cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Sutantri
Contact Email
tantri@uit-lirboyo.ac.id
Phone
+62857-8480-6694
Journal Mail Official
jurnal.attamwil@gmail.com
Editorial Address
Prodi Perbankan Syariah Universitas Islam Tribakti Lirboyo Kediri Jl. KH. Wahid Hasyim 62 Kediri Telp. (0354) 772879
Location
Kab. kediri,
Jawa timur
INDONESIA
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 122 Documents
 9   10   11   12   13 
Optimizing Pesantren-Owned Enterprises (BUMP) as Halal Business Incubators: Promoting Economic Independence for the Community Sutantri; Stevanus Gatot Supriyadi
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.v8i1.9176

Abstract

Purpose – This study aims to formulate a framework for optimizing BUMP through structural transformation into a Halal Business Incubator (IBH). Design/Methods/Approach – The methodology employed is a conceptual, prescriptive, and descriptive qualitative approach, synthesizing governance, incubation models, and Sharia funding architecture. Findings – Pesantren-owned enterprises (BUMP) hold a strategic position as an anchor for the Muslim community's economy and a key instrument in realizing Indonesia's vision as a Global Halal Hub. However, there are significant challenges, particularly in terms of human resource capabilities, literacy in halal development instruments, and limited access to capital. Research Implications/Limitations – The analysis resulted in the Four Pillars Optimization Model: (1) Strengthening Centralized Relational Governance for accountable and digital supervision; (2) Five Pillars Integrated Halal Incubation Operational Model that places Halal Assurance at its core; (3) A Strategy for Strengthening Human Resource Capabilities through massive halal literacy training; and (4) A Sharia Blended Finance Funding Architecture that synergizes Productive Waqf for assets and Shariah Crowdfunding for working capital. Originality/Value – This research provides an optimization roadmap for BUMP to improve the competitiveness of MSMEs by accelerating halal certification and fundamentally promoting independence.
Islamic Banking Literacy in the Understanding of the Muslim Community of Kadujaya Village Toward Islamic Bank Products Didi Suardi; Topan; Ade Muslimat; Fatkhur Rohman; Oom Komariyah
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.v8i1.9204

Abstract

Purpose – This study aims to analyze Islamic banking literacy among the Muslim community of Kadujaya Village in relation to their understanding of Islamic bank products. This issue is relevant because limited knowledge of Islamic banking principles, contracts, and products remains a major obstacle to strengthening Islamic financial inclusion, particularly in communities where conventional banking practices are still dominant. Design/Methods/Approach – This study employed a descriptive qualitative approach with a case study design. Data were collected through observation, interviews, and documentation involving ten community informants from Kadujaya Village, RT 002/RW 008, and one expert informant. The data were analyzed through data collection, data reduction, data display, and conclusion drawing. Findings – The findings show that the Muslim community’s understanding of Islamic banking remains limited. Informants generally understood Islamic banks as financial institutions that do not apply interest, but they did not yet have a comprehensive understanding of operational principles, contracts, profit-sharing mechanisms, or the variety of Islamic banking products. Research Implications/Limitations – This study implies the need for more contextual, sustainable, and community-based Islamic banking education. However, the study is limited to a small number of informants in one village community, so the findings cannot be generalized to all Muslim communities. Originality/Value – This study contributes to Islamic banking literacy research by focusing on the understanding of Islamic banking among village-level Muslim communities and identifying factors that influence Islamic financial literacy.
Transforming Economic Inertia: A Feasibility Study on Robo-Advisory Integration for Optimizing Inheritance (Faraid) Assets in Malaysia Zul Aizat Hamdan; Fuadah Johari; Muhammad Suhaimi
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9104

