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Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah
Published by Universitas Islam Kalimantan Muhammad Arsyad Al Banjari
ISSN : 24422282     EISSN : 26210274     DOI : -
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Al-Iqtishadiyah : Ekonomi Syariah dan Hukum Ekonomi Syariah, E-ISSN: 2621-0274; P-ISSN: 2442-2282, published by Islamic Economic Department and Islamic Economic Law Department of Universitas Islam Kalimantan Muhammad Arsyad al-Banjari Banjarmasin Indonesia. It is a peer-reviewed journal of Islamic Economic and Islamic Economic Law. The journal is published Biannually; June and December.
Arjuna Subject : -
Articles 125 Documents
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RISK MANAGEMENT IN SHARIA FINANCIAL TECHNOLOGY: Case Study of Peer to peer Lending Financing Model at PT Qazwa Mitra Hasanah Ardiansyah, Jefri; Mustofa, Mustofa
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 10, No 2 (2024): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v10i2.16895

Abstract

This study aims to analyze risk management in Sharia-based Peer-to-Peer (P2P) lending, with a case study on PT Qazwa Mitra Hasanah. Sharia fintech has grown rapidly as an alternative financing source, particularly for MSMEs, which often face challenges in accessing traditional financial institutions. However, like conventional fintech, Sharia fintech also faces various risks from both the lender and borrower sides. Therefore, it is essential to understand how this business model manages risks in alignment with Sharia principles. This study adopts a qualitative research method with descriptive analysis. Data were gathered from literature sources, such as ebooks, company publications, government reports, previous research data, and official sources like Qazwa.id. The study also includes a risk analysis covering operational, financial, and legal aspects. Findings indicate that PT Qazwa, in its Sharia-based P2P lending model, implements comprehensive risk management, including risk identification, mitigation of credit risk, operational risk, Sharia compliance, and liquidity management. Risk identification is carried out through strict e-KYC verification to secure the identities of both lenders and borrowers. Credit risk mitigation involves Sharia-compliant credit scoring, portfolio diversification, and financial management education for MSMEs, thus reducing the risk of default.
Factors Affecting Gold Pawn Customer Satisfaction in Palangkaraya Central Kalimantan Yurni, Yurni; Misra, Isra; Jelita, Jelita; Sadikin, Ali
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 10, No 2 (2024): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v10i2.15891

Abstract

The purpose of this research is to find out the factors that influence customer satisfaction such as the amount of fees and late fees for gold pawning customers at Pawnshops in the city of Palangka Raya. This research is ex post facto in which this study looks at the direct influence between the independent variable and the dependent variable. This study uses a quantitative approach with multiple linear regression. The research population was all 705 gold pawning customers with a sample of 225 customers, the sample was determined using the Slovin technique with a tolerance of 5%. Data analysis used multiple linear regression with t, F and R Square tests. The results showed that the amount of ujrah and late fines had a significant positive effect on the satisfaction of Pawn Pawn customers in Palangka Raya. This is evidenced that the calculated t value is much greater than t table (variables X 1 11.590> 1.969 and X 2 7.783> 1.969) and the calculated F value is greater than F table (98.255> 3.031). Then the contribution value of R Square is 0.438, where it can be seen that the contribution of the independent variable to the dependent variable is 43.8%.
Ta’widh in Non-Debt Banking Products: A Study on Islamic Banks in Indonesia Hidayat, Muhammad Rifqi; Mumtazah, Fitria
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 10, No 2 (2024): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v10i2.18550

Abstract

The purpose of this research is to examine the imposition of sanctions for customers on sharia term savings products, and to analyze them based on the 43rd fatwa of the National Sharia Council on Compensation (Ta'widh). This is a qualitative field research conducted to five Islamic banks in Indonesia, using inductive-interpretive analysis techniques. The data in this research the research are collected through interviews with the bank, direct observation to the bank, and study of documents through brochures and the bank's official website. The results of the research show that the five banks that are the subject of this research impose administrative fee sanctions for customers who close their accounts before the time period expires, and two of them also impose penalty fees for customers who are late in making deposits. This sanction arises if the customer breaches the contract, and because there are three banks of which suffer losses due to having to pay premiums for free insurance facilities for customers in the product. The costs of these two sanctions have been set by the bank since the beginning of the contract, and the bank will recognize it as profit. The results of the analysis show that only two of the ten provisions of the 43rd DSN fatwa were fulfilled by the five banks, and there were four provisions that the five banks could not fulfill. So we proposes that the sanctions for customers who delay deposits are set by the bank in the form of fines for social purposes as self-punishment, and that banks state clearly at the beginning of the contract that the free account closing fee only applies to customers who close their accounts according to the agreed time period only.
The Influence of Religious Knowledge and Farmers’ Economic Welfare on Cassava Selling Practices in Gadut Zulkarnain, Muhammad; Hendri, Novi; Wirman, Hardi Putra
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 2 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i2.21736

