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Yuli Andriansyah
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INDONESIA
Journal of Islamic Economics Lariba
Published by Universitas Islam Indonesia
ISSN : 24774839     EISSN : 25283758     DOI : https://doi.org/10.20885/jielariba
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Journal of Islamic Economics Lariba provides a platform for academicians, researchers, lecturers, students, and others having concerns about Islamic economics, finance, and development. The journal welcomes contributions on the following topics: Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic human resource management, Islamic microfinance, Islamic capital market, and other relevant Islamic economic and financial studies.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 30 Documents
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Search results for , issue "Vol. 10 No. 1 (2024)" : 30 Documents clear
Application of Islamic business ethics in online marketplace: A study among Bukalapak users in Yogyakarta, Indonesia Ilham S., Walhaarik; Andriansyah, Yuli; Sobirov, Bobur
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art30

Abstract

Introduction The rapid growth of e-commerce has revolutionized trade and consumer behavior. Bukalapak, as one of Indonesia’s leading platforms, plays a crucial role in supporting digital transformation for micro, small, and medium enterprises (MSMEs). However, the implementation of Islamic business ethics in e-commerce remains underexplored. This study investigates how Bukalapak applies Islamic business ethics principles and the relationship between security, privacy, non-deception, and reliability. Objectives The research aims to evaluate Bukalapak’s adherence to Islamic business ethics and analyze the influence of ethical dimensions (security, privacy, and non-deception) on user-perceived reliability. Method This quantitative study employed a descriptive research design using Structural Equation Modeling (SEM). Data were collected through online questionnaires distributed to 665 Bukalapak users in Yogyakarta, with variables assessed against the principles of fairness, free will, responsibility, and truth. Results The findings reveal that Bukalapak incorporates Islamic business ethics in its operations. The principles of truth and responsibility are reflected in security, privacy, and non-deception, while free will is evident in non-deceptive practices. However, security, privacy, and non-deception were not significantly correlated with reliability. Implications The study emphasizes the importance of reinforcing ethical practices to enhance user trust in e-commerce platforms. It provides actionable insights for Bukalapak and similar platforms to strengthen the alignment between ethical principles and operational reliability. Originality/Novelty This research offers a pioneering framework for assessing the application of Islamic business ethics in digital commerce. It bridges the gap between theoretical principles and practical implementation, contributing to the discourse on ethical e-commerce practices in Muslim-majority contexts.
Islamic business ethics in Muslim fashion store: A study at 3 Nur Shop, Pattani, Thailand U-Mar, Nurainee; Andriansyah, Yuli; Hattabou, Anas
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art29

Abstract

Introduction The integration of Islamic business ethics into entrepreneurship is critical in predominantly Muslim societies. This study examines the implementation of these ethics at the 3 Nur Shop, a Muslim-owned convection business in Pattani, Thailand. The study highlights how adherence to ethical principles can influence business performance and community perceptions.Objectives This research aims to analyze the application of Islamic business ethics—based on the principles of Shiddiq (honesty), Amanah (trustworthiness), Fathanah (wisdom), and Tabligh (communication)—in the operations of 3 Nur Shop and to evaluate its social and economic contributions to the local community.Method The study employs a mixed-methods approach. Quantitative data were gathered from the shop’s employees to assess ethical adherence in daily operations, while qualitative data were collected from customers to understand their perceptions and experiences with the shop.Results Findings indicate that 3 Nur Shop practices Islamic business ethics comprehensively. Honesty is reflected in clear product information, trustworthiness in fulfilling customer expectations, wisdom in business innovation, and effective communication in maintaining customer relationships. These practices foster trust, enhance customer loyalty, and contribute to sustainable business growth.Implications The study emphasizes the importance of incorporating ethical practices in Muslim-owned businesses as a strategy for achieving commercial success while adhering to religious values. It provides a framework for entrepreneurs to integrate moral principles into their operations, fostering both ethical compliance and customer satisfaction.Originality/Novelty This research contributes to the literature by presenting a practical case study of Islamic business ethics implementation. It demonstrates how these principles can create a competitive advantage and build community trust, offering valuable insights for businesses in predominantly Muslim regions.
Factors influencing user interest in using Sharia-compliant Fintech services: A case study of SyarQ in Yogyakarta, Indonesia Yuniati, Tri; Andriansyah, Yuli; Martins, José Duarte Moleiro
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art27

