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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 83 Documents
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Qualitative Study on the Factors Affecting the Occurrence of Agency Problem in Microenterprise Financing in Baitul Maal wa Tamwil Martiana, Andri; Kassim, Salina; Zakariyah, Habeebullah; Siti Raihanun
Journal of Islamic Economic and Business Research Vol. 4 No. 2: December 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v4i2.323

Abstract

Baitul Maal wa Tamwil (BMT), a financial cooperative organization, managed by people, can provide informal funding for households. However, the agency problem poses challenges for financial institutions operating in that micro sector, as financiers may struggle to monitor borrower characteristics, efforts, or profitability, leading to inefficiencies in the microcredit market. Further research is needed to determine the root causes of these problems. Empirical investigations show that the recommended methodology has not been effective, indicating a need for better methodological amendments and critical reevaluation. This study investigates factors affecting agency problems in microenterprise financing using a qualitative approach. The study involved 49 participants from eight selected BMTs, academics, and regulators, who were interviewed, observed, and analyzed for in-depth understanding. Data verification was done through triangulation, and reliability was ensured through transcript review, accurate codes, and continuous comparison with codes using NVivo. According to the study's findings, member behavior, incomplete financial analysis, lack of human resources, poor communication, Sharia compliance concerns, and lack of Islamic financial literation led to agency problem in BMT. The formation of this issue is predominantly due to poor management, inadequate levels of assistance, and incompetent management. The study reveals that issues in BMT microenterprise finance are primarily due to poor management, inadequate assistance, and incompetence. The problem is exacerbated by member behavior, incomplete financial analysis, lack of human resources, poor communication, Sharia compliance concerns, and lack of Islamic financial literacy. The study recommends adopting agency theory, increasing operational efficiency, strengthening member education, and managing compliance concerns. Practical suggestions include improving regulatory frameworks and training programs.
A Comparative Study of Halal-Compliant and Non-Halal-Compliant Meat Prices and its Influence on Halal Certification in the Lanao Region, Philippines Sarip, Norhana S.
Journal of Islamic Economic and Business Research Vol. 4 No. 2: December 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v4i2.325

Abstract

The increasing concern regarding permissible food within Islamic communities has contributed to a recent surge in demand for Halal meat. To address this knowledge gap, the objective of this research is to examine the significance of factors influencing Halal certification and its effect on the pricing of Halal-compliant meat. The study employed a non-experimental descriptive research framework to explore the correlation between two primary uncontrolled variables: the price of Halal-compliant meat and Halal certification. Qualitative data were collected based on the demographic characteristics of meat store proprietors in selected municipalities in Lanao Del Sur and Iligan City. Based on the survey findings, it was determined that consumers in the selected research locale of the Lanao region are willing to pay an additional 10 to 50 pesos (PHP) for Halal-compliant meat compared to non-Halal options, depending on the prevailing market price. The respondents also evaluated the factors that influence halal compliance among proprietors of halal-compliant meat shops in Lanao del Sur. The variable representing accessibility to a Halal Certifying Body shows a coefficient of approximately 13.9605, with a statistically significant p-value of 0.028. This finding indicates a significant positive relationship between accessibility to halal certification and the pricing of Halal-compliant products. Economic planning that aligns with Halal principles is essential for advancing the Halal market by enhancing infrastructure and accreditation criteria, supporting small and medium enterprises, and increasing consumer awareness. By implementing these strategies, the Philippines can position itself as a significant player in the global Halal market, contributing to economic growth, job creation, and cultural diversity, particularly in the Lanao region.
Microfinancing, Preference and Loyalty Analysis: A Study of Islamic Microfinance Institutions in Indonesia Riduwan; Amrullah; Danupranata, Gita; Wahyudi, Rofiul
Journal of Islamic Economic and Business Research Vol. 4 No. 2: December 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v4i2.366

Abstract

This study aims to analyse people's preferences and loyalty to using microfinance. The research utilised a descriptive qualitative method by conducting in-depth interviews with microbusinesses and stakeholders. The research population comprised microfinance users with a sample size of 186 people from various regions in Indonesia, along with 18 people from the management of Islamic microfinance institutions. The results of the research suggest that preferences and loyalty in using microfinance are mostly influenced by the speed of service, ease of procedures, and personal relationships. Apart from that, the belief that business owners are free from usury (riba) is also a determining factor in choosing Islamic microfinance despite the higher cost. The findings also show that micro-business owners receive social benefits in the form of mentoring to help develop their businesses. The results of this study provide a significant contribution to understanding the factors that influence people's preferences and their loyalty to using microfinance. The research results can provide a valuable basis for stakeholders to formulate financing policies that are more suitable to the needs and conditions of the community and micro businesses.
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. 

Page 7 of 9 | Total Record : 83

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