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Islamiconomic: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Sultan Maulana Hasanuddin Banten
ISSN : 20853696     EISSN : 25414127     DOI : 10.32678/ijei
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Islamiconomic: Jurnal Ekonomi Islam (IJEI) is a periodical scientific publication intended for economists who want to publish their articles in the form of literature studies, research, and scientific development in the field of Islamic economics. IJEI was first published in 2009 which is annually published twice (June and December). IJEI works closely with the Islamic Economist Association (Ikatan Ahli Ekonomi Islam) and Islamic Economic Society (Masyarakat Ekonomi Syariah) which provides editorial members, peer reviewers, and authors, both are professional associations related to IJEI aims and scopes. IJEI invites manuscripts in the areas: Islamic Economics, Islamic Banking, Islamic Business, Islamic Management, and Islamic Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 181 Documents
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Integrating Good Governance Business Sharia into Maqasid Sharia: Evidence from Islamic Rural Banks in Indonesia Muhammad Ridlo Zarkasyi; Agung Lia Handayani; Setiawan bin Lahuri; Royyan Ramdhani Djayusman; Adi Rahmannur Ibnu
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 1 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i1.906

Abstract

This study explores the implementation of Good Governance Business Sharia (GGBS) at PT BPRS Mitra Mentari Sejahtera through the framework of Maqasid Shariah. The research examines how governance principles rooted in Sharia values are translated into institutional practices and how they contribute to the realization of ethical and sustainable business objectives. Using a descriptive qualitative approach with a case study design, data were collected through interviews, documentation, and institutional reports, then analyzed using Atlas.ti 09. Findings reveal that BPRS Mitra Mentari Sejahtera has effectively incorporated GGBS principles by promoting transparency, accountability, and adherence to Sharia ethics. However, limited public disclosure—particularly the unavailability of annual reports—remains a major challenge, potentially weakening stakeholder trust and institutional credibility. The study emphasizes the need for stronger transparency mechanisms, enhanced collaboration with Sharia supervisory bodies, and continuous education to reinforce Maqasid Shariah within governance structures. Overall, this research underscores the pivotal role of GGBS in achieving Sharia objectives and advancing ethical governance in the Islamic financial sector.
Digital Payment, E-Commerce, and Social Media Effects on Halal Culinary Purchase Decisions: Evidence from Yogyakarta, Indonesia Ifa Azzahra Farhatannisa; Miftahus Surur
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.924

Abstract

The development of science and technology in the food sector enables food or beverage production to be carried out quickly and efficiently. One aspect that has received attention is the need for halal food or drinks. The concept of "halal" in Islam refers to anything that is permissible under Islamic law. This study aims to analyze the influence of e-payment, e-commerce, and social media on halal culinary purchase decisions in Yogyakarta (Case Study of Dimsum Narawi Consumers). The method used in this study is quantitative, with data collected as primary data. The population in this study consists of visitors who have purchased Dimsum Narawi in Yogyakarta. The sampling technique used is purposive sampling, with a sample of 100 respondents, and Levene's test is used. Primary data were collected through a questionnaire using Google Forms. The data analysis technique uses SmartPLS version 3.0. The results showed that the e-payment variable (X1) and social media (X3) affected purchase decisions, whereas the e-commerce variable (X2) did not.
Bibliometric and Systematic Review of Development-Oriented Zakat Management in Depok City, Indonesia Ade Nur Rohim; Lili Puspita Sari; Kevin Shaquille Lesmana; Ilham Alivian
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.993

Abstract

This study maps and analyzes research trends on zakat management in Depok City, Indonesia, and examines its contribution to local development from 2020 to 2024. Forty relevant articles identified through Google Scholar using the Publish or Perish tool were analyzed with VOSviewer software. The findings reveal four main thematic clusters: studies on Baznas of Depok City as an institutional entity, zakat management practices, determinants of zakat payment behavior, and Amil Zakat Institutions (LAZ). Most research focuses on the distribution of zakat funds for empowerment-oriented economic programs. The trend analysis shows fluctuating research activity, peaking in 2022 and declining thereafter, with contributors affiliated with both Islamic and general higher education institutions. The novelty of this study lies in its localized bibliometric approach, which systematically captures the intellectual structure of zakat research at the city level—an area rarely explored in prior literature. Its scholarly significance lies in advancing understanding of how local zakat governance contributes to sustainable community development. Practically, it offers evidence-based insights for policymakers to strengthen institutional performance and diversify productive zakat programs. The study’s limitation lies in its reliance on Google Scholar data, suggesting the need for broader database coverage in future research.
Analysis of Cash Waqf Endowment Fund as a Sharia Investment in Indonesia and Saudi Arabia Asri Noer Rahmi; Syurmita Syurmita; Ade Wirman; Weni Hawariyuni; Heri Sudarsono
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.1351

