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Journal of Islamic Economics, Management, and Business (JIEMB)
Published by Universitas Islam Negeri Walisongo Semarang
ISSN : 27210197     EISSN : 27210324     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Islamic Economics, Management, and Business is a scientific journal in the field of Islamic economics studies published twice a year by the program of Magister of Syariah Economics, Faculty of Islamic Economics and Business UIN Walisongo Semarang. The editors receive articles in the form of research based manuscript related to Islamic Economics, business, and management themes which cover Islamic Economics, Islamic Business, Islamic Financial Management, Islamic Marketing Management, Islamic Human Resource Management, Islamic Operational Management, and Islamic Philanthropy.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 43 Documents
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The determinants of Islamic social reporting disclosure and its impact on the profitability of sharia banks Sultan Mubarok Mubarok
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 1, No 1 (2019)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2019.1.1.3742

Abstract

Purpose - This study aims to determine of disclosure level of Islamic Social Reporting (ISR) and its impact on profitability at Sharia Commercial Bank in Indonesia.Method - This study uses Good Corporate Governance (GCG), which is proxied with self-assessment, number of commissioners, and number of Sharia Supervisory Board (DPS), financial is proxied with company size, company age, DER, Social Cost, BOPO, FDR, and NPF. Profitability is proxied with ROA and ROE. The sampling technique used a purposive sampling method. There are 12 Sharia Banks that meet the criteria of the study sample period 2013-2017.The result - The results showed that: first, GCG hurt ISR. Second, financial factors have a positive effect on ISR. Third, GCG negative affects profitability; the greater the number of commissioners and DPS will have an impact on the material costs of the Bank. Fourth, financial factors have a positive effect on profitability. Fifth, ISR hurts profitability. Sixth, ISR mediates the relationship between GCG and financial factors with profitability.Implication  - This study helps sharia banks to maintain Islamic Social Reporting as a tool to get stakeholders’ trustOriginality -  This study uses a corporate social responsibility report, which also presents the aspect of religiosity.
Islamic economic thoughts according to Ibn Khaldun, Al-Maqrizi, and Al-Syatibi Tri Agung Saputra
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 3, No 1 (2021)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2021.3.1.7252

Abstract

Purpose – This article explores Islamic economic thought according to Ibn Khaldun, Al-Maqrizi, and Al-Syatibi. One of Ibn Khaldun's thoughts that is very prominent and very important to discuss is economics.Method – The research used qualitative methods by analyzing the direction of thought and the construction of the Islamic economic system from Ibn Khaldun, Al-Maqrizi, and AL-Syatibi using the maqashid sharia concept.Result – The importance of discussing Ibn Khaldun's thoughts on economics is because his thoughts have great significance for developing Islamic economics in the future.Implication – The concept of maqashid sharia put forward by Asy-Syatibi should be a reference in every analysis process related to economic behavior. The system and science currently being formulated can be a solution to the increasingly acute economic complex.Originality – This study compares the Islamic economic thoughts of three prominent figures, i.e., Ibn Khaldun, Al-Maqrizi, and Al-Syatibi.
Factors affecting public housing credit choice of sharia property developer in Central Java Nurzahroh Lailyah
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 2, No 2 (2020)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2020.2.2.6758

Abstract

Purpose – This study analyses the various factors that affect the probability of consumers choosing public housing credit (PHC) of Sharia Property Developer (SPD) in Central Java.Method – The data of this study are primary data obtained through questionnaires to 252 people from a population of 1,269 PHC SPD consumers in Central Java (Boyolali Regency, Magelang Regency, Pati Regency, Semarang City, and Wonosobo Regency). Furthermore, consumer data were analysed using a binary logit regression model with SPSS software.Result – The results of this study state that the variable price and religiosity have a significant negative effect on the probability of choosing a PHC in Islamic Property Developer. In comparison, the variables of income, location, and facilities do not significantly affect the likelihood of selecting a PHC on a Sharia Property Developer. Wonosobo Regency is the region with the most significant probability of choosing a PHC on a Sharia Property Developer compared to Boyolali, Pati, Magelang, and Semarang City Regencies. Meanwhile, Pati Regency is the region with the least probability of choosing a PHC as a Sharia Property Developer. Implication – The Central Java SPD can use the finding of this research to consider the evaluation and improvement of PHC products in the future. So that consumers do not turn to competitors, have more confidence, and are satisfied with Sharia Property Developer services.Originality – The originality of this research lies in the object under study, test analysis, and research location.  
The comparison of Islamic banks performance in Indonesia before and after the Action to Defend Islam event Luksi Visita
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 2, No 1 (2020)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2020.2.1.6792

