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Fakultas Bisnis dan Ekonomi Islam UINSI Samarinda Kampus II. Jl. HAM. Rifaddin, Kecamatan Loajanan Ilir, Samarinda, Kalimantan Timur
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Borneo Islamic Finance and Economics Journal (BIFEJ)
Published by Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda
ISSN : 27983161     EISSN : 27979318     DOI : https://doi.org/10.21093/bifej
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Borneo Islamic Finance and Economics Journal encompasses research articles, original research report, reviews, and scientific commentaries in the field of Islamic Finance and Economics, including: Islamic Economics, Islamic Business, Islamic banking, Islamic capital markets, Islamic wealth management, Issues on shariah implementation/practices of Islamic banking, Zakat and awqaf, Takaful, Islamic Corporate Finance, Shariah-compliant risk management, Islamic derivatives, Issues of Shari`ah Supervisory Boards, Islamic business ethics, Islamic Accounting, Islamic Auditing, Halal Lifestyle, Islamic Fintech.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 74 Documents
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The Influence of Financial Technology and Sharia Compliance on Consumer Trust (A Study on Students of the Faculty of Economics and Business, Mulawarman University, Users of Quick Response Code Indonesian Standard Mobile Banking by Bank Syariah Indonesia) Putri, Noor Armalia; Purwanti, Purwanti; Fitriah, Rinna Ramadhan Ain; Adawiyah, Rabiatul
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 5, NO.1, Juni 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v5i1.11243

Abstract

This research was conducted by Noor Armalia Putri with the title "The Influence of Financial Technology Innovation and Halal Aspects on Consumer Trust (Study on Students of the Faculty of Economics and Business, Mulawarman University, Users of Quick Response Code Indonesian Standard Mobile Banking by Bank Syariah Indonesia)" under the guidance of Purwanti. This research aims to determine the influence of financial technology innovation and halal aspects on consumer trust among students at the Faculty of Economics and Business, Mulawarman University who use QRIS Mobile Banking by Bank Syariah Indonesia. The method used in this research is a quantitative approach. The population in this study was active students of the Faculty of Economics and Business, Mulawarman University, with a total sample of 97 respondents selected through purposive sampling. Data collection was carried out through questionnaires distributed via Google Forms on the WhatsApp application. Data analysis techniques included validity tests, reliability tests, ordinal logistic regression analysis, overall model fit tests, goodness of fit tests, Nagelkerke R Square, and Wald tests (partial t-tests). The results of this research indicate that both financial technology innovation and halal aspects have a positive and significant influence on consumer trust. This shows that students who benefit from technological convenience and believe in the halal integrity of the system tend to have higher trust in QRIS services by Bank Syariah Indonesia.. Keywords: Financial Technology Innovation, Halal Aspects, Consumer Trust
Local Economic Sustainability in the Energy Transition Era: A Study of the Buffer Zones of the Indonesian Capital Ismail, Muhammad Wahyu; Darmawati, Darmawati; Qardlawi, Muhammad Yusuf
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 5, NO.1, Juni 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v5i1.11792

Abstract

This study aims to examine local economic adaptation, best practices, and policy recommendations in the context of the energy transition in Sepaku District, a buffer zone for the Indonesian Capital City (IKN). Using an exploratory qualitative approach, data were collected through in-depth interviews, participant observation, and documentation of local policies. Analysis was conducted using thematic coding techniques, source triangulation, and contextual analysis of the relationship between energy policies and community economic practices. The results https://www.adenomyosisadviceassociation.org/hysterectomy indicate that local economic adaptation to the energy transition remains limited, with minimal business diversification and the lack of utilization of renewable energy by MSMEs and Village-Owned Enterprises (BUMDes). Emerging best practices are sporadic and community-based, such as organic farming, waste recycling, and customary forest conservation. This study recommends strengthening village institutions, incentivizing green MSMEs, integrating energy policies into village planning, and increasing energy literacy and community participation. These findings emphasize the importance of a locally-based approach in supporting economic sustainability amidst the national energy transition agenda. Keywords: Sustainability, Local Economy, Green Energy, Indonesian Capital
The Effect Of Halal Label, Islamic Branding And Product Quality On The Decision To Purchase Pepsodent Siwak By Students Of State Islamic University Of Sultan Aji Muhammad Idris Samarinda Al Hasrajun; Moh Mahrus; Nur Rahmatullah
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 5, NO.2, Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v0i0.11925

