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Iqtishoduna: Jurnal Ekonomi Islam
Published by Institut Agama Islam Syarifuddin Wonorejo Lumajang
ISSN : 22525661     EISSN : 24430056     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
The focus of the Journal of Syari'ah Economics and Islamic Business all aspects of scientific discussions about Islamic Economics, Syari'ah Banking and Islamic Economic Management ideas covering: 1) research article, 2) conceptual idea, 3) review of the literature, and 4) practical experience.
Arjuna Subject : -
Articles 23 Documents
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Search results for , issue "Vol. 13 No. 2 (2024): October" : 23 Documents clear
E-Mudharabah Management Information System Design with Cost Benefit Analysis Approach Andarwati, Mardiana; Swalaganata, Galandaru; Sulaksono, Aditya Galih; Futaqi, Faruq Ahmad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2541

Abstract

The urgency of this research is to provide a solution to these challenges by introducing a technology-based system called e-Mudharabah, leveraging a Decision Support System (DSS) with the Cost Benefit Analysis (CBA) method. The aim of this research is to develop a digital platform that facilitates financing for MSMEs by using the CBA-based DSS to assess business feasibility and reduce the risks associated with the traditional Mudharabah scheme. The novelty of this research lies in the integration of modern technology with Islamic finance principles through the e-Mudharabah platform. Unlike conventional Mudharabah schemes, this platform introduces CBA and DSS to evaluate business feasibility, thus minimizing financial risks. The inclusion of consultants further enhances the process by providing guidance and support to both MSMEs and financiers, ensuring better decision-making and successful partnerships. The implications of this research are impactful for both Islamic financial institutions and MSMEs. The adoption of the e-Mudharabah platform can significantly reduce risks for financiers while improving access to capital for MSMEs. The platform also promotes transparency and fair cooperation in financial transactions, contributing to the sustainability of MSME growth in alignment with Islamic economic principles.
Differences in Efficiency and Effectiveness of Micro Waqf Banks In Indonesia Before and During The Covid-19 Pandemic Heriyanti, Chrisna; Asmuni; Sumitra, Andri
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2549

Abstract

he decline in economic activity induced by covid-19 affects the financial and social efficiency of microfinance institutions (MFIs). This study aims to analyze the efficiency and effectiveness of Micro Waqf Banks before and during the covid-19 pandemic. The sample of this research is Micro Waqf Banks located throughout Indonesia that have complete data to be obtained using Data Envelopent Analysis (DEA). The findings of this study are that in 2018 the efficient Micro Waqf Banks were 25 units or around 78% which were effective there were 22 units or around 93% the average efficiency value was 95%, while the average effectiveness value was 81%. In 2019, there were 29 efficient Micro Waqf Bank units or around 58%, of which there were 19 effective units or around 37% with an average efficiency value of 87%, while the average effectiveness value was 78%. In 2020, efficient Micro Waqf Banks increased to 41 units or around 82%, effective ones increased from 2019 to 22 units, with an average efficiency value of 93% with an average effectiveness value of 77%.
MSMEs Development Through QRIS Islamic Banking in Medan City, Indonesia Rahmayati; Mujiatun, Siti; Affandi, Ahmad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2567

Abstract

The purpose to examine the use of QRIS whether it is able to increase the income of MSMEs in the city of Medan, Indonesia. The novelty recommendations for the use of QRIS for MSMEs in Medan City. The type of research uses primary research techniques by collecting data directly in the field, namely the respondents are MSME actors in Medan City. The Implication can Providing input to MSMEs to use QRIS because it can increase their income and Islamic banks to improve QRIS product innovation, especially risk mitigation and real time.The results showed that the increase in MSME income in Medan City stated that the use of the QRIS payment system had a positive and significant effect on increasing MSME income in Medan City. Constraints from using QRIS for MSMEs There are still those who do not understand how to use QRIS, both from business actors and their customers; network constrained; the slow process of disbursing funds in real time; and there is a fee for using QRIS that is charged to merchants.
The Institutional Innovation Through The Integrated Halal System In Management of Hajj Fund Investment in Indonesia Aminah, Siti; Masruroh, Nikmatul; Wardhana, Firmansyah Shidiq
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2626

