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All Journal Jurnal Ekonomi Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IJIBE (International Journal of Islamic Business Ethics) Jurnal Ekonomi Syariah Teori dan Terapan JURNAL EKONOMI DAN BISNIS AIRLANGGA Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan Jurnal Ilmiah Ekonomi Islam AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat al-Uqud : Journal of Islamic Economics Jurnal Riset Akuntansi dan Keuangan International Journal of Islamic Economics and Finance (IJIEF) SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS Jurnal Ekonomi Islam Journal of Economic, Bussines and Accounting (COSTING) Jurnal Ekonomi & Keuangan Islam Dinamisia: Jurnal Pengabdian Kepada Masyarakat Management and Economics Journal (MEC-J) AFEBI Islamic Finance and Economic Review International Journal of Supply Chain Management JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Shirkah: Journal of Economics and Business EKUITAS (Jurnal Ekonomi dan Keuangan) Iqtishoduna: Jurnal Ekonomi Islam JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) Journal of Islamic Monetary Economics and Finance Jurnal Penelitian IPTEKS JURNAL MANAJEMEN DAN BISNIS INDONESIA Ulumuna: Jurnal Studi Keislaman Bappenas Working Papers Journal of Economics, Business, and Government Challenges International Journal of Zakat (IJAZ) Studi Kasus Inovasi Ekonomi Jurnal Mu'allim El-Qist : Journal of Islamic Economics and Business (JIEB) Airlangga International Journal of Islamic Economics and Finance Jurnal Iqtisaduna Jurnal Ekonomika dan Bisnis Islam Indonesian Community Journal Perbanas Journal of Islamic Economics and Business Journal of Islamic Economic Literatures JEBI (Jurnal Ekonomi dan Bisnis Islam) Journal of Islamic Economics Lariba Jurnal Ilmiah Pengabdian dan Inovasi Jurnal Ekonomi Islam IEFBR: Islamic Economics, Finance, and Banking Review Journal of Finance and Islamic Banking Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah LoroNG LAN TABUR: JURNAL EKONOMI SYARIAH JIFA (Journal of Islamic Finance and Accounting) Al-Infaq : Jurnal Ekonomi Islam
Sri Herianingrum
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Transportation Other

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PENGARUH HUMAN CAPITAL, ECONOMIC FREEDOM, DAN CAPITAL FORMATION TERHADAP PEMBANGUNAN EKONOMI ISLAM DI NEGARA-NEGARA OKI Indirwan, Syanisma; Susanto, Arva Athallah; Herianingrum, Sri; Widiastuti, Tika; Robani, Anidah Binti
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 3 (2025): Desember On Process
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n3.p1-23

Abstract

This study aims to analyze the influence of human capital, economic freedom, and capital formation on Islamic economic development in the member countries of the Organization of Islamic Cooperation (OIC). Using a quantitative approach with panel data from nine OIC countries over the period 2002–2023, the study employs a multi-method panel regression model, including Pooled OLS, Fixed Effect, Random Effect, PCSE, and System GMM. The Human Development Index (HDI) is used as a proxy for Islamic economic development, while the independent variables include dimensions of human capital (MYS and LE), economic freedom (LABF, MONF, TRAF, INVF, FINF), and capital formation (GCF). The analysis results show that variables such as Life expectancy, Gross capital formation, Monetary freedom, and Financial freedom consistently have a significant positive effect on HDI in most models, while variables such as Trade Freedom, Investment Freedom, and Mean Years of Schooling show inconsistent or insignificant effects. This study highlights the importance of synergy between human investment policies, macroeconomic stability, and the Islamic financial system in fostering sustainable and socially just economic growth in the Islamic world. The policy implications of these findings encourage strengthening the health sector, spiritually oriented education, and inclusive Islamic financial governance to accelerate the achievement of the Sustainable Development Goals (SDGs) in OIC countries.
THE EFFECTIVENESS OF MUDHARABAH FINANCING IN IMPROVING THE PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES (CASE STUDY OF BMT NURUL JANNAH GRESIK) Musdiana, Rohmah Niah; Herianingrum, Sri
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 1 No. 1 (2015): Januari - Juni 2015
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (728.271 KB) | DOI: 10.20473/jebis.v1i1.1435

