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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.
Arjuna Subject : -
Articles 105 Documents
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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).
Assessing and Pricing Islamic Sukuk: An Overview Muhammad Saeed Iqbal; Sofi Mohd Fikri
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 7 No. 1 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v7i1.10376

Abstract

Introduction to The Problem: The Islamic Sukuk conforms to Shariah guidelines. As a result, Islamic Sukuk are appealing pricing vehicles for Islamic financial institutions, Shariah-governed reserves, and Takaful Islamic insurance companies which are prohibited from investing in conventional insurance policies which provide interest or riba. Purpose/Objective Study: a growing number of Muslims with substantial net worth believe that their real estate should be in accordance with Shariah. This paper describes and explains the tools used for evaluating and assessing Islamic Sukuks. Design/Methodology/Approach: Islamic Sukuks are a type of financial instrument that follows Islamic laws, such as prohibitions against interest and gambling. These instruments are used to determine the value of real estate to ensure they meet certain Shariah requirements. The tools used for evaluating and assessing Islamic Sukuks include Islamic law, financial analysis, and real estate valuation. Findings: In the Islamic Sukuk study, an outstanding finding was the recognition of the significance of Islamic Sukuk estimation and assessment. It is expected that this study will help fill a gap in existing guidelines for Islamic Sukuk literature. Additionally, both professionals and academics will benefit from this study. The findings could provide some ideas regarding the implementation of the strategy (Shariah boards, CEOs of Islamic financial institutions). Paper Type: Research Article Keywords: Islamic Sukuk; Shariah; Assessing; Pricing; KIBOR.
A Co-Citation and Co-Word Analysis of Islamic Accounting and Accounting Research Priyono, Priyono Puji Prasetyo; Khusnul Hidayah; Wahyudi, Rina Tushofiah; Wahyudi, Andika Prasetia; Wahyudi, Vrisas Meri Setiawan; Wahyudi, Dimas Arya Pramono
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 7 No. 1 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v7i1.10391

Abstract

Introduction: The study of conventional accounting has been a cornerstone in both academic research and practical business applications for many years. It provides a comprehensive framework for financial reporting, decision-making, and regulatory compliance, which is universally recognized and applied across various industries globally. This widespread adoption is attributed to its well-established principles, which have been refined and tested over time, making it a reliable foundation for managing financial affairs. Purpose: This article aims to provide the intellectual structure and evolution of Islamic Accounting and Accounting Research themes. Methodology: The authors utilized co-citation and co-word analysis to select 413 Islamic Accounting and Accounting from the Scopus database. The timeframe of the research encompasses articles published from 2010 through January 2024. Findings: The research findings can be concluded, firstly, countries that have a great interest in Islamic Accounting and Accounting include Malaysia, Indonesia, and the United Kingdom. New themes for future research directions by means of co-citation and joint word analysis are suggested. Prospects in Islamic accounting and accounting include 'technology and automation', 'big data', and 'regulatory reform', and 'nuclear fuel accounting'.
Religiosity as Considered in Green Purchase Intention among Muslim Consumer Al Hadi, M Qoshid; Budi, Iman Setya; Erziaty, Rozzana
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 7 No. 1 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v7i1.10460

Abstract

Introduction to The Problem: In recent years, Indonesia has shown strengthening figures in world sharia economic and financial reports. This encourages studies on Muslim consumer behavior more to sustainable. This article provides an overview of research on the behavior of Muslim consumers who are committed to environmental issues and have awareness of religion. Previous research has focused primarily on green consumer behavior, and reported mixed findings, depending on the knowledge background. Purpose/Objective Study: As an extension of previous research, this study will reveal the role of religiosity to impact green commitment (GC) and their purchasing intention. Design/Methodology/Approach: A total of 296 respondents' data was collected based on purposive sampling and analyzed through structural equation modeling (SEM) with SmartPLS version 3. Findings: The results show that religiosity influences GC and green purchase intention (GPI) as well as the role of GC to mediates the relationship between religiosity and GPI. Future research requires deeper investigation regarding the number and distribution of samples so that it can help better generalize the findings. Paper Type: Research Article Keywords: Religiosity; green commitment; green purchase intention; muslim consumer.
The Moderation Effect of Risk Governance Structure on Risk Management and Its Impact on Financial and Social Performance of Islamic Banks in Indonesia Kurniawan, Ferdian Ari; Hanggraeni, Dewi
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 7 No. 1 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v7i1.10478

