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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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Bibliometric Analysis of Risk Management in Islamic Microfinance Firmansyah, Irman; Prayudya, Daffa Rizqi
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i1.2295

Abstract

Research on risk management in Islamic microfinance remains relatively underdeveloped despite the sector’s growing strategic importance in supporting financial inclusion, poverty alleviation, and Shariah-compliant economic empowerment. This study employs a comprehensive bibliometric analysis to map the intellectual structure, thematic evolution, and global collaboration patterns of research on risk management within Islamic microfinance from 2000 to 2025. Using Scopus-indexed data and Biblioshiny, the analysis examines publication trends, co-citation networks, keyword co-occurrence, thematic mapping, and country collaborations. The findings indicate that the literature is still in an early conceptual phase, dominated by foundational discussions on Islamic finance stability rather than specific risk-related issues at the micro level. Co-citation networks reveal reliance on classic works, while thematic maps show an absence of well-developed motor themes on risk management. Collaboration patterns are concentrated in a few countries such as Indonesia, Malaysia, and the United Kingdom, with limited contributions from regions traditionally central to Islamic finance. These results highlight a significant research gap between the increasing complexity of risks faced by Islamic microfinance institutions—such as credit risk, operational risk, and Shariah compliance risk—and the limited academic attention devoted to developing robust, context-specific risk management frameworks. This study provides critical insights that can guide future research agendas, especially on digital risk mitigation, Shariah governance frameworks, comparative risk modeling, and the integration of emerging technologies such as artificial intelligence. The findings contribute to strengthening the epistemic foundation of Islamic microfinance and supporting its long-term sustainability in a rapidly evolving financial landscape.
Strategic Implementation of Sharia Cooperative in Islamic Senior High Schools Ashuri, Bahruddin; Hendri, Zul; Ishak, Khodijah
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i1.2297

Abstract

Sharia cooperatives in educational institutions represent an important instrument for strengthening economic empowerment, financial literacy, and Islamic ethical values among students. This study aims to analyze the strategic implementation of a sharia cooperative at Madrasah Aliyah Negeri (MAN) 1 Bengkalis by examining managerial preparation, institutional governance, sharia compliance, and operational practices. Using a qualitative descriptive approach, this research collected data through interviews, observations, and document analysis. The findings reveal that the implementation strategy includes establishing a strong institutional structure, applying sharia-based contracts such as murabahah and mudharabah, enhancing financial literacy programs, and developing member-oriented services. However, challenges remain, including limited human resource competence, low understanding of sharia contracts, and the absence of structured sharia supervision. The study recommends strengthening governance, integrating sharia cooperative education into the school curriculum, expanding digital service innovations, and involving a Sharia Supervisory Board (DPS). The results contribute to the literature on Islamic microfinance within educational settings and offer practical guidance for strengthening school-based sharia cooperatives.
Optimizing Halal and Islamic Legal Literacy for MSMEs: Strategies to Enhance the Adoption of Sharia Products in Indonesia Amrin, Amrin; Yono, Yono; Zakaria, Zakaria; Vustany, Rovi Octaviano; Agus, Rizal
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i1.2315

Abstract

This study aims to explore and develop an effective halal literacy strategy for MSMEs in Indonesia, with a focus on increasing the adoption of Islamic financial products. This study also evaluates the success of various implemented halal literacy education and training programs, including their compliance with Islamic legal regulations and national Sharia governance. The research methodology employed a qualitative approach, collecting data through observations and interviews with various MSMEs in Bima City, West Nusa Tenggara. Data analysis was conducted using a SWOT approach. The research findings indicate that a comprehensive halal literacy strategy should include the provision of easy-to-understand educational materials, ongoing training, and awareness-raising through mass media campaigns, supported by strengthening MSMEs' understanding of Islamic legal obligations, halal certification requirements, and Islamic financial regulations. The results of this study emphasize the importance of an integrated approach to improving MSMEs' understanding of Islamic financial products, their legal basis, and the benefits they offer. With increased halal literacy, including Islamic legal literacy, MSMEs can utilize Islamic financial products to support sustainable business growth in accordance with Islamic principles and applicable Islamic financial laws. This study also provides practical recommendations for policymakers, financial institutions, and MSME support organizations to facilitate increased halal literacy, strengthen legal awareness, and expand MSME access to Islamic financial products in Indonesia.
Efficiency Analysis of Zakat Distribution on Interprovincial Human Development Index In Digital Era Arsyi, Muhammad; Akbar, Nashr
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i2.2318

