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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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Community Welfare Perspective Islamic Human Development Index (IHDI) Yunadi, Ahmad; Hanafi, Syafiq Mahmadah; Muslim, Aziz
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.v11i1.6919

Abstract

Purpose: This study aims to analyze community welfare through the Islamic Human Development Index (IHDI) frameworkDesign/methodology: Utilizing a Comprehensive Literature Review (CLR) approach, the research examines previous studies indexed in Scopus and Emerald, selecting three relevant articles that explore community welfare from the IHDI perspectiveFindings: The IHDI framework is based on five maqasid sharia: ad-Din (religion), an-Nafs (life), al-Aql (education), an-Nasl (family), and al-Mal (wealth). Thus, well-being is assessed through both material (M) and non-material (NM) dimensions. IHDI and HDI have a positive correlation, therefore IHDI can serve as a predictive measure for HDI rankings, the advantages of IHDI are more comprehensive and holistic in measuring community welfare.Practical implications: The Islamic Human Development Index (HDI) can be calculated to quantify human well-being in Islam.Originality/Value: There is no literature review that specifically discusses the concept of IHDI from several previous authors.
Global Issue Pandemic and Technology Business: What The Role of Financing MSMEs an Islamic Perspective Theory? Ridwansyah, Ridwansyah; Razimi, Mohd Syahril Ahmad; Suprianingsih, Okta; Amrina, Dania Hellin; Sisdianto, Ersi
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.v11i1.5020

Abstract

Purpose: This research aims to analyze the impact of the global pandemic on the operations, sustainability, and growth of Micro, Small, and Medium Enterprises (MSMEs) and examine the role of MSME financing from the perspective of Islamic economic theory as an instrument to support the recovery and sustainability of MSME businesses during the pandemic.Design/methodology: This research employs a qualitative approach to explore the impact of the global pandemic on micro, small, and medium enterprises (MSMEs) and the role of technology and Islamic financing. The study involves 15 MSME owners and managers, utilizing semi-structured interviews and focus group discussions for data collection.Findings The research found that the global pandemic caused a significant decline in MSME revenues and activities, especially in Bandar Lampung City and West Lampung Regency with a 30-40 percent decline. Key factors include decreased demand, supply chain disruptions and social restrictions. While some MSMEs are turning to digital technology to adapt, many rely on self-financing rather than bank loans. Islamic finance principles have the potential to support the recovery of MSMEs, but the low utilization of Islamic financing points to the need to improve Islamic finance literacy and accessibility.Practical Implications: Based on the finding that MSMEs that quickly adopt digital technologies are able to survive better during the pandemic, the government and relevant agencies should develop more widespread and affordable digital literacy programs. These programs should be designed to improve the technological skills of MSME players, including the use of e-commerce, digital marketing and digital financial platforms. This will help MSMEs to be more competitive and flexible in the face of market changes.Originality/Value: This research is unique because it combines an Islamic perspective, particularly in Islamic financing, with an analysis of business technology in the midst of a global crisis such as the pandemic
The Influence of Product Visualization and Customer Reviews on Purchasing Decisions: Muslim Fashion on TikTok Shop Indonesia Fikriyah, Khusnul; Alam, Wira Yudha
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.v11i1.6871

Abstract

Purpose: The phenomenon of online shopping is becoming increasingly popular today. Clear product information accompanied by attractive photos and videos is a strategy to increase sales. This study aims to determine how product visualization and customer reviews influence purchasing decisions for Muslim fashion products on the TikTok Shop application in Indonesia.Design/methodology: The type of research used is quantitative research with an associative approach. The data collection method is by using a questionnaire aimed at respondents who shop online through the TikTok Shop application. The data collected is processed using SmartPLS.Findings: The results of the study show that product visualization and customer reviews have a significant effect on purchasing decisions. The findings indicate that most respondents read customer reviews before making a purchase to ensure that the Muslim fashion products match the displayed visualization.Practical implications: Businesses in the Muslim fashion industry on TikTok Shop can leverage high-quality product visualizations, including engaging photos and videos, to attract potential buyers and build trust. Companies should prioritize customer testimonials. They need to encourage satisfied customers to leave detailed reviews, ratings, and visual content, such as unboxing videos or photos, to strengthen credibility and influence potential buyers' decisions.Originality/Value: This study focuses on TikTok Shop, a new platform that combines social media and e-commerce. This study provides unique insights into consumer behavior that has not been widely studied before. In addition, this study also integrates cultural and religious aspects that are relevant in Indonesia as the largest Muslim market in the world.
The Power of Social Media: Shaping Risk Perception and Investment Decisions Among Young Equity Investors Yoga, Ika; Hastuti, Rina; Pramesti, Wahyu; Rahmayati, Anim
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.v11i1.5205

