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Indonesian Journal of Islamic Economics and Business (IJIEB) Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi Fakultas Ekonomi dan Bisnis Islam Jln. Arif Rahman Hakim, No. 111 Telanaipura, Jambi email : ijieb@uinjambi.ac.id
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INDONESIA
Indonesian Journal of Islamic Economics and Business
Published by Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
ISSN : 25409514     EISSN : 25409506     DOI : https://doi.org/10.30631/ijoieb
Core Subject : Religion, Economy, Science, Social,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Indonesian Journal of Islamic Economics and Business E-ISSN: 2540-9506 P-ISSN: 2540-9514 is the journal that concerns to publish broader issues on Islamic Economics and Business. It based on the presupposition that Islamic economics and Business is still on going process to be established. There is a need to serious study on not only limited to Islamic banking and financing system but also on philosophy, politic, environment, law, culture, ethics, management and entrepreneurship of ‘Islamic Economics’. The journal aimed at bridging and solving the dichotomy between ‘orthodox’ and ‘heterodox’ problems of Islamic economics. So, the journal invites scholars who interesting in Islamic economics and Business contributes to submit their research article.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 214 Documents
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Pemanfaatan Artificial Intelligence dalam Pengelolaan Risiko Keuangan Syariah Febriyani; Fauziyyah; Firman.A; Hastuty, Ade
Indonesian Journal of Islamic Economics and Business Vol. 10 No. 1 (2025): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/m4e05810

Abstract

This study aims to explore the application of Artificial Intelligence (AI) in managing financial risks within Islamic finance, ensuring alignment with Sharia principles. The research employs a qualitative approach, utilizing a Systematic Literature Review (SLR) methodology based on the PRISMA framework, analyzing 45 scholarly articles from 2015 to 2024 sourced from databases such as Scopus and Web of Science, alongside primary data from annual reports of leading Islamic banks in Indonesia, Malaysia, and the Middle East. The findings reveal that AI enhances financial risk detection efficiency by 20%, reduces non-performing loans (NPLs) by up to 16.67% as demonstrated by Bank Muamalat Indonesia, and improves market risk management and Sharia compliance. Additionally, AI automates decision-making processes, cutting contract verification time by 25-40%, and supports maqasid al-shariah by optimizing zakat distribution and fostering financial inclusion, with a 15% increase in rural access in Nigeria. Regional case studies highlight Malaysia’s leadership in AI adoption and Indonesia’s challenges with digital literacy, while the Middle East leverages AI for liquidity resilience. The novelty of this research lies in its Sharia-based risk evaluation framework, integrating five dimensions—accuracy, efficiency, compliance, scalability, and social impact—providing a model for practitioners, academics, and regulators. The implications suggest that despite high implementation costs and skill gaps, government incentives and ethical oversight could drive sustainable AI integration, positioning Islamic finance as a competitive alternative in the digital era.  
ANALISIS DAMPAK TRANSPORTASI OJEK ONLINE TERHADAP PENDAPATAN OJEK KONVENSIONAl DI KOTA JAMBI Ferdila, Merdiana; Us, Kasful Anwar
Indonesian Journal of Islamic Economics and Business Vol. 6 No. 2 (2021): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v6i2.776

Abstract

Transportation is the movement of people or goods from one place to another using a vehicle driven by humans or machines. Transportation is used to make it easier for humans to carry out their daily activities. One type of transportation in Indonesia is a motorcycle taxi. More and more ojegs are emerging. Along with the development of technology, conventional motorcycle taxis are starting to compete with online ojek transportation. The purpose of this study was to analyze the impact of online motorcycle taxis on conventional motorcycle taxis in Jambi city. The use of online motorcycle taxis, which are now widely used people, has resulted in reduced interest in using conventional ojek. The convenience offered by online ojek seems to drown out the existence of conventional ojek. The results showed that online motorcycle taxis had an impact on reducing the income of conventional motorcycle taxis. This research is expected to contribute to increasing knowledge in the world of education about the impact of the existence of online motorcycle taxis on conventional motorcycle taxi income.
Pengaruh IPM, PDRB dan Pengeluaran Pemerintah Terhadap Kemiskinan di Jawa Tengah dengan Zakat Sebagai Moderating Soleh, Mohammad; Wahyuni, Nunung
Indonesian Journal of Islamic Economics and Business Vol. 6 No. 2 (2021): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v6i2.916

