cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Husna Ni'matul Ulya
Contact Email
husnaulya8586@gmail.com
Phone
-
Journal Mail Official
elbarka@iainponorogo.ac.id
Editorial Address
-
Location
Kab. ponorogo,
Jawa timur
INDONESIA
El-Barka: Journal of Islamic Economics and Business
Published by Institut Agama Islam Negeri Ponorogo
ISSN : 26571153     EISSN : 26571862     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
El Barka is a semiannual journal published by the Faculty of Islamic Economics and Business IAIN Ponorogo and cooperate with Ikatan Ahli Ekonomi Islam Indonesia (IAEI). El Barka accepts original scientific writings that have never been published in the field of economics, islamics economics and business, including conceptual thoughts, research reports, case reports, application of theory, critical studies and literature reviews.
Arjuna Subject : -
Articles 142 Documents
 11   12   13   14   15 
Crafting a Sharia Fintech Development Strategy in Indonesia: Leveraging SWOT Analysis for Sustainable Growth Faizin, Moh; Era Rosalina, Kenlies; Mahmudah, Siti Nur
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v7i1.7415

Abstract

Abstract: The incorporation of sharia principles into financial technology offers a rare chance to harmonize contemporary financial services with Islamic ideals, particularly as Indonesia’s fintech industry continues to grow rapidly. This emerging industry, called Sharia fintech, is promoting ethical financial practices that appeal to a large segment of Indonesian society in addition to increasing access to financial services. The adoption of a strategic strategy that leverages strenghths, tackles weaknesses, seizes opportunities, and mitigates dangers is crucial for the sustained expansion of sharia fintech. An excellent tool for developing such a strategy is the SWOT analysis framework. With the largest muslim population in the world, Indonesia’s demographics are unquestionably favorable for sharia fintech. But what’s new is realizing that the ingrained cultural attachment to Islamic banking can be used as a driving force behind creative product development as well as a competitive advantage. Through the utilization of this cultural resonance, sharia fintech can actively influence financial behaviors that promote economic fairness, risk sharing, and ethical investment, rather than merely adhering to sharia law. Although there is clear demand for sharia compliant products, the finance industry still lacks comprehensive regulatory frameworks and regulated standards, which is a serious shortcoming. The novel aspect of this is that it promotes cooperation between academics, industry participants and regulators. This partnership has the potential to result in the creation of dynamic laws that are both in line with Islamic law and adaptable enough to take advantage of the fintech industry’s rapid innovation. Study This use method is qualitative with approach studies sourced literature from relevant articles, books, journals, and notes with a study to answer the problem formulated. Opportunities abound in Indonesia’s fintech scene, especially when it comes to increasing financial inclusion for marginalized groups. Leading this charge could be sharia fintech, which provides products that meet the unique financial requirements of these communities while still adhering to Islamic law. The innovation is in the way these products are conceptualized, connecting modern fintech to traditional Islamic financial procedurs. Examples include using blockchain to provide transparency in the distribution of zakat or developing AI powered risk assessment models that comply with sharia law. Based on the IFE and EFE analysis above can be concluded that that became obstacle in the most important development of sharia fintech in Indonesia is minimal knowledge of public villages For operating sharia fintech, the second is lack of source Power humans (HR) control contract transaction based sharia principles, then the third competition future technology, and finally that is development sharia fintech products with various type type contract.
Women's Participation in Productive Business Development through the Modeling of Baitul Māl Wa at-Tamwīl in Palembang Junaidi, Heri; Lidyah, Rika; Agustina, Ria; Rima Putri Pratama, Chici
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 2 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i2.7856

