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Journal of Islamic Economics and Business Ethics
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : 30644585     EISSN : 3047311X     DOI : 10.24235/jiesbi.v1i3
Core Subject : Economy, Art,
Arts Economics, Econometrics & Finance
IESBI: Journal of Islamic Economics and Business Ethics E-ISSN 3047-311X is and P-ISSN 3064-4585 high-quality open access peer-reviewed research journal published by the UIN Cyber ​​Syekh Nurjati Postgraduate, Cirebon, West Java, Indonesia in collaboration with the Association of Islamic Economic Experts (IAEI). This journal aims to be a forum for discussion and publication of research results from academics, researchers and practitioners on the topics of Islamic Economics, Sharia Banking, Islamic Finance, and issues within Asian countries. These topics can take the form of observations of contemporary economic phenomena which highlights economic system problems, regulations in Islam, and other topics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 35 Documents
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Transformation of Zakat Into Rotating Business Capital: A Sustainable Economic Empowerment Solution Hana Mabrukah; Anwar Ibrahim Sadiq
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 3 (2024): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i3.212

Abstract

Zakat one of the important pillars of Islam, has great potential to empower the economic status of Muslims. Traditional distribution of zakat often fails to produce long-term economic improvement for its recipients. The current zakat problems are very complex, starting from the fact that there are still some people who do not want to pay zakat, the distribution of zakat that has not been arranged properly to the problem of fiqh regarding the development and ijtihad for productive zakat models. Productive zakat is making zakat money not only consumptive in the sense that it is immediately consumed, but zakat assets are used for business capital to eradicate poverty for zakat recipients. With this business capital, it is hoped that zakat recipients will one day become muzakki. This study aims to investigate the transformation of zakat into revolving business capital and its impact on the economic empowerment and self-reliance of mustahik (zakat recipients). The hypothesis tested is that zakat, when used as revolving business capital, can significantly improve the economic welfare of mustahik. This research uses a qualitative approach with a literature review methodology. Data was sourced from various secondary materials including scientific articles, institutional reports, and case studies of successful zakat programs. Data analysis involved thematic analysis to identify key factors that contribute to the success and challenges of zakat-based revolving business capital programs. The findings show that a well-managed revolving business capital program significantly improves the income and welfare of mustahik. Key success factors include ongoing business training and support, continuous monitoring and evaluation, and transparent fund management. Partnerships with government entities, the private sector, and local communities also enhance program effectiveness. Statistical analysis shows a positive correlation between participation in the program and increased economic independence of mustahik. The transformation of zakat into revolving business capital is an effective solution for sustainable economic empowerment. Proper management and strategic partnerships are critical to the success of this program, which not only reduces poverty but also encourages the economic independence of mustahik.
The Influence of Islamic-Based Leadership on Employee Performance: Employee Engagement as A Mediation Variable Nada Arina Romli; Almirin Syićraz
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 2 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i2.235

Abstract

Performance is an important factor in the success of an organization or company. Performance can be defined as the work results of individuals in terms of quality and quantity, achieved by an employee in carrying out their duties and fulfilling responsibilities within a specific period. Performance refers to the work results achieved by an individual or group within an organization, in accordance with their respective authorities and responsibilities, to attain organizational goals legally, without violating laws, and adhering to norms and ethics. Leadership plays an important role in improving employee performance in a company. This is exemplified by the Islamic leadership style, rooted in the era of Prophet Muhammad SAW, which is characterized by four key traits: Shidiq (truthfulness), Amanah (trustworthiness), Fatonah (wisdom), and Tabligh (conveying truth). This study aims to test the direct and indirect influence of Islamic leadership traits on employee performance with employee engagement as a mediating variable. This study uses an explanatory research method with primary data. Research data were collected through an online questionnaire, namely Google Forms. The results of the study showed that all Islamic leadership traits (Shidiq, Amanah, Fatonah, and Tabligh) have a direct positive effect on employee performance. This means that when leaders can apply Islamic leadership traits well, employee performance will also be good in their work. However, employee engagement as a mediating variable is only able to mediate one of the leadership traits on employee performance, namely, Shidiq.
Online Customer Contribution Efforts to Increase Customer Satisfaction and Repurchase Intention on Sharia E-Commerce Platforms in Islamic Countries Galih Ginanjar Saputra; Fadhilah; Halimi Husayn
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 3 (2024): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i3.238

