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INDONESIA
Ikonomika : Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Islam Negeri Raden Intan Lampung
ISSN : 25273434     EISSN : 25275143     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
IKONOMIKA: focused on primary studies: Islamic management, Islamic finance, Islamic Accounting, Islamic banks, and halal markets, has initiated the development of global economic advantages. Islamic based economics could not be seen as independent variable standing on side-by-side with conventional economic system. Ikonomika Journal of Islamic Economics and Business is dedicated to provide an intellectual space of scholarly discussion how the Islamic economics able to create the new global formation of Islamic economics, business and similar issues.
Arjuna Subject : -
Articles 8 Documents
 1 
Search results for , issue "Vol 8, No 2 (2023)" : 8 Documents clear
The Sharia Fintech Product on Bank Performance during COVID-19 Pandemic Laksana, Rio Dhani; Shaferi, Intan; Aydogmus, Ilkay
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v8i2.16521

Abstract

Throughout the COVID-19 epidemic, the Fintech sector has continued to increase access to financial services, especially in developing nations. This study aims to look at how Indonesian Sharia banks' performance is affected by Sharia fintech products (FTPs). Sharia fintech products are a combination of financial and technological innovations that can facilitate customers' transactions and investment processes based on rules and Islamic law so that customers intend to use the Sharia fintech products and then perform well in the bank. This study used 250 Sharia bank customers given self-designed questionnaires as part of our data collection. This study looked at the fictitious relationship, and the results reveal that FTPs have a considerable impact on bank performance, as indicated by the path coefficient and t-value using correlation regression analysis. The study's findings perspectives on how convenient Sharia fintech products (FTPs) are for users. Clients are more receptive to FTPs when they see their use and simplicity in everyday tasks and work. The study's conclusions show that bank performance is positively and significantly impacted by Sharia fintech products of financial transaction platforms (FTPs). Also, the COVID-19 epidemic hastened changes in how people engage with financial services, leading to a hitherto unheard-of demand from poor countries to accelerate their transition to open and safe digital money.
Potential Analysis of Zakat in Sharia Banking For Alleviating Poverty Anwar, Deky; Juniawati, Mutmainah; Muwazir, Mohd Rizal
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i2.16554

Abstract

Zakat collection is considered as one of the economic instruments in Indonesia, particularly for the Muslim community, aimed at alleviating poverty. It is well-known that Indonesia has the largest Muslim population in the world, thus the potential of zakat for poverty alleviation in the country is significant. This research aims to analyze the extent of zakat potential in Islamic banking in Indonesia for poverty alleviation. The research utilizes a qualitative descriptive method with content analysis as the data analysis technique. Secondary data, specifically the annual reports of Islamic Commercial Banks (ICBs) from 2019 to 2021, serve as the documents for this study. The findings indicate that the potential of zakat in Islamic banking remains small compared to the potential that should exist in Indonesia. Therefore, it is advisable for the government to implement policies that focus on improving both the collection and management of zakat, involving both the public and the Islamic banking sector.
Examining Islamic Spiritual Motives on Online Transportation Business: The Case of Millennial Generation Mochlasin, Mochlasin; Puspita, Rosana Eri; Abdul Hamid, Nor 'Adha Binti
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v8i2.16840

Abstract

The transportation sector has contributed significantly to economic activities, especially after the development of digital technology. In the online transportation business, customer satisfaction is determined not only by the functional benefit factor but also by another role often overlooked by actors, namely emotional benefits in the form of spiritual motives. This research aims to analyze the influence of customer value on millennial customer satisfaction and the role of spiritual motives in the influence of customer value on millennial customer satisfaction. This study uses a quantitative approach with a population of all millennial customers on Go-Jek online transportation. Sampling used the convenience sampling method involving 250 millennial customers who live in the Special Province of Yogyakarta, Indonesia. The analysis used in this study is an analysis of variance to test the proposed hypothesis. The results showed that customer value affects customer satisfaction. In addition, the spiritual motive variable strengthens the influence of the customer value variable on customer satisfaction. The study's results recommend that to maintain customer loyalty, one should consider the factors that cause customer satisfaction: technology acceptance, trust, lifestyle, service ethics, and spiritual motives. 
The Influence of Knowledge of Zakat, Income Level and Trust in Muzakki's Interest in Paying Zakat on Agricultural Products through Baznas Kampar Regency Sastraningsih, Ellyan; Wahyuningsih, Eny; Ahmad, Rahayati
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v8i2.16976

Abstract

The reason for this thought is to find out the effect of zakat information, payment rate, and confidence on the interest of muzakki to pay zakat assets to Baznas Kampar Regency. This research was conducted in Kampar Regency. To analyze collected data, the SPSS application was utilized. A total of 98 primary data collected using a questionnaire with the Slovin sampling method. Respondents in this study were Muzakki who were affiliated with BAZNAS Kampar Regency. According to the study, knowledge about zakat has a significant impact on their willingness to pay zakat, income level has a significant impact on their willingness to pay zakat, and trust has a positive impact on their willingness to pay agricultural zakat.
Fiqih Economic in Virtual Currency Implementation Effendi, Kharisya Ayu; Latif, Sahraman D Hadji
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i2.17697

