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INDONESIA
IQTISHADIA
Published by Sekolah Tinggi Agama Islam Negeri Kudus
ISSN : 19790724     EISSN : 25023993     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
IQTISHADIA, particularly focuses on the main problems in the development of the sciences of Islamic Business and economics areas. It covers Islamic management, Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic Finance, Zakah, Waqf, Poverty Alleviation, Islamic Public Finance, Monetary Economics, Economic Development, Maqasid al-Shariah, Institutional Economics, Behavioural Economics and Finance, Corporate Governance, Risk Management, Shariah issues, Financial Engineering, Securitization and Sukuk, Islamic Capital Markets, Insurance and Takaful, Regulatory Issues, Corporate Social Responsibility in Islam and other topics which related to this area.
Arjuna Subject : -
Articles 400 Documents
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Subjective Meaning of Strategic Pricing Decision Making based on Islamic Values in the Muslim Business community wahyu junaedi; Adi Prihanisetyo
IQTISHADIA Vol 15, No 1 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i1.11553

Abstract

Fierce competition in business often encourages businesses to act unreasonably in their pricing strategies. Orientation to maximum profit often trumps the ethical values derived from religious teachings. This study aims to find the meaning of strategic pricing decision-making of Muslim businessmen based on their awareness of Islamic values. Islamic values arise from the perception of business people as a reflection of knowledge about Islamic ethics that they understand. The research method used is transcendental phenomenology. The sampling was conducted on five businesspeople members of the Indonesian Islamic Business Forum (IIBF).  This study found that Muslim businessmen Interpret strategic pricing decision-making according to their awareness of Islamic values as a form of justice, namely fairness in pricing based on market segments and based on product value-added. This research will provide knowledge to business people to consider ethics in the strategic policy of price management conducted.
Optimizing Cash Waqf and Cash Waqf Linked Sukuk : The Role of Nazhir and The Strategies Afief El Ashfahany; Novita Lestari
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.16353

Abstract

This study aims to explore the role and strategy of Nazhir in optimizing the management of cash waqf and cash waqf linked Sukuk (CWLS) yields. The method of the study is field research with a qualitative descriptive approach. The data was obtained through an in-depth interview with key persons from the Central Java Muhammadiyah (PWM Central Java) Waqf and Assets Council, the Nahdlatul Ulama Amil Zakat Institute (LAZISNU), and the Baitulmaal Muamalat. The results of this study emphasize the critical role of Nazhir in managing cash waqf and CWLS yield funds to be distributed to Mauquf 'Alaih. The management of cash waqf by the Central Java Muhammadiyah Waqf and Treasurer Council is carried out in the productive business sector, such as rental equipment, farm investment, and integrated farms in Wonolopo Central Java. Meanwhile, apart from effective businesses, LAZISNU and Baitulmaal Muamalat manage Cash Waqf through the CWLS scheme. The cash waqf yields from the three institutions were channeled to the fields of education, economy, and health. Especially for the CWLS scheme, with the great potential that the combination of cash waqf and Sukuk can be more optimally used as an instrument of financing sources to increase the welfare of people in need, especially during the pandemic.
The Value and Performance of Islamic Banking in Indonesia Zulfikar Hasan
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.16508

Abstract

This study aimed to examine the value of Indonesian Islamic banking using secondary quarterly data from quarter I of 2016 to quarter IV of 2021. The data were sourced from Sharia Banking Statistics (SPS) published by the Financial Services Authority (OJK). EViews 8 was then used to analyze economic growth with financing distributed by Islamic banking. Furthermore, the study employed a qualitative method assisted with data from OJK. The findings showed that the value, growth, and development of Islamic banking in Indonesia are better than conventional banking. Also, the profitability ratio of Indonesian Islamic banking is categorized as good. The value of Islamic banking can be analyzed using several components such as growth, risk, returns and capital and cost.
Analysis of The Impact of Covid-19 on Non Performing Finance, Digital Banking and Fintech on The Profitability of Sharia and Conventional Banks With Macro Economy as Moderation Ulin Nuha Synatrya; Nugroho Heri Pramono
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.14876

