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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 237 Documents
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The role of the agricultural sector in increasing economic growth from an Islamic economic perspective: A study in Deli Serdang Regency, North Sumatera Province, Indonesia Tobing, Iqbal Fahri; Batubara, Maryam; Yusrizal, Yusrizal
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art17

Abstract

IntroductionThe agricultural sector is vital for economic growth in agrarian regions, particularly in Indonesia. Despite its substantial contributions to employment, food security, and regional GDP, the sector faces systemic challenges, including limited technological adoption and inadequate infrastructure. Islamic economics, emphasizing equity, sustainability, and social welfare, offers a promising framework for addressing these challenges.ObjectivesThis study explores the role of the agricultural sector in promoting economic growth in Deli Serdang Regency, North Sumatra, from the perspective of Islamic economics. It aims to assess the impact of government interventions and the potential of Islamic financial instruments, such as zakat and waqf, in enhancing agricultural productivity and sustainability.MethodA qualitative descriptive approach incorporated field observations, semi-structured interviews, focus group discussions, and document analysis. Data were analyzed using interactive qualitative analysis to identify themes and patterns, supported by triangulation to ensure reliability.ResultsThe findings reveal that agriculture remains a cornerstone of economic stability in Deli Serdang, contributing significantly to employment and regional development. Government interventions, including subsidies, infrastructure investments, and training programs, have improved productivity but face challenges in equitable implementation. Islamic economic principles, particularly the use of zakat and waqf, offer transformative potential by addressing financial and ethical dimensions of agricultural development.ImplicationsThis study highlights the need for a synergistic approach that integrates Islamic economics with government policies to revitalize agriculture sustainably. The findings contribute to the discourse on ethical and inclusive economic development, offering practical insights for policymakers and stakeholders.Originality/NoveltyBy integrating Islamic economic principles into agricultural development analysis, this study provides a unique framework for addressing systemic challenges while promoting sustainability and inclusivity in agrarian economies.
Donor fund empowerment strategy in increasing donor trust: A case study on Lazismu Sidoarjo Ilmi, Muhammad Nasrulloh; Maesaroh, Imas
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art18

Abstract

IntroductionIndonesians are known for their philanthropic behavior, which can be seen from the number of zakat and infaq organizations in Indonesia.ObjectivesThis study aims to analyze the strategy of empowering donor funds and its effectiveness in increasing donor trust in Lazismu Sidoarjo.MethodData was collected using a qualitative approach through in-depth interviews with 14 informants, field observations, and document analysis.ResultsThe results showed that Lazismu Sidoarjo implemented a distribution strategy through 6 pillar programs (education, economy, social, environment, health, and da'wah) with an effectiveness rate of 85% based on the increase in the number of donors from 2021-2024. The effectiveness of the strategy is supported by three main activities: financial transparency, program publication, and activity documentation.ImplicationsThis study highlights the importance of transparent, accessible, and documented donor fund management to ensure trust. Zakat and infaq organizations can use the findings to improve public trust.Originality/NoveltyThis research contributes to developing a donor fund management model that can increase public trust in Amil Zakat institutions.
The effect of financial literacy and financial capability on the interest in social investment-based cash waqf linked Sukuk investment Pinasti, Ulfi Sheila; Achiria, Siti
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art20

Abstract

IntroductionThe Cash Waqf Linked Sukuk (CWLS) represents an innovative instrument that combines Islamic philanthropy and investment principles to support social development. Despite its potential, Generation Z's participation in CWLS remains limited, presenting a challenge for its broader adoption.ObjectivesThis study examines the influence of financial literacy and financial capability on Generation Z's interest in CWLS investments. It seeks to identify the key barriers and enablers shaping investment behavior in the context of Islamic social finance.MethodUsing a quantitative approach, data were collected from 100 Generation Z respondents in Yogyakarta through structured questionnaires. Multiple regression analysis was employed to assess the relationship between financial literacy, financial capability, and investment interest in CWLS.ResultsThe findings indicate that financial literacy and financial capability have significant positive effects on investment interest in CWLS. Respondents with higher financial literacy demonstrated greater awareness of CWLS benefits, while stronger financial capability enabled practical decision-making. However, issues of trust in waqf management and limited awareness of CWLS were identified as barriers to participation.ImplicationsThe results underscore the importance of targeted financial education, transparency in waqf management, and innovative outreach strategies to enhance CWLS adoption. These insights are critical for policymakers, educators, and financial institutions in promoting Islamic social finance.Originality/NoveltyThis study contributes to the growing body of knowledge on Islamic social finance by exploring the unique dynamics of Generation Z's engagement with CWLS. It highlights actionable strategies to address barriers and foster greater participation in waqf-based investments.
Analysis of factors affecting the satisfaction of using Aisyah BSI Chatbot using UTAUT 2 Theory Isnaini , Hasna Hanifah; Tulasmi, Tulasmi
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art21

