JIEF Journal of Islamic Economics and Finance
type: channel
description: Journal title Journal of Islamic Economics and Finance Initials JIEF Frequency Two issues per year DOI Prefix 10.28918 by Online ISSN 2797-6432 Print ISSN 2797-4014 Editor-in-chief Muh Khafidz Ma'shum Publisher UIN K.H. Abdurrahman Wahid Pekalongan Journal of Islamic Economics and Finance (JIEF) is an journal providing authoritative sources of scientific information for researchers and scholars in academia, research institutions, government agencies, and industries. JIEF publish original research papers, review article and case studies focused on Islamic Economics and Finance as well as related topics. All papers are peer-reviewed by at least two reviewers. JIEF is published and printed by UIN K.H Abdurrahman Wahid Pekalongan
publisher: Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
language: en
publication name: JIEF Journal of Islamic Economics and Finance
issn: 2797-4014
items: Comparative Analysis of Islamic and Conventional Banking In Promoting Economic Stability
items: Determinan Firm Value melalui Profitabilitas: Green Banking, Corporate Social Responsibility, Good Corporate Governance
items: Moderasi Literasi Keuangan Pada Pengaruh Kesadaran dan Kepedulian Lingkungan Terhadap Minat Green Investment Syariah Gen Z
items: Pengaruh Green Banking, Rasio Kecukupan Modal, dan Efisiensi Operasional terhadap Profitabilitas Bank Umum Syariah di Indonesia
items: Identifikasi dan Analisis Sektor Unggulan Dalam Pembangunan Daerah di Kabupaten Pati
items: Integration of Maqashid Sharia Values ​​in Sharia Business Management for Business Resilience and Sustainability
items: Digital Transformation of Retirement Savings Services: Enhancing Efficiency and Sharia Economic Benefits at Taspen Cirebon
items: Analisis Internal Marketing Dalam Membangun Citra Perusahaan Lewat Optimalisasi Peran Receptionist Di Cordova Edupartment Semarang
items: Mendeteksi Fraudulent Financial Reporting Menggunakan Fraud Hexagon Model: Studi Pada Perusahaan Sektor Healthcare Yang Terdaftar Di Indeks Saham Syariah Indonesia
items: Peran ZIS sebagai Manifestasi Maqashid al-Shariah dalam Memperkuat Hubungan antara Pembangunan Manusia, Upah, dan Ketenagakerjaan terhadap Kemiskinan
items: The Implications of Islamic Public Finance in Indonesia: Integrating Zakat and Taxes for Public Welfare
items: Minat Pembelian Sayuran Organik di Retail Jakarta Timur dengan Theory Of Reasoned Action
items: Faktor Penentu Return on Asset pada Bank Umum Syariah: Capital Adequacy Ratio, Operating Expenses Operating Income dan Identitas Etika Islam
items: Pengaruh Store Atmosphere dan Kualitas Pelayanan terhadap Loyalitas dengan Kepuasan Sebagai Variabel Intervening
items: Peran Green Finance, Nilai Perusahaan, dan Kinerja Lingkungan terhadap Keberhasilan Finansial Perusahaan Indonesia
items: Distribusi Kekayaan Dalam Pemikiran Muhammad Baqir Al-Sadr: Solusi Untuk Keadilan Sosial di Era Kontemporer
items: Pengaruh Sikap dan Pengetahuan Keuangan Di Kota Langsa : Dampak Manajemen Keuangan Pribadi dan Gender Sebagai Variabel Moderating
items: Pengaruh Tenaga Kerja dan Investasi terhadap Pertumbuhan Ekonomi dengan Peran Moderasi Zakat di Indonesia
items: Efektivitas Pengelolaan Risiko Memoderasi Pengaruh Adopsi Digital Banking Terhadap Kinerja Keuangan Bank Umum Syariah
items: Pengaruh Financial Performance Terhadap Financial Distress Pada Perusahaan Subsektor Customer Non Cyclical
items: Leverage, Kepemilikan Publik dan Opini Audit Report Lag
items: The Influence of Shopping Lifestyle and Discounts on Impulsive Buying of Fashion Products (A Study among Generation Z Shopee Users in Pekalongan)
items: Analisis Pengaruh Rasio Keuangan Terhadap Nilai Profit Sharing Deposito Mudharabah Perbankan Syariah di Indonesia dan Malaysia
items: Determinan Keputusan Menggunakan Jasa Perbankan Syariah
items: Optimizing the Potential of Zakat Management in Indonesia Through Technology Integration
items: Pengaruh Pasar Modal Syariah dan Makroekonomi terhadap Pertumbuhan Ekonomi Indonesia Menggunakan Vector Error Correction Model
items: Efektifkah Fintech Terhadap Perkembangan Pasar Modal Syariah?
items: The Existence of Cash Waqf in Indonesia as a Bride to Prosperity
items: Strategi Sukses E-Commerce: Analisis Pengaruh Pendapatan, Kualitas Pelayanan, dan Kepercayaan Terhadap Minat Beli Masyarakat Melalui Aplikasi Atamtech di Aceh Tamiang
items: Faktor Psikologis, Gaya Hidup, dan Kelompok Referensi pada Generasi Z terhadap Minat Menabung di Bank Syariah Indonesia

Comparative Analysis of Islamic and Conventional Banking In Promoting Economic Stability
type: item
description: This study aims to comparatively analyze Islamic and conventional banking systems in promoting economic stability by examining their operational principles, risk management practices, and financial performance. Using a comparative empirical approach with data from selected banks across various jurisdictions, the research evaluates financial stability indicators such as capital adequacy ratios, non-performing loans (NPLs), and crisis-period performance. The findings reveal that Islamic banking demonstrates stronger resilience during economic downturns due to its risk-sharing mechanisms and the prohibition of speculative transactions and interest-based activities, while conventional banking maintains advantages in market reach and liquidity structures. The study also identifies challenges faced by Islamic banks, including regulatory constraints and limited market penetration. The novelty of this research lies in its integrated comparative assessment of both banking systems within the context of macroeconomic resilience, highlighting how Islamic finance principles can contribute to a more sustainable and shock-resistant financial ecosystem.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Islamic Banking
  topic: keywords
subject: Conventional Banking
  topic: keywords
subject: Economic Stabillity
  topic: keywords
subject: Risk Mangement
  topic: keywords
subject: Financial Resillience
  topic: keywords
creator: Jamiu Adeniyi Yusuf
creator: Ibrahim Ayodele Yusuf
creator: Azeem Tunde Muhammed
creator: Ayuba Aderole Ismail
rights: Copyright (c) 2026 JIEF Journal of Islamic Economics and Finance
date: 2026-05-01
publication date: 2026-05-01
doi: 10.28918/nnvbkj69

