cover
Contact Name
-
Contact Email
-
Phone
-
Journal Mail Official
-
Editorial Address
-
Location
Kota surabaya,
Jawa timur
INDONESIA
Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Airlangga
ISSN : 24426563     EISSN : 25273027     DOI : -
Core Subject : Economy,
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 187 Documents
DOES THE COMMUNITY'S PERSPECTIVE ENCOURAGE CUSTOMERS TO TAKE FINANCING PRODUCTS AT SHARIA BANK? Muharromah, Syahriyatul; Huda, Nurul; Muslikh, Muslikh; Rini, Nova
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.v9i2.47143

Abstract

This study aims to determine community interest in financing products at Islamic banks with a modified Theory Planned Behavior (TPB) approach. These modified TPB variables consist of knowledge, religiosity, attitudes, subjective norms and behavioural control. This research was conducted in Jakarta. Islamic banks located in the Jakarta area are the object of this research, and the sample is 130 respondents. The quantitative method with the Partial Least Square (PLS) analysis model approach with SmartPLS 2.0 software is the method used in this study. The variables of knowledge, religiosity, attitudes, subjective norms and behavioural control are exogenous, while the intervening variable is community interest, and the endogenous variable is financing decisions. The variables of knowledge, religiosity, attitudes, subjective norms and behavioral control, which have a direct positive and significant effect on the community's interest in using Islamic bank financing products, are the results of this study. Knowledge, Attitude and behavioural control directly and significantly positive affect the community's decisions to choose financing products in Islamic banks. The higher people's knowledge, Attitude and behavioural control, the higher the financing decision becomes the implications of this research result. Religiosity and  subjective norms significantly negatively affect the decision to choose financing products in Islamic banks. In addition, community interest also has a positive and significant effect on financing decisions. This means that, community interest can significantly mediate knowledge, religiosity, subjective norms, attitudes, and behavioral control influence financing decisions. Based on the research results, Indonesian Islamic Banks can develop business by emphasizing the religiosity side to inspire people to prefer financing of Islamic banks over conventional banks. Furthermore, Bank Syariah Indonesia should use social-environmental reference factors like friends, family, neighbors and religious figures
THE DETERMINANT ANALYSIS OF SERVICE QUALITY AND GOJEK'S MATCHING ALGORITHM ON THE SATISFACTION OF MUSLIMAH CUSTOMERS IN SURABAYA Al-Kamal, Abdullah Muhammad; Alya Rinaima, Chetrine; Toni Roby Candra Yudha, Ana; Permadi, Andhy
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.v10i1.47907

Abstract

Introduction: The purpose of this study is to determine the partial influence of service quality and matching algorithm on the satisfaction of female muslim (muslimah) student customers using Gocar services in Surabaya. The research aims to investigate the effect of these two variables. The selection of a ride-hailing service catering to Muslimah-friendly preferences in Surabaya is driven by the increasing demand for such specialized services that are satisfy and safe for Muslimah. Method: Data for this research were collected through questionnaires distributed to 100 muslimah students using Gocar services in Surabaya as the research sample. Surabaya was chosen due to the high demand of this service compared to most other cities in Indonesia. The mixed-method approach involved quantitative analyses such as validity and reliability tests, classic assumption tests, t-tests, F-tests, and the coefficient of determination. Additionally, qualitative data from the interviews were analyzed to provide a comprehensive understanding of customer experiences. Results: The result is both service quality and matching algorithm have a positive impact on customer satisfaction, both individually and simultaneously. However, some criticisms were identified, such as excessive interaction from drivers that made customers uncomfortable and long waiting times for pick-up due to distant driver locations. Conclusion and suggestion: Achieving customer satisfaction is crucial for any company, including Gojek, as the provider of Gocar services. To address customer satisfaction issues, Gojek should provide training on appropriate customer interactions for drivers and improve the matching algorithm to ensure closer driver-customer proximity without relying solely on Gocar instant points.
DETERMINANT OF CUSTOMER LOYALTY FOR BANK SYARIAH INDONESIA AFTER M&A ACTIVITY BASED ON CONFIRMATORY FACTOR ANALYSIS Mardianto, M. Fariz Fadillah; Cahyono, Eko Fajar; Previan, Anggara Teguh; Fitrianingsih, Eka Rani; Fauzan, Muhammad Hafid
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.v9i2.48051

