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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 191 Documents
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The Role of Financial Behavior, Financial Literacy, and Retirement Planning in Enhancing Lecturers' Financial Well-Being Sunarmi Sunarmi; M. Yusuf S. Barusman; Andala R.P Barusman; Defrizal Defrizal; Yenny Marthalena
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.v7i1.2528

Abstract

Background: Financial well-being among lecturers in private higher education institutions has become an important concern, particularly in developing countries where many lecturers receive relatively low salaries despite carrying substantial academic responsibilities. Financial well-being is essential not only for individual quality of life but also for maintaining productivity, job satisfaction, and institutional performance. However, empirical evidence regarding the determinants of financial well-being among private university lecturers remains limited. This study aims to examine the influence of financial literacy, financial behavior, retirement planning, and income on the financial well-being of lecturers in private higher education institutions. Methods: This study employed a quantitative research design using a cross-sectional survey approach. Data were collected from 310 lecturers working at private higher education institutions through an online questionnaire distributed via Google Forms. The measurement instruments were adapted from established scales in the financial well-being literature. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate the measurement model and test the proposed structural relationships among variables. Results: The findings reveal that income is the strongest predictor of lecturers’ financial well-being (β = 0.543), followed by financial literacy (β = 0.442) and financial behavior (β = 0.264). The results indicate that lecturers with higher income levels, better financial knowledge, and healthier financial management practices tend to experience greater financial well-being. These findings highlight the importance of both economic resources and financial capability in shaping individual financial outcomes. Conclusion: The study concludes that improving lecturers’ financial well-being requires a multidimensional approach involving income enhancement, financial literacy development, and the promotion of positive financial behavior. Policymakers, higher education institutions, and relevant stakeholders should collaborate to provide financial education programs, retirement planning support, and policies aimed at improving lecturers’ economic conditions. Such initiatives can contribute to achieving sustainable financial well-being and improving the overall quality of academic life among private university lecturers.
Qur'anic Wealth Management (At-Tamwil) and Digital Waqf Transformation in Indonesia: A Systematic Literature Review Widya Khaidir; Nurul Muyasaroh; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
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.v7i1.2556

Abstract

Background: As Islamic financial technology (fintech) continues to expand rapidly, the digitalization of waqf presents a strategic opportunity that is both timely and urgent. However, much of the existing scholarship has concentrated narrowly on jurisprudential rulings and technical feasibility, leaving the deeper normative foundations of the Qur'an as a source of Islamic wealth stewardship largely unexplored. Method: This study aims to examine the Qur'anic concept of wealth management (at-tamwīl) through thematic exegesis (maudhū'ī tafsir), and to develop a framework that integrates these principles with digital waqf innovation in Indonesia. A qualitative descriptive design was employed, combining thematic Qur'anic interpretation as its primary approach with a Systematic Literature Review (SLR) following the PRISMA protocol. Results: The study identifies five core at-tamwīl principles derived from the Qur'an: istikhlaf (trusteeship and accountability), tanmiyah wa tazkiyah (growth and purification), tawazun wa 'adl (balance and distributive justice), tasylif wa bayyinah (clarity and evidentiary transparency), and maqashidiyyah (public welfare orientation). These principles are integrated into the "Digital At-Tamwil" model a conceptual framework that positions technologies such as blockchain, smart contracts, waqf crowdfunding, and data analytics as instruments for operationalizing Qur'anic values within digital waqf governance, rather than as replacements for Islamic ethical standards. The study further identifies ethical risks inherent to digitalization, including materialistic reductionism, digital exclusion among underserved communities, and the erosion of interpersonal bonds between donors (waqif), managers (nazhir), and beneficiaries (mustahiq). Conclusion: This research affirms that sustainable digital waqf transformation demands a strong normative grounding in Qur'anic teachings, not merely technological modernization. The Digital At-Tamwil model offers a novel contribution by bridging sacred scripture, Indonesia's contemporary socio-economic realities, and the digital ecosystem positioning waqf as a resilient instrument of sustainable development while preserving its spiritual essence.
Islamic Consumption in the Digital Era: A Conceptual Analysis of the Qur’an, Hadith, DSN-MUI Fatwas, and Its Implications for Muslim Consumer Behavior Shohwatul Islamiah; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
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.v7i1.2561

