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Diponegoro Journal of Islamic Economics and Business
Published by Universitas Diponegoro
ISSN : -     EISSN : 28093895     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
DJIEB is an academic Indonesian journal published by Islamic economics study programme, Faculty of Economics and Business, Universitas Diponegoro, Semarang. it is dedicated to academicians, researchers, and practitioners who want to disseminate their idea or knowledge about various field of Islamic Economics, Business, Finance, Banking and Accounting. DJIEB invites contribution from academicians, researchers, and practitioners not only from Indonesia but also from overseas who are interested in related disciplines. DJIEB is published four times a year both in Bahasa or in English.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 5 Documents
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Search results for , issue "Vol 5, No 1 (2025): Juni" : 5 Documents clear
DAMPAK INOVASI INTERNET BANKING (E-BANKING) TERHADAP KINERJA BANK UMUM SYARIAH DI INDONESIA hamdi, luthfia ahluljannati
Diponegoro Journal of Islamic Economics and Business Vol 5, No 1 (2025): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.26562

Abstract

One of the non-cash transactions implemented in Islamic Commercial Banks in Indonesia is internet banking (e-banking) services. This study aims to determine the impact of Internet Banking (E-Banking) innovation on the financial performance of Islamic Commercial Banks in Indonesia. The population of this study consists of all Islamic Commercial Banks in Indonesia in 2013 to 2023. According to the Financial Services Authority's Islamic Banking Statistics Data in 2013, there were 11 Islamic commercial banks in Indonesia. As a result of the merger of several Islamic banks, this study obtained data from 6 Islamic commercial banks as samples. The results of the study indicate that the Implementation of Internet Banking (IB) has a negative effect on Return on Assets (ROA). This is thought to be due to costs associated with internet banking services, such as infrastructure, maintenance, and human resources, which require higher expenditures compared to the income generated from the internet banking service itself. In addition, the increasing frequency of internet banking service updates has the potential to reduce bank profitability (ROA) due to the high costs associated with device updates, which in turn reduce income. Overall, the costs paid by Islamic banks to provide internet banking services involve various components of quite large costs, ranging from system development and maintenance to transaction costs, security, and sharia compliance. SIZE, DEPOSIT, NPF and BOPO affect the performance of Islamic commercial banks in Indonesia. The empirical findings of this study have significance for the development of e-banking which will bring long-term benefits to the entire banking industry in Indonesia.
ENHANCING BUSINESS SKILLS OF MICRO WAQF BANK CLIENTS THROUGH PESANTREN COMMUNITY VOCATIONAL TRAINING CENTRES IN INDONESIA FAUZI, MUHAMAD; Kamil, Adinda Zahra Raisya; Masykur, Harun
Diponegoro Journal of Islamic Economics and Business Vol 5, No 1 (2025): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.27319

Abstract

The Micro Waqf Bank (BWM) focuses on financing and business mentoring, and the Community Vocational Training Centre (BLKK) emphasises the development of technical skills, both based in Islamic boarding schools (pesantren), share a core value of economic empowerment, but have yet to demonstrate a synergistic pattern in implementing integrated empowerment. The research aims to identify patterns for enhancing the business skills of Micro Waqf Bank clients through the pesantren-based Community Vocational Training Centre. The qualitative research method uses a Systematic Literature Review (SLR) approach. Data were collected from international journals indexed by Scopus, ERA, MyCite, WoS, DOAJ, Google Scholar, and SINTA, published between 2019 and 2025. Data analysis was conducted using content analysis with Evidence-Based Software Engineering (EBSE) techniques. The results identified seven main patterns in improving the business skills of Micro Waqf Bank clients through the pesantren community vocational training centre: initial needs and business potential identification, business training planning, training implementation, business mentoring, access to financing and capital, and strengthening networks and marketing. The research implications highlight the importance of pesantren-based economic empowerment synergy that integrates financing and skills training comprehensively to enhance clients' business independence. The research limitation lies in using a literature review method without empirical field data, making it conceptual and requiring further verification. The research contributes to developing a systematic pattern for business skills improvement as a model for integrated empowerment programmes based in pesantren. Future research should conduct empirical field studies to test this pattern's effectiveness and explore supporting and inhibiting factors.
DAMPAK PROGRAM BANKZISKA DALAM PEMBERDAYAAN UMKM YANG TERJERAT BANK PLECIT: STUDI KASUS PADA LAZISMU JEMBER Hardiyanti, Dwi Yuliana
Diponegoro Journal of Islamic Economics and Business Vol 5, No 1 (2025): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.25028

