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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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In Search for Islamic Macroprudential Policy in Indonesia: The Case of Financing to Value (FTV) and Property Financing Abdul Qoyum; Neneng Ela Fauziyyah
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 1 No. 1 (2018)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v1i1.275

Abstract

This study aims to examine the impact of macroprudential policy particlarly the relaxing of Financing to Value (FTV) on property financing of Islamic bank in case of Indonesia. In addition, this paper also analyzes the impact of macroeconomic variables and specific factors on property financing in Islamic Bank. This paper collects data from the Bank Indonesia website, the Financial Services Authority (FSA) and the Central Statistics Agency (CSA) form January 2010 until April 2016. By employing Vector Error Correction Model (VECM), this study found that inflation and Industry Produce Index (IPI) have been positively influence on the property financing, while the BI rate and financing to deposit ratio (FDR) have been negatively influence on the property financing. While the relaxing of FTV policy also negatively influence on the property financing. Therefore, This study conludes that the policy have not effectived yet.
The Role of Religiosity, Halal Awareness, Halal Certification, and Food Ingredients on Purchase Intention of Halal Food Lu’liyatul Mutmainah
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 1 No. 1 (2018)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v1i1.284

Abstract

Halal becomes the lifestyle of Muslim consumers in the world. As the Muslim population increasing, the awareness on consuming halal food also improving. This paper aims to examine the influence of religiosity, halal awareness, halal certification, and food ingredients on purchase intention of halal food among Indonesian Muslim consumers. Convenience sampling was used as the sampling method of this study. This research consisted of 205 respondents. The data are collected by questionnaire which are analyzed by multiple linear regression. The results of this study revealed that religiosity, halal awareness, halal certification and food ingredients have significantly positive effect on purchase intention of halal Food. This study indicates that consuming halal food is primary need for Muslim. Therefore, company should acquire halal certification in order to provide halal food for Muslim’s needs. This study contributed for the research literature, government, food manufacturers and marketers to develop strategies related with halal food.
Analisis Pengaruh CAR, NPF, FDR dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia Misbahul Munir
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 1 No. 2 (2018)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v1i1.285

Abstract

The increasing number of sharia financial institutions in Indonesia is accompanied by an increase in literature review regarding sharia financial institutions. Renewal of studies related to the development of Islamic finance in Indonesia is important to continue. This study aims to examine the factors that affect the level of profitability of Islamic banking in Indonesia in the latest conditions and the latest data. The approach used is quantitative descriptive. Based on the F test, the f-statistic value obtained was 0.000085 below 0.05 (five percent). In other words, the independent variables including CAR, NPF, FDR, and inflation simultaneously have a significant effect on the dependent variable ROA. Whereas in a formal manner, based on the t-test, the NPF variable has a positive and significant effect on ROA. While the CAR, FDR and inflation variables have no effect on ROA.
Deteksi Kebangkrutan pada Industri Asuransi Syariah di Indonesia Fayakhun Bakhtiar; Misbahul Munir; Ahsan Al Qasas
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 1 No. 2 (2018)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v1i1.286

Abstract

This study aims to predict the potential bankruptcy of a sharia insurance company. The analysis model used is the modified Altman Z-score analysis model. The Altman Z-score measurement model will be represented by the ratio of the network model to total assets, retained earnings to total assets, earnings before interest to total assets and capital book value to the book value of debt. The results showed that in 2011-2017 5 sharia insurance companies were in a safe zone (not bankrupt), there was only one sharia insurance company in the gray zone.
Pengaruh Program Loyalitas terhadap Kesetiaan Konsumen pada Industri Halal di Yogyakarta Mufti Alam Adha; Rofiul Wahyudi; Faiza Husnayeni Nahar
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 1 No. 1 (2018)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v1i1.287

Abstract

This study aims to examine the effect of perceived benefits of loyalty programs, which include: financial benefits, social benefits, hedonic benefits, symbolic benefits of loyalty programs in the Halal Industry. This study also examined the effect of loyalty programs on brand loyalty. This research was conducted using a quantitative approach, namely by conducting surveys, online with a sample of 200 respondents. The data in this study were processed using the Structural Equation Modeling (SEM) analysis version 21. The results showed that the financial benefit variables, social benefits, symbolic benefits had a significant positive effect on loyalty programs. While the hedonic variable on loyalty programs shows a negative relationship. This study also confirms the significant positive effect of the loyalty program on brand loyalty.
Redefining Consumer Utility in the Perspective of Islamic Economics Framework Zein Muttaqin; Martini Dwi Pusparini
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i1.717

Abstract

 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.
The Role of Islamic Microfinance For Poverty Alleviation in Bandung, Indonesia Irawan Febianto; Fuadah Binti Johari; Zurina Binti Kefeli @Zulkefli
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i1.736

Abstract

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.
Pengaruh Attitude, Sertifikasi Halal, Promosi dan Brand terhadap Purchase Intention di Restoran Bersertifikasi Halal Diah Ayu Legowati; Farah Nisa Ul Albab
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i1.787

Abstract

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
Kebijakan Spin-off dan Efisiensi Perbankan Syariah di Indonesia Zulfikar Bagus Pambuko
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i1.822

Abstract

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.
Pro-Insting (Financial Inclusion Program to Prevent Stunting) for Economic Empowerment & Movement to Accelerate Financial Inclusion for Women Yulianti M Manan; Dedik Kurniawan
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i1.847

Abstract

Introduction: One of the main themes of the Sustainable Development Goals (SDGs) is reducing poverty, hunger, and increasing inclusive economic access. The SDGs focus on indicators of human resource development, particularly those related to women and children. The results of the third National Financial Literacy Survey (SNLIK) conducted by the Financial Services Authority (OJK) in 2019 showed that the financial literacy index was 38.03% and the financial inclusion index was 76.19%. Further analysis of statistical data shows that there is a disparity in access to utilities and financial literacy between women, which tends to be lower compared to men. In line with this data, the prevalence of malnutrition cases with stunting (failure to grow linearly) is 30.8%, and there are also high rates of toddlers with malnutrition, at 17%. This data shows that Indonesia's current and future generations need serious attention, as well as integral and holistic efforts, to achieve prosperous economic justice and complete health. This study conceptualizes social innovation based on an elaborative process of two vital domains: access to financial inclusion and access to health with a dependency on the family economy, through the Pro-Insting movement (Financial Inclusion Program to Prevent Stunting). Purpose: The purpose of this study is to analyze and design an integrative innovation based on the health-economy movement by increasing access to financial inclusion and becoming an alternative role model for economic and health development businesses for women, especially mothers of children under five, in strategies to increase access to financial inclusion and reduce the prevalence of stunting. Methodology: This study uses a descriptive research design with discussion construction based on a community empowerment-based convergence innovation strategy, implemented using a social enterprise start-up model. The goal of the study is to research and develop sustainable innovation designs that have affectional value in increasing financial inclusion and reducing stunting prevalence rates. The design model for this research is the Pro-Insting roadmap, which refers to the Logical Framework Programming (LFP) protocol. Findings: Pro-Instingis a model that combines elements of social enterprise and aims to bring together two intersecting aspects.

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