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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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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.
Productive Zakat in Yusuf Qardha Community Economic Empowerment Through Productive Zakat in Yusuf Qardhawi's Fiqh Perspective Adib, Roisul
Iqtishodia: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2022): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v7i1.2062

Abstract

Zakat in Islam is the right of the poor that is found in some of the assets of people who are obliged to pay zakat. And zakat also in the era of the glory of Islam has proven to play a very important role in improving the welfare of the people and zakat is made as a responsibility for Muslims to help each other. Yusuf Qardhawi defines zakat as part of the wealth that has been determined by Allah SWT to be distributed to people who deserve to get it. The form of zakat in the form of money is categorized into two types, namely consumptive zakat and productive zakat, where the majority of Muslims mostly know about consumptive zakat and do not know about productive zakat which can last in the long term. From this background, the authors formulate the problems, among others: the view of productive zakat according to Fiqh Yusuf Qardhawi and community economic empowerment through productive zakat. As for getting maximum results, the type of research used is normative research, while the qualitative approach is in the form of a literature study which is intended to describe current or past phenomena and also to compare different opinions about the problems being studied. As a result, according to Yusuf Qardhawi, Zakat is a Maliyah Ijtimaiyah worship which can be interpreted as a social worship related to the benefit of the people. Yusuf Qardhawi gives two points, first, the role of zakat in overcoming economic problems in society and second, the management of zakat which can support success in zakat.
The Effect of Investment Portfolio on Investment Returns in Islamic Insurance Companies Aprilianto, Fitrian; Mahdi, Fadilla Muhammad
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 2 (2025): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i2.1521

Abstract

The importance of investment portfolios in Islamic insurance companies is fundamental to obtaining optimal returns. A well-diversified portfolio can help companies manage their risks and optimize their returns. By opting for appropriate investment instruments, the company can enhance liquidity, stability, and asset growth, which in turn will provide greater benefits to insurance participants. This study focuses on investment portfolio variables, given the important role of investment in Islamic insurance companies. Therefore, this study aims to determine the effect of deposit variables, Islamic stocks, corporate sukuk, State Sharia Securities (SBSN), Islamic mutual funds, direct investment, and other investments on the investment returns of Islamic insurance companies. This study uses a quantitative research approach; it uses the type of data, which is secondary data obtained from the Financial Services Authority (OJK), starting from January 2014-December 2022. The method of analysis used in this research is multiple linear regression analysis. The results showed that the variable deposits, Sharia stocks, corporate sukuk, Sharia mutual funds, direct participation, and other investments had a significant effect, while the SBSN variable was not significant.
The Influence of Sharia Commitment on Business Sustainability Among Interest-Free Communities in the Soloraya Region Subando, Joko; Syamsuddin, Syamsuddin; Nisa, Izzun Khoirun; Al Indisi, Muhammad Yahya Ayas; Hendoyo, Muhammad Fajar; Haqa, Muhammad Nazihul
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 2 (2025): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i2.1897

Abstract

This study aims to examine the influence of commitment to Sharia commands and prohibitions on financial growth and business sustainability among interest-free communities. The research focuses on the impact of commitment to Sharia commands and prohibitions on financial growth, strategic sustainability, and the sustainability of business organizational structures. A quantitative method with a survey design was used, involving a sample of 64 respondents in the Soloraya region. Data were collected through questionnaires and analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS software. The results show that commitment to Sharia commands has a positive and significant effect on financial growth, strategic sustainability, and organizational structure. Commitment to Sharia prohibitions also has a positive and significant effect on financial growth and structural sustainability, but not on strategic sustainability. Simultaneously, both types of Sharia commitment have a significant effect on overall business sustainability from financial, strategic, and structural aspects. These findings highlight the importance of comprehensive implementation of Sharia principles in maintaining sustainable business practices. This research provides a foundation for the development of Sharia business management and supportive policies for interest-free UMKM.
Fintech Ecosystem on Blockchain-Based Sukuk: Perspective of Al-Najjar's Maqāṣid Al-Shariah Concept Iman, Aldi Khusmufa Nur; Zustika, Anisa Fadilah; Maghfiroh, Lailatul; Wahdati, Anis
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 2 (2025): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i2.2086

Abstract

The Fourth Industrial Revolution has had a significant impact on financial technology, one of which is the emergence of blockchain technology as a tool for sukuk issuance. This study aims to analyze the fintech ecosystem in blockchain-based sukuk using the Maqāṣid al-najjar theory approach, which include: faith, humanity, self, mind, welfare, social entities, wealth, and the environment. This study uses a qualitative methodology with a literature study approach. The results of the study indicate that sukuk based on blockchain technology are in line with seven of the eight basic principles set out in the Maqāṣid al-najjar framework. technology such as smart contracts, transparency of blockchain technology, efficiency of sukuk issuance, and safe and globally supportive accessibility. such as an example of one of the values of faith through Sharia compliance, humanity through efficiency and reduction of issuance costs, and wealth through the distribution of assets carried out safely and transparently. However, the environmental dimension is still not met in these values, due to the high energy consumption of blockchain, which is contrary to the Maqāṣid al-najjar theory of preserving the environment. This study concludes that blockchain technology-based sukuk is very much in line with the basic principles of Maqāṣid Al Najjar, such as increasing the efficiency and accessibility of Islamic financial instruments. However, to fully fulfill the eight elements of Maqāṣid sharia initiated by al najjar, efforts are needed to address environmental problems and challenges through the development and innovation of energy-efficient blockchain technology or other sustainable solutions
Implementation of Fundraising Management at BAZNAS Hulu Sungai Tengah in Increasing ZIS Collection Rama , Rama; Rofi'i, Rofi'i; Zulkifli, Zulkifli; Aviva, Itsla Yunisva
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 2 (2025): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i2.2149

