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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
The Influence of Digital Media, Halal Literacy, and Halal Culinary on Halal Tourism Interest among Gen-Z Muslims: Beach Case Study in Mataram. Supiani, Haerati; Dewi, Novi Yanti Sandra; Agustina, Ahadiah; Mukhlisin, Mukhlisin
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
Publisher : ITB AAS INDONESIA Surakarta

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 Penelitian ini bertujuan untuk menguji pengaruh media digital, literasi halal, dan kuliner halal terhadap minat wisata muslim Generasi Z di Mataram. Penelitian ini menggunakan pendekatan kuantitatif, melibatkan 89 responden muslim berusia 15-26 tahun yang dipilih melalui teknik simple random sampling. Data dikumpulkan melalui kuesioner yang berisi 20 pernyataan yang mengukur variabel media digital, literasi halal, kuliner halal, dan minat wisata halal, kemudian dianalisis menggunakan regresi berganda dengan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa media digital memiliki pengaruh signifikan dan positif sebesar 77,7% sehingga menjadi faktor dominan dalam meningkatkan minat wisata halal. Literasi halal juga memiliki pengaruh signifikan sebesar 17,7% untuk memperkuat kepercayaan konsumen terhadap destinasi halal. Sementara itu, kuliner halal tidak memiliki pengaruh signifikan sebesar 67%. Secara simultan, ketiga variabel tersebut memberikan kontribusi sebesar 65,8%. Implikasi dari penelitian ini menunjukkan bahwa para pembuat kebijakan dan pelaku industri wisata halal harus mengutamakan penguatan literasi halal dan optimalisasi media digital dalam mempromosikan destinasi halal. Strategi berbasis media sosial dan kolaborasi dengan influencer dapat menjadi langkah efektif untuk menarik perhatian wisatawan muslim Gen-Z. Penelitian lebih lanjut disarankan untuk mengeksplorasi faktor-faktor lain seperti kualitas layanan, aspek budaya, dan keamanan destinasi, serta melakukan analisis komparatif antar kelompok usia atau wilayah.
Analisis Penerapan Prinsip Syariah dan Dampak Terhadap Kinerja Keuangan UMKM Saifuddin, Saifuddin; Humairoh
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
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Perekonomian daerah, khususnya di Kabupaten Probolinggo, sangat didukung oleh keberadaan Usaha Mikro, Kecil, dan Menengah (UMKM). Selain meningkatkan pendapatan masyarakat, UMKM juga mendorong pertumbuhan ekonomi lokal. Meskipun diakui bahwa penerapan prinsip-prinsip syariah dalam UMKM dapat meningkatkan kepercayaan dan kepuasan konsumen, implementasinya masih menghadapi banyak tantangan. Penelitian ini bertujuan untuk mengkaji bagaimana penerapan prinsip-prinsip syariah memengaruhi kinerja UMKM di Pasar Wangkal, Kabupaten Probolinggo, serta mengidentifikasi hambatan yang dihadapi oleh para pelaku usaha dalam mengintegrasikan nilai-nilai syariah ke dalam operasional bisnis mereka. Data dikumpulkan melalui wawancara mendalam dengan pemilik UMKM yang dipilih secara purposive dan melalui observasi lapangan. Untuk memperoleh pemahaman yang lebih mendalam mengenai penerapan prinsip-prinsip syariah dalam usaha UMKM serta pengaruhnya terhadap stabilitas usaha, loyalitas pelanggan, dan efisiensi operasional, penelitian ini menggunakan metode studi kasus. Temuan penelitian menunjukkan bahwa penerapan prinsip syariah mendukung usaha UMKM dalam hal pertumbuhan penjualan, stabilitas keuntungan, dan kepuasan pelanggan. Usaha yang menerapkan nilai-nilai syariah seperti sertifikasi halal produk, transparansi transaksi, dan kejujuran dalam pelayanan memperoleh kepercayaan konsumen yang lebih besar dan menunjukkan kemampuan menjaga keberlanjutan usaha. Namun, tantangan seperti kurangnya pemahaman terhadap konsep bisnis syariah, terbatasnya akses terhadap pembiayaan berbasis syariah, dan dominasi praktik bisnis konvensional dalam persaingan pasar menjadi hambatan dalam penerapan prinsip syariah. Oleh karena itu, penelitian ini menekankan pentingnya integrasi prinsip-prinsip syariah dalam UMKM sebagai strategi untuk meningkatkan daya saing usaha sekaligus memperkuat perekonomian yang berbasis nilai-nilai Islam. Untuk dapat menerapkan praktik bisnis yang sesuai syariah secara sukses, para pelaku UMKM memerlukan dukungan dari berbagai pemangku kepentingan, termasuk pemerintah dan lembaga keuangan syariah.
