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Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah
Published by Universitas Islam Negeri Fatmawati Sukarno Bengkulu
ISSN : 24768774     EISSN : 2621668X     DOI : 10.29300/aij
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Focus Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah provides a scholarly forum for researchers, academics, and practitioners to discuss contemporary and emerging issues in Islamic economics, banking, and finance. Scope The journal welcomes original empirical and theoretical contributions covering, but not limited to, the following areas: Islamic Economics and Development Islamic Accounting and Auditing Islamic Philanthropy and Social Finance (Zakat, Infaq, Sadaqah, and Waqf) Islamic Business Ethics and Corporate Governance Islamic Insurance (Takaful) Islamic Microfinance Islamic Capital Markets Islamic Banking and Financial Institutions
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "vol 10, no 2 (2024)" : 15 Documents clear
Halalpreneur Opportunities and Challenges: Empirical Evidence from Indonesia Sadali, Ayatullah; Fikri, Muhammad Khoirul; Adinugraha, Hendri Hermawan
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.3893

Abstract

Purpose: This research aims to explain the business opportunities and challenges of the halal industry in Indonesia for HalalpreneursDesign/methodology: This qualitative research has used a literature review approach and adopts a content analysis methodologyFindings: The findings of this literature review show that the primary goal of a Halalpreneur is to achieve happiness in ad-daraini. Synonyms for the term Halalpreneur are Islamicpreneur, Shariapreneur, and Muslimpreneur. The substantive meaning of these terms is the same. Everything has the same essence as Halalpreneur. The opportunity and potential of the Indonesian state compared to other countries in developing the Islamic economy are strengthening the halal industry sectorPractical implications: The empirical implication of this research is to describe the halal industrial business still has the opportunity to become an alternative to Halalpreneur, such as Islamic tour travel, Islamic fashion, halal cosmetics, halal culinary, halal spa, and Sharia online motorcycle taxi services. The challenge facing the Indonesian nation today is the need for Halalpreneurs. The challenge ahead for the Indonesian people is the need to play a more active role in the halal industry. Another challenge is their need for more participation in advancing entrepreneurial activities at the micro and macro levels. These implications provide a clear roadmap for potential Halalpreneurs in Indonesia. Originality/Value: Halalpreneurs are very important for economic growth in Indonesia, according to Sharia, and they benefit all humanityKeywors: Halalpreneur; Entrepreneurship; Opportunities; Challenges
Building Muslim Costumer Loyality in Marketplace Through MDA Framework For Male and Female Millenials Kusumadewi, Rita; Perwiranegara, Agus Alamsyah; Aini, Farihatu
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.4766

Abstract

Purpose: Gamification have been widely applied as marketing strategies for sustainable valueadded development. This research have explored the relationships between the gamification components and consumer continuous usage at marketplace’s games.Design/methodology: This research analyzed and comparing behaviour between man and woman, how game elements anda mechanics impact their gaming behavior and awaken positive feelings to increase the stickiness of the marketplace. This research model empirically surveyed 100 (each man and woman) marketplace app users, based on the Mechanics–Dynamics–Aesthetics (MDA) framework.Findings: The results show that the self-challenge is a pre-factor that affects self-benefit, fun, and social interaction, while self-benefit and social interaction affect fun. The results also show that both men and women, they all feel that the games on the marketplace have simple playing rules, making it fun for players to play and win. The results of the hypothesis test show that (1) The MDA Framework variable partially has a positive and significant influence on the Loyalty variable for male game players in the marketplace by 25.71%, and (2) partially has a positive and significant influence on the variable Loyalty of female game players in the marketplace by 26.01%.Practical implications: The empirical implication of this research is to determine the conditions and factors that cause man and woman become a loyal customer of a marketplace.Originality/Value: It's not just the education or entertainment industry that must involve games in its activities, but marketplaces can also build consumer loyalty through games. The contribution of this research focuses on efforts focus on fun activities that can build customer loyalty of the market place
The Quality of Mobile Banking Services For Bank Syariah Indonesia (BSI) Customer Satisfaction in Surabaya Sutono, Sutono; Kassim, Umar
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.3839

