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Marabona Munthe
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jibef@el-emir.com
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munthemarabona@gmail.com
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Journal of Islamic Banking, Economics and finances (JIBEF)
Published by EL-EMIR INSTITUTE
ISSN : 30642523     EISSN : 30641322     DOI : https://doi.org/10.63477/jibef
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Journal of Islamic Banking, Economics and Finance (JIBEF) is published by the El-Emir Institute helping academics, researchers, and practitioners to disseminate their research results. JIBEF is a blind peer-reviewed journal dedicated to publishing quality research results in the fields of Islamic Banking, Economics and Finance (JIBEF). All publications in the JIBEF Journal are open access which allows articles to be available online for free without any subscription. Journal of Islamic Banking, Economics and Finance (JIBEF)) is a national journal with e-ISSN: 3064-1322, and is free of charge in the submission process and review process. Journal of Islamic Banking, Economics and Finance (JIBEF) publishes articles periodically four times a year, in January, April, July, October. JIBEF uses Turnitin plagiarism checks, Mendeley for reference management and supported by Crossref (DOI) for identification of scientific paper.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol. 2 No. 2 (2026): Januari 2026" : 5 Documents clear
Perancangan Layanan BSI Tabungan Haji Indonesia Berbasis Mudharabah: Studi Literatur Kepatuhan Akad, Alur, dan Mitigasi Risiko Mansiz, Ilham
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 2 (2026): Januari 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i2.445

Abstract

This research aims to design a BSI Hajj Savings Indonesia service based on the mudharabah contract that meets Sharia compliance standards, has an effective service flow integrated with Siskohat (Islamic system management system), and implements comprehensive risk mitigation. This research employed a systematic literature review method by reviewing OJK regulations, DSN-MUI fatwas, official BSI product documents, and academic journals related to the implementation of Sharia Hajj savings. The resulting design includes a conceptual framework for contract compliance that emphasizes the application of the profit-sharing principle, a service blueprint that maps frontstage and backstage processes in detail, and a risk and control matrix that covers operational, Sharia, liquidity, and reputation risks. This design provides strategic guidance for optimizing Sharia banking services within the Hajj ecosystem.  
The Influence of Organizational Climate on Employee Performance PT. Sukses Mitra Sarana Duri, Bengkalis Regency Lestari, Dwiana Indah; Saragih, Amansyah
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 2 (2026): Januari 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i2.469

Abstract

Organizational climate is a collection and pattern of environmental factors that determine the emergence of motivation and focus on reasonable or assessable perceptions, thus directly influencing the performance of organizational members. Observations and interviews with human resource development (HRD) revealed several problems, such as the lack of firmness from superiors in imposing sanctions on employees who violate Standard Operating Procedures (SOPs). The numerous rules and regulations that employees adhere to can lead to employee dissatisfaction with the conditions in the field. The purpose of this study was to determine the effect of organizational climate on employee performance at PT Sukses Mitra Sarana Duri, Bengkalis Regency. The population in this study was all 42 employees at PT Sukses Mitra Sarana Duri, Bengkalis Regency. The sampling technique used in this study was total sampling, a sampling technique used when the entire population is sampled. Thus, the sample size in this study was 42 people. The data analysis technique used was simple linear regression analysis. Based on the results of the research that has been conducted, it was concluded that the work climate (X) = with t count = 3.934> from t table 1.684 with a significance level of 0.000 less than 0.05. Therefore, Ho is rejected. and Ha is accepted, meaning that the work climate variable has a positive and significant effect on the performance of employees of PT Sukses Mitra Sarana Duri, Bengkalis Regency.
The Influence Of Brand Image On Consumer Decisions In Ordering Aqiqah Catering At Ananda Aqiqah, Pekanbaru City Haryono, Edi; Imam, Imam
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 2 (2026): Januari 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i2.470

