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Journal of Islamic Economics and Finance Studies
Published by Universitas Pembangunan Nasional Veteran Jakarta
ISSN : 27236730     EISSN : 27236749     DOI : -
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Journal of Islamic Economics and Finance Studies (JIEFeS) is a peer-reviewed journal published twice a year, in June and December by the Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jakarta, Indonesia. The journal accepts scientific articles in the form of research results and theoretical or conceptual papers, written in standard Indonesian or English. JIEFeS particularly focuses on the main issues and studies in Islamic Economics and Finance areas. It covers Islamic Economics, Islamic Banking and Finance, Islamic Microfinance, Islamic Philanthropy (Zakah and Waqf), and Halal Economy.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 117 Documents
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Sharia Based Quintuple Bottom Line: Transforming Triple Bottom Line in Islamic Banking Ana Zahrotun Nihayah Ana; Muchlis Yahya; Ali Murtadho; Lathif Hanafir Rifqi
Journal of Islamic Economics and Finance Studies Vol 7 No 1 (2026): JIEFeS, June 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v7i1.13976

Abstract

ABSTRACT POJK No. 51/POJK.03/2017 obliges Indonesian banks to implement sustainable finance based on economic, social, and environmental performance. However, for Islamic banking, this Triple Bottom Line (TBL) orientation remains insufficient because it does not explicitly accommodate sharia compliance, spirituality, and intellectual development. This study aims to construct a Sharia-based Quintuple Bottom Line (QBL) model by integrating the five objectives of Maqasid al-Shari’ah with sustainability dimensions. Using a conceptual research design through literature review and theoretical synthesis, the study maps hifz al-mal, hifz al-nafs, hifz al-nasl, hifz al-din, and hifz al-'aql into profit, people, planet, piety, and potential. The findings show that QBL extends TBL by adding piety and potential as two dimensions needed to guide Islamic banks in developing halal, ethical, innovative, and sustainable financing practices. The model offers practical implications for product development, sharia governance, risk management, financial literacy, and green financing in Islamic banking.     ABSTRAK POJK No. 51/POJK.03/2017 mewajibkan bank di Indonesia menerapkan keuangan berkelanjutan berbasis kinerja ekonomi, sosial, dan lingkungan. Namun, dalam konteks perbankan sharia, orientasi Triple Bottom Line (TBL) belum memadai karena belum secara eksplisit memasukkan kepatuhan sharia, spiritualitas, dan pengembangan intelektual. Penelitian ini bertujuan menyusun model Quintuple Bottom Line (QBL) berbasis sharia dengan mengintegrasikan lima tujuan Maqasid al-Shari’ah ke dalam dimensi keberlanjutan. Dengan menggunakan desain penelitian konseptual melalui tinjauan pustaka dan sintesis teoritis, studi ini memetakan hifz al-mal, hifz al-nafs, hifz al-nasl, hifz al-din, dan hifz al-'aql ke dalam profit, people, planet, piety, dan potential. Hasil kajian menunjukkan bahwa QBL memperluas TBL dengan menambahkan piety dan potential sebagai dimensi yang diperlukan untuk mendorong praktik pembiayaan bank sharia yang halal, etis, inovatif, dan berkelanjutan. Model ini berimplikasi pada pengembangan produk, tata kelola sharia, manajemen risiko, literasi keuangan, dan pembiayaan hijau.
Navigating Geopolitical Crossfire: Oil Shocks, Digital Agility, and Sharia Governance in the Iran-Israel-US Crisis Budi Sukardi; Nurizal Ismail
Journal of Islamic Economics and Finance Studies Vol 7 No 1 (2026): JIEFeS, June 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v7i1.14017

