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Safrilia Ayu Nani
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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 5 Documents
 1 
Search results for , issue "vol. 5 no. 2 (2026)" : 5 Documents clear
A Comparative Analysis of Economic Growth-Inequality Nexus Across Financial Systems Safin, Biruni Ahmad; Bintoro, Nugroho Suryo
Islamic Economics and finance in Focus Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.2.04

Abstract

Inequality is still a global issue. World inequality is represented by the G20 as a representation of the world economy. According to Kuznetz's theory, economic growth is the main factor that affects poverty which can be positive or negative. However, previous research has only examined Kuznetz's theory in one financial system. This study examines Kuznetz's Theory for G20 countries which are divided into three categories of financial systems, namely Sharia, Dual Banking, and Conventional. Economic growth is influenced by many things and is only sufficient for transportation, poverty distribution, PMA, GDP per capita, and labor. The study used a panel regression method for conventional and dual categories. The study uses a simple regression method for sharia. Our results show that in the conventional category, the variables of FDI and economic growth have a negative effect on inequality and the variables of labor and poverty have a negative effect on inequality. For the dual banking category, the variables of poverty and economic growth have a negative effect on inequality. For the Islamic banking category, only poverty has a negative effect on inequality. However, this is because the sample in sharia countries has become more equal in itself .
An Analysis of the Effects of People’s Intention to Pay Zakat in Zakat Institutions Fadhillah, Syahrur; Pudjihardjo, M
Islamic Economics and finance in Focus Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.2.01

Abstract

This research aims to determine the influence of performance accountability, reporting transparency, and guarantee of data privacy protection on the interest of the people of Malang City in paying zakat through zakat amil institution. The method used is quantitative using logistic regression analysis. The data used is primary data with 200 respondents who are residents in Malang, Muslim, and they are able to pay zakat independently. The result show that the performance accountability and reporting transparency variables have a partially significant influence, while the guarantee data privacy protection variable does not have a partial significant influence on the interest of the people of Malang City in making zakat payments through zakat amil institutions. It is hoped that the result of the research can become a reference so that amil zakat institutions continue to improve the quality and services of their agencies so that the people of Malang City become more enthusiastic in paying zakat through amil zakat institutions.
Determinants of Halal Cosmetics Purchase Intention: Behavioral Economics Perspective Qonita; Paksi, Girindra Mega
Islamic Economics and finance in Focus Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.2.03

Abstract

This study is motivated by the rapid growth of the halal cosmetics industry and the increasing complexity of consumer decision-making, which is not solely driven by economic factors. It aims to examine the influence of income, age, credibility cues, social proof, and halal certification salience on halal cosmetics purchase intention, with perceived risk as a mediating variable. A quantitative approach was employed using a survey of 155 female halal cosmetics users in Malang City, selected through purposive sampling. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that income and age do not have a significant effect on perceived risk or purchase intention. In contrast, credibility cues, social proof, and halal certification salience significantly reduce perceived risk and enhance purchase intention. These findings highlight the critical role of trust-related factors in shaping consumer behavior and provide implications for businesses to strengthen marketing strategies based on credibility, social proof, and clear halal certification.
Operational Efficiency of BTPN Syariah During the Covid-19 Pandemic: A Data Envelopment Analysis Approach Radithya Dzaky Waradana
Islamic Economics and finance in Focus Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.2.05

Abstract

This study analyzes the operational efficiency of BTPN Syariah (2019-2023), a bank focusing on the productive low-income women segment. Amidst the COVID-19 pandemic, the bank faced a "vulnerability paradox" between its shock-prone ultra-micro customer profile and its resilient Sharia business model. Using a two-stage quantitative approach, this study applies Data Envelopment Analysis (DEA) to measure technical efficiency and Tobit Regression to identify its determinants. The DEA results indicate a "U-shaped" efficiency pattern: optimal efficiency was achieved in 2019, contracted in 2020-2021 due to mobility restrictions, and fully recovered in 2023. The Tobit analysis reveals that Bank Size and the BI-Rate have a significant positive effect, confirming the effectiveness of economies of scale and monetary policy adaptation. Conversely, Non-Performing Financing (NPF) and inflation exhibit a significant negative effect due to deteriorating asset quality and declining customer purchasing power, whereas CAR and economic growth show no significant impact. In conclusion, economies of scale and monetary adaptation are the primary drivers of efficiency, while strict control over non-performing financing and the mitigation of inflation risks serve as absolute prerequisites for post-crisis operational sustainability.
The Impact of Macroeconomic Variables on Third-Party Funds in Islamic Banks Surya Saputra; Ajeng Kartika Galuh
Islamic Economics and finance in Focus Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.2.02

Abstract

This study is motivated by the increasing role of Islamic banking in the national financial system and the inconsistent findings of previous studies regarding the determinants of Third-Party Funds (DPK). This study aims to analyze the effect of Gross Domestic Product (GDP), inflation, the BI Rate, and the exchange rate on the amount of Third-Party Funds in Islamic Commercial Banks during the 2016–2024 period. The Covid-19 pandemic is also included as a dummy variable to capture changes in public saving behavior during the crisis period. This study employs a quantitative approach using quarterly time-series secondary data. The data were analyzed using multiple linear regression with the Newey-West estimator through Stata 17 to address autocorrelation problems. The results indicate that GDP, inflation, and the exchange rate have a positive and significant effect on Third-Party Funds, while the BI Rate has a negative and significant effect. Simultaneously, all variables significantly influence Third-Party Funds in Islamic Commercial Banks. These findings imply that macroeconomic stability plays an important role in strengthening fund collection in Islamic banking.

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