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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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Does Productive Zakat Affect the Growth of Mustahiq Micro Business? Case Study Lazismu DIY Dwi Santosa Pambudi; Rofiul Wahyudi; Alung Prasetya; Ketina Widiana; Rasyid Bimo Radithyo; Dhea Arsy Ramadhini; Inda Dwi Kartika
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.v7i2.12002

Abstract

Introduction: State the problem statements of the article briefly and concisely. One of the pillars of Islam that has an economic dimension is zakat, where the funds collected can be utilized with the aim of increasing the growth of the mustahiq business. In contemporary treasures, it is called the utilization of productive zakat. Purpose: The purpose of this study is to explore the relationship between the utilization of productive zakat in increasing the growth of Mustahiq Business in the Muhammadiyah Amil Zakat Institute (LAZISMU) Yogyakarta. Methodology: This study uses a quantitative method with a descriptive approach and data analysis using linear regression. Data was collected from mustahiq who received productive zakat from LAZISMU Yogyakarta. Findings: The finding is that the utilization of productive zakat has a significant and positive impact on the growth of mustahiq businesses, both partially and simultaneously. Paper Type: Research Article or General Review Keywords: Growth; Lazismu; Micro Business; Productive Zakat
Corporate Governance Strategies for Navigating the VUCA Era: A Case Study of BPRS Barokah Dana Sejahtera Yogyakarta Edi Sunarto; Riduwan, Riduwan; Aftoni Sutanto
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v8i1.12918

Abstract

Introduction: Governance is a crucial aspect of financial institutions, including Islamic rural banks (BPR Syariah), to ensure sustainability and competitiveness. PT. BPR Syariah Barokah Dana Sejahtera faces challenges in governance implementation, particularly in the VUCA (Volatility, Uncertainty, Complexity, and Ambiguity) era. Several obstacles, such as inconsistency, insufficiently comprehensive governance guidelines, and lack of intensive socialization, hinder the effectiveness of governance practices. Purpose: This study aims to examine the implementation of governance at PT. BPR Syariah Barokah Dana Sejahtera and formulate strategies to optimize governance practices in response to the challenges of the VUCA era. Methodology: This research employs a qualitative approach with a case study method. Data were collected through observations, document analysis, and interviews. The analysis process follows a structured approach, including data collection, data reduction, data presentation, and conclusion verification. Findings: The study identifies key challenges in governance implementation, including inconsistency, incomplete governance guidelines, and inadequate socialization efforts. Strategies to strengthen governance in the VUCA era are explored, covering aspects such as self-assessment results, governance strengthening, technology and digitalization strategies, risk management, competitiveness enhancement through product innovation, collaboration and synergy strategies, as well as strategies for adapting to regulations and the business environment. Paper Type: Research Article. Keywords: BPR Syariah; Digitalization; Governance; Risk Management; Vuca.
Adonara Island NTT: Preservation Of Weaving Traditions and Sustainable Halal Tourism Destinations Windu Baskoro
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v8i2.12128

Abstract

Introduction to The Problem: Adonara Island, located in East Flores Regency, East Nusa Tenggara (NTT), possesses rich cultural potential through its traditional woven fabrics that reflect a strong local identity and cultural values. However, its potential as a cultural-based tourism destination remains underexplored. Purpose/Objective Study: This study aims to evaluate the potential of Adonara Island as a tourist destination based on the weaving industry by integrating aspects of the creative economy, cultural preservation, and halal tourism development. Design/Methodology/Approach: The research employed a qualitative descriptive approach, focusing on actual field conditions. Primary data was collected through interviews with local stakeholders, while secondary data was obtained from literature, government reports, and community documentation. Data analysis was conducted using SWOT analysis supported by IFAS and EFAS matrices. Findings: The results indicate that Adonara Island holds significant potential as a leading destination for cultural tourism. The SWOT analysis places Adonara Island in the first quadrant (growth strategy), suggesting strong opportunities for development. The recommended strategy includes improving accessibility, developing Muslim-friendly facilities, and empowering local communities through training and incentives. Branding efforts are encapsulated under the name “Adonara Tenun Island,” targeting both domestic and international markets. Sustainable tourism principles are applied by integrating environmental and cultural conservation. Collaboration between government, private sector, and local communities is essential for building an inclusive tourism ecosystem.
The Implementation of Zakat Funds in Disaster Risk Reduction in Indonesia: Evidence in BAZNAS Disaster Resilient Village Edo Segara Gustanto; Anton Priyo Nugroho
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v8i2.12633

Abstract

Introduction to The Problem: Indonesia is a country prone to natural disasters, and the need for effective disaster risk reduction strategies is increasingly urgent. At the same time, zakat as a form of Islamic philanthropy remains underutilized in structured disaster mitigation efforts. Purpose/Objective Study: This study aims to examine how zakat funds are implemented in the Disaster Resilient Village (Katana) program and assess their effectiveness in reducing disaster risks through community empowerment and infrastructure development. Design/Methodology/Approach: The research employs a qualitative descriptive approach using data from case studies, institutional reports, and previous literature. Data collection includes interviews and documentation from relevant zakat institutions and disaster mitigation actors. Findings: The findings reveal that zakat funds, when properly managed and integrated, can significantly contribute to disaster resilience by supporting economic empowerment, infrastructure development, and preparedness efforts. Challenges include limited coordination between government and private zakat institutions. The study recommends stronger collaboration across stakeholders and greater public education to enhance understanding of zakat’s potential in disaster mitigation.
Exploring Halal Tourism as Indonesia’s Super-Priority Destination: Muslim Travelers’ Needs in Labuan Bajo Cahyania Nursyabani; Muhammad Azmi Nurkarim; Nur Fatwa; Nova Rini
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v8i2.13315

Abstract

Introduction to The Problem: Labuan Bajo is considered one of the potential destinations for the development of 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. Purpose/Objective Study: Explore the needs of Muslim travelers who visit the Super Priority Destination of Labuan Bajo, one of the tourist destinations where most population is non-Muslim. Design/Methodology/Approach: The approach used is qualitative, with data collected through in-depth interviews with Muslim Traveler informants who have visited Labuan Bajo. The in-depth interview questions are based on the extension of the theory of travel. Findings: 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. 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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