Abstract

Indonesia has significant zakat potential, yet actual collection remains far below expectations. In Hulu Sungai Tengah (HST) Regency, for example, zakat potential is estimated at IDR 3.1 trillion, while BAZNAS HST collected only IDR 3.09 billion in 2024. This study aims to analyze the implementation of fundraising management at BAZNAS HST using the POAC (Planning, Organizing, Actuating, Controlling) framework, identify the fundraising strategies applied, and evaluate their impact on zakat, infaq, and sadaqah (ZIS) collection. A descriptive qualitative method was employed, with data collected through in-depth interviews with BAZNAS HST officials, direct observations, and financial report documentation, and analyzed using Miles and Huberman’s interactive model. The findings show that BAZNAS HST applied structured planning (RKAT), organizing through decreed teams, innovative programs such as Blessed Friday and Baznas Corner, and routine evaluations, which together increased ZIS collection from IDR 790.98 million in 2022 to IDR 3.09 billion in 2024, with muzakki rising from 134 to 207. Nevertheless, this improvement was also influenced by external factors, including post-pandemic religious awareness, digital zakat trends, inflation, and government support. The study contributes theoretically by affirming both the relevance and limitations of POAC in zakat management, and practically by offering a replicable fundraising model adaptable to local contexts.
Legal Protection for Investors in Share Transactions with Repurchase Agreement Rights According to DSN-MUI Fatwa No. 94/DSN-MUI/IV/2014 Nursandi, Reza; Ardiansyah
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 2 (2025): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i2.2154

Abstract

The DSN-MUI Fatwa No. 94/DSN-MUI/IV/2014 serves as an Islamic legal guideline to ensure that REPO transactions are conducted based on valid, transparent, and fair contracts. This study aims to analyze the forms of legal protection for investors in stock transactions with REPO rights according to the fatwa and review its compliance with the capital market legal system in Indonesia. The research method used is normative juridical with a statutory approach and sharia fatwas. The results show that this fatwa provides strong legal protection for investors through the regulation of the contract structure, the prohibition of transfer of benefits during the REPO period, and dispute resolution provisions that comply with sharia principles. This protection is strengthened by the role of the Financial Services Authority (OJK) and the Sharia Supervisory Board in supervising and implementing sharia REPO transactions. Thus, this fatwa is an important instrument in realizing safe and just sharia capital market transactions.
Digital Transformation in Halal Product Marketing: A Maqasid al-Shariah Approach Author, Muhammad Nailul
Iqtishodia: Jurnal Ekonomi Syariah Vol. 10 No. 2 (2025): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v10i2.1908

Abstract

This study explores the digital transformation in halal product marketing through the lens of Maqasid al-Shariah, aiming to identify ethical and effective strategies aligned with Islamic values. Utilizing a qualitative approach and purposive sampling, five informants including one key informant from BAZNAS and four halal entrepreneurs from the SOHIB (Sobat Hidup Berkah) community were interviewed. The findings reveal that halal digital marketing practices uphold the five key principles of Maqasid al-Shariah: (1) Hifz al-Din is maintained through honest promotions and the avoidance of deceptive content; (2) Hifz al-Nafs is ensured by responsive customer service that fosters trust and consumer protection; (3) Hifz al-‘Aql is supported through educational content that enhances consumer awareness of halal benefits; (4) Hifz al-Nasl and (5) Hifz al-Mal are reflected in responsible, transparent pricing, ethical refund policies, and quality assurance for long-term business sustainability. This research proposes a conceptual model to guide halal entrepreneurs in developing digital marketing strategies that are both Sharia-compliant and competitive. The study contributes to the literature on Islamic marketing and offers practical insights for the halal industry in the digital era
Transformation of Rahn's Thought Development as Sharia Capital Business Suherli, Ian Rakhmawan
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.v9i1.1155

Abstract

This research writes about the transformation of the development of rahn (sharia pawn) thinking as a sharia capital business. Rahn or sharia pawn was originally seen as a tabarru' (social) contract to help, but developed into a tijarah (commercial) contract that had economic benefits. The writing explains the legal basis of rahn from the Quran, Hadith, fiqh rules, to the laws and fatwas of DSN MUI. The development of rahn thought is discussed from the time of Prophet Muhammad SAW, Khulafaur Rashidin, Abbasid, to contemporary times. It also explained the terms of pawn goods (marhun), the types of contracts in rahn, and the potential of rahn as an instrument of sharia financing today. In conclusion, rahn thought has undergone a transformation from tabarru' to tijarah. Rahn has the potential to become a profitable sharia capital business that is free from usury, in addition to the potential for new types of intangible goods as valuable and valuable goods that can be used as al marhuun (collateral).

Page 16 of 18 | Total Record : 173

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