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ITQAN: Journal of Islamic Economics, Management, and Finance
Published by Yayasan Mitra Peduli Indonesia
ISSN : -     EISSN : 28100700     DOI : 10.57053
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
ITQAN: Journal of Islamic Economics, Management, and Finance (E-ISSN: 2810-0700) is a scientific journal which focuses on the field of business. The scope of the journal is in the fields of Economics, Management, and Islamic Finance with sub-themes including Business Management, ZISWAF Management, Islamic Social Finance, Sharia Accounting, and related.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 56 Documents
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Comparison of Murabahah and Musyarakah Financing in Home Ownership Hammam, Syafiq Dzikrul; Bahri, Efri Syamsul
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 1 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i1.56

Abstract

This study aims to compare the Murabahah and Musyarakah models regarding homeownership financing. This study uses a qualitative method with a descriptive, comparative, and literature study approach. The results of this study indicate that Murabahah and Musyarakah contracts can be used to finance home ownership. In-home financing using Murabahah and Musyarakah contracts has similarities, including the type of sharia financing. The Financial Accounting Standards Statement (PSAK) used is also included in the sharia standard. The difference between the two home financing contracts is that the Murabahah contract uses PSAK No. 102. Then the Musyarakah contract uses PSAK No. 106. The relationship between the bank and the customer in the Murabahah contract is between the seller and the buyer, while in the Musyarakah contract, it is a partnership. Installments in the Murabahah contract use fixed costs. Meanwhile, the Musyarakah contract will decrease from year to year. In the Murabahah contract, the house's value is the purchase price plus margin, while in the Musyarakah contract, it is according to the purchase price. The transfer of ownership rights in a Murabahah contract begins at the contract's start. In contrast, in a Musyarakah contract, the transfer of ownership rights is carried out in stages according to the installments.
The Influence of Situational Leadership Style and Work Orientations on Employee Performance in Jakarta Islamic Banking Industry Junaedi, Edy; Ali, Juhary
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 1 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i1.57

Abstract

Leadership style has a strategic role in increasing employee performance, especially in the Islamic banking sector. This study examines the influence of leadership style and work orientation on employee performance in the Islamic banking industry in Jakarta. This study uses a quantitative method with a descriptive approach with a questionnaire as the main instrument, tested for validity and reliability through a preliminary trial. This research used a purposive sampling technique; data was collected from 364 employees from 12 Islamic commercial banks and Islamic business units. Data were analyzed using the PARTIAL least Square Sequential Equation Model (PLS-SEM) method. The results of the study found that situational leadership style has a significant influence on employee performance. In addition, work orientation also has a significant influence on improving performance. These findings indicate that leaders in Islamic banking need to encourage innovation, listen to employee expectations, and communicate effectively to achieve optimal performance. In this study, adjusting leadership style to the unique context of Islamic banking has been shown to increase employee productivity. Organizations in the Islamic banking sector are advised to adopt an inclusive leadership style and focus on developing a culture of innovation to drive better results.
Waqf as an Islamic Endowment: A Solution for Improving Educational Attainment in Northern Nigerian Communities Muhammad, Adamu Abubakar; Ardo, Adam Muhammad Ardo; Aliyu, Shafa’at Ahmad; Muhammad, Zuwaira Jibril
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 1 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i1.58

Abstract

About 6 out of 10 pupils in Northern Nigerian rural areas are left behind in educational attainment due to poverty, lack of parental support, insecurity challenges, or cultural disparity. This study aims to describe the relationship between socioeconomic status and educational goals in Northern Nigeria and how using and revitalizing Waqf institutions might advance education in the region. Because of socioeconomic factors like poverty, cultural norms, and underfunded educational systems, Northern Nigeria faces significant challenges that impede access to high-quality education and educational goals despite numerous government initiatives. A review of the literature, case studies, and expert interviews are all part of the qualitative technique used in this study. These techniques make it possible to fully comprehend the difficulties the local educational system faces and the historical and contemporary contributions of Waqf institutions to the advancement of education in northern Nigerian communities. Examining pertinent theoretical frameworks and empirical research yields important insights into how Islamic endowment systems can lessen notable educational gaps in the region, which is one of the significant findings of the current research. It also revealed that Waqf models that have worked well in other Muslim countries draw attention to the potential applications for more benefits and to finance education for underprivileged students. Ultimately, the study recommends that including Waqf in educational financing would provide practical, long-term methods to improve educational objectives in the area and lessen the detrimental effects of the socioeconomic crisis.
The Influence of QRIS Service Costs on Technology Adoption and Micro, Small and Medium-sized Enterprises Performance Midsurnight, Richie Bagus; An'im Kafabih
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 1 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i1.59

