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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 221 Documents
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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.
Unlocking Islamic Consumer Behaviour on Gen Z: The Impact of E-Wallet Usage, Lifestyle, and Self Control Saputri, Indri Ayu; Fajri AF, Muh Shadiqul; Villaruel, Angelita S.
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (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.v11i1.6809

Abstract

Purpose: This study aims to examines the impact of e-wallet usage, lifestyle, and self-control on the Islamic islamic consumption behavior of Generation Z. By integrating these factors, it seeks to offer insights into consumer behavior from an Islamic perspective.Design/methodology: A quantitative explanatory research design was employed, targeting Generation Z in Samarinda. Data were collected via purposive sampling, with 100 respondents who actively use e-wallets. The study utilized ordinal logistic regression to analyze the influence of the independent variables (e-wallet usage, lifestyle, self-control) on the dependent variable (Islamic consumption behavior).Findings: E-wallet usage significantly affects Islamic consumption behavior, where its convenience often leads to both adherence and deviations from Islamic principles. Lifestyle, however, demonstrated a negative and insignificant effect on Islamic consumption behavior, indicating that it does not strongly influence adherence to Islamic principles in this context. Self-control emerges as a pivotal factor, positively correlating with adherence to Islamic consumption principles, mitigating excessive spending, and aligning with religious values.Practical implications: The findings provide practical insights for stakeholders, including policymakers and marketers, to foster Islamic consumption behavior by promoting ethical e-wallet features, enhancing awareness of lifestyle impacts, and strengthening self-control mechanisms.Originality/Value: This research offers a novel perspective by integrating lifestyle, self-control, and e-wallet usage within the framework of Islamic consumption behavior, contributing theoretical and practical knowledge to consumer behavior studies in a digital era.
A Framework for Integrated Zakat Management to Combat Poverty in Indonesia Using Analytic Network Process Vandiantara, Surya; Al Arif, Muhammad Nur Rianto; Nafis, Cholil
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (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.v11i1.6865

Abstract

Purpose: This research aims to propose an integrated zakat management model designed to decrease the number of impoverished individuals in Indonesia.Design/methodology: The study employs the Analytic Network Process (ANP) method, which involves conducting in-depth interviews with experts in the field.Findings: The main sub-indicator that dominates the zakat collection solution is the integration of collection between LAZ. Integration of central and regional distribution is the main priority in zakat distribution solutions. The main sub-indicator that dominates the zakat management solution is management integration between LAZPractical implications: Alternative strategies in the integrated zakat management model to reduce the number of poor people in Indonesia sequentially, which involve: 1) identification and mapping integration strategy, 2) digital platform, 3) certification of amil professionalism standards, and 4) urban-rural strategy.Originality/Value: There is no research that specifically discusses the integrated zakat management model to all LAZ in Indonesia
IMPLIKASI STRATEGI PEMASARAN MELALUI KOMODIFIKASI AGAMA DI INDONESIA Yustati, Herlina
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2018)
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.v11i1.946

Abstract

Religion in Indonesia is divided into Muslim, Christian, Catholic, Hindu, Buddhist, Khong Hu Chu and Other Religions. Religion Islam is the majority religion embraced by the Indonesian population, so that business people use this opportunity to re-commodification of religion. Commodification describes how capitalism launched an aim to accumulate capital, or realize the transformation of use-value into exchange value. The commodification of Islam in Indonesia occurred in various aspects. Mislanya commodification "sharia" through aspects of banking, insurance, hotel, tourism, etc. The commodification of Islamic symbols such as headscarves and halal labeling. Besides being able to be used as a marketing strategy for businesses, komodiikasi Islam also bring positive things if businesses make this situation as a means of education. The impact of the commodification of Islam such as the increasing development of Islamic financial institutions in Indonesia, increased public awareness to abandon usury, increased public awareness using the "sharia", the increasing number of Muslim women who wear the hijab and the increasing awareness of Muslims to use halal products not only in food but also in cosmetics.
Innovation in Technology, Financial Literacy, and Security Risk in Cardless Withdrawals: Case Study on Customers Adoption at Bank Syariah Indonesia Henderianto, Ricky; Adinugraha, Hendri Hermawan; Shultoni, Muhammad; Andrean, Rizky
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (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.v11i1.5925

