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Sharia Economic and Management Business Journal (SEMBJ)
Published by Yayasan Darussalam Bengkulu
ISSN : 27742679     EISSN : 27742679     DOI : https://doi.org/10.62159/sembj.vxxx
Core Subject : Religion, Economy, Science, Education, Agriculture,
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Other
SEMB-J, sharia economic and management business journal is peer-reviewed journal published by Yayasan Darussalam Bengkulu. SEMB-J focus on the research of sharia economic and management business. The aim of this journal is to explore and develop economic management related to islamic and business. The focus of this journal is an effort to publish scientific works related to thoughts or studies in the field of sharia accounting and banking as well as actualizing and adding to the treasures of a better understanding of sharia accounting and banking through publishing articles and research reports. SEMB-J Journal of Sharia Economic and Management Business accepts original works which are the results of research, including: Accountancy; Sharia Accounting; Banking; Sharia Banking; Sharia Banking Information Systems; Sharia Banking Audit; Sharia Banking; Management; Sharia Banking Liquidity Management; Sharia Banking Ethics; Marketing Management of Sharia Banking; Finance; Sharia Finance; Cash Waqf;
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 176 Documents
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Neo-Sufistic Economic Empowerment: Reconstruction of the Islamic Economic Paradigm Through the Qadiriyyah Wa Naqsyabandiyyah Order of Berjan Purworejo Sahlan; Ahmad Rofiq; Mahsun
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2258

Abstract

This study examines the role of neo-Sufism in reconstructing the paradigm of Islamic economics through the economic empowerment practices of the Qadiriyyah wa Naqsyabandiyyah Order in Berjan Purworejo, Indonesia. Using a qualitative case-study approach, data were collected through in-depth interviews, participant observation, and documentation involving four imams, twenty badal tarekat, and fifty active members of the order. The findings reveal that spiritual practices within the congregation function not only as religious rituals but also as productive social forces shaping economic behavior, collective ethics, and community resilience. Żikr, tawakkal, ukhuwah, and barakah orientation were found to generate work discipline, trust-based economic relations, anti-consumerist attitudes, and solidarity-driven economic networks among members. The study further demonstrates that the congregation operates as a community-based economic ecosystem grounded in spiritual trust and moral commitment. This research formulates the Neo-Sufistic Economic Empowerment Theory, which positions spirituality as productive spiritual capital capable of strengthening economic resilience and communal empowerment. The study also critiques the contemporary Islamic economic paradigm for being overly formalistic, finance-oriented, and lacking spiritual dimensions, while proposing a more humanistic, solidarity-based, and transformative model of Islamic economic development.
The Impact of Employer Branding and Social Media on Employer of Choice on Islamic Bank in Attracting Generation Z in Indonesia Anwar Mattawappe; Ryan Saputra Alam; ⁠Salahuddin Alam; Abdul Awim
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2268

Abstract

Background: Islamic banks in Indonesia face challenges in attracting Generation Z talent despite being the largest Muslim-majority country with a growing Islamic banking industry. Generation Z has different characteristics from previous generations, and Islamic banks must compete with conventional banks and other industries for the best talent. This study examines the effect of employer branding dimensions and social media on employer of choice for Islamic banks among Generation Z in Indonesia. Method: This quantitative study surveyed 355 undergraduate Muslim students from both Islamic and general universities in East Java, Indonesia, representing Generation Z (born 1995–2010). Data were collected through online questionnaires distributed via Google Classroom. Structural Equation Modeling (SEM) with LISREL 8.80 was used to analyze the relationships between employer branding dimensions (work culture, ethics & CSR, salary, diversity), social media, person-organization fit, organizational attractiveness, and employer of choice. Results: The findings reveal that only two employer branding dimensions salary and ethics & CSR positively influence person-organization fit and organizational attractiveness. Social media significantly affects person-organization fit and organizational attractiveness but does not directly influence employer of choice. Work culture and diversity show no significant effects. Person-organization fit and organizational attractiveness positively influence employer of choice. Conclusion: Islamic banks should emphasize salary competitiveness and ethics & CSR communication while optimizing social media to build organizational attractiveness. However, social media alone is insufficient to convert attraction into application decisions. Islamic banks need comprehensive strategies beyond social media promotion to successfully attract Generation Z talent.
The Role of Social Media Algorithms in Improving Islamic Financial Literacy: A Systematic Literature Review Hafifuddin Hafifuddin; Ujang Sumarwan; Popy Novita Pasaribu
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2270

