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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 153 Documents
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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.
Is Cryptocurrency Risky as An Investment Instrument? Analysis of Return and Risk with A Comparison of Sharia Stocks Ahmadi, Hanif
IJIBE (International Journal of Islamic Business Ethics) Vol 8, No 1 (2023): March 2023
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.8.1.40-53

Abstract

Cryptocurrency instruments show an increase in the number of investors in Indonesia, the increase in cryptocurrency investors is even bigger than the number of stock investors in the Indonesian capital market, even though stock investors also increase. The increase in stock and cryptocurrency investors is an indication that the investment climate in Indonesia is starting to improve, this must be accompanied by increased financial literacy regarding the returns and risks of an investment instrument, this research is important considering that understanding the returns and risks of an investment instrument is crucial in the decision making. The test in this study uses a descriptive statistics and independent sample t-test, if the sample does not meet the requirements of the parametric statistical test, it will use the nonparametric statistical test Mann Whitney Test, which aims to determine whether there is a difference in return and risk of cryptocurrencies and sharia stock prices for the period January 2015 to October 2021. This study finds that there are significant differences in the returns and risk of cryptocurrencies and Sharia Stocks. Based on descriptive statistics, the standard deviation of cryptocurrency returns is greater than the standard deviation of Sharia stocks, indicating that cryptocurrency risks are higher than Sharia Stocks.
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.
Improving Indonesia’s Sharia Banking Performance Through Intellectual Capital Efficiency and Sharia Compliance Nurcahyo, Satria Avianda; Ferdianto, Raditya; Kusumawati, Diah Ayu
IJIBE (International Journal of Islamic Business Ethics) Vol 10, No 1 (2025): March 2025
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.10.1.1-25

Abstract

This research aims to analyze improving sharia banking performance, which has become the main focus for sharia banks worldwide, including PT. Bank Syariah Indonesia in Semarang and Salatiga. It examines the role of intellectual capital efficiency and sharia compliance as mediating variables in improving sharia banking performance. The research methodology uses a quantitative approach through SEM PLS data collected by surveys using questionnaires. The research respondents were employees of PT Bank Syariah Indonesia in Semarang and Salatiga, with a total of 250 employees, consisting of 145 male and 105 female employees. The sampling technique used was a census, where the entire population was directly sampled, so the number of respondents was 250. The results of the analysis show that intellectual capital efficiency and sharia compliance have a significant influence on increasing sharia banking performance at PT. Bank Syariah Indonesia in Semarang and Salatiga. Sharia compliance has also been proven to be a mediating variable influencing intellectual capital efficiency and banking performance. This research provides a deeper understanding of the relationship between intellectual capital efficiency, sharia compliance, and increasing sharia banking performance in the context of Islamic banks in Indonesia. The implications of this research can help bank management identify areas that need improvement and optimize resources to improve their overall performance. By increasing the efficiency of intellectual capital management and ensuring compliance with sharia principles, PT. Bank Syariah Indonesia in Semarang and Salatiga improved its overall performance and strengthened the trust of customers and other stakeholders.
The Influence of Leverage, Financial Performance, and Capital Structure on Firm Value: An Islamic Perspective with Managerial Ownership as a Moderating Variable Utami, Galuh Mega; Waskito, Jaka; Utami, Yuni
IJIBE (International Journal of Islamic Business Ethics) Vol 10, No 1 (2025): March 2025
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.10.1.58-72

Abstract

The objective of this research is to assess the extent to which leverage, financial performance, and capital structure affect firm value, and to evaluate whether managerial ownership moderates these relationships with empirical evidence sourced from energy companies registered on the IDX for the 2021–2024. The analysis uses 88 samples from a population of 83 companies, selected using purposive sampling. This study employs quantitative data from published financial statements on the IDX for 2021–2024. Data processing employed multiple linear regression and MRA, utilizing SPSS as the analytical tool. The study finds that leverage and financial performance significantly enhance firm value. Meanwhile, capital structure does not significantly enhance firm value. Furthermore, managerial ownership moderates the relationship between leverage and firm value by strengthening the effect, and moderates the relationship between capital structure and firm value by weakening the effect. However, managerial ownership does not significantly influence the interplay between financial performance and firm value.
Point of View Maslahah Mursalah Among Workers in Organizations: Exploring an Islamic Perspective with Humanistic Value Prameswari, Dita; Nurcahyo, Satria Avianda; Damayanti, Adelia Ika; Rahayu, Indah; Fachrunnisa, Olivia
IJIBE (International Journal of Islamic Business Ethics) Vol 10, No 1 (2025): March 2025
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.10.1.%p

Abstract

This study aims to improve maslahah mursalah in organizations, measured from the perspective of today's active workers, and how they view maslahah mursalah in their respective workplaces. Humanistic leadership and work recognition are important and influential in implementing Islamic HRM in organizations. This study is motivated by several research gaps, especially the lack of research on maslahah mursalah in Islamic HRM. The method used in this study is quantitative research with a sample of 120 active workers in Grobogan Regency. Meanwhile, the sampling technique used is purposive sampling, with the criteria of working for a minimum of 2 years, aged 21-35 years old. Data analysis in this study is conducted with the SmartPLS 4.1 analysis tool. The study results show that humanistic leadership significantly influences work recognition, humanistic leadership significantly influences maslahah mursalah, work recognition significantly influences maslahah mursalah, and work recognition mediates the relationship between humanistic leadership and maslahah mursalah. On the other hand, there are findings related to the new concept of maslahah mursalah in organizations based on the perspective of today's workers who place more emphasis on knowledge, recognition, and reward.

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