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Contact Name
Early Ridho Kismawadi
Contact Email
Kismawadi@iainlangsa.ac.id
Phone
+6285276005811
Journal Mail Official
kismawadi@iainlangsa.ac.id
Editorial Address
Jl Meurandeh
Location
Kota langsa,
Aceh
INDONESIA
Ihtiyath : Jurnal Manajemen Keuangan Syariah
ISSN : -     EISSN : 25810219     DOI : https://doi.org/10.32505/ihtiyath.v7i1.5682
Ihtiyath : Jurnal Manajemen Keuangan Syariah was published by the Faculty of Economics and Islamic Business IAIN Langsa which aims to disseminate research results and ideas of academics and practitioners in the field of Islamic finance management. The topics in Ihtiyath Journal include sharia financial management, sharia marketing, sharia retail management, human resource management, operational management, strategy management, international business, small and medium scale businesses, entrepreneurship, and sharia tourism management and other themes that related to sharia financial management. Ihtiyath Journal is published since 2017 with a publishing period of 2 (two) times a year, namely September and Desember. And since 2021 Published Twice a year (June and December).
Articles 233 Documents
Pemetaan Penelitian Zakat Dan Keuangan Sosial Islam: Analisis Bibliometrik Muftahuddin Muftahuddin; Khairil Umuri; Aiyub Bin Ahmad
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol. 9 No. 2 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i2.12564

Abstract

Zakat dan keuangan sosial Islam memiliki peran strategis dalam mengurangi kesenjangan sosial dan memberdayakan kelompok ekonomi lemah melalui mekanisme distribusi kekayaan yang adil dan berkeadilan. Penelitian ini bertujuan untuk mengidentifikasi tren, perkembangan, serta arah penelitian sebelumnya terkait zakat dan keuangan sosial Islam melalui pendekatan bibliometrik. Penelitian dilakukan dengan metode kuantitatif menggunakan analisis bibliometrik. Data bibliografis diperoleh dari basis data scopus dengan bantuan perangkat lunak Publish or Perish, kemudian divisualisasikan serta dianalisis menggunakan VOSviewer. Hasil penelitian menunjukkan bahwa terdapat 30 artikel terindeks scopus dari tahun 2010-2024. Dalam rentang waktu tersebut, pada tahun 2022 terdapat peningkatan yang signifikan penelitian dengan topik zakat dan keuangan sosial Islam. Temuan ini memberikan wawasan penting bagi akademisi dan pemangku kebijakan untuk memperkuat ekosistem zakat dan keuangan sosial Islam melalui pendekatan ilmiah yang lebih banyak, kolaboratif dan terarah.
Integrating Justice and Riba-Free Principles in Islamic Financial Management Muliadi; Muhammad Maulana; Muhammad Yunizar; Havna; Rati Saktia Fitri; Hamzah Zainuri
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol. 9 No. 2 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i2.12957

Abstract

The Effect of Macroeconomic Variables on Mudharabah Deposits at Bank Muamalat Indonesia for the Period 2014–2024 Alfian Muhammad; Muhammad Amin; Khairatun Hisan; Khairun Nisa Rambe
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol. 9 No. 2 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i2.12966

Abstract

This study aims to analyze the effect of inflation, exchange rate, interest rate, and gross domestic product (GDP) on Mudharabah deposits at Bank Muamalat Indonesia during the period 2014–2024. Macroeconomic stability is a crucial factor influencing public investment decisions in Islamic banking products. This research employs a descriptive quantitative approach using secondary data, including quarterly financial reports of Bank Muamalat, inflation, exchange rate, and interest rate data from Bank Indonesia, as well as GDP data from the Central Bureau of Statistics. The analysis is conducted using multiple linear regression with EViews 12. The results indicate that simultaneously, inflation, exchange rate, interest rate, and GDP significantly affect Mudharabah deposits. Partially, inflation, exchange rate, and GDP have a positive effect, while the interest rate is not significant. These findings provide valuable insights for bank management in designing profit-sharing strategies and maintaining depositor confidence, as well as assisting regulators in formulating policies that are adaptive to macroeconomic conditions
The Concept of Wasathiyah in the Control of Wealth and Its Relevance to the Distribution of Wealth in the Thought of Yusuf al-Qaradawi Muhammad Yunizar; Muhammad Maulana; Muliadi; Rati Saktia Fitri; Havna
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol. 9 No. 2 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i2.12975

