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Muhammad Zakiy
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Fakultas Agama Islam, Universitas Muhammadiyah Yogyakarta, Gedung F6 Lantai 2, Jl. Brawijaya, Geblagan, Tamantirto, Kasihan, Bantul, Yogyakarta, 55183
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INDONESIA
Journal of Islamic Economic and Business Research
Published by Universitas Muhammadiyah Yogyakarta
ISSN : 27981207     EISSN : 27981304     DOI : https://doi.org/10.18196/jiebr
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Journal of Islamic Economic and Business and Research is a scientific journal which has specialization of research in Islamic Economic and Business Research. Islamic Economic and Business Research is strategic issues in the world because its role and benefit to societies. Therefore, this issue need more deelpy extractive through a research. We hope that JIEBR can collect all of researchers or academicians to contribute their ideas as a solution to increase the developing of Islamic Economic and Business research in this world. Research publications in JIEBR covers various topics about Islamic Economics, Islamic Philanthropy, Halal Industry, Islamic Finance, Islamic Business Management, Entrepreneurship, and other relevant topics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 10 Documents
 1 
Search results for , issue "Vol. 5 No. 1: June 2025" : 10 Documents clear
Donation-Based Crowdfunding Innovation in Promoting Sustainable Islamic Microfinance: A Literature Review Akhmad Affandi Mahfudz; Rusyda Afifah Ahmad; Helmy Fauzy Ahmad; Penta Shahifah Dena
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.275

Abstract

The purpose of this study is to analyze the efforts to implement the CrowdFunding Platform model as a new face of Islamic philanthropy for the development of Islamic microfinance. This study uses a qualitative method with a contextual approach. Issues such as lack of access to financial services, lack of funding, and cultural barriers can be potential influences and future prospects for innovative and sharia-compliant social crowdfunding models in Islamic microfinance. The results of this study emphasize that the sharia social crowdfunding model must pay attention to sharia principles, transparency, accountability, community involvement and regulatory support. The implications of this study are the potential for developing social resources is very effective and requires continuous innovation, especially if the social funds collected can be managed by institutions and collaborating with the government can support improving the lives of poor people with the challenges of technological advances that attract public trust in the sharia crowdfunding system. Thus increasing the reputation of trust in sharia financial institutions in managing Islamic philanthropic funds. While the novelty in this study is an in-depth analysis of multi-sector collaboration between the government, financial institutions and the community which is a new element in strengthening sustainable and inclusive Islamic microfinance in Indonesia.
Intellectual Capital Efficiency and Sharia Banking Performance in Indonesia: Insights from 2015 to 2022 Duyufur Rohman, Ghifary; Junio, Wilson
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.298

Abstract

This study aims to analyze the influence of Intellectual Capital on the performance of Islamic commercial banks in Indonesia from 2015-2022. The research used a quantitative method with the Fixed Effect Model regression with secondary data obtained from the annual reports published by 9 Islamic commercial banks. The analysis results revealed that Intellectual Capital variables with VAHU, STVA, & and VACA and Financial Risk represented by NPF collectively exerted a significant impact on the performance of Islamic banks in Indonesia. However, partially, only VAHU indicators showed a significant positive effect on ROA. Conversely, VACA and NPF variables exhibited a significant negative influence on ROA, while STVA variables did not significantly affect ROA. The findings suggest a guide for Islamic banks to prioritize their investment in VAHU because of its significant contribution to profitability. In addition, Islamic banks need to increase investment in banking technology and R&D to improve the quality of service to customers. Also, implementing Current Accounts & Saving Accounts strategies to optimize Islamic bank assets and deliver optimal returns. Then, Islamic banks must address factors that affect the NPF rate, such as carefully selecting financing portfolios.
The Impact of Religiosity and Perceived Risk on Sharia Investment Decisions: The Mediating Effect of Perceived Trust Kusumawati, Rita; Nadia, Linda Putri; Jaboob, Mohammed
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.304

Abstract

This study empirically tests the influence of risk perception and religiosity on Sharia investment decisions with a perception of trust as a mediating variable. This quantitative study uses a questionnaire survey method. The questionnaire was distributed online using Google Forms. The research sample was taken using a purposive sampling technique with the criteria of being at least 17 years old, Muslim, and having or currently investing in Sharia stocks on the IDX. While hypothesis testing was carried out using Partial Least Square (PLS). The results show that religiosity can increase perceived trust and sharia investment decisions. Perceived risk only affects Sharia investment decisions and does not affect perceived trust. Indirect results show that perceived trust only partially mediates the relationship between religiosity and Sharia investment decisions and does not mediate perceived risk in Sharia investment decisions. This study contributes to developing the Theory of Planned Behavior regarding the factors influencing Sharia investment decisions. The results of this study can serve as a reference for OJK, BEI, and Sharia investment managers in formulating policies on Sharia investments that promote sustainable growth, safeguard investor interests, and uphold the integrity of the Sharia investment market. The research sample is narrow and conducted quantitatively, so the research results are less broad and in-depth.
Environmental Sustainability in Indonesia: The Impact of Islamic Financial Development, Economic Growth, Poverty, Population on Environmental Quality Siregar, Suci Wulandari; Hasbi
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.346

