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INDONESIA
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 210 Documents
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NATIONAL WAQF-BASED FOREST INDEX: TOWARDS ENVIRONMENTAL SUSTAINABILITY AND COMMUNITY EMPOWERMENT THROUGH SHARIA FINANCIAL INNOVATION Ali, Khalifah Muhamad; Tanjung, Hendri; Sukmana, Raditya; Sari, Indah Fresma; Jannah, Miftahul; Mustaqimah, Mu'minah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.72676

Abstract

Currently, the existing concepts of waqf management and forest management are still separated. It creates an opportunity to develop the concept of waqf-based forest management. This study aims to develop a National Waqf-based Forest Index (NWFI) as a standardized tool to measure the performance of waqf-based forest management practices. This research is a quantitative study that began with preliminary research and was followed by interviews with seven experts using the Analytical Hierarchy Process (AHP). Based on preliminary research, the index comprises five dimensions: institution (with three aspects), process (with three aspects), system (with three aspects), outcome (with twelve aspects), and impact (with three aspects). It is found in the AHP analysis that the institution and process dimension is considered the most important aspect for waqf-based forests, with an importance score of 0.227, followed by the system and impact dimension (0.197), and the outcome dimension (0.152). Based on the consistency rate, all experts' assessments were consistent. Regarding rater agreement, the outcome dimension and several indicators related to the environment and social facilities achieved the highest level of agreement (W ~0.400–0.500), whereas other dimensions and aspects, such as expert opinions, showed significant dispersion. In conclusion, this waqf-based forest index has the potential to strengthen the role of Islamic finance in supporting sustainable projects by providing the basic practical tool for the waqf-based forest nazhir and policy-makers to assess waqf-based forest management and construct future good nazhir governance. Further research and pilot projects are important to evaluate its effectiveness in measuring waqf-based forest management practically.
HALAL INTEGRITY AND COMPETITIVE INTELLIGENCE IN ENHANCING HALAL HOTEL STRATEGY IMPLEMENTATION Nugroho, Moh Agus; Manzilati, Asfi; Ekawaty, Marlina; Badriyah, Nurul
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.72724

Abstract

The rising popularity of halal tourism in Indonesia has led to have stronger competition among hotels aiming to attract to have Muslim travelers. Various challenges in implementing to have Halal Integrity (HI) and Competitive Intelligence (CI) are found to have frequently, especially within the components that form to have their Halal Tourism Innovation Strategy (HTIS). In this study, the focus is to have on exploring to have how the Halal Orientation Strategy (HOS) influences to have and impacts to have HTIS. A total of 310 questionnaires were distributed to have to managers of halal hotels in Indonesia, and quantitative analysis was conducted to have using SmartPLS on 271 responses that were validated to have and confirmed to have as valid.  According to the findings, HOS is to have the key mediating factor that connects to have HI and CI—both to one another and to HTIS. While HI promotes to have the implementation of halal principles, CI helps to have hotels stay to have informed about industry trends and competitor movements. By combining to have the strengths of CI and HI, HOS facilitates to have a more effective development and implementation of HTIS, ultimately giving to have halal hotels a stronger competitive position in the market. The findings suggest to have that halal hotels need to utilize to have CI in order to understand to have consumer preferences and market competition more effectively, while simultaneously strengthening to have their own HI through strict adherence to established halal practices. Hotel management also must devise to have HOS-based strategies that incorporate to have halal values into every aspect of their operations, thereby enhancing to have the overall effectiveness and efficiency of HTIS.
ESG INTEGRATION AND TRUST IN ISLAMIC INVESTMENT DECISIONS Saputera, Denny; Chen, Robin; Sukma, Andhi
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.73177

