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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 249 Documents
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The Influence of Income, Religiosity, Halal Awareness, and Beauty Influencers on the Decision of Gen Z in Malang City to Purchase Paragon’s Cosmetics Products Nastiti, Nisrina Nariswari; Widiyanti, Dwi Retno
Islamic Economics and finance in Focus Vol. 5 No. 4 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

Indonesia, as a country with a large Muslim population, has significant potential in the halal sector, particularly among Generation Z. However, despite Generation Z's high level of halal awareness and religiosity, there is a discrepancy between this awareness and actual purchasing behavior. This study aims to analyze the influence of income, religiosity, halal awareness, and beauty influencers on Generation Z's purchasing decisions for Paragon cosmetic products in Malang City. Data analysis was conducted using the Structural Equation Modeling (SEM) method. The results of this study indicate that income, halal awareness, and beauty influencers have a significant positive influence on purchasing decisions. Religiosity does not have a significant influence on purchasing decisions. The results of this study are expected to be taken into consideration in developing marketing strategies and products that are in line with the characteristics of Generation Z, which currently constitutes the largest segment of cosmetics consumers.
The Effect of Islamic Financing Composition on Sharia Bank Profitability in Indonesia Asshiddiq, Muhammad Azzam Nazhmi; Galuh, Ajeng Kartika
Islamic Economics and finance in Focus Vol. 5 No. 4 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

This study examines the effect of profit-sharing, sale-based, and lease-based financing on the profitability of Sharia Commercial Banks (SCBs) in Indonesia over the 2015–2024 period. Profitability is measured through Return on Assets (ROA), while Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) are included as control variables. Using aggregate monthly data published by the Financial Services Authority (OJK) in the Islamic Banking Statistics, the study applies a Vector Error Correction Model (VECM) to capture both short-run and long-run dynamics. The results show that profit-sharing financing has a positive and significant effect on ROA in both the short and long run. Sale-based financing shows no significant short-run effect but exerts a negative and significant long-run effect, while lease-based financing has no significant effect in either horizon. FDR and NPF are both negatively and significantly associated with ROA in the long run. These findings suggest that SCBs should reduce their heavy reliance on sale-based contracts and expand profit-sharing financing to strengthen profitability on a more sustainable basis, while continuously monitoring financing quality and liquidity.  
Financial Performance and Productive Financing: A Comparison of Conventional and Islamic Banks Rofiah, Ainun; Manzilati, Asfi
Islamic Economics and finance in Focus Vol. 5 No. 4 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

The distribution of productive loans and financing plays an important role in supporting economic growth through the development of real sector activities. This study aims to analyze the effect of financial performance on productive loans and financing and to examine differences in productive fund distribution between conventional and Islamic banks in Indonesia. This study employs a quantitative approach using secondary data from conventional and Islamic banks in Indonesia. Data were analyzed using multiple linear regression and the Mann–Whitney U Test. The results show that CAR has a positive and significant effect on productive loans/financing in both banking systems. In conventional banks, LDR also has a positive and significant effect, while ROA and NPL have negative and significant effects; BOPO has no significant effect. In Islamic banks, ROA, BOPO, NPF, and FDR have no significant effect. Furthermore, there is no significant difference in productive fund distribution between the two banking systems. These findings imply that strengthening capital adequacy is important to support productive fund distribution and enhance the effectiveness of the banking intermediation function.
Integration of UTAUT and TPB Into Virtual Reality Tourism Against Halal Tourism Intention Candra, Jihan; Supriani, Indri
Islamic Economics and finance in Focus Vol. 5 No. 4 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

This study aims to analyze users’ behavioral intentions toward Virtual Reality (VR) tourism by integrating the UTAUT theory and the Theory of Planned Behavior (TPB), as well as to examine the roles of perceived benefits and attitudes as mediating and moderating variables. The main variables in this study are performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price-value, and habit. This study employed purposive sampling with 204 respondents who are users of VR tourism services. Data were collected via a questionnaire and analyzed using the SEM-PLS method with SmartPLS 4 software. The results indicate that UTAUT factors have a positive and significant effect on perceived benefit, and that perceived benefit has a positive and significant effect on behavioral intention. However, behavioral intention does not have a significant effect on usage behavior. Furthermore, perceived benefit mediates the relationship between UTAUT and behavioral intention. Attitude toward VR tourism was found to significantly moderate the relationship between UTAUT and perceived benefit, as well as between perceived benefit and behavioral intention, whereas Islamic religiosity did not moderate the relationship between behavioral intention and usage behavior. These findings indicate that perceived benefits and attitudes toward technology are important factors in driving the intention to use VR in halal tourism.
Halal Lifestyle, Price, and Influencer Marketing on Halal Fashion Purchase Intention among Gen Z Desyanti, Auja Badriana; Anggraini, Ika Khusnia
Islamic Economics and finance in Focus Vol. 5 No. 4 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

The halal fashion industry in Indonesia is growing rapidly as young Muslims become more aware of the halal lifestyle. Previous studies have shown mixed results regard-ing the influence of halal lifestyle, price, and influencer marketing on the interest in buying halal fashion, indicating a research gap, especially in the context of Genera-tion Z in the digital marketplace. This study aims to analyze the influence of these three variables on the interest in purchasing halal fashion on Shopee. Using a quanti-tative approach, data was collected through an online questionnaire from 163 Gener-ation Z respondents who have Shopee accounts and have used them to search for or purchase halal fashion products. The analysis was conducted using SEM-PLS, the results show that halal lifestyle and price have a positive and significant effect on the interest in purchasing halal fashion. Conversely, influencer marketing does not have a significant effect on the interest in purchasing halal fashion. These findings indicate that Gen Z's interest in purchasing halal fashion is mainly influenced by internal and economic factors. This study provides practical implications for producers in design-ing more effective marketing strategies.
What Drives Muslim Tourist Visit Intention? An Extended TPB Perspective Salsabila, Shafa; Pimada, Laila Masruroh
Islamic Economics and finance in Focus Vol. 5 No. 3 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

