cover
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,
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.
Articles 66 Documents
mesi@iaincurup.ac.id Achmad Nur Alfianto
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.31819

Abstract

mesi@iaincurup.ac.id
ROBOTICS IN ISLAMIC BANKING: BIBLIOMETRIC ANALYSIS AND FUTURE RESEARCH AGENDA Rofiul Wahyudi; Julia Noermawati Eka Satyarini; Fitria Nurma Sari
Diponegoro Journal of Islamic Economics and Business Vol 6, No 1 (2026): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.29627

Abstract

This study aims to map and analyze scientific developments related to robotics and artificial intelligence (AI) within the Islamic banking ecosystem using a bibliometric approach and network visualization. The analysis was conducted using Bibliometrix (RStudio) for performance analysis and VOSviewer for science mapping, encompassing networks of authors, institutions, countries, keywords (both author keywords and index keywords), and citation networks. A total of 626 Scopus-indexed articles discussing robotics and AI in the context of Islamic banking were analyzed. And the results identified three main clusters: (i) the Islamic fintech and digital transformation cluster (including fintech, blockchain, and AI), (ii) the digital/mobile banking cluster focusing on aspects of trust, cybersecurity, and customer satisfaction, and (iii) the TAM/UTAUT model-based technology adoption cluster highlighting factors such as risk perception and behavioral intention. In terms of collaboration, authors such as Rabbani and Hassan, institutions such as the Islamic Business School (UUM), and countries such as India, Malaysia, and Indonesia occupy central positions. Conceptually, connecting keywords such as fintech, mobile banking, technology adoption, artificial intelligence, and Sharia compliance form bridges between the main topics. The novelty of this research lies in the first comprehensive mapping that explicitly links robotics with the Islamic banking ecosystem, while identifying opportunities for further research in the fields of Sharia based automation, halal virtual assistants, and real time Sharia compliance monitoring. 
PERBANDINGAN DINAMIKA KELEMBAGAAN EKONOMI ISLAM PADA NEGARA BAHRAIN DAN CHINA TERHADAP INKLUSI KEUANGAN SYARIAH Anisa Ramadhani; Naufal Luthfi Alifa
Diponegoro Journal of Islamic Economics and Business Vol 6, No 1 (2026): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.30161

Abstract

Islamic finance and banking conditions have experienced growth and are one of the most widely practiced aspects of Muslims seen in Muslim-majority countries  such as Bahrain, and have spread to many non-Muslim countries like China that has a small Muslim population, but offers great potential and opportunities to study Islamic financial marketing. The research was conducted by focusing on three main aspects, namely: describing the dynamics of Islamic economic institutions in Bahrain and China, explaining the challenges and strategies for strengthening Islamic economic institutions in facing global challenges in Bahrain and China, and analyzing reflective comparisons of Islamic economic institutions in Bahrain and China. This research uses a qualitative approach by reviewing various national and international journals in the 2016-2025 period. The results of the study show that: (1) Bahrain's success and China's progress show that strengthening Islamic economic institutions through regulations, institutional capacity, and technology can be strategic for expanding Islamic financial inclusion in a sustainable manner; (2) Bahrain's successes and challenges, as well as China's obstacles, demonstrate that the effectiveness of Islamic financial inclusion depends on clear regulations, human resource readiness, digital innovation, and adaptive institutional capacity; (3) Reflecting on Bahrain and China, it is shown that regulatory consistency, institutional capacity, prepared human resources, digital integration, and state involvement are crucial for Islamic financial inclusion, so that Indonesia can strengthen governance, standard harmonization, and regional strategic position.
THE IMPACT OF GOLD PRICES PERCEPTION, KNOWLEDGE, PROMOTION, AND DIGITAL ACCESSIBILITY ON GENERATION Z INTEREST IN PEGADAIAN SYARIAH DIGITAL GOLD SAVINGS IN SEMARANG CITY Rizky Ramadhani Syakur
Diponegoro Journal of Islamic Economics and Business Vol 6, No 1 (2026): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.28963

