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Journal of Islamic Economics and Business
Published by UIN Sunan Gunung Djati Bandung
ISSN : 27988562     EISSN : 27984834     DOI : https://doi.org/10.15575/jieb
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
The Journal of Islamic Economics and Business (JIEB) is open access, peer-reviewed journal dedicated to publishing original research papers on Islamic economic and business issues. This journal is likewise committed to making the articles it publishes available to international academicians, researchers, practitioners, regulators, and public societies for free. The journal accepts rigorous empirical or theoretical research papers using any methodologies or approaches relevant to the Indonesian economy and business topics, as long as the research falls into one of three primary disciplines: economics, business, accounting, management and finance.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 90 Documents
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Evaluating the Performance and Institutional Challenges of BMT in North Sumatra: A Multi-Perspective Yusman; Mustafa Khamal Rokan; Sugianto
Journal of Islamic Economics and Business Vol. 4 No. 2 (2024): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v4i2.54530

Abstract

Baitul Maal wat Tamwil (BMT) is a Sharia-based microfinance institution that plays a pivotal role in promoting community economic empowerment, particularly in North Sumatra, a region characterized by its rich economic potential and socio-cultural diversity. Despite its strategic importance, many BMTs in this region face persistent challenges, including low levels of Islamic financial literacy, weak institutional governance, limited access to digital technologies, and inadequate working. This study aims to identify the key factors impeding BMT performance and to formulate context-specific revitalization strategies that are both practical and sustainable. Employing a qualitative research design with a case study approach, data were gathered through in-depth interviews, field observations, and document analysis involving three selected BMTs in North Sumatra. Thematic analysis was utilized to uncover critical patterns within the institutional and operational dynamics of these entities. The findings reveal that poor managerial professionalism, declining public trust, and a lack of innovation in Sharia-compliant financial products tailored to local needs are among the primary barriers to performance. In response, this study proposes four strategic recommendations: (1) enhancing human resource capacity through targeted professional training; (2) digitalizing services to foster greater efficiency and transparency; (3) restructuring organizational frameworks; and (4) improving Islamic financial literacy through comprehensive public education initiatives. This research contributes to the development of a locally grounded revitalization model for BMTs, offering actionable insights for practitioners, regulators, and stakeholders committed to advancing an inclusive, resilient, and adaptive Islamic microfinance ecosystem.
How positive affect moderates job characteristics and lecturer job satisfaction in higher Islamic education? Muhammad Zaky; Yulia Fithriany; Budi Budiman
Journal of Islamic Economics and Business Vol. 5 No. 2 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i2.54538

Abstract

This study examines how job characteristics dimensions and positive affect influence job satisfaction among lecturers in Faculties of Islamic Economics and Business at State Islamic Religious Universities (PTKIN) in Indonesia. It aims to address the growing concern regarding academic job satisfaction within Islamic higher education institutions facing increasing professional and institutional demands. Despite the strategic role of lecturers in ensuring educational quality, declining job satisfaction remains a persistent issue in Indonesian higher education. Limited empirical evidence exists on how job design and affective dispositions jointly influence lecturer satisfaction in Islamic university contexts.This study contributes to the literature by integrating the Job Characteristics Model and dispositional affect theory through moderation analysis in the context of Islamic higher education. It provides empirical evidence on the interactive effects between job characteristics and positive affect, which remain underexplored in prior studies. This study employed a quantitative explanatory survey design involving 207 lecturers from seven PTKIN institutions in Java. Data were collected using validated instruments and analyzed using moderated regression analysis to examine direct and interaction effects among variables. The results indicate that skill variety, task identity, task significance, and autonomy have significant positive effects on job satisfaction, while feedback does not show a significant influence. Positive affect demonstrates a consistent positive relationship with job satisfaction. Furthermore, positive affect partially moderates the relationships between most job characteristics dimensions and job satisfaction, although the moderation effects are negative. This study confirms the relevance of job design and affective dispositions in shaping lecturer job satisfaction within Islamic higher education. The findings suggest that institutional efforts should integrate job enrichment strategies with psychological well-being programs to enhance academic performance and organizational sustainability.
QRIS Adoption in West Java: Evidence from A Muslim-Majority Region Abdullah Maghfur; Indrawati
Journal of Islamic Economics and Business Vol. 5 No. 2 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i2.54607

Abstract

The unprecedented growth of digital payments has made the Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia, a crucial layer in Indonesia’s cashless infrastructure. As a Muslim-majority region with a high number of micro, small, and medium enterprises (MSMEs), West Java is an appropriate context for understanding the implementation of QRIS. This study synthesizes the existing literature on QRIS and digital payment adoption through a systematic review of UTAUT- and UTAUT2-based studies. The results demonstrate that performance expectancy, social influence, facilitating conditions, habit, and trust are most often identified as determinants of behavioral intention and usage behavior, while evidence on age and gender differences remains mixed. The review also reveals limited attention to sub-national and Muslim-majority regional contexts and conceptually integrates technology acceptance, trust–risk, and socio-religious perspectives to provide a more contextual understanding of QRIS adoption. These findings offer implications for future research and policy-making on regional digital payment ecosystems.
An Integrated Sharia-Based Performance Management Framework for Indonesian SMEs Ida Nuraida
Journal of Islamic Economics and Business Vol. 5 No. 2 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i2.54715

