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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 50 Documents
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The Nexus between Intellectual Capital and Islamic Bank Performance in Indonesia Dian Juliani; M. Arsyadi Ridha
Journal of Business Management and Islamic Banking Vol. 3 No. 1 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v3i1.2202

Abstract

Research Aims: This research aims to investigate the impact of intellectual capital on the performance of Islamic Banking in Indonesia. Design/methodology/approach: The population in this research is islamic banking, type of islamic commercial banks. A purposive sampling method is used in the research. This research employs secondary data in the form of annual islamic commercial banking reports from 2017 to 2022. Multiple regression analysis was utilized. The statistical tool used to analyse the research data is eviews 12. Research Findings: This research shows that human capital efficiency and capital employed efficiency have a positive and significant effect on return on assets. Meanwhile, structural capital efficiency has a negative and significant effect on return on assets. Theoretical Contribution/Originality: This research has not been examined much because it tests the direct influence of intellectual capital efficiency using the variables human capital efficiency, structural capital efficiency, and capital employed efficiency on the performance of Islamic banking in Indonesia. Research limitation and implication: This article provides insight into Islamic banking and indicates that investing in intellectual capital has a major impact on islamic banking's the ability to generate profits. This study only examines some instances of Islamic banking in Indonesia. For further research can use islamic banking in ASEAN countries.
The Role of Human Resources in The Development of Islamic Banking in Indonesia Caniago, Muhammad Ali Imran; Joko Setyono; Harahap, Lukman Hakim
Journal of Business Management and Islamic Banking Vol. 3 No. 1 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v3i1.2339

Abstract

Research Aims: The purpose of this study is to investigate the impact of human resources' (HR) competence and education level on the Return on Asset (ROA). Design/methodology/approach: The competency indicator is measured by the budget allocated for employee training and education, while the education level indicator is gauged by the number of employees who earned a college degree. The sample for this research is eight Islamic commercial banks in Indonesia for the 2018-2022 period using panel data regression analysis with the help of E-views 10. Research Findings: The findings indicate that competency did not have a significant impact on Return on Assets (ROA) while the level of education had a significant positive effect on ROA. Simultaneously Competency and Education Level have a significant effect on Return on Assets (ROA). The competency variable and level of education can influence the ROA variable by up to 40%, while other unexamined variables have an impact of around 60%. Research limitation and implication: The study's results suggest that Islamic banking should increase the proportion of college graduates among its employees as their ratio has a significant positive impact on Return on Assets (ROA). Additionally, the company should focus on employee training and education tailored to their needs in order to improve financial performance.
Equity-Based vs Debt-Based Financing: Which One is More Profitable for Islamic Banks in Indonesia? Al-Banna, Hasan; Putri, Amila Zamzabila; Arifin, Andika Luthfi; Sudah, Moh.
Journal of Business Management and Islamic Banking Vol. 3 No. 1 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v3i1.2341

Abstract

Purpose : The debt-based syndrome is mushrooming across the Islamic Banks worldwide. However, in Indonesia equity-based financing has significant increase in the las several years. Thus, the study aims to examine whether debt-based financing or equity-based financing is more profitable in Indonesia Islamic Banks. Methodology : Fixed effect model (FEM) is used to measure the panel data. For robustness test LSDV is used. Findings : The result revealed that debt-based financing has negative significant influence on the profitability of Islamic Banks (ROA and ROE), while equity-based financing has positive significant influence on profitability of Islamic Banks (ROA and ROE). Moreover, the results are robust. Originality : Present paper attempt to capture the actual conditions of Islamic Banks in Indonesia through the samples used. As the best of author knowledge, this is the first paper which compare between debt-based and equity-based on the profitability of Islamic banks in Indonesia. Research Implications : This research provides some practical contributions for policymaker to boost equity-based financing in dual banking system.
The Role Foreign Direct Invesment, Financial Development and Institutions Quality of Economic Growth Empirical Evidence From WANA Countries Muhammad Ahsanul Amal; Muhammad Ghafur Wibowo
Journal of Business Management and Islamic Banking Vol. 3 No. 2 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v3i1.2343

