Julo-julo as a Living Economic Institution: A Systematic Literature Review of Minangkabau Customary Law, Indonesian Cultural Values, and Islamic Economic Law

2026-06-04T08:49:15+00:00

Julo-julo is a traditional community-based financial technique still practiced in Minangkabau society and widely considered an indigenous economic institution. Julo-julo also receives little attention in current research. This study aims to fill this gap by thoroughly examining julo-julo practice in Minangkabau's traditional economy through a review of relevant literature. A systematic literature review was conducted following the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) guidelines. We identified relevant research published between 2020 and 2026 in the Scopus and SINTA databases using predefined inclusion and exclusion criteria, resulting in 12 papers for qualitative synthesis. Review and synthesis of these articles show that julo-julo, as a traditional economic system of the Minangkabau people, positively affects the local economy. The values inherent in it, such as mutual aid, cooperation, and brotherhood, are relevant to the broader Indonesian cultural framework. Julo-julo practices are legally acceptable under Islamic economic law, as long as they are implemented correctly and in accordance with fiqh principles. Future research should move beyond descriptive analyses to examine how julo-julo adapts to digital financial ecosystems, intergenerational cultural change, and contemporary Islamic financial regulation.

Ihsan Achievement-Oriented Leadership (IAOL), Ta’awun, and Tasamuh as Islamic Values in Enhancing Islamic Banking Employee Performance

2026-08-08T06:57:57+00:00

Employee performance is a key determinant of how effectively Islamic banking institutions operate, especially in sustaining service excellence, ethical accountability, and overall organizational outcomes. This study examines how Ihsan Achievement-Oriented Leadership (IAOL) influences employee performance by assessing ta’awun as a mediator and tasamuh as a moderator within Islamic banks in East Java. The research used a quantitative explanatory design and applied Partial Least Squares Structural Equation Modeling. Data were collected through an online questionnaire from 125 Islamic banking employees selected through purposive sampling, with snowball recruitment supporting respondent distribution. The findings indicate that IAOL positively and significantly affects employee performance (β = 0.533, t = 5.934, p < 0.001) and also significantly enhances ta’awun (β = 0.706, t = 16.564, p < 0.001). Ta’awun, in turn, positively and significantly affects employee performance (β = 0.302, t = 2.363, p = 0.019) and partially mediates the IAOL–performance relationship through a significant indirect effect (β = 0.213, t = 2.285, p = 0.023). Moreover, tasamuh significantly amplifies the positive association between IAOL and employee performance. Overall, the results highlight the value of combining ihsan-oriented leadership with cooperative and tolerant workplace practices to improve employee performance in Islamic banking institutions.

Al-Jadwa: Jurnal Studi Islam

Julo-julo as a Living Economic Institution: A Systematic Literature Review of Minangkabau Customary Law, Indonesian Cultural Values, and Islamic Economic Law

Ihsan Achievement-Oriented Leadership (IAOL), Ta’awun, and Tasamuh as Islamic Values in Enhancing Islamic Banking Employee Performance