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Fajar Sodik
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Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta Jl. Laksda Adisucipto, Papringan, Caturtunggal, Depok, Sleman, DI Yogyakarta 55281, Indonesia
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Journal of Business Management and Islamic Banking
Published by Universitas Islam Negeri Sunan Kalijaga Yogyakarta
ISSN : ""     EISSN : 29642787     DOI : 10.14421/jbmib
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education
Journal of Business Management and Islamic Banking (JBMIB) is an international journal which is published by the Department of Islamic Banking, Faculty of Islamic Economics and Business, State Islamic University (UIN) Sunan Kalijaga. This journal is designed to provide a forum for researchers/academicians and also practitioners who are interested in knowledge and in discussing ideas, issues, and challenges in the field of Islamic economics and business, Islamic finance, Islamic banking, management human resources and marketing management. In addition, this journal can contribute to solve the problem of the ummah, gap between theory and practice, etc.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "vol.5 no.1 (2026)" : 6 Documents clear
Digital Enablement Under Care Constraints: Determinants of Women-Led Enterprises in Indonesia Axellina Muara Setyanti; Silvi Asna Prestianawati; Andi Tri Setiawan; Muhammad Fawwaz; Muhammad Fansurullah Harsa
Journal of Business Management and Islamic Banking Vol.5 No.1 (2026)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.0501-02

Abstract

Purpose—This study examines the determinants of digital enablement among women-led enterprises in Indonesia, focusing on the roles of care responsibilities, household structure, and human capital. It seeks to understand how domestic constraints and socio-economic characteristics influence women entrepreneurs’ participation in digitally mediated economic activities. Design/methodology/approach—The analysis uses nationally representative cross-sectional microdata from the 2024 National Socioeconomic Survey (SUSENAS). Digital enterprise participation is defined as the use of digital tools to sell goods or services. A binary logistic regression model is employed to estimate the determinants of digital participation, complemented by rural–urban subgroup analysis to capture spatial heterogeneity. Findings—Childcare responsibilities are positively associated with digital participation, particularly in rural areas, suggesting that digital enterprise functions as a flexible response to care constraints. In contrast, a larger household size reduces the likelihood of digital engagement, reflecting cumulative domestic pressures. Education significantly increases digital participation, with stronger effects in urban contexts. Handphone ownership emerges as the strongest predictor across all models, highlighting the importance of digital access. Household-head status shows differing effects between rural and urban areas, indicating that intra-household authority interacts with local economic environments. Research implication/limitation—This study enriches the literature on digital entrepreneurship and gendered labor markets by integrating household dynamics, care responsibilities, and spatial inequality into the analysis of digital participation. Originality/value—The cross-sectional nature of SUSENAS limits causal inference. Nonetheless, the findings highlight the need for gender-responsive and place-sensitive digital inclusion policies to support women entrepreneurs.
The Role of Islamic Ethical Consideration in Shaping Artificial Intelligence Usage Behavior in Higher Education Satrio Tegar Sadewo; Abdul Aziz Baihaqi; Aditya Kumala Dewi
Journal of Business Management and Islamic Banking Vol.5 No.1 (2026)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.0501-01

Abstract

Purpose—This study aims to examine the effects of perceived usefulness, perceived ease of use, and Islamic Ethical Consideration on ChatGPT usage behavior among Muslim university students in Indonesia. Design/methodology/approach—A quantitative survey was conducted with 259 respondents and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to test both direct and indirect relationships within an extended Technology Acceptance Model. Findings—The findings indicate that perceived usefulness significantly increases usage behavior (β = 0.241, p < 0.001). Perceived ease of use does not directly influence usage behavior (β = 0.065, p = 0.180) but shows a significant indirect effect through perceived usefulness (β = 0.119, p < 0.001). Islamic Ethical Consideration has a significant negative effect on usage behavior (β = −0.176, p = 0.006). Research implication/limitation—This study is limited by its cross-sectional design and sample concentration, and it implies the need for ethically grounded AI guidance in higher education and broader future research. Theoretical Contribution/Originality—This study extends TAM by showing that ChatGPT usage among Muslim students is shaped not only by functional perceptions but also by Islamic ethical considerations.
Leadership Perspective: Strategic HRM And Knowledge Management Capacity To Improve Organizational Innovation In The Islamic  Banking Sector Satria Avianda; Pipit Sundari; Tettie Setiyarti; Anis Malik Thoha
Journal of Business Management and Islamic Banking Vol.5 No.1 (2026)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2026.0501-06

Abstract

Purpose—This study analyses the role of Strategic Human Resource Management (Strategic HRM) and Knowledge Management Capacity in enhancing Organizational Innovation and improving organizational performance in the Islamic banking industry. Increasing competition requires Islamic banks to strengthen strategic human resource management and knowledge capabilities to sustain performance and competitiveness. Design/methodology/approach—This study employs a quantitative approach using Structural Equation Modelling with Partial Least Squares (SEM-PLS). Data were collected through structured questionnaires from 360 employees of Islamic banks in Central Java and analysed using SmartPLS. Findings—The results indicate that Strategic HRM has a positive and significant effect on Knowledge Management Capacity (β = 0.668; p < 0.001) and Organizational Innovation (β = 0.339; p < 0.001). Knowledge Management Capacity also significantly influences Organizational Innovation (β = 0.571; p < 0.001). Furthermore, Organizational Innovation significantly affects organizational performance (β = 0.593; p < 0.001). These findings suggest that effective strategic HR practices enhance knowledge capabilities and stimulate innovation within organizations. Originality/value—This study contributes to the literature by integrating Strategic HRM, Knowledge Management Capacity, and Organizational Innovation within the context of Islamic banking, providing empirical evidence on how these factors interact to improve organizational performance. Research implication/limitation—The study focuses on Islamic banks in Central Java, which may limit generalization to other regions or sectors. Future research may include broader samples and additional organizational factors.
Exploring the Impact of Financial Risk on Firm Value: The Moderating Effect of Profitability in Islamic Banking Indri Iswardhani; Mahesh Luthia; Rostina; Sri Astuti Nasir; Nur Fadilah Ayu Sandira
Journal of Business Management and Islamic Banking Vol.5 No.1 (2026)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.0501-03

