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INDONESIA
AT-TIJARAH: Journal Islamic Banking and Finance Research
Published by Institut Agama Islam Negeri Lhokseumawe
ISSN : 27215482     EISSN : 27455696     DOI : https://doi.org/10.52490/attijarah.
Core Subject : Economy,
Economics, Econometrics & Finance
This journal publishes research results conceptually and technically related to the scope of Islamic Economics with a concentration in the field of Islamic Banking and Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 54 Documents
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The Mosque Waqf Model In The Concept Of Justice In The Distribution Of Wealth To The Community In Indonesia Ayu Tridayana; Malahayatie; Taufiq
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 2 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i2.6729

Abstract

This research examines mosque waqf management models in the context of wealth distribution justice in Indonesia, with the aim of understanding and mapping mosque waqf management practices on the islands of Sumatra, Java, and Kalimantan. The background of the problem raised is the inequality in the distribution of benefits of mosque waqf which is still consumptive and less productive, despite the enormous potential of waqf assets. The research method used is a literature review, with analysis of various relevant secondary data sources. The results show that mosque waqf management in Indonesia is still dominated by traditional approaches that prioritize physical development, while efforts to utilize assets productively are still limited. The conclusion of this study emphasizes the need for a more sustainable and productive mosque waqf management model to reduce economic inequality and improve community welfare
Sustainable Islamic Fintech Ecosystem: A Comparative Analysis Of Indonesia And Bangladesh firman, ahmad; Iskandar; Md. Mohi Uddin
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 2 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i2.6769

Abstract

This article presents a comprehensive analysis of the integration of Financial Technology (FinTech) into the Islamic financial ecosystem in Indonesia, focusing on the paradox between its massive market potential and its still-low inclusive realization. The convergence of the world's largest Muslim population, a rapidly growing digital economy, and a developing sharia finance industry places Indonesia in a strategic position. However, behind the positive macro indicators, structural challenges are hindering widespread adoption, primarily due to low levels of Sharia financial literacy and inclusion. The key research gap identified is the lack of a systemic analysis linking the fragmentation of the regulatory framework, specifically the dualism between the Financial Services Authority (OJK) and the fatwas of the National Sharia Council-Indonesian Ulema Council (DSN-MUI), with the public trust deficit that hampers inclusion. Using qualitative methods through a comparative case study approach with Malaysia as a benchmark, this research finds that legal uncertainty arising from an incohesively integrated regulatory framework is the root cause of the low trust and effectiveness of literacy programs. These findings lead to strategic policy recommendations centered on regulatory harmonization to create legal certainty, a fundamental prerequisite for building a sustainable and inclusive Sharia FinTech ecosystem.
Business Risk Modelling Using Maqasid Sharia For Islamic Bank Financing Decisions Agung Nugraha, Aditya; Sain, Zohaib Hassan; Sartika, Mila; AGOI, Moses Adeolu
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 2 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i2.6775

Abstract

This research aims to model business risk based on Maqasid Sharia as a framework for financing decision-making at Bank Syariah Indonesia (BSI) Pekalongan Branch. This study departs from the increasing complexity of financing risks amid demands for compliance with Sharia principles and financial stability. This study seeks to answer the question of the extent to which Maqasid Sharia values, such as hifz al-mal (property protection), hifz al-nafs (protection of life and welfare), and hifz al-din (protection of religious values), can be integrated into the risk management and decision-making process of Islamic bank financing. This study employs a qualitative-descriptive approach, collecting data through in-depth interviews, field observations, and an analysis of financing documents at the BSI Pekalongan Branch. The data was analysed thematically by linking empirical practices and Maqasid Sharia theory in the study of business risk management. The study results show that the application of Maqasid Sharia values has been gradually internalised in feasibility analysis, contract determination, and financing monitoring. The principle of hifz al-mal is the basis for prudent protection of banks' and customers' assets. Hifz al-nafs directs policies towards businesses oriented towards social benefits, and hifz al-din ensures compliance with Sharia fatwa and Islamic business ethics. The integration of these values has been proven to reduce non-performing financing (NPF) and strengthen customer confidence. The implications of this study confirm that maqasid Sharia plays a role as a meta-framework in risk management, which can simultaneously balance financial and moral goals. These findings offer a theoretical contribution to expanding the Sharia risk management paradigm and opening space for developing value-based risk models to support sustainable financing practices in the Islamic banking sector.
Digital Confidence Beyond Profit: How Self-Efficacy And Perceived Authenticity Override Risk Preferences In Muslim Generation Z's Sharia Investment Motivation In Surakarta Aulia Nisrina, Fida; Sukardi, Budi
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 2 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i2.6806

Abstract

along with growing financial awareness and Islamic values, but their actual participation in the Islamic stock market remains relatively low compared to their demographic potential. This study aims to analyze the influence of self-efficacy, risk preference, and perceived authenticity on Islamic stock investment motivation, with attitude as a mediating variable among Generation Z Muslims in Surakarta City. This study used a quantitative method with an associative approach. Data were obtained from 194 respondents through an online questionnaire using a five-point Likert scale and analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The results showed that self-efficacy, perceived authenticity, and attitude had a significant positive effect on Islamic stock investment motivation, while risk preference had no significant effect. Attitude was proven to mediate the relationship between self-efficacy and perceived authenticity with Islamic stock investment motivation. These findings confirm that self-confidence and perceived product authenticity are more dominant than risk aversion in shaping investment motivation. The research implications emphasize the importance of increasing self-efficacy and perceptions of authenticity through transparency, halal certification, and digital education to increase Generation Z participation in sharia stock investment.

Page 6 of 6 | Total Record : 54

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