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INDONESIA
Al-Iqtishad: Jurnal Ekonomi Syariah
Published by Institut Agama Islam Al-qur'an Al-ittifaqiah Indralaya
ISSN : -     EISSN : 27747352     DOI : https://doi.org/10.53649/al-iqtishad.v6i02
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Iqtishad: Jurnal Ekonomi Syariah Focuses on various topics covering Islamic economics, Islamic finance, Islamic banking, Islamic insurance (takaful), Islamic capital markets, zakat, waqf, and sharia-based economic development that have regional and global relevance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 65 Documents
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SUKUK RITEL SYARIAH SEBAGAI INSTRUMEN PEMBIAYAAN NEGARA : EVALUASI HISTORIS DAN STRATEGI PENGUATAN DI ERA DIGITAL Ria Nelta Febriyanti
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 6 No. 02 (2025): Januari-Juni 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v6i2.1074

Abstract

Retail Sukuk (Sukuk Ritel Syariah/SR) is a sharia-compliant sovereign financing instrument aimed at broadening public participation in state funding and deepening the domestic Islamic capital market. Since its initial issuance in 2008 (SR-001), retail sukuk has demonstrated consistent growth in investor numbers, subscription value, and geographic distribution. This study aims to analyze the development trends of SR up to the latest issuance in 2024 (SR-020), identify key challenges hindering its expansion, and formulate strategic in recommendations to enhance retail investor participation. This research adopts a descriptive qualitative approach using literature review methods. Secondary data were obtained from official reports published by the Ministry of Finance (DJPPR), the Financial Service Authority (OJK), sukuk issuance statistics, scholarly articles, and Islamic capital market reports. The findings indicate that despite growing public interest in SR, several challenges persist, including low levels of Islamic financial literacy, strong preferences for conventional instrument, limited digital sharia-compliant distribution channels, and the underdevelopment of a secondary SR market. The study recommends several strategic measures : expanding digital marketing and subscription platforms through e-SBN, enhancing public literacy and education on Islamic finance, introducing more flexible and attractive sukuk product innovations, and providing fiscal incentives and investment frameworks based on Islamic ESG principles. These findings offer valuable insights for regulators, market players, and academics in strengthening retail sukuk as an inclusive and sustainable Islamic financial instrument within Indonesia’s financial ecosystem. Key words: Retail Sukuk, Islamic Finance, financial inclusion, retail investors, policy strategy
ANALISIS PRINSIP 5C PADA PEMBIAYAAN KUR SEBAGAI UPAYA MEMINIMALISIR PEMBIAYAAN BERMASALAH (STUDI KASUS BSI KCP SURABAYA RUNGKUT 1) Aminin, Rista Izza; Toyyibatus Samsiah; Nurul Aulia Herlina Angganita; Siti Nur Azizah; Hafidz Akmal Khoirony; Muhammad Iqbal Surya Pratikto
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 6 No. 02 (2025): Januari-Juni 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v6i2.1094

Abstract

Indonesia's stable economic growth opens opportunities for people to access financing, especially through the KUR program that supports the Micro, Small and Medium Enterprises (MSMEs) sector. Bank Syariah Indonesia, as one of the largest Islamic banks, also provides KUR services to support the growth of MSMEs. However, behind the ease of access to financing, the risk of non-performing financing remains a challenge that must be anticipated. This research aims to analyze the application of the 5C principles in the KUR financing process at BSI KCP Surabaya Rungkut 1 and the extent to which these principles are effective in minimizing the risk of non-performing financing. The research method used is descriptive qualitative with primary data from in-depth interviews and secondary data from KUR financing documents, scientific literature, journals, and relevant previous research. The results showed that BSI KCP Surabaya Rungkut 1 applies the 5C principle thoroughly, including character, capacity, capital, collateral, and condition of economy as a reference in assessing customer eligibility. In addition, the post-disbursement monitoring process is carried out regularly through account monitoring and direct visits to business locations. The consistent application of the 5C principles has proven to help banks reduce the risk of non-performing financing while maintaining the quality of the KUR financing portfolio at BSI KCP Surabaya Rungkut 1.
PENGARUH DANA PIHAK KETIGA TERHADAP PROFITABILITAS PADA BANK SYARIAH INDONESIA PERIODE 2021-2024 Kamrul, Rosida; Itsnaini Chusnul Khotimah
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 6 No. 02 (2025): Januari-Juni 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v6i2.1132

