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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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Financing the Blue Economy: Insights from a bibliometric analysis izzun nissa; Yunan Hidayat; Sugiyat Sugiyat; Alfan Rifai; Rahmawati Soleha; Galuh Annisa Fala; Aunurrahim Aunurrahim
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol. 12 No. 2 (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.v12i2.12393

Abstract

Purpose: This study aims to analyze the development and research trends of blue economy financing. It identifies the main research topics, publication trends, and gaps in the literature to better understand how financing supports sustainable blue economy development. Design/Methodology: This study uses a bibliometric approach based on Scopus-indexed publications published from 1977 to 2023. The data were analyzed using VOSviewer and the Bibliometrix package in R to examine publication trends, keyword co-occurrence, thematic clusters, and research development. Findings: The results show that research on the blue economy has grown significantly over the years. Most studies focus on sustainability, climate change, and ocean governance, while topics related to blue finance, investment, and ESG are still limited. Climate change is identified as the main theme driving the development of blue economy research, indicating that the financial aspect requires more attention in future studies. Practical Implications: This study provides a comprehensive overview of the development of blue economy financing research. It identifies important research gaps and offers a useful reference for future studies, particularly in strengthening the role of finance in achieving sustainable blue economy development.  
M-Banking in Islamic Bank for Millennial Generation: Perceived Ease of Use, Perceived Risk and Perceived Security Muhammad Istan; Hardinata; Meilaty Fithariasari; Mesi Herawati
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol. 12 No. 2 (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.v12i2.12431

Abstract

Purpose: This study aims to examine the effects of perceived ease of use, perceived risk, and perceived security on the decision to use Islamic mobile banking among the millennial generation in Curup City. Design/methodology: This study employed a quantitative approach using a questionnaire administered to 100 millennial respondents selected through purposive sampling. The data were analyzed using multiple linear regression, supported by validity, reliability, t-test, F-test, and coefficient of determination analyses. Findings: The results indicate that perceived ease of use and perceived security have a significant positive effect on the decision to use Islamic mobile banking, while perceived risk has no significant effect. Simultaneously, perceived ease of use, perceived risk, and perceived security significantly influence the decision to use Islamic mobile banking. The three variables explain 44.5% of the variance in users’ decisions. Practical implications: Islamic banks should improve the simplicity, accessibility, and security of their mobile banking services to strengthen customer confidence and encourage adoption among millennials. Originality/Value: This study contributes empirical evidence on the determinants of Islamic mobile banking adoption among millennials in an Indonesian local context, particularly by highlighting the importance of ease of use and security.
Bridging the Gap: Addressing Governance and Technology Loopholes in Digital Cash Waqf Systems Nur Hidayah; Habibullah Habibullah; Najim Nur Fauziah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol. 12 No. 2 (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.v12i2.12492

Abstract

Purpose: Digital cash waqf can increase public participation and fund mobilization for Islamic social finance, yet governance gaps, weak regulatory enforcement, and adoption barriers limit its potential, particularly in Indonesia. This study examines the intersection of digital governance and technology adoption in cash waqf systems. Design/Methodology: The study applies qualitative content analysis to a purposively sampled corpus of academic literature, institutional reports, and regulatory documents published between 2018 and 2024, complemented by the Unified Theory of Acceptance and Use of Technology (UTAUT) as an interpretive lens, to examine governance practices and adoption barriers across digital cash waqf platforms in Indonesia and comparator countries. Findings: The analysis identifies governance weaknesses, including the lack of standardized service delivery models, inadequate transparency mechanisms, and insufficient regulatory oversight, alongside adoption barriers such as low public awareness and suboptimal user experience. These governance, institutional, and technology gaps are mutually reinforcing rather than independent. Practical Implications: Regulators such as BWI, OJK, and KNEKS need to revise Law No. 41 of 2004 to accommodate digital waqf and fintech-based asset management, introduce regulatory sandboxes, and mandate performance-based accreditation for nazhir institutions, while platform developers adopt open API standards and real-time impact dashboards to strengthen transparency and public trust. Originality/Value: This study contributes to the Islamic fintech and waqf literature by proposing an integrated framework combining governance reform with strategic digital adoption, applying content analysis together with UTAUT to documentary evidence - an approach not previously used to diagnose digital cash waqf governance gaps in Indonesia
Peer Influence and Consumptive Lifestyle in Shopee PayLater Use: An Islamic Consumer Behavior Perspective Muhammad Teguh Nuryadin; Riswan Yunida; Raden Kelik Hardinto; Aisyah Amini; Nadia Idri
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol. 12 No. 2 (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.v12i2.12666

Abstract

Purpose: This study examines whether peer influence and consumptive lifestyle are associated with students' decisions to use Shopee PayLater and interprets the findings through an Islamic consumer behavior perspective. The Islamic lens adds analytical leverage by examining whether social and consumption-related behavior is consistent with moderation (wasathiyyah), avoidance of israf and tabdzir, and the pursuit of maslahah. The study does not assess the Sharia compliance or legal status of Shopee PayLater. Design/Methodology: The study employed an explanatory quantitative design involving 100 active students of Politeknik Negeri Banjarmasin who had used Shopee PayLater, selected through non-probability purposive sampling based on the inclusion criteria described in the Method section. Primary data were collected through a structured questionnaire using a five-point Likert scale. The instrument consisted of five peer-influence items, four consumptive-lifestyle items, and five use-decision items. Data were analyzed with IBM SPSS Statistics 26 using validity and reliability tests, classical assumption tests, multiple linear regression, partial t-tests, and simultaneous F-tests, complemented by a common method bias check (Harman's single-factor test). Findings: Peer influence had a positive and significant relationship with the decision to use Shopee PayLater (B = 0.397; t = 4.568; p < 0.001), while consumptive lifestyle also had a positive and significant relationship (B = 0.365; t = 4.201; p < 0.001). Jointly, the predictors were significant (F = 36.209; p < 0.001). The model explained 41.6% of the variance in use decisions based on adjusted R². Practical Implications: The findings suggest that digital financial education should address both social influence and consumption tendencies. From an Islamic economic perspective, education should emphasize moderation, avoidance of excessive consumption, responsible debt management, and consideration of maslahah in financial decisions. Originality/Value: The study contributes beyond the vocational-student context by jointly modeling peer influence and consumptive lifestyle as behavioral predictors of an already-experienced PayLater use decision and by interpreting the same empirical relationships through an Islamic consumer behavior synthesis. Specifically, israf and tabdzir provide criteria for identifying excess and waste, while maslahah adds a welfare-oriented criterion for evaluating the consequences of deferred-payment decisions. The study does not determine Sharia compliance; it evaluates behavioral implications using Islamic consumer ethics

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