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MALIA
Published by Universitas Yudharta Pasuruan
ISSN : 20879636     EISSN : 25492578     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Malia terbit sejak 2011, setiap enam bulan sekali bulan Maret dan Agustus, merupakan jurnal ekonomi dan perbankan syariah yang menyajikan artikel hasil penelitian (empiris) serta isu-isu yang mencakup ekonomi syariah, keuangan syariah dan perbankan syariah.
Arjuna Subject : -
Articles 125 Documents
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The Impact of Capital, Land Area, and Labor on Shrimp Pond Income: An Islamic Economic Perspective Putri, Kristina; Mu`awwanah
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v17i2.6209

Abstract

Introduction: Shrimp farming is a significant economic sector in increasing income and driving regional economic growth. This study aims to analyze the effect of capital, land area, and labor on shrimp pond business income, and to identify factors that influence the development of shrimp pond businesses optimally. Methods: This study uses a quantitative method approach by applying multiple linear regression analysis and census methods to obtain a sample of 26 shrimp farming businesses. Data collection techniques through distributing questionnaires to shrimp farming entrepreneurs, data analysis is carried out with the support of statistical analysis software programs (SPSS25) to interpret the results and answer research questions. Results: From the results of this study, it was found that capital and land area significantly affect the income of shrimp farming businesses, while labor had a significant negative effect. These results highlight the role of capital, land area and labor in increasing business income. Conclusion and suggestion: By considering the findings of this study, shrimp farmers can take strategic steps to increase their business income, namely by optimizing conservation capital, land area utilization, and developing workforce skills. This study is expected to provide useful insights for the development of sustainable shrimp farming businesses.
Does Sharia Investment Knowledge and Investment Experience on Choosing Sharia Mutual Fund Investment Through the Investor Lifestyle Santi Arafah; Yunanda Eka Putra; Iskandar Muda; Andri Soemitra; Yusrizal
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6243

Abstract

Introduction: This research aims to determine the effect of Sharia investment knowledge and investment experience in choosing Sharia mutual fund investment. Sharia investment has an important role in economic development, in the form of job creation, increasing income and purchasing power, equitable economic circulation and increasing gross domestic product (GDP). Methods: The sample in this research were 100 investors registered with the Indonesia Stock Exchange. The data analysis technique used in this research uses SEM-PLS analysis techniques. Results: The results of the research conducted with a confidence level of 95% based on sig. 5%, stating that sharia investment knowledge, investment experience and lifestyle effect decision making in choosing Sharia mutual fund investment. Conclusion and suggestion: investors must have a good understanding of sharia investment knowledge and investment experience that is harmonized with the lifestyle of investors in investing in Sharia mutual funds in order to avoid future losses and in order to provide good benefits in the present and future
The Marginalized Maqasid al-Shariah Problems of Profit Orientation in Indonesia's Islamic Financial System Arum, Hafidza Sanshia; Andrini, Rozi
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6244

Abstract

Introduction: This study addresses the growing concern over the marginalization of maqasid al-shariah the ethical and social objectives of Islamic law in Indonesia’s Islamic financial institutions (IFIs). Despite notable growth in assets and institutional presence, many IFIs remain fixated on profit-maximization, often replicating conventional banking models and neglecting the core values of Islamic economics such as justice, welfare, and human dignity. Methods: This research employs a qualitative-descriptive approach using a normative-philosophical method. Data were collected through document and content analysis of Islamic financial regulations, fatwas, academic publications, and policy papers. The study also applies triangulation to enhance data validity and reliability.. Results: Findings indicate that profit orientation dominates Islamic banking operations in Indonesia, with little institutional incentive to implement maqasid-aligned policies. Regulatory indicators such as ROA and CAR fail to reflect social objectives, and maqasid literacy among practitioners remains low. These gaps have contributed to reduced social impact, especially among lower-income groups who are central to maqasid values. Conclusion and suggestion: The study recommends the integration of a Maqasid Shariah Index (MSI) into regulatory evaluation tools, development of socially-oriented products such as qard hasan and productive waqf, and mandatory maqasid education for IFI leadership. These steps aim to create a more balanced, ethical, and socially inclusive Islamic financial ecosystem in Indonesia.
The Role of Attitude in Mediating Gen Z’s Intention in Use of Digital Sharia Banking Wartoyo, Wartoyo; Sudrajat, Anton; Wiyani, Silva; Subagiyo, Rokhmat; Haqqiquddin Rokhmatulloh, Muhammad Raisa; Fauzan
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6249