Abstract

This study aims to analyze the factors that can influence SMEs in adopting QRIS payment system technology and the influence of technology adoption on SMEs' performance. This study uses the UTAUT theory as a fundamental theory in knowing the factor factors of technology adoption in SMEs, which is expanded as a theoretical framework in which fee value is added as a construction of UTAUT. Using SME's performance variable as a dependent variable to determine the impact of adopting a QRIS pay system technology. The study uses a quantitative approach to analyze the adoption technology of QRIS and the performance of SMEs. The analytical tool used is SEM-PLS with SmartPLS as an application to explain the research model. One hundred four respondents were selected through probability sampling. The research results showed that the entire construction of the variables UTAUT (Performance expectancy, effort expected, social influence, facilitating condition) and fee value positively and significantly influenced the adoption of QRIS payment system technology. Moreover, adopting QRIS payment system technology positively and significantly impacts SME performance in Semarang City.
E-Commerce Fraud Perceptions in Pakistan and Impacts of Risks and Preventive Measures Ahmad, Faraz; Simpao, Kristine Joy
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 1 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i1.61

Abstract

This study delves into the perceptions of e-commerce fraud in Pakistan by assessing the risks and preventive measures against such fraudulent activities. Employing a robust methodology that encompasses surveying a diverse group of stakeholders in the Pakistani e-commerce sector, this study scrutinizes their perspectives and experiences. The findings reveal a heightened concern regarding fraudulent practices, significantly challenging the industry's integrity and consumer trust. This concern is exacerbated by the rapid growth of e-commerce, making fraud prevention a critical issue. The study's statistical analysis sheds light on the prevalent types of fraud and their impact on consumers and businesses and evaluates the effectiveness of current prevention strategies. This conclusion draws attention to the need for more robust, multifaceted approaches to combat e-commerce fraud. Recommendations have been proposed to enhance fraud detection and prevention mechanisms. These include adopting advanced technological solutions, increasing consumer awareness, and implementing strict regulatory measures.
Maqashid Al-Syariah as a Contemporary Economic Solution According to Yusuf Al-Qaradawi Hikmah, Nurul; Yazid, Muhammad
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 1 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i1.62

Abstract

This study explores the role of Maqashid Al-Shariah in addressing contemporary economic challenges. It examines Yusuf Al-Qaradawi's perspective on applying Islamic principles to achieve a just and equitable economic system. The research analyzes Al-Qaradawi's views on poverty, wealth inequality, and riba (interest), emphasizing the importance of Maqashid Al-Shariah in promoting social justice and ethical economic practices.  The study employs a qualitative approach, analyzing Al-Qaradawi's writings and relevant literature on Islamic economics. It investigates the application of Maqashid Al-Shariah in various economic contexts, including Islamic finance, resource distribution, and trade. The findings highlight the potential of Maqashid Al-Shariah to guide economic policies toward achieving common welfare (maslahah) and avoiding harm (mafsadah). The study concludes that Al-Qaradawi's approach offers valuable insights for building a more just and sustainable economic system, particularly in the face of globalization and financial crises.
Sharia Review of Online Sale and Purchase of Gold on Antam Website Hidayat, Roni
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 1 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i1.69

Abstract

Presently, people are increasingly interested in investing in gold, a stable financial instrument purchased at Antam. This secured and efficient website provides online gold sale and purchase services to the public, with delivery through boutiques and couriers. However, the transaction method compliance questions with Sharia principles because gold is delivered several days after payment, which has the potential to conflict with the concept of Yadan bi Yadin. This research aims to analyze whether online gold sale and purchase on Antam website is in accordance with the concept of Fiqh Muamalah and Maqashid Sharia. Data were collected from preliminary sales and analyzed using the content method. The result showed that online gold sale and purchase at Antam, does not conflict with the principle of Yadan bi Yadin, because non-cash is permitted, provided gold is not used as an official means of exchange (money) and the transaction meets the pillars and conditions of Salam sale and purchase. Based on the perspective of Maqashid Sharia, this service fulfills the objectives of Sharia. In conclusion, the practice of sale and purchase gold online on the official Antam website is in accordance with Sharia.
Al-Hawalah Transactions in the Perspective of Islamic Economics Based on the Thoughts of Wahbah Az-Zuhaili Saputra, Wali
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 1 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i1.72