Abstract

IntroductionChatbots have become an integral part of digital banking, offering seamless and efficient customer service. However, their adoption in Islamic banking raises unique challenges, particularly in fostering user satisfaction and loyalty, as emotional and personal connections are often limited.ObjectivesThis study analyzes the factors influencing user satisfaction and adoption of the Aisyah BSI chatbot, employing the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2). The study explores constructs such as habit, behavioral intention, and use behavior, offering insights into their roles in shaping user engagement.MethodA quantitative approach was adopted, utilizing a structured questionnaire to collect data from 68 respondents who were users of the Aisyah BSI chatbot. Partial Least Squares Structural Equation Modeling (PLS-SEM) was employed to test the relationships among variables, including performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, behavioral intention, and use behavior.ResultsThe findings reveal that habit significantly influences behavioral intention, and behavioral intention mediates the relationship between habit and use behavior. Conversely, constructs such as performance expectancy, effort expectancy, social influence, and price value showed no significant impact on behavioral intention or use behavior. The model demonstrated a good fit, with an SRMR value of 0.094.ImplicationsThe study highlights the importance of fostering habitual use and strengthening behavioral intention to enhance user satisfaction with banking chatbots. These findings provide actionable recommendations for improving chatbot design and strategy, particularly in the Islamic banking sector.Originality/NoveltyThis research extends the application of the UTAUT 2 framework to a culturally specific context, contributing to the theoretical understanding of chatbot adoption in Islamic banking and offering practical insights for enhancing user engagement.
The effects of brand image, halal label, and animosity on purchasing decision with promotion as a moderating variable: A case study of Scarlett Whitening sales at Mutiara Kosmetik Shop Heydiana, Alma; Aliyanti, Fitri Eka
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art22

Abstract

IntroductionThe Indonesian skincare market has experienced rapid growth, driven by increased consumer awareness and demand for affordable, high-quality products. Scarlett Whitening has emerged as a leading local brand, leveraging its brand image and halal certification. However, challenges such as limited consumer awareness of halal certification and socio-political animosity complicate purchasing decisions.ObjectivesThis study examines the influence of brand image, halal certification, and consumer animosity on purchasing decisions for Scarlett Whitening products. It also investigates the moderating role of promotional activities in these relationships.MethodA quantitative approach was adopted, using Structural Equation Modeling (SEM) to analyze data from 220 respondents at Mutiara Kosmetik in Yogyakarta, Indonesia. The study employed a structured questionnaire to measure brand image, halal certification, animosity, promotions, and purchasing decisions, ensuring validity and reliability through established scales.ResultsBrand image significantly and positively influenced purchasing decisions, highlighting its role in fostering consumer loyalty. Halal certification exhibited a negative relationship with purchasing decisions, suggesting gaps in consumer awareness. Animosity had no direct impact but was moderated by promotions, which effectively mitigated its effects. Promotions also amplified the positive influence of brand image but had limited impact on halal certification.ImplicationsThe findings underscore the importance of integrated marketing strategies that leverage brand strength, address consumer trust in ethical certifications, and mitigate socio-political challenges through targeted promotions. These insights are vital for enhancing market positioning in culturally sensitive contexts.Originality/NoveltyThis study provides a holistic framework for understanding purchasing decisions by integrating brand image, halal certification, animosity, and promotions, offering actionable recommendations for culturally and politically sensitive markets.
Financial behavior of working women in the sandwich generation in Sleman Regency, Yogyakarta, Indonesia Artanty, Honesty; Sobaya, Soya
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art23

