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Ach Baiquni
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iqtishadia@iainmadura.ac.id
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iqtishadia@iainmadura.ac.id
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Economics and Islamic Business Faculty, Institut Agama Islam Negeri Madura Jl. Raya Panglegur Km. 04, Pamekasan, East Java
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INDONESIA
Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Published by Institut Agama Islam Negeri Madura
ISSN : 23547057     EISSN : 24423076     DOI : https://doi.org/10.19105/iqtishadia.v11i1
Core Subject : Economy,
Economics, Econometrics & Finance
Publishes mainly focuses on the major problems in the development of Islamic Business and economic areas, such as Islamic economic thoughts, Islamic economic and business, Islamic philanthropy (zakat, infaq, shadaqah, and waqf), halal industry (food tourism, product), Islamic microfinance, Islamic banking and financial institution, Islamic banking management, and Islamic monetary economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 191 Documents
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A Critical Examination of the Distribution of BSI CSR Funds for Sports Activities in Aceh Insani, Muhammad Fitrah; Maulana, Muhammad
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 1 (2025): Vol. 12 No. 1 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i1.18957

Abstract

The concept of Corporate Social Responsibility (CSR) is a form of corporate social obligation aimed at making a positive contribution to surrounding communities. Every company, in its operations, inevitably causes various impacts, both ecological and socio-economic, in the area where it operates. In this context, the study critically examines the policy of distributing CSR funds by Bank Syariah Indonesia (BSI) for sports activities in Aceh, especially its contribution to professional football clubs. Using a qualitative descriptive approach and SWOT analysis, the study reveals that BSI’s CSR allocation is not fully aligned with the principles of long-term social benefit. Key findings highlight weak community involvement, lack of transparency, and the absence of an effective program evaluation system. On the other hand, great opportunities to empower youth and local communities through inclusive sports programs have not been optimally utilized. Strategic recommendations include shifting CSR focus from professional sports to community-based empowerment and enhancing accountability and public participation mechanisms. The results emphasize the need to reformulate CSR policies to better reflect sustainability values, comply with sharia principles, and provide tangible impacts on social welfare.
Wisata Religi dan Pemberdayaan Ekonomi Masyarakat Lokal: Studi Pada Kawasan Makam Putri Ayu Dewi Sekardadu dan Mbah Djaelani dalam Perspektif Ekonomi Islam Huda, Bakhrul
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 1 (2025): Vol. 12 No. 1 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i1.19297

Abstract

Penelitian ini bertujuan untuk mendeskripsikan pemberdayaan ekonomi masyarakat di area wisata religi Makam Putri Ayu Dewi Sekardadu dan Mbah Djaelani dan menganalisis faktor pendukung dan penghambat dalam pemberdayaan ekonomi masyarakat di area wisata religi Makam Putri Ayu Dewi Sekardadu dan Mbah Djaelani dalam perspektif ekonomi Islam. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan data primer yang diperoleh dari wawancara pengelola makam, warga sekitar dan perangkat desa, di mana dalam hal ini ada dua objek makam yang telah menjadi destinasi wisata religi. Observasi ke kedua objek juga menjadi data primer kami serta beberapa dokumen dan sumber berita menjadi data sekunder. Hasil wawancara, observasi dan studi dokumen yang telah ditelaah, diverifikasi dan dianalisis kemudian tersimpulkan untuk menjawab tujuan penelitian. Hasil penelitian menunjukkan bahwa pemberdayaan ekonomi masyarakat di kedua objek penelitian belum nampak. Faktor motivasi dan kebijakan pemerintah sebagai ūlī al-amr yang dapat mendukung adanya program pemberdayaan belum ada, baik dari pemerintah daerah maupun desa, sedangkan faktor penghambat program pemberdayaan, yaitu anggaran dan sarana prasarana juga nampak belum terlihat di objek makam Putri Ayu Dewi Sekardadu, namun untuk objek makam mbah Djaelani nampak faktor anggaran yang dapat saja yang menghambat program pembedayaan. Saran dari hasil penelitian ini adalah pertama, hendaknya pemerintah desa mempunyai motivasi lebih dalam memberdayakan area wisata religi yang dipunyainya. Kedua, hendaknya masyarakat sekitar area wisata religi mempunyai paguyuban yang dapat menyuarakan kepentingan bersama agar mendapat perhatian pemerintah dan mampu memaksimalkan keberadaan objek wisata untuk peningkatan ekonomi mereka
Penggunaan Mesin Perajang Tembakau terhadap Efisiensi Biaya Tenaga Kerja pada Produksi Tembakau Rajangan di Desa Pondok Kelor Berbasis Etika Bisnis Islam Yaqin, Ainol; Rofiatul Lailiyah
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 1 (2025): Vol. 12 No. 1 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i1.19372

