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AL-FALAH : Journal of Islamic Economics
Published by Institut Agama Islam Negeri Curup
ISSN : 25482343     EISSN : 25483102     DOI : http://doi.org/10.29240/jie
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
AL-FALAH: Journal of Islamic Economics is scientific journal of Islamic Economics based on both conceptual and empirical research. It concerns to extensively publish the issues of islamic economics which study through interdiscipline perspectives such as fiqh, shariah finance, islamic bank, islamic development economics, and also economic sociology. The journal is published by Curup State Institute for Islamic Studies (IAIN), Bengkulu, Indonesia. Published twice in a year, on June and December, the journal of Al-Falah is projected as a media, sphere, and dessemination of scholars studies on islamic economics issues. Therefore, Al-Falah invites all of participants, scholars, researchers, and Muslim economists to submit their best-papers, and publish it in Al-Falah: Journal of Islamic Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 138 Documents
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The Influence of Consumer Behaviour and Interest on The Purchase Decision of Second-Hand Clothing in Lubuk Pakam City Maulana, Rifki; Hasibuan, Reni Ria Armayani; Nasution, Juliana
AL-FALAH : Journal of Islamic Economics Vol. 10 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v10i01.12638

Abstract

Purpose: This research aims to determine the influence of consumer behaviour and interests on purchasing decisions for used clothing in Lubuk Pakam City. Design/Method/Approach: This research method is quantitative and associative. The type of data in this research is primary data. The data source was obtained from consumers through distributing questionnaires to consumers purchasing used clothing in Lubuk Pakam, who will be used as samples in the research. The population in this study was 93,064 people. The sample in this study was taken using a probability sampling technique using the Slovin formula, with a sample size of as many as 100 respondents. The data analysis used is multiple linear regressions. Findings: The results show that consumer behaviour has a positive and significant effect on purchasing decisions, indicating that purchasing second-hand clothing is primarily motivated by price considerations, product quality, and trend-following behaviour. Conversely, consumer interest does not significantly affect purchasing decisions, suggesting that although consumers may be attracted to second-hand clothing, it does not automatically translate into actual purchases, likely due to social stigma or hygiene concerns. Simultaneously, consumer behaviour and interest together significantly influence purchasing decisions, confirming that decision-making in this market is multifactorial and cannot rely solely on interest alone. Originality/Values: These findings contribute theoretically by enhancing the understanding of consumer behaviour in second-hand clothing purchases and offer direct practical implementations. For business actors, the insights enable the design of more targeted marketing strategies that emphasise consumer behaviour factors such as price sensitivity, brand perception, and trend adoption, rather than solely relying on consumer interest. For policymakers, the results support the development of more balanced regulations that protect public health and promote local industries while accommodating the strong consumer demand for second-hand clothing. Additionally, the findings help advocate for programs that ensure hygiene standards and legal compliance in the second-hand clothing trade in cities like Lubuk Pakam.
The Influence of Inflation And Economic Growth (GDP) on The Stock Prices of Manufacturing Companies in The Jakarta Islamic Index (JII) Sari, Indaniaty Hasanah; Tambunan, Khairina; Harahap, Muhammad Ikhsan
AL-FALAH : Journal of Islamic Economics Vol. 10 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v10i01.12645

Abstract

Purpose: This study analyses the impact of inflation, economic growth, and previous stock prices on manufacturing companies’ stock prices in the Jakarta Islamic Index (JII). Understanding macroeconomic factors that influence the Islamic capital market, particularly in the context of stock price volatility, is urgent. Design/Method/Approach: The quantitative research method with multiple linear regression analysis. Secondary data were obtained from the Indonesia Stock Exchange (IDX), the Central Bureau of Statistics (BPS), and other online sources, covering the research period from 2021 to 2023. Data analysis was conducted using the E-Views 10 software. Findings: The research results indicate that inflation does not have a significant partial effect on the stock prices of manufacturing companies in the JII. In contrast, economic growth and previous period stock prices have a positive and significant impact. Simultaneously, inflation, economic development, and previous period stock prices influence stock prices in the JII. Originality/Values: These findings highlight that investors must consider various economic factors when making investment decisions.
The Influence of Sharia Financial Literacy, E-Commerce, Payment Gateway, and Media Social on The Performance Of UMKM (Coffee Shops) In Medan City Amelia, Cahya; Nurbaiti, Nurbaiti; Qarni, Waizul
AL-FALAH : Journal of Islamic Economics Vol. 10 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v10i01.12646

