V o l. V II (2), Ju ly 2015 A L -IQ T ISH A D ISSN: 2087-135X E-ISSN: 2407-8654 VOL. VII (2), JULY 2015 ISSN: 2087-135X E-ISSN: 2407-8654 Al Iqtishad is a peer-reviewed journal published by Faculty of Shariah and Law Syarif Hidayatullah State Islamic University Jakarta in cooperation with The Indonesian Association of Islamic Economist. This journal focused on Islamic Economics and Finance studies. The journal is published twice a year on January and July. The aim of the journal is to disseminate the Islamic economics and finance researches done by researchers both from Indonesian and overseas. The journal is accredited by the Directorate General of Higher Education Ministry of National Education and Culture The Republic of Indonesia No. 040/P/2014 Jo u rn al o f I sl a m ic E co n o m ic s Jo u rn al o f Isla m ic Eco n o m ics Published by Faculty of Shariah and Law Syarif Hidayatullah State Islamic University Syarif Hidayatullah Jakarta in cooperation with The Indonesian Association of Islamic Economist CONTENT The Impact of Financial Liberalization on Islamic Banks's Efficiency in Indonesia Wiwiek Rabiatul Adawiyah Effects of Service Quality, Customer Trust, and Customer Religious Commitment on Customer Satisfaction and Loyalty of Islamic Banks in East Java Rachmad Hidayat, Sabarudin Akhmad, Machmud Peer Group Effects on Moslem Consumer's Decision To Purchase Halal-Labeled Cosmetics Muniaty Aisyah The Intellectural Capital Effect on Financial Performances at Islamic Insurance Rizqon Halal Syah Aji & Kurniasih Capital Market Integration: Palestine and Israeli Experience Tulus Suryanto & Abdul Razak Abdul Hadi The Effect of Productive Zakah Mentoring on The Wealth of Mustahik Rizky Andriati & Nurul Huda The Image of Financial Institution as Islamic Bank in Mediation Service Quality and Customer Satisfaction on Customer Loyalty in Purwokerto Chandra Warsito Financial Ratio and Its Influence to Profitability in Islamic Banks Erika Amelia Human Resources Development of Sharia Banking: Phenomenological Approach Burhanuddin Yusuf Application of Pattern of Islamic State Revenue Policy to Improve The Ability of Indonesia's Fiscal Any Setianingrum AL-IQTISHAD Journal of Islamic Economics Volume VII (2), July 2015 The Journal is published by Faculty of Shariah and Law Syarif Hidayatullah State Islamic University Jakarta in coorporation with The Indonesian Association of Islamic Economist. This journal focused on Islamic Economics and Finance studies. The Journal is published twice a year on January and July. Editor in Chief M. Nur Rianto Al Arif Vice Editor Maman Rahman Hakim Sofyan Rizal A. Chairul Hadi Languange Editor Ummi Kultsum Layout and Typesetting Farhan Mustofa Secretariat Ahmad Sumedi Fitriadi Reviewer Muhammad Amin Suma (UIN Syarif Hidayatullah Jakarta) Fathurrahman Djamil (UIN Syarif Hidayatullah Jakarta) Asep Saepudin Jahar (UIN Syarif Hidayatullah Jakarta) Amiur Nuruddin (IAIN Sumatera Utara) Didin Hafidudhin (Universitas Ibn Khaldun) Djoni Hartono (Universitas Indonesia) Ahmad Hidayat Buang (Universiti Malaya Malaysia) Margareth Gfrerer (DAAD, Germany) Ahmad Mujahiddin (UIN Suska Riau) Md. Sujimon (Kolej Pengajian Islam Johor Malaysia) Ashraf MD Hasyim (ISRA, Malaysia) Abdurrahman Haqqi (Universitas Islam Brunei) M. Hudaib (Adam Smith Business School, Glasgow Univ.UK) Editorial Office Faculty of Shariah and Law Syarif Hidayatullah State Islamic University Jakarta Jl. Ir. H. Juanda 95, Ciputat, South Tangerang, Banten -15412-. Phone (+6221) 74711537, Fax. (+6221) 7491821 Website: www.journal.uinjkt.ac.id; Email: editor.iqtishad@yahoo.com CONTENT 141 The Impact of Financial Liberalization on Islamic Banks’s Efficiency in Indonesia Wiwiek Rabiatul Adawiyah 151 Effects of Service Quality, Customer Trust, and Customer Religious Commitment on Customer Satisfaction and Loyalty of Islamic Banks in East Java Rachmad Hidayat, Sabarudin Akhmad, Machmud 165 Peer Group Effects on Moslem Consumer’s Decision To Purchase Halal- Labeled Cosmetics Muniaty Aisyah 181 The Intellectural Capital Effect on Financial Performances at Islamic Insurance Rizqon Halal Syah Aji & Kurniasih 197 Capital Market Integration: Palestine and Israeli Experience Tulus Suryanto & Abdul Razak Abdul Hadi 207 The Effect of Productive Zakah Mentoring on The Wealth of Mustahik Rizky Andriati & Nurul Huda 217 The Image of Financial Institution as Islamic Bank in Mediation Service Quality and Customer Satisfaction on Customer Loyalty in Purwokerto Chandra Warsito 229 Financial Ratio and Its Influence to Profitability in Islamic Banks Erika Amelia 241 Human Resources Development of Sharia Banking: Phenomenological Approach Burhanuddin Yusuf 251 Application of Pattern of Islamic State Revenue Policy to Improve The Ability of Indonesia’s Fiscal Any Setianingrum 00_Iqtishad2015Hijau_ok 1: 2014 Hijau 01_Daftar Isi_ok