International Journal of Islamic Business and Economics (IJIBEC)
International Journal of Business and Islamic Economics (IJIBEC) is an international journal providing authoritative source of scientific information for researchers and scholars in academia, research institutions, government agencies, and industries. ISSN IJIBEC is 2599-3216 and Online is 2615-420X. We publish original research papers, review articles and case studies focused on Islamic Bussiness and Economic as well as related topics. All papers are peer-reviewed by at least two reviewers. IJIBEC is published and printed by Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan, the journal is in collaboration with the Ikatan Ahli Ekonomi Islam Indonesia (IAEI) Komisariat IAIN Pekalongan and Masyarakat Ekonomi Syariah (MES) Pekalongan Raya.
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<![CDATA[Altruism Models In Islamic Consumption System ]]>
<![CDATA[Muflih, Muhammad]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan ]]>
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DOI: 10.28918/ijibec.v1i2.995
<![CDATA[This study succeeded in proving that altruism is an inseparable element in the Islamic consumption system because it is able to lead a consumer to the best level of godliness. Just by assuming that , the formation of satisfaction in Islamic altruism cannot be determined by one stage. It is plotted into three stages, namely: (1) compassion utility originating from the spirit of social emotion, enabling it to create as an emblem of emotional satisfaction; (2) rationalizing social-spiritual gain originating from a motivation to reach a religiously promised reward for a sacrifice made by a consumer for the poor and needy, resulting in as an indicator of a consumer’s gains; and (3) God and human relationship originating from the spirit of a consumer to always be close to God absent of reward, symbolized by . What is unique is the three forms of altruism have a one direction altruism pattern unknown to among economists and altruists. This finding is especially contributes to the Islamic Philanthropic Institution in identifying a class of altruism in Muslims. Evidently, their altruism pattern is closely attached to their consumption system.]]>
<![CDATA[Expanding Women’s Access To The Banking Sector ]]>
<![CDATA[Maftukhatusolikhah, Maftukhatusolikhah]]>;
<![CDATA[Mardiyah, Siti]]>;
<![CDATA[Litriani, Erdah]]>;
<![CDATA[Delasmi, Sri]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan ]]>
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DOI: 10.28918/ijibec.v1i2.1014
<![CDATA[The increase in micro, small, and medium enterprise (UMKM) units managed by women has contributed a positive impact on reducing poverty rates. The data highlighting lack of female entrepreneurs of UMKM who used and/or are supported with financing facility from banks have led to some emerging questions to be discussed. This present study promotes significance, namely: 1) The effectiveness of financing tends to affect the banks’ performance through created demands; 2) The results of this study are expected to enhance the attention of Islamic banking to female customers by increasing the allocation of financing for those customers; 3) The further implication of these findings is the increase in national economic growth from the UMKM actuated by women; 4) The broader implication is the reduction of working women at high risks because of the conducive business climate in Indonesia with the support of the banking sector. Therefore, this quantitative research that was conducted with regression analysis focused on the internal factors to analyze perceptions, behavior, culture and social class of female customers towards the effectiveness of working capital financing at Islamic banking in Palembang. The findings revealed that the variable of perceptions gave a positive effect on the effectiveness of financing of 0.316, behavior showed a positive impact on the effectiveness of financing of 0.676, culture noted a positive influence on the effectiveness of financing of 0.346, whereas social class demonstrated a negative impact on the effectiveness of the financing of -0.14.]]>
<![CDATA[The Contribution of Nusantara Moslem Local Tradition on Micro Finance Risk Management in Indonesia ]]>
<![CDATA[Hidayat, Nur]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan ]]>
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DOI: 10.28918/ijibec.v1i2.996
<![CDATA[The aim of the study is to explore the local tradition in Bondowoso Pendhalungan society which bases consideration in the risk management of the micro finance sector in Bondowoso. The method of this study was qualitative research used grounded method. We collected data through participatory observation for 3 years from 2013 until early 2016, semi-structured interviews and literature studies. The results showed the gap that the banks early warning sign (EWS) only considered the financial aspects, the non-financial aspect and transaction aspect, not concerning the cultural aspects. Based on the results of the research, it was found that financial performance in the form of loans, deposits and credit quality (non-performing loans) were affected by the implementation of local cultural tradition. From the results of the study, researchers gave suggestions for banking in Bondowoso and in Indonesia to consider aspects of the local culture or local wisdom as the basis of consideration of banking operations strategies in each region in Indonesia.]]>
