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Balanca : Jurnal Ekonomi dan Bisnis Islam
Published by Institut Agama Islam Negeri Parepare
ISSN : 26859440     EISSN : 27156370     DOI : https://doi.org/10.35905/balanca.v2i1
Core Subject : Economy,
Economics, Econometrics & Finance
Islamic Management, Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic Finance, Islamic Accounting, Islamic Microfinance, Zakah, Waqf, Philantrophy, Poverty Alleviation, Islamic Public Finance, Maqasid al-Shariah, ShariahIssues, Sukuk, Islamic Capital Markets, Insurance and Takaful, Corporate Social Responsibility in Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 86 Documents
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The Role of Fintech in the Transformation of the Cashless Society of the Sharia Financial Sector with A Literature Review Approach Wiyani, Sri; Muhammad Syahbudi; Aqwa Naser Daulay
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 7 No 2 (2025): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v7i2.14908

Abstract

The development of financial technology (fintech) has driven a significant transformation in the Islamic finance sector, particularly toward a cashless society, where transactions are conducted without cash. This study aims to analyze the role of fintech in this transformation through a literature review and bibliometric analysis using data from 21 Scopus journals, 26 from Google Scholar, and 15 from Crossref. Of the 62 journals analyzed, approximately 70% indicate that fintech plays a significant role in increasing financial inclusion, operational efficiency, and the development of Sharia-compliant financial products. Innovations such as digital payments, peer-to-peer lending, and Sharia-compliant investments are key drivers of this transition. Analysis using Vosviewer also reveals the dominance of the keyword "fintech," which is closely correlated with Islamic banking, although specific studies related to a cashless society are still limited. However, challenges such as regulation, data security, and public literacy remain obstacles that need to be overcome. Overall, fintech is a key catalyst in the digitalization of inclusive and sustainable Islamic finance.
PENGARUH LITERASI KEUANGAN DAN PERSEPSI RISIKO TERHADAP MINAT INVESTASI TABUNGAN EMAS PEGADAIAN SYARIAH Rafikah, Syarifah
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol. 8 No. 1 (2026): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v8i1.15063

Abstract

This study aims to determine the influence of financial literacy and risk perception on investment interest in gold savings among customers of Pegadaian Syariah Hasanuddin Gowa Branch. The background of this study is the low level of financial literacy and risk perception in the community, resulting in suboptimal investment decisions, particularly in gold savings products that have the potential for stability and inflation resistance. The research method used a quantitative approach with data collection through questionnaires from 79 respondents using purposive sampling. Data analysis was performed using multiple linear regression to test the influence of variables partially and simultaneosly The results showed that financial literacy had a positive and significant effect on investment interest in gold savings, with a regression coefficient of 0.566 and a significance level of 0.000 <0.05. Risk perception also had a positive and significant effect, with a regression coefficient of 6.592 and a significance level of 0.000 < 0.05. Simultaneously, financial literacy and risk perception significantly influenced gold savings investment interest, with a calculated F of 132.413 > Ftable of 3.117 and a significance level of 0.000 < 0.05. The coefficient of determination (R²) of 0.777 indicates that 77.7% of the variation in gold savings investment interest is explained by these two variables.
The Effect of Knowledge sharing and Organizational Citizenship Behavior on Employee Performance through Innovative Behavior at UPT Asrama Haji Makassar Alam, Syamsul; Akob, Muh; Idris, Ma’ruf
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol. 8 No. 1 (2026): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v8i1.15026

Abstract

This study examines the effect of knowledge sharing and Organizational Citizenship Behavior (OCB) on employee performance with innovative behavior as a mediating variable at UPT Asrama Haji Makassar. Using a quantitative explanatory approach, data were collected through structured questionnaires distributed to 125 employees and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The research gap lies in the limited number of studies that examine the relationship between knowledge sharing, OCB, innovative behavior, and employee performance in public sector organizations, particularly in institutions with bureaucratic characteristics and seasonal workloads such as UPT Asrama Haji. The results show that: (1) knowledge sharing has a positive and significant effect on employee performance, (2) knowledge sharing significantly affects innovative behavior, (3) OCB does not significantly affect performance, (4) OCB positively affects innovative behavior, (5) innovative behavior significantly influences employee performance, (6) innovative behavior mediates the effect of knowledge sharing on performance, and (7) innovative behavior mediates the effect of OCB.
Pemberdayaan Ekonomi Perempuan melalui Pendampingan Usaha Kecil Perempuan di Kota Magelang: Analisis Tinjauan Maqasid al-Shariah Aini, Qurotul; Fitriyani, Yeny; Purwanto, Purwanto
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol. 8 No. 1 (2026): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v8i1.16878