Abstract

This study aims to analyze how the dynamics of religious knowledge play a role in shaping the level of economic welfare of farmers involved in the practice of selling cassava without weighing in Nagari Gadut. This study uses a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) analysis technique as the main method to test the causal relationship between latent variables, namely Farmers' Religious Knowledge and Farmers' Economic Welfare in Cassava Sales Practices. The results show that construct X1 (Farmers' Religious Knowledge) is proven to have a significant negative effect on Y (Cassava Sales Practices), while X2 (Farmers' Economic Welfare) has a positive but insignificant effect. Although the model is quite good, it is still necessary to evaluate the high multicollinearity indicators and the addition of other variables to strengthen the model's explanatory power.
Concept and Implementation of Aqd Tabarru' in the Management of ZIS Funds at BAZNAS Kapuas Pamungkas, Danu; Hidayati, Tri
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 1 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i1.19585

Abstract

This study addressed the lack of specific research on the implementation of the tabarru’ contract in the management of ZIS (zakat, infak, and sadaqah) funds, particularly within zakat management institutions such as the National Zakat Agency (BAZNAS) of Kapuas Regency. The Aqd tabarru’, which was grounded in the principles of mutual assistance and non-commercial orientation, held significant potential as an effective Sharia-based framework for managing Islamic social funds. The objective of this research was to explore the concept and practical application of the Aqd tabarru’ at BAZNAS Kapuas, shifting the discussion from its practice in Islamic insurance to its relevance in zakat institutions. This study employs a qualitative descriptive method with a field research design, utilizing interviews, observations, and direct documentation at BAZNAS Kapuas. The findings reveal that the Aqd tabarru’ is implemented in the form of hibah (grant), whereby funds are distributed freely to beneficiaries (mustahik) through transparent and verified social programs. Although the main challenges lie in public zakat literacy and the accuracy of fund distribution, BAZNAS Kapuas addresses these issues through continuous education and the implementation of a Sharia-compliant verification system. This research affirms that the application of the tabarru’ contract in ZIS fund management is not only feasible but also relevant and effective in promoting Sharia-based social justice.
Legal Analysis of the Implementation of Collateral Takeover Without Auction in Decision No. 53/PDT.G/2025/PT PTK Rahman, Abdul; Kawakib, Kawakib
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 1 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i1.21175

Abstract

The purpose of this study is to emphasize the principle of prudence in banking contract practices, which is a fundamental principle in resolving problem loans, especially in the execution of collateral by creditors. This study discusses two main points: first, a theoretical review of the principle of prudence, default, agreements, mortgage law, and legal protection for debtors; second, a critical analysis of the legal considerations in Decision No. 53/Pdt.G/2025/PT PTK which authorizes the unilateral takeover of collateral objects by creditors without going through an auction procedure. This study uses a normative juridical method, with an approach to statutory regulations, legal doctrine, and decision studies. The results of the analysis show that the creditor's actions in taking over collateral without an independent appraisal and without an auction are contrary to the principle of prudence, the principle of justice, and consumer protection. The judge's decision in this case focuses too much on the formal legality of ownership and ignores the substantive process to protect the debtor's position as a weaker party in contractual relationships in banking.Tujuan dalam
The Influence Of Leadership And Compensation On Job Satisfaction From A Sharia Management Perspective Maleha, Nova Yanti; Purnamasari, Endah Dewi; Aravik, Havis
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 1 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i1.19943

