cover
Contact Name
Ach Baiquni
Contact Email
iqtishadia@iainmadura.ac.id
Phone
+6287886353811
Journal Mail Official
iqtishadia@iainmadura.ac.id
Editorial Address
Economics and Islamic Business Faculty, Institut Agama Islam Negeri Madura Jl. Raya Panglegur Km. 04, Pamekasan, East Java
Location
Kab. pamekasan,
Jawa timur
INDONESIA
Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
ISSN : 23547057     EISSN : 24423076     DOI : https://doi.org/10.19105/iqtishadia.v11i1
Core Subject : Economy,
Publishes mainly focuses on the major problems in the development of Islamic Business and economic areas, such as Islamic economic thoughts, Islamic economic and business, Islamic philanthropy (zakat, infaq, shadaqah, and waqf), halal industry (food tourism, product), Islamic microfinance, Islamic banking and financial institution, Islamic banking management, and Islamic monetary economics.
Articles 166 Documents
Peran Cash Waqfh Linked Sukuk (CWLS ) Dalam Optimalisasi Pemulihan Ekonomi Nasional Di Masa pandemi Ashif Jauhar Winarto; Achmad Fageh; Muhammad Hamdan Ali Masduqie
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 8 No. 2 (2021)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v8i2.4762

Abstract

Abstract : This study aims to determine the role of Cash Waqf Linked Sukuk (CWLS) in optimizing the National Economic Recovery (PEN) during the Pandemic Period in Indonesia. The research method used in the research related to the role of Cash Waqf Linked Sukuk (CWLS) uses library research, this method is useful for collecting data, and the data can be from journals, web, news, and articles. other. This method does not involve interviews to collect data. This research was carried out as an effort to create a model that is expected to be able to provide various solutions or alternatives for the implementation of productive waqf namely Cash Waqf Linked Sukuk (CWLS). The results of the research obtained in this study are that many Indonesian people are helped by the existence of waqf funds which are reused so that they become productive waqf. This shows the presence of Cash Waqf Linked Sukuk (CWLS) which can be a solution to realize the National Economic Recovery (PEN) in the Pandemic Period. Keywords: Waqf, Sukuk, Cash Waqf Linked Sukuk (CWLS), National Economic Recovery (PEN). Abstrak : Penelitian yang dilakukan bertujuan untuk mengetahui peran Cash Waqf Linked Sukuk (CWLS) dalam mengoptimalkan Pemulihan Ekonomi Nasional (PEN) di Masa Pandemi di Negara Indonesia. Metode penelitian yang digunakan dalam penelitian yang dilakukan terkait peran Cash Waqf Linked Sukuk (CWLS) ini menggunakan Studi kepustakaan (library research), metode ini berguna untuk mengumpulkan data-data, dan data-data tersebut bisa dari jurnal, web, pemberitaan, dan artikel lainnya. Maka dalam metode ini tidak melibatkan kegiatan wawancara untuk mengumpulkan data. Penelitian ini dilaksanakan sebagai upaya menciptakan suatu model yang diharapkan mampu menyediakan berbagai solusi atau alternatif bagi pelaksanaan wakaf produktif yaitu Cash Waqf Linked Sukuk (CWLS). Hasil penelitian yang didapatkan dalam penelitian ini yaitu, banyak Masyarakat Indonesia ini yang terbantu dengan adanya dana wakaf yang dimanfaatkan kembali sehingga menjadi wakaf yang produktif. Hal ini menunjukkan hadirnya Cash Waqf Linked Sukuk (CWLS) dapat menjadi solusi untuk mewujudkan Pemulihan Ekonomi Nasional (PEN) di Masa Pandemi. Kata Kunci: Wakaf, Sukuk, Cash Waqf Linked Sukuk (CWLS), Pemulihan Ekonomi Nasional (PEN).
SHARIA INSURANCE COMPANY BUSINESS MANAGEMENT MODEL IN THE DIGITAL 4.0 ERA Renny Oktavia; M. Taufiq
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 8 No. 2 (2021)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v8i2.4914

Abstract

This study aims to determine how the business management model of Islamic insurance companies in the digital era 4.0. The research method used is a qualitative research method using the Grounded Theory approach. The results of this study explain that, in running the insurance business in the era of revolution 4.0 implementing a supporting system, it is a combination of four components, namely: insurance / financial literacy, network marketing, human technology, and digital technology. The four components are driven by three mechanisms, namely: digital funneling, learning models, gamification systems, to achieve targeted business results. Keywords: Insurance Business, Sharia Insurance, Digital Technology
PENGARUH DIMENSI AKSES DAN PENGGUNAAN KEUANGAN INKLUSIF TERHADAP PROFITABILITAS UNIT USAHA SYARIAH DI INDONESIA PERIODE 2017-2019 Siti Mutmainnah; Uly Mabruroh Halida
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 8 No. 2 (2021)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v8i2.5196