Abstract

This research aims to determine the influence of the quality of Bank Syariah Indonesia's mobile banking services (BSI Mobile) on customer satisfaction at Bank Syariah Indonesia KCP Diponegoro 2 Surabaya. The research method uses a quantitative approach. The population in this research is all BSI KCP Diponegoro 2 Surabaya customers. Meanwhile, the sample in this research is some BSI KCP Diponegoro 2 Surabaya customers who use the BSI Mobile application. Considering the large population so that the exact number cannot be known and the limited time in conducting research, this research uses the Lemeshow formula with a maximum estimate of 7% and an error rate of 5% as a guideline in finding the number of samples used. So through this technique a sample of 100 respondents was obtained. Data was collected through distributing questionnaires using incidental sampling technique. The data analysis process uses simple linear regression, hypothesis testing, and coefficient of determination. The research results show that the quality of BSI Mobile services has an influence on customer satisfaction. The influence between the independent variable and the dependent variable is 79.2%, while 20.8% is influenced by other factors not included in this research. This research can help increase customer satisfaction in using the BSI Mobile application.
Analysis of Sharia Financial Literacy Levels of Nagara's Muslim Community El Wafa, Faqih; Rahmah, Rahmah; Gafur, Abdul; Ansharullah, Ansharullah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.3971

Abstract

Purpose: This research was to determine the level of Islamic financial literacy of the Nagara Community, North Daha District, Hulu Sungai Selatan Regency and what factors influence the level of literacy.Design/methodology: This study uses a questionnaire distributed online via google from. The sample used was 100 respondents. The data analysis method used is descriptive statistics and ANOVA test.Findings: The level of Islamic financial literacy of the North Daha District Community is 68% or in the medium category. The test results show that among the four factors (gender, age, education and occupation) education and occupation factors significantly affect Islamic financial literacy.Practical implications: this study can be used as a form of government benchmark to improve Islamic financial literacy, especially in areas that have minimal Islamic financial institutions. With this research, stakeholders can determine what programs are suitable for increasing literacy on indicators that are considered lacking.Originality/Value: This research is carried out using a combined method using the Chen and Volpe theory and collaborated using Islamic financial literacy indicators. In addition, the test results show that the variables of gender and age do not affect the level of literacy 
Strategy for Building Sharia-Conscious Competitiveness in Small and Medium Enterprises Based on Local Wisdom Karyono, Otong; Kamiruddin, Kamiruddin
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.4824

Abstract

This research aims to answer how to build a competitive strategy to increase competitive advantage based on a sharia economic perspective which is the basis for developing the strategy model. This research method is qualitative research with the main data source obtained from observations and interviews with informants selected in this research. Sampling was carried out using purposive sampling with the informant subjects being songko recca business owners and the local government in charge of it. This research produced several important findings including strategy, constraints, and competitive advantage models referring to Michael Porter's competitive strategy theory. The strategies that are considered important to implement are strategies oriented toward price, quality, and human resources. The obstacle faced is that there is still a gap between customer expectations and reality so the ideal competitive advantage strategy model for small and medium businesses based on local wisdom is still based on customs that have been passed down from generation to generation accompanied by forms, philosophical values, and unique characteristics. Contained in the craft and maintains the motif smoothly and naturally
Failure Mode and Effect Analysis on the Impact of Zakat on the Local Economy Darmawan, Darmawan; Alfajriyani, Siti
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.4561

Abstract

Purpose: This study employs a risk management approach to analyze factors influencing the impact of zakat on the local economy, with a focus on stimulating economic activity and job creation.Design/methodology: Data were collected from respondents involved in failure risk assessments based on frequency, impact, and detection capabilities of zakat institutions. Dominant factors were categorized into the collection, management, and utilization of zakat funds. The Failure Mode and Effect Analysis (FMEA) method was used to identify high-risk dominant factors.Findings: The study reveals critical factors that need immediate improvement, including trust, transparency, social campaigns, accountability, responsibility, forecasting, capital provision, planning, organizing, and training.Practical implications: This research highlights the need for zakat institutions to address key reflective indicators such as trust, transparency, social campaigns, accountability, responsibility, forecasting, capital provision, planning, organizing, and training to enhance the effectiveness of zakat in local economic development.Originality/Value: This study applies the FMEA method in the context of zakat management, providing a novel approach to identifying and prioritizing critical risk factors for improving the impact of zakat on local economies.
The level of Emotional Value and Customer Trust Assessment of State-Owned Enterprise Bank Customer of Kebayoran Baru South Jakarta Rusdian, Budi; Yunus, Riza Mahmud
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.4765