Abstract

Pengaruh literasi keuangan, sikap keuangan dan kontrol diri terhadap perilaku pengelolaan keuangan pada mahasiswa Rifka Kurnia Sari; Agustina Mutia
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol. 9 No. 2 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i2.13072

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, sikap keuangan dan kontrol diri terhadap perilaku pengelolaan keuangan pada mahasiswa. Perkembangan dan kemajuan finansial telah mempengaruhi seluruh negara termasuk Indonesia, yang berdampak pada perubahan perilaku keuangan masyarakat dalam memenuhi kebutuhannya. Penelitian ini menerapkan pendekatan deskriptif kuantitatif dengan pendekatan survei. Populasi dalam penelitian ini yaitu mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi. Sampel yang digunakan berjumlah 96 responden. Data primer diperoleh langsung melalui kuesioner yang disebarkan kepada 96 responden. Metode analisis yang digunakan yakni analisis SEM (Structural Equation Modeling) yang berbasis varians yaitu PLS (Partial Least Square) . Hasil penelitian menunjukkan jika variabel literasi keuangan dan kontrol diri berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan pada mahasiswa, sedangkan variabel sikap keuangan tidak berpengaruh positif namun tidak signifikan terhadap perilaku pengelolaan keuangan pada mahasiswa.
Peran Influencer Marketing Terhadap Minat Beli Konsumen Generasi Z di Indonesia Rati Saktia Fitri
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol. 9 No. 2 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i2.12969

Abstract

This study aims to identify the role of influencer marketing on the purchasing intentions of Generation Z (Gen Z) consumers in Indonesia and the most influential factors in shaping their purchasing decisions. Using a Systematic Literature Review (SLR) approach, this study analyzed various empirical studies relevant to the topic of influencer marketing and Gen Z consumer behavior. The results indicate that influencer marketing consistently shows a positive influence on Gen Z purchasing intention and purchasing decisions. The most dominant factors influencing purchasing decisions are brand image, product quality, influencer credibility, and marketing content. The mechanism of influence occurs through influencer credibility, the strength of reviews/ testimonials, and social interactions on digital platforms, with TikTok and Instagram being the most effective platforms. The findings indicate that non-celebrity influencers are more effective than celebrity influencers because they are perceived as more authentic and relatable. This study also identifies methodological limitations and substantive gaps in previous studies and provides practical implications for digital marketers and business practitioners in designing effective influencer marketing strategies to reach the Gen Z segment in Indonesia.
Implementasi Evaluasi Kinerja Karyawan Pada PT. Pegadaian Unit Pelayanan Cabang (UPC) PADANG Panjang Faisal Hadi; Dewi Manda Angraini; Rika Widianita; Santi Deswita
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol. 9 No. 2 (2025): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v9i2.14060

Abstract

This study aims to determine the implementation of employee performance evaluation at PT. Pegadaian Branch Service Unit (UPC) Padang Panjang. Performance evaluation is an important process in improving work effectiveness and ensuring the alignment between task implementation and the company's strategic objectives. This study focuses on five main aspects of performance evaluation, namely relevance, reliability, sensitivity, acceptability, and practicality. The research method used is qualitative research with a descriptive approach. Data were obtained through direct interviews with the management of PT. Pegadaian UPC Padang Panjang, observations of the performance evaluation process, and other supporting documentation. Data analysis was carried out through the stages of data reduction, data presentation. The results of the study indicate that the implementation of performance evaluation at PT. Pegadaian UPC Padang Panjang has been running well and effectively. The evaluation is relevant to the company's strategy, reliable because it is carried out transparently and trustworthy, sensitive in differentiating employee performance levels, acceptable because it is well received by all employees without causing conflict, and practical because it is carried out simply, efficiently, and easily understood. Performance evaluation also has a positive impact on increasing employee motivation, productivity, and work quality. Thus, it can be concluded that the performance evaluation system implemented by PT. Pegadaian UPC Padang Panjang has played a significant role in improving organizational effectiveness and supporting the sustainable achievement of the company's strategic goals.
Promotional Strategies for Enhancing Awareness and Acceptance of Waqf Takaful in Indonesia: A Literature-Based Study Nur Kumalahayati; Norizan Remli; Rafiza Zuliani
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol. 10 No. 1 (2026): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v10i1.14074

