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Mohammad Rosyada
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International Journal of Islamic Business and Economics (IJIBEC)
Published by Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
ISSN : 25993216     EISSN : 2615420X     DOI : https://doi.org/10.28918
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Environmental Science
Focus: Islamic Economics and Small and Micro Enterprises Scope: The scope of this journal encompasses the integration of Islamic Economics especially on Small and Micro Enterprises (SMEs) and local economies. It focuses on: 1.Analyzing the influence of Islamic values on consumer perceptions, preferences, and behaviors. 2. Application of Islamic economic principles for the growth of MSMEs and local economies. 3. Evaluation of the contribution of Islamic financial institutions such as Sharia banks, waqf, and other Islamic financial practices in supporting MSMEs. 4. Investigation into communication, branding, and distribution strategies grounded in Islamic principles. 5. Comprehensive literature reviews and empirical studies including case studies on consumer preferences and Islamic economic practices in sectors like halal food, halal tourism, Muslim fashion, and halal beauty products. 6. Analysis of policies and regulations that facilitate the implementation of Islamic economic principles in local economic growth. 7. Methodological approaches such as surveys, interviews, observations, field studies, and quantitative data analysis to assess the impact of these strategies on customer loyalty, business success, and economic prosperity. 8. Openness to exploring additional themes related to Islamic economics.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 116 Documents
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The Determinants of Tourist Visiting Interest in Sade Village Tourism Central Lombok Lahuri, Setiawan Bin; Putri, Sri Firda Rahmi Aliya; Sup, Devid Frastiawan Amir; Saleh, Muhammad Aunurrochim Bin Mas'ad
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 1 (2025): Volume 9 Nomor 1 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i1.9292

Abstract

This research aims to find out the influence of Destination Image and Service Quality on tourist Visiting Interest with Halal Attributes as intervening variables, as the determinants of tourist Visiting Interest in Sade Village Tourism Central Lombok. The increase in the Muslim population in the world has made halal tourism an increasingly important global phenomenon, considering the changing interest of tourists in a more holistic tourism experience based on religious values. Lombok is the only Indonesian region with the first Regional Regulation (PERDA) about halal tourism. This research is quantitative research with a Structural Equation Modeling (SEM) approach using SmartPLS software (v.3.2.9) with 97 respondents used as a sample. Data analysis techniques are used descriptive analysis, outer model measurement, inner model measurement, and hypothesis test. The result is, first, that Destination Image positively and significantly affects Visiting Interest. Second, there is no positive or significant influence of Service Quality on Visiting Interest. Third, Destination Image and Service Quality positively and significantly influence Visiting Interest in Sade village tourism through Halal Attributes. The implication is, first, the academics and policymakers should constantly monitor, evaluate, and complete all shortcomings in the facilities and infrastructure of Sade village tourism. This can provide comfort and satisfaction for the local community or tourists and increase the interest in tourist visits. Second, the practitioners (Sade village tourism managers) must continually improve the quality of services and infrastructure that can support tourists' needs, providing satisfaction that can later impact an increase in tourist visits.
Enhancing Sustainability of Batik MSMES Through Product Innovation and E-Commerce: A Case Study of Seberang Jambi Indonesia Muazza; Markim, Mayasari; Siti Syuhada; Fachruddiansyah Muslim
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 1 (2025): Volume 9 Nomor 1 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i1.9902