Abstract

IntroductionWomen in the sandwich generation face unique financial challenges, managing intergenerational responsibilities while navigating socio-economic disparities. This study examines the financial behaviors of sandwich generation women in Sleman District, Indonesia, where regional and cultural differences significantly impact financial practices.ObjectivesThis study aims to explore key aspects of financial behavior, including planning, savings, insurance, investments, debt management, and expenditures. The research investigates how these behaviors differ between urban and rural (tourist area) participants and identifies areas for improvement to promote financial resilience.MethodA qualitative descriptive comparative approach was employed. Data were collected through structured questionnaires and semi-structured interviews with 34 participants, divided evenly between urban and rural regions. The analysis focused on identifying patterns and disparities in financial behaviors and contextual influences.ResultsFindings revealed gaps in retirement planning, emergency savings, and investment practices, with urban participants demonstrating better financial literacy and access to formal financial systems. Rural participants relied heavily on informal financial mechanisms and community networks. Insurance uptake was low due to mistrust and limited awareness of Islamic financial products, while debt management reflected strong financial responsibility. Participants also displayed commendable prioritization of essential expenses and charitable giving.ImplicationsThe study highlights the need for targeted financial literacy programs, accessible financial products, and interventions tailored to regional and cultural contexts. Addressing these gaps can empower sandwich generation women to achieve greater financial independence and resilience.Originality/NoveltyThis research integrates gender, regional, and cultural perspectives to provide a nuanced understanding of financial behavior among sandwich generation women. It contributes actionable insights for policymakers and financial institutions to design effective interventions, addressing an underexplored demographic in the literature.
Readiness of micro, small, and medium enterprises (MSMEs) in the food and beverage sector for halal certification implementation: A case study in Magelang, Indonesia Tuhuteru, Akbar Dwikiwibowo; Iqbal, Muhammad
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art24

Abstract

IntroductionHalal certification is increasingly critical for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, especially in the food and beverage sector. Despite its mandatory status under Halal Product Assurance Law, many MSMEs face challenges in achieving compliance due to limited knowledge, inadequate service support, and operational constraints.ObjectivesThis study investigates the readiness of MSMEs in Magelang to implement halal certification. It analyzes the influence of knowledge, service quality, halal awareness, production processes, and human resource capabilities on MSME readiness while identifying the most significant factors affecting compliance.MethodThe research employs a quantitative cross-sectional approach, surveying 110 MSME operators in Magelang. Data were collected using structured questionnaires and analyzed using descriptive statistics, classical assumption tests, and multiple linear regression analysis.ResultsThe findings reveal that knowledge, service quality, and halal awareness significantly influence MSME readiness for halal certification, with knowledge being the most dominant factor. Human resource capabilities also positively impact readiness, while production processes were found to be insignificant. The model explains 74% of the variance in readiness, emphasizing the importance of integrating these factors.ImplicationsThe study highlights the need for targeted educational initiatives, streamlined certification processes, and enhanced institutional support to improve MSME compliance. It provides actionable insights for policymakers, certification bodies, and MSME operators to foster a robust halal certification ecosystem.Originality/NoveltyThis research contributes to the understanding of halal certification readiness by offering a multidimensional analysis of critical factors, addressing gaps in existing literature, and proposing practical interventions to enhance MSME participation in the halal market.
Effect of investment returns, risk-based capital, and underwriting results on the profit of Islamic life insurance company: A case study of PT. Takaful Keluarga 2017-2024 Haerani, Sitti Annisa; Kholis, Nur
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art25

Abstract

IntroductionThe role of Islamic life insurance in addressing financial risks and promoting sustainable growth is increasingly important, particularly in Muslim-majority countries like Indonesia. Understanding the financial determinants of profitability in this sector provides critical insights into its operations and resilience.ObjectivesThis study examines the impact of investment returns, risk-based capital, and underwriting results on the profitability of PT Takaful Keluarga. It aims to evaluate both individual and combined effects of these financial variables and analyze their role during economic disruptions, such as the COVID-19 pandemic.MethodThe study employs a quantitative approach, utilizing multiple linear regression analysis on quarterly financial data from 2017 to 2024. The analysis focuses on the interplay of key financial variables and their influence on net profit, providing a comprehensive view of profitability determinants in Islamic life insurance.ResultsInvestment returns were found to significantly and positively affect profitability, highlighting the importance of effective asset management. Risk-based capital and underwriting results showed limited individual impacts but contributed significantly in combination with investment returns. The findings also underscore the company’s resilience, with profitability rebounding in the post-pandemic period.ImplicationsThe results emphasize the need for integrated financial strategies that align investment, solvency, and risk management practices. These findings offer actionable insights for practitioners and policymakers aiming to optimize the financial performance of Islamic life insurance providers.Originality/NoveltyThis study contributes to the understanding of financial dynamics in Islamic life insurance by addressing the interdependence of key financial variables and exploring their role in sustaining profitability under economic uncertainty.
Factors influencing the decision to use BSI Mobile Banking among Gen Z and Millennials in Yogyakarta, Indonesia Fitriah , Yasminah Nur; Garbo, Anom
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art26