Abstract

The increasing awareness of halal lifestyle among Indonesian consumers has led to a growing demand for halal-certified personal care products. This phenomenon sparked the researcher’s interest in examining the factors that influence consumer behavior in this segment. This study analyzes the influence of Halal Labels, Islamic Branding, and Product Quality on the Purchase Decision of Pepsodent Siwak among students of UIN Sultan Aji Muhammad Idris Samarinda. Using a quantitative approach with multiple linear regression, the research involved 100 respondents from the 2020–2023 cohorts selected through simple random sampling. Data were collected via questionnaires and supporting literature, and analyzed using SPSS 26 through instrument testing, classical assumption testing, and hypothesis testing. The results indicate that the Halal Label does not have a significant effect on purchase decisions (sig. 0.334 > 0.10), while Islamic Branding (sig. 0.04 < 0.10) and Product Quality (sig. 0.00 < 0.10) have a significant partial effect. Simultaneously, the three variables have a significant effect (F-value 78.546, sig. 0.00 < 0.10) with an R² value of 0.697, meaning that 69.7% of the variation in purchase decisions is explained by the model.
Regulation Of Cryptocurrency In Indonesia: An Integrative Approach Between Positive Law And Islamic Law For Risk Mitigation Ahmad Azim Aufaq; Bakhrul Huda
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 5, NO.2, Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v0i0.11929

Abstract

Cryptocurrency in Indonesia faces complex regulatory challenges, given its legal status as a digital asset but its illegality as a means of payment. This legal uncertainty is exacerbated by the incompatibility of cryptocurrency practices with Sharia principles, particularly due to elements of gharar (uncertainty) and maysir (gambling), which are prohibited in Islamic law. This study aims to examine cryptocurrency regulation through an approach that integrates positive law and Islamic law, while formulating a risk mitigation model to ensure compliance with both legal systems. Employing normative legal methods and a juridical-philosophical approach, this research identifies the existing legal dualism and proposes the "Hybrid Regulatory Compliance" model, which integrates the legal certainty principles of positive law with the maslahah (public interest) of Islamic law. This approach is expected to create a more ethical and stable cryptocurrency ecosystem, thereby enhancing the trust of Muslim investors in Indonesia. The developed model also offers practical solutions for regulators and stakeholders to harmonize cryptocurrency regulations with Sharia principles comprehensively.
Implementation of the Village Zakat Index in the Moncongloe Lappara Village Community, Moncongloe District, Maros Regency Ummy Aisyah Arsyad; Rahman Ambo Masse; Trisno Wardy Putra
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 5, NO.2, Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v5i2.11953

Abstract

This Study aims to determine the priority scale regarding the eligibility of Moncongloe Lappara village to receive zakat funds. This study uses a mixed method research approach, which combines qualitative and quantitative methods. Quantitative data was obtained through IDZ measurements based on five main dimensions: economy, education, health, social, and da'wah, while qualitative data was collected through in-depth interviews and direct observation of the social conditions of the community.The IDZ calculation results obtained by the researcher in Moncongloe Lappara Village were 0.57, which is classified as “fairly good.” The details of each dimension index are as follows: the economic dimension scored 0.38. The health dimension scored 0.67, the education dimension scored 0.75, the social dimension scored 0.60, and the da'wah dimension scored 0.54. This shows that Moncongloe Lappara Village can be considered or has the opportunity to receive assistance from zakat funds, especially to improve the welfare of villagers in terms of economy. The main program recommendations prioritized for implementation in the Moncongloe Lappara Village community are the establishment of an integrated creative industry community, the provision of a flea market, the provision of a sharia cooperative or other types of financial institutions, assistance, and financing for MSMEs.
Sharia Entrepreneurship based on Tourism: a Study of Coastal Area Economic Development in Tanjung Sampang Village Sugianto Sugianto; Safira Adibatul Faruq; Rudy Haryanto; Fadllan Fadllan; Basar Dikuraisyin
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 5, NO.2, Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v5i2.12115

