cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
-
Contact Email
-
Phone
-
Journal Mail Official
jurnal.al-uqud@unesa.ac.id
Editorial Address
campus Ketintang Surabaya 60231
Location
Kota surabaya,
Jawa timur
INDONESIA
al-Uqud : Journal of Islamic Economics
Published by Universitas Negeri Surabaya
ISSN : 25490850     EISSN : 25483544     DOI : http://dx.doi.org/10.26740/al-uqud
Core Subject : Economy,
Economics, Econometrics & Finance
al-Uqûd : Journal of Islamic Economics published by the Islamic Economic Studies Department of Economics Faculty of Economics, Universitas Negeri Surabaya in cooperation with the Forum of Economic and Business Lecturer Islam (FORDEBI). al-Uqûd published twice a year, in January and July. The journal will focus on providing quality research in the areas of Islamic economics, banking and finance. The goal of the journal is to cover topics that are paramount in modern Islamic economics and finance. The language used in the form of Indonesian and English. Editors invite research lecturers, the reviewer, practitioners, industry, and observers to contribute to this journal.
Arjuna Subject : -
Articles 203 Documents
 17   18   19   20   21 
Utilization of Technology as a Strategic Tool for Developing BPRS in North Sumatra in the Digital Era Tri Auri Yanti; Sugianto; Muhammad Ramadhan; Muhammad Yafiz
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study examines the use of technology as a development strategy for Islamic Rural Banks (BPRS) in North Sumatra in the context of the digital era. Employing a qualitative approach, it explores the adoption of digital tools—including mobile banking, management information systems, and digital payment platforms—by six BPRS operating in the region. The findings reveal that while several BPRS have initiated digital transformation through the implementation of mobile banking applications, digital risk management systems, and integration with Islamic fintech, the extent of adoption varies significantly, largely influenced by each bank’s financial capacity and strategic orientation. Other institutions remain in the early stages of digital development. Despite these initial efforts, major challenges persist, including inadequate technological infrastructure, limited capital, and a shortage of skilled human resources. Furthermore, collaboration with fintech companies and the application of digital marketing strategies remain underutilized. This study underscores the need to strengthen technological infrastructure, enhance capital capacity, and invest in human resource development to improve the competitiveness of BPRS in an increasingly competitive Islamic finance landscape. The findings offer practical insights for BPRS management in formulating technology-driven development strategies and promoting financial literacy within North Sumatra's communities.
Managing customer service through artificial intelligence-driven chatbot systems in Islamic Banking institutions Wahyuni, Eka Sri; Yuningsih, Ayu; Arisandy, Yosy
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p96-104

Abstract

This study examines the implementation of chatbots in Bank Syariah Indonesia (BSI) to enhance customer service in the Islamic banking sector. This study used a literature review in collecting and analyzing the secondary data in the form of papers downloaded from Google Scholar, Scispace, DOAJ, and Scopus websites. There were 26 papers gathered as samples of this study from 2015-2024. The data were analyzed through systematic data reduction, presentation, and conclusion-drawing. The findings show that deploying chatbots can significantly improve service delivery by reducing operational workloads through quick replies to repetitive customer inquiries. Chatbots serve as an innovative solution that handles routine questions swiftly, thereby increasing efficiency and allowing staff to focus on more complex tasks. Their continuous, round-the-clock availability further enhances customer engagement and experience by providing immediate assistance at any time, eliminating extended waiting times for information. Additionally, the chatbot’s ability to interpret customer interactions provides valuable insights into customer behavior and preferences. Such insights enable BSI to better understand about customer needs and identify usage patterns of Sharia-compliant banking products. However, the implementation of chatbots in Islamic banking also requires careful consideration of Islamic ethics. The development of AI must integrate maqasid al-shariah values such as justice, transparency, and data protection to ensure alignment between technological efficiency and Shariah principles.
Psychosocial Strains and Default Behavior in Islamic Fintech: An Urban-Rural GST Perspective Yudha, Ana Toni Roby Candra; Haryono, Slamet; Ardiansyah, Misnen
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July (In press)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study explores the psychosocial drivers of loan default among Millennials and Gen Z users of Islamic fintech microfinance in Indonesia, using General Strain Theory (GST) to compare urban and rural contexts. Data from 307 respondents were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal significant differences: in urban areas, default intention is shaped by social difficulties, inferiority feelings, life dissatisfaction, loneliness, and weakened moral norms, while in rural settings, loneliness is the sole significant factor. Economic pressure was not a dominant predictor, highlighting the greater role of psychosocial strain. These insights suggest that fintech companies should enhance credit risk models by integrating social and psychological indicators. Interventions such as financial literacy, moral education, and community-based support are crucial, especially for rural users facing social isolation. The study contributes a novel integration of GST within the context of Islamic fintech, offering both theoretical depth and practical guidance for inclusive and ethical fintech development.

Page 21 of 21 | Total Record : 203

 17   18   19   20   21 

Filter by Year

2017 2025


Reset
Filter By Issues
All Issue Vol. 9 No. 2 (2025): July (In press) Vol. 9 No. 1 (2025): January Vol. 8 No. 2 (2024): July Vol. 8 No. 1 (2024): January Vol. 7 No. 2 (2023): July Vol. 7 No. 1 (2023): January Vol. 6 No. 2 (2022): July Vol. 6 No. 1 (2022): January Vol 5, No 2 (2021): July Vol. 5 No. 2 (2021): July Vol. 5 No. 1 (2021): January Vol 5, No 1 (2021): January Vol. 4 No. 2 (2020): July Vol 4, No 2 (2020): July Vol 4, No 1 (2020): January Vol. 4 No. 1 (2020): January Vol 3, No 2 (2019): July Vol. 3 No. 2 (2019): July Vol. 3 No. 1 (2019): January Vol 3, No 1 (2019): January Vol. 2 No. 2 (2018): July Vol 2, No 2 (2018): July Vol. 2 No. 1 (2018): January Vol 2, No 1 (2018): January Vol 1, No 2 (2017): July Vol. 1 No. 2 (2017): July Vol. 1 No. 1 (2017): Januari Vol 1, No 1 (2017): Januari More Issue