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Hastin Tri Utami
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Wealth: Journal of Islamic Banking and Finance
Published by Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
ISSN : 29630126     EISSN : 29649641     DOI : https://doi.org/10.24090/wealth
Core Subject : Economy,
Economics, Econometrics & Finance
Asset management, Fund Management and Asset Pricing; Banking (Efficiency, Regulation, Risk Management, Solvency); Behavioural Finance; Capital Structure; Corporate Finance and Corporate Governance; Derivative Pricing and Hedging; Distribution Forecasting with Financial Applications; Entrepreneurial Finance; Empirical Finance; Financial Economics and General Equilibrium Models; Financial Markets (Alternative, Bonds, Currency, Commodity, Derivatives, Equity, Energy, Real Estate); FinTech and Micro Finance; Capital Market.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 40 Documents
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Position of the Fatwa of the National Sharia Council in the Fiqh Development of Sharia Financial Institutions Supandi, Ach Faqih; Bastomi Dani Umbara; Khittah Ashilah; Kiki Azakia
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i1.12958

Abstract

The purpose of the study was to further see the fatwa position of the National Sharia’ah Council in the development of Islamic economic and business fiqh in Indonesia as well as the implementation of duties and functions of the National Sharia’ah Council. Under the applicable statutory regulations, particularly Act No. 21 Year 2008 on Sharia Banking, there is a duty for regulators in this case the Bank of Indonesia to have the charge material contained in the Fatwa MUI absorbable and transformed in formulating Sharia’ah principles in the economic and financial fields of Shariaa into payload material of the Legislation Regulations which have legal and binding powers in general. Fatwa with classical definitions undergoes development and strengthening of positions in institutionalized and collective contemporary fatwa in Indonesia. Both issued by the MUI Fatwa Commission on religious and societal matters in general, as well as those issued by the DSN-MUI or fatwa on Sharia economic issues, particularly the Sharia Economic Institution. The fatwa issued by the MUI Fatwa Commission became a generally applicable referral as well as binding to the ummah of Islam in Indonesia, particularly morally. The DSN fatwa is becoming a binding reference to the existing Shariaa’ah financial institutions (LKS) in the homeland, as well as binding to communities interacting with the LKS.
The UTAUT Model on Decision to Use Amaan Islamic Fintech Financing: Prior Experience as Moderating Dini Ayu Puspita Sari; Meliana, Rini; Amanah Aida Qur'an; Azka Nur Diana
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i1.13638

Abstract

Entering the digital era, industry players are increasingly aggressively developing digital technology. One of the technological developments that has become the subject of recent studies in Indonesia is financial technology (fintech). There are women micro- entrepreneurs who need support in development, especially capital support to improve their businesses. PT Amaan Indonesia Sejahtera (Amaan) is an integrated solution that can be accessed by women micro-entrepreneurs in the form of financial or business capital financing. Because Amaan is one of the digital-based microfinance services with an easier mechanism and has a clear commitment to empowering women in the business sector. The study aims to test the UTAUT model with moderated prior experience. This research uses a quantitative approach. The data used is a questionnaire distributed to 250 respondents via google form. The data analysis method uses descriptive statistical analysis, multiple regression analysis and moderated regression analysis (MRA) using the SmartPLS (v3.0) analysis tool. The results show that performance expectancy, effort expectancy, social influence and facilitating conditions have a significant effect on the decision to use Amaan Islamic fintech financing. Prior experience as a moderating variable weakens the effect of performance expectancy and effort expectancy. Meanwhile, prior experience strengthens the influence of social influence and facilitating conditions on the decision to use Amaan Islamic fintech financing. RSquare shows that the user decision variable has a value of 0.539. This means that the ability of variable X to explain Y is 53.9% (medium), so it is said that the ability of the user decision variable to be influenced by the variables of performance expectancy, effort expectancy, social influence, facilitating conditions and prior experience is quite strong. While the remaining 46.1% is influenced by other variables outside the study.
Shopee Coins in the Perspective of Sharia Economic Law Aang Asari; M. Khoirur Rofiq; Maruf Hidayat; Sukron
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i1.13991

