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Ihtifaz: Journal of Islamic Economics, Finance, and Banking

ijiefb
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Published by Universitas Ahmad Dahlan

ISSN : 26224755 EISSN : 26225798 DOI : 10.12928

Core Subject : Economy, Social,

Economics, Econometrics & Finance Social Sciences

The Ihtifaz, Journal of Islamic Economics, Finance, and Banking published by Department of Islamic Banking, Ahmad Dahlan University, is a peer-reviewed open access international journal published twice in a year (June and December). The Ihtifaz aims to provide an international forum for researchers and professionals to share their ideas on all topics related to Islamic Economics, Finance, and Banking. It publishes its issues in an online (e-ISSN 2622-5798) and a printed (p-ISSN 2622-4755) version.

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Articles 5 Documents

Search results for , issue "Vol 2, No 1 (2019)" : 5 Documents clear

Sistem Integrasi Proteksi & Manajemen Resiko Platform Fintech peer to peer (P2P) Lending dan Payment Gateway untuk Meningkatkan Akslerasi Pertumbuhan UMKM 3.0 Manan, Yulianti
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 1 (2019)
Publisher : Universitas Ahmad Dahlan

The MSMEs (Micro, Small and Medium Enterprises) mentioned by the government as the backbone of the Indonesian economy are also still many that have not been touched by financial services or are unbankable. Currently in line with the development of information technology in financial services, the Fintech P2P lending ecosystem and payment gateways are growing rapidly and become one of the cash less payment options, an alternative option for new types of financing due to multi-advantages; fast, collateral-free and technology-based process which is a culture of supporting MSME generation to 3.0. The Fintech P2P Lending and Payment gateway business that is oriented towards IT Base financial reporting still requires a risk management and governance system to reduce and minimize the risk of fraud, bankruptcy, default and other risks. The purpose of this research is to analyze and study innovative solutions to the Fintech business model platform related to protection system management by establishing a central and strategic role between the regulator and Fintech providers. This research uses descriptive research design by using GAP Analysis to research and develop and collaborate on innovation, especially in Fintech business operating systems.

The Role of Islamic Microfinance For Poverty Alleviation in Bandung, Indonesia Febianto, Irawan; Johari, Fuadah Binti; @Zulkefli, Zurina Binti Kefeli
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 1 (2019)
Publisher : Universitas Ahmad Dahlan

The emergence of Islamic micro financial institution becomes the alternative solution for the micro-entrepreneurs who need working capital assistance. However, the impact of Islamic microfinance institution in reducing poverty level is somewhat still debatable. In Indonesia, Islamic microfinance established through the presence of Baitul Mal wa Tamwil (BMT), the most popular type of Islamic microfinance institutions. BMT providing financing for the micro-entrepreneurs, as their potential clients, that operates their activities mostly at the traditional markets. The purpose of this study is to measure the impact of BMT for poverty alleviation in Bandung as the capital city of West Java as the biggest population province in Indonesia, not only based on material level but also on spiritual level. This study is looking at income variables of micro-entrepreneur’s household, as well as the spiritual level indicator of micro-entrepreneur before and after they received financing from BMT. The primary data obtained through in-depth questionnaires in Bandung, Indonesia.

Redefining Consumer Utility in the Perspective of Islamic Economics Framework Muttaqin, Zein; Pusparini, Martini Dwi
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 1 (2019)
Publisher : Universitas Ahmad Dahlan

An interest of individual preferences which can be represented in numerical ways known as the utility. While others stated it as a matter of subjective feeling that being felt in order to pursue and to maximize the certain level of satisfaction and personal well-being. According to neoclassical theory, this happened due to the contraction consumer preferences between things/products/services that available in the market. Furthermore, the ultimate ends that have been proposed are that the industry/market is spiritually neutral. On the other hand, some of Muslim scholars argue that spiritual or religious values are what defines an individual as a human, while all conducted of consumption is abide by ethics and religious values, which will not forsake others for personal gains. The integration of religious aspect in pursuing of maximization of utility is known as maslahah (i.e. well-being). A further discussion that arises is in Islamic economics framework, does individual orients solely to maximize their utility, even in the sense of maslahah is considered. Neoclassical claims that to interpret the utility, there are two headings is considered, they are prediction approach and prescription approach. The debate on neoclassical and Islamic economics perspectives might contradict one to another, but none of it is at absolute truth, the theory itself is still developing due to different assumptions and circumstances that present at that time. Furthermore, the revisiting theory of maqasidh al-sharia (i.e. the objective of Islamic Laws) also provides a different point of view regarding the debatable utility between neoclassical and Islamic economics. In pursuance of better understanding of utility, this article aims to redefine the consumer utility in Islamic economics framework. It can be concluded that the definition of utility under Islamic perspective as the act to seek self-actualization of benefit which collide to the benefit of others in pursuing of enhancement of dual dimensions objectives of present and hereafter. A strong point that being found that in order to maximize the utility/maslahah must consider the possibility of misleading the genuine motive of utility, which is not adjusting it under social pressures. The misleading act of such is categorized as the act of falsification of preferences.

Kebijakan Spin-off dan Efisiensi Perbankan Syariah di Indonesia Pambuko, Zulfikar Bagus
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 1 (2019)
Publisher : Universitas Ahmad Dahlan

The study aims to analyse the spin-off policies’ impact on the Islamic banks’ efficiency in Indonesia. The study was conducted on five spin-off Islamic banks and efficiency were measured by the BOPO ratio. The research variables used were dummy spin-off, ROA, FDR, and economic growth. Data analysis used panel data regression on annual data from 2008 to 2018. The results suggest that, first, the implementation of spin-off policy significantly increased the operational efficiency of Islamic banking. Second, ROA also has a negative effect on efficiency. Third, FDR and economic growth have no significant effect on the Islamic banks’ efficiency in Indonesia.

Pengaruh Attitude, Sertifikasi Halal, Promosi dan Brand terhadap Purchase Intention di Restoran Bersertifikasi Halal Legowati, Diah Ayu; Ul Albab, Farah Nisa
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 1 (2019)
Publisher : Universitas Ahmad Dahlan

Research related to the purchase intention of halal products has been the concern of many researchers in recent years. This study aimed to determine the relationships between attitude, halal certification, promotion, and brand related to the intention of purchasing at the halal-certified restaurant. The data were collected through a self-administered questionnaire survey consisting of 132 consumers. We found that the attitude, halal certification, and brand were significantly influential towards the purchase intention at the halal-certified restaurant, whereas a promotion was not significantly influential

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Rofiul Wahyudi

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Contact Name
Rofiul Wahyudi

Contact Email
ihtifaz@uad.ac.id

Phone
-

Journal Mail Official
ihtifaz@uad.ac.id

Editorial Address
-

Location
Kota yogyakarta,

Daerah istimewa yogyakarta

INDONESIA