Journal of Islamic Economics and Business
Journal of Islamic Economics and Business (JIEB) is an international peer-reviewed and open-access journal that advances scholarly research in Islamic economics, finance, business, and their intersections with contemporary global economic transformation. JIEB provides a platform for theoretical, empirical, and interdisciplinary research addressing emerging issues in digital transformation, sustainability, Islamic and social finance, halal economy, entrepreneurship, management, and inclusive development across diverse economic and institutional contexts. JIEB is published biannually in June and December by the Faculty of Islamic Economics and Business, UIN Sunan Gunung Djati Bandung, Indonesia. ISSN:2798-4834 (Online) | 2798-8562 (Print) DOI Prefix:10.15575/jieb Publication Frequency:June & December Peer Review:Double-Blind Peer Review Language:English Access:Open Access Publisher:Faculty of Islamic Economics and Business, UIN Sunan Gunung Djati Bandung
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Opportunities and Challenges of Human Resource Virtualization in the Banking Sector: Evidence from Zimbabwe
The rapid advancement of digital technologies has transformed human resource (HR) management practices and compelled organizations to adapt to increasingly dynamic business environments. In the banking sector, HR virtualization has emerged as an important strategy for enhancing operational flexibility and sustaining organizational performance in the digital era. This study examines the opportunities and challenges associated with the implementation of HR virtualization at a commercial bank in Zimbabwe. A mixed-method descriptive survey design was employed involving seven managers selected through purposive sampling and 493 employees. Data were collected using structured questionnaires and virtual interviews and analyzed using descriptive and thematic approaches. The findings reveal that HR virtualization provides several opportunities, including improved work–life balance, enhanced operational efficiency, increased organizational competitiveness, and improved service delivery. However, its implementation is constrained by challenges such as internet connectivity problems, employee stress, low levels of virtual engagement, resistance to change, and limited technological resources. The study concludes that while HR virtualization offers significant benefits to banking institutions, its successful implementation requires supportive organizational policies, reliable technological infrastructure, and effective change management strategies. The study contributes to the growing literature on digital human resource management by providing empirical evidence on the opportunities and challenges of HR virtualization within the banking sector of an emerging economy.
Copyright (c) 2026 Dingane. D. Mushukuku, Vonai Chirasha, Mildred Mahapa (Author) https://creativecommons.org/licenses/by-sa/4.0
Solar Villages: Evaluating the Economic Benefits of China’s Rural Electrification Programs
Rural solar-based electrification has become an important instrument for expanding energy access while promoting socio-economic development in rural areas. This study aims to examine the impact of rural solar electrification programs in China on household income, education, and public health. The study employs a quantitative approach with a quasi-experimental design, combining Difference-in-Differences (DiD) and Propensity Score Matching (PSM) to compare socio-economic changes between areas receiving electrification interventions and comparable control areas with similar initial characteristics. The findings indicate that rural electrification has a positive effect on household income, particularly non-farm income, and contributes to improvements in educational attainment and health outcomes. More specifically, electrification is associated with increased years of schooling, higher school participation, and longer study time among children, while also reducing the incidence of respiratory illness and improving households’ perceived health status. These findings suggest that rural solar electrification serves not only as a means of providing energy access but also as a broader development instrument that expands economic opportunities, strengthens human capital, and enhances rural welfare. Therefore, rural electrification policies should be integrated with local economic development, education, and health programs to maximize their long-term, sustainable benefits.
Copyright (c) 2026 Utkina Margarita Sergeevna (Author) https://creativecommons.org/licenses/by-sa/4.0
How Short-Form Travel Videos on TikTok Drive Intention Through Presence, Enjoyment, Flow Experience in Indonesian Gen Z
The growth of Indonesia's tourism industry encourages fierce competition in the fight for the attention of tourists, especially Generation Z, who allocate around 29 percent of their income to tourism activities. This group makes short-form video content on TikTok the main reference in determining travel destinations. This study aims to examine the influence of the quality of tourism short video information, including information usefulness, information ease of use, and information comprehensiveness, on travel intention through the mediating roles of presence, enjoyment, and Flow experience in Generation Z Indonesia. A quantitative approach with a causal design was applied using purposive sampling of 237 respondents of Generation Z TikTok users in Indonesia. Hypothesis testing was carried out through Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis using SmartPLS. The results showed that information ease of use and information comprehensiveness had a significant effect on presence, while information usefulness did not. The three dimensions of information quality have a positive effect on enjoyment, with information ease of use as the strongest predictor. Flow experience was found to be the strongest predictor in forming travel intention, followed by enjoyment and presence. This study concludes that deep psychological involvement while consuming tourism content is the main catalyst for the birth of the intention to visit domestic destinations in Generation Z Indonesia.
