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INDONESIA
I-Finance Journal
Published by Universitas Islam Negeri Raden Fatah Palembang
ISSN : 24768871     EISSN : -     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
I-Finance: a Research Journal on Islamic Finance is a peer-reviewed journal on Islamic finance.
Arjuna Subject : -
Articles 149 Documents
 11   12   13   14   15 
DETERMINANT ANALYSIS OF FACTORS AFFECTING MUSTAHIK WELFARE WITH MEDIATED BUSINESS DEVELOPMENT Meilda Avionita Anggraini; Firman Setiawan
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/gg70mx23

Abstract

This study aims to analyze the impact of the application of business capital assistance, training, training, and mustahik work ethic on mustahik welfare through business development. Sampling using non probability sampling technique with purposive sampling approach. The sample of this study were 50 mustahik members of the Independent Business Community (IBC) at the Al-Falah Surabaya Social Fund foundation who met the research criteria. This study uses quantitative methods with the PLS (Partial Least Square) approach through a path analysis model. The results of this study indicate the statistical t value for the variables of training, mentoring, and Islamic work ethic, respectively 1.987, 3.341 and 4.011> t table 1.960 so that it is said to have a significant influence on the welfare of mustahik through its business development. While the statistical t value of the business capital variable 0.402 < t table 1.960 does not have a significant effect on the welfare of mustahik through business development. In conclusion, the variables of training, mentoring and Islamic work ethic have a significant effect on the welfare of mustahik mediated by business development. While the business capital variable has no significant effect on the welfare of mustahik mediated by business development.
FIQIH MUAMALAH PERSPECTIVE ON THE DETERMINANT FACTORS OF THE DECISION TO USE SHOPEEPAY LATER THROUGH SHOPPING CONVENIENCE Rabiatul Adawiyah; Andi Martina Kamaruddin; Mukhtar Muhammad Salam
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/h3taen75

Abstract

This study aims to determine the role of ease of shopping in mediating the influence of understanding usury, and product knowledge on the decision to use shopeepay later reviewed from the perspective of muamalah fiqh. The population in this study were students of Mulawarman University, Sharia Economics Study Program, totaling 330 people. The sample was taken using the Arikunto formula, which ranged from 10% - 15% or 20% - 25% so that a sample of 36 students was obtained. The analysis technique used SEM PLS with outer model testing including validity tests, reliability tests and inner models including F square, R Square and Estimate For Path Coefficients. The results showed that the ease of shopping variable had a direct effect on decisions while understanding usury did not have a direct effect on decisions, and the product knowledge variable did not have a direct effect on decisions. The understanding of usury variable had a direct effect on ease of shopping while product knowledge did not have a direct effect on ease of shopping. The ease of shopping variable was unable to mediate the influence between understanding usury on decisions, as well as ease of shopping was unable to mediate the influence between product knowledge on decisions. The conclusion shows that only the ease of shopping variable directly influences the decision and only the understanding of usury variable directly influences the ease of shopping. Then the ease of shopping variable is unable to mediate the influence of understanding usury and product knowledge on the decision.
THE ROLE OF WORK ENTHUSIASM IN MEDIATING THE INFLUENCE OF COMPETENCE ON THE PERFORMANCE OF BANK SUMSEL BABEL SYARIAH EMPLOYEES Seftriani Arimbi Putri ER; Aryanto, Rudi; Said Abdullah Syahab
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/4zjv5n81

Abstract

This study aims to analyze the role of work enthusiasm in mediating the effect of competence on employee performance of Bank Sumsel Babel Syariah KC Palembang. This research method involves the use of a Likert scale as an assessment instrument. The population in this study were all employees of Bank Sumsel Babel Syariah Palembang Branch Office, totaling 35 people. The sample was taken using saturated sampling, namely all employees of Bank Sumsel Babel Syariah Palembang Branch Office were taken as a sample of 35 people. The analysis technique uses path analysis with the SEM PLS application. This study produces findings that competence affects employee performance, and the work enthusiasm variable also has an influence on employee performance, as well as competence affects work enthusiasm. However, work enthusiasm is not able to mediate the effect of competence on employee performance of Bank Sumsel Babel Syariah Office Palembang Branch Office. The conclusion shows that competence and work enthusiasm affect employee performance, competence affects work enthusiasm and work enthusiasm is not able to mediate the effect of competence on employee performance of Bank Sumsel Babel Syariah Office Palembang Branch Office
THE EFFECT OF WORK ENVIRONMENT AND ORGANIZATIONAL COMMITMENT ON EMPLOYEE PERFORMANCE WITH WORK CULTURE AS AN INTERVENING VARIABLE Nur, Nur Khairiyah Anita Nasution; Zunaidah; Isni Andriana
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v10i2.26886

