Iqtisad : Journal of Islamic Economic and Civilization
Iqtisad: Journal of Islamic Economic and Civilization (E-ISSN 3090-7896) is a blind peer-reviewed journal studying Islamic Economics and Civilization published by Student Rihlah Indonesia. IJIEC is motivated by a lack of Muslim-spiritual values to understand the contribution of Islam to the development of many scientific disciplines for modern civilization. Hence, IJIEC attempts to integrate such kind science disciplines into Islam as a way of life in modern civilization. For this purpose, IRJIEC is designed as a unique peer-reviewed open-access online scientific journal that provides an interdisciplinary, national, international, and interfaith forum for scientists from any discipline area. It encourages reflective thinking and progressive working on modern Islamic civilization. IJIEC welcomes theoretical or empirical studies about the application of Islamic and Sharia concepts in many disciplines including economics and Civilization. IJIEC, a journal, provides a forum for publishing quality research. IJIEC publishes quality and in-depth analyses of current issues to investigate Economics, Management and Business topics in an Islamic perspective, in theory and practice, across Muslim in the world. This journal encompasses original research articles and review articles (only selected/invited authors), including: (a) Islamic Economics (b) Islamic Economics Law (c) Islamic Business Management (Human Resource, Marketing, Halal Supply Chain and Enterprise System) (d) Islamic Banking and Finance (e) Islamic Philantrophy (Zakat, Infaq, Shodaqoh and Waqf) (f) Islamic Business Ethics and Entrepreneurship (g) Islamic Insurance.
Articles
13 Documents
<![CDATA[Analisis Bay’ Gharar Dalam Aplikasi Tiktok ]]>
<![CDATA[Khatimah, Husnul]]>;
<![CDATA[Nuradi, Nuradi]]>;
<![CDATA[Amalia, Sinta]]>;
<![CDATA[Kamilah, Faizah]]>;
<![CDATA[Taslim, Humairah Az-Zahra]]>
<![CDATA[ Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 1 (2025): Iqtisad : Journal of Islamic Economic and Civilization ]]>
Publisher : <![CDATA[PT. Student Rihlah Indonesia ]]>
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DOI: 10.61630/irjiec.v1i1.1
<![CDATA[The development of technology has had a huge impact on economic growth, especially with the emergence of online buying and selling platforms. Among those that are currently viral in Indonesia is TikTok with the TikTok Shop feature. This research is an analytical study with the aim of knowing the element of gharar in the TikTok Serok and TikTok Capit trade on the TikTok platform. Gharar is uncertainty in buying and selling transactions that can occur in the contract, object, price, and time of handover which is forbidden in Islam. Data from the research is obtained from the results of literature studies by reviewing journals, books, articles and documents which are then analyzed descriptively qualitative. The results of the study indicate that the unclear nature of the object purchased through live TikTok Serok and TikTok Capit is a gharar of the majhūl type of sale and al ma'jūz 'an taslīmih. Because this system can cause losses to buyers and sellers due to the uncertainty of each item and the price per item contained in a single claw or spade.]]>
<![CDATA[Sharia Compliance of Murabahah of Gold ProductsIn Mandiri Sharia Banks ]]>
<![CDATA[Adhani, Annisa]]>;
<![CDATA[Nasim, Arim]]>;
<![CDATA[Juliana, Juliana]]>;
<![CDATA[Sobana, Dadang Husen]]>
<![CDATA[ Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 1 (2025): Iqtisad : Journal of Islamic Economic and Civilization ]]>
Publisher : <![CDATA[PT. Student Rihlah Indonesia ]]>
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DOI: 10.61630/irjiec.v1i1.2
<![CDATA[This study aims to measure customer perceptions of sharia compliance of gold murabahah financing products at Bank Syariah Mandiri (BSM) Cianjur Branch Office. The background of this study arose from the differences in views of scholars regarding the validity of non-cash gold buying and selling, which is an important consideration in evaluating sharia financial products. This study uses a descriptive quantitative method with descriptive statistical analysis techniques on data obtained from 92 respondents who use gold installment products. The results of the study indicate that in general, BSM gold installment products are in accordance with DSN-MUI Fatwa No. 77/2010, No. 04/2000, and No. 25/2002, and meet the maqasid sharia parameters. The dimensions of the fatwa related to murabahah and maqasid sharia are in the "very good" category, while the dimensions related to the rahn contract still need improvement although they remain in the "good" category. The implications of these findings indicate that the implementation of gold financing products at BSM Cianjur has a high level of sharia compliance, but there needs to be an evaluation of branch policies related to the rahn aspect to achieve perfection in the application of sharia principles.]]>
