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Journal of Islamic Studies (Z-ISLAMICA)
Published by Penerbit Az-Zahra Media Society
ISSN : -     EISSN : 31098118     DOI : -
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice
Journal of Islamic Studies (Z-ISLAMICA) is a peer-reviewed, open access academic journal devoted to advancing scholarly research in the wide-ranging fields of Islamic studies. The journal aims to become a platform for critical discussions, textual analyses, and interdisciplinary approaches related to the Quran, Hadith, Islamic philosophy, theology (kalam), Sufism, Islamic civilization, Islamic law, Islamic economics and finance, and contemporary Islamic thought. The journal especially welcomes original research articles, conceptual papers, and literature reviews that explore the integration of Islamic teachings with contemporary societal challenges, including Islamic economic systems, ethical finance, zakat, waqf, halal industry, and the role of Islam in modern socio-economic development. Contributions from global scholars, academics, and practitioners are encouraged.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
 1 
DETERMINING INFLUENCING FACTORS DEVELOPMENT OF THIRD-PARTY FUNDS: CASE STUDIES ON SHARIA BANKING IN INDONESIA Baghas Budi Wicaksono; Yanti Pusparini; Rini Kurnia Sari
Journal of Islamic Studies [Z-ISLAMICA] Vol. 1 No. 1 (2025): Journal of Islamic Studies (Z-ISLAMICA)
Publisher : Az-Zahra Media Society

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Abstract

Islamic banking in Indonesia has experienced rapid development over the past decade, as reflected in the increasing collection of third party funds (TPF), increasing contribution to gross domestic product in the financial services sector, and absorption of labor in the sector. This development is thought to be influenced by various macroeconomic indicators, such as benchmark interest rates, minimum cash reserves, government bond transactions, and other variables that play a role in the national monetary system. This study aims to analyze the influence of monetary indicators and labor on the development of third party funds in Islamic banking in Indonesia. The approach used is quantitative by utilizing secondary data analyzed using a multiple linear regression model. The results of the study indicate that labor in the Islamic banking sector and Bank Indonesia's benchmark interest rate have a significant effect on the development of third party funds. Labor has a positive effect, indicating that an increase in the number of workers encourages an increase in TPF collection. Conversely, the benchmark interest rate has a negative effect, indicating that a decrease in interest rates encourages an increase in third party funds in Islamic banking, in line with the public's preference for Islamic financial products when conventional interest rates decline.
THE RELEVANCE OF USING DINAR AND DIRHAM IN THE ERA OF SOCIETY 5.0 Mahlel
Journal of Islamic Studies [Z-ISLAMICA] Vol. 1 No. 1 (2025): Journal of Islamic Studies (Z-ISLAMICA)
Publisher : Az-Zahra Media Society

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This research utilizes a qualitative method with a literature study approach to explore the restoration of the use of gold dinars and silver dirhams as currency from an Islamic perspective. The advantages of dinar and dirham, such as rust resistance, luxury, global acceptance, flexibility, and scarcity, are outlined with reference to the works of Imam al-Ghazali and other reliable literature. Despite these advantages, the implementation of the dinar and dirham faced a number of problems, including a lack of political and legal support from Muslim governments, as well as resistance from Western countries that could destabilize their economic dominance. The history of inflation in the period of dinar and dirham use is detailed, highlighting causes such as hoarding and counterfeiting that hurt the value of gold and silver currencies. While there is a desire to restore the use of dinar and dirham, real challenges involve a lack of political support, legal incompatibilities and global resistance. The research analysis confirms that in an Era Society 5.0 that relies heavily on technology and digital finance, the concept of restoring dinars and dirhams is no longer relevant, as people prefer digital currencies and modern financial innovations for better security, efficiency, and accessibility.
SHARIA LOGISTICS: SHOULD IT BE IMPLEMENTED IN MODERN BUSINESS? Arief Rachman
Journal of Islamic Studies [Z-ISLAMICA] Vol. 1 No. 1 (2025): Journal of Islamic Studies (Z-ISLAMICA)
Publisher : Az-Zahra Media Society

