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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 121 Documents
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The Role of Sharia-Compliant KUR Super Micro Financing in Enhancing MSME Income and Business Development: A Case Study from Bank Syariah Indonesia Hasan Jan, Radlyah; Usman, Miranda Suhardi; Niu, Fitria Ayu Lestari; Karundeng, Frandy Efraim Fritz
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.v9i1.12204

Abstract

This study aims to evaluate the impact of the KUR Super Micro program on the income of MSEMs financed by Bank Syariah Indonesia Mantos Branch, with a focus on financial inclusion through Sharia-compliant models. It employs a qualitative case study approach, involving detailed interviews with five MSME entrepreneurs and BSI financing officers, direct observations, and document reviews. The findings reveal that before financing, most MSMEs earn IDR 2-3 million monthly; the income increases to IDR 3-6 million after receiving KUR Super Micro Funding. This rise is linked to better inventory management, upgraded equipment, and operational efficiency. All informants repay financing comfortably, with business growth leading to job creation and improved customer satisfaction. The results highlight the KUR Super Micro as a vital tool for empowering MSMEs economically and socially while endorsing Sharia-compliant financial inclusion, suggesting policymakers should continue and expand such financing programs to stimulate entrepreneurship and economic development.
KESIAPAN STANDAR OPERASIONAL MANAJEMEN SEBAGAI DASAR KESIAPAN MENGADOPSI INDUSTRI 4.0: STUDI KOPERASI SYARIAH DI JAWA BARAT INDONESIA Hennidah Karnawati; Purwihartuti, Koernia; Tia Fahmi Angestiwi; Kristianingsih
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.v9i1.9235

Abstract

The aim of this research is evaluates the management operational standard and the level of readiness of Sharia Cooperatives in West Java for adopting the Industrial 4.0. Method: descriptive surveyed to 191 sharia cooperative practitioners,interviewed the leaders of 39 sharia cooperatives,reviewed sharia government regulations including MUI Fatma. The data processing used descriptive analysis. Result: Empirical facts show that all sharia cooperatives already have management operational standard but not yet connected with the readiness to adopt industry 4.0; then the highest ready indicator is “consistently to AD/ART, SOM, SOP, and policy patterns while the lowest ready is “use of Electronic signatures as a verification and authentication tool.” Conclusion: The management operational standard should be always adjusted with the provisions for the use of technology to provide maximum services. The implication of this research that government issues policies for Islamic cooperative managers to implement management operational system (MOS), containing provisions that require IoT technology.
Strategic Management Analysis of the Halal Certification Program Implementation in Surabaya Yazid , Muhammad; Ismatul Khayati; Prasetyo, Aji
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 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.v9i2.9230

Abstract

This study aims to analyze the strategic management process in implementing the halal certification program by the Ministry of Religious Affairs of Surabaya City. The research specifically focuses on evaluating the alignment between policy formulation and local implementation using four analytical dimensions: consistency, consonance, advantage, and feasibility. A qualitative descriptive approach was employed through in-depth interviews, direct observations, and document analysis involving halal facilitators (P3H), ministry officials, and MSME representatives. The findings reveal that while the Surabaya City Office of the Ministry of Religious Affairs has aligned its operations with the national halal certification strategy established by BPJPH, challenges persist in stakeholder participation, resource adequacy, and digital integration. The study highlights that consistency and institutional advantage are relatively strong, whereas consonance and feasibility require reinforcement through clearer coordination and performance-based incentives. Theoretically, this research contributes by integrating Islamic ethical principles—amanah (trust), ihsan (excellence), and maslahah (public welfare)—into the framework of strategic management, thus providing a holistic model for public-sector halal governance and offering practical implications for improving local policy implementation and institutional performance.
Poverty Alleviation Through Zakat Impact: MSMES and The National Zakat Collection Agency (BAZNAS) Studies Afif, Ahmad; Syafei, Ade Wirman; Katamsi, Etom
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 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.v9i2.10471

