cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Marabona Munthe
Contact Email
jibef@el-emir.com
Phone
+6285265766799
Journal Mail Official
munthemarabona@gmail.com
Editorial Address
Jalan Manunggal gg. kuala Kampar Kel. tuah Madani Kec. Tuah Madani Kota Pekanbaru
Location
Unknown,
Unknown
INDONESIA
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 30 Documents
 1   2   3 
THE INFLUENCE OF WORK ENVIRONMENT ON EMPLOYEE PERFORMANCE AT PT. MESITECHMITRA PURNABANGUN DURI-RIAU Desriani, Desriani; Adriani, Muhammad
Journal of Islamic Banking, Economics and Finance Vol. 1 No. 4 (2025): Juli 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v1i4.278

Abstract

This study aims to analyze how the work environment influences employee performance at PT. Mesitechmitra Purnabangun. How to improve employee performance by considering the work environment within the company. The method used in this study is a survey, this type of research is quantitative. The number of samples in this study was 46 people, using a saturated sampling technique where all populations were sampled. The results of this study indicate that the work environment has a significant positive effect on employee performance at PT. Mesitechmitra Purnabangun Duri-Riau branch, seen from the T Statistic value of 11,698> 1,684 which illustrates that the work environment influences employee performance. And also strengthened by the results of the Determination Coefficient (R2) of 0.778 which contains the understanding that the influence of the work environment on employee performance at PT. Mesitechmitra Purnabangun is 77.8%.
Analisis Tingkat Kepuasan Nasabah Pengguna Byond by BSI Munir, Abdul; Munthe, Marabona
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i1.287

Abstract

This study aims to see how big the level of customer satisfaction in using the Byond by BSI application in Riau province and to find out how big the influence of service quality, product quality, convenience and security on customer satisfaction who use Byond by BSI, and to find out how satisfied customers are in using Byond by BSI. The research method of data analysis uses quantitative using the Multiple Linear Regression approach. The results of the study indicate that customer satisfaction of Byond by BSI users in Riau Province is relatively very satisfied. This can be seen based on the results of the study that the number of high satisfaction responses from respondents' answers, in terms of service quality with a significant value of 0.001 with a positive regression value of 0.183%, product quality with a significant value of 0.001 with a regression value of -0.244% ease of use with a significant value of 0.001 with the highest regression value of 0.458%, and security with a significant value of 0.002 with a regression value of 0.206%.
Pengaruh Cybersecurity Terhadap Layanan Mobile Banking Bank Syariah Di Kota Pekanbaru Abdul Gani, Indah Nursifa; Syahrullah, M.; Munthe, Marabona
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i1.307

Abstract

The development of digital technology has encouraged the banking sector, including Islamic banking in Indonesia, to introduce mobile banking-based services in an effort to improve service quality and meet customer needs quickly, easily, and efficiently. However, the growth of this digital service is also accompanied by an increase in the potential for cyber threats that can compromise data security, customer trust, and convenience in transactions. This study aims to analyze the impact of cybersecurity on Islamic mobile banking services in Indonesia, specifically on aspects of security, system reliability, and customer satisfaction. The research method used a quantitative approach by distributing questionnaires to customers using Islamic mobile banking services. Data were analyzed through validity and reliability tests and linear regression analysis to determine the relationship between cybersecurity variables and the quality of digital banking services. The results show that good cybersecurity implementation has a significant influence on customer trust and satisfaction, as well as improving perceptions of the quality of Islamic mobile banking services. These findings confirm that digital security aspects are a critical factor that Islamic banks need to consider in developing mobile banking services, to support sustainability, competitiveness, and public trust in the Islamic banking system in the digital era.
Pengaruh Pinjaman Online Terhadap Perilaku Konsumtif Mahasiswa Perbankan Syariah Kota Pekanbaru Damayanti, Niken; Fitri, Fitri; Syahrullah, M.
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i1.309

Abstract

The development of financial technology (fintech) has introduced online loan services that facilitate access to cash, including among students. While offering convenience and speed of disbursement, online loans have the potential to encourage student consumer behavior, leading to serious financial risks. This study aims to examine the influence of online loan use on the consumer behavior of students in the Islamic Banking Study Program in Pekanbaru City. The method used was quantitative, with a simple random sampling technique involving 81 respondents from a population of 442 students using online loans. Data were collected through a Likert-scale questionnaire and analyzed using simple linear regression analysis and classical assumption tests. The results showed a positive and significant influence of online loan use on student consumer behavior. These findings suggest that the ease of access and short process of online loans encourage students to engage in irrational and wasteful consumer behavior. Therefore, financial literacy education and strict regulations are urgently needed to reduce the risk of problem debt and foster healthy consumption patterns among students.
PENGARUH PEMBIAYAAN KUR TERHADAP PERKEMBANGAN USAHA MIKRO DAN KECIL (UMK) NASABAH PT. BANK RIAU KEPRI SYARIAH KEDAI AIRTIRIS Alfarishi, M. Habib; Syahrullah, M.; Lisman, Muhammad
Journal of Islamic Banking, Economics and Finance Vol. 2 No. 1 (2025): October 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jibef.v2i1.318

Abstract

This study aims to analyze the influence of Kredit Usaha Rakyat (KUR) financing on the development of micro and small enterprises (MSEs) among the customers of PT. Bank Riau Kepri Syariah Kedai Air Tiris. The research employs a quantitative method with an associative approach. The population consists of all KUR financing recipients at PT. Bank Riau Kepri Syariah Kedai Air Tiris, with a sample of 100 respondents selected using probability sampling through a random sampling method. Data were collected using questionnaires and analyzed through simple linear regression with the assistance of IBM SPSS 27 software. The findings reveal that KUR financing has a positive and significant effect on the development of micro and small enterprises. This is evidenced by a significance value of 0.000 < 0.05. The coefficient of determination (R²) value of 0.412 indicates that 41.2% of the variation in micro and small enterprise development can be explained by KUR financing, while the remaining 58.8% is influenced by other factors beyond this study. These results confirm that KUR financing plays an important role in supporting the growth of micro and small enterprises, particularly in enhancing access to capital, production capacity, and market expansion. Therefore, optimizing the distribution of KUR financing is expected to strengthen the MSE sector as a key pillar of regional economic development.
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.

Page 3 of 3 | Total Record : 30

 1   2   3 

Filter by Year

2024 2026


Reset
Filter By Issues
All Issue Vol. 2 No. 2 (2026): Januari 2026 Vol. 2 No. 1 (2025): October 2025 Vol. 1 No. 4 (2025): Juli 2025 Vol. 1 No. 3 (2025): April 2025 Vol. 1 No. 2 (2025): Januari 2025 Vol. 1 No. 1 (2024): October 2024