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Jurnal Ilmiah Ekonomi Islam
Published by STIE AAS Surakarta
ISSN : 24776157     EISSN : 25796534     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Jurnal Ilmiah Ekonomi Islam diterbitkan 3 (tiga) kali setahun (Maret, Juli dan November) oleh Lembaga Penelitian dan Pengabdian Kepada Masyarakat STIE AAS Surakarta.
Arjuna Subject : -
Articles 170 Documents
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Search results for , issue "Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023" : 170 Documents clear
Determinan Kurangnya Minat Menabung di Bank Syariah Deni Purwati
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10028

Abstract

This study aims to identify and analyze the factors that influence the lack of interest in saving at Islamic banks. This research is a type of qualitative research, by taking informants from the research area, namely Pemalang Regency. The data in this study are primary data and data collection techniques by conducting interviews, documentation and observation. The research was conducted by gathering information regarding the factors that influence the lack of interest in saving at Islamic banks. Triangulation techniques were also carried out to ensure data validity. The results of the study found the causes of the lack of public interest in saving in Islamic banks, namely consideration of the benefits obtained, salaries received through conventional banks, lack of marketing strategies carried out by Islamic banks, lack of understanding of Sharia, the influence of culture and habits, convenience, closure of one of the Islamic banks, dubious sharia compliance implemented by Islamic banks and lack of security. The results of this study are expected to contribute to Islamic banks in Indonesia in formulating their marketing strategies to attract public attention to saving at Islamic banks so as to increase the market share of Islamic banks in the future.
Persepsi Pelaku UMKM Terhadap Kepemilikan Sertifikasi Halal Untuk Meningkatkan Daya Saing Produk UMKM Madura Nor Qomariyah
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9314

Abstract

Halal certification will increase the competitiveness of micro small business (UMKM ) products, especially food and beverages, moreover there is a policy from related agencies that all food and beverage products must be halal certified. This study aims to determine the perceptions of halal certification in micro small business actors in the food and beverage sector in Bangkalan and Pamekasan Regencies and what are the factors that influence perceptions of these micro small business actors. The analytical method used in this study is a quantitative descriptive method using a Likert scale. The results of the study show that the average perceived value of UMKM actors ranges from 3.81 to 4.75, which is in the good category. While the factors that influence the perception of UMKM actors are awareness of the importance of halal certification by 55 percent, an increase in product quality which will affect price increases, the desire to increase the competitiveness of their products by 74 percent, the availability of adequate input sources by 51 percent of respondents. willing to provide halal input sources, and have consumers who are aware of the importance of halal products as much as 89 percent considering that the people of Bangkalan and Pameksan are predominantly Muslim.
Penerapan Akad Musyarakah Mutanaqisah Pada Perumahan Syariah Aster Village Ciwastra Menggunakan Produk Pembiayaan Kredit Bank Syariah Indonesia Sofyan Mei Utama; Diana Farid; Muhammad Husni Abdulah Pakarti; Kemal Al Kautsar Mabruri; Hilma Fanniar Rohman
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

House sale and purchase transactions in the context of sharia have become a major concern in the development of Islamic economic models that are based on the principles of justice, equality, and compliance with Islamic law. One of the contracts proposed to fulfill these principles is the Musyarakah Mutanaqisah Agreement. This study aims to analyze the application of the Musyarakah Mutanaqisah Agreement on home ownership loans in aster village Islamic housing where the implementation of credit is carried out through a Bank mechanism in this case Bank Syariah Indonesia (BSI). The research method used is a qualitative approach with a case study approach. Data were obtained through interviews with related parties, analysis of transaction-related documents, and review of related literature. The results showed that the implementation of the Musyarakah Mutanaqisah contract in BSI Griya Hasanah financing has two contracts in it (hybrid contract). The first is that banks and customers cooperate (syirkah / musyarakah) to buy an asset, so the musyarakah contract in BSI Griya Hasanah financing is only limited to cooperation in the ownership of an asset. The second is ijarah. The asset that becomes the object of financing is leased (ijarah) to the customer with a rental payment which is assumed to be a profit that will be divided between the bank and the customer according to a predetermined ratio. The profit sharing obtained by the bank will be considered as profit for the bank. Meanwhile, the profit sharing received by the customer is diverted to buy the bank's hishah portion. Not only is there more than one contract, in this BSI Griya Hasanah financing scheme there are also two agreement contracts. The first agreement contract contains the Musyarakah Mutanaqisah contract itself, and the second agreement contract contains ijarah.
Faktor yang Mempengaruhi Keputusan Wakaf : Systematic Literature Review Ari Setiawan; Wahyudin Wahyudin
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9948