Abstract

Introduction: Dynamic technological developments make a significant contribution to human life. In the banking world, one of the technological developments that has changed the way of transactions is the emergence of payment instruments known as digital banking. Therefore, this research aims to determine the effect of convenience and usefulness on interest in using digital banking with attitude as an intervention variable for Gen Z in Cirebon Regency. Method: The research uses a quantitative approach with the type of non-parametric data. The sampling technique used random sampling with a number of samples are 100 respondents. The data analysis technique uses Structural Equation Modeling (SEM) with the tool is SEM-PLS. Result: The results of the first test show that the Convenience and Usefulness has a significant effect on attitudes to use digital banking. Likewise in the second test show the Convenience, Benefit and Attitude has a significant effect on interest in using digital banking. Whereas the result of mediating test show that the Attitudes have a significant influence as an intervening variable between ease and interest in using digital banking, also has a significant effect as an intervening variable between ease and interest in using digital banking. Conclusion & Suggestion: The findings of this study show that the main factor that attracts Gen Z in using Digital Banking is the ease of use factor, therefore banks must always pay attention to the user interface (UI) and user experience (UX) of their applications. The intuitive design and easy transaction process will be very attractive to Gen Z. In addition to convenience, the benefits offered also need to be more concrete and relevant to the needs of Gen Z. Knowing that attitudes have a very important role in influencing interest, digital banks can build campaigns that focus not only on features and benefits, but also on forming a positive perception of digital banking.
Does The Covid-19 Pandemic Affect Financing of Islamic Banks in Indonesia? Achsani, Muhammad Nur Faaiz F; Kassim, Salina; Haron, Razali
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6252

Abstract

Introduction: This study investigates the influence of macroeconomic and bank-specific variables on financing activities in Indonesian Islamic banks, particularly during the COVID-19 pandemic, to assess the sector's financial resilience and alignment with sustainable finance principles. Methods: This research employs a quantitative approach using dynamic panel data analysis covering the period from 2011 to 2023, with variables including Gross Domestic Product, inflation, interest rates, non-performing financing, bank size, profitability, and a pandemic indicator. Results: The findings reveal that while the COVID-19 pandemic did not significantly affect financing, interest rates and bank size had a significant positive impact. Other variables such as GDP, inflation, non-performing financing, and profitability did not exhibit statistically significant effects. The resilience observed in Islamic banks is attributed to their reliance on ethical principles, risk-sharing mechanisms, and asset-backed financing structures. Conclusion and suggestion: The study concludes that Indonesian Islamic banks-maintained stability during the pandemic, reinforcing their role in promoting long-term financial sustainability and economic resilience. Policymakers and regulators are encouraged to support the Islamic banking sector as a key component of sustainable finance frameworks, leveraging its unique characteristics to contribute to broader development goals.
The Mediating Role of Circle of Friends and Flexing on FOMO and Israf in Gen Z’s Imitation Fashion Purchase Decisions Ayu Ariska; Ida Farida; Hukmiah Husain
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6282

Abstract

Introduction: This study aims to analyze the mediating role of Circle of Friends and Flexing on the influence of Fear of Missing Out (FOMO) and Israf (excessive consumption) on purchasing decisions of imitation fashion products among Generation Z in Bone Regency. These social and psychological factors are known to be the main drivers of increased consumption of counterfeit goods. Methods: This research uses a quantitative approach with associative methods and Structural Equation Modeling-Partial Least Square (SEM-PLS) analysis techniques. Primary data were obtained through the distribution of online questionnaires to 230 respondents using a purposive sampling technique. The measurement instrument used a Likert scale of 1 to 5 and was tested for validity and reliability. Results: The t-value for the Circle of Friends variable on Purchase Decisions was 7.333 with a significance level of 0.000, and Flexing had a t-value of 3.235 with a significance of 0.001. Both were statistically significant. FOMO had a significant effect on Circle of Friends (t = 2.575; p = 0.010) and Flexing (t = 3.162; p = 0.002), but it did not directly affect Purchase Decisions. Meanwhile, Israf had a significant effect on Circle of Friends (t = 5.354; p = 0.000), Flexing (t = 4.914; p = 0.000), and Purchase Decisions (t = 2.606; p = 0.010). The indirect influence through both mediators was also proven significant. Conclusion and suggestion: The results of the study conclude that Circle of Friends and Flexing significantly mediate the influence of FOMO and Israf on purchasing decisions of imitation fashion products. These findings confirm the importance of social influence and self-imaging motivation in Generation Z's consumption behavior. It is recommended that education about authentic consumption and strengthening regulations against counterfeit goods be improved.
The Influence of Digital Resilience and Service Quality on Switching Intention of Bank Syariah Indonesia (BSI) Customers in Aceh with Subjective Norm as a Mediating Variable Nadia, Nadia; Susanty, Widya; Muda, Iskandar; Soemitra, Andri; Yusrizal, Yusrizal
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6284

