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EkBis: Jurnal Ekonomi dan Bisnis
Published by Universitas Islam Negeri Sunan Kalijaga Yogyakarta
ISSN : 25494988     EISSN : 25501267     DOI : https://doi.org/10.14421/EkBis
Core Subject : Economy,
Economics, Econometrics & Finance
EkBis: Jurnal Ekonomi dan Bisnis is an open access, peer reviewed journal, published by Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta. EkBis invites researchers, academics, and practitioners to publish their original, conceptual, theoritical, and empirical research regarding the ideas, issues and challenges of economics and business. The focus and scope of EkBis: Jurnal Ekonomi dan Bisnis will include but are not limited to: Economics: Islamic Economics; Behavioral Economics; Public Economics; Monetary Economics, Finance, and Banking; International Economics; Economic Development; Regional Economy; etc. Business: Islamic Business; Business Ethics; Business Activity; Business Behavior; Financial Technology, etc. Management: Islamic Business Management; Financial Management; Human Resource Management; International Business; Entrepreneurship; etc. Accounting: Islamic Accounting; Managerial Accounting; Accounting Information System; Taxation and Public Sector Accounting; Auditing; Financial Accounting; Behavioral accounting; etc.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 100 Documents
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Intention of Generation Z to Visit Halal Tourism Destination in West Java Mutmainah, Lu'liyatul; Andani, Listia; Taufik, Nuryanti
EkBis: Jurnal Ekonomi dan Bisnis Vol. 8 No. 2 (2024): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2024.8.2.2285

Abstract

Indonesia has great potential in the tourism sector, including halal tourism, such as in West Java. Technological developments and digitalization permeating various sectors can influence people's interest in traveling, including Generation Z. This study aims to analyze the factors affecting Generation Z's desire to visit halal tourism destinations in West Java. This study investigates the factors according to the Theory of Perceived Behavior or TPB (subjective norms, attitude towards behavior, and perceived behavioral control), spiritual considerations (religiosity), and digital promotion (electronic word-of-mouth). Furthermore, the study incorporates halal literacy as a moderating variable, assessing its impact on the TPB's influence on tourist intention to visit halal tourism destinations. This study employed an online questionnaire, collecting data from 219 respondents. The gathered data was subsequently analyzed using the Structural Equation Modeling-Partial Least Square (PLS-SEM). The findings reveal that perceived behavioral control, electronic world-of-mouth, and halal literacy have a significant and positive effect on Generation Z's interest in visiting halal tourism destinations in West Java. However, subjective norms, attitudes toward behavior, and religiosity did not have a significant effect. Moreover, halal literacy also failed to moderate the relationship between TPB and behavioral intention in this study. A strategy is needed to develop halal literacy combined with online media tools to promote halal tourism in West Java.
Economic Recovery Strategy: The Role of MSMEs Credit Access and Optimization of Regional Fiscal Stimulus in Islamic Economics Framework Prajasari, Anniza Citra; Wijayanti, Dwi Marlina
EkBis: Jurnal Ekonomi dan Bisnis Vol. 8 No. 2 (2024): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2024.8.2.2334

Abstract

This paper aims to analyze the determinants of economic recovery in North Sumatra using district-based panel data from 2020-2022 using the Random Effect Model. Several variables derived from the implications of fiscal and monetary policies such as MSME credit access, inflation, the effectiveness of income spending, poverty, unemployment rate, and human development index were used to analyze economic recovery as proxied by GRDP per capita. Our findings indicated that the position of MSMEs' credit and relative poverty have a significant positive effect on economic recovery in North Sumatra. Conversely, the unemployment rate and human development index have a significant negative effect on economic recovery in North Sumatra. Inflation and the effectiveness of income spending have an insignificant effect on economic recovery in North Sumatra. These findings recommend that the government and the central bank should support increased access to MSME credit in terms of regulations, the availability of bank financial institutions, and allocations. In addition, it is crucial to maintain the effectiveness and increase indirect budget allocations for social fund posts that can be integrated with Islamic Social Funds such as Zakat, Infaq, and Shadaqah to address poverty and unemployment challenges to improve the community’s quality of life and accelerate economic recovery in North Sumatra.
Examining the Determinants of Ecological Footprint in ASEAN-5 Countries Ashari, Nesha Rizky; Utama, Muhammad Budi; W., Irwan
EkBis: Jurnal Ekonomi dan Bisnis Vol. 8 No. 2 (2024): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2024.8.2.2337