Abstract

Purpose—This study aims to examine the impact of financial risks such as market risk (NIM), liquidity risk (CR), and financing risk (NPF) on firm value (PBV) in Islamic banking, with profitability (ROA) as a moderating variable. Design/methodology/approach—This study performs Moderated Regression Analysis to analyze the interaction effects of financial risks on firm value, considering Return on Assets as a moderator. The research covers data from 2018 to 2025, focusing on Islamic banks. Findings—Results indicate that NIM, when moderated by ROA, has a significant positive impact on PBV, suggesting that profitability plays a key role in enhancing firm value. However, CR and NPF, when moderated by ROA, do not show a significant impact on PBV. The inclusion of ROA modestly increases the model’s ability to explain the variation, with NIM being the most significant predictor of firm value. Research implication/limitation—The study contributes to a better understanding of how profitability interacts with financial risks in Islamic banking, highlighting the role of market risk in firm value and the moderating effect of ROA on the relationship between risk factors and firm value. Originality/value—This study is limited by its focus on Islamic banks within a specific context and the use of selected financial risk proxies, which may limit the applicability of the findings. The results imply that Islamic banks should prioritize improving profitability and market risk management to improve firm value.
Cognitive Roots of Customer Engagement: Sentiment-Driven Decision Dynamics in Social Media Marketing of Indonesian SMEs Zia Ul Rehman Zafar; Ahmad Hassan; Ahad Sultan; Khasif Ali Abdul Wahid Alias
Journal of Business Management and Islamic Banking Vol.5 No.1 (2026)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2026.0501-04

Abstract

Purpose—This study addresses the growing disconnect between high social media engagement and actionable decision-making outcomes among Indonesian SMEs. While firms generate large volumes of interaction data, they often lack the analytical frameworks to interpret customer behavior.  Design/methodology/approach—To address this issue, the study proposes a cognitive-behavioral model integrating natural language processing (NLP)-based sentiment analysis with engagement metrics.  Findings—Using a dataset of 195,513 social media interactions, regression results indicate that sentiment significantly influences engagement (β = 0.43, p < 0.01), while engagement strongly predicts decision outcomes (β = 0.51, p < 0.01). Mediation analysis confirms that engagement partially transmits the effect of sentiment (indirect effect = 0.22).  Research implication/limitation—The findings demonstrate that sentiment-driven engagement serves as a critical mechanism linking digital interactions to behavioral outcomes, offering a data-driven foundation for adaptive marketing strategies in SMEs. Originality/value—The novelty lies in conceptualizing engagement as an observable decision-making process rooted in cognitive sentiment dynamics.
Maqasid Al Shariah Framework for Cybersecurity Risk Management and Data Protection in Global Islamic Banking Bintang Junita; Muhammad Senoyodha Brennaf; Dicky Octaviano; Zulfati Dinul Fatiha
Journal of Business Management and Islamic Banking Vol.5 No.1 (2026)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2026.0501-05

Abstract

Purpose— This study investigates the influence of cybersecurity risk management and data protection governance on Islamic Financial Institutions (IFIs) through the lens of Maqasid Al Shariah. As IFIs accelerate digitalisation, safeguarding the ummah's financial and personal data has become both a Shariah imperative and a strategic priority. Variables examined include regulatory framework maturity, Shariah governance integration, incident management capacity, data protection mechanisms, and AI governance across five major jurisdictions. Design/methodology/approach— A qualitative comparative analysis (QCA) is employed across Malaysia, the UAE, Saudi Arabia, Indonesia, and the United Kingdom. Secondary data encompass regulatory publications (2019–2024), IFI annual reports, IFSB GN 6 (2021) standards, and global cybersecurity incident databases from IBM, IMF, and Interpol. Findings— Significant jurisdictional heterogeneity in cybersecurity maturity is revealed. Malaysia (Maqasid Alignment Score/MAS: 4.4) and the UK (MAS: 4.0) exhibit the strongest Maqasid alignment, while Indonesia (MAS: 3.1) and Saudi Arabia (MAS: 3.5) show emerging profiles. A critical universal gap is identified: no jurisdiction formally mandates Shariah Supervisory Board (SSB) engagement in technology risk governance. Research implication/limitation—The analysis is confined to five jurisdictions and qualitative comparative data. Future studies should apply quantitative methods and extend to additional markets. Results offer actionable guidance for regulators, Shariah boards, and IFI management in formulating cybersecurity strategies aligned with Islamic ethical obligations. Originality/value—This study constructs the first systematic Maqasid cybersecurity mapping matrix applicable to global IFIs, bridging classical Islamic jurisprudence and contemporary digital governance scholarship, and explicitly compared with established secular frameworks National Institute of Standards and Technology Cybersecurity Framework (NIST CSF) 2.0, ISO/IEC 27001:2022, and Control Objectives for Information and Related Technologies (COBIT) 2019.

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