Abstract

Research Aims: The study investigates the impact of foreign direct investment, financial development, and institution quality on economic growth in nations located in western Asia and North Africa Methodology: This study methodology employs a panel data regression model using a fixed effect model (FEM) strategy. The study data is collected using the information that was available between the years 2000 and 2022. The WANA nations include Saudi Arabia, Iran, Israel, Jordan, Kuwait, Lebanon, Morocco, Egypt, Oman, Qatar, Tunisia, and the United Arab Emirates. Research Findings: The findings indicated that foreign direct investment (FDI), financial development (FD), and intellectual quotient (IQ) had an impact on economic growth. Specifically, foreign direct investment (FDI) has a beneficial and statistically substantial impact on economic development, but the quality of institutions has an adverse and statistically substantial impact on economic growth. However, financial development does not affect economic growth. Originality: The grand theory used in this research Economic Growth, Foreign Direct Investment, Institutions Quality, Financial Development, and Export and population growth variables are controlled. variables in this study by testing three variables consisting of independent variables, dependent variables and control variables. Research limitation and implication: The findings in this study suggest that policies implemented by governments, public institutions and academics aimed at increasing FDI, FD, and institutional quality can help improve economic growth in WANA countries.
The Future of Digital Finance: The Impact of Cryptocurrency and Blockchain on Digital Securities in Indonesia and Gen Z's Adoption Potential Muhammad Sifaudin; Nur Ayiyah
Journal of Business Management and Islamic Banking Vol. 3 No. 1 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v3i1.2345

Abstract

Research Aims: This study aims to examine the intention of the young generation in Indonesia to adopt cryptocurrency and blockchain instruments in Digital Securities. Methodology: This study adopts a Mixed Methods (Sequential Explanatory Design) approach. This method begins with the collection of quantitative data in the first stage, followed by the collection of qualitative data in the second stage. Research Findings: This disclosure emphasizes public trust in the ability of the Financial Services Authority (OJK) and the Central Bank (BI) to launch and regulate blockchain regulations in the digital capital market. Theoretical Contribution: The results of the study revealed that the involvement of facilitation, institutional trust and technological trust have a significant effect on Gen-Z's intention to use digital securities in Indonesia. Research limitation and implication: The existence of maximum literacy facilities and consultations provided can increase public trust in the authorities providing digital exchange to continue to develop technological innovation optimally.
Company Attractiveness, Corporate Reputation, and Recruitment Websites as Determinants of Job Application Intentions (Case Study of Islamic Banking Study Program Students) Tri Puji Astuti
Journal of Business Management and Islamic Banking Vol. 3 No. 2 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v3i1.2346

Abstract

Research Aims: The research aims to examine and analyze the influence of company attractiveness, company reputation and recruitment website on job application intentions in the sharia banking industry. Methodology: The respondents were sharia banking students in Yogyakarta, with a sampling technique using purposive sampling with a total sample of 145 respondents. The analysis tool used is WarpPLS 7.0. Research Findings: The results of the research show that company attractiveness has a positive and significant effect on intention to apply, company reputation and recruitment website do not have a significant effect on intention to apply for work and recruitment websites are proven to be able to moderate the influence of company attractiveness and company reputation on job application intentions. Theoretical Contribution: The research findings  identify the factors that serve as strengths, making them attractive to potential applicants based on the Theory of Reasoned Action. Research limitation and implication: Islamic banks in Indonesia should pay closer attention to company attractiveness, particularly regarding the value that potential employees will gain. Similarly, regarding corporate reputation, Islamic banks must continue to maintain their well-established reputation among employees and the surrounding community.
Financial Technology Innovation in Modernizing Zakat Payment in the Digital Era Alief, Abdullah; Ibi Satibi
Journal of Business Management and Islamic Banking Vol. 3 No. 2 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v3i1.2351

Abstract

Research Aims: To explore how the use of fintech in zakat payment is viewed from both Islamic jurisprudential and historical perspectives. Methodology: Library research is used as the primary data collection method. Research Findings: The research concludes that the use of financial technology for zakat payments is an innovative and flexible solution grounded in ijtihad (independent legal reasoning) within Islamic jurisprudence and The use of fintech in zakat payment is a form of technology fiqh (Islamic jurisprudence related to technology) that provides functional benefits in the context of zakat. Theoretical Contribution: Research finding the discourse on Islamic jurisprudence by highlighting how financial technology can be integrated into zakat payment systems, offering a new approach to Islamic financial practices. Research limitation and implication: The use of fintech can significantly streamline zakat payments, making the process more accessible and efficient for Muslims in Indonesia.
Building Resilient Financial Performance: a Case Study of Indonesian Islamic Banks in The Perspective of SDGs Asy-syihab, Moch. Nauval; Rafiuddin, Muhammad; Ashari, Nesha Rizky; S. Kau, Najwa Nainawa
Journal of Business Management and Islamic Banking Vol. 3 No. 2 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v3i1.2370