Abstract

Abstract The geopolitical crisis centered on the escalating conflict between Iran, Israel, and the United States up to the end of 2026 has radically altered the global macroeconomic risk landscape. This study aims to analyze the impact of the shrinking economic stability space due to geopolitical shocks on the resilience of Islamic banking, exploring how the integration of digital agility and Sharia governance mediates these shocks. Using an explanatory thematic analysis method, this study explicitly establishes the Oil Digital Sharia or ODS framework as its primary theoretical contribution. The findings confirm that Middle Eastern political risks and structural oil price volatility transform systemic banking risk into decreased liquidity and increased non performing financing ratios, driven by inflation spikes above three percent. Although Islamic banks possess a stronger capital cushion than conventional banks, their resilience remains vulnerable to capital flight known as displaced commercial risk. This study confirms that resilience is actively constructed through a dual safety belt consisting of digital service transformation via artificial intelligence and strict Sharia board supervision backed by accounting and finance qualifications. This study recommends the need for central banks to design macroprudential instruments sensitive to geopolitical crises and urges Islamic banks in the Southeast Asian region to strengthen cyber risk mitigation within the framework of Islamic law compliance.   Abstrak Krisis geopolitik yang berpusat pada eskalasi konflik antara Iran, Israel, dan Amerika Serikat hingga akhir tahun dua ribu dua puluh enam secara radikal telah mengubah peta risiko makroekonomi global. Penelitian ini bertujuan untuk menganalisis pengaruh menyempitnya ruang stabilitas ekonomi akibat guncangan geopolitik terhadap resiliensi perbankan syariah serta menelusuri bagaimana integrasi ketangkasan digital dan tata kelola syariah memediasi guncangan tersebut. Dengan menggunakan metode analisis tematik eksplanatori, studi ini secara eksplisit menetapkan kerangka kerja Oil Digital Sharia atau ODS sebagai kontribusi teoretis utamanya. Temuan penelitian mengonfirmasi bahwa risiko politik Timur Tengah dan volatilitas struktural harga minyak mentransformasikan risiko sistemik perbankan menjadi penurunan likuiditas dan peningkatan rasio pembiayaan bermasalah yang dipicu oleh lonjakan inflasi di atas tiga persen. Meskipun bank syariah terbukti memiliki modal yang lebih kuat dari bank konvensional, ketahanan mereka rentan terhadap pelarian modal atau displaced commercial risk. Studi ini menegaskan bahwa resiliensi dikonstruksi secara aktif melalui sabuk pengaman ganda berupa transformasi layanan digital berbasis kecerdasan buatan dan keketatan pengawasan dewan syariah yang didukung kualifikasi akuntansi dan keuangan. Studi ini merekomendasikan perlunya bank sentral merancang instrumen makroprudensial yang peka terhadap krisis geopolitik serta mendesak perbankan syariah di kawasan Asia Tenggara untuk memperkuat mitigasi risiko siber dalam kerangka kepatuhan hukum Islam.
Islamic Finance, Halal Ecosystem, Financial Inclusion and SME Growth in Nigeria Ibrahim Ayodele Yusuf; Jamiu Adeniyi Yusuf; Azeem Tunde Muhammed; Ismail Aderole Ayuba
Journal of Islamic Economics and Finance Studies Vol 7 No 1 (2026): JIEFeS, June 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v7i1.14110

Abstract

Abstract This study investigates the integration of Islamic finance within Nigeria's halal business ecosystem and its subsequent impact on financial inclusion and Small and Medium Enterprise (SME) growth. Utilizing a quantitative methodology, the researchers applied Structural Equation Modeling (SEM) to survey data from 312 participants, including SME stakeholders and Islamic finance consumers. The empirical results demonstrate that Islamic finance significantly enhances financial inclusion by providing non-interest financial alternatives to previously marginalized populations. Simultaneously, the halal business ecosystem serves as a vital catalyst for both inclusion and SME expansion by fostering a structured environment built on trust, standardization, and increased market access. Notably, the study confirms that financial inclusion acts as a robust driver of enterprise development and partially mediates the relationship between Islamic finance and SME growth. This suggests that Islamic finance benefits businesses both through direct funding and the indirect facilitation of broader financial access. The study concludes that the synergetic integration of Islamic finance and the halal economy is essential for sustainable development in Nigeria. Key recommendations include strengthening Shariah-compliant institutions, establishing a rigorous national halal certification framework, improving financial literacy, and enhancing institutional coordination to maximize the economic potential of these sectors.
The Contribution of Halalan Tayyiban as an Epistemological Foundation of Sharia Economics Based on Maqasid Al-Shariah Muhammad Syauqillah; Siswanto; Aunur Rofiq
Journal of Islamic Economics and Finance Studies Vol 7 No 1 (2026): JIEFeS, June 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v7i1.14216

