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Jurnal At-Tamwil: Kajian Ekonomi Syariah
Published by Universitas Islam Tribakti Lirboyo Kediri
ISSN : 26154293     EISSN : 27237567     DOI : https://doi.org/10.33367//at.v6i1.1488
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Environmental Science Social Sciences
Jurnal At-Tamwil is a journal published by the Faculty of Economics and Business, Sharia Banking study program, Tribakti Islamic University Lirboyo Kediri. The purpose of this journal is to communicate and as a medium for academic socialization by providing a platform to promote the publication of scientific research in the field: Sharia Banking Sharia Economics Sharia Financial Institutions Sharia Finance and Microfinance Islamic Business and Financial Management Islamic / Sharia Economic Law Fiqh Muamalah Economic Hadith Zakat, Infaq, Shadaqah and Waqaf Sharia Insurance Halal Industry Islamic Capital Market as well as issues in the field of Islamic Economics and other topics related to Islamic Banking.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 102 Documents
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Pengaruh Luas Lahan, Harga Pupuk dan Harga Jual Terhadap Pendapatan Petani Kelapa Sawit (Studi di Desa Pasar Ngalam) Agustina, Selvy; Desi Isnaini; Yunida Een Friyanti
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 2 (2025): Jurnal At-Tamwil September 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i2.7884

Abstract

Purpose – Penelitian ini bertujuan untuk menganalisis pengaruh luas lahan, harga pupuk, dan harga jual terhadap pendapatan petani kelapa sawit di Desa Pasar Ngalam. Ketiga variabel dipilih karena dianggap berperan penting, terutama di tengah tantangan seperti keterbatasan lahan, tingginya biaya produksi, dan fluktuasi harga jual. Hasil penelitian diharapkan menjadi dasar dalam perumusan kebijakan pertanian yang mendukung peningkatan kesejahteraan petani. Methods – Penelitian ini menggunakan pendekatan kuantitatif dengan data yang diperoleh melalui kuesioner. Dari populasi 100 orang, sebanyak 80 responden dipilih menggunakan teknik simple random sampling berdasarkan rumus Slovin. Analisis data dilakukan dengan statistik deskriptif, uji asumsi klasik, regresi linear berganda, serta uji hipotesis (uji t, uji F, dan uji R²), menggunakan bantuan SPSS versi 27. Findings – Secara parsial, luas lahan dan harga jual berpengaruh positif dan signifikan terhadap pendapatan petani kelapa sawit, sementara harga pupuk tidak berpengaruh signifikan. Secara simultan, ketiga variabel tersebut berpengaruh positif dan signifikan terhadap pendapatan petani di Desa Pasar Ngalam. Research lImplications/Limitations – Penelitian ini terbatas pada Desa Pasar Ngalam, sehingga hasilnya tidak dapat digeneralisasi ke daerah lain. Data dikumpulkan melalui kuesioner yang berpotensi menimbulkan bias, dan hanya mencakup tiga variabel, tanpa mempertimbangkan faktor lain seperti biaya produksi, akses pasar, dan umur tanaman. Keterbatasan ini memengaruhi validitas eksternal dan perlu diperhatikan dalam penelitian selanjutnya. Originality/Value – Kajian ini berkontribusi dalam memahami faktor-faktor yang memengaruhi pendapatan petani kelapa sawit di Desa Pasar Ngalam, dengan nilai praktis bagi kebijakan desa dan sebagai dasar bagi penelitian lanjutan yang lebih luas dan komprehensif.
Live Streaming: Revolution New in Retail Business Marketing Strategy (Literature Study) Khoiril Mala, Iva; Kholifah, Leli; Pratikto, Heri; Winarno, Agung; Setyohadi
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 2 (2025): Jurnal At-Tamwil September 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i2.8003

Abstract

Purpose – The post-COVID-19 pandemic has driven digitalization in various aspects of life, one of which is consumer purchasing behavior. With limited mobility and increasingly stringent regulations regarding activities outside the home, including shopping in malls, consumers who previously went to physical stores tend to shop online. This has led to a new revolution in the world of marketing: Live Streaming, a medium that connects businesses with buyers online without the need to visit a physical store. Design/Methods/Approach – This research method uses a literature review system to analyze documents that align with the research focus. Previously, documents were reviewed using Google Scholar, Scopus, and WoS. 50 journals were then identified and filtered, resulting in 13 articles for analysis. Findings – This proves that live streaming can break down the limitations previously imposed by traditional marketing. Retailers cannot ignore the challenges and obstacles faced in using live streaming, such as technical constraints and increasingly fierce online business competition. Research Implications/Limitations – Businesses can consider using a professional host to ensure product and service information is conveyed clearly and easily understood by the audience during live streaming. Originality/Value – Live streaming can help retail business actors to keep up with the times in the form of digitalization, seeing consumer interest in consuming products.
Sharia-Based Human Capital Development: A Literature Review on Character Building For Islamic Banking Competitiveness Ashari, Denny Rakhmad Widi; Hidayati, Atina; Al Haris, Mohammad Basid; Pambudi, Setyoadi; Waskita, Gautama Sastra
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 2 (2025): Jurnal At-Tamwil September 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i2.8010

