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Iqtisadie: Journal of Islamic Banking and Shariah Economy
Published by Sekolah Tinggi Agama Islam Al Fithrah
ISSN : -     EISSN : 28074157     DOI : https://doi.org/10.36781/iqtisadie
Core Subject : Economy,
Economics, Econometrics & Finance
that Journal is published twice a year every March and September. This journal contains studies on bank and non-bank Islamic financial institutions and Islamic economics. This journal can be accessed openly which means that all the content available is freely accessible at no cost, either to the user or to the institution. Users are permitted to read, download, copy, distribute, print, search, or cite the full text of the articles without having to seek prior permission from the publisher or author.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 76 Documents
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CAREER INTEREST IN ISLAMIC BANKING: THE ROLE OF REPUTATION, RELIGIOSITY, AND FINANCIAL REWARDS Nada Cantika Putri Kadua; Muhammad Usamah Al-Azamy
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 02 (2025): September 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i02.1219

Abstract

This study aims to examine the effects of corporate reputation, religiosity, and financial rewards on the career interest of Islamic banking students in pursuing employment within Islamic banks. The sample consists of 137 students majoring in Islamic Banking from three universities: UIN Sunan Kalijaga, Universitas Ahmad Dahlan, and Universitas Alma Ata. Data were collected using a Likert-scale questionnaire and analyzed through Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach using SmartPLS 4.0. The novelty of this study lies in its integrated examination of organizational, financial, and spiritual dimensions as predictors of career interest in the Islamic banking sector, a combination that has been rarely explored simultaneously in previous research. Additionally, by focusing on students from multiple universities with distinct institutional backgrounds, this study provides a more comprehensive and comparative understanding of factors shaping career aspirations in Islamic finance. This research is important to conduct because Islamic banks in Indonesia continue to face challenges in attracting highly motivated and competent young professionals, despite the sector’s rapid growth. Identifying the determinants that shape students’ intention to pursue careers in Islamic Banking is crucial for improving talent acquisition strategies, designing more appealing employer value propositions, and strengthening the long-term sustainability of the Islamic financial industry. The findings indicate that corporate reputation, religiosity, and financial rewards have a positive and significant influence on students’ interest in pursuing a career in Islamic Banking.
Memperkuat Ekonomi Hijau Islam Berbasis Masyarakat melalui Pengelolaan Bank Sampah Halim Jailani; Rudi Haryanto; Farahdilla Kutsiyah; Ridan Muhtadi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 6 No. 01 (2026): Maret 2026
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v6i01.1388

Abstract

This study aims to examine the role of Bank Sampah Mawar in strengthening a Community-Based Green Islamic Economy through community-based waste management in Marengan Daya Village, Sumenep Regency, Indonesia. The research employed a qualitative approach with a case study design. Data were collected through in-depth interviews, observations, and documentation involving eleven informants, including the director, management board members, active customers, a recycling-based entrepreneur, a religious leader, a community leader, and an academic expert. Data were analyzed using the interactive model of Miles, Huberman, and Saldaña through data condensation, data display, and conclusion drawing and verification. The findings reveal that Bank Sampah Mawar functions not merely as a waste management institution but also as a community empowerment platform that promotes environmental transformation, economic strengthening, social capital formation, and the internalization of Islamic values. Community-based waste management has enhanced ecological awareness, generated economic opportunities through green entrepreneurship, strengthened social solidarity, and embedded the values of khalifah (stewardship), amanah (responsibility), mizan (balance), ta’awun (mutual cooperation), and maslahah (public welfare) within the community. This study proposes a Community-Based Green Islamic Economy Model that explains the interrelationship among Islamic values, community participation, social capital, waste management, and green entrepreneurship in fostering economic empowerment, environmental sustainability, and sustainable welfare. The findings contribute to the advancement of Green Islamic Economy studies and offer an alternative community-based development model oriented toward sustainability and public benefit.
Efektivitas Penyaluran Beasiswa BAZNAS terhadap Keberlangsungan Pendidikan Siswa SMA di Kabupaten Pamekasan Shofail Asror; Ridan Muhtadi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 6 No. 01 (2026): Maret 2026
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v6i01.1389