Determinan Firm Value melalui Profitabilitas: Green Banking, Corporate Social Responsibility, Good Corporate Governance
type: item
description: This study aims to analyze the effect of green banking, corporate social responsibility (CSR), the board of directors, independent commissioners, the Sharia supervisory board, and the audit committee on firm value, with profitability as a mediating variable, in Islamic Commercial Banks in Indonesia. This research uses secondary data obtained from 12 Islamic Commercial Banks in Indonesia during the observation period. The analytical method employed in this study is Partial Least Squares–Structural Equation Modeling (PLS-SEM) using SmartPLS version 3 software. The results indicate that green banking, profitability, and the audit committee have a positive and significant effect on firm value. Meanwhile, corporate social responsibility, the board of directors, independent commissioners, and the Sharia supervisory board do not have a significant effect on firm value. Furthermore, the mediation analysis shows that profitability is not able to mediate the effect of green banking, corporate social responsibility, independent commissioners, and the audit committee on firm value. However, profitability is able to mediate the effect of the board of directors and the Sharia supervisory board on firm value.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: green bank
  topic: keywords
subject: corporate social
  topic: keywords
subject: good corporate governa
  topic: keywords
subject: firm value
  topic: keywords
subject: profitabilitas
  topic: keywords
creator: Rendy Firmansah
creator: Irsad Andriyanto
rights: Copyright (c) 2026 JIEF Journal of Islamic Economics and Finance
date: 2026-05-01
publication date: 2026-05-01
starting page: 55
ending page: 70
doi: 10.28918/pc1nqh33

Moderasi Literasi Keuangan Pada Pengaruh Kesadaran dan Kepedulian Lingkungan Terhadap Minat Green Investment Syariah Gen Z
type: item
description: This study aims to analyze the effect of environmental awareness and environmental concern on Islamic green investment interest, as well as examine the moderating role of financial literacy. This study employs a quantitative approach with causal associative research. Primary data were collected through questionnaires distributed to Generation Z in Kudus Regency who have investment experience. The sampling technique used non-probability sampling with purposive sampling, involving 160 respondents. Data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results show that environmental awareness and environmental concern have a positive and significant effect on Islamic green investment interest, while financial literacy has no direct significant effect. In the moderation model, financial literacy does not moderate the relationship between environmental awareness and investment interest, but strengthens the effect of environmental concern. These findings indicate that environmental factors play a more dominant role in shaping green investment interest, while financial literacy acts as a supporting factor, highlighting the need to integrate green investment education with more practical financial literacy.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: environmental awareness
  topic: keywords
subject: financial literacy generation Z
  topic: keywords
subject: sharia green investment intention
  topic: keywords
subject: environmental concern
  topic: keywords
creator: Cahaya Maulida Dewi
creator: Kharis Fadlullah Hana
rights: Copyright (c) 2026 JIEF Journal of Islamic Economics and Finance
date: 2026-05-01
publication date: 2026-05-01
starting page: 71
ending page: 86
doi: 10.28918/rvsvg337

Pengaruh Green Banking, Rasio Kecukupan Modal, dan Efisiensi Operasional terhadap Profitabilitas Bank Umum Syariah di Indonesia
type: item
description: This study aims to analyze the effect of Green Banking, capital adequacy ratio (CAR), and operational efficiency (BOPO) on the profitability (ROA) of Sharia Commercial Banks registered with the Financial Services Authority (OJK) during the 2021–2024 period. The research employs a quantitative approach using secondary data obtained from financial statements and annual reports, with a purposive sampling technique resulting in 14 companies and 40 observations. The data were analyzed using panel data regression with the Random Effect Model (REM). The results indicate that Green Banking does not have a significant effect on profitability (ROA), while CAR has a positive and significant effect, and BOPO has a negative and significant effect on profitability. Simultaneously, all three variables have a significant influence on profitability. The novelty of this study lies in the integration of sustainability aspects, represented by Green Banking measured through the Green Coin Rating (GCR), with internal financial performance indicators (CAR and BOPO) within a panel data framework, providing a more comprehensive empirical perspective on the determinants of profitability in Sharia banking in Indonesia, particularly during the post-implementation period of sustainable finance regulations.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Green Banking, CAR, BOPO, Profitability, Sharia Commercial Banks.
  topic: keywords
creator: Lyana Zahro
creator: Happy Sista Devy
rights: Copyright (c) 2026 JIEF Journal of Islamic Economics and Finance
date: 2026-05-01
publication date: 2026-05-01
starting page: 29
ending page: 42
doi: 10.28918/4cc6dp14

Identifikasi dan Analisis Sektor Unggulan Dalam Pembangunan Daerah di Kabupaten Pati
type: item
description: This study examines the base and leading sectors driving regional economic development in Pati Regency, Central Java, an area transitioning from an agrarian-based economy toward industrial and service sectors. Using a descriptive quantitative approach, the study analyzes Gross Regional Domestic Product (GRDP) data at constant 2010 prices from 2018–2023, applying Location Quotient (LQ), Shift Share (SS), and Klassen Typology with Central Java Province as the reference region. The results show that the Agriculture, Forestry, and Fisheries sector remains the primary base sector, indicating strong regional specialization. However, the Manufacturing Industry and Wholesale and Retail Trade sectors demonstrate greater competitiveness and growth potential compared to the provincial level. Klassen Typology further classifies several sectors as advanced and rapidly growing, including agriculture, mining and quarrying, electricity and gas supply, transportation and warehousing, accommodation and food services, education, health, and other services. These findings indicate a gradual structural transformation from primary-sector dominance toward a more diversified economy driven by secondary and tertiary sectors. Accordingly, regional development policies should focus on strengthening leading sectors through infrastructure improvement, MSME support, and innovation based on local potential to foster sustainable and inclusive economic growth.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Leading Sector
  topic: keywords
subject: Regional Economic Development
  topic: keywords
subject: Shift Share
  topic: keywords
subject: Location Quotient
  topic: keywords
subject: Klassen Typology
  topic: keywords
creator: Mukti Wibowo
creator: Syamsuddin
rights: Copyright (c) 2026 JIEF Journal of Islamic Economics and Finance
date: 2026-05-01
publication date: 2026-05-01
starting page: 13
ending page: 28
doi: 10.28918/3j01cb94