Abstract

Purpose – This paper studies how economic inertia can make the integration of Robo-advisory services in Malaysia to optimize Faraid (Islamic Inheritance) assets wasteful in terms of wealth creation. It is a response to the systemic crisis of frozen inheritance assets that grew to approximately RM90 billion by 2025, proposing a shift away from passive custodial management to a technology-driven investment model in line with the principle of hifz al-Mal (preservation of wealth) as the Maqasid al-Shariah principle. Methodology – Adopting an exploratory qualitative design in nature, where a triangulated pool of five experts representing academia, industry practitioners, and regulatory bodies was used. The data were interpreted with the help of the thematic analysis, which was interpreted in the frames of the theoretical approaches to the problem, such as the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT). Findings – The results indicate that there is a substantial difference in the stakeholder views. Although there is strong support towards Robo-advisory integration based on six critical demands, such as stringent Shariah cleansing, capital protection on behalf of orphans, and algorithmic integrity, that is the primary regulator exhibits institutional inertia, since it favors traditional internal portfolios. The paper finds that institutional preparedness and perceived risk, and not technological or jurisprudential limits, are the key obstacles to mobilizing frozen wealth. Practical Implications – This study can offer institutional trustees like Amanah Raya Berhad a strategic roadmap to modernize fiduciary roles. Serviceably, it suggests the alignment of a regulatory sandbox (led by the Securities Commission Malaysia) to pilot the use of Robo-advisory applications, such that the resources put into assets at the service of the interim administration are insulated against an inflationary loss of their effect in the transitional managerial regime. Originality/Value – The study addresses the gap between classical jurisprudence that has been embraced by Faraid in classical jurisprudence and contemporary Digital Investment Management (DIM). It proposes a new conceptual framework of the frame of conceptualization of wealth retention as a dynamic productive process in the face of the critical interim period of estate management.
Mitigation of Gharar Elements in Online Thrifting Transactions: Sharia Economic Analysis on the @Loman.Thrift Digital Platform Muhammad Ullin Nuha; Lilik Mutaharoh; Stevanus Gatot Supriyadi
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9186

Abstract

Purpose – This study aims to analyze the mitigation of gharar elements in online thrifting transactions from an Islamic economic perspective, focusing on the digital platform @Loman.Thrift. The research addresses the problem of information asymmetry in online transactions, particularly in secondhand goods, and examines how sharia principles can ensure fair and transparent trade practices. Design/Methods/Approach – This research employs a qualitative descriptive approach with a case study design. Data were collected through in-depth interviews with the business owner, direct observation of transaction activities on Instagram, Shopee, and TikTok, and documentation of digital transaction records. Data analysis follows the interactive model of Miles, Huberman, and Saldaña, including data condensation, data display, and conclusion drawing, with triangulation techniques to ensure validity. Findings – The findings reveal that @Loman.Thrift effectively mitigates gharar through detailed product descriptions, visual documentation (photos and videos), live streaming features, and the use of third-party transaction guarantees such as Shopee escrow services. Additionally, the implementation of khiyar al-‘aib provides consumers with the right to return defective goods, enhancing transaction fairness and aligning with Islamic principles. Research Implications/Limitations – This study is limited to a single case, which restricts generalizability. It also focuses on specific platforms, without comparative analysis across different marketplaces. Originality/Value – This research contributes to the development of contemporary Islamic economic studies by demonstrating how digital platform features and the implementation of khiyar al-'aib (the option of defect) strengthen the characteristics of Bai' al-Mu'ayyan (sale of a specific identified object). This approach effectively reduces information asymmetry and gharar (uncertainty) in online transactions, offering a practical model for sharia-compliant digital commerce.
The Emergence and Evolution of Maqasid al-Shariah in Islamic Fintech Discourse: A Bibliometric and Science Mapping Analysis Mesi Herawati
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9765