Abstract

This study aims to analyze the effectiveness of the National Zakat Agency (BAZNAS) scholarship program in supporting the educational continuity of senior high school students in Pamekasan Regency. The study employed a descriptive qualitative approach through field research. Data were collected through interviews, observations, and documentation involving scholarship recipients, parents, BAZNAS program administrators, and school representatives. Data were analyzed using the Miles and Huberman model, including data reduction, data display, and conclusion drawing. The findings reveal that the BAZNAS scholarship program has been relatively effective in supporting the educational continuity of students from low-income families. The effectiveness is reflected in the accurate targeting of beneficiaries, fulfillment of educational needs, increased learning motivation, and reduced risk of school dropout. The program also contributes positively to students’ self-confidence, discipline, and participation in learning activities. Supporting factors include strong coordination between BAZNAS and schools, parental support, and an adequate beneficiary verification system. However, limited zakat funds, insufficient scholarship amounts, and suboptimal monitoring remain significant challenges. This study highlights that educational zakat serves not only as financial assistance but also as a strategic instrument for human capital development and sustainable social welfare improvement.
Perkembangan dan Kontribusi Penerbitan Sovereign Green Sukuk terhadap Ketahanan Ekonomi Berkelanjutan dan Penurunan Emisi Karbon di Indonesia (2018 - 2025) Farisul Haq
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 6 No. 01 (2026): Maret 2026
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v6i01.1483

Abstract

This study examines the development of Sovereign Green Sukuk issuance and its association with macroeconomic resilience indicators and emission-reduction achievements in Indonesia during 2018-2025. Using descriptive secondary-data analysis, this study juxtaposes Green Sukuk issuance and allocation data from the Directorate General of Budget Financing and Risk Management (DJPPR) with macroeconomic indicators from Statistics Indonesia (BPS) and the Green Sukuk Allocation and Impact Report. The results show cumulative Green Sukuk issuance reached USD 6,9 billion (2018-2022) and USD 9,59 billion (2018-2023), with additional global issuances of USD 600 million (2024) and USD 1,1 billion (2025) whose granular allocation data remain unpublished. Environmentally, ST007-funded projects are associated with an emission reduction of approximately 1,12 million tons of CO2e, while official reporting indicates the first four issuances (2018-2021) cumulatively exceeded 10 million tons of CO2e in reduction. The study concludes that Green Sukuk functions as a fiscal policy instrument integrating environmental preservation principles (hifz al-bi’ah) with national climate adaptation, while noting that all contribution claims remain associative-descriptive rather than statistically causal.
Rekonstruksi Perlindungan Hukum Nasabah dalam Restrukturisasi Pembiayaan Bermasalah pada Perbankan Syariah Berbasis Prinsip Keadilan Afdolul Anam; Rima Oktavia
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 02 (2025): September 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i02.1489

Abstract

Non-performing financing is one of the significant issues in Islamic banking that may create an imbalance in the legal relationship between banks and customers. Financing restructuring serves as one of the mechanisms for resolving such problems by providing customers with an opportunity to fulfill their obligations while enabling banks to maintain financing quality. However, its implementation may raise legal concerns regarding transparency, objective assessment of customers’ repayment capacity, proportionality of obligations, and the balance of the parties’ positions. This study aims to analyze the legal protection of customers in the restructuring of problematic financing in Islamic banking and to formulate a reconstruction of legal protection based on the principle of justice. This research employs normative legal research using statutory, conceptual, and case approaches. The case analysis focuses on Supreme Court Decision Number 401 K/Ag/2020 involving PT Panah Jaya Steel and PT Bank Victoria Syariah. The findings indicate that customer legal protection has a normative basis but requires substantive strengthening, particularly in the formation and implementation of financing restructuring. The reconstruction of legal protection should be based on the principles of transparency, objectivity, proportionality, and good faith. Therefore, restructuring should not merely function as an instrument for protecting banks from financing losses, but also as a legal mechanism capable of establishing a fair and balanced resolution for customers.
Non-Performing Financing (NPF) dalam Tinjauan Maqāṣid al-Syarī'ah: Analisis Preventif Berdasarkan Al-Qur'an dan Hadis Nanang Qosim
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 02 (2025): September 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i02.1500