Abstract

IntroductionThe rapid growth of financial technology has led to the emergence of sharia-compliant services like SyarQ, an Islamic-based online installment platform. Understanding the factors that influence consumer interest in such services is essential for their adoption and success.ObjectivesThis study aims to analyze the factors affecting users' interest in using SyarQ's services by integrating the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB).MethodA quantitative and exploratory research design was employed, utilizing online questionnaires distributed to 100 verified SyarQ users. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the proposed hypotheses and examine the relationships between variables.ResultsThe findings reveal that user attitude has a positive and significant effect on the interest in using SyarQ services. Perceived behavioral control positively influences perceived ease of use but does not significantly affect interest directly. Perceived ease of use positively affects both attitude and perceived usefulness. Subjective norms have a positive and significant impact on perceived usefulness but do not significantly influence interest. Perceived usefulness does not have a significant effect on attitude or interest.ImplicationsThe study suggests that enhancing user attitudes and simplifying the user experience can increase consumer interest in Sharia-compliant fintech services like SyarQ. Providers should focus on improving the ease of use and addressing factors that positively influence user attitudes to attract and retain customers.Originality/NoveltyThis research contributes to the existing literature by combining TAM and TPB to examine user interest in a Sharia-compliant fintech platform. It offers valuable insights into consumer behavior within Islamic financial services, a relatively underexplored area.
Sources and use of Indonesia’s foreign debt from an Islamic economic perspective based on Siddiqi’s theory Sumantri, Nur Adnan Tamalia Ali; Andriansyah, Yuli; Nayak, Venkatesha
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art28

Abstract

Introduction Foreign debt has been a significant factor influencing Indonesia's economic growth, both positively and negatively. Despite its role as a critical source of funding, mismanagement has led to dependency and economic challenges. Research on foreign debt from the perspective of Islamic economics remains limited, especially concerning its sources, utilization, and compliance with Islamic principles.Objectives This study aims to analyze the sources and uses of Indonesia’s foreign debt from an Islamic economic perspective, utilizing M. Nejatullah Siddiqi's theory. It also seeks to assess how foreign debt aligns with Islamic principles and its implications for the country's economy.Method A qualitative research methodology was employed, focusing on a literature review of previous studies, policy documents, and secondary data related to Indonesia’s foreign debt from 2009 to 2018.Results The study identifies that Indonesia's foreign debt is sourced through bilateral and multilateral loans and used primarily for infrastructure and public services. However, significant inefficiencies and interest-based practices conflict with Islamic principles, particularly the prohibition of riba (usury). Misallocation of funds and rising debt levels have further exacerbated economic disparities and dependency on external creditors.Implications To reduce dependency on foreign debt and align financial practices with Islamic principles, policy recommendations include optimizing domestic resource management, implementing Sharia-compliant financing models, and improving accountability in public expenditure.Originality/Novelty This study provides a comprehensive analysis of Indonesia's foreign debt within the framework of Islamic economics, offering practical insights for policymakers to ensure sustainable and ethical economic practices while addressing the country’s financial challenges.
SWOT analysis of fire insurance product marketing strategy at PT Chubb Life Insurance Indonesia Medan Branch: An Islamic perspective Romadhon , Fauzi Ahmad; Rahma, Tri Inda Fadhila; Syahriza, Rahmi
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art1

Abstract

IntroductionIndonesian people are familiar with and use many sharia insurance products. However, research specifically discussing fire insurance products is still limited.ObjectivesThis study carries out a SWOT analysis of fire insurance products from the marketing strategy aspect and Islamic perspective.MethodThis study used a quantitative approach with a sample of PT. Chubb Life Insurance (Persero) Medan Branch, Indonesia. Data collection was carried out using interviews and questionnaires. This study uses SWOT Analysis to evaluate internal and external factors that influence a company to identify strengths and weaknesses.ResultsThe research results show that the strengths of PT. Chubb Life Insurance were in its principles that are not usury, its brand is strong and its policies and claims services are well served. The opportunity can be found around office buildings that requires fire insurance. The weaknesses faced are low market share and human resources. The threat is the large number of competing companies that have similar products and the public's lack of understanding about insurance.ImplicationsThis study shows a strong internal position and indicates that the company responded well to existing opportunities and avoided threats in the market.Originality/NoveltyThis study contributes to the study of fire insurance as part of Islamic insurance in Indonesia.
How should Bank Syariah Indonesia respond to cyber-attacks? Churn, sentiments, and emotions analysis with machine learning Timur, Yan Putra; Ridlwan, Ahmad Ajib; Fikriyah, Khusnul; Susilowati, Fitriah Dwi; Canggih, Clarashinta; Nurafini, Fira
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art24