Abstract

Purpose – This study maps the scientific development, social and intellectual structure, conceptual structure, and thematic evolution of Maqasid al-Shariah in the Islamic FinTech literature using bibliometric and science mapping approaches. Design/Methods/Approach – Scopus-indexed publications published between 2020 and June 2026 were analyzed using bibliometric techniques, VOSviewer, and the PRISMA 2020 framework. A total of 76 publications were included in the final dataset. Findings – The results indicate increasing scholarly attention to Maqasid al-Shariah in the Islamic FinTech literature, although publication output fluctuated across individual years. Indonesia and Malaysia emerge as leading contributors, supported by prominent authors, institutions, and publication sources. The literature is organized around interconnected themes, including Islamic FinTech, financial inclusion, blockchain, Islamic social finance, sustainability, artificial intelligence, and Shariah governance. Although Maqasid al-Shariah is not among the most frequent keywords, its discourse is connected to these themes, particularly ethical innovation, social welfare, financial inclusion, and sustainability. Thematic evolution suggests a shift in emphasis from technology-oriented innovation toward value-driven and sustainability-focused research. Research Implications/Limitations – This study is limited to Scopus-indexed publications identified through the specified search strategy and covers publications available up to June 2026; therefore, the 2026 publication count represents a partial year. The findings are also sensitive to database coverage, search-term selection, bibliometric thresholds, and citation-time effects. Nevertheless, the study provides a knowledge base for future research on AI, blockchain governance, digital Islamic social finance, ESG, digital Shariah governance, and Maqasid-based performance measurement. Originality/Value – This study demonstrates how Maqasid al-Shariah is increasingly connected with the ethical, social, governance, and sustainability dimensions of Islamic FinTech research and provides a comprehensive knowledge map to inform future research and policy discussions.
The Effect of Product Quality and Service Quality on Member Satisfaction with the Company's Reputation As an Intervening Variable in Koptan BMT Barokah Rischa Nur Annisa; Ragil Satria Wicaksana; Dhidhin Noer Ady Rahmanto; Novi Febriyanti
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9815

Abstract

Purpose – This study examines the effect of product quality and service quality on member satisfaction at Koptan BMT Barokah, with company reputation positioned as an intervening variable. The study addresses inconsistent findings on member satisfaction by examining the role of company reputation in the context of a farmer-based Islamic microfinance institution. Design/Methods/Approach – A quantitative correlational design was used. Data were collected through an offline questionnaire from 129 active members selected using purposive sampling and analyzed using path analysis with SPSS 22. Mediation effects were assessed using the Sobel test, preceded by validity, reliability, and classical assumption tests. Findings – Product quality had a significant positive effect on both company reputation and member satisfaction. Service quality had a significant positive effect on company reputation but no significant direct effect on member satisfaction. Company reputation had a significant positive effect on member satisfaction. The Sobel test indicated significant indirect effects of product quality and service quality on member satisfaction through company reputation, with indirect effects of 0.043 (p = 0.049) and 0.130 (p = 0.014), respectively, supporting both mediation hypotheses. Research Implications/Limitations – The findings suggest that Koptan BMT Barokah should prioritize product suitability and reliability while maintaining service quality to strengthen institutional reputation and member satisfaction. The study is limited to a single farmer-based BMT and uses path analysis within one institutional setting, which limits the generalizability of the findings. Originality/Value – This study contributes to the literature by examining company reputation as an intervening mechanism linking product quality and service quality with member satisfaction in a farmer-based Islamic microfinance institution. The study provides a contextual examination of how members' evaluations of product benefits and service experiences are reflected in their broader perceptions of institutional credibility and reputation, which subsequently contribute to satisfaction.
Effectiveness of Digital Administrative Services at the Siantar Marimbun District Office Muhammad Deary; Fitri Hayati; Tri Indah Fadhila Rahma
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9856