Abstract

There is little empirical understanding of how the credibility of ESG disclosures is related with investor-level determinants that influence the decision-making, performance, and sustainability impacts of Islamic investors. The present study examines the effects of ESG (Environmental, Social, and Governance) integration, financial literacy, and religious commitment on the investor decision, investment performance, and investment sustainability in an Islamic finance framework. It brings to the fore the intermediating role of trust in ESG disclosure, a critical psychological mechanism in investment behavior that has hitherto not been sufficiently studied in Islamic markets. The study was conducted using a descriptive-quantitative and cross-sectional approach, where 350 individual investors of Shariah-compliant instruments from Indonesia were surveyed through purposive sampling and the data analysis was done using the Partial Least Square Structural Equation Modeling (PLS-SEM) method. Results reveal that ESG integration has a significant positive effect on both decision-making and performance. Financial literacy indirectly promotes trust in ESG disclosures, but has no direct effect on decision-making and performance. Trust was found to be a key mediator between ESG and literacy on one hand and behavioural and performance outcomes on the other. Religious commitment strengthens the impact of ESG and trust on performance and sustainability, and acts as a moderating factor that bridges the gap between ethical considerations and financial decisions. Relationships are stable, and robustness checks indicate low sensitivity; the findings urge regulators to enhance ESG disclosure quality and institutions to align their practices with Islamic moral values.
ENVIRONMENTAL AND SOCIAL CONSCIOUSNESS IN SHAPING LOYALTY AMONG INDONESIAN ISLAMIC BANK CUSTOMERS Ibrahim, Muhammad; Putri, Akmalia Lutfiaturrosyida Agung; Afnani Rosyida; Fitri, Fauziyah; Zahirah, Novri Andini
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.73926

Abstract

Customer loyalty is important for sustainable development. This research focuses on customers' social and environmental consciousness and how it affects their loyalty to Islamic banking in Indonesia. This research applied a quantitative method. The data analysis used PLS-SEM. The data collecting period was between December 2024 and February 2025. During this period 260 responses were collected using an online questionnaire. The respondents were customers of Islamic banks in Indonesia. Purposive sampling was used to select respondents. Findings show that concern regarding social and environmental issues shapes positive attitudes. Furthermore, attitudes and bank perceptions were found to enhance satisfaction. Likewise, attitudes, perceptions and image of the bank were found to influence loyalty and trust. Self-efficacy moderate of satisfaction and loyalty. Customer satisfaction was found to influence trust and loyalty which is critical to Islamic banks. These findings show Islamic banks the sustainable practices they can undertake that can build loyalty.
DETERMINANTS OF ECONOMIC GROWTH IN THE OIC COUNTRIES: A GMM MODEL Lusiana, Dewi; Wau, Taosige; Wibowo, Muhammad Ghafur; Choiri, Miftakhul; Salic, Jawad Z.
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.74940

Abstract

Development issues are central to countries across the world, regardless of whether they are classified as developed or developing. The success or failure of development efforts is often reflected in the level of a nation’s economic growth, as this indicator serves as a key benchmark for assessing overall economic progress. Therefore, this study aims to have investigated how foreign direct investment (FDI), human capital, trade openness, and corruption influence the economic growth of OIC countries over the period 2012–2023. The analysis employs a dynamic panel framework using the Generalized Method of Moments (GMM). This study found that FDI has a negative and substantial influence on economic growth, that reveals the existence of obstacles to the utilization of foreign investment in the OIC region. In contrast, human capital and trade openness exert to have a favorable and substantial impact on economic growth, whereas corruption reveals to have a negative and substantial influence. The primary contribution of this research lies to having integrated corruption as a key determinant, an aspect that has received to have relatively limited attention in earlier studies on economic growth. Therefore, the policy implications of these outcomes emphasize the importance of implementing structural reforms to improve to have anti-corruption governance and create to have a trade and political environment that supports to have the acceleration of sustainable economic growth in OIC countries.
EVALUATING SERVICE QUALITY, CUSTOMER SATISFACTION, AND PERCEIVED TRUST OF ISLAMIC DIGITAL BANKS: INDONESIA AND MALAYSIA Al-Kamal, Abdullah Muhammad; Andriani Samsuri; Muhamad Abrar bin Bahaman; Imran Arshad; Nizar Hosfaikoni Hadi; Muhammad Widyarta Wijaya
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.80239

