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Islamic Business and Finance (IBF)
Published by Universitas Islam Negeri Sultan Syarif Kasim Riau
ISSN : 27221350     EISSN : 27221342     DOI : 10.24014
Core Subject : Economy,
Economics, Econometrics & Finance
Islamic Business and Finance merupakan jurnal yang diterbitkan oleh Program Studi Ekonomi Syariah Fakultas Syariah dan Hukum Universitas Islam Negeri Sultan Syarif Kasim Riau. Islamic Business and Finance sebagai salah satu Media pengkajian dan penyajian karya Ilmiah terutama dibidang dalam bidang Ekonomi Islam bisnis dan keuangan Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 58 Documents
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The Influence Of Product Innovation And Image On The Purchase Decision Of Hijab Products Trought Purchase Intention Puteri Adinda Sari; Rosana Eri P Puspita
ISLAMIC BUSINESS and FINANCE Vol 6, No 1 (2025): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i1.30320

Abstract

This research aims to analyze and determine the influence of Product Innovation and brand image on purchasing decisions, with purchase interest as an intervening variable. This study used quantitative research with primary data types and non-probability sampling techniques with as many as 75 sample respondents. Data was collected through questionnaires and processed using testing with SPSS version 20. The results of this study are that Product Innovation and brand image do not affect purchasing decisions, buying Interest has a positive effect on purchasing decisions, Product Innovation and brand image have a positive impact on buying Interest, buying Interest can mediate Product Innovation on purchasing decisions, but buying Interest cannot mediate Brand image of purchasing decisions.Keywords: Brand Image, Purchasing Decision, Buying Interest, Product Innovation
Persepsi Nasabah Umkm Terhadap Pembiayaan Murabahah Pada Bank Syariah Indonesia Di Kota Pekanbaru Sukron Lubis; Handry Cahyopy
ISLAMIC BUSINESS and FINANCE Vol 6, No 1 (2025): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i1.24831

Abstract

Financing is an important factor in the development of MSMEs from various business fields, services, and others. One of the popular financing is in great demand by the MSME community in Islamic banks, namely murabaha financing. This study aims to determine the effect of knowledge, ease of service, reputation footprint and level of product excellence on murabaha financing at Indonesian Sharia Banks in Pekanbaru City. The type of research used is quantitative research with a quantitative descriptive approach method. The population in the study amounted to 972 customers with a sample of 100 respondents. The data analysis technique used is SEM-PLS using SmartPLS 3.0 M3. The results of the statistical analysis of hypothesis testing show that the variables of knowledge, ease of service and level of product excellence have a significant influence on murabahah financing at Indonesian Sharia Banks in Pekanbaru city. Meanwhile, the reputation trace variable does not have a significant effect on murabaha financing at Indonesian Sharia Banks in the city of Pekanbaru. The product superiority level variable is the most dominant variable affecting murabahah financing with an effect size value of 0.088. Furthermore, the resulting R-square value of 0.482 indicates that the effect of the independent variable on the dependent variable has a value of 48.2%.Keywords: Knowledge, Ease of Service, Reputation Footprint, Level of Product Excellence, Murabahah Financing
Analisis Kesesuaian Prinsip Syariah Pada Akad Dan Standar Operasional Prosedur (Sop) Pembiayaan Di Baitul Maal Wa Tamwil Islam Abdurab Pekanbaru Madona Khairunisa; Nur Hasanah; Mohd Winario
ISLAMIC BUSINESS and FINANCE Vol 6, No 1 (2025): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i1.37578

Abstract

This study aims to analyze the compliance of contracts and the Standard Operating Procedures (SOP) of financing at Baitul Maal wat Tamwil Islam Abdurrab (BMTIA) Pekanbaru with sharia principles. As a sharia-based microfinance institution, BMTIA plays an important role in providing financing that aligns with Islamic values, such as the prohibition of riba (usury), gharar (uncertainty), maysir (gambling), and the application of justice principles. This research employs a qualitative approach through the analysis of SOP documents. The results show that most of the financing procedures implemented by BMTIA are in accordance with sharia principles, particularly in terms of contract selection, financing mechanisms, and supervisory systems. However, there are several aspects that still need improvement, such as transparency of information to customers and monitoring of financing implementation. Therefore, this study recommends refining the SOP to ensure better alignment with sharia principles and to enhance public trust. These findings are expected to contribute to the development and supervision of Islamic microfinance institutions in IndonesiaKeywords: SOP, Financing, Sharia Principles, BMT, Usury, Sharia MicrofinanceArticle history:   
Pengaruh Label Halal, Izin P-IRT, dan Desain Kemasan Terhadap Keputusan Pembelian Produk IKM Makanan Ringan di Kota Pekanbaru Liyana Dinie Saffai
ISLAMIC BUSINESS and FINANCE Vol 6, No 1 (2025): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i1.34467

