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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 205 Documents
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Utilization of technology as a strategic tool for developing BPRS in North Sumatra in the digital era Yanti, Tri Auri; Sugianto, Sugianto; Ramadhan, Muhammad; Yafiz, Muhammad
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.p110-127

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. 2 (2025): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n2.p143-151

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 strain and default behavior in Islamic fintech: An urban–rural analysis using general strain theory Yudha, Ana Toni Roby Candra; Haryono, Slamet; Ardiansyah, Misnen
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n2.p162-180

Abstract

This study examines the psychosocial determinants of loan default among Millennial and Gen Z users of Islamic fintech microfinance in Indonesia, applying General Strain Theory (GST) to compare behavioral dynamics across urban and rural contexts. Data were collected from 307 respondents and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results reveal notable contextual differences: in urban settings, default intention is significantly influenced by social difficulties, feelings of inferiority, life dissatisfaction, loneliness, and weakened moral norms. In contrast, loneliness emerges as the only significant predictor in rural areas. Economic pressure did not serve as a major driver, emphasizing the greater influence of psychosocial strain over financial factors. These findings suggest that fintech providers should refine credit risk assessments by incorporating psychological and social indicators. Interventions such as financial literacy programs, moral reinforcement, and community-based support systems may be particularly effective, especially in rural areas where social isolation is prevalent. This study offers a novel application of GST in the Islamic fintech domain, providing theoretical advancement and practical implications for more ethical and socially inclusive fintech development.
Strategy for increasing the market share of Islamic Banks in Indonesia through Third-party fundraising and financing Rahima Kumala; Nurhayati Nurhayati; Muhammad Yafiz
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n2.p181-199

Abstract

This research aims to formulate strategies to increase the market share of Islamic banks in Indonesia through the optimization of Third Party Funds (DPK) and financing, which are the main internal factors supporting the growth of Islamic banking. Based on the background, the low market share of Islamic banks is caused by several main issues, such as limited technology, low product innovation, lack of Islamic financial literacy, and suboptimal data protection. This research uses the Analytic Network Process (ANP) method, which involves expert respondents from regulators, academics, practitioners, and the community. Data collection was conducted through in-depth interviews, questionnaires, and analysis using Super Decision software. The research results indicate that priority solutions to increase market share include technological updates, enhanced literacy through education and collaboration between institutions, as well as synergy among stakeholders. The main strategies proposed include strengthening synergy and collaboration, enhancing technological innovation, and expanding sharia financial literacy. This research makes a significant contribution in identifying problems, solutions, and relevant strategies to support the development of Islamic banking in Indonesia. The results are expected to serve as a reference for regulators, Islamic banking, academics, and the community in promoting the sustainable growth of the Islamic finance industry.
The role of augmented reality in halal beauty shopping experience Mardhiyah, Dien; Futuwwah, Ali Imaduddin; Susilowati, Fitriah Dwi; Osman, Syuhaily; Gozali, Nidia Artanti; Putri, Nadia Ramadhani Nugroho
al-Uqud : Journal of Islamic Economics Vol. 9 No. 2 (2025): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n2.p143-161

Abstract

Augmented Reality (AR) is rapidly evolving and being integrated into various business sectors, including the halal cosmetics industry. Additionally, AR helps prevent contamination from non-halal ingredients and reduces the spread of diseases associated with shared testers. Despite these advantages, consumer adoption of AR in online cosmetic selection remains low. Many shoppers still cannot use AR, despite its vividness, interactivity, and customizable features, which can significantly enhance product exploration and foster a positive perception of the technology. This study investigates the key factors influencing consumers' intentions to use AR when purchasing halal cosmetics, employing the SOR theory as a framework. Through a quantitative approach and SEM-PLS analysis, the findings reveal that AR attributes play a crucial role in creating a more immersive and compelling halal shopping experience. These insights offer valuable guidance for businesses seeking to develop AR-driven marketing strategies—an approach that remains underutilized in the halal cosmetics industry. By leveraging AR technology, companies can bridge the gap between online and offline shopping, enhance consumer confidence, and drive greater engagement in the halal beauty market.

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