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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 150 Documents
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How Do Digital Literacy Affect Millennial Investment in Sharia Capital Markets? The Role of Lifestyle Lemiyana, Lemiyana; Rusdi, Muhammad; Al Maraghy, Muhammad
IKONOMIKA Vol 9, No 2 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i2.23757

Abstract

The capital market in this technological era is often promoted by the government through the Indonesia Stock Exchange (IDX). This encourages the growth of investors, especially millennial investors. By conducting an empirical investigation into the mediating function of lifestyle between digital literacy and investment. Data was collected from 130 millennial investor in Palembang city. The data were analyzed using PLS-SEM analysis. The research results indicate that digital literacy  influences investment and lifestyle also affects investment. This study also shows lifestyle mediates the influence of digital literacy on investment.
Sysematic Literature Review on Purchase Decisions of Islamic Insurance in Indonesia Hanif, Syarifa; Hardiansyah, Hardiansyah; Rusydiana, Aam
IKONOMIKA Vol 9, No 2 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i2.23861

Abstract

The growth of the Islamic insurance industry is still not growing significantly when compared to the Muslim population in Indonesia. Therefore, this study aims to determine the factors that influence the purchase decision of Islamic insurance. This research is a qualitative research with a systematic literature review method supported by the PRISMA approach. Results of this study shown that psychological factors, individual factors, marketing factors and cultural factors are successively the factors that most influence the purchase decision of Islamic insurance.
Islamic Economic Principles for Urban Poor’s Economic Adaptation in Panjang, Bandar Lampung During Covid-19 Hidayati, Dewi Ayu; Ariyanto, Komang; Ibrahim Musaddad, Aliyu
IKONOMIKA Vol 9, No 2 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i2.23876

Abstract

In Indonesia, the Covid-19 pandemic, declared by the World HealthOrganization in 2019, has significantly impacted various sectors, especially theurban poor. This research examines the role of Islamic economic principles inguiding the economic adaptation strategies of the urban poor in the Panjang,Bandar Lampung, during the Covid-19 crisis. This study employs aphenomenological approach, with data collected through focus groupdiscussions, in-depth interviews, observations, and documentation. The datawere analyzed through data reduction, data presentation, and conclusiondrawing. The results show that Islamic economic principles—such as mutualsupport, equitable resource distribution, and effective debt management—played a crucial role in enabling economic adaptation. These adaptationsinclude pursuing additional income-generating activities, practicing prudentfinancial management, and seeking assistance from government programs,donors, and the private sector. In conclusion, integrating Islamic economicprinciples can enhance resilience and ensure the sustainability of livelihoodsamong the urban poor during crises.
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.
The Role of Interest as a Mediator in The Relationship of Knowledge And Islamic Financial Inclusion to The Loyalty Costumers of Non-Muslim Meilany, Ruswinalda; Fasiha, Fasiha; Moalla, Maya
IKONOMIKA Vol 10, No 1 (2025)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i2.25985

Abstract

Islamic banking in Indonesia is experiencing rapid growth with an increase in assets by 15% in 2023, including the growth of non-Muslim customers. However, its market share is still low at 7.3%, which triggers the need to understand the customer loyalty factor, especially non-Muslims. This study aims to explore the role of interest as a mediator between Islamic financial knowledge and inclusion on the loyalty of non-Muslim customers. This study uses a quantitative method with data collection through questionnaires that are analyzed using Partial Least Square (PLS). This study focuses on the entire population of non-Muslim customers at Bank BTN Syariah Kendari Branch with sampling techniques using accidental sampling. The results of this study show that knowledge and inclusion of Islamic finance have a significant effect on customer loyalty through interest with p values of 0.022 and 0.001 smaller than 0.05 and t-statistic of 2.289 and 3.407. The study concludes that knowledge and increased Islamic financial inclusion can strengthen the loyalty of non-Muslim customers
Motivation for Waqf in Millennials and Generation Z: Highlighting Religiosity, Literacy and Accessibility Fiqran, Muh.; Mujahidin, Mujahidin; Noor Bakri, Adzan; Jasmin A. Abdulrahman, Atty.
IKONOMIKA Vol 9, No 2 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i2.25986

Abstract

Indonesia has a huge potential for waqf. The magnitude of this potential is due to the majority Muslim population, especially millennials and generation Z. However, there are many factors that cause waqf to not be managed optimally by existing waqf institutions. This research discusses the motivation of millennials and generation Z in waqf through factor analysis of literacy, religiosity, and accessibility. The purpose of this study is to analyze whether literacy, religiosity, and accessibility have an influence on the motivation of the younger generation in waqf and see how much influence these factors have on the factors that motivate millennials and generation Z in waqf. The type of research used in this study is quantitative method. By collecting data using a questionnaire and involving 485 research respondents. After that, the data obtained was analyzed using the SEM analysis method supported by the Smart PLS application to determine the variables that have a significant effect on the motivation of millennials and generation Z in waqf. This research was conducted in South Sulawesi Province. The results of this study indicate that Religiosity and Accessibility have a significant and positive influence on the motivation of millennials and generation Z in waqf with each p-value of 0.000 which is smaller than 0.05 and a t-statistic value of 10.334 and 12.531, while Literacy does not show a significant effect with a p-value of 0.124 and a t-statistic of 1.537. 
Does Green Thinking Lead to Green Purchasing? Determinants of Sustainable Consumption Behavior of Indonesian Muslim Scholars Susanti, Vitria Susanti; Zuliansyah, Ahmad; Yama, Arifeen
IKONOMIKA Vol 10, No 1 (2025)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v10i1.26247

