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Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Airlangga
ISSN : 24426563     EISSN : 25273027     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Economics and Business Islamic (JEBIS) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews. The spread of Islamic Economics include: 1. Islamic Finance and Capital Market 2. Islamic Banking 3. Management of Islamic Business and Entrepenuership 4. Islamic Financial Institution non Bank
Arjuna Subject : -
Articles 199 Documents
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THE IMPACT OF PRODUCTIVE AND CONSUMPTIVE FINANCINGS ON INDONESIAN ISLAMIC BANKING PROFITABILITY: MARKOV SWITCHING DYNAMIC REGRESSION Wahid , Wahyu Wibisono; Mawardi, Imron; Al Mustofa, Muhammad Ubaidillah; Risyad, Mohammad Haidar; Nurrohman, Dzikri; Latifah, Nuria
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 1 (2023): JANUARY-JUNE 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i1.45639

Abstract

This study investigates the effect of Islamic bank financings on banks' profitability during two distinct periods, namely stable and unstable conditions. This study also examines the profitability tendencies of banks during the two periods mentioned. To answer these objectives, this study applies the Markov Switching Dynamic Regression technique to 173 monthly observations from the Islamic commercial banking industry from December 2007 to March 2022. In stable times, the results indicate that productive financing harms the profitability of Islamic banks. Productive financing entails greater credit risk and can raise principal-agent concerns, moral hazard, and adverse selection. Consequently, productive financing necessitates higher monitoring costs. In an unstable period, consumptive financing negatively affects Islamic bank profitability. The proportion of consumptive financing exceeds the proportion of productive financing. This then increases the risk of credit and default, especially during economic instability when many consumers request reconditioning and even restructuring of financings from the bank. In addition, the results indicate that the profitability of Islamic banking is anticipated to endure longer in stable regimes and to recoup more quickly from unstable or crisis regimes. The findings of this study will likely serve as references and materials for banking management decisions, particularly financing decisions during periods of economic stability and crisis. Islamic banking should prioritize consumer financing during periods of economic stability and increase the proportion of productive financing during periods of economic instability.
EXPLORING ISLAMIC FINTECH: A BIBLIOMETRIC APPROACH Irfan, Mohammad; Rusmita, Sylva Alif
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 1 (2023): JANUARY-JUNE 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i1.45713

Abstract

Introduction: In recent years, Islamic Fintech and bibliometric analysis in general have drawn more attention in the finance literature. In this study, all papers indexed in the Dimensions database that cover the wide topic of Fintech and Islamic Fintech from 2017 to 2023 are examined using bibliometric analytical tools.  Methods: The authors discovered 675 papers that met the set function, subject, and criteria requirements. The papers' publishing by knowledge area, annual study output, national contribution, author count, and most prestigious journals were all analysed. The co-occurrence of keywords and document citations was visually analysed using the VOS viewer. Filter the data set from "Islamic Fintech” or "Bibliometric Analysis” or "Literature Reviews”, and concluding the research on the 76 final publications. Results: According to the findings, the dimensions database includes depicts the second search on the keyword of "Islamic Fintech” or "Bibliometric Analysis”, than research found 97 publication from the different filed like, 51 publication form the articles, 19 publication from the edited book, 15 publication form the chapters, 7 publication form the preprint, 4 from proceedings, and 1 from the monograph. Research limitations/implications : The bibliometric analysis carried out was confined to Dimensions data. Other national and international databases were not taken into account for this research. Conclusion and suggestion: Between 2017 and 2023, this study examined relevant studies on bibliometric analysis of Islamic Fintech Publication. The study presents a concise review of the literature accessible to researchers working in this area and provides recommendations for future research.
PUBLIC PREFERENCE FOR MICRO WAQF BANKS: AN EFFORT TO INCREASE COMMUNITY BUSINESS Ramly, Arroyyan; Hamsa, Amrizal
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 2 (2023): JULY - DECEMBER 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i2.32973

Abstract

The Islamic financial literacy index in Aceh is still relatively low at 18.64% compared to the conventional financial literacy index. The purpose of this study is to analyze the level of preference of Acehnese people towards micro Waqf Banks. The presence of micro Waqf banks in Aceh seeks to improve the welfare of urban and rural communities. Quantitative method with multiple regression analysis techniques is used to study those variables. The source of data obtained is the primary source through distributing questionnaires to 100 respondents throughout Aceh. The variables used in this research are literacy index, preference, religiosity, and business motivation. The results indicate that the preference, religiosity, and business motivation have a positive and significant effect   on Islamic financial literacy with the prob value. 0.00 < = 0.05. the coefficient of determination shows a value of 0.9900, or 99.00 % which means that all dependent variables have a significant effect on islamic financial literacy while the rest are influenced by other variables. Regarding  the fact that Islamic financial literacy for micro waqf banks is 52% as well as the role of microwaqf banks support in  increasing micro-scale businesses in the community, public preference for micro waqf banks is still low compared to Islamic banks. Therefore the implications of this research have a positive impact on the community and academics in suggesting to continue  supporting the emerging of sharia-compliant businesses by utilizing micro waqf banks.
INVESTMENT DECISION OF DKI JAKARTA MILLENNIALS IN ISLAMIC PEER-TO-PEER FINANCING DURING THE COVID-19 PANDEMIC Dewi, Destiana Rahmawati; Arsyianti, Laily Dwi
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 2 (2023): JULY - DECEMBER 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i2.34072