Abstract

This research is motivated by the number of poverty in Central Java Province which is still high, which is in second place from all provinces in Indonesia. The purpose of this study was to determine the effect of the human development index, gross regional domestic product, and government spending on poverty in Central Java Province with zakat as a variable moderating. This research is quantitative research with an emphasis on data analysis in the form of numbers and processed using statistical methods. The research population is in districts/cities in Central Java, with sampling using the purposive sampling method. The technique of collecting data is through indirect observation using methods of internet research and library research. The research instrument used stationarity test, classical assumption test, panel data regression test, and hypothesis testing. Analysis tool using Eviews 9 with selected regression analysis model  Random effect. The results showed that the human development index had a significant negative effect on poverty, GRDP had an insignificant positive effect on poverty, and government spending had a significant positive effect on poverty. Meanwhile, zakat funds are not able to moderate the human development index and GRDP towards poverty, and zakat funds are able to moderate government spending on poverty.
Strategi Akselerasi Insurtech Syariah Meningkatkan Nasabah Pengguna Asuransi di Indonesa (Studi Kasus Startup YukTakaful ) -, Lindiawatie; Shahreza, Dhona
Indonesian Journal of Islamic Economics and Business Vol. 6 No. 2 (2021): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v6i2.930

Abstract

In 2019, the sharia insurance market share in Indonesia was only 3.44%. The reason is the low level of literacy and inclusion of sharia insurance. On the other hand, there are opportunities and potentials that allow the growth and increase of sharia insurance market share in Indonesia. For this reason, an acceleration strategy is needed to increase the market share of sharia insurance in Indonesia through insurance technology. The purpose of this study is to determine the acceleration strategy in reaching the insurance market in Indonesia by highlighting the case of the YukTakaful InsurTech startup. This type of research is qualitative based on phenomenology. Methods of collecting data by semi-structured interviews with the founder and management as well as documentation. Analysis and interpretation of data with a literature study approach. After the analysis, it is known that the acceleration strategy to increase the market share of sharia insurance in Indonesia with a case study on the YukTakaful startup is to go through the stages starting from setting focused and clear goals, creating a vision and mission that brings benefits and has social impact (maslahah). focusing on community and community-based segmentation and targets, building a network of cooperation in the business ecosystem (alliance strategy) and communicating and educating consumers through offline and online communication channels as well as collaboration with the fintech ecosystem and community customers (market penetration strategy). Alliance strategy by establishing cooperation with venture capital, server providers, data centers, data recovery centers and cloud computing insurance brokers and insurance companies. Market penetration strategy by targeting the community segment, focusing on basic protection with types of micro insurance products, end to end process services in real time 2x24 hours, maintaining the trust and comfort of consumers by maintaining the security and confidentiality of their data.  
Pengaruh Motivasi Kerja Islami dan Tunjangan Terhadap Kinerja Karyawan BPRS Amanah Ummah Selama WFH Ramadhani, Siti; Nawawi, Kholil; Gustiawati, Syarifah
Indonesian Journal of Islamic Economics and Business Vol. 6 No. 2 (2021): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v6i2.974

Abstract

The aim of this study was to find out the effect of Islamic Work Motivation and Performance Allowance to Employee Performance in BPRS Amanah Ummah Leuwiliang Bogor while working from home during The Coronavirus Pandemic. The approach of this research was quantitative, which defines a relationship or a measurable effect, making predictions based on reality with the data collected from published reports. The data was collected from questionnaires that have been filled by related respondents which are employees of BPRS Amanah Ummah Leuwiliang Bogor with a sample of 33 respondents by using Slovin’s formula sampling techniques. The analysis method of this research is using statistical package for the science (SPSS) application version 25. The results showed that there is a significant effect of Islamic Work Motivation on Work Performance. And there is a significant effect of Performance Allowance on Work Performance. So the conclusion is the higher of Work Motivation and Performance Allowance to employees will increase employees' performance.
Analisis Penerapan Prinsip Etika Bisnis Pada Transaksi Jual Beli Online pada Marketplace Tokopedia Perspektif Yusuf Al-Qardawi Andari, Karina Widya; -, Yuliani
Indonesian Journal of Islamic Economics and Business Vol. 6 No. 2 (2021): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v6i2.1045

Abstract

The increasingly advanced technology requires the entire community to continue to innovate in various activities. One of them is in the economic field. Buying and selling online is an activity that is very much happening in the current era. Not meeting sellers and buyers is one of the gaps in the existence of fraud in business activities. One of the most visited marketplace platforms in Indonesia is Tokopedia. In doing business it is necessary to have ethics, one of the figures who have thoughts about Islamic business ethics is Yusuf al-Qardhawi. The purpose of this study is to analyze the application of business ethics in online buying and selling transactions in the Tokopedia marketplace, Yusuf al-Qardhawi's perspective. The methodology of this research is qualitative with library method (literature research). As a third party that bridges the meeting of sellers and buyers, Tokopedia has applied the principles of Islamic business ethics from the perspective of Yusuf Al-Qardhawi. Tokopedia has a fairly good system to protect business actors in it so that they feel safe and comfortable when making transactions.
Analisis Fluktuasi Harga pada Transaksi Jual Beli Perhiasan Emas Dalam Perspektif Etika Bisnis Islam Pristinta, Diyas Yuri; Yuliani
Indonesian Journal of Islamic Economics and Business Vol. 7 No. 1 (2022): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v7i1.1046

