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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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Expanding Women’s Access to The Banking Sector: Analysis of Perceptions, Behavior, Culture, and Social Class of Female Customers Towards The Effectiveness of Working Capital Financing at Islamic Banking in Palembang Maftusolikhah, Maftusolikhah; Siti Mardiyah; Erdah Litriani; Sri Delasmi
International Journal of Islamic Business and Economics (IJIBEC) Vol 1 No 2 (2017): Volume 1 Nomor 2 Tahun 2017
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v1i2.1014

Abstract

The increase in micro, small, and medium enterprise (UMKM) units managed by women has contributed a positive impact on reducing poverty rates. The data highlighting lack of female entrepreneurs of UMKM who used and/or are supported with financing facility from banks have led to some emerging questions to be discussed. This present study promotes significance, namely: 1) The effectiveness of financing tends to affect the banks’ performance through created demands; 2) The results of this study are expected to enhance the attention of Islamic banking to female customers by increasing the allocation of financing for those customers; 3) The further implication of these findings is the increase in national economic growth from the UMKM actuated by women; 4) The broader implication is the reduction of working women at high risks because of the conducive business climate in Indonesia with the support of the banking sector. Therefore, this quantitative research that was conducted with regression analysis focused on the internal factors to analyze perceptions, behavior, culture and social class of female customers towards the effectiveness of working capital financing at Islamic banking in Palembang. The findings revealed that the variable of perceptions gave a positive effect on the effectiveness of financing of 0.316, behavior showed a positive impact on the effectiveness of financing of 0.676, culture noted a positive influence on the effectiveness of financing of 0.346, whereas social class demonstrated a negative impact on the effectiveness of the financing of −0.14.
Enhancing Customer in Islamic Banking: a Case Study of Bank Syariah Indonesia’s Marketing Strategy Hidayatullah, M.F.; Bambang Irawan; Sudaryanto; Ahmad Roziq; Ma'mun, Sukron
International Journal of Islamic Business and Economics (IJIBEC) Vol 7 No 2 (2023): Volume 7 Nomor 2 Tahun 2023
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v7i2.1966

Abstract

The potential for sharia banking in Indonesia is very large because 87% of the Indonesian population is Muslim. However, sharia banking customers currently only reach 6.52% share of the national banking market. This qualitative research describes the marketing strategy of Bank Syariah Indonesia (BSI) in Lumajang Regency, East Java, BSI which increased customers by up to 35%, even though other sharia banks only reached approximately 12%. The results of this research are that BSI Lumajang implements the Islamic Leaders strategy, in addition to implementing the 7P marketing mix (product, price, promotion, place/distribution, people, processes, and physical evidence). The approach of Islamic figures is carried out by establishing friendship with Islamic religious figures, kiai who own pesantren, and village kiai who lead prayer congregations. By implementing a personal approach strategy with these kiai and religious figures, BSI succeeded in improving relationships so that they became BSI customers. The Islamic Leaders strategy succeeded in increasing customers by up to 35%, even though other sharia banks only achieved approximately 12
Ibn Khaldun's Economic Thought; The Fair Tax And Its Relevance To The Modern Economy Maulidizen, Ahmad
International Journal of Islamic Business and Economics (IJIBEC) Vol 3 No 2 (2019): Volume 3 Nomor 2 Tahun 2019
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v3i2.1661

Abstract

This research is motivated by Ibn Khaldun's thoughts on taxes. According to Ibn Khaldun, if the tax is too low, the government cannot carry out its function, if the tax is too high, the fiscal pressure becomes too strong, so the profits of traders and producers decrease and their incentives to work are lost. The purpose of this study is to find out the concept of tax management that is fair to Ibn Khaldun's perspective to build a modern economy that is just and to know how the relevance of taxes according to Ibn Khaldun with today's modern economy. This research method uses library research methods with a type of descriptive qualitative research. The data source consists of the Muqaddimah as a primary source, work or theory that discusses primary material as a secondary and complementary material from primary and secondary materials as tertiary materials. The approach in this study is a historical and philosophical approach. The method of data collection uses existing literature and analysis of data used by analysis and hermeneutical content. This study concludes that the concept of a fair tax perspective Ibn Khaldun is a tax drawn from taxpayers in accordance with the ability of taxpayers to pay it and tax withdrawal money must be used properly and fairly, according to Ibnu Khaldun when the tax burden is light, people have incentives to try to be more active. Therefore, the business world is developing, which leads to greater satisfaction among the people because of the low tax burden, while tax revenues will also increase, judging from the overall source of tax land, Ibn Khaldun's thinking about taxes is very relevant when applied to modern economic conditions nowadays, where the economic conditions are less stable, the condition of society is increasingly difficult, the prices of expensive necessities of life add to the difficulties of people's lives.
Determinants of Graduate Youth Unemployment (A Case Study in West Shoa Zone, Ethiopia) Gebisa, Diriba Ayele; Negash Geleta Etana
International Journal of Islamic Business and Economics (IJIBEC) Vol 3 No 2 (2019): Volume 3 Nomor 2 Tahun 2019
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v3i2.1573

