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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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Analysis Of Islamic Marketing Strategies In Increasing Muslim Costumer Confidence In Halal Products: ISLAMIC MARKETING Qonita, Fika; Rizqina, Nala Rosida; navilatul maula, ahla; Asytuti, Rinda
IQTISHADUNA Vol. 15 No. 1 (2024): IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i1.10245

Abstract

The halal product market is growing rapidly along with the increasing number of Muslim consumers in the world. This opens up opportunities for businesses to market their products using Islamic marketing strategies. Therefore, this analysis aims to discuss effective Islamic marketing strategies in increasing Muslim consumer confidence in halal products, as well as discussing the challenges and opportunities associated with a sustainable halal market. The research method used in this research is library research, which is a series of studies related to library data collection methods, or research whose research objects are explored through a variety of library information by collecting data from various sources such as scientific journals, articles, and books. The results showed that there are several Islamic marketing strategies that are effective in increasing Muslim consumer confidence in halal products, namely: Principles, Practices, and Characteristics of Marketing, Objectives and Functions of Islamic Marketing, Muslim Consumer Behavior Trust, Factors Affecting Muslim Consumer Trust, Halal Products. With that, the application of effective Islamic marketing strategies can increase Muslim consumer confidence in halal products, so as to increase sales and market share of halal products.
Overview Of The Implementation Of Profit Sharing System In Islamic Commercial Banks In Indonesia Pratiwi, Putri Hadiyanti; Nazulah, Laili Irfatun; Huda, Qomarul; Nurohman, Dede
IQTISHADUNA Vol. 15 No. 1 (2024): IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i1.10298

Abstract

Profit-sharing system is a special feature of Islamic banking to be offered to the public as a substitute for interest in conventional banks that are considered to contain elements of usury. Identification of problems based on data and previous research is to review how the application of profit-sharing that is characteristic of Islamic banks as a substitute for usury solution, whether the majority of Muslim Indonesians have made maximum use of the profit-sharing system, and whether Islamic banks carry out their financing activities by Sharia provisions. The purpose of this study was to determine the application of the profit-sharing system in Islamic commercial banks in Indonesia and the comparison of the Mudharabah and Musharakah financing systems with the Murabahah financing margin. This research uses qualitative methods of library research approach (literature study). Data analysis techniques using qualitative data Miles and Huberman models. As a result, the application of profit sharing in 12 Sharia commercial banks (BUS) in Indonesia is greater than the financing of Musharakah financing Mudharabah. Comparison of Mudharabah and Musharakah financing with a profit-sharing system with Murabahah financing, namely as of December 2022, Murabahah financing is still the largest financing in demand by the Indonesian people. This is because financing with a profit-sharing system contains many risks.
An Examination Of The Impact Of Return On Equity (Roe) And Return On Assets (Roa) On Ntb Syariah Bank's Profit Growth Renaldy, Lalu; Aziz, Rusman Azizoma; Yusrini, Baiq Ari; Suriani, Suriani
IQTISHADUNA Vol. 15 No. 1 (2024): IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine the effect of Return On Assets and Return On Equity on Profit Growth . This study uses a quantitative method that emphasizes the proof of the hypothesis which is based on the formulation of the problem presented. Data collection techniques are carried out by collecting data obtained from the official website of Bank NTB Syariah. Data analysis was carried out using an analytical tool, namely E-views. Based on the results of the t-test, the probability value of X1 Return On Assets (ROA) is 0.0000 which means that the probability value is less than 0.05, so it can be said that the Return On Assets (ROA) has a significant effect, and has a coefficient value of 4.710385, so it can be said that Return On Assets (ROA) has a positive effect. The results of this study indicate that Return on Assets (ROA) (XI) has a positive and significant effect on Profit Growth (Y). Based on the results of the t-test, the probability value of X2 Return On Equity (ROE) is 0.0051 which means that the probability value is less than 0.05, so it can be said that Return On Equity (ROE) has a significant effect, and has a coefficient value of -0.379687, so it can be said that (Return On Equity (ROE) has a negative effect. The results of this study indicate that Return On Equity (ROE) has a negative and significant effect on Profit Growth (Y).
Strategy For Development Of Micro/Small/Medium Enterprises (MSMEs) Based On A Circular Economy: Case Study MSMEs In Mataram Pratiwi, Intan Kusuma; Iva Istirawati
IQTISHADUNA Vol. 15 No. 1 (2024): IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research examines 2 main issues, 1) strategies for developing Micro, Small and Medium Enterprises (MSMEs) in the City of Mataram, 2) supporting and inhibiting factors for the development of Micro, Small and Medium Enterprises (MSMEs) in the City of Mataram. This research uses a qualitative type using three types of data collection models, namely observation, interviews and documentation. The data analysis techniques used are data reduction, data presentation, and drawing conclusions. Meanwhile, checking the validity of the data uses extended observations, increasing persistence and triangulation. From the results of the research that has been carried out, it was found that the development strategies for Micro, Small and Medium Enterprises (MSMEs) in the City of Mataram are different for each MSME. There are those who adopt all circular economy principles or several principles of the circular economy. The 5 principles are: Reduce, Reuse, Recycle, Recover, Redesign. Meanwhile, the supporting and inhibiting factors for the development of Micro, Small and Medium Enterprises (MSMEs) inMataram City vary in the process of running the business. From the supporting factors for the development of MSMEs, it can be concluded that the important points are production materials, human resources and information technology. Meanwhile, the factors inhibiting the development of MSMEs are business capital, regulations, resistance and new competitors
Analysis of the Impact Of The Profitability Ratios on Corporate Zakat Expenditure (Study on Islamic Commercial Banks in Indonesia from 2020 to 2023) Agustiani, Nely; Hasanah, Shofia Mauizotun
IQTISHADUNA Vol. 15 No. 1 (2024): IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i1.10588

