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All Journal JBTI : Jurnal Bisnis : Teori dan Implementasi SENTRALISASI Jurnal Hukum Ekonomi Syariah JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) Al Huquq : Journal of Indonesian Islamic Economic Law Jurnal Fokus Manajemen Bisnis Prosiding Seminar Nasional Program Pengabdian Masyarakat BISMA (Bisnis dan Manajemen) Jurnal Manajemen dan Pemasaran Jasa Al-Hiwalah : Journal Syariah Economic Law INJECT Interdisciplinary Journal of Communication
Indah Fatmawati
Universitas Muhammadiyah Yogyakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences

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Reconstructing Islamic Bank Liability for Underlying Asset Determination in Investment Products under POJK No. 4/2026 Indah Fatmawati; Leli Joko Suryono
Al-Hiwalah: Journal of Sharia Economic Law Vol. 5 No. 2 (2026): Al-Hiwalah : Journal Syariah Economic Law
Publisher : Department of Islamic Economic Law, Faculty of Sharia, Sultanah Nahrasiyah State Islamic University, Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/al-hiwalah.v5i2.7883

Abstract

This study examines and reconstructs the limits of Islamic banks’ liability for underlying asset determination in Islamic banking investment products under Financial Services Authority Regulation No. 4 of 2026. The legal problem arises from the unclear boundary between investment losses constituting reasonable business risks borne by Investor Customers and losses attributable to the bank’s professional misconduct. This normative-doctrinal legal research employs statutory, conceptual, and analytical approaches. Legal materials comprising legislation, fatwas, and scholarly literature are analyzed through systematic interpretation and prescriptive legal reasoning. The analysis produces three findings. First, POJK No. 4 of 2026 constructs Islamic banking investment products as restricted investments by linking the contract, investment amount, tenor, and return mechanism to identifiable productive underlying assets. Second, the allocation of investment risk to Investor Customers does not transfer all losses because Islamic banks remain subject to prudential, Sharia-compliance, disclosure, suitability, segregation, governance, and fiduciary obligations. Thus, Investor Customers bear losses arising from normal business performance, while Islamic banks remain liable for losses caused by improper asset determination, negligence, contractual or Sharia violations, conflicts of interest, fund commingling, inadequate disclosure, or supervisory failure. Third, the regulation requires a clearer mechanism to distinguish asset-performance risk from bank-caused loss. The study’s novelty lies in a three-stage liability model: prudent asset determination, trustworthy management and supervision, and liability and loss recovery. Its scientific contribution is a normative framework integrating risk sharing with Islamic banks’ fiduciary and professional responsibilities.
Greenwashing in Sustainability Communication: Effects on Green Trust, Green Confusion, and Green Brand Equity in the Indonesian Fast-Food Industry Bagus Ichsan Mahendra; Indah Fatmawati
INJECT (Interdisciplinary Journal of Communication) Vol. 11 No. 2 (2026)
Publisher : FAKULTAS DAKWAH UIN SALATIGA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/inject.v11i2.7128

Abstract

This study examines the effect of greenwashing on green brand equity through green trust and green confusion in Yogyakarta’s fast-food industry. Concerns over sustainability communication credibility have increased uncertainty regarding the alignment between corporate environmental claims and consumers’ perceptions of actual practices. The analysis applies the Stimulus-Organism-Response (S-O-R) framework to explain how consumers’ perceptions of environmental claims influence these variables. A quantitative research design was adopted, drawing on primary data derived from respondents’ answers to an online questionnaire. All constructs were operationalized and measured using a five-point Likert response scale. The study sample comprised 200 eligible respondents selected through a purposive sampling procedure within a non-probability sampling framework. The empirical model was analyzed using PLS-SEM in SmartPLS 4 through assessments of the measurement and structural models. Greenwashing weakens green trust and green brand equity while amplifying green confusion. Furthermore, the empirical evidence suggests that green trust contributes positively to the development of green brand equity, whereas green confusion exerts an adverse influence on this construct. In addition, the impact of greenwashing on green brand equity operates through two significant mediating mechanisms, namely green trust and green confusion, with the former exerting the greater mediating influence.
The Role of Workplace Environment in Shaping Workers' Innovative Behavior: Insights From Bibliometric Analysis Nisfatun Nabillah; Indah Fatmawati; Nuryakin Nuryakin
SENTRALISASI Vol. 14 No. 3 (2025): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v14i3.4222

Abstract

This study aims to analyze the role of the workplace environment in shaping innovative worker behavior. The method used in this research is a mixed method with a Literature Study (SLR) approach. The quantitative method in this research focuses on numerical or statistical data (e.g., number of publications, citation frequency, publication trends, and methodology trends). The qualitative method analyses the content of existing articles or literature (e.g., concepts, themes, and contexts underlying existing research). It identifies trends that may not be visible from mere numerical data. The data sources in this study were taken from the Scopus database and Google Scolar, which included the keywords “Workplace Environment” AND “Innovative Behaviour”. The study analyzed 79 articles published in reputable international journals from 2015-2023. The research found four main streams in the workplace environment and innovative behavior research: (1) a focus on individuals as agents of innovation, which dominated the 2015-2018 period; (2) an emphasis on the relationship between individuals and organizations that emerged in 2019-2020, where human resource management plays an essential role in supporting innovation; (3) attention shifted to organizations, focusing on collective innovation processes in 2021-2022; and (4); the most recent research (2023) again highlighted individuals as key catalysts of innovation, underlining the importance of the role of individuals in fostering creativity in the work environment. 
Co-Authors Abid Abiyyu Fathin Agung Sulistyo Bagus Ichsan Mahendra Bakhrul Fahmi Dita Kameilinda Junaedi Elsi Safira Fatikha Rizdiana Dewi Febrina Annisa Fauziyah Hussein Gibreel Musa Leli Joko Suryono Nafisah Arinilhaq Nisfatun Nabillah Nuryakin, Nuryakin Pensri Jaroenwanit