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Al-Infaq : Jurnal Ekonomi Islam
Published by Universitas Ibn Khaldun Bogor
ISSN : 20872178     EISSN : 25796453     DOI : https://doi.org/10.32832/alinfaq
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education Mathematics
Al-Infaq : Jurnal Ekonomi Islam published twice a year since 2010 (June and December), is a multilingual (Bahasa and English), peer-reviewed journal, and specializes in Islamic Economic. This journal is published by the Islamic Economic Department, Faculty of Islamic Studies, and Doctoral Program of Islamic Economic, Graduate School, Ibn Khaldun University of Bogor, in partnership with Ibn Khaldun University of Bogor, Indonesia, in partnership with Masyarakat Ekonomi Syariah (MES) Wilayah Bogor. Editors welcome scholars, researchers and practitioners of Islamic Economic around the world to submit scholarly articles to be published through this journal. All articles will be reviewed by experts before accepted for publication. Each author is solely responsible for the content of published articles.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 183 Documents
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THE EXISTENCE OF MAQASHID SYARIAH PRINCIPLES ON FINTECH ISLAMIC SECURITIES CROWDFUNDING (I-SCF) Ocktavia, Annisa Kartika; Al-Ayubi, Solahudin; Herman, Sebastian
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2147

Abstract

This research aims to analyze Islamic Securities Crowdfunding (I-SCF) at PT Shafiq Digital Indonesia (SHAFIQ) with Maqashid Syariah approach. Methodology Thisresearch uses a qualitative descriptive research method to examine the application of maqosid sharia principles at PT Shafiq Digital Indonesia. This research utilizes literature study with Maqashid Syariah perspective as the main reference. The results showed that PT Shafiq Digital Indonesia has applied maqosid sharia principles in the development of ISCF fintech. It can be seen from the various contracts contained in PT Shafiq Digital Indonesia's transactions. The limitations of this research are limited to the I-SCF of PT Shafiq Digital Indonesia. So that further research can conduct further research on I-SCF in other companies and even countries for comparison purposes. This research also only analyzes several contracts in PT. Shafiq Digital Indonesia transactions so that future research can use other contracts in accordance with the development of the SHAFIQ platform. This research is important so that Muslims can keep up with the flow of technological developments and fintech financial institutions in accordance with the maqashid sharia corridor. Maqashid sharia study on I-SCF shows that practically I-SCF is a financial instrument that can encourage economic growth and community welfare.
GENERATION Z’S INTEREST IN USING SHARIA DIGITAL BANKS AS A FINANCIAL SERVICE IN THE ERA OF DISRUPTION Muharromah, Gabriele Lailatul; Mustofa, Mustofa; Rahmawati, Lilik
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2148

Abstract

The banking industry is presently undergoing innovation by integrating cutting-edge technology to establish digital banks. A digital bank conducts its operations exclusively online through an application and typically has a central office. In Indonesia, there is a growing popularity of digital banks, with a noticeable emergence of Sharia-based digital banks. However, the progress of Islamic digital banks is comparatively slower when compared to non-Sharia counterparts. Capitalizing on the familiarity of Gen Z with technology, this study aims to explore how the variables of convenience, security, and religiosity individually and collectively influence the inclination of Generation Z in Surabaya to use Islamic digital banks. The research adopts a quantitative approach, specifically causal research, and collects data through online questionnaires distributed via Google Forms. With a sample size of 170 respondents selected through purposive sampling, the study employs SmartPLS 3 software for data processing and analysis. Findings indicate that the convenience variable positively and significantlyimpacts the interest in using Islamic digital banks, while the security variable also exerts a positive and significant influence. However, the religiosity variable does not show a significant effect on the interest in using Islamic digital banks. When considered together, convenience, security, and religiosity collectively influence the interest in using Islamic digital banks.
SHARIAH BANKING DYNAMICS: FINANCIAL PERFORMANCE AND STABILITY AMID MIDDLE EAST CONFLICT Putri, Laurina Trisnaning; Sudarmawan, arianto Nurasri
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2150

Abstract

Financial system resilience is crucial in maintaining a country's economic stability, and the role of the banking industry, particularly Islamic banks in the Middle East, is a key element in this context. Healthy bank conditions and efficient intermediation operations are vital indicators in determining the level of stability. This study aims to explore the influence of financial performance on the stability of Islamic banks in times of conflict, particularly in the period 2013-2022 in the region. Using quantitative method, this study adopts panel data regression test through Eviews 12 software, with Z-score as the stability measurement tool. Secondary data taken from state financial reports and several public sources form the basis of the analysis, with sample selection using purposive sampling techniques covering 13 countries in the Middle East. The results show that financial performance variables, such as NPF and NPM, have a negative influence on bank stability. In contrast, CAR and ROA variables show a positive influence on bank stability, while CIR and FDR variables have no significant influence on bank stability. The results of this study can serve as a basis for financial supervisory authorities and Islamic banking regulators in the Middle East to consider improvements in managing financial conflict risk. The research also highlights the importance of policy implementation to improve asset quality, risk management, and operational efficiency to strengthen the resilience of Islamic banks in times of conflict.
ANALYSIS COMPARATIVE OF ISLAMIC BANKING HEALTH LEVELS IN ASIA USING RGEC METHOD Wijaya, Ahmad Mada; Wardana, Guntur Kusuma
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2151

