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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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Determinants of MSME Financing in OJK-Listed Regional Development Banks: An Islamic Perspective on Interest Rate as a Moderating Variable Fany, Firyal Afria; Utami, Yuni; Amirah, Amirah
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.10.1.41-57

Abstract

This study aims to analyze the influence of third-party funds, non-performing loans, return on assets, and capital adequacy ratio on MSME financing distribution with interest rates as a moderating variable at regional development banks (RDBs) registered with the OJK (Financial Services Authority of Indonesia) during the 2020–2024 period. The research uses 115 samples from a population of 23 companies, selected using purposive sampling. This study employs quantitative data obtained from published financial statements of the OJK for 2020-2024. The analytical methods used are multiple linear and moderated analyses (MRA), processed using SPSS software. The study shows that third-party funds, return on assets, and capital adequacy ratio positively and significantly affect MSME financing. In contrast, non-performing loans have no significant impact. Interest rates significantly moderate the relationships between third-party funds, non-performing loans, and capital adequacy ratios with MSME financing. Conversely, they do not exhibit moderation on the relationship between ROA and MSME financing.
Analysis of Insurance Services in Financing Insurance at Bank Syariah Indonesia Tamlija, Tamlija; Imsar, Imsar
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 investigates the implementation of insurance services within financing products at Bank Syariah Indonesia (BSI) Medan Juanda, focusing on service delivery, employee perceptions, and factors influencing its effectiveness. The approach used is qualitative experience-based research, which is carried out through interviews with eight customers and two employees. The findings reveal that the financing insurance services adhere closely to sharia principles, ensuring ethical and transparent processes that align with Islamic financial values. Employees perceive these services positively, acknowledging their significant role in providing customers with added value and financial protection. Supporting factors include a strong internal system and regular employee training, which contribute to effective service implementation. However, challenges such as limited customer understanding and persistent negative perceptions of sharia insurance hinder wider acceptance. The study’s insights emphasize the importance of enhancing customer education and addressing misconceptions to improve trust and satisfaction in Sharia-compliant financing insurance services.
Determinants of Financial Performance in Interest-Free Microfinance Institutions: Evidence from Ethiopia Ursad, Khalif Mohamed
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 examines the determinants of financial performance in Interest-Free Microfinance Institutions (IMFIs) in Ethiopia. While Islamic finance has been recognized for promoting financial inclusion, limited research has addressed the performance and impact of IMFIs within the Ethiopian context. A longitudinal panel data approach was employed, using audited secondary data from three microfinance institutions offering interest-free services from 2012 to 2021. The study applied pooled Ordinary Least Squares (OLS) regression to evaluate the impact of internal and external factors on Return on Assets (ROA) as a performance metric. The empirical results reveal that institutional size has a statistically significant and positive impact on ROA. In contrast, operational efficiency, debt-to-equity ratio, and the number of active borrowers exhibit significant negative effects. Capital-to-asset ratio, institutional age, and GDP were found to be statistically insignificant. Accordingly, the study identifies debt-to-equity ratio, operational efficiency, number of active borrowers, and institutional size as key determinants significantly influencing the performance of interest-free microfinance institutions in Ethiopia. This research contributes to the literature on Islamic finance by providing novel insights into the performance drivers of IMFIs in an underexplored market. The findings offer valuable implications for policymakers and microfinance practitioners seeking to enhance the sustainability and impact of Shariah-compliant financial services in Ethiopia.

Page 16 of 16 | Total Record : 153

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