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Pengaruh GCG, Leverage, Pengungkapan CSR terhadap Performance Financial pada Perbankan Syariah di Indonesia dengan Ukuran Perusahaan sebagai Variabel Moderasi Ghina Kemala Dewi; Indah Fitri Yani; Yohana Yohana; Nawang Kalbuana; Muhammad Tho’in
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

This study aims to determine how the effect of GCG, leverage, CSR disclosure on financial performance with firm size as a moderating variable. The population in this study is Islamic banking registered with Bank Indonesia (BI) during the 2015-2019 period. The technique of determining the sample in this study is purposive sampling technique and for data analysis this study uses multiple linear analysis techniques. This study reveals that GCG has no significant effect on financial performance, leverage has a positive and significant effect on financial performance, CSR disclosure has a positive and significant effect on financial performance, firm size has no effect on the effect of GCG on financial performance, firm size has no effect on leverage on financial performance. financial performance, and firm size has a negative effect on the effect of CSR disclosure on financial performance.

Analisis hukum syari'ah terhadap praktik jual beli online di Indonesia Anom Sudibyo Raharjo; Sumadi; Muhammad Tho’in
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19687

The rapid development of information technology has increased the use of online buying and selling through digital platforms. This study aims to analyze the conformity of online trading practices in Indonesia with Islamic legal principles. The research employs a normative-empirical legal method with a descriptive qualitative approach. Data were collected through observation, interviews, documentation, and library research based on the Qur’an, Hadith, DSN-MUI fatwas, and fiqh muamalah literature. The findings indicate that online transactions generally meet the essential elements and requirements of contracts in Islamic law, including the existence of sellers and buyers, the subject of the transaction, prices, and mutual consent expressed through digital media. Digital payment systems are also considered sharia-compliant as long as they do not involve elements of riba, gharar, or maysir. However, several issues remain, including inaccurate product descriptions, delivery delays, and potential fraud. Therefore, improving information transparency, consumer protection, and sharia literacy is necessary to ensure fairer and more sharia-compliant online transactions.

STRATEGI PELAKU WISATA DALAM MENINGKATKAN EKONOMI LOKAL BERBASIS ISLAM DI DAERAH KEMUNING Fitri Agus Suprianto; Iin Emy Prastiwi; Muhammad Tho’in
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19695

This research was conducted in Kemuning Village, Ngargoyoso District, Karanganyar Regency, Central Java, which is developing as an Islamic-based tourism destination supported by the natural potential of the slopes of Mount Lawu. This study aims to analyze the strategies of tourism actors in enhancing the Islamic-based local economy and to identify the supporting factors and their impact on community welfare. A descriptive qualitative approach was employed, with data collection techniques including interviews, observation, and documentation. The novelty of this research lies in the analysis of integrating the Resource Support Strategy with Islamic-based tourism principles through collaboration among BUMDes (Village-Owned Enterprises), MSMEs, and local transportation service providers. The results indicate that destination development is achieved by providing Muslim-friendly facilities, such as worship facilities and halal culinary options, as well as optimizing natural resources and community participation. Successful implementation is supported by natural attractions, adequate accessibility, and synergy among stakeholders. The resulting impacts include an increase in Village Original Income (PADes), job creation, the growth of local MSMEs, and the strengthening of economic practices aligned with sharia principles. This study concludes that Islamic-based tourism in Kemuning Village is capable of driving sustainable local economic growth while maintaining Islamic values in destination management.

Pengaruh Faktor-faktor Kualitas Pelayanan Terhadap Kepuasan Nasabah di Bank Syariah Indonesia (BSI) KCP Solo Urip Sumoharjo Fatahillah; Muhammad Tho’in; Sumadi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19718

This study aims to analyze the effect of service quality dimensions, namely tangible, reliability, responsiveness, assurance, and empathy, on customer satisfaction at Bank Syariah Indonesia (BSI) KCP Solo Urip Sumoharjo. The study employed a quantitative approach with an explanatory research design. Data were collected through questionnaires distributed to 80 customers selected using a simple random sampling technique. Data analysis was conducted using multiple linear regression, t-test, F-test, and coefficient of determination (R²) with the assistance of SPSS software. The results indicate that service quality simultaneously has a positive and significant effect on customer satisfaction. Partially, all service quality dimensions, including tangible, reliability, responsiveness, assurance, and empathy, have a positive and significant effect on customer satisfaction. Among these dimensions, reliability is the most dominant factor influencing customer satisfaction. The coefficient of determination (R²) of 0.675 indicates that 67.5% of customer satisfaction can be explained by service quality variables, while the remaining 32.5% is influenced by other factors outside the research model. These findings suggest that improving service quality is essential for enhancing customer satisfaction in Islamic banking institutions.

ANALISIS FAKTOR YANG MEMPENGARUHI KEPUASAN NASABAH DI KSUS “KARYA BAROKAH” Agni Andhita Rachma; Muhammad Tho’in; Iin Emy Prastiwi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19120

The purpose of this study was to determine the effect of tangible factors on customer satisfaction at KSUS Karya Barokah. To determine the effect of responsiveness factors on customer satisfaction at KSUS Karya Barokah. To determine the effect of reliability factors on customer satisfaction at KSUS Karya Barokah. To determine the effect of assurance factors on customer satisfaction at KSUS Karya Barokah. This study was conducted at KSUS Karya Barokah Purwantoro, Wonogiri City. The sample in this study was 100 respondents. Data collection techniques using questionnaires. Data analysis techniques using multiple linear regression analysis. The results of the study showed that tangible, responsiveness, reliability, assurance, and empathy had a simultaneous and significant effect on customer satisfaction at KSU Karya Barokah. Tangible had a positive and significant effect on customer satisfaction at KSU Karya Barokah. Responsiveness had a positive and significant effect on customer satisfaction at KSU Karya Barokah. Reliability had a positive and significant effect on customer satisfaction at KSU Karya Barokah. Assurance had a positive and significant effect on customer satisfaction at KSU Karya Barokah. Empathy had a positive and significant effect on customer satisfaction at KSU Karya Barokah.