Abstract

This study aims to determine, analyze and apply the influence of the work environment and organizational commitment on employee performance with work culture as an intervening variable on employees of PT Bank Tabungan Negara Palembang Branch Office. The population in this study were all employees of PT Bank Tabungan Negara Palembang Branch Office, namely 105 people. Then the sample was taken based on saturated sampling where all members of the population of 105 people were all used as samples. The analysis technique uses the Partial Least Square method using SmartPLS software with hypothesis testing based on the p value <0.05 or t count> 1.96 then the exogenous variable affects the endogenous variable and vice versa. The results showed that the work environment variable had no effect on performance, Organizational commitment variables have no effect on performance, Work culture variables affect performance, The work environment variable affects work culture, Organizational commitment variables affect work culture, Work environment variable affects performance with work culture variable as intervening variable, Organizational commitment variable affects performance with work culture variable as intervening variable.  The conclusion shows that only work culture variables affect performance, while work environment variables and organizational commitment have no effect on audit quality. Work environment variables and organizational commitment affect work culture. Work environment variables and organizational commitment affect performance with work culture variables as intervening variables.
INSTITUTIONAL QUALITY, ISLAMIC FINANCE AND ECONOMIC GROWTH OF SELECTED GLOBAL SOUTH ECONOMIES Ali, Jude Igyo
I-Finance Journal Vol 11 No 2 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i2.31032

Abstract

The study examines how institutional quality moderates the relationship between Islamic finance and economic growth across emerging economies of Bangladesh, Malaysia, Indonesia, Saudi Arabia, the UAE and Pakistan from 2014 to 2023. Using panel quantile regression, it explores how Islamic finance influences growth at different levels and how institutional factors shape this relationship. Unlike earlier single-country analyses, this research adopts a comparative approach, focusing on nations that collectively account for larger percentage of global Islamic banking assets. Findings show that Islamic finance contributes positively to economic growth, with banking assets consistently beneficial across all growth quantiles. The broader Islamic finance sector exerts its strongest impact around the median growth level. Institutional quality emerges as crucial, with its positive effects more evident at higher growth quantiles. At the 75th percentile, corruption control and governance effectiveness display the greatest influence. Moreover, the interaction between Islamic finance and institutional quality strengthens at higher growth levels, suggesting that strong institutions amplify developmental benefits. Countries with robust frameworks such as Malaysia and the UAE, gain more growth dividends than weaker institutional settings like Bangladesh and Pakistan concluding that Islamic finance drive sustainable growth with strong institutions
THE EFFECT OF FDI, NET EXPORTS AND INFLATION ON ECONOMIC GROWTH IN ASEAN-5 FROM AN ISLAMIC ECONOMIC PERSPECTIVE Ulfa, Ulfa Nur Halimah; Supaijo; Siska Yuli Anita
I-Finance Journal Vol 11 No 2 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i2.31315

Abstract

This study aims to determine and examine the effect of FDI, net exports, and inflation on economic growth in the ASEAN-5 emerging market countries. The research method used is quantitative. The population in this study consists of five ASEAN countries (Indonesia, Malaysia, the Philippines, Thailand, and Vietnam). The sample used in this study employs purposive sampling, which determines the sample by selecting members of the population according to the criteria required by the research. The data analysis technique in this study uses panel data regression with Chow and Hausman tests. The hypothesis testing series consisted of the F test, the test, and the coefficient of determination (R2). The results of this study prove that partial foreign direct investment does not have a positive and significant effect on economic growth. Net exports do not have a positive and significant effect on economic growth. Inflation has a significant positive effect on economic growth. Based on the results of the Chow test, Hausman test, and LM test, the Common Effect model is more appropriate for use in this study. The conclusion is that, simultaneously, foreign direct investment, net exports, and inflation have a significant effect on economic growth in the ASEAN-5 emerging market countries from 2020 to 2024  
Effects of Financial Performance on ESG Performance: Evidence from Indonesian Sharia Companies Koh, Heskey; Ervina Waty; Said, Jamaliah
I-Finance Journal Vol 11 No 2 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i2.31342

