cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Eko Didik Widianto
Contact Email
rumah.jurnal@live.undip.ac.id
Phone
+6224-76486851
Journal Mail Official
feb@live.undip.ac.id
Editorial Address
Program Studi Ekonomi Islam Fakultas Ekonomika dan Bisnis Universitas Diponegoro, Semarang, Jawa Tengah, Indonesia Jl. H. Prof. Soedarto, SH. – Tembalang Semarang 50275
Location
Kota semarang,
Jawa tengah
INDONESIA
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 60 Documents
 2   3   4   5   6 
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.
ANALISIS PENDAYAGUNAAN ZAKAT PRODUKTIF TERHADAP PENINGKATAN PENDAPATAN MUSTAHIK DI KABUPATEN SRAGEN Yulianingsih, Tri; Pujiyono, Arif
Diponegoro Journal of Islamic Economics and Business Vol 5, No 2 (2025): Desember
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.26662

Abstract

Poverty remains a major challenge in Sragen Regency, with a higher rate than the national average. Productive zakat offers a solution by serving not only as social aid but also as a tool for economic empowerment. When utilized effectively, it can enhance skills, create business opportunities, and promote financial independence among mustahik. This study analyzes the impact of productive zakat utilization, workforce training, and monitoring on mustahik income using a quantitative approach with multiple linear regression. Primary data was collected from 193 mustahik receiving productive zakat from BAZNAS Sragen in 2023. The results show that all three variables positively and significantly affect mustahik income. The t-test results for productive zakat (t = 2.953), training (t = 3.428), and monitoring (t = 4.322) exceed the t-table value (1.972) with Sig. < 0.05. The F-test confirms the model’s significance (F = 41.421, Sig. = 0.000), with R² = 39.7%, indicating strong explanatory power. In conclusion, optimizing zakat utilization, effective training, and monitoring are crucial for increasing mustahik income. Future research should apply Policy Evaluation Tool (PET) Analysis for better program assessment.   
INTEGRASI EFISIENSI, KEADILAN DAN KEBERKAHAN DALAM ALOKASI PENDAPATAN PERSPEKTIF MAQASID AL-SYARI’AH Hananiyah, Wardah Mujadidah; Mahyudin, Mahyudin; Afrianty, Nonie
Diponegoro Journal of Islamic Economics and Business Vol 5, No 2 (2025): Desember
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.30254

Abstract

Integration of efficiency, justice, and blessing in income allocation based on the perspective of Maqasid al-Syari'ah. In Islamic economics, income allocation is not solely oriented towards increasing material profits, but must also be based on just spiritual and social values. This study uses a qualitative approach with a descriptive-analytical research type. The descriptive-analytical approach is used to systematically describe the concepts of efficiency, justice, and blessing, and analyze their relationship with the main objectives of sharia (maqasid al-shari'ah). The results of the analysis show that Maqasid Al-Syari'ah, especially the preservation of religion (hifz al-din), life (hifz al-nafs), intellect (hifz al-'aql), descendants (hifz al-nasl), and property (hifz al-mal), provides ethical principles that bind the concepts of efficiency and justice. In this perspective, efficiency is not only measured by maximizing output or material profit, but also by its contribution to achieving comprehensive welfare (falah). Meanwhile, justice ('adl) is realized through allocation that ensures the fulfillment of basic needs for all parties and minimizes inequality. This integration is achieved through the concept of blessing, which serves as an indicator of the spiritual and material success of income allocation. Blessings emphasize the moral and social dimensions in the use of wealth, encouraging practices such as zakat, almsgiving, and social investment that are oriented towards long-term benefits (maslahah).
FAKTOR-FAKTOR YANG MEMPENGARUHI INDEKS SAHAM SYARIAH INDONESIA (ISSI) DALAM JANGKA PANJANG DAN JANGKA PENDEK TAHUN 2019-2023 Norlatifah, Norlatifah; Maulida, Sri
Diponegoro Journal of Islamic Economics and Business Vol 5, No 2 (2025): Desember
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.26826

Abstract

This study analyzes the factors influencing the Indonesia Sharia Stock Index (ISSI) in the long and short term during 2019–2023. The variables are grouped into internal factors (inflation, BI Rate, gold prices, and exchange rates) and external factors (The Fed interest rate, FTFBMHS, FTDQAS, and world oil prices). Using secondary data and the Vector Error Correction Model (VECM), the findings show that in the first model, inflation has a significant positive impact, while the BI Rate has a significant negative impact on ISSI in the long term. Exchange rates positively affect ISSI, while gold prices show no significant impact in either the long or short term. In the second model, FTFBMHS positively affects ISSI, whereas FTDQAS negatively influences ISSI in the long term. In the short term, The Fed interest rate and world oil prices exhibit a significant negative impact on ISSI.
PERSEPSI PELAKU USAHA MENENGAH KECIL DAN MIKRO TERHADAP ASURANSI SYARIAH Kusuma, Mahanara Puja
Diponegoro Journal of Islamic Economics and Business Vol 5, No 2 (2025): Desember
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.25563

Abstract

MSME Actors have an important role in economic development and growth. This research aims to analyze the perceptions of small entrepreneurs regarding sharia insurance among MSMEs in Argomulyo District, Salatiga. This type of research is descriptive with a quantitative approach. Data collection was carried out through a questionnaire with a Likert scale. The research was conducted in Argomulyo District with a sample of 30 MSMEs in Noborejo Village, Argomulyo Salatiga District, sampling was carried out using a purposive sampling technique. The research results concluded that MSME Actors have a positive perception of sharia insurance. 
ANALISIS PENGARUH DANA ZAKAT PRODUKTIF DALAM PEMBERDAYAAN DAN PERKEMBANGAN USAHA MIKRO MUSTAHIK (PENERIMA ZAKAT) DI KOTA SEMARANG budiawati, novia
Diponegoro Journal of Islamic Economics and Business Vol 5, No 2 (2025): Desember
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.16959

Abstract

In an effort to improve the standard of living and welfare of the people in a country, one of the efforts that must be made by the government is to increase economic growth. One of the efforts made by the government to achieve this goal is a community empowerment program through the provision of productive zakat funding assistance to Micro, Small and Medium Enterprises (MSMEs). This study aims to find out the effect of productive zakat funding assistance provided by BAZNAS Central Java on development micro business for mustahik zakat recipients. This research uses descriptive analysis method and Wilcoxon Signed Rank Different Test where the number of samples used is 50 respondents. This study aims to determine the effect of productive zakat on business capital, business income, business profits, and household expensesKeywords:  Productive Zakat; Zakat Fund Assiitance; Business Capital; Business Income; Business Benefits; Houshold Expenditures

Page 6 of 6 | Total Record : 60

 2   3   4   5   6 

Filter by Year

2021 2025


Reset
Filter By Issues
All Issue Vol 5, No 2 (2025): Desember Vol 5, No 1 (2025): Juni Vol 4, No 2 (2024): Desember Vol 4, No 1 (2024): Juni Vol 3, No 2 (2023): December Vol 3, No 1 (2023): Juni Vol 2, No 2 (2022): Desember Vol 2, No 1 (2022): Juni Vol 1, No 4 (2021): Desember Vol 1, No 3 (2021): September Vol 1, No 2 (2021): Juni Vol 1, No 1 (2021): Maret More Issue