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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 236 Documents
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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
Islamic Economic Ethics in the Age of Technological Disruption: Redefining Industrial Growth for the Common Good Muthi' 'Adilah Bahril; Sekar Mayang; Anugrah Mustika Putri Puspitasari; Ucu Musahidah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
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.v12i1.9150

Abstract

Purpose: This study investigates how Islamic economic ethics serves as a moral and strategic framework addressing technological disruption challenges in the Fourth Industrial Revolution (IR4.0), focusing on redefining industrial growth for the common good (maslahah).Design/Methodology: A Systematic Literature Review (SLR) was conducted using the PRISMA approach. Data were retrieved from Scopus and complementary databases using keywords on Islamic economic ethics, technological disruption, and industrial growth. After screening, 48 peer-reviewed articles were selected. Bibliometric analysis was performed using Biblioshiny (bibliometrix R-package) to extract quantitative metadata.Findings: The review identifies three main research streams: (1) applying maqasid al-shariah to ethical evaluation of emerging technologies (41.7%), (2) developing normative Islamic ethics models as Western alternatives (31.2%), and (3) linking Islamic values with sustainability and inclusive industrial growth (27.1%). Bibliometric data reveal 66.7% of studies are conceptual, versus 33.3% empirical. Geographically, Malaysia (37.8%) and Indonesia (27.8%) dominate the literature.Practical Implications: Strengthening the integration of Islamic ethics into technology governance and industrial policy promotes socially responsible, sustainable, and Shariah-compliant innovation. Recommendations include establishing AI Ethics Subcommittees within National Shariah Boards and adopting Shariah-by-Design protocols for Islamic FinTech developers.Originality/Value: This systematic review connects Islamic economic ethics with technological disruption, offering conceptual insights and directions for future interdisciplinary research. The primary theoretical contribution is the synthesis of the Islamic Ethical Technology Governance Model (IETGM).
Internal Migration and Inclusive Economic Growth in Sumatra: An Islamic Economics Perspective Yosy Arisandy; Shahrul Nizam Bin Salahuddin; Yosza Bin Dasril; Fuad Mahfudz; Tri Chamauliddah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
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.v12i1.10720

Abstract

Purpose: Persistent regional inequality in Indonesia, particularly across Sumatra Island, continues to constrain inclusive economic growth and upward social mobility. This study investigates how internal migration functions as a pathway for socioeconomic advancement and reinterprets this process through Islamic economic principles of justice (al-‘adl) and equitable welfare within the framework of maqāṣid al-sharī‘ah.Design/Methodology: This study employs a qualitative approach based on in-depth interviews with 10 purposively selected migrants, supported by relevant literature and official migration statistics. Data were analyzed by identifying recurring patterns in migrant narratives and conducting an interpretive analysis of Islamic ethical-economic sources. Analytical rigor was ensured through source and theoretical triangulation, systematically comparing interview findings wiakth established migration theories and official statistical data.Findings: The study finds that internal migration is experienced as a form of “economic hijrah,” reflecting processes of human capital transformation and improved livelihoods. Domestic remittances emerge as a key mechanism for redistributing economic resources, while migration contributes to the gradual shift toward merit-based social mobility consistent with Islamic egalitarian values.Practical Implications: These findings highlight the importance of inclusive migration policies and underscore the strategic role of Islamic financial institutions in optimizing domestic remittance flows to support sustainable regional development.Originality/Value: This study contributes to the literature by offering an integrated analytical perspective that bridges migration theory and Islamic economics, introducing the concept of “economic hijrah” as a novel framework for understanding migration as both an economic strategy and an ethically grounded process of achieving human dignity
Determinants of Financial Stability in the Islamic Financial Services Industry: CS-ARDL Panel Analysis of Islamic Countries Kurniawan, Muhammad; Iqbal Fasa, Muhammad; Ahmad Razimi, Mohd Syahril; Sisdianto, Ersi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
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.v12i1.9230

