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Al Rikaz : Jurnal Ekonomi Syariah
Published by Institut Agama Islam Negeri Parepare
ISSN : -     EISSN : 29865999     DOI : https://doi.org/10.35905/alrikaz
Core Subject : Economy,
Economics, Econometrics & Finance
Al Rikaz : Jurnal Ekonomi Syariah, published by Study Program of Sharia Economics IAIN Parepare since 2022. The subject covers textual and fieldwork studies with various perspectives of Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic economic thoughts, Islamic human resource management, Islamic microfinance, Islamic development economics, Islamic monetary economics, Islamic fiscal economics, Islamic capital market, and other relevant themes. With articles written in Indonesian and with the fair procedure of peer-review, Al Rikaz publishing researches and studies pertinent to Islamic finance and economics with various dimensions and approaches.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 35 Documents
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Pengawasan Dewan Pengawas Syariah (DPS): Implementasi dan Efektivitas Dawami, Ajrina; Santiasih, Putri
Al Rikaz: Jurnal Ekonomi Syariah Vol 4 No 1 (2025): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v4i1.9846

Abstract

Supervision by the Sharia Supervisory Board (DPS) in the Islamic finance industry is crucial to ensure that the implementation and consistency applied in Islamic banks comply with Sharia principles. This importance is underscored by the recent regulation issued by the Financial Services Authority (OJK) aimed at enhancing the supervision role of DPS in Islamic banks. The purpose of this research is to examine and analyze how the supervision conducted by DPS is implemented at Bank DKI KCP Syariah Ciputat. This study employs a qualitative method with case study analysis of previous research and interviews. The results indicate that the role of DPS is vital in the sustainability of bank activities, such as during the issuance of new products and when addressing community issues related to banking. DPS plays a crucial role in supervising various aspects, including products and activities, through fatwas to ensure they do not conflict with prevailing Sharia standards. Furthermore, the role of DPS is essential in Islamic banks for providing advice and guidance. Therefore, it can be concluded that DPS supervision plays a significant role, as it governs a vital aspect, namely controlling the Sharia compliance of a bank's products and activities.
Perbandingan Dinamika Kelembagaan Ekonomi Islam antara Indonesia, Arab Saudi, dan Thailand: Analisis terhadap Perkembangan dan Tantangan di Era Modernisasi Cintya, Putri; Naufal Luthfi Alifa
Al Rikaz: Jurnal Ekonomi Syariah Vol 4 No 1 (2025): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v4i1.15291

Abstract

This study compares Islamic economic institutions in Indonesia, Saudi Arabia, and Thailand through four focuses: (1) institutional profile, (2) development dynamics, (3) regulatory and literacy challenges, and (4) reflection on Islamic economic growth. Using a comparative qualitative approach through literature review, the study finds that Indonesia leads in digitalization, Saudi Arabia shows institutional maturity aligned with Vision 2030, while Thailand remains in early development. Collaboration among governments, financial institutions, and communities is key to creating an inclusive and sustainable Islamic economic system. Indonesia continues to strengthen its ecosystem through digital innovation. Overall, the study highlights the importance of harmonizing regulation, improving human capital, and enhancing cross-country cooperation to reinforce institutional resilience and advance sustainable Islamic economic development.
Analisis Penerapan Akad Murabahah dalam Pembiayaan Konsumtif di Bank Syariah Hasan, Adnan; Majid, Jamaluddin
Al Rikaz: Jurnal Ekonomi Syariah Vol 4 No 1 (2025): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v4i1.15343

Abstract

This study aims to analyze the implementation of the murabahah contract in consumer financing at Bank Syariah Indonesia (BSI) by examining its compliance with PSAK 102, transparency of margins, and the determining factors affecting financing performance and risk. Using a qualitative descriptive-analytical approach, the research collected data through in-depth interviews, observations, and document analysis involving financing officers, customers, and members of the Sharia Supervisory Board (DPS). The findings reveal that the implementation of murabahah at BSI generally complies with the formal requirements of PSAK 102; however, a gap remains between administrative compliance (compliance by design) and substantive transparency (compliance by evidence), particularly in documenting cost prices, margins, and disclosure of payment terms. Furthermore, bank-specific factors such as the Financing to Deposit Ratio (FDR), Third Party Funds (DPK), Non-Performing Financing (NPF), and operational efficiency significantly influence the growth and quality of murabahah financing. The study also finds that customers’ perception of fairness in margin determination and the supervisory role of the DPS are critical in fostering public trust and maintaining the stability of the Islamic financial system. The research implies that strengthening evidence-based PSAK 102 implementation, enhancing Islamic corporate governance, and improving Islamic financial literacy are essential to promote transparency, fairness, and sustainability in murabahah-based consumer financing in Indonesia
Nilai Sipakainge dalam Kearifan Lokal Bugis: Strategi Ekonomi Islam untuk Pelestarian Wisata Bahari Parepare Hasmawati; Cahyani, Indah; Natalia, Lisa
Al Rikaz: Jurnal Ekonomi Syariah Vol 4 No 1 (2025): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v4i1.15344

Abstract

This study aims to analyze the value of Sipakainge in Bugis local wisdom as a strategy for marine tourism conservation in Parepare City through an Islamic economics approach. Sipakainge, which means mutual reminding of goodness and social responsibility, is a moral value that plays a crucial role in maintaining harmony between humans and the environment. The declining cleanliness and conservation in Parepare's marine tourism areas, such as Paputo Beach, Mattirotasi, and Lumpue, indicate the need for a management approach based on cultural and Islamic values. This research employs a qualitative method with observation, interview, and documentation techniques involving coastal communities, tourism managers, and traditional leaders. The findings reveal that the internalization of the Sipakainge value can build collective community awareness in preserving the marine and coastal environment as an implementation of the maslahah (public benefit) principle in Islamic economics. Furthermore, collaboration between the government, community, and tourism businesses based on the Sipakainge value can create sustainable, religious, and socially equitable marine tourism management. Thus, the integration of local wisdom and Islamic economic values forms a strategic foundation for maintaining the sustainability of Parepare's marine tourism while enhancing the welfare of the coastal community.
Pengaruh Promosi Dan Pengetahuan Terhadap Minat Melakukan Transaksi di Bank Syariah Nur Afif Jalaludin; Purwanto, Tinggal; Aswin
Al Rikaz: Jurnal Ekonomi Syariah Vol 4 No 1 (2025): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v4i1.15531

Abstract

This study aims to determine the influence of promotion and knowledge on the interest of women from recitation groups in Kelapa District to conduct transactions at Islamic Banks. The type of research used is quantitative research with a sample of 161 respondents. With the data measurement technique using the Likert scale. The data was processed through the SPSS program version 25.0 with multiple linear regression analysis techniques. The research results show that: 1) Promotion partially affects the interest in conducting transactions at Islamic Banks with a t-calculated value (7.407) < t-table (1.654) or a significance value of 0.000 < 0.01. 2) Knowledge partially affects the interest in conducting transactions at Islamic Banks with a t-calculated value (3.268) > t-table (1.654) and a significance value of 0.000 < 0.01.

Page 4 of 4 | Total Record : 35

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