Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah
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
Articles
117 Documents
<![CDATA[Pemberdayaan Ekonomi Lokal Mustahiq Berbasis Filantropi Islam Melalui Zakat Pada Lembaga Amil Zakat di Indonesia ]]>
<![CDATA[Syarifuddin, Syarifuddin]]>;
<![CDATA[Trimulato, Trimulato]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 2 (2024) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v8i2.4405
<![CDATA[The purpose of research on how to empower local economies based on Islamic philanthropy through zakat at amil zakat institutions in Indonesia. The research findings show that the empowerment of the mustahiq local economy based on Islamic philanthropy through zakat amounted to Rp 3.52 trillion or 30.59% of the total distribution and its absorption capacity of 92.77% is said to be very effective in empowering the local economy of mustahiq in Indonesia. Then some local economic empowerment mustahiq based on Islamic philanthropy through zakat, namely Fair Wealth Distribution, Increasing Access and Welfare, Economic Infrastructure Development, Entrepreneurship Empowerment. Then social solidarity, shared responsibility, and economic benefits. The program contributes to the development of a more just, sustainable, and inclusive society. By managing zakat funds wisely, running programs transparently, and involving active community participation, Local economic empowerment of mustahiq through zakat can help overcome economic and social disparities and improve the welfare of Muslims as a whole.]]>
<![CDATA[Religiosity and Consumer Acceptance of the Use of Islamic Digital Banking Services in Indonesia: An Extension of the UTAUT Model ]]>
<![CDATA[Muttaqin, Ibnu]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 2 (2024) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v8i2.4473
<![CDATA[The banking world responds to the concept of SDG's with the concept of Green Banking. The implementation of Green Banking is a demand of the current era, one of which is by implementing Digital Banking, both Digital Services and Digital Banks that have begun to exist in Indonesia. Measurement of digital service acceptance can refer to UTAUT theory, in Islamic banking it is suspected that religiosity contributes to the behaviour of digital service users. This research was conducted using quantitative descriptive techniques. Data was taken by distributing questionnaires obtained 186 respondents. The results show that performance expectations, business expectations, and facility conditions have no significant effect on interest in using, while social influence variables, interest in using, and religiosity are proven to have an effect with a positive coefficient direction. The results of the study recommend that companies focus on marketing strategies by utilizing social influence in the community and continue to increase public interest through promotions and other marketing activities. The religiosity side of customers also needs to be considered considering that it has a contribution to the behaviour of using digital services of Islamic banks in Indonesia.]]>
<![CDATA[Faktor Kunci dalam Mengembangkan Kewirausahaan Hijau Generasi Z Muslim ]]>
<![CDATA[Noor, Sufiana]]>;
<![CDATA[Rahmawati, Fitri]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 2 (2024) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v8i2.4507
<![CDATA[This research aims to test and analyses the influence of Entrepreneurial Education, Entrepreneurial Self-Efficacy, and Entrepreneurial Attitude on Green Entrepreneurial Intention among Muslim Gen Z in Kudus Regency. The type of research used is field research with a quantitative approach. The sample for this research was 233 respondents using a purposive sampling. Analysis was carried out by SPSS 23. The result shows Entrepreneurial Education, Entrepreneurial Self-Efficacy, and Entrepreneurial Attitude have positive influences on the Green Entrepreneurial Intention of Muslim Gen Z. This study suggests that future research could explore how to further integrate Islamic values and mentorship programs to support Muslim Gen Z's green entrepreneurial aspirations.]]>
<![CDATA[Analisis Implementasi SAK Nomor 101 pada Laporan Keuangan di KSPPS BMT UGT Nusantara Capem Kepanjen ]]>
<![CDATA[Manan, Yuliyanti M.]]>;
<![CDATA[Fatimah, Devi Sofiyatul]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 2 (2024) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v8i2.4761