Abstract

This research aims to compare the health levels of Sharia banks in Asia over the period 2017-2022 using the RGEC method, considering the factors of Risk Profile, Good Corporate Governance, Earnings, and Capital. Financial ratios used to assess bank health include risk profile using 2 ratios namely NPF and FDR, GCG factor using selfassessment, Earnings using 4 ratios namely ROA, ROE, BOPO, and capital factors including the CAR ratio. The type of research used is quantitative descriptive research. The data obtained are secondary data in the form of annual financial reports of the companies. The research results show significant differences in the health of Sharia banks in Asia measured using the RGEC method. Sharia Banks categorized as "Very Healthy" are Al Rajhi Bank, Dubai Islamic Bank, Qatar Islamic Bank, Maybank Islamic Berhad, and Ziraat Katilim Bankansi. While Sharia banks categorized as "Healthy" are Boubyan Islamic Bank, Bank Pasargad Iran, Al Salam Islamic Bank, and Islamic Bank Limited. Then the Sharia banking categorized as "Fairly Healthy" is Bank Muamalat Indonesia.
UNVEILING TRENDS: HALAL MEDICINE CHOICES AMONG STUDENTS IN GREATER JAKARTA (JABODETABEK) Wati, Meilina; Priantina, Anita
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2152

Abstract

Over the counter and restricted over-the-counter medications are commonly used by students because they are easily accessible and can be purchased when feeling unwell. The aim of this study is to understand the purchasing behaviour of over the counter and restricted over-the-counter medicines labelled as halal among students in the Jabodetabek region. This study examines the influence of the theory of planned behaviour (TPB), which includes behavioural control, subjective norms and attitudes, on the purchasing behaviour of halal labelled medicines. The research results show that behavioural control and subjective norms significantly influence the purchasing behaviour of halal medicines among students in the Jabodetabek region. However, contrary to initial expectations, no significant influence of the attitudinal variable was found on halal medicine purchasing behaviour among students in the Jabodetabek region.
THE STRATEGY FOR OPTIMIZING THE COLLECTION OF TRADE ZAKAT IN BANJAR CITY Munandar, Eris; Nopianti, Nila; Amirullah, Mulia; Ubaydillah, Muhammad Farhan
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2153

Abstract

This research highlights the constraints, solutions, and strategies for optimizing the collection of trade-based zakat in Kota Banjar through the Analytic Network Process (ANP) approach. The research methodology employs ANP as the primary method, which involves identifying criteria and alternatives, constructing a hierarchy through pairwise assessments, calculating global priorities, sensitivity analysis, and interpreting results. Seven contributors participated in the study, consisting of three trade practitioners (Baznas Kota Banjar, Lazismu Kota Banjar, and LAZ Persis Kota Banjar), two experts from zakat observers (MES Kota Banjar, and an academic from STEI Ar-Risalah Ciamis), and two entrepreneurs in Kota Banjar. The study's findings identify priority issues such as trader attitudes, the governance of Zakat Management Organizations (OPZ), and the awareness level of muzak. Crucial steps include improving trader attitudes, OPZ governance, and muzakki awareness. The use of ANP as an analytical approach clarifies the hierarchy of issues and facilitates more targeted decision-making for OPZ in Kota Banjar. The research elaborates on the findings related to eight priority strategies: socialization and education, evaluation and monitoring, ease of paying zakat,involvement of influential figures, regulations, transparency and accountability, program benefits, and recognition or rewards. The implications of this study encourage OPZ in Kota Banjar to enhance socialization through social media and collaboration with community figures, improve governance through regular audits, develop digital zakat payment options, and maintain conventional payment methods.
EXPLORING POTENTIAL AND INNOVATIVE STRATEGIES FROM ZIS FUND COLLECTION AT THE NATIONAL AMIL ZAKAH AGENCY IN SIAK DISCTRICT Ilham, Arifin Muhammad; Ismail, Nurizal; Al-Ayubi, Solahuddin
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2154

