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Journal of Islamic Economy
Published by PT Anagata Sembagi Education
ISSN : -     EISSN : 30472520     DOI : https://doi.org/10.62872/nstc4b78
Core Subject : Economy,
Economics, Econometrics & Finance
The journal publishes original articles on current issues and trends occurring internationally in Public Philosophy of Islamic Economics, Islamic Economic Thought, Islamic Economics and Contemporary Issues, Contemporary issues in Islamic Financial Institutions, Islamic Management Islamic Accounting, Legal Aspects in Islamic Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 42 Documents
 1   2   3   4   5 
The Role of Zakat Institutions in Improving the Community's Economy Sumadi Buton
Journal of Islamic Economy Vol. 2 No. 2 (2025): JULY-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/wzpe0y90

Abstract

This study aims to analyze the role of zakat institutions in improving the community's economy through various empowerment programs. The research method used is a qualitative approach with a case study design. Data were collected through in-depth interviews with zakat institution managers, beneficiary mustahik, and community leaders, supplemented by documentation studies and field observations. The results show that zakat institutions contribute significantly to increasing the income and independence of mustahik through programs such as business capital assistance, skills training, and business mentoring. Some mustahik have even succeeded in improving their standard of living and becoming muzakki. However, zakat institutions still face challenges such as limited funds, low financial literacy among mustahik, and the need for innovation in empowerment programs. This study recommends the need to strengthen collaboration between zakat institutions and the government, the private sector, and academics to expand the socio-economic impact of zakat management.
The Role of Green Fiscal Policy in Supporting Green Governance and Green Economic Development Loso Judijanto; Dzulfikri Azis Muthalib
Journal of Islamic Economy Vol. 2 No. 2 (2025): JULY-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/seqntv12

Abstract

This article examines the strategic role of green fiscal policy in supporting governance and green economic development in Indonesia. This research uses a descriptive qualitative approach with data collection techniques through semi-structured interviews and documentation studies. The findings indicate that the implementation of green fiscal policy in Indonesia has progressed through instruments such as carbon taxes, green sukuk issuance, and climate budget tagging. These policies not only aim to restructure the fiscal structure towards sustainability but also encourage more transparent, accountable, and collaborative governance. Although still facing challenges such as resistance to reducing fossil fuel subsidies and limited regional capacity, significant opportunities open up through the potential of the national green sector and global financing support. This study concludes that synergy between fiscal instruments, institutional reform, and cross-sectoral governance is key to realizing an inclusive and sustainable green economy.
The Influence of the Role of Islamic Financial Institutions on Optimizing Islamic Economic Policy Through Increasing Productive Financing in Bangka Belitung Province Efendi Sugianto; Mohamad Makrus; Afrizal Afrizal
Journal of Islamic Economy Vol. 2 No. 3 (2025): NOVEMBER-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/8er1k271

Abstract

This study aims to analyze the influence of Islamic financial institutions (IFIs) on the optimization of Islamic economic policy through increased productive financing in the Bangka Belitung Islands Province. The background to this study is the low proportion of productive financing channeled by IFIs, as most funds are still focused on the consumer sector and therefore do not contribute optimally to regional economic development. Using a quantitative approach with the Structural Equation Modeling (SEM) method, the study involved 120 respondents consisting of ISI employees, customers, MSME actors, and regional policy makers. The results show that the role of ISIs has a positive and significant effect on increasing productive financing with a regression coefficient of 0.68 and significance below 0.05. Productive financing also has a significant effect on the optimization of Islamic economic policy with a regression coefficient of 0.72 and an R² value of 0.73. The variable of productive financing plays an important mediating role in strengthening the relationship between the role of LKS and Islamic economic policy, particularly through the MSME, agriculture, and fisheries sectors. These findings confirm the relevance of Islamic finance theory and the principles of maqashid al-syariah, and emphasize the importance of synergy between the government, Islamic financial institutions, and the community in building a fair, inclusive, and sustainable Islamic economic ecosystem
The Influence Of Customer Experience On Customer Loyalty Mediated By Emotional Experience Among Shopee Users In The Special Region Of Yogyakarta Sujoko Sujoko; Syarifah Syarifah; Rakhmat Sigit Widodo
Journal of Islamic Economy Vol. 2 No. 3 (2025): NOVEMBER-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/jkaa2823

