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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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Efficiency Analysis Of Islamic Rural Banks (BPRS) In Bengkulu And Lampung Provinces Using The Data Envelopment Analysis Approach Cahyono, Andi; Setiawan, Romi Adetio; Kaemah, Tolan; Mufanti, Restu
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.v11i2.5666

Abstract

Purpose: This study analyzes the efficiency of Islamic Public Financing Banks (BPRS) in Bengkulu and Lampung Provinces during 2019–2023 by examining two BPRS in Bengkulu and four BPRS in Lampung with the largest assets and operating for more than five years.Design/methodology: This research employs a quantitative approach using financial reports of BPRS in both provinces. Samples were determined through purposive sampling based on asset size and operational period. Efficiency was measured using the Data Envelopment Analysis (DEA) method, which applies a linear programming system to construct a non-parametric frontier. The input variables were Third-Party Funds (DPK) and Operational Costs, while the output variables consisted of Fixed Assets, Financing, and Operational Income..Findings: The results indicate that several BPRS experienced inefficiencies. In Bengkulu, BPRS Maslahat Dana Syariah Nusantara was inefficient in 2022 due to high operational costs (+10.03%), low financing (-84.20%), and reduced operational income (-78.36%) caused by the COVID-19 pandemic. In Lampung, inefficiency was found in BPRS Kota Bumi (2019) due to high costs (-12.13%) and suboptimal financing and income; BPRS Metro Madani (2021–2022) due to rising costs (+4.51%) and mismatched financing growth; and BPRS Lampung Timur (2020) due to declining income (-4.91%). Overall, Lampung BPRS demonstrated higher efficiency, with an average score of 0.85 compared to Bengkulu’s 0.70, attributed to broader market access and stronger financial performance in urban-based BPRS.Practical Implication: The study highlights key challenges affecting BPRS efficiency, such as frequent regulatory changes and the economic impact of the COVID-19 pandemic. Strengthening fund allocation, improving cost management, and leveraging government policies on financial inclusion can enhance efficiency and market competitiveness.Originality/Value: This research provides new insights into the efficiency of BPRS in Bengkulu and Lampung by comparing their performance within a regional context. The findings underscore the strategic role of BPRS in supporting financial inclusion and ensuring compliance with sharia principles, while offering recommendations for improving operational sustainability
Beyond Religious Boundaries: Determinants Driving Non-Muslim Consumers’ Halal Product Choices in Palu, Indonesia Syamsu, Nur; Aisya, Sitti; MD, Muthmainnah; Fitriani, Nur; Ikhram, M.; Ismail, Nurizal
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.v11i2.7601

Abstract

Purpose: This study aims to identify the key factors influencing non-Muslim consumers’ preferences for halal food products in Palu, Indonesia, focusing on knowledge, attitudes, pricing, accessibility, social influence, trust in certification, and consumption experience..Design/methodology: A quantitative, cross-sectional survey was conducted with 117 non-Muslim respondents in Palu. Data were collected using a structured questionnaire adapted from validated instruments and analyzed using SPSS (version 29). The analysis involved descriptive statistics, validity and reliability testing, classical assumption tests (normality, multicollinearity, heteroscedasticity), and multiple linear regression with t-test and F-test to examine the relationships between variables and purchasing decisions.Findings: The results reveal that knowledge negatively influences purchasing decisions, whereas positive attitudes, accessibility, social influence, trust in halal certification, and consumption experience significantly enhance the likelihood of choosing halal products among non-Muslim consumers.Practical Implication: The findings suggest that marketers should reframe halal knowledge into practical benefits (health, hygiene, quality), improve accessibility, strengthen social engagement, and enhance trust through credible certification to increase adoption among non-Muslim consumers.Originality/Value: This study integrates consumer behavior theory, the Theory of Planned Behavior, and post-disaster consumer dynamics to explain halal consumption among non-Muslims in a multicultural setting, using a rigorous SPSS-based analytical approach.
Financial Well-Being: The Mediating Effect of Financial Behavior on The Relationship Between Islamic Financial Literacy and Financial Attitudes Helmalia, Helmalia; Putri, Mela Emelya; Mawaddah, Arini Alfa; Putra, Romy Yunika; Ifriadi, Rike
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.v11i2.7933

Abstract

Purpose:Understanding the factors that influence financial well-being is important for promoting financial sustainability, especially amid economic uncertainty that requires effective and planned management. Such financial management requires adequate Islamic financial literacy, positive financial attitudes, and appropriate financial behavior.Design/Methodology:This study investigates the mediating role of financial behavior in the relationship between Islamic financial literacy, financial attitudes, and financial well-being. Using a quantitative design, data were collected from 100 civil servant teachers in Agam Regency, Indonesia, through a structured questionnaire. The sample was determined using the Slovin formula and selected through simple random sampling. Partial Least Squares Structural Equation Modeling PLS-SEM 4 was used for data analysis.Findings:The findings show that Islamic financial literacy does not directly affect financial well-being but indirectly through financial behavior. Financial attitudes have a significant direct influence on financial well-being, while their indirect influence through financial behavior is not supported. These results underscore the important role of financial behavior as a mechanism linking financial knowledge to better financial outcomes.Practical Implications:This study offers meaningful implications for financial education programs and policy interventions focused on developing long-term financial resilience.Originality/Value:This study offers a novel perspective on understanding financial well-being by positioning Islamic financial literacy as a foundational approach. It not only addresses the limitations of previous research that primarily focused on conventional financial literacy, but also provides a more contextually relevant understanding for communities that manage their finances based on Sharia principles.
Waqf For Higher Education: A Bibliometric and Systematic Literature Review (2012–2024) Sitorus, Iwan Romadhan; Aly, Hery Noer; Lubis, Mawardi
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.v11i2.7097

