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Husnurrosyidah
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iqtishadia@iainkudus.ac.id
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Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus Alamat: Jl. Conge Ngembalrejo PO BOX 51
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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 4 Documents
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Search results for , issue "Vol 18, No 1 (2025): IQTISHADIA" : 4 Documents clear
Islamic Microfinance and Digital Literacy Driving MSME Growth: Innovation as Mediator and Competition as Moderator in Shariah Economic Context
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 18, No 1 (2025): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v18i1.32541

Abstract

This study investigates the impact of Islamic microfinance and digital literacy on the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, grounded in the principles of maqāṣid al-sharīʿah. Using Partial Least Squares Structural Equation Modeling (PLS-SEM) on a sample of 100 MSMEs, the study examines both direct and indirect effects through business innovation, with market competition as a moderating variable. The findings reveal that Islamic microfinance and digital literacy significantly promote MSME growth, while business innovation is a key mediating mechanism. Interestingly, the moderating effect of market competition on innovation is negative, suggesting that excessive rivalry may inhibit innovation outcomes. This result is interpreted through both Islamic principles, such as maslahah, musābaqah, and ijtihād, and conventional theories of competition and innovation. The integration of ethical constructs like akhlāq al-raqāmiyyah and sharia-compliant financing (e.g., muḍārabah, mushārakah) demonstrates how spiritual and strategic dimensions interact in entrepreneurial growth. The study contributes to Islamic entrepreneurship theory by formalizing ethical digital literacy and Islamic competition as empirical constructs. It offers practical insights for Islamic financial institutions and policymakers while supporting the Sustainable Development Goals, particularly Goal 8 on inclusive economic growth.
The Influence of Fintech P2P Lending on Islamic Bank Financing
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 18, No 1 (2025): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v18i1.31352

Abstract

The rise of financial technology (fintech) has disrupted traditional banking systems, introducing both challenges and opportunities. While fintech financing has resulted in a substitution effect that diminishes banking value, it also complements the banking sector by leveraging technology to improve financial services. This study investigates the impact of fintech peer-to-peer (P2P) on Islamic banking financing and examines the role of financial inclusion in moderating this relationship. Using panel data regression across Indonesian regions from 2021 to 2023 with a fixed-effects model, the findings reveal that fintech P2P lending, bank assets, and bank deposits positively and significantly influence Islamic bank financing. However, financial inclusion and its interaction with fintech P2P lending exhibit a negative and significant effect, suggesting that an increase in Islamic bank branches, as a proxy of financial inclusion, reduces Islamic bank financing and weakens the link between fintech P2P lending and Islamic bank financing. These results highlight the need for an innovative approach to financial inclusion, such as enhancing digital financial services, while urging practitioners and regulators to align fintech adoption with inclusive financial strategies to optimize its impact.
Factors Influencing Syariah Mutual Fund Investment Decisions in Indonesia: What is FoMO's Role?
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 18, No 1 (2025): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v18i1.30467

Abstract

This research sought to investigate how fear of missing out (FoMO) among Indonesia's Generation Z mediated the effects of herding behavior, loss aversion, and financial literacy on the decision-making process for sharia mutual fund investments. This study employs a quantitative methodology. A questionnaire on a Likert scale from 1 to 10 was used to gather data, which was distributed to sharia mutual fund investors in Indonesia via Google Forms. Non-probability sampling was employed in the sample procedure. The study involved a sample of 150 respondents. The data analysis was conducted using the partial least squares-structural equation modeling (PLS-SEM) technique with the assistance of SmartPLS 3.0 software. The first test is the assessment of the measurement model. The second test is the evaluation of the inner model using the bootstrapping technique of 5000 samples. The study's findings revealed that herding behavior, loss aversion, and financial literacy significantly and positively influence investment decisions. FoMO was found to have no impact on investor decision-making. Additionally, the independent variable showed no significant influence on sharia mutual fund investment decisions when mediated by the FoMO variable.
Primary Determinants of PLS Financing in Islamic Banks: Empirical Insights from Indonesia
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 18, No 1 (2025): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v18i1.30614

Abstract

This study aims to identify the factors that influence Profit-Loss Sharing (PLS) Financing in Islamic Banking in Indonesia. This study uses Islamic bank financial performance instrument variables, which consist of Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Third Party Funds (DPK), and macroeconomic variables, namely the World Uncertainty Index (WUI), Industrial Production Index (IPI), and BI-Rate monetary variables. This study uses data from January 2015 to May 2024. The research used is a quantitative method with the Auto-Regressive Distributed Lag (ARDL) analysis model. The findings of this study indicate that NPF and BI-Rate variables have a significant effect on PLS financing in the short and long term. Meanwhile, the variables of CAR, DPK, WUI, and IPI do not have a significant effect in the short and long term. The results of this study are expected to serve as recommendations for the government and stakeholders in formulating and establishing appropriate policies and strategies for Islamic banking.

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