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Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam
Published by Institut Agama Islam Negeri Kudus
ISSN : 25023993     EISSN : 19790724     DOI : http://dx.doi.org/10.21043/iqtishadia.v17i2
Core Subject : Economy,
Economics, Econometrics & Finance
IQTISHADIA, particularly focuses on the main problems in the development of the sciences of Islamic Economics and Business areas. It covers: Islamic Management Islamic Banking Islamic Microfinance Islamic Marketing Islamic Human Resources Islamic Finance Zakah ,Waqf and Poverty Alleviation Islamic Public Finance Islamic Monetary Islamic Economic Development Maqasid al-Sharia Institutional Economics Behavioural Economics and Finance Corporate Governance Risk Management Islamic law and Shariah issues in economics and Finance Securitization and Sukuk Islamic Capital Markets Insurance and Takaful Corporate Social Responsibility in Islam Other topics which related to this area.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 134 Documents
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Digitalization and Efficiency: Technology-based Service of Indonesia Sharia Commercial Banks Firsty Izzata Bella; M Fikri Himmawan
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.8983

Abstract

This study aims to assess the technology-based service effectiveness on bank profitability as well as to evaluate the efficiency and stability of Islamic Commercial Banks in Indonesia. The model was analyzed by using multiple linear regressions with generalized least square estimation technique and Data Envelopment Analysis (DEA) with data are gathered from Q1 2017 to Q2 2020. The exogenous variables included were Branchless Banking (BB), Third-party Funds (DPK), and Technology Service Quality (TSQ), with banking operational income (PENDOP) as endogenous variable. The DEA method analyses the VRS and CRS scale while using output orientation. Using the inputs of DPK, operational expenses, and total funding, with the outputs of operational earnings and total assets. The main finding suggests that DPK played as a dominant variable, following by TSQ and BB on bank operational income. Moreover, the results of the DEA models showed in four quadrants in each CRS and VRS model. Respectively, 1 and 5 banks are highly efficient and stable, 5 and 2 banks have high efficiency but low stability, 4 and 2 banks have low efficiency but high stability, 4 and 5 banks have low efficiency and stability in the CRS and VRS model.
Pricing the Equity-Based Financing of Mudharabah: Insights into its Drivers Nazhatul Majalis; Ratna Mulyany; Zata Hulwani Zuhri
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.9204

Abstract

This study investigates the factors that influence the pricing of mudharabah financing as offered by Islamic Banks in Indonesia. Specifically, this study examines whether the operational cost to operating income (BOPO), risk factor and spread significantly influences the pricing of mudharabah financing. This study uses a quantitative method based on secondary data derived from the Islamic banks' financial statements for the period of  2014-2018. Purposive sampling is utilized, with the total 9 Islamic Commercial Banks being the samples that meet the criteria, resulting in 45 units of analysis for five years observation. This study uncovers that all of the three independent variables affect the dependent variable simultaneously. From the partial results, only two variables that affect the pricing of mudharabah financing, i.e. risk factors and spread. Meanwhile BOPO was found to have no association with the pricing of mudharabah financing. This study implies that pricing of mudharabah financing may be largely dependent of the risk factors and spread rather than the consideration on the operational cost to the operational income.
Determinant Factor that Influence Muslim Consumers to Choosing Restaurant: The role of Halal, Expectation and Attributes Anton Bawono; Yudi Saputra
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.10989

Abstract

Research related to halal food is dominated by halal manufactured products compared to halal restaurants products. Halal is a matter that concerns every aspect of Muslim life including food, it is important to know the factors that affect the purchase of restaurant product, in this case a halal restaurant. This research tries to find determinants of purchasing restaurant food in Indonesia. The model provide time dimension-based. Data collection was carried out through 438 questionnaires for Indonesian Muslim respondents and only 420 questionnaires could be analyzed. This research found that the halal label is not a direct variable that can influence restaurant food purchases. Men and women have different preferences in buying restaurant food. The results of this study are expected to be able to encourage restaurant manufacturers to adopt halal certification to increase sales. This research focuses on looking for determinants of restaurant food purchases, with time dimension-based modeling.
The Role of Social Media in Promoting Indonesian Women’s Online Entrepreneurship: Prospects, Challenges and Strategies Sri Wahyuningsih; Muhamad Mustaqim
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.9483

