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IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Published by Universitas Islam Negeri Mataram
ISSN : 20879938     EISSN : 26559714     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Iqtishaduna merupakan jurnal yang menfokuskan pada publikasi artikel di bidang kajian ekonomi dan keuangan syariah. Jurnal ini terbit pertama kali tahun 2011 oleh Fakultas Syariah IAIN Mataram yang dalam perkembangannya sejak tahun 2016 kemudian dikelola oleh Fakultas Ekonomi dan Bisnis Islam UIN Mataram. Iqtishaduna menerima tulisan ilmiah yang mengkaji berbagai pengembangan ekonomi dan keuangan syariah baik berupa artikel riset ataupun kajian kritis lainnya.
Arjuna Subject : -
Articles 165 Documents
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THE ROLE OF WAQAF MICRO-AHMAD TAQUIDDIN MANSYUR BANK IN EMPOWERING THE ECONOMY OF THE COMMUNITY OF BONDER VILLAGE, PRAYA BARAT DISTRICT, LOMBOK CENTRAL DISTRICT Asnawijaya; Naili Rahmawati; Shofia Mauizotun Hasanah
IQTISHADUNA Vol. 13 No. 2 (2022): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v13i2.6188

Abstract

Berbagai upaya telah dilakukan pemerintah untuk menekankan angka kemiskinan masyarkat, salah satu pendekatan yang dilakukan pemerintah adalah memfasilitasi program pembiayaan yang dilakukan oleh seluruh lembaga perbankan di indonesia, guna membantu para pelaku usaha mikro, kecil dan menengah (UMKM) yang mengalami kendala dalam hal kekurangan modal usaha. Bank tradisonal menawarkan pembiayaan dengan bunga, termasuk riba. Untuk itu, Otoritas Jasa Keuangan menggandeng LAZ BSM (lembaga amil zakat bank syariah mandiri) untuk menciptakan produk keuangan bebas riba yaitu Bank Waqaf Mikro Ahmad Taqiuddin Mansyur. Namun tidak mudah untuk memahami apakah Bank Waqaf Mikro Ahmad Taqiuddin Mansyur berdampak positif bagi perkembangan ekonnomi masyarakat. Jenis dalam penelitian ini menggunakan Metode deskriptif kualitatif, metode pengumpulan data yang digunakan adalah metode observasional, wawancara dan dokumentasin dan teknik analisi data. Hasil penelitian menunjukkan bahwa Bank Waqaf Mikro Ahmad Taqiuddin Mansyur telah memberikan dampak positif bagi pemberdayaan ekonomi masyarakat. Hal ini dibuktikan dengan sudah diterapkannya tiga konsep antara lain Enabling, Empowering dan Protecting, selain itu masyarakat juga dapat menimba ilmu dari pengelola Bank waqaf mikro tentang kewirausahaan, dan ajaran Islam dari anggota atau kelompok lain.
THE EFFECT OF SHARIA COMPLIANCE ON MEMBER SATISFACTION AT BMT GUMARANG AKBAR SYARIAH MATARAM Isya Fawatihussuari; Baiq Ari Yusrini; Nurul Susianti
IQTISHADUNA Vol. 13 No. 2 (2022): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v13i2.6190

Abstract

This study aims to determine the effect of sharia compliance on member satisfaction at BMT Gumarang Akbar Syariah Mataram. The research method used in this research is quantitative. The sample used as many as 97 respondents consisting of members in BMT Gumarang Akbar Syariah. Data collection techniques using questionnaires and documentation. The data analysis techniques used are validity test, reliability test, classical assumption test; heteroscedasticity, normality and hypothesis testing with simple linear analysis with the help of SPSS. The results show that sharia compliance has a positive effect on member satisfaction with a coefficient value of 9.061. The results of R Square show a value of 46.4%, meaning that the quality of the two independent variables contributes greatly to this study. From the test results it can be concluded that sharia compliance has a positive and significant effect on member satisfaction.
Implementation of Financial Technology in The Quick Response (QR) Code Based Payment System Towards Customer Statisfaction at NTB Syariah Bank Pejanggik Main Branch I Made Oka Suwartana Suwartana
IQTISHADUNA Vol. 14 No. 1 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v14i1.5854