Abstract

Today, youth unemployment is a common agenda and a critical issue of all countries; particularly in developing countries. In Ethiopia, lack of employment opportunities for educated young people is a critical development challenges facing the country. The objective of this study was to identify the determinants of graduate youth unemployment. To answer the research objective data was collected by a structured questionnaire from 312 samples of respondents, wherein a snow ball sampling technique was used and data was analysed using mixed research design, descriptive and casual design; where a binary logistic regression model used to examine the relationship between dependent and independent variables. The result indicated that amongst the nine variables of the determinants of graduate youth unemployment; education, number of graduates, work experience, career advice, market information, family income, aspire to the low-income job, and education quality, all were significantly affected unemployment rate except entrepreneurial ability. As a result, based on these findings, it can be recommended that there is a critical need for government, NGOs and all other stakeholders to work on these determinants to reduce graduate unemployment.
Islamic Economic Studies Driving Indonesia's Economy: An Epistemological Perspective Fauroni, R Lukman
International Journal of Islamic Business and Economics (IJIBEC) Vol 3 No 2 (2019): Volume 3 Nomor 2 Tahun 2019
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v3i2.1901

Abstract

This study aims to propose a scientific formula of Islamic economics that can foster growth and contribute to the national economy. This study is the result of research studies reinforced empirical data, using a content analysis with epistemological approaches. The study concluded, in epistemological, Islamic economic sciences can be developed with the inductive model empirical character in Indonesia and its localities. This Formula has two advantages; First, can parse the economic problems of the nation simultaneously and continuously. Second, the character of Indonesia and its locality to converge with the power of social economic capital owned by the Indonesian nation. With the combination, the implementation of sharia economics can promote economic stability and accelerate the pace of its contribution to the national economy.
Influence of Sharia Service Quality, Islamic Values, and Destination Image Toward Loyalty Visitors’ on Great Mosque of Demak Kasdi, Abdurrohman; Saifudin
International Journal of Islamic Business and Economics (IJIBEC) Vol 3 No 2 (2019): Volume 3 Nomor 2 Tahun 2019
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v3i2.1909

Abstract

The purpose of this study is to examine the influence of sharia service quality, Islamic values and destination image toward loyalty with visitors’ satisfaction as an intervening variable, a study on the great mosque of Demak tourism. This is field research using a quantitative approach. The data used are primary and secondary data taken with survey method. There are three independent variables, namely: (X1) the quality of sharia service, (X2) Islamic values, and (X3) the destination image. The dependent variable (Y1)/loyalty and intervening variable (Y2) are visitor satisfaction. The population of this study is all visitors orpilgrims of the great mosque of Demak in 2018. The sampling technique used is purposive sampling with 167 respondents. The results of this study indicate that: (1) the sharia service quality does not affect the loyalty, (2) the Islamic values have a direct positive and significant effect on the loyalty, (3) destination image has a direct positive and significant effect on loyalty, (4) the sharia service quality has no effect on the visitors’ satisfaction, (5) the Islamic values have no effect on the visitors’ satisfaction (6) the destination image has a direct positive and significant effect on the visitors’ satisfaction, (7) the visitors’ satisfaction has a direct positive and significant effect on the loyalty, (8) the visitors’ satisfaction does not mediate the relationship between the sharia service quality and loyalty (9) the visitors’ satisfaction does not mediate the relationship between the Islamic values and loyalty, and (10) the visitors’ satisfaction mediates part of the relationship between destination image and loyalty.
The Importance of Maqashid Sharia as A Theory In Islamic Economic Business Operations Nurhadi, Nurhadi
International Journal of Islamic Business and Economics (IJIBEC) Vol 3 No 2 (2019): Volume 3 Nomor 2 Tahun 2019
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v3i2.1635

