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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 analysis of sharia compliance in the implementation of KPR Syariah iB Hebat product at BPRS Dana Amanah Surakarta Sup, Devid Frastiawan Amir; Firdaus, Muhammad Irkham; Bilhaq, Aqil Mutashim
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art1

Abstract

IntroductionBPRS Dana Amanah Surakarta, as part of a sharia entity, has an obligation to comply with sharia. One of the products implemented is KPR Syariah iB Hebat financing.ObjectivesThis research aims to analyze sharia compliance in the implementation of KPR Syariah iB Hebat products at BPRS Dana Amanah Surakarta, as well as the role of DPS in controlling and supervising every operational activity and product so that it remains in accordance with sharia regulations and principles. MethodThis research used a qualitative approach, in the form of field research, to describe the field data obtained and analyzed in this research.ResultsThe contract used in the KPR Syariah iB Hebat product at BPRS Dana Amanah Surakarta is a murabahah, istishna’ parallel, and musyarakah mutanaqishah contracts, based on DSN-MUI fatwa. The provisions listed in the DSN-MUI fatwa are then compiled into a letter of agreement. DPS supervises the development of new BPRS products and activities and supervises BPRS activities. Until now, there have been no findings of serious deviations from sharia aspects at BPRS Dana Amanah Surakarta, usually the findings are limited to administrative requirements that can be fulfilled. ImplicationsBPRS Dana Amanah Surakarta should maintain the sharia compliance for KPR Syariah iB Hebat and its other financial products. Other Islamic micro financial institutions can follow the steps taken by BPRS Dana Amanah Surakarta to engineer its financial products.Originality/NoveltyThis research made an important contribution in the form of concepts and implementation on sharia compliance, which is a part that should not be separated from the activities of sharia entities, as a reference for analyzing and developing the financial, economic, and Islamic business in the future.
The influence of financial performance on profitability of sharia commercial banks in Indonesia using the CAMEL method Minarni; Abidin, Munirul; Ekowati, Vivin Maharani
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art4

Abstract

IntroductionResearch on Islamic commercial banks in Indonesia have been extensively conducted, with a focus on banks in general and large banks. However, research specifically targeting medium-sized banks, namely PT Bank Muamalat Indonesia, PT Bank Mega Syariah, PT Bank Panin Dubai Syariah, PT Bank BCA Syariah, and PT Bank KB Bukopin Syariah, is still limited.ObjectivesThis study aims to examine the influence of the financial performance of Islamic banks on their profitability using the CAMEL indicator.MethodThis research is quantitative with a correlational approach. The population in this study consists of 12 Islamic commercial banks in Indonesia, with 5 of them selected as samples. The sampling technique used is purposive sampling. The study utilizes secondary data from quarterly financial ratio reports of Islamic banks published by the Financial Services Authority (OJK). The analysis involves evaluating the impact of CAR, NPF, NOM, BOPO, and FDR on ROA using multiple linear regression analysis.ResultsThe findings indicate that, partially, CAR and NPF do not significantly affect the ROA of Islamic banks. However, NOM, BOPO, and FDR have a significant impact on the ROA of Islamic banks.Implicationsthe research motivates Islamic bank management to improve their financial ratios to meet the health criteria set by Bank Indonesia (BI) and OJK. Maintaining healthy financial ratios has implications for the level of trust that customers and potential customers have in Islamic banks and ultimately determines the long-term existence of these banks.Originality/NoveltyThis study contributes to the development of risk management theory by examining the factors influencing the fluctuations in the values of CAR, NPF, NOM, BOPO, and FDR on the ROA of Islamic banks.
Digitalization of Islamic business: A narrative review Fitri , Mulyana; Sirait, Frida Yanti; Sugianto, Sugianto
Journal of Islamic Economics Lariba Vol. 9 No. 1 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss1.art15

Abstract

IntroductionDigitalization is an inevitable aspect of modern businesses. Without digitalization, businesses face challenges in the current era of Industry 4.0. However, studies regarding digitalization in Islamic or Sharia businesses are still limited.ObjectivesThis study intends to discuss digitalization in Islamic business, specifically in the Indonesian context. MethodThe method used in this study is a narrative review that analyzes literature related to Islamic business. A narrative review is used to provide a basic overview of the significance of digitalization in Islamic businesses.ResultsThe results show that digitalization can provide many benefits for businesses, including Islamic businesses. Islamic banks are one part of Islamic business, which is the first to digitize. Stakeholder support in Indonesia for the digitalization of Islamic businesses is adequate. ImplicationsIslamic businesses should begin digitalizing to maintain sustainability. Islamic business can emulate how Islamic banks have performed digitalization well.Originality/NoveltyThis study is unique in its analysis of the development of digitalization in Islamic businesses. This study is expected to spark further research in the field of Islamic business in Industry 4.0.
The impact of implementing Aceh Qanun No. 11 of 2018 concerning Sharia Financial Institutions on the management of sharia insurance institutions Simanjuntak, Indah; Sudiarti, Sri; Yanti, Nursantri
Journal of Islamic Economics Lariba Vol. 9 No. 1 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss1.art14