Abstract

Introduction: The government of Indonesia consolidated three state-owned Islamic banks to become Bank Syariah Indonesia. Customer loyalty is affected by merger operations. The goal of this study was to look at how operational integration variables, information technology integration, bank location, service quality, bank human resource quality, and product quality affected customer loyalty at BSI's predecessor banks (Bank Syariah Mandiri, BNI Syariah and BRI Syariah). Methods: Primary data was collected using a questionnaire tool. Confirmatory Factor Analysis was employed as the analytical method. Results: Consumer loyalty to BSI post the merger is influenced by a number of variable aspects, according to the study's findings. All operational integration variables, IT integration, bank location, service quality, HR quality, and product quality have a major effect on BSI customer loyalty, but the operational integration variables, IT integration, and product quality have the most significance. Conclusion and suggestion: BSI perform operational integration, fast and good IT integration, and has better product quality than before the merger, the most influencing factor for customers to be loyal to BSI is when BSI performs operational integration, fast and good IT integration, and has better product quality than before the merger.
RAISING COMMUNITY AWARENESS OF HALAL PRODUCT CONSUMPTION AND HALAL LIFESTYLE: A TRIPLE HELIX MODEL Mardhiyah, Dien; Mawardi, Imron; Widiastuti, Tika; Al Mustofa, Muhammad Ubaidillah; Abdullah, Syahidah; Sinulingga, Rizky Amalia; Saptowati, Errin 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.v9i2.48403

Abstract

This study formulates a triple helix model for increasing community awareness of halal product consumption and lifestyle. It is essential to increase halal awareness not only as a form of religious obedience but also to provide consumers protection, improve product quality, encourage product innovation, and fulfil international standards. This qualitative study constructs a Triple Helix model using a descriptive analysis technique and the Inputs, Activities, Outputs, Outcomes, and Impact (IAOOI) Approach. The findings indicate that the government is crucial in answering the research question. The government is expected to provide optimal support for creating such an environment through laws, regulations, infrastructure development, and other methods. Academicians are responsible for conducting scientific research in the halal industry and social programs and disseminating their findings to the general public. Practitioners in the halal industry can participate in community-based events to increase public awareness of halal products and lifestyles. This research contributes to developing relevant policies for related stakeholders to increase community awareness of halal product consumption and lifestyle.
INTERNET USERS AND MACROECONOMIC FACTORS' IMPACT ON INDONESIA-MALAYSIA ISLAMIC FINANCE INDEX Milhatun Nisa'; Muhammad Ismail Sunni
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.v10i1.48772

Abstract

Introduction: The rise of the internet has revolutionized the way businesses operate and people interact globally, without exception, including Islamic finance. This paper aims to investigate whether or not the level of internet users, GDP per capita, exchange rate, labor force, and poverty are the determinants of the increase of the Islamic Finance Index (IFI) in Indonesia and Malaysia. Methods: This research is a quantitative study that employs a balance panel regression and causality tests for the period 2013 to 2020 quarterly. Results: It is empirically found that there was a relationship between internet users and other macroeconomic variables on IFI in the long term, which was significant. However, only the labor force and exchange rate have significantly and negatively impacted IFI. While the remaining variables were expected to be positive, poverty uniquely did not contribute to the performance of Islamic finance. Furthermore, the empirical findings portrayed that all determinants influenced the endogenous variable, but not the contrary. Conclusion and suggestion: By analyzing and delving into the link between internet users, macroeocnomic factors and Islamic finance, this study fills the literature gap which will be a guide for both policymakers and academies to grasp what dominant variables to prioritize for the acceleration of Islamic finance rectification in both Indonesia and Malaysia, aligned with the increasing rate and impact of internet users.
THE DETERMINANT FACTOR OF CROWDFUNDERS' BEHAVIOUR IN USING CROWDFUNDING WAQF MODEL: CASE STUDY IN GENERATION Z MUHAMMADIYAH Sayuti, Hendri; Syamsurizal; Zaimsyah, Annisa Masruri; Masrizal
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.v9i2.49413