Abstract

This study is motivated by the fact that women's efforts to participate in developing productive businesses do not yet have the right model so that their activities appear to be just a side job. Meanwhile, women's productivity in the micro economy in the new normal era will have a positive impact on strengthening the home economy, as well as restoring the activities of micro businesses that have gone bankrupt as a result of the pandemic. The presence of Baitul Maal Wa Tamwil with the financing assistance model and financial management literacy of Baitul Maal Wa Tamwil makes the administration process easier and more synergistic. The data used for this article comes from qualitative research, using interviews and relevant literature. The respondents of this research are Palembang gender activist academics, BMT administrators, business actors in areas with a majority of women who carry out productive business development in Palembang. interviews using the snowball sampling method. The research results showed that women's participation in productive business development after a long period in the domestic sphere due to the COVID-19 pandemic has become more varied and provides additional benefits for the family economy. The presence of BMT helps women's productive businesses, providing administrative convenience for obtaining financing and changing the home management model to family management established by BMT. This research then found that after a long period of time women were in the domestic sphere due to the regulations during the Covid-19 Pandemic, their product activity patterns changed to profitable home businesses. Furthermore, the management model used by BMT is more accepted and supported by Palembang women who are developing their businesses.
The Influence of Awareness, Knowledge, and Religiosity towards Public Perception of Islamic Banking Usage in Southwestern Afghanistan Abdullah, Ziarmal; Popal, Ahmad Wali; Tahir, Haris Ahamd
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v7i1.8287

Abstract

High levels of awareness, knowledge, and religiosity are crucial factors in the banking industry, especially for the Sharia-based Islamic banking system. Although Afghanistan is an Islamic country, the participation in Islamic banking (IB) is relatively low, and the factors influencing people's perceptions remain unclear. Therefore, this paper aims to assess the impacts of awareness, knowledge, and religiosity on people's perceptions of using Islamic banking in the southwestern zone of Afghanistan. The study's findings indicate that awareness, knowledge, and religiosity significantly and positively affect people's perceptions in this region. From a policy-making perspective, several measures should be implemented to enhance banking selection criteria, maintain a top position in the market, and compete with conventional banks, which are losing market share due to a lack of awareness. Recommendations include increased investment in marketing and advertising by IB to inform people about their products and services. This approach will significantly contribute to the country's economic growth and the well-being and prosperity of its people.
Does Corporate Governance Enhance Bank Performance? A Meta-Analysis of Global Islamic Banking Utami, Rachma Bhakti; Damayanti, Cacik Rut
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v7i1.8660

Abstract

As the fastest-growing segment in the global financial industry, it is interesting to see the development of Islamic Banking. Corporate governance is an essential topic in the world of business development. This research uses a meta-analysis approach to test whether corporate governance influences bank performance in Islamic banking. This research is using a meta-analysis study; this research begins by looking for what corporate governance indicators are most closely related to improving the performance of Islamic banking. This research was conducted from 2010 to 2022 and collected a database of 199 studies covering 1606 businesses of 25 distinguished published papers from the Scopus index. This research was assisted by Publish or Perish, NVivo, and JASP software. This study found that the most frequently used factors as a measurement of Sharia governance mechanism are Board Independence, Board of Director Size, Frequency of Meetings, Audit Committee, and CEO Duality, while the indicators most often used as a measurement of Islamic banking performance are Islamic banking performance as measured by Return on Assets, Return on Equity and Tobin's Q. The results of meta-analysis data processing show that board independence has a significant and positive effect on the return on assets of Islamic banking. The Islamic Bank in Indonesia suggests optimizing the position of the Board of Independence in improving Islamic banking performance.
Integration of Financial Literacy and Ethical Values in Controlling Impulsive Buying In Generation Z on Social Media Perdana, Baratadewa Sakti; Tamamudin; Hendri Hermawan Adinugraha
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v7i1.8812

Abstract

This study explores the role of financial literacy and ethical values in controlling impulsive buying behavior among Generation Z, especially in the context of digital platforms. This study uses a qualitative method with Thematic Analysis to examine how these two factors affect self-control in financial decision-making. Data were collected through interviews with Generation Z respondents, which showed that strong ethical values, instilled through religious teachings and cultural culture built into the family, significantly increased self-control, even when financial literacy was limited. These findings suggest that when ethical values are combined with good financial literacy, self-control becomes increasingly strong, allowing individuals to avoid impulsive buying and make more informed financial decisions. The study also recommends the application of Imam Shafi'i's principles in prioritizing the most important and urgent needs, which translates into the "Eisenhower Matrix" method, as an effective strategy for managing impulsive buying behavior. Although this study has some limitations, such as a small sample size and a focus on a single region, these findings provide important insights for efforts to control consumptive behavior among Generation Z.
Road to Success: How does entrepreneurial orientation and market orientation improve SME performance? Rahmawati, Rizqi; Catur Sudyantara, Smita; Almas, Nauva; Hasyim Sholeh, Mohammad
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v7i1.9652