Abstract

This study analyzes the correlation between financial performance and Environmental, Social, and Governance (ESG) performance in Indonesian Shariah-compliant companies, leading to a significant research gap in the context of Islamic finance.  This study employs panel data from 20 companies listed on the Jakarta Islamic Index (JII) from 2019 to 2023, comprising 100 observations. A multiple linear regression analysis is conducted to investigate the relationships between ESG scores and financial indicators such as Return on Equity (ROE), total assets, and Tobin's Q.  The regression model indicates statistically significant findings, with ROE showing a significant positive correlation with ESG performance. Specifically, a 1 percentage point increase in ROE is associated with a 0.245 point increase in the ESG score, which supports a model where financial performance facilitates sustainability.  Company size and market valuation do not exhibit significant relationships with ESG factors.  Findings suggest prioritizing companies with robust ROE performance as indicators of financial health and ESG leadership within Shariah-compliant firms.  This study presents initial empirical evidence regarding the relationship between financial performance and ESG factors within the Indonesian Islamic capital market. It challenges conventional assumptions about the causality between ESG and performance by showing that profitability facilitates sustainability performance in Islamic firms.  This study provides significant insights into the expanding global Islamic finance sector, anticipated to attain USD 7.5 trillion by 2028, while advocating for integrated Islamic ESG frameworks that acknowledge financial performance as a basis for effective sustainability implementation. 
TAX AGGRESSIVENESS REVIEWED FROM LIQUIDITY, LEVERAGE, AND PROFITABILITY MODERATED BY INDEPENDENT COMMISSIONERS Miranda, Miranda Septy Andini; Shelly Prahadian Putri
I-Finance Journal Vol 11 No 2 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i2.31784

Abstract

This study aims to determine the effect of liquidity, leverage, and profitability on tax aggressiveness, which is moderated by independent commissioners. The population and sample consisted of all 13 Islamic Commercial Banks (Bank Umum Syariah/BUS) in Indonesia, with an observation period from 2020 to 2024 (5 years). The analysis technique used was Moderated Regression Analysis (MRA), processed using the STATA application, with hypothesis testing conducted using the t-test and F-test. Partially, only leverage has a significant influence on tax aggressiveness. Liquidity, profitability, and independent commissioners individually do not show a significant effect. Simultaneously, all independent variables (liquidity, leverage, profitability) along with the independent commissioner variable do significantly influence tax aggressiveness. The independent commissioner variable is not able to moderate the effect of liquidity and leverage on tax aggressiveness, but it is able to moderate the effect of profitability on tax aggressiveness. The conclusion is that, partially, only leverage affects tax aggressiveness, while liquidity, profitability, and independent commissioners do not. However, simultaneously, the four variables (liquidity, leverage, profitability, and independent commissioners) are proven to significantly influence tax aggressiveness. Furthermore, the independent commissioner is only capable of moderating the relationship between profitability and tax aggressiveness, and fails to moderate the influence of liquidity and leverage
DETERMINANTS OF SHARIA FINTECH GROWTH IN INDONESIA: AN INTEGRATIVE ANALYSIS OF MACROECONOMIC INDICATORS AND MONETARY POLICY Zaki, Muhammad Zaki As Shafi MT
I-Finance Journal Vol 11 No 2 (2025): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v11i2.31902

Abstract

The purpose of this study is to determine the influence of macroeconomic factors (inflation and exchange rates) and monetary policy (interest rates and money supply) on the growth of Islamic fintech in Indonesia. The study utilizes data on macroeconomic factors, monetary policy, and the growth of Islamic fintech (specifically Sharia P2P Lending) in Indonesia. The sample consists of 50 monthly observations from May 2021 to June 2025. The analysis technique employed is multiple linear regression, utilizing t-tests and F-tests for hypothesis testing. The results demonstrate that inflation negatively affects the growth of Islamic fintech, whereas the money supply and Bank Indonesia (BI) interest rates have a significant positive impact. In contrast, the exchange rate showed no significant direct influence. Simultaneously, macroeconomic factors and monetary policy significantly affect the growth of Islamic fintech in Indonesia. The study concludes that the primary drivers of Islamic fintech growth are inflation, BI interest rates, and the money supply, while the exchange rate does not play a significant role.

Page 15 of 15 | Total Record : 149

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