Abstract

Introduction: The potential of Waqf is vast in Indonesia but has yet to be optimized. This paper offers a model for waqf institutions to adopt financial technology to develop Waqf for Muhammadiyah organizations. Later, the Crowdfunding waqf model (CWM) was validated by adopting the technology acceptance model (TAM) theory. Methods: This research adopts a structural equation using the partial least square approach to test the hypothesis. Based on purposive sampling, 568 questionnaires were distributed through an online survey to Generation Z Muhammadiyah. Results: Based on the findings, the Crowdfunding waqf model's perceived benefits and ease of use positively impact waqf institution trust and crowdfunder or donor behavioral intention. Furthermore, the results also found that literacy and religiosity significantly positively affect crowdfunding behavioral intentions in Waqf. Conclusion and suggestion: The results of this study provide a comprehensive perspective for policymakers, especially Muhammadiyah organizations, to improve quality by adopting crowdfunding financial technology in raising waqf funds. Finally, this paper offers additional literature on Waqf and Crowdfunding, particularly in the context of religious organizations.
MAXIMIZING THE COLLECTION AND DISTRIBUTION OF ZAKAT AND INFAQ (A CASE STUDY ON LAZ ZAKAT SUKSES) Yasin, Muhammad Fathoni; Aini, Nur; Go, Ratna Yulika
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.v10i1.49973

Abstract

Introduction: Indonesia possesses a significant potential for Zakah, yet the collected amount currently only reaches around 4.3%. This requires a diligent and dedicated effort to continuously enhance the growth of the collection, one of which is through the management strategy of Zakat Institutions. This research focuses on LAZ Zakat Sukses, the Best City-level LAZ at the National level with outstanding performance. Methods: This study aims to ascertain the internal and external factors held by the institution and determine the most appropriate strategy to maximize its performance achievements. Employing a qualitative descriptive research method involving internal and external analysis, this research utilizes matrices such as IFE, EFE, SWOT, IE, BCG, and QSPM. Results: The findings of this research indicate that the most suitable strategy for this Institution based on its current fundamental conditions is Market Development. Market development is a strategy aimed at expanding the organization's reach by entering new markets or segments with existing products or services. Conclusion and suggestion: Particularly expanding into new territories, is a promising direction for Zakat Sukses. Key points and actions to consider when implementing this strategy are Geographical Expansion, Strategic Partnerships, Strengthen Volunteer Network, Synergy and Collaborative Programs, Digital Platform Expansion, Fundraising and Program Distribution, Monitoring and Evaluation, Communication and Outreach, Risk Management, Sustainability. Successful market development and expansion require careful planning, strong execution, and adaptability to changing circumstances.
BUSINESS DEVELOPMENT STRATEGY OF PESANTREN'S COOPERATIVES: LESSONS FROM PESANTREN DAARUT TAUHIID Irfany, Mohammad Iqbal; Rahmat, Muhammad Alifka; Haq, Daffa Aqomal
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.v10i1.50327