Abstract

This study was conducted to determine the effect of third-party funds in the form of savings, deposits and current accounts on profitability at Bank Syariah Indonesia for the period 2021-2024. This study aims to understand the role of third-party funds (TPF) in influencing the level of profitability at Bank Syariah Indonesia. Through this study, it is expected to be analyzed to what extent funds collected from the public - both in the form of savings, current accounts, and deposits - contribute to the bank's ability to generate profits sustainably. This type of research uses quantitative research. The data source in this study is secondary data, namely the financial statements of Bank Syariah Indonesia which are uploaded on the official website of Bank Syariah Indonesia for the period 2021-2024, with the data collection technique being documentation. While the data analysis method is carried out using a simple linear regression model. The results of this study indicate that Third Party Funds have an effect on Profitability based on a simple linear regression analysis test with a t-statistic value of 2.338784 with a Probability value (significant) of 0.0264 (<0.05) so that the DPK variable has an effect on the Profitability variable. The DPK variable has a t-count value greater than the t-table. So that DPK has a partial effect on profitability at Bank Syariah Indonesia.
INOVASI PRODUK KEUANGAN SYARIAH DAN DAMPAKNYA TERHADAP STABILITAS EKONOMI Dzakiyah Erlinda Agatha
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 6 No. 02 (2025): Januari-Juni 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v6i2.1178

Abstract

This study aims to analyze the role of Islamic financial product innovation and its implications for macroeconomic stability within the framework of the Islamic economic system. Along with technological developments and the needs of the modern economy, various innovative Islamic financial products have emerged, such as sukuk variations, Islamic fintech, and Sharia-based digital banking services. This research uses a descriptive qualitative method through a literature study (library research) with a content analysis approach to recent relevant academic sources. The results show that Islamic financial product innovation significantly contributes to fund mobilization, efficient risk distribution, and strengthening of the financial intermediation structure. In addition, these innovations encourage the expansion of Islamic financial inclusion and serve as instruments to reduce speculative financial practices that negatively impact economic stability. Nevertheless, the effectiveness of these innovations is highly influenced by strict regulations, oversight, and compliance with Sharia principles. Therefore, strengthening Sharia compliance aspects becomes a crucial element in maintaining public trust and the overall resilience of the Islamic economic system.
STRATEGI FUNDRAISING BERBASIS MEDIA SOSIAL DALAM PENGHIMPUNAN DANA ZAKAT, INFAK DAN SEDEKAH DI BADAN AMIL ZAKAT NASIONAL KABUPATEN OGAN ILIR Meirina Alkhoiriah Eka Putri; Nia Andria Erzah
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 6 No. 02 (2025): Januari-Juni 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v6i2.1193

Abstract

The social media used Baznas Ogan Ilir are Instagram, whatsapp, facebook and twiter but in its implementation it is still not optimal, such as maintenance is still lacking and the use of features on each social media is still lacking so that the number of donors does not increase and tends to decrease while we are in an era where social media can be maximized for various purposes such as marketing and fundraising. This study uses a descriptive type of qualitative approach. The method used in collecting data is interviews, documentation and observation. The results of this study can be concluded that the social media based fundraising strategy is carried out in the form of collecting zakat funds, infaq, alms, fundraising and reporting in the form of flyers that will be posted Baznas Ogan Ilir social media. Then an evaluation is carried out that the fundraising carried out Baznas Ogan Ilir is in accordance with the purpose of fundraising, namely to collect. Fundraising using social media is effective because it is able to raise funds to achieve institutional targets and almost every year there is an increase in the collection of zakat, infaq and alms funds

Page 7 of 7 | Total Record : 65

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