Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Focus Al Intaj : Jurnal Ekonomi dan Perbankan Syariah is designed to provide a forum for researchers who focus on Islamic economics and banking, covering current issues in Islamic economics and banking, Islamic philanthropy, and Islamic finance. Scope The scope of this journal includes: 1. Islamic Economic 2. Islamic Accounting 3. Islamic Philanthropy 4. Islamic Bussines Ethic 5. Islamic Insurance 6. Islamic Microfinance 7. Islamic Capital market 8. Sharia Financial Banking.
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<![CDATA[Analisis Kinerja Keuangan Baznas Provinsi Bengkulu Dengan Metode Iszm ]]>
<![CDATA[Citra, Onti Laura]]>;
<![CDATA[Hariyadi, Rizky]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2399
<![CDATA[The application of accountability and transparency in published financial reports is very important for society so that people are able to assess the financial performance of zakat institutions in collecting, managing and distributing zakat funds. The aim of this research is to measure and analyze the level of efficiency and capacity of BAZNAS financial performance in Bengkulu Province using International Standard Zakat Management (ISZM) method. The research method used is a quantitative method with a quantitative descriptive approach. Data collection techniques are by taking financial report data on the BAZNAS Bengkulu Province website. The types of data from this research consist of primary data and secondary data. Secondary data in this research is a type of time series data using a time span of 1 year, namely 2022. Secondary data collection techniques are obtained through various sources such as reports, books, journal articles, websites related to the research object. ]]>
<![CDATA[Influence of Internal Factors and External Factors on Non Performing Financing in Islamic Commercial Banks ]]>
<![CDATA[Alfakhirah, Nadirah Nur]]>;
<![CDATA[Jaya, Tiara Juliana]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2398
<![CDATA[This study aims to see the effect of the variables Return on Assets (ROA), Capital Adequacy Ratio (CAR), Operating Costs and Operating Income (OCOI), Financing to Deposit Ratio (FDR), inflation and Gross Domestic Product (GDP) on Non-Performing Financing (NPF) for Islamic commercial banks in Indonesia for the 2018-2022 period. This type of research uses quantitative research methods. The analytical tool used is multiple linear regression analysis using E-views version 10 software. The sample in this study is Islamic Commercial Banks in Indonesia. The results showed that simultaneously the variables ROA, CAR, OCOI and FDR had a significant effect on Non-Performing Financing (NPF), while simultaneously, the variables Inflation and GDP did not have a significant effect on Non-Performing Financing (NPF). Partially CAR, OCOI, and FDR have a significant effect on Non-Performing Financing (NPF), whereas ROA, Inflation and GDP have no effect on Non-Performing Financing (NPF). Internal factor variables have an effect of 88.2% on Non-Performing Financing (NPF), while 11.8% are influenced by other variables not examined. External factor variables have an effect of 3.1% on Non-Performing Financing (NPF), while 96.9% are influenced by other variables not examined.]]>
<![CDATA[Strategi Pemasaran Bank Aman Syariah Dalam Menarik Minat Nasabah Tabungan Haji Mabrur (Tajimabrur) ]]>
<![CDATA[Triwibowo, Ananto]]>;
<![CDATA[Baidhowi, Muhammad Mujib]]>;
<![CDATA[Nita, Veni Alvia]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2381
<![CDATA[This study was to analyze the marketing strategy implemented by Bank Aman Syariah Sekampung on haj savings products in attracting customer interest. The type of research used is field research which is descriptive qualitative. The data sources used are primary data sources and secondary data sources. For data collection using interview techniques and documentation. The data analysis technique used in this study is through qualitative data analysis. The results of this study indicate that based on the 7p marketing strategy that has been implemented by Bank Aman Syariah Sekampung there are effective strategies in attracting customer interest, namely product, price, place, people and process strategies. Meanwhile, strategies that are less effective in attracting customer interest in haj savings products are promotional strategies and physical evidence. In the promotion strategy, the promotion carried out by Bank Aman Syariah Sekampung is not optimal, namely for the media there is no special brochure for Hajj savings and the lack of active promotion carried out through social media such as Instagram and Facebook. The physical evidence strategy is less effective because in the last 5 years there have been no customers who have performed the pilgrimage using the Hajj savings product of Bank Aman Syariah, this has made the public less confident because there is no evidence considering the physical evidence shows how the quality of a product..]]>