Abstract

This article discusses the urgency of maqashid wisdom in the operation of Islamic economic business. The rapid development of Islamic economics and finance in the contemporary era, many problems have arisen, such as hedging, sukuk schemes, repos, syndicated financing between Islamic banks or with conventional banks, restructuring, indent property financing, ijarah maushufash fiz zimmah, multi financing use, credit card design, maqashid from annuity, bargain, net revenue sharing, gold installments, gold investment and other new cases. The application of the wisdom of the maqashid shari`ah is an elaboration of the great maqashid (goal), namely hifzu al-Mal (safeguarding wealth) and fulfilling the purpose and mashlahah of wealth. Maintaining and maintaining the intentions of these assets sometimes in terms of how to get it (min janibi al-wujud) or in terms of maintaining assets that are already owned (min janibi al-‘adam). Hifzu al-Mal is a family of methods in the field of muamalah, this method is translated by Maqashid syari`ah ammah (general purposes) and Maqashid khassah (special purpose) also called maqashd juz’iyyah, which is very numerous and countless. Maqashid khassah is the result of Istiqra 'of the scholars towards the texts and the laws of shari'ah and results in certainty (qath'i) that this Shari'a establishes it as a goal that has consequences and implications. So in the operation of sharia economic business the wisdom of maqashid sharia is that the benefit must be secured and based on shariah principles, even though the Islamic economic business transactions by establishing the benefits that are in accordance with the sharia and the proposition as well as the interfaith of the minkum (the pleasure of the same pleasure) in accordance with the sharia agreement, even though the law is debated, for example bai ad-dayan contract, bargaining contract and others.
Highlighting the Links between Islamic Accounting and the Cash Waqf Saidu, Oluwaseun Sulaiman
International Journal of Islamic Business and Economics (IJIBEC) Vol 3 No 2 (2019): Volume 3 Nomor 2 Tahun 2019
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v3i2.1404

Abstract

The paper explores and ultimately highlights the link between the two concepts via a diachronic approach, tracing the Islamic institution of the cash Waqf and its book keeping activities thereby garnering sufficient evidence to conclude that the Islamic Accounting is in fact an old concept as it has been used in the accounting for Cash Waqf in the Ottoman times and in relatively recent times. Implication wise, understanding the accountability rudiments relative to Islamic institutions would go a long way in bolstering these institutions and ensuring their survival intergenerationally.
The Influence of Halal Certification, Halal Awareness, and Brand Image on Interest in Buying Halal Food Products: An Empirical Study of Consumers in Indonesia Djakasaputra, Arifin; Juliana; Aditi, Bunga; Fachrurazi; Mas’ad, Muhammad Aunurrochim
International Journal of Islamic Business and Economics (IJIBEC) Vol 7 No 2 (2023): Volume 7 Nomor 2 Tahun 2023
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v7i2.2003

Abstract

This study aims to determine the effect of variables on halal certification, halal awareness, brand image, and intention to buy halal food products. This research is a study of consumers of halal products. The data in this study were obtained by distributing online questionnaires to respondents who were consumers of halal products in Indonesia. The quantitative approach uses surveys as primary data and data analysis using structural equation modelling (SEM). Respondents in this study were consumers of halal products, with a total of 480 respondents who were consumers of halal food products. The method used in the sampling of respondents was purposive sampling with the criteria of having bought halal food. Collecting data by using research instruments, data analysis is quantitative. The data analysis method used in this study uses descriptive analysis to identify characteristics and the Structural Equation Modeling (SEM) analysis method with SmartPLS 3.2.6 software. The analysis in the SEM model can be divided into two stages, namely, the measurement model and the structural analysis model. The results showed that halal certification has a positive effect on purchase intention. Halal certification has a positive effect on brand image. Brand image has a positive effect on purchase intention. Halal awareness has a positive effect on purchase intention. Halal certification positively and significantly affects purchase intention through brand image.
Knowledge and Determinants Factors in Selecting to Islamic Rural Banks Firmansyah, Egi Arvian; Amelia Rizky Alamanda; Teguh Santoso
International Journal of Islamic Business and Economics (IJIBEC) Vol 4 No 1 (2020): Volume 4 Nomor 1 Tahun 2020
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v4i1.1883

Abstract

The aims of this research are fourfold. First, it aims to identify the source of knowledge of the respondents on Islamic rural banks. Second, this research aims to study the factors considered important by the respondents in selecting Islamic rural banks. Third, this research studies the level of knowledge and awareness of the respondents on the products or contracts of Islamic rural banks. Finally, this paper aims to compare the respondents’ knowledge and awareness based on gender, education level, and period of banking in Islamic rural banks. We disseminated questionnaire to 285 customers of Islamic rural banks in several cities in West Java, Indonesia. This research uses descriptive and quantitative methods using a t-test. We found that our respondents attained knowledge in Islamic rural banks in college, and the most substantial factor affecting them to choose Islamic rural banking is not sharia compliance. In fact, it is the economic factor. Qardhul Hasan, wadiah, and mudharabah are the three most popular contracts among our research respondents. Finally, the level of knowledge and awareness about these three contracts are not significantly different between male and female, between different education levels, and between the banking periods of the customers.

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