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INDONESIA
Indonesian Journal of Islamic Economics and Finance
Published by Institut Agama Islam Sunan Giri Ponorogo
ISSN : -     EISSN : 28081102     DOI : https://doi.org/10.37680/ijief
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Indonesian Journal of Islamic Economics and Finance E-ISSN (28081102) is a journal wich is biannually issued and publishes new editions in June and December. The journal publisher is Institut Agama Islam Sunan Giri (INSURI) Ponorogo and managed by Departement of Islamic Economics INSURI. The publication of this journal is tightly-peer with a double bind reviewed process using Open Journal System (OJS) for the magazine. The journal can be accessed openly on the website.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 53 Documents
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Search results for , issue "vol. 6 no. 1 (2026)" : 53 Documents clear
Opportunities and Challenges of the Shariah Film Industry in the Global Market Nurintan Siregar; Saifuddin Yuliar; Adam Malik Indra; Herlinda Herlinda
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9408

Abstract

The sharia film industry is part from economy creative based values that have potential big for growing in the global market along with increasing request to content entertainment that prioritizes ethics, humanit, and spirituality. Research aim for analyze opportunities and challenges sharia film industry in global market dynamics and the implications to development economy global creative research this use approach qualitative descriptive with method studies bibliography. Data obtained from book scientific, articles journals and publications related film industry, economy creative, as well as film- based sharia values, which are analyzed use technique analysis content. Research results show that the sharia film industry has significant opportunity through digital platform support, growth the world's Muslim population, and the increasing interest towards value-based content. However thus, the industry This Still face challenge structural and cultural, such as limitations capital, sources Power humans, regulations, and global market perception tends to view sharia films as exclusive products. Research This conclude that development The sharia film industry requires an adaptive strategy that integrates sharia values with universal narrative, reinforcement ecosystem industry, as well as support sustainable policies to be able to empowered compete and contribute optimally in economy global creative. The Implications of this study suggest that policy makers must develop standardized Halal governance for the creative sector, while producers must move toward Values-based Storytelling to reach broader, non-Muslim audiences seeking ethical alternatives. Ultimately, this research provides a comprehensive roadmap for the Shariah film industry to evolve into a competitive, ethically-driven force within the global creative economy.
Transformational Leadership and Individual Performance in Military Personnel: The Mediating Role of Organizational Trust and Public Service Motivation Dedyk Wahyu Widodo; Suryanto Suryanto
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9462

Abstract

This research is driven by the difficulty of boosting the individual performance of military people, especially Babinsa in territorial units, with more complicated tasks.  The purpose of this study is to analyse the effect of transformational leadership on individual performance both directly and indirectly through organizational trust and public service motivation as the mediating variables. This study adopts a quantitative technique with a population of 175 Babinsa staff in Kodim 0816/Sidoarjo. The data analysis was accomplished by the PLS-SEM technique using SmartPLS 4 software. The findings of this study show that transformational leadership has a positive and significant effect on individual performance, organizational trust, and public service motivation; organizational trust and public service motivation influence individual performance; furthermore, organizational trust and public service motivation are proven to have a positive and significant mediating effect on the relationship between transformational leadership and individual performance. Theoretically, this study has implications for the development of Social Exchange Theory and the mediating effects of organizational trust and public service motivation in military organizations. Practically, this study provides new insights for leaders in building trust and public service motivation to maximize personnel performance.
The Influence of Environmental, Social, And Governance (ESG) On Asset Quality in the Banking Industry Aulia Busono; Titik Mildawati; Kurnia Kurnia
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9418

Abstract

This study examines the impact of Environmental, Social, and Governance (ESG) adoption on asset quality in Indonesian banks between 2019 and 2022. The Non-Performing Loan (NPL) ratio measures asset quality, while control variables include bank size, operating efficiency (BOPO), liquidity (LDR), capital structure (equity to total assets), economic growth (ΔGDP), and inflation.  Conventional banks that are listed on the Indonesia Stock Exchange and regularly release sustainability and annual reports make up the sample. Panel data regression analysis results show that ESG considerably reduces non-performing loans (NPLs), indicating that stronger ESG regulations improve asset quality and reduce credit risk. Equity to Total Assets and BOPO also significantly influence asset quality, while other variables show no significant effects. These findings support Stakeholder Theory and Risk Management Theory by demonstrating that ESG functions as a governance and risk management mechanism that enhances banking stability. This research broadens our understanding of sustainable finance and offers useful advice for bank management and regulators looking to improve ESG implementation.
Determinants of Purchase Decisions for Imported Packaged Food among Muslim Consumers in Kudus Regency Maula Dwi Nastrilia; Agung Slamet Sukardi
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9427

