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All Journal Jurnal Manajemen dan Agribisnis IQTISHODUNA El Dinar Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat Falah : Jurnal Ekonomi Syariah al-Uqud : Journal of Islamic Economics Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam Shirkah: Journal of Economics and Business Journal of Islamic Monetary Economics and Finance International Journal of Financial, Accounting, and Management Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Journal of Sustainable Tourism and Entrepreneurship Annals of Management and Organization Research Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Pusat Inovasi Masyarakat Annals of Human Resource Management Research Ekonomi Islam Indonesia Journal of Islamic Economic Literatures International Journal of Waqf Review on Islamic Accounting Islamic Social Finance Halal Tourism and Pilgrimage Islamic Economics Methodology Bukhori: Kajian Ekonomi dan Keuangan Islam The Economic Review of Pesantren Islamic Marketing Review Accounting and Sustainability Business and Sustainability Policy Brief Pertanian, Kelautan, dan Biosains Tropika Halal Studies and Society Dirham: Journal of Sharia Finance and Economics
Mohammad Iqbal Irfany
Department Of Islamic Economics, Faculty Of Economics And Management, IPB University, Bogor, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Environmental Science Library & Information Science Social Sciences Other

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The Effect of Internal and External Factors on the Proportion of MSME Sector Financing in Sharia Business Units in Indonesia Rahmawati, Siti; Fitri, Resfa; Alim, Ahmad Syahirul; Irfany, Mohammad Iqbal
Review on Islamic Accounting Vol. 5 No. 2 (2025): Review on Islamic Accounting
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/ria.v5i2.689

Abstract

This paper aims to analyze the response of the proportion of MSME financing in Sharia Business Units in Indonesia to internal and external factor shocks. Additionally, it seeks to determine the contribution of each factor to the diversity of MSME financing proportions. This study employs the Vector Error Correction Model (VECM). The Covid-19 pandemic is included as an exogenous dummy variable. The analysis uses monthly data from January 2019 to December 2024, sourced from the Sharia Banking Statistics published by the Financial Services Authority (OJK). The study found that Third Party Funds, Operational Expenses to Operational Income, and the BI rate have a positive impact on MSME financing proportions in UUS. Conversely, Non Performing Financing (NPF), Return on Assets (ROA), Gross Domestic Product (GDP), Bank Indonesia Sharia Certificate (SBIS) exhibit a negative impact. The MSME financing proportion itself is the most dominant factor in financing variability, followed by NPF, BOPO, GDP, BI rate, SBIS, ROA, and DPK. This finding represents the supply side, referring to banks as financing providers. To obtain a more comprehensive perspective, further analysis is needed from the demand side by considering the characteristics of MSMEs as financing recipients. This area of research remains relatively underexplored, which is mandated to allocate at least 30% of its financing to the MSME sector, although actual disbursement remains around 10%.
Sharia hotel preferences among tourists in Bogor City: Factors and insights Luthfiana, Alda; Wiliasih, Ranti; Irfany, Mohammad Iqbal; Haq, Daffa Aqomal
Journal of Sustainable Tourism and Entrepreneurship Vol. 4 No. 1 (2022): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v4i1.1654

Abstract

Purpose: The objective of this study is to examine the factors influencing consumer demand for Sharia hotel services in Bogor City and their characteristics to provide invaluable guidance for related parties. Research Methodology:  This study employs descriptive and multiple regression analyses using data collected from Sharia hotel consumers in Bogor City using a convenience sampling technique with 59 samples. Results: The results show that consumers of Sharia hotels in Bogor City use conventional hotel services more often than Sharia hotels. The factors influencing tourists’ use of Sharia hotel services in Bogor City are the relative prices of Sharia hotels to conventional hotels, knowledge, religiosity, service quality, and facilities owned by Sharia hotels. Limitations: The study is geographically confined to three specific Sharia hotels in Bogor City: Sahira Hotel, Sahira Butik Hotel Bogor, and Sahira Butik Hotel Pakuan, which may not be representative of sharia hotels in other regions. Contributions: Offers insights into consumer behavior in Bogor City's Sharia hotel sector, aiding future business and policy decisions in halal tourism.
How different believers’ perceptions of choosing halal hotels an empirical analysis of non-muslim customers in Jakarta Ulfa, Nadiya; Arsyianti, Laily Dwi; Irfany, Mohammad Iqbal; Haq, Daffa Aqomal
Journal of Sustainable Tourism and Entrepreneurship Vol. 4 No. 1 (2022): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v4i1.1664