Abstract

This research aims to determine the effect of profitability ratios on corporate zakat expenditure in Islamic commercial banks in Indonesia from 2020 to 2023. This quantitative research utilizes secondary data. The dependent variable in this study is corporate zakat, and the independent variables are profitability ratios proxied by Return on Assets (ROA) and Return on Equity (ROE). The data analysis method uses panel data regression. The population in this study consists of Islamic commercial banks in Indonesia registered with the Financial Services Authority. The sampling technique used is purposive sampling, resulting in a sample of 8 Islamic commercial banks. Data processing in this study uses the statistical data analysis tool Eviews version 10. The results of the study can be concluded partially that the Return on Assets variable has a significant negative effect on corporate zakat expenditure, and the Return on Equity variable has a significant positive effect on corporate zakat expenditure. Simultaneously, it also shows that Return on Assets and Return on Equity affect corporate zakat.
Impact of Sharia Mutual Funds and Sharia Stocks on The Economic Growth of Indonesia In The Period of 2013-2022 Aulia, Kharisma; Suhirman, Gatot; Susianti , Nurul
IQTISHADUNA Vol. 15 No. 1 (2024): IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i1.10598

Abstract

The research aimed at determining whether Sharia mutual funds and Sharia stocks have an influence on the economic growth of Indonesia as measured by the growth of Indonesia's Gross Domestic Product (GDP). This type of research is quantitative research with an associative approach. The data collection technique is by taking data from the official website of the National Central Statistics Agency, the Indonesian Stock Exchange and the Financial Services Authority. This research also uses other secondary sources such as scientific journals and theses which are appropriate to this research. The study employs prerequisite tests with classic assumption tests, followed by hypothesis testing using multiple linear regression with the analytical tool EViews-12. From the test results, a multiple linear equation model was obtained: Y = 1.319125 + 0.022249*X1 + 0.001161*X2. The Sharia mutual funds variable (X1) is significant to Indonesian economic growth (Y) with a probability value of 0.0190 < 0.05, indicating that Sharia mutual funds significantly influence Indonesian economic growth. The Sharia stocks variable (X2) is significant to Indonesian economic growth (Y) with a probability value of 0.0200 < 0.05, showing that Sharia stocks significantly affect Indonesian economic growth. Simultaneously, they significantly affect the dependent variable, meaning that Sharia mutual funds and Sharia stocks collectively have a significant impact on Indonesian economic growth. Looking at the regression, the R-Squared value is 0.889354, which means that the influence of the independent variables on the dependent variable is 88%, while 12% is influenced by other variables.
The Influence of Competency and Spiritual Intelligence on The Performance of PT Employees in Bank NTB Syariah Head Office Ambarwati, Rini; Atmayanti, Tati; Hayati, Sirrul
IQTISHADUNA Vol. 15 No. 2 (2024): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i2.10586