Abstract

Waqf Takaful is a unique financial instrument within the Islamic economic system that combines the concepts of takaful (Islamic insurance) and waqf (endowment). Despite its great potential to enhance social welfare, awareness and participation in waqf takaful in Indonesia remain low. The main issue of this study concerns the effectiveness of promotional efforts in increasing public awareness and acceptance of waqf takaful among Indonesian society. A substantial gap exists between the potential and the realization of cash waqf in the country. The objective of this study is to measure the effectiveness of promotional strategies used to introduce waqf takaful and to analyze how these strategies influence public knowledge and awareness. This study adopts a qualitative approach, involving an in-depth analysis of promotional strategies implemented by waqf takaful institutions. Data were collected through literature review, interviews, and document analysis. The main findings reveal that effective promotion plays a critical role in enhancing awareness and acceptance of waqf takaful. The use of digital technology, financial innovation, and project-based approaches were found to improve promotional effectiveness. This research contributes to a deeper understanding of the role of promotion in marketing waqf takaful products. It also provides guidance for Islamic financial institutions to refine their promotional strategies and enhance public awareness and participation in waqf takaful.  
Ethical–Shariah Commitment and Business Growth: A PLS-SEM Analysis of The Interest-Free Economic Community in Soloraya Joko Subando; Syamsudin; Izzun Khoirun Nisa; Sulistyowati; Sumadi; Aunurrahim
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol. 10 No. 1 (2026): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v10i1.14086

Abstract

This study aims to analyze the influence of Ethical and Shariah Commitment on Service and Transaction Ethics, Social Commitment and Business Relationships, Financial Growth, Structural Growth, and Strategic Growth. The research focuses on the interest-free economic community in the Soloraya region, which actively applies Islamic economic principles in its business activities. A quantitative approach was employed using a survey design, involving 64 purposively selected business actors. Data were collected through structured questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS software. The analysis included both measurement model and structural model evaluations to assess construct validity and the strength of relationships among variables. The findings reveal that Ethical and Shariah Commitment has a positive and significant impact on Service and Transaction Ethics, Social Commitment and Business Relationships, and Structural Growth. However, it exerts a negative and significant effect on Financial Growth and Strategic Growth. Meanwhile, Social Commitment and Business Relationships emerged as the most influential construct, positively affecting both Strategic and Financial Growth, but negatively influencing Structural Growth. Furthermore, Strategic Growth plays a key mediating role in enhancing Structural Growth. This study concludes that while ethical and Shariah compliance strengthens integrity, social trust, and institutional stability, it may also limit financial and strategic flexibility if applied rigidly. Therefore, it recommends the development of adaptive and innovative Shariah-based business models that integrate Islamic ethical values with strategic agility and institutional transformation. Strengthening organizational capacity through digital transformation, institutional governance, and value-driven strategies is essential to ensure that Islamic ethical commitments function not as constraints, but as a competitive advantage in achieving sustainable business growth
The Role of Green Zakat and Infaq Funds to Sustainability Coastal Environment Wiwit Widhi Setiyawan; Arimbi Putri Kinanti; Herman Kurniawan; Sunardi; Rofiq Nurhadi; Nif’an Nazudi
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol. 10 No. 1 (2026): Ihtiyath : Jurnal Manajemen Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v10i1.14507

Abstract

This study aims to conduct an in-depth and contextual exploration of the utilization of zakat and infaq funds to support environmental sustainability initiatives in coastal areas. The study employs a qualitative approach. Both primary and secondary data were utilized and cross-analysed to ensure the validity and robustness of the research findings. The findings reveal that, in its effort to contribute to Sustainable Development Goal 14 (SDG 14), Lazismu Purworejo has mobilised green zakat and infaq funds from the community to promote environmental sustainability through the planting of coastal pine (Casuarina Equisetifolia) trees along the coastal area of Keburuhan Beach. The programme has generated several significant benefits, including improving the air quality index, increasing land cover in coastal regions, fostering public awareness and environmental stewardship, and ensuring the income stability of coastal communities. The implementation of this initiative has been carried out in collaboration with relevant government institutions and other strategic partner organisations.