Abstract

Abstract Contemporary Islamic economics faces an epistemological gap between rapid innovation, digital transactions, and increasingly complex financial instruments, and the ability of classical fiqh and modern regulation to provide ethical, measurable, and maṣlaḥah-oriented operational standards. This study aims to reconstruct the contribution of halal ṭayyiban as a normative and epistemological foundation for developing maqāṣid al-sharīʿah-based Islamic economics. This research uses qualitative library research with conceptual, content analysis, and descriptive-analytical approaches to classical and contemporary literature. The findings show that halal ṭayyiban is not limited to the legality of products and transactions, but also includes commodity quality, integrity of economic actors, contractual transparency, social responsibility, and ecological sustainability. Its integration with maqāṣid al-sharīʿah strengthens the protection of religion, life, intellect, lineage, and wealth through the synergy of operational and normative dimensions from pre-contract, contract, to post-contract stages. The implication is that halal ṭayyiban can serve as a global quality benchmark, strengthen halal value chains, build consumer trust, promote welfare distribution, distinguish Islamic economics from conventional economics, and respond to contemporary moral, social, and ecological crises. Thus, Islamic economics is affirmed as a just, inclusive, sustainable, and raḥmatan lil-ʿālamīn system.     Abstrak Penelitian ini bertujuan merekonstruksi konsep halal ṭayyiban sebagai landasan normatif dan epistemologis dalam pengembangan ekonomi syariah berbasis maqāṣid al-syarī‘ah. Latar belakang penelitian ini berangkat dari kebutuhan ekonomi syariah kontemporer terhadap kerangka konseptual yang tidak hanya menekankan aspek legalitas formal, tetapi juga kualitas substansial, etika, kemanfaatan, dan keberlanjutan. Penelitian ini menggunakan jenis penelitian kualitatif dalam bentuk studi kepustakaan dengan pendekatan konseptual dan analisis deskriptif untuk menelaah keterkaitan antara prinsip halal ṭayyiban dan tujuan syariat dalam sistem ekonomi modern. Hasil penelitian menunjukkan bahwa konsep halal ṭayyiban memiliki dimensi integral yang mencakup legalitas proses, kualitas komoditas, integritas perilaku, serta tanggung jawab sosial dan ekologis. Integrasi konsep ini dengan maqāṣid al-syarī‘ah memperkuat perlindungan terhadap agama, jiwa, akal, keturunan, dan harta, sehingga ekonomi syariah tidak berhenti pada kepatuhan formal, tetapi bertransformasi menjadi sistem yang berkeadilan, transparan, dan berorientasi maslahat. Secara implementatif, paradigma ini mendorong standardisasi kualitas produk, kejujuran akad, perlindungan konsumen, penguatan rantai nilai halal, distribusi kesejahteraan, dan pelestarian lingkungan. Penelitian ini menegaskan bahwa halal ṭayyiban bukan sekadar simbol religius, melainkan paradigma substantif yang mampu memperkuat daya saing ekonomi syariah, menjawab tantangan global, dan mewujudkan sistem pembangunan yang inklusif, berkelanjutan, serta berkeadaban
From Quality to Compliance: How Quality Management and Public Trust Influence Zakat Payment Furqonul Haq; Abdur Rauf; Fitria Nurma Sari; Jawad Z. Salic
Journal of Islamic Economics and Finance Studies Vol 7 No 1 (2026): JIEFeS, June 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v7i1.14253