Abstract

Islamic digital banks operate entirely online, without physical offices, making the service quality of their apps a key factor in shaping customer satisfaction and trust. However, empirical evidence on how digital service quality affects satisfaction and how satisfaction plays a role in building trust remains limited, especially in Indonesia and Malaysia, where the Islamic digital banking industry is still in its early stages. This study aims to evaluate the influence of five dimensions of service quality, as defined by the SERVQUAL model, on customer satisfaction and to examine the role of satisfaction in building trust in Islamic digital banks. This study uses a quantitative approach, based on a survey of 284 users of Islamic digital banks in Indonesia and Malaysia. The data were analyzed using Structural Equation Modeling with the Partial Least Squares method. Service quality variables include tangibles, reliability, assurance, responsiveness, and empathy, with satisfaction as a mediator and trust as a dependent variable. The results show that only tangibles and assurance significantly affect customer satisfaction in both countries, while empathy and responsiveness show different effects across countries. Furthermore, satisfaction has a positive effect on trust and acts as a partial mediator in the relationship between service quality and trust. It confirms that improving the quality of digital services, particularly the ease of use of applications, assurance of Sharia compliance, and strong relationships and communication with customers, is an essential strategy for building long-term satisfaction and trust. Further research is recommended to include other variables to broaden understanding.
GLOBAL TRENDS AND KNOWLEDGE STRUCTURES IN HALAL TOURISM RESEARCH: INSIGHTS FROM BIBLIOMETRIC ANALYSIS Julina, Julina; Harahap, Nazruddin Safaat; Zahirah, Qonitah Rifda; Masrizal, Masrizal; Moi, Mohammed Rizki
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.80850

Abstract

Halal tourism has grown into one of the fastest-growing sectors of the travel industry worldwide, driven by rising demand for Sharia-compliant services. However, practical challenges persist in the industry, such as inconsistent service implementation, uncertainties in operational costs, and ambiguous international standardization. Our research aims to examine halal tourism using published studies from 2020 to 2025 to provide a comprehensive basis for forming a coherent picture of its evolution. Our research examines halal tourism using published studies from 2020 to 2025 to provide a comprehensive overview of its development. In this quantitative study, we utilized a bibliometric analysis approach. We retrieved data from the Scopus database and analyzed them using the Biblioshiny R module to explore publication trends, citation patterns, influential authors, journals, institutions, and country contributions. We also applied a keyword co-occurrence analysis to map the main intellectual and thematic patterns in halal tourism research. The findings demonstrate that Indonesia and Malaysia dominate both publication output and institutional productivity. We found that the Journal of Islamic Marketing is the most frequently cited journal in halal tourism research. The thematic mapping analysis highlights four principal clusters: Muslim consumer behavior and intention; service quality and competitiveness; sustainability and innovation; and governance and certification issues. This study contributes to  our integrative understanding of halal tourism scholarship by providing a comprehensive synthesis of performance indicators and thematic evolution. Our findings reveal emerging directions such as  digital transformation, halal lifestyle, and international collaboration, each of which is expected to guide future research efforts among scholars, practitioners, and policymakers.
THE EFFECT OF CYBER ATTACKS ON CUSTOMER TRUST IN ISLAMIC BANKS AND CONVENTIONAL BANKS Arlita Azzahra Addin; Lina Nugraha Rani; Valencia Kirana Rosadhillah; Binti Khusnul Hidayah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 12 No. 1 (2026): JANUARY - JUNE 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v12i1.64284