Abstract

Penelitian ini bertujuan untuk menganalisis dampak program bantuan keuangan berbasis Zakat, Infaq, Sedekah dan Sosial Keagamaan (Bankziska) LAZISMU Jember terhadap pemberdayaan UMKM yang terjebak pinjaman bank plecit. Program Bankziska menawarkan pinjaman tanpa bunga dan biaya untuk membantu UMKM keluar dari jeratan utang dan mendukung keberlangsungan usahanya. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi kasus, yaitu wawancara dengan penerima manfaat UMKM dan pengelola Bankziska. Hasil penelitian menunjukkan bahwa program Bankziska memberikan dampak positif bagi UMKM, banyak pelaku usaha yang berhasil keluar dari utang bank yang rendah dan meningkatkan modal usahanya. Dampak ini juga mendukung peningkatan perekonomian umat Islam berdasarkan prinsip syariah dan memperkuat fondasi perekonomian berkelanjutan melalui pengelolaan zakat, infaq, sedekah, dan wakaf. Program Bankziska tidak hanya memberdayakan UMKM, namun juga mendukung kegiatan dakwah dan pembangunan sosial yang sejalan dengan nilai-nilai Islam. Namun keterbatasan informasi mengenai program ini menjadi kendala bagi banyak UMKM yang tidak memiliki hubungan langsung dengan LAZISMU. Kedepannya, disarankan agar LAZISMU memperkuat sosialisasi program Bankziska untuk menjangkau lebih banyak UMKM di Jember, serta memberikan pendampingan berkelanjutan untuk mendukung pengelolaan usaha yang lebih efektif. Selain itu, UMKM disarankan untuk memanfaatkan program ini dan meningkatkan pemahaman mereka tentang pengelolaan keuangan yang bijak.Kata Kunci: Bankziska, pemberdayaan, pinjaman tanpa riba, UMKM, LAZISMU
ANALISIS TRANSAKSI E-COMMERCE DI FACEBOOK MARKETPLACE DALAM PERSPEKTIF ETIKA BISNIS ISLAM (Studi Kasus Mahasantri Dayah Darul Faizin Al-Aziziyah, Kota Lhokseumawe) ABRAR, MUHAMMAD
Diponegoro Journal of Islamic Economics and Business Vol 5, No 1 (2025): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.26000

Abstract

Perkembangan teknologi digital telah mengubah berbagai aspek kehidupan, termasuk dunia bisnis. Perdagangan elektronik (e-commerce), khususnya melalui platform seperti Facebook Marketplace, memungkinkan terjadinya transaksi daring antar pengguna di wilayah tertentu. Penelitian ini mengkaji penerapan etika bisnis Islam dalam transaksi e-commerce di Facebook Marketplace oleh mahasantri Dayah Darul Faizin Al-Aziziyah, Lhokseumawe. Penelitian ini menggunakan pendekatan kualitatif dengan pengumpulan data melalui wawancara dan pengamatan langsung terhadap pelaku usaha di platform tersebut. Hasil penelitian menunjukkan bahwa sebagian besar transaksi telah sesuai dengan prinsip etika bisnis Islam, seperti keadilan dan transparansi. Namun, masih terdapat kendala berupa ketidakjelasan harga, deskripsi produk, dan perubahan harga tanpa pemberitahuan terlebih dahulu, yang melanggar asas al-'adl (keadilan) dan gharar (ketidakpastian). Oleh karena itu, diperlukan peningkatan edukasi berbasis digital dan pembentukan komunitas untuk mendukung penerapan prinsip syariah dalam berbisnis. Dengan adanya penelitian ini, diharapkan transaksi yang dilakukan dapat lebih adil, transparan, dan berkelanjutan.
PENGARUH NON-PERFORMING FINANCING DAN FINANCING TO DEPOSIT RATIO TERHADAP RETURN ON ASSET PADA PERBANKAN SYARIAH INDONESIA 2020-2024 Masalingi, Abdurrahman; Sopingi, Imam; Musfiroh, Anita; K, Kusnul Ciptanila Yuni
Diponegoro Journal of Islamic Economics and Business Vol 5, No 1 (2025): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.25211

Abstract

This study aims to analyze the influence of Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) on Return on Assets (ROA) in Indonesian Islamic banks during the 2020-2024 period. A quantitative approach was employed using multiple linear regression analysis with secondary data from financial reports of Islamic banks registered with the Financial Services Authority (OJK). The findings reveal that NPF has a significant negative effect on ROA, while FDR does not show a significant influence. These results highlight the necessity of improving financing quality to support Islamic banks' profitability. This study offers insights for Islamic bank management in credit risk management and third-party fund efficiency, while contributing to Islamic finance literature in the post-pandemic era.

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