Abstract

Purpose: This research aims to examine the influence of Sharia financial literacy, e-commerce, payment gateways, and Media Social on the performance of UMKM (coffee shops) in Medan City. Design/Method/Approach: The research method uses a quantitative approach with multiple linear regression analysis techniques and is processed using SPSS. The research sample consists of 105 respondents, selected based on predetermined criteria: UMKM coffee shop entrepreneurs. Findings: Sharia Financial Literacy has a significant influence because it helps MSME actors manage their finances more wisely and use Sharia principles, thereby increasing efficiency and consumer trust. Payment Gateway also has a considerable impact as it facilitates fast and secure digital transactions, which are essential in today’s cashless society. Social Media is likewise substantial because it is a low-cost promotional tool with a broad reach, enabling MSMEs to build social relationships and a strong brand image. E-commerce does not significantly influence, possibly because not all MSME coffee shops in Medan have fully optimized e-commerce platforms due to limitations in technology, knowledge, or consumer preferences that still lean toward offline transactions. Originality/Values: The originality of this study lies in its integrated analysis of Sharia financial literacy, e-commerce, payment gateways, and social media in the specific context of coffee shop MSMEs in Medan City, offering a holistic view rarely explored in previous research. The findings can be implemented by promoting Sharia-based financial education, encouraging digital payment systems, and providing social media marketing training. Given the low impact of e-commerce, targeted digital transformation programs are needed to overcome local technological and knowledge barriers. These steps can help stakeholders support the sustainable growth of MSMEs in urban Muslim communities.
Sustainability Analysis of Craft Business in Mekar Sari Village, Asahan Regency: An Islamic Economic Review Harahap, Astri Sri Rezeki; Yusrizal, Yusrizal; Syahbudi, Muhammad
AL-FALAH : Journal of Islamic Economics Vol. 10 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v10i01.12698

Abstract

Purpose: This study aims to determine the sustainability of the craft business in Mekar Sari Village, Asahan Regency. Design/Method/Approach: This study uses a qualitative descriptive method. The data collection techniques include interviews, observations, questionnaires, and documentation. The subjects in the primary data collection consisted of five informants: palm broom business owners, business workers, business treasurers, and two product buyers. Secondary data were obtained from various relevant literature sources, such as books, scientific journals, online articles, and documents that support this research. This study adopts the SWOT analysis method to identify and eliminate various factors affecting microenterprises’ development. This analysis will divide internal factors affecting micro businesses into two main categories: strengths and weaknesses. On the other hand, the analysis will also include external factors that involve opportunities that can be used for the advancement of micro businesses, as well as threats that can be challenges or risks that need to be watched out for. Findings: The results of this study show that micro businesses with palm oil brooms obtained an IFAS score of 3.428571 and an EFAS score of 3.363636, which puts them in quadrant III. In the quadrant, the suggested strategy is a turnaround strategy, which aims to reduce internal weaknesses by taking advantage of existing opportunities. This turnaround strategy can be integrated with Islamic economics, focusing on justice, social responsibility, sustainability, and community empowerment. Originality/Values: This study’s implications can Help develop the palm oil broom craft business by using a SWOT analysis development strategy that includes strengths, weaknesses, opportunities, and threats, combining the Triple Bottom Line (TBL) concept. Thus, this craft business can develop not only in terms of profit but also make a positive contribution to the community and the surrounding environment, which ultimately increases market attractiveness and supports the sustainability of the craft business in palm oil brooms in the long term.
Interest in Money Waqf: Study on the Determinants of Money Waqf among Muslims in Palembang Afifah, Arta Amaliah Nur; Syatibi, Ibi
AL-FALAH : Journal of Islamic Economics Vol. 10 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v10i01.12752

Abstract

Purpose: This study tests the influence of knowledge, level of education, religiosity, socialisation, and income on the interest in waqf money in the Muslim community in Palembang. Design/Method/Approach: This study uses the SmartPLS 3.3.9 application and the Structural Equation Modelling (SEM) model approach as a quantitative research methodology. It uses questionnaire data with the criteria of Muslim respondents in Palembang who have an income and have never received money from a waqf. The sample size was determined based on Roscoe’s theory, which is at least 10 times the number of variables studied, so the minimum number of respondents is 60. Findings: Based on the results of this study, it was found that the variables of knowledge and religiosity did not have a significant effect, with a p-value greater than the significance level of 0.05. However, the variables of education, socialisation, and income significantly affect the interest of the Palembang city Muslim community in making money waqf in BWI South Sumatra Province. This proves that the money waqf in Palembang is greatly influenced by several factors, with a p-value of less than the significance level of 0.05. Originality/Values: The main contribution of this study is to provide a survey that is needed periodically through education to the Muslim community of the city of Palembang, so that it becomes a comprehensive study that can increase the public’s interest in doing money waqf.
Prominent Zakat Institutions and Their Role in Advancing the Welfare of the Muslim Community in The Eastern Province of Sri Lanka Raseethu Mohamed Kasjin; Mohamed Haniffa Mohamed , Nairoos
AL-FALAH : Journal of Islamic Economics Vol. 10 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v10i01.12819