Abstract

Financing is one of the products of Islamic banking, but because of the many requirements that must be complited by SME who need it then their capital needs are not fulfilled. One of the financial institutions that have the same product is Baitul Maal wat Tamwil (BMT).BMT present to fulfill the capital needs of the SMEs who have the problem of capital. By this existing phenomena, this study intends to look at the effectiveness of the financing in order to improve the performance of this SMEs. This research aims to determine whether the financing is provided by BMT Nurul Jannah Gresik effective in improving the performance of SMEs that become their customers and see what business improvement has been achieved such as increased turnover, business assets, revenues, and stability efforts. The results of this research to get the findings that the financing is provided by BMT Nurul Jannah Gresik very effective in improving the performance of SMEs who have become clients in addition to the financing is given BMT Nurul Jannah assist SMEs in meeting the other without prejudice to individual principles of trust and trust that they receive.Keyword : Effectiveness, mudharaba, Baitul Maal wat Tamwil, SMEs
AN ANALYSIS OF THE MONETARY TRANSMISSION MECHANISM OF PROFIT-SHARING FINANCING IN INDONESIA Herianingrum, Sri; Fathy, Ummi Muthi`ah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 2 No. 2 (2016): JULI-DESEMBER 2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (686.575 KB) | DOI: 10.20473/jebis.v2i2.3143

Abstract

This research is aimed to determine the importance of profit loss sharing financing in the monetary transmission process in the Indonesian economy. The study analyzes the effective of profit loss sharing financing in channelling the monetary policy effecs to the real economy. This research used the quantitative research method and used granger causality test, impulse response functions and variance decomposition analysis, focusing on the period from January 2010 to Aprl 2015. The results showed that there granger causality in the monetary transmission process there is causality in one direction from the variable FASBIS to FLPS, FASBIS to DPK.There is a two-way causality between variables CPI to / from FLPS, deposits to / from FLPS, SBIS to / from FASBIS.Funding for the results (FLPS) responds variable shock SBIS, FASBIS, deposits and CPI based on test results IRF.In general FLPS response to all variables fluctuate at the beginning of the period (period-1 to period 8), and starts balanced in the period from the 9th or the 25th month.Funding for the results contribute to the ultimate objective of monetary policy is inflation (CPI), but the contribution of financing for the results is relatively small, because although ranked second, but the contribution is only 2.57%. 
The Effect of Zakat Distribution and the Growth of the Halal Industry on the Human Development Index and Its Impact on Indonesia's Unemployment Rate Dul Candra; Baitul Hamdi; Sri Herianingrum; Hafidhotul Amaliyah
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7928

Abstract

This paper aims to analyze further the effect of zakat distribution and the growth of the halal industry on the HDI and unemployment rates in Indonesia, as well as to measure and analyze the direct and indirect effects of zakat distribution and the growth of the halal industry on the unemployment rate through the human development index in Indonesia. This research is quantitative research using a path analysis approach. The data sources used are secondary data sources in the form of 2014-2020 time series data published by BAZNAS, Salamgateway, and the Indonesian Central Statistics Agency (BPS). The results of this study show that the distribution of zakat and the growth of the halal industry have no significant effect on Indonesia's HDI. The distribution of zakat and HDI has a significant negative effect on the unemployment rate in Indonesia, while the halal industry positively influences the unemployment rate. The distribution of zakat and the halal industry's growth indirectly have no effect on the unemployment rate through the Human Development Index. The research is expected to contribute to the Indonesian government to use of zakat and the halal industry as an instrument to reduce Unemployment in Indonesia, namely by increasing regulations related to the effectiveness of zakat distribution and the halal industry so that the impact will be even more significant.
PERBANDINGAN DAMPAK KENAIKAN BIAYA ADMINISTRASI SHOPEE DAN TOKOPEDIA DITINJAU DALAM PERSPEKTIF ETIKA BISNIS ISLAM Dwi March Trisnawaty; Herianingrum, Sri
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/kkap3341