Abstract

This study examines the implementation of product innovation and e-commerce strategies in managing batik SMEs using a sustainability industry approach in Seberang, Jambi City. The study aimed to analyze how product innovation and digital marketing can support them, to explore their understanding and implementation of product innovation and e-commerce, as well as the challenges and sustainability outcomes. Data were collected through the following triangulation methods: observations were carried out during visits to batik workshops and SME locations, literature and document reviews relevant, and semi-structured interviews with in-depth Interviews were conducted with selected owners and managers of batik SMEs in Seberang Kota Jambi. The results showed that innovation in batik design, the use of eco-friendly materials, and the development of Jambi-specific motifs increased the market value of batik, strengthened cultural identity, and appealed to environmentally conscious consumers. On the other hand, e-commerce helped SMEs expand their market reach nationally and internationally, allowing them to compete more effectively. However, several challenges remain, including limited capital for innovation, low digital literacy among business owners, and a lack of policy support from the government. These barriers hindered the full adoption of innovation and digital strategies. Theoretically, this research contributed by enriching the concept of product innovation with a cultural and sustainability-based perspective, expanding the application of e-commerce theory to traditional MSMEs, and reinforcing sustainability theory in the creative industries rooted in local heritage. Moreover, it introduced a new managerial model that integrated local cultural values with modern digital business strategies, offering a practical framework for sustainable development in traditional SME sectors.
Sharia Technopreneurship: MSME Growth And Gen Z Income In Palembang's Digital Era Pratama, Chici Rima Putri; Zakaria, Nor Balkish; Junaidi, Heri; Riski, Oki Sania; Pratiwi, Anggun Widya; Astaman, Ananda Putra
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 1 (2025): Volume 9 Nomor 1 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i1.10169

Abstract

This study aims to analyze the impact of the Sharia Technopreneurship Revolution on MSME (Micro, Small, and Medium Enterprises) growth and income generation among Generation Z in the digital era in Palembang. In the face of rapid technological advancement, Sharia technopreneurship is emerging as a crucial business model that integrates technological innovation with Sharia compliance, thereby fostering sustainable economic growth. Generation Z, characterized by their digital proficiency, plays a vital role in leveraging technology to create new economic opportunities while adhering to Islamic business ethics. A mixed-method research approach is employed, combining quantitative surveys and qualitative interviews. The sample consists of 75 MSME owners and operators selected using the Slovin formula, ensuring representative data collection. Quantitative analysis utilizes multiple regression to assess the impact of technopreneurship on MSME growth and income, while qualitative insights provide a deeper understanding of business adaptation to digitalization. Findings indicate that MSME entrepreneurs in Palembang apply Sharia principles, leading to increased consumer trust and business sustainability. Moreover, the adoption of digital platforms significantly enhances their revenue streams. This study contributes to academic discourse on Islamic entrepreneurship and offers policy recommendations for MSME development.
Digital Transformation and Climate ChangeAwareness: Mediated Impact on Financial Performance via Green Technology SMEs Fatmah, Dinda; Rahmah, Mirhamida; Rahmah, Yusriyah; Rahmah, Zakiyah Zulfa; Putri, Karina Ananda; Purnama, Chamdan
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 1 (2025): Volume 9 Nomor 1 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i1.10205

Abstract

This study investigates the direct and indirect effects of digital transformation and climate change awareness on SME financial performance, with green technology adoption serving as a mediating variable. Drawing from stakeholder theory and the resource-based view, this research addresses a key gap in understanding how digital and environmental initiatives interact within halal-oriented small businesses. Empirical data from 192 halal food SME owners and managers in East Java were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) across 32 indicators. Findings reveal that digital transformation significantly enhances both green technology adoption and financial performance, underscoring its strategic value in expanding market access and operational efficiency. While climate change awareness strongly encourages green technology adoption, it lacks a direct financial impact. Notably, green technology adoption shows a negative effect on financial performance, likely due to high initial costs and integration challenges. The study contributes to the literature by demonstrating the complex trade-offs between environmental innovation and profitability in emerging market SMEs. It suggests that digital strategies may serve as a bridge toward sustainability without undermining financial goals. Practical implications include the need for targeted government incentives and support mechanisms to offset green transition costs and bolster competitive resilience in halal food SMEs.
Enhancing Financial Inclusion in the MSME Sector: An Investigation of Fintech Adoption in Indonesia through Structural Equation Modeling Vidya Purnamasari; Seprillina, Linda; Qurrata, Vika Annisa; Sarmidi, Tamat; Cahayati, Nila
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 1 (2025): Volume 9 Nomor 1 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i1.11307

