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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 118 Documents
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The Influence of Innovation, Network, and Technology on Customer Switching to Bank Syariah Indonesia Hadratullah, Hadratullah; Hidayati, Rina
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.5793

Abstract

This study analyzes the influence of product innovation, service quality, and office network on switching customer behavior from conventional banks to Bank Syariah Indonesia (BSI) in Selong District. This study uses a survey method with a quantitative approach, involving 100 BSI customer respondents who were taken by purposive sampling. Data were collected through questionnaires and analyzed using simple linear regression. The study results show that product innovation significantly influences customer switching behavior, with a contribution of 40.9%, followed by information technology by 18.6%. At the same time, the office network is not significant. These findings support the Planned Behavior theory and the Diffusion of Innovation theory, which states that innovations relevant to market needs can increase the adoption of sharia services. It is recommended that BSI strengthen its digital services and unique sharia features to attract more customers, increase competitiveness, and expand market share in the Islamic banking industry in Indonesia.
Comparative Analysis of Operational and Liquidity Risks of Islamic Banks in the ASEAN Region Using Basel III Wahyudi, Bintang Tri; Zuliansyah, A.; Musthofa, Ujang Hanief
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6674

Abstract

This research aims to analyze the differences in operational and liquidity risks of Islamic banks in the ASEAN region based on the Basel III framework. The study employs a quantitative methodology, utilizing the Kruskal-Wallis analysis and Mann-Whitney U test, drawing on financial reports from Islamic banks from 2021 to 2023. Key indicators examined include the Operational Risk Capital Charge (ORCC), Net Stable Funding Ratio (NSFR), and Liquidity Coverage Ratio (LCR). The findings reveal significant differences in the management of operational risk (ORCC) and long-term funding stability (NSFR), while no significant differences were observed in short-term liquidity (LCR). It was noted that predominantly Muslim countries are better equipped to handle operational risks, whereas banks in smaller markets face liquidity challenges. However, the study is limited to Islamic banks in five ASEAN countries and does not consider external variables such as macroeconomic conditions. Overall, these findings contribute to the existing literature on risk management in Islamic banks within the ASEAN region and offer valuable insights for regulators to develop policies tailored to local characteristics.
Analysis of Employee Safety Behavior at PT BTUB to Achieve Zero Workplace Accidents Murtasiyah, Murtasiyah; Sanafi, Muslimin
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6712

Abstract

This study explores employee safety behavior at PT BTUB in support of achieving a sustainable zero workplace accident target. Despite successfully reaching this goal in 2022, challenges remain due to persistent unsafe behaviors among employees. Using the Safe Behavior Observation (PPS) tool, the research identifies key areas of unsafe practices, including improper positioning, misuse of tools and equipment, and risky activities during high-hazard tasks. These behaviors were systematically analyzed through a descriptive quantitative approach, integrating observational data and company safety reports. The findings highlight the positive impact of a safety culture fostered through leadership, employee participation, and targeted training programs. However, the study emphasizes the need for continuous improvements in safety practices by enhancing training quality, leveraging technology for real-time safety monitoring, and fostering stronger leadership engagement. By addressing these factors, PT BTUB can further strengthen its safety management system and provide valuable insights for other organizations in high-risk industries. This research underscores the importance of behavioral interventions in creating safer work environments and achieving sustainable safety outcomes.
Performance Allowance, Organizational Culture, Work Pressure, and Leadership Towards Fraudulent Behavior Daryanto, Daryanto; Pawenang, Supawi; Sarsono, Sarsono
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6558