Abstract

In the ever-evolving digital era, Sharia e-commerce platforms have become an integral part of Muslim consumers' lives, offering services that prioritize Sharia principles such as contract transparency, product halal compliance, and transactional justice. This study focuses on Sharia e-commerce platforms to investigate the role of Online Customer Experience (OCE) in enhancing Customer Satisfaction and Repurchase Intention. An explanatory research approach was employed with quantitative methods, where data were collected through online questionnaires from 136 active Sharia e-commerce users. Data analysis was conducted using Path Analysis to measure both direct and indirect effects among variables. The study examines OCE as the independent variable, Customer Satisfaction as the intervening variable, and Repurchase Intention as the dependent variable. The findings reveal that OCE elements such as informativeness, entertainment, personalization, social presence, and adherence to Sharia principles significantly influence Customer Satisfaction. Moreover, Customer Satisfaction acts as a mediator affecting Repurchase Intention, where a positive customer experience strengthens loyalty and repurchase intentions. The study emphasizes the importance of Sharia-based customer experience strategies to maintain competitiveness in the e-commerce market. OCE elements integrated with Islamic values have proven to create more satisfying and sustainable customer experiences. These findings provide valuable insights for business practitioners and Sharia e-commerce platform developers in designing services that cater to Muslim consumer needs. By optimizing OCE elements, Sharia e-commerce platforms can reinforce their position as competitive and value-added shopping solutions within the increasingly dynamic digital ecosystem.
The Impact of Artificial Intelligence (AI) Implementation on Islamic Financial Literacy and Global Economic Changes in the Banking World KMT Lasmiatun; Nikzad Manteghi
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 1 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i1.253

Abstract

Currently, the banking sector is facing a transformation towards the digital era in response to the development of fintech and the digital technology revolution. This transformation has brought banks into the era of digital banking services that aim to spread financial inclusion and provide access to the community without time and place constraints. Advances in information and communication technology have brought changes to various industries, including the Islamic finance sector. The development of artificial intelligence (AI) is crucial in the digitalization of Islamic money and offers opportunities to increase efficiency, personalize services, and reduce risks. This study aims to analyze the impact of AI implementation on financial literacy and global economic changes in the banking world by emphasizing effectiveness, efficiency, and compliance with Sharia principles. The research method used is qualitative literature research. Data comes from various sources, including relevant research papers, journals, and books. The findings of this study indicate that the application of AI in Islamic finance can improve operational efficiency, make financial services more accessible, and enable data analysis in a way that facilitates the development of strategic plans. However, the most important thing is to ensure that AI development complies with Sharia principles, including identifying riba, gharar, and non-halal transactions. The findings of this study highlight the importance of clear regulations to support the use of AI in Islamic finance, even if it is based on Islamic law. Through careful and innovative thinking, AI can serve as a strategic tool to enhance the Islamic banking sector in Indonesia, promote financial inclusion, and foster the country's economic growth. 
Post-Pandemic Transformation of Zakat, Infaq, and Sadaqah (ZIS): Implications for Social Welfare and Economic Recovery M Zaky Mubarak Lubis; Gusti Dirga Alfakhry Putra; Hidayatul Husna; Mansha Rafiq
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 3 No 1 (2026): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v3i1.397

