Ijtimā'iyya: Journal of Muslim Society Research
Not a member yet
133 research outputs found
Sort by
The Transformation of Islamic Economics in The Digital Era: An Analysis of Islamic Fintech and Financial Inclusion in Indonesia
Full text linkThe rapid expansion of Indonesia’s digital economy has transformed Islamic financial services through the emergence of sharia-compliant financial technologies, including Islamic peer-to-peer lending, equity crowdfunding, e-wallets, and digital zakat platforms. This study aims to examine the role of Islamic fintech in enhancing financial inclusion in Indonesia and to evaluate its implications for Islamic economic development within the framework of maqasid al-shariah. Employing a qualitative descriptive method based on recent academic literature, regulatory documents, and statistical reports (2020-2024), the findings indicate that Islamic fintech significantly contributes to expanding financial access, particularly among micro, small, and medium enterprises (MSMEs), women-led businesses, and rural communities previously underserved by conventional banking. However, the sector still faces major challenges, including fragmented regulations, low Islamic financial literacy, cybersecurity concerns, and limited institutional capacity in digital risk management. The novelty of this study lies in its integrated analysis of Islamic fintech from both a financial inclusion and Islamic legal-ethical perspective, emphasizing how value-based finance can complement digital innovation in Indonesia’s financial ecosystem. The study concludes that strengthening digital literacy, sharia compliance, data protection systems, and ecosystem collaboration between regulators, Islamic financial institutions, and technology providers is crucial for realizing inclusive Islamic digital finance in accordance with the objectives of maqasid al-shariah
Stakeholder Collaboration in Increasing Community Participation and Independence in the Mina Padi Tourism Village in Cilongok District, Banyumas Regency
Full text linkThis study aims to analyze the forms and roles of inter-stakeholder collaboration in efforts to increase community participation and independence in the management of the Mina Padi Tourism Village in Cilongok District, Banyumas Regency. The research approach used was descriptive qualitative, with data collection techniques including in-depth interviews, observation, and documentation studies. The stakeholders involved included the village government, tourism awareness groups (Pokdarwis), local communities, academics, and the private sector. The results show that the multi-stakeholder collaboration that has been established contributes to increased community participation in planning, implementation, and evaluation of agriculture-based tourism activities (rice). In addition, synergy among stakeholders encourages economic independence through strengthening community capacity, tourism product innovation, and business diversification based on local potential. However, this study also found that the sustainability of collaboration still faces challenges in coordination, role distribution, and consistency of support from external parties. Therefore, a more structured strategy is needed to strengthen networks and collaborative governance to ensure sustainable and competitive development of the Mina Padi Tourism Village
The Impact on Non-Performing Loans in Indonesian Commercial Banks Caused by the Covid-19 Pandemic, Inflation, BI 7-Day Repo Rate, and Credit Interest Rates
No full textThis study aims to examine the effect of the Covid-19 pandemic, inflation, the BI 7-Day Repo Rate (BI7DRR), and Credit Interest Rates on Non-Performing Loans (NPL) at Commercial Banks in Indonesia, both partially and simultaneously. This quantitative research, which explores rare phenomena such as the ongoing Covid-19 pandemic and empirical findings that partially reject the hypothesis and the loanable funds theory, offers novelty compared to previous studies. Using secondary data from March 2020 to March 2022 obtained from Bank Indonesia, the Financial Services Authority, and the Central Statistics Agency, this study applies multiple regression analysis with SPSS for Windows, employing t-tests, F-tests, and adjusted R² to measure the impact on NPL. The results show that partially, the Covid-19 pandemic and inflation do not affect NPL, while BI7DRR has a negative effect of 0.513% and Credit Interest Rates have a positive effect of 0.367% on NPL. Simultaneously, these four variables influence NPL by 52.2%, suggesting that Ho₅ is accepted and Ha₅ is rejected, which can be attributed to government and central bank fiscal policies as well as commercial bank credit relief programs for debtors. These findings imply the need for synergy among commercial banks, the central bank, and the government to navigate macroeconomic uncertainties through careful BI7DRR adjustments, competitive lending rates, credit restructuring, and stringent debtor evaluation, while encouraging debtors to enhance productivity and make well-informed credit decisions to prevent future NPL surges
Caregiving and the Division of Roles in the Family among women in Yogyakarta