Abstract

This study focuses on the ecological footprint as a crucial indicator for assessing the environmental impact of human activities, particularly in the manufacturing sector, household consumption, and agriculture in five ASEAN countries (Indonesia, Malaysia, Singapore, Thailand, and the Philippines). The novelty of this study lies in the empirical analysis of the relationship between the ecological footprint and major sectors in ASEAN countries using panel data for 22 years (2000–2022). This study uses panel data regression with moderating variables to test the interaction between independent variables and the ecological footprint. The findings indicate that the manufacturing sector has a significant effect on the ecological footprint. The manufacturing sector can reduce its ecological footprint by implementing energy efficiency technologies and using environmentally friendly raw materials. Meanwhile, household consumption does not have a direct effect, but under specific circumstances, it can affect the ecological footprint, particularly the consumption of goods or services that excessively utilize natural resources and are not readily recyclable. The agricultural sector tends to increase its ecological footprint due to inappropriate practices, such as forest burning for agricultural expansion. The conversion of natural land to agricultural land also increases the levels of hazardous substances such as nitrogen and phosphorus in the soil, which have a significant impact on the ecosystem. The findings of this study provide new insights into effective governance strategies to support sustainable development. This study demonstrates that governance plays a major role in managing ecological footprints, emphasizing the significance of government intervention. The implication of this study is the need for policies that support environmentally friendly practices to reduce ecological footprints in the ASEAN-5 countries.
Presenting a Smart Sukuk Model for Islamic Microfinance Institutions in Bangladesh: Towards Achieving SDGs Muhammad, Niaz Makhdum; Kassim, Salina; Mahadi, Nur Farhah Binti; Ali, Engku Rabiah Adawiyah Engku
EkBis: Jurnal Ekonomi dan Bisnis Vol. 8 No. 2 (2024): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2024.8.2.2278

Abstract

The Islamic bonds and debts, according to Islamic Shariah, are referred to as Sukuk, which provides cheaper and interest-free funding options for businesses and lower-risk bonds for individual investors. This study aims to present a novel fintech-based (Smart) SRI Sukuk model that can be useful for Islamic microfinance institutions (IMFIs) of Bangladesh in managing the source of funds. This study adopted a systematic literature review approach to assess the benefits of using Smart SRI Sukuk for IMFIs. In addition, 15 experts on Islamic finance were interviewed to determine the best possible ways to integrate technology into the SRI Sukuk model. The outcomes of this study have confirmed the effectiveness of using a blockchain and smart contract-based SRI Sukuk for managing the source funds of Islamic microfinance institutions in Bangladesh. The Smart SRI Sukuk can be immensely beneficial for IMFIs that always find it difficult to arrange the source funds and manage those in an efficient manner. This study also focuses on emancipating the poor from the vicious cycle of poverty through implementing Islamic microfinance system, and thus contributing to achieving the sustainable development goals (SDGs). Future researchers and experts in Islamic finance will also find the ideas presented in this research helpful.
The Effect of Internal Bank Aspects to Sharia Bank Performance with Financing Risk as Mediator Lestari, Nimas Dewi; Qanita, Ariza; Suyuti, Mufit; Prajawati, Maretha Ika; Ningtyas, Mega Noerman
EkBis: Jurnal Ekonomi dan Bisnis Vol. 8 No. 2 (2024): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2024.8.2.2279