Abstract

Purpose – This study analyzes the effectiveness of digital administrative services at the Siantar Marimbun District Office, Pematangsiantar City, using Richard M. Steers' organizational effectiveness indicators: goal achievement, adaptability, integration, and system maintenance. Design/Methods/Approach – The research used a qualitative methodology and a descriptive framework. Information was gathered via comprehensive interviews, direct observation, and examination of relevant documents. Participants included the District Secretary, administrative personnel, and community members who utilized the services. The analysis of the collected data followed the interactive model proposed by Miles, Huberman, and Saldaña, which encompasses data reduction, data presentation, and the formulation of conclusions. Data credibility was confirmed through the use of source triangulation. Findings – The findings indicate that digital administrative services at the Siantar Marimbun District Office have been implemented effectively. The implementation of the Dynamic Integrated Archival Information System (SRIKANDI) has accelerated administrative processes, improved document management, and enhanced public service quality. Employees have successfully adapted to information technology, supported by good coordination, effective communication, and adequate infrastructure. Research Implications/Limitations – From a managerial perspective, the implementation of SPBE at the regional/sub-district government level requires strengthening digital infrastructure, employee competencies, interdepartmental coordination, and continuous monitoring to ensure effective and sustainable digital administrative services. Although technical issues such as occasional internet network disruptions and application delays still occur, responsive management and coordination have prevented these limitations from significantly disrupting service delivery. Originality/Value – This research demonstrates how the integration of e-government through the SRIKANDI application in local district-level public administration fulfills organizational effectiveness criteria, providing practical insights for improving digital public service quality.
The Effect of Digital Marketing Strategy on Switching Behavior Through Showrooming Behavior Among Generation Z Fast-Fashion Consumers Lina Fitriya
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9867

Abstract

Purpose – This study examines the relationship between Digital Marketing Strategy and Switching Behavior through Showrooming Behavior among Generation Z fast-fashion consumers in Tuban Regency. The study addresses a research gap concerning the role of showrooming as a potential behavioral mechanism linking digital marketing exposure and consumer switching tendencies. Design/Methods/Approach – This study employed a quantitative explanatory design. Data were collected through an online questionnaire distributed via Google Forms to 100 Generation Z consumers aged 17–27 years using purposive sampling. Data were analyzed using IBM SPSS Statistics through validity and reliability testing, descriptive statistics, Pearson correlation analysis, simple and multiple regression analyses, and mediation testing. Findings – The findings indicate that Digital Marketing Strategy significantly influences Showrooming Behavior, which in turn significantly affects Switching Behavior. Although Digital Marketing Strategy initially has a significant positive relationship with Switching Behavior, this direct effect becomes statistically insignificant after Showrooming Behavior is introduced into the model. These results indicate that Showrooming Behavior fully mediates the relationship between Digital Marketing Strategy and Switching Behavior, suggesting that digital marketing strategies influence customers' switching behavior primarily through their showrooming activities. The model explains 51.3% of the variance in Switching Behavior. Research Implications/Limitations – The findings suggest that businesses should adopt integrated omnichannel strategies to reduce consumers’ tendencies to compare and switch to competing alternatives. The study is limited to Generation Z consumers in Tuban Regency and a cross-sectional design, highlighting the need for broader and longitudinal research. Originality/Value – This study integrates Digital Marketing Strategy, Showrooming Behavior, and Switching Behavior into a single framework, highlighting showrooming as an intervening mechanism linking digital marketing to consumer switching behavior among Generation Z fast-fashion consumers.
Analysis of Customers’ Perceptions and Understanding of the Implementation of Hybrid Contracts in Financing Products Offered by Bank Syariah Indonesia Najwa Nabila; Tuti Anggraini; Rahmi Syahriza
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9861

