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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 Influence of Job Stress, Job Boredom, Organizational Climate, and Self-Control on Employee Cyberloafing Behavior: Study on Bank Syariah Indonesia Employees in Pangkalan Bun Nuranti, Lumintang Ayuning; Asyari, Mahfud
Journal of Business Management and Islamic Banking Vol. 4 No. 1 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0401-01

Abstract

Research Aims: This study aims to analyze the effects of job stress, job boredom, organizational climate, and self-control on employee cyberloafing behavior at Bank Syariah Indonesia (BSI) KCP Pangkalan Bun. Methodology: The research employs a total sampling method with 33 respondents. Data was gathered through questionnaires using a Likert scale and analyzed using SPSS version 30. Research Findings: The findings indicate that job boredom has a positive and significant effect on employee cyberloafing behavior. Meanwhile, job stress, organizational climate, and self-control do not show significant impacts on cyberloafing behavior. Theoretical Contribution: This research provides new insights into the factors affecting cyberloafing in the Islamic banking context, particularly in BSI KCP Pangkalan Bun. Research limitation and implication: The study's limitations include a small sample size and the focus on a single bank branch, suggesting future research should expand to other branches and industries.
The Role of Islamic Economics in Promoting Sustainable Economic Growth in Developing Countries : Systematic Literature Review (SLR) Bustami, Abiyajid; Maulidina, Rizky Awaliyah
Journal of Business Management and Islamic Banking Vol. 4 No. 1 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0401-04

Abstract

Research Aims: This study aims to identify, analyze, and synthesize findings from existing literature on the role of Islamic economics in promoting sustainable economic growth in developing countries. Methodology: Utilizing a Systematic Literature Review (SLR) approach, this study collects and evaluates data from scholarly books, journals, and academic research published between 2016 and 2024. The review follows a structured protocol, including clearly defined inclusion and exclusion criteria and rigorous study quality assessments. Research Findings: The results reveal that Islamic economics, particularly through sectors such as Islamic banking, sukuk, and the halal industry, significantly contributes to economic inclusivity, equitable wealth distribution, and environmental preservation. Originality: The  grand  theory  used  in  this  research the role of Islamic economics in supporting sustainable development in developing countries through economic inclusiveness and environmental preservation. Research limitation and implication: The limitation of this study lies in its reliance on literature without empirical data. Its implication specifically suggests that policymakers in developing countries should integrate Islamic economic principles such as profit-sharing, ethical investment, and environmental stewardship into national development strategies to achieve inclusive and sustainable growth.
Global Characteristics and Trend Research of Green Competencies: A Review from Bibliometrics Analysis Ardiansyah, Fillah Dwi; Pratama, Afif Dhia; Yusuf, Mochammad; Sodik, Fajar; Diantoro, Aris Kusumo
Journal of Business Management and Islamic Banking Vol. 4 No. 1 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0401-05

Abstract

Research Aims: The increasingly pressing issue of global sustainability has increased the need for mastery of green competencies as critical competencies in the fields of education, organization, and environmental governance. However, until now, there are still limitations in systematic studies that analyze the trends and characteristics of global research related to green competencies. This study aims to identify international research trends, key actors, dominant terminology, patterns of collaboration between institutions and across countries, and recent developments in the study of green competencies by applying bibliometric analysis. Methodology: This study employs bibliometric analysis, utilizing a dataset comprising 346 Scopus-indexed articles published between 2014 and 2024. The data were processed using VOSviewer and Biblioshiny software integrated with R Studio to generate visualizations, including co-authorship, co-citation, bibliographic coupling, and overlay network analyses. Research Findings: The findings show that publications on green competencies have increased significantly since 2015, with Sustainability Switzerland, Journal of Cleaner Production, and Business Strategy and The Environment being the most productive journals (Figure 2). Dominant keywords include "sustainability development" and "green competencies" (Table 2, Figure 3). Countries such as China and the United States dominate publication contributions (Figure 4, Table 3), while institutions in several Malaysian countries are the centers of research productivity (Table 4). Networks of co-citation and bibliographic coupling show limited global collaboration across institutions (Figure 8). Research limitations and implications: This research makes a significant contribution to mapping the epistemic landscape of green competencies and encourages the development of collaborative approaches across sectors. The findings are helpful for policymakers, academics, and educational practitioners in designing strategies to strengthen green competencies across various sectors.
Artificial Intelligence and Islamic Finance: Enhancing Sharia Compliance and Social Impact in Banking 4.0 Sain, Zohaib; Adinugraha, Hendri Hermawan
Journal of Business Management and Islamic Banking Vol. 4 No. 1 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0401-03

