cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Rojai Zhofir
Contact Email
rojaizho@gmail.com
Phone
+6285709037738
Journal Mail Official
sembjournal@gmail.com
Editorial Address
Jl. Jaya Wijaya, Dusun Besar Kota Bengkulu
Location
Kota bengkulu,
Bengkulu
INDONESIA
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 208 Documents
 17   18   19   20   21 
Analyzing Consumer Behavioral Intention to Utilize Food Delivery Services in Ride-Hailing Apps: A Study of Malang’s Culinary MSME Yesiana Ihda Kusnayain; Naufal Dzakwana Muhammad; Dediek Tri Kurniawan; Achmad Fajar Alfian Sodiq
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.v7i3.2606

Abstract

Background: The MSME sector, especially the food and beverage industry, is a critical pillar for national economic stability and employment. However, actual field conditions reveal that technological implementation among small business actors does not always progress smoothly. Moreover, previous empirical findings concerning the effects of UTAUT constructs on technology adoption intentions within small enterprises still yield inconsistent and contradictory results. Method: This study employed a quantitative approach with explanatory and correlational research design. A sample of 173 Culinary SME respondents was selected using purposive sampling were collected through closed questionnaires with a 1-5 Likert scale. Data analysis utilized Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) using SmartPLS 4.0 software. Results: The result showed that the structural model reveals a highly synchronized, positive network of behavioral and infrastructural dependencies. The verification of Effort Expectancy confirms that application simplicity is an essential catalyst in reducing initial resistance to technology. Conclusion: This study validates the UTAUT model within the supply-side ecosystem of culinary MSMEs in Malang City. Empirical findings show that digital transformation in small food businesses is driven by a synchronized mix of cognitive, social, and structural factors. Specifically, performance expectancy, effort expectancy, social influence, and facilitating conditions shape merchants' intentions to adopt online food delivery platforms. Ultimately, behavioral intention and facilitating conditions successfully translate this willingness into sustained, routine technology usage.
Digital Transformation in the Halal Industry Ecosystem: A Study of Halal MSMEs in Pekanbaru City Delima Afriyanti; Surya Tegar Widjiantoro; Landes Yuanda; Nurlaili Janati
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.v7i3.2658

Abstract

Background: Digital transformation is a critical factor in the development of halal micro, small, and medium enterprises (MSMEs) in the digital economy era, as it can improve business efficiency, expand market access, and strengthen the halal industry ecosystem. However, its implementation still faces various obstacles, such as low digital literacy, limited human resources, and suboptimal technology utilization. This study aims to analyze the implementation of digital transformation among halal MSMEs in Pekanbaru City, identify the supporting and inhibiting factors, and examine its contribution to strengthening the halal industry ecosystem. Method: This study employs a qualitative approach with a case study design involving six halal MSMEs in Pekanbaru City selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, then analyzed using the interactive model of Miles, Huberman, and Saldaña, with data validity tested through source triangulation, method triangulation, and member checking. Results: The results show that digital transformation has been implemented through the use of social media, marketplaces, digital payment systems (QRIS), and communication applications to support business activities. This implementation has generated positive impacts, including expanded market reach, improved transaction efficiency, easier communication with consumers, and increased transparency of halal product information. Factors driving digital transformation include changes in consumer behavior, the development of digital technology, and training support. Meanwhile, the main obstacles encountered are low digital literacy, limited human resources, and suboptimal utilization of technology in business management. Conclusion: Digital transformation contributes to strengthening the halal industry ecosystem by expanding market access, improving business efficiency, and reinforcing consumer trust in halal products. Therefore, optimizing digital transformation is an important factor in enhancing the competitiveness of halal MSMEs and supporting the sustainable development of the halal industry.
The Interaction Between Personality and Risk Perception in Shaping Actual Investor Behavior in the Indonesian Capital Market Ai Cucu Raksawati; Ikaputera Waspada; Nugraha Nugraha; Leni Yulianti
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.v7i3.2667