Penerapan Smart Contract dalam Keuangan Syariah: Tinjauan Literatur tentang Integrasi Cryptocurrency dan Blockchain Gunawan, Didik
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
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The integration of smart contracts in Islamic finance represents a significant shift toward digital transformation, offering enhanced efficiency, transparency, and automation in financial transactions. This study aims to explore the potential and challenges of smart contract applications in Sharia-compliant finance, particularly in sectors such as Islamic banking, sukuk issuance, zakat management, and crowdfunding. Using a Systematic Literature Review (SLR) approach, this research analyzes academic publications and industry reports from 2014 to 2024 to assess the compatibility of smart contracts with Sharia principles. The findings reveal that while blockchain technology can improve transactional integrity and reduce costs, the compliance of cryptocurrencies with Islamic law remains a contentious issue, especially concerning gharar (uncertainty) and speculation. Furthermore, the absence of uniform global regulations and the risk of security vulnerabilities in smart contracts pose significant challenges. To facilitate adoption, this study recommends the development of standardized smart contract frameworks, the harmonization of regulatory policies, and the implementation of Sharia-compliant auditing mechanisms. The research concludes that, with appropriate legal frameworks and security measures, smart contracts have the potential to revolutionize Islamic finance and foster broader financial inclusion in the Muslim world.
Implementasi Akad Ba’I Al Muqayyadah Dalam Menigkatkan Kepercayaan Konsumen Pada Transaksi Tukar Tambah HP Bekas Moh. Fakhri Siddiqi; Saifuddin; Makkiyatul Umaroh
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
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This study discusses the implementation of the Bai' al-Muqayyadah contract in used cellphone exchange transactions at the Difa Cell Besuk counter. This contract is used to ensure that transactions run according to sharia principles, such as justice, honesty, and transparency, and avoid elements of usury and gharar. This study aims to analyze the mechanism for assessing cellphone conditions, the negotiation process, applicable laws, and the challenges faced in implementing this sharia contract. The approach used is qualitative with a case study method. Data were obtained through direct observation, interviews with related parties, and document analysis. The results of the study are expected to provide guidance for business actors and consumers in conducting used cellphone exchanges in an Islamic and economical manner, as well as contributing to Islamic economic literature related to the implementation of sharia contracts in daily transactions.
Persepsi Pelaku UMKM Kota Padang Terhadap Peer To Peer Finance Syariah Fitri, Radia; Nenengsih
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
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Financial teknologi (fintech) Peer to peer lending/ Finance syariah menjadikan salah satu yang dapat dimanfaatkan oleh pelaku UMKM dalam mendapatkan pembiayaan dan modal. Hal ini memberikan kemudahan kepada pelaku UMKM dalam persyaratan pinjaman dibandingkan perbankan syariah. Peer to peer lending yang sudah mendapatkan izin OJK sebanyak 98 platfom, sedangkan peer to peer finance syariah hanya 7 platform. Penelitian ini bertujuan untuk mengkaji  lebih dalam persepsi pelaku UMKM terhadap peer to peer finance syariah. Untuk mencapai tujuan penelitian ini menggunakan metode penelitian kualitatif. Data UMKM terdapat pada 5 kecamatan di kota Padang, diantaranya kecamatan Koto tangah, Kuranji, Pauh, Nanggalo dan Padang Timur. Dari hasil penelitian menunjukkan bahwa persepesi pelaku UMKM bepersepsi positif dalam pandangan manfaat penggunaan P2P finance syariah, sosial dan regulasi, Sedangkan persepsi terhadap pengetahun persepsi masyarakat negatif karena ketidak pahaman prosedur dan transaksi yang dilakukan. Persepsi pelaku UMKM terhadap kepercayaan pada P2P finance syariah masih netral dan ragu-ragu hal ini disebabkan ketidak pahaman pelaku UMKM dan belum pernah menggunakannya.
Implementasi Hybrid Contract Pada Perbankan Syariah di Indonesia (Perspektif Fiqih) Mukhtar Adinugroho; Zujajatul Ílmi; Reizano Amri Rasyid
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
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Hybrid Contract is part of the form of ijtihad which is built in order to develop functions and products in Shari'ah Banking, so that Shari'ah Banking can fulfill the needs of the current economic transactions of modern Muslim communities, so that there is a need for innovation in contract development shari'ah. The purpose of this paper is to find out the types of transactions that use Hybrid Contract especially in the Syari'ah Banking area, and analyzed from the standpoint of Islamic economic law (fiqh mu'amalah). The method used is a normative juridical method using data from primary and secondary legal sources, so that there is a match or difference in the theory and facts of economic transactions in Islamic Banking in Indonesia. The results of this study are that the permissibility of multi-contracts based on the principle of the original law of the contract is permissible and the law of multi-contracts is likened to the law of the contracts that build it, must pay attention to the religious provisions that limit it. This means that even though multi-contracts are permitted, there are limits that must not be violated, because these limits are signs for multi-contracts so that they do not fall into prohibited muamalah practices. The limits as explained in the previous section are the boundary lines for multi-contract practices that must not be crossed.
