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AlIqtishad Jurnal Ilmu Ekonomi Syariah最新文献

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Financial Stability of Islamic Versus Conventional Banks in Pakistan 巴基斯坦伊斯兰银行与传统银行的金融稳定
AlIqtishad Jurnal Ilmu Ekonomi Syariah Pub Date : 2018-03-07 DOI: 10.15408/aiq.v10i2.6500
T. Abrar, F. Ahmed, Muhammad Kashif
{"title":"Financial Stability of Islamic Versus Conventional Banks in Pakistan","authors":"T. Abrar, F. Ahmed, Muhammad Kashif","doi":"10.15408/aiq.v10i2.6500","DOIUrl":"https://doi.org/10.15408/aiq.v10i2.6500","url":null,"abstract":"This study aims to analyze and compare the financial stability of Pakistani banks covering a timeframe of 5 years from 2012 to 2016. This study employs the financial soundness indicators of the International Monetary Funds and State Bank of Pakistan and the z-score index. The comparative analysis through average scores is performed using 3 indicators of financial stability namely Z-Score, Capital Adequacy Ratio (CAR) and Equity to Total Assets Ratio. The findings of the research reveal that (i) conventional banks are more financially stable than Islamic banks; (ii) large conventional banks are more financially stable than large Islamic banks; (iii) small Islamic banks are less stable than small conventional bank. The implication of this paper is that conventional banks have the potential of absorbing financial stability shock as compare to Islamic banks on the basis of stated financial soundness indicators and Z-Score specifically. DOI:  10.15408/aiq.v10i2.6500","PeriodicalId":53340,"journal":{"name":"AlIqtishad Jurnal Ilmu Ekonomi Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-03-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44013348","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 7
Consumer's Preference and Awareness: Comparative Analysis Between Conventional and Islamic Ijarah Auto Financing in Pakistan 消费者的偏好和意识：巴基斯坦传统和伊斯兰Ijarah汽车融资的比较分析
AlIqtishad Jurnal Ilmu Ekonomi Syariah Pub Date : 2018-03-04 DOI: 10.15408/aiq.v10i2.7106
Imran Umer Chhapra, Afzal Ahmed, Raja Rehan, Farasat Hussain
{"title":"Consumer's Preference and Awareness: Comparative Analysis Between Conventional and Islamic Ijarah Auto Financing in Pakistan","authors":"Imran Umer Chhapra, Afzal Ahmed, Raja Rehan, Farasat Hussain","doi":"10.15408/aiq.v10i2.7106","DOIUrl":"https://doi.org/10.15408/aiq.v10i2.7106","url":null,"abstract":"A healthy banking industry plays a vital role in the economic stability, and banks success depends on its products. Therefore, this study aims at cognizing the consumer’s preference and awareness of Islamic Ijarah over the conventional lease in Pakistan. This research used regression as tools of analysis. The findings indicate that convenience is the prime determinant for preference of Ijarah over the lease. Moreover, all other factors except religion also support in the motivate selection of Islamic banking products. Therefore, it can be concluded that in Pakistan, religion is not the only fact motivates individuals to prefer Ijarah. Based on findings, it is recommended to relevant stakeholders to create more awareness among masses about Ijarah and to further ease out policies in order to harness optimum benefit. DOI: 1 0.15408/aiq.v10i2.7106","PeriodicalId":53340,"journal":{"name":"AlIqtishad Jurnal Ilmu Ekonomi Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-03-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49251010","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 10
