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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 360 Documents
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Determinant Models of Sharia Financial Literacy Muslim Students in Indonesia: A Multidimensional Approach Sihotang, Mutiah Khaira; Hasanah, Uswah; Hayati, Isra
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.v13i2.2482

Abstract

The Sharia financial institutions in Indonesia, especially the city of Medan, are growing and continuing to compete with the existing conventional finance institutions. This should be combined with public knowledge of the sharia financial institutions. Therefore, there is a need for education toward the financial literature of sharia for the whole layer of society, from parents to children. This research aims to find out the determination factor of the financial literature of sharia in muslim  students in indonesia. The dependent variables used in this study are parent income, student learning achievements, information and religious sources with sharia financial literacy as independent variables. Sampling in this study uses purposive sampling. The population in this study was the muslim students who were in the Medan city, Indonesia. The study used a quantitative approach where primary data was obtained through the dissemination of the questionnaire, with the total sample of 180 people. The study was tested for validity and reliability. The data is then analyzed with double regression. All phases of testing and data analysis are carried out with the help of SPSS. The results of this study stated that the variable learning performance and information sources have a significant influence on the financial literacy of muslim students in the city of Medan, Indonesia. Income and religious variables do not affect student financial literacy. This is seen from the t-test with a significance value > 0.05.
Al-Qisth Based Agricultural Profit-Sharing in Syirkah Al-Mudharabah Syahidah Rahmah; Mallongi, Syahrir; Lutfi, Mukhtar; Abdullah, Muhammad Wahyuddin
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.v13i2.2485

Abstract

This study aims to examine the application of profit-sharing al-qisth-based agriculture in syirkah al-mudharabah in Bone Regency. This type of this study is qualitative descriptive using a phenomenological approach to describe the meaning of welfare for farmers through the implementation of a fair syirkah al-mudharabah contract with the stages of determining the scope of the phenomenon, compiling a list of questions, collecting data, clusters of meaning, describing the essence, and reporting. The source of data in this study is the owner farmer and land management farmers. Methods of data collection using the method observation, interview, documentation, and reference search. Then processing techniques and data analysis is carried out through three stages, namely data reduction, data presentation, and drawing conclusions.The results of this study indicate that the concept of agricultural profit sharing is practiced by farmers in Bone Regency, namely 1/2 if the seeds are borne by the owner or 1/3 if the seeds are borne by the manager. Share the results divided after spending the costs incurred during the contract ongoing, the profit sharing portion of bage dua and bage tellu has been considered fair by each party, this depends on how big the capital contribution is given, namely the party that contributes more capital, the greater the benefits to be gained. As a suggestion from this research, it is expected that the government or Islamic financial institutions can adopt this profit-sharing system as a model to facilitate more equitable agricultural financing and cooperation in rural areas.
Developing an Integrated Innovation Ecosystem to Strengthen Islamic Economy in Indonesia Sugeng Santoso; Ginanjar Dewandaru; Nugroho, Lucky; Hidayat, Sutan Emir; Salmi Mohd Isa; Hidayat, R Nur; Muhammad Ramadhani Marfatah
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.v13i2.2498

Abstract

This research attempts to develop an integrated innovation ecosystem of Islamic economy, which focuses on vocational education and training. We integrate the vocational education and training into the supply-demand-linkage of innovation ecosystem, within the key sectors of Islamic economy. We also refer to the underlying regulation which is the President Decree No. 68 Year 2022 about Revitalization of Vocational Education and Training. The sample of observations is the relevant stakeholders in the Province of East Java, that include industry players, government, and vocational education institutions. The key sectors of Islamic economy include the industry of halal processed F&B and pharmaceuticals, halal agriculture and fishery, as well as Muslim-friendly tourism and Islamic creative economy, which are selected based on their percentage of contribution to the overall regional GDP. We use both quantitative and qualitative approach, by deriving data and information from Focus Group Discussions (FGD) and questionnaires. Whereby, qualitative approach is used by conducting in-depth discussions and interviews with relevant stakeholders. The findings of this study show the strength and weakness for each of the supply-demand-linkage model, suggesting the policy direction in order to improve the productivity factors of human resources.
Culinary Product Quality on Purchasing Decisions and Consumer Satisfaction as Interverning Variables: The case of Gabus Pucung as a Halal culinary icon for the Betawi Ora community in Bekasi, Indonesia Untari, Dhian Tyas
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.v13i2.2512

Abstract

Bekasi is one of Jakarta's buffer zones where strong socio-cultural interactions occur. Culinary in a society is a reflection of the relationship between humans and humans individually, humans and society communally and human relations with their environment. One of the culinary delights that is very famous and in high demand is Gabus Pucung. With the high competition and business challenges of the Gabus Pucung culinary provider, this study aims to: 1) analyze whether there is an effect of product quality on consumer satisfaction, 2) whether there is an effect of consumer satisfaction on purchasing decisions and 3) whether there is an indirect effect of product quality through consumer satisfaction on purchasing decisions. Sampling uses a systematic sampling technique which is included in the category of non-probability sampling. Samples were taken of ± 30 people per district (12 districts), so that a total sample of 360 people was obtained as respondents in this study. The results of the study stated that the relatively high demand for Gabus Pucung culinary demanded marketers and culinary providers of Gabus Pucung to be able to continue to maintain product quality to increase consumer satisfaction, where this satisfaction has implications for returning decisions.
Organizational Identification and Job Performance: The Role of Organizational Commitment in Islamic Universities Syahrial, Hery; Rafiki, Ahmad; Tobing, Fitriani; Pananjung, Alfatih Gessan
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.v13i2.2540

Abstract

The current research examines the link that exists between Job Performance (JP), Organizational Commitment (OC), and Organizational Identification (OI) in the special setting of Islamic higher education institutions located in Medan City. Through the use of a rigorous quantitative framework—Covariance-based Structural Equation Modelling, or CB-SEM—150 personnel from several Islamic universities provided data that were carefully collected. The empirical results demonstrate a substantial positive association between OI and JP, with OC serving as a mediating variable that enhances the impact of OI on JP. These conclusions highlight the strategic necessity for institutions to foster robust organizational identification to improve employee performance. The study adds to the body of knowledge on organizational behavior by clarifying the little-known mediating function of OC in the OI-JP dynamic, especially in Islamic educational settings, which have not gotten much attention in previous research. This study posits that the cultivation of OI among employees is not merely advantageous but essential for bolstering institutional commitment and, by extension, performance. Given that this research is the first of its kind conducted in Islamic universities in Medan, it offers fresh scholarly perspectives and practical implications for both academia and institutional leaders, particularly in understanding the mechanisms through which OI influences organizational outcomes. The findings thus hold profound implications for future research and policy development in Islamic educational management, extending the discourse on organizational identification and performance into new and significant dimensions.
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.

Page 31 of 36 | Total Record : 360

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