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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 196 Documents
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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT BELI ULANG MASYARAKAT MUSLIM KOTA MALANG TERHADAP MIE GACOAN Fadhillah, Muhammad Ayyub; Noor, Iswan
Islamic Economics and finance in Focus Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.04.11

Abstract

Mie Gacoan is a spicy noodle restaurant that was founded in early 2016. Mie Gacoan is now spread in almost all big cities in Indonesia. One of them is Malang City, where Mie Gacoan was founded. In recent years, Mie Gacoan has always been busy with buyers, either eating on the spot or buying via the online application. This research aims to determine the factors that influence Muslim consumers repurchase interest in Mie Gacoan in Malang City using the variables halal certification, EWOM and product quality. This research used a questionnaire by taking 153 respondents. The sampling technique used is a probability sampling technique with a simple random sampling method. The analysis technique used is multiple linear regression analysis. The results of the T test state that the EWOM variable and product quality partially have a positive and significant effect on repurchase interest. Meanwhile, halal certification does not have a significant effect on repurchase intention. The results of the F test show that halal certification, e-wom, and product quality simultaneously influence repurchase interest.
PENGARUH RELIGIOSITAS DAN PENDAPATAN TERHADAP KEPUTUSAN PEMBELIAN MAKANAN HALAL Fatimatuz Zahro, Jihan; Dwi Retno Widiyanti
Islamic Economics and finance in Focus Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.04.05

Abstract

The purpose of this study was to determine the effect of religiosity and income on purchasing decisions for halal food in Malang city. In this study the data used is primary data through questionnaires. The variables consist of religiosity (X1), income (X2) and halal food purchasing decisions (Y). The data were analyzed using the structural equation model (SEM). The results showed that religiosity has a significant influence on purchasing decisions. In addition, the income variable has a significant influence on purchasing decisions. In summary, it can be said that religiosity and income are important factors that influence individual purchasing decisions. The implication of this research is through improving skills and education related to halal food consumption in the form of educational campaigns and religious counseling programs regarding halal food. Agency cooperation with various parties such as religious leaders is needed to support the implementation of the halal center listed in the RPJMD of Malang City.
ANALISIS EFISIENSI KINERJA KEUANGAN OPZ DALAM MENGELOLA DANA ZIS DI INDONESIA: PENDEKATAN DATA ENVELOPMENT ANALYSIS Apriyanto, Rizky; Muhammad Dandy Alif Wildana
Islamic Economics and finance in Focus Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.04.10

Abstract

This study aims to analyze the efficiency of the financial performance of Zakat Management Organizations (ZMOs) in Indonesia in managing Zakat, Infaq, and Sadaqah (ZIS) funds and analyzing cost efficiency and the potential for optimizing the collection and distribution of ZIS funds. This quantitative research uses a non-parametric approach with secondary data in the form of financial reports from several OPZ for the period 2018-2022. This research uses the Data Envelopment Analysis (DEA) method, output-oriented, and assumes the VRS model using MaxDEA lite 12.0.8 software. Input variables include personnel costs, socialization costs, operational costs, and total assets. Output variables include the receipt of ZIS funds and the distribution of ZIS funds. The analysis showed that out of 20 Decision Making Units (DMUs), seven DMUs had efficiency of less than 100%. Meanwhile, thirteen other DMUs reached 100% efficiency, namely BAZNAS from 2020 to 2022, LAZNAS Rumah Zakat Indonesia (RZI) from 2018 to 2022, LAZNAS Yayasan PPPA Daarul Qur'an and LAZNAS Dewan Dakwah Islamiyah Indonesia (DDII) in certain years. Inefficiency in ZMOs is caused by personnel costs, socialization costs, and total assets. These costs affect the optimization of OPZ resources in producing maximum output.
ANALISIS EFEKTIVITAS DAN EFISIENSI PENGELOLAAN DANA ZAKAT PADA ORGANISASI PENGELOLA ZAKAT DI INDONESIA Muhammad Ziadatul Khaq; Ika Khusnia Anggraini
Islamic Economics and finance in Focus Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.04.06

Abstract

Poverty is one of the unresolved problems in Indonesia. This problem should be overcome, one of the ways, is through Islamic philanthropy, especially zakat. The gap between the potential and realization of zakat, the less than optimal performance of zakat institutions has resulted in low public trust so that supervision is needed by various parties so that zakat can be managed well. Therefore, this research aims to analyze the effectiveness and efficiency of zakat fund management performance in Zakat Management Organizations (OPZ) in Indonesia. This type of research is descriptive quantitative research that uses the ACR (Allocation to Collect Ratio) method to measure effectiveness and the DEA (Data Envelopment Analysis) method to measure efficiency. The data is in the form of secondary data originating from the annual financial reports of BAZNAS, Dompet Dhuafa, and Rumah Zakat from 2018 to 2021. The results of the study show that in general the three OPZs received high effectiveness and efficiency scores. BAZNAS is the most effective OPZ and Rumah Zakat is the most efficient OPZ. So it can be used as the main reference for other OPZs in efforts to improve the performance of zakat management in Indonesia.
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.

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