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IJIBE (International Journal of Islamic Business Ethics)
Published by Universitas Islam Sultan Agung
ISSN : 25020633     EISSN : 25024647     DOI : 10.30659/ijibe
Core Subject : Economy,
Economics, Econometrics & Finance
International Journal of Islamic Business Ethics (IJIBE) is a publication medium of research results in the field of Islamic business ethics. Islamic business ethics is a concept of business which based on Islamic values and principles. It is guidance for business actors to know what is right or wrong from Islamic perspective. This is aimed for the benefit of people and the welfare of broader community for either the present or the future.
Arjuna Subject : Psikologi - Psikologi (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol 9, No 2 (2024): September 2024" : 6 Documents clear
The Influence of Sharia Financial Literacy and Fintech Lending Services on the Financial Behavior of Muslim Communities Fadillah, Aniva Nur; Suryomurti, Wiku
IJIBE (International Journal of Islamic Business Ethics) Vol 9, No 2 (2024): September 2024
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.9.2.77-93

Abstract

This study was conducted to find out how financial literacy and fintech lending services affect the financial management behavior of Muslim communities. This research uses a quantitative approach and surveys 272 respondents through electronic media. This research method uses the Structural Equation Model—Partial Least Square (SEM-PLS) equation by taking a case study of Muslim communities in Indonesia. The results show that financial literacy, ease of fintech lending services, and trust in fintech lending services have a positive and significant effect on Muslim communities' financial management behavior. Meanwhile, the benefits of fintech lending services do not have a significant influence on the financial management behavior of Muslim communities. However, information is crucial in determining and making decisions. In the context of fintech lending services, speed and convenience play an essential role in shaping a person's financial behavior. Furthermore, the policy and legality of fintech lending are critical in improving public trust in the use of these services. Increased public trust in fintech lending services will have an impact on people's financial habits.
Mental Accounting and Heuristics for Personal Finance Management Among University Students: Exploring the Emerging Role of Islamic Perspectives Sinaga, Tiur Enjel; Grania Mustika, Ira; Desyana, Gita
IJIBE (International Journal of Islamic Business Ethics) Vol 9, No 2 (2024): September 2024
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.9.2.94-102

Abstract

Parents have increasingly limited control over their children's spending and consumption choices. Therefore, each individual needs to hone good money management skills in order to make wise financial decisions. Often they spend carelessly and irrationally when they do not have good money management, resulting in poor money management. The purpose of this study was to determine how heuristics and mental accounting can be used in personal financial management. This study was conducted primarily on students who have not worked at the Faculty of Economics and Business, Tanjungpura University, Pontianak. A systematic literature review approach was used in this investigation. The findings show that most of the study respondents are still in the process of learning to use mental accounting, and the use of heuristics by students from the Faculty of Economics and Business (FEB) at Tanjungpura University in Pontianak is still lacking. Three main factors contribute to mental accounting and poor implementation of heuristics: low motivation, limited experience, and lack of information. Even though the sorting of the post has been completed, for students who have used mental accounting. However, this is impossible to achieve in practice because the respondents' financial decision making (heuristics) usually uses them to consume rather than save or invest.
Budget Participation on Managerial Performance With Budgetary Justice As A Mediation Variable Kirana, Ardilla Ayu; Kusuma, Emeralda Ayu
IJIBE (International Journal of Islamic Business Ethics) Vol 9, No 2 (2024): September 2024
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.9.2.142-157

