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Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Published by Universitas Islam Negeri Fatmawati Sukarno Bengkulu
ISSN : P2476877     EISSN : E2621668     DOI : https://doi.crossref.org/servlet/home
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
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.
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 11, No 2 (2025)" : 15 Documents clear
Evaluation of Revenue Volatility Risk in Financing Assets of Islamic Banks in Indonesia: Variance and Standard Deviation Approach Taujiharrahman, Darma; Kismojo, Bambang; Puspita, Elsa; Kharmain, Muhammad Miftah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
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.v11i2.8609

Abstract

Purpose: This study aims to measure the risk associated with the financing assets of Islamic banks in Indonesia by examining the volatility of income generated, both at the level of individual assets and within a portfolio context..Design/methodology: This research adopts a quantitative approach through descriptive statistical methods. The analysis utilizes variance and standard deviation formulas to process historical data obtained from the official statistics of Islamic banking in Indonesia over the period 2015-2024.Findings: The findings indicate that portfolio diversification can reduce risk levels in Islamic bank financing assets. However, a high degree of correlation among financing instruments suggests that the diversification strategy may not be fully effective. This highlights the importance of asset selection and correlation analysis in constructing resilient Islamic finance portfolios.Practical implications: Periodic and empirical risk assessments are crucial for evaluating strategic vision within a risk management framework. This study reveals that diversification practices in Islamic banks in Indonesia are executed by considering risk-return deviation, particularly through high musyarakah allocations with low deviation rates. Equity-based financing demonstrates a safer deviation rate than fixed-based financing such as murabahah, istishna, and ijarah thereby offering an alternative allocation to secure portfolios.Originality/Value: This study contributes to the literature by offering an empirical evaluation of income volatility risks in Islamic banking financing assets. It critically assesses the implementation of diversification strategies, providing insights into their effectiveness and alignment with the foundational goals of Sharia-based financial risk management.
Municipal Sukuk as Financing Model for Halal Tourism Development in West Sumatera, Indonesia Mardian, Sepky; Armen, Rio Erismen
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
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.v11i2.7105

Abstract

Purpose: The study proposed a municipal sukuk model in strengthen halal tourism development in West Sumatera, Indonesia. After analyzing its opportunities and challenges within the context of limited local government financing.Design/methodology: The study employs a qualitative approach that combines literature review and field studies through interview as a technique of data collection. Interviews were conducted to the various stakeholders of halal tourism in West Sumatera. Six steps of the thematic analysis approach are employed to analyze the interview data. Discussion of findings was conducted by referencing the relevant research and other publications.Findings: The results show that stakeholders recognize municipal sukuk as a feasible instrument to finance halal tourism infrastructure. However, challenges remain, including the absence of specific local regulations, limited government assets, and insufficient technical capacity. Potential underlying assets include regional-owned hotels and tourist destinations, as well as tanah ulayat managed by nagari communities. Ijarah-based contracts, such as ijarah and ijarah maushufah fi al-zimmah, are identified as suitable structures for sukuk issuance.Practical Implication: The study provides policy insights for local governments and stakeholders in designing a regulatory and institutional framework for municipal sukuk, thereby enhancing sustainable halal tourism financing.Originality/Value: To the best of our knowledge, this is the first study to explore municipal sukuk for halal tourism development in Indonesia. It contributes to the literature on Islamic public finance by offering a novel model of sukuk issuance at the municipal level, extending the discourse on Islamic capital market instruments for regional economic development.
Exploratory Factor Analysis of Regional Economic Development Indicators in Indonesia : A Maqasid Al-Shariah Approach Elvira, Rini; Izmuddin, Iiz
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
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.v11i2.8876