Abstract

Purpose: This research study examines the pivotal role of social media in shaping risk perception and investment behavior among young equity investors. It focuses on the impact of social media content on their attitudes toward risk and the decision-making process in investments.Design/Methodology: This study applied the quantitative method using the survey technique to extract data from 250 young stock investors. The data was collected via questionnaires based on a semantic differential scale and analyzed using the SEM-PLS method in order to get complex relationships between the variables unraveled.Findings: Social media significantly shapes young investors' risk perceptions and investment behavior. It not only directly influences investment decisions but also mediates risk perception, leading to changes in investment behavior.Practical implications: This is crucial evidence that informs the place for social media in integrating financial literacy into education. The fact that young investors are supposed to make a critical analysis of any information brought to them is important for these programs of financial literacy. The potential biases and misguidance in the information that can be found on social media should be made known to the young investors in order to raise their level of decision-making.Originality/Value: This paper offers new insights into the impact of social media on young investors' behavior, highlighting risk perception as a key mediator. It also emphasizes financial literacy programs—such as workshops and gamified learning—to counter social media biases. Additionally, this study fills gaps in the literature by exploring how social media shapes risk perception and investment decisions
The Influence of Muamalah Fiqh, Compensation, and Religiosity on Fraudulent Behavior with Islamic Work Ethics as a Moderating Variable Faisal, Yusuf; Sari, Egi Gumala; Artika, Artika; Athaillah, Ahmad
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.v11i1.4756

Abstract

Purpose: This study aims to obtain empirical evidence on the influence of fiqh muamalah, compensation and religiosity on fraudulent behaviour with Islamic work ethics as a moderation variable.Design/methodology: This study uses a quantitative type of research. This research was carried out using questionnaires distributed to lecturers and practitioners who are members of the Association of Islamic Economists (IAEI), the Sharia Economic Community (MES), the Forum of Lecturers in Islamic Economics and Business (FORDEBI) and the Indonesian Economics Scholars Association (ISEI), namely 350 questionnaires distributed via email and social media. Each questionnaire distributed has 114 statements to be answered by employees. From the distribution of the questionnaire carried out, 207 respondents were obtained who gave answers from 22 regions. To get the results of this study, the researcher used PLS SEM Version 3.0.Findings: The results of this study found that fiqh muamalah has a significant negative effect on fraudulent behaviour, compensation has a significant negative effect on fraudulent behaviour, religiosity has a significant negative effect on fraudulent behaviour, Islamic work ethics can moderate the relationship between fiqh muamalah and fraudulent behaviour, Islamic work ethics cannot moderate the relationship between compensation against fraudulent behaviour and Islamic work ethics cannot moderate the relationship between religiosity and fraudulent behavior.Practical implications: This research also encourages Islamic financial institutions to develop policies that foster a work environment rooted in Sharia principles, ultimately improving transparency, accountability, and trust in Islamic business practices.Originality/Value: This study focuses on fraudulent behaviour, where this research is a new research in discussing the relationship between fiqh mumalah and religiosity which is based on the nature of the Prophet.
Analysis of Vicious Circle of Poverty, the Social Role of Micro Waqf Bank, and Permissiveness of Street Vendors in Rural Indonesia Dahlan, Rahmat; Trihastuti, Aselina Endang; Pangestu, Raden Ali; Sitasari, Ita; Syaiin, Emmy Hamidiyah; Fauzi, 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.v11i1.5728