Abstract

Background: Indonesia is one of the countries with resident Muslim the largest in the world. According to 2025 data there are as many as 249.82 million soul residents who are Muslim and this equivalent with 87.14% of the total number Indonesian population with social media usage in 2026 will be 180 million people, which is equivalent to with 62.9% of the total population . With amount social media users as big as That so potential use of social media For development industry finance in Indonesia is very big and includes How increase literacy public to Islamic finance . Social media algorithms is technique or the process used social media companies For filter and analyze the displayed data to users in accordance with interactions , preferences , and information other with objective For increase interaction and engagement users with the platform. The main goal from study This is understand How method Work social media algorithms in literacy Islamic finance and what only what is necessary be noticed so that you can impact maximum to literacy Islamic finance Method: This study employed the systematic literature review approach in exploring the link that connects social media algorithms and Islamic Financial Literacy. The systematic literature review approach was carried out based on the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines. Articles were collected from several academic databases, including Scopus, ScienceDirect, and Google Scholar, using keywords such as algorithm, social media, and Islamic financial literacy . Results: In context literacy finance , algorithms ( such as on YouTube or TikTok platforms) can paired with content educative For reach specific audience . With​ phenomenon Filter Bubble & Echo Chamber Phenomenon algorithm Can strengthen narrative finance Islam in a way more Exclusive . Priority on Content Sensational can also be done Because algorithm often prioritize​ triggering content​ response emotional strong or which is of a nature sensational in order to increase engagement. However so also necessary made into attention about distribution misinformation. Without strict supervision , algorithm​ can speed up distribution information finances that are not accurate or investment illegal wrapped in with religious narrative Conclusion: The role of social media algorithms in increase literacy Islamic finance relies heavily on design ethical algorithms , transparency​ system recommendations , as well as ability authority religious and academic For produce content quality competitive height in the digital space . Without accompanied by with literacy powerful algorithmic​ from side users For filter information in a way critical , algorithm risky become tool manipulation eroding discourse​ authority science traditional and worsening inequality knowledge religious
Religiosity, Poverty, Health, and Education Effects on Islamic Human Development through Economic Growth in West Java Dede Nurwahidah; Mustofa Mustofa; Moh. Najib; Mohamad Anton Athoillah
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2275

Abstract

Background: This article analyzes the effects of religiosity, poverty, health, and education on the Islamic Human Development Index (I-HDI) in West Java during 2020-2024, with economic growth positioned as an intervening variable. Method: Using a quantitative descriptive-verificative design, the study employs secondary panel data from 21 regencies/cities over five years, resulting in 105 observations. Fixed Effect Model regression, path analysis, and the Sobel test were processed with EViews 10. Results: Religiosity and poverty have negative significant effects on I-HDI, with coefficients of -0.3421 (p=0.0002) and -0.5123 (p=0.0000). Health, education, and economic growth have positive significant effects, with coefficients of 0.6789, 0.3891, and 0.4123. Economic growth partially mediates health and education but does not mediate religiosity and poverty. The model explains 81.23 percent of I-HDI variation. Conclusion: West Java recovered economically, but maqasid-based human development remained low. In 2024, I-HDI reached 52.72, below conventional HDI of 74.92, indicating the need for moral-security strengthening, spatial poverty reduction, health protection, and education reform.
Moderating Effect of Religiosity on Islamic Green Banking Interest as a Supporting Factor for Sustainable Finance Fauzani; Anisah; Yeni Oktaviani
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2285

Abstract

Background: Sustainable finance has gained global attention, with ESG principles becoming increasingly important in the Islamic banking sector. However, public ESG literacy and bank reputation remain limited, influencing interest in Islamic green banking. This study analyzes the influence of ESG literacy and bank reputation on interest in Sharia green banking, with religiosity as a moderating variable. Method: This quantitative study employed a moderated regression analysis (MRA) using SPSS to test both direct and moderating effects. Data were collected through questionnaires distributed to 200 respondents selected via purposive sampling in Sarolangun Regency, with criteria of being at least 18 years old, aware of Islamic banks, and familiar with sustainability or green banking issues. Results: The findings indicate that ESG literacy and bank reputation have a positive and significant influence on interest in Sharia green banking, both partially and simultaneously. The t-test results show ESG literacy (t=2.283, p=0.023) and bank reputation (t=2.521, p=0.036) significantly affect interest. The F-test confirms joint significance (F=23.061, p=0.000). Religiosity was found to amplify the influence of both ESG literacy (p=0.021) and bank reputation (p=0.011) on interest. The adjusted R² value of 0.354 indicates that the independent variables explain 35.4% of the variation in interest. Conclusion: ESG literacy and bank reputation positively influence interest in Islamic green banking, with religiosity strengthening this relationship. These findings provide an empirical basis for strengthening Islamic banks' educational and reputational strategies to encourage public participation in a just and sustainable green economy.
Determinants of Consumer Satisfaction in Increasing Electric Car Purchase Decisions: The Role of Technology Adoption as a Moderating Variable in Jakarta Gibson Manalu; Slamet Riyadi; Sukesi; Bambang Raditya Purnomo
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2291