Abstract

Penggunaan mesin perajang tembakau terhadap efiensi biaya tenaga kerja pada produksi tembakau rajangan ini menggambarkan penelitian yang bertujuan untuk mengevaluasi praktik manfaat dari penggunaan mesin perajang tembakau pada produksi tembakau rajangan di Desa Pondok Kelor dengan fokus pada efisiensi biaya tenaga kerja. Selain itu, penerapan mesin ini juga sejalan dengan prinsip-prinsip etika bisnis Islam dalam setiap aspek produksinya, termasuk prinsip keadilan, transparansi, kejujuran, keseimbangan dan tanggung jawab. Metode yang digunakan adalah metode penelitian kualitatif dengan pendekatan studi kasus, adapun bahan pengumpulan data yang digunakan berupa data primer, yaitu data yang diperoleh secara langsung yaitu diperoleh dari observasi dan wawancara kepada petani atau buruh tani tembakau, pemilik mesin perajang tembakau, serta pihak-pihak terkait lainnya. Serta data sekunder lainnya yang digunakan sebagai acuan seperti jurnal ilmiah, buku, skripsi, tesis dan internet yang membahas tentang penggunaan mesin perajang tembakau terhadap efisiensi biaya tenaga kerja pada produksi tembakau rajangan berbasis etika bisnis Islam. Hasil penelitian menunjukkan bahwa penggunaan mesin perajang tembakau dapat mengefisiensi biaya dan mempersingkat waktu proses perajangan hingga dapat menekan biaya produksi yang lebih efisien serta meningkatkan hasil produksi tembakau rajangan dan mengahasilkan hasil rajangan yang lebih seragam. Dan penerapan etika bisnis islam dalam setiap proses produksinya yaitu transparansi, kejujuran, keseimbangan dan tanggung jawab. Penelitian ini diharapkan dapat memberikan kontribusi yang signifikan terhadap pengembangan usaha tani tembakau yang lebih berkelanjutan dan etis. Penelitian ini akan memberikan wawasan yang mendalam tentang manfaat penggunaan mesin perajang tembakau terhadap efisiensi biaya tenga kerja serta implikasinya dalam etika bisnis islam di Desa Pondok Kelor.
A Integrating Maqashid Sharia Index (MSI) into ESG Performance in the Post-Crisis Era: Comparative Evidence from Islamic and Conventional Banks in Indonesia and Malaysia Mahmud Syukri
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i2.21955

