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Jl. MT Haryono No 165 Malang Fakultas Ekonomi dan Bisnis Universitas Brawijaya
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Islamic Economics and finance in Focus (IEFF)
Published by Universitas Brawijaya
ISSN : -     EISSN : 29641233     DOI : 10.21776/ub.ieff
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Publish all forms of quantitative and qualitative research articles and other scientific studies related to the field of Islamic Economics and finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "Vol. 4 No. 1 (2025)" : 15 Documents clear
The Influence of Emotional and Rational Motives on Decision Making in Choosing Bank Syariah Indonesia Savings Products Miftakhul Jannah; Muhammad Dandy Alif Wildana
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.11

Abstract

This study aims to determine the influence of emotional motives and rational motives in choosing Bank Syariah Indonesia savings products. The method used in this study is quantitative with the Partial Least Square Structural Equation Model or PLS-SEM data analysis method operated through the SmartPLS 4.0 program. As for the data sources used in this study are primary data and the population in this study is the Working Age Population (PUK) in Malang Raya. The sampling technique uses the Purposive sampling method with data collection techniques using questionnaires and utilizing the Likert scale model. The results of the analysis show that the variables of social status, security, comfort and benefits have a positive and significant effect on customer decision making in choosing Bank Syariah Indonesia savings products. This study will contribute to the knowledge that already exists in the literature, especially in the context of factors that influence customer decision making in Bank Syariah Indonesia in the Malang Raya area.   Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh motif emosional dan motif rasional dalam memilih produk tabungan Bank Syariah Indonesia. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan metode analisis data Partial Least Square Structural Equation Model atau PLS-SEM yang dioperasikan melalui program SmartPLS 4.0. Adapun sumber data yang digunakan dalam penelitian ini adalah data primer dan populasi dalam penelitian ini adalah Penduduk Usia Kerja (PUK) di Malang Raya. Teknik pengambilan sampel menggunakan metode Purposive sampling dengan teknik pengumpulan data menggunakan kuesioner dan memanfaatkan model skala likert. Hasil analisis menunjukkan bahwa variabel status sosial, keamanan, kenyamanan dan manfaat berpengaruh positif dan signifikan terhadap pengambilan keputusan nasabah dalam memilih produk tabungan Bank Syariah Indonesia. Penelitian ini akan menambah pengetahuan yang telah ada pada literatur khususnya dalam konteks faktor-faktor yang mempengaruhi pengambilan keputusan nasabah Bank Syariah Indonesia wilayah Malang Raya.
An Analysis of The Effects of Service Features, Halal Awareness, And Underst Anding About Islamic Consumption on Purchase Decisions Fauzi, Muhammad Fiqri; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.13

Abstract

The rapid growth of technology has had a significant impact on consumer behavior, especially among Generation Z, who tend to use e-commerce platforms as one of the main means of shopping. In Malang City, according to the 2020 population census, Generation Z dominates, comprising 26% of the total population. This research aims to determine the influence of service features, halal awareness, and understanding of Islamic consumption on the purchasing decisions of Generation Z in Malang City on the Shopee e-commerce platform. The research method employs descriptive quantitative methods with data collection techniques through the distribution of questionnaires to 100 research samples. The test results indicate that simultaneously, the variables of service features, halal awareness, and understanding of Islamic consumption significantly influence purchasing decisions on the Shopee e-commerce platform by Generation Z in Malang City.   Abstrak Pesatnya pertumbuhan teknologi memberikan dampak yang signifikan terhadap perilaku konsumen, terutama di kalangan Generasi Z yang cenderung menggunakan platform e-commerce sebagai salah satu sarana utama berbelanja. Di Kota Malang, menurut sensus penduduk tahun 2020, Generasi Z mendominasi dengan jumlah 26% dari total penduduk. Penelitian ini bertujuan untuk mengetahui pengaruh fitur layanan, kesadaran halal, dan pemahaman konsumsi Islami terhadap keputusan pembelian Generasi Z di Kota Malang pada platform e-commerce Shopee. Metode penelitian yang digunakan adalah metode deskriptif kuantitatif dengan teknik pengumpulan data melalui penyebaran kuesioner kepada 100 sampel penelitian. Hasil pengujian menunjukkan bahwa secara simultan variabel fitur layanan, kesadaran halal, dan pemahaman konsumsi Islami berpengaruh signifikan terhadap keputusan pembelian pada platform e-commerce Shopee oleh Generasi Z di Kota Malang.
The Determinants of Micro, Small and Medium Enterprise at East Java Sharia Rural Banks Period 2018-2022 Qolbi, Syahra Ardheasafa Hidayatul; Vietha Devia
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.10

