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Jurnal Ilmiah Ekonomi Islam
Published by STIE AAS Surakarta
ISSN : 24776157     EISSN : 25796534     DOI : -
Core Subject : Economy, Social,
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 2,319 Documents
Analisis Literasi Keuangan Syariah: Studi Kasus Pegadaian Syariah Di Kabupaten Bogor Zaman, Ainun Qomaruz; Widana, Oka
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14884

Abstract

The purpose of this study is to examine Islamic financial literacy among Pegadaian Syariah employees in Bogor and highlight the important role of adequate knowledge in implementing Islamic financial principles.. The findings suggest that while employees generally possess a solid understanding of fundamental Islamic financial literacy concepts—such as definitions, principles, and Sharia-compliant products—challenges remain in practice. These challenges include insufficient training and limited access to informational resources. Moreover, awareness of the importance of Islamic financial literacy in enhancing service quality and customer satisfaction is still lacking. The study recommends improving training programs and providing more comprehensive informational resources to help employees deliver services that better align with Sharia principles. In conclusion, this research emphasizes the need to enhance both the understanding and application of Islamic financial literacy among employees to support the growth of Pegadaian Syariah and build greater public trust in Islamic financial products.
Optimalisasi Program Simpanan Berhadiah Dalam Upaya Meningkatkan DPK Pada BSI KCP Rembang Sudirman Maulida, Lutfiana; Qoes Atieq, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14889

Abstract

Based on data from BSI's annual report, BSI's total deposits from 2021 continue to increase. However, BSI still faces challenges in increasing its deposits to strengthen its liquidity.. The purpose of this research is to find out how the strategy of optimizing the prize savings program and its impact on increasing DPK. The method used is qualitative method. The population used is BSI employees, while the sample used is BSI employees and taken using purposive sampling technique. The data source used is primary data from informants through interviews. The results showed that efforts to optimize the prize savings program at BSI KCP Rembang Sudirman were carried out by segmentation, promotion, and continuous offering, and visiting customers' homes for offers. The results of this optimization have had a positive effect on the increase in DPK since the beginning of 2024 so that the BSI KCP Rembang Sudirman rating is quite good because of consistent daily achievements. In addition to increasing DPK, optimizing this program can increase the number of new customers because it provides benefits to customers. The recommendation of this research is that Bank Syariah Indonesia must increase innovation through programs that can provide more value or benefits to customers.
The Effect of Maqashid Syariah toward Human Development Index: Evidence from Indonesia Haraki, Emil; Widuri, Citra; Jaenudin, M; Nadofah, Nadofah
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14892

Abstract

Indonesia's level of social welfare as represented using the Human Development Index is always below the world average, and until now there has been no proper handling to make Indonesia's HDI score above the world's average HDI score. This study aims to see the effect of each point of Maqashid Syariah on the increase and decrease in Indonesia's HDI. The data used is secondary data from the world bank, Transparency International, and BPS. The data was taken over 10 years, starting from 2011 – 2020. The method used to see the effect was a multiple regression model, and carried out several classical assumption tests, such as tests for normality, serial correlation, variance inflation factors and heteroscedasticity. The results of this study are that at each point of Maqashid Syariah there is Zakat in faith (diin), Poverty Rate in Human Life (Nafs), Literacy rate in Intellect ('Aql), Mortality rate in Posterity (Nasl), and Employment in Wealth (Maal), that has an influence on HDI and Corruption Perception Index (diin), Life Expectancy (Nafs), Education Spending Rate (‘Aql), Birth Rate (Nasl), and GDP Per Capita has not influence on HDI (Maal).
Implementasi Nilai Moderasi Dalam Praktek Pembangunan Wisata Religi “Batu Ampar” Di Pamekasan Maufiroh, Salamatul; Al Humaidy, Mohammad Ali; Harisah, Harisah
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14926

