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INDONESIA
Ikonomika : Jurnal Ekonomi dan Bisnis Islam
ISSN : 25273434     EISSN : 25275143     DOI : -
Core Subject : Economy,
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 150 Documents
Evaluating Indonesian Islamic Financial Technology Scholarly Publications: A Bibliometric Analysis Sofyan, Syaakir; Nursyamsu, Nursyamsu; Sofyan, A. Syathir; Mansyur, Abdurrahman; Aisya, Sitti; Noval, Noval; Nurfitriani, Nurfitriani
IKONOMIKA Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v7i2.15552

Abstract

This study aims to examine the development of trends in Islamic fintech studies published in journals under the SINTA category. This paper uses the bibliometric method with Harzing's Publish or Perish analysis tools to collect 121 article metadata on Google Scholar and R Studio and VOSviewer to analyze bibliographic data obtained automatically. The results show that the number of publications on Islamic fintech has increased significantly. The results of the bibliometric analysis found that the authors tend to use the term "sharia fintech" rather than "Islamic fintech." Several research themes that may develop in the future are those related to mobile banking, financial performance, and Internet banking. This study contributes to future research and provides scientific novelty in the assessment of Islamic fintech publications in Indonesia, which are practically and theoretically very important for academics.
Covid-19 Pandemic Moderating The Influence of Competence, Work Motivation and Entrepreneurship Orientation on Business Performance and Sharia Perspective Sarwani, Sarwani; Suprihhadi, Heru; Feriswara, Dian; Lestari, Damajanti Sri; Listyawati, Liling
IKONOMIKA Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v7i2.15693

Abstract

The purpose of the article to analyze and empirically provethat the COVID-19 pandemic moderates the effect of competence, work motivation, and entrepreneurial orientation towards the business performance of SMEs. This study applies an explanatory approach to explain the causal relationship between variables through the hypothesis testing. Research data was collected by utilizing a questionnaire distributed to 130 SMEs and configured in 44 center groups in the city of Surabaya. Data analysis was conducted by Partial Least Square (PLS) approach.” Theresearch finding indicates that the COVID-19 pandemic as a moderating variable of the influence between variables. However, it turns out that not all the relationships regarding the COVID-19 pandemic are significant or strengthening.The empirical findings from the results of this study indicate that the COVID-19 pandemic has had a significant effect on competency, entrepreneurial orientation and business performance, as well as demonstrating the effect of entrepreneurial orientation on business performance.As for the effect of work motivation on entrepreneurial orientation and business performancehas an insignificant effect
Buying and Selling Broker: The Management and Islamic View Damirah, Damirah; Shalilah, Mar’atun; Iryanto, Rivaldo Kurniawan; Alaaraj, Hassan
IKONOMIKA Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i1.15744

Abstract

The rise of intermediaries in buying and selling transactions, where the seller uses another person to sell the goods, and vice versa, the buyer hires someone to look for goods to buy. However, in several facts on the ground, there were still irregularities that caused losses to both parties. This study aims to find out and understand the samsarah or broker contract in car buying and selling transactions at the Showroom Kab. bones. This research is a qualitative method with data collection through interviews, observation, and documentation. The results of the study show that samsarah contracts, which refer to transactions that use the services of people as an exchange, include samsarah contracts, which in Islamic fiqh can take the form of brokers, distributors, agents, and so on. The practice of buying and selling used car dealers or samsarah by Showroom in Kab. Bone in general fulfills the principles of honesty, transparency, and responsibility. The owner of the goods being sold will pay the intermediary by giving the broker permission to increase the selling price. According to scholars, buying and selling through intermediaries is legal as long as all parties benefit including sellers, buyers, and intermediaries, then this type of intermediary business is permissible. However, this business activity must carry out payment transactions through Islamic banks so that they run perfectly according to Islamic principles.
Do The Socio-Economic Status, Religious Attitudeand Customer Perception Impact On Customer Behavior? : Islamic Banking Case Yuliaty, Tetty; Dalimunthe, Doli Muhammad Jafar; Hawariyuni, Weni
IKONOMIKA Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v7i2.15827