Abstract

Background: This article examines Islamic consumption as articulated in the Qur'an, hadith, scholarly thought, and DSN-MUI fatwas, and assesses its implications for Muslim consumer behavior in the digital era. Digital consumption has widened access to halal products while creating new risks, including impulsive purchasing, manipulative promotion, incomplete product information, digital payment instruments, buy-now-pay-later services, live shopping, and unverified halal claims. Method: The study employs a qualitative library-research design with normative, thematic, and content-analytical approaches. Primary sources comprise relevant Qur'anic verses, hadith, and DSN-MUI Fatwa No. 146/DSN-MUI/XII/2021 on Online Shops Based on Sharia Principles. Secondary sources include scholarly articles, regulations, and official reports published since 2020. Results: The analysis identifies five foundations of Islamic consumption: halal, thayyib, balance, maslahah, and transactional justice. In digital markets, these principles require consumers to assess not only halal certification but also contractual transparency, seller credibility, payment mechanisms, data security, consumer reviews, and the social consequences of purchasing decisions. Conclusion: The article develops a maqashid sharia-based framework that treats digital consumption as an economic activity governed by moral and spiritual responsibility.
Analysis of Inflation Dynamics and Economic Growth in Post-Pandemic Indonesia: An Islamic Economics Perspective M. Hidayat; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
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.v7i1.2570

Abstract

Background: This study aims to analyze the dynamics of inflation and economic growth in Indonesia during the post-pandemic period (2019–2024) by integrating conventional macroeconomic and Islamic economic perspectives. Method: The research employs a quantitative approach using regression and descriptive analysis based on secondary time-series data obtained from Bank Indonesia, BPS, the World Bank, and the IMF. The variables analyzed include inflation, economic growth, money supply, interest rates, government expenditure, tax revenue, exchange rates, and stock market indices. Results: The results indicate that the relationship between inflation and economic growth is complex and non-linear. Moderate inflation is found to stimulate economic growth, particularly during the post-pandemic recovery phase, whereas high inflation tends to hinder growth in the long run. Additionally, the growth of money supply has a significant impact on inflation, which in turn negatively affects economic growth, reflecting a trade-off between monetary expansion and economic stability. Conclusion: The findings also show that maintaining inflation stability within the range of 2–3% is crucial for sustaining economic growth. From an Islamic economic perspective, inflation control is not only aimed at maintaining macroeconomic stability but also at achieving distributive justice and social welfare in line with the principles of maqashid al-shariah. Therefore, optimal economic policy should integrate economic efficiency with the values of justice and balance to create a sustainable economic system.
Developing Responsible Tourist Behavior Through Smart Tourism Technology, Cultural Authenticity, and Memorable Tourism Experiences: Evidence From Bali I Gusti Made Riko Hendrajana; I Made Sudjana; Firlie Lanovia Amir
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.v7i2.2698

Abstract

Background: The increasing demand for sustainable tourism has highlighted the importance of encouraging responsible tourist behavior while enhancing visitor experiences. This study investigates the effects of Smart Tourism Technology (STT) and Cultural Authenticity (CA) on Responsible Tourist Behavior (RTB), with Memorable Tourism Experience (MTE) serving as a mediating variable. Grounded in the Stimulus–Organism–Response (S-O-R) theory, the study proposes that smart tourism technology and cultural authenticity function as external stimuli that shape tourists' memorable experiences and subsequently influence their behavioral responses. Method: A quantitative explanatory research design was employed, and data were collected from 372 domestic and international tourists who had visited Bali within the previous twelve months. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Results: The findings reveal that Smart Tourism Technology and Cultural Authenticity significantly enhance Memorable Tourism Experience. Furthermore, Smart Tourism Technology, Cultural Authenticity, and Memorable Tourism Experience positively influence Responsible Tourist Behavior. The mediation analysis confirms that Memorable Tourism Experience significantly mediates the relationship between Smart Tourism Technology and Responsible Tourist Behavior, as well as between Cultural Authenticity and Responsible Tourist Behavior. These findings support the application of S-O-R theory in sustainable tourism research and demonstrate that integrating smart tourism technologies with authentic cultural experiences can foster responsible tourist behavior. Conclusion: The study provides theoretical contributions to tourism behavior literature and practical implications for destination managers seeking to promote sustainable tourism development in Bali.
Sustainable Human Resource Management and Employee Retention: Understanding the Mediating Mechanisms of Organizational Commitment and Job Satisfaction Zaidan Nawawi; Telly Pauline Ulviana Siwi; Dasmadi Dasmadi
Sharia Economic and Management Business Journal (SEMBJ) Vol. 6 No. 3 (2025): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v6i3.2844

