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Journal of International Islamic Business Studies
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Jl. Profesor DR. HR Boenyamin No.708, Dukuhbandong, Grendeng, Kec. Purwokerto Utara, Kabupaten Banyumas, Jawa Tengah 53121
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Journal of International Islamic Business Studies
Published by Universitas Jenderal Soedirman
ISSN : -     EISSN : 31092209     DOI : https://doi.org/10.32424/jiibs
Core Subject : Economy,
Economics, Econometrics & Finance
The Journal of International Islamic Business Studies (JIIBS) is a scholarly journal devoted to publishing high-quality theoretical and empirical articles in all Islamic areas of business, economics, management, banking, and Islamic finance. Promote dialogue and discussion on current issues in the fields of Islamic economics and finance among the international community of scholars. Encourage empirical research on Islamic finance, takaful, zakat, awqaf, and other Islamic institutions, including case studies from Muslim economies.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis dan Menejemen Intetrnasional
Articles 26 Documents
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Islamic Financial System Maturity in the Digital Age: A Comparative Institutional Analysis of Indonesia and South Korea Talitha Anisya Rahma; Geesun Lee
Journal of International Islamic Business Studies Vol 2 No 2 (2025): JIIBS
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jiibs.v2i2.19298

Abstract

Digital transformation has altered the structure and governance of financial systems, including Islamic finance, where institutional capacity and Sharia governance determine system sustainability. Existing studies emphasize that Islamic financial system maturity should be assessed beyond quantitative indicators by incorporating regulatory coherence, institutional effectiveness, and governance readiness in the digital era. This study aims to analyze the maturity of Islamic financial systems in Indonesia and South Korea from a comparative institutional perspective. Using a qualitative literature review method, this study positions the Islamic financial system at the country level as the unit of analysis and compares both countries across regulatory frameworks, institutional structures, and Sharia governance arrangements. Indonesia represents a Muslim-majority country with expanding Islamic finance activities, while South Korea offers insight into Islamic finance development within a non-Muslim-majority institutional context. The findings suggest that Indonesia demonstrates strong market potential but faces challenges related to regulatory integration, whereas South Korea exhibits a more selective and institution-driven approach to Sharia-compliant finance. These differences indicate that Islamic financial system maturity is shaped by institutional design and regulatory context rather than market size alone. This study concludes that an institutional perspective provides a more comprehensive framework for understanding Islamic financial system maturity in the digital age.
Empowering Women-Led Micro-Enterprises: The Strategic Role of Sharia-Based Risk Literacy Wanda Putri Ramadhani; Lianmao Miao
Journal of International Islamic Business Studies Vol 3 No 1 (2026): JIIBS
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jiibs.v3i1.20357

Abstract

Sharia-based risk management extends beyond conventional risk management by emphasizing alignment with Islamic principles and ethical values. This approach involves identifying, evaluating, and mitigating risks while ensuring compliance with sharia law. This study aims to examine the impact of integrating these principles into micro-enterprise management, involving at least 40 women entrepreneurs in the city of Semarang. The research adopts a qualitative approach, with data collected through observations and in-depth interviews. The population consists of women-owned juice businesses in Semarang, with sampling conducted using an area sampling technique. The findings reveal at least five key risks faced by these enterprises. The results indicate that sharia-based risk literacy plays a significant role in empowering women-led micro-enterprises. A strong understanding of sharia principles emerges as a crucial factor in enhancing business success and resilience. With adequate risk literacy, women micro-entrepreneurs are better equipped to manage risks effectively, make more informed decisions, and develop their businesses in a sustainable manner while adhering to sharia principles.
The Influence of Religiosity on the Distribution and Consumption Behaviors of Muslim Merchants in Balikpapan Mehmet Husein
Journal of International Islamic Business Studies Vol 3 No 1 (2026): JIIBS
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jiibs.v3i1.20450

