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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 8 Documents
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Search results for , issue "Vol 17, No 1 (2024): IQTISHADIA" : 8 Documents clear
The Effect of Materialism and Hedonic Shopping Toward Impulse Buying of Muslim Consumer: A Moderating Role of Religiosity Rusanti, Ega; Yuningsih M., A. Alfira; Kamil, Muhammad Ahsan
IQTISHADIA Vol 17, No 1 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i1.25197

Abstract

This paper aims to explore the extent to which matrealism and hedonic shopping behavior encourage Muslim consumers to make impulse purchases with the role of religiosity as a moderating variable. Convenience sampling was used to collect primary data from 150 general public and structural partial least squares modeling (PLS-SEM) was used to analyze the data. The study find that materialism has a positive and significant effect on impulse buying of Muslim consumers, hedonic has a positive and significant effect on impulse buying of Muslim consumers, religiosity has a negative and insignificant effect on impulse buying of Muslim consumers, while religiosity does not moderate the relationship between materialism and hedonic behavior on impulse buying in Muslim consumers. This research is limited to random respondents with a very small sample. Hence, further research is expected to be able to select a more purposive sample and use other variables that have not been explored more deeply in this study. This paper provides to the renewal of literature on aspects that encourage impulsive buying behavior, namely hedonic shopping and materialism and religiosity which also plays a role in moderating consumers in suppressing impulsive buying decisions of Muslim consumers in Indonesia.
Reconstructing the Character of Mudharabah Syariah in the Formation of Limited Liability Companies In Indonesia, Brunei Darussalam, and Malaysia Martoyo, Martoyo; Safira, Martha Eri; Sa’adah, Sri Lumatus; bin Haji Matali, Azme; Khasanah, Uswatul
IQTISHADIA Vol 17, No 1 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i1.25375

Abstract

The background of this research is that the forms of business entities in Indonesia, Brunei Darussalam, and Malaysia still don’t accommodate a company system based on the provisions of Islamic law, but still rely on agreements underlying the parties in business activities that revolve around a particular product. The integration of Sharia principles in the contract to establish a business entity shows superior values that can be used as guidelines for company management based on Sharia principles in Indonesia, Brunei Darussalam, and Malaysia. This research aims to find the characteristics of Syirkah Mudharabah contracts which can be used as a form of developing cooperation in agreements to establish limited liability companies. This paper uses normative research methods with a statutory and conceptual approach. The results of this research show that the characteristics of the Syirkah Mudharabah contract in establishing a limited liability company include 4 (four) things, namely the legal subject or position of the parties in establishing the limited liability company, business capital managed, distribution of profits and losses from collaboration results, and responsibility limited capital owners. This research contributes new findings related to the contracts used in establishing limited liability companies to make them more effective and in line with current Sharia business conditions.
The Effects of Islamic Financial Literacy, Lifestyle and Self-Control on Intention to Use Online Loans: an Extended TAM Approach Khasanah, Miftakhul; Aulia, Nuraini Intan
IQTISHADIA Vol 17, No 1 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i1.26646

Abstract

This research aims to investigate the relationship between lifestyle, self-control, Islamic financial literacy, and intention to use online loans. This research uses quantitative research methods with an exploratory approach. The population in this study were Indonesian citizens aged 17 to 55 years. The number of samples used in this research was 403 respondents. The data collection technique used was distributing questionnaires via Google Form. The research results were analyzed using Smart PLS 3. Attitude is only able to mediate between lifestyle and intention to use online loans, but is not able to mediate the variables of Islamic financial literacy and self-control. However, attitude is the biggest variable that can influence the intention to use online loans. Meanwhile, the intention to use online loans is influenced by Islamic financial literacy, lifestyle, self-control and attitude by 79.9%. Meanwhile, 20.1% was influenced by other factors outside this research model.
Fostering Cultural Harmony: Economic Empowerment of Ethnic Chinese within the Minangkabau Philosophical Framework in Padang City Cahya, Bayu Tri; Sukardi, Agung Slamet; Andriasari, Widi Savitri; Atieq, Muhammad Qoes; Ali, Nor Aishah Mohd
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 17, No 1 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i1.29021

Abstract

This study explores the intersection of cultural beliefs and spatial dynamics shaping the economic activities of the ethnic Chinese community in Padang City, focusing on their empowerment through Minangkabau traditional philosophy. The research highlights how cultural values deeply influence identity, social interactions, and economic opportunities within a pluralistic society. A qualitative ethnographic approach was used to gather insights from key community members, including Minangkabau and non-Minangkabau residents, as well as the Tungku Tigo Sajarangan, which consists of ninik mamak (tribal leaders), alim ulama (religious scholars), and cadiak pandai (intellectuals). Interviews centered on cultural and economic integration, exploring how traditional Minangkabau norms intersect with ethnic Chinese values. The research reveals that the Minangkabau traditional philosophy fosters an environment of coexistence, allowing the ethnic Chinese community to practice their cultural traditions without violating the overarching norms of "Adat Basandi Syarak, Syarak Basandi Kitabullah”. This cultural harmony supports economic engagement while respecting Confucian principles, which coexist with Minangkabau values. This study broadens the discourse on multiculturalism and economic interactions by highlighting how Minangkabau and Confucian values coexist within a shared economic and cultural space. The research provides new insights into the role of traditional philosophy in fostering economic inclusivity.
Improving Sustainable Competitive Advantage through Knowledge of Sharia Banking in a Spiritual Well-Being Nurcahyo, Satria Avianda; Nurani, Bulan Karima; Thoha, Anis Malik; Jayanti, Fitri Dwi
IQTISHADIA Vol 17, No 1 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i1.26460