Abstract

Financial organizations are common targets of advanced cyberattacks and may be liable for substantial financial losses and reputational harm. Therefore, the objective of this study is to investigate the impact of consumer knowledge of cyber weapons, perceived threats, cybersecurity, and the adoption of PU for m-banking on consumer trust. Furthermore, in the wake of cybercrime, this study juxtaposes consumer trust in conventional and Islamic banks. Preliminary data were collected using quantitative methods through an online survey of conventional and Islamic bank customers (both users and non-users) in three selected provinces in Indonesia, characterized by a high density of banking activities, widespread use of mobile banking services, and high levels of exposure to cyber risks. The respondents had heard news about them being affected by details regarding cyber-attacks. A total of 200 respondents who fulfilled the criteria were included in this study. The method of analysis used was the Structural Equation Model-Partial Least Squares. According to the findings of this study, customers' knowledge of cyber threats hurt their trust in conventional and Islamic banks. However, perceived risk positively impacted customer trust in both types of banks. Cyber actions and the use of m-banking services both positively influenced customer trust in conventional and Islamic banks. Practically, these findings emphasized the importance of banks not only strengthening their cybersecurity strategies but also managing customer communication and the risks experienced to maintain and build trust in digital banking services after cyberattacks.
ZAKAT-ORCHESTRATED EMPOWERMENT PLATFORM: A CONCEPTUAL MODEL FOR INCLUSIVE FINANCIAL ACCOUNTABILITY AMONG WOMEN MICRO-ENTREPRENEURS Budi Dharma; Santi Novani; Oktofa Yudha Sudrajad; Kyoichi Kijima
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 12 No. 1 (2026): JANUARY - JUNE 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v12i1.75642

Abstract

This study examines why prevailing financing arrangements often fail to empower women micro-entrepreneurs, and develops a Zakat-based service architecture to address gaps in inclusion, capability conversion, and post-disbursement support. Guided by an abductive, design-science–oriented, and pragmatic stance, this study uses a multimethodology approach combining (i) diagnostic regressions based on a purposive survey of 302 unbanked women micro-entrepreneurs in Medan, (ii) interpretive triangulation through 10 semi-structured interviews, four reflective discussions, and institutional documents, and (iii) iterative artifact construction with plausibility checks through expert reviews in service systems and Islamic economics. The diagnostic results show that loan size is governed by rule-based eligibility criteria, namely repayment capacity, own capital, and collateral, while larger loans and higher operational spending do not systematically translate into sales growth. Complementary evidence also reveals substantial gaps in debt-management literacy. Drawing on Service-Dominant Logic, Service Systems Theory, behavioral finance, and Maqasid al-Shariah, this study develops the Zakat Service Platform for Women’s Empowerment, comprising five constructs: Access Equity, Effective Capital Use, Financial Capability, Relational Support, and Motivational Alignment. These are operationalized in the Zakat-Orchestrated Empowerment Platform (ZOEP) through Kijima’s 4C and a two-layer service system design that repositions amil as the platform orchestrators. This study proposes that Zakat institutions pilot ZOEP modules, including tiered verification, milestone-based disbursement, embedded capability tools, and mentoring loops, and evaluate the outcomes longitudinally while safeguarding justice, benefit, and dignity.
ZAKAT EMPOWERMENT THROUGH THE EMPOWERED VILLAGE PROGRAM: IMPLICATIONS FOR MUSTAHIK WELFARE Nur Efendi; Ahmad Hasan Ridwan; Mohamad Anton Athoillah; Ending Solehudin; Neneng Nurhasanah; Cecep Soleh Kurniawan
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 12 No. 1 (2026): JANUARY - JUNE 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v12i1.75967

Abstract

One of the main challenges in zakat utilization is creating sustainable impacts that enable mustahik to improve their socioeconomic conditions. This study analyzes the zakat empowerment strategy implemented through the Desa Berdaya (Empowered Village) program of Rumah Zakat and examines its impact on mustahik welfare from both material and spiritual perspectives. This study employs a mixed-methods approach. Qualitative data were analyzed using descriptive and SWOT analyses to examine the empowerment model, while quantitative analysis utilized the CIBEST Index to measure changes in mustahik welfare. The findings indicate that the Desa Berdaya strategy is based on three key approaches: continuous mentoring through village facilitators (Relawan Inspirasi), integrated empowerment programs tailored to local potential, and the optimization of community-owned village enterprises (BUMMAS). SWOT results place the program in Quadrant I, reflecting strong growth potential and opportunities for further development. The CIBEST analysis shows substantial improvements in welfare after participation in the program. Material welfare increased by 12%, spiritual welfare by 89%, the absolute poverty index decreased by 91%, and the overall welfare index improved by 145%. These results demonstrate that Desa Berdaya is an effective model of productive zakat utilization that contributes to sustainable poverty reduction and community empowerment. The study also underscores the importance of expanding productive zakat allocation to maximize long-term welfare outcomes.

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