Abstract

Abstract This research is prompted by inconsistencies in previous findings (research gap) regarding the influence of service quality, accountability, transparency, and trust on zakat payment intentions. Moreover, the integration of ISO 9001 quality management principles into Islamic philanthropy research remains limited. Consequently, this study aims to investigate the impact of these variables on zakat payment intentions at the National Board of Zakat (BAZNAS) of Yogyakarta City, with public trust acting as a mediator. The sampling technique used is purposive sampling, with a sample size of 140 determined. The data analysis method in this research uses partial least squares structural equation modeling (SEM-PLS). The results of the analysis indicate a positive and significant influence of ISO quality and trust, as well as a negative influence of accountability on zakat payment intentions, while transparency does not have a significant effect. Furthermore, ISO quality and transparency have a significant positive impact on zakat payment intentions through trust as a mediator, while accountability does not have an impact through trust mediation. The originality of this study lies in integrating ISO 9001 quality management principles into the analysis of zakat payment behavior, an approach rarely applied in previous Islamic philanthropy research. By doing so, this study provides novel insights into how quality assurance frameworks, typically used in business and industry, can be adapted to enhance public trust in religious-based financial institutions. These findings carry important implications for zakat management institutions. BAZNAS and similar organizations are encouraged to prioritize ISO 9001 quality management implementation and enhance transparency in their operations, as both factors strengthen public trust and, in turn, boost zakat payment intentions. Policymakers and institutional managers should recognize that quality assurance frameworks (commonly applied in business and industry) can be effectively adapted to religious-based financial institutions to improve donor confidence and compliance. Future studies may extend these findings by incorporating additional contextual variables such as digital literacy, religiosity, and inter-institutional comparisons across regions. Therefore, improving ISO quality and transparency in the operations of the BAZNAS of Yogyakarta City is seen as a strategic step to gain community trust and strengthen intentions to pay zakat.   Abstrak Penelitian ini dilatarbelakangi oleh adanya ketidakkonsistenan hasil penelitian terdahulu (research gap) mengenai pengaruh kualitas layanan, akuntabilitas, transparansi, dan kepercayaan terhadap niat masyarakat dalam membayar zakat. Selain itu, pengintegrasian standar manajemen mutu ISO 9001 dalam analisis perilaku filantropi Islam masih sangat terbatas. Oleh karena itu, penelitian ini bertujuan menguji pengaruh faktor-faktor tersebut terhadap niat membayar zakat di BAZNAS Kota Yogyakarta dengan menempatkan kepercayaan publik sebagai variabel mediasi. Teknik pengambilan sampel yang digunakan adalah purposive sampling, dengan ukuran sampel sebanyak 140. Pemodelan persamaan struktural partial least squares (SEM-PLS) digunakan sebagai metode analisis data dalam riset ini. Hasil analisis menunjukkan pengaruh positif dan signifikan dari kualitas ISO dan kepercayaan, serta pengaruh negatif dari akuntabilitas terhadap niat pembayaran zakat, sedangkan transparansi tidak memiliki pengaruh signifikan. Lebih lanjut, kualitas ISO dan transparansi memiliki dampak positif yang signifikan terhadap niat pembayaran zakat melalui kepercayaan sebagai mediator, sedangkan akuntabilitas tidak memiliki dampak melalui mediasi kepercayaan. Orisinalitas penelitian ini terletak pada pengintegrasian prinsip-prinsip manajemen mutu ISO 9001 ke dalam analisis perilaku pembayaran zakat, suatu pendekatan yang jarang diterapkan dalam penelitian filantropi Islam sebelumnya. Dengan demikian, wawasan baru yang diberikan penelitian ini yaitu tentang bagaimana kerangka kerja penjaminan mutu, yang biasanya digunakan dalam bisnis dan industri, dapat diadaptasi untuk meningkatkan kepercayaan publik terhadap lembaga keuangan berbasis agama. Temuan ini memiliki implikasi penting bagi lembaga pengelola zakat. BAZNAS dan lembaga serupa disarankan untuk memprioritaskan implementasi manajemen mutu ISO 9001 serta meningkatkan transparansi operasional, karena kedua faktor tersebut terbukti memperkuat kepercayaan publik dan mendorong niat membayar zakat. Pengambil kebijakan dan pengelola lembaga perlu menyadari bahwa kerangka penjaminan mutu yang lazim diterapkan di dunia bisnis dan industri dapat diadaptasi secara efektif pada lembaga keuangan berbasis agama untuk meningkatkan kepercayaan dan kepatuhan donatur. Penelitian selanjutnya dapat memperluas temuan ini dengan memasukkan variabel kontekstual tambahan seperti literasi digital, religiusitas, serta perbandingan antarlembaga di berbagai daerah. Oleh karena itu, peningkatan kualitas ISO dan transparansi dalam operasional Badan Amil Zakat Nasional Kota Yogyakarta dipandang sebagai opsi strategis dalam meraih kepercayaan masyarakat dan memperkuat niat membayar zakat.
The Impact of Islamic Financial Inclusion on Gender Inequality Reduction in Indonesia Muhammad Syarif H Djauhari; Rifadli D Kadir; Chitra Yuliashri Katili; Edo Segara Gustanto; Luthfia Ayu Karina; Selfia Bintariningtyas; Yeni Puspita
Journal of Islamic Economics and Finance Studies Vol 7 No 1 (2026): JIEFeS, June 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v7i1.14432