Abstract

This study aims to critically analyze the determinants of fintech adoption among micro, small, and medium-sized enterprises (MSMEs) in Indonesia, utilizing the robust Structural Equation Modelling (SEM) method. Financial Technology (fintech) represents a disruptive innovation that is transforming traditional banking and financial services by integrating digital financial products and services, including payment transactions and security systems such as e-payments, peer-to-peer lending, remittances, crowdfunding, and retail investment. The research focuses on four key variables: the Decision to Use Fintech (DUF) as the dependent variable, and three independent variables —Perceived Ease of Use of the Fintech Platform (POE), Perceived Risk (POR), and Benefits Offered/Sales Promotion (BP). Data was collected via surveys from owners and managers of MSMEs in Malang City, East Java, Indonesia. The findings reveal that the ease of use and time-saving features of fintech significantly influence adoption decisions among MSMEs, underscoring its positive impact on business operations and economic efficiency. Conversely, perceived risks and promotional benefits were found to have no significant effect on the decision to adopt fintech platforms.
The Influence of Digital Transformation Based on Religious Ethics on MSME Performance in the Industry 4.0 Era Shofiyuddin, Muhammad; Nurhayati, Siti; Marlinah Manggor, Enny; Zahro
International Journal of Islamic Business and Economics (IJIBEC) Vol 8 No 2 (2024): Volume 8 Nomor 2 Tahun 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v8i2.8853

Abstract

The rapid advancement of Industry 4.0 necessitates that Micro, Small, and Medium Enterprises (MSMEs) adopt digital transformation to enhance competitiveness and long-term sustainability. However, in regions where religious values significantly shape business practices, digital transformation must align with ethical considerations. This study examines the impact of digital transformation, moderated by religious ethics, on MSME performance in Pekalongan City, Central Java, Indonesia. Employing a quantitative approach with a census method, the research surveyed 180 MSMEs that have integrated digital technologies while adhering to religious ethical principles. Data analysis was conducted using Structural Equation Modeling - Partial Least Squares (SEM-PLS) with WarpPLS 8.0 software. The findings indicate that digital transformation significantly enhances MSME performance, with religious ethics playing a crucial role in reinforcing ethical decision-making and ensuring business sustainability. Additionally, religious ethics moderate the relationship between digital transformation and business performance, fostering trust, accountability, and social responsibility. This study underscores the need for policy interventions, improved digital literacy, and enhanced infrastructure to facilitate MSME digitalization. By bridging the gap between digital transformation and ethical business practices, the research contributes to the disclosurse on sustainable MSME development within Islamic economic frameworks.
The Impact of Compensation and Religiosity on Fraudulent Behavior in MSMEs: The Role of Islamic Work Ethics as a Moderator Faisal, Yusuf; Herawati, Mesi; Athaillah, Ahmad; Gumala Sari, Egi
International Journal of Islamic Business and Economics (IJIBEC) Vol 8 No 2 (2024): Volume 8 Nomor 2 Tahun 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v8i2.8890

Abstract

This study aims to obtain empirical evidence on the effect of compensation and religiosity on fraudulent behavior with Islamic work ethics as a moderating variable. This study uses a quantitative research type. This study used a questionnaire distributed to MSMEs in West Java, namely 350 questionnaires distributed directly. Each questionnaire distributed contains 114 statements that respondents must answer. From the distribution of the questionnaire, 207 respondents provided answers. To obtain the results of this study, the researcher used PLS-SEM Version 3.0. This study found that compensation has a significant negative effect on fraudulent behavior, religiosity has a significant negative effect on fraudulent behavior, Islamic work ethics cannot moderate the relationship between compensation and fraudulent behavior, and Islamic work ethics moderates the relationship between religiosity. It cannot moderate the relationship between fraudulent behavior. This research provides information regarding fraudulent behavior, which is new research discussing the relationship between religiosity, which is the basis of the character of the Prophet Muhammad SAW
Greatest Income Strategy Through Empowerment of Informal Sector Women Entrepreneurs Based on Jambi Malay Culture with the Sustainable Livelihood Framework Approach Mayasari, Mayasari; Syuhada, Siti; Muslim, Fachruddiansyah
International Journal of Islamic Business and Economics (IJIBEC) Vol 8 No 2 (2024): Volume 8 Nomor 2 Tahun 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v8i2.8891