Copyright (c) 2026 Muhammad Qaishar Fathin, Achmad Azizan Irdinanto, Nissa Ghulma Ratnasari (Author) https://creativecommons.org/licenses/by-sa/4.0
Toward a Euro-Islamic Model of Halal Economic Integration: The Case of Bulgaria
The rapid expansion of the global halal economy has created new opportunities for non-Muslim countries to participate in halal value chains. However, limited evidence exists regarding the institutional readiness and development potential of the halal industry in emerging European economies. This study examines the economic, institutional, and socio-cultural factors influencing halal industry development in Bulgaria. A mixed-method approach was employed, combining regulatory analysis, documentary analysis, SWOT analysis, and a nationwide survey involving 236 stakeholders. The findings indicate that Bulgaria possesses moderate institutional readiness for halal industry development. Economic potential and regulatory compatibility represent key strengths, while fragmented institutional coordination, the absence of a nationally recognized halal certification system, and limited institutional trust remain significant constraints. Regression analysis identifies economic potential as the strongest determinant of stakeholder willingness to support halal industry development, followed by institutional trust and socio-cultural acceptance. The findings suggest that Bulgaria has favorable conditions to strengthen its position in the regional halal economy, provided that certification governance, institutional coordination, and public awareness are further improved. These findings provide the basis for a Euro-Islamic Model of Halal Economic Integration, demonstrating how economic competitiveness, institutional credibility, and socio-cultural legitimacy jointly facilitate halal market development within a secular European institutional environment.
Copyright (c) 2026 Daniel Petrov (Author) https://creativecommons.org/licenses/by-sa/4.0
The Influence of Structural Resources on the Performance of Micro-Businesses in the Agrotourism Sector with Human Capital as a Moderator
This study examines the influence of structural resources on the performance of micro-enterprises in the agrotourism sector, with human capital as a moderating variable. Agrotourism, which combines the agricultural and tourism sectors, has significant potential for boosting the local economy. However, in some areas, such as Ciwidey and Lembang, its development is still suboptimal due to limited infrastructure, a lack of innovation, and suboptimal synergy between stakeholders. This study uses a quantitative approach with an associative method to analyze the relationship between government promotion, brand identification, and financial access on the performance of agrotourism micro-enterprises. Data were collected through a Likert-scale questionnaire administered to micro-enterprises in this sector. Data analysis was conducted using structural equation modeling (SEM-PLS) to test the direct effect and moderating role of human capital. The results showed that government promotion had no significant effect on micro-enterprise performance. Conversely, brand identification and financial access had a significant positive effect on business performance. The moderating role of human capital showed mixed results: the relationship between government promotion and performance was insignificant, the relationship between brand identification and performance was weakened by human capital moderation, while the relationship between financial access and performance was strengthened by human capital.
Copyright (c) 2026 Adi Indradi Wazdi, Nur'aeni, Setiawan, Asep Abdul Halim (Author) https://creativecommons.org/licenses/by-sa/4.0
Does Business Sustainability Mediate the Effect of Women’s Micro Entrepreneurship on Family Welfare?
This study aims to develop a holistic model of family welfare among women micro-entrepreneurs by examining the effects of Islamic microfinance, women’s empowerment, spiritual motivation, and digital technology adoption, with business sustainability serving as a mediating variable. Unlike previous studies that predominantly examine the direct effects of financial and non-financial resources on business performance or welfare, this study integrates financial, technological, empowerment, and spiritual dimensions into a single model and investigates business sustainability as the mechanism linking these factors to family welfare. A quantitative approach was employed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). Data were collected through purposive sampling from 200 women micro-entrepreneurs in West Java, Indonesia. The results demonstrate that digital technology adoption and spiritual motivation have positive and significant effects on business sustainability, whereas women’s empowerment has a significant negative effect. Islamic microfinance does not significantly affect business sustainability. Digital technology adoption, spiritual motivation, and business sustainability have positive and significant effects on family welfare, while Islamic microfinance and women’s empowerment have no significant direct effects. The mediation analysis reveals that business sustainability significantly mediates only the relationship between digital technology adoption and family welfare. However, it does not mediate the effects of Islamic microfinance, women’s empowerment, or spiritual motivation on family welfare. These findings highlight digital technology adoption as a critical pathway through which sustainable micro-enterprises can improve the welfare of women entrepreneurs’ families.
Copyright (c) 2026 Aas Nurasyiah, Hilda Monoarfa, Ripan Hermawan, Firmansyah, Rahmayati, Shafinar Ismail (Author) https://creativecommons.org/licenses/by-sa/4.0