Abstract

Research Aims: This research explores consumers’ perspectives on adopting artificial intelligence (AI) in Asian countries, focusing on its role in the banking sector. Methodology: This quantitative research has distributed questionnaires to eleven Asian countries: Pakistan, China, Iran, Saudi Arabia, Indonesia, Malaysia, Bangladesh, Nepal, India, Afghanistan, and Thailand. The study received 550 usable responses, which provided valuable insights into consumer attitudes towards AI in banking. Research Findings:The findings revealed that several factors, including responsiveness, perception of AI, individual perspective, perceived value, and comprehension of AI technology, significantly and positively impact AI adoption plans in the banking sector. However, risk perception exhibited a negative yet considerable relationship with adoption intentions. Theoretical Contribution: This research is unique because it provides a better understanding of consumer perceptions of AI adoption in the banking sector in Asian countries. It offers a unique perspective on the strategic implications for banking management in leveraging AI technology for improved customer service and revenue generation, with a specific focus on the growing relevance of AI in Islamic finance. Research limitation and implication: These implications are essential for strategic decision-making in the banking industry. The findings highlight the importance of building consumer trust and confidence in digital technology, enabling banks to overcome risks and enhance customer satisfaction. For Islamic financial institutions, these insights can guide the integration of AI in ways that align with Sharia principles, such as ensuring transparency, ethical data use, and risk-sharing mechanisms. This will not only improve operational efficiency but also strengthen the appeal of Islamic banking to tech-savvy consumers.
Zakat and Islamic Bank Financial Performance: Do Third Party Funds Play an Important Role? Dariati, Anis; Mustika, Dama
Journal of Business Management and Islamic Banking Vol. 4 No. 1 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0401-02

Abstract

Research Aims: Using third-party money as a moderating variable, the study intends to investigate how zakat affects Indonesian Islamic banking performance Methodology: The research sample consisted of 16 Islamic banks selected using the total sampling method based on the availability of annual financial report data at the financial services authority using smartpls 3.0 and structural equation modeling, the data analysis method was executed. Research Findings: The findings demonstrate that zakat improves Islamic financial performance. This finding supports the theory that optimal zakat fund collection can increase customer trust in Islamic banks. In addition, third party funds strengthen the connection between financial achievement and zakat. This finding is also consistent with the premise that the allocation of third-party finances and funding is positively impacted by optimal zakat and growing public trust. Theoretical Contribution: By enhancing knowledge of the impact of zakat and the function of third-party funds in enhancing the financial performance of Islamic banks, this work makes a substantial theoretical contribution. Research limitation and implication: This study is limited to the sample and use of secondary data, which needs to be considered in interpreting the research findings. The implications of this study are useful for Islamic banks and further researchers to create more thorough research and more efficient tactics.
Determinants of Liquidity in Islamic Banking: A VECM Analysis of Bank Muamalat (2008–2024) Zaelina, Fitri; Sholekhah, Rohma
Journal of Business Management and Islamic Banking Vol. 4 No. 1 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0401-06