Abstract

The increasingly competitive business world has made brand image a crucial factor influencing consumer decisions when choosing a product or service. Brand image not only reflects product quality but also builds customer perception, trust, and loyalty. Companies that are able to build a strong brand image have a distinct advantage in winning the hearts of consumers. Purchasing decisions are the result of a complex consideration process, where consumers choose products that align with their needs, preferences, and values. In this context, brand image plays a significant role in influencing consumer perceptions of the quality, reliability, and value of a product or service. The more positive the brand image embedded in consumers' minds, the more likely they are to make a purchase. The results of this study, based on the results of a simple linear regression analysis, obtained a constant (a) of 17.379, meaning that when the brand image is absent or zero, the decision to order vectorvg vector aqiqah is still obtained at 17.379. Meanwhile, the relationship between brand image and purchasing decisions is positive, as evidenced by the regression coefficient (b) of 0.594, which means that every one-unit increase in brand image will increase the decision to order the aqiqah vector by 0.594. Based on the results of the T-Test (Partial), the calculated t value (9.884)> t table (1.980) is obtained. Therefore, H0 is rejected and Ha is accepted. This means that brand image has a significant influence on consumer purchasing decisions in ordering Ananda Aqiqah Catering. Based on the results of the study, the coefficient of determination (R2) value is 0.771, where this figure indicates that brand image influences consumer purchasing decisions in ordering Ananda Aqiqah Catering by 77%. While the remaining 23% is influenced by other variables not examined in this study. The recommendation in this study is that the management should further improve the brand image of Ananda Aqiqah Catering to make it more attractive to high-status consumers.
The Concept of Profit Calculation from the Perspective of Islamic Economics Munthe, Marabona; Fitri
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 2 (2026): Januari 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i2.471

Abstract

The concept of profit calculation in Islamic economics is fundamentally different from that of conventional economics, as it is guided not only by financial outcomes but also by ethical, legal, and social considerations based on Sharia principles. This study aims to examine the concept, principles, and mechanisms of profit calculation from the perspective of Islamic economics. In Islam, profit is recognized as a legitimate return for risk-taking, effort, and investment, provided it is earned through lawful (halal) business activities and free from prohibited elements such as riba (interest), gharar (excessive uncertainty), and maysir (gambling). Profit calculation must be based on fairness, transparency, honesty, and mutual consent between parties. Furthermore, Islamic economics emphasizes the balance between profit maximization and social responsibility, ensuring that business activities contribute to public welfare (maslahah). The study uses a qualitative descriptive approach based on literature analysis of classical and contemporary Islamic economic sources. The findings indicate that profit in Islamic economics is not merely an economic surplus but also a moral and social instrument that reflects justice and accountability before society and God. Therefore, profit calculation in Islamic economics integrates material, ethical, and spiritual dimensions to achieve sustainable and equitable economic development.
MARKETING STRATEGIES IN IMPROVING THE COMPETITIVENESS OF MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs) FROM AN ISLAMIC ECONOMIC PERSPECTIVE Henry, Henry Martin Adriansyah; Fitri
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 2 (2026): Januari 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine the marketing strategies implemented by the Pirlisae Lidi Craft MSME and how these strategies are viewed from an Islamic economic perspective. The study used a qualitative approach with a case study method. Data were obtained through in-depth interviews, direct observation, and documentation at the business location. The results indicate that the implemented marketing strategies include developing environmentally friendly waste-based ethnic products, setting fair prices, promoting through education and social media, and distributing through local events and networking. This strategy reflects Islamic economic principles such as shiddiq (honesty), amanah (trustworthiness), fathanah (intelligence), tabligh (communicativeness), and syaja'ah (courageousness). Furthermore, the Pirlisae Lidi MSME has strategic advantages over its competitors, such as partnerships with large companies, involvement in business incubation programs, and market education through craft training. This strategy has a direct impact on increasing competitiveness, as evidenced by annual revenues reaching IDR 150 million.

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