Full text linkDalam realitas masyarakat yang masih kental dengan corak patriarkhi, perbedaan gender seringkali melahirkan berbagai bentuk ketidakadilan bagi perempuan, salah satunya adalah double burden (peran ganda). Banyak alasan perempuan yang memiliki dua peran; peran domestik dan publik. Penelitian ini berusaha menelusuri bagaimana tren pengasuhan anak dan pembagian peran perempuan dalam keluarga di Yogyakarta. Kedua, bagaimana analisis tren pengasuhan anak dan pembagian peran perempuan dalam keluarga di Yogyakarta perspektif gender. Untuk menjawab rumusan masalah, peneliti menggunakan teori fungsionalisme Talcott Parsons dengan skema AGIL; Adaptasi (Adaptation), Pencapaian (Goal), Integrasi dan Latency. Selain itu menggunakan teori double burden yang dihubungkan dengan teori efektifitas hukum. Jenis penelitian merupakan field research dengan metode kualitatif melalui pendekatan sosiologi. Data bersumber dari 23 perempuan Yogyakarta yang memiliki latar belakang berbeda-beda. Teknik pengumpulan data melalui wawancara, dokumentasi dan observasi. Dalam menganalisis data, peneliti menggunakan tahapan pengumpulan data, reduksi data, penyajian data dan penarikan kesimpulan. Terdapat ketidakadilan gender (dalam bentuk stereotipe, subordinasi, maupun beban ganda) dalam tren pengasuhan anak dan tren pembagian peran dalam rumah tangga di Yogyakarta. Pada kalangan aktifis perempuan terjadi subordiansi atau penomorduaan. Dalam golongan akademis dan buruh pembagian peran membuat kaum perempuan bekerja lebih keras dan memeras keringat jauh lebih keras (beban ganda). Penyebab ketidakadilan tersebut adalah adanya budaya (culture) dan substansi pemahaman agama dalam masyarakat
Legal Risk Management in Sharia Bank Contracts
Full text linkA crucial aspect of Islamic banking activities is the existence of contracts, which are agreements that bind the parties in financial transactions. However, in practice, there are legal risks arising from unclear contracts, differences in legal interpretation, and non-compliance with regulations. This risk can have an impact on the operational stability of Islamic banks and reduce public trust. The purpose of this study is to examine the forms of legal risks in Islamic bank contracts and their risk management mitigation strategies. The methodology used is a qualitative approach based on a literature analysis related to Islamic banking regulations, fatwas, and practices in Indonesia. The findings of this study confirm that legal risks can arise due to unclear contracts, violations of sharia principles, and non-compliance with regulations such as DSN-MUI fatwas and OJK regulations. These risks are found in murabahah, mudharabah, musyarakah, ijarah, istisna\u27, and others, including defaults, data misuse, and juridical weaknesses. Recommended mitigation strategies include drafting clear contracts, sharia compliance audits, monitoring contract implementation, and education to customers. With effective legal risk management, Islamic banks can improve operational stability and public trust, while ensuring the sustainability of the Islamic banking industry in Indonesi
The Silent Communication of Penghayat Kepercayaan: Identity Negotiation and Co-cultural Strategies in a Muslim-Majority Community
Full text linkThis research highlights the paradox of pluralism in Indonesia, where Penghayat Kepercayaan (indigenous faith practitioners) frequently employ defensive communication strategies despite having constitutional guarantees. This study aims to analyze the phenomenon of \u27Silent Communication\u27 within the Paguyuban Budaya Bangsa (PBB) community in Kebumen as a mechanism for identity negotiation amidst a Muslim-majority society. Utilizing a qualitative collective case study approach framed by Co-Cultural Theory and Impression Management, this research dissects how minority groups construct communication boundaries. The findings demonstrate that this community adopts \u27Pseudo-Administrative Affiliation\u27 and \u27Digital Silence\u27 as primary survival strategies. Furthermore, the study identifies an internal \u27Spiral of Silence\u27 within the organization that obstructs leadership regeneration and reveals that the younger generation continues to practice self-censorship in digital spaces despite achieving legal recognition. This research concludes that minority silence is not merely a cultural trait but a structural response to social insecurity, necessitating an ethical shift from the majority group to foster inclusive dialogue. Moreover, the Muslim community—theologically anchored by the principles of la ikraha fiddin (no compulsion in religion), qaulan layyinan (gentle speech), and haqqul jawar (the rights of neighbors)—is challenged to actualize these values in daily practice, spanning administrative policies, social interactions, and digital media ethics
Reconstructing the Epistemology of Islamic English: Ismail R. Al-Faruqi’s Framework for the Islamization of Language
Full text linkThe paper highlights Ismail Raji al Faruqi’s (1339-1406 H/1921-1986 M) seminal work, Toward Islamic English that outline general ideas and framework of Islamization of English language by reconstructing its ontological and epistemological premises to align it with tauhid and its metaphysical worldview in the context of Islam. Its objective is to analyzes his method that provided constructive analysis of the nature of linguistic distortion of the English language that needed rectification in transliteration (of letters and words) and translation (of Islamic words/concepts and terms/expressions relevant to the Islamic sciences). The study is qualitative (narrative) in nature based on descriptive, analytical and historical method. The finding reveals certain major pattern of Islamicization of language at work designed to inject into it new vision and new spiritual sensitivities and dismantle its secular premise and its overarching presence in its worldview and consciousness. It strives to enrich the English language and attempts to modify it to allow it to carry Islamic proper nouns and meanings without distortion, and thus to serve the linguistic needs of Muslim users of the English languag
