cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
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
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.
Arjuna Subject : -
Articles 5 Documents
 1 
Search results for , issue "Vol. 6 No. 2 (2023)" : 5 Documents clear
Determinants of Participation in The Utilization of Islamic Microfinance Products: Empirical Studies Using the Theory of Planned Behavior (TPB) Approach in Indonesia Iqbal ‘Imari; Hartomi Maulana; Mohd. Zaidi Bin Md Zabri; Ahmad Suminto
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v6i2.9129

Abstract

Introduction: It is hoped that the presence of Islamic microfinance in Muslim countries will not only pursue each other and increase productivity to increase their assets. However, Islamic microfinance is hoped to be able to provide benefits to the whole community, especially in eradicating poverty. The phenomenon, it becomes the basis for research to measure the determinants of participation in the utilization of Islamic microfinance products using the TPB approach in Indonesia Islamic microfinance. Purpose: This research has a purpose to measure the determinants of participation in the utilization of Islamic microfinance products. The model hypothesized that three factors, attitude, subjective norms and Perceived Behavior Control influence customers participation in the utilization of Islamic microfinance products. Methodology: This research uses a descriptive-quantitative-analytic method or approach with several stages, namely testing hypotheses, measuring data, interpretation and description of results and making conclusions. This research using primary data by questionnaires distributed to customers of Islamic financing products in Islamic microfinance. Data collection method using simple random sampling and the data analysis technique uses Structural Equation Modeling (SEM) with the Smart PLS-3 application. Findings: The research results show that attitude directly has a significant positive effect on intentions in participation behavior in utilizing Islamic microfinance products at Islamic microfinance institutions. Meanwhile, indirectly attitudes are formed and influenced by awareness, compability, complexity and relative advantadge variables. This finding also confirms that subjective norms originating from a person's group and the perceived pressure from a person's reference to carry out targeted behavior can influence the intentions in participation behavior in utilizing Islamic microfinance products at Islamic microfinance institutions. Other findings that perceived behavioral control results is increased, when individuals feel they have more resources and confidence to perform. Perceived behavior control as measured by individual perceptions about the extent to which behavior performance is easy or difficult and considers facilitators and barriers to doing so has a significant effect on the intention to utilizing Islamic microfinance products.
A Review of Customer Benefits and Satisfaction with Amanah Products: Evidance Pegadaian Syariah Sitti Walida Mustamin; Jasri; Widya Nur Indahsari
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v6i2.9159

Abstract

Introduction: Mu'amalah is the activity of interaction between individuals and their surrounding environment. In Islam, this teaching promotes cooperation in everyday life. In the era of globalization, Islamic financial institutions such as Pegadaian Syariah are becoming increasingly vital, offering trust products with strict adherence to Sharia principles. This evaluation becomes a crucial key to measuring product performance and customer satisfaction, supporting the sustainable growth of Islamic financial institutions. Purpose: This research aims to evaluate the benefits provided by Amanah Products at Pegadaian Syariah Central Makassar Branch and measure the level of customer satisfaction with the product. Methodology: The research method used in this study is qualitative descriptive with data analysis techniques including data reduction, data presentation, and drawing conclusions. Findings: The findings of this research reveal that Amanah Products at Pegadaian Syariah offer easy, structured, and inclusive requirements and procedures, facilitating various groups of individuals such as civil servants, employees, and micro-entrepreneurs to obtain vehicle financing without difficulties. The transparent application process also assists customers in meeting their vehicle needs. Customer satisfaction is very high due to the friendly, professional quality of service and structured procedures meeting customer expectations. Customer loyalty is reflected in their intention to continue using Amanah Products. Pegadaian Syariah Central Makassar Branch demonstrates a high level of professionalism, providing equal treatment to all customers, creating an inclusive atmosphere, and facilitating understanding of structured work processes. The quality of service and professionalism build a strong relationship between Pegadaian Syariah and its customers, enhancing long-term trust and loyalty.
Optimizing Productif Waqf towards Prosperity: Evidence from PWM DIY Jaya Putra, Budi; Firmansyah, Rizki
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v6i2.9465

