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Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah
Published by Universitas Islam Negeri Fatmawati Sukarno Bengkulu
ISSN : 24768774     EISSN : 2621668X     DOI : 10.29300/aij
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Focus Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah provides a scholarly forum for researchers, academics, and practitioners to discuss contemporary and emerging issues in Islamic economics, banking, and finance. Scope The journal welcomes original empirical and theoretical contributions covering, but not limited to, the following areas: Islamic Economics and Development Islamic Accounting and Auditing Islamic Philanthropy and Social Finance (Zakat, Infaq, Sadaqah, and Waqf) Islamic Business Ethics and Corporate Governance Islamic Insurance (Takaful) Islamic Microfinance Islamic Capital Markets Islamic Banking and Financial Institutions
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 294 Documents
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Efficiency Analysis Of Islamic Rural Banks (BPRS) In Bengkulu And Lampung Provinces Using The Data Envelopment Analysis Approach Andi Cahyono; Romi Adetio Setiawan; Tolan Kaemah; Restu Mufanti
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
Waqf For Higher Education: A Bibliometric and Systematic Literature Review (2012–2024) Iwan Romadhan Sitorus; Hery Noer Aly; Mawardi Lubis
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.
Municipal Sukuk as Financing Model for Halal Tourism Development in West Sumatera, Indonesia Sepky Mardian; Rio Erismen Armen
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.
Beyond Religious Boundaries: Determinants Driving Non-Muslim Consumers’ Halal Product Choices in Palu, Indonesia Nur Syamsu; Sitti Aisya; Muthmainnah MD; Nur Fitriani; M. Ikhram; Nurizal Ismail
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.
Bridging the Gap: Link-and-Match Strategy for Sharia Economics Graduates in Islamic Non-Bank Financial Institutions Naili Rahmawati; Dahlia Bonang; Shafinar Ismail
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
Financial Well-Being: The Mediating Effect of Financial Behavior on The Relationship Between Islamic Financial Literacy and Financial Attitudes Helmalia Helmalia; Mela Emelya Putri; Arini Alfa Mawaddah; Romy Yunika Putra; Rike Ifriadi
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.
Construction of Ethical Religiosity as a Marketing Strategy for Maqoo Halal Products Z Generation Muslim Consumers in Jombang Rofik Efendi; Amir Maliki Abitolkha; Naser Ali Abdulghani
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.
Exploring the Factors Influencing Donation Behavior Among the Muslim Community at LAZISNU, East Java, Indonesia Setiawan bin Lahuri; Indah Taqiyyah Mabarroh; Ainun Amalia Zuhroh; Muhammad Taufiq Affandi
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
Social Media, Economic Constraints, and Humanitarian Values: Drivers of Boycott Behavior Among Young Muslim Consumers in Indonesia Faizi Faizi; Indira Fadhilla Putri; Mohd Sollehudin Bin Shuib
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
Does Innovativeness Matter? Moderating The Link Between Intention And Digital Zakat Payment In Indonesia Dia Purnama Sari; Abdul Qoyum; Syafiq Mahmadah Hanafi
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

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