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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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The Kemudahan, Keamanan, Kualitas Informasi Terhadap Penggunaan BYOND By BSI: Moderasi Pemahaman Agama Wina Pradita; St. Hafsah Umar; Asyraf Mustamin; Ilham Gani; Samsul
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.v6i02.1507

Abstract

The digital transformation of Islamic banking through BYOND by BSI requires a better understanding of the factors that encourage service usage, particularly among university students. This study examines the effects of ease of use, security, and information quality on the use of BYOND by BSI and investigates the moderating role of religious understanding among students of the Faculty of Islamic Economics and Business at UIN Alauddin Makassar. A quantitative correlational approach was employed. Primary data were collected through a five-point Likert-scale questionnaire administered to 100 students who use BYOND by BSI and analyzed using multiple linear regression and Moderated Regression Analysis with IBM SPSS Statistics 27. The findings indicate that ease of use, security, and information quality each have a positive and significant effect on the use of BYOND by BSI. Religious understanding also strengthens the effects of all three variables on service usage. The research model explains 51% of the variation in BYOND by BSI usage. These findings demonstrate that the adoption of Islamic digital banking services is influenced not only by the technical quality of the service but also by users’ religious understanding.
The Digital Marketing dan Brand Image terhadap Keputusan Cicil Emas melalui Persepsi Manfaat Mutmah Inna; Supriadi; Nasrullah Bin Sapa; Ilham Gani; Samsul
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.v6i02.1509

Abstract

This study aims to analyze the effect of Digital Marketing and Brand Image on customers’ decisions to use Gold Installment financing, with Perceived usefulness as an intervening variable at BSI KCP Watansoppeng. A quantitative approach was employed using primary data collected through questionnaires distributed to 96 respondents selected by purposive sampling. Data were analyzed using SPSS 27 through multiple linear regression, path analysis, and the Sobel test. The results show that Digital Marketing and Brand Image have positive and significant effects on Customer Decisions. Both variables also have positive and significant effects on Perceived usefulness, while Perceived usefulness has a positive and significant effect on Customer Decisions. The Sobel test indicates that Perceived usefulness significantly mediates the effect of Digital Marketing on Customer Decisions, with a test statistic of 3.005 and a p-value of 0.00265, and the effect of Brand Image on Customer Decisions, with a test statistic of 2.276 and a p-value of 0.0228. These findings indicate that Digital Marketing, Brand Image, and perceived usefulness play important roles in encouraging customers to choose Gold Installment financing.
Problematika Tata Kelola Program Makan Bergizi Gratis: Analisis Efisiensi Ekonomi, Keadilan Distribusi, dan Maqashid Syariah Nur Kholis
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.v6i02.1511

Abstract

The Free Nutritious Meal Program (MBG) is a public policy intervention that connects the agendas of nutritional improvement, human capital development, food security, and local economic empowerment. This study analyzes the governance challenges of MBG through three interconnected perspectives: economic efficiency, distributive justice, and maqashid al-shariah. The study employs a qualitative approach with a case study design, utilizing semi-structured interviews, observations, and document analysis as data sources. The data were analyzed using reflexive thematic analysis through deductive coding based on the three main perspectives and inductive coding of emerging operational issues. The analysis identifies six central issues: tensions between program expansion and local governance capacity; efficiency that cannot be equated with cost reduction; disparities in distribution quality; food safety as a governance issue; tensions between national standardization and local needs; and a shift in orientation from food distribution toward the achievement of public benefit. Recent literature indicates that school feeding programs can improve food consumption, food security, and several health outcomes, but their success is strongly influenced by policy design, implementation capacity, supply chains, food safety, and monitoring mechanisms. From the perspective of maqashid al-shariah, efficiency is positioned as an instrument for resource management, justice as a principle of distribution, while hifz al-nafs, hifz al-'aql, and hifz al-nasl serve as normative orientations. This study proposes an MBG governance model that integrates efficiency, justice, food safety, transparency, public participation, and public benefit as policy performance indicators.
Estimasi Model OLS pada Kontribusi Instrumen Keuangan Syariah terhadap PDB Indonesia Zahrotul Ummi; Bahrina Almas
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: 10.67367/iqtisadie.v6i02.1512