Integration of Maqashid Sharia Values ​​in Sharia Business Management for Business Resilience and Sustainability
type: item
description: This study aims to analyze the integration of maqāshid al-sharī‘ah values in Islamic business management as a strategy for achieving business resilience and sustainability. This study relies exclusively on secondary data derived from authoritative academic sources, including classical Islamic literature on maqāshid al-sharīʿah and peer-reviewed scholarly works on Islamic governance, value-based management, and business sustainability indexed in reputable databases such as Scopus and SINTA Literature selection was guided by thematic relevance, theoretical contribution, and methodological rigor to ensure conceptual validity. The results indicate that the application of maqāshid in managerial functions strengthens ethical governance, increases public trust, and creates business resilience and sustainability morally, socially, and economically. This study confirms that maqāshid values can serve as a strategic paradigm for Islamic business management and recommends further empirical testing to assess the model's effectiveness across various industrial sectors
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Maqasyid Sharia
  topic: keywords
subject: Islamic Business Management
  topic: keywords
subject: Values-Based Governance
  topic: keywords
subject: Business Resilience
  topic: keywords
subject: Sustainability
  topic: keywords
creator: Anis Wahdati
creator: Agus Arwani
creator: Aldi Khusmufa Nur Iman
rights: Copyright (c) 2026 JIEF Journal of Islamic Economics and Finance
date: 2026-05-01
publication date: 2026-05-01
starting page: 1
ending page: 12
doi: 10.28918/mqnwqa81

Digital Transformation of Retirement Savings Services: Enhancing Efficiency and Sharia Economic Benefits at Taspen Cirebon
type: item
description: Digital transformation has become a vital strategy for modernizing public services in Indonesia. This study examines the digitization of Old Age Savings services through the Taspen Online Service (TOS) at PT Taspen (Persero) Cirebon Branch and evaluates its impact on service efficiency, public welfare, and digital trust within the framework of Sharia economics. Employing a descriptive qualitative approach, data were gathered via observation, in-depth interviews, and service documentation. Findings reveal that TOS implementation reduced service processing time from an average of 3–5 days to just 1 working day, enhanced employee productivity, and broadened service accessibility. Additionally, the digitization process improved public welfare by facilitating easier access and promoting transparency. The study underscores the importance of digital security and trust in safeguarding participant data and building public confidence in online services. These results affirm the applicability of the Technology Acceptance Model, Digital Transformation principles, and Good Governance theory in advancing digital public service delivery within the Sharia economic context
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Digital transformation
  topic: keywords
subject: Taspen Online Service
  topic: keywords
subject: public service efficiency
  topic: keywords
subject: good governance
  topic: keywords
creator: Nabiela Rizki Alifa
creator: Risma Aulia Irawan
creator: Akbar Riskal Amani
rights: Copyright (c) 2026 JIEF Journal of Islamic Economics and Finance
date: 2026-05-01
publication date: 2026-05-01
starting page: 43
ending page: 54
doi: 10.28918/qmrdxc29

Analisis Internal Marketing Dalam Membangun Citra Perusahaan Lewat Optimalisasi Peran Receptionist Di Cordova Edupartment Semarang
type: item
description: The purpose of this study is to examine how the implementation of internal marketing helps improve company image by optimising the role of receptionists at Cordova Edupartment Semarang. Human resource management strategies known through internal marketing emphasise the importance of preparing employees as internal customers so that they can provide the best service to external customers. Receptionists, who serve as the front line of the company, play an important role in determining how customers first perceive the company. This study employs a qualitative methodology using observation, interviews, documentation, and hands-on practice to collect data. The results indicate that the implementation of internal marketing elements, such as training and development, supportive leadership, internal communication, and recruitment and compensation systems, can enhance the quality of receptionist services. Excellent service directly impacts customers' perceptions of the company. Therefore, through the important role of receptionists, internal marketing is an effective method for building and maintaining a company's reputation
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: internal marketing
  topic: keywords
subject: receptionist
  topic: keywords
subject: company image
  topic: keywords
subject: human resources
  topic: keywords
subject: customer
  topic: keywords
creator: Hamidah Tussifah
creator: Farah Diba Aya Rosady
creator: Silmina Nur Aziizah
creator: Nawa Marjany
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-11-10
publication date: 2025-11-10
starting page: 117
ending page: 131
doi: 10.28918/jief.v5i2.12491

Mendeteksi Fraudulent Financial Reporting Menggunakan Fraud Hexagon Model: Studi Pada Perusahaan Sektor Healthcare Yang Terdaftar Di Indeks Saham Syariah Indonesia
type: item
description: This study examines fraudulent financial reporting in healthcare companies listed on the Indonesia Sharia Stock Index (ISSI) using Vousinas’ Fraud Hexagon Theory, which includes six factors: stimulus, opportunity, rationalization, capability, ego, and collusion. Using a quantitative approach with purposive sampling, 13 healthcare companies during 2019–2023 were analyzed through multiple linear regression with SPSS. The results reveal that CEO’s Picture (ego) and State-Owned Enterprise (collusion) significantly influence financial statement fraud, while other variables show no significant effect. Collectively, all independent variables affect fraudulent reporting. These findings enrich empirical evidence of the Fraud Hexagon Theory in sharia-based healthcare firms and offer practical insights to strengthen governance and fraud prevention in Islamic financial reporting.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: frud hexagon
  topic: keywords
subject: financial statement fraud
  topic: keywords
subject: healtcar
  topic: keywords
creator: Asti Nur Wilda Ariza
creator: Versiandika Yudha Pratama
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-11-02
publication date: 2025-11-02
starting page: 99
ending page: 116
doi: 10.28918/jief.v5i2.12343