Abstract

This study aims to examine the influence of leadership and compensation on employee job satisfaction at PT Jasa Armada Indonesia Tbk, Area IV Palembang, both partially and simultaneously, within the framework of Sharia management. A quantitative approach was employed using a descriptive-associative method, with a saturated sample of all 53 employees. Data were collected through Likert-scale questionnaires and preliminary interviews and analyzed using multiple linear regression with SPSS version 25. The findings indicate that both leadership and compensation have a significant and positive impact on job satisfaction, whether assessed individually or jointly. The coefficient of determination (R² = 0.810) suggests that 81% of the variance in job satisfaction is explained by these two variables, with compensation exerting a stronger influence than leadership. These results are consistent with the Path-Goal Theory, Equity Theory, and Herzberg’s Two-Factor Theory. From the perspective of Sharia management, trustworthy leadership and fair, transparent compensation embody the principles of maqashid sharia, which emphasize justice, employee welfare, and dignity. This study highlights the effectiveness of ethically and spiritually grounded human resource practices in enhancing job satisfaction and fostering organizational well-being.
The Effect of Sovereign Sukuk, DPK, BI Rate, and NIM on Islamic Bank Profitability in Indonesia Fikri, Shofa; Rahmawati, Anita; Afandi, Johan
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 1 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i1.18412

Abstract

This study aims to examine the influence of the issuance of Sovereign Sharia Securities (SBSN), Third-Party Funds (TPF), Bank Indonesia’s benchmark interest rate (BI Rate), and Net Return Margin on the profitability of Islamic banks in Indonesia. A quantitative approach is employed, utilizing statistical analysis to measure and test the relationships among variables objectively. The data used are secondary data obtained from the financial reports of Islamic banks and official publications from the Financial Services Authority (OJK), covering the period from 2017 to 2023. This time frame was chosen to provide a comprehensive overview of the trends and developments in the Islamic banking sector over the medium term. The findings reveal that all the variables studied SBSN, TPF, BI Rate, and Net Return Margin have a significant influence on the profitability of Islamic banks in Indonesia. These results highlight the importance of effectively managing these factors to enhance financial performance and competitiveness in a dynamic economic environment.
Bibliometric Analysis: Marginal Productivity and its Relevance Towards Modern Labor Wage Determination Setia, Nanda; Rozalinda, Rozalinda; Hendra, Testru
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 2 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i2.21564

Abstract

This study aims to analyze the development of scientific publications on Marginal Productivity and its relevance to determining modern labor wages during the period 2020 to 2025 using a bibliometric approach. Data was obtained from Scopus basic data by downloading article metadata in RIS and CSV formats, then processed using VOS viewer software with a minimum number of keywords of 5 out of 2,893 keywords, 207 of which met the threshold to produce three types of visualizations, namely network visualization, overlay visualization, and density visualization. The results showed that there were 558 publications related to the topic during the six years of observation with a downward trend from 113 articles in 2020 to 68articles in 2025. Network visualization revealed that "wage determination" was the main node that had the strongest connection with other themes, such as wage gap, labor policy, gender disparity, productivity, and macroeconomic dynamics. The network structure forms several thematic clusters reflecting research focuses, including wage inequality, human capital, labor productivity, monetary policy, and the impact of globalization on the labor market. Meanwhile, the overlay visualization shows a shift in research focus from macro issues, such as monetary policy and industrial structure in the early period, to more social and justice-based themes, such as gender inequality, minimum wages, and worker protection in more recent years. These findings demonstrate that the study of wage determination is developing in a multidisciplinary and dynamic manner, with a growing emphasis on inclusivity, social inequality, and evidence-based labor policy in the context of the modern economy
A FIQH MUAMALAH REVIEW ON THE UTILIZATION OF PAWNED GOODS BY CREDITORS Faisal, Farid; Putra, Panji Adam Agus
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 1 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i1.18215

Abstract

The utilization of pawned goods by creditors is a significant issue in the study of fiqh muamalah, particularly regarding the principles of justice and validity in Islamic economic transactions. This study aims to analyze the utilization of pawned goods by creditors from the perspective of fiqh muamalah and assess its compliance with Shariah principles. The research employs a literature review method with a descriptive-analytical approach, examining primary and secondary sources of Islamic law. The findings indicate that in fiqh muamalah, the utilization of pawned goods by creditors is permissible under the condition that the pawner (rahin) grants explicit permission and that the practice does not involve elements of riba or injustice. However, if the utilization occurs without consent or causes harm to the rahin, it contradicts the principle of justice in Islam. This study also highlights the importance of clear and transparent contracts between the parties involved to prevent potential disputes. The research concludes that the practice of utilizing pawned goods requires strict supervision to ensure Shariah compliance and to foster equitable and blessed economic transactions.

Page 12 of 13 | Total Record : 125

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