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Iqtishodia: Jurnal Ekonomi Syariah
Published by Universitas Al-Qolam
ISSN : 2503118X     EISSN : 25804669     DOI : -
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Iqtishodia: Jurnal Ekonomi Syariah is a scientific journal that serves as a means of developing intellectual lecturers and academics of Islamic economic activists.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
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Search results for , issue "Vol. 10 No. 1 (2025): March" : 7 Documents clear
Credit Growth in Indonesia: Comparison Between Government Banks and Private Banks Through the Chow Test Salmita, Dewi; Al Khazaleh, Salameh; Syamsu, Nur; A Rifai, Rachmawati
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 1 (2025): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i1.1547

Abstract

The aim of this research is to analyze the factors that influence credit growth in government banks and private banks consisting of NPL, CAR and BOPO. The sample for this research was 7 government banks and 26 private banks listed on the Indonesian stock exchange from 2014-2023. Data analysis in this study used multiple regression analysis and chow test. The results of the study show that NPLs have a significant negative influence on credit growth in both types of banks, with a stronger influence on government banks. CAR has a positive effect on credit growth at private banks, but does not have a significant effect at government banks. Meanwhile, BOPO has no effect on credit growth in both types of banks. This difference reflects different risk management strategies and credit policies between government and private banks, where government banks tend to be more conservative in credit expansion when NPLs increase, supported by the government's significant role in supporting capital stability.
Analizyng Ridha As a Mediator Within the BDI Model: A Study on Middle-Class Preferences for Muslim-Friendly Cafes Amir, Nur Buana; Razak, Syaparuddin; Jumarni, Jumarni
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 1 (2025): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i1.1632

Abstract

This study aims to analyze the impact of Muslim-friendly cafes on customer satisfaction using the BDI (Belief, Desire, Intention) model framework. The main focus is on how the concept of ridha (spiritual satisfaction) can be measured by customers visiting these cafes. A survey was conducted with 161 middle-class Muslim respondents in South Sulawesi using a Likert scale, and data were analyzed through Structural Equation Modeling (SEM) with SmartPLS 4. Results show that belief, desire, and intention significantly influence the decision to visit. Key factors enhancing satisfaction include halal product quality, good service, and a comfortable Islamic atmosphere. Worship facilities, like prayer rooms, also add value. Muslim-friendly cafes attract both Muslim and non-Muslim customers interested in quality. Religious and cultural factors play a crucial role in shaping Muslim consumer behavior. Marketing strategies incorporating BDI elements and spiritual satisfaction can boost visits and customer loyalty.
A Halal Lifestyle on Muslim Fashion Development In The Perspective of Satr Al-Awrah: The Analysis at Tamrin City Mall Jakarta bin Lahuri, Setiawan; Sutarman, Zhifanny Prafitasari; Zuhroh, Ainun Amalia
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 1 (2025): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i1.1696

Abstract

This research aims to examine the halal lifestyle changes in Muslim fashion sold in the mall, and the affects consumers' perception of halal products based on how the concept of ‘Satr Al-Awrah’ was implemented on muslim fashion product. Thamrin City Mall was chosen as the research location as the largest shopping centre for Muslim fashion in Indonesia. However, some transformations are considered to violate sharia principles, especially related to the provision of covering the awrah. The research method used is qualitative with a field study approach. This research collects data through in-depth interviews with producers, consumers and sellers of Muslim fashion clothing in Thamrin City mall, the analysis is carried out with reference to the concept of satr al-awrah as a basic principle in dressing according to sharia, which is studied in the context of market dynamics and modern culture. The results show that despite the aesthetic improvement and innovation in Muslim fashion at Thamrin City Mall, considered a problem, especially when modern designs prioritise visual appeal over religious observance. These results indicate that despite the challenges in maintaining the balance between fashion and religious values to maintain sharia principles of Muslim fashion in Indonesia. This research provides recommendations to manufacturers to create products that remain relevant in the global market while maintaining religious values. Also educating consumers about the importance of sharia-compliant Muslim fashion as part of the halal lifestyle.
Implementation of Maqashid Syariah on Cash Waqf Linked Sukuk Maulidia Alfian, Annisa; Syafitri, Helin; Permata Sari, Indah; Tiswarni, Tiswarni
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 1 (2025): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i1.1711

