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Dinar: Jurnal Ekonomi dan Keuangan Islam
Published by Universitas Trunojoyo Madura
ISSN : 24609889     EISSN : 25803565     DOI : https://doi.org/10.21107/dinar
Core Subject : Religion, Social,
Religion Social Sciences
Dinar adalah jurnal ilmiah yang diterbitkan oleh Jurusan Ekonomi dan Keuangan Islam Universitas Trunojoyo Madura. Terbit pertama kali Agustus 2015. Jurnal ini memfokuskan pada kajian Ekonomi Islam dalam berbagai sudut pandang keilmuan. Redaksi mengundang para ahli dan segenap sivitas akademika untuk menulis artikel sesuai dengan tema besar jurnal ini. Artikel yang dimuat tidak selalu mencerminkan redaksi ataupun institusi lain terkait dengan penerbitan jurnal.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 154 Documents
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The Effect of Income, Product Knowledge, Trust, and Promotion on Public Interest in Using Sharia Pawn Services. Hidayat, Muhammad Shamil; Mansah, Adi
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.30858

Abstract

The growing demand for ethical and interest-free financial services in Indonesia has raised questions regarding the factors that drive public interest in Islamic pawnshops (rahn). Although conventional pawn services remain dominant, previous research has shown inconsistencies in identifying the most influential drivers of customer interest. This study aims to fill that gap by examining the combined effects of income, product knowledge, trust, and promotion on the interest in using sharia-compliant pawn services, specifically in South Jakarta—a region with increasing awareness of Islamic finance.A quantitative method with a causal research design was employed, targeting 130 respondents through purposive sampling. Participants included former users of sharia pawn services, conventional users open to Islamic alternatives, and individuals interested in Islamic pawn offerings. Data collection was conducted using structured questionnaires, and analysis was performed through Structural Equation Modeling (SEM) using SmartPLS.The findings indicate that all independent variables significantly and positively influence customer interest, with the model explaining 80.5% of the variance. Promotion showed the strongest individual impact (p = 0.000), followed by trust (p = 0.008), income (p = 0.014), and product knowledge (p = 0.010). These results underline the importance of targeted promotion, customer trust, income stability, and education on sharia products in enhancing public engagement with Islamic pawn services.
Evaluating the Financial Performance of BMT Al Fithrah After Rebranding as BMT Kedinding: A Case Study on Savings and Funding in Surabaya Toyyibi, Abdul Majid; Hidayat, Imam; Farhan, Shohibatul
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.29364

Abstract

This study analyzes the shift in profitability experienced by BMT Al Fithrah following its transformation into BMT Kedinding in Surabaya after implementing a new strategy in the management of savings and funding. The primary focus of this research is to understand how the institution’s approach to managing savings  and financing has influenced its profitability post-rebranding and strategic realignment. Additionally, this study explores the key factors affecting profitability, including fund management policies and customer relationship practices.The objective of this research is to gain a comprehensive understanding of how changes in saving and funding strategies have impacted the profitability performance of BMT Kedinding. It also seeks to uncover managerial and operational insights that can support the institution’s future growth and financial sustainability. A qualitative case study approach was adopted, with data collected through in-depth interviews with BMT Kedinding’s management and direct observation of operational activities. The data were analyzed thematically to identify recurring patterns associated with improvements in profitability.The findings reveal that the transformation into BMT Kedinding, accompanied by more structured and focused management of savings and funding, has led to significant positive changes in the institution's profitability. This is evidenced by increased profits and the expansion of branches beyond Surabaya. Improved service quality, stronger customer relationships, and more efficient fund management have emerged as critical drivers of revenue growth and financial stability. Consequently, this study concludes that the post-rebranding saving and funding strategies have made a substantial contribution to enhancing the profitability of BMT Kedinding.
Enhancing ZIS Donor Loyalty Through The Role of Trust at Baitul Maal Hidayatullah East Kalimantan Salamun, Imam; Indra, Indra
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.31124

Abstract

This study is motivated by the limited empirical research examining the direct effects of service quality, institutional image, communication, and donation convenience on donor trust and its subsequent impact on loyalty in zakat, infaq, and sadaqah (ZIS) donations. The objective of this research is to analyze the influence of service quality, institutional image, communication, and donation convenience on donor trust, as well as to examine the effect of donor trust on ZIS donation loyalty at Baitul Maal Hidayatullah East Kalimantan. This study employs a quantitative approach using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method. Primary data were collected through closed-ended questionnaires using a 5-point Likert scale distributed to 240 active donors selected through purposive sampling. The findings reveal that service quality and institutional image have a positive and significant effect on donor trust, whereas communication and donation convenience show positive but statistically insignificant effects. Furthermore, donor trust significantly and positively influences ZIS donation loyalty. The study implies that improving service quality and strengthening institutional image are key strategies in building sustainable donor trust and loyalty.
North Sumatra Economic Growth: an Empirical Study of Unemployment and Poverty Panel Data With an Islamic Economic Review (2021-2023 Period) Permatasari, Putri Dwi; Tambunan, Khairina; Harahap, Muhammad Ikhsan
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.33209

