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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 The Effect of Electronic Word of Mouth on Purchasing Decisions for Shopee Products for Generation Z and Millenials in Bone Regency Fitriani Arif; Muhammad Adli Alwi
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.v14i1.7750

Abstract

This study aims to determine the effect of Electronic Word of Mouth on product purchasing decisions at Shopee among Generation Z and Millennials in Bone Regency. This research uses a quantitative approach and descriptive-analytical. The data collection technique used in this study was distributing questionnaires to 50 respondents from the millennial and Z generations in Bone Regency. The data analysis technique is linear regression analysis. The study's findings that Electronic Word of Mouth has a positive and significant impact on consumer purchasing decisions. That is, the hypothesis is proven. Thus, the positive and significant influence shows that electronic word of mouth can be one of the considerations for generation Z and millennial generations in Bone Regency in deciding to buy products at Shopee.
LAZ DASI'S Education and Literacy Program in Increasing the Awareness of The People of Central lombok to Pay Zakat through LAZ DASI Siti Rahmawati RHM; Agus Mahmud; Nurul Susianti; Hariono Hariono
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.v14i1.7850

Abstract

This research is motivated by the data source of BPS Central Lombok Regency, the number of Muslim residents who are said to be economically capable and have income shows that the number of Central Lombok Muslim residents who are able to pay zakat with the number of residents or people who pay zakat through LAZ DASI and BAZNAS Central Lombok is said to be insignificant. This may occur because public awareness of zakat can be influenced by a person's knowledge or understanding of zakat itself. So based on this data, people who still lack awareness of paying zakat need educational and literacy activities among the community carried out by institutions or zakat management bodies such as LAZ DASI to provide understanding and knowledge about the program for awareness in paying zakat through official zakat management institutions. This type of research is descriptive qualitative research. The data collection methods used are observation, interview and documentation methods. While the data sources used are primary data sources and secondary data. The results of the research conducted by researchers show that education and literacy carried out by LAZ DASI Central Lombok have significantly increased public awareness to pay zakat at LAZ DASI Central Lombok. Educational activities carried out are through partner meetings, socialization, volunteer communities, and zakat awareness safaris. While literacy activities are carried out through the reading bale ceria lombok and LAZ DASI magazine.
The Influence of Islamic Financial Literacy and Demographic Factors on Islamic Financial Planning (Case Study in Central Lombok, West Nusa Tenggara) Heni Susanti; Suharti Suharti; Intan Kusuma Pratiwi
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.v14i1.7916

Abstract

This study aims to determine the effect of Islamic financial literacy and demographic factors in Central Lombok society both simultaneously and partially on Islamic financial planning. In this study the population is the people of Central Lombok. The sample in this study amounted to 100. Central Lombok community respondents. This research method is quantitative research. The type of research used is causal associative. The data analysis used is SPSS, validity test, reliability test, multiple linear regression, classical assumptions, hypothesis testing, t test, f test and determination test (R2). The results of this study indicate that the Islamic financial literacy variable partially has a positive and significant effect on Islamic financial planning. This can be seen from the t-count value of 17.699 t-table of 1.984 with a significance value of 0.001 0.05. Demographic factor variables partially have a positive and significant effect on Islamic financial planning. This can be seen from the t-count value of 12.699> t-table of 1.984with a significance value of 0.001<0.05. While simultaneously obtained the value of f-count 232.524and f-table 3.09 has a positive and significant effect on Islamic financial planning with a f-count value of 232.524,3.09 f-table and a significant probability value of 0.001<0.05. So it can be concluded that the variable (X1) (X2) simultaneously significant effect on (Y).
ANALYSIS OF ISLAMIC FINANCIAL INSTITUTIONS ON POVERTY IN INDONESIA Nufus, Shoufa Hayatun; Yazid, Muhammad
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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Abstract

