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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 215 Documents
 18   19   20   21   22 
Antecedents of Tawhidic Culture for Developing Sustainable Competitive Advantage Through a Strategic Approach
IQTISHADIA Vol 17, No 2 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i2.30218

Abstract

This article aims to empirically prove a new theoretical approach developed to address the gap in prior research regarding the impact of organizational learning on sustainable competitive advantage from the perspective of a shared vision. It focuses on tawhidic culture that is aligned with the exploitation and exploration of knowledge. The design research was conducted by distributing a questionnaire to 117 respondents from 54 private universities in Central Java, Indonesia. The data obtained from the questionnaires was then processed using the structural equation modeling (SEM) technique. The research findings indicate that implementing tawhidic culture in a private university in Central Java has a positive impact towards sustainable competitive advantage. This impact occurs when tawhidic culture is effectively integrated into all aspects of the institution, including the development of a shared vision through a tawhidic culture, which positively influences the realization of sustainable competitive advantage. The positive influence of a tawhidic culture on enhancing sustainable competitive advantage is also evident when there is an increase in knowledge exploration. This article presents a novel research variable, tawhidic culture, which is constructed based on the integration of the resourcebased view (RBV) theory of strategic assets with the tahidic paradigm. This variable serves as a foundation for enhancing sustainable competitive advantage
Financing Risk Mitigation Strategy with Governance Approach, Local Wisdom, and Religiosity at Sharia Rural Bank (BPRS) of Riau
IQTISHADIA Vol 17, No 2 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i2.29956

Abstract

This study presents an innovative approach to financing risk mitigation strategies at BPRS in Riau by identifying causal factors, solutions, and strategies. Using a qualitative approach with the Analytic Network Process (ANP) method involving regulators, practitioners, and academics to reveal the interconnection between internal and external factors, sociocultural dimensions, and religiosity affecting financing performance. The findings show that implementing good governance, community and local wisdom, and religious values in the customer selection process reduces financing risks and strengthens the relationship between Sharia Rural Bank (BPRS) and the community. The results of this study provide significant contributions to developing a more comprehensive and sustainable risk mitigation framework, policies, and practices for BPRS in Riau, inspire the application of similar principles in other Islamic financial institutions, and encourage regulators to develop regulations to support the development of BPRS.
MSMEs' Intention in Adopting Sharia Equity Crowdfunding: An Empirical Study Using TAM and TPB Virgiawan, Rheyza; Nur, Sofyan Ashari; Nugroho, Rizal Bayu Bakti
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 18, No 2 (2025): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v18i2.33109

Abstract

This study attempts to explore the factors that influence MSMEs' decisions to adopt sharia equity crowdfunding (SECF) models in Indonesia by analyzing the integration of the theory acceptance model (TAM) and the theory of planned behavior (TPB) framework on Micro, Small, and Medium Enterprises (MSMEs) intention in using sharia equity crowdfunding. This quantitative study involved 695 MSMEs, utilizing an online questionnaire as the data collection method, which was subsequently analyzed using structural equation modeling (SEM) with Smart-PLS software. The study shows that MSMEs consider more aspects of convenience and benefits related to the technology offered by sharia equity crowdfunding. Additionally, subjective norm (SN), attitude (ATT), and PBC also play crucial roles. Interestingly, the interest of MSMEs in adopting sharia equity crowdfunding does not depend on the perception of others but instead prioritizes the direct experience they can perceive from sharia equity crowdfunding. Key findings include significant positive effects of Perceived Usefulness (PU) on ATT and ItU (Intention to Use), Perceived Ease of Use (PEU) on ItU and PBC, and SN on PU and PEU.
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.
Religiosity as a Moderator Between Planned Behavior Factors and Online Purchase Intention
IQTISHADIA Vol 17, No 2 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i2.29959

Abstract

The development of the digital era has changed consumer behavior patterns. This is influenced by factors such as social media, ease of use, lifestyle, and price. This study aims to evaluate the influence of social media, ease of use, price, lifestyle, and religiosity on online shopping behavior. This study uses Structural Equation Modeling (SEM) with a quantitative approach to measure the influence of social media, ease of use, price, lifestyle and religiosity on 300 Muslim consumer respondents with religiosity as a moderator variable. This study found that social media, ease of use, price, and lifestyle have a significant impact on online shopping behavior, with a p-value below 0.05. Price shows the strongest influence (coefficient 0.328), followed by ease of use (0.261), social media (0.219), and lifestyle (0.132). In contrast, religiosity has no significant influence (p-value 0.954) and does not moderate this relationship, as indicated by the high p-value and low f-square value. This suggests that Muslim consumers prioritize rational factors over religiosity in online shopping.
The Intersection of Waqf and Entrepreneurship: Insight from A Bibliometric and Content Analysis Study
IQTISHADIA Vol 17, No 2 (2024): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v17i2.30217

Abstract

The concept of waqf, one of the Islamic philanthropic instruments, has changed over time and has become a tool for passive charity and economic empowerment. This research examines the potential for integrating waqf with entrepreneurship as a social and economic empowerment instrument, using a bibliometric and content analysis approach to identify trends, insights, and gaps in the literature. The research results show that the concept of productive waqf, if managed innovatively, can contribute significantly to sustainable economic development, poverty alleviation, and community empowerment, especially in Muslim-majority countries. This research also highlights the importance of technology-based waqf management, such as sharia fintech and crowdfunding, as well as cross-sector collaboration to increase the social impact of waqf. Recommendations are provided to practitioners, policymakers, and academics, including the need to develop policies that support transparent waqf management, training for nazhir, and further research to explore the potential of waqf in various economic sectors. This study provides theoretical and practical contributions to more innovative and sustainable waqf management.
Halal Destinations Brand Equity: Impacts on Tourist Motivation and Travel Revisit Intention in Indonesia Sasmitawidjaja, Vinesya; Sobari, Nurdin
IQTISHADIA Vol 18, No 2 (2025): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v18i2.31452

Abstract

The purpose of this study is to determine how the brand equity of Indonesia's ten halal destinations affects tourists' motivation and intention to revisit. Grounded in the Theory of Planned Behavior (TPB) and the Islamic marketing framework, this study integrates both behavioral and spiritual dimensions to explain tourist decision-making in halal destinations. The research employed a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.2.9 as the analytical tool. Data were collected from 413 valid responses of domestic tourists from Generations X and Y (aged 27–56) who had visited at least one of Indonesia’s halal destinations in the last five years. Purposive sampling was used to ensure respondents met the halal travel criteria. The results revealed that perceived quality, value, and loyalty of halal destinations positively and significantly affect halal destination brand equity, while awareness and image have insignificant effects. Furthermore, halal destination brand equity significantly influences tourist motivation and intention to revisit, confirming its mediating role between destination attributes and behavioral outcomes. The novelty of this research lies in integrating Islamic values, such as ihsan (service excellence) and tayyib (goodness), into the halal destination brand equity framework, thereby offering a holistic understanding of spiritual–behavioral alignment. The findings provide theoretical and managerial implications for strengthening Indonesia’s position as a leading global halal tourism destination.
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.
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.

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