Abstract

This study aims to determine the effect of performance allowances, organizational culture, work pressure, and leadership on fraud. This research was carried out by the KPP Madya Surakarta organization. Over the course of seven months, beginning in January 2024 and ending in July 2024, the study was conducted there. The reason why the researcher determined that the best time to do the investigation was between January and July of 2024. All of the personnel of KPP Madya Surakarta, which amounted to 116 individuals, were included in this study's data collection. The method of sampling that was utilized in this investigation was known as purposive sampling. 58 employees from KPP Madya Surakarta were used as samples for this study. These personnel included all Account Representatives and examiners. When examining the impact of many independent variables on a dependent variable, multiple linear regression analysis was utilized as the method of study. Specifically, to ascertain the degree to which performance allowances, corporate culture, job pressure, and leadership are all closely related to the phenomenon of fraud. Despite the fact that leadership does not have a substantial impact on fraud, the findings of this study indicate that performance allowances, organizational culture, and work pressure all have a favorable and significant impact on the phenomenon of fraud.
Impact and Acceptance of Digitalization in the Indonesian Workplace HR, Lis Andriani; Kesumah, Fajrin Satria Dwi; Huzaimah, RA Fiska
Indonesian Journal of Islamic Economics and Finance Vol 5 No 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i1.6697

Abstract

Digitalization has changed organizational dynamics and greatly improved operational efficiency in the workplace. Digitalization brings difficulties even with its benefits, especially with employee technological acceptability. This paper aims to investigate how digitalization affects employee productivity and workplace efficiency and to find elements influencing workers' technology adoption. A survey was conducted among 169 employees across various organizations in Indonesia, analyzing their perceptions of the usefulness, ease of use, and management support for digital technologies. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The study indicated that perceived usefulness is much influenced by perceived ease of use, which highly predicts technological uptake. While simplicity of use alone does not greatly affect acceptance without the acknowledged utility, management support is vital in helping the acceptance of technology. For digitalization to be effective, companies have to make sure staff members view these technologies as helpful in addition to using simple, user-friendly solutions. Technology adoption depends on a favorable environment, greatly fostered by management support.
The Impact of Islamic Corporate Governance, Corporate Social Responsibility, and Sustainability Reporting on Financial Performance: A Quantitative Analysis of Islamic Banks in Asia (2017–2023) Ridwansyah, Ridwansyah; Mujahid, Ahmad
Indonesian Journal of Islamic Economics and Finance Vol 5 No 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i1.6883

Abstract

Where the intent of This inquiry is to analyze the repercussion of the independent elementon the dependent elementon Islamic banks in Asia Inquiry year 2017-2023.This inquiry is a quantitative inquiry. This inquiry utilizes secondary data sourced from the official websites of each company, including the Annual Report, Financial Report, and Sustainability Report. The target group in This inquiry are Islamic banks in Asia. The sample of This inquiry consisted of 10 Islamic banks in the period 2017 to 2023. Up to 70 samples. The sampling method in this inquiry employs purposive sampling. The data examination technique utilized is multiple linear regression examination, conducted using the SPSS 25 software. The Discoveries of this inquiry exhibited that Islamic Corporate Governance variables have both partial and simultaneous repercussions on Financial performance. However, Islamic Corporate Social Responsibility and Sustainability Reporting do not have a partial repercussion on Financial performance. Meanwhile, when considered together, all independent variables collectively sway the dependent variable. Financial performance strives to enhance the resilience and competitiveness of Financial Services Institutions and has the principle of risk management, capacity building in the implementation of sustainable finance so that it can grow and develop sustainably.
Enhancing Financial Inclusion and Financial Literacy for Small and Medium Enterprises (SMEs) in Zambia: Challenges, Opportunities and Strategies for Growth Paliwal, Kuldip
Indonesian Journal of Islamic Economics and Finance Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i1.6908

Abstract

The study aims to assess the range of FI among SME managers. Financial Inclusion (FI) ensures that every individual, especially the marginalized, has adequate access to financial services. The main objective of this study is to analyze the extent of SME managers’ access to financial schemes and policies in Zambia, Africa. The study describes the budget provided by the Zambian government for SMEs, which will help in examining the level of financial literacy (FL) of SME managers regarding budgeting. Despite their potential, SMEs face many challenges, including limited access to finance, inadequate financial literacy among entrepreneurs, and a fragmented regulatory environment and identifies opportunities to improve financial inclusion through targeted strategies. The study emphasizes the need to enhance financial literacy programs tailored to the needs of SME owners to empower them. The study also highlights the importance of collaborative efforts between government agencies, financial institutions, and development partners to create an enabling ecosystem. The study proposes actionable strategies that Zambia can implement to improve access to finance and enhance financial literacy. The study findings show that most entrepreneurs agree that financial accessibility is important for SME development and implement inclusive policies to expand the reach of financial services.
Analysis Self Efficacy in Improving Work-Life Balance on Employee Performance Terms Sharia Management Perspective Hardianty, Virnadilla; Hayati, Mardhiyah; Verawati, Heni
Indonesian Journal of Islamic Economics and Finance Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i1.6963