Abstract

Introduction to The Problem: Risk management is critical for Islamic banks, which must navigate financial and operational risks while adhering to Sharia principles. Understanding how risk governance structures influence the effectiveness of risk management in enhancing both financial and social performance is essential. Purpose/Objective Study: This study aims to explore the moderation effect of risk governance structures on the relationship between risk management—specifically insolvency risk, financing risk, and operational risk—and the financial and social performance of Islamic banks in Indonesia. Design/Methodology/Approach: The research utilized a dynamic panel data regression method to analyze data extracted from the annual reports of 11 Islamic commercial banks spanning from 2012 to 2021. Findings: The study finds that certain risk governance structures, including the size of the audit committee, its independence, the expertise of its members, and the frequency of its meetings, as well as the quality of external audits, significantly enhance the impact of risk management on both the financial and social performance of Islamic banks. Additionally, specific structures unique to Islamic banks, such as the Sharia Supervisory Board size and the frequency of their meetings, also strengthen this effect.
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
Effects Of Social Media Marketing, Content Marketing, And Electronic Word Of Mouth On The Customers’ Decision To Use The Bank Aladin Syariah Adha, Mufti Alam; Erina Eiyanti; Riduwan
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 7 No. 1 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v7i1.10838

Abstract

Introduction to The Problem: This study analyzed the effects of Social Media Marketing, Content Marketing, and Electronic Word of Mouth on the customers' decision to use Bank Aladin Syariah, one of the Islamic Digital banks in Indonesia. Purpose/Objective Study: The research object was Bank Aladin Syariah customers throughout Indonesia. Design/Methodology/Approach: This study used online questionnaires and obtained 100 respondents who were Bank Aladin Syariah's customers using purposive sampling. This study used a quantitative method with multiple linear regression analysis, t-test, f-test, and coefficient of determination test. Findings: The results indicated that, positively and significantly, Social Media Marketing affected the customers' decision to use Bank Aladin Syariah; Content Marketing did not affect the customers' decision to use Bank Aladin Syariah; positively and significantly, the Electronic Word of Mouth affected the customers' decision to use Bank Aladin Syariah. Simultaneously, positively and significantly, Social Media Marketing, Content Marketing, and Electronic Word of Mouth affected the customers' decision to use Bank Aladin Syariah. Paper Type: Research Article
Sustainable Mangrove Tourism: Economic Valuation and Participation in Sinjai Sri Wahyuni; Muhammad Najib Kasim; Nurul Izzah
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 7 No. 2 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v7i2.11304

Abstract

Introduction: Mangrove Forest is one of the tourist attractions that has the benefits of beauty, uniqueness and significant economic value for the people of Tongke - Tongke village, Sinjai Regency. The purpose of this study was to calculate the economic benefits of mangrove forests using the Individual Travel Cost Method. Data were obtained through a visitor survey with a total of 22 observations. There are 6 variables used in this study, namely Number of Visits as the dependent variable and Travel Cost, Distance, Age, Education, and Occupation as independent variables. The results of this study explain how these variables affect a person's decision to travel and how much influence it has on the number of tourist visits made . Objective: This study aims to identify the form of community participation and economic benefits of mangrove forests using the travel cost method from an Islamic economic perspective. Methodology: This study uses the ITCM (Individual Travel Cost Method) analysis technique, which is a travel cost analysis method using survey data from individual visitors in statistical analysis. Findings: Based on the results of this study, it was found that the tongke-tongke village community participated in the development of mangrove forests from an economic and social perspective, the existence of a mangrove forest tourism village was initiated by the surrounding community because it was built on the work and self-help of the local community, so that this mangrove forest is community-based, and this is one of its characteristics that distinguishes the existence of mangrove forests in other areas that exist as engineering results of government policies that have a large economic benefit value for visitors, this can be seen from the value of economic benefits obtained for one year which amounted to Rp. 176,307,689, from an Islamic economic perspective the existence of this mangrove forest is able to provide mashlahah for the ecosystem around the mangrove debt area. 176,307,689, from an Islamic economic perspective the existence of this mangrove forest is able to provide mashlahah for the ecosystem around the mangrove debt area. Paper Type: Research Article Keywords: Participation; Mangrove Forest; Nature Tourism; Travel Cost; Islamic Economic Perspective.

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