Abstract

Wisata Religi Batu Ampar yang terletak di Desa Pangbatok Kecamatan Proppo, Kabupaten Pamekasan merupkan salah satu tempat bersejarah penting bagi masyarakat Batu Ampar karena menjadi jejak penyeberangan agama islam di Madura yang mana wisata tersebut berkaitan dengan adanya wisata halal dalam ekonomi syariah,selain itu masyarakat Desa Proppo banyak melakukan kegiatan ekonomi seperti berdagang ditempat wisata religi. Metode penelitian yang dilakukan yaitu menggunakan metode Kualitatif bersifat wawancara dan observasi. Wisata religi batu ampar yang di kelola oleh masyarakat Pamekasan merupakan salah satu tempat wisata religi yang didalamnya dikunjungi oleh para wisatawan untuk berziarah, wisata ini merupakan wisata yang memiliki keunikan yang berbeda dengan wisata religi pada umumnya, yaitu para wisatawan yang hadir dalam wisata tersebut tidak harus dari kalangan umat islam, bahkan wisata religi batu ampar dapat dikunjungi oleh umat beragama lain. Sehingga dalam tempat wisata religi ini tidak menjadikan suatu perbedaan terhadap kalangan umat muslim dan kalangan umat yang beragama non muslim, sehingga dari hal tersebut akan tercipta sikap kerukunan, toleransi,saling menghargai dan menerima perbedaan sesuai dengan moderasi beragama.
Analisis Faktor Keputusan Pembelian Sunscreen Azarine: Religiusitas Sebagai Moderator Mulyani, Sri; Andni, Riyan
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14940

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh label halal, kesadaran merek, dan kredibilitas merek terhadap keputusan pembelian sunscreen Azarine, dengan religiusitas sebagai variabel moderasi. Meskipun berbagai faktor telah diteliti untuk mempengaruhi keputusan pembelian, belum ada penelitian yang secara komprehensif mengidentifikasi variabel mana yang paling dominan dalam konteks spesifik, khususnya dalam industri perawatan kulit di Indonesia. Penelitian ini menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan pendekatan Two-Stage Approach. Hasil penelitian menunjukkan bahwa kesadaran merek memiliki pengaruh yang kuat terhadap keputusan pembelian, sedangkan label halal dan kredibilitas merek tidak menunjukkan pengaruh signifikan. Selain itu, religiusitas berpengaruh kuat terhadap keputusan pembelian, namun tidak mampu memoderasi hubungan antara label halal, kesadaran merek, dan kredibilitas merek dengan keputusan pembelian. Temuan ini memberikan wawasan mendalam mengenai perilaku konsumen dan implikasinya dalam strategi pemasaran produk perawatan kulit di pasar yang semakin kompetitif.
Faktor-faktor Loyalitas Generasi Z terhadap Mobile Banking yang dilengkapi Kecerdasan Buatan : Bank Syariah di Indonesia Lestari, Fitri; Indarta, Ahmad
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14954

Abstract

Abstract Islamic banks must be able to compete in the digital era along with technological advances in the financial industry. Islamic banks that are relatively new are often considered less popular and less experienced, hence they must take note of the growth and expansion of customer loyalty, especially in mobile banking services equipped with assistive intelligence (AI) to achieve competitive advantage. The aim of this research was to identify the elements that motivate Generation Z’s allegiance to AI-powered Islamic mobile banking. Generation Z residents of Surakarta made up the study’s population. Sampling used purposive sampling with 100 respondents. The approach used was quantitative and analyzed using IMB SPSS version 2023. The results of the study showed that service quality, trust, and satisfaction were determining factors for the loyalty of generation Z to Islamic mobile banking equipped with artificial intelligence (AI). Meanwhile, customer loyalty to Islamic mobile banking among Generation Z was not significantly impacted by religiosity. With this study, it is hoped that Islamic banks can increase customer loyalty by developing the determining factors for customer loyalty. Keywords : Customer loyalty, service quality, trust, satisfaction, religiosity
Analisis Strategi Peningkatan Pengumpulan Zakat Pertanian: Di BAZNAS Kabupaten Serdang Bedagai Humaira, Hilma; Widana, Gusti Oka
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14975

Abstract

This study aims to evaluate strategies for enhancing agricultural zakat collection in Serdang Bedagai Regency using the Business Model Canvas (BMC) approach and SWOT Analysis. The research focuses on the National Amil Zakat Agency (BAZNAS) of Serdang Bedagai Regency, which is tasked with managing and optimizing zakat collection. A descriptive qualitative method was employed, gathering data through in-depth interviews with BAZNAS personnel and direct observations of zakat collection practices. The findings indicate that the application of BMC enables BAZNAS to develop more innovative and efficient business models, thereby improving zakat collection, particularly for agricultural zakat. SWOT Analysis further highlights internal strengths and weaknesses, along with external opportunities and threats that BAZNAS faces in its zakat collection efforts. The study identifies several critical success factors, including active community participation, ongoing education, and strategic partnerships with various stakeholders. This research offers structured and practical recommendations for BAZNAS Serdang Bedagai to optimize agricultural zakat collection. The effective implementation of these strategies is expected to enhance the welfare of farmers and the wider community in Serdang Bedagai Regency through improved zakat management.
The Impact Of Religiosity And Service Quality On The Saving Decisions Of Tabaru’ Account Holders At KSPPS BMT Peta Malang Branch With Interest As A Mediating Variable Masriyah, Siti
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14994

