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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 10 Documents
 1 
Search results for , issue "vol 9, no 2 (2023)" : 10 Documents clear
Niat dan Perilaku Mahasiswa di Indonesia Untuk Bertransaksi Ziswaf Secara Digital Melalui Layanan M-Banking Syariah Saibil, Defi Insani; Romadoni, Muhammad Fathul
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
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.v9i2.2466

Abstract

This research is to analyze the behavior and intentions of students to transact ZISWAF digitally through sharia m-banking services. This study uses the expansion of the Unified Theory of Acceptance and Use to Technology (UTAUT) model by adding the trust construct. Data collection used the Google form with a sample of students who had ZISWAF digitally through sharia m-banking with a sample of 97 respondents. The research findings show that the intention to participate in ZISWAF through sharia m-banking is influenced by social influence, facilitating conditions and trust. However, the variable performance expectations and effort expectations are not significant to behavioral intentions. Meanwhile, adoption behavior (usage adoption) is influenced by beliefs and behavioral intentions which significantly influence the adoption of sharia m-banking services for students with ZISWAF among students in Indonesia.
Kinerja Bank Syariah Indonesia Tahun 2021 Dengan Pendekatan Islamicity Performance Index Arisandi, Debby; Diandra, Didip; Juliansyah, Shi Badio Muhammad
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
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.v9i2.2462

Abstract

The aim of this research is to find out and explain the performance of Bank Syariah Indonesia (BSI) in 2021 using the Islamicity Performance Index approach using a quantitative descriptive type of research. The sample in this study is Indonesian Sharia Banks listed on the Indonesia Stock Exchange (IDX) in 2021. The data source used is secondary data and data collection techniques use literature searches. Data analysis techniques using non-statistical quantitative methods descriptive quantitative methods. In the Islamicity Performance Index indicators, the performance of Bank Syariah Indonesia is as follows: Profit Sharing Ratio (PSR) results of the analysis are in very good predicate, Zakat Performance Index (ZPR) is in bad predicate, Equitable Distribution Ratio (EDR) which includes Qardh and Donation is not good, Employee Expense is not good, and Net Profit is not good, Islamic Investment vs. Non-Islamic Investment Ratio is very good, and Islamic Income vs. Non-Islamic Income Ratio is very good. Thus, the results of the performance of Bank Syariah Indonesia (BSI) for the 2021 period using the Islamicity Performance Index approach, the performance of Bank Syariah Indonesia has obtained results that are in accordance with using this method. 
Islamic Economic and Banking: A Scientrometric Analysis of Publications During 1989- July 2023 Dasril, Yosza Bin; arinsandy, yosy; Bin Salahuddin, Shahrul Nizam
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
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.v9i2.2482

Abstract

This Scientometric analysis examines the current status of broad research papers on Islamic Economic and Banking, as published in the Scopus database. The analysis primarily centers on providing descriptions pertaining to the characteristics and trends observed within keywords, authors, and journals. A total of 48 research studies were analyzed in this study. The search utilized to ascertain the research dataset was last updated in July 2023. Descriptive statistical methods were employed, and bibliometric analysis was conducted using the R Biblioshiny tool to ascertain the bibliometric map. In recent years, there has been a substantial increase in the quantity of scholarly articles addressing the topic of Islamic Economic and Banking. Several academic journals publish research on this theme, with Humanomics being one of the most prominent. Demiralp S. is widely regarded as an exceptionally productive writer with local impact by H index. The prevalent keywords observed over the timeframe including 2020 to July 2023 are Communism, Christianity, Capitalism, AAOIFI (The Accounting and Auditing Organization for Islamic Financial Institutions), Moral Economics, and Islamic socialism. This study offers a comprehensive analysis of prevailing patterns in subject matter, keywords, scholarly publications, and authors within the realm of Islamic Economic and Banking. Consequently, it furnishes valuable insights for researchers specializing in this area of study. This particular theme shows potential for further development. 
Faktor-Faktor Yang Mempengaruhi Niat Adopsi Mobile Banking Bank Syariah Indonesia di Kabupaten Kudus Nur, Fatikha Rizqya; Hadi, Nor; Dewi, Adelina Citra
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
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.v9i2.2463