Peran ZIS sebagai Manifestasi Maqashid al-Shariah dalam Memperkuat Hubungan antara Pembangunan Manusia, Upah, dan Ketenagakerjaan terhadap Kemiskinan
type: item
description: This study aims to analyze the effect of Human Development Index (HDI), Minimum Wage, and Labor Force Participation Rate on Poverty with ZIS as a Moderating Variable in East Java from 2018 to 2023. The background of this study is based on the high number of poor people in East Java in 2023, the uneven poverty reduction targets in East Java from 2018 to 2023, and the differences in the results of previous studies. The method used was a quantitative panel data approach. The sampling technique used purposive sampling, which obtained 30 districts and cities in East Java as samples. The data analysis technique used Moderated Regression Analysis (MRA). The results showed that HDI and labor force participation rate had a negative and significant effect on poverty, while minimum wage had a positive and insignificant effect on poverty. In addition, the distribution of ZIS funds was found to moderate the effect of the minimum wage and HDI on poverty, but it was not able to moderate the effect of labor force participation rate on poverty. These findings confirm that strengthening the distribution of ZIS can be a concrete implementation of maqashid syariah in realizing social welfare and poverty reduction.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Human Development Index
  topic: keywords
subject: Minimum Wage
  topic: keywords
subject: Labor Force Participation Rate
  topic: keywords
subject: Proverty
  topic: keywords
subject: ZIS
  topic: keywords
creator: Aris Yuliana Aris Yuliana
creator: Mohammad Sholeh
creator: Syifa Rohmah
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-11-17
publication date: 2025-11-17
doi: 10.28918/jief.v5i2.12133

The Implications of Islamic Public Finance in Indonesia: Integrating Zakat and Taxes for Public Welfare
type: item
description: Public finance from an Islamic perspective is based on the purpose of Muslim life and the urgency of the role of the state in Islamic society. Indonesia as a country with a majority Muslim population has a role to manage public finance fairly and equitably. The source of state revenue is obtained from taxes, but in terms of Islamic public finance, people also should pay zakat. This study discusses the implementation of zakat and taxes as public finance in Indonesia, using descriptive qualitative methods with literature study analysis. In practice, zakat and tax have a relationship for public welfare but differ in terms of distribution. The distribution of zakat funds for the benefit of Muslims is a sign of gratitude to Allah. While the use of taxes to finance the general expenses of the state.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Public Finance
  topic: keywords
subject: Tax
  topic: keywords
subject: Zakat
  topic: keywords
creator: Anggita Nurcahyani
creator: Asmi Lidya Pradipta Rahayu
creator: Muadz
creator: Mawaddatul Ulya
creator: Yusnina Hilyawati
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-05-01
publication date: 2025-05-01
starting page: 66
ending page: 72
doi: 10.28918/jief.v5i1.10680

Minat Pembelian Sayuran Organik di Retail Jakarta Timur dengan Theory Of Reasoned Action
type: item
description: Healthy lifestyle trends have recently become popular among the public. People are beginning to shift their consumption patterns from non-organic to organic vegetables. This study aims to examine the influence of knowledge, health consciousness, attitude, subjective norms, and perceived difficulties on the purchase intention of organic vegetables in retail stores in East Jakarta. The basic method used in this research is descriptive and analytical. The study was conducted in East Jakarta, which has several retail stores selling organic vegetables. A total of 120 respondents participated. Instrument testing and data analysis were conducted using SmartPLS 3 software with the Structural Equation Modeling (SEM) method, specifically the Partial Least Squares (PLS) approach. The results showed that knowledge and health consciousness positively influence attitudes toward purchasing organic vegetables in East Jakarta retail stores. Attitude and subjective norms partially have a positive effect on purchase intention, while perceived difficulty partially has a negative effect. From a sharia economic perspective, consuming organic vegetables is considered more aligned with the principles of sustainability and cleanliness, which are consistent with Islamic values such as prudence (al-ḥadhar) and public welfare (maslahah). In sharia economics, the consumption of halal and thayyib (wholesome) products is a fundamental principle, and organic products better fulfill these criteria compared to conventional products that often contain harmful substances. Therefore, the intention to purchase organic vegetables in retail stores can also be seen as a form of consumer awareness in choosing products that are not only healthy but also ethically aligned with sharia economic principles.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Purchase Intention
  topic: keywords
subject: Organic Vegetables
  topic: keywords
subject: SEM
  topic: keywords
subject: TRA
  topic: keywords
subject: Modified TRA
  topic: keywords
creator: Rahmania Ratih Maharsi
creator: Tuty Maria Wardiny
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-05-01
publication date: 2025-05-01
starting page: 49
ending page: 58
doi: 10.28918/jief.v5i1.10675

Faktor Penentu Return on Asset pada Bank Umum Syariah: Capital Adequacy Ratio, Operating Expenses Operating Income dan Identitas Etika Islam
type: item
description: Banking financial institutions are aspects that play an important role in increasing the scale of the economy in Indonesia, one of which is Islamic banking financial institutions. This study aims to analyze the influence of the capital adequacy ratio, operating expenses, operating income, and Islamic ethical identity on financial performance.This study uses a descriptive research type with a quantitative approach. The population of this study is Islamic commercial banks listed on the Indonesian Stock Exchange in 2018-2022. The sample determination used the purposive sampling method and obtained 10 Islamic commercial banks. This study uses descriptive statistical analysis and multiple regression analysis.The results of this study indicate that (1) the Capital Adequacy Ratio does not affect financial performance as proxied by Return On Asset (ROA). ( 2 ) Operating Expenses Operating Income has a significant negative effect on financial performance as proxied by Return on Asset ( ROA ). ( 3 ) Islamic Ethical Identity has a significant negative effect on financial performance as proxied by Return on Asset ( ROA ). ( 4 ) Based on the results of the adjusted R square determination coefficient test of 0.709. This means that the influence of the independent variables, namely the capital adequacy ratio variable, operating expenses operating income, and Islamic ethical identity is 70.9%.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: CAR
  topic: keywords
subject: BOPO
  topic: keywords
subject: Islamic Ethical Identity
  topic: keywords
subject: Financial Performance
  topic: keywords
subject: ROA
  topic: keywords
creator: Elsa Nadiya Febriani
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-05-04
publication date: 2025-05-04
starting page: 22
ending page: 34
doi: 10.28918/jief.v5i1.10627