Abstract

This study examines the key factors that determine waqf decisions. The author performed a thorough examination of 21 publications released between 2019 and 2023, which were indexed by Scopus and sinta.kemdikbud.go.id. The objective of this analysis is to discern the factors that influence waqf decisions in the current body of literature. Prior to completing an extensive examination of the literature review to provide evidence for future research, data is gathered, examined, and assessed. Research findings indicate that multiple elements have been found to exert influence on waqf decisions. The factors encompassed in this list are age, education level, religiosity, attitudes, subjective norms, knowledge, understanding, income, performance expectations, business expectations, crowdfunding platform facilities, social incentives, experience, trust in waqf organisations, and waqif views. The decision was not influenced by the following factors: knowledge, employment, education, information medium, distance to the location of the waqf institution, faith in the waqf institution, fundraising approach, and social influence. Subsequent research endeavours should focus on investigating the determinants that impact waqf in order to enhance the level of waqf acceptability. This study has the potential to have substantial social ramifications for multiple parties engaged in waqf, including waqf institutions, waqifs, and waqf recipients.
Prinsip Manajemen Pembiayaan Lembaga Non Bank Syariah (Studi Kasus KSPPS BMT Khoiru Ummah Jawa Timur) Agustin Mila Arlina; Muhammad Yazid; Ahmad Agus Hidayat
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9712

Abstract

Islamic financial institutions are divided into two main categories: Islamic banking institutions and non-banking Islamic financial institutions. One common form of Islamic financial institution found in society is the Shariah-based Savings and Loans Cooperative, which is a microfinance institution. Shariah-based financing involves the provision of funds or receivables based on a contract or agreement between the Savings and Loans Cooperative and another party, obligating the financed party to repay the funds or receivables after a specified agreed-upon period. Regarding financing, the Shariah-based Savings and Loans Cooperative requires financial analysis to ensure that cooperative members are capable of repaying the received financing. When applying for financing at the BMT Khoiru Ummah Savings and Loans Cooperative in East Java, applicants must go through several stages in accordance with the procedures established by the BMT Khoiru Ummah Savings and Loans Cooperative. Firstly, the applicant is required to become a member by opening an account at the BMT Khoiru Ummah Savings and Loans Cooperative. Then, they follow the financing procedure, which includes submitting a financing application, undergoing administrative selection and fulfilling document requirements, undergoing a survey process, evaluation by the committee, purchasing the desired goods, entering into a contractual agreement, delivering the goods or funds, and finally making installment payments and full repayment by the members.
Sikap Keuangan Dan Pengetahuan Keuangan Terhadap Kemampuan Keuangan: Peran Perilaku Keuangan Pada Sektor Usaha Produk Halal Desta Rizky Kusuma; Muhammad Ali Fikri; Ulinnuha Yudiansa Putra
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9044

Abstract

Financial literacy is one of the important aspects for organizations to be able to manage their financial resources optimally. This study aims to determine the effect of financial attitude, financial knowledge, and financial inclusion on financial ability with financial behavior as a mediating variable. This study used a sample of 180 from Micro, Small and Medium Enterprises (MSMEs) in the halal product business sector. The data processing technique used in this study is the structural model equation technique using the Smart PLS 3.0 software. The results showed that financial attitude has a positive effect on financial behavior, financial knowledge has a positive effect on financial behavior, financial behavior does not have a positive effect on financial capability, financial attitude does not have a positive effect on financial capability, financial knowledge does not have a positive effect on financial capability, financial behavior does not mediate the positive effect of financial attitude on financial capability, financial behavior does not mediate on the positive effect of financial knowledge on financial capability.
Strategi Implementasi Kebijakan Terhadap Tata Kelola Aset Syariah Tetap Pada Lembaga Badan Riset dan Inovasi Nasional (BRIN) di Jakarta Ari Gunawan; Andriyani Andriyani
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.11422