Abstract

Purpose: The primary objective of this study was to understand the factors that influence non-Muslim clients' perceptions of halal hotels in DKI Jakarta, Indonesia. Research Methodology:  Data were collected using questionnaires from 95 hotel guests in the DKI Jakarta region. Descriptive analysis and logistic regression were employed as analytical methods. Results: The results of the logistic regression revealed that education level and cost of hotel stay are significant determinants of non-Muslim consumers' selection of halal hotels. Limitations: This study was limited by its sample size of 95 visitors and geographical restrictions on the DKI Jakarta area. These variables may have affected the generalizability of our results. Contributions: This research enriches the halal tourism domain by elucidating non-Muslim guests' views on halal hotels and offering invaluable guidance for hoteliers, tourism entities, and policymakers to expand their target clientele in halal travel. Novelty: The novelty of this study lies in its focus on non-Muslim consumer perceptions, providing empirical evidence on how education and price influence hotel selection in the context of halal tourism.
Bibliometric Analysis on Islamic and Conventional Money Demand Ramadhini, Fiona; Irfany, Mohammad Iqbal
Ekonomi Islam Indonesia Vol. 5 No. 2 (2023): Ekonomi Islam Indonesia
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/eii.v5i2.295

Abstract

The Islamic finance industry in the world has been snowballing in the last ten years. In its implementation, the Islamic financial system does not use an interest rate system but uses a profit-sharing system. The increase in global Islamic financial assets is in line with the theory that states that the profit-sharing system is better than the interest system because the Islamic money demand model, which uses the profit-sharing system, tends to be more resistant to shocks compared to the conventional money demand model which uses the interest system. This research aims to prove the validity of this theory. By using the method of bibliometric, the author found 391 studies that discussed "Islamic and Conventional Money Demand". The results show that there are 5 cluster which have become research paths, namely the Economic Policy Framework and Financial Analysis, Real Sector Activities, Economic Research Matrix, Financial Governance in Dual Banking Systems, and Money Markets.
Muslim Consumers' Purchasing Decisions on Halal Food Products Using Online Delivery Services During the Covid-19 Pandemic: Lessons from Bogor City, Indonesia Shatrie, Firly Mariska; Wiliasih, Ranti; Irfany, Mohammad Iqbal; Haq, Daffa Aqomal
Dirham: Journal of Sharia Finance and Economics Vol. 1 No. 2 (2025): July
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/josfe.v1i2.3809

Abstract

Purpose: This study aims to explore the factors influencing halal food consumption and purchasing decisions during the COVID-19 pandemic in Bogor City, Indonesia, focusing on the impact of religious beliefs, health consciousness, and safety concerns. Methods: A quantitative approach was employed, utilizing a survey conducted with 200 consumers in Bogor City. Data were collected using a structured questionnaire and analyzed using SPSS for descriptive statistics and regression analysis. Results: The results show that religious beliefs significantly affect halal food purchasing decisions, with health consciousness and safety concerns also playing a vital role. The pandemic heightened the importance of food safety and health among consumers, influencing their purchasing behavior. Conclusion: The findings suggest that halal food consumption is strongly influenced by religious factors, while health-related concerns have gained prominence during the pandemic. This highlights the growing importance of safety and quality in consumers' decision-making processes. Limitation: The study is limited to Bogor City, which may not fully represent other regions in Indonesia. Additionally, the sample size of 200 respondents may not capture the diversity of the broader population. Contribution: This study contributes to the understanding of consumer behavior in the context of halal food and provides valuable insights for businesses in the food industry to adapt their strategies in the post-pandemic era, particularly in Muslim-majority countries.
Factors affecting household debt to moneylenders Mustika Mustika; Neneng Hasanah; Mohammad Iqbal Irfany
Annals of Human Resource Management Research Vol. 3 No. 1 (2023): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v3i1.1578