Abstract

North Sumatra Province continues to experience economic growth during the 2021–2023 period; however, this growth has not been accompanied by a proportional improvement in social welfare, as indicated by persistently high unemployment and poverty rates across several regencies and cities. Based on secondary data obtained from the Central Bureau of Statistics (BPS) of North Sumatra, these conditions reflect a structural challenge in which economic expansion has not fully translated into productive employment and poverty reduction. This study aims to analyze the influence of unemployment and poverty on economic growth in North Sumatra Province from an Islamic economic perspective.This study employed a quantitative approach with a causal associative design. The data consisted of secondary panel data from 33 regencies/cities in North Sumatra Province during the 2021–2023 period, obtained from the Central Statistics Agency (BPS) and the Financial Services Authority (OJK). Data were analyzed using panel data regression with multiple linear regression techniques, preceded by model selection tests including the Chow test, Hausman test, and Lagrange Multiplier test to determine the most appropriate estimation model. The analysis was conducted using Eviews 13, and the test results indicated that the Common Effect Model (CEM) was the most suitable model for this study.The results show that unemployment has a positive and significant effect on economic growth, while poverty has a negative and significant effect. Simultaneously, both variables significantly influence economic growth with a coefficient of determination of 27.1%. These findings imply that economic growth in North Sumatra has not been fully driven by productive employment, indicating the need for policies that prioritize job quality and labor productivity. Furthermore, poverty alleviation emerges as a key policy instrument to foster inclusive and sustainable economic growth in line with the principles of justice, welfare distribution, and social balance emphasized in Islamic economics.
Examining the Determinants of Consumer Trust in Local Skincare Marketing: Overclaim, Perceived Product Quality, and Influencers Alviansha, Alwi; Tambunan, Khairina; Aslami, Nuri
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.33221

Abstract

The practice of overclaim in the marketing of local skincare products has intensified alongside increased social media promotion and influencer involvement, potentially undermining customer trust. This study analyzes the effects of overclaim, product quality perception, and the role of influencers on customer trust in the marketing of local skincare products. An associative quantitative design was employed in 2025 in Medan, North Sumatra, with a purposive sample of 100 users of local skincare products. Data were collected via a closed-ended questionnaire and analyzed using descriptive statistics, classical assumption tests, and multiple linear regression with SPSS. Results indicate that overclaim exerts a significant negative effect on customer trust, while product quality perception and the role of influencers exert significant positive effects. Simultaneously, the three variables significantly explain variation in customer trust, with the role of influencers emerging as the most dominant predictor. The study’s novelty lies in integrating overclaim, product quality perception, and influencers into a single empirical model within the context of local skincare products affected by viral social media dynamics. Practical implications include the need for producers to reduce overclaim and strengthen empirical evidence of product quality in promotional activities, for regulators to tighten oversight of advertising claims, and for future research to examine mediation or moderation mechanisms such as influencer credibility and consumer characteristics.
The Impact of Macroeconomics on the Performance of the Indonesian Sharia Stock Index: A Comprehensive Analysis Faizi, Faizi; Anggoro, Muhammar Dinda Fahlepi Anggoro
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.26348

Abstract

Unstable fluctuations in the Indonesian Sharia Stock Index (ISSI) are attributed to macroeconomic factors. Previous research has yielded inconsistent results regarding the factors affecting ISSI price changes, primarily focusing on the short to medium-term. This study aims to investigate and evaluate the impact of macroeconomic variables on ISSI prices. The research methodology employed is a descriptive quantitative approach, utilizing secondary data sources. The Error Correction Model (ECM) is used, utilizing quarterly time series data from the 2nd quarter of 2011 to the 4th quarter of 2022. The findings indicate that over an extended period, inflation and gross domestic product are the variables that influence the price of the Indonesian Sharia Stock Index (ISSI). In the short term, only the exchange rate affects the price of ISSI. However, money supply does not have a significant impact on ISSI prices in either the long or short term. The research findings underscore the significant influence of macroeconomic variables on the Indonesian Sharia Stock Index across different time frames. These results offer valuable insights for investors and policymakers by highlighting the complex interplay of factors affecting the stock market. Further analysis of these dynamics can contribute to a more comprehensive understanding of the Indonesian financial market and assist in making well-informed investment decisions. Moreover, exploring the underlying reasons for the observed relationships between macroeconomic variables and ISSI price movements can open opportunities for proactive risk management and strategic investment planning.
Integration of Fintech and Sharia Factoring Based on Maqaṣid al-Shari‘ah for MSME Financing Adriani, Siti Kamiliyah; Mugiyati, Mugiyati
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.33055

