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Abdillah Ubaidi
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jihbiz@uniramalang.ac.id
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+62811379916
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jihbiz@uniramalang.ac.id
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Jalan Mojosari 02 Kepanjen - Malang, Universitas Islam Raden Rahmat
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Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah
Published by Universitas Islam Raden Rahmat Malang
ISSN : 25490397     EISSN : 28076028     DOI : https://doi.org/10.33379/jihbiz.v6i1
Core Subject : Economy,
Economics, Econometrics & Finance
JIHBIZ: Journal of Islamic Economics, Finance, and Banking has a focus study on Islamic economics, Islamic finance, and Islamic banking. While the scope of studies in this journal includes: Islamic Economics: Islamic economics thought, national Islamic economy strategies, the ecosystem of shariah economy, and halal product Fiscal and monetary in Islamic perspective Islamic financial institutions and organizations Islamic social finance: zakat, infaq, sadaqah and waqf Islamic banking, finance and capital market: financial and non-financial performance Shariah compliance and corporate governance Islamic values driving lifestyle practice Islamic business ethics and entrepreneurship
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
 1 
Search results for , issue "Vol 9 No 2 (2025)" : 7 Documents clear
Keadilan dan Niat Keberlangsungan Nasabah Pasca Serangan Siber: Peran Kepuasan Pemulihan Layanan Rini, Susanti Sinta; Hidayat, Farid; Khoiruddin, Akhmad Yusuf; Asyari, Mahfud
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 2 (2025)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v9i2.5563

Abstract

The development of digitalisation is increasing, especially in the banking sector. This is an opportunity for hackers to hack into the system and steal data to demand ransom. This study aims to analyse the effect of Distributive Justice, Procedural Justice, and Interactional Justice on customers' sustainable intention to use BSI after cyber-attacks with service recovery satisfaction as an intervening variable. The object of this research is customers domiciled in the Special Region of Yogyakarta. This research is primary data with data collection techniques using questionnaires and 168 respondents were obtained. This research method uses SEM-SmartPLS version 3.0. The results found from this study indicate that only Procedural Justice, and Interactional Justice have a significant effect on the sustainability intention of BSI customers after cyber-attacks with service recovery satisfaction as an intervening variable.
Implementasi Social Enviromental Governance (ESG) pada Sustainable Financing Perspektif Maqashid Syariah (Studi pada Bank Syariah) Sulistyowati, Sulistyowati; Anam, Choiril
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 2 (2025)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v9i2.6317

Abstract

To improve the services Islamic banking institutions in their operational activities, especially  providing sustainable financing to environmentally friendly customers by implementing Environmental Social Governance, the research to conducted is field research and documentary to answer questions chronologically and systematically about the implementation of Environmental Social Governance (ESG) sustainable financing  intensively and comprehensively reviewing the review of the maqashid sharia of Asy-Syathibi's thoughts. The results of research maximized to achieve the research objectives, including to contribute to thinking and development of science for the academic community of universities in general and especially academic community of IAIN Kediri in Islamic banking and development review the perspective of maqashid sharia related environmental social governance in sustainable financing, while increasing the insight and discourse of all parties related to Islamic banking in terms of funding or financing that implements ESG not  to pursue profit alone, but also to pay attention the benefits for the environment, society, and government, and especially input for Islamic banking institutions to always implement environmental social governance in operational activities.
Penentuan Niat Mahasiswa IAIN Shaikh Abdurrahman Siddik Bangka Belitung dalam Berwirausaha Wulpiah, Wulpiah; Listari, Kiki
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 2 (2025)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v9i2.6335

Abstract

This empirical study aims to determine the factors that influence the intention of IAIN Syaikh Abdurrahman Siddik students to become entrepreneurs. Discussing in an implemented manner whether environmental factors (access to capital, access to information and access to social networks) influence the intention of IAIN students to become entrepreneurs? Do skill factors (communication skills, ability to develop business strategies and ability to operate IT devices) influence the intention of IAIN students to become entrepreneurs? Do orientation factors (entrepreneurial knowledge, entrepreneurial desire) influence the intention of IAIN students to become entrepreneurs? Do obstacles (financial risk, lack of expertise, social risk, and lack of commitment) influence the intention of IAIN students to become entrepreneurs? This study is a quantitative study with descriptive analysis techniques, and inferential analysis, using Multiple Linear Regression, and the assistance of SPSS 23.0 software. The population of this study were IAIN Bangka Belitung students. Respondents in this study were selected using purposive sampling techniques. The population of the study was 500 students from three faculties, so that a sample of 125 students was obtained. Based on the research results, it can be concluded that environmental factors, skills, orientation, and obstacles have a positive influence on entrepreneurial intentions.
Optimalisasi Peran Nazhir dalam Pengembangan Wakaf Produktif Suyanto, Suyanto; Wulpiah, Wulpiah
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 2 (2025)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v9i2.6542