Abstract

This study develops a structured Sharia-based approach to employee performance management in Indonesian small and medium-sized enterprises (SMEs). SME performance systems often emphasize efficiency, while Islamic ethical and spiritual principles remain under operationalized within formal HR mechanisms. The study integrates Maqāṣid al-Sharī‘ah and Islamic Work Ethics into a three-dimensional performance framework encompassing spiritual motivation, ethical conduct, and organizational contribution, addressing the limited operationalization of Islamic ethics in SME performance research. A qualitative exploratory conceptual design is employed through document analysis of classical Islamic texts and contemporary management literature. Four foundational principles: intention (niyyah), trustworthiness (amanah), excellence (ihsan), and justice (‘adl), are translated into a three-dimensional Sharia-based performance framework encompassing spiritual motivation, ethical conduct, and organizational contribution. The framework advances Islamic management and IHRM scholarship by repositioning Sharia principles as an operational evaluative infrastructure that bridges spiritual accountability and formal HR systems, while offering practical guidance for ethically resilient SMEs in Indonesia.
Opportunities and Challenges of Human Resource Virtualization in the Banking Sector: Evidence from Zimbabwe Dingani D. Mushuku; Vonai Chirasha; Mildred Mahapa
Journal of Islamic Economics and Business Vol. 6 No. 1 (2026): JIEB: Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v6i1.48984

Abstract

The rapid advancement of digital technologies has transformed human resource (HR) management practices and compelled organizations to adapt to increasingly dynamic business environments. In the banking sector, HR virtualization has emerged as an important strategy for enhancing operational flexibility and sustaining organizational performance in the digital era. This study examines the opportunities and challenges associated with the implementation of HR virtualization at a commercial bank in Zimbabwe. A mixed-method descriptive survey design was employed involving seven managers selected through purposive sampling and 493 employees. Data were collected using structured questionnaires and virtual interviews and analyzed using descriptive and thematic approaches. The findings reveal that HR virtualization provides several opportunities, including improved work–life balance, enhanced operational efficiency, increased organizational competitiveness, and improved service delivery. However, its implementation is constrained by challenges such as internet connectivity problems, employee stress, low levels of virtual engagement, resistance to change, and limited technological resources. The study concludes that while HR virtualization offers significant benefits to banking institutions, its successful implementation requires supportive organizational policies, reliable technological infrastructure, and effective change management strategies. The study contributes to the growing literature on digital human resource management by providing empirical evidence on the opportunities and challenges of HR virtualization within the banking sector of an emerging economy.
How Short-Form Travel Videos on TikTok Drive Intention Through Presence, Enjoyment, Flow Experience in Indonesian Gen Z Achmad Azizan Irdinanto; Muhammad Qaishar Fathin; Nissa Ghulma Ratnasari
Journal of Islamic Economics and Business Vol. 6 No. 1 (2026): JIEB: Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v6i1.56209

Abstract

The growth of Indonesia's tourism industry encourages fierce competition in the fight for the attention of tourists, especially Generation Z, who allocate around 29 percent of their income to tourism activities. This group makes short-form video content on TikTok the main reference in determining travel destinations. This study aims to examine the influence of the quality of tourism short video information, including information usefulness, information ease of use, and information comprehensiveness, on travel intention through the mediating roles of presence, enjoyment, and Flow experience in Generation Z Indonesia. A quantitative approach with a causal design was applied using purposive sampling of 237 respondents of Generation Z TikTok users in Indonesia. Hypothesis testing was carried out through Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis using SmartPLS. The results showed that information ease of use and information comprehensiveness had a significant effect on presence, while information usefulness did not. The three dimensions of information quality have a positive effect on enjoyment, with information ease of use as the strongest predictor. Flow experience was found to be the strongest predictor in forming travel intention, followed by enjoyment and presence. This study concludes that deep psychological involvement while consuming tourism content is the main catalyst for the birth of the intention to visit domestic destinations in Generation Z Indonesia.
Solar Villages: Evaluating the Economic Benefits of China’s Rural Electrification Programs Utkina Margarita Sergeevna
Journal of Islamic Economics and Business Vol. 6 No. 1 (2026): JIEB: Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v6i1.57233