Abstract

This study aims to determine the impact of religiosity and service quality on the saving decisions of tabaru' account holders at KSPPS BMT PETA Malang Branch, with interest serving as a mediating variable. The research employs a quantitative approach. The population in this study comprises tabaru' account holders. Sampling was conducted using purposive sampling. Data for this study were collected using primary data from questionnaires. The analysis method employed is path analysis using SmartPLS 4. The results of this study indicate that religiosity and service quality variables have a significant impact on saving decisions. Additionally, religiosity and service quality have a significant impact on interest, and interest has a significant impact on saving decisions. Furthermore, interest can mediate the relationship between religiosity and service quality with saving decisions. This study demonstrates that religiosity and service quality significantly affect saving decisions through interest as a mediating variable.
Non fungible Token (NFT): Sharia And Accounting Perspectives Rindika, Santika Maya
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15013

Abstract

Non-Fungible Tokens (NFTs) are digital assets within blockchain networks that present potential as alternative digital investments. Their use extends beyond conventional e-commerce, influencing financial reporting practices. However, NFT transactions involving cryptocurrency are controversial as the Indonesian Ulema Council (MUI) has prohibited their use. This study, through a review of literature and practical experience in NFT e-commerce, examines NFT transactions from both Islamic jurisprudence and financial accounting perspectives. Within the Islamic framework, NFTs can be considered intellectual property rights, compliant with Islamic principles. However, transactions involving cryptocurrency may be invalid due to prohibitions. From an accounting standpoint, NFTs are classified as intangible assets with their value based on procurement and utilization methods. Additionally, NFT creators or sellers follow revenue recognition principles. This dual perspective provides insights into the complex interplay between Islamic legality and financial accounting in NFT transactions. The study concludes that NFTs, as digital assets, are generally halal. However, Muslim entities should carefully assess whether their transactions involve cryptocurrencies. Given the growing popularity and diversity of digital assets, including NFTs, further research into their accounting treatment in practical scenarios is recommended to expand on these conceptual findings.
Realisasi Maqashid Syariah pada Lembaga Filantropi Islam (Pengentasan Kemiskinan melalui BUMMas: Asset Based Community Development Approach) Kusmilawaty, Kusmilawaty; Majid, M Shabri Abd; Harahap, Isnaini
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15022

Abstract

The article aims to know how the mechanism of BUMMas establishments as poverty alleviation efforts with Asset Based Community Development Approach for the realitation of maqashid syariah in Islamic filantrophy institution. The research run by descriptive studies with qualitative analysis. Source of data this research from interview with Rumah Zakat and BUMMas Managements in Sumatera Utara, observation, and documentation studies. The result of study show that The mechanism for establishing BUMMas carried out by Islamic philanthropic institutions as an effort to eradicate poverty using an Asset Based Community Development approach is as follows: Rumah Zakat observes the resources and potential of the village. Human Capital is identified based on skills, expertise and educational background. Social capital is identified based on the closeness of relationships, networks, communities, and also prevailing habits or customs. Physical capital is identified based on existing infrastructure. Financial capital is identified based on the standard of living or income of potential beneficiaries. And environmental capital is identified based on the location where the Beneficiaries live; Rumah Zakat provides various business provisions and training to BUMMas. Also collaborates with the government through related agencies for business development. Rumah Zakat carries out guidance and monitoring of BUMMas by recruiting Inspiration Volunteers from community leaders on a regular and scheduled basis. With the success of BUMMas, the concept of maqashid sharia can be realized from all aspects, especially the economy. Hifz al-din (guarding religion), hifz al-nafs (guarding the soul), hifz al-maal (guarding wealth), hifz al-nasl (guarding descendants), and hifz al-aql (guarding reason).

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