cover
Contact Name
Muhammad Kambali
Contact Email
jurnalaliqtishod@gmail.com
Phone
+6282245049710
Journal Mail Official
hambali236@gmail.com
Editorial Address
Jl. Raya Menganti Krajan No.4747 Menganti Gresik
Location
Kab. gresik,
Jawa timur
INDONESIA
AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam
ISSN : 24076600     EISSN : 27458512     DOI : -
Core Subject : Economy,
The scope of AL-IQTISHOD are but strictly limited to: Sharia economy Sharia business Sharia management Sharia finance
Articles 125 Documents
Analisis Faktor Yang Memengaruhi Intensi Menggunakan Fintech Syariah: Studi Empiris Generasi Milenial Tangerang Raya Elif Pardiansyah; Najmudin Najmudin; Ahmad Fatoni
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.603

Abstract

Indonesia has experienced a significant increase in internet penetration over the past decade. The implications of increasing internet penetration have an impact on business patterns in various industrial lines. Financial technology (fintech) is proof of the implementation of a financial system by delivering more efficient financial services. Fintech has an important role in financial intermediation and helps the daily lives of almost all people in the world. Fintech has changed the way consumers conduct financial transactions. This study aims to find out what factors underlie behavioral intentions to use sharia fintech in the millennial generation in Tangerang Raya. This study uses the technology acceptance model (TAM) and accommodates a new variable, namely religiosity. The sampling technique used purposive sampling so that a total sample of 237 respondents was obtained online using the Google form. This study was analyzed using multiple linear regression using SPSS 22 software. The results of this study indicate that the intention to use the millennial generation of sharia fintech in Tangerang Raya is influenced by the perceived usefulness factor with a P-value of 0.00 <0.05, and the Islamic religiosity variable with a P-value of 0.00 <0.05. Meanwhile, perceived ease of use does not have a significant effect on the intention to use fintech at the sig 5% level with a p-value of 0.197 > 0.05.
Strategi Bauran Pemasaran 4P Produk Gadai Emas pada Pegadaian Syariah Nuris Tishwanah; Rasyid Abi Sandi; Nurul Auliyah Bakri
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.610

Abstract

This study aims to determine the most appropriate marketing mix strategy to be used and applied in Sharia pawnshops to increase the sales volume of gold pawn products. This research uses a qualitative research method with a SWOT analysis approach because it is based on an assumption that states that an effective strategy can maximize the opportunities and strengths that exist in product suau, one of which is gold pawn products in Sharia pawnshops. Then further analysis is carried out using EFAS and IFAS techniques and the results will be outlined in a cartesius diagram. The results of the SWOT analysis state that gold pawn products at Sharia pawnshops are in quadrant I expansion, which means that sharia pawnshops are in prime condition which allows them to expand, achieve maximum progress, and increase growth. This research focused on gold pawn products in Sharia pawnshops that are in great demand by the public.
Analisis Pengembangan Pariwisata Halal Pada Destinasi Taman Wisata Laut Desa Labuhan, Kecamatan Sepulu, Kabupaten Bangkalan, Madura Kurniyati Indahsari; Retno Dwi Wulandari
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.631

Abstract

The study purpose was to confirm the Marine Tourism Park condition with the halal tourism development based on the DSN-MUI Fatwa. This was a qualitative descriptive research using phenomenology. While previous researches were focused on the tourism components condition only or their conformity with criterias of Global Muslim Muslim Travel Indeks, this research was focused on the tourism components condition, including Attraction, Amenity, Accessibility, and Hospitality as well as their conformity with the DSN-MUI Fatwa. The results show that Marine Tourism Park can be developed into halal tourism. The Attraction, namely its uniqueness, benefits, security, cultural development, and attractions, are meet the Fatwa. The discrepancy in is in the cleanliness, comfort as well as the presence of adultery. The Amenity, namely the availability of facilities are meet the fatwa. The discrepancy is in the damage of some facilities and the lack of worship, security and clean water facilities. While all Hospitality components are meet the Fatwa, all Accessibility components are not. This research novelty is the recommendations on tourism sub components which should be fulfilled by The Marine Tourism Park to become a Halal tourism
Pemetaan Riset Akuntansi Zakat: Analisis Bibliometrik Kiki Hardiansyah; Viya Fatwa Nurmalasari; Lisa Aslamiah; Najwa Rahmadina; Risma
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.741

