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Al-Muhtarifin: Islamic Banking and Islamic Economic Journal
Published by Universitas Muhammadiyah Sumatera Utara
ISSN : -     EISSN : 28099699     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal is published by Islamic Banking Department, Faculty of Islamic Religion, University of Muhammadiyah Sumatera Utara . Published twice a year (January and July). Jurnal Al-Muhtarifin is a scientific journal that contains the results of research and theoretical studies on Islamic Banking and Islamic Economic issues. Paper presented in Jurnal Al-Muhtarifin are solely author responsibility. The editorial board may edit without changing the substance of the paper.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
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Search results for , issue "Vol 4, No 2 (2025): Jun 2025" : 6 Documents clear
Development Of Smart Islamic Finance: Synergy Of Artificial Intelligence And Sharia Economic Principles badawi, afif
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 4, No 2 (2025): Jun 2025
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v4i2.25491

Abstract

This research explores the integration of Artificial Intelligence (AI) in the Islamic financial system to create an innovative and sharia principle-compliant Smart Islamic Finance. Using qualitative research methods through literature studies and systems analysis, the findings show that AI can revolutionize four main aspects: (1) automated sharia screening, (2) risk management based on sharia maqashid, (3) optimization of zakat distribution, and (4) big data-based product development. The main challenges include the need to develop algorithms based on fiqh muamalah and handling data bias. This paper presents a conceptual framework for AI-sharia integration as well as policy recommendations for regulators.
Beyond Digital: Bringing Technology and Value Together in Sharia Fintech Sirait, Frida Yanti
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 4, No 2 (2025): Jun 2025
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v4i2.25486

Abstract

The digital transformation that has taken place in the last decade has changed the face of the global financial system as a whole. Financial technology or fintech has opened up new spaces for financial inclusion, especially for people who were previously unreached by formal financial services. In the context of Muslim society, the presence of sharia fintech is very important because it offers financial services that are not only innovative, but also in line with Islamic values. This research aims to examine in depth how sharia fintech plays a role in answering the challenges of financial inclusion based on Islamic values in the digital economy era. The qualitative approach was used by the method of literature study and in-depth interviews with industry players, academics, and users of sharia fintech. The results of the study show that sharia fintech is not only a technological solution, but also a value movement that brings the spirit of justice, transparency, and blessings in modern financial practices. This study concludes that the success of sharia fintech in expanding financial inclusion depends on the community's sharia financial literacy and regulations that support the principles of sharia maqashid as a whole.
The Influence of Cashless Society and Financial Literacy on Gen Z's Consumptive Behavior with Self-Control as an Intervening Variable Dewi, Cahaya Maulida; Hana, Kharis Fadlullah
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 4, No 2 (2025): Jun 2025
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v4i2.25287

Abstract

The increasing use of digital transactions among students encourages more practical financial patterns, but is prone to triggering consumptive behavior. Meanwhile, financial literacy that has not been fully implemented is an obstacle in controlling the urge to digital consumption. This study aims to analyze the effect of cashless society and financial literacy on consumptive behavior with self-control as an intervening variable. The quantitative descriptive associative research approach using SEM-PLS on FEBI UIN Sunan Kudus Students. The results of the study indicate that cashless society has a positive and significant effect on consumptive behavior, while financial literacy does not have a significant effect on consumptive behavior. Cashless society also does not affect self-control, but financial literacy has a positive effect on self-control. Self-control has a positive effect on consumptive behavior and mediates the effect of financial literacy on consumptive behavior, but does not mediate the effect of cashless society on consumptive behavior. Further research is recommended to expand the scope of the population and respondent area, use a mixed methods approach, and add other variables.
MANAJEMEN LIKUIDITAS PERBANKAN SYARIAH: KUNCI STABILITAS KEUANGAN YANG BERKELANJUTAN Al qusyairi, Ibnu
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 4, No 2 (2025): Jun 2025
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v4i2.22611

Abstract

Manajemen likuiditas memiliki peran untuk mengamati stabilitas keuangan, terutama dalam konteks perbankan syariah. Bank syariah, yang beroperasi berdasarkan prinsip-prinsip hukum Islam, menghadapi tantangan tersendiri dalam pengelolaan likuiditas akibat keterbatasan instrumen keuangan yang sesuai dengan syariah. Penelitian ini bertujuan untuk menggali pentingnya manajemen likuiditas dalam perbankan syariah dan dampaknya terhadap stabilitas sistem keuangan. Pengelolaan likuiditas yang efektif memungkinkan bank syariah untuk memenuhi kewajiban jangka pendek, mempertahankan solvabilitas, dan memastikan keberlanjutan operasional tanpa melanggar prinsip-prinsip syariah, seperti larangan terhadap riba (bunga) dan gharar (ketidakpastian). Stuidi ini menggunakan penelitian kualitatif dengan melakukan analisis terhadap berbagai literatur, regulasi, dan praktik terbaik dalam manajemen likuiditas di bank syariah. Hasil penelitian menunjukkan bahwa pengelolaan likuiditas yang baik dapat memperkuat daya saing bank syariah, meningkatkan kepercayaan publik, dan memberi kontribusi positif bagi kestabilan sistem keuangan secara keseluruhan. Oleh karena itu, penting bagi regulator dan praktisi perbankan syariah untuk terus mengembangkan kebijakan dan instrumen yang sejalan dengan prinsip-prinsip syariah demi memastikan stabilitas keuangan yang berkelanjutan.Kata Kunci: manajemen likuiditas, perbankan syariah, stabilitas keuangan, sistem keuangan
Pengaruh Corporate Image dan Good Corporate Governance Terhadap Loyalitas Melalui Kepuasan Nasabah Bank Syariah Indonesia prasetya, giverra putri
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 4, No 2 (2025): Jun 2025
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v4i2.25274

Abstract

Although the islamic banking sector in Indonesia is still growing, retaining customers is one of the biggest challenges. This research aims to determine the extent of the influence of corporate image and good corporate governance on customer loyalty at Bank Syariah Indonesia with customer satisfaction as a mediating variable. This research employs a quantitive approach using primary data through the spread of questionnaire online by customers in Pati, Kudus, and Jepara which was analyze SEM-PLS use SmartPLS 3.0 version. The result show that corporate image does not have a direct or an indirect effect on customer loyalty with customer satisfaction as an intervening variable. Nevertheless, good corporate governance directly affects customer loyalty and indirectly through customer satisfaction as an intervening variable. Customer satisfaction has an significant effect on customer loyalty. The result suggest that Bank Syariah Indonesia must increase the relevance of the corporate image program also strengthen the good corporate governance management. Customer satisfaction is the key to maintaining loyalty.
Indonesia dalam Meningkatkan Inklusi Keuangan Irwandi, Irwandi
Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Vol 4, No 2 (2025): Jun 2025
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almuhtarifin.v4i2.25483

Abstract

This study aims to analyze the role of Islamic banking in increasing financial inclusion in Indonesia through microfinance products such as murabahah, ijarah, and qardhul hasan financing. With a descriptive qualitative approach, data were collected through literature studies and documentation from OJK, BI reports, and official publications of Islamic banks. The results of the study indicate that Islamic microfinance is able to reach unbankable communities, especially MSMEs. However, challenges in the form of lack of Islamic financial literacy and limited reach of digital services are still major obstacles. This study recommends strengthening Islamic financial education strategies and digitalization of services to support sustainable financial inclusion.

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