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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
inggris Sukmawan, Rio; Sukiman
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.v13i2.3175

Abstract

Microinsurance is emerging as an essential financial instrument within Islamic economics, focusing on principles of social justice, collective welfare, and equitable wealth distribution. This study investigates public perceptions and the factors influencing decisions to purchase microinsurance products among low-income communities in Indonesia. Despite the evolving awareness of insurance, skepticism and limited financial literacy persist, creating barriers to access. In line with Islamic economic principles, microinsurance offers a solution for inclusive financial protection through the application of ta'awun (mutual cooperation) and maslahah (public welfare), enabling the distribution of financial risks among participants without a focus on profit. This study emphasizes the potential of Sharia-based microinsurance in enhancing financial inclusion by providing affordable, accessible insurance products tailored to low-income individuals and micro-enterprises, particularly in sectors such as agriculture. The findings reveal key influencing factors: affordability, trustworthiness, simplicity, and community-driven support. Educating communities on the benefits of Sharia-compliant insurance is crucial for mitigating fatalistic beliefs and promoting a proactive approach to financial resilience. This research contributes to the broader discourse on financial inclusion, advocating microinsurance as a socially responsible and ethically aligned instrument within the Islamic economic framework to enhance financial security for vulnerable populations. Policymakers, too, have a role to play in creating an enabling environment that encourages the development and uptake of microinsurance as a vital tool for enhancing financial resilience among the vulnerable populations of Indonesia.
Unraveling Determinants of Risk Culture in Islamic Banking: Perspectives from Importance-Performance Matrix Analysis Sebayang, Saimara A.M.; Sukiman, Sukiman; Agus, Rizal
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.v13i2.3446

Abstract

This study aims to enhance our understanding of the determinants of risk culture within Islamic Banking and provide valuable guidance to management for strengthening it. Using an explanatory research design, quantitative methodology, and importance-performance matrix analysis, we distributed Google Forms to 400 employees via email and WhatsApp. The pivotal determinants of risk culture identified in the study are organization, competency, and leadership. Risk culture, which includes organizational principles, norms, frameworks, and guidelines shaping risk management, is primarily determined by the organization. The research emphasizes the crucial role of leadership in establishing, cultivating, and implementing a risk culture, highlighting its substantial impact on upholding risk management standards. Underlining the pivotal significance of organization and leadership is essential for strengthening risk culture in Islamic Banking. This involves enhancing organizational capabilities through core values, regulatory frameworks, and a steadfast commitment to robust risk management standards. Leadership in Islamic banking holds a critical position, providing unwavering support for minimizing errors, fostering operational consistency, and maintaining a resolute track record of achievements. By emphasizing these three interrelated dimensions, the study contributes to the advancement of sustainable and resilient Islamic banking practices on a global scale.
Restoring The Golden Glory: Tracing The Implementation of Dinar-Dirham In The Financial System of Prophet Muhammad And its Significance as a Global Currency Muhammad Syahrul Hidayat; Aksana, Didik Supardana Setia; Mazidah, Nurul; Ritonga, Iskandar; Nurhayati
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.v13i2.2874

Abstract

This study explores the concept of Dinar and Dirham, their use during the Prophet's era as mediums of exchange, evaluates their strengths and weaknesses, and analyzes their potential as international currencies to address currency crises and inflation. A qualitative method is employed in this study, involving the collection and analysis of data from various literary sources through a descriptive analysis approach. The research findings reveal that Dinar and Dirham, although adopted from Roman and Persian cultures, were chosen due to the robust stability provided by gold as the underlying value of Dinar. However, the use of Dinar and Dirham cannot directly serve as an alternative to address the economic problems caused by currencies. Limited gold supply and vulnerability to criminal misuse are key drawbacks of Dinar and Dirham. Moreover, economic issues and crises stem not only from currency problems but also from various other contributing factors. Nevertheless, the reintroduction of the concept of Dinar and Dirham as relevant currencies to address modern currency crises is still worth considering. With a clear understanding of their strengths and weaknesses, and careful management of related issues, Dinar and Dirham have the potential to help address today's global currency crises and inflation.

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