Abstract

During the global financial crisis that occurred in 1998, the crisis in 2008, and the crisis in Europe in 2011, the European banking industry plummeted. However, several countries in Asia are experiencing growth. Asia's economic growth has not been supported by public access to financial institutions. Indonesian people's access to financial institutions is also still low due to the gap for the middle class who are not familiar with banking access (unbanked). To expand access to financial services, a financial inclusion program was launched. This study aims to determine the effect of the dimensions of access and use on financial inclusion on the profitability of Islamic Business Units in Indonesia for the 2017-2019 period, either partially or simultaneously. The research method uses quantitative research. This type of research uses associative. Data analysis used multiple linear regression analysis. The type of data in this study is secondary data. The object of this research is the Sharia Business Unit in Indonesia. The population in this study is the achievement of Islamic banking statistics published by OJK and population data published by BPS. Sampling in this study is to use a saturated sample. The results of this study indicate that the dimension of access to financial inclusion has no effect on profitability, it can be seen from the value of tcount -1.130 < ttable 2.03224. While the dimension of access to financial inclusion has a negative effect on profitability, it can be seen from the value of tcount -4.612 > ttable 2.03224,. Simultaneously, the dimensions of access and use of financial inclusion have an effect on profitability, it can be seen from the Fcount value of 32.486> Ftable 3.28.
Urgensi Spiritual Marketing dan Marketing Syariah dalam Dunia Bisnis Umar Hamdan; Bariza Nazla Azzulala; Nasifah Nasifah; Kamiluddin Kamiluddin
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.5483

Abstract

Spiritual marketing tercapai ketika bisnis yang kita geluti mampu memberikan kebahagiaan, kejujuran dan keadilan yang dijalankan, apapun bidang yang kita geluti tidak bertentangan dengan prinsip-prinsip Islam. Ciri-ciri pemasaran Islami adalah: Rabbaniyyah, Akhlaqiyah, Al-waqiyyah dan manusiawi. Implementasi Pemasaran Syariah dilaksanakan bila sembilan etika pemasaran dapat terwujud, yaitu: takwa, Siddiq, Al-Adl, Khidmah, Al-Amanah, Su'uzh-Zahn, Ghibah, dan Riswah. Pemasaran konvensional adalah nilai pemasaran yang bebas dan tidak didasarkan pada nilai-nilai ketuhanan dalam semua kegiatan pemasaran, pemasar hanya fokus pada pencapaian target yang ditetapkan penjual. Dalam pemasaran Islam suatu keharusan bahwa setiap kegiatan pemasaran dia selalu diawasi oleh Allah, jadi berhati-hatilah dalam menjaga kegiatan pemasaran.
Faktor-Faktor yang Mempengaruhi Loyalitas Muzakki dan Kepercayaan Sebagai Mediasi di LazisMu Cabang Suruh Kabupaten Semarang Nur Huri Mustofa; Dwi Suci Rahayu
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.5560

Abstract

Economic inequality in Indonesia is still relatively high as well as uneven welfare. Indonesia is a country where the majority of the population is Muslim. Besides that, Indonesia has several institutions that are devoted to empowering the community in reducing poverty, one of which is the LazisMu institution. There is still little awareness of the Muslim community to pay tithe in the LazisMu institution and there are still some people who do not understand the existence of the institution. By providing recommendations, information, and openness, the public can understand and be willing to donate to the institution. This study aims to determine the effect of word of mouth, transparency, and service quality of zakat management institutions on muzakki loyalty and muzakki trust as intervening variables. This type of research uses quantitative purposive sampling method, the sample used is 63 muzakki, data collected using a questionnaire processed with IBM SPSS 21. The results of this study indicate that Word of Mouth, Transparency, and Service Quality, have a significant positive effect on muzakki loyalty while the trust variable does not. significant positive effect on muzakki loyalty. And for the Intervening variable (Muzakki Trust) there is no mediating effect between Word of Mouth and Transparency on Muzakki Loyalty, but for service quality it has a mediating effect on Muzakki Loyalty.
Relationship Marketing Dalam Perspektif Islam Achmad Fageh; Fatimatul Fatmariyah; Fathor AS
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.5589

Abstract

From an Islamic perspective, the concept of relationship marketing is standard and internationally recognized. However, so far, there is no such thing. Indeed, in Islamic teachings, the idea of RM brought by western scientists has been contained in the Al-Qur'an and Al-Hadits. Even the concept of relationships in Islamic education is more comprehensive. This article aims to explain the idea of relationship marketing from an Islamic perspective and its main components. This type of research is qualitative through literature study and content analysis. The analysis results show that the concept of relationship marketing from an Islamic perspective is demonstrated through various terms, components, and constructs, including Islamic relationship marketing, shariah relationship marketing, Islamic customer relationship marketing, shariah customer relationship marketing, etc. Islamic Relationship Marketing (IRM) was developed from relationship marketing and Islamic ethical behavior. Shariah Relationship Marketing (SRM) was designed from relationship marketing and Shariah Compliance. The components of IRM are Islamic ethical behavior, social bonds, structural bonds, and financial bonds, and the features of SRM are bonding, communication, commitment, complaint handling, trust, and sharia compliance.
Tingkat Kepatuhan Syariah Bank Pembiayaan Rakyat Syariah Berbasis Maqashid Syariah Husni Shabri; Euis Amalia
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.5631