Abstract

Purpose: This study aims to analyze the impact of technological innovation, financial literacy, and security risk on the adoption of cardless withdrawal services among customers of Bank Syariah Indonesia (BSI) in Pekalongan Regency.Design/methodology: A quantitative research approach was employed, collecting data through a questionnaire distributed via Google Forms. The sample size was determined using the Lemeshow formula, resulting in 97 respondents. Data analysis included classical assumption tests, multiple linear regression, and hypothesis testing.Findings: The results indicate that technological innovation and security risk positively and significantly inthe fluence the adoption of cardless withdrawal services. Customers perceive security as a crucial factor in their decision to use this service. However, financial literacy does not significantly impact adoption, suggesting that customers’ financial knowledge does not play a major role in their willingness to utilize this feature.Practical implications: The findings provide valuable insights for Islamic banks to enhance digital banking adoption by improving technological infrastructure and security features. Additionally, efforts should be made to raise awareness about financial literacy to encourage broader acceptance of innovative banking services.Originality/Value: This study explores the adoption of cardless withdrawal services within the context of Islamic banking, particularly in a regional setting that has not been extensively studied. It offers a novel contribution by examining the interplay of technological innovation, financial literacy, and security risk in influencing customer behavior.
Islamic Financial Literacy In Digital Age: The Role Of Social Capital And Digital Literacy Herawati, Mesi; Mukhsin, Muhamad
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (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.v11i1.7074

Abstract

Purpose: This study investigates the influence of digital literacy and social capital on Islamic financial literacy among millennials in Indonesia, focusing on their ability to utilize digital platforms and social networks for financial education and decision-making in accordance with Islamic principles.Design/methodology: Using a quantitative approach, primary data was collected from 270 respondents fitting the criteria of Indonesian students who use Islamic financial services. Data analysis employed the multiple linear regression method using SmartPLS 4.0. Reliability and validity tests, along with hypothesis testing, were conducted to assess the relationship between digital literacy, social capital, and Islamic financial literacy.Findings: The findings reveal that both digital literacy and social capital positively and significantly influence Islamic financial literacy. Digital literacy enhances individuals' access to Islamic financial information through digital platforms, while social capital facilitates knowledge-sharing and trust within communities, further reinforcing financial literacy levels.Practical implications: The study emphasizes the need to leverage digital technologies and strengthen community-based approaches to improve Islamic financial literacy. Stakeholders, including educational institutions and financial service providers, should integrate digital literacy education and promote community engagement to foster Islamic financial literacy.Originality/Value: This research contributes to the limited body of knowledge on the interplay between digital literacy, social capital, and Islamic financial literacy, particularly in a digital era context. It offers strategic insights for enhancing financial literacy within Islamic frameworks through technological and social interventions.
The Effectiveness of “Wassam” in Improving Students’ Waqf Stock Literacy Harpepen, Andi; Yustati, Herlina
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (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.v11i1.7203

Abstract

Purpose: This study aims to assess the effectiveness of the Wassam application in improving stock waqf literacy among students of the Faculty of Economics and Islamic Business (FEBI) at UIN Fatmawati Sukarno Bengkulu.Design/methodology: The research employs an experimental design with a one-group pretest-posttest model to measure changes in stock waqf literacy before and after using the Wasam application. A total of 30 students from the 6th semester were selected as the experimental group. Data were analyzed using the Simple Weighted Index method and JASP software.Findings: The results show a significant increase in literacy scores from 71.08 to 95.88, with a paired sample t-test yielding a p-value of <0.001, indicating a statistically significant improvement. This suggests that the Wasam application effectively enhances students’ understanding of stock waqf, supporting previous research and contributing to the development of digital-based waqf education.Practical implications: The findings highlight the potential of digital platforms in improving waqf literacy. The Wasam application can be used as an effective educational tool to increase awareness and understanding of stock waqf among students. Institutions can integrate such applications into their curriculum to further enhance financial literacy and digital waqf adoption.Originality/Value: This study contributes to the limited literature on digital waqf literacy by empirically evaluating the impact of the Wasam application. It provides a novel insight into how digital tools can enhance understanding and engagement with stock waqf, especially among university students.
Marketing Dynamics of Muslim MSMEs In Bengkulu Province: Product Innovation, Competitive Advantage, and Market Orientation in Improving Marketing Performance Novrianda, Herry; Shar, Aan
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (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.v11i1.6188