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh zakat, sukuk korporasi, dan pembiayaan syariah terhadap pertumbuhan ekonomi Indonesia yang diproksikan melalui Produk Domestik Bruto (PDB). Penelitian menggunakan pendekatan kuantitatif dengan data time series kuartalan periode 2017–2024 yang bersumber dari Badan Pusat Statistik (BPS), Badan Amil Zakat Nasional (BAZNAS), dan Otoritas Jasa Keuangan (OJK). Analisis dilakukan menggunakan metode regresi Ordinary Least Squares (OLS) dengan pengujian asumsi klasik untuk memastikan kelayakan model. Hasil penelitian menunjukkan bahwa secara simultan zakat, sukuk korporasi, dan pembiayaan syariah berpengaruh signifikan terhadap pertumbuhan ekonomi Indonesia, namun secara parsial masing-masing variabel menunjukkan hasil berbeda. Zakat dan sukuk korporasi tidak berpengaruh signifikan terhadap pertumbuhan ekonomi, sedangkan pembiayaan syariah berpengaruh positif dan signifikan, menegaskan perannya yang strategis dalam mendorong investasi dan kegiatan usaha di sektor riil. Temuan ini menunjukkan bahwa optimalisasi pengelolaan dan penyaluran instrumen keuangan syariah, khususnya zakat dan sukuk korporasi, perlu ditingkatkan agar kontribusinya terhadap pertumbuhan ekonomi Indonesia dapat lebih efektif dan berkelanjutan.
Pengaruh Deinfluencing Terhadap Niat Beli: Kredibilitas Sumber Sebagai Variabel Mediasi Shafaratin Nurul Hasanah; Suyyinah Suyyinah
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: 10.67367/iqtisadie.v6i01.1547

Abstract

The rapid growth of influencer marketing on platforms such as TikTok, Instagram, and YouTube has given rise to a counter-movement known as deinfluencing, in which content creators explicitly encourage audiences to avoid excessive or impulsive consumption. Although academic interest in influencer marketing continues to expand, the mechanisms through which deinfluencing content influences consumers' purchase intentions remain insufficiently theorized. In particular, the mediating role of source credibility in this relationship has received limited empirical attention. This study aims to address this gap by examining the direct and indirect effects of deinfluencing on purchase intention, with source credibility—comprising expertise, trustworthiness, and attractiveness—as the proposed mediating variable. Using a quantitative explanatory research design, data were collected from 130 active TikTok and Instagram users who had been exposed to deinfluencing content, selected through purposive sampling. Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed to analyze the data using SmartPLS 3. The results indicate that deinfluencing has a significant effect on source credibility. Furthermore, deinfluencing significantly influences purchase intention, while source credibility also has a significant effect on purchase intention. In addition, source credibility fully mediates the relationship between deinfluencing and purchase intention. These findings suggest that the effectiveness of deinfluencing content in shaping consumer purchase intentions largely depends on the perceived credibility of the content creator.
Faktor-Faktor Yang Mempengaruhi Perilaku Keuangan Mahasiswa Shafaratin Nurul Hasanah; Suyyinah Suyyinah
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: 10.67367/iqtisadie.v5i02.1551

Abstract

The rapid advancement of information technology and the digitalization of non-cash payment systems have significantly altered university students' consumption patterns, triggering impulsive buying behaviors. This study aims to analyze the factors influencing the financial behavior of university students, focusing on financial literacy, social environment, and lifestyle. A quantitative causal-descriptive research design was employed. Primary data were gathered using a five-point Likert scale questionnaire distributed to 80 students at the Faculty of Islamic Economics and Business, Institut Agama Islam Nazhatut Thullab Sampang, selected via the census method. Data analysis was comprehensively conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 3.0 software. The hypothesis testing results demonstrate that financial literacy has a positive and significant effect on students' financial behavior, indicating that a solid understanding of basic financial concepts fosters more rational budgeting and financial decision- making. Lifestyle is also proven to have a positive and significant effect on shaping financial behavior, where controlling lifestyle orientation is a crucial aspect of maintaining financial stability. Conversely, the social environment does not show a significant influence on students' financial behavior, suggesting that fund management decisions among the respondents are heavily dominated by individual internal factors rather than external group pressures. Higher education institutions are expected to design regular educational programs to enhance independent financial literacy skills among students. 

Page 8 of 8 | Total Record : 76

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