<![CDATA[Descriptive Study on Allocation of Zakat Distribution Based on Maqashid Syariah ]]>
<![CDATA[Setiyadi, Amin]]>;
<![CDATA[Mahri, A. Jajang W.]]>;
<![CDATA[Juliana, Juliana]]>;
<![CDATA[Sutjipto, Hady]]>
<![CDATA[ Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 1 (2025): Iqtisad : Journal of Islamic Economic and Civilization ]]>
Publisher : <![CDATA[PT. Student Rihlah Indonesia ]]>
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DOI: 10.61630/irjiec.v1i1.3
<![CDATA[This study aims to describe the distribution of zakat by BAZNAS Bandung Raya based on the perspective of maqashid sharia, which includes five main dimensions: protecting religion, soul, mind, descendants, and property. The method used is a descriptive-quantitative approach with data collection through questionnaires to 62 amil zakat from five BAZNAS in the Bandung Raya area. The results of the study indicate that in general the distribution of zakat is in the high category, with the largest allocation in the aspect of protecting descendants and mind through education programs and social assistance. The zakat distribution model is carried out in two forms, namely consumptive and productive. The implications of this finding emphasize the importance of reformulating the zakat distribution strategy to be more proportional to all dimensions of maqashid sharia, as well as the need to strengthen institutions and use information technology in zakat management. This study provides theoretical contributions to the study of Islamic economics and becomes a practical reference for zakat institutions to increase the effectiveness and social impact of zakat distribution in society.]]>
<![CDATA[Implementation of Sharia Compliance in Sharia Hotels Based on Consumer Perspectives ]]>
<![CDATA[Hayat, Syam Bahrul]]>;
<![CDATA[Rozali, Rozmita Dewi Y]]>;
<![CDATA[Juliana, Juliana]]>;
<![CDATA[Prawito, Ponsen Sindu]]>
<![CDATA[ Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 1 (2025): Iqtisad : Journal of Islamic Economic and Civilization ]]>
Publisher : <![CDATA[PT. Student Rihlah Indonesia ]]>
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DOI: 10.61630/irjiec.v1i1.4
<![CDATA[The background of this research is based on the phenomenon of the not yet optimal application of sharia compliance in sharia hotels. In addition, there are still many people who do not understand and understand the difference from sharia hotels to conventional hotels. This study aims to measure the assessment or level of implementation of Sharia Compliance in Islamic hotels in the city of Bandung, namely Sharia Daarul Jannah Cottage, Rumah Tawa and Orange Home’s Sharia hotels based on sharia hotel consumer perspectives. The research data was obtained from hotel consumer respondents totaling 100 people. The research method used is quantitative descriptive with data analysis techniques using descriptive statistics. The characteristics of sharia hotel consumers have an average marital status married to 31 to 30 years old. The results of the study showed that the evaluation or level of implementation of Sharia Compliance in three sharia hotels was included in the criteria of good, for the dimensions that received the lowest rating, namely the service dimension. While for other dimensions such as product and management dimensions are quite good. However, in this study the implications of the need for increased shari'ah compliance in sharia hotels, especially in some aspects of service, hotel management, MUI DSN regulation and fatwa on managing sharia hotels.]]>
<![CDATA[Social Impact Measurement by Social Return on Investment Based on Islamic Social Enterprise ]]>
<![CDATA[Fransiska, Ina Berliana]]>;
<![CDATA[Manoarfa, Hilda]]>;
<![CDATA[Juliana, Juliana]]>;
<![CDATA[Asih, Vemy Suci]]>
<![CDATA[ Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 1 (2025): Iqtisad : Journal of Islamic Economic and Civilization ]]>
Publisher : <![CDATA[PT. Student Rihlah Indonesia ]]>
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DOI: 10.61630/irjiec.v1i1.5