Abstract

Digital transactions are becoming very popular in the Islamic economic and financial industry. Therefore, it is very important to understand the provisions of economic fiqh so that Sharia principles are always actual and relevant to business changes and the demands of the times. This study aims to investigate fiqh in economic transactions using blockchain and metaverse technology. More in-depth research uses a case study design using qualitative methods that focus on implementing smart contracts and virtual currency in terms of economic fiqh studies. The findings reveal that the use of smart contracts and virtual currency is found to be able to replace the role of intermediaries in economic transactions. Thus eliminating the risk of fraud and cheating. Smart contracts can help ensure compliance with sharia and the use of virtual currency has an impact on economic fiqh, especially related to the legitimacy and halal use of the virtual currency itself. The expected implication is that to minimize risks and maximize benefits for the benefit of the people, the use of blockchain and metaverse technology in economic transactions requires further research and development efforts, as well as increasing public understanding of this technology from the perspective of economic fiqh.
The Analysis of Capacity Utilization Production as a Basis for Review Corporate Strategy According Islamic Economics Asyik, Noor; Subroto, Athor; Izni Shafie, Dalili
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v8i2.20011

Abstract

Capacity utilization is important in manufacturing strategies, especially in make-to-order manufacturing strategies. It is used to measure the best production achievements. The parameters for achieving the best production can be measured by reaching the break-even point, namely the point at which the costs are equal to income. In 2022 the capacity utilization production of PT XYZ which is a precast concrete industrial corporation in Indonesia is 73.40% and under the break-even point. Achieving utilization above the break-even point is a competitive advantage for the corporation. This research was conducted to examine the company's current strategy to provide suggestions for formulating corporate management strategies according to Islamic economics with the analysis of capacity utilization production. Meanwhile, the research sample was conducted and analyzed from 2015 to 2026. The method used in this research is quantitative descriptive research, analysis using different statistical tests to analyze capacity utilization, and qualitative descriptive analysis methods to observe corporate strategy. The analysis found that the capacity utilization level in 2016 and 2017 and the prognosis for 2023 exceeded the break-even point. However, from 2024 to 2026, the results of the capacity utilization level will be below the break-even point. So, it is necessary to consider strategy formulation to avoid losses. Some of the suggestions for formulating corporate strategies result are diversification of business unit strategies into the construction sector, corporate synergy, partnerships with strategic partners, and market penetration according to Islamic economics.
The Optimum Portfolio of Sharia Stocks in Indonesia Waluyo, Dwi Eko; Astuti, Sih Darmi; Goh, Gerald Guan Gan
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v8i2.21314

Abstract

This research investigates whether optimizing stock portfolios aligns with prudence in Sharia-compliant stock investment. It compares the portfolio optimization analysis between Sharia-compliant securities and the Jakarta Islamic Index. Each group is structured with its optimal portfolio composition to achieve the highest expected return for various possible risks. Two efficient frontiers are derived from both optimal portfolios. A slight intersection is found in the efficient frontier between these two portfolio groups, justifying that taking high risks in one group results in a low-risk choice in the other portfolio group. The Sharia-compliant investment is realized by choosing an optimal portfolio with low risk while still tolerating investment selections with higher risk, as long as they are aligned with Islamic principles. The findings of this optimal portfolio offer practical guidance for investment decisions and significantly contribute to advancing the field of Islamic finance and investment practices.
Compliance in The Micro, Small and Medium Enterprises (MSMEs) Taxes and Reviewed From an Islamic Perspective Kurniawan, Indra; Kuntadi, Cris; Izni Shafie, Dalili
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v8i2.21473

Abstract

Tax compliance is the government's goal to achieve the expected tax targets. To achieve this compliance, the government offers a low tax rate to encourage MSMEs to pay its tax debt. On the other hand, taxes are burdensome for MSMEs because they are government expenditures that are deducted from net income so taxpayers look for ways to reduce the taxes paid . This article reviews the influence of income turnover, self-assessment system also tax amnesty on taxpayer compliance with micro, small and medium enterprises , a study of tax accounting literature. Meanwhile From an Islamic perspective, each taxpayer has the responsibility to pay the taxes. The taxpayer compliance in Islamic perspective stated that governments permitted to take some of its citizen’s assets such the taxes. This can be seen in the Hadith recounted by Fatimah bint Qais and Q.S At-Taubah 29. This article aims to develop the hypothesis according connection among variables for further study. This research show several findings, there are: 1) Income Turnover influences Taxpayer Compliance ; 2) The Self Assessment System influences Taxpayer Compliance ; and 3) Tax Amnesty affects Taxpayer Compliance.

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