Abstract

This study aims to evaluate and analyze the efficiency of zakat distribution per province in Indonesia from 2020 to 2023 towards the achievement of the Human Development Index (HDI). The variables used in this research are zakat distribution on sectors (Education, Health and Economy) as input variable and HDI indicator as output variable. In addition, the determinants of efficiency are also further analyzed to find factors that can be optimized to improve the level of efficiency. This research uses Data Envelopment Analysis (DEA) Bootstrapping to measure the relative efficiency of zakat distribution per province In Indonesia, this research investigates how effective zakat is in improving human development outcomes in Indonesia The findings are expected to identify high and low performing provinces in zakat management, as well as provide insights and policy recommendations to improve zakat distribution strategies and optimize its socio economic impact, especially in the context of poverty alleviation and regional development in Indonesia.
Development Strategy for Cash Waqf Linked Deposit (CWLD) For Higher Education Institutions in Bengkalis Khalid, Ilham; Ishak, Khodijah; Hendri, Zul
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i2.2319

Abstract

This study aims to formulate a strategy for developing Cash Waqf Linked Deposit (CWLD) in Universities in Bengkalis Regency using the Analytic Network Process (ANP) method. Based on the analysis conducted, it was found that the most priority problems are in the Nazhir aspect, especially the lack of socialization, professionalism, and certification of Nazhir. While in the Waqif aspect, the main priority is the low knowledge and awareness of prospective waqifs regarding CWLD products and the low level of trust. The prioritized solution to overcome these problems also focuses on strengthening the role of Nazhir through routine socialization, training, education, and legal assistance and supervision. On the other hand, financial literacy and waqf to Waqif are the main solutions on the community side. The most priority development strategy in the university environment is to strengthen collaboration between institutions, Nazhir training and certification, and increase CWLD literacy by Islamic financial institutions, accompanied by efforts to socialize products and increase transparency and accountability of management. This study provides an important contribution to the development of a strategic framework that can strengthen the CWLD ecosystem in the higher education environment, especially in Bengkalis Regency.
Public Comprehension on Online Loan Usage (Pinjol): The Effect of Advertisement, Islamic Financial Literacy, And Lifestyle Nabila, Syifa; Nuriyah, Aminah; Suryomurti, Wiku
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i2.2320

Abstract

This study aims to analyze the influence of online loan advertisement, Islamic financial literacy, and lifestyle on public’s comprehension and decision in online loan making. This research uses a quantitative approach with Muslim consumers in the Greater Jakarta (Jabodetabek) area as the target population. Data were collected through a questionnaire distributed via Google Form, involving 195 respondents. The data were analyzed using Structural Equation Modeling–Partial Least Square (SEM–PLS). The results show that online loan advertisement (X1) and lifestyle (X3) have a significant and positive influence on public decision in making online loans. However, Islamic financial literacy (X2) does not have significant influence on public decision in making online loans.
Analysis of The Labor Wage System Outsourcing Based on Islamic Economic Principles (Case Study Pt Dimas Perkasa Putra) Lestari, Ira; Hamdani, Ikhwan; Hakiem, Hilman
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i2.2321

Abstract

This research aims to describe the labor wage system outsourcing based on an Islamic economic perspective. Furthermore, this research aims to analyze the labor wage system outsourcing at PT Dimas Perkasa Putra based on an Islamic Economics perspective. This research uses a qualitative descriptive approach by selecting secondary and primary data sourced from PT Dimas Perkasa Putra. The results of this research show that wages in Islam are called ijarah which is a transaction contract for the right to use certain goods or services as well as proportional payment of wages. In general, the wage system at PT. Dimas Perkasa Putra is in accordance with the Islamic economic perspective, where Islamic values are contained in the wage system at PT Dimas Perkasa Putra, namely aspects of feasibility and fairness, including being reviewed from the work agreement. In implementing the work agreement, PT Dimas Perkasa Putra has provided clarity for its workforce, especially regarding wages. The company emphasizes the suitability of the current wages for the workforce at PT Dimas Perkasa Putra to improve the quality of the company and the welfare of the workforce.
Sukuk Innovation and Blockchain Integration: Sustainable Social, Economic and Environmental Based Financing Febrianto, M. Nanang; Asshidqi, Ahmad Fauzi; Adlan, Muhamad Aqim
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i2.2322