Abstract

Environmental Quality in Indonesia faces major challenges due to the worsening phenomenon of environmental degradation, driven by rapid population growth, uncontrolled urbanization, and intense economic expansion. Air quality in many regions is declining along with increasing industrial activities, energy consumption, and excessive use of natural resources. This study analyzes the impact of Islamic Financial Development (IFD), economic growth (GDP), poverty rate (POV), and population (POP) on environmental quality, with a focus on air quality. By adopting the Panel Vector Error Correction Model (PVECM) method. Panel data from 34 provinces in Indonesia was comprehensively analyzed to understand short- and long-term dynamics. The results show that IFD contributes positively to environmental quality in the long term through the financing of sustainable projects, while GDP exerts negative pressure in the short term but turns positive in the long term in regions with strong environmental policies. Poverty reductions significantly improve environmental quality in the long term, while population growth consistently puts negative pressure on air quality. This study emphasizes the importance of effective environmental policies and investments in green technologies that are not only focused on urban centers, but also applied evenly throughout the country to ensure the sustainability of environmental quality throughout Indonesia.
Islamic Entrepreneurship Research Trends in A Bibliometric Analysis Based on the Scopus Database (2010-2024) Haris, Muhammad; Abroza, Ahmad; Ardiansyah, Iwan; Syahrudin, M.; Umam, Akmalul
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.351

Abstract

This study aims to conduct a bibliometric review of the scientific literature on Islamic Entrepreneurship from 2010 to early 2024. By applying strict inclusion and exclusion criteria and using quantitative techniques, this study identified and analyzed 36 articles published in 29 relevant journals. Data were retrieved from the Scopus database and analyzed using the Biblioshiny application to describe publication trends, citations, and author collaborations. The results show that research on Islamic Entrepreneurship has grown significantly, with a peak in publications in 2021 and 2022. There are some of the most influential writers who have made significant contributions to the understanding of Islamic entrepreneurship. Malaysia and Indonesia emerged as major contributors, reflecting the high interest in this topic in countries with the largest Muslim populations. The thematic map reveals the evolution of focus from general topics to specific issues such as innovation and SMEs in the Islamic context. Future research agendas are suggested to explore the role of digital technologies, Islamic financing models, social entrepreneurship, and the impact of government policies. These findings emphasize the importance of Islamic Entrepreneurship in a global context and provide a basis for further research in addressing the challenges and opportunities faced by Muslim entrepreneurs.
Evaluating the Performance of Zakat Institutions in Empowering Mustahiq Using Islamic Performance Index Model: A Case Study of Dompet Dhuafa North Sumatra Indonesia Aslami, Nuri; Albani Nasution, Muhammad Syukri; Lubis, Fauzi Arif; Chanda Chansa Thelma
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.368

Abstract

This study aims to describe and explain the measurement of LAZ performance in the transformation of entitled to receive Zakat empowerment using the Islamic Performance Index (IPI) model at the Amil Zakat Institution Dompet Dhuafa North Sumatra. This type of research is field research using a comparative descriptive method with a quantitative approach. The research population was 1838, and they were entitled to receive Zakat in 2022. The sample used was 329 Entitled to Receive Zakat. The analysis technique used in this research is the Islamic Performance Index (IPI), which is the indicator used to determine the condition of entitled-to-receive Zakat households. The results of this study indicate that the IPI model can be used to measure amil Zakat institutions' performance in empowering entitled to receive Zakat welfare. Even so, in this study, the increase in material income is not very significant. This happens because the entitled to receive Zakat used as a sample of respondents are consumptive beneficiaries or ZIS, so it does not significantly increase the entitled to receive Zakat income at LAZ Dompet Dhuafa Waspada. In comparison, the increase in the number of people entitled to receive Zakat religiosity looks very significant after receiving Zakat, infaq, and sadaqah.
Can Young Followers Drive Humanitarian Aid Via Islamic Social Funds? Insights from Muhammadiyah Zakat Institution Munifatussaidah, Asma; Dwi Kurniawan, Bachtiar; Arbi, Dion Saputra; Agustin, Martalia Susantiana
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.378

Abstract

This research aims to observe the intention behavior of the young followers to use the payment services in Muhammadiyah Zakat Institution (LAZISMU) to donate Zakat funds as Islamic Social Finance especially for help national and global humanitarian programs, by adopting the Unified Theory of Acceptance and Use of Technology (UTAUT) Model-2. The payment services used as intermediaries for young donors with beneficiaries for humanitarian and disaster issues, such as natural disasters, hunger, and social conflict. This research used quantitative analytical methods and primary data collected through questionnaire obtained 255 respondents from Y and Z followers, in local Yogyakarta Province. Then the analysis technique is Structural Equation Model (SEM). The result of this research showed that all the variables of the Unified Theory of Acceptance and Use of Technology (UTAUT) Model-2 partially have a positive and significant effect toward young followers’ intention behaviors to pay zakat in the payment services in LAZISMU Yogyakarta. And all variables can affect the intention and use behavior of the payment services in LAZISMU moderated by the variable of Trust from young followers used payment services and digital payment in LAZISMU Yogyakarta. The present research will assist the LAZISMU as a National Islamic Philanthropy Institution in Indonesia, mapping the targets an intention and support of young donors who have accessed payment service for distributing zakat to the mustahik who is included in humanitarian, socio-economic problems, and disaster. Furthermore, this study will contribute to existing literature of Zakat through Zakat Institution. 
Integrating Sharia Principles in Infrastructure Finance: A Government-Business Partnership Scheme for Sustainable Development Nasrulloh; Widodo, Sugeng; Nur Efendi, Mohamad; Septiana, Nurul Izzati
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.387