Abstract

Non-Performing Financing (NPF) is a key indicator of Islamic banking health that affects financial stability and public trust. This study aims to examine thematically how the teachings of the Qur'an and Hadith implicitly establish a preventive framework that prohibits all conditions leading to NPF, using maqāṣid al-sharī'ah as the analytical lens. The research employs a qualitative library research method with a thematic exegesis (tafsīr mauḍū'ī) approach to mu'amalah verses and an analysis of economic transaction hadiths. The findings reveal at least six Qur'anic principles that implicitly prevent NPF: (1) the obligation of transaction documentation (QS. Al-Baqarah: 282); (2) the prohibition of consuming wealth unjustly (QS. An-Nisā': 29); (3) the obligation to fulfill contracts (QS. Al-Mā'idah: 1; Al-Isrā': 34); (4) the prohibition of riba as an elimination of debt-trap mechanisms (QS. Al-Baqarah: 275–279); (5) the prohibition of gharar and speculation (HR. Muslim); and (6) the prohibition of payment delay by the capable (maṭl al-ghaniyy ẓulm, HR. Al-Bukhari-Muslim). Within the maqāṣid al-sharī'ah framework, NPF violates the principles of ḥifẓ al-māl, ḥifẓ al-dīn, and ḥifẓ al-'aql. The study concludes that substantive rather than merely formal sharia compliance constitutes the most effective preventive mechanism for reducing NPF, rendering it not only a regulatory obligation but also a theological trust.
Paradigma Konsumsi Al-Qur'an: Mengintegrasikan Teori Thayyiban ke Dalam Gaya Hidup Halal Kontemporer Faza Zahira; Khotib Khotib; Abdur Rohman
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 6 No. 02 (2026): September 2026
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v6i02.1386

Abstract

This study aims to find out how the implementation of murābaḥah financing based on fatwa DSN MUI no. 04/DSN-MUI/IV/2000 at KSPP Syariah BMT NU Pragaan Branch. This research method uses field qualitative, with data collection by observation, interviews, and documentation. The results showed that the general provisions of murābaḥah financing to the type of guarantee used in the Sharia KSPP BMT NU Pragaan Branch were in accordance with the fatwa of DSN MUI no. 04/DSN-MUI/IV/2000. Where in its application, if there are doubtful things related to murābaḥah financing transactions, the Sharia KSPP Center BMT NU East Java held a bahtsul masail by presenting the chairman of the Indonesian Ulema Council (MUI) East Java. As for the purchase of goods at KSPP Syariah BMT NU Pragaan Branch using two options, the first purchase of goods is carried out by the manager himself and the second is purchased by partners as representatives of the manager.
Strategi Optimalisasi Zakat Profesi Aparatur Sipil Negara (ASN) Pada BAZNAS Kabupaten Pamekasan Taufik Hidayat; Ridan Muhtadi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 6 No. 02 (2026): September 2026
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v6i02.1390