Consumerism in Personal Finance: an Islamic Wealth Management Approach 个人理财中的消费主义：伊斯兰财富管理方法
AlIqtishad Jurnal Ilmu Ekonomi Syariah Pub Date : 2018-03-03 DOI: 10.15408/aiq.v10i2.5518
F. Amanda, Bayu Taufiq Possumah, A. Firdaus
{"title":"Consumerism in Personal Finance: an Islamic Wealth Management Approach","authors":"F. Amanda, Bayu Taufiq Possumah, A. Firdaus","doi":"10.15408/aiq.v10i2.5518","DOIUrl":"https://doi.org/10.15408/aiq.v10i2.5518","url":null,"abstract":"Consumerism phenomenon has been noticed from various points of view, such culture, psychology, and sociology but rarely linked to personal finance using Islamic wealth management approach. The aims of this study are to understand the causes and impacts of consumerism on personal finance and find the solution to this problem by using Islamic wealth management. By using thematic analysis this study reviewing consumerism from the perspective of personal finance in Islamic wealth management approach. This study found that the causes of consumerism involve both external and internal factors. The impacts of consumerism on personal finance are the debt trap, no productive and charity allocation. An exact number of maximum consumption cannot be set for every individual or family, but they are all agreed that allocating income should be based on the right priority scale. The second finding is we propose Islamic Wealth Management (IWM) approaches in reducing the problem of Consumerism. DOI:  10.15408/aiq.v10i2.5518","PeriodicalId":53340,"journal":{"name":"AlIqtishad Jurnal Ilmu Ekonomi Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-03-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44856880","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 13
Islamic Bank Service Quality and Its Impact on Indonesian Customers’ Satisfaction and Loyalty 伊斯兰银行服务质量及其对印尼客户满意度和忠诚度的影响
AlIqtishad Jurnal Ilmu Ekonomi Syariah Pub Date : 2018-03-03 DOI: 10.15408/aiq.v10i2.7135
M. Aisyah
{"title":"Islamic Bank Service Quality and Its Impact on Indonesian Customers’ Satisfaction and Loyalty","authors":"M. Aisyah","doi":"10.15408/aiq.v10i2.7135","DOIUrl":"https://doi.org/10.15408/aiq.v10i2.7135","url":null,"abstract":"Islamic bank provides products that conform to sharia. When world financial crisis happened, it did not constrain Islamic banking due to its interest free system. However, in Indonesia, the growth of Islamic bank assets is still in the tenth rank with less than five percent of market share. Customers are still in doubt of its professionalism. Superiority in products and service quality remains in sufficient for customer satisfaction and loyalty. The data sets in this research were analyzed by using path analysis for testing the direct impact and sobel test for indirect impact. The result shows that Islamic bank service quality in Indonesia impacts customer satisfaction and loyalty. However, customer satisfaction does not impact customer loyalty, both directly and indirectly. It means that customers are still dissatisfied with the services provided by Islamic banks. This research recommends strategies for improving service quality and consumer confidence on the distinction of Islamic banking system. DOI:  10.15408/aiq.v10i2.7135","PeriodicalId":53340,"journal":{"name":"AlIqtishad Jurnal Ilmu Ekonomi Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-03-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46946438","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 53
Who Co-Moves The Islamic Stock Market of Indonesia -The US, The UK, or Japan? 是美国、英国还是日本共同推动了印尼的伊斯兰股市?