Abstract

Purpose:The purpose of this study is to explore the impact of business strategy development, mainly focusing on product innovation, competitive advantage, and market orientation, on the marketing performance of micro, small, and medium enterprises (MSMEs) in Bengkulu Province. The research emphasizes the importance of optimizing marketing performance to boost economic outcomes, not only for large enterprises but also for MSMEs, which play a significant role in local economies.Design/Methodology:This research utilizes a descriptive quantitative methodology to investigate the proposed relationships. A non-probability sampling technique, precisely the judgmental (purposive) method, was employed to select a sample of 500 owners or managers of MSMEs across various districts of Bengkulu Province, including Kaur, Seluma, Lebong, Kepahiang, and Central Bengkulu. The data were subjected to reliability and validity tests based on pre-test results, and multiple linear regression was applied to analyze the main hypotheses.Findings:The findings reveal that product innovation, competitive advantage, and market orientation all have a positive and significant influence on the marketing performance of MSMEs in Bengkulu Province. The results highlight the critical role these factors play in enhancing the marketing effectiveness of MSMEs, demonstrating that improvements in these strategic areas can lead to substantial gains in overall marketing performance.Practical Implications:The practical implications of this research suggest that MSME owners and managers should focus on strengthening their product innovation capabilities, leveraging competitive advantages, and adopting a more market-oriented approach to improve marketing performance. These strategies could drive economic growth and sustainability for MSMEs in Bengkulu Province, contributing to broader regional economic development.Originality/Value:This study offers valuable insights into the marketing performance of MSMEs in a developing region, specifically Bengkulu Province. By focusing on the combined impact of product innovation, competitive advantage, and market orientation, the research provides a comprehensive understanding of how these strategic elements influence MSME marketing outcomes. The originality lies in its application to a relatively under-researched context, offering practical recommendations for MSME development.
Mainstreaming Green Investment in Sharia Securities in Indonesia (Case Study of North Sumatra Province) Syahputra, Angga; Nurhayati, Nurhayati; Soemitra, Andri
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (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.v11i1.4875

Abstract

Purpose: The purpose of this study is to explore the mainstreaming of green investment in Islamic securities in North Sumatra. This research focuses on identifying key aspects, challenges, solutions, and priority strategies to promote green investment, particularly in sharia-compliant stocks. Given the global trend of increasing green investment, which reached 2.5 trillion USD by 2021, this study aims to analyze the role of green investment in supporting sustainable economic development, especially in North Sumatra, where no issuers are currently included in the ESG index despite having 12 IPO issuers, 9 of which are sharia stocks.Design/methodology: This research utilizes the Analytical Network Process (ANP) method to systematically identify the factors influencing green investment in Islamic securities. The study examines aspects such as profit and risk, the primary challenges investors face, and possible solutions to mitigate financial risks.Findings: The findings reveal that profit and risk considerations are key factors influencing green investment in Islamic securities. The main challenge identified is the uncertainty of financial risk, which deters potential investors. The priority solution to address this issue is implementing effective risk management strategies to reduce investment uncertainty. Additionally, increasing awareness and education on green investment can help improve investor confidence and participation.Practical implications: The implications of this research emphasize the importance of various efforts to provide an understanding of the importance of green investment in Islamic stocks to various parties so that the mainstreaming of green investment in North Sumatra can be achieved.Originality/Value: The originality of this study lies in its focus on an under-researched area, offering practical recommendations for integrating sustainability principles into Islamic financial markets.
Impact Of Macroeconomic Variables And Zakat On Poverty Alleviation: Evidence From Indonesian Panel Data Analysis Jaya, Tiara Juliana; Meylianingrum, Kurniawati; Aghniacakti, Ainindita; Kholilah, Kholilah; Syariati, Dian
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (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.v11i1.4943

Abstract

Purpose: This study examined the impact of macroeconomic variables and zakat on poverty alleviation.Design/methodology: This study is a quantitative study with a regression analysis method of panel data in districts/cities in Central Java, West Java, and East Java, from 2018 to 2022. Additional testing on a subsample in East Java was conducted to ensure the consistency of the results.Findings: The findings indicate that the Human Development Index, gross domestic product, and zakat negatively affect poverty levels, while the regional minimum wage positively affects poverty alleviation. Further, the study fails to find any significant impact of government expenditure on poverty alleviation. The test in East Java indicates that only the regional minimum wage and government expenditure affect poverty levels. This suggests that poverty is a complex issue that varies from region to region, necessitating region-specific poverty alleviation policies.Practical implications: These results suggest that the synergy between government and society is crucial for poverty alleviation in Indonesia, and policies should be tailored to the specific conditions of each region.Originality/Value: This study provides insights into the complex relationship between macroeconomic variables and poverty alleviation, highlighting the regional differences in the impact of these variables.

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