Abstract

This study was aimed to obtain empirical evidence regarding the influence of Non-performing Financing (NPL and NPF), Digital Banking (internet banking and mobile banking), and Fintech (peer to peer lending) on the profitability of Islamic Banks (Zakat) and Conventional Banks (ROA) with macroeconomic condition (GDP) as a moderating variable. The population in this study included Islamic Commercial Banks and Conventional Commercial Banks registered by Financial Services Authority (Otoritas Jasa Keuangan in Indonesian and it was abbreviated in English as FSA) and the sampling method was purposive sampling. The research data used were financial statements for the 2020 period with a total sample of 13 Islamic Commercial Banks and 45 Conventional Commercial Banks. The method of analysis was MRA which was processed by Eviews 11. The results showed that NPL and digital banking had an effect on the profitability (ROA) of conventional banks. Fintech had no effect on the profitability (ROA) of conventional banks. While the NPF affected the profitability (zakat) of Islamic banks. Digital banking had an effect on the profitability (zakat) of Islamic banks, and fin-tech had no effect on the profitability (zakat) of Islamic banks. Based on the MRA macroeconomic test (GDP it could moderate the effect of NPL on ROA and the effect of NPF on zakat. Meanwhile, macroeconomic (GDP) could not moderate the influence of Digital Banking and fin-tech on ROA and zakat.
Women's Economic Empowerment Through Sharia Micro-Finance Institutions In Indonesia: A Qualitative Research Zuhrinal M Nawawi; Andri Soemitra; Mahfuzah Dalimunthe
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.15902

Abstract

Women's empowerment has become an agenda that has recently been put forward and has become one of the essential agendas in sustainable development. One of the common problems women micro-enterprises face is the difficulty of accessing sources of capital. Islamic microfinance institutions are an alternative that can be utilized by women micro-enterprises in Indonesia to overcome the challenges in accessing business capital. This research uses a qualitative approach to study literature and in-depth interviews. The literature study was conducted by selecting relevant papers by accessing the Google Scholar database using the keywords “women empowerment” AND “Islamic microfinance” OR “Islamic microfinance”. The search time range is limited to the last 5 years, namely 2017 to 2022. The literature search results found 19 relevant papers. 4 sharia microfinance institutions are reported to run women's empowerment programs, namely sharia cooperatives, Baitul Mal Wat Tamwil, Zakat Management Organizations, and Micro Waqf Banks. The results of interviews with 20 lecturers of Islamic Economics strengthen the role of Islamic microfinance institutions in women's empowerment programs in Indonesia.
Integration of the Indonesian Islamic Stock Index: Evidence from Developed and Developing Countries Budiandru Budiandru; Deni Nuryadin
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.14462

Abstract

Globalization is changing the world's economic and financial systems are increasingly integrated. Globalization can also trigger shocks to the Islamic stock market and reduce diversification benefits for investors. This study aims to analyze the integration of the Indonesian Islamic stock index with the Islamic stock index of developed and developing countries. Using a vector error correction model and daily data from 2012 to 2021, which reached 2088, the observations reveal that the Indonesian Islamic stock index is integrated with the Islamic stock index of developed and developing countries. The Indonesian Islamic stock index responded positively and negatively to the developed and developing Islamic stock index. Japan has the most significant contribution in influencing Indonesia's Islamic stock index. Indonesia's Islamic stock index needs to prepare various alternative strategies in dealing with shocks from developed and developing country Islamic stock indexes.
Determinant Factors of Surplus (Deficit) Underwriting in Sharia Life Insurance in Indonesia sa'adah tri hayatun; Ai Nur Bayinah; Mustafa Kamal
IQTISHADIA Vol 15, No 1 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i1.7844

Abstract

This study aims to investigate the determining factors of surplus (deficit) underwriting in sharia life insurance in Indonesia. The factors considered are net contribution, claims, and investment return. The study employed panel data regression, using a sample of 15 sharia life insurance companies, including 12 sharia business units and 3 full sharia companies, over the period of 2015-2018. Analysis of the data suggests that Random Effect Model (REM) is the most appropriate estimation model for this study. Results indicate that net contribution and claim variables have a significant partial effect on surplus (deficit) underwriting, while the investment return does not. The study also found that all of independent variables (net contribution, claim, and investment result) have a significant simultaneous effect on the surplus (deficit) underwriting.
Corporate Governance Model of Islamic Philanthropy at Islamic Hospitals in Ponorogo Luhur Prasetiyo; Unun Roudlotul Jannah; Nurma Fitrianna
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.17309

