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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 157 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.
Philanthropy and Global Warming: The Potential of Green Waqf in Addressing Climate Change in Indonesia Saputro, M. Bagus; Zahro', Khurun'in; Syahruddin, Syahruddin; Cahyo, Eko Nur
IJIBE (International Journal of Islamic Business Ethics) Vol 10, No 2 (2025): September 2025
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.10.2.144-154

Abstract

Indonesia, with its vast tropical rainforests, faces serious threats such as illegal logging and forest fires that exacerbate greenhouse gas emissions and environmental degradation. Amid this crisis, Green Waqf emerges as an innovative solution that leverages philanthropy for environmental conservation. This research examines the potential of Green Waqf in supporting forest conservation, carbon emission reduction, and climate change mitigation in Indonesia. The primary focus is on exploring the integration of Green Waqf with conservation efforts and the social and environmental benefits it offers, as well as identifying challenges and opportunities in its implementation. The methodology employed a qualitative, library-based approach, which enabled the author to verify prior research findings and contribute new elements. Descriptive analysis was used to provide an in-depth understanding of related theories and experts' views. The findings indicate that Green Waqf can be an effective tool for mitigating climate change through forest conservation projects, tree planting, and resource management. In addition to reducing carbon emissions, Green Waqf also provides social benefits by creating local economic opportunities and enhancing community welfare.
Exploring the Driving Factors behind Mobile Payment Adoption from the MSMEs’ Perspective Maghfiroh, Rahma Ulfa; Ilham, Moh.
IJIBE (International Journal of Islamic Business Ethics) Vol 10, No 2 (2025): September 2025
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.10.2.%p

Abstract

This study aims to explore the factors driving mobile payment adoption from the perspective of Micro, Small, and Medium Enterprises (MSMEs). With the advancement of digital technology, mobile payments have become a crucial innovation, expected to enhance the operational efficiency and competitiveness of MSMEs. This research employs a quantitative survey administered to MSMEs in Surabaya. The study measures the influence of performance expectancy, effort expectancy, social influence, trust, and facilitating conditions on behavioral intention and mobile payment adoption. Cluster sampling was used, covering 31 districts in Surabaya, yielding a total of 269 MSMEs. The results show that performance expectancy has a significant positive effect on behavioral intention, effort expectancy does not affect behavioral intention, social influence has a significant positive effect on behavioral intention, trust has a significant positive effect on behavioral intention, facilitating conditions have a significant positive effect on mobile payment adoption, and behavioral intention has a significant positive effect on mobile payment adoption. This research provides valuable insights for stakeholders, particularly in designing more effective strategies to increase mobile payment adoption among MSMEs.
The Role of Religious Value Co-Creation and Employee Customer Identification on Trust and Purchase Intention in Gold Installment Products of PT Bank Syariah Indonesia TBK Soerono, Mahendra Nusanto; Wikaningrum, Tri
IJIBE (International Journal of Islamic Business Ethics) Vol 10, No 2 (2025): September 2025
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.10.2.99-124

Abstract

This study aims to analyze the role of Religious Value Co-Creation and Employee Customer Identification on Trust and Purchase Intention in gold installment products at PT Bank Syariah Indonesia Tbk. The research gap that researchers have obtained shows inconsistent results, where some stated that religious value, co-creation, and employee customer identification affect purchase intention, and others stated that religious value, co-creation, and employee customer identification signified no effect on purchase intention. Interest in religious-based investment products, including Bank Syariah Indonesia's gold installment plans, can be influenced by religious value co-creation. In addition to religious value co-creation, employee-customer identification is another variable that can influence consumer interest. This study incorporates customer trust as a variable to bridge the gap. The sample was 110 Bank Syariah Indonesia customers using the hair formula with a purposive sampling technique. The process of data collection was conducted using a questionnaire. The results obtained within this study demonstrate that religious value co-creation displays a significantly positive effect on trust, employee customer identification shows a significantly positive effect on trust, religious value co-creation shows a significantly positive impact on purchase intention, employee customer identification shows a significantly positive impact on purchase intention, trust shows a significantly positive effect on purchase intention, trust mediates the positive and significant impact of religious value co-creation on purchase intention and trust mediates the positive and significant effect of employee customer identification on purchase intention.
The Commodification of Islamic Symbols for The Development of Halal Tourism Hakim, Andy; Ar Rahmah, Rizka; Farid, Ahmad Salman
IJIBE (International Journal of Islamic Business Ethics) Vol 10, No 2 (2025): September 2025
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.10.2.125-143

Abstract

This study examines the challenges and opportunities of developing halal tourism in Lake Toba, Indonesia, and provides recommendations to improve policies and facilities to better accommodate Muslim travellers. A qualitative case study approach was employed, focusing on Lake Toba as the research setting. Data were collected through in-depth interviews with key stakeholders, including government officials, tourism industry actors, and Muslim tourists, as well as through direct field observations. Thematic analysis was used to identify key issues and development potentials related to halal tourism. The findings reveal that although most visitors to Lake Toba are Muslim, there is a significant lack of halal tourism facilities, including halal-certified restaurants, sharia-compliant accommodations, and halal slaughterhouses. Policy inconsistencies between local governments also hinder coherent halal tourism development. Nonetheless, support from institutions such as BPODT and the Simalungun Tourism Office demonstrates promising potential for improvement. Social resistance, political complexity, and infrastructure gaps remain key challenges. The study highlights the need for enhanced halal facilities, harmonized interregional policies, and community education on the benefits of halal tourism. Strengthened coordination between government bodies and the private sector is essential for sustainable development. This research provides new insights into halal tourism development in a multicultural, predominantly non-Muslim area, emphasizing the importance of stakeholder collaboration, policy alignment, and sociocultural sensitivity.

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