Abstract

This study aims to examine the factors that affect financing risk and its influence on the financial performance (profit) of Islamic banking in Indonesia. The study includes an overview of internal conditions including capital elements and bank operating costs. This study uses a quantitative method with a path analysis approach. The object of study is Islamic general banking in Indonesia which is registered with the Financial Services Authority (OJK) for the 2019-2023 period. The sampling technique uses the purposive sampling technique with a total sample of 9 Islamic commercial banks in Indonesia. The results of this study show that CAR has a significant effect on NPF, OER does not have a significant effect on NPF, directly CAR and NPF do not have a significant effect on ROA, directly OER has a significant effect on ROA, indirectly through NPF, CAR and OER do not have a significant effect on ROA. The results of this study conclude that Islamic public banks in Indonesia must be able to efficiently manage capital reserves and company operating costs. This aims to maintain the stability of banking performance and ensure that Islamic banks can mitigate the level of risk that occurs in banking operational activities.
AI-Enhanced Risk-Return Optimization in Islamic and Conventional Banking Portfolios Nixon, Dyaghazi Abdurraffi; Banna, Hasan Al
EkBis: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2025.9.1.2414

Abstract

Portfolio risk assessment in Islamic versus conventional banking requires advanced analytical approaches due to complex market dynamics and regulatory differences. Traditional optimization methods often fail to capture non-linear relationships and volatility patterns inherent in these distinct banking sectors. This study introduces an AI-enhanced framework combining Monte Carlo simulation with Solver-based optimization to compare market risks and determine optimal portfolio weights between Islamic and conventional banking stocks. The methodological innovation lies in integrating Microsoft Excel's GRG nonlinear AI solver for real-time portfolio optimization, addressing limitations of conventional Markowitz models. Using 194 daily price observations from LQ45 and JII70 indices (January-October 2024), we analyzed four banking stocks (BRIS, BTPS, BBCA, BBRI) through Monte Carlo VaR simulation with 10,000 iterations and AI-driven optimization at 95% confidence level. Mann-Whitney tests confirmed significant differences between Islamic and conventional banking returns and risk profiles. Results reveal Islamic banking portfolios demonstrate significantly higher risk (VaR: -4.18%, potential loss: IDR 4,180,169) compared to conventional portfolios (VaR: -1.65%, potential loss: IDR 1,652,541). AI optimization yielded distinct allocation strategies: Islamic portfolio (45.4% BRIS, 54.5% BTPS) versus conventional portfolio (74.5% BBCA, 25.4% BBRI). This research provides the first AI-integrated comparative framework for Islamic-conventional banking risk analysis, offering quantitative evidence that challenges assumptions about Islamic banking stability. The study demonstrates practical applications of machine learning in portfolio management for emerging markets, providing actionable insights for different investor risk profiles while advancing methodological approaches in Islamic finance research.
Central Bank Digital Currencies and It’s Potential Impact on the Profitability and Systems Stability of Commercial Banking in Emerging Markets Jailani, Novalini; Anwar, Khairul; Maulida, Minati; Muhammad, Adib
EkBis: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2025.9.1.2425

Abstract

The development of Central Bank Digital Currencies (CBDCs) has become a significant topic of discussion globally, particularly in emerging markets where financial inclusion, monetary sovereignty, and banking stability are key concerns. This study explores the potential impact of CBDC implementation on the profitability and system stability of commercial banking systems in these economies. This research adopts a qualitative approach through a literature review of CBDC implementations in key emerging economies, including China, Nigeria, Brazil, Russia, and India. The study finds that while CBDCs can enhance efficiency and financial accessibility, their impact varies depending on a country's banking infrastructure, regulatory framework, and financial stability measures. In some cases, CBDCs have exacerbated liquidity risks for commercial banks, while in others, they have promoted digital innovation and alternative revenue streams. The findings highlight the need for strategic collaboration between central banks and commercial financial institutions to mitigate risks while leveraging the benefits of CBDCs. Policy recommendations include implementing limits on CBDC holdings, integrating CBDCs with existing banking services, and fostering regulatory frameworks that support a balanced financial ecosystem. This study contributes to the academic discourse on digital currencies and banking by offering insights into the evolving role of central banks and commercial banks in the digital financial landscape.
Navigating AI Integration in Islamic Enterprises: A Qualitative SWOT Perspective Mughoyaroh, Syaviratul; Rahmatika, Arivatu Ni’mati; Widyaningsih, Bekti
EkBis: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2025.9.1.2520

