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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 5 Documents
 1 
Search results for , issue "Vol. 11 No. 1 (2026): March" : 5 Documents clear
Big Data Analytics and Open Banking: A New Paradigm for Shariah-Compliant Financial Ecosystems Adriani, Siti Kamiliyah; Mustofa , Mustofa
Iqtishodia: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v11i1.2232

Abstract

The rapid growth of financial technologies has given rise to new paradigms in the banking sector, with Open Banking and Big Data Analytics emerging as key drivers of innovation. This paper explores how these technologies can reshape the Shariah-compliant financial ecosystem, offering new opportunities for enhancing transparency, efficiency, and customer engagement. Methodologically, this study employs a qualitative approach based on a systematic literature review to examine relevant secondary data. Open Banking, which enables secure sharing of financial data between institutions, combined with Big Data Analytics, offers powerful tools for optimizing financial services, improving risk management, and ensuring Shariah compliance. By analyzing the intersection of these two technologies within Islamic finance, this study highlights their potential to enhance operational effectiveness while adhering to Shariah principles. The research discusses the challenges and opportunities presented by this integration, including issues of data privacy, regulatory compliance, and the need for Shariah governance. Ultimately, this paper aims to provide a framework for understanding how Big Data and Open Banking can work together to foster more inclusive, efficient, and innovative Shariah-compliant financial ecosystems.
Analysis of Early Warning System (EWS) and Risk-Based Capital (RBC) on the Financial Performance of Sharia Insurance Companies Darojad, Rofi Atun; Muharrami, Rais Sani
Iqtishodia: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v11i1.2385

Abstract

Maintaining financial performance and public trust is a difficulty for the Islamic insurance sector, especially in light of many company default situations. When evaluating how well Islamic insurance businesses manage tabarru' funds, underwriting surplus is a crucial metric. The purpose of this study is to examine the impact of Risk-Based Capital (RBC) and the Early Warning System (EWS), as represented by the claim expense, retention, and asset liquidity ratios, on the underwriting surplus of Islamic general insurance companies that are registered with the Indonesian Islamic Insurance Association (AASI) for the years 2022–2024. Quarterly data from six Islamic general insurance businesses, three full-fledged general insurance companies and three Islamic unit insurance companies. The study employs a quantitative methodology. The study's findings show that underwriting surplus is unaffected by the retention ratio or the claim expense ratio. On the other hand, underwriting excess is influenced by the asset liquidity ratio and Risk-Based Capital (RBC). All factors have a substantial impact on underwriting surplus at the same time.
The Role of Islamic Microfinance Institutions in Supporting MSME Digital Transformation in Indonesia Sari, Lili Puspita; Saharuddin, Desmadi; Said, Muhammad
Iqtishodia: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v11i1.2362

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in Indonesia’s economy by contributing significantly to employment and national economic growth. However, many MSMEs still face structural challenges, particularly limited access to financing and low digital readiness. In the era of digital economy expansion, Islamic microfinance institutions have the potential to support MSME digital transformation through inclusive and Sharia-compliant financial services. This study aims to analyze the role of Islamic microfinance institutions in supporting the digitalization of MSMEs in Indonesia.  This research employs a descriptive qualitative approach using a literature review method. Data were collected from academic journals, government reports, and policy documents sourced from databases such as Google Scholar and national journal repositories. The selected literature was analyzed using content analysis through data reduction, categorization, and thematic interpretation. The findings show that Islamic microfinance institutions contribute to MSME digitalization by expanding access to Sharia-compliant financing, providing business mentoring, and improving managerial and digital capacities of MSME actors. However, challenges remain, including limited capital, low digital literacy, and technological constraints. Islamic microfinance institutions play a strategic role in supporting inclusive and sustainable MSME digitalization in Indonesia.
Umroh Advance Funds in the View of Sharia Economic Law: Study on the Syakira Tour Hajj & Umrah travel in Bekasi City Mauludi , Fikri; Hakim, Rahmad; Hakim, Arif Luqman; Sarif , Akbar
Iqtishodia: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v11i1.2491

Abstract

Syakira Tour & Travel is a travel agency that provides Umrah and Hajj travel agencies in Bekasi City. Implementation of the Umrah bailout program at Syakira tour & travel to make it easier for prospective pilgrims who want to carry out the Umrah pilgrimage quickly. This research focuses on describing how Syakira Tour implements the Umrah Bailout Fund program for prospective pilgrims. The research method used is a qualitative method with a descriptive type, using interview techniques, observation and documentation. Determining the subject is based on who knows the information needed by the researcher. And the data analysis used uses data reduction models, data presentation and conclusions. The research location is at the Travel Hajj & Umrah Syakira Tour Bekasi. In this research, data analysis uses the interactive analysis model of Miles, Huberman & Saldana. The results of the research conclude that Umrah funding is permissible in view of sharia economic law, as long as prospective pilgrims fulfill the conditions that have been set, such as having good character, good managerial skills, and stable economic conditions. Practice of Umrah funding at PT. Syakira Asfarina Bekasi City was carried out by Amitra (a sharia bank) purchasing Umrah packages in cash from Travel. Prospective pilgrims can go to the travel agency or financing agency first. Regarding the fulfillment of the conditions for obtaining bailout funds is the decision of the financing party.
A Vector Error Correction Model (VECM) Investigation on Islamic Monetary Policy on Indonesia’s Economic Growth Harsoyo, Nusa Dewa; Novita, Fitri; Suminto, Ahmad; Aisia, Galih
Iqtishodia: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v11i1.2390

Abstract

Sharia monetary policy is regulated to increase effectiveness in responding to economic developments, particularly in the monetary sector. Indonesia, as a country that implements a dual monetary system, plays a role in balancing the mechanisms of monetary operations and their impact on national economic development. The purpose of this study is to examine the impact of Islamic monetary policy on Indonesia's economic growth from 2020 to 2024. This research uses a quantitative approach with Vector Error Correction Model (VECM) analysis estimation model with the Gross Domestic Product (GDP) as the dependent variable. Sharia Open Market Operation (OPTS), Sharia Indonesian Bank Deposit Facilities (FASBIS) and Sharia Open Market Operation (PUAS) of Islamic monetary policy as independent variables. The results of this study show that the variables that influence GDP are OPTS which is significantly negative and FASBIS which is significantly positive in the long term, while all variables have no effect in the short term. Further research on this topic is recommended to extend the observation period and use other analysis techniques to overcome the limitations of this study in terms of sensitivity to data volume and lag. This study contributes to Islamic monetary economics by showing that Islamic monetary instruments have stronger long-term than short-term effects on economic growth. FASBIS and Sharia Open Market Operations significantly influence GDP, while PUAS has limited impact. Practically, the findings support Bank Indonesia and Islamic banks in optimizing liquidity management and strengthening Islamic monetary policy effectiveness for sustainable economic growth.

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