Abstract

This study aims to determine the extent of the development of zakat accounting research by reviewing various literature. This research is here to fill the gap in the bibliometric research of zakat, which is still very limited. The method used is qualitative with bibliometric analysis using VOSViewer. The results showed that 42 articles related to zakat accounting were published in international journals, spanning 2015-2022. These articles have been published regularly in the last eight years (2015-2022). The majority of articles were published in 2020, which was 13 articles or 29.55%. The years 2015 and 2018 were the fewest, namely only 1 article or 2.27%. The articles are written individually (single author) as well as collaboratively (multiple authors). The most frequently used method of qualitative research is qualitative-descriptive, with a total of 19 articles. Meanwhile, the quantitative method that is most often used is the quantitative method with linear regression analysis, as many as 2 articles. The International Journal of Financial Research became the most significant journal. In total there are 298 citations, with keywords that are often used are zakat accounting, trust, business zakat, information system, and economic sustainability.
Why Islamic Economics ? The Difference Between The Conventional System And The Islamic Economic System muhammad kambali; Jamiatus Dinny Sholikah; Misella Sandi
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.835

Abstract

The presence of an economic system is a real part of the effort to answer the economic problem of what, haw, for whom. Every economic system has different ways and ways of solving these problems. This research aims to answer the main problem, why does it have to be Islamic economics? With the liberal research approach, these problems are discussed starting with data collection based on secondary data in the form of research articles and books related to the main focus of the research. Further data were analyzed using content analysis and comparative descriptive analysis methods. The results of this study indicate that the main reason why an Islamic economic system is needed is that Islamic economics is evident from various historical records starting from the beginning of the Prophet Muhammad. Until now the Islamic economic system is clearly different in answering the economic problems of what, haw, and for whom. The Islamic economic system rests on the principle of values that enable human moral hazard to be minimized by upholding the values of monotheism, justice and balance. While the conventional economic system, capitalism and socialism recorded various negative defects starting from the 1929 crisis, the Subprime Mortgage crisis, the dissolution of the Soviet NEP. The results of this study have implications for strengthening the importance of carrying out economic activities that are based on justice and a balance in life.
Determinants of Customer Satisfaction of BMT Mitra Ummat With SERVQUAL Approach Trisma Kamelia; Fuad Hasyim; Dea Primi Purnamasari
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.683

Abstract

Baitul Maal wa Tamwil is one of the Islamic financial institutions, where increasing customer satisfaction is a priority that must be done. This is done because of the intense business competition in financial institutions. There is satisfaction from customers, the existence of Baitul Maal wa Tamwil can be maintained. The way that can be done to increase customer satisfaction is by providing the best service. The purpose of this study is to determine and analyze the effect of service quality consisting of reliability, emphaty, responsiveness, tangible, and assurance variables on customer satisfaction of BMT Mitra Ummat. Sampling using accidental sampling with the distribution of questionnaires to BMT Mitra Ummat customers. Primary data were analyzed using multiple regression. The results show that the Tangible Variable affects the customer satisfaction of BMT Mitra Ummat. Where obtained a t value of 6.509 with a significant value of 0.000 < 0.05 means that Ha is accepted and Ho is rejected. The Reliability variable does not affect the customer satisfaction of BMT Mitra Ummat. Where obtained a value of t of -1.443 with a significant value of 0.152 > 0.05 means that Ha is rejected and Ho is accepted. The Responssive variable has no effect on customer satisfaction of BMT Mitra Ummat. Where obtained a t value of -3.019 with a significant value of 0.003 < 0.05 means that Ha is rejected and Ho is accepted. The Assurance variable has no effect on customer satisfaction of BMT Mitra Ummat. Where obtained a t value of 1.798 with a significant value of 0.075 > 0.05 means that Ha is rejected and Ho is accepted. The Empathy variable affects the customer satisfaction of BMT Mitra Ummat. Where obtained a t value of 5.604 with a significant value of 0.000 < 0.05 means that Ha is accepted and Ho is rejected. In the research conducted by (Dibyantoro, 2012) where the results obtained were all variables of service quality affecting Customer Satisfaction at PT Bank BTN Palembang branch. However, it is different from this study where the results of the Tangible and Empathy variables affect the Customer Satisfaction of BMT Mitra Ummat, while the variables of Reliability, Responsiveness and Assurance do not affect the satisfaction of BMT Mitra Ummat customers.
Pandemic Impact on Islamic Financial Literacy: A Study in Bojonegoro Regency Sri Anugrah Natalina; Arif Zunaidi
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.556