Abstract

The growing awareness of climate change and environmental issues has led to the rise of green consumerism and heightened global environmental concerns. As individuals become more mindful of their role in preserving the environment, green consumerism has gained significant traction. This research is distinctive in its integration of Islamic religiosity and environmental concern as additional factors within the Theory of Planned Behavior (TPB), a widely established framework in behavioral studies. Using a quantitative approach, the study investigates the factors shaping sustainable behavior among Muslim academics in Indonesia, with an emphasis on expanding the TPB by incorporating two new variables: religiosity and environmental concern. The results highlight a discrepancy between attitudes and behaviors, particularly in relation to green purchasing patterns. These findings contribute to the development of the TPB, enhancing its explanatory power by including religious and environmental concerns as key determinants of sustainable consumption behavior.
Determinants of Islamic Social Reporting Disclosure: a Meta-Analysis Pratiwi, Maisya; Mohammed Inuwa, Abubakar
IKONOMIKA Vol 10, No 1 (2025)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v10i1.26392

Abstract

Islamic Social Reporting (ISR) serves as a corporate governance mechanism to ensure accountability and sustainability. Over the past decade, increasing attention has been devoted to studying the determinants influencing ISR disclosure, such as profitability, company size, and the Sharia Supervisory Board (SSB). However, findings across these studies have been diverse and occasionally contradictory due to the heterogeneity in sample characteristics. This study aims to conduct a meta-analysis of prior empirical research to provide a comprehensive and holistic understanding of the effects of profitability, company size, and SSB presence on ISR disclosure. The findings indicate that company size has a significant positive effect on ISR disclosure, suggesting that larger firms are more likely to engage in comprehensive social reporting due to increased scrutiny and a need for legitimacy. Conversely, the effects of profitability and Sharia Supervisory Board on ISR were found to be positive but not statistically significant, implying that these factors alone do not robustly predict ISR practices. These findings contribute to the theoretical understanding of ISR and offer practical implications for policymakers and practitioners aiming to enhance transparency and accountability in firms. Policymakers can formulate regulations to encourage ISR disclosure, while practitioners can develop ISR strategies aligned with ethical and sustainability goals to meet stakeholder expectations for transparency and accountability. The study concludes with recommendations for future research to address the observed gaps and expand the empirical base of ISR literature.
Determinants of E-wallet Acceptance Among Low-Income Group in Malaysia: a Pilot Study Syafatul Aqilla Binti Samar, Nur; Ismail, Shafinar; Abd Rahman, Nur Hayati
IKONOMIKA Vol 10, No 1 (2025)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v10i1.26415

Abstract

Developing acceptance of e-wallets among low-income groups is challenging due to factors such as financial limitations, digital literacy gaps, and concerns about security and usability. This study proposes a relationship model using a quantitative research design to validate the hypothesized factors and establish their interconnections. The key determinants influencing e-wallet acceptance include performance expectancy, effort expectancy, and facilitating conditions, with behavioral intention serving as a mediating factor. To ensure the reliability and validity of the research instrument, a two-step verification process was conducted. First, a panel of experts reviewed the questionnaire during the validation phase, and their feedback was incorporated. Second, a pilot study was conducted to examine the instrument's consistency using Cronbach’s Alpha coefficient reliability screening in SPSS 29 software. The results confirmed that all items were reliable, with a Cronbach’s Alpha coefficient exceeding 0.7, indicating strong internal consistency
The Need for Micro or Takaful in Islamic Insurance Partnerships in the Philippines M. Radiamoda, Anwar
IKONOMIKA Vol 10, No 1 (2025)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v10i1.26527

Abstract

The study evaluates the feasibility of implementing affordable micro-Takaful solutions that align with Islamic finance principles to improve financial security for vulnerable groups. Findings indicate significant demand for Micro/Takaful in the Philippines, particularly among Muslim and low-income communities who face cultural and financial barriers to accessing conventional insurance. Micro-Takaful offers a Shari'ah-compliant, cost-effective alternative that fosters financial protection and mutual support. By promoting shared responsibility, it provides ethical insurance that aligns with Islamic values and has the potential to enhance social welfare, financial inclusion, and sustainability. The research highlights the importance of partnerships between Islamic financial institutions, local communities, and government entities to expand Micro/Takaful, ultimately improving financial security for underserved populations. With a growing Muslim population, the Philippines stands to benefit from this ethical model to meet the insurance needs of low-income communities.

Page 15 of 15 | Total Record : 150

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