Abstract

The purpose of this research is to analyze the potential of zakah, infaq, and sadaqah (ZIS) in the Siak Regency area, and the innovative strategies carried out by BAZNAS Siak Regency in an effort to raise ZIS funds in the Siak Regency area. Triangulation qualitative methods are employed in this research. The findings show that zakah's potential in Siak Regency will be between Rp1,415,149.7075 billion and Rp2,434,057.4969 billion by 2022. In addition, the collection of zakah through BAZNAS Siak Regency is considered quite significant, with a potential range between 0.86% to 1.49% and an average of 1.25% based on the opinion of 2.5% of GRDP. However, if using the assumption of 4.3% of GDP, it ranges from 0.50% to 0.87% with an average of 0.73%. Even though there was a slight increase in zakah collections in Siak Regency in 2023, it ended up at Rp22,524,942,009. However, the GRDP data for Siak Regency in 2023 is not yet known, so the percentage ofachievement cannot be identifiedBAZNAS Siak Regency saw a positive increase in ZIS collection. ZIS collection experienced a significant increase from 2016 amounting to Rp9,908,684,571 until 2023 when it reached Rp25,046,486,280. BAZNAS Siak Regency uses a variety of innovative strategies to raise ZIS funds. This strategy includes the implementation of programs such as GEMAR Siak Berzakah, Establishment of New UPZ, SIKAH Program, Muzakki Services, Partnership Program (CSR/DSKL), and Zakah Campaign.
ECONOMIC EMPOWERMENT OF PESANTREN AND ITS IMPACT ON COMMUNITY WELFARE IN RAJAPOLAH, TASIKMALAYA: A CIBEST MODEL APPROACH Milah, Joharul; Nasrulloh, Agus Ahmad; Friantoro, Dian
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2155

Abstract

This study aims to determine the impact of economic empowerment program of islamic boarding school or pesantren through the procurement of the Laundry business unit of Pesantren Darussalam in Rajapolah Tasikmalaya by measuring community welfare after participating in the the Pesantren economic empowerment program. The research method used is descriptive quantitative using the CIBEST Model which measures the level of material and spiritual welfare of the community. The data collection technique in this study used a questionnaire with a sample size of 39 people who had participated in the DN Laundry business unit program. The results showed that the economic empowerment of Pesantren Darussalam Rajapolah Tasikmalaya through the DN Laundry business unit program can increase community income and spirituality. This shows that the DN Laundry business unit program is the right empowerment program to have a positive impact on improving community welfare.
ZAMZAM MART MINI MARKET BUSINESS STRATEGIES WITH CUSTOMER SURVEY AND BMC ANALYSIS Ahmad, Zahid; Sutopo, Sutopo; Solehudin, Tohir
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2156

Abstract

A mini market is a small store that sells various goods and food, similar to a supermarket but on a smaller scale. The presence of Zamzam Mart as a mini market run by selfemployed entrepreneurs in the Ciampea Udik region of Bogor is crucial and provides convenience for rural residents who are not accustomed to online shopping. However, the competition with franchise businesses is intense. The research aims to develop strategies to enhance Zamzam Mart's competitiveness through customer surveys. The research method involves creating a survey questionnaire with 7 questions rated on a 5-point scale, conducting surveys and data analysis, with the respondents being local consumers. The Business Model Canvas (BMC) is then analyzed. The response rate was 71% (71 out of100 questionnaires). The respondents included children (7%), adolescents (34%), young adults (14%), male adults (11%), and female adults (34%), with the highest frequency of visits being twice a week (48.3%). The survey results revealed that 47.8% of respondents rated the product prices as "good," while 39.4% rated the product variety as "good." Additionally, 45% were satisfied with the variety of goods, 49.2% with the service, and 40.8% rated the hygiene as "very good." Products that were not available but needed by consumers included items for specific uses such as baby products, cosmetics, and office supplies, with 47.9% of respondents expressing the need for these product categories to be stocked. The BMC analysis identified the need to improve relationships with suppliers,customers, and major activities.
MSME ECONOMIC EMPOWERMENT THROUGH COMMUNITYBASED SHARIA MICROFINANCE PROGRAM IN DT PEDULI BOGOR Pertiwi, Putri; Nawawi, M. Kholil; Triwoelandari, Retno
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2157

Abstract

This study purpose to determine the Economic Empowerment of Micro, Small and Medium Enterprises (MSMEs) through the ProgramMicrofinance Community-Based Sharia (Misykat) at Daarut Tauhid Cares Bogor. This Economic Empowerment can be seen from the results of interviews with Misykat members. This study uses a phenomenological qualitative descriptive method. Data collection in this study used observation, interviews, and documentation with DT Peduli Bogor and Misykat members. The number of respondents in this study were 15 respondents. The data analysis method used is interactive descriptive. The result of this research is that DT Peduli Bogor carries out economic empowerment through the Misykat program to improve people's welfare. Forms of empowerment efforts carried out for members by providing revolving fund assistance in the form of capital loans and mentoring every week.

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