Abstract

Bank performance measurement has long been dominated by financial indicators such as ROA, ROE, and CAR, which tend to be partial and fail to adequately reflect sustainability and Sharia compliance. This limitation highlights the need for a more holistic evaluation framework. This study aims to integrate the Maqashid Sharia Index (MSI), which represents Sharia objectives, with Environmental, Social, and Governance (ESG) as a global standard, to produce a more comprehensive performance measure. The research employs a cross-country quantitative comparative approach using panel data from Islamic and conventional banks in Indonesia and Malaysia over the period 2019–2024. Data were collected from annual and sustainability reports and analyzed using the Simple Additive Weighting (SAW) method for index assessment, along with comparative statistical tests and multivariate regression to examine the hypotheses. The findings reveal that the MSI–ESG integration provides a fairer and more holistic picture of bank performance compared to conventional financial ratios and identifies significant differences in the performance profiles of Islamic and conventional banks in both countries. This study concludes that performance measurement based on MSI–ESG integration offers a more globally relevant and Sharia-compliant alternative evaluation model.
Adoption of UTAUT3 Model on the Use of BSI Mobile Application Putri, Daneza Dhea Ananda; Sukardi, Budi
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research is used to examine the variables that determine user intention in adopting BSI Mobile services as a digital payment platform through the UTAUT3 construct model. This type of research is quantitative, with a research sample of 245 respondents as the primary data source using a questionnaire survey. Data analysis using SmartPLS software. The research findings show that there are variables that have a significant influence, namely the variables of performance expectations, social influence, habits, and personal innovation on behavioural intentions, as well as facilitating conditions, habits, and behavioural intentions on usage behaviour. Meanwhile, variables that do not have a significant impact are effort expectations, hedonic motivation, price value, and facilitating conditions on behavioural intention, as well as personal innovation on usage behaviour. This research contributes to knowing the link between how the behaviour of BSI Mobile service users as a guide for platform owners and users to develop better services and the Indonesian people in choosing the use of digital payments, as well as spreading the literacy of using the BSI Mobile application. Keywords: UTAUT3; BSI Mobile; SEM-PLS. Abstrak: Penelitian ini digunakan untuk mengkaji variabel penentu niat pengguna dalam mengadopsi layanan BSI Mobile sebagai platform pembayaran digital melalui model konstruk UTAUT3. Jenis penelitian ini adalah kuantitatif, dengan sampel penelitian sejumlah 245 responden sebagai sumber data primer menggunakan survei kuesioner. Analisis data menggunakan software SmartPLS. Temuan penelitian menunjukkan bahwa terdapat variabel yang memiliki pengaruh signifikan yaitu variabel harapan kinerja, pengaruh sosial, kebiasaan, dan inovasi pribadi terhadap niat berperilaku, serta kondisi yang memfasilitasi, kebiasaan, dan niat berperilaku terhadap perilaku penggunaan. Sedangkan variabel yang tidak memiliki dampak signifikan yaitu harapan usaha, motivasi hedonis, nilai harga, dan kondisi yang memfasilitasi terhadap niat berperilaku, serta inovasi pribadi terhadap perilaku penggunaan. Penelitian ini berkontribusi untuk mengetahui kaitan antara bagaimana perilaku pengguna layanan BSI Mobile sebagai panduan untuk pemilik platform maupun pengguna untuk mengembangkan layanan yang lebih baik serta masyarakat Indonesia dalam memilih penggunaan pembayaran secara digital, sekaligus menyebarkan literasi penggunaan aplikasi BSI Mobile. Kata Kunci: UTAUT3; BSI Mobile; SEM-PLS.
A Critical Appraisal of Product Innovation in Islamic Banking: Navigating Market Pressures, Ensuring Shariah Compliance, and Advancing the Objectives of Maqasid al-Shariah Ismaulina; Ibrahim, Azharsyah
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i2.19941

Abstract

This article presents a critical evaluation of product innovation in Islamic banking, focusing on the imbalance between market demands, sharia compliance, and the realization of maqashid al-shariah. The study aims to assess the extent to which Islamic banking innovations can maintain a balanced integration of commercial objectives, legal-formal compliance, and the substantive values of maqashid. Employing a descriptive qualitative approach through case studies of several Islamic banks in Indonesia, the research gathers data from annual reports and strategic publications. Analysis is conducted using the Maqashid-Based Innovation Evaluation Model (MBIEM), which encompasses three core dimensions: market orientation, sharia compliance, and alignment with maqashid. Findings reveal a significant gap between formalistic compliance and the actual implementation of maqashid. Value-based innovations such as qardhul hasan financing and digital zakat platforms are found to better embody maqashid values than products driven solely by legal-formal considerations. The study recommends reinforcing maqashid-oriented regulations, involving the Sharia Supervisory Board (SSB) early in product development, enhancing the multidisciplinary competencies of human resources, and developing a substance-based sharia audit framework. With these strategies, Islamic banking innovations are expected to become more ethical, inclusive, and sustainable, while fulfilling their socio-economic role in accordance with Islamic principles
Islamic Philonthropy at Islamic Boarding School-Based Microfinance Institutions in Madura During the Covid-19 Pandemic Fadllan, Fadllan; Haryanto, Rudy; Harisah, Harisah; Zulzila Mohd Kusrin
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i2.21341

Abstract

The Covid-19 pandemic has caused a significant economic downturn, including in Madura, which necessitates alternative solutions to support community economic resilience, even if the impact is not substantial. This study aims to examine the role of Islamic economic instruments implemented by Islamic boarding school–based microfinance institutions in addressing economic challenges during the Covid-19 period. The research employs a mixed-method approach, combining quantitative analysis with qualitative data obtained through interviews and observations. This approach allows statistical findings to be complemented by empirical insights into the practical implementation of Islamic microfinance practices, enabling their potential replication by other institutions or communities. he findings indicate that the economic empowerment model applied is based on philanthropy from ummah to ummah, utilizing Islamic instruments such as zakat, infaq, alms, and waqf. The hypothesis testing results show that zakat has a positive and significant effect on economic improvement, with a t-value of 3.287. In contrast, infaq does not have a significant effect, while waqf and alms demonstrate negative but significant partial effects on economic conditions during the Covid-19 period. The standard error of all independent variables is below 5 percent, indicating their overall influence on the Madurese economy during the pandemic. Furthermore, the coefficient of determination (R²) is 0.718, suggesting that zakat, infaq, alms, and waqf collectively explain 71.8 percent of the variation in economic improvement, while the remaining 28.2 percent is influenced by other factors not examined in this study.
Digital Financial Inclusion in Islamic Boarding Schools Practices, Challenges, and Socioeconomic Impacts on Indonesian Student Umam, Khotibul; Sufiyanto, Mohammad Imam; Hefni, Mohammad; Faruq, Umarul; Luthfi, Moh.
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Madura