Abstract

IntroductionArticle 65 of Aceh Qanun No. 11 of 2018 concerning Sharia Financial Institutions regulates that financial institutions operating in Nagroe Aceh Darussalam are required to make adjustments no later than three years from the promulgation of the qanun. PT Asuransi Sinarmas Syariah Banda Aceh is one of the financial institutions that is transitioning from conventional to sharia as the implementation of this qanun.ObjectivesThis research aims to find out the impact of implementing this Qanun on PT Asuransi Sinarmas Syariah Banda Aceh. MethodThis qualitative research uses interviews, observation, and documentation for data collection. The data is then reduced, simplified and presented to draw conclusions.ResultsThe results of the research show that there were changes in the payment mechanism carried out by PT Asuransi Sinarmas Syariah Banda Aceh before and after the implementation of the qanun. Apart from that, the implementation of the qanun caused PT Asuransi Sinarmas Syariah Banda Aceh to experience a decline in business of up to 70% in the initial stages. However, subsequently, PT Asuransi Sinarmas Syariah Banda Aceh began to experience an increase in business. ImplicationsThe sharia insurance industry in Nanggroe Aceh Darussalam needs to provide education and information about the implementation of the sharia system for the wider community.Originality/NoveltyThis research is unique because it contributes to the analysis of the impact of sharia legislation on the sharia insurance industry.
The influence of religiosity, service, and premium rates on customer satisfaction through the sharia insurance decision as an intervening variable at Askrida Syariah Insurance Company Medan Branch Radianti, Ami; Rahmani, Nur Ahmadi Bi; Syarbaini, Ahmad Muhaisin B.
Journal of Islamic Economics Lariba Vol. 9 No. 1 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss1.art13

Abstract

IntroductionCustomer satisfaction is important aspect for an insurance company, including sharia, to succeed. For sharia insurance company many factors can lead to customer satisfaction including religiosity.ObjectivesThis research aims to analyze the influence of religiosity, service and premium rates on customer satisfaction with sharia insurance purchasing decisions as an intervening variable at the Askrida Syariah insurance company, Medan Branch. MethodThis research method is a path analysis method with a quantitative approach. The population in this study were customers who joined the Medan Branch of the Askrida Syariah Insurance Company. Samples were taken at random (random sampling) by distributing questionnaires to 100 respondents of Askrida Syariah insurance customers, Medan Branch, using the Slovin formula. The data collection method uses two approaches, namely the library approach and distributing questionnaires. The data analysis technique used in this approach is PLS with the SmartPLS program Version 3.2.8.ResultsThe research results show that religiosity and service have a positive and significant impact on customer satisfaction, while premium rates have a negative and insignificant impact. Religiosity and service have a negative and insignificant effect on customer satisfaction through sharia insurance decisions, while premium rates have a positive and significant effect. ImplicationsInsurance companies need to increase customer satisfaction, this can be done by building the concept of religiosity, especially sharia insurance, this is done to increase customer and prospective customer trust in the insurance program provided.Originality/NoveltyThis research contributes to the development of the sharia insurance business which prioritizes the dimensions of religiosity, service and premium rates.
Developing Islamic financial literacy in improving Islamic financial behavior towards the financial well-being of MSMEs: The moderating effect of e-payment usage Rohmania, Aftuqa Sholikatur; Sholihah, Erlinda; Nurhapsari, Risma
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art2