<![CDATA[Strong Correlations of Sharia Market To Conventional Market: Evidence From Indonesia Stock Exchange ]]>
<![CDATA[Nurhayadi, Yadi]]>;
<![CDATA[Wijiharjono, Nuryadi]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan ]]>
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DOI: 10.28918/ijibec.v1i2.1003
<![CDATA[Significant differences between Islamic Economic System and Conventional Economic System should generate differences between sharia market and conventional market. Conventional market clearly is influenced by interest rate and speculation that is normal in Conventional Economic System. But, interest rate and speculation are prohibited in Islamic Economic System. Sharia market should be free of interest rate and speculation. In fact, by bivariate and multivariate analysis, financial market indicates that there are strong correlations between sharia market and conventional market. This fact is based on research on Indonesia Stock Exchange data from December 2006 to November 2016 (ten years). Sharia market is represented by Jakarta Islamic Index (JII) and Indonesia Sharia Stock Index (ISSI). Both of them have strong and positive correlation with Jakarta Stock Exchange (JSX) Composite Index or with Jakarta Stock Exchange Liquid (LQ45) Index. Jakarta Composite Index and LQ45 are classified as conventional market. These conditions indicate that sharia market goes together with conventional market in the same character. Is sharia market inconsistent with its sharia principles? Why sharia market is not running on the track?]]>
<![CDATA[Identifying Financial Exclusion and Islamic Microfinance as An Alternative to Enhance Financial Inclusion ]]>
<![CDATA[Maulana, Hartomi]]>;
<![CDATA[Umam, Khoirul]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan ]]>
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DOI: 10.28918/ijibec.v1i2.1004
<![CDATA[Even though the banking industry is growing exponentially, but they are still out of reach from the hardcore poor. The population under poverty remains financially excluded from the mainstream banking facilities. The aim of this paper is to examine the main factors that hinder customers to access financing from mainstream banking in Indonesia province of East Java using Exploratory Factor Analysis (EFA). The study also attempts to identify the possibility of Islamic microfinance, in this case Baitul Maal Tamwil, (BMT) as role of model in integrating commercial and social seeking which can be used as one of an alternative platform to enhance financial inclusion.
In quantitative data, the paper employs primary data collected by self-administered questionnaires involving a sample of 243 respondents. To explore the micro-entrepreneurs’ criteria of barrier access to finance, an exploratory factor analysis is employed. In qualitative data, a semi-structure interview used to generate information from the respondents. The interview covers the second objectives and involves seven experts in microfinance including practitioner and academicians.
The study reveals that, the religious factor is perceived as the most important factor to be considered as financing barriers factors, then followed by affordability, accessibility, eligibility, and availability factors. The study indicates that Islamic microfinance may be an alternative platform to integrate commercial and social objective in order to enhance financial inclusion.]]>
<![CDATA[Influence Tax Amnesty Payment of Tax Compliance SMEs Batik Moslem In District Pekalongan ]]>
<![CDATA[Arisnawati, Nurfani]]>;
<![CDATA[Khayati, Sri]]>;
<![CDATA[Zulfa, Novia]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan ]]>
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DOI: 10.28918/ijibec.v1i2.1005
<![CDATA[This study aims to examine the effect of tax amnesty on taxpayer compliance level in paying taxes. The essence of the tax amnesty is tax forgiveness. This policy is expected to increase the willingness to pay taxes from taxpayers. This study uses primary data obtained with questionnaires for taxpayers at SMEs Batik Moslem in Dostrict Pekalongan by using random sampling systematically. This research analyzed data by using simple linear regression. The result of this research is tax amnesty have positive effect to the awareness of paying taxes, tax amnesty have positive effect to knowledge and understanding of taxpayer about taxation and tax amnesty not affect to perception about tax system effectiveness.]]>
<![CDATA[Altruism Models In Islamic Consumption System ]]>
<![CDATA[Muhammad Muflih]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.28918/ijibec.v1i2.995
<![CDATA[This study succeeded in proving that altruism is an inseparable element in the Islamic consumption system because it is able to lead a consumer to the best level of godliness. Just by assuming that , the formation of satisfaction in Islamic altruism cannot be determined by one stage. It is plotted into three stages, namely: (1) compassion utility originating from the spirit of social emotion, enabling it to create as an emblem of emotional satisfaction; (2) rationalizing social-spiritual gain originating from a motivation to reach a religiously promised reward for a sacrifice made by a consumer for the poor and needy, resulting in as an indicator of a consumer’s gains; and (3) God and human relationship originating from the spirit of a consumer to always be close to God absent of reward, symbolized by . What is unique is the three forms of altruism have a one direction altruism pattern unknown to among economists and altruists. This finding is especially contributes to the Islamic Philanthropic Institution in identifying a class of altruism in Muslims. Evidently, their altruism pattern is closely attached to their consumption system.]]>