Abstract

Purpose – This study aims to examine the integration of Sharia values in human resource character building within Islamic banking institutions. The research highlights the importance of developing Islamic character-based human capital as a strategic foundation for achieving sustainable competitiveness in the Islamic banking industry. The study is motivated by the increasing need to align human resource strategies with Sharia principles to ensure both compliance and differentiation in the financial sector. Methods – The research uses a qualitative approach using a literature review of academic articles, reports, and policy documents published in the last decade. Content analysis was conducted to identify recurring themes, conceptual frameworks, and strategic implications of Sharia-based human capital development. Findings – The study reveals that Islamic character building, rooted in Sharia values such as Shiddiq, Amanah, Tabligh, and Fathanah, has a significant contribution to the development of trustworthy, competent, and value-driven employees. These values foster customer trust, strengthen organizational culture, and enhance the competitive advantage of Islamic banks. However, challenges remain in terms of practical implementation, organizational commitment, and balancing technical competencies with ethical-spiritual development. Research Limitations – As a literature-based study, the findings are conceptual and may not fully capture empirical variations across different Islamic banking institutions. Future research should include case studies or empirical validation to test the applicability of the proposed framework in diverse contexts. Value – This study contributes to the field of Applied Islamic Finance by providing a conceptual framework that links Sharia-based human capital development with sustainable competitiveness in Islamic banking. It highlights the strategic role of Islamic character building as a differentiating factor that cannot be easily replicated by conventional banks.
The Role of Social Media in Promoting Halal Fashion Among The Youth Generation Syifa Rahmania, Dwiana; Prima Dwi Priyatno
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 2 (2025): Jurnal At-Tamwil September 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i2.8061

Abstract

Purpose – This study aims to explore the role of social media in promoting halal fashion among the youth generation, particularly focusing on the influence of digital platforms on purchasing behavior and perceptions of modest fashion. The research seeks to understand how fashion brands utilize social media to target young Muslim consumers and the effectiveness of these strategies in promoting halal lifestyles. Design/Methods/Approach – A qualitative approach was employed, utilizing a comprehensive literature review to analyze existing studies and theories on halal fashion, social media marketing, and consumer behavior. Various academic journals, books, and credible online sources were examined to gather relevant data. Findings – The study finds that social media platforms, such as Instagram, TikTok, and YouTube, significantly influence Muslim youth’s fashion choices. Social media not only serves as a marketing tool but also facilitates community engagement and education around halal fashion. Influencer marketing plays a crucial role in shaping purchasing intentions, while challenges regarding authenticity and consumer trust are evident. Research Implications/Limitations – The study's limitations include its reliance on secondary data and the evolving nature of social media trends, which may affect the long-term applicability of the findings. Additionally, the research focuses primarily on Indonesian youth, which may limit its generalizability to other regions. Originality/Value – This study contributes to understanding how social media influences halal fashion consumption, shedding light on the intersection of religious values, modern trends, and digital marketing strategies. It offers insights for halal fashion brands on effectively engaging young Muslim consumers. Future research could explore the role of emerging platforms and consumer behavior changes in the halal fashion market.
Integration of Sufi Values in Fraud Prevention Efforts: A Conceptual Study in Indonesia Muhammad Irsyad Elfin Mujtaba; Muhammad Maimun Haki Al Arif; Nur Rohim Al Mahrus Anwar; Imma Rokhmatul Aysa
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 2 (2025): Jurnal At-Tamwil September 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i2.8093