Abstract

Introduction: Indonesia is a country with a population of 273 million people, but this large population does not guarantee that the level of prosperity is high. The economic challenge facing the country, especially after Covid-19, is economic recovery in social aspects such as poverty and inequality. Yogyakarta Special Region Province contributes to quite high levels of poverty and inequality in Indonesia. Apart from the fiscal policy used by the government, there are aspects that can reduce poverty rates or reduce disparities through community movements by maximizing waqf into productive waqf. Purpose: This research analyzes the main components and multiplier effect of productive waqf managed by PWM DIY. Methodology: The research combines quantitative data and qualitative data. Quantitative data to provide a descriptive description of waqf management and qualitative data were taken using a sample method consisting of 32 of which there were 28 direct and indirect waqf managers and 4 representatives of DIY PWM. Findings: PWM DIY manages 28,552 M2 waqf land where 2,560 AD2 has been established for 20 percent of educational activities from Nursery school - high school, 20 percent for social and religious activities such as mosques and business charities and 60 percent for office or association activities. Based on the AHP method, it shows that productive waqf activities managed by PWM DIY have increased two priorities, namely increased employment opportunities and increasing access to education services. Apart from that, the benefit ratio (RI) value is 1.14 and the Consistency Ratio (CR) is 0.97, which means that DIY PWM activities in managing waqf into productive waqf are consistent and have a positive impact on the beneficiaries both directly and indirectly on the community.
Analysis of Murabahah Financing Marketing Strategy for Gold Installment Products to Increase the Number of Customers at BSI KCP Cemara Asri Ritonga, Meilinda
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v6i2.9748

Abstract

Introduction: The problem found in this study is that there are still many Indonesians who do not know that they can make gold installments at Islamic banks. people still buy gold through gold shops compared to buying Islamic bank products. it is hoped that this research can help the bank sell its products and help the public to buy gold more easily through Indonesian Islamic banks, especially BSI KCP Cemara Asri. Purpose: The purpose of this study is to find out what strategies are carried out by Bank Syariah Indonesia KCP Cemara Asri in attracting customers to buy their gold installment products. Methodology: The research method used in this study is a descriptive qualitative method using field research methods, which is research using descriptive qualitative methods to explore knowledge about a phenomenon in a certain academic context, with fieldwork carried out at Bank Syariah Indonesia KCP Cemara Asri. Findings: The results obtained from this study are the marketing strategy of gold installment products applied at Bank Syariah Indonesia KCP Cemara Asri using a marketing mix consisting of 7Ps (product, price, place, promotion, people, physical evidence, process).
Resolving Non-Performing Financing in MSMEs by Islamic Banking: Study from PT. Bank Syariah Indonesia Tbk Manggala Putri, Syah Amelia; Eka Jati Rahayu Firmansyah; Tria Isti Wulandari
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v6i2.10533

Abstract

Abstract Introduction to The Problem: MSMEs have proven resilient to various crises and significantly contribute to the national economy. The primary support is financing for both investment and working capital. However, MSME financing is seen as having a high risk by banks, which is feared will result in losses. Islamic banks must have an exit strategy in dealing with NPF so that the distribution of MSME financing can grow healthily and sustainably. Purpose/Objective Study: The paper aims to analyze how Islamic banks resolve non-performing financing disbursed to MSMEs. Design/Methodology/Approach: We used a qualitative method with a field research approach. The research was a case study examining primary data collected through observation, interviews, and documentation. The validation test used a triangulation method by comparing the interview results and the research subjects. Findings: Islamic banks resolved non-performing financing in MSMEs through non-performing financing warning, rescuing, and resolving. They conferred warnings by billing to collect customers’’ funds serving as payment for overdue liabilities. As regards rescuing non-performing financing, rescheduling, reconditioning, and restructuring were conducted. Finally, they resolved non-performing financing through novation, compensation, collateral liquidation, and court settlement Paper Type: Research Article

Page 1 of 1 | Total Record : 5

 1 

Filter by Year

2023 2023


Reset
Filter By Issues
All Issue Vol. 8 No. 1 (2025) Vol. 7 No. 2 (2024) Vol. 7 No. 1 (2024) Vol. 6 No. 2 (2023) Vol. 6 No. 1 (2023) Vol. 5 No. 2 (2022) Vol. 5 No. 1 (2022) Vol. 4 No. 2 (2021) Vol 4, No 1 (2021) Vol. 4 No. 1 (2021) Vol. 3 No. 2 (2020) Vol 3, No 2 (2020) Vol. 3 No. 1 (2020) Vol 3, No 1 (2020) Vol 2, No 2 (2019) Vol. 2 No. 2 (2019) Vol. 2 No. 1 (2019) Vol 2, No 1 (2019) Vol 2, No 1 (2019) Vol. 1 No. 2 (2018) Vol 1, No 2 (2018) Vol 1, No 1 (2018) Vol. 1 No. 1 (2018) More Issue