Abstract

The purpose of this study is to obtain empirical evidence of the influence of budget participation on managerial performance and to obtain empirical evidence of the influence of budget justice as a mediating variable on budget participation on managerial performance. This research is descriptive quantitative research with associative research methods and explanatory research. The data were obtained using primary data in the form of a questionnaire with a sample size of 141 companies in the PT. Surabaya Industrial Estate Rungkut. The data analysis in this study used Structural Equation Modeling (SEM) with the Partial Least Square approach using the WarpPLS application. The results showed that budget participation has a significant direct effect on managerial performance, both before and after including the mediating variables of procedural, distributive, and interactional justice. Procedural, distributive, and interactional justice were found to mediate this relationship. The findings highlight the importance of budget participation and justice in enhancing managerial performance. Procedural, distributive, and interactional justice mediate this relationship, emphasizing that fairness in processes, resource allocation, and interpersonal treatment positively impact performance. This supports fairness, transparency, and respect in decision-making, fostering trust, motivation, and long-term organizational success through ethical leadership and justice-driven practices
Does Fintech Affect Consumer Retention in Islamic Banks? Empirical Evidence from OIC Countries Khan, Safeer Ullah; Sumarliah, Eli
IJIBE (International Journal of Islamic Business Ethics) Vol 9, No 2 (2024): September 2024
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.9.2.103-115

Abstract

FinTech is a trendy topic that has increased rapidly in Organization of Islamic Cooperation (OIC) countries, where Muslim consumers desire to use banking services in a Sharia conforming way. Thus, the research seeks to examine the effect of FinTech applied by Islamic banks of OIC countries on consumer retention.  The Islamic banking system in OIC nations has mainly been in the foreground in carrying FinTech to its operations at the initial phase. Although consumers typically do not select Islamic banks for technologies, the study tries to investigate the effect of FinTech in maintaining consumers. Data collection uses the strata sampling method; online questionnaires are spread and collected from 317 customers of chosen banks in OIC countries. SPSS 25.0 analyzes statistical data via numerous examinations such as regression analysis, factor analysis, sample adequacy, and reliability analysis. The results show that compliance, consulting services, and payments of FinTech affect consumer retention. However, financing services considered vital in conventional banks do not significantly influence consumer retention. The research tries to help Islamic banks satisfy their consumers by using FinTech applications and helping FinTech firms enhance their finance amenities.
Islamic Human Capital Strategies for Preventing Fraud in Sharia Cooperatives Sari, Yuli Indah; bin Mislan Cokrohadisumarto, Widiyanto
IJIBE (International Journal of Islamic Business Ethics) Vol 9, No 2 (2024): September 2024
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.9.2.116-130

Abstract

The issue of internal fraud remains a hindrance to the development of this Sharia cooperative. Preventive measures with a new approach are necessary early on to address fraud. This research aims to find a practical model of the role of Islamic human capital development in preventing internal fraud at Sharia cooperatives. The study utilized a qualitative approach with a sample of 7 Baitul Tamwil Muhammadiyah (BTM) affiliated with the Central Java branch of Pusat BTM, Indonesia, selected through purposive sampling. The research results identified a practical model of Islamic human capital development and its role in preventing fraud in the Sharia cooperative. This includes efforts to build an Islamic environment, incorporate Islamic values into operational regulations, foster knowledge sharing, organize structured and independent training, and identify other factors involved in Islamic human capital development. Spiritual, knowledge, moral, and behavioural approaches were employed to reduce fraud and loss frequency and enhance employee performance. 
The Influence of Mudharabah Financing and Murabahah Financing on Net Profit in Sharia Commercial Banks in Indonesia 2019–2020 Prasetya, Aulia Dinda; Winarsih, Winarsih
IJIBE (International Journal of Islamic Business Ethics) Vol 9, No 2 (2024): September 2024
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.9.2.131-141

Abstract

Mudharabah and Murabahah Financing are part of the Sharia Commercial Bank program, which aims to increase net profit. From 2019 to 2020, Mudharabah and Murabahah Financing were included in the three types of financing most popular with customers. The higher the value of Mudharabah and Murabahah Financing, the higher the net profit generated. This research analyzes the influence of Mudharabah and Murabahah Financing on the net profit of Sharia Commercial Banks in 2019–2020. The population of this study is Sharia Commercial Banks registered with the OJK in 2019-2020. The sample was taken using a purposive sampling method, obtaining a sample of 8 Sharia Commercial Banks. This study used secondary data, which uses documentation data collection methods. This study found that Mudharabah Financing variable positively affects the net profit of Sharia Commercial Banks. Meanwhile, Murabahah Financing variable does not affect the net profit of Sharia Commercial Banks.

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