Abstract

Purpose – This study aims to compare the performance of Islamic banking before and after the Islamic defense action. The action to defend Islam is a manifestation of populism, which resulted in mixed responses.Method – Financial performance consisting of return on assets (ROA), financing to deposit ratio (FDR), third party funds (DPK), non performing financing (NPF) and profit sharing financing on total financing were analyzed from 30 Islamic commercial banks and Sharia business units in Indonesia. The data were analyzed using different test paired sample T-test.Result – The results show that only TPF and FDR have significant differences. The DPK value increases, while the FDR decreases.Implication – This study can support industry to consider aspects needed to be taken care of during political events.Originality – This study enriches the empirical study of political and business interaction.
The effect of Sharia bank knowledge, promotion, and facilities on savings decisions at Sharia banks with savings interest as mediation variables Oriesta Dhea Budi Utamy; Ratieh Widhiastuti
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 1, No 1 (2019)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2019.1.1.3986

Abstract

Purpose - The purpose of this study is to explain the effect of Sharia bank knowledge, promotion, and facility on saving decisions in Shariah bank both directly and through saving interest.Method - The population in this study is the students of Sharia banking department at Islamic Business and Economics Faculty of IAIN Purwokerto Batch 2016/2017 of 106 students. All populations in this study were used as the sample. The technique of data collection in this study used questionnaires. Techniques of data analysis used descriptive statistic analysis and path analysis. Result - The results showed that Sharia bank knowledge, promotion, and facility give a positive and significant effect on saving decisions in Sharia Bank. Saving interest can mediate Sharia bank knowledge, promotion, and facility on saving decisions in Sharia Bank.Implication - Suggestion from this study are expected that Sharia Bank can fix the facility and improve promotions so that the customer candidate can know what kind of product offered so that saving interest and saving decision in Sharia Bank can be improved.Originality - This study adds Islamic bank knowledge and saving interest variable as the intervening variable.
The legal status of online loan service in Indonesia according to the Islamic jurisprudence of Shafi’i school Singgih Muheramtohadi
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 3, No 1 (2021)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2021.3.1.10266

Abstract

Purpose – Start-up business has developed significantly in the last decade. The development follows the digital technology ownership. Online loan service (pinjaman online; pinjol) is one of the start-up products based on the online credit. But it has problems relating to human rights violations and Islamic Jurisprudence. This study aims to investigate the possibility of violence of online loan service (pinjol) and the view of Islamic jurisprudence of Shafi’i school on online loan service.Method – This paper uses description and analysis methods.Result – The result of this study is that one of the problem sources is the high amount of bank interest in online loan. Moreover, the debt terms are so easy, and the disbursement process is so fast, so that it causes bad credit among debtors. According to Shafi’i scholars, the high bank interest is part of the mudha’afah usury, although both parties have agreed the contract. However, the sanctions for bad debtors are not accordance with Islamic sharia that prioritize the debt (qardh) to help other people. In addition, this credit business causes so many harms (mudharat). Implication – This study will help government, business player, and consumers to understand online loan service according to Islamic jurisprudence.Originality – This study is among few other studies who investigate the current trend of online loan service in Indonesia.  
Waqf empowerment for the autonomy of Islamic boarding school (pesantren); study of modern Islamic boarding school (pondok) Tazakka Batang Subhi Mahmassani
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 2, No 2 (2020)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2020.2.2.6845

