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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 75 Documents
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PENGARUH PEMBIAYAAN MUDHARABAH, MUROBAHAH, DAN MUSYARAKAH TERHADAP PERTUMBUHAN ASET BANK SYARIAH DI INDONESIA Hidayat, Muhammad Ridwan; M. Akmal Arrahman; Muhammad Akmal Abdurrahman
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1466

Abstract

This research endeavors to scrutinize how mudharabah, murabahah, and musyarakah funding influence the increase in assets held by Islamic banks operating in Indonesia, employing the Autoregressive Distributed Lag (ARDL) methodology. Temporal data was dissected utilizing assessments of stationarity, cointegration tests via Bounds Test, alongside short-term and long-term projections. The outcomes reveal a cointegrated connection linking Islamic financial arrangements with the expansion of Islamic banking assets. When considering the immediate future, mudharabah funding notably impacts asset expansion, contrasting with murabahah and musyarakah, which do not exhibit notable effects. Looking at the extended horizon, murabahah funding is shown to have a favorable and substantial effect on the upswing of assets within Islamic banks, whereas both mudharabah and musyarakah indicate a positive yet non-substantial influence. These discoveries substantiate the ongoing prevalence of murabahah as the principal mechanism fueling the advancement of Islamic banks' asset portfolios throughout Indonesia.
JUAL BELI PADI DENGAN SISTEM HARGA URIP DALAM PERSPEKTIF EKONOMI ISLAM DI DESA TANJUNG TIGA Nia Andria Erzah; Witry Octasari Aritonang; Srinanti
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1534

Abstract

The life-price system (harga urip) refers to a pricing mechanism in which the price is not determined at the time of contract but is adjusted later based on the highest market price. This practice has long been accepted as a local custom (‘urf). This study aims to analyze the practice of rice trading using the harga urip pricing system implemented by the community of Tanjung Tiga Village, Rantau Bayur District, Banyuasin Regency, and to examine its conformity with Islamic economic principles, particularly regarding contractual clarity and transactional justice. The research employs a qualitative method with a case study approach. Data were collected through field observations, semi-structured interviews with rice farmers and purchasing agents, and relevant documentation. Data analysis was conducted through data reduction, data display, and conclusion drawing, supported by triangulation techniques to ensure data validity. The findings indicate that the rice trading practice under the harga urip system generally fulfills the pillars of sale (rukun al-bay‘), including the presence of contracting parties, a clear object of transaction, and mutual agreement. However, in terms of the legal conditions of sale, several issues were identified, particularly the uncertainty of price and payment timing, which may lead to elements of gharar. In some cases, such uncertainty resulted in actual losses for farmers, while in other cases the system functioned fairly due to strong trust and moral commitment between parties. Therefore, the harga urip system cannot be categorically deemed unlawful, but it requires clearer contractual arrangements to align with the principles of justice and the objectives of Islamic law (maqashid al-shariah).
INTEGRATED BUSINESS MODEL FOR PESANTREN ECONOMIC INDEPENDENCE: CASE STUDY OF IDRISIYYAH ISLAMIC BOARDING SCHOOL TASIKMALAYA Syafrudin, Rivstia Fauziah Hafiya
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1535