Abstract

This study examines the role of cash waqf endowment funds as an Islamic investment instrument, with a comparative focus on LAZ Al-Azhar Indonesia and waqf institutions in Saudi Arabia. Cash waqf represents an innovative model of sustainable Islamic finance that integrates Sharia-compliant investment principles with broader socio-economic development objectives. This research aims to analyze the contribution of cash waqf investment funds to socio-economic outcomes, particularly income enhancement, healthcare improvement, and educational development. While also assessing their financial sustainability. Using a qualitative-descriptive and comparative approach based on financial reports and institutional data from 2022 to 2024, the findings indicate a significant increase in the implementation of productive waqf during the observed period. The results demonstrate that cash waqf funds have contributed positively to social welfare indicators, including poverty alleviation, hunger reduction, improved access to education, and the promotion of decent work opportunities. Furthermore, the integration of digital financial technology has enhanced efficiency and transparency in the collection and management of cash waqf, while simultaneously lowering entry barriers for waqif participation. The study also finds that the financial management of cash waqf institutions, particularly LAZ Al-Azhar Indonesia, reflects a high level of transparency and accountability, thereby strengthening institutional trust and sustainability. These findings highlight the strategic potential of cash waqf as a viable instrument for advancing inclusive and sustainable development within the framework of Islamic economics.
Effectiveness of The BYOND Application in Gold Installment Transactions at Bank Syariah Indonesia: Phenomenological Study Elisa Tri Rahayu; Dony Burhan Noor Hasan
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1363

Abstract

This study aims to determine the effectiveness of the BYOND by BSI application in supporting gold installment transactions at Bank Syariah Indonesia based on user experience. The approach used is a qualitative descriptive phenomenology (Husserlian) transcendental approach involving several informants, consisting of active customers and employees of Bank Syariah Indonesia KCP Lamongan, selected through purposive sampling techniques until data saturation is reached. Data were collected through in-depth semi-structured interviews and analyzed using NVivo 14 through thematic coding techniques based on the stages of Moustakas and Colaizzi. The results show that the application's effectiveness is determined by three main pillars: technological ease, sharia compliance, and user experience quality. This third pillar contributes significantly to customer trust and loyalty, in line with the Technology Acceptance Model (TAM), which contradicts the Sharia compliance dimension. Identified obstacles include network disruptions, limited gold stock, OTP errors, and low digital literacy in understanding digital sharia contracts. This research contributes to the development of Islamic fintech literature by offering a three-pillar model as a framework for evaluating the effectiveness of digital Islamic banking applications, while also providing strengthening of technological infrastructure and sustainable Islamic education programs.
Determinants of MSMEs’ Adoption of Islamic Banking Products: The Role of Halal Lifestyle, Islamic Financial Literacy, and Trust Ziadatul Nur Qholishoh; Heny Yuningrum; Muyassarah Muyassarah
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1404

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting Indonesia’s economic growth; however, the market share of Islamic banking remains relatively small compared to conventional banking, particularly among MSME actors. This indicates that MSMEs' use of Islamic banking products remains limited and may be influenced by behavioral and cognitive factors. Previous studies tend to examine financial literacy or trust separately, leaving a limited understanding of how halal lifestyle, Islamic financial literacy, and trust simultaneously influence MSMEs’ decisions to use Islamic banking products. This study aims to analyze the influence of halal lifestyle, Islamic financial literacy, and trust on MSMEs’ decisions to use Islamic banking products in Central Java. This study employs a quantitative approach, collecting primary data from 100 MSME actors via questionnaires and analyzing them using multiple linear regression. The results show that a halal lifestyle and trust have a positive and significant effect on MSMEs’ decisions to use Islamic banking products, whereas Islamic financial literacy has a significant negative effect, suggesting that higher literacy may encourage MSME actors to be more critical and selective in their choice of financial institutions. The three variables simultaneously explain 62.7% of the variation in MSME decisions, with trust identified as the most dominant factor. These findings contribute to the consumer behavior perspective in Islamic finance by integrating halal lifestyle, Islamic financial literacy, and trust to explain MSME financing decisions in Islamic banking.
Understanding Cash Waqf Intention among Academics: The Role of Financial Literacy as a Moderating Variable Zulkarnaen Zulkarnaen; Asyari Asyari; Hesi Eka Puteri; Aidil Alfin
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1410

Abstract

Despite Indonesia’s substantial potential for cash waqf, its realization remains far below expectations, suggesting relatively low public interest in participating in such initiatives. This study aims to examine the effects of attitudes, subjective norms, religiosity, and information media on the intention to participate in cash waqf, with cash waqf literacy positioned as a moderating variable among lecturers of the Faculties of Islamic Economics and Business at State Islamic Religious Universities (PTKIN) in West Sumatra. This research employs a quantitative, survey-based approach. Primary data were collected via questionnaires distributed to 150 lecturers and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The findings reveal that attitudes, subjective norms, religiosity, and information media significantly and positively influence cash waqf intention. However, cash waqf literacy does not significantly moderate the relationships between these variables and cash waqf intention. These findings contrast with prior studies suggesting that cash waqf literacy plays a significant role in enhancing participation intention. The absence of a moderating effect indicates that the determinants proposed by the Theory of Reasoned Action (TRA) exert a strong, direct influence independent of literacy levels. In practice, the results imply that waqf institutions and nazhir should reconsider their strategic focus, shifting from literacy-based campaigns to strengthening transparency, trust, and institutional credibility, particularly when targeting academics and upper-middle-class Muslim communities.
Evaluating The Effectiveness of The Binjai Cerdas Program for Baznas Beneficiaries in Binjai City Salwa Apriliza; Juliana Nasution; Rahmat Daim Harahap
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1454