Implementasi Model Usaha Laundry Syariah Di Pondok Pesantren Nanang Suhendra; Muhammad Tho’in; Sumadi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i01.19121

The objectives of this research are to know how the implementation is sharia principle in Islamic Boarding School laundry service and to analyze the concept, implementation, and the benefit of sharia laundry service in boarding school environment. In conducting this research, the researcher applied qualitative research with descriptive approach, observation, and interview with laundry manager and students. The results of this research show that sharia laundry is not only maintaining the cleanliness of clothes, but also provide character education, spiritual formation, and economic development of pesantren. The conclusion, sharia laundry can be a practical and strategy solution for creating a clean, healthy, and religiously appropriate environment within a pesantren.

Peran KSPPS Nur Insani Karanganyar Dalam Pengembangan Ekonomi Mikro Berbasis Syariah Anton Pradigdyo; Muhammad Tho’in; Iin Emy Prastiwi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19618

This research aims to analyze the role of KSPPS Nur Insani Karanganyar in providing access to Sharia financing and its contribution to the development of members' micro-businesses. The research method used is descriptive qualitative with data collection techniques through interviews, observation, and documentation. Data analysis was carried out through stages of reduction, data presentation, and drawing conclusions combined with SWOT strategy analysis. The results show that KSPPS Nur Insani plays an important role as an alternative institution for micro-businesses through fast service processes and the use of Sharia contracts. SWOT analysis reveals that the main strength lies in community trust and humanistic services, while the main obstacles are limited human resources and lack of digitalization . The formulated development strategies include service digitalization, human resource capacity building, and strengthening monitoring to mitigate the risk of default.

ANALISIS PENGARUH ETIKA BISNIS ISLAM TERHADAP TINGKAT KEPUASAN PELANGGAN TOKO KENCANA WANGI KARANGANYAR Anwar Achmadi; Muhammad Tho’in; Agus Marimin
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19636

This study aims to examine the influence of Islamic business ethics dimensions (Shiddiq, Amanah, Tabligh, and Fathonah) on customer satisfaction at Kencana Wangi Store, Karanganyar. A quantitative approach was employed with the Slovin formula to determine 55 respondents from a population of 120 customers. Data were collected through a Likert scale 1-5 questionnaire and analyzed using multiple linear regression with SPSS. Results show that simultaneously all four dimensions significantly influence customer satisfaction (F = 35.111; Sig. 0.000; R² = 0.737). Partially, Amanah (t = 2.888; Sig. 0.006) and Fathonah (t = 3.940; Sig. 0.000) have a positive and significant effect, while Shiddiq (Sig. 0.340) and Tabligh (Sig. 0.374) are not significant. Fathonah is the most dominant variable with the highest Beta value of 0.503. These findings underscore the importance of developing staff competence and professionalism in enhancing Islamic values-based customer satisfaction.

The Effect of Paylater System, Financial Literacy and Understanding of Islamic Economics on Consumer Consumption Patterns in E-Commerce (A Case Study of the Community in Colomadu District): Studi Kasus pada Masyarakat di Kecamatan Colomadu Nurul Munawaroh; Iin Emy Prastiwi; Muhammad Tho’in
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19643

The development of digital technology has contributed to changes in consumer behavior, particularly through the use of e-commerce and digital financial services such as PayLater. The convenience offered by digital payment systems is assumed to influence consumer consumption patterns. This study aims to examine the effect of PayLater usage, financial literacy, and understanding of Islamic economics on consumer consumption patterns in e-commerce in Colomadu District. This research employs a quantitative approach using a survey method. Data were collected through questionnaires distributed to 100 respondents selected using simple random sampling. The data were analyzed using multiple linear regression preceded by validity, reliability, and classical assumption tests, as well as hypothesis testing using t-test and F-test. The results show that partially, PayLater usage and understanding of Islamic economics do not have a significant effect on consumer consumption patterns. In contrast, financial literacy has a significant effect on consumption patterns. Simultaneously, PayLater usage, financial literacy, and understanding of Islamic economics have a significant effect on consumption patterns. These findings indicate that financial literacy plays a more dominant role in shaping consumer behavior compared to the convenience of digital payment systems and the understanding of Islamic economic values.

Dampak Sertifikasi Halal Terhadap Penjualan Produk Makanan UMKM (Studi Kasus Pada UMKM di Kalibata): indonesian Fitriyadi Omamoy; Muhammad Tho’in; Sumadi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.19739

This study aims to analyze the impact of halal certification on increasing sales of food products among Micro, Small, and Medium Enterprises (MSMEs), with a case study in Kalibata. Halal certification is considered a crucial factor in building consumer trust, particularly in Indonesia, where most of the population is Muslim, and a strategic tool for expanding market share. The research employs a quantitative approach, with data collected through questionnaires distributed to MSME actors in the Kalibata area. The data were analyzed using statistical techniques to examine the relationship between halal certification ownership and changes in sales levels. The results indicate that MSMEs with halal certification experience a significant increase in sales compared to those without certification. This finding suggests that halal certification not only serves as a guarantee of compliance with Islamic law but also functions as an effective marketing tool to enhance product competitiveness in the market. The implications of this study highlight the importance of government and related institutions in facilitating access, providing education, and supporting the halal certification process for MSMEs. Such efforts are expected to promote local economic growth and improve the sustainable competitiveness of MSME products.

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