Abstract

This research examines Islamic philanthropic zakat schemes as funding mechanisms to strengthen poverty alleviation efforts. A zakat distribution model centred on Micro, Small, and Medium Enterprises (MSMEs) will be proposed as a key recommendation for stakeholders, particularly zakat communities and MSMES actors. This methodology employs quantitative analysis of secondary data, collected via a probability sampling approach to ensure all components or samples have an equal likelihood of inclusion. Data analysis is conducted using Partial Least Squares Structural Equation Modelling (PLS-SEM) via SmartPLS software. For the findings, All hypotheses were accepted with an average significant correlation, indicating robust mutual effects among latent variables. However, the 2024 poverty gap identified by the National Zakat Collection Agency (BAZNAS) necessitates implementing collaborative zakat-MSMEs schemes. The Key MSMEs indicators include digital ecosystems, production growth, and value-added sharing. The paper urges national zakat systems, MSMEs, and communities to align MSMEs programmes with zakat distribution frameworks to optimise poverty reduction.
Gamified Financialization in The Light of Islamic Behavioural Economics: Psychological and Ethical Dimensions of Speculative Behaviour in Virtual Asset Markets Said, Muhammad; Andi Kiki Patmawati; Minhajuddin Madi; Sry Muliyani; Andi Dinul Islam Firdaus
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 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.v9i2.12596

Abstract

The phenomenon of gamification in virtual asset trading has transformed investment behavior into an activity driven by psychological mechanisms such as Fear of Missing Out (FOMO), overconfidence, herding behavior, and loss aversion. This study aims to analyze how gamified design in digital trading platforms fosters speculative behavior that violates Islamic ethical principles such as tawazun (balance between risk and benefit), gharar (excessive uncertainty), and maisir (gambling). Employing a qualitative approach through a systematic literature review of academic journals and industry reports, the study finds that features such as real-time notifications, leaderboards, and reward animations increase trading frequency, risk-taking, and market volatility. These dynamics create asymmetry in risk and reward, disproportionately harming low-literacy retail investors. The study concludes that digital financial innovation must be balanced with ethical regulation, financial literacy, and maslahah-based design to ensure market justice and sustainability in line with Islamic economic principles. This research contributes to strengthening Islamic financial ethics and integrating maqasid al-shariah values into modern digital finance innovation
Organizational Factors Affecting Law Enforcement Loyalty: An Islamic Leadership Perspective Using SEM-PLS Approach Rowiyani; Khoerul Soleh; Latifah; Cahyani Tunggal Sari; Muhammad Haikal Darmawan
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 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.v9i2.12645

Abstract

This study aims to analyze the influence of organizational factors—workload, institutional policy support, leadership, competency and training, and incentives—on human resource loyalty within law enforcement institutions, viewed through an Islamic leadership perspective. Employing a quantitative approach with a survey design, data were collected from 100 law enforcement officers involved in narcotics prevention and eradication efforts in Semarang City, Indonesia. The data were analyzed using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) method. The results reveal that leadership has the strongest and most significant effect on human resource loyalty, followed by incentives and institutional policy support, while competency and training, and workload show weaker effects. The model demonstrates a very high explanatory power, with an R² value of 0.975, indicating that organizational factors collectively account for 97.5% of the variance in human resource loyalty. The findings highlight that leadership characterized by amanah (trustworthiness), adl (justice), and ihsan (excellence) is the cornerstone of employee commitment and institutional harmony. Fair incentives and consistent policy support further enhance loyalty through organizational justice and collective welfare (maslahah). This study contributes to the enrichment of Islamic Human Resource Management (IHRM) literature by integrating ethical and spiritual dimensions into the understanding of loyalty. Practically, it emphasizes that leadership grounded in Islamic ethics, supported by fair institutional structures, fosters not only professional dedication but also barakah (divine blessing) and sustainable organizational integrity.
Empowering the People’s Economy through MSMEs: Evidence from East east Kotawaringin, Central Kalimantan Indonesia Mutmainah, Mutmainah; Muzalifah, Muzalifah; Helim, Abdul; Mawar Ardiansyah
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 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.v9i2.12052

Abstract

This study aims to analyze the role of Micro, Small, and Medium Enterprises (MSMEs) in empowering the people’s economy in East Kotawaringin Regency, Central Kalimantan, from the perspective of Islamic economics, particularly based on Surah An-Nisa (4:29). The research employs a qualitative descriptive-analytical approach using library research and supported by limited semi-structured interviews with MSME actors, local government officials, and community religious leaders. Data were analyzed through content and thematic analysis to integrate normative Qur’anic principles with empirical findings. The findings reveal that MSMEs play a strategic role in economic empowerment through employment creation, income generation, and poverty reduction. Optimization can be achieved through human resource development, access to sharia-compliant financing, digital marketing expansion, technological innovation, and halal product certification. Qur’anic values emphasize justice, transparency, mutual consent, and sustainability in economic activities. MSME empowerment grounded in Islamic principles contributes not only to regional economic growth but also to ethical and inclusive development, strengthening the people’s economy in a sustainable manner.
Productive Zakat as an Instrument for Business Development Strategy: An Analytical Hierarchy Process (AHP) Study in South Kalimantan Indonesia Yusuf Asyahri; Atika Zahra; Annisa Sayyid; Annisa Mahfuzah; Faqih El Wafa; Hafizi, Muhammad Riza
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 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.v9i2.12486

