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International Journal of Islamic Finance (IJIF)
Published by Universitas Islam Negeri Sunan Kalijaga Yogyakarta
ISSN : -     EISSN : 30318068     DOI : https://doi.org/10.14421
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
International Journal of Islamic Finance (IJIF) is open access, peer-reviewed journal whose objective is to publish original research papers related to Islamic Finance. The studies highlight Islamic Finance issues like Complexity of Shariah Compliance, Lack of Standardization, Limited Product Diversity, Risk Management Challenges, Costs and Profitability, Innovation and Technology, Global Regulatory Framework, Lack of Awareness, Ethical Concerns, Integration with Conventional Finance. Despite these challenges, Islamic finance has been steadily growing and evolving. Efforts are being made to address these issues and promote greater awareness and adoption of Islamic financial principles in both Muslim-majority and non-Muslim-majority countries.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 3 Documents
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Search results for , issue "Vol. 4 No. 1 (2026): May 2026" : 3 Documents clear
Modeling the Determinants of Islamic Banking Adoption Among Indonesian Civil Servants: A Multigroup Structural Equation Modeling Approach Hasan, Zulfikar
International Journal of Islamic Finance Vol. 4 No. 1 (2026): May 2026
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/m76jbj76

Abstract

Background: Despite Indonesia being the world’s largest Muslim-majority country, the penetration of Islamic banking remains low, especially among civil servants who represent a strategic and financially literate segment. Limited understanding of behavioral, technological, and trust-related factors constrains the expansion of Islamic banking in this group. Objectives: This study aims to model the determinants influencing Sharia banking adoption among Indonesian civil servants by examining the effects of religiosity, perceived usefulness, service quality, trust, social influence, and financial literacy on behavioral intention and actual usage behavior. Novelty: The study integrates the Theory of Planned Behavior (TPB), the Technology Acceptance Model (TAM), and trust-based frameworks into a unified model specifically tailored for public-sector employees. It contributes to the literature by offering empirical evidence on Islamic banking adoption within an underexplored yet influential demographic segment. Research Methodology / Design: A quantitative approach using Structural Equation Modeling (SEM) and Multigroup Analysis (MGA) was employed. Data were obtained through a nationwide survey of 412 civil servants representing diverse educational and employment backgrounds. Findings: Trust and religiosity emerged as the strongest determinants of adoption intention, followed by perceived usefulness, service quality, financial literacy, and social influence. Behavioral intention significantly affected actual usage. Multigroup analysis revealed gender, education, and institutional differences in adoption behavior. Implications: The study advances theoretical understanding of Islamic banking adoption and offers practical insights for policymakers and Islamic financial institutions to enhance financial literacy, trust, and service quality among civil servants.
Predicting the Future of Halal Industry through Search Engine Analytics: A Maqashid Shariah Framework Koswara, Asep; Nurbilla, Anisa
International Journal of Islamic Finance Vol. 4 No. 1 (2026): May 2026
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/xwbrej23

Abstract

   Background: The global halal industry has transformed from a faith-based sector into a dynamic, multi-sectoral market encompassing food, cosmetics, tourism, and Islamic finance. Rapid digitalization and online consumer behavior have reshaped market demand, yet most analyses remain descriptive, overlooking predictive insights and ethical evaluation through Islamic economic frameworks.  Objectives: This study aims to predict future trends in the global halal industry from 2026 to 2030 by analyzing search engine data (2020–2025) within a Maqashid Shariah framework. It seeks to bridge digital consumer behavior with Islamic economic values and sustainability, providing evidence-based foresight across halal sectors.  Novelty: This research pioneers the integration of search engine analytics and Maqashid Shariah as a predictive framework, filling gaps in the literature where empirical digital trends are rarely interpreted through Shariah objectives. It uniquely combines time-series forecasting with ethical evaluation to inform strategic decision-making in the halal economy.  Research Methodology / Design: A mixed-methods approach was applied. Quantitative analysis utilized Google Trends to capture global search interest in “halal food,” “halal cosmetics,” “halal tourism,” and “Islamic finance” from 2020–2025. Time-series forecasting models (ARIMA and Prophet) projected trends to 2030. Rising and breakout keyword analyses identified emerging consumer intentions. Qualitative interpretation employed a Maqashid Shariah–based analytical lens to connect digital patterns with Islamic ethical principles for ensuring coherence between empirical signals and value-driven interpretation.  Findings: The study finds that global interest in the halal industry continues to strengthen across all major sectors, driven by rising digital engagement and increasingly value-driven consumer intentions. Search behavior shows a shift from basic informational queries toward action-oriented, trust-seeking, and ethically motivated searches. Each sector including food, tourism, cosmetics, and Islamic finance demonstrate distinct post-pandemic recovery patterns and growing recognition of halal as a global ethical standard. Predictive modeling indicates continued expansion and deeper cross-sector reinforcement, where growth in one segment amplifies interest in others. Interpreted through a Maqashid Shariah lens, these trends align with human well-being, ethical consumption, responsible finance, and sustainability.  Implication: Findings provide actionable insights for policymakers, halal certification authorities, and entrepreneurs to align governance, strategy, and innovation with both consumer behavior and Shariah-based sustainability.          
Effectiveness of Green Waqf in Supporting Local Climate Projects: Governance and Sustainability Analysis In West Java Jannah, Sahrotul; Agil Hidayatullah; Navilah Ulliyah
International Journal of Islamic Finance Vol. 4 No. 1 (2026): May 2026
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/5cpwa454

Abstract

Background: Climate change and environmental degradation, intensified by rapid urbanization and industrialization in West Java, underscore the urgent need for innovative Islamic social finance instruments to support sustainable local development and climate action. Objectives: This study aims to assess how the effectiveness, governance, institutional design, and resource allocation of green waqf initiatives support local climate action, environmental sustainability, and community welfare in West Java Province. Novelty: This study empirically integrates Data Envelopment Analysis (DEA) with institutional governance evaluation to link governance quality and green waqf efficiency, demonstrating the contribution of Islamic social finance to SDGs 6, 7, 13, and 15. Research Methodology / Design: This study applies a mixed-method approach, integrating Data Envelopment Analysis (DEA) to assess the efficiency of five green waqf projects based on financial, human, and asset inputs with their social and environmental outputs, and content analysis of institutional and policy documents to examine governance quality, transparency, and community participation. Findings: The study shows that green waqf projects with strong governance, transparency, and community participation achieve higher efficiency and sustainability through better institutional capacity and multi-stakeholder collaboration. Implication: These findings contribute to the development of Islamic social finance by strengthening the theoretical understanding of the link between efficiency and governance in green waqf management and providing practical recommendations for BWI, the Ministry of Religious Affairs, and the West Java Provincial Government to enhance governance frameworks and integrate sustainability indicators in future evaluations.

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