Pengaruh Store Atmosphere dan Kualitas Pelayanan terhadap Loyalitas dengan Kepuasan Sebagai Variabel Intervening
type: item
description: The increasing intensity of business competition requires companies to continually innovate and prioritize customer satisfaction to foster long-term loyalty. This study aims to analyze the effect of store atmosphere and service quality on customer loyalty, with customer satisfaction as an intervening variable. This research employs a quantitative approach using a survey method, with data collected from 96 respondents through accidental sampling. Path analysis was utilized for data analysis using SPSS 23. The findings reveal that store atmosphere has a direct influence on both customer satisfaction and loyalty. In contrast, service quality does not significantly affect customer satisfaction but does directly impact customer loyalty. Furthermore, customer satisfaction does not directly influence loyalty but mediates the relationship between store atmosphere and customer loyalty. These results highlight the strategic importance of creating a positive store atmosphere to enhance shopping experiences and build emotional connections with customers. While service quality remains crucial, its impact on loyalty appears to be more direct than mediated through satisfaction. The study recommends that retail businesses focus on improving store atmosphere as a core component of their marketing strategy.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: store atmosphere
  topic: keywords
subject: service quality
  topic: keywords
subject: customer satisfication
  topic: keywords
subject: cunsomer loyalty
  topic: keywords
creator: Tamamudin
creator: Sulaiman Helmi
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-05-01
publication date: 2025-05-01
starting page: 35
ending page: 48
doi: 10.28918/jief.v5i1.10662

Peran Green Finance, Nilai Perusahaan, dan Kinerja Lingkungan terhadap Keberhasilan Finansial Perusahaan Indonesia
type: item
description: This study aims to analyze the effect of green finance, firm value, and environmental performance on the financial performance of consumer staple goods sector companies in Indonesia. A quantitative approach is used with descriptive and verification research types, as well as purposive sampling techniques based on financial report data, annual, and sustainability for the 2020-2022 period. The results showed: (1) Green finance has a negative and insignificant effect on firm value; (2) Green finance has a positive but insignificant effect on financial performance; (3) Environmental performance has a positive and significant effect on financial performance; and (4) Financial performance has a positive and significant effect on firm value. The research model explains 94% of the variation in financial performance (Adjusted R² = 0.910). These findings confirm the importance of environmental commitment in improving firm performance and value, although green finance has not shown a significant impact in the short term.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: green finance
  topic: keywords
subject: company value
  topic: keywords
subject: environmental performance
  topic: keywords
subject: financial performance
  topic: keywords
creator: Putri Camelia
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-11-02
publication date: 2025-11-02
starting page: 88
ending page: 98
doi: 10.28918/jief.v5i1.8437

Distribusi Kekayaan Dalam Pemikiran Muhammad Baqir Al-Sadr: Solusi Untuk Keadilan Sosial di Era Kontemporer
type: item
description: One of the main problems facing many countries, including Indonesia, is the growing income gap. To address this imbalance, Muhammad Baqir al-Sadr's economic thought provides a relevant paradigm of wealth distribution. Al-Sadr, who based his arguments on Islamic principles, highlighted the role of zakat, waqf, and the prohibition of usury in establishing social justice. Examining al-Sadr's thoughts on wealth distribution and its application to the Indonesian economy in the contemporary era is the purpose of this article. Using the literature study research method, According to this study, Islamic economic thought developed by Muhammad Baqir al-Sadr provides an alternative to the traditional economic system, particularly through the idea of Iqtiṣādunā. This idea highlights the principle of balanced ownership between individuals and society, the role of the state in the economy, and the equitable distribution of wealth. Within an economic framework based on social justice and inclusive ownership, this concept can improve social welfare and reduce economic inequality in Indonesia if implemented properly.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: wealth distribution
  topic: keywords
subject: Muhammad Baqir al-Sadr
  topic: keywords
subject: Social Justice
  topic: keywords
subject: Islamic Economic
  topic: keywords
creator: Luthfy Arwiya
creator: Malahayatie
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-05-01
publication date: 2025-05-01
starting page: 11
ending page: 21
doi: 10.28918/jief.v5i1.9879

Pengaruh Sikap dan Pengetahuan Keuangan Di Kota Langsa : Dampak Manajemen Keuangan Pribadi dan Gender Sebagai Variabel Moderating
type: item
description: This study aims to analyze the effect of financial attitudes and knowledge on personal financial management among students in Langsa City, with gender as a moderating variable. Using a quantitative descriptive approach with a sample of 200 students selected through purposive sampling, the data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results show that attitudes and financial knowledge have a positive and significant effect on personal financial management, both partially and simultaneously. In addition, gender moderates the relationship between these two variables, indicating that psychological, cognitive, and demographic factors play an important role in shaping students' financial behavior. These findings contribute theoretically to the understanding of financial behavior and provide practical recommendations for educational institutions to develop gender-sensitive financial literacy programs.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: attitude
  topic: keywords
subject: financial knowledge
  topic: keywords
subject: personal financial
  topic: keywords
subject: personal financial management
  topic: keywords
creator: Zikriatul Ulya
creator: Aisyah Putri
creator: Syamsul Rizal
creator: Aya Zulfia4
creator: Muarif Setiawan
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-11-02
publication date: 2025-11-02
starting page: 73
ending page: 87
doi: 10.28918/jief.v5i2.10049

