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Husnurrosyidah
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+62291 432677
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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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INDONESIA
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 7 Documents
 1 
Search results for , issue "Vol 18, No 1 (2025): IQTISHADIA" : 7 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 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 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 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.
The Relationship Between the God Locus of Health Control and Halal Awareness Based on Demographic Factors
IQTISHADIA 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.v18i1.31247

Abstract

This study explores the relationship between the God Locus of Health Control (GLHC) and halal awareness in tourist destinations, with demographics such as gender, age, and education serving as differentiators. The sample consisted of 478 respondents selected through convenience sampling techniques, and data were collected using online questionnaires. The analysis was conducted using structural equation modeling (SEM) and multi-group analysis (MGA), which are robust statistical methods that examine complex relationships and comparisons among different demographic groups. The results indicate that GLHC is positively associated with halal awareness. Moreover, the relationship between GLHC and halal awareness was confirmed to be more dominant in men, the 25-30-year age group, and respondents with a master's and bachelor's degree. This study contributes to halal awareness research by introducing GLHC as a spiritual determinant, exploring demographic moderators (gender, age, education), and focusing on halal tourism, expanding beyond traditional product categories like food and cosmetics.
The Mediating Function of Islamic Work Ethics in the Association Between Ethical Leadership and Job Performance in Islamic Hospitals
IQTISHADIA 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.v18i1.32346

Abstract

This study examines how healthcare professionals' performance in Islamic hospitals after the COVID-19 epidemic is affected by Islamic Work Ethics (IWE) and Ethical Leadership. Descriptive statistical analysis and a quantitative approach were employed in this study. A stratified random sample of healthcare professionals from Kudus Regency's Islamic hospitals was collected. A total of 157 respondents completed a standardized questionnaire that was used to gather the data. The suggested linkages and data analysis were tested using SmartPLS.  This study found that IWE and ethical leadership significantly impact healthcare professionals' job performance.   Furthermore, ethical leadership positively affects the IWE, and the IWE partially mediates the relation between ethical leadership and job performance. Only healthcare professionals working in Kudus, Jawa Tengah's Islamic hospitals, are included in this study. Therefore, future studies may involve experts from a larger range of industries to obtain a more comprehensive understanding. This study presents a fresh viewpoint by investigating the concurrent relationship between IWE, job performance, and ethical leadership in Islamic hospitals. Additionally, this study focuses on Islamic hospitals, which uniquely integrate Islamic values into workplace practices, especially in the post-pandemic era. 
Managing Business in a Muslim Majority Country: A Case Study of Boycott Factors in Non-Muslim Families in Indonesia
IQTISHADIA 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.v18i1.31394

Abstract

Business management in each country varied from one another based on their own characteristics, especially in Muslim-majority countries. The prolonged conflict between Israel and Palestine has led all countries to boycott Israeli products, whose movement is known globally as BDS (Boycott, Divestment, Sanctions). This quantitative study aims to determine the role of internal factors such as religiosity, self-enrichment, and ethnocentrism in influencing the intention to boycott Israeli-affiliated products. This study examines the willingness of non-Muslims in Indonesia to boycott Israeli-affiliated products. Four hundred respondents from 29 provinces in Indonesia and various backgrounds participated in this study. The analysis used structural equation modelling with partial least squares (SEM-PLS). The results showed that two factors positively influence boycott intentions: self-enhancement and ethnocentrism. Meanwhile, religious religiosity does not influence boycott intentions. The results of this study provide insights for international companies to provide complete transparency on their business operation related to humanistic and inclusive business practices if they want to be accepted by the Indonesian people.

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