Abstract

The Sea Pick tradition in Tanjung Village, Sampang, is an annual ritual steeped in social, religious, and cultural values. Over time, this tradition has undergone changes, incorporating entertainment elements such as musical performances, decorated boat races, and food bazaars, while maintaining its sacred values ”‹”‹and core rituals. These changes aim to attract tourists while also increasing public understanding of the importance of preserving traditions. The impact of this transformation is evident economically, with coastal communities gaining new business opportunities through fish sales, culinary specialties, and transportation services, thus contributing to the tradition's role in supporting a sustainable local economy. Socially and culturally, Sea Pick strengthens community identity, fosters solidarity among residents, and fosters cultural education for the younger generation. However, some traditional leaders are concerned about the erosion of sacred values ”‹”‹due to the dominance of entertainment. This study emphasizes that Sea Pick can serve as a model for integrating cultural preservation, economic development, and social education in coastal communities..
Islamic Human Capital Management and Compensation as Drivers of Employee Productivity: Insights from a Small Service Enterprise in Indonesia Ahmad Syarif; Bisma Maulana
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 5, NO.2, Desember 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v0i0.12573

Abstract

The disparity in employee productivity among organizations within the same industry has necessitated advancements in human resource management. Consequently, Islamic Human Capital management emerges as a practical approach to enhance staff productivity. This research, conducted at Istana Laundry Samarinda, aims to provide insights into how Islamic Human Capital management and remuneration influence staff productivity, offering valuable guidance for HR strategies. The study employed quantitative methodologies with a sample of 65 employees. A Likert-scale questionnaire was used as the instrument. Multiple linear regression analysis was utilized as one of the analytical strategies. The findings suggest that Islamic Human Capital management enhances employee productivity, whereas remuneration does not. Based on these results, it is recommended that Istana Laundry improve its Islamic Human Capital management and evaluate its compensation system to boost employee productivity.
Digital Platforms and the Marginalization of MSMEs: An Islamic Economic Law Perspective in Parepare City Sofyan Ahmad; Zainal Said; Hannani Hannani
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 6, NO.1, Juni 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v0i0.13271

Abstract

Research on MSMEs and the digital economy generally focuses on digital marketing strategies and the validity of contracts in electronic transactions, while studies on the marginalization of MSMEs due to the structure and policies of digital platforms are still relatively limited. This study aims to analyze the marginalization mechanisms of Micro, Small, and Medium Enterprises (MSMEs) in the digital platform ecosystem and examine this phenomenon from the perspective of Islamic Economic Law. The study was conducted in Parepare City, South Sulawesi, using a descriptive qualitative research method with a field study approach. Data were obtained through in-depth interviews, observation, and documentation of nine MSMEs consisting of Culinary Businesses, Local Craft Businesses, Muslim Fashion Businesses, printing businesses, mixed shops, fried food businesses, Sultan Snacks, laundry, and graduation sash businesses. Data analysis was carried out through the stages of data reduction, data presentation, and drawing conclusions. The results show that digital platforms provide benefits in the form of expanded market access, increased consumer reach, and ease of transactions. However, on the other hand, marginalization mechanisms were found, characterized by dependence on platform algorithms, high service and promotion costs, the dominance of large-capital businesses, unequal price competition, and a lack of transparency in platform policies. From the perspective of Islamic Economic Law, this situation does not fully reflect the principles of justice (al-'adl), balance (tawazun), and public welfare (maqasid sharia). Furthermore, there are indications of elements of gharar (unlawful behavior) due to unclear algorithms and platform policies, which have the potential to harm MSMEs. Therefore, more transparent, accountable digital regulations are needed that support the protection and empowerment of MSMEs. Keywords: MSMEs, Digital Platforms, Economic Marginalization, Islamic Economic Law, Fiqh Muamalah, Maqasid Sharia
Analysis of Inhibiting Factors in the Micro Business Credit Financing Process and Implications for Customer Business Sustainability at Bank Syariah Indonesia Mukomuko Branch Office Ayu Retno Trianingsih; Idwal B; Esti Alfiah
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 6, NO.1, Juni 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v0i0.13282