Abstract

Introduction: Islamic boarding schools have significant potential to boost the Sharia economy, notably through cooperative formation. However, many of these cooperatives, including the Daarut Tauhiid Islamic Boarding School Cooperative (DT Cooperative), are not performing optimally. DT Cooperative contributes only 5% to the school's financial independence, and its residual business result (sisa hasil usaha, SHU) has varied over the last three years. This research aims to identify DT Cooperative's strengths, weaknesses, opportunities, and threats, and to establish strategic priorities for cooperative development. Methods: The Analytical Network Process (ANP) with a Strength-Weakness-Opportunity-Threat (SWOT) network was employed in this study. Results: The findings of this study indicate that strength is the top priority in establishing the DT Cooperative business. The most influential characteristics of strengths, weaknesses, opportunities, and dangers are a structured organization, suboptimal marketing management, a huge market share, and shifting company dynamics. The most important approach to pursue is to increase cooperation among various groups. Conclusion and suggestion: This research highlights the need to improve organizational relationships and address marketing management deficiencies in DT Cooperatives. By leveraging organizational strengths and fostering collaboration, Islamic boarding school cooperatives can better support Sharia economic efforts. Insights from this study apply to Daarut Tauhiid and similar cooperatives, and underscore the importance of policies that enhance training, consultation, and networking among Islamic boarding schools. This study contributes to the economic development knowledge of Islamic boarding schools, particularly cooperatives, in enhancing community welfare and supporting their economic independences.
FACTORS DRIVING GEN Z PURCHASING DECISIONS TOWARDS STREET FOOD WITH THE MEDIATING ROLE OF PURCHASE INTENTION Riska Widya Abiba; Muhtadi Ridwan; Khusnudin
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.v10i1.52301

Abstract

Introduction: This study examines the influence of product knowledge, halal awareness, subjective norms, and attitudes on street food purchasing decisions through purchase intention as a mediating variable. Method: This research includes quantitative research with an explanatory research approach. The population used in this study is Gen Z Muslims in Surabaya. The sample in this study amounted to 330 respondents obtained from the sampling technique, namely accidental sampling. To test the hypotheses built using partial least square (PLS) analysis techniques with Smart-PLS Version 3.2.9 software tools. Results: The results stated that product knowledge, halal awareness, attitude, and subjective norm are not significant effect on purchasing decisions partially. However, all dependent variables affect decisions through purchase intention. Means, customer intentions become critical point before their making purchases. Conclusion and suggestion: In summary, understanding purchase intention through customer behavior is essential to be considered by business actors to increase consumer assessment of these products. In this case, business actors need to educate related to food regulation such as having halal logo and ensure the product safety. By having proper assessment food vendors will be able to promote their product and increase customer purchasing intention. Furthermore, policymakers and related stakeholders also need to support food regulation and safety by having proper law and supply chain of halal ingredients.
DOES THE HALAL LABEL MEDIATE CONSUMER PURCHASING DECISIONS? Juliana, Juliana; Adamsah, Bahtiar; Utami, Suci Apriliani; Menne, Firman; Ismail, Shafinar; Inomjon, Qudratov
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.v10i1.53969

Abstract

Introduction: To determine the influence of price levels, celebrity  endorser, halal lifestyle and the level of halal labels as an intervening variable in purchasing decisions for Kahf products in Indonesia. Method: The method used in this research is quantitative with a causality. The sample for this research consisted of 240 respondents taken using purposive sampling which was carried out from September – December 2023. The analysis tool used was Partial Least Square – Structural Equation Modeling (PLS-SEM) using the SmartPLS 3 application. Results: The results show price levels, halal lifestyle , celebrity endorsers , halal labels, and purchasing decisions for Kahf products are in the high category. Then, the price level has a positive and significant effect on purchasing decisions for Kahf products , but the level of halal lifestyle and celebrities endorser no effect. Other findings show that the halal label is able to mediate price, halal lifestyle and celebrity endorser on the decision to purchase Kahf products . Conclusion and sugession: The development of marketing strategies by companies that sell at competitive prices, a halal lifestyle, and the support of well-known celebrities can improve the image of halal products and increase the appeal of consuls.