Abstract

This article describes the results of testing the theory of planned behavior (TPB) which specifically examines the factors influencing intention of adoption of mobile banking. The research was conducted on customers of the Kudus branch of Bank Syari'ah Indonesia (BSI) in 2023. The research data was primary using a survey data collection technique, namely distributing questionnaires to BSI customers using mobile banking. The population is all customers of the BSI holy branch, with a total sample of 168 respondents. The sampling technique used is incident sampling. To analyze the data, the Structure of Equation Model (SEM) is used. The results showed that the hypothesis about the effect of perceived usefulness, perceived ease of use, and spiritual motivation proved to have a significant effect on the intention to adopt mobile banking. While social influence has no significant effect on the intention of adopting mobile banking. Meanwhile, the hypothesis that tests the effect of perceived usefulness, perceived ease of use, spiritual motivation, and adoption intention on the actual use of mobile banking is proven to have a significant effect. While the hypothesis about social influence has no effect on the actual use of mobile banking.
Pengaruh Sertifikasi Halal Terhadap Keputusan Pembelian Produk Scarlett Pada Mahasiswa Febi UIN Fatmawati Sukarno Bengkulu Hasanah, Uswatun; Sari, Mila Ratna
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
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.v9i2.2483

Abstract

The purpose of this study was to determine the effect of Halal Certification on Purchase Decisions for scarlett products in FEBI Students of Islamic Economics Study Program Fatmawati Sukamo Bengkulu State Islamic University. The quantitative research method with data analysis was processed through the SPSS 22 program. The research sample was selected using a purposive sampling technique which obtained 100 respondents. The results showed Halal certification has a positive effect on the decision to purchase scarlett products with a significance value (sig) 0.013 <0.05 and a t-value of 2.528. In general, the Halal Certificationhas an influence on purchasing decisions of scarlett products for FEBI Students of Islamic Economics Study Program Fatmawati Sukamo State Islamic University Bengkulu.
The Impact Of Human Resource Management Practices and Organizational Culture on Organizational Citizenship Behavior in Indonesian Sharia Banks Putrini, Nadia; Satrya, Aryana
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
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.v9i2.2464

Abstract

The research investigates the effect of Human Resource Management (HRM) practices and organizational culture on Organizational Citizenship Behavior (OCB), with organizational commitment as a mediating factor. The study aims to explore viable solutions and recommendations for improving OCB in Sharia Banks located in the Special Capital Region of Jakarta (DKI Jakarta). This study uses a quantitative approach using a questionnaire survey given to 260 permanent employees who work at Sharia Banks in DKI Jakarta. The collected data were analyzed using SEM-PLS to test the relationship between various variables. The findings of this study revealed that HRM practices and organizational culture have significant direct and indirect effects on OCB through the mediating role of organizational commitment. The results also showed that the proposed model achieved a good model fit, and HRM practices and organizational behavior have an indirect impact on OCB mediated by employee organizational commitment. In addition, the magnitude of the indirect impact of HRM practices was found to be significantly greater than the direct impact.
Analisis Harga Dalam Praktek Pembulatan Harga Dalam Perspektif Ekonomi Islam Sari, Tita Zurnila; Alfiah, Esti; Pramadeka, Katra
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
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.v9i2.2489

