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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 173 Documents
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Blessings in Trade According to The Views of Banjar Traders in Palangka Raya City with An Anthropological and Religious Approaches Kurniawan, Rahmad; Rofiq , Aunur; Khusnudin
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1412

Abstract

Islam requires every mature individual to seek legal livelihood, one of which is through trade. However, some traders sometimes do not pay attention to the provisions of Islamic commercial transactions (muamalah). In this regard, there is an interesting phenomenon among some Banjar traders at the Pasar Besar in Palangka Raya. They emphasize more on the concept of "blessing" (barakah), so that trading (business) activities and worship are in balance. Each person and region understand "blessing" differently, both in terms of its meaning, causes, and benchmarks. This research examines the meaning of "blessing" according to the traders, as well as analyzing the anthropological aspects related to the trading practices oriented towards "blessing". This is a qualitative descriptive study with Banjar traders at the Pasar Besar in Palangka Raya as the research subjects. The findings show that the meaning of "blessing" in trading according to Banjar traders is the increase in goodness, abundance or increase in sustenance, beneficial for all, so that needs are met. "Blessing" is also interpreted as the achievement of pleasure, tranquility, peace, and comfort in life. The position of "blessing" in trading is very important, because the purpose of trading is to fulfill life's needs in accordance with Islamic sharia. Blessing will not be obtained if the provisions of Islamic business are ignored. Anthropologically, trading practices oriented towards "blessing" indicate a close relationship between economic activity and the belief system and religious values embraced by the Banjar trader community
Zakat Literacy Improvement in Indonesia: Analysing the Role and Strategy of Center for Strategic Study of the National Amil Zakat Agency (PUSKAS BAZNAS) Fatmawati, Fatmawati; Hakim, Rahmad; Hakim , Arif Luqman
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2024): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i1.1432

Abstract

This study aims to describe Puskas BAZNAS' Strategy in Improving Zakat Literacy in Society. The type of research used is qualitative with a case study approach. The data used are primary and secondary data. Primary data collection was obtained from interviews and documentation. While secondary data is in the form of magazines, journals and literature related to Zakat Literacy. This study uses the data validation technique of the triangulation model. The results of the study show that Puskas BAZNAS strategy is quite good and quite effective in increasing community zakat literacy. Evidenced by the significant increase in zakat literacy in society, namely basic understanding increased by 6.8 points, advanced understanding increased by 11.6 points and the average ILZ in 2022 was 8.48 points higher than in 2020 and is also in line with increased literacy community zakat, receipt of zakat funds has also increased from 2019-2022.
Suitability of Islamic Consumption Theory with the Concept of Decluttering as a Preventing Factor for Impulsive Buying Behavior Noviyanti, Ririn
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2024): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i1.1440

Abstract

This research aims to determine the suitability of Islamic consumption theory with the concept of decluttering as a factor preventing impulsive buying behavior in society. By using qualitative descriptive methods, researchers try to observe phenomena that occur in the field regarding impulsive buying and the implementation of decluttering activities that are currently being widely followed and then relate their suitability to the principles of consumption in Islam. The results of this research show that there is a compatibility between the theory of consumption in Islam and the concept of decluttering as a prevention of impulsive buying behavior in four indicators, namely indicators of meeting needs, usefulness, goals and financial management. Judging from the indicators of fulfillment of needs, both of them prioritize consideration of fulfilling needs first compared to fulfilling desires alone. From indicators of usefulness in consumption, Islam prioritizes blessings. In the concept of decluttering, the benefits that arise are a calm and peaceful life by not accumulating a lot of items and prioritizing using existing items according to needs. From the goal indicator, both have a goal of happiness. Islam, apart from seeking world happiness, must also pay attention to the happiness of the afterlife. From both financial management indicators, both of them are very concerned about financial income and expenses. So. finances are more disciplined and focused, but on the other hand, minimizing wastefulness and stinginess.
Factors Affecting Purchase Interest of Muslim Consumer on Online Platform Imari, Iqbal; Haryadi, Imam
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1495

Abstract

As the highest Muslim population in the world Indonesian has been reported contribute to millions of daily shopping transaction as majority of Muslim in Indonesia like any other groups in Indonesia are accessing online shop through internet and mobile apps. This study aimed to investigate the key factors that influence Muslim purchase interest on online platform in Indonesia. The method employs in this study are quantitative method with multiple regression analysis. To assess the validity of instruments pilot test has been conducted and to ensure the validity and reliability of the data, factor analysis using exploratory factor analysis and reliability test are utilized. Correlation test and collinearity test employed as well to ensure there are no mulitcollinearity issue in this study. Sample size in this study using Freedman et al., approach with data collection technique is simple random sampling. Based on the approach the sample size of this study is about 266. The data collected are about 300 yet the respondents that utilizing online shop are about 258. Hence, 258 data from respondents that are enable to analyze. The result shows that partially, price have a positive and significant effect on purchase interest as well as product quality show it positive and significant relationship with purchase interest. Simultaneously, both price and purchase interest have a significant relationship on Muslim purchase interest on online platform. Based on the R2 result, 48.3% of purchase interest variance are explained by price and product quality while the rest 51.7% are excluded from this study.
Cash Waqf According to the Views of Four Madzhabs (Study of the Book Al-Fiqh Al-Islami Wa Adillatuhu) Ulum, Bahrul
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1500

Abstract

As science and technology develop, so does a nation's economy, and so does the way in which Shari'ah is implemented for Muslims, including in the case of waqf. Previously, waqf was limited to the use of permanent objects such as land, buildings and so on, so now waqf is being introduced in the form of money. This situation is certainly a new breakthrough, which often gives rise to resistance among fiqh scholars. The aim of this research is to find out about the law of cash waqf from the perspective of four schools of thought according to the book of Islamic jurisprudence wa adillatuhu with the hope that it will provide more complete information about the law of cash waqf and bring peace to Muslims. The research method used is qualitative. This research approach uses descriptive analysis of primary data, namely the book of Islamic jurisprudence wa adillatuhu written by Syeh Wahbah Az-Zuhaili. The findings of this research conclude that waqf in the form of money is legal because waqf in the form of dinars and dirhams is permissible. Cash waqf is permissible because there are verses and hadiths that strengthen cash waqf. Moreover, with the increasing pace of civilisation, cash waqf is very easy to distribute, such as through bank transfers in remote areas. Most ulama in the millennial era agree that cash waqf is permissible and legal, provided the procedures are understood.
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.

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