Abstract

Islamic boarding schools (pesantren) in Indonesia face significant academic and practical challenges regarding financial constraints that limit their institutional sustainability and social empowerment functions. Many institutions remain heavily dependent on external funding, creating a vulnerability that hinders their long-term educational mission. This study explores an Integrated Pesantren Business Ecosystem (IPBE) as a strategic framework for achieving economic independence, using Pondok Pesantren Idrisiyyah in Tasikmalaya as a case study. Applying a qualitative instrumental case study design, data were obtained from 12 key informants including leaders and business managers, 120 hours of participatory observation across five business units, and document analysis of financial reports from 2020 to 2024. Findings indicate that Idrisiyyah developed a synergistic ecosystem consisting of five integrated enterprises—QiniMart, Sawung Penyawah and Qini Minang, Qini Fashion, and Qini Fresh—which successfully reduced dependency on external funding from 78% in 2020 to 34% in 2024. Concurrently, internal business revenue increased from 22% to 66%. Success was driven by the strict implementation of Islamic economic principles, professional management across 23 operational linkages, and the integration of entrepreneurship education for 156 students. In conclusion, the study offers theoretical and practical contributions by extending social entrepreneurship and resource-based view theories within an Islamic institutional context. It proposes a replicable framework for pesantren economic independence and community-based empowerment, demonstrating that a professional business ecosystem can coexist with traditional religious education to ensure institutional autonomy. Keywords: Economic Independence, Integrated Business Model, Islamic Boarding School, Idrisiyyah Pesantren, Social Entrepreneurship.
PENGARUH PEMBIAYAAN ULTRA MIKRO SYARIAH TERHADAP KESEJAHTERAAN NASABAH PADA PNM MEKAAR SYARIAH DI DESA TANJUNG LAUT Sari, Mayang; Itsnaini Chusnul Khotimah; Hidayani
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1544

Abstract

This study was conducted to determine financing in improving customer welfare at PNM Mekaar Syariah in Tajung Laut Village. The purpose of this study is to understand the effectiveness of financing in helping customers improve their welfare at PNM Mekaar in Tanjung Laut Village. This study employs a quantitative approach, which is a field research type, as it gathers information through direct observation in the field and data management. The types of data used in this study are primary data and secondary data, while the data sources in this study were obtained from the results of observations, questionnaires and documentation directly to customers. Data analysis techniques were carried out using instrument tests, classical assumption tests and simple linear regression analysis tests.The results of this study indicate that customer income increased after taking financing from PNM Mekaar Syariah in Tanjung Laut Village, because PNM provides various services that help customers develop their businesses. The expenses of customers who take financing at PNM have also been met, including food and non-food expenses. Financing from PNM Mekaar Syariah in Tanjung Laut Village has not been fully able to improve the level of family education, because one of the customers has not met the educational needs of one of his children. The health level of the customer's family has been improved through this financing, as evidenced by a healthy lifestyle, routine check-ups, and the purchase of health products. PNM has also improved the welfare of financing customers in terms of housing conditions and facilities owned in the household, this is supported by the results of distributing questionnaires directly to customers.
PENGARUH TINGKAT INFLASI TERHADAP KINERJA SAHAM SYARIAH JAKARTA ISLAMIC INDEX (JII) DI BURSA EFEK INDONESIA Nur Khayati Utami Setianingrum; Novita Sari; Retno Indri Yustika
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1553

Abstract

Inflation is one of the key macroeconomic indicators that plays an important role in influencing economic stability and capital market performance, including the Islamic capital market. The Jakarta Islamic Index (JII), as a leading Islamic stock index in Indonesia, is not immune to the effects of inflation dynamics. This study aims to analyze the effect of inflation on the performance of Islamic stocks listed in the Jakarta Islamic Index (JII) at the Indonesia Stock Exchange. This study employs a quantitative approach using simple linear regression analysis. The data used are secondary data consisting of inflation rates and JII closing prices for the period 2020–2024, obtained from the Central Statistics Agency (BPS) and the Indonesia Stock Exchange (IDX). Data analysis was conducted using SPSS through classical assumption tests, regression analysis, t-tests, and coefficient of determination analysis. The results indicate that inflation has a positive and significant effect on the performance of Islamic stocks in the Jakarta Islamic Index (JII). This is evidenced by a significance value of 0.004, which is lower than the 0.05 significance level. The coefficient of determination (R²) of 0.135 shows that inflation explains 13.5% of the variation in JII stock performance, while the remaining variation is influenced by other factors outside the model. Thus, it can be concluded that inflation is one of the macroeconomic factors affecting Islamic stock performance, although its overall influence remains relatively limited

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