Abstract

Sukuk issuance encourages development and increases Muslim preferences in investing and addresses the challenges of the sharia-based financing gap. The purpose of this study is to explore sukuk innovation and blockchain integration to support social, economic, and environmental-based financing implemented in Islamic countries. Literature studies were conducted by tracing previous studies, such as national and international indexed articles, reports from institutions, and books relevant to sukuk. The results obtained, the difference between sukuk and bonds refers to sukuk as proof of ownership of assets (underlaying) and is based on sharia principles. Environmental-based financing innovation supports renewable energy, climate mitigation, technological innovation using green sukuk financing, blue sukuk, and sustainable sukuk. As well as sukuk Ihsan, sukuk peduli, and sukuk waqf as social and economic based financing in poverty alleviation, inequality, and public infrastructure development. The development of financial technology and blockchain supports sukuk transformation through smart sukuk, increasing transparency, accountability, and efficiency of procedures and costs has been implemented by Blossom Finance Indonesia, Finterra Malaysia, and Wethaq Dubai.
Reconstructing the Role of The State in Islamic Economics Based On Maqashid Al-Shariah: A Critical Analysis Of Indonesia’s Economic Policies Khatimah, Husnul; Rudiyanto, Rudiyanto
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i2.2325

Abstract

The role of the state in Islamic economics extends beyond market regulation and macroeconomic stability. From the perspective of maqasid al-shariah, the state bears a normative responsibility to ensure distributive justice, social welfare, and sustainable development. However, economic policies in many Muslim-majority countries, including Indonesia, remain largely influenced by conventional paradigms that prioritize growth and efficiency over substantive welfare outcomes. This study critically examines the gap between the ideal role of the state in Islamic economics and its implementation in Indonesia’s economic policies. Employing a qualitative library research approach, this study analyzes classical and contemporary Islamic economic literature, recent reputable journal articles, and relevant policy documents. The analysis is grounded in maqasid al-shariah, encompassing the protection of religion, life, intellect, progeny, and wealth, which are used as evaluative criteria for public policy. The findings indicate that although Indonesia has institutionalized various Islamic economic instruments—such as zakat management, waqf development, and the halal industry—these initiatives remain fragmented and largely formalistic. Maqasid al-shariah has not been fully integrated as a comprehensive framework for evaluating policy outcomes, resulting in persistent challenges such as inequality, structural poverty, and environmental degradation. This study contributes theoretically by repositioning maqasid al-shariah as a policy evaluation framework rather than merely a normative or ethical reference. Practically, it suggests that integrating maqasid-based principles into fiscal policy, market regulation, social protection, education, and sustainable development can enhance the role of the state in achieving holistic welfare in Indonesia.
Investigating Ṣiddiq’s Mediating Effect on Enhancing Quality of Local Ready-To-Eat Culinary Products Herwin, Herwin; Razak, Syaparuddin; Fahrika, A. Ika
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i2.2326

Abstract

This study aims to examine the role of Ṣiddīq (honesty) in strengthening local product development through the implementation of Islamic business ethics. Specifically, it analyzes the influence of Islamic Value Commitment, Product Information Transparency, and Business Social Responsibility on the development of local ready-to-eat food products, both directly and through the mediating role of Ṣiddīq. This research employs a quantitative explanatory method using a survey of local culinary entrepreneurs. Data were collected through structured questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings indicate that Islamic Value Commitment, Product Information Transparency, and Business Social Responsibility play an important role in fostering Ṣiddīq among business actors. Furthermore, Ṣiddīq mediates ethical values and transparency, leading to improved product quality, enhanced consumer trust, and increased competitiveness of local products, thereby supporting sustainable local product development.

Page 18 of 19 | Total Record : 183

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