Pengaruh Tenaga Kerja dan Investasi terhadap Pertumbuhan Ekonomi dengan Peran Moderasi Zakat di Indonesia
type: item
description: This study aims to analyze the influence of the number of workers and investment on economic growth in Indonesia with zakat as a moderating variable during the 2020–2023 period. Using a quantitative approach, this research employs panel data obtained from BPS, BKPM, and BAZNAS, consisting of 128 observations across 32 provinces. The data were analyzed using Moderated Regression Analysis (MRA) with Eviews-10, preceded by descriptive analysis, stationarity tests, classical assumption tests, and model selection through Chow, Hausman, and LM tests. The results show that both the number of workers and investment have a significant positive effect on economic growth. Zakat is found to significantly moderate the relationship between the number of workers and economic growth, indicating that zakat distribution can enhance the contribution of labor to economic performance. However, zakat does not moderate the effect of investment on economic growth, suggesting that zakat funds are still dominantly allocated for consumptive rather than productive activities. In conclusion, strengthening zakat management, enhancing labor competence, and improving investment effectiveness are essential to support sustainable economic growth in Indonesia.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: number of workers
  topic: keywords
subject: investment
  topic: keywords
subject: zakat
  topic: keywords
subject: economic growth
  topic: keywords
creator: Mazroatul Hasanah
creator: Mohammad Sholeh
creator: Devy Arisandi
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-11-10
publication date: 2025-11-10
starting page: 132
ending page: 145
doi: 10.28918/jief.v5i2.10383

Efektivitas Pengelolaan Risiko Memoderasi Pengaruh Adopsi Digital Banking Terhadap Kinerja Keuangan Bank Umum Syariah
type: item
description: This study aims to analyze the effect of digital banking adoption on the financial performance of Islamic commercial banks in Indonesia and to examine the moderating role of risk management effectiveness. The research employs a quantitative approach using secondary data from the financial statements of 12 Islamic commercial banks during 2021–2023, resulting in 36 observations. Data were analyzed using panel data regression, and the Random Effect Model was selected as the most appropriate model based on the Chow, Hausman, and Lagrange Multiplier tests. The results show that digital banking adoption has a positive but insignificant effect on financial performance, indicating that the benefits of digitalization have not been fully realized during the observation period. Risk management effectiveness also shows a negative and insignificant direct effect on financial performance. However, the interaction between digital banking adoption and risk management effectiveness demonstrates a positive and significant influence, suggesting that well-managed risk practices strengthen the impact of digital banking on profitability. These findings emphasize that digitalization alone is insufficient to enhance financial performance without strong and effective risk management systems supporting its implementation.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Islamic Genderal Banks
  topic: keywords
subject: Digital Banking Adoption
  topic: keywords
subject: Risk Management
  topic: keywords
subject: risk management effectivenes
  topic: keywords
creator: Jeryan Haryogi
creator: Syaeful Bakhri
creator: Anton Sudrajat
creator: Abdul Ghofar Saifudin
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-11-17
publication date: 2025-11-17
starting page: 146
ending page: 159
doi: 10.28918/jief.v5i2.9276

Pengaruh Financial Performance Terhadap Financial Distress Pada Perusahaan Subsektor Customer Non Cyclical
type: item
description: Financial distress occurs when a company faces ongoing operational losses that lead to a shortage of capital. The conditions of financial distress can be identified and assessed through the analysis of financial statements. Various factors, including financial performance, can influence financial distress. This research seeks to investigate the impact of return on assets, cash ratio, and debt-to-equity ratio on financial distress. The research employs a quantitative method using secondary data, with purposive sampling to select eight non-cyclical consumer companies listed on the IDX from 2019 to 2023. The analysis is conducted using multiple regression analysis via SPSS version 25. The findings reveal that return on assets negatively impacts financial distress; higher profits tend to attract investor interest, thereby reducing the likelihood of financial difficulties. Conversely, the cash ratio does not significantly affect financial distress, indicating that both high and low cash ratio values do not necessarily correlate with the risk of financial problems. Similarly, the debt-to-equity ratio also shows no effect on financial distress, suggesting that investors' decisions to invest are not swayed by changes in the debt-to-equity ratio as reflected in financial statements.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: financial distress
  topic: keywords
subject: return on asset
  topic: keywords
subject: cash ratio
  topic: keywords
subject: debt to equity ratio
  topic: keywords
creator: Annisa Apriliantika
creator: Agung Praptapa
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-05-01
publication date: 2025-05-01
starting page: 1
ending page: 10
doi: 10.28918/jief.v5i1.9087

Leverage, Kepemilikan Publik dan Opini Audit Report Lag
type: item
description: The purpose of this study was to analyze the factors that influence the delay in audit reports to companies listed on the Indonesia Stock Exchange. The factors studied in this study are leverage, public ownership and audit opinion as independent variables, while audit report lag as the dependent variable. The population in this study is a manufacturing company in the consumer goods sub-sector listed on the Indonesia Stock Exchange. By using purposive sampling motede, obtained as many as 8 companies. The type of data in this study is secondary data in the form of financial statements, and the analysis method uses multiple linear regression analysis and SPSS Version 25 tools. The results of this study indicate that leverage has a significant effect on audit report lag. While public ownership and audit opinion have no effect on audit report lag.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: leverage
  topic: keywords
subject: public ownership
  topic: keywords
subject: audit opinion
  topic: keywords
subject: audit report lag
  topic: keywords
creator: Marlina Putri
creator: Abdallah Rabiu Mohammed Raibu
creator: Ahmad Syukron Ulinnuha
rights: Copyright (c) 2024 JIEF Journal of Islamic Economics and Finance
date: 2024-11-01
publication date: 2024-11-01
starting page: 48
ending page: 57
doi: 10.28918/jief.v4i2.9174