<![CDATA[Pengaruh Sikap, Norma Subjektif, dan Religiusitas Terhadap Preferensi Halal Pada Produk Kosmetik di kalangan Gen Z ]]>
<![CDATA[Hakiki, Habibillah]]>;
<![CDATA[Priantina, Anita]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2401
<![CDATA[The aim of this study is to analyse the influence of attitudes, subjective norms and religiosity on halal preferences for cosmetic products, with a focus on Generation Z. Using a quantitative method with an SEM-PLS approach, this study collected primary data from Generation Z respondents who purchased halal cosmetic products. The analysis shows that attitudes, subjective norms and religiosity together have a significant influence on halal preferences, allowing a deeper understanding of the factors that influence purchasing decisions in this context. The findings of this study provide valuable insights for marketers of halal cosmetic products to develop more targeted and effective marketing strategies to reach Generation Z consumers. Nevertheless, this study has limitations, such as geographical restrictions and not taking into account certain external variables. Therefore, it is recommended for future research to expand the scope and consider additional external factors. To summarise, this study should provide a basis for developing smarter marketing strategies that address halal preferences in cosmetic products in the digital age.]]>
<![CDATA[Pembangunan Berkelanjutan (SDGs): Sociopreneur Zakat Produktif Sebagai Upaya Pengentasan Kemiskinan ]]>
<![CDATA[Amirah, Nabilla]]>;
<![CDATA[Sulfinadia, Hamda]]>;
<![CDATA[Efrinaldi, Efirnaldi]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2382
<![CDATA[The purpose of this research is to analyze the business activities of the productive zakat distribution that have been carried out by Dompet Dhuafa Singgalang and to analyze the role of the productive zakat sociopreneur program in efforts to realize sustainable development (SDGs). This research is field research with a qualitative descriptive approach. The data sources used a primary data sources and secondary data sources and data collection techniques are interview. Based on the results of the analysis carried out, it is clear that productive zakat actively participates in sociopreneur activities by financing eight goals of zakat recipients with the concept of social entrepreneurship including the Kampuang Nila Program in Pauh Padang City, Solok Sirukam Coffee Village Program, DD Farm Padang Pariaman Center, DD Farm Solok Sirukam Center, Minang Sepakat Souvenir Center and Kampoeng Ternak in Ampuan Lumpo Pesisir Selatan. The role of the productive zakat sociopreneur program in efforts to realize sustainable development (SDGs) has a very good impact so that this has a positive impact on the community..]]>
<![CDATA[The Role of Sharia Pawnshop in Supporting The Growth of The Halal Industry: Opportunities and Challenges ]]>
<![CDATA[Husna, Arinal]]>;
<![CDATA[Asytuti, Rinda]]>;
<![CDATA[Ramadhani, Diva Nimas]]>;
<![CDATA[Rosalita, Dwi Mukti]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2385
<![CDATA[This research discusses the role of sharia pawnshops in supporting the strength of the Islamic financial ecosystem through the halal industry. The halal industry continues to develop rapidly in this era so the role of sharia pawnshop is not overlooked in its development. This research uses a qualitative research method that uses a descriptive analysis approach that uses various sources regarding the Sharia financial ecosystem, halal business, and the function of Sharia pawnshops in facilitating the Islamic financial ecosystem. This research explains that Sharia pawnshop can be a financial solution regarding limited capital and household economics. MSMEs are an indicator of contributing to GDP in countries that are experiencing difficulties with bank loans. Sharia pawnshop can provide capital loans with fairly easy conditions, one of which is the BPKB Ar-rum product. This research found that Sharia pawnshop has carried out a lot of promotion and education to increase public interest in Sharia pawnshop through offering benefits and in-depth understanding. This is proven by innovations in Sharia pawnshop products. Qardhul Hasan, ijarah, musyarakah, ba'i muqayyadah and murabahah-based financing in sharia procurement really supports the development of the halal industry.]]>
<![CDATA[Identifikasi Mission Drift Pada Keadilan Jender dan Inklusi Sosial di Lembaga Keuangan Mikro Syariah ]]>
<![CDATA[Hazmi, Faiqul]]>;
<![CDATA[Utami, Cahyaning Budi]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2397