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Abstract

This study analyzes digital financial inclusion practices in Islamic boarding schools, examining challenges and socioeconomic impacts on students. The research addresses the literature gap regarding digital financial service implementation in Islamic educational institutions and their effectiveness in promoting financial literacy among student communities. A qualitative approach was employed with two Islamic boarding schools: Pondok Pesantren Puncak Darussalam and Pondok Pesantren Al Amien Prenduen. Data collection involved comprehensive in-depth interviews, direct observations, and extensive documentation, analyzed through systematic data reduction and triangulation methods to ensure validity and reliability of findings. Digital financial inclusion significantly facilitates financial transactions, enhances student financial literacy, and reduces cash dependency among student. However, limited technological infrastructure and low parental financial literacy present substantial implementation challenges requiring attention. The positive socioeconomic impact manifests through improved student financial literacy, encouraging wiser financial management practices that can foster greater economic independence for future sustainability.
CEISE Model: Integrating Islamic Values and Community Engagement for Service Excellence in Baitul Mal Wa Tamwil Muktirrahman, Muktirrahman; Maksum, Maksum; Sholehah, Irtifatus; Nurul Huda; Ishfaq Ahmed
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i2.22215

Abstract

Baitul Mal wa Tamwil (BMT) as Islamic microfinance institutions face challenges in creating sustainable service differentiation amid increasingly intense financial sector competition. This research develops the Community-Embedded Islamic Service Excellence (CEISE) Model as a theoretical framework to understand how the integration of Islamic values and community engagement creates competitive advantages in BMT operations. Using a qualitative case study approach at BMT NU East Java Pasongsongan Branch, the study involved in-depth interviews with 10 staff members and 15 customers, observation, and document analysis. Data were analyzed using the Miles and Huberman thematic analysis framework. Findings demonstrate that CEISE Model implementation through four main dimensions: Spiritual Service Dimension (SSD), Community Integration Mechanism (CIM), Adaptive Accessibility Framework (AAF), and Sustainable Intimacy Balance (SIB) successfully creates distinctive value propositions. Service innovations such as "door-to-door service" systems (73% utilization), temporal flexibility (67% staff), and Islamic values-based approaches resulted in 89% customer retention, +73 Net Promoter Score, and 56% community participation. Integration of Islamic values (justice, trustworthiness, excellence, public interest) at every service touchpoint creates emotional bonds transcending transactional relationships. This research provides theoretical contribution through CEISE Model development filling literature gaps on service excellence in religious-cultural contexts and practically provides strategic framework for BMT service optimization.
Mosque Transformation for Community Economic Empowerment: Integrating Islamic Social Finance, Digitalization, and Pentahelix Collaboration Mulauddin, Aforisma; Waluya , Atep Hendang; Reza Prima Matondang, Muhammad
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i2.22414

Abstract

Mosques have a long-standing history as the center of Islamic civilization, including in economic activities. However, their strategic role has been reduced to mere places of ritual worship. This article aims to formulate an integrated conceptual model of economic empowerment based on mosques, incorporating Islamic social finance, digital transformation, and multi-stakeholder collaboration (pentahelix). The study employs a qualitative library research method with a conceptual analysis approach. Findings reveal that mosques hold great potential as centers of economic empowerment through the optimization of ZISWAF instruments, digital technologies such as fintech and mosque management applications, and synergy among academia, business, government, community, and media. Case studies from Jogokariyan Mosque, Al-Falah Mosque Seoul, and Bintaro Jaya Grand Mosque demonstrate the successful implementation of such models in various contexts. The article proposes financial, social, and technological evaluation indicators to assess model effectiveness. Consequently, mosques can emerge as adaptive beacons of economic empowerment in the digital era.

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