Analysis of Zakat Management Differences in Indonesia and Brunei Darussalam: Challenges and Solutions
Full text linkThis article analyzes the differences in zakat management in Indonesia and Brunei Darussalam, as well as the challenges faced and the solutions offered. Indonesia, with the largest Muslim population in the world, has a zakat system managed by the National Amil Zakat Agency (BAZNAS) and private zakat institutions. On the other hand, Brunei Darussalam, as a country that comprehensively implements Islamic law, manages zakat through centralized government institutions. The main differences lie in the organizational structure, collection mechanisms, distribution, and accountability of zakat. The main challenges in Indonesia include the lack of public awareness, transparency, and coordination among zakat institutions. In Brunei, the challenges are more focused on adjusting the zakat system to economic and social changes. This article offers solutions to address these challenges, such as increasing zakat literacy, strengthening information technology for transparency, and enhancing cooperation between the government and private institutions in Indonesia. For Brunei, the solutions include adjusting zakat policies to be responsive to economic dynamics and increasing public participation in the zakat system. This research is expected to provide insights for developing more effective zakat management in both countries, as well as contribute to global zakat literatur
The Influence of Islamic Brand Engagement as A Moderation Variable on Brand Loyalty in Bank Syariah Indonesia Customers
Full text linkThis study aims to determine the ability of Islamic brand attachment to moderate the influence of brand personality, customer satisfaction, and aura brand customer religiosity towards brand loyalty in Indonesian Islamic banks. Primary data collection was conducted by purposive sampling with a sample size of 320 questionnaire responses collected. from Bank customers Indonesian Sharia is domiciled in Yogyakarta, Surakarta, Purwokerto, Semarang, Jakarta, Bandung, Banten and Surabaya. The relationship between personality variables brand, satisfaction customers, And aura brand religious Customer to brand loyalty was analyzed using Structural Equation Modeling (SEM) from the Wap PLS program package. Results study empirical show there is influence personality brand, satisfaction customers, and the aura of a religious brand customers towards brand loyalty of Bank Syariah Indonesia. The test results show that Brand personality, Customer satisfaction , and . Brand religious aura is influential positive to brand loyalty on Customer Bank Sharia Indonesia. Islamicbrand engagement is able to moderate the relationship between brand personality and brand loyalty in Bank Syariah Indonesia customers. But Islamic brand engagement is not able to moderate the relationship between customer satisfaction and brand religious aura towards brand loyalty . Customer Bank Sharia Indonesia. Recommendation managerial Which produced from This research is that Bank Syariah Indonesia must focus on continuously improving brand personality, customer satisfaction, and religious brand aura because they are directly correlated with customer
The Influence of Utilitarian Value and Hedonic Value on Loyalty with Consumer Satisfaction As Mediation on The Consumer "Society Coffe House"
Full text linkThe research aims to analyze the influence of utilitarian value and hedonic value on consumer loyalty with consumer satisfaction as mediation in consumer coffee shops. A product\u27s utilitarian and hedonic value is significant because it affects consumers until the emergence of brand satisfaction. Utilitarian values such as usability, the function of a product, and the hedonic value of a product, such as luxury pleasure, become the values of a product that affect consumer satisfaction. The analytical methods used to test relationships between variables are Partial Least Squares Analysis, hypothesis testing using the t-test, and moderation testing using the Variance Accounted For method—sample number of 100 coffee shop customers in Indonesia.The finding of this study is that the consumer satisfaction factor can mediate the relationship between utilitarian value, hedonic value, to customer loyalty. This study found that utilitarian factors of value, hedonic value, and consumer satisfaction are determining variables in increasing consumer loyalty in coffee shops. The thing that can be done is to improve the quality of products to be better and different from other cafes, create conditions that are entirely different and not obtained from elsewhere when consumers enjoy coffee, and continue to provide the best service so that consumers will continue to want to consume coffee. Until now, no research has tested consumer satisfaction as a mediation variable in conjunction with utilitarian value variables and hedonic value to customer loyalty to coffee shops in Indonesi