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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.
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Articles 105 Documents
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Analisis Konsep Highest and Best Use Untuk Tanah Wakaf Menurut Perspektif Islam Adelita Fitriani Baiq Rizki Pratama
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 2 No. 2 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i2.856

Abstract

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i2.857

Abstract

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i2.879

Abstract

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i2.886

Abstract

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i2.921

Abstract

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.
CSR Contribution to Socio-Economic Development: Evidence from Indonesian Islamic Banks Aishath Muneeza; Aminudin Ma'ruf; Shahbaz Alam
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 3 No. 1 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v3i1.949

Abstract

Islamic banks play a significant role in social and environmental responsibility. It is known that Islamic finance is not merely profit-oriented but also looking at the prosperity of the society, as an ethical financial system Islamic finance give a massive contribution towards social responsibility. This exploratory study examines the relations between corporate social responsibility (CSR) practices of Indonesian Islamic banks and socio-economic development. The evidence presented is based on the published annual reports of 13 Islamic commercial banks in 2017. The findings of this research suggests that CSR is a priority of Indonesian Islamic banks and has correlation to the socio-economic development. Furthermore, the findings suggest that the robust guiding principles on CSR need to be developed and it has potential of Islamic banks credibility and profitability.
Good Public Governance in Islamic Perspective: An Analysis on the World Governance Indicator in OIC Member Countries Muhammad Ghafur Wibowo
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 3 No. 1 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v3i1.1718

Abstract

This study seeks to reveal the suitability of Islamic teachings with Good Public Governance (GPG), which in recent decades, has become a concern of various countries in the world. By exploring many reputable references, it is known that there is a match between the governance index published by the World Bank and the teachings of Islam. Practically even OIC has made the issue of good public governance represented by the governance index as a common goal of all its members. However, the facts show that the governance index in various OIC member countries is still relatively low compared to other countries. Therefore, all OIC member countries need to enhance further the implementation of Islamic teachings in the management of the country to produce better governance.
Macroeconomic Analysis and Financial Ratios on Sharia Commercial Bank Profitability: A Case Study of Indonesia Faiza Husnayeni Nahar; Calvin Faza; Muhammad Azizurrohman
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 3 No. 1 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v3i1.1721

Abstract

Having experienced significant growth, sharia commercial bank in Indonesia has become one of the drivers of economic growth in Indonesia. This study aims to analyze the effect of macroeconomic and financial ratios on the profitability of Islamic commercial banks in Indonesia. This study used qualitative data using secondary data during the period 2011-2018. The methodology used is panel data which combines time series data and cross section data. Variables used include Non Performing Finance (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER), Inflation, Domestic Product Growth (GDP), and Exchange Rates. The results of this study indicate that Non-Performing Finance (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER) have a significant influence on Islamic Bank Return On Assets (ROA) in Indonesia. Meanwhile, Growth Domestic Product (GDP), and Exchange Rate appear with no significant effect on the Return on Assets (ROA) of Sharia Commercial Banks in Indonesia.
The Convergence of Crowd Funding and Zakat System in India: An Integrated Approach for Human Welfare Muhammed Ashiq; Ubaid Mushtaq
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 3 No. 1 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v3i1.1879

Abstract

The impact of the Zakat system on human welfare is well established. In India, there is a significant development in terms of localised management of zakat system. However, the targeted delivery of zakat funds, unorganised collections and lack of transparency remain a matter of concern. There is no formal institutional mechanism for efficient Zakat distribution, and problems of circularity are at mostly affecting the progress of welfare mechanisms. Problems of circularity of Zakat funds are still, largely, incoherent and practically disconnected with the mechanics of philanthropic institutions. In our theoretical model, crowdfunding for welfare scheme is being treated as the determinant, which could mediate and alter the performance of zakat welfare. Further, make it more accessible and catering to more comprehensive economic benefits for the community. In this exploratory theoretical paper, we also examine the nature of a common platform for the Zakat distribution. In addition to this, how it could reduce the scrutiny of Government intervention and proper channelisation of Islamic philanthropic activities.  
Mosque-Based Zakat Collection in Maximizing Zakat Potential in Yogyakarta Syayyidah Maftuhatul Jannah; Hasan Al-Banna
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 4 No. 1 (2021)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v4i1.1891

Abstract

Introduction to The Problem: Indonesia as the most populous Muslim country has huge potential of zakat collection. However, the zakat collection never meets its potential. Hence, the need for localization is critical in order to maximize the zakat collection.Objective Study: this paper attempt to develop the mosque-based zakat collection in order to maximize the potential of zakat.Methodology: based on literature review and empirical investigation, self-administered questionnaire is developed to collect the data. Hence, we use Partial Least Square Structural Equation Modelling (PLS-SEM) to analyze the data. The sample of this research is the mosque management (takmir masjid).Findings: This study found that service quality of zakat institution significantly influences the intention to distribute the zakat. While zakat distribution influences insignificantly to the intention to distribute the zakat. Meanwhile, trust moderates between zakat distribution from zakat institution to intention to distribute the zakat

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