Abstract

This research explores the upward trend in the consumption of imported packaged foods, many of which lack halal certification, alongside the higher costs associated with these imports compared to local alternatives. This situation complicates the ability of Muslim consumers in Kudus Regency to ascertain halal status and make purchases that align with their financial capabilities. This study is conducted to analyze the impact of the impact of religiosity, halal awareness, and income on the purchase decisions of imported packaged food products among Muslim consumers in Kudus Regency, both individually and collectively. The employed methodology is an explanatory quantitative technique, in which data from 100 respondents selected through purposive sampling were then analyzed using SPSS. The study demonstrates that all independent variables contribute positively and significantly to purchase decisions, both on their own and in combination, accounting for 69.9% of the dependent variable, with the remaining portion explained by factors beyond the scope of this research. This study indicates that religiosity, halal awareness, and income are significant determinants in the purchase decisions of Muslim customers for imported packaged food in Kudus Regency. Therefore, all three should be incorporated into marketing plans and halal product regulation policies.
Star Hotel Occupancy Fluctuations in Makassar: Evidence from BPS Data and Implications for Islamic Tourism Marketing Fajar Rakasiwi Syamsuddin
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9441

Abstract

Occupancy rates of star hotels in Makassar fluctuate substantially; however, empirical patterns remain poorly documented due to the absence of systematic analysis of official data. This research gap necessitates a structured empirical investigation. This study empirically examined monthly occupancy fluctuations from March 2024 to June 2025 using secondary data from BPS (Central Bureau of Statistics). A qualitative document analysis was employed, involving month-to-month change calculations, peak and trough identification, and recovery pattern assessments. The findings revealed occupancy ranging from a peak of 59.32 percent in August 2024 to a trough of 32.30 percent in March 2025, representing a range of 27.02 percentage points. The market demonstrated rapid recovery, regaining over 70 percent of lost occupancy within one month. Notably, three months were missing from the data series. From an Islamic business ethics perspective, the sharp Ramadan trough requires fair treatment of workers and the avoidance of exploitative price hikes during peak periods such as August. Marketing strategies must uphold amanah (trustworthiness) by transparently reporting data gaps and maslahah (public interest) by ensuring promotional campaigns benefit local communities, not just hotel profits. The novelty of this study lies in integrating empirical occupancy fluctuation analysis with Islamic business ethics principles specifically justice, trustworthiness, and public interest into tourism marketing strategy, an approach absent in previous research. The study concludes that strengthening evidence-based marketing requires understanding peak, trough, and recovery patterns while improving data completeness and embedding Islamic ethical principles into every strategic decision.
Digital Payments, Ecosystem Age, and Islamic Ethics in Cross-Provincial E-Commerce Revenue Fajar Rakasiwi Syamsuddin
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9442

Abstract

E-commerce revenue maturity varies across Indonesian provinces, but the factors driving this variation are poorly understood in isolation. This study examined the relationship between three digital ecosystem factors ecosystem age, digital payment intensity, and sales channel profiles and e-commerce revenue maturity using a cross-sectional design with secondary data from BPS Statistik E-Commerce 2023. Canonical correlation analysis revealed that the first canonical function was significant (Rc = 0.78, p < 0.001), indicating that the three factors collectively explained a substantial proportion of variance in revenue maturity. Social commerce channel configuration contributed most strongly, followed by digital payment intensity, while ecosystem age played a supporting role. From an Islamic ethics perspective, these results require that social commerce growth and digital payment expansion uphold 'adl (justice) by ensuring equitable access for underserved provinces such as Aceh and Central Kalimantan, amanah (trustworthiness) through transparent data and honest marketing, and maslahah (public interest) by prioritizing community welfare over platform profits. The study concludes that strengthening social commerce and digital payment infrastructure is essential for e-commerce revenue maturity, and that these factors operate as an integrated system grounded in Islamic commercial ethics.
Creative Inclusive Empowerment Model for Persons with Disabilities in Rural Areas: Integrating Institutional Support, Skill Development, and Market Access Tiara Widya Antikasari; Eny Supriati; Alwan Wibawanto
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9456