<![CDATA[This study aims to determine the understanding of the management of KSPPS BMT UGT Nusantara Capem Kepanjen Malang about SAK number 101 in the presentation of Islamic financial statements and to determine the application of SAK No. 101 in the presentation of Islamic Financial Statements at KSPPS BMT UGT Nusantara Capem Kepanjen Malang. The type of research used is qualitative research with descriptive analysis. Data collection methods through observation, interviews, and documentation. The results showed that the board only understood the broad meaning of financial statements but did not understand the components contained in each item of financial statements by Sharia principles and SAK No. 101. As for applying SAK number 101 in the presentation of Islamic financial statements at KSPPS BMT UGT Nusantara Capem Kepanjen Malang, it has implemented SAK No. 101 in the presentation of its financial statements.]]>
<![CDATA[Pengaruh Fikih Muamalah, Kompensasi dan Religiositas terhadap Perilaku Curang ]]>
<![CDATA[Artika , Artika]]>;
<![CDATA[Faisal, Yusuf]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 2 (2024) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v8i2.4921
<![CDATA[This research aims to obtain empirical evidence about the influence of muamalah fiqh, compensation and religiosity on fraudulent behaviour. This research uses a quantitative type of research. This research was conducted using a questionnaire distributed to lecturers and practitioners who are members of the Ikatan Ahli Ekonomi Islam (IAEI), Masyarakat Ekonomi Syariah (MES), Forum Dosen Ekonomi dan Bisnis Islam (FORDEBI) and Ikatan Sarjana Ekonomi Indonesia (ISEI). Each questionnaire distributed contains 114 statements for respondents to answer. From the distribution of the questionnaire, 207 respondents provided answers from 22 regions. To get the results of this research, researchers used PLS SEM Version 3.0. The results of this study found that muamalah fiqh has a significant negative effect on fraudulent behaviour, compensation has a significant negative effect on fraudulent behaviour and religiosity has a significant negative effect on fraudulent behaviour. This research focuses on fraudulent behaviour, where this research is new research in discussing the relationship between muamalah fiqh and religiosity which is the basis of the character of the Rasulullah PBUH.]]>
<![CDATA[Tinjauan Hukum Ekonomi Syariah terhadap Akad Qardh Studi Kasus GoPay Later ]]>
<![CDATA[Khaira, Haba Qiestha]]>;
<![CDATA[Irawan, Anggi]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 2 (2024) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v8i2.4931
<![CDATA[Innovation in the financial sector has presented new financing models that integrate technology, including flexible and pay later financing services such as those offered by financial technology (fintech) companies such as GoPay Later. This research aims to conduct a sharia economic law review of the Qardh contract used in the GoPay Later service. The research method used is library research with a descriptive-analytical approach. Data were analysed using a sharia economic perspective and Islamic legal principles related to Qardh contracts. The findings of this research highlight several aspects that need to be considered from a sharia economic law perspective, such as the existence of hidden costs or risks for the parties involved in the transaction. Although the GoPay Later service offers several benefits to its customers, a deeper understanding of sharia economic principles in the context of fintech services is required to ensure compliance with the principles of Islamic law. It is hoped that this research can contribute to the development of regulations and business practices that are more in line with sharia economic principles.]]>
<![CDATA[Tasawuf Marketing: Merekonstruksi Brand Love Islami dengan Pendekatan Sufistik ]]>
<![CDATA[Anwar, Moh Muhlis]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 1 (2025) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v9i1.5197
<![CDATA[Write down your English language (United Kingdom) abstract here. This study explores the dimensions of Islamic brand love through a Sufi approach, aiming to understand how Sufi principles can deepen the relationship between consumers and Shariah-compliant brands. Within the Sufi framework, dimensions of love such as Hulla (friendship), Hawa (passion), Ma’rifa (knowledge), Dzikra (memory), and Ru’ya (vision) are adapted to build a deep emotional and spiritual attachment between consumers and the brand. By integrating Sufi principles into marketing, Shariah-compliant brands can create experiences that not only fulfill emotional needs but also resonate with the spiritual values of consumers. The findings of this study suggest that the Sufi approach can enhance consumer loyalty and satisfaction, offering new insights into brand love in the Islamic context. The study recommends the application of Sufi dimensions in marketing strategies to build more meaningful and sustainable relationships between brands and consumers.]]>