Abstract

This study examines how the collection and distribution of Zakat, Infaq, and Sadaqah (ZIS) transformed during the COVID-19 pandemic. It provides forecasts for 2024, with a particular focus on their implications for social welfare and economic recovery in the post-pandemic era. The study utilized secondary data obtained from BAZNAS monthly reports covering January 2020 to December 2023, a period that captures the initial peak of the COVID-19 crisis and the subsequent recovery phase. Due to the non-normal distribution of the data, the Wilcoxon signed-rank test was employed to assess differences in ZIS collection and distribution between the peak and recovery periods. Additionally, Seasonal Autoregressive Integrated Moving Average (SARIMA) models were applied to forecast future trends. The findings revealed statistically significant differences between the peak and recovery periods in both ZIS collection and distribution, indicating a structural shift in philanthropic behavior and institutional responsiveness after the pandemic. The SARIMA results demonstrated strong capability in capturing seasonal patterns and long-term trends, particularly the pronounced increase in ZIS activities during Ramadan. While the SARIMA model provided a robust foundation for understanding seasonal dynamics and short-term trends, incorporating additional data or hybrid forecasting approaches may enhance predictive accuracy. 
The Influence of Trust, Peers, and Enjoyment on Online Donations and Continuation Intentions: An Ethical Philanthropic Approach in Islamic Economics Cahyaning Budi Utami; Slamet; Teguh Ashari; Dedi Kurniawan
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 3 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i3.399

Abstract

Indonesia was named the most generous country from 2018 to 2024. A significant case of donation misappropriation by an agency in early July 2022 prompted varied societal reactions.  This study examines the effects of trust in online donation platforms, peer influence, and enjoyment in helping on online donation and forwarding intentions, as well as the impact of these intentions on behavioral frequency. Data were collected via a survey of 106 Indonesian citizens who had received information about online donations in the past year. The analysis employed Structural Equation Modeling-Partial Least Squares (SEM-PLS). Results indicate that trust and peer influence have a significant and positive impact on forwarding intention but do not significantly affect online donation intention. Enjoyment in helping significantly impacts both online donation and forwarding intentions. Furthermore, online donation intention significantly affects donation frequency, and forwarding intention significantly impacts forwarding frequency. This study provides managerial implications for online donation platforms, suggesting they involve donors in the distribution process to create a positive impression.
The Role of Islamic Financial Literacy in Moderating the Relationship between QRIS and Financial Inclusion Abdillah Dwi Prasetyo; Muhammad Khoirul Fikri; Shaherbano Ijaz
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 3 No 1 (2026): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v3i1.402

Abstract

This study investigates the relationship between the effectiveness and efficiency of the Quick Response Code Indonesian Standard (QRIS) and financial inclusion, with Islamic financial literacy serving as a moderating variable. Employing a quantitative approach, data were collected from university students and analyzed using moderated regression analysis to evaluate both direct and interaction effects. The findings indicated that QRIS effectiveness and efficiency exert a positive and significant influence on financial inclusion. Furthermore, Islamic financial literacy enhances the relationship between QRIS utilization and financial inclusion, suggesting that higher literacy levels amplify the inclusive benefits of integrating digital payment systems within an Islamic financial framework. These results highlight the importance of integrating digital payment innovation with Islamic financial literacy programs to promote inclusive and sustainable financial ecosystems. Additionally, Islamic financial literacy moderates the relationship between QRIS effectiveness and financial inclusion, but does not influence the association between QRIS efficiency and financial inclusion. Overall, students' understanding of Islamic finance strengthens the impact of QRIS effectiveness in promoting financial inclusion.
Sharia Marketing and Halal Destination Branding: Is Building a Halal Destination Image Effective with Destination Branding Strategies? Dhiya'u Shidiqy; Wedyan Fayez; Muhammad Isyak Putra Siregar
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 3 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i3.419