Abstract

The presence of the COVID-19 disease has had an impact on the pattern of departures for the pilgrimage throughout the world, especially in Indonesia. The lockdown, PSBB, and PPKM policies have had an impact on reducing mass mobilization in the context of preventing COVID 19. The Hajj ban policy has resulted in a longer waiting list for Hajj departures. The longer the waiting list means that the Hajj funds accumulate and must be managed professionally and transparently. Law No. 34 of 2014 mandates the Hajj Fund Management Agency (BPKH) to manage the collected Hajj funds. Previously, 50% of Hajj funds were placed in Islamic banking, it is planned that in 2021 there will be changes. 30% of funds being placed in Islamic banking and 70% being invested in the Islamic investment sector, which is able to provide optimal returns. Therefore, this article was compiled with the aim of providing analysis and proposals for investment innovations that are Sharia-compliant and able to provide benefits for pilgrims who have already made Hajj payments, namely with an integrated halal system. This goal is achieved by using a literature review with Porter's diamond analysis to see the strength of the halal industry in carrying out institutional integration with BPKH. In addition, institutional analysis is also used to explore institutional patterns that should be carried out to achieve optimal management of Hajj funds. This study concludes that in the management of Hajj funds, strong institutions are needed, specifically those that have established Islamic ethics. The principles of trust and honesty are the main foundation for carrying out a halal-integrated system. In the implementation of Hajj fund investment, integration is needed between BPKH, MUI, Ministry of Industry, BPJPH, and companies that are already halal-certified.
Segmenting, Targeting, and Positioning Analysis of Platinum iB KPR Purchase Decisions with Murabahah Agreement Wikantari, Maria Assumpta; Judijanto, Loso; Syamsuri, Helmy; Dhamayanti, Sylvia Kartika; Supriadi, Yudi Nur
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2632

Abstract

The increasing competition demands competitive advantage that should be owned by each company and requires a proper marketing strategy. The number of competitors is increasingly making consumers have many alternative options to get a product that is in accordance with expectations. BTN syariah is consistent in its core business namely housing finance in accordance with the visit of Bank BTN itself which is the leading bank in financing with mortgage products or residential financing. This purpose of this study aims to analyze and examine the factors of segmenting, targeting and positioning aspect on consumer purchase decisions of iB Platinum KPR product with murabahah contracts at BTN Syariah Mataram Branch Office. The research used the quantitative with regression analysis method. The sampling method used purposive sampling and the number of samples used in this study amounted to 55 respondents source was distribution online questionnaires via WhatsApp to Customers of BTN Syariah who had purchased KPR Platinum iB with murabahah contract. The data were analysed used IBM SPSS version 22 and analysis was carried out by several tests such as validity test, realibility test, classic assumption test, linear regression analysis and coefficient of determination test. The results of this study indicate that the segmenting, targeting and positioning, has a significant effect on purchase decisions of iB Platinum KPR product with murabahah contracts at BTN Syariah Mataram Branch Office. The findings of this study can be reference uses as a reference for future researchers  who will study similar problems. This research can also be a reference for companies to always be able to maintain aspects of segmenting, targeting and positioning aspect in designing and determining effective and efficient markering policies.
Developing a Corporate Integrity Model Through Islamic Social Reporting (ISR) in Small and Medium-Sized Enterprises (SME) in Indonesia Setyaningsih, Nina Dwi; Wahidmurni, Wahidmurni; Wahyuni, Nanik; Waeno, Mahamadaree
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2636

Abstract

This study proposes a corporate integrity model for Small and Medium Enterprises (SMEs) in Indonesia by applying Islamic Social Reporting (ISR). Rooted in Sharia principles—justice, transparency, and social responsibility—this model aims to enhance integrity in SMEs. The study identifies critical ISR elements suited to the SME context using a Systematic Literature Review (SLR) and bibliometric analysis. Results demonstrate that ISR can improve trustworthiness and public image, contributing to SMEs' sustainability by strengthening stakeholder relationships. Despite its benefits, ISR implementation faces challenges, including resource constraints and limited awareness among SMEs. This study recommends capacity-building and training initiatives to facilitate ISR adoption, supporting a more effective integrity model for Indonesian SMEs.
The Applied Fiqh Reasoning of Santri Kudus in the Development of Waqf Banks in Indonesia Muhaimin; Abd. Jalil; Suhadi
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2648