Abstract

Research Aims: This research aims to examine the impact of Third-Party Funds (DPK), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and inflation on the liquidity of Bank Muamalat over the period 2008–2024.   Design/methodology/approach: This research adopts a quantitative approach. The sample comprises quarterly financial reports of Bank Muamalat and inflation data from Bank Indonesia the period from 2008 to 2024, totaling 68 observations. The hypotheses were tested using the Vector Error Correction Model (VECM) with the aid of the EViews 12 software. Research Findings: The analysis shows that Third-Party Funds (DPK) consistently exert a positive and significant influence on the liquidity of Bank Muamalat in both the short and long term. This indicates that stable deposit growth is essential for maintaining and enhancing the bank’s liquidity position. Additionally, a strong Capital Adequacy Ratio (CAR) significantly contributes to liquidity by improving the bank’s risk management capacity and supporting sustainable growth and operational stability. Conversely, Non-Performing Financing (NPF) does not affect liquidity significantly in the short term, likely due to effective internal risk mitigation policies. However, in the long term, NPF has a positive impact on liquidity, suggesting that the bank’s strategic management of credit risk helps preserve liquidity despite rising non-performing assets.
Artificial Intelligence Adoption and Financial Stability under Geopolitical Pressure: Evidence from Indonesia’s Digital Banking Sector Prajasari, Anniza Citra
Journal of Business Management and Islamic Banking Vol.4 No.2 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0402-01

Abstract

Research Aims: This study investigates how Artificial Intelligence (AI) adoption and Geopolitical Risk Index (GPR) influence the financial stability of Indonesia’s digital banking sector, focusing on profitability (ROA) and credit risk (NPL). Design/methodology/approach: Using annual panel data from 2021–2024 and employing regression and scenario-based simulations to evaluates both structural effects and conditional responses to varying GPR levels. Research Findings: The findings reveal that higher AI adoption generally enhances profitability and reduces credit risk under low to moderate geopolitical risk. However, AI’s influence remains statistically insignificant, while GPR significantly decreases NPL, indicating conservative lending behaviorduring uncertainty. Operational efficiency and capital adequacy are identified as key internal factors influencing profitability. Theoretical Contribution/Originality: This study contributes to the understanding of digital banking resilience by integrating econometric and simulation techniques, providing policy insights that emphasize adaptive credit risk frameworks, AI-driven risk management, and capital buffer adjustments amid geopolitical volatility. Research limitation and implication: These findings imply that digital banks should prioritize strengthening operational efficiency and capital buffers, while leveraging AI adoption and GPR monitoring as supportive tools to mitigate potential pressures on profitability and credit quality. This research model can be recalibrated using GPR data to predict NPL spikes and ROA decline.
Analysis of Economic Factors Affecting the Financing of Bank Syariah Indonesia (BSI) in 2014–2024 Shoolihah, Muhayyijah Fil Qurbah; Setyono, Joko; Rahmawati, Mega
Journal of Business Management and Islamic Banking Vol.4 No.2 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0402-03

Abstract

Research Aims: This study aims to analyze the effect of macroeconomic variables on the total financing distributed by Bank Syariah Indonesia (BSI) during the period 2014–2024. The independent variables examined include the Statutory Reserve Requirement (GWM), Financing to Deposit Ratio (FDR), inflation, interest rates, and money supply. Design/methodology/approach: The research employs a quantitative approach with a descriptive-causal method and uses multiple linear regression analysis as the data analysis technique. The data are secondary in nature, obtained from BSI annual reports, official publications of Bank Indonesia, and the Central Bureau of Statistics. Research Findings: The findings indicate that inflation and GWM have a negative effect on total financing, while interest rates, money supply, and FDR have a positive effect. These results largely align with economic theory, although an anomaly is observed in the positive relationship between interest rates and financing, which theoretically should be negative. Theoretical Contribution/Originality: This study contributes to the understanding of the relationship between macroeconomic conditions and financing activities in Islamic banking, particularly highlighting the unique dynamics of Bank Syariah Indonesia within the Indonesian macroeconomic context. Research limitation and implication: The study is limited to the period 2014–2024 and focuses only on selected macroeconomic indicators. Future research could expand the scope by incorporating additional variables or employing different econometric models. The findings provide practical implications for policymakers and banking practitioners in formulating strategies to strengthen the resilience of Islamic banking amid macroeconomic fluctuations.
Customer Satisfaction as a Mediator of Experiential Marketing, Perceived Quality, and Perceived Value toward Customer Loyalty -, Pradita Nindya Aryandha; Catur Setyo Nugroho; Arif Sudaryana; Guruh Ghifar Zalzalah; Latifah Putranti
Journal of Business Management and Islamic Banking Vol.4 No.2 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0402-02

