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Ihtifaz: Journal of Islamic Economics, Finance, and Banking
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
 1 
Search results for , issue "Vol. 4 No. 2 (2021)" : 5 Documents clear
Islamic Financial Literacy and Its Effects on Intention to Use Islamic Bank Sariyatul Ilyana; Fitra Prasapawidya Purna; Dian Friantoro
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 4 No. 2 (2021)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v4i2.2622

Abstract

Introduction: Islamic finance in Indonesia has a rapid development in this millennial era. Islamic bank is starting to become an option. Islamic financial literacy has an important role for peoples, not least by students. Student as young generation will have a long future and must have the ability of financial skills. If someone takes a decision wrongly then it will result in a lack of retirement planning and poor borrowing behavior. Purpose/Objective Study: The aim of this study focuses on measuring the level of Islamic financial literacy, exploring the effects of the hopelessness, religiosity and financial satisfaction on Islamic financial literacy, and determining the effects of Islamic financial literacy on intentions to use Islamic banks among students. Design/Methodology/Approach: The models being used are simple and multiple regression with ordinary least square method. 376 students samples are taken from Islamic universities in Yogyakarta. Findings: The results proved that students have a high Islamic financial literacy, hopelessness has a negative and insignificant effect while religiosity and financial satisfaction have positive and significant effect toward Islamic financial literacy. The whole model has significant effect toward Islamic financial literacy. This study proved that Islamic financial literacy has a positive and significant effect on the intention to use Islamic bank. Article Type : Research Paper
Islamic Insurtech Conceptual Framework: A Proposal Azrul Azlan Iskandar Mirza; Nurul Aini Muhamed; Aimi Fadzirul Kamarubahrin
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 4 No. 2 (2021)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v4i2.2919

Abstract

Introduction: Insurtech refers to the use of technology innovations designed to squeeze cost and maximize efficiency from the current insurance industry model. Insurtech is a combination of the word’s “insurance” and “technology,” inspired by the term fintech i.e. financial technology. Whilst insurance company already move forward, Islamic Insurtech seems not a popular terminology. It may not have unique characteristic from stakeholder’s perspective and therefore it may only be embedded in insurtech definition. Purpose: This paper aims to explore the potential of having Islamic insurtech in the global market and analyze the opportunity to establish a conceptual framework for Islamic Insurtech. Methodology: This study uses qualitative approach based on in-depth analyzing on literature, report and website propose subject of the study. Findings: It is hoped that it will benefit the Islamic insurance or Takaful players to remain relevant in the global market. Paper Type: General Review
How Does Muslim Consumer Interest the Implementation of Islamic Consumption Behaviour during The Covid-19 Pandemic? Asma' Munifatussa'idah; Sulaeman Sulaeman
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 4 No. 2 (2021)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v4i2.2934

Abstract

Introduction: The implementation of the Islamic consumption behaviour is applying consumption actions or behaviors under Islamic principles. The application of Islamic consumption is influenced by the motivation and interest of a person to get satisfaction with goods/services. Purpose: This research paper aims to analyze the influence of Muslim Consumer Interest in halal goods/services on the implementation of Islamic Consumption Behavior. Methodology: The analytical method used quantitative analysis of primary data with non-probability sampling techniques. A total of 110 respondents were surveyed through an online questionnaire on the Muslim consumer in Semarang. The analysis model using a linear regression model. Findings: The results in this study showed the consumption of halal goods/services by Muslim Consumer Interest (CI) has a positive and significant influence toward the implementation of Islamic Consumption Behavior (ICB) in Semarang. The results of this study have implications for the government and regional policymakers, especially in Semarang, as evaluation materials and policies for campaigning the Islamic consumption behavior program. In addition, this study also contribute to the existing literature and add to the study of Islamic consumption theory based on a quantitative analysis approach. Paper Type: Research Article
Identifying the Core Driver for the Islamic Banking Capital Adequacy Regulation Henry Penikas; Valeriya Stefanenko
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 4 No. 2 (2021)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v4i2.4531

Abstract

Introduction: COVID-19 pandemic raised the stability challenges for the modern banking systems. As a remedy, the regulators and investors turned their eyes to the Islamic Banking. Many people view it as a full substitute to the dominant conventional banking establishments. We hypothesized that the benefits of the Islamic Banking can be fully enjoyed if and only if it is accompanied with the robust regulatory framework. Such a framework could offer room for the national discretion to define ‘alpha’ parameter within the capital adequacy ratio. The novelty of our paper is the largest collected to date set of alpha value embedded in the Islamic Banking jurisdictions. Purpose: This research paper aims to able to identify the core driver to locally determine the value of alpha. The credit-to-GDP ratio was shown to be such a driver. We demonstrated that the earlier academic research had offered the Vasicek-based theoretical models for the Islamic Banking that had implied right the opposite values of alpha. Methodology: We have eight independent determinants with presenting the alpha values for 11 countries registered in 2007 and in 2016.Those are the four macroeconomic variables. we have collected the input data for the regression model. Findings: The credit-to-GDP ratio was shown to be such a driver. We demonstrated that the earlier academic research had offered the Vasicek-based theoretical models for the Islamic Banking that had implied right the opposite values of alpha. Thus, the usage of the determinant revealed by us could be of help to the central bankers when shaping the framework for Islamic Banking capital adequacy. Paper Type: Research Article
Bank Customer Loyalty at Post-Implementation of Automatic Exchange of Information (AEOI) in Indonesia Sukirno Sukirno; Nabella Putri Hari Pratiwi; Abolfazl Amanollanejad
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 4 No. 2 (2021)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v4i2.5768

Abstract

Introduction: Many studies have been conducted massively in around the globe, nevertheless still no study conducted on exploring the impact of banking industries’ AEOI adoption on customer loyalty, trust, commitment and satisfaction. Purpose: The purpose of this paper is to investigate the effect of trust, commitment, and satisfaction on customer loyalty and, in turn, the indirect effect of satisfaction on customer loyalty at post-implementation of the Automatic Exchange of Information (AEOI). Methodology: A model is advanced and tested using partial least squares path modeling (PLS-SEM) and data were collected from a sample of 200 banking industry customers in Indonesia. Findings: The results indicate significant and positive relationships among trust, commitment, satisfaction, and customer loyalty. Moreover, it is found that satisfaction has an indirect effect in relation to trust, commitment, and customer loyalty. The findings and limitations are discussed and recommendations for the policy makers and researchers are also provided. Paper Type: Research Article

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