Abstract

SMEs are one of the pillars of the economy that continues to move daily in carrying out its business activities. Each business field has different characteristics, but striving to develop a business and earn income is one of the main capitals to continue to advance. There are so many obstacles faced by MSME players to compete in the market so the management of business breakthroughs is important to support business development. Maintaining a business existence requires a strong entrepreneurial spirit so that it can achieve the desired business goals. Also, market orientation and entrepreneurship could positively impact SMEs' performance. In this study, it is explained that innovation also plays an important role in improving the performance of SMEs. A conceptual structural model that includes aspects of Market Orientation (MO), entrepreneurial orientation (EO), Innovation (I), and SME Performance (SMEP) is developed based on the concept and relationship results from the literature. This study examines the influence of entrepreneurial and market orientation on whether it has a direct or indirect impact on SME performance. This study investigates whether entrepreneurial orientation and market orientation affect the performance of SMEs using innovation mediation. The population of this study is Small and Medium Enterprises (SMEs) in the city of Pacitan, East Java engaged in food and beverages, services, and production, with a sample of 100 SMEs. In research using Structural Equation Modeling (SEM) analysis tools. and it is expected that this research will have an impact on SMEs in the city of Pacitan, which focuses on how entrepreneurial orientation and market orientation have an impact on SME performance, both directly and indirectly, and how Innovation as a mediating variable can have a direct or indirect impact on entrepreneurial orientation and market orientation on SME performance.
Synergy Between BPKN and Higher Education Institutions in Consumer Protection Education in the Digital Era Maulidia, Rohmah; Sutopo, Umarwan
El-Barka Journal of Islamic Economics and Business Vol. 7 No. 1 (2024)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The rise in consumer transactions in the digital era reflects the increasingly complex dynamics of consumer behavior. However, the Consumer Empowerment Index (IKK) in Indonesia remains relatively low, particularly in the higher education sector. This article aims to analyze the role of the National Consumer Protection Agency (BPKN) and higher education institutions in educating and protecting consumers, using the organizational transformation theory as its framework. This research employs a descriptive qualitative method, utilizing primary data collected through in-depth interviews with key figures from BPKN and consumer protection law lecturers, as well as secondary data from official BPKN documents. The findings reveal that although BPKN has implemented several educational programs in select universities, the involvement of State Islamic Higher Education Institutions (PTKIN) remains minimal. The primary obstacles include a lack of synergy, limited resources, and weak implementation of formal collaborations. Recommendations include strengthening consumer protection curricula, expanding strategic collaborations between BPKN and universities, and developing small claims court mechanisms to facilitate consumer access to dispute resolution. This study emphasizes the need for bureaucratic and educational transformation based on synergy to enhance consumer awareness and empowerment in Indonesia.
Green Banking Dislocure Index: Unlocking Profitability Potential in Indonesia’s Islamic Commercial Banking Hunafaa Al Qudsy, Naahilah; Haryadi, Imam; Prasetyo, Bangun Luhur
El-Barka Journal of Islamic Economics and Business Vol. 8 No. 1 (2025)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v8i1.10345

Abstract

Green banking, which emphasizes sustainability and environmentally responsible financing, has attracted significant global attention, yet its adoption faces challenges, particularly in emerging economies such as Indonesia. This study examines the impact of green banking on the profitability of Islamic commercial banks in Indonesia. This research utilizes secondary data sourced from the Financial Services Authority and annual reports of nine Islamic commercial banks in Indonesia, spanning the 2019-2022 period. Profitability is measured using Return on Assets (ROA), while the Green Banking Disclosure Index (GDBI) is employed to assess the extent of green banking implementation. The findings suggest that while green banking initiatives contribute to long-term sustainability, they do not exhibit a significant short-term impact on profitability. In contrast, the number of ATM units has a positive and statistically significant effect on profitability, primarily driven by increased fee-based income. The research advocates for enhancing green banking practices, particularly in the areas of carbon emissions management and waste recycling, and recommends that regulatory bodies strengthen policies to incentivize the adoption of environmentally sustainable banking practices. Additionally, improving sustainability reporting is essential for aligning with global sustainability objectives and fostering long-term profitability.
Influencer Marketing Strategy in Sharia Marketing: A Review from the Perspective of Ethics and Sharia Values Suraya, Ismi; Zulfikar, Faisal
El-Barka Journal of Islamic Economics and Business Vol. 8 No. 1 (2025)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v8i1.11301