Abstract

Background: The electric vehicle (EV) market in Jakarta has grown rapidly, with BEV sales increasing significantly between 2020 and 2025. However, the factors influencing consumer satisfaction and purchase decisions remain unclear, particularly regarding service quality, product innovation, price, and technology adoption in the EV market context. Method: This study employed a quantitative approach with an explanatory research design. A total of 224 respondents were selected using purposive sampling from BEV users in Jakarta. Data were collected through structured online questionnaires consisting of 65 items. Data analysis was conducted using Moderated Regression Analysis (MRA) and the Sobel Test to examine mediation and moderation effectsare. Results: The findings reveal that service quality (β = 0.411; p = 0.000), product innovation (β = 0.280; p = 0.019), and price (β = 0.188; p = 0.048) have significant positive effects on consumer satisfaction. Furthermore, service quality (p = 0.035), product innovation (p = 0.049), and price (p = 0.000) significantly influence purchase decisions. Consumer satisfaction significantly mediates the relationship between service quality and purchase decisions (p = 0.029), as well as product innovation and purchase decisions (p = 0.090). Technology adoption was found to significantly moderate the relationships between service quality, product innovation, price, and purchase decisions (p < 0.05). The model demonstrated strong explanatory power with an Adjusted R² value of 0.617, indicating that 61.7% of the variance in purchase decisions is explained by the proposed model. Conclusion: The study concludes that service quality, product innovation, and price significantly influence consumer satisfaction and EV purchase decisions in Jakarta. Consumer satisfaction mediates these relationships, while technology adoption strengthens the influence of marketing factors on purchase decisions. The novelty of this study lies in the role of technology adoption as a moderating variable in the EV market context.
The Nexus Between Islamic Bank Financing for MSMEs, Financing Quality, and Regional Unemployment: Evidence from Indonesian Provinces Mutia Pamikatsih; Purwanto
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2313

Abstract

Background: As the stability of the labor market becomes a central pillar of regional economic resilience, the role of Islamic financial intermediation faces critical scrutiny. While Islamic banking aims to foster social welfare, the transmission gap between financing expansion and actual employment absorption remains a challenge. This study investigates the nexus between Islamic MSME financing, financing quality, and regional unemployment across 33 Indonesian provinces, evaluating whether the quality of intermediation (risk) or its quantity (volume) serves as the primary determinant for labor market outcomes. Method: Utilizing a balanced panel data set of 198 observations from 2020 to 2025, this research employs a quantitative approach. The analytical framework utilizes the Fixed Effect Model (FEM) with Robust Standard Errors (Huber-White sandwich estimators) to address heteroskedasticity and first-order autocorrelation. The model was validated through the Chow, Hausman, Modified Wald, and Wooldridge tests to ensure the robustness of the empirical findings. Results: The empirical results reveal that Non-Performing Financing (NPF) exerts a significant positive impact on the unemployment rate (p < 0.05), confirming that elevated credit risk triggers business failures and subsequent job losses. Conversely, MSME financing volume and liquidity ratios (FDR) exhibit no significant direct effect on unemployment reduction. Notably, economic growth (GRDP) remains the primary negative predictor of unemployment, reaffirming the validity of Okun’s Law in the regional context. Conclusion: This study concludes that the quality of Islamic banking intermediation is more critical than its quantity in addressing socio-economic challenges. Strengthening risk management and financing quality is essential to prevent a credit crunch that hinders labor absorption. Policy interventions should shift from purely growth-oriented strategies to risk-managed growth, ensuring that financing is directed toward labor-intensive sectors accompanied by robust business mentorship to safeguard regional employment stability.
Consumer Preference Model for Safe and Healthy Halal Culinary Zones in Indonesia: Integration of Functional Factors and Religious Values Nursantri; Chuzaimah Batubara; Muhammad Arif
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2332

