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INDONESIA
Ikonomika : Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Islam Negeri Raden Intan Lampung
ISSN : 25273434     EISSN : 25275143     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
IKONOMIKA: focused on primary studies: Islamic management, Islamic finance, Islamic Accounting, Islamic banks, and halal markets, has initiated the development of global economic advantages. Islamic based economics could not be seen as independent variable standing on side-by-side with conventional economic system. Ikonomika Journal of Islamic Economics and Business is dedicated to provide an intellectual space of scholarly discussion how the Islamic economics able to create the new global formation of Islamic economics, business and similar issues.
Arjuna Subject : -
Articles 7 Documents
 1 
Search results for , issue "Vol 9, No 1 (2024)" : 7 Documents clear
Assessing The Awareness and Perceptions of Muslim Entrepreneurs on The Benefits of Islamic Microfinance in The Philippines Salic, Jawad Zacaria
IKONOMIKA Vol 9, No 1 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i1.17862

Abstract

Islamic banking is gaining popularity around the world as an alternative financial system that encourages ethical and socially responsible investing. The Muslim population in the Philippines accounts for a sizable share of the country's micro, small, and medium-sized enterprise (MSME) sector. However, due to a variety of problems, including a lack of understanding, limited access to Islamic Microfinance products, and insufficient regulatory frameworks, the adoption of Islamic financing among Muslim businesses remains low. The purpose of this study is to analyze Muslim entrepreneurs' awareness and perceptions of the benefits of Islamic Microfinance in the Philippines.A mixed-methods research strategy was used in the study, which combined quantitative and qualitative data collection methods. A survey questionnaire was distributed to selected Muslim entrepreneurs from diverse industries in the Philippines for the quantitative component. The poll measured their degree of awareness and understanding of Islamic finance, as well as their perceptions of the benefits of Islamic Microfinance and the factors that prevent them from utilizing Islamic Microfinance products. The qualitative component included in-depth interviews with selected respondents to acquire a better understanding of their experiences and perspectives on Islamic Microfinance.The study is important because it adds to the literature on Islamic Microfinance in the Philippines and has the potential to promote financial inclusion and economic development among Muslim communities. The study's findings shed light on the impediments to Islamic Microfinance adoption among Muslim entrepreneurs and influenced policy suggestions targeted at supporting the expansion of the Islamic finance industry in the Philippines. Furthermore, the conclusions of the study are applicable to other nations with considerable Muslim populations, particularly those with developing Islamic banking industry.The research's main outcome was a comprehensive investigation of Muslim entrepreneurs' awareness and attitudes of the benefits of Islamic finance in the Philippines. The study sought to provide empirical facts that may be used to inform the creation of policies and initiatives targeted at encouraging MSMEs in the country to use Islamic Microfinance products. Finally, the findings of the study contributed to the general growth and development of the Islamic finance industry in the Philippines, as well as to the promotion of financial inclusion and economic empowerment among Muslim communities.
Exploring Halal Awareness and Its Impact on Skincare Purchase Intentions: A Structural Equation Modelling Approach Vikaliana, Resista; Sukarno, Iwan; Raja Mohd Rasi, Raja Zuraidah
IKONOMIKA Vol 9, No 1 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i1.21091

Abstract

Indonesia, a nation with the highest number of Muslims, ranks second globally in terms of the consumption of halal cosmetics, following India. There is a growing worry about halal items. This study will examine the impact of halal awareness on intention to purchase skincare products. This study uses a Structural Equation Modelling technique using SMART PLS tools to analyze the factors driving purchase interest. These components include Religious beliefs, Self-identity, Halal Certification, and Halal Knowledge. The data collection in this study was conducted using a questionnaire, employing random sampling techniques to gather 57 samples. The findings of this study indicate that religion and self-identity do not substantially impact halal awareness. Conversely, the certification and understanding of halal practices substantially impact the awareness of halal products, including religious beliefs, self-identity, halal certification, and halal knowledge, which in turn has a major influence on the intention to acquire such products.
Decentralized Finance as a Digital Financial System in Maqasid Sharia Perspective Widiyanti, Marlina; Wusqo, Urwatul; Kadir, Syahruddin
IKONOMIKA Vol 9, No 1 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i1.21522

Abstract

The rise of innovation and technological development has triggered a revolution in the financial sector with a new 'non-centralized' system. The purpose of this study is to comprehend the idea of decentralized finance and pinpoint its advantages. Using literature sources, this study employs a qualitative descriptive methodology. Books, periodicals, and other publications are examples of secondary data. According to the study's findings, DeFi has five maslahah: 1) Maintain religion (hifzu al-din); 2) Preserve the soul (hifzu an-nafs); 3) Preserve offspring (hifzu al-nasl); 4) Preserve the intellect (hifzu al-'aql); and 5) Preserve property (hifzu al-maal). These principles align with technology and the development aspects of the era of Society 5.0. Consequently, it is advised that the government implement a regulation utilizing blockchain technology in the banking industry.
Evaluation Indonesian Financial Performance of Islamic Commercial Bank using Gaussian Mixture Model with Intervention Analysis Syalsabilla, Alya Fitri; Astutik, Suci; Shahuneeza Naseer, Mariyam
IKONOMIKA Vol 9, No 1 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i1.21760