Abstract

Purpose: This study aims to identify the factor structure of regional economic development indicators in Indonesia using Exploratory Factor Analysis and map them into the five dimensions of maqasid al-shariah, namely the protection of faith (din), soul (nafs), intellect (aql), offspring (nasl), and property (mal).Design/methodology: This research uses an explanatory quantitative approach with Exploratory Factor Analysis (EFA) technique on panel data of 34 provinces in Indonesia during the period 2017-2023.Findings: This study found that 12 out of 18 indicators of regional economic development in Indonesia have represented the five dimensions of maqasid al-shariah. This finding was obtained through exploratory factor analysis (EFA) with Promax Rotation, where all indicators had factor loading values ≥ 0.5. This finding confirms the validity of the factor structure as well as its compatibility with the maqasid al-sharia approach.Practical Implication: This study emphasizes the integration of maqasid al-shariah into regional development, ensuring a balance between material and non-material welfare. The framework supports policymakers in reducing disparities and promoting inclusive and sustainable growth.Originality/Value: This research offers a new approach in mapping conventional economic development indicators into the maqasid al-sharia approach through the EFA method, which has not been widely done in shariah economic development studies in Indonesia.
The Role of Sharia Banking in the Development of the Halal Tourism Industry in Indonesia: Opportunities and Challenges in Bengkulu Province suharyono, suharyono; Suyono, Suyono; Yanto, Syafri; Azmi, Muhammad
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
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.v11i2.8483

Abstract

Purpose: This study aims to examine the role of Islamic banking in the development of halal tourism in Indonesia, with a particular focus on identifying both opportunities and challenges.Design/Methodology: This research employs a qualitative approach with a descriptive-analytical method. The study is based on a literature review and analyzed through several stages, including classification, reduction, and verification of sources related to halal tourism.Findings: The findings indicate that Islamic banking holds a pivotal role in advancing halal tourism by providing financing, facilitating sharia-compliant financial services, and fostering synergies with related halal industries. Nonetheless, limited public awareness and competition with conventional banks remain significant challenges to its optimal contribution.Practical Implications: The study highlights that Islamic banking can play a strategic role in financing and supporting halal tourism businesses, particularly by addressing capital constraints. Strengthening collaboration and innovative sharia-compliant financial products will enhance the growth and sustainability of halal tourism in IndonesiaOriginality/Value: This research contributes originality by examining the intersection of Islamic banking and halal tourism within the specific context of Bengkulu Province, a locus rarely addressed in prior studies. The study advances the discourse by positioning Islamic banking not merely as a financing intermediary but as a structural enabler of halal tourism development, thereby offering a novel perspective on its role in regional economic empowerment and sustainable industry growth
Social Media, Economic Constraints, and Humanitarian Values: Drivers of Boycott Behavior Among Young Muslim Consumers in Indonesia Faizi, Faizi; Putri, Indira Fadhilla; Bin Shuib, Mohd Sollehudin
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
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.v11i2.8236

Abstract

Purpose: This study investigates the influence of social media, economic factors, and humanitarian values on young Muslim consumers’ consumption preferences in Jabodetabek, Indonesia, regarding pro-Israel products amid ongoing boycott campaigns related to the Israel-Palestine conflict.Design/methodology: A quantitative approach was employed to collect data through surveys with 120 students in the Jabodetabek region. The Partial Least Squares (PLS) method was used for data analysis, focusing on variables such as social media exposure, price sensitivity, and ethical considerations.Findings: The results indicate that social media significantly shapes consumption preferences by disseminating information and forming public opinion, with platforms such as Instagram and TikTok playing a pivotal role. Economic factors, particularly price sensitivity and budget constraints, critically affect purchasing behavior, whereas humanitarian values, such as moral solidarity and ethical considerations, strongly motivate boycott participation. Collectively, these factors accounted for 62.8% of the variance in consumption preferences.Practical Implication: Businesses should adopt socially responsible branding and leverage social media to align themselves with consumer values. Policymakers and activists can use these insights to promote ethical consumption and support local alternatives.Originality/Value: This study integrates social media, economic, and humanitarian dimensions to offer a holistic understanding of boycott dynamics in an emerging economy. It bridges gaps in the literature by highlighting the interplay between digital influence, economic practicality, and moral convictions in consumer behavior

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