Abstract

Advances in technology have given rise to innovations in digital finance, including digital gold savings. Although Generation Z is active in using technology, their participation in Pegadaian Syariah Digital Gold Savings remains low, with only 10% of customers under the age of 25 (CIF PT Pegadaian). This study aims to analyze the influence of gold prices, knowledge, promotion, and digital access convenience on Generation Z’s interest in this product. The research employed a quantitative method using primary data collected through questionnaires. The study population consisted of Generation Z in Semarang City who have an interest in digital gold savings products through the Pegadaian Syariah Digital platform, with a total of 100 respondents. Data analysis was conducted using SPSS 25 with multiple linear regression analysis. The results show that gold prices perception, knowledge, and digital access convenience have a positive and significant effect on Generation Z’s interest, whereas promotion has no significant effect. Simultaneously, all four variables were found to significantly influence Generation Z’s interest in Pegadaian Syariah Digital Gold Savings. These findings imply the importance of developing more targeted marketing strategies, enhancing financial literacy, and optimizing digital services in the Islamic finance sector. Furthermore, the results also contribute as a reference for future studies examining the investment behavior of young generations.Keywords: Gold Price Perceptions, Financial Knowledge, Promotion, Digital Accessibility, Pegadaian Syariah Digital
STUDI PREFERENSI MASYARAKAT TERHADAP BANK EMOK (Studi Kasus Nasabah yang bergantung pada Bank Emok di Taulandu, Desa Caringin, Kecamatan Labuan, Kabupaten Pandeglang Banten Vikriyaki Hikmat Maulana
Diponegoro Journal of Islamic Economics and Business Vol 6, No 1 (2026): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.28266

Abstract

Ketergantungan masyarakat kepada Bank Emok terpicu pada kemudahan dalam bertransaksi dan persyaratan yang sangat mudah dan cepat. Begitu juga dengan preferensi terhadap Bank Emok yaitu nasabah tidak harus langsung ke bank untuk melakukan transaksi peminjaman, masyarakat hanya perlu berdiam diri dirumah dan pihak bank yang akan datang ke tempat masyarakat. Penelitian ini bertujuan untuk menelaah faktor yang menjadikan masyarakat bergantung pada Bank Emok, mengidentifikasi mekanisme Bank Emok dan menganalisa preferensi masyarakat terhadap Bank Emok di Kampung Taulandu.Pendekatan penelitian kualitatif deskriptif yang digunakan dalam penelitian ini adalah pengumpulan data yang bersifat deskriptif dan naratif. Tujuan metode ini adalah untuk memberikan gambaran menyeluruh tentang pilihan warga Kampung Taulandu terhadap Bank Emok. Wawancara mendalam, penelitian observasional, dan analisis dokumen terhadap nasabah Bank Emok digunakan untuk mengumpulkan data penelitian ini.Hasil penelitian menunjukkan bahwa preferensi masyarakat terhadap Bank Emok dipengaruhi oleh beberapa faktor, seperti kemudahan akses, persyaratan yang ringan, kecepatan pencairan dana, dan kedekatan emosional antar anggota kelompok. Namun demikian, terdapat pula dampak negatif yang dirasakan nasabah, seperti tekanan dalam pembayaran cicilan, bunga tinggi, dan potensi konflik sosial. Penelitian ini menyimpulkan bahwa meskipun Bank Emok memberikan solusi cepat terhadap kebutuhan finansial masyarakat, namun keberadaannya perlu mendapat perhatian lebih dari pihak terkait agar tidak menimbulkan ketergantungan ekonomi dan permasalahan sosial yang berkepanjangan.Kata kunci: Bank Emok, Preferensi Masyarakat, Konflik Sosial, Ketergantungan Ekonomi
PREFERENSI MUZAKKI TERHADAP ZAKAT ONLINE DI ERA DIGITAL: ANALISIS PENGARUH FAKTOR SOSIAL, BUDAYA, DAN PRIBADI DI INDONESIA Yaniar Dwi Fitriani
Diponegoro Journal of Islamic Economics and Business Vol 6, No 1 (2026): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.28174

Abstract

The high poverty line in Indonesia and the majority of the Muslim community make zakat one of the potentials to reduce poverty. Zakat is a social activity to help ease the government in reducing poverty but not to eradicate poverty. Technological advances can be used to pay zakat on the grounds of helping efficiency for paying zakat online to maximize the potential of zakat in this new era with technology. Even so, the community still does not fully trust organizations or zakat collection platforms in paying zakat online. So this study examines the preferences of the community in paying zakat, whether muzakki prefers to pay zakat online or prefers the traditional method directly given to mustahik. The analysis method of this study uses a quantitative approach and descriptive analysis with binary logistic regression analysis testing. The main purpose of writing this study is to analyze and examine the influence of social factors, cultural factors, and personal factors that influence muzakki's preferences in paying zakat online. The sample with the special characteristics of a Muslim, over 17 years old, having used an online zakat platform, and residing in Indonesia as many as 70 respondents. The results of this study are the prediction of muzakki's preference for choosing to pay zakat online by 75.7% out of 100%. The preference of muzakki to pay zakat online in Indonesia is influenced by social factors, which have a positive and significant effect, meaning that every muzakki who pays zakat online increases the desire or preference of muzakki in paying zakat online by 28.5 times. The preference of muzakki to pay zakat online in Indonesia is not influenced by cultural factors because the results are not significant even though the direction is positive. The preference of muzakki to pay zakat online in Indonesia is influenced by personal factors, which have a negative and significant effect, meaning that every muzakki who pays zakat online decreases the desire or preference of muzakki in paying zakat online by 0.273 times.