Abstract

This study examines the development of an effective income-maximization strategy by empowering informal sector women entrepreneurs in Jambi, Indonesia, through the Sustainable Livelihood Framework (SLF) approach. It addresses critical challenges including limited access to economic resources, socio-cultural constraints, and policy gaps that hinder women's full participation in entrepreneurship. The research explores the intersection of Jambi Malay cultural values with livelihood assets and empowerment initiatives to enhance women's income generation. Employing a qualitative methodology with a case study approach, the research utilizes in-depth interviews, participatory observation, and document analysis. The findings demonstrate that SLF serves as a valuable analytical tool for understanding the interplay of social capital, human capital, and cultural ethics in income generation. Key determinants of success include access to capital, culturally embedded business practices, product innovation, and strong social networks. However, barriers such as technological illiteracy and inadequate financial infrastructure persist. This study contributes to the discourse on women's economic empowerment by showcasing how culturally embedded frameworks can enhance resilience and optimize income generation. It offers strategic insights for policymakers, practitioners, and stakeholders to develop inclusive and sustainable empowerment programs tailored to local contexts.
Exploring the Importance of Halal Tourism: Cultural Influences on Travel Accommodation Choices Among Middle-Class “Santri” in West Java Amin, Ali; Semmawi, Ramli; Dewi , Subkhani Kusuma
International Journal of Islamic Business and Economics (IJIBEC) Vol 8 No 2 (2024): Volume 8 Nomor 2 Tahun 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v8i2.8894

Abstract

This article aims to investigate the limited development of Syariah-certified hotels in Indonesia despite the country’s substantial potential in the global halal tourism market. Indonesia has actively promoted halal certification in the accommodation and hospitality industries, supported by central and regional governments. These initiatives align with Islamic hospitality principles, including halal-certified food, the prohibition of alcohol, modest dress codes for employees, and gender-segregated facilities. However, despite the rising discourse on halal tourism, the number of Syariah-certified hotels remains disproportionately low. This study seeks to understand why this gap exists and how the Muslim community perceives Syariah-compliant accommodations. Observations and interviews with 38 middle-class santri groups in West Java, particularly in the Jabodetabek area, reveal that their choice of accommodation is influenced more by cultural factors than religious ideology. Despite being religiously literate, many santri do not prioritize Syariah hotels when traveling. These findings highlight a disconnect between the supply of and demand for Syariah hotels, providing insights into the cultural and practical challenges facing halal tourism development in Indonesia.
The Mediating Role of Non-Performing Financing (NPF) in the Financial Performance of Islamic Commercial Banks in Indonesia Muthmainnah, Muthmainnah; Tiara, Tiara; Kartini, Titin
International Journal of Islamic Business and Economics (IJIBEC) Vol 8 No 2 (2024): Volume 8 Nomor 2 Tahun 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v8i2.9269

Abstract

This study explores the impact of mudharabah and ijarah financing on the financial performance of Islamic commercial banks in Indonesia, with Non-Performing Financing (NPF) as a mediating variable. It addresses the challenge of maintaining profitability while managing financing risks in Indonesia's Islamic banking sector. Using a quantitative approach, secondary data from 2021 to 2023 were analyzed, sourced from the Financial Services Authority (OJK) and financial reports of Islamic banks. Path analysis with IBM AMOS 22 was conducted to assess the direct and indirect effects of these financing types on Return on Assets (ROA). The results show that mudharabah financing does not significantly affect NPF or ROA, while ijarah financing has a significant negative impact on both. NPF plays a key role as a mediating variable, with a total indirect effect of 47.5% on profitability. However, the size of this effect requires further validation through alternative models. These findings contribute to Islamic banking literature by identifying NPF as a crucial link between financing risks and bank profitability. The study emphasizes the importance of managing ijarah and mudharabah contracts carefully to enhance the financial resilience and sustainability of Islamic banks, especially in the post-pandemic recovery phase.

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