Abstract

Micro, small, and medium enterprises (MSMEs) play a crucial role in building a nation’s economy. However, these businesses face challenges, such as limited access to capital. Sharia Rural Banks can contribute to addressing this issue by providing financing for MSMEs. This research aims to demonstrate the impact of DPK, FDR, NPF, and SBIS on MSME financing using a sample size of 14 BPRS from 2018 Q1 to 2022 Q4. The analysis technique employed is panel data regression. The results of the tests conducted indicate that DPK (X1) positively affects MSME financing, FDR (X2) and SBIS (X4) negatively affect MSME financing, and NPF (X3) doesn’t significantly affect MSME financing BPRS in East Java Province.   Abstrak Usaha mikro, kecil dan menengah (UMKM) mempunyai peran yang penting untuk membangun perekonomian nasional. Namun, kendala yang dihadapi oleh pelaku UMKM ialah keterbatasan modal. Bank Pembiayaan Rakyat Syariah dapat diharapkan memberikan kontribusi dalam menyalurkan pembiayaan UMKM. Tujuan dari penelitian ini adalah untuk menunjukkan pengaruh DPK, FDR, NPF dan SBIS terhadap pembiayaan UMKM dengan sampel penelitian sebesar 14 BPRS periode 2018 triwulan 1 – 2022 triwulan 4. Teknik analisis yang digunakan adalah analisis regresi data panel. Hasil pengujian yang dilakukan, DPK (X1) berpengaruh positif terhadap pembiayaan UMKM, FDR (X2) dan SBIS (X4) berpengaruh negatif terhadap pembiayaan UMKM, serta NPF (X3) tidak berpengaruh signifikan terhadap pembiayaan UMKM BPRS di Provinsi Jawa Timur.
The Impact of Halal Certification, Halal Label, and Price on Consumer Purchase Decisions for Dimsum Uma Yumcha Akbar, Naufal; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.09

Abstract

Global consumption of halal products reached US$2.2 trillion in 2018 and is projected to reach US$3.2 trillion by 2024, driving the ongoing growth of the Indonesian food and bavarage industry. However, the concept of halal is still not well understood by the Indonesian public. As a result, checking the halal status of products in the market, including halal food, is important. Due to its diverse consumption potential, Malang City was chosen as the research location because it is known for its halal education and tourism. The purpose of this study is to examine how halal certification, halal labels, and halal prices affect consumers' purchasing decisions. A questionnaire was used to collect data for this quantitative study. Consumers of  Uma Yumcha Dimsum in Malang City were surveyed using purposive sampling technique in this study. Data analysis in this study was conducted using binary logistic regression. The study found that consumers were most influenced by halal certification, halal labels, and price when all three were considered simultaneously. Halal certification does not show a significant impact on purchasing decisions, while the halal label has a positive and significant influence. Price also shows a positive and significant effect on the purchasing decisions of Dimsum Uma Yumcha in Malang City.. The results of this study are that halal certification, halal labels, and prices should be the main focus for business actors to influence consumer purchasing decisions, especially Muslims.   Abstrak Konsumsi global produk halal mencapai 2,2 triliun US dollar pada tahun 2018 dan diperkirakan menyentuh angka 3,2 triliun US dollar pada tahun 2024, mendorong pertumbuhan industri makanan dan minuman Indonesia yang sedang berlangsung. Meskipun demikian, konsep halal masih belum dipahami dengan baik oleh masyarakat Indonesia. Akibatnya, memeriksa status kehalalan produk di pasaran, termasuk makanan halal, menjadi penting. Karena potensi konsumsinya yang beragam, Kota Malang dipilih sebagai lokasi penelitian karena dikenal dengan pendidikan dan wisata halalnya. Tujuan dari penelitian ini adalah untuk menganalisis bagaimana sertifikasi halal, label halal, dan harga memengaruhi keputusan konsumen dalam membeli. Dalam penelitian kuantitatif ini, data dikumpulkan melalui kuesioner. Konsumen Dimsum Uma Yumcha di Kota Malang disurvei menggunakan teknik purposive sampling. Analisis data dilakukan dengan regresi logistik biner. Temuan penelitian menunjukkan bahwa konsumen paling terpengaruh oleh sertifikasi halal, label halal, dan harga ketika ketiga faktor tersebut dipertimbangkan secara bersamaan. Sertifikasi halal tidak menunjukkan pengaruh signifikan terhadap keputusan pembelian, sementara label halal memberikan pengaruh positif dan signifikan. Harga juga menunjukkan pengaruh positif dan signifikan terhadap keputusan pembelian Dimsum Uma Yumcha di Kota Malang. Oleh karena itu, penelitian ini menyimpulkan bahwa sertifikasi halal, label halal, dan harga perlu menjadi perhatian utama bagi pelaku usaha untuk memengaruhi keputusan pembelian konsumen, terutama di kalangan umat Islam.
An Analysis of The Effects of External and Internal Factors on The Profitability of Btpn Syariah in the 2014-2022 Period Fisabilillah, Yusminia Fauzyyah; Wildana, Muhammad Dandy Alif
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.12