Abstract

ABSTRACT This study aimed to discover and investigate the implementation of financial technology withQR Code-based payment system and its effect on customers’ satisfaction at NTB SyariahBank Pejanggik Main Branch. This descriptive qualitative study gathered data from interviewswith key informants to the likes of management and officers of the bank, the developmentteam of the technology division, Customers, and merchants/partners who have collaboratedwith the bank QRIS merchant services. The study concluded that the implementation offinancial technology has run well, and further development plans were needed to provideQRIS CPM (Customer Presented Mode) services, QRIS TTS (Tarik Transfer Deposit), andQRIS Issuer Cross Border. Customer satisfaction was measured through customers andmerchants who found it easier and safe payments as their reason for sustainably using andrecommending this feature to others. In addition, qualitative research enriched the knowledgeand perspectives of customers regarding the benefits and challenges faced using fintech, aQR Code-based payment system. Hence, the bank needed to improve socialization andliteracy for both customers and merchants to remain using cash transactions with the QRISof NTB Syariah Bank.
Trust in Mediating The Relationship between Security and Feature Availability on Customer Statisfaction Using Mobile Banking Muzayyana Khoirunnisa; Yudha Trishananto
IQTISHADUNA Vol. 14 No. 1 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v14i1.6208

Abstract

The growth of mobile banking in Indonesia continues to increase rapidly because theconvenience of users of mobile banking services is getting faster because mobile bankingservices are able to provide convenience in transactions. The purpose of this study is todetermine how much influence security and feature availability have on satisfaction usingmobile banking. which is mediated by trust in customers of Bank Syariah Indonesia KCP PatiSudirman 2. This research is a quantitative study with primary data obtained from the methodof distributing questionnaires to 100 respondents to customers of Bank Syariah Indonesia KCPPati Sudirman 2 through a questionnaire with purposive sampling. Based on the T test andPath Analysis shows that there is a positive and significant effect of security on satisfactionusing mobile banking, feature availability on satisfaction using mobile banking, trust insatisfaction using mobile banking, security (security) on trust, feature availability on trust. Andtrust is able to mediate the relationship between security (security) and satisfaction using mobilebanking. As well as trust being able to mediate the relationship between feature availability andsatisfaction using mobile banking.
The Actualization of Sustainable Development Goals (SDGs) In Indonesia Economic Growth an Islamic Economic Perspective Wartoyo Wartoyo; Nur Haida
IQTISHADUNA Vol. 14 No. 1 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v14i1.6706

Abstract

ABSTRAK Islamic economics has goals that are aligned with the SDGs, where economic growth mustnot come at the expense of greater things such as environmental damage and human rights.The purpose of this study is to find out how the actualization of the SDGs program oneconomic growth in Indonesia is viewed from an Islamic economic perspective. This researchuses descriptive qualitative methods with literature studies related to theoretical studies andother references related to economic growth. The results of this study conclude that theactualization of the SDGs program in economic growth in Indonesia has not been fullyachieved, even though it has gone on the right track. The indicator is that the efforts so farhave been made aimed at alleviating poverty through fiscal policy accompanied bymobilization of zakat and productive waqaf, reducing unemployment and improvingcommunity welfare through direct assistance programs and business capital assistance.Efforts to preserve the environment have also begun intensively by reclaiming beaches,reforesting forests and reducing the use of fossil fuels through the conversion of conventionalvehicles to electric vehicles. All these efforts are in line with the goals of the SDGs as well asthe goals of the Islamic economy.
The Efffect of Financial Ratio on Profitability with NOM and GWM as Moderating Factors of Banking Financial Ratios ( Study at NTB Syariah Bank) AZHAR SHAFIIN AZHAR SHAFIIN; Ahmad Amir Aziz; Sanurdi Sanurdi
IQTISHADUNA Vol. 14 No. 1 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v14i1.6780

Abstract

Profitability ratio is the main ratio in measuring the achievement of banking performance.Profitability ratio is influenced by several other ratios such as CAR, FDR, BOPO and NPF. Thisstudy examines and analyzes the effect of Capital Adequacy Ratio (CAR), Financing to DepositRatio (FDR), Operating Expenses to Operating Income (BOPO) and Non Performing Financing(NPF) on the profitability of PT Bank NTB Syariah with NOM (Net Operating Margin) andMinimum Reserve Requirement (GWM) as moderating. This research is a quantitative study thatwants to reveal the effect of financial ratios on profitability. The data used is the publication reportdata of PT Bank NTB Syariah for the period 2019 to 2021. The data analysis technique in thisstudy used Partial Least Square (PLS). The results showed that CAR, BOPO, NPF had nosignificant and negative effect on ROA as indicated by the P value of 0.212, 0.505 and 0.360respectively, while FDR had a significant and positive effect on ROA as indicated by a P value of0.000. For moderator variables, namely GWM and NOM, both have no significant effect inmoderating the FDR and BOPO variables, indicated by the P value of 0.988 and 0.589,respectively.
Banking Dilemmas: Unveiling Factors Affecting Muslim Preferences and Riba Perception in West Sumbawa Ahlis Fatoni; Mega Tria Rizki Luik
IQTISHADUNA Vol. 14 No. 1 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v14i1.7038

