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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 124 Documents
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Persepsi Masyarakat Muslim terhadap Praktik Pembiayaan Bank Titil Mochammad Andrean Hadi Ananda; Mahfiyah Mahfiyah; Miftakhul Jannah
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 10 No 2 (2026): Jihbiz Volume 10 Nomor 2 (Juli 2026)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v10i2.10159

Abstract

This study aims to understand the muslim community's perception of Bank Titil's financing practices in Jatiagung Village, Gumukmas Subdistrict, as a response to urgent financial needs. Using a qualitative approach and in-depth interviews, this study involved community members who use Bank Titil's services to explore their views and experiences. Findings indicate that while the community values the ease and speed of the loan process, they also expressed concerns about the high interest rates that can be burdensome. Factors influencing the Jatiagung community's decision to borrow from Bank Titil include economic factors, ease of access, and their low level of financial literacy, particularly regarding Islamic financial literacy. The implications of this study are important for the government to provide easy financial access to legal and Islamic financial institutions for the village community and provide education related to Islamic financial literacy. This is to ensure that the community maintains Islamic values in conducting economic activities.
Memahami Adopsi Mobile Banking di Kalangan UMKM di Kota Batu: Mengintegrasikan Model Penerimaan Teknologi dan Keunggulan Relatif Prayogi Restia Saputra; Andriati Aziizah Syafitri
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 10 No 2 (2026): Jihbiz Volume 10 Nomor 2 (Juli 2026)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v10i2.10255

Abstract

This study investigates the factors influencing SMEs’ intention to adopt mobile banking by integrating the Technology Acceptance Model (TAM) and Diffusion of Innovation Theory (DOI). Specifically, the study examines the effects of Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Relative Advantage (RA) on Behavioral Intention (BI) to use mobile banking services. A quantitative research approach was employed using a survey of SME owners and managers in Batu City, Indonesia. Data were collected from 165 respondents and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software. The findings reveal that all proposed relationships are significant. Perceived Ease of Use positively influences both Perceived Usefulness and Behavioral Intention. Perceived Usefulness significantly affects Behavioral Intention and emerges as one of the strongest predictors of mobile banking adoption. Furthermore, Relative Advantage significantly influences both Perceived Usefulness and Behavioral Intention, indicating that SME owners are more likely to adopt mobile banking when they perceive clear advantages over conventional banking methods. This study contributes to the literature by extending TAM through the integration of Relative Advantage from Diffusion of Innovation Theory. The findings provide valuable insights for banking institutions and policymakers seeking to promote digital financial inclusion and accelerate the adoption of mobile banking among SMEs.
Green Halal Fashion: Integrasi Prinsip Keberlanjutan dan Syariat Islam dalam Industri Fashion Muslim Indonesia Nurul Jannah
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 10 No 2 (2026): Jihbiz Volume 10 Nomor 2 (Juli 2026)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v10i2.10386

Abstract

This study examines the influence of perceived green value, Islamic environmental ethics, halal brand trust, and modest fashion consciousness on the purchase intention of green halal fashion products among Indonesian millennial Muslim consumers. Using a quantitative approach with a cross-sectional survey design, data were collected via a structured questionnaire from 385 millennial Muslim fashion consumers (aged 18–38 years) in six major cities in Indonesia. Sampling was conducted using purposive sampling, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The results indicate that green perceived value, Islamic environmental ethics, halal brand trust, and modest fashion consciousness have a significant positive effect on purchase intention. The model as a whole explains 61.4% of the variance in green halal purchase intention (R² = 0.614). A mediation test revealed that Islamic environmental ethics partially mediates the relationship between halal brand trust and green perceived value. This study concludes that green perceived value and Islamic environmental ethics are the most influential determinants of purchase intention for green halal fashion products, and formulates the Green-Halal Fashion Triangle model as an integrative conceptual framework.
Peran Mediasi Fintech dalam Meningkatkan Inklusi Keuangan Islam di Kalangan Generasi Z Muhammad Naufal Majid
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 10 No 2 (2026): Jihbiz Volume 10 Nomor 2 (Juli 2026)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v10i2.10416

Abstract

This study aims to examine the influence of Shariah financial literacy on Shariah financial inclusion among Generation Z in Indonesia, using Fintech as a mediating variable. The urgency of this study is evident from the latest National Survey on Financial Literacy and Inclusion, which shows that the Shariah financial literacy index still lags far behind the conventional one. This study uses a quantitative research design with SEM-PLS analysis through SmartPLS 3. The data consists of Muslim Gen Z respondents in Indonesia, collected through purposive sampling. The results show that the Shariah financial literacy variable has a significant positive influence on Fintech and Shariah financial inclusion. The Fintech variable significantly enhances Shariah financial inclusion and serves as a mediating mechanism. The research model explains a substantial variation in the Shariah financial inclusion variable. The effect of Fintech proved stronger than the direct effect of Shariah financial literacy, and the indirect effect via bootstrapping was significant. This indicates Gen Z’s preference for digital financial accessibility and demonstrates that Shariah financial literacy requires a bridge for effective implementation. Enhancing Shariah financial inclusion requires integrating Shariah financial literacy with fintech innovation. Policymakers must prioritize digital financial infrastructure to reach Generation Z in Indonesia.

Page 13 of 13 | Total Record : 124

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