Abstract

This study examines whether Islamic financial inclusion contributes to reducing gender inequality across 33 Indonesian provinces during 2018–2023. Using a balanced panel of 198 observations, the Islamic Financial Inclusion Index was constructed through Principal Component Analysis based on accessibility, availability, and usage. At the same time, gender inequality was measured using the provincial Gender Inequality Index. Panel-model selection identified the Common Effect Model as the most appropriate specification. The results reveal regional disparities in Islamic financial inclusion, with DKI Jakarta, Aceh, and West Nusa Tenggara recording the highest levels, while East Nusa Tenggara remained the least inclusive. More importantly, Islamic financial inclusion has a negative and statistically significant association with gender inequality, indicating that provinces with broader access to and use of Islamic financial services tend to exhibit lower gender inequality. These findings extend financial development theory by showing that the equalizing role of financial inclusion also operates within an Islamic financial framework. The study implies that policymakers and Islamic financial institutions should adopt gender-responsive strategies, strengthen women’s effective use of financial services, expand digital and financial literacy, and prioritize underserved provinces.   Studi ini meneliti apakah inklusi keuangan syariah berkontribusi dalam mengurangi ketimpangan gender di 33 provinsi di Indonesia selama 2018–2023. Dengan menggunakan data panel dari 198 pengamatan, Indeks Inklusi Keuangan Islam dibangun melalui Principal Component Analysis (PCA) berdasarkan aksesibilitas, ketersediaan, dan penggunaan. Pada saat yang sama, ketimpangan gender diukur menggunakan Indeks Ketimpangan Gender pada tingkat provinsi. Pemilihan model data panel mengidentifikasi Random Effects Model (REM) sebagai model yang paling tepat. Hasil penelitian ini mengungkapkan kesenjangan regional dalam inklusi keuangan syariah, dengan DKI Jakarta, Aceh, dan Nusa Tenggara Barat mencatatkan tingkat tertinggi, sementara Nusa Tenggara Timur tetap menjadi yang paling tidak inklusif. Lebih lanjut, inklusi keuangan Islam memiliki hubungan negatif dan signifikan secara statistik dengan ketimpangan gender, yang menunjukkan bahwa provinsi dengan akses dan penggunaan layanan keuangan Islam yang lebih luas cenderung memiliki ketimpangan gender yang lebih rendah. Temuan ini memperluas financial development theory dengan menunjukkan bahwa peran penyetaraan inklusi keuangan juga beroperasi dalam kerangka keuangan Islam. Studi ini menyiratkan bahwa pembuat kebijakan dan lembaga keuangan Islam harus mengadopsi strategi responsif gender, memperkuat penggunaan layanan keuangan yang efektif oleh perempuan, memperluas literasi digital dan keuangan, serta memprioritaskan provinsi yang kurang terlayani.
Productive Waqf Model Sustains Burial Funding: Evidence from Firdaus Memorial Park, Indonesia Sudisto; Nurodin; Amelia Fauzia; Rizqi Handayani
Journal of Islamic Economics and Finance Studies Vol 7 No 1 (2026): JIEFeS, June 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v7i1.14556