<![CDATA[Islamic Microfinance institutions (IMFIs) their operations are expected to not only consider financial performance, but must accommodate the principles of gender justice, because humans both men, women and people with disabilities are equally as khalifatullah fil ard to manage the earth as God wills. However, several studies show a shift in the mission carried out by IMFIs. This research aims to determine the forms of mission drift that occur at IMFIs, especially Baitul Maal Wat Tamwil in 3 districts in Central Java, District of Jepara, Kudus and Demak. These three regions were chosen because they have different levels of IMFIs development. The research results show that the forms of mission drift that occur include: (1) Differences in the accessibility of financial services based on gender; (2) Changes in IMFIs customer priorities; (3) Product changes that prioritize bankable customers; (4) Increasing of Margin, Ujroh profit sharing portion and costs; (5) Changing the focus of financing to be more profit-oriented. The implication of the results of this research is that MFIs need to mainstream gender by paying attention to the portion of financing and absorbing public funds in a Gender-equity manner by encouraging balance between the portions of men and women. Regulators need to carry out strict supervision so that their commitment to maintaining the IMFIs mission values, apart from that, stimulus to institutions that prioritize gender justice also needs to be provided.]]>
<![CDATA[Promosi Melalui Endorse Pada Produk Kosmetik Wardah Ditinjau Dari Perspektif Bisnis Syariah (Studi Kasus Pada Mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Fatmawati Sukarno Bengkulu) ]]>
<![CDATA[Effrianti, Yeka]]>;
<![CDATA[Wahyuni, Eka Sri]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2400
<![CDATA[This study aims to determine promotion through endorsement in increasing consumer buying interest in wardah cosmetic products and the application of sharia business principles in the promotion of endorsement on wardah cosmetic products. This study used descriptive qualitative research method. Data collection techniques of interviews, observation and documentation. Data analysis techniques use descriptive analysis with stages of data reduction, data presentation, and conclusion. The result of this study is that promotion through endorsements on wardah cosmetic products is very influential in increasing consumer buying interest if done honestly, transparently, and with good and correct descriptions and ways. Therefore, honesty, transparency in endorsing and also describing products well are needed in promoting products with endorsements. Viewed from the perspective of sharia business, the promotion of endorsement on wardah cosmetic products carried out by Dewi Sandra is able to increase consumer buying interest and has also fulfilled the principles of sharia business in promoting by endorsing wardah cosmetic products. ]]>
<![CDATA[Pengaruh Marketing Mix Terhadap Keputusan Menabung Nasabah Bank Syariah Indonesia di Kota Bengkulu ]]>
<![CDATA[Shar, Aan]]>;
<![CDATA[Fitri, Marsellina]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2384
<![CDATA[The aim of this research is to determine the influence of Marketing Mix on the Savings Decision-Making of customers of Indonesian Sharia Banks in the city of Bengkulu. This study employs a descriptive research approach with primary data collection methods and the sampling technique used is incidental sampling with a total of 100 respondents. The data analysis techniques utilized include validity testing, reliability testing, and multiple linear regression. The research findings indicate that Product, Price, Place, and Promotion, both partially and simultaneously, have a significant impact on the Savings Decision-Making of customers of Indonesian Sharia Banks in the city of Bengkulu.]]>
<![CDATA[Faktor Perilaku Investor Millenial Dalam Transaksi Saham di Pasar Modal ]]>
<![CDATA[Hartini, Kustin]]>;
<![CDATA[Asnaini, Asnaini]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2383
<![CDATA[This study aims to determine the factors that shape the behavior of millennial investors in stock transactions in the Capital Market. This type of research is quantitative using an exploratory quantitative approach. The data analysis technique in this study used exploratory factor analysis using the JASP (Jeffrey's Amazing Statistics Program) application. The population of this study are investors who are members of a securities company in Bengkulu Province. The sample selection used purposive sampling method. The results of the analysis of the forming factors of millennial investors in stock transactions are determined by the 4 factors that shape them from the 25 indicators used. Factor one, with its constituent indicators there are 9 factors out of 25 indicators used. Factor two, from the results of the second factor research was formed by 9 indicators of the 25 indicators used. Factor three is formed from 4 indicators, with indicators that form it. Factor four, there are 6 indicators that form from 25 indicators. The four factors formed show rational factors, irrational factors, psychological factors as well as religious factors which determine millennial investors in stock transactions on the capital market. The factors that become investors' preferences in choosing shares are not only rational, irrational and also psychological factors, but religiosity factors are also taken into consideration in decision making and this is a consideration for issuers in their annual reports to be able to reveal their religiosity values.]]>