Abstract

This study aims to be mode orderly in administration, orderly in securing fixed assets, to get to the best opinion with no records of audit findings from external parties, namely the BPK. This research uses a qualitative method with a case study approach that occurred at ex-BPPT institutions in 2019 and 2020. This qualitative research methods uses primary data obtained from interviews, observation, documentation and secondary data obtained from documents. The results of the research are the findings from the BPK regarding the management of fixed assets in the ex-BPPT institutions had not been effective due to limited Human Resources in managing fixed assets or State Property. Implementation support with a commitment from the top leadership of the Head of BRIN as outlined in the form of policies and implementation guidelines. Lack of officers managing state property, lack of coordination internally and externally, training and outreach need to be increased, policy outreach, system improvements and the absence of standard operating procedures (SOP), and if necessary rewards for officers managing assets or state property.
The Influence of Internal Marketing on Job Satisfaction with Employee Engagement as a Mediator (Survei of Bank Syariah Indonesia Employees in Ternate) Sulfi Abdul Haji; Muhammad Thahrim Imam; Ika Wulandari Ridwan
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.13227

Abstract

The abstract is written in English. It should contain the primary issues of study, the Understanding the elements influencing employee performance is critical since it can determine organizational success. In other words, whether or not employees perform well will significantly impact the organization's future production and profitability. This study aims to see how internal marketing affects Job satisfaction by using employee engagement as a moderating variable. Employees of Bank Syariah Indonesia in Ternate are the research subjects. This study is quantitative. Validity and reliability tests should be performed on the research instrument. Descriptive statistical analysis, SEM (Structural Equation Model), and PLS (Partial et al.) analysis were used to analyze the data. According to the study's findings, internal marketing has no positive or substantial effect on job satisfaction. Internal marketing has a significant and beneficial impact on employee engagement. Employee involvement has a significant and positive impact on job satisfaction. Employee engagement serves as a bridge between internal marketing and Job satisfaction.
Dampak Pengangguran, Pertumbuhan Ekonomi dan IPM Terhadap Tingkat Kemiskinan di Provinsi Sulawesi Selatan Dalam Kacamata Ekonomi Islam (Periode 2018-2022) Riska Prasasti
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10707

Abstract

Unemployment, economic growth, and the Human Development Index are indicators of the region's economic strength, including poverty rates in South Sulawesi. The purpose of this study is to investigate the impact of unemployment rate on poverty rate, the impact of economic growth on poverty rate, and the impact of the Human Development Index (HDI) on poverty rate. The study uses panel data for the period 2018-2022 and uses a quantitative approach processed using reviews. The results of this study show that unemployment rate has no significant impact on poverty rate and economic growth has no significant impact on poverty, but Human Development Index (HDI) has significant impact on poverty in South Sulawesi.
Pengaruh Pengetahuan Produk Terhadap Minat Menabung di Bank Syariah Indonesia (BSI) Hendra Novian; Muhamad Wardany Anwar; Fauzi Fauzi; Rita Irviani
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.11358

Abstract

Public interest in saving is the most basic thing for banks because it can help grow the success of banks, while customer knowledge about savings products will be a factor that influences customer interest in saving. The lack of socialization to the public or customers in introducing Islamic bank products, especially savings products, causes the public or customers to understand less about existing savings products. The purpose of this research is to determine the extent of the influence of product knowledge on interest in saving at Bank Syariah Indonesia (BSI) Kalirejo Central Lampung Cash Office in 2022. This type of research is a descriptive research type and uses a quantitative approach method with the population, namely customers who save at Bank Syariah Indonesia (BSI) Kalirejo Central Lampung Cash Office. This research is a study that uses descriptive research and quantitative approach methods with the population, namely customers who save at Bank Syariah Indonesia (BSI) Kalirejo Cash Office, Central Lampung. The sampling technique used Probability Sampling technique with Simple Random Sampling method with Slovin formula as many as 99 customers. Data collection techniques using questionnaires (questionnaires), observation, interviews and documentation. Based on the results of the study, it can be concluded that the influence of knowledge of each type of savings product has a positive effect on interest in saving at Bank Syariah Indonesia (BSI) Kalirejo Cash Office, Central Lampung. This is evidenced by the results of the joint test (T-test), namely the acquisition of a significant value of 0.000

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