cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Eko Fajar Cahyono
Contact Email
ekofajarc@feb.unair.ac.id
Phone
+6285645454959
Journal Mail Official
aijief@journal.unair.ac.id
Editorial Address
Islamic Economics Departement Faculty Of Economics and Bussines Universitas Airlangga Jl. Airlangga No. 4-6, Surabaya 60286, Indonesia Telp. 031-5033642, 031-5036584 ext. 144, Fax 031 026288
Location
Kota surabaya,
Jawa timur
INDONESIA
Airlangga International Journal of Islamic Economics and Finance
Published by Universitas Airlangga
ISSN : 25799169     EISSN : 26158205     DOI : 10.20473/aijief.v3i2.23878
Core Subject : Economy,
Economics, Econometrics & Finance
Airlangga International Journal of Islamic Economic and finance (AIJIEF) publishes quality and in-depth analysis of current issues within Islamic finance and Islamic economics. The journal welcomes robust evidence-based empirical studies and results-focused case studies that share research in product development and clarify best practices. The central theme of the paper received in Airlangga International Journal of Islamic Economics and finance (AIJIEF) is the study of international Islamic economics and international Islamic finance. What is meant by the theme is a case study of Islamic economics and Islamic finance in the Asia Pacific region, especially Southeast Asia, or a case study of Islamic economics and Islamic wear that occurs in member countries of the Islamic Conference Organization. All the main themes mentioned in the previous paragraph Airlangga International Journal of Islamic Economic and Finance (AIJIEF) also accept papers with the themes of Islamic economics and Islamic finance. The spread of Islamic finance and Islamic economics include: 1. Islamic finance: Fundamentals, trends, and opportunities in Islamic Finance Islamic banking and financial markets Risk Management Corporate finance Investment strategy Islamic Sosial Finance Financial Planning Housing Finance Legal and regulatory issues 2. Islamic economics: Islamic Microeconomy Islamic Macroeconomy Islamic Monetary Economy Zakah, Waqf and Sadaqoh Economics of Natural Resource and Environment in Islamic Economics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 80 Documents
 3   4   5   6   7 
THE INTENTION TO USE MOBILE BANKING DURING THE COVID-19 PANDEMIC: MODIFICATION OF THE UTAUT MODEL Muhammad Hanif Ibrahim; Annes Nisrina Khoirunnisa; Uma Zalfa Salsabiil
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 01 (2022): JANUARY-JUNE 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v5i01.31449

Abstract

This study want  to examine society's intentions towards mobile banking sharia in the ease of solving their financial problems. The increase in the use of smartphones makes the banking industry provide services mobile banking to facilitate and increase customer productivity, especially during the Covid-19 pandemic. Intention to use sharia mobile banking measured using the Unified Theory of Acceptance and Use of model Technology (UTAUT. Type this research uses quantitative research that is supported by data qualitative. The sampling technique used purposive sampling which was tested using the SEM-PLS analysis technique with an analytical tool, namely Warp-PLS 5.0 and exploratory analysis using SPSS 23. Results of SEM analysis shows that there is a good intention by the society in using mobile banking and the public finds it easy to operate to increase productivity. The implications of this research as input for the banking sector in terms of improving the quality of mobile banking so that people can produce during the Covid-19 pandemic.
ANALYSIS OF CONSUMER BEHAVIOR IN ONLINE SHOPPING ISLAMIC PERSPECTIVE Cinantya Sriyono Putri; Trisnaning Setya Sutjipto; Mohamad Sholeh
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 01 (2022): JANUARY-JUNE 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v5i01.37475

Abstract

The development of the digital era has triggered changes in consumer behavior in using technology for transactions. The emergence of online shops and marketplaces or online shopping sites has become one of the lifestyle choices of today's people to shop more practically and efficiently. However, in making purchases, a Muslim must remain obedient to the corridors and values of sharia. The purpose of this study is to investigate how consumer moslem behavior in online shopping obedient to guiding consumption principle in Islam. The method used in this research is a literature study which uses secondary data obtained from existing research and references. This study concludes that many previous study findings in majority moslems country such as Saudi Arabia, and Malaysia consumer moslem behaviour not obedient to the corridors and values of sharia as cited in Al-Quran dan As-Sunnah especially for avoiding israf (one of guiding consumption principle in Islam for not to consume excessively/hedonism). There is no difference found regarding the method of the buying (online/conventional). Both methods online and conventional buying behavior have a positive significant relationship in consuming with hedonism style. Muslim consumers must behave moderately where they do not act excessive consumption which leads to tabdhir (wastefullness) and also israf (excesiveness) or deficiency to lead to bukhl (miserliness) as Al-Quran and As-Sunnah cited.
Patronage Factors and the Behavior of Customers towards Islamic Banking in Nigeria omoruyi Aigbovo
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 01 (2022): JANUARY-JUNE 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v5i01.37758