Abstract

This study explores the integration of Artificial Intelligence (AI) within Islamic strategic management frameworks using a qualitative SWOT analysis approach. The objective is to assess how AI can be ethically and effectively applied in Islamic enterprises, ensuring alignment with Shariah principles such as tawhid (the oneness of God), the balance between worldly and spiritual goals, and the pursuit of mardhatillah (divine pleasure). Using systematic literature review and SWOT framework, this research identifies internal strengths such as ethical leadership and community orientation and external opportunities such as the global halal market while addressing technological limitations and potential threats like ethical ambiguity and regulatory gaps. The findings highlight the importance of ethical leadership, community-based innovation, and strategic partnerships in navigating AI integration. This study contributes to the discourse on Shariah-compliant digital transformation and offers practical recommendations for AI governance rooted in Islamic values.
Diversifying Other New Normal Approach on Livelihood Development: Extension Strategies for Poverty Alleviation Montenegro, Donald
EkBis: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2025.9.1.2329

Abstract

This study evaluates and analyzes the extension projects required in Barangay La Paz, Bayabas, Surigao del Sur, to align effectively with the extension agenda of Northeastern Mindanao State University (NEMSU). The research focused on establishing a set of priority projects aimed at supporting poverty alleviation and improving community living standards. Utilizing a descriptive quantitative approach, data were collected from 146 respondents through a rigorously validated and reliable research instrument over a six-month period. The study posits that a transition toward a market-driven extension system is essential to increase community income, stimulate rural entrepreneurship, and create employment opportunities. The results indicate a strong demand for both soft and hard skills training among the community, highlighting a need for formal education in entrepreneurship and livelihood activities. These findings underscore the potential of the University’s extension program to foster sustainable socio-economic development by addressing community-specific needs. The insights from this study inform local legislative and university planning, providing a strategic foundation for selecting extension projects with the highest relevance and impact on beneficiaries.
The Role of the Digital Economy in Increasing the Competitiveness of MSMEs in Indonesia Wati, Aprilia Candra Purnama; Agustianto, Mochammad Andre
EkBis: Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2025): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2025.9.1.2392

Abstract

The digital economy is the main force driving economic transformation throughout the world, especially in Indonesia. The rapid progress of information and communication technology has caused various sectors to adopt digital platforms to increase operational efficiency and expand market access. This essay focuses on how Indonesian MSMEs, which are the backbone of the country's economy, can take advantage of the digital economy to increase their competitiveness. To be able to develop amidst increasing market competition, MSMEs must strategically integrate digital technology such as social media, fintech and e-commerce. This research uses qualitative methods, literature research and secondary data to highlight the benefits of the digital economy for MSMEs. Key benefits include improved operational efficiency and increased customer reach in both domestic and international markets. However, MSMEs face significant challenges in utilizing digital technology, including low levels of digital literacy, inadequate technological infrastructure in rural areas, and a lack of regulatory support for digital economic growth. The findings show that the digital economy encourages innovation in product development, marketing and business management, thereby providing opportunities for MSMEs to increase competitiveness. To overcome these challenges, collaboration between the government, private sector, educational institutions and the MSME community is needed to create an inclusive and sustainable digital ecosystem. The article offers strategic recommendations for optimizing the benefits of the digital economy for MSMEs, including supportive regulations, infrastructure development, and digital literacy training.

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