<![CDATA[This research is motivated by socio-economic imbalance that cannot be handled properly by the government so that the presence of social enterprise is needed in the midst of society. Evaluation and sustainable development in social enterprise is necessary to maintain its existence, by measuring the social impact that results from the social mission business. The concept of social enterprise itself is generally neutral without being based on religious values. The emergence of the concept of Islamic social enterprise is a novelty. This study uses a qualitative descriptive method that aims to describe the actual conditions of the application of the Islamic social enterprise concept in a company and measure their social impact. With injection of Islamic social enterprise in the process of measurement, this research has added value than others. The subject is Catenzo shoe company located in Cibaduyut, Bandung City. Catenzo has a significant role in empowering local shoe craftsmen in that area. The population is Catenzo partner shoe craftsmen as the main recipient of the impact of empowerment, amounting to 121 people with 25 people as sample. The Social Return on Investment (SROI) method is a measuring tool used in this study. The SROI ratio calculation results show that the Catenzo shoe company succeeded in creating a social impact or benefit for the partner shoe craftsmen.]]>
<![CDATA[Determinant Factor In Decision Making To Become Muslimpreneur ]]>
<![CDATA[Gunawan, Noviandra]]>;
<![CDATA[Juliana, Juliana]]>;
<![CDATA[Adirestuty, Fitranty]]>;
<![CDATA[Sholahuddin, Muhammad]]>
<![CDATA[ Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 2 (2025): Iqtisad : Journal of Islamic Economic and Civilization (In Progress) ]]>
Publisher : <![CDATA[PT. Student Rihlah Indonesia ]]>
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DOI: 10.61630/ijiec.v1i2.6
<![CDATA[This research aims to determine and analyze the determinant factors in decision making to become a Muslimpreneur by conducting a survey at the Indonesia Islamic Business Forum, Bandung City. By using the causality method with a quantitative approach, this research analyzed 236 respondents who were members of IIBF Kota Bandung. To prove the hypothesis, the collected data was analyzed using the toolPatrial Least Square - Structural Equation Modeling (PLS-SEM) through the SmartPLS application. This research shows that the variables of interest and level of religiosity influence the decision making to become a Muslimpreneur. This finding confirms that the factors of interest and level of religiosity are very important in encouraging the growth of Islamic entrepreneurship. In order to increase entrepreneurs and Muslimpreneurs in Indonesia, the role of the government and the Muslimpreneur community will be very necessary in socializing and re-promoting the concept of Muslimpreneurs or Islamic Entrepreneurship on various platforms optimally, such as social media, seminars, workshops and several other media. This study is the first in testing the determinant factors of decision making to become a Muslimpreneur in IIBF Bandung City members. This study successfully revealed the strengths and weaknesses of interest factors and levels of religiosity in influencing decision making to become a Muslimpreneur.]]>
<![CDATA[The Influence Of Brand Image And Perceived Quality On Muslim Millennials' Purchase Interest In Local Fashion Brand Products ]]>
<![CDATA[Shiddieq, Muhammad Biagi Hafizh]]>;
<![CDATA[Juliana, Juliana]]>;
<![CDATA[Utami, Suci Aprilliani]]>;
<![CDATA[Marlina, Ropi]]>
<![CDATA[ Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 2 (2025): Iqtisad : Journal of Islamic Economic and Civilization (In Progress) ]]>
Publisher : <![CDATA[PT. Student Rihlah Indonesia ]]>
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DOI: 10.61630/ijiec.v1i2.7
<![CDATA[Around 60% of consumers dominated by Muslim millennials still pursue imported fashion brands because they are recognized as having better quality and prestige, even though they know that the price of local fashion products is more affordable. The purpose of this study is to determine the influence of brand imageand perceived quality on the purchase interest of Muslim millennials in Islamic economics study program students at State Universities in Bandung City. The method used in this study is the causality method with a quantitative approach and hypothesis testing design. The study was conducted on students of Islamic economics study programs at State Universities in Bandung City including UPI, UIN, and UNPAD. The results of the study showed that brand image and perceived quality influenced the purchase interest of Islamic economics students in fashion products in Bandung City. The researcher hopes that the results of this study can provide benefits for various parties, especially local business actors, so that they can pay more attention to brand image and perceived quality to increase purchase interest in local fashion products in Bandung City.]]>
<![CDATA[A Critique Of The Concept Of Growth In Secular Economics According To Syed Muhammad Naquib Al-Attas ]]>
<![CDATA[Johnderose, Ahmad Qolbi Zidan]]>;
<![CDATA[Hamijar, Muhammad Fajar]]>;
<![CDATA[Nuha, Dzatu Aliviatin]]>
<![CDATA[ Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 2 (2025): Iqtisad : Journal of Islamic Economic and Civilization (In Progress) ]]>