Abstract

This research aims to analyze the implementation of maqashid syariah in Cash Waqf Linked Sukuk (CWLS) and assess the alignment of the CWLS instrument towards public benefit. The theories used are the theory of waqf, cash waqf and maqashid syariah. This research is qualitative research with a literature review method. The research stages in order to analyze the implementation of maqashid syariah in CWLS are the preparation stage, literature collection, analysis and conclusion stages. The results of this research show that the concept and implementation of CWLS has implemented maqashid sharia both directly and indirectly. In hifzh ad-din, the implementation of CWLS has received a statement of sharia conformity by the DSN MUI. At hifzh an-nafs, CWLS investment proceeds have been allocated to hospitals which have served thousands of people to recover from their illnesses. At hifzh al-aql, one of the CWLS investment return fund allocations was given to the educational project funding program, so that it has facilitated many students to obtain knowledge and education. In the hifzh an-nasl concept, indirectly the implementation of CWLS has been allocated for long-term social and infrastructure projects so that the benefits can be felt by the next generation. Finally, in the hifzh al-mal concept, the implementation of CWLS has an economic value that provides returns on investment, this economic value can be enjoyed by mauquf alaih and other stakeholders.
Determinants of Intention to Purchase Ecologically Friendly Products According to the Theory Planned of Behavior (Study on Students of University of Darussalam Gontor) Rismana, Salsabila; Imari, Iqbal; Ramadhan , Mahendra Utama Cahya
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 1 (2025): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i1.1771

Abstract

The purpose of this research is to analyze the influence of attitudes, subjective norms, and perceived behavioral control with seven intrinsic factors that support the three variables, namely attractiveness, belief, parental support, peer support, family cultural background, self-desire, and self-confidence on students' intention in purchasing ecologically friendly products. The research method used is a quantitative method with data collection techniques using a questionnaire that contains a 5-point Likert scale. The research sample consists of 74 students from Universitas Darussalam Gontor Mantingan Campus 2. The data processing technique in this study was carried out using E-Views 12 software and analyzed using multiple linear regression techniques. The results of this study indicate that based on the analysis of the Theory of Planned Behavior (TPB) regarding students' intention in purchasing ecologically friendly products, there is a significant simultaneous effect. Partially, the six intrinsic factors, namely attractiveness, belief, parental support, peer support, family cultural background, and self-desire does not significantly influence the intention in purchasing ecologically friendly products. On the other hand, only self-confidence as an intrinsic factor of perceived behavioral control significantly influences the intention in purchasing ecologically friendly products.
The Influence of Digital Literacy, Security and Brand Image Through the Customer Interest of Using the Muamalat DIN Application (Case Study at Bank Muamalat Sub Branch Boyolali) Ardiyansyah, Muhammad; Abdullah, Agung
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 1 (2025): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i1.1776

Abstract

The aims of this study are to see whether or not digital literacy, security, and brand image are affected by customer interest in using Muamalat DIN. This research is based on the use of the Muamalat DIN application issued by Bank Muamalat which is few about only around 37% of all customers in a Sub Branch. This type of research is quantitative research with a SEM-PLS approach and the primary data is the data used in this study which was obtained from the distribution of questionnaires and online to customers of Bank Muamalat Sub Branch Boyolali. The sample of this study was taken using a simple random sampling technique and the Taro Yamane formula was used to calculate the number of samples used. The results of the study show that digital literacy does not have a significant effect on customer interest in using Muamalat DIN at Bank Muamalat Sub Branch Boyolali. Meanwhile, security and brand image have a significant effect on customer interest in using Muamalat DIN at Bank Muamalat Sub Branch Boyolali.
Millennial Generation Perceptions’ on Cash Waqf Donations (Case Study of the Millennial Generation at Malang Raya) Hakim, Rahmad; Hakim, Arif Lukman
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 1 (2025): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i1.1823

Abstract

This study explores the perceptions and attitudes of the Millennial generation toward cash waqf donations in Malang Raya, Indonesia. As a contemporary Islamic philanthropic instrument, cash waqf holds significant potential for economic empowerment and social development. However, its utilization among younger generations remains relatively underexplored. Using a mixed-method approach, this research combines quantitative survey data from 136 millennial respondents with qualitative insights gathered through in-depth interviews. The findings reveal a moderate level of awareness and understanding of cash waqf among Millennials, with digital accessibility, religious motivation, and perceived social impact serving as key influencing factors in their willingness to donate. Furthermore, trust in waqf institutions and the transparency of fund management emerged as critical components shaping their engagement. This study provides valuable insights for waqf institutions, policymakers, and Islamic financial developers to design targeted strategies that resonate with the values and digital behavior of the Millennial demographic.

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