Abstract

Rural solar-based electrification has become an important instrument for expanding energy access while promoting socio-economic development in rural areas. This study aims to examine the impact of rural solar electrification programs in China on household income, education, and public health. The study employs a quantitative approach with a quasi-experimental design, combining Difference-in-Differences (DiD) and Propensity Score Matching (PSM) to compare socio-economic changes between areas receiving electrification interventions and comparable control areas with similar initial characteristics. The findings indicate that rural electrification has a positive effect on household income, particularly non-farm income, and contributes to improvements in educational attainment and health outcomes. More specifically, electrification is associated with increased years of schooling, higher school participation, and longer study time among children, while also reducing the incidence of respiratory illness and improving households’ perceived health status. These findings suggest that rural solar electrification serves not only as a means of providing energy access but also as a broader development instrument that expands economic opportunities, strengthens human capital, and enhances rural welfare. Therefore, rural electrification policies should be integrated with local economic development, education, and health programs to maximize their long-term, sustainable benefits.
The Influence of Structural Resources on the Performance of Micro-Businesses in the Agrotourism Sector with Human Capital as a Moderator Adi Indradi Wazdi; Nur'aeni Nur'aeni; Setiawan Setiawan; Asep Abdul Halim
Journal of Islamic Economics and Business Vol. 6 No. 1 (2026): JIEB: Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v6i1.50450

Abstract

This study examines the influence of structural resources on the performance of micro-enterprises in the agrotourism sector, with human capital as a moderating variable. Agrotourism, which combines the agricultural and tourism sectors, has significant potential for boosting the local economy. However, in some areas, such as Ciwidey and Lembang, its development is still suboptimal due to limited infrastructure, a lack of innovation, and suboptimal synergy between stakeholders. This study uses a quantitative approach with an associative method to analyze the relationship between government promotion, brand identification, and financial access on the performance of agrotourism micro-enterprises. Data were collected through a Likert-scale questionnaire administered to micro-enterprises in this sector. Data analysis was conducted using structural equation modeling (SEM-PLS) to test the direct effect and moderating role of human capital. The results showed that government promotion had no significant effect on micro-enterprise performance. Conversely, brand identification and financial access had a significant positive effect on business performance. The moderating role of human capital showed mixed results: the relationship between government promotion and performance was insignificant, the relationship between brand identification and performance was weakened by human capital moderation, while the relationship between financial access and performance was strengthened by human capital.
Toward a Euro-Islamic Model of Halal Economic Integration: The Case of Bulgaria Daniel Petrov
Journal of Islamic Economics and Business Vol. 6 No. 1 (2026): JIEB: Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v6i1.51712

Abstract

The rapid expansion of the global halal economy has created new opportunities for non-Muslim countries to participate in halal value chains. However, limited evidence exists regarding the institutional readiness and development potential of the halal industry in emerging European economies. This study examines the economic, institutional, and socio-cultural factors influencing halal industry development in Bulgaria. A mixed-method approach was employed, combining regulatory analysis, documentary analysis, SWOT analysis, and a nationwide survey involving 236 stakeholders. The findings indicate that Bulgaria possesses moderate institutional readiness for halal industry development. Economic potential and regulatory compatibility represent key strengths, while fragmented institutional coordination, the absence of a nationally recognized halal certification system, and limited institutional trust remain significant constraints. Regression analysis identifies economic potential as the strongest determinant of stakeholder willingness to support halal industry development, followed by institutional trust and socio-cultural acceptance. The findings suggest that Bulgaria has favorable conditions to strengthen its position in the regional halal economy, provided that certification governance, institutional coordination, and public awareness are further improved. These findings provide the basis for a Euro-Islamic Model of Halal Economic Integration, demonstrating how economic competitiveness, institutional credibility, and socio-cultural legitimacy jointly facilitate halal market development within a secular European institutional environment.
Does Business Sustainability Mediate the Effect of Women’s Micro Entrepreneurship on Family Welfare? Aas Nurasyiah; Hilda Monoarfa; Ripan Hermawan; Firmansyah Firmansyah; Rahmayati; Shafinar Ismail
Journal of Islamic Economics and Business Vol. 6 No. 1 (2026): JIEB: Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v6i1.55000

Abstract

This study aims to develop a holistic model of family welfare among women micro-entrepreneurs by examining the effects of Islamic microfinance, women’s empowerment, spiritual motivation, and digital technology adoption, with business sustainability serving as a mediating variable. Unlike previous studies that predominantly examine the direct effects of financial and non-financial resources on business performance or welfare, this study integrates financial, technological, empowerment, and spiritual dimensions into a single model and investigates business sustainability as the mechanism linking these factors to family welfare. A quantitative approach was employed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). Data were collected through purposive sampling from 200 women micro-entrepreneurs in West Java, Indonesia. The results demonstrate that digital technology adoption and spiritual motivation have positive and significant effects on business sustainability, whereas women’s empowerment has a significant negative effect. Islamic microfinance does not significantly affect business sustainability. Digital technology adoption, spiritual motivation, and business sustainability have positive and significant effects on family welfare, while Islamic microfinance and women’s empowerment have no significant direct effects. The mediation analysis reveals that business sustainability significantly mediates only the relationship between digital technology adoption and family welfare. However, it does not mediate the effects of Islamic microfinance, women’s empowerment, or spiritual motivation on family welfare. These findings highlight digital technology adoption as a critical pathway through which sustainable micro-enterprises can improve the welfare of women entrepreneurs’ families.

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