Abstract

Purpose – This study aims to develop an initial conceptual framework that integrates fraud prevention based on Sufi values. This integration is important because the recent rise in moral decadence is considered a serious problem that encourages various types of fraud, including in Indonesia. Design/Methods/Approach – This study uses a library research method with a naturalistic qualitative approach. The emphasis is on critical-analytical thinking about literature and realities related to fraud and its triggers, as well as Sufi values to prevent it from occurring. Findings – The results of this study are the integration of Sufi values in preventing fraud as moral guidelines that shape personal piety and social responsibility. This study also highlights the application of Sufism as ethics in modern life. The values of Sufi teachings can be used as a basis or guideline in building dignified governance while emphasizing that Islamic teachings are a blessing for the entire universe. Research Implications/Limitations – This study only integrates Sufi values in general, without considering the specific characteristics of particular Sufi figures. This study opens opportunities for future research to specifically examine Sufi values by considering the distinctive thought patterns of several well-known Sufi imams embraced by Indonesian society and by communities practicing Sufism. Originality/Value – This study presents an alternative perspective that is able to suppress the factors that drive fraud by strengthening moral values through the integration of Sufi teachings (values).
Systematic Literature Review: Islamic Wealth Management Perspective Muhammad Fatchullah El Islami; Hoirul Anam; Nasrudin; Jakfar Shodiq
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 2 (2025): Jurnal At-Tamwil September 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i2.8099

Abstract

Purpose – Islamic Wealth Management is a concept and teaching that helps individuals or groups manage assets in an Islamic manner. The fundamental difference between conventional and Islamic asset management lies in the limitations of acquiring, saving and spending in the halal sector. However, practically many people still ignore the importance of Islamic management. This study aims to reveal how to manage assets with the Islamic Wealth Management method. Design/Methods/Approach – This research uses a qualitative approach to Systematic Literature Review. The research data comes from a literature study of published journal articles in 2014-2023 with the help of Harzing Publish or Perish 8 software. Findings – The research results from 21 journal articles following the criteria show that asset management in the IWM concept is still limited in meeting primary needs. Many people ignore asset management in the aspects of wealth protection and wealth distribution. The use of Islamic financial institutions is still lacking, and many do not prioritize the distribution of wealth to religious interests. Research Implications/Limitations – The IWM concept provides a solution that Islamic wealth must be obtained from halal places, stored halal, spent on halal objects, as needed, and not wasteful by paying attention to the importance of 5 aspects of IWM, namely Wealth Creation, Wealth Accumulation, Wealth Protection, Wealth Spending, and Wealth Distribution. Allah guides his servants who have wealth to be used for the benefit of the world and the hereafter.
Effectiveness of Green Sukuk in Indonesia: Emission Measurement, Sharia Law, and Transparency Amal Zainun Naim; Yustafad; Muhammad Fathur Reza
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 1 (2026): Jurnal At-Tamwil Maret 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i1.8173

Abstract

Purpose – This study critically evaluates the effectiveness of Indonesia's Green Sukuk as a sustainable financing instrument by integrating the perspectives of maqāṣid al-sharīah, regulatory governance, and global transparency standards. It addresses the gap between normative claims and implementation, particularly in terms of impact measurement and the risks of greenwashing. Design/Methods/Approach – A qualitative-normative approach, incorporating documentary analysis, is employed. Primary documents include national regulations, Green Sukuk reports, and Sharia fatwas. Data were analyzed thematically using NVivo to map the interconnections between Sharia objectives, sustainability governance, and reporting frameworks. Findings – Green Sukuk demonstrates strong potential for mobilizing ethical capital. However, its effectiveness is constrained by non-standardized environmental impact measurement, partial regulatory harmonization, and weak independent verification. While global standards (e.g., IFRS Sustainability Disclosure Standards) are conceptually aligned with maqāṣid al-sharīah, their operationalization requires stronger Sharia governance oversight and enforcement mechanisms to ensure substantive, not just symbolic, sustainability outcomes. Research Implications/Limitations – The study provides a critical integrative framework for policymakers and scholars. Its reliance on documentary data is a limitation, calling for future empirical validation at the project level. Originality/Value – This paper offers a novel integrative framework that bridges Islamic finance ethics (maqāṣid al-sharīah) with global sustainability governance, contributing to both academic discourse and practical policy design for credible Sharia-compliant green finance.
Socio-economic Effects of Introducing Halal Digital Currencies in Muslim Countries Zyl Aliaksandr
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 1 (2026): Jurnal At-Tamwil Maret 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i1.8351