Abstract

Purpose: This study examines the social function of micro waqf banks and the permissive attitude of street vendors in breaking the cycle of poverty in rural areas.Design/Methodology: The study employs a qualitative method with a descriptive approach, using a purposive sample of 100 consumers from Bita Amanah Ummat Micro Waqf Bank in Garut Regency, West Java. Data were collected through interviews with two consumer group leaders, observations, and literature reviews. The collected data were then analysed using source triangulation.Findings: The findings reveal eight dimensions of the vicious cycle of poverty, identified through interview and field observations. The social role of micro-waqf institutions helps street vendors develop a more optimistic outlook on poverty. The data indicate that education (64%) is the most frequently mentioned concern, followed by social participation (76%), culture (59%), employment (52%), marital relationships (48%), health (35%), justice (21%), and housing (19%). The primary challenge faced by micro waqf bank customers in breaking the poverty cycle includes inadequate capital, low productivity, insufficient income, weak demand, and lack of investment.Practical implications: The study highlights the necessity of multi-faceted approach to poverty alleviation, with education as a key intervention. Addressing poverty effectively requires an integrated strategy that combines education, employment, social support, and policy reform to foster sustainable change.Originality/Value : The study integrates aspects of education, health, justice, employment, culture, housing, partnerships, and social participation as fundamental elements in breaking the vicious cycle of poverty among micro waqf bank customers.
Construction of Ethical Religiosity as a Marketing Strategy for Maqoo Halal Products Z Generation Muslim Consumers in Jombang Efendi, Rofik; Abitolkha, Amir Maliki; Abdulghani, Naser Ali
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.v11i2.7938

Abstract

Purpose:This study examines how Islamic religious streams in Jombang market halal Maqoo mineral water to Generation Z Muslims by reconstructing religiosity through the integration of ethical and economic values. The findings reveal that consumer engagement is shaped less by doctrinal obligation and more by an ethical economic synergy, offering new insights into Islamic marketing and consumerism.Design/Methodology:The study employs a qualitative method, drawing data from Maqoo halal water business actors within the Shiddiqiyah tarekat, its congregants, and randomly selected Generation Z Muslim consumers in Jombang. Chosen as the research locus for its pesantren culture and unique intertwining of spiritual authority and economic activity, Jombang provides a context to examine how ethical religiosity is constructed as younger Muslims negotiate between spiritual values and economic rationality in halal consumption.Findings:The research findings show that Maqoo's halal product marketing strategy integrates strong ethical religiosity values, aligned with the spiritual aspirations of Z Generation Muslim consumers. Ethical construction through educational, symbolic, and social approaches that emphasize aspects of blessing, social responsibility, and personal piety. Practical Implications:The implications of this study illustrate that Generation Z consumers are influenced not only by the halal quality and functional excellence of products, but also by social contributions and the reputation of the corporate brand.Originality/Value:This research highlights that the construction of religiosity in marketing is not merely an additional element but becomes the core of the product narrative, shaping consumers’ emotional and spiritual loyalty. The findings imply that the effectiveness of halal product marketing strategies for Muslim Generation Z depends on a brand’s ability to integrate ethical values, social responsibility, and authenticity in communication.
Supporting and Inhibiting Factors of Priority Service Risk Management Implementation in Islamic Banks: Empirical Evidence from OJK Regulation 57/2016 Firmansyah, Dinata; Bin Mohammad, Che Adenan
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.v11i2.8662

Abstract

Purpose: This study examines the supporting and inhibiting factors in the implementation of OJK Regulation No. 57/POJK.03/2016 on risk management for priority customer services at Bank Muamalat Cirebon Branch.Design/Methodology: Using a qualitative approach with a post-positivist paradigm, data were collected through interviews, observations, and documentation. The analysis applies Mazmanian and Sabatier’s implementation framework, supported by triangulation techniques to ensure validity.Findings: The results show that leadership commitment, organizational capacity, and clear policy guidance act as supporting factors, while the absence of Relationship Managers and Priority Centers, slow responsiveness, limited staff training, and unclear performance indicators hinder effective implementation. To address these challenges, the bank has planned initiatives such as establishing a Priority Center, enhancing staff competencies through specialized training, improving responsiveness, and strengthening monitoring and evaluation processes.Practical Implications:The study offers practical insights for Islamic banks on managing risks and enhancing priority customer services in accordance with regulatory requirements. It also offers recommendations for policymakers to strengthen supervisory frameworks.Originality/Value: Unlike previous studies, this research focuses on the intersection of regulatory compliance and service quality in Islamic banking, contributing original insights into the challenges and strategies of implementing risk management for priority customers.
Does Innovativeness Matter? Moderating The Link Between Intention And Digital Zakat Payment In Indonesia Sari, Dia Purnama; Qoyum, Abdul; Hanafi, Syafiq Mahmadah
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.v11i2.8426

