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All Journal Jurnal Ilmiah Ekonomi Islam
Muhammad Tho’in
Institut Teknologi Bisnis AAS Indonesia
Economics, Econometrics & Finance Social Sciences

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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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (330.117 KB) | DOI: 10.29040/jiei.v7i3.3600

Abstract

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

Abstract

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

Abstract

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

Abstract

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.
Co-Authors Anom Sudibyo Raharjo Fatahillah Fitri Agus Suprianto Ghina Kemala Dewi Iin Emy Prastiwi Indah Fitri Yani Kalbuana, Nawang Sumadi Yohana Yohana