Abstract

This study aims to identify and prioritize development strategies for Micro, Small, and Medium Enterprises (MSMEs) supported by productive zakat in South Kalimantan Province, Indonesia. Despite their significant contribution to regional economic growth, MSMEs continue to face challenges related to poverty and limited access to productive financing. Employing a descriptive–analytical approach, this study adopts a mixed-methods sequential explanatory design and applies the Analytical Hierarchy Process (AHP) to determine strategic priorities across MSME clusters. The results reveal notable differences in priority strategies among clusters. Government involvement, particularly through the National Zakat Agency (BAZNAS), is identified as the most influential factor in sustaining the MSME business ecosystem. Priority criteria include product quality improvement for Cluster I and human resource development for Clusters II and III. The preferred strategic alternatives emphasize enhancing human resource skills for Clusters I and II, while expanding market access through improved production and marketing channels is prioritized for Cluster III. These findings imply the need for cluster-based productive zakat allocation and financing schemes to strengthen zakat effectiveness as an Islamic social finance instrument.
Capital Market Development, ICT Adoption, and Sustainable Growth of MSMEs in Nigeria: An ARDL Approach Abdulaziz, Aisha; Mavuri, Sudha; Yusuf, Jamiu Adeniyi; Arwani, Agus; Happy Sista Devy
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 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.v9i2.12504

Abstract

This study examines the impact of capital market development and information and communication technology (ICT) adoption on the growth and sustainable development of Micro, Small, and Medium Enterprises (MSMEs) in Nigeria within the framework of the Sustainable Development Goals (SDGs). Given the critical role of MSMEs in employment creation, income generation, and inclusive economic growth, the study investigates whether capital market deepening and digital transformation significantly enhance enterprise performance and long-term viability. Using the Securities and Exchange Commission (SEC) as an institutional reference, the analysis employs the Autoregressive Distributed Lag (ARDL) cointegration approach to estimate both long-run and short-run relationships among market capitalization, ICT penetration, financial inclusion, inflation, and MSME output. The empirical findings confirm the existence of a stable long-run relationship among the variables. Capital market development exerts a positive and statistically significant effect on MSME growth, indicating that improved access to market-based financing supports enterprise expansion and productivity. ICT adoption also demonstrates a strong and significant positive impact, highlighting the role of digital technologies in enhancing operational efficiency, market access, and competitiveness. However, sustainable development indicators exhibit mixed effects on MSME outcomes, suggesting a misalignment between macro-level SDG implementation strategies and enterprise-level realities. Overall, the results underscore the importance of strengthening ICT infrastructure, deepening capital market accessibility, and promoting inclusive financial systems to enhance MSME resilience and ensure their long-term contribution to sustainable economic growth in Nigeria
Determinants of Islamic E-Wallet Adoption Among University Students: Evidence from Digital Islamic Literacy and Social Influence Ainun; Fitri Hidayanti , Nur; Ariani, Zaenafi; Magomed Tazhdinov
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 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.v9i2.12964

Abstract

This study aims to analyze the relationship between Islamic digital literacy and social influence on the acceptance of Islamic digital wallets among students, as well as to examine the role of Islamic digital literacy as a factor that strengthens this relationship. The method used is quantitative with a survey approach of 54 Muhammadiyah University Mataram students selected at random. The instrument used was a five-point Likert questionnaire, with data analysis using descriptive tests, normality tests, multiple linear regression, and ANOVA through IBM SPSS. The results of the study indicate that Islamic digital literacy (X1) and social influence (X2) have a positive and significant effect on students' interest in using Islamic digital wallets (Y1), with an R² value of 0.651 and significance p < 0.001, and the largest contribution came from social influence (β = 0.443) compared to Islamic digital literacy (β = 0.434). These findings confirm that Islamic digital literacy and social influence simultaneously increase the acceptance of sharia-based financial services. Practically, the research results provide a basis for strengthening strategies for education and promotion of digital Islamic financial literacy, as well as the integration of a social influence-based approach to expand Islamic financial inclusion among the younger generation.

Page 12 of 13 | Total Record : 121

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