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IMPLEMENTASI NILAI-NILAI SYARIAH DALAM PELAYANAN PEMBIAYAAN PERUMAHAN Kajian Fenomenologis pada BTN Syariah Solo : Kajian Fenomenologis pada BTN Syariah Solo Hisyam Mubarok; Agus Marimin; 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.v12i3.19678

This study aims to analyze the implementation of Sharia values in housing financing services at BTN Syariah Solo using a phenomenological approach. The research employed a qualitative, phenomenological design to understand the experiences and meanings constructed by customers and employees regarding Islamic housing financing services. Data were collected through in-depth interviews, observations, and documentation, and analyzed using Moustakas’ phenomenological framework, including epoche, horizontalization, clustering themes, textural description, and structural description. The findings reveal that the implementation of Sharia values is reflected in the use of Sharia-compliant contracts, supervision by the Sharia Supervisory Board (DPS), transparent information practices, and service practices grounded in honesty and justice. The phenomenological findings indicate that customers perceive Islamic housing financing not merely as a means of acquiring a house but also as a way to attain inner peace (tuma’ninah) and blessings in family life. However, limited Islamic financial literacy remains a challenge, as some customers still struggle to distinguish between profit margins and conventional interest. Furthermore, service digitalization has been perceived as an important factor in enhancing transparency, accountability, and customer trust in Islamic banking institutions. This study highlights that the success of Islamic service delivery is determined not only by compliance with Sharia regulations and contracts but also by the institution’s ability to provide spiritual, educational, and social benefits that customers genuinely experience.

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.

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.

Dana Pihak Ketiga dalam Pertumbuhan Aset dan Efisiensi, serta Tantangan Pengaruh Pembiayaan UMKM dan Manajemen Risiko pada BPRS di Indonesia Yudi Siyamto; 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.v12i1.18332

This study aims to analyze the effect of Third-Party Funds (TPF) and Micro, Small, and Medium Enterprises (MSME) financing on asset performance, fund intermediation efficiency, and financing risk of Islamic Rural Banks (BPRS) across Indonesian provinces during the 2020–2024 period. The research utilizes secondary data from the Islamic Banking Statistics published by the Financial Services Authority (OJK). Panel data regression analysis was conducted using Stata through three main models examining the determinants of assets, Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF). The findings reveal that TPF serves as the primary driver of asset growth in BPRS, while MSME financing positively and significantly enhances fund intermediation efficiency as reflected in the FDR. Conversely, neither TPF nor MSME financing significantly affect the NPF, suggesting the need to strengthen risk management and internal governance beyond the expansion of financing volume. These findings reinforce and extend the Islamic financial intermediation theory and provide practical policy insights to strengthen the strategic role of BPRS in advancing inclusive and sustainable Islamic microfinance.

ANALISIS PERAN SERTA PEMAHAMAN E-COMMERCE BAGI SUMBER DAYA MANUSIA DALAM MENGEMBANGKAN PERBANKAN BERBASIS SYARIAH DI INDONESIA Harry Wihartanto Sudewo; Sumadi; Sri Walyoto; Agus Marimin
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.v12i1.19119

Provides an illustration that related to the development of sharia banking requires active marketing based on information technology that is capable of introducing and expanding the network of sharia banking products in the community. Regulation of the Financial Services Authority of the Republic of Indonesia Number 11/POJK.03/2022 concerning the Implementation of Information Technology by Commercial Banks. Related to this, e-commerce or in the Indonesian dictionary means Electronic Commerce or e-commerce is all buying and selling activities or transactions carried out using electronic media (the internet). Even though telephones and television are included as electronic means, e-commerce now refers more to digital technology or the internet. This is a challenge in itself for sharia-based economic actors, especially sharia banking, in following developments in information technology that are in accordance with the basic principles of the sharia economy itself. As well as innovative human resources and knowledge of information technology that can be used in introducing and obtaining active marketing related to sharia-based banking products themselves.

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 Koperasi Syariah ‘BAROKAH” SMK Batik 2 Surakarta dalam Mensejahterakan Anggota Melalui Pemberian Pembiayaan Endwie Hidayat; Iin Emy Prastiwi; Sumadi
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.v12i2.19665

This study aims to analyze the role of the “Barokah” Sharia Cooperative at SMK Batik 2 Surakarta in improving the welfare of its members through financing, as well as to examine the impact of such financing on members’ economic conditions. This research employs a qualitative approach, with data collected through interviews and observations. The results indicate that the “Barokah” Sharia Cooperative operates based on sharia principles derived from the Qur’an and Hadith, ensuring that all activities comply with Islamic law and provide benefits to its members. Furthermore, the management of the cooperative by individuals with a strong understanding of Islamic economics plays a crucial role in enhancing members’ awareness of the benefits and advantages of sharia-based transactions. The financing provided has proven to help meet members’ financial needs and contribute to improving their welfare. Therefore, the “Barokah” Sharia Cooperative serves as an alternative financial institution aligned with sharia principles and supports the sustainable economic development of its members.

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