Abstract

Employee retention has become a strategic challenge for organizations seeking to maintain competitiveness in an increasingly dynamic and sustainability-oriented business environment. Sustainable Human Resource Management (SHRM) has emerged as a critical approach that integrates economic, social, and employee well-being objectives to enhance long-term organizational performance. This study examines the effect of SHRM on employee retention by investigating the mediating roles of organizational commitment and job satisfaction. A quantitative research design was employed using a cross-sectional survey of employees from various organizations. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess both direct and indirect relationships among the proposed constructs. The findings indicate that SHRM has a significant positive effect on organizational commitment, job satisfaction, and employee retention. Furthermore, organizational commitment and job satisfaction significantly mediate the relationship between SHRM and employee retention, suggesting that sustainable HR practices strengthen employees' emotional attachment and satisfaction, which subsequently increase their intention to remain with the organization. These results extend the Sustainable Human Resource Management literature by providing empirical evidence of the psychological mechanisms linking sustainable HR practices to employee retention. The study offers practical implications for managers by emphasizing the importance of implementing sustainable HR policies that foster a supportive work environment, enhance employee well-being, and cultivate long-term organizational commitment to reduce turnover and improve organizational sustainability.
An Analysis of POAC Management Functions in Local Agro-Industry in Mandailing Natal: An Islamic Managerial Ethics Perspective Muhammad Ardiansyah; Rizka Ar Rahmah
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 3 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i3.2365

Abstract

Background: Agro-industry plays a strategic role in local economic development through value addition, employment creation, and income distribution. However, managerial capacity at the enterprise level remains a critical yet underexplored factor in sustaining these contributions, particularly in rural Muslim-majority regions. Research Gap: While the POAC (Planning, Organizing, Actuating, Controlling) framework is widely applied in management studies, limited empirical research examines its implementation within rural agro-industrial enterprises. Moreover, existing Islamic business ethics scholarship has largely focused on individual entrepreneurial values rather than how those values shape or substitute for managerial systems at the organizational level. Novelty: This study offers a novel contribution by integrating the POAC framework with Islamic managerial ethics (amanah, adl, tawazun, hisbah, israf) to examine how managerial functions operate in a rural rice milling enterprise, advancing the concept of "ethically embedded POAC" where Islamic values substitute for formal systems at micro-scale. Method: Using a single-case qualitative design, data were collected through in-depth interviews with the owner-manager and workers, direct observation, and document review. Analysis proceeded in two coding cycles: thematic coding aligned with POAC functions, followed by interpretive coding against Islamic ethical constructs derived from maqashid al-shariah. Results: All POAC components are present but operate informally and centrally. Planning is seasonal and intuitive; organizing relies on relational coordination; actuating is participatory; controlling remains reactive. Islamic values are enacted personally: amanah legitimizes authority without contract, adl secures fairness without written entitlement, while hisbah operates only as self-accounting and israf remains unmeasured. Conclusion: Managerial integration is embedded in the owner's tacit knowledge rather than institutionalized procedures. The study reframes formalization as an ethical requirement for organizational durability, proposing a graduated institutionalization pathway beginning with loss measurement.
When Does Technology Acceptance Translate into Purchase Intention? The Moderating Role of Trust in Indonesian Fashion E-Commerce Iskandarsyah Madjid; Ichsan Akmal Mazas; Muhammad Iqbal Fajri; Zikrul Rahmatillah; Fakhrurrazi Amir
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 3 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i3.2639

Abstract

Background: The rapid growth of fashion e-commerce in Indonesia has increased the importance of understanding the factors that encourage consumers' online purchase intentions. Although the Technology Acceptance Model (TAM) has consistently explained technology adoption, the extent to which technology acceptance translates into purchase intention remains unclear, particularly for high-uncertainty products such as fashion. Research Gap: While previous studies have examined the influence of perceived usefulness, perceived ease of use, and trust on purchase intention in various e-commerce contexts, limited research has positioned trust as a moderating variable that conditions the relationship between technology acceptance and purchase intention, especially in Indonesian fashion e-commerce. The distinction between web quality and web credibility as separate evaluative pathways remains underexplored. Novelty: This study offers a novel contribution by proposing a Conditional Technology Acceptance Model that tests trust as a boundary condition moderating the relationships between perceived usefulness, perceived ease of use, and purchase intention. It also distinguishes web quality as a cognitive pathway forming TAM beliefs and web credibility as an assurance pathway building trust, providing conceptual advancement beyond the additive TAM approach. Method: This study employed a quantitative explanatory approach with a cross-sectional design. Data were collected from 111 Indonesian consumers who had purchased fashion products through e-commerce platforms using purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. Results: The findings reveal that web quality significantly influences perceived ease of use (β = 0.526) and perceived usefulness (β = 0.437), while web credibility significantly enhances trust (β = 0.450). Perceived ease of use (β = 0.355), perceived usefulness (β = 0.187), and trust (β = 0.257) each have positive and significant effects on purchase intention. However, trust does not significantly moderate the relationships between perceived usefulness, perceived ease of use, and purchase intention. Conclusion: Purchase intention in Indonesian fashion e-commerce is primarily driven by technology acceptance and trust as direct determinants rather than by the moderating effect of trust. Improving website quality and credibility is essential for strengthening consumers' purchase intentions and enhancing digital shopping experiences.
The Influence of Buzzer Content Quality and Content Credibility on Purchase Decision: The Mediating Role of Brand Trust among Culinary MSMEs in South Jakarta Wiwit Damayanti; Indri Astuti; Kunto Atmojo; Nurwulan Kusuma Devi; Haspul Naser
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 3 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i3.2709