Abstract

  Social media nowadays has been inevitably used by people in the world. It plays significant roles for human’s society including as the way of marketing and trading of products. The aim of this study was mainly to explore the prospects of using social media in driving and developing women’s entrepreneurship, its challenges and strategies. This present study anchored in a qualitative research. Data were garnered through semi-structured interviews to Indonesian women living in Kudus, Central Java, Indonesia running their online entrepreneurship as the additional job not the main ones. The results of the study revealed that the prospects of using social media cover it is beneficial for women’s entrepreneurship in improving sales and pursuing the innovation in their online business, it offers others to be reseller in a number of products and it allows the women to develop their online entrepreneurship. However, there are a number of challenges of using social media in online entrepreneurship including the emergence of negative comments and complaints about the products from costumers that will lead to decrease the reputation of business, poor connection of internet which may hinder a better business management, and the lack of knowledge about social media and team that can hinder these women entrepreneurs to handle their customers’ inquiries. Some strategies that need to be taken into account in online women’s entrepreneurship cover women entrepreneurs are supposed to upload new and up-to-date products, give best services to customers, collaborate with Shopee application (online shopping platform) in which they will get less risk in online business through its system and increase their innovation through online business class and trainings. The findings of the study offer an implication to the need of being innovative through the use of technology and social media in running online entrepreneurship particularly for women entrepreneurs since its flexibility and benefits as one of the ways to get additional income.
Full-Fledged VS Islamic Bank Windows: Which One Do Muslim Consumers Know Better and Prefer More? Nissa Ghulma Ratnasari; Sri Rahayu Hijrah Hati; Dony Abdul Chalid
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.9967

Abstract

The study aims to compare the knowledge of and preference for the Islamic banking window and the full-fledged Islamic bank among Muslim customers. Data were collected from 1171 banking clients. Data were analyzed using descriptive analysis. The results show most Muslim customers do not know the difference between the full-fledged Islamic bank and the Islamic banking window. Yet, most Muslim customers favor the full-fledged Islamic bank to the Islamic windows since it is perceived to be more sharia compliant. Thus, the study theoretically contributes to Muslim banking behavior literature by providing empirical evidence on customer knowledge and preference in choosing an Islamic bank. Besides, the study provides knowledge to both the Islamic bank windows and full-fledged Islamic bank on the Muslim customers' understanding of both channels' availability.
Contribution of National Sharia Council Fatwa of Indonesian Council of Ulama (DSN-MUI) in The Islamic Economic Development in Indonesia Abdurrohman Kasdi
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 11, No 1 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i1.3187

Abstract

This research aims to identify the contribution of fatwa (Islamic instructions of rules) from DSN-MUI in developing the theories and practices of the Islamic economics in Indonesia. The research method used is qualitative, which consists of 116 fatwa DSN-MUI as the main subjects of study. The collected data had been analyzed using content analysis method by creating inimitable and valid data inferences related to its context. The results show that DSN-MUI is the only institution mandated by the law to establish fatwa on Islamic economics and finance, and to provide the provisions of Islamic law toward the Islamic financial institutions in carrying out their activities. Since its establishment in 1998, the roles of DSN-MUI are enormous in laying the foundations of the development of Islamic economics in Indonesia. Until the end of 2017, DSN-MUI has issued 116 fatwa on Islamic economics and finances. Even, DSN-MUI has a very important and strategic role in developing and applying sharia values in the economic field. MUI's important and strategic roles are shown from its position as a pioneer in socialization, internalization, and triggering the Islamic economic growth in Indonesia. 
Developing The Sustainability Model of BMTs: Empirical Approach Widiyanto bin Mislan Cokrohadisumarto; Yuli Indah Sari; Yulinda Hardiana
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 13, No 1 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i1.6859