Abstract

BTPN Syariah is a relatively new private Islamic bank that capable to generate profits higher than other Islamic banking companies. The profit earned by the company come from various sources. This study aims to determine the effect of internal and external factor which influence profitability of BTPN Syariah for the period 2014-2022. This research emplrys descriptive quantitative methods using secondary data from BTPN Syariah's quarterly financial reports during the 2014-2022 period, inflation and interest rate data are taken from BPS. The data analysis method used is the ECM method which consists of stationarity test, cointegration test, ECM modeling, parameter significance test with F test and t test. The results showed that all variables were stationary at the second difference integration degree. There is a long-term influence between variables. The short-term modeling results also show the existence of short-term influence on the research model. In conclusion, in the short-term model, NPF, BOPO and CAR variables have a negative and significant effect on ROA, FDR has a positive and significant effect on ROA, while CKPN inflation and interest rates have no effect on ROA. In the long-term model, NPF, BOPO, CAR and CKPN have a negative and significant effect on ROA. FDR has a positive and significant effect on ROA. Inflation and interest rates have no effect on ROA.   Abstrak BTPN Syariah sebagai bank syariah swasta muda yang mampu mencetak profit Perusahaan cukup tinggi dari Perusahaan perbankan syariah lainnya. Profit yang didapatkan oleh Perusahaan berasal dari berbagai sumber. Penelitian ini bertujuan untuk mengetahui pengaruh faktor internal dan eksternal terhadap profitabilitas BTPN Syariah periode 2014-2022. Penelitian ini menggunakan metode penelitian kuantitatif deskriptif dengan menggunakan data sekunder dari laporan keuangan triwulan BTPN Syariah selama periode 2014-2022, data inflasi dan suku bunga yang diambil dari BPS. Metode analisis data yang digunakan adalah metode ECM yang terdiri dari uji stasioneritas, uji kointegrasi, pemodelan ECM, uji signifikansi parameter dengan uji F dan uji t. Hasil penelitian menunjukkan bahwa semua variabel stasioner pada derajat integrasi second difference. Terdapat pengaruh antar variabel pada jangka panjang. Hasil pemodelan jangka pendek juga menunjukkan adanya pengaruh jangka pendek pada model penelitian. Kesimpulannya, pada model jangka pendek, variabel NPF, BOPO dan CAR berpengaruh negatif dan signifikan terhadap ROA, FDR berpengaruh positif dan signifikan terhadap ROA, sedangkan CKPN inflasi dan suku bunga tidak berpengaruh terhadap ROA. Pada model jangka panjang NPF, BOPO, CAR dan CKPN mempunyai pengaruh negatif dan signifikan terhadap ROA. FDR berpengaruh positif dan signifikan terhadap ROA. Inflasi dan suku bunga tidak berpengaruh terhadap ROA.
The Effects of Understanding on Islamic Consumption, Price, and Motive on the Decision to Purchase Mobile Games’ Online Virtual Item Fadhil, Muhammad Faisal; Anggraini, Ika Khusnia
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.02

Abstract

With the rapid digitalization, Indonesia has seen an increase in internet users and the growth of sectors like online gaming. This phenomenon has led to new consumption patterns, such as purchasing virtual items through in-game top-ups, which can have negative effects. Based on several studies and the urgency from an Islamic economic perspective, this research aims to analyze the influence of Islamic consumption understanding, price, and rational and emotional motives on the decision to purchase mobile games’ online virtual item. The method used is descriptive quantitative with binary logistic regression analysis. The results show that Islamic consumption understanding has a significantly negative influence on purchase decisions, while emotional motives have a significantly positive influence. However, price and rational motives do not show a significant impact. This study highlights the importance of the younger generation, especially Generation Z, in considering Islamic consumption principles when making purchase decisions, rather than relying solely on emotions.   Abstrak Dengan pesatnya digitalisasi, Indonesia mengalami peningkatan pengguna internet dan pertumbuhan sektor-sektor seperti game online. Fenomena ini memunculkan pola konsumsi baru, seperti pembelian item virtual melalui top-up dalam game, yang dapat berdampak negatif. Berdasarkan beberapa kajian dan urgensinya dalam perspektif ekonomi Islam, penelitian ini bertujuan untuk menganalisis pengaruh pemahaman konsumsi Islami, harga, serta motif rasional dan emosional terhadap keputusan pembelian barang virtual pada mobile game. Metode yang digunakan adalah deskriptif kuantitatif dengan analisis regresi logistik biner. Hasil penelitian menunjukkan bahwa pemahaman konsumsi Islam mempunyai pengaruh negatif signifikan terhadap keputusan pembelian, sedangkan motif emosional mempunyai pengaruh positif signifikan. Namun harga dan motif rasional tidak menunjukkan pengaruh yang signifikan. Studi ini menyoroti pentingnya generasi muda, khususnya Generasi Z, dalam mempertimbangkan prinsip konsumsi Islami ketika mengambil keputusan pembelian, dibandingkan hanya mengandalkan emosi.
Life Objectives as the Determinants of Happiness Among Muslims in Indonesia Alfajri, Azriel; Kornitasari, Yenny
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.08