Abstract

Research Aims: This study aims to analyze the influence of experiential marketing, perceived quality, and perceived value on customer satisfaction and customer loyalty at ROS IN Hotel, as well as to examine the mediating role of customer satisfaction in strengthening the relationship between these factors and customer loyalty.   Design/methodology/approach: This study used a quantitative causal design to examine the influence of experiential marketing, perceived quality, and perceived value on customer loyalty, with customer satisfaction as a mediating variable. Data were collected from 40 customers of ROS IN Hotel Yogyakarta using a purposive sampling method and a structured questionnaire on a five-point Likert scale. The data were tested for validity and reliability, then analyzed using path analysis.   Research Findings: The results show that only perceived value significantly influences customer loyalty, both directly and through customer satisfaction, while experiential marketing and perceived quality have no significant effects. This indicates that post-pandemic hotel customers prioritize functional value (price, convenience, safety) over emotional experiences or perceived service quality, with customer satisfaction acting as a key mediator.   Theoretical Contribution/Originality: This study identifies perceived value as the key driver of customer loyalty in the post-pandemic hospitality sector, showing that customers prioritize functional benefits over experiential or perceived quality, with customer satisfaction as a mediator. Research limitation and implication: This study, limited to customers of ROS IN Hotel Yogyakarta, implies that increasing perceived value is crucial for building satisfaction and loyalty, while enriching the theoretical understanding of post-pandemic customer behavior.                                            
An Analysis of Factors Influencing Customer Satisfaction in Sharia Insurance: A Systematic Literature Review Rusda, Dina; Handoko, Luqman Hakim
Journal of Business Management and Islamic Banking Vol.4 No.2 (2025)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2025.0402-04

Abstract

Research: This investigation seeks to survey the existing body of literature concerning customer satisfaction within the Sharia insurance sector, to delineate the principal factors that shape customer contentment, and to construct a conceptual framework predicated upon these pivotal determinants. Design/methodology/approach: The study employs a Systematic Literature Review (SLR) methodology, integrated with a descriptive qualitative approach, following the PRISMA protocol. Data were procured from Google Scholar, utilizing the Publish or Perish software, with the search terms “kepuasan nasabah asuransi syariah” and “Sharia Insurance Customer Satisfaction.” An initial corpus of 41 articles was rigorously screened, culminating in a final selection of 11 seminal papers. A thorough content analysis was subsequently performed to identify, categorize, and interpret the collated research findings. Research Findings: The review revealed a fluctuation in publication output between 2020 and 2025, peaking in 2023 with the issuance of five articles. The analysis identified five predominant factors that materially affect customer satisfaction: service quality, premium rates, brand image, Sharia-compliant marketing, and product quality. Theoretical Contribution/Originality: This research furnishes a systematic overview specifically centered on customer satisfaction in Sharia insurance, thereby addressing a significant lacuna in the literature that has hitherto remained underexplored in a comprehensive manner using the SLR method. Research limitation and implication: The scope of this inquiry is confined to 11 articles indexed in Google Scholar published between 2020 and 2025. Notwithstanding this limitation, the findings provide a foundational reference for subsequent academic research and offer salient practical implications for Sharia insurance enterprises aiming to enhance customer satisfaction through the fortification of service quality, premium structures, brand reputation, ethical marketing strategies, and product offerings.

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