This study analyzes the factors influencing Indonesian Muslim tourists' intention to visit halal tourism destinations by developing an Extended Theory of Planned Behavior (TPB) model through a behavioral economics perspective, with Service Quality as an antecedent and Religiosity as a moderating variable. This study employs a quantitative explanatory approach using a survey method of 400 Indonesian Muslim tourist respondents. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4 software with a bootstrapping method of 5,000 subsamples. The results show that seven of the eight hypotheses are supported. Service Quality has a positive and significant effect on Attitude and Perceived Behavioral Control (PBC), with the effect on PBC recording the largest effect size (f2=1.607). All three TPB components (Attitude, Subjective Norm, and PBC) significantly affect Visit Intention, with PBC as the strongest predictor. Attitude and PBC fully mediate the influence of Service Quality on Visit Intention. Religiosity does not moderate the Service Quality–Attitude relationship, but directly affects Attitude. Overall, visit decisions reflect a bounded and socially embedded economic rationality, shaped by transaction costs and social approval.
Analysis of Supply Chain Risk and Sustainability in Businesses Implementing Sharia Principles Siska Safitri; Fauzi Arif Lubis; Nur Ahmadi Bi Rahmani
Islamic Economics and finance in Focus Vol. 5 No. 4 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

This study aims to analyze the impact of natural disasters on the goods distribution and delivery process at Shopee Express Perbaungan. This study employs a descriptive qualitative method, with data collected through interviews and documentation. The results show that flooding disrupts the goods distribution process, particularly due to road access that is inundated, difficult to navigate, or unsafe for couriers. These conditions lead to route changes, increased travel time, delivery delays, and even the postponement of deliveries to certain areas until conditions become safe. These obstacles affect not only the company’s operational activities and courier performance but also have the potential to generate customer complaints and negative ratings. Therefore, delivery delays should be understood by considering the disaster conditions involved, rather than being attributed solely to courier negligence. To address these challenges, Shopee Express Perbaungan implements several measures, including using alternative routes, prioritizing deliveries based on field conditions, protecting packages, and providing information to customers. This study concludes that flooding affects the smooth distribution of goods, highlighting the need for adaptive strategies and effective communication to minimize its impact on service quality.
The Influence of Certification Literacy, Information Access, and Internship Opportunities on Students’ Careers in Islamic Insurance Industry Nazwa Rahmayani Lubis; Atika; Tri Indah Fadhila Rahma
Islamic Economics and finance in Focus Vol. 5 No. 4 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

This study aims to analyze the influence of certification literacy, access to certification information, and internship opportunities on students’ career development in the Islamic insurance industry. This research employed a quantitative approach with an associative research design. The population consisted of 116 active students from the Islamic Insurance Study Program, Faculty of Islamic Economics and Business, State Islamic University of North Sumatra, while the sample comprised 90 respondents selected using the Slovin formula with a 5% margin of error. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression with SPSS. The results indicate that certification literacy has a significant effect on students’ career development with a t-value of 2.460 and a significance value of 0.016. Access to certification information also has a significant effect with a t-value of 2.189 and a significance value of 0.031, while internship opportunities have a significant effect with a t-value of 2.874 and a significance value of 0.005. Simultaneously, the three independent variables significantly influence students’ career development with an F-value of 11.131 and a significance value of 0.000. The coefficient of determination (R Square) of 0.280 indicates that 28.0% of students’ career development is explained by the three variables, while the remaining 72.0% is influenced by other factors outside the research model. These findings provide practical implications for universities in strengthening certification literacy, expanding access to certification information, and optimizing internship programs to better prepare students for professional careers in the Islamic insurance industry.
MSME Owners’ Perceptions of Service Quality and Fairness in Water Rates at PDAM TIRTANADI: Implications for Business Sustainability on Jalan Tuasan from an Islamic Economics Perspective Shalihah, Hamidatus; Aslami, Nuri; Harahap, Muhammad Ikhsan
Islamic Economics and finance in Focus Vol. 5 No. 4 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

The availability of clean water is an important factor in supporting the operational activities and business sustainability of Micro, Small, and Medium Enterprises (MSMEs), particularly businesses that depend on water for their production processes. This study aims to analyze MSME owners' perceptions of the service quality and fairness of water tariffs provided by PDAM Tirtanadi, examine their implications for business operations and sustainability, and evaluate the findings from an Islamic economic perspective. This research employs a qualitative method with a case study approach involving MSMEs located on Tuasan Street, Medan City. Data were collected through in-depth interviews with 10 informants, direct observation, and documentation. The data were analyzed descriptively through data reduction, data presentation, and conclusion drawing. The findings indicate that PDAM Tirtanadi generally helps meet business water needs, with relatively good water quality. However, inconsistent water distribution, delays in handling service disruptions, and limited information transparency remain significant obstacles. Water tariffs are generally considered reasonable, although some business owners believe that the costs are not fully proportional to the services received during distribution disruptions. These conditions can disrupt business operations, reduce productivity, and increase operating costs. From an Islamic economic perspective, PDAM services have provided public benefits (maslahah), but the implementation of justice (al-'adl) and trustworthiness (amanah) needs improvement, particularly in maintaining service quality, distribution continuity, and information transparency.

Page 25 of 25 | Total Record : 249

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