Abstract

IntroductionAs the country with the largest Muslim population in the world, Indonesia has the potential to develop the financial welfare of MSMEs as a driver of economic growth. However, studies on the financial well-being of MSMEs from an Islamic finance perspective are limited.ObjectivesThis study discusses the impact of Islamic financial literacy and Islamic financial behavior on the financial well-being of MSMEs, with e-payment usage as a moderating variable. MethodThis study used a quantitative approach with a sample of 200 culinary MSMEs in Semarang, Indonesia. Data collection was carried out using questionnaires, and data analysis was carried out using the partial least squares structural equation modelling technique.ResultsThe dimensions of Islamic financial literacy (Islamic financial knowledge, financial skills, and self-efficacy) have a significant positive effect on Islamic financial behavior. Islamic financial knowledge has no significant effect on financial well-being of MSMEs, whereas financial skills and self-efficacy have a significant positive effect. Islamic financial behavior has a significant positive effect on financial well-being of MSMEs. E-payment usage does not moderate the relationship between Islamic financial knowledge and financial skills towards Islamic financial behavior. ImplicationsThis study shows the importance of Islamic financial literacy and Islamic financial behavior to improving the financial welfare of MSMEs in Indonesia. The government and Islamic finance stakeholders in Indonesia need to continue to improve Islamic financial literacy and the Islamic financial behavior of society.Originality/NoveltyThis study contributes to the development of Islamic financial literacy and Islamic financial behavior as part of efforts to improve the financial welfare of MSMEs.
Financial risk mitigation of collateral-free kredit usaha rakyat mikro at Bank Syariah Indonesia KCP Ujung Berung 1 Gustini, Yasni; Amaliah, Ima; Hartono, Budi
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art5

Abstract

IntroductionBank Syariah Indonesia participates in disbursing kredit usaha rakyat (KUR) mikro with a maximum financing ceiling of Rp 100 million without requiring collateral. This is worth further investigation, especially from the perspective of financing risk mitigation.ObjectivesThis research aims to identify risk mitigation strategies to reduce the impact on non-performing financings from kredit usaha rakyat mikro.MethodThe study is located at Bank Syariah Indonesia KCP Ujung Berung 1 in the city of Bandung, using a qualitative descriptive method. Research data is processed using interview and documentation techniques.ResultsField findings indicate dynamic disbursement of KUR from January to April, totaling Rp 3.69 million. In April 2023, delinquent credits decreased by 0.5% from 6.6% in March 2023 to 6.1%. This is evidenced by the risk mitigation strategy used to address delinquent credits, which involves identifying customers who meet established criteria and conducting necessary checks, such as BI checking/SLIK, trade checking, and market checking. Additionally, the bank requires customers to obtain life insurance before applying for financing.ImplicationsThe research motivates Islamic bank management to reduce financial risk in financing to micro, small, and medium enterprises by improving their financial risk mitigation.Originality/NoveltyThis study can serve as a reference for banks to reduce the risk of non-performing financing by implementing credit risk mitigation strategies.
Implementation of digital marketing at the Grand Kutilang Syariah Hotel Bandar Lampung during the recovery period after the Covid-19 pandemic: A sharia business perspective Fauziyah, Asfiatul; Anggraeni, Erike; Hilal, Syamsul
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art3

Abstract

IntroductionPrevious studies have analyzed the application of digital marketing in the hotel industry during the Covid-19 pandemic. However, research on digital marketing in the context of the hotel industry with an Islamic approach is still limited.ObjectivesThis study discusses the implementation of digital marketing in a sharia hotel as response to the Covid-19 pandemic. MethodThis study used a qualitative approach with a case study at Grand Kutilang Syariah Hotel Bandar Lampung. Data collection was carried out using questionnaires, and data analysis was carried out using inductive technique.ResultsThe Grand Kutilang Sharia Hotel, as part of tourism and hospitality industry in Lampung Province, employed digital marketing strategies to maintain business continuity during and after the COVID-19 pandemic. The implementation of digital marketing in The Grand Kutilang Sharia Hotel during the Covid-19 pandemic, involves optimizing the use of social media platforms such as WhatsApp, Instagram, Facebook, Twitter, YouTube, and TikTok. This implementation aligns with Sharia business principles.ImplicationsThis study shows the importance of adopting technological advancement in sharia hotel industry. Sharia hotels should take advantage of technological developments to maintain their business.Originality/NoveltyThis study contributes to the literature regarding sharia hotel marketing strategies in facing the crisis.
Reciprocity and the values of maqasid sharia among Muslim transmigrant farmers from Java in strengthening agricultural economics Muharir, Muharir; Hanafi, Syafiq Mahmadah; Soehadha, Moh
Journal of Islamic Economics Lariba Vol. 11 No. 2 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss2.art9

