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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.

Arjuna Subject : -

Articles 105 Documents

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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.

Peran Identitas Agama Terhadap Niat Menggunakan Kosmetik Halal : Perluasan Theory of Planned Behavior Nugroho, Anton Priyo; Izzat, Dzulfikar; Suhasti, Wuri
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 2 (2019)
Publisher : Universitas Ahmad Dahlan

Market share of halal cosmetics in Indonesia increased all of the time. It was not surprising, as a country with the biggest Moslem population in the world, the need of halal cosmetics is a must. Had it trued that the consumption of halal cosmetics driven by religion (Islam) as a social identity or by other factors. This study tried to find the role of religion as consumer?s social identity with extended theory planned behavior. This study used purposived sampling technics among 100 collage students in Yogyakarta and analyzed with partial Least Square (PLS)s-SEM used smartPLS software. This research found that religion identity was not influenced toward intention to use cosmetics halal. The other variables, attitude, subjective norm and perceived behavior control have a positive and significant influenced toward intention to use halal cosmetics.

Development Of Waqf Based Microfinance And Its Impact In Alleviating The Poverty Diniyya, Aulia Arifatu
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 2 (2019)
Publisher : Universitas Ahmad Dahlan

The purpose of this paper is to discuss the potential role of the institution of Waqf in poverty alleviation. Poverty is a complex, multi-dimensional phenomenon that has captured the attention of numerous scholars and agencies globally. The social role of the Islamic financial sector can be best exemplified by providing finance to the poor to increase their income and wealth. This paper will explore on how microfinance can be provided on Shariah compliant basis through Waqf model. This research also reviewing the development of the integrated Waqf based Islamic microfinance which aimed to provide solutions to reduce poverty. An integration of Waqf-based Islamic microfinance (IWIM) model is proposed to address all the practical challenges of microfinance faced in Muslim communities. In this model, microfinance is practised in compliance with Shari?ah to address the multi-dimensional aspects of poverty and empowering the poor in order to enhance the socio-economic development and hence the well- being of the Ummah. With this aspiration, the IWIM model aims to tackle the challenges related to the scarcity of capital, inadequate human resources, absence of proper Takaful programs and project financing in an integrated approach. However, Waqf based microfinance still may be facing some problems should be addressed which related to credit risk, moral hazard, and economic viability.

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

Cointegration of Stock Market and Exchange Rate in Indonesia Pantas, Pribawa E; Ryandono, Muhamad Nafik Hadi; Munir, Misbahul; Wahyudi, Rofiul
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 2 (2019)
Publisher : Universitas Ahmad Dahlan

This study aims to determine the long-term relationship between stock market and exchange rate in Indonesia. The research method used is Johansen cointegration test. The results of this study found no cointegration between the variables tested. Thus the exchange rate, JII, and IHSG have no relationship in the long term. The fluctuation of the rupiah exchange rate in recent years did not generally affect the performance of stock indices especially after the global financial crisis of 2008. This shows the capital market in Indonesia has a good performance so that it is not so sensitive to the sentiment of the decline in the rupiah against the US dollar. This finding is in line with the findings of Syahrer (2010) which states the exchange rate has no effect on the stock market.

Persepsi, Sikap dan Minat Pariwisata Halal di Daerah Istimewa Yogyakarta Sari, Firdausa Kumala; Safitri, Novita; Anggraini, Wahyu
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 2 (2019)
Publisher : Universitas Ahmad Dahlan

Penelitian ini bertujuan untuk menguji Theory of Planned Behavior (TPB) mengenai pengaruh persepsi konsep pada sikap, persepsi perkembangan pada sikap, dan sikap pada minat masyarakat DIY tentang pariwisata halal. Rancangan penelitian ini deskriptif dan korelasional yang melibatkan 435 subyek dari Daerah Istimewa Yogyakarta, mengumpulkan data melalui survei dengan mengisi kuesioner. Pengaruh persepsi konsep pada sikap DIY tentang pariwisata halal diuji menggunakan teknik analisis data dengan SB-SEM (Covariance Based-Structural Equation Modelling) dengan softwere AMOS. Penelitian ini menunjukkan bahwa ada pengaruh anatara persepsi dan sikap pada minat masyarakat dalam pariwisata halal. Persepsi masyarakat tentang pariwisata halal terletak pada fasilitasnya. Kriteria fasilitas termasuk dalam salah satu kriteria GMTI (Global Muslim Travel Index). Pemerintah diharapkan memprioritaskan pengembangan fasilitas wisata halal.

Analisis Konsep Highest and Best Use Untuk Tanah Wakaf Menurut Perspektif Islam Baiq Rizki Pratama, Adelita Fitriani
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 2 (2019)
Publisher : Universitas Ahmad Dahlan

Penelitian ini bertujuan untuk membuat konsep penilaian pemanfaatan terbaik (Highest and Best Use) dalam perspektif Islam yang digunakan pada tanah wakaf. Penelitian ini menggunakan studi literature dan pendekatan konseptual serta analisis kritis untuk membuat metode baru yang dapat digunakan dalam menganalisa pemanfaatan terbaik dari tanah wakaf. Hasil penelitian menemukan bahwa metode HBU tidak dapat diaplikasikan untuk menilai tanah wakaf dikarenakan terdapat beberapa elemen di dalamnya yang tidak sesuai dengan prinsip syariat Islam. Adapun perbedaan diantara kedua bentuk metode ini, yaitu pada aspek fisik dan lokasi, peneliti menambahkan pedoman alternatif penggunaan tanah wakaf berdasarkan lokasinya. pada aspek legalitas, peneliti mengganti indikator penilaian status hak atas tanah didasarkan pada keberadaan akta ikrar wakaf dan sertifikat tanah wakaf, pada indikator zoning, peneliti menambahkan 5 sub indikator yang perlu dipertimbangkan, yaitu peruntukan tanah wakaf, bentuk muamalah yang dilakukan dalam memanfaatkan tanah wakaf, kebutuhan masyarakat, manfaat yang dapat diberikan dan ibdal/istibdal. Pada aspek keuangan, perbedaan terletak pada indikator pengeluaran (pertimbangan pengeluran untuk dana ZIS) dan uji kelayakan investasi menggunakan gold value method dan gold index method. Adapun pada aspek penentuan penggunaan terbaik di dasarkan pada aspek maslahan dan perhitungan nilai properti didasarkan pada prosentase kenaikan harga emas.

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Rofiul Wahyudi

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Contact Name Rofiul Wahyudi

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Location Kota yogyakarta, Daerah istimewa yogyakarta INDONESIA

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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