Abstract

Introduction: This study examines the influence of digital resilience and service quality on the switching intention of customers at Bank Syariah Indonesia (BSI) in Aceh, with subjective norm as a mediating variable. The purpose is to understand both the direct and indirect effects of these variables in shaping customer loyalty within the context of Islamic banking. Methods: This quantitative research employs Structural Equation Modeling (SEM) using SmartPLS 4.0 to analyze data collected from 100 respondents. Results: Based on the hypothesis test results obtained through the bootstrapping procedure, all paths between constructs in this research model show statistical significance at the 5% significance level. This is indicated by T-statistic values ≥ 1.65 and p-values ≤ 0.05. Conclusion and suggestion: These findings suggest that technological performance and service delivery alone are not sufficient; social perceptions and community norms also play a vital role in customer retention. Therefore, to reduce the intention for switching, BSI must integrate digital excellence with strategies that build and sustain positive public perception and social support. This study emphasizes the need for a balanced approach between technical capability and socio-cultural engagement in Islamic banking services.
Strategic Utilization of Muhammadiyah’s Waqf Land Assets To Support Green Economy Setiyowati, Arin; Salsabilla, Salma Nadia; Berkah, Dian; Nadid, Erdin
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6291

Abstract

Introduction: The utilization of waqf land assets, especially in the Muhammadiyah Organization, has not been optimal in supporting sustainable development and a green economy. A strategy for utilizing waqf land assets in the Muhammadiyah Organization to support a green economy is pivotal. Methods: This study used a qualitative method with a case study approach. The sources used in this study are primary and secondary data. The data analysis technique used in this study was simplifying raw data from interviews or data reduction. Results: Data collection used in-depth interviews with Nadzir administrators. Based on the interviews, four main detailed themes emerged: management of waqf land assets, utilization of waqf land for a green economy, collaboration and partnership, and challenges and optimization strategies. These four themes provide a complete picture of how the waqf land management process works in the field practice. Conclusion and suggestion: Optimizing the use of waqf land assets by Muhammadiyah, especially in Bojonegoro and Lamongan, has shown a paradigm shift from traditional waqf management to productive waqf oriented towards sustainability through integration with the concept of green economy.
Intention to Invest in Islamic Capital Market Among Youth: The Influence of Sharia Financial Literacy and Religiosity Ja'far, Achmad Mu'afi; Julaihah, Umi; Adenina Zidni Maulida, Nabila
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6296

Abstract

Introduction: According to the National Survey of Financial Literacy and Inclusion conducted in 2019, the number of Islamic stocks and Islamic capital market assets has increased in Indonesia, but the level of Islamic financial literacy and Islamic capital markets of the Indonesian population is still very low compared to conventional ones. This study aims to determine the effect of Islamic financial literacy and religiosity on investment interest in the Islamic capital market. Methods: This research employed quantitative methods with regression analysis. Data were collected using a questionnaire through Google Forms, resulting in a sample of 203 students in Malang, Indonesia. Results: The results showed that, either partially or simultaneously, Sharia financial literacy and religiosity variables had a significant positive effect on investment intention in the Islamic capital market. Moreover, it had a high coefficient determination of about 0.752, indicating that the financial literacy and religiosity variables can influence the investment intention variable by 75.2%. Conclusion and suggestion: Based on the findings, it was demonstrated that religiosity had a greater impact on the intention to invest in the Islamic capital market compared to Sharia financial literacy. This could be due to the fact that the level of Sharia financial literacy among respondents remains low. Thus, to boost young participation in the Islamic capital market, it is recommended that academic institutions educate young people about Sharia financial literacy through formal education. Also, the businesses could provide informal information about investing in the Islamic capital market.
Exploring Halal Tourism as Indonesia’s Super-Priority Destination: Muslim Travelers’ Needs in Labuan Bajo Nurkarim, Muhammad Azmi; Nursyabani, Cahyania; Fatwa, Nur; Rini, Nova; Ramy Azhar, Muhammad
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6325

Abstract

Introduction: This research aims to explore the needs of Muslim travelers who visit the Super-Priority Destination of Labuan Bajo. Labuan Bajo is considered one of the potential destinations for developing halal tourism in Indonesia. However, the predominance of a non-Muslim population in the region presents a distinctive challenge in the implementation and promotion of halal tourism practices. Methods: The approach used is qualitative, with data collected through in-depth interviews with Muslim Traveler informants who had visited Labuan Bajo. The in-depth interview questions are based on the extension of the theory of travel. Results: The research results show that the main motivations for Muslim travelers visiting this place are recreation and work, where natural beauty and ease of access are the main factors attracting Muslim tourists to visit this place. However, there are still many challenges that need to be addressed, such as the limited availability of prayer facilities in some island destinations, the lack of halal-certified food options, and the insufficient communication between tour providers and tourists. Conclusion and suggestion: This study concludes that Labuan Bajo is a Muslim-friendly destination, but the improvement of worship facilities and halal food must be optimized. This research is expected to serve as a foundation for the development of halal tourism in predominantly non-Muslim destinations that are inclusive and sustainable.

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