The Influence of Shopping Lifestyle and Discounts on Impulsive Buying of Fashion Products (A Study among Generation Z Shopee Users in Pekalongan)
type: item
description: The rapid development of Shopee e-commerce in Indonesia not only brought various positive impacts but also negative impacts including impulsive buying behavior. This study aims to examine the influence of shopping lifestyle and discounts on impulsive buying of fashion products at Shopee e-commerce among Generation Z Consumers in Pekalongan. This study is a survey-based field research with a quantitative approach. Data collection in this study was carried out using a Google Form questionnaire as an instrument. The sample in this study is 96 Generation Z in Pekalongan who used Shopee E-Commerce. The data analysis method is multiple linear regression analysis. Based on the results of data analysis, this study found that shopping lifestyle and discounts had a positive and significant effect on impulsive buying of fashion products on Shopee e-commerce among Generation Z in Pekalongan
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: shopee
  topic: keywords
subject: discount
  topic: keywords
subject: shoping life style
  topic: keywords
subject: impulse buying
  topic: keywords
creator: Rizky Andrean
creator: Syifa Rohmah
creator: Nurul Khikmah
rights: Copyright (c) 2024 JIEF Journal of Islamic Economics and Finance
date: 2024-11-01
publication date: 2024-11-01
starting page: 69
ending page: 82
doi: 10.28918/jief.v4i2.9130

Analisis Pengaruh Rasio Keuangan Terhadap Nilai Profit Sharing Deposito Mudharabah Perbankan Syariah di Indonesia dan Malaysia
type: item
description: The study aims to determine the impact of return on assets, return on equity, operating costs and operating revenue, financing to deposit ratio, and non- performing finance on the value of the profit sharing of Mudharabah deposits. The sample of this research is Shariah General Bank, registered with the Indonesian Financial Services Authority and the Bank of Malaysia State in 2017– 2023. The results of research at the Shariah General Bank in Indonesia show that the variable Return on Assets has a negative and significant impact on the value of the profit sharing of deposits. While the variables Return on Equity, Operational Costs and Operational Revenue, Financing to Deposit Ratio, and Non-Performing Finance do not have an effect on the profit sharing value of deposit deposits, the results of the study at the Shariah General Bank in Malaysia show that return on assets and return on equity have an influence on the share value of the profit of the deposit.
subject: Author Index
  topic: section
subject: Return on Asset
  topic: keywords
subject: Return on Equity
  topic: keywords
subject: Operational Cost
  topic: keywords
subject: Operational Revenue
  topic: keywords
subject: Financing to Deposit Ratio
  topic: keywords
creator: Lala Supriyati
creator: Mukti Wibowo
creator: Anugrah Fitria Berliannanda
rights: Copyright (c) 2024 JIEF Journal of Islamic Economics and Finance
date: 2024-11-01
publication date: 2024-11-01
starting page: 58
ending page: 68
doi: 10.28918/jief.v4i2.9011

Determinan Keputusan Menggunakan Jasa Perbankan Syariah
type: item
description: The development of the number of customers at Islamic banks certainly shows the public's interest in deciding whether to remain customers or not. Residents of Comal District, which is dominated by Islam, should choose to use Islamic banks. Of course, the interest of the people of Comal District in becoming part of an Islamic bank is influenced by many factors, including religiosity, emotional motivation, and rational motivation. This type of research is field research with a quantitative research approach. The population in this study were residents of the Comal sub-district with a sample of 96 respondents. The source of data used is primary data. Data analysis in this study used the validity test, reliability test, normality test, test multicollinearity test, heteroscedasticity test, multiple linear regression test, coefficient of determination test (R2)), T-test, and F test through IBM SPSS 26 program. The study's results show that religiosity, emotional motivation, and rational motivation significantly affect the decision-making of residents of the Comal sub-district to use Islamic banking services. Simultaneously, religiosity also influences the decision to use Islamic banking services.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Religiositas
  topic: keywords
subject: Motivasi emosional
  topic: keywords
subject: Motivasi rasional
  topic: keywords
subject: Pengambilan keputusan
  topic: keywords
creator: Bunga Alisa
creator: Galya Adisti
rights: Copyright (c) 2024 JIEF Journal of Islamic Economics and Finance
date: 2024-11-01
publication date: 2024-11-01
starting page: 25
ending page: 34
doi: 10.28918/jief.v4i2.9089

Optimizing the Potential of Zakat Management in Indonesia Through Technology Integration
type: item
description: Zakat has significant potential in improving the welfare of individuals and communities in Indonesia. As a pillar of Islamic finance, zakat is the obligatory act of giving a certain portion of one's wealth to support the less fortunate. The purpose of this study is to provide a comprehensive understanding to policymakers, zakat institutions, and stakeholders about potential challenges and solutions for effective zakat management in Indonesia. The method used in this research is the literature study method or commonly referred to as literature review or secondary research. Effective zakat management in Indonesia can be significantly improved by integrating technological elements, such as digital platforms. Digital media offers a convenient and secure zakat payment system, increasing efficiency and expanding participation.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: zakat
  topic: keywords
subject: management
  topic: keywords
subject: technology
  topic: keywords
creator: Rinda Asytuti
creator: Fathul Arifin
creator: Khalimi Shubhi
rights: Copyright (c) 2025 JIEF Journal of Islamic Economics and Finance
date: 2025-05-01
publication date: 2025-05-01
starting page: 59
ending page: 65
doi: 10.28918/jief.v5i1.8683

Pengaruh Pasar Modal Syariah dan Makroekonomi terhadap Pertumbuhan Ekonomi Indonesia Menggunakan Vector Error Correction Model
type: item
description: Indonesia with its predominantly Muslim population, has great potential in developing the Islamic capital market to support the country's economy. This is indicated by the development of Islamic capital market instruments every year. In addition, macroeconomic aspects also affect the stability of the economy in a country. Therefore, this study was conducted to examine the influence between the Islamic capital market and macroeconomics on economic growth in Indonesia in the period 2014–2023. The data used are secondary data from various sources regarding the Islamic capital market, macroeconomics, and national economic growth. This research utilizes quantitative methods with descriptive analysis in the form of line diagrams and inference in the form of Vector Error Correction Model. The results showed that Islamic stocks have a causal relationship with economic growth. In the short-term model, Islamic capital market and macroeconomic variables have no significant influence on economic growth. However, Islamic stocks, Islamic bonds, Islamic mutual funds, exchange rates, and exports have a significant positive effect on economic growth in the long-term model. Meanwhile, inflation and imports have no significant effect on economic growth. The VECM model estimation results produced an R-Squared value of 79.63%.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Macroeconomics
  topic: keywords
subject: Shariah Capital Market
  topic: keywords
subject: Economic Growth
  topic: keywords
subject: VECM
  topic: keywords
creator: Suhendra Widi Prayoga
creator: Afied Akhmad
creator: Faris Iqbal Maulana Susanto
rights: Copyright (c) 2024 JIEF Journal of Islamic Economics and Finance
date: 2024-11-01
publication date: 2024-11-01
starting page: 12
ending page: 24
doi: 10.28918/jief.v4i2.8546