Abstract

Knowledge of shariah compliance in the sharia banking industry is still low. Shariah compliance is a special uniqueness that exists in sharia banking. The correct knowledge of shariah compliance has an important urgency in the operations of Islamic banks. The purpose of this study was to determine the level of sharia compliance of Islamic Rural Banks in Indonesia. The research method uses a quantitative descriptive approach. The data source of this research is secondary data. The data collection technique uses documentation in the form of annual reports of all Sharia Rural Banks (BPRS) which are the combined financial statements of BPRS in the Sharia Banking Statistics Report for September 2021 Otoritas Jasa Keuangan (OJK) with a total of 165 BPRS. The results show that the level of sharia compliance of Islamic Rural Banks (BPRS) as measured by the Maqashid Shariah Index (MSI) for a period of 10 years is still very low with an average index value of 0.32319 or 32.319%. Research findings reveal that the allocation of funds to aspects of education, research and training as well as the ratio of zakat to income is very relatively low, even information related to zakat payments until 2018 is non-existent or zero. The results of this study can be used as input for the management of Islamic Rural Banks (BPRS) special attention to the dimensions of which the index value is still very low
Distribusi Pendapatan Perspektif M. Abdul Mannan dan Realisasinya di Indonesia Aqif Khilmia; Lilik Rahmawati
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.5665

Abstract

Distribusi pendapatan merupakan topik yang memiliki urgensi dalam mengembangkan perekonomian khususnya negara. Konsep distribusi pendapatan dalam perekonomian pada dasarnya bertujuan untuk mewujudkan kesejahteraan masyarakat, yaitu memenuhi kebutuhan masyarakat melalui distribusi kekayaan dan pendapatan yang adil dan merata. Kegagalan pendekatan tradisional terhadap pembangunan ekonomi ditandai dengan adanya kemiskinan masyarakat. Banyak penelitian yang menunjukkan bahwa Islam dapat menjawab masalah ekonomi manusia, memberikan sistem ekonomi yang teratur, dan harapan meyakinkan. Salah satu ekonom Muslim modern adalah M. Abdul Mannan yang menyatakan bahwa distribusi pendapatan terkait pada jumlah kepemilikan berbeda oleh masing-masing individu. Mannan mengkritik neoklasik dalam hal penyebarannya, dan pandangannya juga cocok dengan kerangka neoklasik. Tujuan penelitian ini adalah untuk menarik analisis distribusi pendapatan dalam perspektif M. Abdul Mannan. Metode penelitian yang digunakan adalah penelitian kepustakaan (library research) dengan pendekatan deskriptif. Yaitu mendeskripsikan distribusi pendapatan dalam perspektif M. Abdul Mannan. Sumber diambil dari berbagai referensi yang terkait dengan topik permasalahan, yaitu dari jurnal, buku, dan artikel lainnya. Hasil penelitian menyimpulkan bahwa Mannan mengkritik neoklasik dalam hal distribusi, tetapi dapat dikatakan bahwa pandangannya pada dasarnya berada pada kerangka neoklasik. Dia menegaskan bahwa teori distribusi individu, teori kepemilikan sumber daya, dan harga mempunyai peran penting, tetapi tidak memberikan kontribusinya sendiri di sini.
Model Ketahanan Keuangan Syariah Rachma Indrarini; Andriani Samsuri
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.5706

Abstract

The COVID-19 pandemic has had an adverse impact on the economy. Many people have lost their jobs but the necessities of life have increased. Society needs a model to make sharia financial resilience. This study aims to formulate a model of Islamic financial resilience, especially for Muslims by looking at three indicators are Islamic financial literacy, Islamic financial planning and Islamic financial inclusion. This research uses quantitative research with multiple linear regression. The result of this research is that Islamic financial literacy has no affect on sharia financial resilience. Islamic financial planning has not affect on sharia financial resilience. Islamic financial inclusion has affects on sharia financial resilience and together Islamic financial literacy, Islamic financial planning and Islamic financial inclusion has affect on sharia financial resilience
Board Characteristic and Shari’a Banks Performance: Evidence from Indonesia and Malaysia 2015-2020 Siti Aisyah; Muhamad Umar Mai; Dwi Suhartanto
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i2.6330

Abstract

This study aims to examine the effect of board characteristics on the performance of Islamic banks (IBs) in Indonesia and Malaysia in 2016-2020. The sample of this study includes 11 Islamic commercial banks in Indonesia and 7 Islamic commercial banks in Malaysia. The analysis method uses panel data regression which is processed with the help of software Eviews 12. Performance is measured by Return On Assets (ROA), Return On Equity (ROE), and Non-Performing Financing (NPF), Board characteristics are measured by the size of the board of directors, the proportion of directors women, the expertise of the board of directors, the size of the sharia supervisory board (DPS), the proportion of female DPS and the expertise of the DPS. The results of the study show that overall Islamic Corporate Governance and Corporate Governance have a positive effect on the performance of Islamic Banks (IBs). Keywords: Kata kunci: Islamic Banks; Islamic Corporate Governance; Corporate Governance; Performance Islamic Bank