Penerapan Bauran Pemasaran Syariah Pada Produk KPR BTN Syariah Kantor Cabang Surabaya Sopyan Khoerudin; Saputro, Noven Lukito Hadi; Muhammad Fajrul Falah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
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The purpose of this study is to explore the application of Sharia marketing mix in the KPR (mortgage) BTN Syariah product in Surabaya. Utilizing a qualitative approach based on Grounded Theory, this research aims to develop a new theory regarding social interaction within the context of Sharia marketing. The findings indicate that the KPR BTN Syariah product, which is free from usury contracts, consists of two main categories: platinum and subsidy. Pricing is determined transparently, involving developers and the government, while avoiding hoarding and price manipulation practices. Promotion is carried out through various media and consumer education regarding the differences between Sharia and conventional mortgages. The transparent and professional service process, along with convincing physical evidence, contributes to consumer trust. The conclusion of this study emphasizes that KPR BTN Syariah not only adheres to Sharia principles but is also acceptable to a broader society, including non-Muslims, by upholding values of honesty, professionalism, and trustworthiness.
Dampak E-Commerce Tiktok Shop Terhadap Perilaku Konsumtif Mahasiswa Kalbar Berdasarkan Perspektif Ekonomi Islam Sabpira Ramatun; Anwari, Muhammad Khairul; Aiyub Anshori
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
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In the increasingly developing digital era, e-commerce has become a significant phenomenon in the world of commerce. One e-commerce platform that is increasingly popular is TikTok Shop, which offers various products to users through shopping features integrated into the TikTok application. This phenomenon also has an impact on the consumption behavior of students, who are a group that is active in using the platform. This type of research uses a quantitative approach by analyzing numerical data using statistical methods. The data collection technique is by distributing questionnaires to respondents (students) via Google Form with a Likert scale assessment. Population and Sample The population of this research is all students in West Kalimantan Province and a sample of 132 respondents. Variables This research uses seven research variables where the exogenous variables are lifestyle motives (MGH), motivational motives (MM), advertising and promotion motives (MIP), entertainment motives (MH), information motives (MI), and trust motives (MK). Meanwhile, the endogenous variable is consumer behavior (PK). The analysis data used uses the Partial Least Squares – Structural Equation Modeling (PLS-SEM) model. Based on the research results, entertainment motives (MH), advertising and promotion motives (MIP), motivational motives (MM) significantly influence consumer behavior (PK), however lifestyle motives (MGH), information motives (MI), trust motives (MK) do not have a significant influence on consumptive behavior (PK) in the impact of Tiktok shop e-commerce.
Suitability of Crowdfunding in Islamic Social Finance from the Perspective of Maqasid Sharia Santoso, Ivan Rahmat
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
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This study aims to analyze the suitability of the application of Islamic crowdfunding to Islamic social finance based on the perspective of sharia maqasid. Content analysis methods with deductive and inductive approaches are used to find practical relevance. The results of the study show that Islamic crowdfunding contributes significantly to the maintenance of religion by strengthening the practice of Islamic philanthropy that is more transparent and efficient. In terms of soul maintenance, this platform helps people in need in terms of health, education, and welfare. Islamic crowdfunding also supports the maintenance of reason by facilitating funding for Islamic-based education and innovation. From the perspective of child rearing, this mechanism plays a role in reducing economic and social disparities that can have an impact on family welfare. Finally, in the aspect of property preservation, Islamic crowdfunding ensures a more equitable distribution of wealth and increases the accessibility of funding for micro enterprises and social activities. These findings confirm that Islamic crowdfunding is not only in line with sharia maqasid, but also has the potential to become a more inclusive and sustainable social finance model.
the Persepsi Internal Masyarakat Muslim Kalimantan Barat Terhadap Minat Bertransaksi Cryptocurrency Dalam Perspektif Bisnis Syariah : Internal Perception of West Kalimantan Muslim Society Towards Interest in Cryptocurrency Transactions from a Sharia Business Perspective Akbar Ramadan, Jordan; M. Khairul Anwari; Dedy Susanto
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025
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Abstract

Penelitian ini menganalisis pengaruh pengetahuan agama, literasi keuangan, sikap pribadi, faktor biologis, dan pengalaman pribadi terhadap minat umat Islam Kalimantan Barat dalam bertransaksi mata uang kripto. Fenomena ini relevan mengingat semakin populernya mata uang kripto di Indonesia, meskipun adopsinya terhambat oleh regulasi yang ketat dan persepsi kehalalan yang terkait dengan unsur gharar, maysir, dan riba. Dengan menggunakan metode survei kuantitatif dan pengambilan sampel secara aksidental, data dari 70 responden menunjukkan bahwa pengetahuan agama merupakan faktor dominan (koefisien jalur 0,450), diikuti oleh sikap pribadi (0,375), literasi keuangan (0,369), faktor biologis (0,300), dan pengalaman pribadi (0,175). Pengetahuan agama yang terkait dengan prinsip syariah sangat mempengaruhi keputusan bertransaksi, sedangkan literasi keuangan dan sikap terhadap inovasi teknologi memperkuat kepercayaan terhadap mata uang kripto. Penelitian ini memberikan kontribusi baru dengan mengontekstualisasikan mata uang kripto dalam perspektif syariah di Kalimantan Barat dan merekomendasikan pengembangan literasi keuangan berbasis syariah untuk mendukung adopsi teknologi keuangan yang lebih inklusif dan Islami.

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