Abstract

This study aims to investigate the relationship between Self-Efficacy and Work-Life Balance from the perspective of Islamic management, focusing on employees of the Public Works Department in Bandar Lampung. Employing a qualitative approach, the research involved four employees and utilized techniques such as data collection, reduction, presentation, and conclusion drawing, with data validity ensured through triangulation. The findings reveal that Self-Efficacy acts as a link between Work-Life Balance and employee performance, emphasizing the importance of Islamic management principles that advocate for a balance between personal life and work, as well as between worldly affairs and the hereafter. However, this study has limitations as it was conducted in a single organization with a small sample size, which means that claims regarding the generalizability of the results should be considered with caution. Therefore, the findings of this research are confined to the context of the organization studied. The study also offers practical recommendations for government offices to promote Self-Efficacy and Work-Life Balance, in line with Islamic values that emphasize balance and self-confidence. Overall, this research presents an original approach to understanding employee performance by integrating Self-Efficacy and Work-Life Balance within the framework of Islamic management, highlighting the importance of employees in balancing work responsibilities with personal and family needs.
The Effect of Financial Distress, Capital Intensity, Political Cost, And Company Size Against Accounting Conservatism Prayoga, Anggie; Eliza, Any; Kurniawan, Agus
Indonesian Journal of Islamic Economics and Finance Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i1.7002

Abstract

This research aims to analyze the influence of Financial Distress, Capital Intensity, Political Cost, and Company Size on Accounting Conservatism in manufacturing companies listed on the Jakarta Islamic Index from 2019 to 2023. A quantitative approach was employed using secondary data sourced from the financial statements of manufacturing companies listed on the Jakarta Islamic Index, published by the companies and the Indonesia Stock Exchange. The data were analyzed using panel data regression with the Fixed Effect Model (FEM). The results of the study indicate that Financial Distress, Political Cost, and Capital Intensity do not have a significant effect on Accounting Conservatism, while Company Size does have an effect on Accounting Conservatism. However, Financial Distress, Capital Intensity, Political Cost, and Company Size collectively have an influence on Accounting Conservatism.
Perceived Quality, Brand Trust, Image, and Loyalty as Key Drivers of Fast Food Brand Equity Ole, Hizkia C.; Sakka, Eirene W. M.; Mandagi, Deske W.
Indonesian Journal of Islamic Economics and Finance Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v5i1.7012

Abstract

In the fiercely competitive fast-food industry, building strong brand equity is crucial for long-term success. This study investigates the effects of brand trust, brand image, and perceived quality on brand equity, while also examining the mediating role of brand loyalty in these relationships within the context of fast-food restaurants. Employing a quantitative, descriptive, and correlational research design, this study explores the interrelationships among these variables. Data were collected through a structured questionnaire administered to 175 regular customers of fast-food restaurants in North Sulawesi, Indonesia. The collected data were analyzed using Structural Equation Modeling (SEM) with the aid of SmartPLS statistical software. The findings reveal that brand image and perceived quality are the primary determinants of brand equity, exerting both direct and indirect effects through the mediating role of brand loyalty. However, brand trust does not significantly influence either brand loyalty or brand equity. The study’s focus on a specific geographic region limits the generalizability of the findings to a broader population. Furthermore, the measurement instruments employed may not comprehensively capture the emotional and functional dimensions of brand trust, which could affect the validity of the results. This study contributes to the field of brand management and the fast-food industry by providing insights into the critical factors shaping brand equity. The findings offer valuable implications for both academics and practitioners seeking to enhance brand equity through strategic brand management initiatives.

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