Abstract

Purpose: Moneylenders, sometimes called 'loan sharks' because of their high interest rates, are informal financial institutions that offer loans that are not in accordance with Islamic law. This study analyzes the factors that influence household behavior regarding debt to moneylenders. Research Methodology: This study employs descriptive and logistic regression analyses using primary data collected from locals in the Jagapura village, Cirebon. Results: The results indicate that basic household necessities determine debt behavior. However, Islamic financial literacy and increased income present effective solutions for moneylenders to overcome debt. Conclusions: This study finds that living necessities, Islamic financial literacy, and income significantly impact household debt to moneylenders. It recommends that Islamic financial institutions offer interest-free loans and collaborate with village governments to promote Sharia-compliant solutions. Limitations: This study is based on primary data from a specific village in Cirebon, Jagapura, which may not be representative of all households in debt to moneylenders in other regions or settings. Contributions: This study suggests that Islamic financial institutions should assist unbankable communities in need of funds for daily expenses by performing social functions, such as offering interest-free loans (qardhul hasan) and providing Islamic social finance. The establishment of sharia-compliant savings and loans could also be a solution to usury-related issues.
Optimalisasi Budidaya Talas Pratama 3 melalui Demonstration Plot untuk Peningkatan Produktivitas Petani di Kelurahan Situ Gede, Kota Bogor Sherly Eka Maulidiya; Edi Santosa; Handian Purwawangsa; Mohammad Iqbal Irfany; Danang Aria Nugroho; Ranti Wiliasih; Ahmad Fadli Alghifari; Muhammad Afif Fathin Ridho; Desvita Resti Faniqotuni'mah
Agrokreatif: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 12 No. 2 (2026): Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/agrokreatif.12.2.199-209

Abstract

The Pratama 3 Taro cultivation optimization program was implemented through a demonstration plot (demplot) approach as a technology-transfer method to increase farmers' capacity in Situ Gede Village, Bogor City. This activity involved 16 farmers from the Saluyu Adult Farmers Group (KTD) and the Geulis Women Farmers Group (KWT) as partners. The implementation method consisted of three main stages, namely land preparation and cultivation demonstration plots, Good Agricultural Practices (GAP) training, and periodic mentoring and monitoring. Data were collected through observation, interviews, and surveys using questionnaires, then analyzed descriptively and quantitatively. The results of the demonstration plot implementation showed an increase in vegetative growth of taro plants up to the 14th WAP phase with an average tuber weight of 1,335 g and productivity reaching 26.7 tons per hectare. Regarding changes in farmer capacity, 93.75% of participants reported increased knowledge, 62.5% reported changes in cultivation techniques, and 68.75% reported increased harvest yields of ≥30%. In addition, product prices increased, and market access improved after the program intervention. These findings indicate that demonstration plots as a participatory learning medium are effective in encouraging technology adoption and increasing the productivity of Talas Pratama 3. This program has the potential to be implemented more widely with further support for post-harvest and marketing aspects to enhance farmers' economic sustainability.
Determinants of Underwriting Surplus of Tabarru’ Funds in Sharia Life Insurance Companies and Business Units in Indonesia Muti’ah Hajar Izzati; Resfa Fitri; Mutiara Probokawuryan; Mohammad Iqbal Irfany
Review on Islamic Accounting Vol. 6 No. 1 (2026): Review on Islamic Accounting
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/ria.v6i1.744