Abstract

The Indonesian capital market is undergoing a significant demographic transformation, marked by the dominance of young investors from Generation Z (born 1997–2012) and Millennials (born 1981–1996), who collectively represent more than 80% of all active investors as of 2024. This study examines, both conceptually and analytically, how the interaction between personality traits (Big Five Personality) and risk perception jointly shapes actual investment behavior among these two generations in the Indonesian capital market. Using a systematic literature review approach of SINTA-indexed sources from 2020 to 2025, this study found that: (1) the personality traits Extraversion and Openness to Experience are positively correlated with risk tolerance and transaction frequency; (2) Neuroticism is negatively correlated with the willingness to make investment decisions; (3) Gen Z exhibits more exploratory behavior and is more prone to FOMO (Fear of Missing Out), whereas Millennials tend to be more conservative and structured; and (4) financial literacy acts as an important moderator in the relationship between personality, risk perception, and actual behavior. These findings have theoretical and practical implications for the development of investor education and capital market policies in Indonesia.
Beyond the Asnaf Restriction: Tamlīk and Fiscal Justice as Constraints on Zakat Funding of Indonesia’s Free Nutritious Meals Program Harmon 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.v7i3.2676

Abstract

Background: The Free Nutritious Meals Program (Makan Bergizi Gratis/MBG), a priority Indonesian policy targeting 82.9 million beneficiaries, depends entirely on the state budget. In January 2025, the Chairperson of the Regional Representative Council proposed financing the program partly through zakat. Zakat authorities firmly rejected the proposal, citing the restriction of zakat to eight recipient categories (asnaf). Research Gap: Existing studies affirming this rejection rest solely on the asnaf restriction and statutory text, leaving deeper questions of disbursement mechanism and fiscal designation unexamined. No study has assessed the proposal through the principles of tamlik (ownership transfer) and fiscal justice. Novelty: This study introduces a two-axis analytical framework combining tamlik and fiscal justice to evaluate zakat financing proposals, systematically testing counterarguments grounded in maslahah, expansion of fi sabilillah, and darurah. It formulates a conditional rejection rather than an absolute prohibition. Method: A qualitative normative-doctrinal approach with policy discourse analysis was employed. Primary legal materials (Surah al-Tawbah verse 60, Law No. 23/2011, Presidential Regulation No. 83/2024), policy discourse texts, and secondary literature were examined through usul al-fiqh framework. Results: A rejection based solely on the asnaf restriction is methodologically fragile, collapsing if MBG is selectively targeted at the poor. More fundamentally, MBG's collective-consumption scheme fails to satisfy tamlik, and financing it through zakat constitutes a transfer of the state's obligation (isqat wajib al-dawlah) onto funds fixed by definitive text. Four counterarguments grounded in maslahah, expansion of fi sabilillah, hifz al-nafs, and darurah all fail under usuli scrutiny. Conclusion: The study formulates a conditional rejection resting on four unfulfilled conditions of validity (entitlement, tamlik, fiscal separation, and designational conformity), shifting the debate from asnaf membership toward the validity of disbursement, and directing nutritional philanthropy toward infaq, sadaqah, and waqf.
The Effect of Operational and Service Staff Quality on Customer Loyalty Through Customer Satisfaction: Evidence from SPBG Cililitan Muhammad Iqbal Syafarie; Yudi Nur Supriadi
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.v7i3.2685