Abstract

Purpose – This study aims to analyze the implementation of hybrid contracts as well as customers’ perceptions and understanding of the contract structure in Bank Syariah Indonesia (BSI) financing products. Design/Methods/Approach – This study employs a qualitative approach using a case study model. Primary data were obtained through in-depth interviews with four customers using financing products based on hybrid contracts, namely Murabahah bi al-Wakalah, Ijarah Muntahiyah bi at-Tamlik (IMBT), Musyarakah Mutanaqisah (MMQ), and a combination of Rahn, Qardh, and Ijarah. The study also involved one key informant from the bank’s gold pawn service. Data were analyzed using the Miles and Huberman interactive model through data reduction, data presentation, and conclusion drawing. Findings – The results of the study indicate that the implementation of hybrid contracts generally proceeds in accordance with the mechanisms described at the outset of the contract. Customers’ understanding of the structure and interrelationships among the contracts varies. Some customers better understood practical aspects, such as transaction value, payments, product benefits, and costs, while their understanding of the functions and relationships between the contracts was not yet fully developed. Customer perceptions tended to be positive, particularly regarding ease of use, transparency, convenience, fairness, and compliance with Sharia principles. Research Implications/Limitations – The findings indicate the need to strengthen contract literacy through simple, systematic, and educational communication. The study was limited to four informants and the BSI region in Medan and its surrounding areas. Originality/Value – This study contributes by comparing customers’ perceptions and understanding of several forms of hybrid contracts in Sharia financing practices, particularly the differences between practical understanding of products and structural understanding of the functions and relationships between contracts.
The Formation of Consumer Brand Engagement through Personal Selling: Brand Engagement and Purchase Intention in Islamic Banking Muhammad Syahdat Adzani; Endy Gunanto Marsasi
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9895

Abstract

Purpose – This study aims to analyze the implementation of a personal selling-based marketing program in fostering Consumer Brand Engagement (CBE) and increasing the conversion of prospective customers within the Islamic banking industry. The study addresses the need to strengthen consumer involvement through sustained interactions and relevant product information in Islamic banking marketing. Design/Methods/Approach – The study was conducted at Bank Syariah X, Yogyakarta Branch, whose institutional identity is anonymized, through a personal selling program encompassing product socialization, presentations, visits, distribution of informational materials, follow-up activities, consultations, and assistance with account opening. Program effectiveness was evaluated using the interest rate, follow-up rate, visit rate, closing rate, and overall conversion rate. The primary theoretical framework employed is Consumer Brand Engagement, supported by Customer Engagement and Purchase Intention. Findings – The findings indicate that the program was effective in expanding brand awareness, generating consumer interest, and establishing initial interactions; however, conversion toward closing remained inconsistent. These findings suggest that consumer involvement progressed through initial information reception and interaction but was not consistently translated into purchase or account-opening decisions. Research Implications/Limitations – Enhancing communication quality, information relevance, and continuous follow-up is necessary to strengthen CBE, foster customer engagement, increase purchase intention, and optimize customer acquisition. The findings are limited to the implementation of a personal selling program at Bank Syariah X, Yogyakarta Branch, which may constrain their generalizability to other Islamic banking institutions and branches. Originality/Value – This study provides insight into how personal selling can be utilized to foster CBE and support the progression from consumer interaction to customer engagement, purchase intention, and conversion within sustainable Islamic banking marketing.

Page 12 of 13 | Total Record : 122

 9   10   11   12   13 

Filter by Year

2019 2026


Reset
Filter By Issues
All Issue Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026 Vol. 8 No. 1 (2026): Jurnal At-Tamwil Maret 2026 Vol. 7 No. 2 (2025): Jurnal At-Tamwil September 2025 Vol. 7 No. 1 (2025): Jurnal At-Tamwil Maret 2025 Vol. 6 No. 2 (2024): Jurnal At Tamwil, September 2024 Vol. 6 No. 1 (2024): Jurnal At Tamwil, Maret 2024 Vol. 5 No. 2 (2023): Jurnal At Tamwil, September 2023 Vol. 5 No. 1 (2023): Jurnal At Tamwil, Maret 2023 Vol. 4 No. 2 (2022): Jurnal At Tamwil, September 2022 Vol. 4 No. 1 (2022): Jurnal At Tamwil, Maret 2022 Vol. 3 No. 2 (2021): Jurnal At Tamwil, September 2021 Vol. 3 No. 1 (2021): Jurnal At Tamwil, Maret 2021 Vol. 2 No. 2 (2020): Jurnal At Tamwil, September 2020 Vol. 2 No. 1 (2020): Jurnal At Tamwil, Maret 2020 Vol. 1 No. 2 (2019): Jurnal At Tamwil, September 2019 Vol. 1 No. 1 (2019): Jurnal At Tamwil, Maret 2019 More Issue