Abstract

The surplus underwriting of tabarru’ funds is a crucial indicator for measuring the effectiveness and sustainability of Islamic life insurance companies’ operations. A well-performing Islamic life insurance company can be identified by its ability to generate a surplus underwriting. However, several companies have experienced underwriting deficits, indicating suboptimal management of participants' funds. This study aims to analyze the development of surplus underwriting in Islamic life insurance in Indonesia and the factors influencing it, using a panel data regression approach. The results, based on the Fixed Effect Model approach, show that all variables simultaneously have a significant effect on surplus underwriting. Partially, premium income and inflation have a significant positive effect on surplus underwriting, while investment returns, claims, and interest rates do not show a significant influence. These findings highlight the importance of strengthening participant fund management strategies to ensure the sustainability of surplus underwriting in tabarru’ funds.
Determinants of Liquidity Risk in the Banking System: A Systematic Literature Review Muhammad Fikra Yafi Ulhaqqi; Mohammad Iqbal Irfany
Journal of Islamic Economics Literatures Vol. 7 No. 1 (2026): Journals of Islamic Economics Literatures
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/jiel.v7i1.648

Abstract

Post-2008, managing liquidity risk—banks' ability to meet short-term obligations without major losses—has become crucial. Regulatory measures like Basel III's LCR and NSFR emerged to ensure stability. With the rise of fintech, understanding liquidity determinants is increasingly relevant for stability. This review analyzes primary determinants of liquidity risk in the banking sector, examining systematic (macroeconomic and policy-driven) and non-systematic (bank-specific) factors. It also evaluates the impact of digital banking and fintech innovations on liquidity management to inform effective risk strategies. A systematic literature review (SLR) of 30 empirical studies most relevant published from 2010 to 2024 was conducted, examining factors such as non-performing loan (financing), capital adequacy, leverage, bank size, profitability, and corporate governance. Keywords used in this study are “Liquidity and Risk” or “Management and Bank” & "Determinants" or "Factors" and "Liquidity Risk" and "Bank*” or “Banking System" or “Banking Sector*”. Key liquidity risk drivers include bank size, capital buffers, macroeconomic factors, and regulatory frameworks like Basel III. Larger banks with diverse funding face lower risks, while smaller banks, especially in emerging markets, are more vulnerable. Liquidity risk is shaped by both internal and external factors. Larger, well-capitalized banks manage it more effectively, while fintech offers new tools that require careful risk oversight.
Determinants of Liquidity Risk in the Banking System: a Systematic Literature Review Muhammad Fikra Yafi Ulhaqqi; Noer Azam Achsani; Mohammad Iqbal Irfany
Jurnal Aplikasi Bisnis dan Manajemen Vol. 12 No. 2 (2026): JABM, Vol. 12 No. 2, May 2026
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.12.2.696

