IQTISHADIA
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.
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<![CDATA[The Relationship between Love of Money, Islamic Religiosity and Life Satisfaction: a Muslim’s Perspective ]]>
<![CDATA[Hoetoro, Arif -]]>
<![CDATA[ IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i1.7333
<![CDATA[This research scrutinizes the relationship between Love of Money (LOM), hedonic behavior and Islamic religiosity in pursuing life satisfaction in consumption. By utilizing accidental sampling method, the research then employed 99 customers who spent their money in one of the biggest department stores in Malang City. The calculation of data with SmartPLS-3.1.8 revealed that Islamic religiosity significantly affects live satisfaction (β = 0.290; Ï-value = 0.003). In the same time, LOM significantly influences hedonic behavior (β = 0.417; Ï-value = 0.000). However, hedonic behavior does not mediate the relationship between LOM and life satisfaction. This study accordingly concludes that Islamic religiosity plays a main role in consumption. Therefore, it is suggested that every Muslim have to instill Islamic religiosity in daily activities for obtaining life satisfaction.     ]]>
<![CDATA[How to Improve Sharia Accountability for Sovereign Sukuk in Indonesia ]]>
<![CDATA[Arianty, Erny]]>
<![CDATA[ IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i1.6618
<![CDATA[The study entitled How to Improve Sharia Accountability for Sovereign Sukuk in Indonesia aims to analyze the factor that has the highest level of importance in realizing sharia accountability. The analysis of this research is conducted by applying  Analytical Hierarchy Process (AHP) approach with a hierarchy structure consisting of the first level, namely objectives, sharia accountability for Sovereign Sukuk/Sovereign Sharia Securities (SBSN), then the second level is shariah accountability parameters, consist of structural contract (akad) SBSN, the use of SBSN funds by maqashid sharia, and SBSN accounting and financial reporting. Each criterion is determined by sub-criteria, which are the third level. The last level is the supporting factors for the realization of sharia accountability for SBSN. The results showed that human resources competency factor had the highest importance level in realizing the sharia accountability for the use of the contract structure (aqad) SBSN parameter, the supervisory function factor had the highest importance level for the parameters of using SBSN funds following the shariahmaqashid, and the decision making authority factor had the highest importance level for the parameters of accounting and financial reporting. As for the results of the level of importance of the parameters, the parameter of the use of the contract structure has the highest importance level among other parameters.]]>
<![CDATA[FACTORS AFFECTING MARKET SHARE OF ISLAMIC COMMERCIAL BANK AND ISLAMIC BUSINESS UNIT IN INDONESIA ]]>
<![CDATA[Riani, Nadhifa Khansa]]>
<![CDATA[ IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i1.5935
<![CDATA[The development of the islamic banking industry is still lagging behind the conventional banking industry. It can be seen from the market share of islamic banking which is relatively small compared to market share of conventional banking. This study aims to analyze the factors that affect the market share of Islamic Commercial Bank and Islamic Business Unit in Indonesia period 2013 ? 2018. Variables used in this study include the Third Party Fund (DPK), Capital Adequacy Ratio (CAR), number of offices, Non Performing Financing (NPF), inflation, and BI Rate. This study uses Error Correction Model (ECM). The results show that in the short-term model, DPK and number of offices has significant positive effect, while NPF and inflation has significant negative effect on market share. In the long-term model, DPK, CAR and number of offices has significant positive effect, while NPF and BI Rate has significant negative effect on market share. ]]>
<![CDATA[EFFECT OF HALAL AWARENESS, HALAL CERTIFICATION, FOOD INGREDIENTS COMPOSITION, HALAL MARKETING AND RELIGIOSITY ON PURCHASE INTENTION OF IMPORTED FOOD PRODUCTS ]]>
<![CDATA[Karimah, Nida]]>;
<![CDATA[Darwanto, Darwanto]]>
<![CDATA[ IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i1.6101
<![CDATA[Muslims are required to always consume halal food in accordance with Islamic orders. Halal awareness, halal certification, food ingredients composition, halal marketing and religiosity can influence consumer behavior, especially on product purchase intention. Not all food products have been labeled halal, especially the imported products. This study aims to look at the effect of halal awareness, halal certification, food ingredients composition, halal marketing and religiosity on the purchase intention of imported food products in Muslim consumers in the city of Semarang by using the Structural Equation Model (SEM). The results of the analysis show that halal awareness, halal certification, food ingredients composition, halal marketing and religiosity have a positive and significant effect on imported food products purchase intention.]]>
<![CDATA[Knowledge and Awareness of Islamic Financial in Europe And America Countries ]]>
<![CDATA[Ernawati, Ernawati]]>;
<![CDATA[Asri, Mansyur]]>
<![CDATA[ IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i1.7207
<![CDATA[This study aims to determine the correlation between knowledge and awareness with industrial development, state religious status and state location. The data is sourced from secondary references of IFG-IFDI publication for the 2019 period on 42 countries in the European and American Continent. Data is processed through correlation analysis. The results show that Islamic financial knowledge correlates with the level of scientific awareness.  Islamic financial knowledge and awareness of Islamic finance are positively correlated with the development of 4 (four) segments of Islamic finance, namely: Islamic banking, takaful, other Islamic finance, and sukuk; and does not correlate with the Islamic funds. The countries with a Muslim majority population will be more active in developing activities related to the Islamic financial industry.  There other side, there is no significant correlation between knowledge and awareness of Islamic finance with the continet location of the country. The research findings recommend an inclusive awareness movement so that it unites the academic and the public aspects in Islamic financial campaigns.]]>