Abstract

This study aims to analyze the effectiveness of women's economic empowerment through small business mentoring in Magelang City, employing the Maqasid al-Shariah framework as a comprehensive analytical lens. Despite the significant role of women in the MSME sector, they continue to face structural barriers, including managerial illiteracy, limited formal financing, and low digital adoption. Using a descriptive qualitative method, this research involved 50 female culinary entrepreneurs, local government officials, and representatives from Bank Syariah Indonesia. Data were gathered through in-depth interviews and thematic analysis. The results indicate that the mentoring program significantly enhanced wealth protection (hifz al-mal) through Islamic financing and fostered managerial trustworthiness (amanah). Digital transformation was successfully adopted as a means (wasail) toward public interest (maslahah), while community networks strengthened mutual assistance (ta’awun). Crucially, the empowerment also secured psychological well-being (hifz al-nafs) by increasing self-confidence and dignity, and protected future generations (hifz al-nasl) through improved educational investment. Although facing challenges like dual-role conflicts and the digital divide, these women emerged as agents of falah, driving inclusive and resilient local economic growth. The findings emphasize the urgency of multi-stakeholder collaboration to expand sustainable, sharia-compliant mentoring models.
Dynamics of Public Trust Toward BAZNAS Post-Corruption Allegations: A Qualitative Phenomenological Study of Muzakki with Digital Sentiment Analysis Haryanti, Peni; Dwi Ari Pertiwi; Athi’ Hidayati
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol. 8 No. 1 (2026): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v8i1.16885

Abstract

Public trust constitutes the fundamental capital in the management of national zakat institutions. However, a significant research gap exists in understanding the dynamics of trust reconstruction following institutional corruption scandals in Islamic philanthropic organizations, particularly studies that integrate phenomenological approaches with digital sentiment analysis. This study aims to analyze the dynamics of public trust toward the National Zakat Agency (BAZNAS) following corruption allegations, through the perspectives of muzakki and social media sentiment analysis. The study employed an interpretive qualitative design with a phenomenological approach (Colaizzi method) involving 15 purposively selected muzakki informants, complemented by content and sentiment analysis of 1,247 comments collected from Instagram, Twitter/X, Facebook, and YouTube during November 2024 through March 2025. Phenomenological analysis identified three essential experiential themes: spiritual-institutional shock (100%), compliance-trust dilemma (86.7%), and adaptive resistance (80.0%). Digital sentiment analysis corroborated a corresponding three-phase temporal pattern: (1) a denial-defensive phase (53.0% neutral sentiment); (2) an anger-disappointment phase (67.4% negative); and (3) an adaptive-constructive phase (22.1% positive). Triangulation between phenomenological findings and digital sentiment analysis demonstrated strong thematic alignment. This study contributes a novel phenomenologically-grounded framework that employs computational sentiment analysis as a triangulating instrument in the context of Islamic philanthropic trust management in Indonesia.
Digital Content Marketing and Halal Skincare Consumption: A Systematic Literature Review of Generation Z Behavior in Indonesia Sofiyah, Siti; Ach. Bakir; Ulum, Bahrul
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol. 8 No. 1 (2026): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v8i1.16595

Abstract

The massive digital transformation in Indonesia’s local skincare industry has positioned content marketing as a critical tool for engaging Generation Z. While conventional marketing studies focus on psychological triggers, this research addresses a significant gap by integrating Islamic business ethics into the digital marketing discourse. This study aims to analyze and synthesize the effectiveness of various digital content marketing strategies through the lens of Siddiq (integrity), Tabligh (transparency), and the mitigation of Gharar (uncertainty). Employing a Systematic Literature Review (SLR) with the PRISMA protocol, 22 final articles were selected within the 2019–2025 timeframe. Findings reveal that the integration of educational and entertainment content (shoppertainment) is most effective when it fulfills the producer's moral responsibility for honest product literacy. Furthermore, User-Generated Content (UGC) acts as a mechanism for social control and transparency in modern muamalah, significantly reducing information asymmetry. The study concludes that for local skincare brands to thrive in an Islamic business model, they must transition from mere sales persuasion to ethical communication anchored in halalan-thayyiban standards.

Page 9 of 9 | Total Record : 86

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