Abstract

The cemetery land crisis, minimal operational costs of public cemeteries, high cost of commercial cemeteries, and the suboptimal utilization of productive waqf have become obstacles in cemetery management in Indonesia. This study asks how Firdaus Memorial Park's (FMP) productive waqf model responds to these obstacles and argues that sustainability depends on fund separation, diversified productive investment, and a phased shift from capital accumulation to benefit distribution. This study employs a qualitative case study design with 11 informants (managers, waqifs, and community members) and data from interviews, internal documents, observation, and media. The findings reveal three main innovations of FMP. First, FMP separates waqf principal (IDR 25 million) from operational funds (IDR 5 million), with the principal invested across 12 diversified business units generating an 8.13% return, exceeding the 6% target. Second, FMP develops a two-phase model: a 10-12 years accumulation phase with 50% investment allocation to build capital until reaching IDR 56.7 billion, then transitioning to a sustainability phase with investment allocation dropping to 0.5% and cemetery allocation rising to 58%. Third, FMP achieves healthy financial sustainability with an ACR of 122.81%, 142% growth in waqf returns, a distribution ratio of 70.3% (exceeding the 50% requirement), and an 85% increase in beneficiaries. These mechanisms address operational funding, affordability, and the suboptimal use of productive waqf, while land scarcity is only partially addressed through efficient land use. The findings show that productive waqf can support sustainable burial funding without government subsidies while offering free services for the poor.   Krisis lahan pemakaman, minimnya biaya operasional TPU, mahalnya pemakaman komersial, dan belum optimalnya wakaf produktif menjadi kendala dalam pengelolaan pemakaman di Indonesia. Penelitian ini mempertanyakan bagaimana model wakaf produktif Firdaus Memorial Park (FMP) merespons kendala tersebut dan berargumen bahwa keberlanjutannya bergantung pada pemisahan dana, diversifikasi investasi produktif, serta peralihan bertahap dari akumulasi modal menuju distribusi manfaat. Penelitian ini menggunakan desain studi kasus kualitatif dengan 11 informan (pengelola, wakif, dan masyarakat) serta data dari wawancara, dokumen internal, observasi, dan media. Hasil penelitian menemukan tiga inovasi utama FMP. Pertama, FMP memisahkan pokok wakaf (Rp25 juta) dari dana operasional (Rp5 juta), dengan pokok diinvestasikan ke 12 unit bisnis yang menghasilkan return 8,13% melampaui target 6%. Kedua, FMP mengembangkan model dua-fase: fase akumulasi 10-12 tahun dengan alokasi investasi 50% untuk membangun modal hingga Rp56,7 miliar, kemudian bertransisi ke fase keberlanjutan dengan alokasi investasi turun menjadi 0,5% dan alokasi pemakaman naik menjadi 58%. Ketiga, FMP mencapai keberlanjutan finansial sehat dengan ACR 122,81%, pertumbuhan hasil wakaf 142%, rasio penyaluran 70,3% (melebihi ketentuan 50%), dan peningkatan penerima manfaat 85%. Mekanisme tersebut menjawab kendala pendanaan operasional, keterjangkauan, dan belum optimalnya wakaf produktif, sedangkan kelangkaan lahan baru dijawab secara parsial melalui efisiensi penggunaan lahan. Temuan ini menunjukkan bahwa wakaf produktif dapat mendukung pendanaan pemakaman berkelanjutan tanpa subsidi pemerintah sekaligus menyediakan layanan gratis bagi masyarakat miskin.

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