Abstract

The growth of the sharia banking industry in Indonesia is increasing, so it requires superior and professional quality human resources. The reality of fraud by employees at financial institutions such as Bank NTB Syariah certainly causes losses for the Company. Therefore, the urgency of this research is to focus on the influence of competence and spiritual intelligence on the performance of Bank NTB Syariah Head Office employees. This research uses a quantitative approach and the type of research isassociative causality. The total population was 271 respondents, and the sampling technique was quota sampling technique with the Slovin formula and the sample size was 73 respondents. The data collection technique uses questionnaires and documentation methods. The data analysis technique uses Multiple Linear Regression analysis using the SPSS version 24 application. The findings from this research show that there is a positive influence between the competency variable (X1) on the employee performance variable (Y). From a theoretical perspective, these findings show that competence can improve employee performance. This means that competency refers to the ability and behavior of employees in carrying out their duties and responsibilities and is able to improve their performance in their work. There is a positive influence of the spiritual intelligence variable (X2) on employee performance (Y). This means showing that spiritual intelligence is able to improve employee performance. This means that spiritual intelligence which is formed by honesty, flexible attitudes, quality of vision and values ??for self-development is able to improve employee performance in their work.
The Effect of Ziswaf Acceptance, Giro Wadiah Savings, and Murabahah Income on Bonus Wadiah With Firm Size as A Moderating Variable for The Period of 2018.Q1 to 2023.Q3 Asrul Yatimi, Muh.; Hestya Budianto, Eka Wahyu
IQTISHADUNA Vol. 15 No. 2 (2024): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i2.10654

Abstract

This study aims to determine and examine the effect of ZISWAF Fund Revenue, Wadiah Current Account Deposits, and Murabahah Income on Wadiah Bonus with Firm Size. The sample used in this study is a company in the financial sector listed on the Indonesia Stock Exchange (IDX) in 2018-2023. The sampling technique used was purposive sampling, with a total sample of 5 companies for 5 years. The data analysis technique used is Panel Data Regression Analysis and Moderated Regression Analysis (MRA) with the Eviews 12 application. The results showed that the receipt of ziswaf funds had no significant effect on the financial sector wadiah bonus for the 2018-2023 period. Wadiah current account deposits have a significant positive effect on wadiah bonuses in the financial sector for the 2018-2023 period. Murabahah income has no significant effect on bonus wadiah financial sector for the period 2018-2023. firm size cannot moderate the effect of ziswaf fund receipts on bonus wadiah financial sector in the 2018-2023 period. firm size can moderate the effect of wadiah current account deposits on bonus wadiah financial sector in the 2018-2023 period. firm size cannot moderate the effect of murabahah income on bonus wadiah financial sector in the 2018-2023 period. In future studies, it is expected to use other variables as moderating variables, such as BOPO and use a sample of companies from other sectors so that the results of the study will be more accurate.
Haram Statement on Digital Wallet Discounts; A Critical Approach Widyarini, Widyarini; Avisha, Lady
IQTISHADUNA Vol. 15 No. 2 (2024): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i2.11043

Abstract

Smartphone and tech-savvy users, have a tendency to choose digital wallets instead of physical wallets. In addition to being practical, digital wallets offer many advantages such as: discounts, free shipping, cashback, so that users can shop more efficiently. The MUI fatwa on the use of the digital wallet discount law does not yet exist, so various opinions have emerged on its halal law. This research is a qualitative library research, with the aim of revealing about the halalness of digital wallets and the provision of discounts on digital wallets, so that users do not hesitate in using digital wallets. The results showed that the law of digital wallet discounts is halal, so the haram statement of the digital wallet discount law is not true. The contract on a digital wallet is wadiah yad d}Amanah contract, not a qard contract. Discounts on digital wallets are in accordance with the provisions of Islamic law and are in line with maqa>s}id shari>’ah. Discounts on digital wallets are not a benefit of qard} but 'at}a>ya.
Analysis of The Influence of Financial Target, Rationalization, Dualism Position and Collusion on Fraudelent Financial Statements With The Audit Committee as A Moderation Variable in Sharia Commercial Banks in 2014-2023 Maharani, Fitria; Kurniawan, Heri
IQTISHADUNA Vol. 15 No. 2 (2024): IQTISHADUNA: Jurnal Ekonomi Dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i2.11126

Abstract

This research aims to find out the influence of financial targets, rationalization, dualism position and collussion on fraudulent financial statements with audit committees as a moderating variable in Islamic commercial banks in Indonesia. In the research that has been carried out, the method used is quantitative by processing panel data obtained from the annual reports of each Islamic commercial bank. After carrying out the test, the results were obtained that the financial target variable had a positive but not significant effect (had no effect) on fraudulently lent financial statements. rationalization has a positive but not significant effect (has no effect) on fraudulent financial statements. dualism position has a negative and insignificant effect (has no effect) on fraudulently lent financial statements. Collusion has a positive but insignificant effect (has no effect) on fraudulent financial statements. The audit committee cannot moderate the influence of the financial target on fraudulently lent financial statements. The audit committee cannot moderate the influence of rationalization on fraudulent financial statements. The audit committee can moderate the influence of dualism position on fraudelient financial statements and the audit committee cannot moderate the influence of collussion on fraudelent financial statements. In conclusion, financial targets, rationalization, dualism position, and collussion have no effect on fraudulently elegant financial statements. The audit committee is only able to moderate the influence of the dualism position on fraudulent financial statements.

Page 14 of 17 | Total Record : 165

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