Abstract

This research explores the financing of infrastructure through the Public-Private Partnership (PPP) scheme, referred to as Kerjasama Pemerintah dan Badan Usaha (KPBU) in Indonesia, and Sharia finance. With the increased global need for sustainable infrastructure, the PPP scheme presents an opportunity to accelerate development in a Sharia-compliant way. This compliance includes the forbidding of lending with interest (riba), uncertainty (gharar), and gamble-like activities (maisir). This study employs a literature review methodology focusing on publications dated 2018 and 2024 and synthesizes existing literature on the Sharia-based PPP models. Significant findings indicate that the PPP schemes combined with the Istisna modality make it possible to comply with the basic Sharia legal requirements, enabling progressive payments to be made in accordance with project milestones. A repayment structure that is paid in stages rids people of the burden of usury and enhances transparency while reducing financial risks. Insight from primary data reveals that through effective regulation and stakeholder participation, along with adequate supervision, transparency and efficiency can be greatly enhanced. The added contribution of this research is that it develops a practical operational framework for the Sharia PPPs, which can be utilized in almost all infrastructure developmental activities. These frameworks propose measurable efficiency and accountability while complying with Islamic financial requirements. The findings present sharia infrastructure financing that is equitable, effective, and sustainable, providing fundamental policy insights to regulators, sharia practitioners, and other stakeholders.
Zakat Collection Strategy to Enhance Financial System Capabilities National Zakat in Support of the Ummah's Economy Utami, Pertiwi; Ali, Juhary; Suryanto, Tulus
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.393

Abstract

This research investigated how zakat collection strategies can be carried out through the role of government, GCG, the decision to pay zakat and the trust of the community. The aim is to increase opportunities for the national zakat financial system carried out by the Central National Zakat Amil Agency (BAZNAS) to support the ummah's economy. A case study research design with a quantitative approach guided the research. Outer model analysis with the help of Smart PLS was used to identify scores for research variable indicators. The four findings are as follows: the role of government through technological indicators needs to be improved for better zakat management, GCG through effectiveness and efficiency indicators in processes and institutions needs to produce output that can meet community needs while making the best use of resources, high public trust through a dynamic relationship between Amil Zakat, OPZ, and the public must be created as well as possible, and the decision to pay zakat through increasing technological competence plays an important role in supporting zakat collection strategies, especially those based on digitalization. Thus, it can be concluded that based on Muzzaki's perception of zakat collection strategies, the four main indicators with the highest scores for each variable can increase the opportunity for the national zakat financial system to contribute to supporting the ummah's economy. The government in collaboration with BAZNAS needs to pay serious attention to strategic efforts to increase public trust in BAZNAS, especially through word-of-mouth promotion strategies, outreach, education, implementation of information technology, and also reducing high operational costs by emphasizing efficiency and good management.
Analysis of Islamic Banking Performance in West Nusa Tenggara Post Global Financial Crisis 2008-2009: Error Correction Model Approach Aprizal, Anggi; Basuki, Agus Tri; Wiranatakusuma, Dimas Bagus
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.411

Abstract

Islamic Banking has an important role in supporting economic growth and financial stability. The positive development of Islamic Banking in West Nusa Tenggara (NTB) is a strategic concern, considering that studies at the provincial level are still limited, especially regarding the influence of internal and external factors. This study analyzes the performance of Islamic Banking in NTB during 2010-2023 using Return on Assets (ROA) as an indicator of profitability, with the Error Correction Model (ECM) method to measure short-term and long-term relationships. Internal factors include Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Bank Size (BS), and Third Party Funds (TPF). External factors include Gross Regional Domestic Product (GDRP), inflation (INF), exchange rate (ER), and Islamic Stock Index (ISS). The study results show that internally, FDR has a significant negative effect in the long term, reflecting liquidity risk. NPF has a negative impact in the short term but a positive impact in the long term, indicating optimal risk management. BS shows operational inefficiency, while DPK has a significant positive effect in the short term but a negative effect in the long term. Externally, GRDP supports profitability in the short and long term. Inflation has a significant negative impact, the exchange rate has a significant positive impact in the long term, and ISS has a significant positive impact in the long term. This study emphasizes the importance of increasing liquidity efficiency and financing risk management by Islamic banking. The government and regulators also need to maintain economic stability through controlling inflation and the exchange rate to support the performance of this sector.

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