Abstract

Background: The rapid expansion of digital communication has encouraged culinary micro, small, and medium enterprises (MSMEs) to increasingly rely on buzzer-generated promotional content to attract consumers and strengthen their market presence. Although previous studies have acknowledged the importance of digital content in shaping consumer behavior, limited attention has been given to how the quality and credibility of buzzer-generated content jointly influence purchase decisions through the development of brand trust, particularly in the culinary MSME sector. Methods: This study employed a quantitative research approach to examine the relationships among buzzer content quality, content credibility, brand trust, and purchase decisions. Data were collected from 98 consumers of culinary MSMEs in South Jakarta using a structured questionnaire. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 to evaluate both the measurement and structural models. Results: The findings indicate that both buzzer content quality and content credibility have positive and significant effects on brand trust and consumers' purchase decisions. Brand trust demonstrated the strongest direct effect on purchase decisions and partially mediated the relationships between buzzer content quality, content credibility, and purchase decisions. Furthermore, the structural model exhibited satisfactory explanatory power, confirming that the proposed framework effectively explains consumer purchasing behavior in the culinary MSME context. Conclusion: This study extends the application of Information Quality Theory to buzzer marketing by demonstrating that content quality and credibility work together to strengthen brand trust and ultimately enhance consumers' purchase decisions. The findings suggest that culinary MSMEs should prioritize the development of trustworthy, informative, and high-quality buzzer-generated content to reinforce consumer confidence and improve the effectiveness of their digital marketing strategies.
Strategic Management Practices in Islamic Boarding Schools: A Systematic Literature Review Mulyana Saleh; Indupurnahayu; Irfan Syauqi Beik; Jaih Mubarok
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 3 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i3.2661

Abstract

Background: Pesantren (Islamic boarding schools) have evolved from purely religious educational institutions into complex organisations managing business units, cooperatives, and community empowerment programmes, a shift accelerated by Indonesia's Pesantren Law (2019) and the One Pesantren One Product programme. Despite this growth, research on how pesantren strategically manage this dual educational and socio-economic mandate remains fragmented across isolated themes such as leadership, governance, and quality management. Research Gap: Prior studies remain largely fragmented, examining leadership, digitalisation, governance, financial management, human resource development, or educational quality in isolation rather than as interconnected components of a coherent strategic management system. Few studies have systematically synthesised how various strategic management practices jointly contribute to institutional performance, resilience, and sustainability across the more than 42,000 pesantren operating in Indonesia today. Novelty: This study conducts a Systematic Literature Review to map research development on strategic management in pesantren, synthesise empirical evidence across six domains, and construct an integrated conceptual framework positioning religious leadership as the foundational legitimising layer from which strategic planning, managerial operationalisation, and institutional performance reciprocally flow. Method: This study employed a Systematic Literature Review using the Scopus database. An initial search using the keywords "Islamic Boarding School" OR "Pesantren" yielded 1,430 publications, narrowed to 241 management related articles, and screened by title and abstract following PRISMA guidelines to yield 82 peer reviewed journal articles (2012 to 2026) for thematic content analysis, complemented by keyword co occurrence mapping using VOSviewer. Results: Publication output has grown sharply since 2019, with over half of the studies published in the last three years. The co occurrence map reveals four interlocking clusters: leadership and human capital, educational quality and strategic formulation, an explicit strategic management vocabulary, and financial accountability. Findings show that strategic planning is predominantly emergent, kiai leadership functions as the legitimising precondition for other strategic instruments, and governance is shifting toward hybrid accountability models. Conclusion: The review synthesises these findings into an integrated conceptual framework offering a theoretical bridge across previously disconnected research streams and a practical reference for strengthening pesantren strategic management capacity. Future research should develop validated survey instruments, conduct longitudinal studies, and extend analysis to pesantren networks and cross country comparisons.

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