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Abstract

This study discusses the importance of implementing sharia logistics in modern business, seeing the times and the demands of the needs of Muslims, especially Indonesia as a big house for the world's Muslims. This research uses a descriptive qualitative method with secondary data sources accessed from journals, books, previous research results, and reliable websites that can be used as reference sources. The results of this study show that sharia logistics integrates Islamic sharia principles into the supply chain, ensuring halalness, hygiene, and fairness in the distribution of goods. The benefits include fulfillment of religious principles, improved quality of goods, and increased social justice. However, the challenges of additional costs and limited resources are also faced. With the right investment, sharia logistics can build consumer confidence, support economic growth, and promote religious values.
THE EFFECT OF INFLATION ON ECONOMIC STABILITY IN ISLAMIC PERSPECTIVE Ismul Fakhri Lubis; Herry Syahbannuddin
Journal of Islamic Studies [Z-ISLAMICA] Vol. 1 No. 1 (2025): Journal of Islamic Studies (Z-ISLAMICA)
Publisher : Az-Zahra Media Society

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Abstract

This paper explores the issue of inflation, its causes and impacts, particularly on economic stability from an Islamic perspective. The author highlights the significant burdens arising from rising prices of basic goods and services, which are often attributed to inflation, as well as its effects that encourage protests against government plans that may worsen the situation. The paper reviews the definition and recognition of inflation in economic discourse, highlights its historical significance, and its negative consequences on purchasing power and public welfare. The author emphasizes the importance of controlling inflation to maintain economic stability, recognizing the government's challenge in striking a balance, as inflation rates that are too low or high can be detrimental. The text also presents insights from Islamic economists, such as Monzer Kahf, who oppose the fallacy of blaming interest rates for inflation, and claim that inflation is related to a surplus of means of payment or a shortage of general supply. The paper concludes by outlining the impact of inflation on economic stability from an Islamic perspective and details strategies to control inflation, involving government policies and individual practices.
THE POTENTIAL OF THE SHARIAH MICRO FINANCE INSTITUTION IN BUILDING THE UMMAT ECONOMY Hendra
Journal of Islamic Studies [Z-ISLAMICA] Vol. 1 No. 1 (2025): Journal of Islamic Studies (Z-ISLAMICA)
Publisher : Az-Zahra Media Society

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Abstract

As for the objective of this research, which is to outline the potential for optimization of LKMS (Shariah Micro Financial Institution) to assist in the building of the economy through the implementation of Shariah finance. Using qualitative descriptive approaches (interactive models) from a variety of previously published material such as articles, books, or journals of past study. The findings of the debate indicate that there is an increase tendency in terms of assets and loans/financing shown by OJK data for the period 2019 to 2023. In light of this, it may be deduced that the presence of LKMS has a considerable impact on the rate at which sustainable economic growth occurs. As a result, the part that Shariah micro-financial institutions played in the development of the economy in Indonesia turned out to be significant and pertinent. LKMS is the best answer for microentrepreneurs in situations in which they do not have access to microfinance from traditional banking institutions.
PRODUCT EXCELLENCE AND SERVICE EFFECTIVENESS AT BSI: KEY TO CUSTOMER LOYALTY OF EASY WADIAH PRODUCTS Supriadi; Ahmad, Nur Isra'
Journal of Islamic Studies [Z-ISLAMICA] Vol. 1 No. 2 (2025): Journal of Islamic Studies (Z-ISLAMICA)
Publisher : Az-Zahra Media Society

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Abstract

This study aims to find and analyze the influence of product excellence and service effectiveness on customer loyalty in easy wadiah savings products at Bank Syariah Indonesia Makassar Branch. This type of research is quantitative, with 34 respondents from Bank Syariah Indonesia Makassar Branch with a sampling technique using probability sampling. The data collection instrument uses a closed questionnaire with a Likert scale. The quantitative analysis uses SPSS (Statistical Product and Service Solution). The results of this study indicate that product excellence and service effectiveness positively and significantly influence customer loyalty in using easy wadiah savings at Bank Syariah Indonesia Makassar Branch. This finding indicates that Bank Syariah Indonesia needs to maintain product excellence and strengthen service effectiveness so that customers remain loyal.

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