Abstract

This study aims to explore Muslim’s preferences in selecting a bank and theirs understanding of rib?. Primary data collected from the Muslims in West Sumbawa was analysed using exploratory factor analysis by SPSS. It is found that Muslims in West Sumbawa has knowledge about rib?. However, Muslim customers still are attracted to conventional bank because of its facility, variety of products, and its media marketing. Regarding the misconception of rib?, level of education has relation in five conceptions in prohibiting of rib?. Religion variable also has significant relation in prohibiting rib?, while the occupation variable resulted the allowance of rib? as long as it is not excessive. The results suggest that as Muslim majority, the education of rib? should be taken by the Muslim organizations and or government, while Islamic bank should do more attractive marketing and open new branch to attract Muslim customers.
Sharia Financial Literacy Index as a Preference in Interest of Saving at Islamic Banks Arfatun Arfatun; Muh Tasrif; Lila Alwyah
IQTISHADUNA Vol. 14 No. 1 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v14i1.7049

Abstract

The research aims to describe the potential of the Islamic financial literacy index in increasing people's interest in saving at Islamic Banks in West Nusa Tenggara Province. The method used is descriptive quantitative with a systematic literature review approach. The research findings show that the Islamic financial literacy index has the potential to increase the Islamic financial inclusion index. Islamic financial literacy is specified into high knowledge found in Islamic Banks and Savings is the most recognized product. Those with high Islamic financial literacy are retirees, besides those people with a vulnerable age of 25 years and over and those who work as workers. Areas that have the potential to develop Islamic financial inclusion are Mataram City and North Lombok Regency. This research contributes to providing recommendations to Islamic Banks to be considered for developing Islamic business, as well as topics to be developed in the future.
The Influence of Sharia Capital and Financial Literacy on Business Income: Survey of Wafa Al Fitrah Micro Wakaf Bank Customers AFIFAH FITRIANA; LILIK RAHMAWATI
IQTISHADUNA Vol. 14 No. 1 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v14i1.7061

Abstract

This research uses quantitative methods. The population used is the Wafa Al Fitrah Micro WaqfBank customers, totaling 80 people. The sampling technique used is a saturated sample orsaturation sample, which uses the entire population. Data collection techniques used are usingquestionnaires and interviews. Data processing and analysis techniques in this study used theclassical assumption test, multiple regression analysis and hypothesis testing. The results of thisstudy indicate that simultaneously capital and Islamic financial literacy affect operating incomewith an F-count of 14.296 > F-table of 3.0178, with a significant value of 0.000. As for partially,capital has a positive effect on business income with a t-count value of 3.091 > t-table of 1.990with a significant value of 0.003. Islamic financial literacy has no effect on income with a t-countvalue of 1.859 > t-table of 1.990 with a significant value of 0.67. It can be concluded thatsimultaneously capital and Islamic financial literacy have a significant effect on the operatingincome of Wafa Al-Fitrah Micro Waqf Bank customers, while partially capital has a significanteffect on operating income and Islamic financial literacy has no significant effect on Wafa Al-Fitrah Micro Waqf Bank operating income.
The Measurement Of The Effectiveness Level Of Zakat Distribution a Comparison Between The Zakat Colection Center in Malaysia and the national Amil Zakat agency (BAZNAS) in Indonesia Efri Syamsul Bahri; Mohd Mizan Mohammad Aslam; Abdullah Mubarok; Suyadi Murdi Wiharjo; Hendro Wibowo
IQTISHADUNA Vol. 14 No. 1 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v14i1.7218

Abstract

In Malaysia, the Zakat Collection Center (PPZ) plays a role in collecting zakat in three Federal Territory areas: the Kuala Lumpur Federal Territory, the Labuan Federal Territory, and the Putrajaya Federal Territory. Meanwhile, the distribution of zakat is carried out by Baitulmal. Furthermore, in Indonesia, the collection and disbursement of zakat are carried out by the National Zakat Agency (BAZNAS). This study aims to compare the level of effectiveness of zakat disbursement between PPZ and BAZNAS. This study uses a quantitative method with the Allocation to Collection Ratio formula approach. The data is sourced from the summary of PPZ zakat reports and BAZNAS financial reports. Data were obtained from each entity's website for 2019-2021. The results showed that the level of effectiveness of the disbursement of PPZ zakat was 92%, and BAZNAS was 94%. It shows that the effectiveness of zakat disbursement on PPZ and BAZNAS is in the Highly Effective category. Zakat management entities worldwide need to respond to the results of this research to continuously optimize the effectiveness of zakat disbursement in the Highly Effective category. Thus, the benefit of zakat is genuinely felt by Mustahik

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