Abstract

The stable price of gold makes this precious metal much sought after by buyers for the purpose of investment or jewelry and collections. So far, businesses at kiosks that provide gold as a commodity have never been abandoned by buying and selling activities, be it marketing at gold kiosks or marketing by customers to be replaced and buyers' requests for cash. The issue raised in this research is how to apply the accumulation and decline in value in the gold jewelery trade from the ethical perspective of the Islamic business sector. This research uses qualitative methods and uses bibliography research. The source of information used in this research is an inferior data source because this research is a bibliography research. This research uses the method of collecting bibliography information and using content analysis technology to explore the content or meaning of documents, literary creations, articles, and others in the form of irregular information. The results of this research are that there are still many situations that do not match the ethics of the Islamic business sector in the practice of increasing and decreasing the value of gold jewelry prices in the lives of today's citizens. Because consumers and traders almost do not have negotiations in practice, so that in this business the consumer cannot fulfill the right to get the price that is in the business of buying and selling gold jewelry. At the same time, from the ethical perspective of the Islamic trade sector, the accumulation and reduction of gold trading prices must be in accordance with the ethical principles of the Islamic business sector, including monotheism, balancing or equality, free will, responsibility and honesty and truth.
Pengaruh Pelatihan Kewirausahaan, Religiusitas, Kreativitas Terhadap Minat Berwirausaha Dengan Motivasi Sebagai Variabel Intervening Laksono, Wahid Bayu; Soleh, Mohammad
Indonesian Journal of Islamic Economics and Business Vol. 7 No. 1 (2022): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v7i1.1080

Abstract

The purpose of this study was to determine the effect of entrepreneurship training, religiosity, and creativity on interest in entrepreneurship by using motivation as an intervening variable. The main finding in this study is about how far the motivational variable can mediate between the independent variables and the dependent variable. The type used in this study is quantitative using a sample of 87 respondents. The results of the study found that: (a) motivation was not able to mediate the effect of training entrepreneurship on entrepreneurial interest From the results of research calculations with a t-count value of 1.61807136606 <1.66298 with a significance level of 0.05, (b) motivation is not able to mediate the influence of religiosity on entrepreneurial interest. From the results of research calculations with a t-value of 1.35580366084 < 1.66298 with a significance level of 0.05, and ( c) motivation is able to mediate the effect of creativity on interest in entrepreneurship. From the results of research calculations with a t value of 2.33241078441 > 1.66298 with a significance level of 0.05. Thus, motivation can only mediate creativity to interest in entrepreneurship.
Analisa Produk Skincare Pria Ditinjau dari Perspektif Maqoshid Syariah Deshilma, Ayufa; Wulansari, Rika
Indonesian Journal of Islamic Economics and Business Vol. 7 No. 1 (2022): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v7i1.1186

Abstract

Skincare men are products that can help treat or protect men's skin. This paper aims to analyze the product guarana & coffee energizing moisturizer skincare men from an Islamic perspective and provide a view using the maqoshid sharia perspective. This might describe and divide the maqoshid perspective into five categories, they are religion, self, intellect, family and wealth. A qualitative approach with content analysis was used in this study to analyze the connectivity between guarana & coffee energizing moisturizer skincare men and maqoshid products. The results of this study try to describe men's skin care into five maqoshid namely religion, soul, mind, lineage and property as products that bring maslahah. Skincare that contains skincare harm that is suitable for our skin and can overcome our skin problems.
Tinjauan Maqoshid Syariah Pada Marketplace B2C di Indonesia (Studi di Halalpedia dan Bhineka) Kalsum, Umi
Indonesian Journal of Islamic Economics and Business Vol. 7 No. 1 (2022): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v7i1.1230

Abstract

This study aims to review the practice of buying and selling in several marketplaces with the B2C (business to customer) concept in Indonesia based on the maqoshid sharia aspect. The marketplace in question is Halalpedia and Bhinneka. Content analysis on the marketplace is used to describe the object of research, while the normative descriptive method is used to review the maqoshid sharia aspects. The results of the study show that in general the two marketplaces already support the maqoshid sharia aspect, but there are still aspects such as hifzul maal such as the certainty of the originality of goods and the COD system that has not been optimally implemented

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