Abstract

Purpose – This study aims to analyze the socio-economic effects of implementing halal digital currencies in Muslim countries and to determine their role in shaping a fair and inclusive Islamic economy. Design/Methods/Approach – The research employs methods of theoretical analysis, comparison, and interpretation. It draws on contemporary studies that examine Islamic cryptocurrencies, central bank digital currencies (CBDCs), fintech innovations, and Shariah-compliant models. The analysis focuses on identifying both direct and indirect socio-economic effects, which are structured across macroeconomic, social, institutional, and cultural-ethical dimensions. Findings – The main findings indicate that the introduction of halal digital currencies can contribute to GDP growth, increased investment activity, and financial inclusion, as well as to the reduction of social inequality, the enhancement of trust in financial institutions, and the strengthening of institutional transparency. From the perspective of Islamic economics, halal digital currencies adhere to Shariah principles by excluding elements of riba (usury), gharar (uncertainty), and maysir (gambling), thereby promoting fair, productive, and socially oriented forms of financial interaction. Research Implications/Limitations – This paper provides a systematization of the assessed effects of halal digital currencies, taking into account economic, social, and ethical parameters, which allows for their consideration as a strategic development tool for Islamic finance. The results can be applied in the formulation of national strategies for the digital Islamic economy, the implementation of halal CBDCs, and the development of an Islamic financial inclusion framework. The research is theoretical and review-based; it does not include empirical verification of long-term effects. Future studies could involve quantitative assessments and comparative analyses of halal digital currency applications across different Islamic countries to more accurately evaluate the identified patterns. Originality/Value – The study reveals that halal digital currencies form a new paradigm for the economic and financial development of Muslim countries, in which technological innovation is integrated with spiritual principles and social responsibility.
The Influence of Brand Equity and Halal Labels on Purchase Intention from an Islamic Marketing Perspective Purnama, Putri Intan; Zaerofi, Afif
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 1 (2026): Jurnal At-Tamwil Maret 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i1.8757

Abstract

Purpose – This study aims to analyze the effect of brand equity and halal labels on purchase intention toward Wardah cosmetics from an Islamic marketing perspective in the Bogor region. It builds on previous studies that show inconsistent results regarding the role of halal attributes in consumer purchase behavior. By incorporating halal awareness as a moderating variable and applying the SEM-PLS method, this study seeks to clarify these relationships in a local halal cosmetics market. The findings indicate that brand equity and brand image positively influence purchase intention, while halal awareness does not moderate these effects. Design/Methods/Approach – This study employed a quantitative approach using a survey method to collect data from consumers who have purchased Wardah cosmetics in the Bogor region. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to examine the relationships between brand equity, brand image, halal awareness, and purchase intention. Findings – The results show that brand equity and brand image have a positive and significant effect on purchase intention. However, halal awareness does not moderate the relationship between brand equity and purchase intention, nor between brand image and purchase intention. These findings indicate that branding factors play a more dominant role than halal awareness in influencing consumers’ purchase intention toward Wardah cosmetics in the Bogor region. Research Implications/Limitations – This study is limited by its focus on a single halal cosmetic brand (Wardah) and a specific geographic area (Bogor), which may restrict the generalizability of the findings to other brands or regions. The use of a cross-sectional survey and self-reported data may also limit the ability to capture changes in consumer behavior over time. Nevertheless, the findings provide practical implications for halal cosmetic marketers by highlighting the greater importance of brand equity and brand image compared to halal awareness in shaping purchase intention within a local Muslim market. Originality/Value – This study adds value to Islamic marketing literature by providing empirical evidence on the relative influence of branding factors and halal awareness on purchase intention in a local halal cosmetics market. By incorporating halal awareness as a moderating variable and focusing on Wardah consumers in Bogor, this research offers a contextual contribution that complements prior studies with mixed findings. Future research may extend this model to different brands, regions, or longitudinal designs to enhance generalizability.
Exploring Internal Market Potential for Business Unit Development: Evidence from UIN Sayyid Ali Rahmatullah Tulungagung Umam, Syamsul
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 1 (2026): Jurnal At-Tamwil Maret 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i1.9021

Abstract

Purpose – The purpose of this paper is to describe and explore the results of a market potential survey by mapping respondent profiles to initiate the development of a campus business unit that focuses on providing daily goods and services for the academic community of UIN SATU. Design/Methods/Approach – This study employed a quantitative approach using a survey method. A questionnaire survey was administered to the academic community of UIN SATU. The questionnaire comprised several groups of questions aimed at exploring the respondents' demographic and their consumption behavior related to campus-based goods and services. Findings – The findings reveal a structurally consistent and necessity-driven consumption pattern across the academic community. Essential categories, particularly Food & Beverages, Health-related products, and Academic Supplies, consistently record the highest index values. Although segment-based variations in magnitude are observed, especially among Premium respondents, the overall ranking structure remains stable across gender, faculty, and engagement groups. Research Implications/Limitations – This study provides an empirical foundation for data-driven campus business planning by demonstrating the usefulness of descriptive index analysis in profiling institutional consumption patterns. However, the analysis relies on descriptive analysis only. Future studies should employ probabilistic designs and explanatory models to deepen strategic insights. Originality/Value – This study offers an integrated index-based profiling of campus consumption behavior by linking demographic, faculty, and engagement segments to BLU-oriented business development strategy in higher education institutions.

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