Abstract

In Indonesia, waqf banks have also been implemented under the Indonesian Waqf Board (BWI). In its implementation, this waqf bank is prioritized to be managed by the Pondok pesantren community with procedures that must be followed to be considered eligible to establish a waqf bank.  The research examines how the perspective of Kudus santri on the concept and practice of waqf banks in Indonesia, and how the fiqh reasoning of Kudus santri in the development of waqf banks in Indonesia, as well as how the applied fiqh perspective on the development of waqf banks in Indonesia. This research uses two different sources of data collection collected by the researchers themselves, directly from the primary sources. In this case, the main source is related to the reasons and reasoning of santri fiqh in the Development of Waqf Banks in Indonesia. The results show that the perspective of the Kudus santri on the concept and practice of the Waqf Bank can accept on the basis that the issue is khilafiyyah. In addition, the reasoning for the development of the Waqf Bank of the Kudus santri leads to the integration of fiqh with institutional professionalism. Even the orientation of applied fiqh is more on the aspect of the Tathbiqi Waqf Bank. Applied, the Waqf Bank is valid because it is a tathbiq norm of cash waqf in reality.
Mengukur Kinerja Perusahaan: Menggunakan Metode Pendekatan Balanced Scorecard Nurjanah; Sukaesih, Evi; Rachman, Andry Arifian
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2690

Abstract

This research aims to look at the company's performance using the balanced scorecard method, which will be measured using a financial perspective, customer perspective, internal business perspective and performance learning and growth perspective, the research method uses a descriptive analysis research method with quantitative descriptive approach, the research results show that the company's performance uses a perspective approach. The higher the financial percentage of the current ratio, the more liquid the financial condition of the research object is, while the company's performance using a customer perspective means that the revenue generating index increases, the service gets better, while the financial performance measured using the customer business method shows that Minimize Error Rate and Rework (MERR)The smaller it is, the smaller the error in the service system. Results of Prime Plaza Hotel Purwakarta in 2021 using a balanced scorecard for the Learning and Growth perspective, Prime Plaza Hotel Purwakarta got a meaning Fair/Average.
Analisis Penggunaan Smartphone Wisatawan Muslim Gen-Z: Sebuah Penelitian Interpretative Phenomenology Analysis Kurnia, Agus; Sugiyanto, Catur; Purnomo, Boyke Rudy; Kusworo, Hendrie Adji
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2847

Abstract

Halal tourism is becoming increasingly popular among Muslim tourists interested in international travel. Internationally, Muslim tourists who travel a lot are young tourists, on average 24 years old, and have a good education. Statistically, Generation Z dominates travel in Indonesia. Generation Z is a generation born between 1993-2012 (30-11 years old) and known as "digital natives," which means they quickly adapt to digital technologies and are always connected to the internet and social networks. Understanding the behavior of Generation Z has never been separated from using smartphones. So, understanding the behavior of generation Z travelers in using smartphones on the go is important because they are a potential market in the development of the halal tourism industry in the next 10-15 years. This study focuses on understanding the influence of smartphone digital technology on the behavior of generation Z Muslim tourists in Indonesia when traveling in tourist destinations. This study uses an interpretive phenomenological analysis methodology by conducting in-depth interviews and observations of Gen-Z Muslim travelers using smartphones. The data obtained is then processed using NVIVO software. Data analysis used six stages of interpretive phenomenological analysis. The results in the study will show the superordinate theme that arises from the process of interpreting the experiences of the participants with evidence as presented by the participants.
Analysis of Productivity Dynamics and Shallot Price Fluctuations Viewed from an Islamic Economics Perspective Waqi'atul Aqidah
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.3159

Abstract

This research aims to analyze the dynamics of productivity and fluctuations in shallot prices in Kecamatan Pajarakan, Kabupaten Probolinggo. The method of this research is qualitative method. Data collection was carried out using interviews, observation, and documentation methods. Data analysis techniques include data collection, data reduction, data presentation, and drawing conclusion. The results of this research show that the productivity of shallots produced by farmers is fluctuating dynamic, although in the last few months of 2023 there is an upward trend. This dynamic cause by weather change, pest and disease attacks, plant care and maintenance, and capital adequacy. In line of this, fluctuations in the price of shallots on the market are also quite high. This is due to several factors, namely consumer demand, stock supplies at traders, offers from farmers, the big harvest momet, and the presence of supplies from other sources. The mechanism for determining shallot prices is formed directly in the market. As per the perspective of Islamic Economics in Al Ghazali’s thought, it is called “natural order”, without any intervention by upholding the principles of pleasure, healthy competition, openness and honesty

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