Abstract

A common form of digital marketing today involves promoting products through influencer marketing strategies, carried out by individuals known as influencers. However, the application of influencer marketing often fails to align with Islamic ethical values, as seen in the lack of transparency or honesty, promotion of non-halal products, inadequate product descriptions, exaggerated claims, and the inappropriate appearance or attire of some influencers. These issues can lead to legal disputes and leave consumers feeling harmed. Therefore, clear guidance on the ethical conduct and behavior of influencers is essential. This study applies the Stimulus-Organism-Response (S-O-R) theory and uses a qualitative method with a descriptive approach. The data is composed of written words drawn from in-depth phenomena within the relevant context. Secondary data sources include books, academic journals, websites, and online resources. The findings reveal that influencer marketing is effective in building trust and enhancing marketing outcomes. Its effectiveness increases when aligned with sharia principles, such as honesty, transparency, and the promotion of halal and beneficial products. Consumer responses are heavily influenced by the ethics and values demonstrated by the influencer. Hence, in sharia-based marketing, influencers serve not only as promotional agents but also as representatives of Islamic values, contributing to transactions that yield not just economic benefits but also positive social and spiritual impacts.
Exploring the Contribution of Green Sukuk in Achieving Sustainable Development Goals (SDGs) (Case Study of Malaysia and Indonesia) Ziarmal, Abdullah
El-Barka Journal of Islamic Economics and Business Vol. 8 No. 1 (2025)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v8i1.11714

Abstract

The purpose is this study is to illustrate green sukuk and analyze the role of green sukuk in achieving of sustainable development goals (SDGs) based on the relevant projects of Indonesia and Malaysia. The research methodology used for this study is descriptive based qualitative. Data has taken from the various sources such as annual reports, articles, books, websites and etc. Findings of this study indicates that green sukuk markets in both Malaysia and Indonesia are the symbols of huge commitment to the governments of Malaysia and Indonesia in term of contribution and getting close to the targets to the sustainability specified and selected by United Nations an agenda until 2030. Various projects such, renewable energy, waste management, reducing disasters and floods risks, low carbon transport, sustainable cities have been funding through green sukuk in both Malaysia, and Indonesia. This study results also indicates that in the global market of green sukuk Indonesia is ranking toped with the 2/5 of market cap. On the other hand, Malaysia is leading in green sukuk issuance based on owing 57% of issuers in the market. In term of practical implication, this study will be a roadmap for the next people who wants to illustrate the role of green sukuk in their respective countries. Furthermore, this will be a meaningful study for the researchers of those countries that lack green financing such as Afghanistan and others, they will be use this article as a guide article during conducting their own. This study can also help public regarding transferring the concept and theory of sukuk, green sukuk, and SDGs. Top of Form

Page 13 of 15 | Total Record : 142

 11   12   13   14   15 

Filter by Year

2018 2025


Reset
Filter By Issues
All Issue Vol. 8 No. 2 (2025) Vol. 8 No. 1 (2025) Vol. 7 No. 2 (2024) Vol. 7 No. 1 (2024) Vol. 6 No. 2 (2023) Vol. 6 No. 1 (2023) Vol. 5 No. 2 (2022) Vol. 5 No. 1 (2022) Vol. 4 No. 2 (2021) Vol. 4 No. 1 (2021) Vol. 3 No. 2 (2020) Vol. 3 No. 1 (2020) Vol. 2 No. 2 (2019) Vol 2, No 2 (2019) Vol 2, No 1 (2019) Vol 2, No 1 (2019) Vol. 2 No. 1 (2019) Vol 1, No 2 (2018) Vol. 1 No. 2 (2018) Vol 1, No 2 (2018) Vol 1, No 1 (2018) Vol. 1 No. 1 (2018) Vol 1, No 1 (2018) More Issue