AlIqtishad Jurnal Ilmu Ekonomi Syariah Pub Date : 2018-03-03 DOI: 10.15408/aiq.v10i2.7288
M. Majid
{"title":"Who Co-Moves The Islamic Stock Market of Indonesia -The US, The UK, or Japan?","authors":"M. Majid","doi":"10.15408/aiq.v10i2.7288","DOIUrl":"https://doi.org/10.15408/aiq.v10i2.7288","url":null,"abstract":"This paper explores the dominance of world Islamic stock markets of Japan, the UK, and the US over the Islamic stock market of Indonesia. Daily Islamic stock indices of the UK, the US, Japan and Indonesia over the period 2000 to 2016 are utilized in the study. Both bivariate and multivariate Granger causalities based on Vector Error Correction Model (VECM) framework are adopted to empirically identify the co-movements among these Islamic stock markets. The study found that the Islamic stock markets of Indonesia, the UK, Japan, and the US are moving towards a greater level of integration. The Japanese Islamic stock market dominantly co-moved the Indonesian Islamic stocks, as compared to the UK and the US Islamic stock markets both in the bivariate and multivariate frameworks. This further implies that any developments in the Japanese financial market have to be given more consideration by the Indonesian authority in designing policy to stabilize and promote its Islamic stock market. DOI: 10.15408/aiq.v10i2.7288","PeriodicalId":53340,"journal":{"name":"AlIqtishad Jurnal Ilmu Ekonomi Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-03-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45049791","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
Strategy of BAZNAS and Laku Pandai For Collecting and Distributing Zakah in Indonesia BAZNAS和Laku Pandai在印度尼西亚收集和分发Zakah的策略
AlIqtishad Jurnal Ilmu Ekonomi Syariah Pub Date : 2018-03-03 DOI: 10.15408/aiq.v10i2.6943
Kartika Andiani, Didin Hafidhuddin, I. Beik, Khalifah Muhamad Ali
{"title":"Strategy of BAZNAS and Laku Pandai For Collecting and Distributing Zakah in Indonesia","authors":"Kartika Andiani, Didin Hafidhuddin, I. Beik, Khalifah Muhamad Ali","doi":"10.15408/aiq.v10i2.6943","DOIUrl":"https://doi.org/10.15408/aiq.v10i2.6943","url":null,"abstract":"As an important and potential instrument for national development, Zakah will continue to require development innovations. One of the innovation is through cooperation between BAZNAS and Laku Pandai which aims to achieve Zakah inclusion so that the collection and distribution of Zakah in Indonesia can increase. This cooperation is still relatively young so the implementation still needs to identify the problem and strategy. This study aims to analyze the strategic priorities for BAZNAS in running cooperation with Laku Pandai. This study used SWOT-ANP method with respondents as many as five expert respondents. The strategies derived from this research are the result of the formulation of a combination of SWOT factors. The main findings of this study indicate that the main priority of the overall strategy is strengthening the synergy of BAZNAS with the Laku Pandai of sharia banking. The results of this study can be a reference for BAZNAS and Laku Pandai in formulating implementation strategies for this cooperation. DOI:  10.15408/aiq.v10i2.6943","PeriodicalId":53340,"journal":{"name":"AlIqtishad Jurnal Ilmu Ekonomi Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-03-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41510621","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 24
Testing of The Gold’s Role as a Safe Haven and Hedge for Sharia Stocks in Indonesia 检验黄金作为印尼伊斯兰教股票的避险工具和对冲工具的作用
AlIqtishad Jurnal Ilmu Ekonomi Syariah Pub Date : 2018-02-06 DOI: 10.15408/aiq.v10i2.6527
R. Robiyanto
{"title":"Testing of The Gold’s Role as a Safe Haven and Hedge for Sharia Stocks in Indonesia","authors":"R. Robiyanto","doi":"10.15408/aiq.v10i2.6527","DOIUrl":"https://doi.org/10.15408/aiq.v10i2.6527","url":null,"abstract":"Gold as a commodity, since ancient time, is always viewed as a safe haven asset. This study tested the function of gold as a safe haven and hedge for sharia stocks in Indonesia. Data used in this study are a monthly closing of Jakarta Islamic Index (JII) on Indonesia Stock Exchange and monthly closing price of gold in the international market during May 2008 until September 2017. Data analysis was done by using OLS and QREG. The result of this study is gold can serve as a hedge for sharia stocks in Indonesia during the research period. The study further found that when extreme shocks occur in the Indonesian stock market, gold can serve as a safe haven asset for sharia stocks in Indonesia. Investor suggested shifting their assets into gold to secure their investment when stock market conditions experience a drastic decline. DOI: 1 0.15408/aiq.v10i2.6527","PeriodicalId":53340,"journal":{"name":"AlIqtishad Jurnal Ilmu Ekonomi Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-02-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42166503","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 22