Abstract

This study addresses the gap in the literature on disability empowerment by proposing a creative economy-based empowerment model that integrates institutional support, skill development, and multi-stakeholder collaboration in rural contexts. Using a qualitative approach, data were collected through in-depth interviews, observations, Focus Group Discussions (FGDs), and documentation. The findings reveal a three-tier empowerment structure (daily, monthly, and annual income programs) supported by LKS Rumah Harapan Mulya as the central institutional platform. This study proposes a Creative Inclusive Empowerment Model consisting of four components: institutional support, adaptive skill development, creative production, and market integration. Theoretically, this study extends empowerment theory by demonstrating that institutionally-driven, multi-stakeholder models yield more sustainable outcomes than individually-focused approaches. Practically, the model offers a scalable framework for inclusive rural development that can be adapted by local governments and community organizations. This research employs a qualitative field research approach. Data were collected through in-depth interviews, observations, Focus Group Discussions (FGD), and documentation. A purposive sampling technique was applied to select 15–20 key informants, including persons with disabilities, village officials, and relevant stakeholders. Data validity was ensured through source triangulation, method triangulation, and theory triangulation. The findings show that economic empowerment for persons with disabilities is structured through three main programs organized by LKS Rumah Harapan Mulya: daily income through handicraft production (doormats, splash batik, and prayer beads), monthly income through livestock and agricultural activities, and annual income through goat farming. These activities are supported by adaptive skill training, institutional mentoring, and multi-channel marketing strategies. This study contributes a Creative Inclusive Empowerment Model that highlights the critical role of institutional frameworks and stakeholder collaboration in achieving sustainable economic inclusion for persons with disabilities in rural areas.
Enhancing Nazhir Professionalism through Capacity Building Programs: Evidence from Badan Waqaf Indonesia Medan Muhammad Fikri Almajid Munthe; Yenni Samri Juliati Nasution; Lailan Syafina
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9470

Abstract

Waqf has great potential as an instrument of Islamic philanthropy, but its management in Indonesia is still suboptimal. In 2022, the National Waqf Index reached only 0.274, and approximately 10% of waqf assets were managed effectively. This study aims to analyze the influence of Good Waqf Governance and Nazir professionalism on optimizing waqf asset management at the Indonesian Waqf Board (BWI) in North Sumatra. An associative quantitative approach was used, involving 77 Nazirs purposively selected from 335 registered Nazirs. Data were analyzed using multiple linear regression in IBM SPSS 25 after testing for validity, reliability, and classical assumptions. The results indicate that Good Waqf Governance has a positive and significant partial effect on optimizing waqf assets (β = 0.446; sig. = 0.000), as does Nazir professionalism (β = 0.227; sig. = 0.005). Simultaneously, both variables had a significant effect (F = 28.303; sig. = 0.000) with an Adjusted R² of 0.418, meaning that 41.8% of the variation in waqf asset optimization was explained by this model. This finding emphasizes the importance of strengthening the governance system and developing Nazir capacity on an ongoing basis to increase waqf productivity.
Integrating Psychosocial and Structural Resources: The Role of Work-Life Balance and Technology Readiness in Employee Engagement Dewana Ananda Agsa; Ade Solahudin
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9477

Abstract

This study aims to analyze the role of work-life balance and technology readiness in improving employee engagement among PNM employees in the Cirebon region. The study employed a quantitative explanatory approach with a survey method involving 100 respondents selected through purposive sampling, specifically employees actively involved in technology-based work. Data were collected using a Likert-scale questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM), including evaluation of the measurement model and the structural model. The results showed that work-life balance had a positive and significant effect on employee engagement (β = 0.419; p < 0.05), while technology readiness had a more dominant influence (β = 0.470; p < 0.05). The R² value of 0.741 indicates that both variables explain 74.1% of the variation in employee engagement. Effect size (f²) analysis demonstrated a strong contribution from both variables. The novelty of this research lies in the integration of work-life balance as a psychosocial resource and technology readiness as a structural resource within the Job Demands-Resources (JD-R) framework. Theoretically, this research enriches human resource management studies, while practically it provides implications for microfinance institutions to strengthen work-life balance policies and digital competencies to increase employee engagement.
The Influence of Understanding, Religiosity, and Culture on the Frugal Living Behavior of Generation Z in North Sumatra Miranda Panjaitan; Marliyah Marliyah; Juliana Nasution
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9496

Abstract

This study examines the influence of understanding, religiosity, and culture on frugal living behavior among Generation Z in North Sumatra. The study addresses the increasing relevance of frugal living amid rising living costs, digital consumerism, and economic uncertainty. The novelty of this research lies in the integration of cognitive, religious, and socio-cultural dimensions to explain frugal living behavior within the context of Generation Z in North Sumatra. A quantitative approach with a causal associative design was employed. Data were collected from 100 respondents using purposive sampling and analyzed through multiple linear regression. The findings indicate that understanding, religiosity, and culture positively and significantly affect frugal living behavior, both partially and simultaneously. Culture was identified as the most dominant factor influencing frugal living practices. The model explains 65.5% of the variation in frugal living behavior. These findings imply that promoting sustainable financial behavior among Generation Z requires not only improving financial understanding but also strengthening religious values and cultural norms that encourage simplicity, self-control, and responsible consumption. This study contributes to the literature on behavioral economics and Islamic economics related to sustainable consumption behavior among young generations.

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