Abstract

In this study, the selection criterion for Islamic banking in Nigeria was examined. Thus, the study investigates whether variables like; rate of return, Islamic teaching, bank’s reputation and service quality account for why customers patronize Islamic bank (Jaiz bank) in Nigeria. The general behavior of customers towards Islamic banking in Nigeria was also investigated.  A survey research design was adopted and all the customers of Jaiz bank branch in Herwa Gana Ward, Commercial Area of Gombe Local Government Area constitute the population of the study. A suitable sample of 60 respondents was the study's focus. The respondents were chosen using a convenient sampling strategy. 52 of the 60 administered surveys were deemed to be valid. The data were examined using simple percentages, descriptive statistics, correlation, and regression. It was discovered that in Nigeria, customers' attitudes toward Islamic banking are significantly influenced by the rate of return, Islamic principles, and bank reputation. In order to draw in more clients, the study advises Jaiz Bank to build upon its positive reputation and enhance the quality of its services. They can also promote the religious traditions in their advertisements to attract customers who are motivated to benefit from interest free banking services.
THE INFLUENCE OF LIFESTYLE, FINANCIAL LITERACY ON THE CONSUMPTIVE BEHAVIOR OF THE MILLENNIAL GENERATION IN THE COVID-19 PANDEMIC ERA IN PADANG Dul Candra; Bintang Aulia Lutfi
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 01 (2022): JANUARY-JUNE 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v5i01.37903

Abstract

Purpose: This research to determine the effect of lifestyle, literacy on the consumptive behavior of the millennial generation in the Covid-19 pandemic era in Padang. Methods: The method used in this research uses quantitative analysis with the sample method of respondents using the stratified random sampling method, the research subject is the Millennial generation. Results: In this research, we get the results that many generations today are living a lifestyle that can be called hedonism because they cannot manage their finances and result in consumptive behavior in their lives. We estimate that this is due to the very fast development of the times that the millennial generation must follow. Conclusion and Suggestion: The results of the study reveal that lifestyle and financial literacy have a positive effect on the consumptive behavior of the millennial generation at this time which results in falling into the development of an increasingly modern era. It is hoped that the millennial generation must be able to cope with the times by avoiding relationships or a hedonistic lifestyle, and being able to manage financial management both in normal times and in times of economic difficulty during the Covid-19 pandemic, and it is hoped that the millennial generation is more concerned with needs than desires in consuming an item.
SHAFICA (SHARIA FINTECH CAMPAIGN): SHARIA FINTECH MARKETING APPLICATIONS THROUGH CAMPAIGN TO ACCELATE THE DEVELOPMENT OF SHARIA BANKING IN INDONESIA: (Marketing Islamic Banking Products through Financial Technology) Verdian Agus Saputra; Afrohiyatid Diniyah; Ahmad Ahda Maulana
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 01 (2022): JANUARY-JUNE 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v5i01.37910