Abstract

Background: Post-2008, managing liquidity risk banks' ability to meet short-term obligations without major losses has become crucial. Regulatory measures like Basel III's LCR and NSFR emerged to ensure stability. With the rise of fintech, understanding liquidity determinants is increasingly relevant for stability.Purpose: This review analyzes primary determinants of liquidity risk in the banking sector, examining systematic (macroeconomic and policy-driven) and non-systematic (bank-specific) factors. It also evaluates the impact of digital banking and fintech innovations on liquidity management to inform effective risk strategies.Design/Methodology/Approach: A systematic literature review (SLR) of 30 empirical studies most relevant published from 2010 to 2024 was conducted, examining factors such as non-performing loan (financing), capital adequacy, leverage, bank size, profitability, and corporate governance. Keywords used in this study are “Liquidity and Risk” or “Management and Bank” & "Determinants" or "Factors" and "Liquidity Risk" and "Bank*” or “Banking System" or “Banking Sector*”.Finding/Result: Key liquidity risk drivers include bank size, capital buffers, macroeconomic factors, and regulatory frameworks like Basel III. Larger banks with diverse funding face lower risks, while smaller banks, especially in emerging markets, are more vulnerable. Fintech and digital banking support real-time liquidity management but raise cybersecurity concerns.Conclusion: Liquidity risk is shaped by both internal and external factors. Larger, well-capitalized banks manage it more effectively, while fintech offers new tools that require careful risk oversight. Basel III remains vital, and ESG considerations are influencing sustainable liquidity practices.Originality/value/research gap: Current research emphasizes integrating Basel III, fintech, and crisis management. Real-time tools like AI enhance liquidity management, although cybersecurity risks remain. ESG factors and the COVID-19 pandemic highlight the need for robust, sustainable liquidity frameworks. This research focuses on the role of technology advancement in liquidity risk management, which has not been widely explored in the context of emerging markets. Keywords:   bank liquidity management, basel III, emerging market, liquidity risk, technology advancement
Co-Authors Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana, Aam Slamet Aceng Hidayat Achsani, Muhammad Nur Faaiz Fathah Afiana, Riyyun Ahmad Fadli Alghifari Ahmad Izzuddin Ahmad syahirul Alim Aisyah, Tasya Nur Al Muharram, Muhammad Shiddiq Al Zahroh, Dina Naba Albajili, Abi Nubli Alda Luthfiana Alghifari, Ahmad Fadli Amirah, Nurul Anggini, Karlita Anggraini, Lilik Asep Nurhalim Aulia Nur Cahyani Cahyaningrum, Laeli Dyah Tantri Camara, Bumi Daffa Aqomal Haq Daffa Aqomal Haq Danang Aria Nugroho Desvita Resti Faniqotuni'mah Dharmarianti, Dian Putri Edi Santosa Eka Maulidiya, Sherly Erliza Noor Fadhila Meithasari Nurtjahjo Fitri, Resfa Fitriyatustany Fitriyatustany Handian Purwawangsa Haq, Daffa Aqomal Hasanah, Qoriatul Herlin, Herlin Hutajulu, Ivonia R. Ikhsana, Nadya Ramadhani Indah Sulistya Indriansyah, Albertty Intan Aulia Ardhani Irfan Syauqi Beik Isbayu, Muhammad Izzah, Hanifah Nurul JAENAL EFFENDI Laily Dwi Arsyianti Luthfiana, Alda Maulidiya, Sherly Eka Mayadis, Diki Candra Melinda, Vera Muhammad Afif Fathin Ridho Muhammad Afifuddin Abdurrosyid Kamil Muhammad Fikra Yafi Ulhaqqi Muhammad Fikra Yafi Ulhaqqi Muhammad Fikra Yafi Ulhaqqi Muhammad Wildan Syakuro Muslich, Muhammad Ayyub Mustika Mustika Mustika Mustika Muthohharoh, Marhamah Muti’ah Hajar Izzati Nadiya Ulfa Neneng Hasanah Neneng Hasanah Ningsih, Sri Rahayu Noer Azam Achsani Nur Wulan Nuraeni Nuraeni Nursyamsiyah, Tita Oktaviona, Winda Priyanto, Anindia Meil Probokawuryan, Mutiara Putri, Fatimah Iskandar Putri, Syifa Izzati Anzania Putri, Uly Anggraeni Qoriatul Hasanah Rafki, Muhammad Rahmawati, Nur Fajri Ramadhini, Fiona Ramadini, Kintan Nur Ramdhani, Arlita Ranti Wiliasih Ranti Wiliasih Rezkyarta, Alif Rosmala, Novia Setiawan, Alfianto Hendry Shatrie, Firly Mariska Sherly Eka Maulidiya Siti Rahmawati Sofina Mujadiddah Sri Rahayu Sri Rahayu Ningsih Susanto, Astiani Sutito, Yolanda M. M. Suwandi, Syifa Damaianti Syamsul Hidayat Pasaribu Tamaulina Br Sembiring Tiara Early Afifah Tieman, Marco Tita Nursyamsiah Tita Nursyamsiah, Tita Tsany, Fadhlan Tsany, Fadhlan Muhammad Ulfa, Nadiya Ulhaqqi, Muhammad Fikra Yafi Vitriara Ahsana Nadya Widya Syafitri Zidan, Muhamad