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Angrum Pratiwi
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angrum.pratiwi@uinsi.ac.id
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inasjifuinsi@gmail.com
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FEBI Building Second Floor, State Islamic University (UIN) Sultan Aji Muhammad Idris Samarinda Jl. H.A.M Rifaddin, Loa Janan Ilir, Samarinda - East Borneo 75131
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INDONESIA
INASJIF
Published by Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda
ISSN : 29645263     EISSN : 29620937     DOI : https://doi.org/10.21093/inasjif
Core Subject : Economy,
Economics, Econometrics & Finance
INASJIF (Indonesian Scientific Journal of Islamic Finance) published by Department of Islamic Banking, The Faculty of Islamic Economic and Business, State Islamic University of Sultan Aji Muhammad Idris Samarinda. The subject covers both textual and empirical, as well as classical and contemporary research on Islamic Finance. Published in Indonesia, it welcomes contributions in English and Bahasa. Papers are peer-reviewed to maintain a high scholarly level. Indonesian Scientific Journal of Islamic Finance is published online twice a year in December and June. The first volume of INASJIF was launched in December 2022. Indonesian Scientific Journal of Islamic Finance openly welcomes scholars, postgraduate students, and practitioners to submit their best research articles that correspond to the topics. Focus and Scope Indonesian Scientific Journal of Islamic Finance openly welcomes scholar, postgraduate students, and practitioners to submit their best research articles that correspond to the topics. This journal covers textual and empirical, as well as classical and contemporary researchers on Islamic finance. Papers are prioritized to but not limited to researchers about Islamic finance in Indonesia. The scopes of accepted papers are: Islamic Banking Islamic Capital Market Islamic Financial Institution (Leasing) Islamic Insurance Islamic Micro Finance Islamic Financial Plan and another theme/scope about Islamic Finance
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 46 Documents
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INTEGRASI FITUR ZISWAF DALAM DIGITAL BANKING BANK SYARIAH: PELUANG DAN TANTANGAN (STUDI KASUS PADA BANK SYARIAH INDONESIA) Masrina, Masrina; Lestari, Dinda
Indonesian Scientific Journal of Islamic Finance Vol 3 No 2 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v3i2.11207

Abstract

The digital transformation in the banking sector has created new opportunities for Islamic financial institutions to optimize social finance instruments. This study investigates the integration of Ziswaf (Zakat, Infaq, Sadaqah, and Waqf) features into Bank Syariah Indonesia's digital banking platform, analyzing the implementation process, opportunities, and challenges. Using a qualitative case study approach, data were collected through semi-structured interviews with 12 key informants, document analysis, and participatory observation of the BSI Mobile application. The findings reveal that BSI's Ziswaf digital implementation has yielded significant results, with a 172% transaction growth during 2021-2023 and collection value reaching Rp 72 billion in 2023. Key success factors include API-based technology architecture, personalized services, and enhanced transparency through impact tracking features. However, digital literacy gaps, technological infrastructure limitations in rural areas, resistance to change from traditional methods, and Sharia compliance complexities pose notable challenges. The study recommends developing a sustainable innovation model through "Digital Ziswaf Innovation Lab," implementing multi-channel education strategies, strengthening ecosystem collaboration via "Indonesia Ziswaf Digital Alliance," and utilizing data analytics to enhance service effectiveness. These initiatives can transform Islamic social finance while promoting wider Islamic financial inclusion.
PARADOKS IMPLEMENTASI EKONOMI ISLAM DI NEGARA-NEGARA MUSLIM: INTEGRASI NILAI TAWAKKAL DAN IKHTIAR Nasution, Asmita Mardiana; Sari, Cici Prawita; Siregar, Putri Handayani; Lubis, Delima Sari
Indonesian Scientific Journal of Islamic Finance Vol 3 No 2 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v3i2.11210

Abstract

The Islamic economic system is widely promoted in Muslim-majority countries as a comprehensive alternative to capitalism and socialism. However, its practical implementation often reveals a paradox: while Islamic values such as tawakkal (trust in God) and ikhtiar (human effort) are central to the theology of Islamic economics, they are rarely embedded in institutional and policy frameworks. This study aims to explore this paradox by analyzing the integration of tawakkal and ikhtiar within the economic governance structures of Muslim countries. Drawing on a qualitative literature review, the research identifies key obstacles including weak institutional capacity, low public literacy, and a symbolic adoption of Islamic financial instruments. The theoretical foundation is based on maqāṣid al-sharīʿah, which supports a balance between spiritual trust and rational action. The findings reveal that Islamic economic policies remain largely cosmetic, lacking systemic mechanisms to actualize these spiritual-economic values. Moreover, the integration of tawakkal and ikhtiar has not been adequately addressed in fiscal or monetary policy design. This study contributes a conceptual framework for rethinking Islamic economic policy with authentic value integration and highlights the urgent need for institutional reform, policy alignment, and educational strategies that embed ethical-spiritual dimensions into economic development.
THE IMPACT OF MACROECONOMICS AND CORPORATE FUNDAMENTALS ON THE BUSINESS PERFORMANCE OF SHARIA BANKING IN INDONESIA Oria, Hafizullah; Oria, Ehsanullah
Indonesian Scientific Journal of Islamic Finance Vol 4 No 1 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v4i1.10563