Abstract

Advances in technology and information in recent years have significantly influenced trading activities. Many sellers have shifted from conventional physical stores to online platforms, relying primarily on smartphone based transactions. Online marketplaces offer various conveniences that facilitate selling activities; however, these benefits are accompanied by increasing challenges for sellers. Intense competition among marketplaces has resulted in similar features being offered, while differences in administrative policies, particularly fees, have created additional burdens for sellers. Major platforms such as Shopee and Tokopedia play a dominant role in Indonesia’s online shopping ecosystem, making their administrative fee policies especially impactful. This study aims to compare administrative costs imposed by Indonesia’s two largest marketplaces, Shopee and Tokopedia, from the perspective of Islamic business ethics. The research employs a qualitative approach, utilizing literature reviews and data obtained from official websites and other credible online sources. The findings indicate that administrative fees in these marketplaces have increased over time. From the standpoint of Islamic business ethics, such increases may conflict with contractual principles, as they can involve elements of gharar (uncertainty) and injustice toward sellers. Sellers may experience losses due to unilateral fee increases without prior agreement, which often compels them to raise selling prices in order to maintain profit margins.
Why Infaq Remains Consumptive in Some Regions: A Comparative Study of Local Islamic Social Finance Practices Nuzulul Atiah, Isti; Herianingrum, Sri; Hasyim, Fuad; Najmudin, Najmudin; Sofiaturrohmah, Siti
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): In Progress (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.166

