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International Journal of Islamic Finance (IJIF)
Published by Universitas Islam Negeri Sunan Kalijaga Yogyakarta
ISSN : -     EISSN : 30318068     DOI : https://doi.org/10.14421
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
International Journal of Islamic Finance (IJIF) is open access, peer-reviewed journal whose objective is to publish original research papers related to Islamic Finance. The studies highlight Islamic Finance issues like Complexity of Shariah Compliance, Lack of Standardization, Limited Product Diversity, Risk Management Challenges, Costs and Profitability, Innovation and Technology, Global Regulatory Framework, Lack of Awareness, Ethical Concerns, Integration with Conventional Finance. Despite these challenges, Islamic finance has been steadily growing and evolving. Efforts are being made to address these issues and promote greater awareness and adoption of Islamic financial principles in both Muslim-majority and non-Muslim-majority countries.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 6 Documents
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Search results for , issue "Vol. 1 No. 1 (2023): May 2023" : 6 Documents clear
Implementation of Islamic Economics: A Study of Pragmatic Thinking by Charles S. Peirce, Amin Abdullah, and Kim Knott Melis; Abdullah, Amin
International Journal of Islamic Finance Vol. 1 No. 1 (2023): May 2023
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

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Abstract

Background: As Charles S. Pierce believed in his book "Contemporary Introductions" by Milton K. Munits. According to Munitz, science's contribution to the advancement of human civilization cannot be separated. In his book Religious Studies Normativity or Historicity? Amen Abdullah noted that the pursuit of knowledge never comes to an end at any particular point but rather goes on more research and investigation are done to better understand the circumstances and conditions of human life. Novelty: The use of Maqashid Sharia in determining islamic economics ideas. Objectives: The purpose of this paper is to discuss ideas regarding current happenings. Regarding Islamic economics in Indonesia, clearly, objectively, and analytically. Present-day Islamic economics still has a conceptual and practical gap. Therefore, using an Islamic law/maqashid sharia approach to determine the meaning of economic ideas in Islam takes a while. One of the attempts to overcome the development of Islamic economic principles in the study of the philosophy of Islamic sciences Research Methodology / Design: This study uses a literature review methodology and is qualitative in nature. Findings: According to Pierce, the pragmatic approach focuses primarily on the process of scientific inquiry as well as the classification of concepts and the means by which they are believed. According to Kim Knott, the process of finding meaning involves inquiry and the participation of academics from both inside and outside groups. Implication: Dismantling critical thinking using a critical paradigm is one of the methods used in studying the philosophy of Islamic sciences to impede the growth of Islamic economic conceptions and thought.
The Role of Green Economy in Climate Change Mitigation Firnando, Hero Gefthi
International Journal of Islamic Finance Vol. 1 No. 1 (2023): May 2023
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

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Abstract

Abstract As the world confronts the escalating challenges of climate change, the role of the green economy has come to the forefront in the quest for effective mitigation strategies. This paper, titled "The Role of Green Economy in Climate Change Mitigation," delves into the pivotal relationship between green economic practices and the mitigation of climate change impacts. The green economy, characterized by sustainable and environmentally responsible practices, presents a paradigm shift in economic development. This research investigates how the adoption of green economic principles and initiatives can significantly contribute to reducing greenhouse gas emissions, enhancing energy efficiency, and fostering a more sustainable relationship between society and the environment. Through a comprehensive review of existing literature, case studies, and policy analyses, this study examines the multifaceted dimensions of the green economy's role in climate change mitigation. It explores the impact of green technologies, renewable energy sources, sustainable transportation, and circular economy models on mitigating the adverse effects of climate change. The findings highlight the potential of the green economy as a catalyst for climate action, offering not only economic growth but also a path towards a low-carbon and climate-resilient future. The research underscores the importance of integrating green economic principles into national and international climate policies, emphasizing the need for collaborative efforts across sectors to address one of the most pressing global challenges of our time. This study serves as a valuable resource for policymakers, environmental advocates, and stakeholders interested in harnessing the transformative power of the green economy to mitigate climate change and secure a sustainable future for all.
Islamic Progressive and Sharia Banking Problems During Covid-19 Pandemic Trimulato
International Journal of Islamic Finance Vol. 1 No. 1 (2023): May 2023
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

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Abstract

Background: The emergence of the Covid-19 pandemic has caused several sectors to be badly affected. Including sharia banking as an affected institution resulting in decreased performance. In conditions like these, Islamic banks still have to survive to be able to provide the best service and maintain the trustworthiness of customer funds. Objectives: The purpose this study to determine development sharia banking, and progressive Islamic thought for sharia banking problems. Novelty: The concept of Progressive Islamic can be a reference in maintaining stability and protecting Islamic banks from various problems during the Covid-19 pandemic. Research Methodology / Design: The method used this research is field research, using qualitative. The Sources used study are secondary data, from various sources considered relevant research theme. The data analysis technique used research is descriptive qualitative, which describes the development of sharia banking and the role of progressive Islam for sharia banking problems. Findings: This study indicate growth sharia banking during covid-19 pandemic period April 2020 to April 2021. Sharia banking assets grew 13.96 percent, Third Party Funds grew 14.16 percent, financing grew 7.96 percent, income grew 1.43 percent, and non-performing financing grew by 4.83 percent. Sharia banking must be more open to suggestions or responses from various parties as a form of improvement. The input can be sourced from anywhere that is in line with the concept of sharia banking itself. One of them is from progressive Islam itself, which focuses on many things in society. Among them is the focus of progressive Islam, namely on justice, this must be a reference for Islamic banks for their activities. Because justice is also the goal of Islamic economics and following sharia law. Implication: Some of the concepts and values of Islamic progressive can be adopted by sharia banking in overcoming several problems that have arisen due to the Covid-19 pandemic. such as carrying out various product developments and updating services by maximizing technology-based services.
The Effect Of Utilization Of Productive Zakat Funds On Mustahik Empowerment at BAZNAS Gorontalo Regency Perdana, Dian Adi; Apriani, Ibnu; Macpal, Sunandar
International Journal of Islamic Finance Vol. 1 No. 1 (2023): May 2023
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