Abstract

IntroductionMobile banking has become an essential aspect of modern financial services, particularly among digitally literate populations such as Gen Z and Millennials. Despite the widespread adoption of mobile banking, understanding the factors influencing its use in specific cultural and demographic contexts remains underexplored. This study investigates the adoption of Bank Syariah Indonesia's (BSI) mobile banking services among Gen Z and Millennials in Yogyakarta using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) framework.ObjectivesThe research aims to identify and analyze the key factors driving the decision to adopt mobile banking services, focusing on intrinsic motivators such as performance expectancy, effort expectancy, hedonic motivation, price value, and habit, as well as external factors like social influence and facilitating conditions.MethodThis study employed a quantitative approach, collecting data from 124 respondents through structured questionnaires. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the relationships between the UTAUT2 factors and mobile banking adoption were evaluated.ResultsThe findings indicate that intrinsic factors, particularly habit, performance expectancy, and effort expectancy, significantly influence mobile banking adoption. Hedonic motivation and price value also play essential roles, whereas external factors such as social influence and facilitating conditions were found to have no significant impact.ImplicationsThe study underscores the importance of user-centered strategies that enhance functionality, ease of use, and emotional satisfaction. It suggests that financial institutions should focus on fostering habitual engagement and cost-effective services to drive adoption.Originality/NoveltyThis research contributes to the literature on digital financial services by offering insights into mobile banking adoption among Gen Z and Millennials in Indonesia, emphasizing the relevance of intrinsic motivators in a technologically advanced context.
Evaluation of gourami farmers’ welfare in the IZI Yogyakarta Smartfarm Program using the CIBEST Method Sobandi, Liebe; Rakhmawati, Rakhmawati
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art27

Abstract

IntroductionThe integration of productive zakat programs with sector-specific interventions has emerged as a promising strategy for poverty alleviation and community empowerment. In Indonesia, the aquaculture sector, particularly gourami farming, holds significant potential for improving rural livelihoods. However, challenges such as low productivity, economic dependency, and limited market access hinder its growth. Addressing these issues requires innovative programs that align technical, financial, and spiritual support.ObjectivesThis research aims to evaluate the welfare of gourami fish farmers who have received business capital assistance, technical training, and support based on productive zakat. The research was conducted on gourami farmers in Bantul Regency, Yogyakarta Province, who are beneficiaries of the Smartfarm program. The program is managed by the IZI Institution (Indonesian Zakat Initiative) with the support of the XL Axiata Ta’lim Assembly.MethodThis research is a population study, meaning it examines all recipients of the Smartfarm program. The respondents have been participants in the program since November 2022, but only five beneficiaries were successfully studied. Data analysis was conducted using the CIBEST method, which includes the calculation of Material Value (MV) and Spiritual Value (SV) scores. Beneficiaries are classified into four welfare categories based on these scores, namely materially and spiritually prosperous, materially prosperous only, spiritually prosperous only, and not prosperous. The comparison of MV and SV scores before and after the program was conducted to determine changes in welfare.ResultsThe results show that the material value and spiritual value of each mustahik increased after participating in the zakat program. However, the category of mustahik based on the CIBEST quadrant did not change.ImplicationsBy evaluating the welfare changes in recipients of the Smartfarm program, the study highlights the potential benefits and limitations of zakat as a tool for poverty alleviation, particularly within the context of fisheries.Originality/NoveltyThis research contributes to the literature on productive zakat by applying the CIBEST framework in the aquaculture sector, offering a replicable model for addressing multi-dimensional welfare challenges.

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