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh label halal, izin P-IRT dan desain kemasan terhadap keputusan pembelian produk IKM makanan ringan di Kota Pekanbaru. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui kuesioner yang disebarkan kepada konsumen Produk IKM makanan ringan sebanyak 97 responden yang dipilih secara purposive. Instrumen yang digunakan adalah kuesioner dengan skala likert 5 poin, dan teknik analisis data yang digunakan adalah analisis regresi linier berganda menggunakan SPSS versi 29. Hasil menunjukkan bahwa label halal, izin P-IRT, dan desain kemasan mempengaruhi keputusan pembelian produk IKM makanan ringan, dengan uji t masing-masing sebesar 17,810, 21,336, dan 4,233. Uji F menunjukkan model regresi signifikan dengan nilai Fhitung sebesar 1660,361 dan signifikasi 0,001, serta koefisien determinasi (R2) sebesar 0,981. Penelitian ini menyimpulkan bahwasannya ketiga variabel tersebut merupakan factor penting dalam mempengaruhi keputusan konsumen dalam melakukan pembelian produk IKM makanan ringan Kota Pekanbaru.Kata kunci: IKM Pangan, Label Halal, Izin P-IRT, Desain Kemasan, Keputusan Pembelian. 
Analisis Dampak Kebijakan Moneter Terhadap Pertumbuhan Aset Bank Syariah Sakinah Mulia Diny; Renny Oktafia
ISLAMIC BUSINESS and FINANCE Vol 6, No 1 (2025): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i1.27756

Abstract

The monetary policy plays a significant role in shaping economic conditions, including in the Islamic banking sector. This article aims to analyze the impact of monetary policy on the growth of Islamic banks in the current economic context. The study employs a qualitative method based on previous data, other articles, books, and internet sources to support the research. The analysis results indicate that monetary policy has a significant impact on the profitability of Islamic banks. Changes in interest rates, liquidity, inflation, and other related monetary policy variables have correlations that can influence profit margins and overall bank performance. This research provides insights for financial practitioners, regulators, and academics to understand how monetary policy can affect the stability and growth of Islamic banks. The study also includes adjustments to risk and financial management strategies to address potential changes in market conditions.Monetary Policy, Islamic Bank, Interest Rates
Analisis Bibliometrik Sertifikasi Halal UMKM: Tren, Kontribusi, dan Arah Riset Masa Depan Hesti Ismawarsih; Luqman Hakim Handoko; Azis Budi Setiawan
ISLAMIC BUSINESS and FINANCE Vol 6, No 1 (2025): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i1.37119

Abstract

This study aims to map the development of literature related to halal certification in Micro, Small, and Medium Enterprises (MSMEs) through a bibliometric approach based on Google Scholar data. The method used is a combination of quantitative and qualitative approaches (mixed method), with bibliometric techniques for statistical analysis and systematic literature review for thematic interpretation. Secondary data was obtained through the Publish or Perish application, and analyzed using VOSviewer. The results show that from 2017 to November 2024, there were 133 relevant documents. The most productive author is Fajar from Trunojoyo University (4 publications) and the most productive institution is Trunojoyo. The author with the highest citation rate is Alissa Qotrun Nadya (55 citations). Dominant keywords include "halal certification", while terms such as "branding" are starting to appear in the latest trends, and "halalpreneurship" is relatively rarely used. This study also identified seven clusters of potential research topics based on network and overlay visualization. In addition, there are 6 research topics based on the literature review. These topics can be the basis or guide for the direction of the strategy for developing halal certification research for MSMEs in the future. Keywords: Halal Certification; MSMEs; Bibliometrics
Shariah Compliance, Trust, and Perceived Risk in Digital Islamic Banking: Evidence from Millennial and Gen-Z Users Sukri, Saipul Al; Prihastuti, Asepma Hygi; Nuryanti, Nuryanti
ISLAMIC BUSINESS and FINANCE Vol 6, No 2 (2025): ISLAMIC BUSINESS AND FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i2.38656

Abstract

The development of digital Islamic banking in Indonesia has grown rapidly, yet its adoption level remains below market potential. This study aims to examine the influence of trust, perceived risk, and shariah compliance on users’ adoption intention toward digital Islamic banking services. A quantitative approach was employed through a survey of 200 respondents who had used or were familiar with Islamic digital banking applications. Data were analyzed using linear regression with SPSS. The results show that trust and shariah compliance have a significant positive effect on adoption intention, while perceived risk has a significant negative effect. Shariah compliance emerges as the most dominant factor, indicating that adherence to Islamic principles remains a central determinant of users’ decisions in adopting digital financial services. These findings confirm that adoption of digital Islamic banking is shaped not only by technological aspects but also by value-based considerations, security perceptions, and trust in the service provider.Keywords: digital Islamic banking, trust, perceived risk, shariah compliance, adoption intention.
Pengaruh Literasi Keuangan Syariah terhadap Pemanfaatan Lembaga Keuangan Syariah: UMKM di Kualu Nenas Muzan, Amrul; Sarah, Mai; Amri, Dwi Primawati
ISLAMIC BUSINESS and FINANCE Vol 6, No 2 (2025): ISLAMIC BUSINESS AND FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i2.38861

Abstract

Islamic financial literacy plays an important role in encouraging communities, particularly Micro, Small, and Medium Enterprises (MSMEs), to utilize financial institutions that operate based on Sharia principles. However, the low level of public understanding of Islamic finance remains a challenge for the development of this sector. This study aims to analyze the effect of Islamic financial literacy on the utilization of Islamic financial institutions among MSME actors in Kualu Nenas Village, Kampar Regency. The research employs a quantitative approach with an associative design. The sample consists of 30 MSME actors selected through purposive sampling. Data were collected using a questionnaire and analyzed using simple linear regression with SPSS. The findings indicate that Islamic financial literacy has a positive and significant influence on the utilization of Islamic financial institutions, with a coefficient of determination (R²) of 0.639. This suggests that increased understanding of Sharia principles can enhance the optimal use of Islamic financial products and services by MSMEs. The study recommends more extensive and structured Islamic financial literacy education, especially in regions with a predominantly micro-economic base.Keywords: Institusions, Islamic Financial Literacy, Regression, MSMEs

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