Abstract

Purpose: The rapid development of economy in Indonesia has given a positive influence to the services sectors including State-Owned Enterprise banking, everyone will need banks as their business partners. Customers’ trust is a great asset for banks. The long-term relationship of customer-banks depends on the presence of customers’ trust on the banks. The significance of this phenomenon in banking industry becomes more critical where banks have to know their individual customers as well as contextual factors that influence on customers’ emotional value and customers trust.Design/methodology: This study aims to measure the level of customers emotional value and customers’ trust. 400 customers from any state-owned enterprise bank in Kebayoran Baru - South Jakarta were selected to form the sampling frame.Findings: The results show that both emotional value and customer trust is at a good level. All products, services and product features are able to create the emotional value expected by customers. All employees, products and facilities provided by bank are able to create consumers trust in the bank.Practical implications: The empirical implication of this research is to determine the conditions and the level of emotional value and customer trust in state-owned enterprise bank.Originality/Value: All companies in the banking industry must increase their awareness of the importance of providing value related to the emotional side of customers and also the importance of maintaining customer trust. The contribution of this research focuses on efforts to attract customer through their emotional value and trust.Keywors: Emotional Value, Customer Trust, State-Owned Enterprise Bank.
Factors Influencing Foreign Direct Investment in Muslim Countries: The Role of Financial Developments Hatim, Fajri; Muhamad, Nurdin I; Azzaki, Muhammad Adnan; Nasar, Fahima
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.4076

Abstract

ABSTRACT   Purpose: This research reviewed the determinant factor of FDI in OIC countries using a framework of institutional quality, green economic policies, and the role of financial development.Design/methodology: The method used in this research is panel data analysis with the Generalized Method of Moments (GMM) approach. This research examines 32 OIC countries with 352 observations in the period 2010 to 2022.Findings: The results of the research are generally show that institutional quality, green economic policies and the role of financial development attract foreign direct investment. However, there are still factors that cause low FDI flows, the causal factor is voice and accountability and control of corruption.Practical implications: The empirical implication of this research is to determine the conditions and factors that cause FDI inflows through institutional quality, green economy and financial development in OIC countries.Originality/Value: OIC countries should improved their institutional quality with policies oriented towards global investor preferences. The contribution of this research focuses on efforts to attract capital flows for the development of OIC countries
Implementation of Islamic Organizational Culture in Indonesian Islamic Rural Bank Heriansyah, Heriansyah; Sitorus, Iwan Romadhan; Rahmat, Ihsan
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.4635

Abstract

Purpose: This study explains the internalization of Islam into the organizational culture in Islamic banks.Design/methodology: BPR Syariah Maslahat Dana Syariah Nusantara in Bengkulu City was appointed as a single case study. A semi-structured interview technique has been used, in addition to direct observation and several document collections such as bank profiles, meeting minutes, photos of activities, and monthly work recaps. All data were grouped, while interviews and observations were transcribed, coded, and categorized keywords.Findings: This article shows that the internalization of Islam in organizations is carried out simultaneously through written administrative regulations. The activities are congregational prayers at Zuhr time, reading several hadiths after prayer, weekly recitations in the office, reading Yasin’s letter every Friday morning, and monthly recitations carried out alternately at employees’ homes. In addition, several forms of Islamic values are also reflected in many practices: greeting and smiling to customers, speaking according to etiquette to coworkers, and wearing clothes that conform to Islamic standards.Practical implications: We have taken best practices from the implementation of Islamic organizational culture in banks and similar institutions. The culture and values can be modified according to the existing working procedures.Originality/Value: The conceptualization of Islamic organizational culture has been a topic of discussion. However, there is a dearth of documentation regarding best practices in Islamic banking. This study aims to provide insights into the adoption of effective practices at the organizational level within the Islamic banking sector.
Effectiveness of Halal Certification Labels on Halal Cuisine at Beach Tourist Sites on Tourists' Customer Satisfaction and Behavioral Intention Novrianda, Herry; Muttaqin, Faisal
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v10i2.4809

Abstract

Purpose: This study aims to explore the impact of halal certification on tourist satisfaction and behavioral intention. The primary focus is to understand the extent to which halal certification influences the experiences of tourists within the context of halal culinary offerings.Design/methodology: The research employs an experimental methodology, with an experimental design structured as (visual label, textual label) x 2 (halal content warning label, non-label) between subjects. The study involves 120 tourists visiting various attractions across Bengkulu Province. Participants were randomly assigned to different experimental cells, each exposed to distinct stimuli, to assess the effects of halal certification.Findings: The results of the study support all proposed hypotheses. The halal certification label on halal culinary products has a significant positive effect on customer satisfaction. Additionally, the presence of halal certification significantly influences tourists' behavioral intentions.Practical implications: The findings of this research provide valuable insights for policymakers, particularly government authorities, in formulating and enhancing policies related to halal certification and tourism development in Indonesia.Originality/Value: This research contributes to the literature by addressing a theoretical gap concerning the effectiveness of halal certification in the context of halal tourism. The study offers a substantial academic contribution, with implications for policy formulation in the tourism sector.

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