Abstract

This study aims to investigate customer behavior at Islamic banks,Indonesia. This research was analyzed by using path analysis approach involving 200 respondents as customers at several Islamic banks in Medan, Indonesia. Based on this research show the socio-economic status and religious attitudes have positively and significantly impactto customer behavior. On the other hand, socio-economic status and religious attitude are also positively and significantly impact for customer perceptions. Customer perceptions have the implication to increase positive customer behavior, sharia banking managers in Indonesia need to foster the religiosity of customers and target prospective customers who have good religiosity and good socio-economic status.
Optimization The Role of Sharia Bank in National Economic Recovery Through Results-Based Micro-Finance Yusmat, Muammar Arafat; Bakri, Adznan Noor; Rizaldy, Muhamad Rizky
IKONOMIKA Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i1.15932

Abstract

The problem in this research is that the Covid 19 pandemic that occurred in early 2020 resulted in a decrease in the performance of small, micro and medium enterprises. The most felt impact is the difficulty in paying off debt in the banking sector so that not a few MSME business actors take the path of restructuring their loans. The purpose of this research is to design a formulation of a sharia-based micro business financing model formulation. This research aims to create an appropriate microfinance model so that Islamic banks can play an optimal role in the national economic recovery program. This study found the right model for financing if you want to use a maharajah contract: (1) paying profit-sharing salaries, (2) buying ideas, (3) profit sharing without salary, and (4) instrumental alternatives such as endowments. This study uses a research method with a qualitative approach. All data comes from in-depth interviews and FGDs with customers, Islamic banks as practitioners, and several Islamic banking experts as academics. All information is processed using a process hierarchy analysis technique or AHP to produce the right model for micro business financing
Does Sharia Dormitory Business Unit support Islamic University Sustainability? Market, Financial, and Maqashid Sharia Analysis Mubarak, Zaki; Faridah, Rohana; Yuliani, Rahma; Sukarni, Sukarni; Fong, Michelle
IKONOMIKA Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i1.15990

Abstract

Islamic universities in Indonesia face challenges in sustaining operations and improving service quality. One approach to addressing these challenges is to establish business units within the universities, which can generate additional revenue and improve service delivery. To this end, some new Islamic state universities establishing business units as part of their efforts to change institutional status to a Public Service Agency (BLU). This study assess whether a sharia dormitory business unit can support  the sustainability of an Islamic state university by analyzing market potential, financial feasibility, and compliance with maqashid sharia. The study draws on a survey of 200 respondents to assess the market demand for the business unit and conducts a feasibility analysis based on Net Present Value (NPV), Pay Back Period (PP), and maqashid sharia aspects. The paper argues that the sharia dormitory business units can contribute to Islamic state universities sustainability by generating additional revenue, enhancing the quality of service to students, and aligning with maqashid sharia principles.
Islamic Work Ethic in Mediation Influence Spirituality at Workplace, Organizational Changes, Work Ability on Organizational Commitment in Sharia Bank Employees in Medan City Prayogi, Muhammad Andi; Asmuni, Asmuni; Nasution, Yenni Samri Juliati
IKONOMIKA Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i1.16296

Abstract

Human resources are important things that must be maintained in a company's organization. The research approach uses an associative approach: looking at the relationship between one variable and another. The sample in this study amounted to 158 respondents, those who were employees of Islamic banking in the city of Medan. Data analysis techniques use SEM Lisrel 8.80 and the Analytical Hierarchy Process (AHP). The results of the research show that there is a direct effect of spirituality in the workplace, organizational change, and work ability on organizational commitment. There is a direct influence of spirituality in the workplace, organizational change, and work ability on the Islamic work ethic, as well as an indirect effect of spirituality in the workplace, organizational change, and work ability on organizational commitment mediated by the Islamic work ethic of employees in Islamic banking in the city of Medan, as well as the existence of a spirituality-based human resource hierarchy model that can be applied to Islamic banking in the city of Medan to be able to realize what is the goal of Islamic banking and to avoid irregularities in the process of achieving the intended goals.
Effectiveness and Efficiency of the State Revenue and Expenditure Budget Policy in South Sumatra: Islamic Perspective Study Setyadi, Bakti; Helmi, Sulaiman; Mohamad, Syed Ismail Syed
IKONOMIKA Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i1.16465