Abstract

The purpose of this study is to determine the influence of decisions on becoming a customer. The research design this time is quantitative research. The data will be processed with a simple regression analysis. The analysis uses simple chart analysis to determine the amount of independence (Islamic financial literacy) due to instability (the decision to become a customer of an Islamic bank). The decision to become a customer is influenced by financial literacy, the financial literacy coefficient value of 0.336 states that if there is an increase in the unit's financial literacy, the decision to become a customer increases by 0.336 (33.6%), assuming other variables are considered constant. And also the Islamic financial literacy variable has a positive influence on decision-making to become a customer in Islamic banks. The result of the coefficient of determination (R²) is 0.15 or 15%, so it can be concluded that the influence of the Islamic financial literacy variable (X) in making decisions to become customers in Islamic banks (Y) has a percentage of 15%, while the remaining 85% influenced by other variables outside this study. The difference in this study is the selection of sample characteristics and research areas.
Determinants of Return On Asset (ROA) at Sharia Commercial Banks 2016 – 2021 Muhammad Irwin Muslimin; Nurwahidin; Mulawarman Hannase
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.669

Abstract

ROA is a ratio that serves to assess a company's ability to make a profit. The amount of ROA can be influenced by many things such as NPF, FDR, and CAR. This study aims to find the effect of NPF, FDR, and CAR on ROA at Islamic Commercial Banks (BUS) in 2016-2021. This research uses a two-stage analysis. The first stage will use multiple linear analysis with the Ordinary Least Square method to find the influence between variables, then the second stage will examine the ROA scheme in Islamic banking, and whether it is in accordance with Islamic principles. The results showed that NPF had a significant negative impact on ROA, FDR had an insignificant positive impact on ROA, and CAR had a significant positive impact on ROA. The results of the calculation of the coefficient of determination show that NPF, FDR, and CAR affect ROA by 78.78% while the rest is explained by other variables that are not taken into account in the study. In addition, the ROA business scheme is in accordance with existing Sharia aspects because nothing is violated in Sharia principles, and the existence of DPS is one of the factors the researchers believe that this business model is in accordance with Sharia values. This research is useful to determine the effect between ROA variables and to find out whether business schemes with ROA are in accordance with Sharia.
Performance Analysis of Bank Syariah Indonesia and Bank Muamalat Indonesia during the COVID-19 Pandemic Reviewed from Maqashid Syariah: Maqashid Sharia Approach Index Rahmat Fitriansyah; Nurwahidin; Mulawarman Hannase
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.768

Abstract

The goal of this research is to measure the capability of Islamic banking in Indonesia during the Covid-19 pandemic using the Maqashid Syariah Index approach and using the measurement of three performance indicators, namely educating individuals, establishing justice, and public interest/maslahah). This research is a type of quantitative descriptive research. Bank Syariah Indonesia and Bank Muamalat Indonesia were used as objects of research. This research uses secondary data that comes from the 2020 and 2021 annual reports sourced from the official website. The maqashid sharia index approach used in data analysis is to calculate the variable performance ratio of the maqashid sharia index which comes from the dimensions of educational grants, research, training, publicity, fair returns, functional distribution, interest-free income, profit ratios, personal income, and investment. in the real sector. The results of this study indicate that overall Indonesian Sharia Banks have the highest score, with advantages compared to using Bank Muamalat in implementing the maqashid sharia aspect and the potential for green finance development
The Corporate Social Responsibility Islamic Perspective on Furniture Business Players at UD. Winir Putra Ziadatun Kholishoh Zia; Fetria Eka Yudiana
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.772

Abstract

All forms of business are no longer faced with responsibilities that are based not only on the value of the business but also on social and environmental issues. This study aims to explain the implementation of Corporate Social Responsibility at UD Winir Putra from an Islamic Perspective. The research method used is descriptive qualitative through a case study approach by conducting interviews with UD business owners, Winir Putra, employees, and the community around the business in Rembes Hamlet, Gesikharjo Village, Palang District, Tuban Regency. The results of the study show that UD. Winir Putra has implemented forms of social responsibility, including social responsibility towards corporate actors and stakeholders, social responsibility towards the natural environment, and social responsibility towards social welfare in general. As well as from an Islamic perspective, the forms of implementing social responsibility are carried out by UD. Winir Putra has fulfilled the elements of CSR in Islam, namely, the elements of justice, the elements of kindness, the elements of benefits, and the elements of trust. The focus of this research is the implementation of CSR from an Islamic perspective in microenterprises and as a reference for others to develop forms of social responsibility

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