Abstract

DKI Jakarta is the region with the highest proportion of internet users from the total population of each province on the island of Java, including in terms of the use of Financial Technology (FinTech). Islamic Peer-To-Peer Financing (IP2PF) is one type of FinTech that is an investment choice for millennials, but Islamic FinTech users from the investor side are still very few, especially during the COVID-19 pandemic. This research aims to find out the factors that influence the investment decisions of DKI Jakarta millennials in IP2PF during the COVID-19 pandemic through a sample of 100 DKI Jakarta millennial investors. The methods used are descriptive analysis and binary logistic regression with IBM SPSS Statistics 22 software tools. The results showed that during the COVID-19 pandemic, Islamic financial literacy, IP2PF knowledge, trust, social environment, gender, and income had a significant positive effect on investment decisions in IP2PF. Therefore, the IP2PF should closely build engagement to their customers, enlarge literacy coverage in supported by government to build the ecosystem.
THE URGENCE OF MONEY WAKF IN IMPROVING THE COMMUNITY'S ECONOMY Purwaningsih, Endang; Basrowi, Basrowi
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 2 (2023): JULY - DECEMBER 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i2.37708

Abstract

The aim of this research is to describe the role of cash waqf in improving the community's economy and the country's economic growth. The method used is by literature research with a content analysis approach. The research results show that the management/cash waqf management system found is still inadequate, thus hampering the realization of cash waqf by the community. However, if cash waqf is collected, it will become a new instrument for the government to boost the economy, especially in the post-pandemic period. The managerial implication is that there is a need to educate the public about the function of cash waqf and train nazir to be able to manage waqf using technology. The realization of appropriate waqf funds will ultimately increase the level of wakif trust in transparent and accountable waqf management.
APPRAISAL OF THE EMPOWERMENT AND TRAINING PROGRAM IN ACHIEVEING ZAKAT AMIL PERFORMANCE THROUGH ISLAMIC JOB SATISFACTION Munifatussaidah, Asma; Prasetyo, Ari
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 2 (2023): JULY - DECEMBER 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i2.42888

Abstract

Empowerment and training program become a new technique that makes employees proactive in improving their performance. Thus, this research purpose to observe the appraisal of the Employee Empowerment and Training programs of zakat in achieving Employee zakat (Amil) Performance by mediating Islamic Job Satisfaction at the Zakat Institution (LAZNAS) in Central Java. This research used quantitative method with a survey approach. The research sample was 180 Amil at 12 LAZNAS in Central Java, who served in the collection, distribution, and utilization of zakat with a minimum service period of two years, and had received training about zakat management. The research sample was selected through the purposive sampling technique and analyzed with the Partial Least Square (SEM-PLS). The research findings indicate that the variables Employee Empowerment and Training programs have an effect toward Islamic Job Satisfaction. Then there is the direct and indirect effect of the Training programs toward the AmilPerformance at the Zakat Institution (LAZNAS) in Central Java with the mediation of Islamic Job Satisfaction. Meanwhile, for the effect of the Employee Empowerment toward Amil Performance, there is no significant in direct effect. However, there is an indirect effect of the Employee Empowerment toward  Amil Performance at the Zakat Institution (LAZNAS) in Central Java with the mediating Islamic Job Satisfaction. This research was expected to be of particular concern to zakat institutions, especially in the human resources section to help provide information regarding the importance of empowering and training program for Amil performance in Zakat Institutions (LAZNAS) to improve collecting, distributing and utilizing zakat.
NON BANK SHARIA HOUSING DECISION SEGMENT: HALAL FRIENDLY ENVIRONMENTAL EFFECTS AS MODERATION Anggraeni, Erike; Normasyhuri, Khavid; Kusuma, Tri Atmaja Pramudita Wisnu; Nurohmah, Siti
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 2 (2023): JULY - DECEMBER 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i2.43974

Abstract

Introduction: The study conducted by researchers aimed to examine the correlation between pricing and digital marketing, as well as the impact of a halal-friendly atmosphere on the robustness of non-bank sharia-based property purchasing choices. Methods: The research methodology used in this study is quantitative, using the software SmartPLS 3.0. The collection of primary data was conducted by sampling respondents, namely non-bank sharia housing customers, via the purposive sampling method. A total of 500 samples were used for the study. The data was obtained via the use of Google Form, with the indicator assessment being conducted using a Likert Scale. Results: The study findings indicate a favorable correlation between pricing and digital marketing in connection to the decision-making process for purchasing non-bank sharia property. The establishment of a halal-compliant setting enhances the correlation between pricing and digital marketing in the context of consumer choices about non-bank sharia-compliant housing. Conclusion and suggestion:  The objective of this study is to identify market opportunities and offer guidance to sharia housing developers in developing innovative housing concepts that align with market demands. Additionally, the study aims to enhance developers' understanding of and ability to respond to the needs and preferences of buyers seeking a halal-friendly living environment.
NURTURING CUSTOMERS LOYALTY ON ISLAMIC BANK: THE ROLE OF SATISFACTION AND TRUST AS MEDIATION Riptiono, Sulis; Baehaqi, Muhammad
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 10 No. 1 (2024): JANUARY - JUNE 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v10i1.44849

