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Journal : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah

Determinan Pembiayaan Bermasalah Produk Akad Murabahah pada Bank Umum Syariah di Indonesia Dedi Mardianto
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 2 (2025): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i2.2209

Abstract

This research was conducted to analyze the factors that influence the problematic financing of murabaha contract products at Islamic commercial banks in 2017-2021 with research samples of Islamic commercial banks in Islamic banking statistics published by the Financial Services Authority (OJK) and analyzed using multiple linear regression. The results of the analysis obtained a significant negative effect of murabahah financing and interest rates on problematic financing of murabahah contract products. Meanwhile, capital adequacy has a negative but not significant effect on financing problematic murabahah contract products at Islamic commercial banks in Indonesia from 2017 to 2021. So that additional capital is carried out by banks, it does not allow for a decrease in problematic financing of murabahah contract products at Islamic commercial banks.
Konsumsi dalam Metafora Maqāṣid Al-Syarī‘ah Dedi Mardianto; Irwan Misbach
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 2 (2025): Mei : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i2.2389

Abstract

This study discusses the phenomenon of increasing consumptive behavior among Muslim communities due to the influence of social media, technology, and e-commerce. This behavior is considered contrary to Islamic teachings that emphasize balance, simplicity, and social responsibility. Therefore, this research aims to formulate the concept of Islamic consumption that not only fulfills physical needs, but also considers spiritual values, ethics, and social justice. Using a qualitative approach through literature study, this research examines consumption principles in Islam such as halal-thayyib, maqāṣid al-syarī'ah, and ethical rationality as an alternative to conventional consumption that is materialistic. The results show that consumption in Islam is part of worship that includes spiritual, social, and environmental dimensions. Islamic consumption encourages frugal, selective, and responsible behavior, and strengthens social solidarity through zakat and alms. This research produces an integrated Islamic consumption framework that can serve as a guideline for Muslim consumers, policy makers, and da'wah institutions in building a more ethical, sustainable, and Islamic-compliant consumption lifestyle in the modern era.