Abstract

Background: SPBG Cililitan merupakan stasiun pengisian bahan bakar gas yang berlokasi di Jakarta Timur, melayani kebutuhan energi kendaraan berbahan bakar gas. Dalam konteks industry layanan bahan bakar yang kompetitif, pemahaman mengenai faktor-faktor yang memengaruhi loyalitas pelanggan sangat krusial untuk keberlanjutan bisnis. Penelitian terdahulu seringkali memperlakukan kualitas layanan sebagai konstruk monolitik, padahal terdapat perbedaan mendasar antara kualitas operasional dan kualitas interaksi staf. Method: Penelitian ini menggunakan pendekatan kuantitatif dengan desain survei eksplanatif. Sampel berjumlah 106 responden dipilih menggunakan teknik purposive sampling dari pelanggan SPBG Cililitan. Data dikumpulkan melalui kuesioner daring dengan skala Likert 1–5. Analisis data menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) melalui perangkat lunak SmartPLS 3.0. Results: Hasil analisis menunjukkan bahwa Service Staff Quality memiliki pengaruh positif yang sangat signifikan terhadap Customer Satisfaction (β = 0,805; p = 0,000), sedangkan Operational Quality tidak signifikan (β = 0,017; p = 0,881). Customer Satisfaction terbukti memiliki pengaruh signifikan terhadap Customer Loyalty (β = 0,605; p = 0,003). Customer Satisfaction memediasi secara penuh (full mediation) hubungan antara Service Staff Qualitydan Customer Loyalty (efek tidak langsung = 0,488; p = 0,004). Conclusion: Peningkatan kualitas interaksi staf layanan merupakan prioritas utama untuk meningkatkan kepuasan pelanggan, yang selanjutnya akan mendorong terwujudnya loyalitas pelanggan di SPBG Cililitan. Aspek operasional meskipun merupakan fondasi layanan, tidak secara langsung memengaruhi kepuasan maupun loyalitas pelanggan.
Developing an Integrated Maqāṣid al-Sharī'ah-Based Social Entrepreneurship Ecosystem Model for Sustainable Development: Empirical Evidence from HIPMI Indonesia Marliyah Marliyah; Syuhada Fela Yudha; Muhammad Ramadhan; Muhammad Yafiz
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.v7i3.2697

Abstract

Background: Social entrepreneurship is increasingly seen as a strategic engine for the Sustainable Development Goals (SDGs) in countries with a majority of Muslims. However, there are few empirical studies that treat Maqāṣid al-Sharī'ah as a measurable construct within entrepreneurial ecosystem models, and there is little data on how entrepreneurial associations like the Indonesian Young Entrepreneurs Association (HIPMI) influence this process. Method: This study used a quantitative, explanatory approach to survey 255 HIPMI members in North Sumatra, Indonesia, using a five-point Likert-scale questionnaire. Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to analyze the data. Results: The measurement model met all validity and reliability criteria (AVE = 0.777–0.902; Cronbach's Alpha and Composite Reliability above 0.90), while the structural model demonstrated strong predictive relevance (Q² = 0.679–0.738), substantial explanatory power (R² = 0.764–0.886), and a good overall fit (SRMR = 0.038). Social Entrepreneurship was one of the twelve hypotheses that received support.Features that have the most beneficial impact on Maqāṣid al-Sharī'ah (β = 0.600). External support had no discernible direct impact on Maqāṣid al-Sharī'ah, while the role of HIPMI had no discernible direct impact on SDG Contribution. However, both relationships gained significance after being mediated by the Social Entrepreneurship Ecosystem. Conclusion: These results corroborate the Islamic Social Entrepreneurial Ecosystem Model (ISEEM), demonstrating that when entrepreneurial capacity, ecosystem development, institutional support, and the internalization of Maqāṣid al-Sharī'ah work together, sustainable development is strengthened.
Cultural Identity, Digital Branding, and Tourism Marketing: The Aengtong-Tong Keris Tradition In Sumenep, Indonesia Abd. Syakur; Nursayidah; Suyanto
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.v7i3.2726