Publisher : <![CDATA[PT. Student Rihlah Indonesia ]]>
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DOI: 10.61630/ijiec.v1i2.8
<![CDATA[This research highlights the urgency of reformulating the concept of economic growth in secular economic thinking that contributes to the crisis of morality, justice and sustainability. This paradigm measures growth only quantitatively such as through GDP, but ignores the spiritual, ethical or moral, and social dimensions. This research aims to examine Syed Muhammad Naquib al-Attas' critique of the paradigm and offer an alternative framework based on the Islamic worldview. The method used in this research is qualitative literature with content analysis of al-Attas' main works and related academic literature. The results show that al-Attas sees the epistemological crisis of secular economics as stemming from the separation between science and revelation. He offers a solution in the form of economic Islamisation through the integration of the values of tawhid, adab, and maqashid al-syari'ah. The novelty of this research lies in the philosophical synthesis between al-Attas' metaphysical thinking and contemporary economic challenges, and encourages a shift in economic policy from material accumulation to an ethical and spiritual approach, especially in Muslim countries that want more holistic development.]]>
<![CDATA[Strategi Pembelajaran Nilai Anti-Riba Melalui PAI Di Era Konsumerisme Digital ]]>
<![CDATA[Supriatin, Iit]]>;
<![CDATA[Ismail, Dudi]]>;
<![CDATA[Mubarok, Mickail]]>;
<![CDATA[Suciyati, Yati]]>;
<![CDATA[Tresnajaya, Tresnajaya]]>
<![CDATA[ Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 2 (2025): Iqtisad : Journal of Islamic Economic and Civilization (In Progress) ]]>
Publisher : <![CDATA[PT. Student Rihlah Indonesia ]]>
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DOI: 10.61630/ijiec.v1i2.9
<![CDATA[The phenomenon of digital consumerism among Muslim students has fostered a permissive mindset toward modern forms of riba (usury), such as online loans, digital installments, and concealed interest-based transactions. This study aims to analyze effective and relevant strategies for teaching anti-riba values in the digital era. A descriptive qualitative method was employed, based on a literature review of curriculum documents, textbooks, scholarly articles, and previous research. The findings indicate that although teachers are increasingly aware of the importance of Islamic commercial ethics (muamalah), classroom implementation remains theoretical and lacks contextual relevance. Identified teaching strategies include the integration of digital riba case studies, simulations of sharia-compliant transactions, and thematic approaches based on Qur’anic and Hadith evidences. The novelty of this study lies in the development of a responsive pedagogical model for anti-riba education tailored to students’ digital consumption realities. These findings have policy implications for strengthening the PAI curriculum with practical and applicable Islamic economic content, as well as the need for teacher training to implement contextual, muamalah-based learning in the digital age.]]>
<![CDATA[Analisis Prinsip Keadilan Dalam Pembiayaan Mudharabah Di BMT Surya Madani Boyolali Jawa Tengah ]]>
<![CDATA[Candra, Diki]]>;
<![CDATA[Wulandari, Fitri]]>
<![CDATA[ Iqtisad: Journal of Islamic Economic and Civilization Vol. 1 No. 2 (2025): Iqtisad : Journal of Islamic Economic and Civilization (In Progress) ]]>
Publisher : <![CDATA[PT. Student Rihlah Indonesia ]]>
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DOI: 10.61630/ijiec.v1i2.10
<![CDATA[This study aims to analyze the implementation of the principle of fairness in mudharabah financing at BMT Surya Madani, Boyolali, Central Java, which is one of the main pillars of the Islamic economy. The importance of this study lies in the need for transparent and fair management of Islamic financing to increase public trust in Islamic microfinance institutions. The method applied is a qualitative approach with data collection techniques that include in-depth interviews, document analysis, and direct observation. The results of the study indicate that although the principle of fairness has been applied through the proportional distribution of profits and risks, there are challenges in its implementation, such as the lack of customer understanding of the concept of mudharabah. The novelty of this study lies in the determination of specific factors that influence the application of justice locally, as well as policy implications that prioritize strengthening sharia-based education and supervision to improve the efficiency and sustainability of mudharabah financing.]]>