Abstract

Shopee is an application that has been available in Indonesia since 2015, providing a variety of features for its users. These include the Shopee Mall, the introduction of ShopeePay, and the launch of Shopee Live, along with rewards in the form of Shopee Coins for loyal customers. These coins can be used as discounts when purchasing products through the Shopee app. However, from the perspective of Islamic legal theory, these features are considered new and require an examination of their validity, including an analysis of the terms and conditions and the identification of the underlying mechanisms. This article focuses on exploring and describing the legal aspects of acquiring and using Shopee Coins. The research conducted for this article is based on library research methods. The author carefully examines and analyzes the information to achieve objective conclusions. The findings indicate that, firstly, the transactions involving Shopee Coin services are permissible and valid, as they meet the necessary terms and conditions. In muamalah jurisprudence, the acquisition of Shopee Coins falls under the Ju'alah contract. Secondly, the expiration period for using Shopee Coins does not impact the validity of obtaining them, since it lacks elements that could invalidate the Ju'alah contract. Nonetheless, Shopee should communicate the expiration provisions for these coins on its application page, ensuring that users are informed and do not feel disadvantaged by the policy.
Islamic Business Ethics in Online Secondhand Clothing Sales: A Case Study of Fuka Project Store Based on Fiqhul Islam wa Adillatuhu Lutfiyatul Azizah; Enjen Zaenal Mutaqin
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i1.14018

Abstract

Technological developments have encouraged the rise of online thrift buying and selling practices, which are considered economical and environmentally friendly. However, this phenomenon raises ethical issues, especially related to transparency and honesty in transactions. This study aims to evaluate the suitability of the buying and selling practices carried out by the Fuka Project Store through the Shopee platform with the principles of Islamic business ethics based on the book Fiqhul Islam wa Adillatuhu by Wahbah Az-Zuhaili. This study uses a qualitative method with a literature study approach and field research through observation and interviews. The results of the study indicate that the buying and selling practices in the store have reflected several principles of Islamic ethics, such as honesty, fairness, and the use of original product photos. However, there are still shortcomings in terms of product information that is not detailed enough, and the application of the principles of responsibility and transparency is not optimal. An increase in understanding and application of Islamic business ethics values is needed so that online buying and selling practices are not only valid according to sharia but also bring blessings and public trust.
Mechanism of Murabaha Financing Collateral Confiscation Problematic in Islamic Perspective Sulistyowati; Indy Zakiyatun Nabila; Claudya Ananda Sagita
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 1 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i1.13618

Abstract

From an Islamic point of view, the murabaha financing collateral confiscation mechanism is problematic. One of the main products of Islamic banking is murabaha capital, which involves a transaction agreement with a profit agreement between the bank and the client. However, payment problems often occur in practice, which requires banks to consider collateral seizure. This study examines the Shariah principles in collateral foreclosure by relying on the Qur'an, Hadith, and fatwa appeals from the National Shariah Council (DSN). The results show that Islamic foreclosure mechanisms should be based on the principles of justice, avoiding unjust actions, and prioritizing the process of mediation and peaceful conflict resolution before resorting to the law. Forfeiture is only permitted if the customer does not show good faith in fulfilling its obligations, and must be proportional to prevent harm to either party. This study found that collateral confiscation can be applied in Shariah-compliant murabaha financing and ensures the proces  is fair and ethical according to Islamic principles.
The Influence of Islamic Service Quality in Increasing Customer Loyalty (Case Study at Mandiri Utama Finance Jember) Nafaqoh, Eno Barokatul; Nursyamsiyah, Siti; Bashori, Dhofir Catur
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i2.14099

Abstract

Competition in the business world is getting tighter. This competition requires business actors to be able to maximize company performance in order to compete in the market. PT Mandiri Utama Finance (MUF) is a subsidiary of PT Bank Mandiri (Persero) Tbk which is engaged in the vehicle financing sector to serve the needs of the people in Indonesia. This study aims to determine how the influence of Islamic service quality on increasing customer loyalty at PT Mandiri Utama Finance Jember Branch, this study focuses on increasing customer loyalty at Mandiri Utama Finance Jember, This type of research uses a quantitative method with a sample of 110 respondents and uses a sampling technique with Purposive sampling technique, using a data collection technique in the form of a questionnaire to respondents. The data analysis technique for this study uses instrument testing, classical assumptions and multiple linear regression, hypothesis testing and coefficient of determination R2 The results of the study show that Islamic service quality has a positive and significant effect on customer loyalty at PT Mandiri Utama Finance Jember. The contribution of the influence of Islamic service quality on customer loyalty reaches 96%, while the remaining 4% is influenced by other variables not observed in this study. Thus, the implementation of services based on Islamic values can significantly increase customer loyalty
Community Economic Empowerment Through Baitul Maal Wat-Tamwil: A VOSviewer Bibliometric Study Alya Farika; Tatia Nur Fauziyah; Stefania Wahyu Safitri; Fijar Rahmawan Rushady
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i2.14125