Abstract

The success of Islamic countries shows that waqf can contribute to overcoming economic problems. In Indonesia, waqf management is regulated through Law No. 41 of 2004, Government Regulation No. 25 of 2018, and Minister of Religious Affairs Regulation No. 4 of 2009. The local government and the Belitung Regency BWI are actively developing productive waqf by optimising the role of nazhir. This study uses a case study method with observation, documentation, and interviews with five key informants from the BWI, religious leaders, community leaders, and the nazhir forum. Data analysis refers to Miles and Huberman. The results show that the BWI's nazhir guidance mechanism covers two aspects. First, the recruitment pattern is through letters to village heads and the Religious Affairs Office (KUA), but it is still limited to the village and mosque levels. Second, guidance is carried out through basic socialisation without special certification. Optimising the role of nazhir includes regeneration, technical training, and increasing waqf literacy. BWI Belitung needs to revitalise its management and synergise with Ministry of Religious Affairs programmes such as waqf incubation and the millennial literacy movement.
Efektivitas Sistem Bagi Hasil pada Perbankan Syariah versus Sistem Bunga pada Perbankan Konvensional Hidayat, Hidayat
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 2 (2025)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v9i2.6982

Abstract

This study aims to analyse the effectiveness of profit-sharing systems in Islamic banking compared to interest-based systems in conventional banking, particularly in terms of profitability, risk management, and economic fairness. The main focus is on mudharabah and musyarakah contracts as the main instruments of profit-sharing systems, as well as fixed and floating interest rates in conventional banks. The research method used is qualitative with a descriptive-comparative library research approach. Data was collected through document reviews, financial reports, and scientific literature from official institutions such as the OJK, BI, and academic publications. The results show that the interest system is proven to be superior in generating short-term profitability and margin stability. However, the profit-sharing system provides a more equitable and participatory approach through risk-sharing mechanisms and transparency, despite facing challenges of moral hazard and low sharia literacy. The recommendations of this study emphasise the importance of improving the quality of risk management, transparency, the use of information technology, and sharia financial literacy to optimise the effectiveness of the profit-sharing system as an equitable alternative to the conventional interest system.
Tendensi Penerapan Sikap Sami’na Wa Atho’na Mahasiswa Perbankan Syariah dalam Mempengaruhi Sikap Profesionalisme sebagai Praktisi Mu'akhiro, Syfa'ul; Syafitri, Andriati Aziizah
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 2 (2025)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v9i2.7365

Abstract

Sami'na wa atho'na is a sentence that is often heard and said in everyday life, especially in Islamic boarding school environments. Apart from sami'na wa atho'na, professionalism is an attitude that also has an influence in the work environment. If sami'na wa atho'na is applied in the work environment without professionalism, it will result in poor human resources. Both are equally important to improve employee performance in a company. This research aims to determine the implementation of the sami'na wa atho'na attitude of sharia banking students in depth which is inherent in each individual. And aims to determine the impact that occurs if this attitude is continuously practiced in financial institutions. The object of this research is the Mini Syariah Bank Khaira Ummah, Raden Rahmat Islamic University, Malang. This type of research uses qualitative research using data collection methods, namely observation, interviews and documentation. The results of this research show that Bank Mini Syariah employees have implemented a sami'na wa atho'na attitude and are also accompanied by high professionalism, thus making good human resources, which are in accordance with Islamic sharia rules. The suggestion put forward in this research is that this research can be used as a means of education regarding the influence of the sami'na wa atho'na attitude and professionalism, as well as being a motivation for readers to apply the sami'na wa atho'na attitude and professionalism in their daily lives, especially in the workplace.
Analisis Maqashid atas Arah Kebijakan Ekonomi Syariah Era Reformasi Indonesia Zakiyah, Faridatuz; Al-Ayyuubi, Mohammad Salahuddin
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 2 (2025)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v9i2.7623

Abstract

This study comparatively analyses the direction of Islamic economic policy in Indonesia during the Reform era (1998-2024) through the framework of Maqashid al-Shari’ah. Using a qualitative literature study method with a deductive content analysis approach, this research maps the policy evolution across five presidential administrations: B.J. Habibie, Abdurrahman Wahid, Megawati Soekarnoputri, Susilo Bambang Yudhoyono, and Joko Widodo. The findings reveal a progressive policy trajectory, shifting from a focus on fulfilling essential needs (dharuriyyat) in the early Reform era, such as establishing the legal framework for Islamic banking, to fulfilling secondary needs (hajiyyat) through institutional strengthening and comprehensive legislation, and ultimately reaching the complementary level (tahsiniyyat) with a focus on ecosystem integration, industry consolidation, and global innovations like Green Sukuk. The analysis indicates the dominance of the pillars of preserving wealth (hifz al-mal) and religion (hifz al-din), while also highlighting challenges in translating the substance of Maqashid to the operational level. The contribution of this research is to provide a Maqashid-based policy analysis model and recommendations for aligning future policies to be more holistic.

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