Abstract

The rapid growth of e-commerce competition requires companies to deliver superior customer experiences to ensure long-term loyalty. In the context of Shopee users in the Special Region of Yogyakarta, customer experience and emotional experience play essential roles in influencing customer loyalty. This study aims to examine the influence of customer experience on customer loyalty, with emotional experience as a mediating variable. A quantitative approach was employed, using purposive sampling. Data were collected through an online questionnaire (Google Form) and analyzed using SEM-PLS. The findings indicate that customer experience has a positive and significant effect on customer loyalty. Additionally, customer experience significantly influences emotional experience, and emotional experience significantly affects customer loyalty. Furthermore, emotional experience is proven to mediate the relationship between customer experience and customer loyalty. These results highlight the importance of emotional engagement in strengthening customer loyalty in e-commerce platforms. Therefore, Shopee and similar platforms must enhance emotional touchpoints by providing responsive, personalized services that foster feelings of satisfaction, appreciation, and comfort. This study is limited to Yogyakarta and online survey distribution. Future research should expand the geographical scope and consider mixed-method approaches.
The Influence of Islamic Financial Literacy on The Investment Decisions of Millennials: A Behavioral Finance Approach Nurchayati Nurchayati
Journal of Islamic Economy Vol. 2 No. 3 (2025): NOVEMBER-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/b6pj4v94

Abstract

The rapid growth of Indonesia’s digital economy and the expansion of Islamic financial services have created new investment opportunities for Muslim millennials. However, low levels of Islamic financial literacy remain a challenge that may affect investment quality and Sharia compliance. This study examines the influence of Islamic financial literacy on the investment decisions of Indonesian millennials. Using a quantitative survey approach, data were collected through purposive sampling involving Muslim millennials aged 25–40 years who have invested or have interest in Sharia-based instruments. A structured questionnaire measured Islamic financial literacy knowledge, understanding of contracts, and Sharia attitudes including investment decision variables, including risk assessment, instrument selection, and investment orientation. Multiple linear regression analysis revealed that Islamic financial literacy has a significant and positive effect on investment decisions. Respondents with higher literacy demonstrated greater prudence, preferred halal instruments such as sukuk and Islamic mutual funds, and avoided speculative assets. These findings highlight the importance of strengthening Islamic financial education, integrating digital Sharia learning, and improving financial platform transparency to support sustainable Sharia investment behavior among millennials
The Effect of Sharia Financial Literacy on Millenials' Investment Decisions Fitria Husnatarina
Journal of Islamic Economy Vol. 2 No. 3 (2025): NOVEMBER-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/82j4f061

Abstract

This study examines the effect of Sharia financial literacy on millennials’ investment decisions by conducting a Systematic Literature Review of 88 empirical studies published between 2013 and 2024. Findings show that Sharia financial literacy significantly shapes millennials’ ethical-risk balancing, cognitive filtering of compliance claims, digital investment navigation, and correction of behavioral biases such as overconfidence and herding. The review identifies several behavioral mechanisms through which literacy influences investment decisions, including improved verification of Sharia compliance, enhanced portfolio rationality, and stronger intention behavior alignment. The impact of literacy, however, is moderated by contextual factors such as digital platform transparency, regulatory clarity, social influence, religiosity, socioeconomic capacity, and psychological readiness. These moderators determine whether literacy translates into consistent and informed ethical investment behavior. The study concludes that increasing Sharia financial literacy is necessary but not sufficient; it must be supported by enabling institutional and digital ecosystems to effectively guide millennials toward rational and compliant investment choices.         
Analysis of the Influence of Sharia Economic Literacy on Students' Interest in Using Sharia Financial Products Firayani Firayani
Journal of Islamic Economy Vol. 2 No. 3 (2025): NOVEMBER-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/ymx77163

Abstract

  This study aims to analyze the influence of Islamic economic literacy on students' interest in using Islamic financial products. Using a quantitative approach through an explanatory survey method, this study involved 400 active students from various public and private universities in Bandung, West Java. The research instrument consists of a structured questionnaire that measures Islamic economic literacy through three main dimensions: basic Islamic knowledge, knowledge of Islamic financial products, and the application of Islamic economics in daily life. Meanwhile, the variable of interest in using Islamic financial products was measured through the dimensions of behavioral intention, attitude towards Islamic products, and supporting factors. The results of the study indicate that Islamic economic literacy has a positive and significant influence on students' interest in using Islamic financial products, with a coefficient of determination (R²) of 0.742, indicating that 74.2% of the variation in students' interest can be explained by Islamic economic literacy. This finding indicates that increasing students' understanding of Islamic principles, Islamic financial products, and their application in daily life significantly increases their interest in using Islamic-based financial services. This study provides an important contribution to the development of Islamic financial education strategies among students and the formulation of policies that support the improvement of Islamic economic literacy in efforts to expand the adoption of Islamic financial products in Indonesia.
Islamic Fintech and Financial Inclusion: Bridging the Gap in the Digital Economy Lina Maulidiana; Rika Santina; Adriansyah Kartadinata
Journal of Islamic Economy Vol. 3 No. 2 (2026): JULY - JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/1y4wec72