<![CDATA[Developing The Sustainability Model of BMTs: Empirical Approach ]]>
<![CDATA[bin Mislan Cokrohadisumarto, Widiyanto]]>;
<![CDATA[Sari, Yuli Indah]]>;
<![CDATA[Hardiana, Yulinda]]>
<![CDATA[ IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i1.6859
<![CDATA[Maintaining the sustainability of microfinance institutions such as BMT is a must because this financial institution is badly needed by the community who do not want to be involved with usury practices. Efforts to build sustainability with a variety of approaches, especially from a more Islamic management approach are needed. This study aims to build a model of sustainability in BMT based on growth in the financing, community support, fraud, Islamic human capital, and Islamic leadership. This research was conducted using a quantitative approach (multiple linear regression with stepwise methods) to get the best model by developing moderating variables. The number of samples used was 105 respondents collected from BMT spread across the Semarang and Pekalongan Residency, Central Java, Indonesia. Based on the results of the study, to build BMT sustainability requires financing growth, support from the community, and good Islamic human capital. An interesting finding is that fraud does not affect the sustainability of BMT, this is possible because the fraud that occurs is still in low intensity. Islamic leadership and Islamic human capital are also unable to moderate the influence of fraud on the sustainability of BMT.]]>
<![CDATA[The Other Side of Zakat in Poverty Reduction: A Phenomenology Study ]]>
<![CDATA[Widyatama, Arif]]>;
<![CDATA[Baso, Andi Sabirin]]>;
<![CDATA[Haq, Fathiatul]]>
<![CDATA[ IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i1.5993
<![CDATA[This study aims to understand the phenomenon of zakat given to Mustahiq. The Mustahiq uses the zakat to increase income through business development so that it can reduce poverty. The research method used is qualitative using a phenomenology approach. This study interviewed three informants who received zakat. The results of this study reveal that zakat has a different spiritual value from taxes. When zakat is distibuted, it can increase the income of the grantees. BAZNAS management system must be carried out in a professional, transparent and accountable manner and aims at eradicating poverty and unemployment in Palu with a cultural approach based on faith. Besides, it helps the poor in community. One of the goals is to create some of muzakki and awareness of helping each other. ]]>
<![CDATA[The Other Side of Zakat in Poverty Reduction: A Phenomenology Study ]]>
<![CDATA[Widyatama, Arif]]>
<![CDATA[ IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i1.5993
<![CDATA[This study aims to understand the phenomenon of zakat given to Mustahiq. The Mustahiq uses the zakat to increase income through business development so that it can reduce poverty. The research method used is qualitative using a phenomenology approach. This study interviewed three informants who received zakat. The results of this study reveal that zakat has a different spiritual value from taxes. When zakat is distibuted, it can increase the income of the grantees. BAZNAS management system must be carried out in a professional, transparent and accountable manner and aims at eradicating poverty and unemployment in Palu with a cultural approach based on faith. Besides, it helps the poor in community. One of the goals is to create some of muzakki and awareness of helping each other. ]]>
<![CDATA[Zakah Rate In Islamic Stock Performance Models: Evidence From Indonesia ]]>
<![CDATA[Qudratullah, Mohammad Farhan]]>
<![CDATA[ IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i1.6004
<![CDATA[There are three models commonly used to measure the performance of Islamicstocks, named Treynor Ratio, Sharpe Ratio, and Jansen Index. One component of the three models is risk-free returns which are usually approached with interest rates, whereas interest rates are prohibited in the concept of Islamic finance. This paper will approach a risk-free return with zakat-rate on the Islamic capital market in Indonesia from January 2011 - July 2018, then compare it with a model that uses interest rates. The results obtained by the model with interest rates and zakah-rate in this third model have very high suitability values, so that zakah-rate can be used as an alternative substitute for interest rates in measuring the Islamic stock performance. Beside not contradicting the concept of Islamic economics, calculation of models with zakah-rate is simpler than models with interest rates.]]>
<![CDATA[Zakah Rate In Islamic Stock Performance Models: Evidence From Indonesia ]]>
<![CDATA[Qudratullah, Mohammad Farhan]]>
<![CDATA[ IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v13i1.6004
<![CDATA[There are three models commonly used to measure the performance of Islamicstocks, named Treynor Ratio, Sharpe Ratio, and Jansen Index. One component of the three models is risk-free returns which are usually approached with interest rates, whereas interest rates are prohibited in the concept of Islamic finance. This paper will approach a risk-free return with zakat-rate on the Islamic capital market in Indonesia from January 2011 - July 2018, then compare it with a model that uses interest rates. The results obtained by the model with interest rates and zakah-rate in this third model have very high suitability values, so that zakah-rate can be used as an alternative substitute for interest rates in measuring the Islamic stock performance. Beside not contradicting the concept of Islamic economics, calculation of models with zakah-rate is simpler than models with interest rates.]]>