Abstract

East Java, a popular tourist destination in Indonesia, is committed to developing culinary tourism through the concept of a halal culinary area. This initiative also supports the acceleration of Micro, Small, and Medium Enterprise (MSME) product development. Furthermore, creating a positive perception and image of halal products through halal branding is crucial in supporting the halalization program for MSME products. Furthermore, ensuring that products are marketed according to Sharia principles is a key factor in building the halal industry. Of the various studies on product halalness, research on the image of halal products with halal branding that focuses on halal culinary areas has never been conducted. This study aims to determine the effect of halal branding on the image of halal destinations in the East Java Halal Culinary Area and its compliance with Sharia marketing principles. This study uses a quantitative method by examining the influence of independent variables on the dependent variable through a t-test using SPSS. The population in this study was buyers in the East Java Halal Culinary Area, and a sample of 110 people was selected using an accidental sampling technique. From a Sharia marketing perspective, the implemented branding strategy is in accordance with Sharia marketing principles. However, the results of this study indicate that the halal branding strategy in the East Java Halal Culinary Region does not influence the halal image or is unable to build the image of a halal destination in the region. The main finding is that while the branding strategy aligns with Sharia marketing principles, it does not significantly contribute to shaping the destination's halal image.
Proposed Ownership Structure Design for the Establishment of Waqf Banks in Indonesia Iwan Agustiawan Fuad; Mohammadtahir Cheumar; Yusuf Haji Othman; Umar Akem
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 2 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i2.428

Abstract

Research on waqf banks in Indonesia and other countries shows a significant gap in ownership structure, where previous studies have not provided an applicable ownership design suited for Indonesia's decentralized character. The study is crucial because proper ownership governance can enhance accountability, mitigate conflicts of interest, and improve the economic sustainability of Islamic financial institutions. The research aims to propose an ownership structure of waqf banks in Indonesia. The method employed was qualitative, utilizing a Systematic Literature Review in Evidence-Based Software Engineering. The review covering publications from 2015 – 2024, encompasses 18 articles indexed by Scopus, ERA, WoS, MyCite, Google Scholar, and SINTA, with a process of identification, screening, and thematic analysis. The research findings suggest that establishing a waqf bank in Indonesia necessitates a hybrid ownership structure, backed by clear standard operating procedures, robust regulations, and enhanced community literacy. The implications of this study highlight the need for regulatory revisions and enhanced nāẓir training, while the limitations lie in the lack of empirical validation. Further research is recommended to test the model empirically and analyze the macroeconomic impact of waqf banks on financial inclusion and poverty alleviation.
Efficiency Evaluation of Islamic Commercial Banks in Indonesia Using Stochastic Frontier Analysis (SFA): A Panel Data Approach Zulfikar Hasan; Mhd Syahrizan; Nor Razinah Binti Mohd. Zain
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 3 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i3.436

Abstract

The efficiency of Islamic commercial banks is a crucial determinant of their competitiveness and long-term sustainability, especially in a dynamic financial environment, such as Indonesia. Despite rapid growth in the Islamic banking sector, questions persist regarding whether these banks are operating at optimal efficiency levels. This study aims to evaluate the technical efficiency of Islamic commercial banks in Indonesia over the period 2015–2024 by employing Stochastic Frontier Analysis (SFA) with a translog production function applied to balanced panel data. The model incorporated key input variables, including total assets, labor expenses, and operational costs, with financing used as a proxy for output performance. Empirical findings revealead that an average technical efficiency score of 0.784, suggesting notable inefficiencies across the sector. Among the sampled institutions, BCA Syariah Bank and Mega Syariah Bank consistently outperform their peers, while Victoria Syariah Bank showed persistently low efficiency due to operational shortcomings. The estimated gamma parameter (0.886) further indicated that inefficiency significantly explains the variation in output among banks, validating the use of the SFA model. The study underscores the urgent need for strategic improvements in operational management, resource allocation, and digital transformation initiatives. In addition, regulatory bodies are encouraged to strengthen institutional frameworks and promote innovation and human capital development.

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