Abstract

IntroductionThis study aims to identify the most popular topics and words in Twitter conversations regarding cyber-attacks on Bank Syariah Indonesia that occurred in May 2023. It also seeks to analyze the sentiments, emotions, and potential customer churn of netizens following cyber-attacks.ObjectivesThe objective of this study is to investigate the public's response to cyber-attacks on Bank Syariah Indonesia, focusing on identifying key topics, analyzing sentiments and emotions, and estimating potential customer churn.MethodThis study uses a qualitative method with a sentiment analysis approach utilizing Orange Data Mining software. The data comprises tweets collected from May 10, 2023, to May 24, 2023, using keywords such as “BSI” and “Bank Syariah Indonesia,” resulting in 30,014 tweets. Sentiment and emotion analyses were conducted to categorize tweets and identify the prevalent sentiments and emotions.ResultsThe analysis reveals that the words “BSI,” “Data,” and “Lockbit” are most frequently mentioned, indicating the relevance of the cyber-attackers who targeted Bank Syariah Indonesia. The sentiment analysis showed that 56% of the tweets were neutral and dominated by emotions of joy. The study also identifies a short-term potential churn rate of 1.60% for Bank Syariah Indonesia's total customer base, indicating the risk of customers switching to other banks.ImplicationsThe results highlight the importance of robust cybersecurity measures and quick response strategies for maintaining customer trust and satisfaction. Financial institutions, particularly banks, must prioritize information and technology security to prevent customer churn and ensure the continuity of their services.Originality/NoveltyThis study provides insights into public reactions to cyber-attacks on Islamic banks, emphasizing the role of sentiment and emotion analysis in understanding customer behavior. This offers practical implications for improving risk management and customer retention strategies in the banking sector.
The effect of liquidity and leverage on financial performance with company size as a moderating variable: A study on companies listed in Jakarta Islamic Index 30 Cahyani, Fatma Intan; Santoso, Suryo Budi; Hariyanto, Eko; Setyadi, Edi Joko
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art2

Abstract

IntroductionThe Jakarta Islamic Index is an index on the Indonesia Stock Exchange which contains companies that contribute to the halal industry in Indonesia. However, research on financial performance specifically using liquidity, leverage and company size is still limited.ObjectivesThe research aims to examine the effect of liquidity and leverage on performance financial with company size as a moderating variable. This research aims to find out which companies in the Jakarta Islamic Index 30 are influenced by factors that can improve their financial performance so that they have a more positive impact on companies and investors.MethodThe subject of this research companies listed on Jakarta Islamic Index 30 for 2020 – 2022. Data collection techniques used in this study were purposive sampling and with a sample size of 114 samples. While the data analysis techniques used in this study is classic multiple regression analysis with interaction.ResultsThe analysis show that liquidity has a significant effect on financial performance, leverage has no effect on financial performance, company size moderates liquidity on financial performance but does not moderate leverage to financial performance.ImplicationsCompanies registered on Jakarta Islamic Index 30 can utilize their debt policy to obtain additional capital as long as the use is reasonable and does not burden the company.Originality/NoveltyThis study contributes to broaden the knowledge on financial performance of companies listed in Jakarta Islamic Index 30.
Interaction analysis of sharia financial institution assets, sharia investment and exports on gross domestic product in Indonesia Nasyaa, Sultan Rasy; Imsar, Imsar; Harahap, Muhammad Ikhsan
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art3