Abstract

The rapid expansion of digital financial services has reshaped the global discourse on financial inclusion, yet more than a billion adults, a large share of them in Muslim-majority countries, remain excluded from formal financial systems, partly because conventional products conflict with Shariah principles. Islamic fintech has emerged as a strategic instrument that merges religious compliance with digital innovation to close this gap. This article synthesizes recent literature (2023-2026) on the relationship between Islamic fintech and financial inclusion within the digital economy, drawing on peer-reviewed studies indexed through Google Scholar and Consensus databases. Using a qualitative narrative-review method structured around identification, screening, eligibility, and synthesis stages, the study maps the instruments, drivers, and barriers shaping Islamic fintech adoption, including digital sharia banking, peer-to-peer sharia financing, digital zakat and waqf platforms, and blockchain-based instruments. The findings show that regulatory harmonization, Shariah governance, digital literacy, and public trust are decisive determinants of inclusion outcomes, while unresolved fiqh muamalah issues and infrastructural gaps in rural regions remain persistent obstacles. The article contributes an integrative framework linking maqāṣid al-Sharīʿah with digital financial inclusion indicators and offers policy implications for regulators, Islamic financial institutions, and fintech developers seeking equitable digital economic participation.
Reconstructing Sharia Governance for Artificial Intelligence Adoption in Islamic Financial Institutions Syahriyah Semaun
Journal of Islamic Economy Vol. 3 No. 2 (2026): JULY - JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/s2v0e908

Abstract

Artificial intelligence (AI) is rapidly reshaping the operational and decision-making architecture of Islamic financial institutions (IFIs), yet governance mechanisms required to keep such technologies aligned with Shariah principles remain fragmented and under-theorized. This study reconstructs a Shariah governance framework for AI adoption across screening, credit-risk assessment, fatwa support, and internal audit functions in IFIs. Using a systematic literature review guided by the PRISMA protocol, twenty-five peer-reviewed journal articles and conference proceedings published between 2023 and 2026 were analyzed to map how existing scholarship conceptualizes the intersection of AI, Shariah supervisory boards, and Maqasid al-Shariah. The review identifies four recurring governance gaps: algorithmic opacity that undermines fatwa traceability, unclear allocation of liability between technology developers and Shariah boards, uneven regulatory harmonization across jurisdictions, and limited technical capacity within Shariah supervisory boards to audit machine-driven outputs. Building on these gaps, the study proposes a reconstructed governance model that embeds explainable-AI requirements, a dual-layer supervisory mechanism combining Shariah boards with dedicated AI governance committees, and Maqasid-based ethical checkpoints throughout the AI lifecycle. The findings contribute both theoretically to Islamic finance governance literature and practically to regulators and IFIs seeking to adopt AI without compromising Shariah legitimacy, transparency, and public trust in an increasingly digitalized financial ecosystem.
The Influence of Halal Awareness, Sustainable Lifestyle, and Digital Marketing on Halal Product Purchase Decisions among Generation Z Irwan Moridu
Journal of Islamic Economy Vol. 3 No. 2 (2026): JULY - JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/79h03g75

Abstract

 Generation Z has emerged as a religiously conscious yet digitally saturated consumer cohort in Muslim-majority markets, making halal purchase behavior a strategic concern for producers, marketers, and regulators. This study examines the influence of halal awareness, sustainable lifestyle, and digital marketing on halal product purchase decisions among Generation Z. While prior research has separately examined halal awareness, sustainability orientation, and digital marketing as antecedents of purchase behavior, few studies integrate these three constructs within one explanatory framework specific to Generation Z, and fewer address how sustainability values interact with religious motivation in a digitally mediated marketplace. This gap constitutes the novelty of the present study. Using a quantitative approach with a purposive sample of Generation Z consumers and Partial Least Squares Structural Equation Modeling (PLS-SEM), this study proposes and tests a conceptual model linking the three variables to purchase decisions. For illustrative purposes, hypothetical outcomes indicate that halal awareness exerts the strongest influence, followed by digital marketing and sustainable lifestyle, with all three variables jointly explaining a substantial proportion of variance in purchase decisions. The findings offer theoretical contribution to consumer behavior literature and practical implications for halal industry stakeholders designing religiously congruent, sustainability-oriented, and digitally optimized strategies for younger Muslim consumers

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