Abstract

Purpose: This study focuses on institutionalized, prominent Zakat organizations and their role in advancing the welfare of Muslim communities in Sri Lanka. The Muslim second minority community carried out the Zakat several decades ago with the introduction of Islam. The primary objectives of this study are to introduce prominent Zakat institutions and to analyze the welfare contribution over the past five years from 2019 to 2023. Design/Method/Approach: This study used a mixed method. The primary data were collected through interviews with official representatives from four Zakat institutions operating in the following regions: Akkaraipattu, Kattankudi, Kinniya, and Sammanthurai. The interviews lasted between 50 and 60 minutes each. Secondary data was sourced from annual official publications and reports of the Zakat institutions, focusing on statistical figures that provide a quantitative perspective to complement the qualitative insights from the interviews. The qualitative data were transcribed and analyzed using thematic analysis. The quantitative secondary data were analyzed using descriptive statistics and interpreted to provide more accurate insights. Findings: The study highlights varying growth rates in Zakat collection and fluctuations across regions, with some Zakat fund collections experiencing sharp increases. In contrast, others showed declining patterns during the COVID-19 pandemic. All institutions played a pivotal role in advancing the welfare of the Muslim community. They focused on housing, food security, and self-employment, with additional contributions to education, healthcare, and social welfare. Originality/Values: The study suggests that Zakat institutions re-evaluate the mechanism used for the collection process, keep good relations with payers, and create a provincial and national regulatory body that regulates the rules, monitors the services, prioritizes the sectors to be highly focused on distributions, and connects with the government.
Profitability of State-Owned Commercial Banks in Bangladesh Based on Islamic PLS and Conventional Interests Ahmad, Faisal
AL-FALAH : Journal of Islamic Economics Vol. 10 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v10i01.12963

Abstract

Purpose: This research compares the profitability of state-owned commercial banks in Bangladesh operating under Islamic Profit-Loss Sharing (PLS) principles with conventional interest-based systems. Design/Method/Approach: This study uses a comparative quantitative approach, analyzing 10 years of financial data from state-owned commercial banks in Bangladesh. Profitability indicators (ROA, ROE, NPM, EPS) are compared between Islamic PLS and conventional interest-based operations. Statistical tools like t-tests and panel regression are used to identify significant differences and impacts. Findings: The study finds that state-owned commercial banks in Bangladesh operating under Islamic PLS models generally exhibit more stable but modest profitability than their conventional interest-based counterparts. While Return on Assets (ROA) and Net Profit Margin (NPM) are slightly higher in traditional operations, Islamic banking shows lower volatility and better risk-sharing attributes. The panel regression analysis reveals that the banking model significantly influences profitability, with conventional interest-based systems yielding higher short-term returns, whereas Islamic PLS promotes financial resilience. Originality/Values: This study uniquely compares profitability between Islamic PLS and conventional interest systems within state-owned banks in Bangladesh. It offers policymakers and bank managers valuable insights on optimizing dual banking operations.
Implementation of Sharia Marketing Characteristics for Gold Pawn Customers at Bank Mitra Syariah Gresik Fitriyah, Zahrotul; Ardyansyah, Farid
AL-FALAH : Journal of Islamic Economics Vol. 10 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v10i1.13204

Abstract

Purpose: Business competition is generally fierce, making it difficult for competitors or similar companies to attract customers. Some competitors may focus more on satisfying rather than optimising profits. The service must be done as well as possible to add value and attract customers. This study aims to see how Sharia marketing characteristics are implemented at Bank Mitra Syariah Gresik. Translated with DeepL.com (free version) Design/Method/Approach: This type of research is descriptive qualitative. Observation, interview, and documentation were applied as data collection methods. At this point, the researcher collects and organises the needed information, then presents the information according to the topic and summarises the findings, conclusions, and results based on the available evidence and data. Findings: Researchers use source triangulation to validate data. Sharia marketing has four characteristics at Bank Mitra Syariah Gresik: theoretical (rabbaniyah), realistic (al-waqi’yyah), ethical (al-akhlaqiyah), and humanistic (insanity), which have been implemented well. Originality/Values: This study highlights the real implementation of Sharia marketing characteristics at Bank Mitra Syariah Gresik, which positively impacts customer satisfaction. The theistic, ethical, realistic, and humanistic approaches have built a strong image and customer trust in Gold Pawn Services.

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