Abstract

This study aims to analyze the success rate of the Binjai Cerdas Program organized by the National Zakat Agency (BAZNAS) of Binjai City. Previous studies have mainly focused on the effectiveness of zakat distribution in general, while evaluations of local zakat education programs remain limited. This study employs a quantitative, descriptive method. The sample comprised 100 respondents who received assistance from the Binjai Cerdas Program and were purposively selected. Data were collected via questionnaires and analyzed using IBM SPSS Statistics, including validity and reliability tests and descriptive analyses. The results indicate that all research instruments are valid and reliable, with a Cronbach’s Alpha value of 0.955. Descriptive analysis shows that the program’s effectiveness achieved 82.6%, target accuracy 84.6%, educational impact 86.6%, and program sustainability 90.2%, all of which fall into the “highly successful” category. The findings indicate that the Binjai Cerdas Program has been implemented effectively, is well-targeted, positively impacts beneficiaries’ education, and demonstrates good sustainability. The novelty of this study lies in integrating effectiveness, targeting accuracy, educational impact, and sustainability into a single evaluation framework. Theoretically, this study contributes to the Islamic social finance literature by highlighting the role of educational zakat in supporting human capital development. In practice, the findings provide BAZNAS with insights into improving the effectiveness and sustainability of educational assistance programs.
Examining the Mediating Role of Tax Compliance in the Relationship Between Tax Awareness, Tax Amnesty, Religiosity, and Motor Vehicle Tax Revenue: Evidence from Sibolga City Nabila Lubis; Marliyah Marliyah; Imsar Imsar
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1470

Abstract

This study examines the direct and indirect effects of tax awareness, tax amnesty, and religiosity on motor vehicle tax (MVT) revenue through taxpayer compliance in Sibolga City, Indonesia. The study addresses a gap in the local taxation literature by integrating tax awareness, tax amnesty, and religiosity into a single mediation model based on the Theory of Planned Behavior (TPB), with taxpayer compliance serving as the mediating variable. A quantitative research design was employed using survey data collected from 94 registered motor vehicle taxpayers selected through purposive sampling. Data were analyzed using path analysis based on multiple regression to estimate direct, indirect, and total effects among the variables. The findings reveal that tax awareness and religiosity positively and significantly influence taxpayer compliance, whereas tax amnesty exerts a significant negative effect. Taxpayer compliance significantly enhances motor vehicle tax revenue and partially mediates the relationships between tax awareness, tax amnesty, religiosity, and tax revenue. Tax awareness demonstrates the strongest positive total effect on tax revenue, while repeated tax amnesty programs are associated with lower taxpayer compliance and reduced tax revenue, indicating the potential emergence of moral hazard. The study extends the Theory of Planned Behavior by demonstrating the mediating role of taxpayer compliance in explaining the relationship between behavioral and policy-related determinants and local tax revenue. These findings provide practical implications for local governments by emphasizing taxpayer education, strengthening voluntary compliance, improving digital tax services, and carefully evaluating the implementation of recurring tax amnesty programs to achieve sustainable regional tax revenue.
Integrated Productive Waqf Framework: Strengthening The Synergy Between Commercial Finance and Islamic Social Finance for Sustainable Economic Development Muhamad Turmudi; Sarehan Sulong
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1457

Abstract

Productive waqf has increasingly been recognized as a strategic instrument for promoting sustainable socio-economic development and strengthening the role of Islamic finance. However, its implementation remains constrained by fragmented financing mechanisms and limited integration between commercial finance and Islamic social finance. This study aims to develop a conceptual framework that explains how the synergy between these financing mechanisms can enhance the sustainability and effectiveness of productive waqf. Employing a qualitative library research approach with conceptual analysis, this study critically reviews and synthesizes contemporary literature, institutional reports, and relevant regulatory frameworks on productive waqf, Islamic social finance, commercial finance, and sustainable Islamic economic development. The analysis demonstrates that productive waqf can generate greater socio-economic impact when Islamic banks, waqf institutions, Islamic social finance organizations, regulators, and other stakeholders collaborate within an integrated governance ecosystem. Based on this synthesis, the study proposes the Integrated Productive Waqf Framework (IPWF), which integrates commercial finance, Islamic social finance, governance mechanisms, stakeholder collaboration, and sustainable development objectives into a unified conceptual model. The proposed framework contributes to the advancement of Islamic economics by providing a comprehensive perspective for strengthening productive waqf governance and offering practical insights for policymakers, Islamic financial institutions, and waqf managers in optimizing the role of waqf in sustainable economic development.

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