Abstract

IntroductionIn macroeconomics, one of the key indicators influencing a country's economic success is its economic growth. An essential factor in determining a nation's economic growth is the Gross Domestic Product (GDP).ObjectivesThis research aims to analyze the level of interaction between Islamic financial institutions, Sharia investments, and export activities in Indonesia, examining their impact on the Gross Domestic Product (GDP) over the short and long term, spanning the period 2017-2022.MethodThe study employs a quantitative research approach, specifically utilizing the Vector Error Correction Model (VECM) method.ResultsThe results of the Vector Error Correction Model (VECM) reveal two significant variables in the long term. The causality test results indicate a significant relationship between Indonesian exports and Sharia investment. The Variance Decomposition analysis reveals that Sharia Financial Institution Assets contribute 2.7 percent, followed by Sharia Investment at 0.3 percent, and Indonesian Exports at 0.03 percent to the variation in GDP.ImplicationsThis suggests that Indonesian exports significantly impact Sharia investment, and vice versa. However, concerning Gross Domestic Product (GDP), none of the variables exhibit significance. The development of income across various institutions and economic activities in Indonesia indicates a significant increase in the last three years.Originality/NoveltyThese findings provide valuable insights into the economic dynamics of Indonesia, offering a basis for further research and policymaking.
Pre- and post-merger efficiency of Islamic state-owned bank: A case study of Bank Syariah Indonesia Hakimi, Fifi; Maf'ula, Faricha; Gultom, Rifyal Zuhdi
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art25

Abstract

IntroductionThe increased development of Islamic banks in Indonesia is one way the government promotes state financial inclusion. On January 27, 2021, the Financial Services Authority (Otoritas Jasa Keuangan) formally granted permission for corporate mergers. Subsequently, on February 1, 2021, BRI Syariah, Bank Syariah Mandiri, and BNI Syariah, three state-owned Islamic banking companies, were officially merged to form Bank Syariah Indonesia. This study evaluates the performance efficiency of these three Islamic banks before and after the merger and compares it to other state-owned conventional banks using the Data Envelopment Analysis (DEA) approach with the BCC model framework.ObjectivesThis study aims to compare Bank Syariah Indonesia's efficiency levels before and after the merger and assesses its performance relative to other state-owned conventional banks.MethodThis research utilizes the DEA method with the BCC model to analyze quarterly financial data from March 2019 to March 2023. The inputs considered are total deposits, personal expenses, and fixed assets, whereas the outputs are financing (loans) and income.ResultsThe results indicate that Bank Syariah Indonesia is more efficient than other conventional state-owned banks after the merger. However, pre-merger, BRI Syariah and BNI Syariah ranked first in efficiency compared to conventional state-owned banks. The post-merger analysis shows a stable and high-efficiency level for Bank Syariah Indonesia despite fluctuations.ImplicationsThe findings suggest that the merger improved Bank Syariah Indonesia's performance efficiency, making it a benchmark for state-owned banks. The study highlights the importance of mergers in enhancing efficiency and suggests areas for further improvement, such as risk-mitigation strategies during economic downturns.Originality/NoveltyThis study provides additional literature on the impact of mergers on the efficiency of Islamic banks in Indonesia. It extends previous studies on Islamic bank mergers by offering insights into performance differences before and after the merger, using Bank Syariah Indonesia as a case study.
Social and economic impacts of increasing early marriages during the Covid-19 pandemic: A study in Mandailing Natal and South Tapanuli districts Lubis, Muhlisah; Jureid, Jureid; Defriza, Rita; Kholijah, Siti; Saniah, Nur
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art4

Abstract

IntroductionSince the Covid-19 outbreak, underage marriages have become increasingly widespread with all its impact to the society. There are very limited studies on its impact from social and economic aspect, especially among Muslim society in Indonesia.ObjectivesThe purpose of this study was to analyse the social and economic impacts of increasing underage marriage during the Covid-19 pandemic. By doing so, the study also aims to provide solution to solve the impacts for the affected communities.MethodThis study uses a qualitative method with a sociological approach that focuses on experiences and socio-cultural phenomena that occur in the midst of society.ResultsThere are several social impacts that occur as a result of early marriage, conflict in the family, regret and heavy pressure, loss of opportunity to continue education, not being able to socialize, domestic violence, divorce. The economic impacts that occur due to early marriage, among others, are limited opportunities to get work opportunities, unable to bear the family's economic burden, structural poverty.ImplicationsEfforts were made to reduce the number of early marriages, among others, holding meetings several times a month, formally coordinating community leaders, village officials, and KUA, through outreach programs to Majlis Taklim, marriage advice, through marriage sermons, coordinating with sub-districts, youth activities related to early marriage.Originality/NoveltyThe findings of this study contribute to efforts to overcome social and economic problems among Muslim society impacted by the Covid-19 pandemic.

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