https://ejournal.unida.gontor.ac.id/index.php/altijarah <p><strong>Al Tijārah </strong>(<strong><a href="https://issn.brin.go.id/terbit/detail/1463294722">E-2528-2948</a></strong> and <strong><a href="https://issn.brin.go.id/terbit/detail/1434080661">P-2460-4089</a></strong>) is a semiannual journal published by University of Darussalam Gontor. Al Tijarah have collaborated with <strong><a href="https://drive.google.com/file/d/1pYmdq6x93w4iqOWoIjiWdyFB3LwHA8PS/view?usp=sharing">World Academy of Islamic Management (WAIM) Malaysia</a></strong>, <strong><a href="https://drive.google.com/file/d/1QILmkB7q0N_n3pIFa_moVYGuShpYZcn3/view?usp=sharing">Forum Pengelola Jurnal Manajemen</a></strong>, and <strong><a href="https://drive.google.com/file/d/1xCF-YNBA-_uE1LnBAOOeLQse9X12AnP2/view?usp=sharing">Forum Manajemen Indonesia</a></strong>. In line with the objective of the University, the journal is committed to promoting and developing contemporary issues in Islamic management. In the broadest sense, in order to keep scholars on research in the area of management. The editorial board welcomes original submissions in several fields:<br />1. Islamic Management<br />2. Islamic Finance<br />3. Islamic Human Resource Management<br />4. Islamic Marketing<br />5. Operational Management<br />6. Islamic Strategic Management<br /><br />Al Tijarah is currently indexed by <strong><a title="DOAJ" href="https://doaj.org/toc/2528-2948?source=%7B%22query%22%3A%7B%22filtered%22%3A%7B%22filter%22%3A%7B%22bool%22%3A%7B%22must%22%3A%5B%7B%22term%22%3A%7B%22index.issn.exact%22%3A%222528-2948%22%7D%7D%2C%7B%22term%22%3A%7B%22_type%22%3A%22article%22%7D%7D%5D%7D%7D%2C%22query%22%3A%7B%22match_all%22%3A%7B%7D%7D%7D%7D%2C%22from%22%3A0%2C%22size%22%3A100%7D" target="_blank" rel="noopener">DOAJ</a></strong>, <strong><a title="Google Scholar" href="https://scholar.google.co.id/citations?user=q0AbH_gAAAAJ&amp;hl=en" target="_blank" rel="noopener">Google Scholar</a></strong>, <a href="https://garuda.kemdikbud.go.id/journal/view/10463"><span style="text-decoration: underline;"><strong>Garuda</strong></span></a>, <strong><a title="Crossref" href="https://search.crossref.org/?q=al+tijarah&amp;from_ui=yes" target="_blank" rel="noopener">Crossref</a></strong>, <strong><a href="https://www.base-search.net/Search/Results?lookfor=http%3A%2F%2Fejournal.unida.gontor.ac.id%2Findex.php%2Faltijarah&amp;l=en&amp;refid=dcsuggesten" target="_blank" rel="noopener">BASE</a>,</strong> <a href="http://sinta2.ristekdikti.go.id/journals/detail?id=1611" target="_blank" rel="noopener"><strong>Sinta 4</strong> </a>and other reputated indexes in the future. </p> <p>Authors are welcome to publish research results and other articles by English in the Al Tijarah journal by following the existing the <strong><a href="https://docs.google.com/document/d/1qQf5tA1pWo-knkrgMXicsTlfd1YxmkxW/edit?usp=sharing&amp;ouid=111884657473436056411&amp;rtpof=true&amp;sd=true">format guidelines</a></strong>. This journal routinely publishes articles twice a year every June and December.</p> <p><strong>Announcements</strong></p> <p>CALL FOR PAPERS<br />Volume 11 Issue 1 - June 2025</p> <p>Invites Research Articles in All Categories of Management Studies.</p> <p>For online submission in <a href="https://ejournal.unida.gontor.ac.id/index.php/altijarah/about/submissions">https://ejournal.unida.gontor.ac.id/index.php/altijarah/about/submissions</a> <br />Information : +62 812-1749-2109 </p> University of Darussalam Gontor en-US Al Tijarah 2460-4089 The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Al Tijarah journal and Departement of Management, Faculty of Economics and Management, University of Darussalam as publisher of the journal. https://ejournal.unida.gontor.ac.id/index.php/altijarah/article/view/15372 <p>This study was conducted to determine the influence of loan amount and loan tenure on financing risk from the perspective of Sharia business. The research employed a quantitative approach. The population of this study consisted of PNM Mekaar customers in Jatimulyo Subdistrict, Jati Agung District. Data were collected using a purposive sampling technique involving 100 respondents. The criteria for respondents included being female, at least 20 years of age, and having been a customer for a minimum of one year. The analytical technique used was multiple linear regression to examine the relationship between the independent variables and the dependent variable, with the assistance of Smart-PLS 4 software. The findings indicate a positive and significant relationship between loan amount and loan tenure on financing risk within the Sharia business perspective.</p> Djoko Prihatin Fathorrahman Reza Ramadhania Copyright (c) 2025 Al-Tijarah 2025-12-05 2025-12-05 11 2 6 12 https://ejournal.unida.gontor.ac.id/index.php/altijarah/article/view/15263 <p><em>Many low-income communities still lack access to formal financial services, even though financial inclusion is a key component in driving inclusive and equitable economic growth. In a predominantly Muslim society, Islamic finance offers a potential alternative because it operates based on the principles of fairness, transparency, and the prohibition of usury, which align with the community's religious values. This study aims to analyze the role of Islamic finance in increasing financial inclusion among lower-middle-class communities in East Lampung Regency. This study used a qualitative approach with descriptive methods, obtaining data through in-depth interviews, observations, and documentation studies with lower-middle-class communities and managers of Islamic financial institutions in East Lampung. The results indicate that Islamic finance plays a significant role in expanding public access to financial services through institutions such as Baitul Maal wat Tamwil (BMT) and Islamic cooperatives, which provide savings products, microfinance, and productive zakat and infaq programs. However, further efforts are needed to improve financial literacy, strengthen the infrastructure of Islamic financial institutions, and digitize Islamic financial services so that its benefits can be felt more widely and equitably</em></p> Pipit Afifah Copyright (c) 2025 Al-Tijarah 2025-11-09 2025-11-09 11 2 1 5 10.21111/at.v11i2.15263