Abstract

ABSTRACT The urgency of using Islamic fintech in marketing Islamic banking products has become a priority in life in the industrial era 4.0. This is because the development of sharia fintech services has a positive effect on the financial performance of Islamic banking. Sharia fintech can be used as an acceleration of da'wah and sharia economic development through banking products so that it can help the financial needs of the community as well as a source of capital for business actors (MSMEs). This is evident in terms of Islamic peer to peer lending on average an increase of about 50% in 2020. Currently, the number of sharia fintech officially registered with the OJK is only around 10 fintech, which is still far behind the number of conventional fintech. In addition, the level of Islamic financial literacy (8.93%) and the Islamic financial inclusion index (9, 1%) which is still very low is also an obstacle in the development of sharia fintech in Indonesia. On this occasion, the researchers used descriptive qualitative methods with secondary data through libraries, journals and internet research. Departing from the existing background, the researcher initiated an application called SHAFICA to market sharia fintech so that it is spread / conveyed to all regions and levels of society. SHAFICA is a campaign application that focuses on providing information on the services, features, products, and schemes of each sharia fintech that will be disseminated by campaign participants. This application will work with Islamic banking and Islamic fintech as partners. The SHAFICA application will contain various kinds of sharia fintech as well as explanations in addition to information about the campaign. By loading this option, it is intended that campaign participants download one of the fintech as an initial requirement for participating in the campaign. To attract people to join the campign later, they will use a point system, namely the more people who follow the campaign and invite others to join the campign, the more points will be added. These points can later be exchanged into balances that can be used as additional income. The source of this balance is obtained from partner collaboration with the application as a marketing party. The presence of this application provides many benefits for the community, partners, and the development of the Islamic economy. It is hoped that through the SHAFICA application, it can increase understanding, literacy, and equitable access to the use of sharia fintech services.
THE ACCEPTANCE FACTORS FOR ISLAMIC BANKING FINTECH SEVICES: EXTENDED TECHNOLOGY ACCEPTANCE MODEL (TAM) APPROACH Lailatur Rohmah; Nurul Lailatul Mumtahanah; Evrina Ross Pratiwi
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 02 (2022): JULY-DECEMBER 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Era 4.0 requires Islamic banking to optimize its services through digital platforms to make it easier for customers to transact. Indonesia is a large market for Islamic banking products, so Islamic banking should provide the best possible digital services and people will be more interested in using Islamic bank products. Therefore, it is necessary to analyze the factors that influence customers in using Islamic bank services online so that the quality of digital services can be improved. This study aims to determine the factors that influence the acceptance of Islamic bank customers for financial technology (Fintech) services in Indonesia by using the Extended Technology Acceptance Model (TAM) approach. The TAM model states that system users tend to use the system if the system is easy to use and useful for its users. Extended TAM adds a consumer innovation variable, namely the degree to which an individual is relatively earlier in adopting an innovation than other members of the system. This research is a type of quantitative research using primary and secondary data. Primary data was obtained from a survey of Islamic bank customers using convenience sampling. Secondary data is obtained from related literature sourced from journals, articles, books, and official government or banking websites. The results show that the acceptance of Islamic banking fintech services in Indonesia is determined by the perceived ease of use and customer innovation (consumer innovativeness), while the perceived usefulness does not affect the acceptance of Islamic bank customers for the use of mobile banking. This research will be useful as a reference for policymakers, academics, and researchers in the future.
COMPARATIVE STUDY OF EFFICIENCY AND PRODUCTIVITY BETWEEN CONVENTIONAL COMMERCIAL BANKS AND ISLAMIC COMMERCIAL BANKS: EVIDENCE FROM INDONESIA Evania Herindar; Nadia Nurul Izza
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 02 (2022): JULY-DECEMBER 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstract This study aims to analyze and compare the efficiency and productivity of Conventional Commercial Banks (BUK) and Islamic Commercial Banks (BUS) in Indonesia, with 19 BUK and 14 BUS in Indonesia. This study uses the CRS and VRS models in analyzing efficiency with Data Envelopment Analysis while analyzing productivity using the VRS model using the Malmquist Productivity Index. The results of this study indicate that there are still BUK and BUS bankers who have not achieved maximum efficiency, and there are still many of the two types of banks with low efficiency. The leading cause of the inefficiency of BUK and BUS in Indonesia is caused by output variables, namely the amount of financing and operating income. This study also revealed that the Covid-19 pandemic caused a decrease in the efficiency of the BUK, while the efficiency of the BUS was relatively stable and even slightly increased. Furthermore, based on an analysis of productivity during the Covid-19 pandemic, BUK and BUS in Indonesia experienced an increase due to high technological changes. Then this study also revealed the results of the Malmquist index score. Changes influence changes in productivity efficiency and changes in technology. This study finds that the dominant factor that causes the increase in productivity of BUK and BUS in Indonesia is influenced by technological change factors. Thus digitalization in the banking industry sector is essential. This research also provides recommendations for several parties, such as practitioners, academics, and regulators
DIGITALIZATION OF (ZIS) ZAKAT INFAQ AND SHADAQAH THROUGH THE USE OF QRIS (CASE STUDY: GENERATION Z) Ahmad Zikry Fadillah; Putri Oktavia Rusadi; Asih Karsinih
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 02 (2022): JULY-DECEMBER 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Zakat, infaq and shadaqah (ZIS) as social financial instruments in Islam has a role in improving the social economy of society. Research research results The BAZNAS strategy as of December 2021 notes that the total potential for zakat on in 2020 it has reached IDR 327.6 trillion. This potential is supported by the level of generosity of the Indonesian people is high because of the majority Muslim. Charities Aid Foundation (CAF) World Giving Index in 2021 places Indonesia in first place as the country with the most philanthropist in the world. Based on BAZNAS data in 2021, collection ZIS funds have seen an increase of 33% over 2020 in total collected Rp. 513.3 billion or an increase from the initial target. But amount the accumulated ZISWAF funds are not comparable to their potential reached IDR 327.6 trillion. In today's digital era, financial transactions on the ZIS instrument is an alternative solution so that the collection of ZIS funds can be more maximum. Survey conducted by the Association of Internet Service Providers Indonesia (APJII) in 2021, noted that internet users in Indonesia an increase of 11% from the previous year, namely from 175.4 million to 202.6 million user. This has implications for the development of e-lifestyle (lifestyle digital) in the era of society 5.0. This research aims to offer a solution utilization of the use of QRIS in raising ZIS funds in Indonesia. The Deputy Governor of Bank Indonesia stated that throughout 2021 transactions carried out using QRIS reached IDR 27.7 trillion or grew 237% (yoy). This study uses the critical literature review method, with review and analyze literature relevant to the research topic. Data used are primary data from surveys on generation Z and secondary data. The results of the study show that the collection of ZIS funds is through the use of QRIS has an impact on increasing ZIS fundraising. So funds ZIS can have a more significant impact in supporting poverty alleviation listed in the Sustainable Development Goals (SDGs).
ANALYSIS OF INTENTION TO USE SHARIA DIGITAL BANKING USING TAM 3 AND UTAUT THEORY Niniek Adenia; Alifia Nur Zaida; Hasanah Listiyanti
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 02 (2022): JULY-DECEMBER 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v5i02.42361

