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Nafiah
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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 243 Documents
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The Influence of Pegadaian’s Tring! App Adoption on E-Gold Investment Intention: Financial Planning as a Mediator and Innovativeness as a Moderator Hamdan Fathurrahman; Nofrianto Nofrianto; Dwi Nur'aini Ihsan
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i2.10566

Abstract

Digitalization in Islamic financial services has created new opportunities for gold investment through technology-based platforms, including Tring! by Pegadaian. This study examines the influence of Perceived Usefulness and Perceived Ease of Use on Tring! adoption intention and its subsequent effect on E-Gold investment intention, with Sharia Financial Planning as a mediating variable and Dispositional Innovativeness as a moderating variable. The study responds to the gap between Indonesia’s relatively higher Islamic financial literacy and its substantially lower financial inclusion, while addressing the limited empirical evidence on Sharia-compliant digital gold investment platforms. A quantitative approach was employed using survey data from customers of PT Pegadaian Syariah CPS Kebonjati Sukabumi and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results show that Perceived Usefulness (β = 0.195; p = 0.002) and Perceived Ease of Use (β = 0.636; p = 0.000) positively and significantly influence adoption intention, with ease of use being the stronger predictor. Adoption intention significantly influences E-Gold investment intention (β = 0.422; p = 0.000), and Sharia Financial Planning significantly mediates this relationship (β = 0.161; p = 0.000). Conversely, Dispositional Innovativeness does not significantly moderate the relationship between adoption intention and E-Gold investment intention (β = 0.002; p = 0.454). These findings indicate that digital gold investment adoption is strengthened primarily by application usability, perceived benefits, and sound Sharia financial planning rather than individual innovativeness. The study highlights the importance of integrating ease of use, practical financial planning, and Sharia-oriented educational features to strengthen the transition from digital platform adoption to investment intention.
Cross-Border Migration and Its Geodynamic Impacts on Demographic-Economic Vulnerability and Social Resilience in Border Communities of Nunukan Regency Ahmad Ahmad; Nunung Munawaroh; Imelda Hutasoit; Senda Ardiansyah; Muhammad Mustofainal Akhyar
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i2.10575

Abstract

The Indonesia–Malaysia border region is a dynamic space where cross-border migration creates economic opportunities while increasing the demographic-economic vulnerability of local communities. This study examines the interrelationships among migration geodynamics, demographic-economic vulnerability, and social resilience in Nunukan Regency, North Kalimantan Province, and formulates directions for integrated border development policies. The study covered mainland Nunukan, Sebatik Island, the former Simantipal Outstanding Boundary Problem (OBP) area, and the Sinapad Sesai segment. A qualitative approach supported by descriptive-quantitative secondary data was employed within a Grounded Policy Research framework. Data were collected through field observations, document analysis, and in-depth interviews with 17 purposively selected key informants: seven migrant workers, three migrant families, two community leaders, and five government officials. Data were analyzed using the Spradley Ethnographic Analysis Model. The findings show that high population mobility and strong economic linkages with Sabah, Malaysia, have increased dependence on informal economic activities, cross-border markets, and employment opportunities in Malaysia, contributing to structural demographic-economic vulnerability. Nevertheless, communities demonstrate social resilience through livelihood diversification, strengthened social capital, and adaptive population administration. The study concludes that integrated border development should prioritize local economic strengthening, downstream seaweed processing, and the strengthening of the Tol Laut (Sea Toll) logistics system, supported by improved population administration and cross-border governance. These interventions can reduce economic dependence on Malaysia, strengthen local economic self-reliance and social resilience, and position Nunukan as an economic shield that supports community welfare and national sovereignty
Identification of Green Budgeting in Regional Budget (APBD): A Case Study of the Environmental Agency of Gresik Regency Mohammad Aviciena Taufiqurrahman; Permata Kardina Putra; Chirmala Wisnu Permata Affardi; Anastasya Bunga Lu'luun Nafisah; Nadiya Rosalita
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i2.10647

Abstract

Green budgeting integrates environmental objectives into the planning, allocation, and implementation of government budgets, yet evidence on how it can be identified in Indonesian regional budgets remains limited. This study identifies green budgeting in the 2025 Regional Budget (APBD) of Gresik Regency, using the Environmental Agency (Dinas Lingkungan Hidup/DLH) as a pilot case. It serves as an initial mapping of green budgeting at the regional level rather than an assessment of the entire APBD. A descriptive qualitative case study was applied, combining document review (Renja, RKA, DPA, LKIP, and LKPJ) with semi-structured interviews with DLH officials. The eight DLH programs were classified using Climate Budget Tagging (CBT). Five programs, representing 69.96% of the DLH budget, were tagged green, while three programs (30.04%) were classified as gray because they are administrative, institutional, or only indirectly related to climate objectives. The green share is highly concentrated: the Waste Management Program alone accounts for 56.17% of the total DLH budget, so the high green proportion mainly reflects the agency’s waste-handling mandate rather than a broad distribution across programs. Hazardous waste control, permit supervision, and pollution control received comparatively small allocations, and central government budget refocusing was identified as a constraint. Because tagging was based on program outcomes rather than on verification of expenditure substance, the findings are preliminary. The study recommends formalizing a tagging mechanism in APBD planning and extending CBT to other regional government organizations, with verification of expenditure substance.

Page 25 of 25 | Total Record : 243

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