Abstract

Purpose:This article examines the development of waqf for higher education studies from five perspectives: (1) research development and distribution; (2) research topics; (3) main contributors; (4) recent collaboration patterns; and (5) most influential documents in waqf for higher education literature.Design/Methodology:This study involved a comprehensive bibliometric analysis and a systematic literature review, which were utilized to examine 162 documents related to waqf for higher education that were published between 2012 and 2024. The data processing was facilitated by Publish or Perish, Microsoft Excel, and VOSviewer software.Findings:Despite the long-standing existence of waqf literature, the focus on waqf for higher education was not identified until 2012 (RQ1). We identified eight distinct clusters of research topics: community welfare, waqf models for higher education, waqf in Malaysia, good management, practice, alternative sources, cash management, and waqf knowledge (RQ2). A subsequent analysis of the authorship and affiliation patterns revealed a preponderance of researchers based in Malaysia across all categories (RQ3, RQ4, RQ5).Practical Implications:Future research topics on waqf for higher education should be limited to conceptual studies or literature reviews, with a focus on best practices in universities, collaborative financing or subsidies, waqf sustainability, and waqf in the Western world.Originality/Value:This article boasts a more extensive database than previous studies, thus ensuring a more robust foundation for future research. Moreover, given the paucity of literature on the subject, it is imperative to continue documenting the evolution of waqf for higher education literature.
Bridging the Gap: Link-and-Match Strategy for Sharia Economics Graduates in Islamic Non-Bank Financial Institutions Rahmawati, Naili; Bonang, Dahlia; Ismail, Shafinar
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.v11i2.7617

Abstract

Purpose:This study examines the link and match strategy in higher education to bridge the gap between graduates' skills and industry demands, particularly in the Islamic Non-Bank Financial Industry (IKNB Syariah). By adopting Human Capital Theory, this research highlights the importance of aligning university curricula with labor market needs to enhance graduates' employability.Design/Methodology:A qualitative research approach with an inductive methodology was used to explore the effectiveness of link and match policies. Data were collected through semi-structured interviews and focus group discussions (FGD) with 40 respondents, including students, government officials, education experts, and industry practitionersFindings:The study identifies curriculum misalignment, limited industry engagement, inadequate internship programs, and a lack of technology integration as key barriers to the effectiveness of link and match. However, competency-based curricula, industry partnerships, graduate involvement, and digital learning adoption significantly support graduate readiness for the workforcePractical Implications:Strengthening university-industry collaboration, implementing professional certification programs, and integrating technology into learning are crucial strategies to enhance the effectiveness of link-and-match policiesOriginality/Value:This research provides a comprehensive analysis of the link and match strategy in Sharia economics education, emphasizing the role of Islamic finance industry collaboration in improving graduate employability
The Role of Agricultural Waqf Bank in Strengthening Food Security for Vulnerable Communities: A Mixed-Methods Study Munir, Misbahul; Kusumah, Echo Perdana; Fauzi, Ahmad Syahrul; Fauzi, Padlun
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.v11i2.8653

Abstract

Purpose: This study examines the role of the Agricultural Waqf Bank in enhancing food security for vulnerable communities in poverty-prone regions, with a secondary focus on the relationship between household income and food vulnerability.Design/methodology: A mixed-methods approach was employed, combining a household survey of 212 vulnerable farming households in South Sumatra, Indonesia, with a qualitative conceptual analysis to develop the Agricultural Waqf Bank model. Logistic regression was applied to estimate the probability of food vulnerability based on household income, while the qualitative analysis explored the model’s design as a sustainable financing mechanism.Findings: Higher household income significantly lowers the likelihood of food vulnerability by enhancing purchasing power and access to food. However, income alone remains insufficient to address structural barriers such as unstable employment, low agricultural productivity, and limited market access. These findings highlight the potential of the Agricultural Waqf Bank model as a sustainable mechanism that integrates productive waqf assets with microfinance, capacity-building, and collective farming strategies to reduce food insecurity among vulnerable communities.Practical Implication: The proposed model provides policymakers and Islamic social finance institutions with a strategic policy design to reduce food insecurity among vulnerable communities by integrating microfinance, technical support, and community empowerment through waqf-based mechanisms.Originality/Value: This study offers a novel and integrated contribution by linking Islamic social finance with food security and community-based poverty reduction, thereby advancing theoretical discourse and informing practical policy design.
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

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