Abstract

This study aims to identify the developmental map of research on Community Economic Empowerment through Baitul Maal Wat Tamwil using a bibliometric analysis with VOSviewer. The research was conducted over a period of six months, from February 2025 to June 2025, by searching the OpenAlex website using the keyword Economic Empowerment. A total of 349 research articles were obtained. These articles were then analyzed descriptively, input into VOSviewer, and processed to visualize the mapping of topic and subject developments related to Economic Empowerment. The findings show that the number of publications on Economic Empowerment has increased significantly every month. Furthermore, based on the visualization results generated by VOSviewer, research on Economic Empowerment is divided into four clusters.
The Impact of Digitalization on the Transformation of Management Accounting: A Cross-Sector Study in Indonesia Husni Mubarok; Lierni Simarmata; Aminah, Siti; Tri Meseri Cordias Waruwu; Muhammad Alfian Prayogi; Rozza Hafilah Masqurun
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i2.14554

Abstract

The purpose of this research is to examine the effect of digitalization on management accounting transformation in manufacturing and service industries in Indonesian context. Based on qualitative-descriptive analysis, the study involves three companies from the manufacturing, financial services and digital retail sectors. From companies that have adopted digital technologies (including Enterprise Resource Planning [ERP], Artificial Intelligence [AI], the Internet of Things [IoT] and big data analytics), data were gathered through interviews, observations and analysis of documents. The results indicate that digitalization has had a radical impact on the role of management accounting in planning, forecasting, and controlling. In addition, the digitalization of systems also leads to an improvement in efficiency, transparency, and timeliness of management reporting for data-based decisions. The findings highlight the fact that digital transformation is not only relevant from the technological viewpoint, but also from the strategic one, where management accounting is positioned as a decision- making partner within the industry 4.0 paradigm.
Influence of Digital Marketing, Brand Image, and Service Quality on Nasabah Decision to Use Indonesia Syariah Bank Services (Case Study of Generation Z in Tegal City) Alawiyah, Nafisatul; Mohammad Rosyada
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i2.14782

Abstract

Digital transformation in the Industrial Revolution 4.0 era has driven the banking sector, including BSI, to offer technology-based services such as the BYOND by BSI application. Generation Z is the main target due to their high digital engagement. However, their interest and understanding of Islamic banking remain varied, especially in Tegal City, where participation is still low despite a Muslim majority. This study analyzes the influence of digital marketing, brand image, and service quality on Generation Z’s decision to use BSI services in Tegal City. This research employed a quantitative approach with a survey method and associative causal type. The population comprised Generation Z aged 18–28 years, with a sample of 96 respondents selected through purposive sampling. Data were collected using a questionnaire with Likert scale and analyzed through validity, reliability, classical assumption tests, multiple linear regression, and hypothesis testing with SPSS. The results indicate that digital marketing and service quality have a positive and significant effect on Generation Z’s decision to use BSI services, while brand image does not have a significant partial effect. However, simultaneously, the three variables have a positive and significant influence. These findings suggest that strengthening digital marketing strategies and improving service quality are dominant factors in influencing young customers’ decisions.
The Effect of Service Quality Using the Pakserv Model on Customer Satisfaction at BPRS Bina Amanah Satria KC Bumiayu Nur Adi Chandrawan; Ubaidillah; Ryan Fahmi Hikmat; Ma’ruf Hidayat
Wealth: Journal of Islamic Banking and Finance Vol. 4 No. 2 (2025): Wealth: Journal of Islamic Banking and Finance
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v4i2.15422

Abstract

Sharia banking is an important element in the development and formation of the Indonesian economy. In facing increasingly complex challenges, companies need to look for creative ideas or the latest strategies to achieve company goals optimally. Quality is an important aspect that customers and potential customers pay attention to, so that strategic efforts to improve and maintain quality become a necessity to maintain service and improve the company's position in the market, including BPRS Bina Amanah Satria KC Bumiayu. The PAKSERV Service Quality Model is considered the best setting for understanding and measuring service quality, which has six variables, namely tangibility, reliability, guarantee, sincerity, personalization, and formality. The purpose of this research is to highlight the importance of BPRS Bina Amanah Satria KC Bumiayu continuing to improve the quality of its services by paying attention to aspects measured through the PAKSERV model. By increasing customer satisfaction, it is hoped that customer loyalty can be strengthened and the image and performance of BPRS Bina Amanah Satria KC Bumiayu in the market can be improved. This research is field research and uses a descriptive quantitative approach. The data collection method was carried out through questionnaires distributed to BPRS Bina Amanah Satria KC Bumiayu customers totaling 190 respondents. The analysis technique used is multiple linear regression using the IBM SPSS statistical program. The research results show that service quality as measured through the PAKSERV model simultaneously has a positive and significant influence between PAKSERV on customer satisfaction. Meanwhile, the partial test results show that the Tangibility, Sincerity, and Personalization variables have a Sig value < 0.05, meaning they do not have a significant effect, and the Reliability, Assurance, and Formality variables have a Sig value > 0.05, meaning they have a significant effect.

Page 4 of 4 | Total Record : 40

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