Abstract

Purpose: Despite advancements in digital infrastructure, the adoption of digital zakat platforms among Indonesian muzakki remains uneven. This study aims to investigate the determinants influencing muzakki’s intention and behavior in adopting digital zakat payment platforms by extending the UTAUT model through the integration of electronic trust (e-trust) and personal innovativeness in technology (PIT), offering a context-specific perspective within Islamic philanthropy.Design/methodology: This study employed a quantitative approach. An online questionnaire was distributed using purposive sampling to Indonesian Muslims with experience or awareness of digital zakat platforms. A total of 338 muzakki were collected from 32 Indonesian provinces. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the proposed model and hypotheses.Findings: The findings indicate that performance expectancy and social influence have a significant and positive impact on the intention to pay zakat digitally. Furthermore, intention significantly predicts actual usage behaviour, with this relationship being positively moderated by personal innovativeness in technology. However, effort expectancy, facilitating conditions and e-trust are found to have no significant effect on intention.Practical Implication: The study offers practical insights for zakat institutions (e.g. BAZNAS and LAZNAS), platform developers and policymakers. Promoting digital literacy, engaging religious leaders ansocial influencers and designing inclusive, user-friendly platforms are essential to enhance participation. Cultivating individual openness to technology is also critical for sustaining digital zakat behaviour. Although e-trust was not found to significantly influence intention, maintaining platform transparency, credibility and reliability remains crucial for fostering long-term user confidence and acceptance.Originality/Value: This study contributes to Islamic marketing and digital philanthropy literature by extending the UTAUT model by incorporating e-trust and PIT in the context of digital zakat. he findings provide a novel perspective on technology acceptance in faith-based financial ecosystems, particularly in Muslim-majority countries undergoing rapid digital transformation
Exploring the Factors Influencing Donation Behavior Among the Muslim Community at LAZISNU, East Java, Indonesia Lahuri, Setiawan bin; Mabarroh, Indah Taqiyyah; Zuhroh, Ainun Amalia; Affandi, Muhammad Taufiq
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.v11i2.7973

Abstract

Purpose:This study aims to identify and analyze the key factors influencing donation behavior within the LAZISNU program in East Java, Indonesia. By focusing on empirical evidence, the research seeks to contribute theoretically to the broader understanding of Islamic philanthropic behavior, particularly in the context of Indonesia’s cultural and religious diversity. The findings are also expected to inform future strategies for enhancing sustainable donor engagement within Islamic philanthropic institutions.Design/Methodology:The research method used was descriptive quantitative. The sampling technique used was random sampling with respondents from the donors LAZISNU program in East Java, totaling 399 respondents. The data analysis and hypothesis testing method uses Smart PLS 4.0 software to describe latent variables. Inner model testing through R Square (R2) 0.67 as substantial, F-Square (F2) 0.15 has a moderate effect, Q-Square (Q2) exceeds zero (0) has a good predictive relevance value, and Goodness of Fit (GoF) analysis.Findings:The findings indicate that variables such as generosity, religiosity, the influence of religious leaders, and trust in implementing institutions have a positive effect on donation behavior, as evidenced by t-statistic values greater than 1.96 and p-values less than 0.05. In contrast, income and financial security do not exhibit a significant positive effect, as indicated by t-statistic values below 1.96 and p-values greater than 0.05. Nonetheless, reporting these non-significant variables remains important, as it provides a comprehensive understanding of the tested model and highlights potential contextual or mediating factors that may influence their effects in different settings or populations.Practical Implications:This means that generosity, religiosity, the influence of religious leaders, and trust in implementing institutions in this study are the most influential on the donation behavior in LAZISNU program in East Java.Originality/Value:Specifically discuss the behavior of donating through alms management institutions by income level, generosity, financial security, and religiosity

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