Abstract

The aim of this research is to examine the impact of macroeconomic factors and company fundamentals on the Business Performance of Sharia banking in Indonesia. The study analysed monthly data from BI, OJK, and BPS for the years 2019-2023 using regression tests. The method used is regression analysis, with data drawn from the Sharia banking industry and macroeconomic indicators over the period from 2019 to 2023. The independent macroeconomic variables included inflation, exchange rate, and GDP, while company fundamentals were represented by FDR, CAR, BOPO, DPK, and NPF. Business Performance, as the dependent variable, was measured by Return on Assets (ROA). The results showed Indonesia experienced fluctuating economic conditions from 2019 to 2023, with low inflation and a varying exchange rate. Islamic banking in Indonesia showed strong fundamentals, with a healthy average ROA of 0.85% and a robust CAR of 16.48%; however, BOPO negatively and significantly impacts ROA, while CAR and FDR have minimal effects on ROA in Islamic banking. Inflation negatively affects ROA by increasing production costs, reducing overall banking profitability. To sustain growth, banks should focus on financing SMEs and leveraging digital technology for improved efficiency. This study focuses on the Sharia banking sector in Indonesia and incorporates both company fundamentals and macroeconomic variables. The findings will be valuable for policy-making and research in the field of Sharia banking in Indonesia.
ANALISIS RASIO KEUANGAN BANK ACEH SYARIAH DAN BANK SYARIAH INDONESIA Nasution, Muhammad Syafril; Shahri, Muhammad Alfi
Indonesian Scientific Journal of Islamic Finance Vol 4 No 1 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v4i1.11329

Abstract

This study aims to analyse and compare the financial performance of Bank Aceh Syariah (BAS) and Bank Syariah Indonesia (BSI). The two banks have different structural and operational characteristics, with BAS being the first regional bank to fully convert to the sharia system, while BSI is the largest sharia bank in Indonesia, resulting from the merger of three state-owned banks. This study employs a qualitative method with a comparative approach to four key financial ratios: non-performing financing (NPF), capital adequacy ratio (CAR), liquidity ratio (FDR), and return on equity (ROE). The results indicate that BSI generally outperforms BAS in terms of financial performance. BSI demonstrates lower financing risk, stronger capitalisation, healthy liquidity, and higher profitability. Meanwhile, BAS continues to show good stability and strategic relevance in Aceh's economic development. This comparison is expected to provide insights to stakeholders in evaluating the strengths and challenges of each bank in supporting the national sharia financial system.
INTEGRASI TEKNOLOGI DAN NILAI SYARIAH: ANALISIS UTAUT2 TERHADAP NIAT PENGGUNAAN MOBILE BANKING DI SAMARINDA Seong, Majiid Ballo; Mainata, Dedy; Wibowo, Arista
Indonesian Scientific Journal of Islamic Finance Vol 4 No 1 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v4i1.11357

Abstract

Digital transformation in Islamic banking opens significant opportunities to improve efficiency, financial inclusion, and customer satisfaction. However, despite this progress, the adoption of Islamic mobile banking still lags behind that of conventional banks. This study aims to analyze several determinants influencing the intention to adopt Islamic mobile banking in Samarinda using the UTAUT2 theoretical framework. This study employed a quantitative approach, with 165 respondents selected through conventional sampling. Data collection used an online questionnaire, which was then processed using the SEM-PLS technique. Data analysis showed that habit, social influence, enabling conditions, hedonic motivation, price value, effort expectancy, and performance expectancy significantly influenced intention to use. Gender, age, and experience were shown to moderate some of the relationships between variables on intention to use. These findings provide a basis for developing digitalization strategies for Islamic banks that are more adaptive to consumer preferences.
ANALISIS FAKTOR PENGETAHUAN, REPUTASI, LINGKUNGAN, DAN RELIGIUSITAS TERHADAP MINAT MENABUNG PADA SISWA SMK JURUSAN PERBANKAN SYARIAH Salsabilla, Ashifa Isnaeni; Sulasih, Sulasih; Parno, Parno; Setianingsih, Dias
Indonesian Scientific Journal of Islamic Finance Vol 4 No 1 (2025): Indonesian Scientific Journal of Islamic Finance
Publisher : Faculty of Islamic Economics and Business, Sultan Aji Muhammad Idris State Islamic University of Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v4i1.11523

Abstract

Although Indonesia has a predominantly Muslim population, the market share of Islamic banking in 2020 remained relatively modest at only 6.18%. One of the major challenges lies in the low savings interest among the younger generation. Previous studies have investigated the influence of knowledge, reputation, environment, and religiosity on saving behavior; however, the findings remain inconclusive, thereby creating a research gap that merits further exploration. The novelty of this study lies in its simultaneous examination of these four variables within the context of vocational high school students majoring in Sharia banking who have direct access to a school-based mini-bank facility, an environment that has rarely been addressed in prior research. Employing a quantitative approach, the study utilized a survey method with purposive sampling involving 139 students from SMK Negeri 1 Purwokerto. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression, preceded by validity, reliability, and classical assumption tests. The findings reveal that knowledge exerts a significant negative effect on saving interest, while reputation, environment, and religiosity demonstrate significant positive effects. Collectively, these four variables significantly influence saving interest, with a coefficient of determination of 40.2%. This study highlights that Islamic banks may enhance their attractiveness to young customers by strengthening institutional reputation, fostering supportive environments, and reinforcing religious values. Nevertheless, positive perceptions of products and services should be complemented by improved financial knowledge to further optimize savings interest in Islamic banking

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