Abstract

Introduction: Customer loyalty is a fundamental point in relational marketing that must be maintained and maintained by service providers. The urgency of nurturing loyalty of customers is the goal of this research, namely by developing a framework of customer loyalty in shariah banks using the antecedents to be tested. Method: A total of 250 Indonesian Islamic bank customers in Central Java were used as respondents taken using a convenience sampling technique. The collected data were tested, and the data were analysed using SEM with the AMOS statistical software. Result: The finding of the study shows from the nine hypotheses, there are six hypotheses accepted and three hypotheses rejected. High intrinsic religiosity of customers will increase customer satisfaction, trust and loyalty. Meanwhile, extrinsic religiosity is only able to make customers believe in Islamic banks, but is unable to influence satisfaction and loyalty. Other findings show that customer loyalty is based on their trust in Islamic bank services but is not directly influenced by satisfaction. Conclusion and Suggestion: Meanwhile, customer trust in Islamic banks is formed because of their satisfaction with the service. Although satisfaction is not significant on loyalty, its impact can affect trust, and trust is the key to increasing loyalty. This study's findings offer a new perspective on Islamic bank marketing strategies. By promoting proper service, product development, and operational excellence, these strategies can help build customer trust.
PUBLIC PERCEPTION OF AMIL ZAKAT INSTITUTIONS IN INDONESIA: INSIGHT DISCOVERY FROM MACHINE LEARNING Timur, Yan Putra; Ratnasari, Ririn Tri; Pitchay, Anwar Allah; Jamilu, Usman
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 2 (2023): JULY - DECEMBER 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i2.45416

Abstract

This study aims to identify the most popular topics and words in conversations on Twitter with the topic of Amil Zakat in Indonesia. This research also aims to identify the sentiments and emotions of netizens about the Amil Zakat in Indonesia. This study uses a qualitative method with a sentiment analysis approach with the help of Orange Data Mining. The data used are tweets from Twitter taken from 16 to 23 April 2023. Researchers used the keywords "Amil Zakat" "Lembaga Zakat" and "Lembaga Amil Zakat" to get a total of 1,000 tweets. The results of the study show that the words "Zakat" "Badan" and "Nasional" are the three words that appear most often in discussions of Amil Zakat institutions on Twitter. These three words refer to the BAZNAS, where based on the metadata processed in this study, many people, individuals, and institutions distribute their zakat through BAZNAS. Overall, Twitter is dominated by tweets with neutral sentiments, shown by happy emotions, as much as 93.51% of the total tweets. Amil Zakat can increase the intensity of communication through social media especially regarding solicitations for the community, as well as achieving the collection and distribution of zakat funds as a form of information disclosure to the public
DOES COVID-19 CAUSE STRUCTURAL CHANGES IN THE INDONESIAN STOCK MARKET BEHAVIOR? A COMPARISON OF ISLAMIC AND CONVENTIONAL STOCK Supriani, Indri; Artha Wicesa, Nayaka; Karina Tumewang, Yunice
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 10 No. 1 (2024): JANUARY - JUNE 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v10i1.46353

Abstract

Introduction: Islamic stock is believed to be more stable and less risky than conventional stock due to specific screening based on Sharia principles, particularly during economic downturns. This research aims to investigate whether the Covid-19 outbreak caused a structural break in Indonesia's Islamic and conventional stock markets. Methods: This study covers the period from January 2007 to June 2022, divided into sub-periods before Covid-19 (January 2007 to February 2020) and during COVID-19 (March 2020 to June 2022). The study adopts the time series regression method to examine the predicting factors of Islamic and conventional stock indexes, followed by the application of the Chow Breakpoint Test method to determine whether there are structural changes in the Islamic and conventional stock markets due to Covid-19. Results: The results of this study suggest that, in comparison to the period preceding Covid-19, the Islamic stock index demonstrates heightened sensitivity to fluctuations in predicting factors during the pandemic. Additionally, there is an absence of any structural break observed in conventional indices. Consequently, Islamic stocks exhibit lower resistance during crisis periods than conventional stocks. Conclusion and suggestion: This finding prompts a comprehensive evaluation of the Sharia screening standards by policymakers to enhance the resilience of Islamic stocks during economic turmoil. Moreover, based on the results, it is suggested that investors cannot consider the Islamic stock index as a 'safe-haven' instrument during financial turmoil. The result of this research assist investors in adjusting their investment strategies more effectively, particularly in bearish market conditions.

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