Abstract

Purpose: This research aims to identify the factors influencing stability reporting in the Islamic financial services industry, with a specific focus on financial performance, efficiency, asset quality, and capital adequacy.Design/Methodology: Utilizing panel data from Islamic financial institutions across ten countries (Iran, Saudi Arabia, Malaysia, UAE, Kuwait, Qatar, Turkey, Bangladesh, Indonesia, and Bahrain), the research employs the Cross-Sectionally Augmented Autoregressive Distributed Lag (CS-ARDL) approach to address cross-sectional dependence and heterogeneity in panel data. The model's validity and consistency were confirmed through robust diagnostic tests, including cointegration and cross-sectional dependence tests.Findings: This study finds that financial performance (ROA) and capital adequacy (CAR) are key drivers of stability in the Islamic financial services industry. Institutions with higher profitability and stronger capital buffers are better able to withstand economic pressures and maintain stable operations, both in the short and long term. In contrast, inefficiency (high Cost to Income Ratio) and poor asset quality (high NPF) weaken stability. When institutions operate inefficiently, their costs erode profits that could otherwise serve as a cushion during difficult times. Likewise, when financing defaults increase, asset quality deteriorates, directly threatening institutional soundness. These findings indicate that achieving stability requires Islamic financial institutions to simultaneously strengthen profitability, maintain adequate capital, control operational costs, and manage credit risk effectively.Practical Implications: This study offers practical implications for regulators and financial institutions to enhance stability monitoring and risk management frameworks, thereby improving systemic resilience within the Islamic financial services industry.Originality/Value: This study contributes to the literature on Islamic financial stability by providing robust empirical evidence on the critical determinants of stability reporting, using a sophisticated methodology to account for data complexities.
An Evaluation of Zakat Distribution Alignment with Maqashid al-Shariah: A Case Study of BAZNAS Malang City Ahmad Djalaluddin; Lempang Hasibuan; Yousf Faraj Hadiri
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
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.v12i1.9286

Abstract

Purpose:This study aims to evaluate the extent to which zakat distribution implemented by BAZNAS Malang City aligns with the five dimensions of Maqashid al-Shariah: protection of religion (hifz al-din), life (hifz al-nafs), intellect (hifz al-ʿaql), lineage (hifz al-nasl), and wealth (hifz al-mal).Design/Methodology:A quantitative descriptive-evaluative approach was employed using structured questionnaires distributed to 278 zakat recipients (mustahik). The data were analyzed using mean score interpretation based on predetermined Likert-scale interval categories to assess the level of alignment with maqasid principles.Findings:The findings indicate that zakat distribution is generally aligned with the principles of Maqashid al-Shariah. The strongest alignment is observed in the dimensions of wealth and religion, suggesting that zakat programs significantly contribute to both economic empowerment and spiritual development. In contrast, the protection of lineage demonstrates relatively lower alignment, highlighting the need to strengthen family-oriented initiatives and enhance long-term program sustainability.Practical Implications:These findings suggest that zakat institutions can function not only as charitable distributors but also as strategic agents of holistic social welfare development when guided by maqasid-based evaluation frameworks. The study recommends strengthening productive and transformative zakat programs to ensure sustainable empowerment and long-term social impact for mustahik.Originality/Value:This study contributes original value by empirically evaluating zakat distribution using a comprehensive five-dimensional Maqasid al-Shariah framework at the institutional level of BAZNAS Malang City. It measures beneficiary-based outcomes across all maqasid objectives through structured quantitative indicators. The study bridges normative maqasid theory with measurable institutional performance.
Margin of safety in Value Investing for Sharia Stock Investment from the Perspective of Maqasid Sharia Muhammad Ismail Alfaruqy; Mukhaer Pakkanna; Supardi Mursalin
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
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.v12i1.9517