Abstract

Islamic social finance is increasingly recognized as a strategic instrument for economic empowerment; however, infaq utilization remains predominantly consumptive in many institutional contexts. This study develops an institutional governance explanation for why infaq functions productively in some regions while remaining consumptive in others. Drawing on institutional governance theory and Islamic social finance literature, this study argues that the transformation of infaq depends on governance capability, policy coherence, and ecosystem integration rather than on the intrinsic characteristics of the instrument. Using a qualitative comparative design based on secondary data from four regions in Indonesia, this study examines variations in institutional capacity, governance structure, and program integration. The findings show that productive infaq utilization is closely associated with institutional capability configuration, including structured program design, policy alignment, and integration with microenterprise empowerment systems. This study introduces the Localized Productive Infaq Governance (LPIG) model, which explains how governance capability enables the transformation of philanthropic funds into productive social capital. This study contributes to Islamic social finance literature by advancing a governance-centered theoretical framework and offering a transferable institutional model applicable to diverse Islamic social finance ecosystems.
Co-Authors Aam Slamet Rusydiana, Aam Slamet Abd Rohim Abdul Muiz Hamid Abdul Muiz Hamid, Abdul Muiz Abdurrahman Mi'raj, Denizar Ach. Yasin Aditya Nurrahman Afifah Nur Millatina Ahmad Fadlur Rahman Bayuny Ahmad Fahmi Abdurrahman AHMAD RIYADI Ahmad Riyadi Aidi Faiz Romadoni al Agawany, Ziad Mhmmad Wafik Al-Faizin, Abdul Wahid Alan Nur, Muhammad Aldeen, Khaled Nour Alfin Maulana Ali Shah, Syed Alamdar Alifah Aditania Alim, M. Sahirul Alvira Aina A'yun Alvira Aina A'yun Amri Ahmadi Annisa Masruri Zaimsyah Annisa Masruri Zaimsyah Arif Dwi Harnoko Arifin, Nur Rachmat Arikha Nur Adhilla Armanto, Andre Azhar Alam Bagus Wilarnugroho Bahril, Muthi Adilah Baitul Hamdi Baitul Hamdi Budi, Ryan Setya Cipto, Disca Aprilinda Deby Eirma Maretha Diah Putri Pravita Sari Diah Putri Pravita Sari, Diah Putri Pravita Dul Candra Dwi March Trisnawaty Eko Fajar Cahyono, David Kaluge Elfira Rizki Rahmadhani Faishol Luthfi Faizurrahman, Umar Haidar Fitri Drasmawita Fitria Nurma Sari Fitriani Fitriani FITRIYAH, SAYYIDATUL Fuhairah, Muhammad Tiar Fuhairah Hafidhotul Amaliyah Hakimi, Fifi Hanesti, Elsi Mersilia Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Haryo Firas Tunas Kuncoro Hasan, Agus Suaidi Hasyim, Fuad Hidayat, Muhammad Rachmad Hilmy Zein Honesty Nur Firdaus Hosfaikoni Hadi, Nizar Ibnu Affan Iffa Amalia Iffa Amalia, Iffa Ihdina Sabilal Haq Imam Gracia Marshall Imron Mawardi Imronjana Syapriatama Inayah S. Ratih Inayah Swasti Ratih Inayah Swasti Ratih Indirwan, Syanisma Insani, Taqiyah Dinda Ira Humaira Hany Irham Zaki Irma Andriyaningtyas Jaenudin, M Khaled Nour Aldeen Khalwat Asyaria Khalwat Asyaria Khofidlotur Rofi’ah Khofidlotur Rofi’ah KHURUL AIMMATUL UMMAH Kurnia, Riana Aflika Eka Larasati, Pradipta Puspita Lestari Dwi Astuti Lestari, Nurrizka Puji Lina Aprilianti Luthfiyatillah Luthfiyatillah Luthfiyatillah, Luthfiyatillah Mamduh, Muhammad Faizul Masruhatul Abadiyah Masruhatul Abadiyah, Masruhatul Mauizhotul Hasanah Maya Masita Septiarini Mega Ayu Maharanie Mega Ayu Maharanie, Mega Ayu Melzatia, Haura Hazimah Meri Indri Hapsari, Meri Indri Miftahur Rahman Miftahurrahman, Miftahurrahman Millatina, Afifah Nur Millatina, Afifah Nur Millatina, Nur Afifah Misbahul Muniroh Muh Novriansyah Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhamad Wahyudi Muhamad Wahyudi, Muhamad Muhammad Adam Muhammad Alan Nur Muhammad Cholil Muhammad Nabil Muhammad Raihan Mauludin Muhammad sanusi Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al-Mustofa Muhammad Wicaksono Hasdyani Putra Mujahidah, Sitti Hamidah Mujahidah, Sitti Hamidah Mulyatiningsih Mulyatiningsih Mulyatiningsih, Mulyatiningsih Mumuh Muhammad Muthi Adillah Bahril Nabila Nabila Nafi’ah, Bariyyatin Naily Rohmah Najiatun Najiatun Najmudin Nida Laili Fitriyah Nida Laili Fitriyah Nisful Laila Novian Abdi Firdausi Novita Novita Novita Nugraha, Fajar Putra Nur Afifah Millatina Nur Liviasari Yulma Nur Puji Rohmawati Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nurillah, Shinta Lintang Nurrizka Puji, Lestari Nurul Farida Damayanti Nurul Farida Damayanti, Nurul Farida Nurul Huda Nurul Huda Nuzulul Atiah, Isti Pertiwi, Tanza Dona Pradipta Aditya Pradipta Aditya, Pradipta Pradipta Puspita Larasati Pradipta Puspita Larasati Prasetya, Renata Agung Prasetya, Renata Agung Pratita, Deftyan Hadi Puji Sucia Sukmaningrum Puspita Rachman Putra, Muhammad Wicaksono Hasdyani Putri Amalia Zahrah Putri, Aura Permata Rachma Indrarini Rachmania Nurul Fitri Amijaya Radatiya Chorul Achiroh Rani, Lina Nugraha Ratih, Inayah Swasti Rendra Akbar Rendra Akbar, Rendra Reza Ramadhan Riana Afliha Eka Kurnia Riana Afliha Eka Kurnia, Riana Afliha Eka Ridan Muhtadi Ririn Tri Ratnasari Risa Sari Pertiwi Risa Sari Pertiwi Risanda A. Risanda Alirastra Budiantoro Rizky Pratama Putra Rizky Pratama Putra Robani, Anidah Binti Rohmah Niah Musdiana, Rohmah Niah Romadhani, Karunia Rusanti, Ega Rusmita, Sylva Alif Ryan Rahmah Maulayati Ryan Rahmah Maulayati Samsul Arifin SAYYIDATUL FITRIYAH Sholikhin, Mohammad Yusron Sitti Hamidah Mujahidah Sofiaturrohmah, Siti Sofyan, Syathir Soleh, Nurah Badrus Sri Abidah Suryaningsih Sri Ningsih Sri Yayu Ninglasari Sudoto, Sudoto Sulistya Rusgianto Supriani, Indri Supriono Supriono Susanto, Arva Athallah Syaifullah Syarifuddin Syarifuddin Tamimah Tamimah Tamimah Tamimah Tamimah Tamimah Tamimah, Tamimah, Tamimah Tata Leni Lestari Tika Widiastuti Tjiptohadi Sawarjuwono UMMAH, KHURUL AIMMATUL Ummi Kulsum Ummi Muthi`ah Fathy, Ummi Muthi`ah Wahab, Abd. Wijayanti, Ida Yan Putra Timur Yayan Firmansah Zulfikri Charis Darmawan