Abstract

This study is motivated by a phenomenon that the researcher continues to observe in the field, namely the persistence of deviations from religious values in the business practices of merchants, such as shortchanging customers and discrepancies between the product samples in catalogs provided to buyers and the actual items sold. This study aims to examine whether religiosity in the aspects of creed, worship, Sharia, and ethics influences the distribution behavior and consumption behavior of Muslim merchants in the city of Balikpapan. This study is quantitative in nature. Data collection utilized a questionnaire distributed to 150 Muslim merchants whose business scale is classified as micro and whose business is located in the city of Balikpapan. Data analysis employed Multiple Linear Regression and Descriptive Analysis. The results indicate that, simultaneously (F-test), religiosity significantly influences the distribution and consumption behaviors of Muslim merchants. Partially (t-test), religiosity in the aspect of ethics significantly influences distribution behavior, whereas religiosity in the aspects of creed, worship, and Sharia does not significantly influence the distribution behavior of Muslim merchants. Religiosity in the aspects of Sharia and ethics significantly influences consumption behavior, whereas religiosity in the aspects of creed and worship does not significantly influence the consumption behavior of Muslim merchants.
Comparative Analysis of Investment Returns between Balanced Sharia Mutual Funds and Anggrek Mutual Funds at Danareksa Sekuritas Central Java Branch Kamran Ali; Muhammad Adi Nugraha
Journal of International Islamic Business Studies Vol 3 No 1 (2026): JIIBS
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jiibs.v3i1.20454

Abstract

Balanced Sharia mutual fund products implement a purification (screening) mechanism in the portfolio construction process, whereby securities that generate income from non-compliant activities with Islamic principles are excluded. This screening procedure often raises concerns regarding the performance potential of Sharia-based mutual funds. A common perception among investors is that the returns generated by Balanced Sharia Mutual Funds are relatively lower compared to conventional products, such as Anggrek Mutual Funds. However, empirical data within the observed period indicate otherwise. The findings reveal that Balanced Sharia Mutual Funds outperformed Orchid Mutual Funds on multiple occasions, recording higher returns up to 17 times during the study period. Although Balanced Sharia Mutual Funds frequently demonstrated superior performance, Anggrek Mutual Funds also showed comparable return patterns in certain periods. Statistical analysis using the independent sample t-test produced a t-statistic value of 10.75, which exceeds the critical t-value of 2.807. This result confirms a statistically significant difference in investment returns between the two mutual fund types. The t-statistic was derived from the mean difference in return percentages (168.42) divided by the standard deviation (13.72). The study concludes that Balanced Sharia Mutual Funds exhibit a significantly higher return performance compared to Anggrek Mutual Funds during the observed period, thereby challenging the assumption that Sharia-compliant investment products inherently yield lower returns.
Islamic Cooperative Financing as a Driver of Traditional Market Traders’ Income: Evidence from Beringharjo Market, Yogyakarta Ahmad Fajar Nugraha; Pramono Hari Adi; Daryono Daryono; Adi Indrayanto; Joni Prayogi; Ahmad Nasori; Ronald Haryanto; Isti Riana Dewi; Sulistyandari Sulistyandari; Rahab Rahab
Journal of International Islamic Business Studies Vol 3 No 1 (2026): JIIBS
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jiibs.v3i1.22265

Abstract

Islamic cooperative financing plays an important role in supporting financial inclusion and the sustainability of micro-enterprises, particularly traditional market traders with limited access to formal financing. This study examines the effect of Islamic cooperative financing on the income of traditional market traders in Beringharjo Market, Yogyakarta. A quantitative approach was employed using simple linear regression analysis with SPSS. The results show that Islamic cooperative financing has a positive and significant effect on traders’ income, with a regression coefficient of 0.853 and a significance value of 0.000. Thus, the research hypothesis is supported. The coefficient of determination shows an R Square value of 0.785, indicating that Islamic cooperative financing explains 78.5% of the variation in traders’ income, while the remaining 21.5% is explained by other factors outside the research model. These findings demonstrate that Islamic cooperative financing can serve as an important instrument for strengthening traders’ productive capacity and income. The study contributes empirical evidence to the literature on Islamic microfinance and provides practical implications for Islamic cooperatives and policymakers to expand productive financing while strengthening financial literacy and business assistance for traditional market traders.
Islamic Work Ethics and Professional Commitment: The Mediating Role of Organizational Commitment Intan Shaferi; Retno Widuri; Ekaningtyas Widiastuti; Devani Laksmi Indyastuti; Ade Irma Anggraeni
Journal of International Islamic Business Studies Vol 3 No 1 (2026): JIIBS
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jiibs.v3i1.22270

Abstract

This study aims to determine the influence of Islamic work ethics on professional commitment with organizational commitment as an intervening variable of bankers in Bank Syariah Bank location in Central Java. A questionnaire is used to collect the data, with a likert scale as measurement scale. The population used in this study was 106 people with characteristics of bankers who had worked for more than 1 year. Sample in this study is equal to the total population that is 106 samples. This research is using purposive sampling for sampling technique. By using path analysis, the results of the study show that Islamic work ethics have a positive and significant effect on the professional commitment of Sharia bankers Bank in Central Java, and organizational commitment mediates the influence of Islamic work ethics on the commitment of Sharia bankers in Cental Java.

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