Abstract

This study aims to determine and analyze the implementation process of Sharia People's Business Credit (KUR Syariah) distribution, identify inhibiting factors in the financing process, and analyze the implications of these obstacles on the business sustainability of customers at Bank Syariah Indonesia (BSI) KCP Mukomuko. The research method used is qualitative with a descriptive approach. Data were collected through in-depth interviews with five informants consisting of the Micro Business Manager (MBS) and Retail Sales Executive (RSE), as well as through observation and documentation. The results showed that the distribution process of KUR Syariah at BSI KCP Mukomuko is carried out through stages of application, OJK SLIK file verification, field survey (On The Spot), 5C feasibility analysis (Character, Capacity, Capital, Collateral, Condition), to the signing of the murabahah contract. The main inhibiting factors found include internal factors in the form of technical and geographical constraints, as well as external factors such as the unreadiness of customer administrative documents and the low quality of the character or capacity of prospective debtors. The implications of these financing process obstacles impact delays in receiving capital which cause customers to lose business momentum; however, in general, successfully distributed financing provides positive implications for increasing turnover, adding assets, and expanding market reach for MSMEs in Mukomuko Regency. Keywords: KUR Syariah, Inhibiting Factors, Business Sustainability, BSI KCP Mukomuko.
Concentration of Wealth and Economic Inequality from the Perspective of Maqāṣid al-SyarÄ«”˜ah: A Case Study of Sidrap Regency Nurul Asia; Zainal Said; Hannani Hannani
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 6, NO.1, Juni 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v0i0.13288

Abstract

This study aims to analyze the concentration of wealth and the inequality of economic distribution in Sidenreng Rappang Regency and examine the role of sharia economic principles in realizing economic justice based on the maqāṣid al-syarÄ«”˜ah framework. This study uses a qualitative method with a field research approach. Data were obtained through in-depth interviews with seven informants consisting of academics, community leaders, business actors, and zakat institution managers, supported by observation and documentation. Data analysis was conducted using the interactive model of Miles and Huberman which includes data reduction, data presentation, and conclusion drawing/verification. The results of the study indicate that the inequality of economic distribution in Sidenreng Rappang Regency is influenced by the concentration of capital ownership, limited economic access for small communities, weak distribution of business opportunities, and the dominance of certain groups in controlling economic resources. These conditions cause the distribution of wealth to not be fair and equitableFrom the perspective of the maqāṣid al-syarÄ«”˜ah (Islamic principles), this phenomenon does not fully reflect the principles of distributive justice and social welfare because there are still obstacles in fulfilling the economic welfare of society in an inclusive manner. This study also found that Islamic economic instruments, such as zakat, infaq, sadaqah, waqf, and strengthening Islamic micro-enterprises, have strategic potential in reducing economic inequality. However, their implementation still faces various obstacles, particularly the dominance of consumptive distribution patterns and the suboptimal empowerment of the productive economy. Theoretically, this study expands the study of Islamic economics by placing the maqāṣid al-syarÄ«”˜ah as an analytical framework to evaluate the phenomenon of wealth concentration and economic inequality at the local level. Unlike previous studies that generally focused on the effectiveness of zakat, infaq, sadaqah, and waqf instruments, this study shows that wealth distribution also needs to be analyzed from the aspect of the structure of control of economic resources and the level of achievement of distributive justice in society. The novelty of this research lies in the integration of the perspectives of economic dominance and maqāṣid al-syarÄ«”˜ah in explaining the relationship between wealth concentration, community economic access, and the achievement of social welfare in the local economic context of Sidenreng Rappang Regency. Keywords: Distribution of wealth, sharia economics, Sidenreng Rappang district, economic inequality, maqāṣid al-syarÄ«”˜ah.

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