<![CDATA[The Contribution of Nusantara Moslem Local Tradition on Micro Finance Risk Management in Indonesia: (Case Study in Bondowoso Rural’s Banking) ]]>
<![CDATA[Nur Hidayat]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.28918/ijibec.v1i2.996
<![CDATA[The aim of the study is to explore the local tradition in Bondowoso Pendhalungan society which bases consideration in the risk management of the micro finance sector in Bondowoso. The method of this study was qualitative research used grounded method. We collected data through participatory observation for 3 years from 2013 until early 2016, semi-structured interviews and literature studies. The results showed the gap that the banks early warning sign (EWS) only considered the financial aspects, the non-financial aspect and transaction aspect, not concerning the cultural aspects. Based on the results of the research, it was found that financial performance in the form of loans, deposits and credit quality (non-performing loans) were affected by the implementation of local cultural tradition. From the results of the study, researchers gave suggestions for banking in Bondowoso and in Indonesia to consider aspects of the local culture or local wisdom as the basis of consideration of banking operations strategies in each region in Indonesia.]]>
<![CDATA[Strong Correlations of Sharia Market To Conventional Market: Evidence From Indonesia Stock Exchange ]]>
<![CDATA[Yadi Nurhayadi]]>;
<![CDATA[Nuryadi Wijiharjono]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.28918/ijibec.v1i2.1003
<![CDATA[Significant differences between Islamic Economic System and Conventional Economic System should generate differences between sharia market and conventional market. Conventional market clearly is influenced by interest rate and speculation that is normal in Conventional Economic System. But, interest rate and speculation are prohibited in Islamic Economic System. Sharia market should be free of interest rate and speculation. In fact, by bivariate and multivariate analysis, financial market indicates that there are strong correlations between sharia market and conventional market. This fact is based on research on Indonesia Stock Exchange data from December 2006 to November 2016 (ten years). Sharia market is represented by Jakarta Islamic Index (JII) and Indonesia Sharia Stock Index (ISSI). Both of them have strong and positive correlation with Jakarta Stock Exchange (JSX) Composite Index or with Jakarta Stock Exchange Liquid (LQ45) Index. Jakarta Composite Index and LQ45 are classified as conventional market. These conditions indicate that sharia market goes together with conventional market in the same character. Is sharia market inconsistent with its sharia principles? Why sharia market is not running on the track?]]>
<![CDATA[Identifying Financial Exclusion and Islamic Microfinance as An Alternative to Enhance Financial Inclusion ]]>
<![CDATA[Hartomi Maulana]]>;
<![CDATA[Khoirul Umam]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) IJIBEC VOLUME 1 NO. 2 DECEMBER 2017 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan ]]>
Show Abstract
|
Download Original
|
Original Source
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Check in Google Scholar
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DOI: 10.28918/ijibec.v1i2.1004
<![CDATA[Even though the banking industry is growing exponentially, but they are still out of reach from the hardcore poor. The population under poverty remains financially excluded from the mainstream banking facilities. The aim of this paper is to examine the main factors that hinder customers to access financing from mainstream banking in Indonesia province of East Java using Exploratory Factor Analysis (EFA). The study also attempts to identify the possibility of Islamic microfinance, in this case Baitul Maal Tamwil, (BMT) as role of model in integrating commercial and social seeking which can be used as one of an alternative platform to enhance financial inclusion. In quantitative data, the paper employs primary data collected by self-administered questionnaires involving a sample of 243 respondents. To explore the micro-entrepreneurs’ criteria of barrier access to finance, an exploratory factor analysis is employed. In qualitative data, a semi-structure interview used to generate information from the respondents. The interview covers the second objectives and involves seven experts in microfinance including practitioner and academicians. The study reveals that, the religious factor is perceived as the most important factor to be considered as financing barriers factors, then followed by affordability, accessibility, eligibility, and availability factors. The study indicates that Islamic microfinance may be an alternative platform to integrate commercial and social objective in order to enhance financial inclusion.]]>