Abstract

This research aims to analyze the influence of Knowledge of Sharia Banking, Spiritual Well-Being, and Sharia Compliance on Sustainable Competitive Advantage among employees of PT Bank Syariah Indonesia Tbk. The research respondents were employees of PT Bank Syariah Indonesia Tbk in Semarang Residency and Salatiga City, which had a total of 250 people, consisting of 145 male employees and 105 female employees. The sampling technique employed was a census involving direct sampling of the entire population, resulting in 250 responses. The results of empirical testing in this research show that the overall hypothesis is accepted, and Spiritual Well-Being is proven to mediate each relationship between Knowledge of Sharia Banking with Sharia Compliance and Sustainable Competitive Advantage. Even though it has been proven to mediate between the two, the most significant mediating influence of Spiritual Well-Being is between Knowledge of Sharia Banking and Sustainable Competitive Advantage.
How Islamic Securities Crowdfunding Platforms Attract Prospective Investors to SMEs: Insights from Indonesia
IQTISHADIA Vol 17, No 1 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i1.29828

Abstract

This study aims to explore the extent to which outbound Islamic brands encourage Muslim and non-Muslim investors to invest in Islamic FinTech securities crowdfunding (SCF) with perceived trust as a mediating variable. This study includes the results of an online survey of two hundred and twenty-five investors. Partial Least Squares-Structural Equation Modeling (PLS-SEM) analysis was employed to test the statistical hypothesis. This study shows that outbound Islamic brands are the main drivers for Muslim and non-Muslim investors to invest in Islamic securities crowdfunding platforms using smartphones, and brands that are perceived well by investors can also increase trust in SCF. On the other hand, The mediating effect of perceived trust is proven to have a significant impact on investment interest; thus, this finding provides in-depth insights for investors regarding effective investment strategies and encourages them to have more confidence in the potential of the FinTech market.
Trend and Trajectory of Islamic Finance for Sustainable Development Planning
IQTISHADIA Vol 17, No 1 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i1.29852

Abstract

This study investigates the role of Islamic Wealth Management (IWM) and sharia financial planning in achieving sustainable development through bibliometric analysis. The research utilizes data from academic databases, focusing on publications from 2020-2024, and employs VOSviewer to visualize trends and relationships among key concepts. The literature review includes critical themes, including the integration of fintech and blockchain technologies with Islamic finance to enhance transparency, financial inclusion, and sustainability. Findings highlight the significant potential of Islamic financial instruments, such as zakat, waqf, and green sukuk, in addressing global challenges like poverty alleviation and environmental protection, aligning with the Sustainable Development Goals (SDGs) and maqasid al-sharia. However, challenges persist, including regulatory gaps, the complexity of financial products, and the need for robust sharia governance frameworks. This study underscores the transformative potential of digital innovations in Islamic finance to create inclusive and ethical financial systems while emphasizing the necessity of regulatory and institutional support for broader implementation.
Determinants of Intention to Use QRIS as a Transaction Tool for Mobile Banking Users of Islamic Banking
IQTISHADIA Vol 17, No 1 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i1.23691

Abstract

This study aims to analyze the determinants of intention to use the Quick Response Code Indonesian Standard (QRIS) on mobile banking users of Islamic banking by integrating the religiosity variable as a moderator in the Unified Theory of Acceptance and Use of Technology 3 (UTAUT3) model to predict user intentions and behavior. UTAUT3 consists of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habits, and personal innovativeness as determinants of intention and behavior using QRIS mobile banking. A total of 255 respondents were selected as samples using the purposive sampling method. This study uses a quantitative approach with SEM-PLS (Structural Equation Modeling - Partial Least Squares) analysis using SmartPLS software version 3.0. Empirical results show that social influence, facilitating conditions, price value, habits, and personal innovativeness significantly positively affect behavioral intention to use QRIS mobile banking in Islamic banking. Conversely, performance expectancy, effort expectancy, and hedonic motivation do not have a significant effect on this intention. In addition, behavioral intention, habits, and personal innovativeness are proven to have a significant positive influence on the actual behavior of using QRIS mobile banking in Islamic banking. However, facilitating conditions do not have a significant effect on usage behavior. Religiosity as a moderating variable is unable to moderate the relationship between behavioral intention and actual behavior of using QRIS. The implications of this study are to provide insight for the Islamic banking industry to develop marketing strategies based on social values and personal innovativeness and to facilitate users with conditions that support QRIS adoption. This study also contributes to developing consumer behavior theory through a more comprehensive integration of UTAUT3 in the context of Islamic banking.

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