<![CDATA[Shopee PayLater dalam Perspektif Al-Quran (Fatwa Majelis Ulama Indonesia) ]]>
<![CDATA[Rifai, Ahmad]]>;
<![CDATA[Hamidah, Tutik]]>;
<![CDATA[Sofy, Malik]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 1 (2025) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v9i1.5279
<![CDATA[Today's technological advances require humans to always go hand in hand with technology. One of them is buying and selling activities using an online system. This is considered easier and more efficient than offline transactions. One of the popular shopping applications in Indonesia today is Shopee. In practice, Shopee offers a feature called paylater. This research uses a qualitative descriptive research method to describe the practice of using Shopee Paylater loans from the perspective of Islamic law, while what is used is some research that has been done before. This research was conducted using a normative approach to evaluate the strengths and weaknesses of the issues under consideration. In this case whether the practice of using Shopee Paylater loans is Halal or Haram. Actually, it has been fulfilled by Shopee Paylater from the qardh contract both in terms of akid because of the mutual agreement between the two parties, the main object being traded can be trusted, and also shigat in the paylater system there is already a form of transaction confirmation between the two parties which is in accordance with the qardh contract. However, from another aspect, there are instruments that contain usury, namely in the practice of Shopee Paylater there are additions.]]>
<![CDATA[Literasi dan Inklusi Keuangan Syariah Perempuan Muslim di Perumahan Elite the Argopuro Jember ]]>
<![CDATA[Mahfiyah, Mahfiyah]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 1 (2025) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v9i1.5871
<![CDATA[Financial literacy and inclusion are one of the government's programs. It has remained an important issue in recent years. Although there are many studies on Islamic financial literacy and inclusion, it is still rare to target Muslim women in Elite Residential. The purpose of this study is to find out how Islamic financial literacy and inclusion in Muslim Women in The Argopuro Jember Elite Residential. The method used in this study is qualitative. The primary data in this study is Muslim women in Argopuro tea Housing while the secondary data comes from journals or books. The results of this study show that Islamic financial literacy and inclusion in Muslim women in The Argopuro Residential in Jember is still low and needs to be improved. It is inversely proportional to conventional financial literacy and inclusion which is quite good. This research can be a consideration for policy makers in determining strategies to increase Islamic financial literacy and inclusion in Indonesia, especially for women from various social classes.]]>
<![CDATA[Analisis Perilaku Pedagang Pasar Pagu Ditinjau dari Etika Bisnis Islam ]]>
<![CDATA[Nurrokhim, Isma]]>;
<![CDATA[Suherlina, Etik]]>;
<![CDATA[Maghfirah, Izzatun]]>;
<![CDATA[Khamidah, Yuni Astriana]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 9 No 1 (2025) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v9i1.6186
<![CDATA[Trading behaviour in muamalah plays an important role in people's lives in transactions between each other to fulfil daily living needs. This research includes research that uses a qualitative approach, namely in the form of a research procedure that produces descriptive data or in the form of written speech and behaviour that can be observed from the subject himself. The results of this research show that the behaviour of Pagu Market traders in Kediri Regency is partly in accordance with procedures that are in accordance with Islamic teachings, namely prioritizing honesty, showing good behaviour and being careful in carrying out their trading routines. However, there are also things that are not in accordance with Islamic teachings, namely the behaviour of traders who praise the quality of goods unreasonably, the unfriendliness of traders, the dishonesty of traders, and the injustice of traders towards buyers. The trading behaviour of traders in the market is relatively balanced between that which is in accordance with Islamic teachings and trading behaviour that is not yet appropriate.]]>