Abstract

Background: The rapid growth of Muslim-friendly tourism has created significant opportunities for destinations to integrate Islamic values, cultural heritage, and local wisdom into tourism development strategies. Sumenep Regency, known as the "City of Keris," possesses unique tourism assets through the Asta Tinggi Royal Cemetery and Aengtong-Tong Keris Tourism Village, which combine religious tourism, cultural heritage, local traditions, and spiritual experiences. Despite these strengths, the marketing of Muslim-friendly tourism in Sumenep remains fragmented and has not yet been supported by an integrated and sustainable tourism marketing framework. This study aims to explore existing Muslim-friendly tourism marketing practices and formulate a comprehensive marketing model based on phenomenological perspectives. Method: A qualitative approach with phenomenological methodology was employed to understand the experiences, perceptions, and meanings constructed by stakeholders regarding Muslim-friendly tourism development. Data were collected through in-depth interviews, observations, and documentation involving tourism officials, destination managers, religious leaders, cultural figures, tourism entrepreneurs, academics, media representatives, and tourists. Data analysis was conducted through coding, thematic analysis, interpretation, and synthesis of meanings. Results: The findings reveal that Muslim-friendly tourism marketing in Sumenep is predominantly value-based rather than system-based. The main strengths of the destination lie in its spiritual values, religious heritage, local wisdom, keris culture, and active community participation. Four major themes emerged from the analysis: Muslim-friendly tourism as an expression of religious and cultural values, destination attractiveness through spirituality and heritage experiences, the strategic role of local wisdom in destination branding, and stakeholder collaboration as a driver of sustainable tourism development. The study proposes a Muslim-friendly tourism marketing model that integrates Islamic values, cultural heritage, destination branding, local wisdom, and the Pentahelix collaboration framework. echnologies with authentic cultural experiences can foster responsible tourist behavior. Conclusion: The findings suggest that sustainable Muslim-friendly tourism development requires not only halal-oriented services and facilities but also meaningful tourism experiences, cultural authenticity, and collaborative governance. The proposed model contributes theoretically to the development of Muslim-friendly tourism marketing literature and provides practical guidance for policymakers and tourism stakeholders in strengthening destination competitiveness and sustainability
Burnout Impact on Employee Well-Being: The Moderating Role of Work Environment Karina Amalia Herwindhani; Desi Tri Kurniawati; Radityo Putro Hendrito
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.v7i3.2789

Abstract

Background: Employee well-being is essential for sustaining employee performance and organizational effectiveness, particularly in the banking industry, where intensive workloads, demanding targets, and competitive pressures may contribute to burnout. This study examines the effect of burnout on employee well-being and investigates the moderating role of the work environment among BMRI employees. Method: This study employed a quantitative explanatory design involving 400 BMRI employees. Data were collected through structured questionnaires and analyzed using SPSS and the PROCESS Model by Andrew F. Hayes, complemented by Simple Slope Analysis to examine the moderation effect. Results: Burnout had no significant direct effect on employee well-being (p = 0.1027), whereas the work environment had a significant positive effect. The interaction between burnout and the work environment was significant and negative (β = −0.0852; p = 0.0397). Simple slope analysis further revealed that the negative effect of burnout on employee well-being became stronger at higher levels of the work environment. Conclusion: A positive work environment alone does not necessarily buffer the adverse effects of burnout. Therefore, organizations should complement supportive workplace conditions with realistic workloads, effective stress management, and adequate recovery opportunities to sustainably enhance employee well-being

Page 21 of 21 | Total Record : 208

 17   18   19   20   21 

Filter by Year

2020 2026


Reset
Filter By Issues
All Issue Vol. 7 No. 3 (2026): Sharia Economic and Management Business Vol. 7 No. 2 (2026): Sharia Economic and Management Business Vol. 7 No. 1 (2026): Sharia Economic and Management Business Vol. 6 No. 3 (2025): Sharia Economic and Management Business Vol. 6 No. 2 (2025): Sharia Economic and Management Business Vol. 6 No. 1 (2025): Sharia Economic and Management Business Vol. 5 No. 3 (2024): Sharia Economic and Management Business Vol. 5 No. 2 (2024): Sharia Economic and Management Business Vol. 5 No. 1 (2024): Sharia Economic and Management Business Vol. 4 No. 3 (2023): Sharia Economic and Management Business Vol. 4 No. 2 (2023): Sharia Economic and Management Business Vol. 4 No. 1 (2023): Sharia Economic and Management Business Vol. 3 No. 3 (2022): Sharia Economic and Management Business Vol. 3 No. 2 (2022): Sharia Economic and Management Business Vol. 3 No. 1 (2022): Sharia Economic and Management Business Vol. 2 No. 3 (2021): Sharia Economic and Management Business Vol. 2 No. 2 (2021): Sharia Economic and Management Business Vol. 2 No. 1 (2021): Sharia Economic and Management Business Vol. 1 No. 3 (2020): Sharia Economic and Management Business More Issue