Abstract

Maintaining the sustainability of microfinance institutions such as BMT is a must because this financial institution is badly needed by the community who do not want to be involved with usury practices. Efforts to build sustainability with a variety of approaches, especially from a more Islamic management approach are needed. This study aims to build a model of sustainability in BMT based on growth in the financing, community support, fraud, Islamic human capital, and Islamic leadership. This research was conducted using a quantitative approach (multiple linear regression with stepwise methods) to get the best model by developing moderating variables. The number of samples used was 105 respondents collected from BMT spread across the Semarang and Pekalongan Residency, Central Java, Indonesia. Based on the results of the study, to build BMT sustainability requires financing growth, support from the community, and good Islamic human capital. An interesting finding is that fraud does not affect the sustainability of BMT, this is possible because the fraud that occurs is still in low intensity. Islamic leadership and Islamic human capital are also unable to moderate the influence of fraud on the sustainability of BMT.
Peran Bank Indonesia, Dewan Syariah Nasional, Badan Wakaf Indonesia dan Baznas dalam Pengembangan Produk Hukum Ekonomi Islam di Indonesia Bambang Iswanto
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 9, No 2 (2016): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v9i2.1738

Abstract

IMPLEMENTASI DAN PERAN CSR TERHADAP KEPERCAYAAN ANGGOTA BMT FASTABIQ PATI Fita Usria
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 7, No 2 (2014): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v7i2.1091

Abstract

Tulisan ini membahas tentang implementasi CSR di BMT Fastabiq Pati serta peranannya  terhadap  kepercayaan anggota. Dengan menggunakan pendekatan kualitatif, penelitian ini menggunakan teknik  pengumpulan  data dengan  observasi, wawancara  dan dokumentasi. Untuk mengetahui implementasi kegiatan “Corporate Social Responsibility   (CSR)”  yang  diselenggarakan  di BMT Fastabiq Pati, mulai dari alasan dan tujuan penyelenggaraanya, langkah-langkah,   pelaksanaan,  proses  evaluasi,  serta  peranan CSR terhadap kepercayaan anggota. Penelitian ini menghasilkan bahwa adanya pelaksanaan kegiatan CSR di BMT Fastabiq Pati sejalan dengan prinsip Triple Botton Line (TBL) serta berdampak positif dalam meningkatkan kepercayaan anggota.Kata Kunci: CSR , Kepercayaan,  BMT Fastabiq.THE IMPLEMENTATION AND ROLE OF CSR TOWARD MEMBER’S TRUST IN BMT FASTABIQ PATI This article discusses about the implementation of CSR in BMT Fastabiq Pati and its influence toward members’ trust. Using qualitative approach, this applied data collection methods of observation, interview, and documentation.   This  is also  to understand  its implementation, including  reasons, goals, steps, application,  evaluation  and the role of CSR. Result shows implementation  of CSR is inaccordance with the principles of Triple Bottoon Line (TBL) and has positive impact to the members.Keywords: CSR , Trust, Implementation.
Analisis Faktor-Faktor Sustainabilitas Lembaga Keuangan Mikro Syariah Muhammad Kamal Zubair
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 9, No 2 (2016): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v9i2.1728

Abstract

Tulisan ini membahas faktor-faktor yang menjadi penentu  keberlanjutan lembaga Baitul Mal wat Tamwil (BMT) sebagai Lembaga Keuangan Mikro Syariah (LKMS).  Model yang dibangun melalui penelitian ini menunjukan bahwa variabelvariabel penyusun faktor  eksternal, yaitu regulasi, pengawasan dan infrastruktur terbukti positif signifikan mempengaruhi sustainabilitas BMT, sedangkan variabel penyusun faktor internal, dari lima variabel yang diteliti, yaitu sumber daya manusia, manajemen, permodalan, jangkauan pasar dan inovasi produk, hanya dua variabel yang positif signifikan mempengaruhi sustainabilitas BMT, yaitu sumber daya manusia  dan permodalan.  Aspek-aspek tersebut dapat dijadikan sebagai tuntunan untuk meningkatkan kinerja BMT menuju  sustainabilitas lembaga keuangan mikro syariah. Hasil penelitian ini lebih lanjut dapat dimanfaatkan untuk merancang kebijakan-kebijakan yang diperlukan untuk mendorong pengembangan BMT sehingga secara luas dan berkelanjutan mampu menjangkau dan memberdayakan pelaku usaha mikro.  

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