Abstract

Digital banking is an innovation in the banking sector that allows customers to make financial transactions more easily. The use of digital banking in Indonesia is inseparable from the very massive penetration of mobile devices, where the number reaches 355.5 million. Over time, digital banking began to be developed by adjusting to sharia principles. One of the sharia-based platforms from PT. Jago Bank Tbk. is become a breakthrough for the growth of sharia digital banking in Indonesia. The platform was just launched in the first quarter of 2022 and it can make an optimal contribution to financing. This condition indicates that there is an opportunity for sharia digital banking to continue to grow. The realization of this development was partly driven by the good acceptance of a technology-based platform. The existence of good technology acceptance can influence someone's intention to start using the offered digital platform. This study aims to analyze the factors that influence individual intentions to use sharia digital banking at Bank Jago Syariah. This study uses a quantitative approach where data is obtained by distributing questionnaires to generation Z by adopting the TAM 3 and UTAUT theories. Tests were carried out by adopting the SEM-PLS model using the Warp PLS 5.0 data analysis tool. The implementation of this research is expected to be able to optimize sharia digital banking which will then contribute to the development of the Islamic economy in Indonesia.
THE EFFECT OF USING QR CODES TO INCREASE ALMS IN THE MOSQUE Tri Utami; Ahmad Maulana; Nadya Salsabila Haqqoni
Airlangga International Journal of Islamic Economics and Finance Vol. 5 No. 02 (2022): JULY-DECEMBER 2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstract Technological developments have brought many changes to various sectors of human life, one of which is in terms of financial transactions. In the past, Indonesian people used to use their money as a means of payment. Now there is an innovation that makes it easier for people to make more efficient transactions, namely non-cash payments via e-money. One example is taking advantage of financial technology developments by using the QR Code to give alms and spend in mosques. Indonesia has been named the most generous country in the world. This is an opportunity to use fintech to give charity. By utilizing QR Code technology in the charity box, you can increase the income of alms and infaq at the mosque. The data used are primary data through questionnaires distributed in the Jabodetabek area with a total of 100 respondents. While secondary data were obtained from various literature studies such as journals, books, articles, and internet sites that are relevant to this research. The purpose of this study is to find out how much influence the QR Code is used in the mosque for giving alms. It is hoped that the QR Code technology used in this mosque can increase the development and use of sharia fintech in Indonesia.

Page 5 of 8 | Total Record : 80

 3   4   5   6   7 

Filter by Year

2018 2025


Reset
Filter By Issues
All Issue Vol. 8 No. 02 (2025): July-December 2025 Vol. 8 No. 01 (2025): JANUARY-JUNE 2025 Vol. 7 No. 02 (2024): JULY-DECEMBER 2024 Vol. 7 No. 01 (2024): JANUARY-JUNE 2024 Vol. 6 No. 02 (2023): JULY-DECEMBER 2023 Vol. 6 No. 01 (2023): JANUARY-JUNE 2023 Vol. 5 No. 02 (2022): JULY-DECEMBER 2022 Vol. 5 No. 01 (2022): JANUARY-JUNE 2022 Vol. 4 No. 2 (2021): JULY-DECEMBER 2021 Vol. 4 No. 1 (2021): JANUARY-JUNE 2021 Vol. 3 No. 2 (2020): JULY-DECEMBER 2020 Vol. 3 No. 1 (2020): JANUARY-JUNE 2020 Vol. 2 No. 2 (2019): July-December 2019 Vol. 2 No. 1 (2019): JANUARY-JUNE 2019 Vol. 1 No. 2 (2018): July-December 2018 Vol. 1 No. 1 (2018): JANUARY-JUNE 2018 More Issue