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Abstract

Background: Productive zakat is distributed to mustahiq to support economic development and the benefits can be felt. The aim of productive zakat is to provide a sustainable impact in alleviating poverty and improving the welfare of the people through a consistently productive economy. The phenomenon at BAZNAS Gorontalo Regency is that there needs to be socialization of productive zakat for the development of human resources and a comprehensive productive zakat movement program. Objectives: The aim of the research is to analyze the effect of utilizing productive zakat funds on the empowerment of mustahiq and to analyze the differences in the influence of utilizing productive zakat funds on empowering mustahiq. Novelty: The novelty of the research is to provide zakat analysis on the productive zakat aspect in small areas which has great potential for community economic empowerment and improving the quality of life of the community. Research Methodology / Design: This research approach uses quantitative methods, sampling methods using questionnaires, interviews and observations with quantitative descriptive analysis methods. The population in this study was 15% of the total mustahiq population. Findings: Even though productive zakat has an influence on the empowerment of mustahiq, there are some who fail to maintain, use and allocate productive zakat funds to their businesses so that they do not develop, and there are even minimal changes to the mustahiq. Implication: The impact of the research is the need to continue to increase the allocation of zakat funds for productive activities in order to build economic independence and welfare of mustahiq, maximize the use of zakat funds with regular training for mustahiq, and monitoring in the form of capital coverage reports provided in the form of financial reports to be more professional in managing zakat funds and the use of productive zakat funds is businesslike and serious in carrying out its business to empower mustahik.
Determinants of Interest In Using Sharia Peer To Peer Lending In Indonesia Sumarnah, Riski
International Journal of Islamic Finance Vol. 1 No. 1 (2023): May 2023
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

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Abstract

Background: Many business actors are turning financial service technology, namely financial technology or what is known as fintech, into an innovation to survive in their business. One of the Sharia fintech products is a Sharia peer-to-peer lending service that brings together lenders and borrowers. The presence of peer-to-peer lending will make it easier for people to provide loans or apply for loan funds for various purposes without using the services of financial institutions as intermediaries. Objectives: This research aims to determine whether financial literacy, digital literacy, Perceived Usefulness, Perceived Ease of Use, and subjective norms influence a person's interest in using Sharia peer-to-peer lending. Novelty: This research has differences in case studies, namely: it focuses more on fintech products, namely Sharia peer-to-peer lending. Then include the digital literacy variable because there is not much research that focuses on the influence of digital literacy on interest in using sharia peer-to-peer lending. Research Methodology / Design: This research uses a quantitative approach, with primary data from 180 respondents which is then processed using a partial-least square structural equation modeling (PLS-SEM) approach with the help of the Smart-PLS 4 analysis tool. Findings: The results of this research show that financial literacy and digital literacy do not significantly influence interest in using sharia peer-to-peer lending in Indonesia. Meanwhile, Perceived Usefulness, Perceived Ease of Use, and subjective norms significantly influence interest in using sharia peer-to-peer lending in Indonesia. Implication: It is highly recommended that related companies continue to socialize the security and legality of the new Sharia Peer Peer Lending application to educate the Indonesian people about financial and digital literacy.
The Impact of Financial Technology, Islamic Financial Literacy, and Behavioral Biases on Investment Decisions in the Sharia Capital Market Rahmi Fauzah, Dhiya; Amaliyah, Kharisma A
International Journal of Islamic Finance Vol. 1 No. 1 (2023): May 2023
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

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Abstract

The development of the number of investors in the Indonesian Capital Market continues to increase year after year, including investors in the Sharia Capital Market. Indeed, this cannot be separated from the investment decisions that the investors have made. This study aims to analyze the effect of Financial Technology, Islamic Financial Literacy, Overconfidence Bias, and Herding Bias on investment decisions in the Sharia Capital Market. This paper presents a new research treatise or a renewable gap in the scope of Islamic Finance because it is more specifically related to investment decisions in Sharia Capital Market and Muslim Investor samples which are different from previous studies. As a quantitative research, this study used Partial Least Square-Structural Equation Model (PLS-SEM) analysis with the help of SmartPLS software and used data from 190 respondents that was collected through the questionnaire method. The result found that Financial Technology, Islamic Financial Literacy, and Overconfidence Bias have positive and significant impacts on Investment Decisions in the Sharia Capital Market, while Herding Bias known to have no positive and significant effects on investment decisions in the Sharia Capital Market. The paper provides empirical evidence that can contribute to the development of knowledge and insight in the field of Economics and Business Islam through Sharia Financial Management research related to Investment Decisions in the Sharia Capital Market, and it is practically helpful for academics, investors, and researchers.

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