Abstract

Purpose: This study aims to conceptually analyze and normatively examine the benefits of margin of safety in value investing techniques in preventing stock speculation, evaluate value investing techniques from the perspective of maqashid sharia, and identify similarities between value investing and maqasid sharia.Design/Methodology: Using a normative-conceptual study using a maqasid sharia based analytical framework, this study was conducted through literature review and secondary data analysis from various relevant references.Findings: The results show that the application of margin of safety in value investing in sharia stocks can increase market stability and reduce speculative practices, in line with the principle of asset protection (hifzh al-maal) in sharia objectives. This strategy has also proven effective in minimizing the elements of gharar and maysir, making it an ethical and responsible investment model.Practical Implications: This enriches the discourse on the integration of sharia principles into modern investment strategies and provides practical implications for investors, regulators, and sharia capital market players to create a more equitable, inclusive, and sustainable investment ecosystem.Originality/Value: This study integrates the value investing approach with the application of margin of safetyinto the maqasid sharia framework as the basis for sharia investment decision-making. This study offers a new approach by positioning value investing not only as a strategy to achieve financial returns, but also as a means to realize justice and economic stability. It also contributes to expanding the discourse on Islamic finance by offering an alternative investment approach that is not only spiritually, socially, and economically responsible, but also based on ethics and sustainability.
Employee Performance in Islamic Banking: Examining the Effects of Employee Empowerment and Organizational Commitment Muhammad Arif; Habibu Mohammed Umar; Zulfadli Hamzah; Mohd Farid Bin Abd Latib; Hamsal Hamsal
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
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.v12i1.10005

Abstract

Purpose:This study aims to determine the direct and indirect effects of employee empowerment and organizational commitment on the job performance of Islamic bank employees, with the presence of a mediating variable. Design/Method:The study employs a quantitative approach using Partial Least Squares Structural Equation Modeling  (PLS-SEM) to assess the measurement model (validity and reliability) and the structural model (hypothesis testing using path coefficients, R2, and bootstrapping). The population consists of 941 Islamic bank employees, from which 273 respondents were selected via questionnaire, following sampling criteria aligned with established guidelines such as Krejcie and Morgan. Findings:The results show that employee empowerment and organizational commitment have a positive and significant effect on employee performance. This indicates that greater autonomy and stronger attachment to the organization enhance employees’ work outcomes. Furthermore, organizational commitment mediates the relationship between employee empowerment and performance, suggesting that empowerment improves performance both directly and indirectly by strengthening employees’ commitment within Islamic banking contexts.Practical Implications:The findings imply that Islamic banks should implement concrete strategies to enhance employee performance through empowerment and organizational commitment. This can be achieved by delegating authority, providing continuous training, fostering a participative work environment, and strengthening an organizational culture grounded in Islamic values such as amanah (trust) and responsibility to improve employee loyalty and performance.Originality/Value:This study provides empirical evidence on the mediating role of organizational commitment in the relationship between employee empowerment and employee performance within Islamic banks in Riau Province.
The Power of Muslim Consumers: Animosity, Religion and Product Choices in Boycott Actions Syawaluddin, S; Nugroho, Moh Agus; Larasati, Suci; Faizin, M Agus Izzi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
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.v12i1.8484

Abstract

Purpose:This study aims to examine the factors influencing the intention of Indonesian Muslim consumers to boycott products affiliated with Israel. Specifically, the research investigates the roles of attitude toward boycott, religiosity, consumer animosity, and product judgment in shaping boycott intentions.Design/methodology:A quantitative approach was employed using a structured survey administered to 215 Muslim consumers in Indonesia, selected using purposive sampling. The measurement items were adapted from established scales in prior consumer behavior studies. Data were analyzed using PLS-SEM to examine the relationships among the study variables.Findings:The results indicate that attitude toward boycott, religiosity, and consumer animosity have a positive and significant effect on boycott intention. In contrast, product judgment negatively influences consumers’ intention to boycott Israeli-affiliated products. These findings suggest that ideological, emotional, and evaluative factors simultaneously shape consumer decision-making in politically sensitive consumption contexts.Practical implications:The study provides practical insights for companies and marketers operating in Muslim-majority markets. Firms are encouraged to conduct cultural and religious sensitivity assessments before introducing products and to develop ethical brand positioning strategies that align with Muslim consumers’ values. Understanding socio-political and religious sentiments is crucial for minimizing reputational risks in politically charged markets.Originality/Value:This research contributes to the literature on value-driven consumer behavior by exploring how global political issues and religious values influence boycott intentions. It highlights the interplay between ideological conviction and consumer decision-making, and calls for further investigation into the roles of social media and social norms in shaping ethical consumption among Muslim consumers.
Implementation of Maqāṣid Sharia in Islamic Financial Management: Evidence From PT Bank Nano Syariah Muhammad Khoirul Fikri; Dliya’udin Achmad; Zohaib Hassan Sain
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
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.v12i1.9089