Abstract

Effective and efficient management of state finances has an essential role in Islam. This exploratory, descriptive study aims to analyze the effectiveness and efficiency of state revenue and expenditure budget policies in South Sumatra from an Islamic perspective. This research was conducted at the South Sumatra Provincial Government, especially at the South Sumatra Provincial Archives Service. Data were obtained from interviews, observations, and secondary sources, such as regional financial reports and South Sumatra audit reports, published publicly. Analysis of data on the ratio of effectiveness and efficiency is calculated by comparing the realization of APBD revenues with revenue targets. The results of the study show that the implementation of state revenue and expenditure budget policies in South Sumatra has been effective and efficient. In addition, the realization of the budget is also the same between the expected targets and the results obtained in the implementation of the state revenue and expenditure budget policy in South Sumatra. The principles of Islamic economics in the context of state financial management are based on fairness, justice and social welfare, and emphasize the importance of ethical behavior and transparency in economic transactions. It is very important to ensure that the government's revenue and expenditure policies are in line with the general objective of increasing social welfare and ensuring economic equity. The findings of this study indicate that the Provincial Government of South Sumatra has effectively implemented revenue and expenditure policies that are in line with sharia economic principles.
The Sharia Fintech Product on Bank Performance during COVID-19 Pandemic Laksana, Rio Dhani; Shaferi, Intan; Aydogmus, Ilkay
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v8i2.16521

Abstract

Throughout the COVID-19 epidemic, the Fintech sector has continued to increase access to financial services, especially in developing nations. This study aims to look at how Indonesian Sharia banks' performance is affected by Sharia fintech products (FTPs). Sharia fintech products are a combination of financial and technological innovations that can facilitate customers' transactions and investment processes based on rules and Islamic law so that customers intend to use the Sharia fintech products and then perform well in the bank. This study used 250 Sharia bank customers given self-designed questionnaires as part of our data collection. This study looked at the fictitious relationship, and the results reveal that FTPs have a considerable impact on bank performance, as indicated by the path coefficient and t-value using correlation regression analysis. The study's findings perspectives on how convenient Sharia fintech products (FTPs) are for users. Clients are more receptive to FTPs when they see their use and simplicity in everyday tasks and work. The study's conclusions show that bank performance is positively and significantly impacted by Sharia fintech products of financial transaction platforms (FTPs). Also, the COVID-19 epidemic hastened changes in how people engage with financial services, leading to a hitherto unheard-of demand from poor countries to accelerate their transition to open and safe digital money.
Potential Analysis of Zakat in Sharia Banking For Alleviating Poverty Anwar, Deky; Juniawati, Mutmainah; Muwazir, Mohd Rizal
IKONOMIKA Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i2.16554

Abstract

Zakat collection is considered as one of the economic instruments in Indonesia, particularly for the Muslim community, aimed at alleviating poverty. It is well-known that Indonesia has the largest Muslim population in the world, thus the potential of zakat for poverty alleviation in the country is significant. This research aims to analyze the extent of zakat potential in Islamic banking in Indonesia for poverty alleviation. The research utilizes a qualitative descriptive method with content analysis as the data analysis technique. Secondary data, specifically the annual reports of Islamic Commercial Banks (ICBs) from 2019 to 2021, serve as the documents for this study. The findings indicate that the potential of zakat in Islamic banking remains small compared to the potential that should exist in Indonesia. Therefore, it is advisable for the government to implement policies that focus on improving both the collection and management of zakat, involving both the public and the Islamic banking sector.