Abstract

The limited integration between fintech innovation and Sharia factoring within a comprehensive maqāṣid al-sharī‘ah framework constitutes a significant gap in Islamic finance research. This study aims to develop an integrative normative-conceptual framework that explains how fintech-based invoice financing can strengthen efficiency, transparency, financial inclusion, and Sharia compliance in MSME financing. The research employs a qualitative method using a normative-conceptual approach through library research. The data consist of secondary academic sources, including 35 peer-reviewed journal articles, books, and research reports, as well as 7 institutional documents from OJK, KemenkopUKM, AFPI, and Islamic fintech platforms published between 2018–2025. Data were analyzed using content analysis through reduction, categorization, and critical interpretation based on maqāṣid al-sharī‘ah. The findings indicate that the integration of blockchain, smart contracts, digital escrow systems, and Sharia contractual structures such as wakālah bil ujrah, murābaḥah, and qard ḥasan enhances transparency, risk mitigation, and access to MSME financing. However, regulatory standardization and digital Sharia governance remain limited. The study implies the need for harmonized regulatory frameworks and strengthened digital Sharia supervision to ensure that fintech innovation substantively achieves taḥqīq al-maṣlaḥah within the Islamic financial ecosystem.
The Effect of Promotion Costs, Financing Amount, and Third-Party Funds on Market Share at Pt Bank Syariah Indonesia Afifa, Adinda; Maidalena, Maidalena; Nasution, Juliana
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.33737

Abstract

This study aims to analyze the effect of promotional costs, financing amounts, and third-party funds (DPK) on the market share of PT Bank Syariah Indonesia Tbk (BSI). The study uses a quantitative approach with multiple linear regression methods. The data used are secondary data in the form of BSI's quarterly and annual financial reports obtained from official publications of Bank Syariah Indonesia and the Financial Services Authority (OJK). Data processing and analysis were carried out using IBM SPSS version 25 through classical assumption tests, regression tests, and partial and simultaneous hypothesis tests. The results show that promotional costs have a negative and significant effect on market share, indicating that the increase in the promotional budget has not been followed by optimal marketing strategy effectiveness. The amount of financing has a positive and significant effect on market share, so that financing is the main factor in expanding BSI's market share. Meanwhile, third-party funds (DPK) have a negative and insignificant effect on market share, indicating that the increase in DPK plays a more important role in maintaining liquidity than market expansion. Simultaneously, all three variables have a significant effect on market share with a coefficient of determination of 39.8%. These findings provide important implications for BSI management in formulating promotional strategies and financing optimization to strengthen the market position of Islamic banking.
Integration Analysis Of Islamic Accounting Information System In Payroll And Income Tax Article 21 (Pph 21) Imposition Nurhudiani, Bella; Syafina, Laylan
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 10, No 2: Agustus 2023
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v10i2.29581

Abstract

This study aims to the application of accounting information systems in payroll and the imposition of income tax article 21 (PPh Article 21) at PT. Putra Dumas Lestari.The research method used is descriptive analysis. Data were obtained through interviews, documentation and literature studies.The results of the study indicate that the applied accounting payroll system is in accordance with the theory, consisting of documents, records, functions and network procedures. The accounting payroll system is quite reliable because it has met the elements of internal control, but there are still some weaknesses in the elements of organizational structure, recording procedures and healthy practices. These weaknesses are dual functions, ineffective recording of attendance and lack of supervision in the process of recording attendance. The results of the study also show that the procedure for calculating Article 21 Income Tax is in accordance with tax regulations. Non-taxable income, office costs and tax rates used are also in accordance with tax regulations. However, in terms of calculating gross income, it is not in accordance with tax regulations because it does not add up rounding and tax permits. At PT. Putra Dumas Lestari shows that in the employee payroll calculation system, it is adjusted to the number of absences and employee skills. This is considered less effective if absences are done manually (with employee signatures) and finger scans if a system error occurs. Meanwhile, the imposition of PPh Article 21 on employee salaries has two different systems based on the latest regulations and policies from the government.
THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL SELF-EFFICACY ON FINANCIAL MANAGEMENT BEHAVIOR OF GENERATION Z IN MEDAN CITY Damanik, Farida Syah; Nurwani, Nurwani; Indra, Ahmad Perdana
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.34170

Abstract

This study aims to analyze the influence of financial literacy and financial self-efficacy on financial management behavior among Generation Z in Medan City, both partially and simultaneously. The population in this study was all Generation Z in Medan City. The study used a quantitative approach with data collection techniques through distributing questionnaires. A sample of 100 respondents was selected using an accidental sampling technique. Data analysis was carried out using multiple linear regression through stages of validity, reliability, classical assumptions, t-test, F-test, and coefficient of determination. The results showed that financial literacy and financial self-efficacy have a positive and significant effect on financial management behavior, both partially and simultaneously. These findings indicate that increasing financial literacy and an individual's self-confidence in their ability to manage finances play an important role in shaping better financial behavior in the younger generation.

Page 15 of 16 | Total Record : 154

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