Abstract

Indonesia, with its rich diversity and sizable Muslim population, holds a prominent position in global Islamic finance. Financial ratios like ROA, CAR, NPF, FDR, BOPO, and NOM are crucial for assessing bank performance. Employing Gaussian Mixture Model with Intervention Analysis enhances evaluation by identifying outliers and understanding their impact.Utilizing Islamic Banking Statistics from January to December 2023, this research employs purposive sampling to select relevant variables like CAR, NPF, FDR, BOPO, NOM, and ROA. Gaussian Mixture Model identifies data patterns, while Intervention Analysis examines factors affecting Islamic banking performance.Financial performance analysis reveals shifts from "Good Performance" to "Bad Performance" starting June 2023, linked to deteriorating metrics like NPF, FDR, and BOPO. Evaluation via GMM yields an AIC of 435.3409, indicating effective classification. Intervention analysis identifies significant NPF and ROA outliers, suggesting potential issues in loan quality and profitability.Analysis via GMM highlights performance dynamics in Islamic commercial banks, transitioning from "Good" to "Bad" post-June, mirroring critical metric shifts. Stable CAR indicates a solid base, but NPF outliers suggest risk management enhancements. BOPO outliers indicate inefficiencies, while ROA emphasizes profitability. Policy interventions should focus on risk management, cost efficiency, and profitability to sustain stability and competitiveness.
Lessons Learn From Islamic Banking in Aceh: Analysis of The Emergence, Growth and Prospects of Single Banking Sistem Jailani, Munawar Rizki; Bin Mohamad, Mohammad Taqiuddin; Danial, Danial
IKONOMIKA Vol 9, No 1 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i1.21956

Abstract

Banking in Aceh, one of the provinces in Indonesia, has a unique system known as the single banking system. This article aims to explore the emergence, growth, and prospects of this system in Aceh. The research was conducted using primary and secondary data sources. Primary data was obtained through interviews with experts consisting of academics, bankers, and Islamic banking observers in Aceh. Meanwhile, secondary data was obtained from published and unpublished documents. The research results reveal that the Qanun for Sharia Financial Institutions introduced a single window system in Aceh in 2018. However, the implementation of this system faces significant challenges due to the lack of banking infrastructure and human resources. Despite its potential benefits, the prospects for a single banking system remain uncertain as it could lead to a monopoly of banking services, given the limited banking services currently available. Nevertheless, the single banking system has the potential to increase efficiency and simplify processes, making banking services more accessible and convenient for customers in Aceh.
Professional Zakat and Social Transformation: an Analysis of The Economic Empowerment Policy of The Baitul Maal Foundation of Bank Rakyat Indonesia (YBM BRI) Hamid, Ahmad Munir; Arifin, Sirajul; Ahmed, Ishfaq
IKONOMIKA Vol 9, No 1 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i1.22783

Abstract

This study analyzes the role of Professional Zakat in social transformation through the economic empowerment policy of the Baitul Maal Foundation of Bank Rakyat Indonesia (YBM BRI). The research method uses a qualitative approach with data collection techniques through interviews and documentation studies. The results showed that YBM BRI has a strategic role in community economic empowerment through professional zakat. Through economic programs supported by zakat funds, YBM BRI has succeeded in providing training, business capital assistance, and coaching to the community to improve their economic independence. Policy analysis shows the importance of synergy between YBM BRI, the government, and the private sector in creating significant social impact. The implication of this research is the importance of continuing to increase the role of professional zakat in social transformation and inclusive economic development.
Islamic Banks in the Digital Age : Balancing Innovation with Sharia Principles Afdawaiza, Afdawaiza; Mas’ud, Riduan; Manulandong, Shahid Q.
IKONOMIKA Vol 9, No 1 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i1.24912

Abstract

As digital technologies evolve at an unprecedented pace, Islamic banks face the dual challenge of embracing innovation while maintaining strict adherence to Sharia principles. This article examines the strategies employed by Islamic banks to balance technological advancements with Sharia compliance, focusing on the integration of digital tools such as blockchain, artificial intelligence, and mobile banking. Through a review of current practices and case studies, this study identifies key factors that enable Islamic banks to innovate without compromising their ethical and religious obligations. The analysis highlights the potential benefits of digital transformation, including enhanced customer engagement, improved operational efficiency, and greater financial inclusion, while also addressing the risks associated with technological adoption, such as regulatory challenges and ensuring Sharia compliance in a rapidly changing digital landscape. The findings underscore the importance of a thoughtful, collaborative approach among technologists, Sharia scholars, and regulators to enable Islamic banks to navigate the digital age successfully. Achieving this balance is vital not only for maintaining competitiveness but also for upholding the integrity of Islamic finance.

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