Abstract

This study aims to analyze the optimization strategy of professional zakat collection from Civil Servants (ASN) at BAZNAS Pamekasan Regency and to identify the supporting and inhibiting factors affecting its implementation. The study employed a qualitative approach using a case study design. Data were collected through interviews, observations, and documentation involving BAZNAS leaders and administrators, ASN as muzakki, Zakat Collection Unit (UPZ) administrators, and local government policymakers. Data were analyzed using the Miles, Huberman, and Saldaña interactive model, including data condensation, data display, and conclusion drawing. The findings reveal that the optimization strategy is implemented through the establishment and strengthening of UPZs, continuous socialization programs, payroll system implementation, collaboration with local government, and digitalization of zakat services. Supporting factors include Regional Regulation No. 7 of 2008, local government support, the role of UPZs, ASN religiosity, and transparent zakat management. Meanwhile, inhibiting factors consist of low zakat literacy, the preference of some ASN to distribute zakat directly to beneficiaries, incomplete payroll system coverage, and limited human resources. This study proposes the SINERGI ZAKAT ASN Model, consisting of Sustainable Socialization, Integration of Local Policies, Networking among BAZNAS-UPZ-OPD, Zakat Literacy Education, Regulatory Reinforcement, Good Governance, and Digital Service Innovation as a strategic framework for optimizing professional zakat collection among civil servants.
The Pengukuran Kinerja Bank Umum Syariah di Indonesia Menggunakan Metode Islamicity Performance Indeks (IPI) Sri Wulandari; Ismawati Ismawati; Supriadi Hamid; Ambo Asse; Samsul Arifai
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 6 No. 02 (2026): September 2026
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v6i02.1455

Abstract

This study aims to compare the performance of Islamic commercial banks in Indonesia using conventional indicators and the Islamicity Performance Index (IPI), while also assessing the comprehensiveness of the IPI in representing financial, social, and Sharia compliance dimensions. A descriptive quantitative approach was employed using secondary data from the annual reports of six Islamic commercial banks for the 2019–2023 period. Conventional performance was measured through Return on Assets (ROA) and Return on Equity (ROE), while Sharia performance was evaluated using the Profit Sharing Ratio, Zakat Performance Ratio, Equitable Distribution Ratio, Directors–Employees Welfare Ratio, Islamic Investment versus Non-Islamic Investment, and Islamic Income versus Non-Islamic Income. The findings show that Bank BTPN Syariah recorded the highest profitability based on ROA and ROE, whereas Bank Syariah Indonesia achieved the highest IPI score of 59 in 2023. Most banks were classified as fairly good, while Bank KB Bukopin Syariah declined to the poor category in 2023. Halal investment and income indicators showed very strong results, but zakat distribution, qard, dividends, and profit distribution remained suboptimal. The study concludes that high profitability does not necessarily reflect stronger Sharia performance; therefore, conventional indicators and the IPI should be used jointly to obtain a more comprehensive assessment of Islamic bank performance.
Pengaruh Sikap Qona’ah Terhadap Perilaku Konsumsi Santriwati Pondok Pesantren Darul Hikmah Bangkalan Siti Maulidiya; Achmad Junaidi; Ulya Dharodjah
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 6 No. 02 (2026): September 2026
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v6i02.1458

Abstract

The rapid development of information technology, e-commerce, and social media has triggered a shift in the consumption patterns of the younger generation toward a consumptive lifestyle, and Islamic boarding schools (pesantren) are no exception. This study aims to empirically analyze the effect of the qona’ah attitude (contentment) on the consumption behavior of female students (santriwati) at the Darul Hikmah Langkap Burneh Islamic Boarding School in Bangkalan. This study employs a quantitative approach with a causal associative design. The population comprised 412 active female students, with a sample of 40 respondents selected through a purposive sampling technique based on criteria such as exposure to online shopping trends and monthly expenditure allocations. Data were collected using a structured Likert-scale questionnaire. The data were analyzed using validity tests, reliability tests, classic assumption tests (normality and linearity), and simple linear regression analysis via SPSS. The results of the hypothesis testing (t-test) showed a tstatistic value of 4,822 > ttable (1,68385) with a significance value of p < 0,001 (< 0,05). The regression coefficient was positive (b = 0,569), indicating a partial, positive, and significant effect of the qona’ah attitude on the female students' consumption behavior. These findings prove that the stronger the internalization of the qona’ah attitude, the more orderly, rational, and Islamic the consumption behavior of female students becomes in prioritizing primary needs (daruriyah) over secondary or tertiary desires

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