Spin Off Feasibility Study of Sharia Financing Unit: Study in Adira Finance Sharia融资机构分拆可行性研究——以Adira Finance为例
AlIqtishad Jurnal Ilmu Ekonomi Syariah Pub Date : 2018-01-30 DOI: 10.15408/aiq.v10i2.5781
Lita Wulandari, H. Siregar, H. Tanjung
{"title":"Spin Off Feasibility Study of Sharia Financing Unit: Study in Adira Finance","authors":"Lita Wulandari, H. Siregar, H. Tanjung","doi":"10.15408/aiq.v10i2.5781","DOIUrl":"https://doi.org/10.15408/aiq.v10i2.5781","url":null,"abstract":"The Financial Services Authorization (OJK) as the regulator of the finance industry has issued a policy set forth in the POJK. 28 / POJK.05 / 2014 which explains that multi-finance which has sharia portfolio as much as 50% from total business or five years from POJK is lawfully obliged to do spin-off sharia. With this policy, sharia business unit can be more focus on business development. Through this research will be analyze the feasibility of sharia financing business unit in fulfilling the aspect of separation of business unit (spin-off). Beside by observation, deep interview with Sharia Supervisory Board (DPS) and literature review, the research also use ARIMA and Double Smoothing Exponential to forecast market and financial aspect. Based on the research results sharia financing unit of Adira Finance has the ability to be spin off. But it should be noted from technology and human resources aspects. DOI:  10.15408/aiq.v10i2.5781","PeriodicalId":53340,"journal":{"name":"AlIqtishad Jurnal Ilmu Ekonomi Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-01-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41943765","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 5
Cover Vol. 10 (1), January 2018 封面10卷(1)，2018年1月
AlIqtishad Jurnal Ilmu Ekonomi Syariah Pub Date : 2018-01-01 DOI: 10.15408/AIQ.V10I1.6485
Jurnal Al-Iqtishad
{"title":"Cover Vol. 10 (1), January 2018","authors":"Jurnal Al-Iqtishad","doi":"10.15408/AIQ.V10I1.6485","DOIUrl":"https://doi.org/10.15408/AIQ.V10I1.6485","url":null,"abstract":"","PeriodicalId":53340,"journal":{"name":"AlIqtishad Jurnal Ilmu Ekonomi Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67089822","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Lowly or Negative Benchmark Rates Bandwagon: Any Risk Implications for Islamic banks? 低基准利率或负基准利率潮流:对伊斯兰银行有何风险影响?
AlIqtishad Jurnal Ilmu Ekonomi Syariah Pub Date : 2018-01-01 DOI: 10.15408/aiq.v10i1.6121
Jamshaid Anwar Chattha, Syed Musa Bin Syed Jaafar Alhabshi
{"title":"Lowly or Negative Benchmark Rates Bandwagon: Any Risk Implications for Islamic banks?","authors":"Jamshaid Anwar Chattha, Syed Musa Bin Syed Jaafar Alhabshi","doi":"10.15408/aiq.v10i1.6121","DOIUrl":"https://doi.org/10.15408/aiq.v10i1.6121","url":null,"abstract":"To stimulate the economy, regulators across all jurisdictions have been taking unconventional approaches. Thus, in recent years, the management of benchmark rates (or interest rates) has received considerable prominence in the banking sector due to some reasons including supervision banks' benchmark rates under Basel II. This paper reviews the possible dysfunctional implications of lowly and/or negative rates and provides a risk management and regulatory perspective for Islamic banks. These consequences call for a better risk management with appropriate tools and effective supervisory oversight. It hoped that the initial discussion presented in this paper on the implications and controls invites a broader debate on this issue in the Islamic financial services industry. DOI: 10.15408/aiq.v10i1.6121","PeriodicalId":53340,"journal":{"name":"AlIqtishad Jurnal Ilmu Ekonomi Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47883635","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 2
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