Abstract

This research endeavor seeks to elucidate the sharia economic perspective regarding al-Ḥawālah transactions. This investigation constitutes a librarianship inquiry that employs a descriptive methodological framework. The data source for this scholarly research is secondary in nature, specifically the Book of Islamic Fiqih Wa Adillatuhu authored by Wahbah az-Zuhaili. The findings of the research revealed that, firstly, al-Ḥawālah engenders three distinct legal ramifications. Secondly, there exist seven stipulations that may culminate in the termination of al-Ḥawālah. Thirdly, the al-Muhaal'alaihi Party is entitled to pursue redress from the al-Muhiil party contingent upon the fulfillment of the three specified criteria. Fourthly, the form of indemnification that al-Muhaal'alaihi may solicit from al-muhiil, in accordance with the prevailing al-Muhaal bihi, does not necessarily align with the amount he remitted to al-Muhaal. Fifthly, in the event of a dispute between al-Muhiil and al-Muhaal, the assertions and statements of al-Muhiil, accompanied by his sworn testimony, are deemed authoritative. Sixthly, the loans extended with the intention of generating profit for the debt lender are recognized as makruh tahriim by Hanafiyyah scholars.
The Birth History of Sharia Financial Institutions and Their Contribution to the Economic Development of the Ummah in Indonesia Zulkarnain; Arif, Zainal
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 1 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i1.70

Abstract

Research on the history of the birth of Sharia financial institutions and their contribution to development in Indonesia was carried out in November - December 2024. This research aims to analyze the history of the birth of Sharia financial institutions and their development since their inception, as well as their contribution to the economic development of the people in Indonesia. This research uses literature review and historical review methods from various sources from books and journals. The research results explain that Islamic financial institutions were born as an alternative solution to conventional system financial institutions, which were considered not by Islamic principles, especially in terms of riba (interest), gharar (uncertainty), and maysir (gambling) transactions. As time changes, Sharia financial institutions in Indonesia are proliferating, covering various types of institutions, ranging from Sharia banks, Sharia microfinance institutions, and Sharia insurance to Sharia capital markets. The presence of Sharia financial institutions has gained public trust and has been proven to contribute to the economic development of the people in Indonesia.
Building Healthcare Sector in Post-Pandemic Era: Potential Role of Islamic Social Finance Choiriyah, Evi Aninatin Ni’matul; Mubarak, Darihan; Indrawan , Imam Wahyudi
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 2 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i2.73

Abstract

Islamic social finance instruments can be adopted to restore and achieve a healthy life and promote welfare after COVID-19, integrated with SDGs number three. As Islamic social finance instruments, Zakat, Infaq, Sadaqah, and Waqf play a significant role in solving marginalization and vulnerability that focus on local programs, thus impacting social and economic inclusion. Using a literature review approach, the objective of this paper is to examine the role of Islamic social finance instruments as alternative funding to achieve Sustainable Development Goals (SDGs) number three, "Good Health and Well-being," which is also in line with the recovery of COVID-19 in the healthcare sector. The results of this study indicate that Islamic Social Finance can solve the problem of economic funding due to the COVID-19 pandemic. In the short term, building and repairing primary health facilities, providing affordable health services, and providing access to health insurance for people experiencing poverty are actions that need to be realized immediately. As for the medium term, post-COVID-19, mental recovery and consultation efforts must be intensified. Investments in technology for telemedicine or telemedicine facilities and reforms in the post-pandemic COVID-19 health sector must be addressed and pursued. Based on current findings, this study recommends a synergy for all countries to jointly achieve the SDG number three target while restoring global socio-economic conditions post-COVID-19.

Page 4 of 6 | Total Record : 56

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