Abstract

Background: The development of the halal industry in Indonesia reflects a shift in consumer behavior from merely emphasizing halal compliance toward broader considerations of safety and health. In response, the government introduced the Halal, Safe, and Healthy Culinary Zone (KHAS) to provide a standardized consumption environment. However, the KHAS concept has not been fully integrated into consumers’ daily preferences, creating the need to examine the factors influencing consumer preferences toward KHAS zones. Therefore, this study analyzes the effects of halal awareness, perceived safety, perceived health, and perceived price on consumer preferences, with religiosity as a moderating variable. Method: This study employed a quantitative approach with explanatory design. Data were collected through a survey of 255 urban Muslim respondents from generations X, Y, and Z in various regions of Indonesia that already have KHAS zones (Banda Aceh, Medan, Pekanbaru, Padang, Jakarta, Bandung, Yogyakarta, Semarang, and Samarinda). Data analysis utilized Structural Equation Modeling based on Partial Least Squares (PLS) using SmartPLS 4.0 software. Results: The results showed that halal awareness, health perception, and price perception had a positive and significant effect on consumer preferences in choosing KHAS zones. Conversely, safety perception was not found to have a significant effect on consumer preferences (p-value < 0.05). The model showed good goodness of fit with SRMR 0.061 and NFI 0.797. Conclusion: This study confirms that consumer preferences for the KHAS Zone are shaped by a combination of rational, psychological, and religious factors. The research model indicates that the halal consumption behavior of modern Muslim communities is no longer solely oriented toward normative compliance with product halal standards, but has evolved into a consumption pattern that takes into account health quality, convenience, economic value, and alignment with the principles of maqashid al-sharia
Fossil Fuel Subsidies in the Sustainable Urban Transport Agenda: A Maqaṣid al-Shari‘ah Approach Wempie Yuliane; Bayu Arie Fianto; Aam Slamet Rusydiana; Sulistya Rusgianto; Rheza Hermawan
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2338

Abstract

Background: Urban transport systems in many Muslim-majority countries face persistent challenges from rapid motorization, underinvestment in public transport, and long-standing fossil fuel subsidies. Although politically popular, these subsidies distort price signals, encourage excessive private vehicle use, and contribute to congestion, air pollution, public health risks, and limited fiscal space for sustainable mobility investments. Method: This qualitative conceptual study reviewed Islamic jurisprudence, Islamic ethics, fossil fuel subsidies, transport externalities, and sustainable urban transport. It applies maqasid al-shariah, maslahah, khilafah, and la darar wa la diror to evaluate fossil fuel subsidies and sustainable urban transport from an Islamic ethical policy perspective. Results: Fossil fuel subsidies are found to generate ethical and socio-policy concerns when they encourage excessive private vehicle use, intensify negative transport externalities, and constrain public transport investment. From an Islamic ethical perspective, these effects may undermine life, wealth, public welfare, and environmental stewardship, whereas sustainable urban transport reflects harm prevention, public interest, moderation, and responsible stewardship better. Research limitations: This conceptual-normative paper develops an Islamic ethical-policy framework. Future research should empirically validate it through city-level case studies, stakeholder interviews, and behavioral studies on sustainable mobility acceptance. Originality/value: This study frames sustainable urban transport as an Islamic ethical policy imperative when mobility-related harm threatens the public welfare. Its originality lies in applying maqasid al-shariah, maslahah, khilafah, and la darar wa la diror to reassess fossil fuel subsidies and support sustainable mobility transitions, thus offering an ethical basis for subsidy reform, public transport investment, and policy acceptance.
Algorithmic Governance, Market Inequality, and MSME Resilience in Indonesia’s Digital Platform Economy: A Qualitative Study Mohammad Nurul Ulin Nuha; Dana Azizah Rahmat; Muhammad Fajar Wahyudi Rahman
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.2371

Abstract

Background: Indonesia’s digital platform economy has expanded market access for micro, small, and medium enterprises (MSMEs), yet prior studies have not sufficiently examined how algorithmic opacity interacts with capital constraints to produce differential visibility outcomes for MSMEs. Purpose: This study explores how algorithmic governance shapes MSME fragility and resilience in Indonesia’s digital platform economy by examining visibility dependence, unequal platform literacy, capital-based exposure, and collaborative adaptation. Method: Using a qualitative exploratory case-study design, this study draws on semi-structured interviews with MSME owners/managers operating on major Indonesian e-commerce platforms. The data were analyzed through iterative thematic coding, constant comparison, and source triangulation across participant accounts and supporting contextual documents. Results: The findings reveal five major themes: algorithmic opacity as a source of visibility fragility, cognitive stratification in MSME adaptation, capital fragility and unequal platform exposure, collaboration as collective resilience, and the need for fair platform governance and inclusive digital policy. These findings indicate that MSME resilience is not determined merely by access to digital platforms, but by sellers’ capacity to interpret algorithmic signals, mobilize resources, participate in collaborative networks, and operate within transparent and accountable platform ecosystems. Conclusion: The study shows that MSME resilience is shaped not only by digital adoption but also by sellers’ capacity to interpret algorithmic signals, mobilize resources, and participate in collaborative networks. This study contributes by positioning cognitive stratification as an analytical lens explaining how unequal platform literacy mediates algorithmic governance and MSME vulnerability.

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