Abstract

Purpose: This study aims to analyze the implementation of maqasid sharia in Islamic financial management at PT Bank Nano Syariah. The bank represents a medium-sized Islamic financial institution that is strengthening its institutional structure and economic strategy.Design/Methodology: This research employs a qualitative case study approach using in-depth interviews, participatory observation, and internal document analysis. The study involved eight informants and was conducted throughout 2025. Interview data were analyzed using Miles and Huberman’s interactive model, which includes data reduction, data display, and conclusion drawing. The analysis was conducted through thematic coding based on the principles of maqāṣid sharia, supported by triangulation of sources and research methods.Findings: The findings reveal that PT Bank Nano Syariah comprehensively internalizes the principles of maqāṣid sharia in financial planning, budgeting, risk management, financing, and performance evaluation. The principle of hifz al-din is implemented through compliance with DSN-MUI fatwas, sharia verification processes, and sharia financial literacy programs. The principle of hifz al-mal is reflected in risk management strategies, customer asset protection, and digital transaction security. Meanwhile, hifz al-nafs and hifz al-aql are implemented through microfinance programs aimed at community economic empowerment and financial literacy education. The principle of hifz al-nasl is realized through education financing and family business support programs that emphasize generational sustainability. These findings confirm that maqāṣid sharia functions not only as a normative principle but also as an operational managerial framework in Islamic financial management.Practical Implications: This research provides practical implications for strengthening maqasid-based Islamic banking policies and offers empirical insights into the internal practices of small- and medium-sized Islamic banks.Originality/Value: The novelty of this research lies in demonstrating how maqāṣid sharia can be operationalized in the internal financial management practices of small- and medium-sized Islamic banks
Islamic Sustainable Financial Literacy: Offering the Concept of Sustainable Financial Literacy Based on Maqashid Shariah Emiliyani Wahyuni; Rizal Rizal; Chitra Indah Sari
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
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.v12i1.9039

Abstract

Purpose:This study develops a conceptual framework of Islamic Sustainable Financial Literacy (ISFL) by integrating Maqashid Shariah principles with sustainability perspectives. Existing financial literacy models largely focus on technical and cognitive aspects, with limited attention to ethical, social, and environmental dimensions. This research addresses this gap by proposing a holistic literacy model aligned with Islamic values and sustainable development.Design/Methodology:The study employs a qualitative conceptual approach using a systematic literature review. Academic articles, Islamic economic literature, and relevant policy documents were analyzed. Thematic content analysis was applied to identify and synthesize key concepts related to financial literacy, sustainability, and Maqashid Shariah.Findings:The results show that sustainable Islamic financial literacy extends beyond knowledge of Sharia-compliant products. The ISFL framework consists of four dimensions: cognitive, affective, behavioral, and socio-ecological. Key indicators include Sharia knowledge, financial capability, eco-social awareness, Islamic ethical orientation, and active economic participation. These dimensions are conceptually linked to Maqashid Shariah objectives and the Sustainable Development Goals (SDGs)..Practical Implications:The proposed framework provides guidance for policymakers, Islamic financial institutions, and educators in designing financial literacy programs that integrate ethical, social, and environmental considerations. It also supports the development of more comprehensive literacy measurement tools and sustainability-oriented financial education.Originality/Value:This study offers a novel integrative model of Islamic Sustainable Financial Literacy by explicitly combining Islamic financial literacy, Maqashid Shariah, and sustainability principles. The framework enriches the financial literacy literature and contributes to the advancement of Islamic finance and sustainable development discourse..

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