Poverty is a complex problem and must be addressed immediately. Various efforts have beendesigned and realized by the government to reduce poverty in Indonesia. One of them isestablishing a financial institution that is based on Islamic principles commonly known as anIslamic Financial Institution (LKS). The purpose of this study is to find out the role of Islamicfinancial institutions in poverty alleviation. This research uses the library research method withthe search engine used in the literature search is Google Scholar with the keywords IslamicFinancial Institutions, poverty alleviation, and poverty of the Indonesian people. The results ofthe study show that in the LKS there are instruments that can help solve the problem of poverty,namely through the distribution of zakat, utilizing the insurance sector, the BMT program, andcapital development as an effort to alleviate poverty. The conclusions of this study indicate thatIslamic Financial Institutions can assist the poor in solving the problem of poverty. in povertyalleviation following the goals of the SDGs. Islamic financial institutions have a role, namelyhelping underprivileged communities by holding zakat distribution programs, utilizing theinsurance sector, increasing people's income and businesses to bring prosperity such as throughMSME funding, and being able to reduce poverty. to channel various funding needs so that itcan have positive value for economic improvement in society as a poverty alleviation effort inIndonesia.
THE INFLUENCE OF FINANCIAL LITERACY AND INCOME ON FAMILY WELFARE IN RATO VILLAGE, BOLO DISTRICT, BIMA REGENCY THROUGH FINANCIAL BEHAVIOR AS A VARIABLE INTERVENING Afniatun, Nur; Sanurdi; Saadatirrohmi, Siti Ahdina
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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Abstract

This study aims to examine the effect of financial literacy, income on financial well-being, bothdirectly and through financial behavior. The population of this study were all heads of familiesin Rato Village, Bolo District, Bima Regency. The sample of this research is 95 heads of familiesusing the Slovin formula with purposive random sampling technique. This study uses aquantitative approach. Data collection techniques in this study using a questionnaire. The dataanalysis technique uses descriptive analysis and path analysis with the SMARTPLS 4.0 program.The results showed that financial literacy and income had a positive and significant effect onfinancial behavior, financial literacy and income had a positive and significant effect on financialwell-being. Financial behavior had a positive and significant effect on financial well-being. Theresults of the mediating effect show that financial literacy and income have a positive andsignificant effect on financial well-being through financial behavior as intervening variables.
ANALYSIS OF THE INFLUENCE OF CAR, DPK AND PRODUCTIVE ASSETS QUALITY ON PROFITABILITY (ROA) WITH FDR AS AN INTERVENING VARIABLE MAQASHID AL NAJJAR'S PERSPECTIVE ON SHARIA BANK IN INDONESIA Kusumastuti, Lely; Aziz, Abdul
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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Abstract

This research aims to answer the influence of CAR, DPK and KAP (Productive Asset Quality)on Profitability (ROA) with FDR as an intervening variable from Maqashid Al Najjar's perspectiveon Islamic banks in Indonesia. Data collection was carried out using documentation methods,library methods and documentation methods. In this research the author used quantitativemethods. In the following research, the population is all Sharia Commercial Banks and ShariaBusiness Units. Sampling used the purposive sampling method using certain criteria. From the resultsof the data analysis carried out, it shows that 1. The CAR variable has a positive effect on ROA,2. The DPK variable has no positive effect on ROA, 3. The KAP variable has no positive effecton ROA, 4. The FDR variable has no positive effect on ROA, 5. The variable CAR has nopositive effect on FDR, 6. The TPF variable has a positive effect on FDR, 7. The KAP variablehas no positive effect on ROA, 8. The FDR variable cannot mediate CAR on ROA, 9. TheFDR variable cannot mediate DPK on ROA, 10. The FDR variable cannot mediate KAP onROA
CRYPTOCURRENCY’S INNOVATIVE AS PAYMENT SOLUTION FOR ZISWAF Puro, Intan Widia; Sholahuddin, Muhammad; Arfatun
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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Abstract