Abstract

IntroductionThe transmigration phenomenon has created new communities in various regions of Indonesia, including the transmigrant Muslim farming community from Central Java in South Sumatra. Facing the social and economic challenges of their new location, these farmers not only utilize their agricultural skills but also develop unique social relationships, such as reciprocity. As Muslims, Islamic values play a crucial role in the lives of farmers, including how they conduct their economic activities. The Maqasid sharia (objectives of sharia) , which encompass the protection of religion ( din ), life ( nafs ), intellect ( aql ), descendants ( nasl ), and property ( mal ), serve as the moral foundation for agricultural activities and social life.ObjectivesThis study aims to examine how transmigrant Muslim farmers from Central Java apply the practice of reciprocity and the values of maqasid sharia in their daily lives, particularly in agriculture.MethodThis study uses a qualitative approach with a reciprocity approach and the values of maqasid sharia . Data collection was conducted through six months of fieldwork using participant observation and in-depth interviews . Interview ). Data analysis used three analysis models: domain analysis, componential analysis, and data analysis with triangulation. This is used to obtain the correct interpretation. Truth is the foundation that a researcher needs to understand.ResultsThe research results show that the practice of reciprocity is an important part of the social and economic life of transmigrant Muslim farmers from Central Java. Some of the most common forms of reciprocity include mutual assistance during planting and harvesting, sharing agricultural produce, and exchanging tools and labor. These methods not only enhance social solidarity but also serve as collective economic strategies to overcome limitations in capital and access to resources. Furthermore, farmers' economic actions and decisions have been indirectly influenced by the principles of maqasid sharia . Thrift, honesty in trade, and fair management of agricultural produce are examples of the value of safeguarding wealth ( hifz). al -mal). The focus on children's education and family welfare shows the principle of protecting the soul and offspring.ImplicationsThe maqasid sharia and reciprocity values helped empower transmigrant Muslim farmers from Java, whose implementation of reciprocity and maqasid sharia values led to improved agricultural economics. While reciprocity creates social solidarity that helps farmers, maqasid sharia ensures economic justice by providing fair distribution of profits and avoiding usury (riba).Originality/NoveltyThis study contributes to the growing literature on Islamic business practices by highlighting the strategies and ethical considerations unique to the Muslim fashion industry. It offers insights into how businesses can balance innovation and tradition to foster sustainable growth.
Sustainability analysis of the palm sugar industry in Hulu Sungai Tengah Regency: Perspectives on local economy, public policy, and labor law‎ Nurani, Muhammad Fahmi; Arabi, Ibnu; Anwary, Ahdie
Journal of Islamic Economics Lariba Vol. 11 No. 2 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss2.art8

Abstract

IntroductionThe palm sugar industry in Hulu Sungai Tengah, South Kalimantan, is a traditional sector that supports the local economy and provides employment in the informal workforce. Despite its cultural and economic significance, the industry faces serious challenges, including unstable raw material supply, limited innovation, weak market access, and the absence of legal protection for workers. These issues raise critical questions regarding the long-term sustainability of this local industry.ObjectivesThis study aims to analyze the sustainability of the palm sugar industry in Hulu Sungai Tengah from the perspectives of local economic development, public policy, and labor law, while also integrating insights from Islamic economics and finance to propose a holistic framework for industry revitalization.MethodThis research applies a qualitative descriptive-exploratory approach involving in-depth interviews, field observations, and document analysis. The participants consist of palm sugar artisans, policymakers, small and medium enterprise representatives, and local government officials. Data were examined using a triangulation technique to ensure validity, and the Triple Bottom Line framework guided the analysis.ResultsThe findings reveal that the palm sugar industry retains strong economic potential due to naturally growing sugar palms and established cultural practices. However, systemic challenges persist, including lack of planned cultivation, reliance on traditional processing methods, weak branding, and widespread informality in labor practices. Islamic finance mechanisms such as profit-and-loss sharing, as well as instruments like zakat and waqf, offer promising pathways to strengthen capital access, innovation, and social welfare within the sector.ImplicationsThe study highlights the need for integrated policies between local government, financial institutions, and community stakeholders. Practical recommendations include cultivating sugar palms systematically, introducing innovation and digital marketing, providing fair labor protection, and mobilizing Islamic social finance. These steps can enhance resilience, competitiveness, and sustainability in line with both national development priorities and Islamic economic principles.Originality/NoveltyThis study contributes a multidisciplinary perspective by linking local economic analysis, public policy, labor law, and Islamic finance in the context of a traditional industry. It offers a novel framework for understanding how ethical and Shariah-compliant economic instruments can support the sustainable transformation of rural industries, an area that has received limited scholarly attention in South Kalimantan.

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