Efektifkah Fintech Terhadap Perkembangan Pasar Modal Syariah?
type: item
description: This research examines the effectiveness of the use of fintech consisting of p2p lending, equity crowdfunding, and shariah online trading system (SOTS) on the Islamic capital market. The application of fintech in the financial industry has long been implemented. However, especially in the development of the sharia capital market, this is one potential that is quite large because Indonesia is one of the biggest muslim populations in the world. This research uses a qualitative method of literature study. This approach involves collecting analytical data from various literature sources. This research resulted in points of consideration for the effectiveness of fintech on the islamic capital market. The researcher also present challenges for the development of fintech in Indonesia that are expected to be improved for stakeholders and become suggestions for further research because fintech will continue to develop as the times change. And researcher consider that fintech is effective in the development of the capital market in Indonesia.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Effective
  topic: keywords
subject: Financial technology
  topic: keywords
subject: Islamic capital market
  topic: keywords
creator: Lailatul Qomariyyah
creator: Febbi Dian Amalia Sari
creator: GHIFARI ROBBY MAULANA
rights: Copyright (c) 2024 JIEF Journal of Islamic Economics and Finance
date: 2024-11-01
publication date: 2024-11-01
starting page: 1
ending page: 11
doi: 10.28918/jief.v4i2.8657

The Existence of Cash Waqf in Indonesia as a Bride to Prosperity
type: item
description: This research aims to provide an in-depth understanding of the existence and role of cash waqf in Indonesia as a bridge to community welfare. The method used in this research is a descriptive qualitative or data-based research, data collection techniques are carried out by looking for data sources such as journals, opinions, news articles, and waqf tables in Indonesia from the Indonesian Waqf Institution. The results of this research are that cash waqf is a solution to the problem of social inequality, and can have the potential for community welfare. Cash waqf opens space for someone who wants to give waqf without waiting to become a landlord. This research implies that the existence of cash waqf is a bridge to community welfare because of the benefits that can be felt by the public.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Cash waqf
  topic: keywords
subject: Community welfare
  topic: keywords
subject: Social inequality
  topic: keywords
creator: Khafidha Nur Fadlilah
creator: Helena Angel Likha
creator: Yuniar Tri Wulandari
creator: Rinda Asytuti
rights: Copyright (c) 2024 JIEF Journal of Islamic Economics and Finance
date: 2024-11-01
publication date: 2024-11-01
starting page: 35
ending page: 47
doi: 10.28918/jief.v4i2.2143

Strategi Sukses E-Commerce: Analisis Pengaruh Pendapatan, Kualitas Pelayanan, dan Kepercayaan Terhadap Minat Beli Masyarakat Melalui Aplikasi Atamtech di Aceh Tamiang
type: item
description: This research aims to find out how income, service quality and trust influence people's buying interest through the Atamtech application in Aceh Tamiang. The approach used in this research is quantitative research. The data source used is primary data obtained through a questionnaire with Likert scale measurements with the population in this study being the people of Aceh Tamiang. Samples were taken using random sampling and 250 people were sampled in this study. Data used multiple linear regression methods, descriptive tests, normality tests, multicollinearity tests, heteroscedasticity tests, autocorrelation tests, linearity tests, t tests, f tests, and coefficient of determination tests using SPSS 29.0.2.0 software. Based on the research results, it can be concluded that income (X1) on people's buying interest (Y) partially has a significant influence. Service quality (X2) on people's buying interest (Y) has a significant influence. Trust (X3) on people's buying interest (Y) partially has a significant influence. With an income test reliability value of 0.787, service quality of 0.873, trust of 0.704 and public buying interest of 0.838.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Pendapatan
  topic: keywords
subject: Kualitas Pelayanan
  topic: keywords
subject: Kepercayaan
  topic: keywords
subject: Minat Beli
  topic: keywords
creator: Riona Putri
creator: Anis Kurlillah
creator: Zikriatul Ulya
creator: Yusmami
rights: Copyright (c) 2024 JIEF Journal of Islamic Economics and Finance
date: 2024-05-01
publication date: 2024-05-01
starting page: 90
ending page: 101
doi: 10.28918/jief.v4i1.7300

Faktor Psikologis, Gaya Hidup, dan Kelompok Referensi pada Generasi Z terhadap Minat Menabung di Bank Syariah Indonesia
type: item
description: This study aims to determine the psychological factors, lifestyle, and reference groups in generation Z towards interest in saving at Bank Syariah Indonesia. This type of research is quantitative field research that emphasizes the management of numerical data through statistical methods. Generation Z in Tegal Regency was used as the population in this study. The data collection technique in this study was in the form of distributing questionnaires using a sample of 100 respondents. Lemeshow formula was used by the research in the process of determining the number of samples available, then the sample was taken using non-probability sampling method. The results of this study indicate that through the t test method (partial) all independent variables have a significant effect on interest in saving money as the dependent variable. Then, through the f test (simultaneous) together the independent variables have a significant effect on saving interest.
subject: Author Index
  topic: section
subject: Author Index
  topic: category
subject: Faktor Psikologis
  topic: keywords
subject: Gaya Hidup
  topic: keywords
subject: Kelompok Referensi
  topic: keywords
subject: Minat Menabung
  topic: keywords
creator: Maulana Rizki
creator: Tamamudin
rights: Copyright (c) 2024 JIEF Journal of Islamic Economics and Finance
date: 2024-05-07
publication date: 2024-05-07
starting page: 62
ending page: 76
doi: 10.28918/jief.v4i1.7299