Cryptocurrency has emerged as a disruptive innovation in the realm of payment systems, providing an alternative to traditional fiat currencies. This abstract explores the potential of cryptocurrency as an innovative payment solution specifically tailored for Zakat, Infaq, Sadaqah, and Waqf (ZISWAF) contributions. The objective of this study is to examine the novelty and implications of utilizing cryptocurrency for ZISWAF payments. A mixed-methods approach is employed, combining qualitative interviews with ZISWAF organizations and quantitative data analysis of cryptocurrency transactions. The results reveal several unique aspects of using cryptocurrency for ZISWAF contributions. Firstly, it offers increased transparency and accountability, as blockchain technology ensures a decentralized and immutable ledger. This enhances trust among donors and recipients, leading to greater participation and higher donation rates. Additionally, cryptocurrency enables fast and low-cost cross-border transactions, eliminating the need for intermediaries and reducing transaction fees. The novelty of this research lies in the application of cryptocurrency to ZISWAF payments, which has not been extensively explored in previous studies. By bridging the gap between digital currencies and charitable giving, this research contributes to the existing literature by presenting a new avenue for utilizing cryptocurrency as a means of social impact. The implications of adopting cryptocurrency for ZISWAF payments are significant. Firstly, it facilitates the global reach of ZISWAF organizations, enabling them to attract donors from different parts of the world. Moreover, the integration of cryptocurrency promotes financial inclusion, allowing individuals with limited access to traditional banking systems to participate in charitable giving. Furthermore, the transparency and traceability of cryptocurrency transactions can help combat corruption and ensure that donations are used for their intended purposes. In conclusion, this study highlights the novelty of utilizing cryptocurrency as an innovative payment solution for ZISWAF contributions. The implications of this research extend beyond the ZISWAF sector, demonstrating the potential for cryptocurrency to revolutionize charitable giving and foster social impact.
THE PERFORMANCE OF VILLAGE-OWNED ENTERPRISES (BUMDES) IN IMPROVING THE COMMUNITY ECONOMY Samahudin
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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Abstract

Institutional performance of BUMDES in running an internal business by serving the needs ofcommunity members such as basic needs, rental of goods, managing tourist parks, selling localproducts, and others, with low risk so that it can run smoothly and sustainably as expected.BUMDES which grows from social solidarity and local wisdom is quite strong and sustainablethis is due to local wisdom that is full of local products, which is a factor that greatly affects thedurability and sustainability of BUMDES
INFLUENCE DIVERSIFICATION PRODUCTS, PACKAGING INNOVATION, HALAL LABELIZATION TO INCREASING THE QUANTITY OF SALES OF BABAKAN SANDUBAYA BREAD Hidayah, Nurul; Zulpawati; Atmayanti, Tati
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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Abstract

This study aims to analyze the effect of product diversification, packaging innovation, halal labeling on the sales quantity of Babakan Sandubaya bread. This type of research is a quantitative approach with asosiative method. The sample in a study amounted to 45. Data collection techniques using questionnaires and processed using SPSS 26. The results of this study indicate that partially product diversification has no positive and significant effect on the quantity of bread sales with the result that the t-count value (X1) is 0.200 which is smaller than the t-table value of 2.019 with a significance probability value of 0.842 > 0.05. Packaging innovation has a positive and significant effect on sales quantity with a t-count value (X2) of 6,437 greater than the t-table value of 2.019 with a significance probability of 0.000 <0.05. Halal labeling has a positive and significant effect on sales quantity with a t-count value (X3) of 2,383. greater than the t-table value of 2.019 with a significance probability of 0.004 <0.05. Meanwhile, simultaneously obtained an f-count value of 11.013 from f-table 2.83 and a significant probability value of 0.000 <0.05. So it can be concluded that the variables (X1), (X2), (X3) simultaneously have a significant effect on (Y) Babakan Sandubaya bread. Judging from the coefficient, the R square value is 0.69, this shows that out of 100% there are 69% of the independent variables that can explain the dependent variable. The remaining 31% is influenced by other variables not included in this study.
HALAL INDUSTRY CONTRIBUTION TO ECONOMIC GROWTH TO ACHIEVE SDGS IN MAQASHID SYARIAH PERSPECTIVE Naja, Chifni Darun
IQTISHADUNA Vol. 14 No. 2 (2023): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : UIN Mataram

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Abstract

This research aims to describe how the contribution of the halal industry is to economic growth to achieve sustainable development in the perspective of maqashid sharia. This study used descriptive qualitative method. The approach used in this study was the library research method taken from journals and books related to research. This study analyzes. The results of the study show that the halal industry can increase economic growth, the halal industry as a means to achieve SDGs goals in accordance with maqashid sharia. the goals of the SDGs are aligned with the goals of the Islamic economy or even broader than the goals of the SDGs. the halal industry will support the implementation of sustainability development goals (SDGs) while maintaining maqashid sharia.

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