Abstract

This research is motivated by allegations of life goals that also contribute to happiness. Non-competitive life goals—such as family goals, altruism, and religiosity—are thought to have a constructive influence on happiness, and competitive goals are detrimental. Using data from IFLS 5 and Muslims as subjects, this study aims to examine the suitability of previous research in the context of Muslims in Indonesia. The study utilized a quantitative descriptive approach with a binary logistic regression estimation model. The results revealed: (i) success goals measured by employment status had a negative and significant influence only on a sample of women; (ii) family goals have a positive and significant influence on Muslim happiness; (iii) altruism has a positive but insignificant influence on Muslim happiness; and (iv) religiosity has a positive and significant influence on Muslim happiness. These results could provide guidance for individual Muslims to discover the factors that increase their happiness, which ultimately contribute to economic development.
The Effect of Minimum Wage, Unemployment, and Zakat, Infaq, Sadaqah on Poverty in West Java in the 2015-2021 Period Shofiyyah Az zahra; Ajeng Kartika Galuh
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.06

Abstract

Covid-19 has made poverty in Indonesia increase again. The main source of household income wages, has decreased and unemployment has increased. The minimum wage policy was established to increase workers’ per capita wages. While economic growth has decreased, Zakat, Infaq, Sadaqah (ZIS) funds have consistently increased. Income distribution according to conventional and Islamic economics has an important role in reducing poverty. Researchers see that the variables of minimum wages, unemployment, and ZIS in previous studies still have inconsistent results and previous studies have not combined the three variables together. So, this study aims to determine the effect of minimum wage, unemployment, and ZIS on poverty in West Java. This study uses a quantitative approach with multiple linear regression analysis. The results prove that minimum wage and unemployment have a significant effect on poverty, while ZIS has no significant effect on poverty.
Factors Affecting Financing at Panin Dubai Syariah Bank: 2014-2022 Azizah, Salsabila
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.01.01

Abstract

This article investigates the influence of the CAR, TPF, NPF, return on assets (ROA), and BI Rate on financing at Bank Panin Dubai Syariah. Internal quantitative data used in this study were obtained from quarterly financial reports in the period of 2014 - 2022, while external data were obtained from BPS reports. The analysis method used was the Error Correction Model (ECM). In the long run, TPF and ROA variables have a positive influence on financing in Panin Dubai Syariah, while NPF and BI Rate variables have a negative influence. CAR variable does not have a long-term influence on financing in Panin Dubai Syariah. In the short term, only the ROA variable has a positive influence on financing in Panin Dubai Syariah. These four variables do not have a short-term influence on financing in Panin Dubai Syariah. The results of the study indicate that the performance of Panin Dubai Syariah as an intermediary institution in channeling financing to the public is stable in the long run, but in the short term, the bank experiences instability in the development of financing.
Factor Affecting the Demand of Food Via Gofood (A Study Case of Millenial and Z Generation Consumers) Akbar, Dwiky Wahana; Muttaqin, Aminnullah Achmad
Islamic Economics and finance in Focus Vol. 4 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff. 2025.04.1.15

Abstract

Online food delivery in Indonesia is growing rapidly. This has influenced consumer behavior to change. The demand of food as a primary need is the reason for the development of online food delivery. The demand of food is dominated by millennials and z generation. The halal factor is the main preference when choosing food. In Islamic perspective, halal food is recommended tobe the main need in order to achieve falah, which means happinesss in this world and the hereafter. This study was conducted with the aim of explaining the effect of religiosity, cleanfood, lifestyle, price, and income toward the demand of food through Gofood. Respondents used in this study were limited to Malang City. This data collection technique was carried out using a questionnaire. The data analysis technique uses Structural Equation Modelling (SEM) with a Confirmatory Factor Aanlysis approach. The result of this study show that cleanfood have a significant impact on food purchasing decision through Gofood. Furthermore, religiosity, lifestyle, price and income have not signifant impact on food purchasing decision through Gofood.

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