Abstract

Purpose – This study aims to study waqf instrument developed by modern Islamic boarding school (pondok) Tazakka, Batang.Method – This study is a qualitative field research, which utilizes observation, interview, and documentation. The character of this research is descriptive analysis.Result – Modern pondok of Tazakka uses at least six different waqf program as a financial source of their activities. These programmes are asset waqf, cash waqf, productive waqf, benefits waqf, profession waqf, and transfer of rights waqf. The programmes help the pondok to be more autonomous and able to provide various benefits for the scholars of the pondok and the people surround it. Implication – This research gives illustration of waqf management in an Islamic boarding school. By understanding the mechanism of the waqf management, hopefully Islamic boarding schools in Indonesia able to empower themselves better.Originality – A lot of Islamic boarding schools use waqf for his research is among the few researchs which taking a perspective of empowering religious social organization in Indonesia.   
Application of musyarakah in Islamic banking Sarpini Sarpini
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 1, No 1 (2019)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2019.1.1.3710

Abstract

Purpose - The purpose of this study is to explain syirkah, one of the popular profit-sharing scheme.Method - This research is a descriptive analysis that describes all data and then analyzes the data to obtain a conclusion.Result - This study concludes that the legal basis of syirkah is Al-Qur'an, Sunnah, ijma 'and its application in Islamic banking, namely project financing and venture capital.Implication – Understanding one of the implementation of the profit-sharing system mostly keeps the principle of justice running in the economy.Originality - This study is essential to continue to be studied and explored considering there are still many issues of Islamic law (muamalah) that need to be resolved in sharia law.
The behavior of muzakki in paying zakat; phenomenological study of muzakki's experience in Semarang City Siti Rohmawati; Musahadi Musahadi; Ali Murtadho
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 2, No 2 (2020)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2020.2.2.7605

Abstract

Purpose – This study aims to determine muzakki's behavior which is reviewed based on the theory of planned behavior, including attitudes towards behavior, subjective norms, and perceived behavioral control.Method – This research used a qualitative research method, while the analytical approach used phenomenological analysis. This study utilized observation and interviews for collecting data. Informants were given a great space to tell their own experiences freely. The number of samples in the study was six informants, i.e., two people who work as civil servants, two people as entrepreneurs, and two people as farmers.Result – Based on the phenomenon and its meaning regarding the behavior of muzakki in paying zakat, it can be concluded that 1) The attitude of the informants tends to comply with the obligation to issue zakat as a form of religious, social, economic, and psychological obedience 2) Informants have subjective beliefs regarding the behavior of paying zakat which is formed from normative beliefs, namely references that come from external and internal parties. 3) Perceptions of behavioral control of the informants. Implication – This study can assist people and organizations in understanding the behavioral aspect of muzakki.Originality – The originality of this research lies in the object under study, test analysis, and research location.  
Prediction of financial condition of Indonesian banks using Altman Z-Score model St Ibrah Mustafa Kamal; Luksi Visita
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 2, No 1 (2020)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2020.2.1.7606

Abstract

Purpose – Banking is one of the hearts of the economy in Indonesia. This study aims to determine the financial condition of banking in Indonesia.Method – The data in this study uses financial reports of bank. The technique of data analysis uses the Altman Z-Score model. By using five variables that represent the liquidity ratio X1, X2 and X3 profitability, X4 and X5 activities. With the criteria of assessment Z-Score 2.99, it is categorized as a very healthy company. 1.81 Z-Score 2.99 is in the gray area so that the probability of being saved and the possibility of bankruptcy is the same depending on the policy decision of the company management as the decision maker. Z-Score 1.81 is categorized as a company which has an enormous financial problem at high risk, so that the possibility of bankruptcy is very largeResult – As the result, it can be seen that Indonesian banks from 2008-2010 were at risk of going through financial difficulties and then survived and in the following years became more stable, while some banks were in unstable but survived and fixed their financial issues.Implication – This research can help Indonesian banks to evaluate their financial performanceOriginality – The originality of this research lies in the object under study, test analysis, and research location.

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