Abstract

This article aims to analyze the governance of ZISWAF in philanthropic institutions placed in hospitals. Hospitals are health facilities that are often not affordable for the underprivileged. Some cases of displaced patients because they do not have funds to get health services in hospitals often occur. Islamic philanthropy in hospitals is vital to address this issue. This research is qualitative, with the location of three hospitals in Ponorogo, namely RSU 'Aisyiyah, RSU Muhammadiyah, and RSU Muslimat. The informant of this study is the manager of Islamic philanthropy. In addition, data is also collected from recipient patients and donors. The results showed that Islamic philanthropy in the three hospitals was carried out by philanthropic institutions affiliated with community organizations. At 'Aisyiyah and Muhammadiyah Hospital, philanthropy is managed by the Lazismu Service Office. Meanwhile, at Muslimat Hospital, philanthropy is managed by JP-ZIS NU Care. Philanthropic governance in the three hospitals can be divided into two models: integrated Islamic philanthropy institution and external Islamic philanthropy institution.
The Role of Sharia Compliance in Online Shop Applications in Improving Consumers’ Trust Endang Sriani; Nidaul Hasanah; Ubaedul Mustofa
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.13606

Abstract

Muslim business transactions are governed by the principles of Islamic values, specifically Sharia compliance. However, accommodating these values poses a challenge for modern transaction system providers. This is because online shop providers have not been considering Sharia compliance as a crucial aspect to enhance consumer confidence, especially among Muslim consumers. Therefore, this research aims to determine the extent to which sharia conformity of web features and online shop applications influences consumers’ trust in the online shopping platform. It is a quantitative analysis that uses primary data from respondents representing the population. The research population comprises users of online shop applications that apply sharia compliance principles in their web design with sample data of 430 respondents. Furthermore, the data analysis uses linear and multiple regression methods aided by SPSS data analysis tools. The results show a positive and significant influence between sharia compliance, specifically avoiding prohibitions, object & price, buyer & seller, as well as offering & acceptance in websites design or online shop applications on consumers’ trust both partially and simultaneously. The partial influence of each sharia compliance variable is avoidance of main prohibitions, object & price, buyer & seller, as well as offer & acceptance by 60.6%, 62.6%, 69.3%, and 57.2%, respectively. Meanwhile, the simultaneous influence of sharia compliance variables on consumers’ trust is 79.4%, and other variables influence the remaining 20.6%. These results suggest that online shop consumers, specifically Muslims, make sharia values an essential criterion for selecting and using online shops. The theoretical contribution is to build and strengthen the concept and theory of sharia compliance to construct consumer trust. Concerning the practical contribution, the results could be the basis of consideration for online shop service providers to increase consumers’ trust by providing services in line with sharia compliance principles. Further research could explore additional variables that affect consumers’ confidence in using online shop platforms.
Islamic Organizational Citizenship Behavior among Millennial Workers: The Role of Islamic Leadership, Workplace Spirituality, and Islamic Work Ethic In Central Java, Indonesia Wahibur Rokhman
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.19803

Abstract

The objective of this study examined the influence of islamic leadership and workplace spirituality on organizational citizenship behavior among the millennial generation muslim employees in Central Java, Indonesia. Furthermore, the research also examined the role of islamic work ethic on organizational citizenship behavior. The questionnaires were distributed to Muslim millennial employees in Central Java in order to conduct a survey. For this study, a sample of 500 respondents was purposefully chosen, and 435 of those responses were returned and used. The variables and items were assessed using a five-point Likert scale. The data were further analyzed with multiple regression analysis.  The results indicate that there is a significant positive effect of spiritual leadership and Islamic work ethic on organizational citizenship behavior. However, the study also found workplace spirituality does not influence organizational citizenship behavior. This study provides an understanding of the work behavior of the muslim millennial generation.  This study will provide good insight for the organization to understand the role of Islamic leadership, workplace spirituality, and Islamic work ethic on organizational citizenship behavior among the millennial generation muslim employees in Central Java, Indonesia.

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