Abstract

The purpose of this study is to determine the mechanism used in determining the selling price and services on Copy Fitri Kel. Nusa Indah Kec. Ratu Agung City of Bengkulu, as well as studying the Islamic economic perspective on the mechanism for setting selling prices and services on Photocopy of Fitri. In order to comprehensively investigate this issue, the researchers used a qualitative methodology to collect pertinent data during the study. Research data collection was carried out through the use of observation and interviews, with the aim of investigating Copy Fitri as a research subject. Research on the analysis of the pricing mechanism and Copy Fitri services reveals that the rounding off price mechanism is ambiguous. However, Foto Copy Fitri uses a fair price approach which is in line with Islamic economic principles. The pricing strategy applied by Copy Fitri is considered reasonable because it does not exploit buyers, and profit margins are maintained at a reasonable level. Fitri's photocopy does not use the rounding price mechanism, while the rest of the rounding is allocated for mosque charity. The round price is an important balance point mutually agreed upon by sellers and buyers, indicating a balance between the forces of supply and demand.
Macroeconomic Impact on Non-Performing Financing in Islamic Banking in 2011-2021 Hidayah, Aldila Nuri; Meylianingrum, Kurniawati
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
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.v9i2.2461

Abstract

This study aims to determine the effect of Gross Domestic Product (GDP), unemployment rate, inflation and debt on non-performing financing in the Middle East, Central Asia, and Indonesia for the 2011-2021 period. This research uses descriptive quantitative research methods. The data used in this study are secondary data with documentation data collection techniques and literature studies sourced from www.imf.org and financial statements. The data analysis technique used is multiple linear regression with Eviews 12 software. The results of this study show that GDP, unemployment rate, and inflation partially have not significant of non-performing financing. Meanwhile, debt has a positive and significant of non-performing financing.
Revitalisasi Pentasharufan Dana Zakat, Infak, dan Sedekah Dalam Meningkatkan Kesejahteraan Umat Menggunakan Konsep Three Circles Model Solikha, Mar'atus; Setiawan, FIrman
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
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.v9i2.2465

Abstract

The purpose of this research is to find out the three circless model of the revitalization of ZIS fund reform at BAZNAS Sidoarjo Regency as an effort to increase welfare and alleviate poverty. Qualitative descriptive is a type of research methodology used in this study. The author collects data using observation and interview methods. Meanwhile, descriptive data analysis techniques are used to show data, reduce, and draw conclusions. From the results of this study, it can be concluded that BAZNAS of Sidoarjo Regency implements revitalization with the concept of the three circless model to alleviate poverty in the Muslim community of Sidoarjo. This is evidenced by the existence of a good relationship between muzaki, amil, and mustahik in the management of ZIS. BAZNAS Sidoarjo Regency conducts outreach in various forms and is widely publicized, in collaboration with all stakeholders involved. BAZNAS Sidoarjo Regency has also set up Zakat Collector Units (UPZ) in various locations so they can be reached easily. BAZNAS Sidoarjo Regency cooperates with the Regent to urge government agencies and State Civil Apparatuses (ASN) to become muzakis and channel their ZIS through BAZNAS Sidoarjo Regency through a Circular Letter (SE) of the Regent of Sidoarjo. BAZNAS Sidoarjo Regency empowers mustahik with various economic, educational and productive work programs that will grow mustahik's income.
Optimalisasi Cash Waqf Linked Sukuk (CWLS) Melalui Peningkatan Literasi Wakaf (Studi Pada Wakaf Salman ITB) Khairani, Isti; Karamy, Nabiel; Didjaya Prawinata, Raden Bhatara; Saripudin, Udin; Handri, Handri
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
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.v9i2.2460

Abstract

This research aims to analyze the optimization of Cash Waqf Linked Sukuk (CWLS) which is already underway. Until the end of 2022 in Retail CWLS series SWR 001 in 2020, CWLS Retail series SWR 002 in 2021, and CWLS Retail series SWR 003 in 2022. The research was conducted using descriptive methods with the research object at Wakaf Salman ITB as nazhir or manager waqf. The research results show that Waqf Salman has taken strategic steps in collaboration with various stakeholders. In increasing cash waqf through CWLS, it is necessary to increase education regarding sharia financial literacy and waqf literacy as well as knowledge about CWLS products. Education can be carried out through social media or webinars which further educate the advantages of CWLS products which have many benefits, not only for wakif, mauquf alaih, but also for the development of the sharia economy and national development.

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