Abstract

Research Aims: This study examines the impact of financial indicators—Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Operating Expenses to Operating Income (BOPO)—on the Return on Assets (ROA) of Indonesian Islamic banks, aiming to contribute to SDG 8 by enhancing understanding of financial performance factors. Methodology: A quantitative approach is applied using secondary data from Indonesia's Financial Services Authority (OJK) covering 2018–2022. Multiple linear regression analysis identifies significant factors influencing ROA. Research Findings: The study finds that NPF, FDR, CAR, and BOPO all significantly affect ROA. Specifically, while NPF has a positive but insignificant impact, FDR, CAR, and BOPO exhibit negative and significant effects on ROA, suggesting that Islamic banks should focus on credit quality, capital adequacy, and operational efficiency. Theoretical Contribution: This research provides novel insights by exploring the financial ratios' influence on ROA within Indonesian Islamic banks, contributing to the limited literature in this specific area and offering implications for the sector's sustainability in line with SDG 8. Research limitation and implication: The study is limited to secondary data from nine banks over five years. Future research could expand to more banks or explore other performance measures. The findings offer practical implications for improving the financial stability and growth strategies of Islamic banks.
Halal Certification and Implications for MSMEs: A Systematic Literature Review M. Topit Hidayat; Sri Rahma Witta
Journal of Business Management and Islamic Banking Vol. 3 No. 2 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.v3i1.2373

Abstract

Research Aims: This study explores the role of halal certification in fostering business growth within the Micro, Small, and Medium Enterprises (MSMEs) sector. Addressing a gap in the literature on the impact of halal certification on MSME performance, it examines its influence on competitiveness, profitability, and market expansion. Methodology: The research employs a Systematic Literature Review (SLR) methodology, gathering relevant articles published between 2019 to 2024 from the Google Scholar database. The PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) model is utilized to guide the collected studies’ identification, selection, and filtration processes. Research Findings: The findings indicate that halal certification significantly supports MSME operations and enhances product continuity. Consumers are more likely to purchase halal-certified MSME products, positively impacting revenue and sales growth. However, price remains a dominant factor in consumer purchasing decisions, even though halal certification is crucial for meeting Muslim consumer standards. Theoretical Contribution: This study contributes to the literature by shifting the focus from large corporations to MSMEs. It emphasizes halal certification’s economic and operational implications, highlighting its role in attracting Muslim consumers, enhancing market confidence, and fostering MSME growth and sustainability in the global halal market. Research Limitation and Implication: The research is limited to Google Scholar studies within a specific timeframe, possibly excluding relevant findings from other sources. It emphasizes the importance of integrating halal certification into MSME strategies to meet sharia standards, enhance market performance, and provide valuable insights for policymakers and halal industry practitioners.
The Influence of Income, Company Reputation, and Waiting Lists for Hajj on The Interest of Generation Z in Saving for Hajj Deposits in Islamic Banks. Misbakhul Munir; Saibil, Defi Insani; Dery Alfian Saputra
Journal of Business Management and Islamic Banking Vol. 3 No. 2 (2024)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2024.0302-06

Abstract

Research Aims: The study aims to explore the influence of income, company reputation, and waiting lists for hajj on the interest of Generation Z in saving for hajj deposits in Islamic banks. Methodology: This research employs a quantitative descriptive methodology, using regression analysis tools and the SPSS 24 software. A total of 128 respondents from Cirebon Regency were surveyed to gather relevant data. Research Findings: The findings reveal that each independent variable, including income, company reputation, and waiting lists, significantly influences the dependent variable, with the highest impact attributed to company reputation. This demonstrates that a positive image of the bank plays a crucial role in attracting potential customers. Theoretical Contribution: This study contributes to the existing literature by highlighting the key factors influencing Generation Z's motivation to save for hajj in Islamic banks, specifically emphasizing the importance of company reputation in this context. Research limitation and implication: The study is limited to the Cirebon Regency and may not be generalizable to other regions. Future research could expand the demographic scope and examine additional factors that influence saving behaviors among different populations. The findings imply that banks should strive to maintain a positive reputation to effectively attract and retain customers, alongside considering other relevant factors in product marketing.

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