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INDONESIA
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 2,319 Documents
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A Working Wife: An Islamic Economic Perspective on Women’s Economic Participation in Household and Workforce Fitria, Tira Nur
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i03.17112

Abstract

This research explores and analyzes the role of working wives in Indonesia from an Islamic economic perspective, focusing on their dual economic participation in both the household and the workplace. This research employs a library research design that relies on the collection and analysis of existing data and literature. Islamic teachings emphasize women's essential roles in both family and society, encouraging their participation in education, business, and public life within ethical boundaries. Historically, Islamic law granted women rights such as property ownership and financial independence, as seen in the example of Khadijah, the Prophet Muhammad’s wife. However, patriarchal cultural practices have often limited these rights. Despite this, Islamic economics supports women's economic engagement through principles like adl (justice), maslahah (public welfare), and Khilafah (stewardship), promoting equality and shared responsibility in managing resources. Women in Muslim societies face challenges such as societal norms that prioritize domestic roles, and limiting access to education, employment, and leadership positions. Balancing work and home responsibilities creates a "double burden," compounded by a lack of supportive workplace policies and gender biases in male-dominated industries. To overcome these barriers, comprehensive legal reforms and inclusive policies are necessary. Islamic economic principles offer a framework for women’s empowerment, promoting their involvement in the workforce and entrepreneurship through policies ensuring equal access to education, fair wages, and opportunities. Islamic teachings also support women’s rights to property, inheritance, and financial independence, fostering an inclusive society. These principles guide policies that ensure justice and equity, addressing gender disparities and enabling women to contribute to societal and economic development. In Indonesia, women contribute significantly to household economies through activities like managing finances and running small businesses. In the workforce, women are increasingly active in diverse sectors, though challenges like gender pay gaps and limited leadership representation persist. Islamic economic values guide efforts toward fairness and inclusivity, with organizations supporting women's empowerment through education, microfinance, and vocational training. Holistic empowerment, combining economic, educational, and social well-being, allows women to contribute meaningfully to both family and society. Promoting women’s economic participation in both the household and workforce involves efforts to enable women to actively engage in economic activities in two main areas: the household and the formal workforce. In the household, women contribute by managing finances, caregiving, child-rearing, and running home-based businesses. These contributions should be recognized and supported with resources and opportunities to manage household roles efficiently. In the workforce, women must have equal access to job opportunities, leadership roles, entrepreneurship, and fair wages, requiring the elimination of barriers like gender discrimination, unequal pay, and limited access to leadership positions.
PENGARUH AUGMENTED REALITY TERHADAP MINAT BELI LIPSTIK MAYBELLINE: DIMEDIASI SIKAP KONSUMEN DALAM PERSPEKTIF PEMASARAN SYARIAH Nurliana, Rena; Muhammad Kurniawan; Is Susanto
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 02 (2025): JIEI : Vol. 11, No. 02, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan teknologi augmented reality melalui fitur virtual try-on terhadap minat beli produk kosmetik Maybelline di Shopee Mall, dengan sikap konsumen sebagai variabel mediasi. Selain itu, studi ini juga mengeksplorasi bagaimana prinsip pemasaran syariah berperan dalam proses pengambilan keputusan pembelian melalui teknologi tersebut. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Partial Least Squares – Structural Equation Modeling (PLS-SEM), melibatkan 100 responden perempuan di Bandar Lampung yang telah menggunakan fitur virtual try-on Shopee Mall. Data dikumpulkan melalui kuesioner online dengan teknik purposive sampling. Hasil penelitian menunjukkan bahwa augmented reality berpengaruh signifikan terhadap sikap konsumen dan minat beli. Sikap konsumen terbukti memediasi hubungan antara augmented reality dan minat beli, di mana semakin positif sikap konsumen terhadap teknologi ini, semakin tinggi kemungkinan mereka melakukan pembelian. Dari perspektif pemasaran syariah, teknologi ini dinilai mampu meningkatkan transparansi produk, namun masih diperlukan penguatan aspek kepercayaan agar konsumen lebih yakin dalam mengambil keputusan. Temuan ini memberikan kontribusi teoritis dalam memahami peran augmented reality dalam pemasaran digital dan integrasinya dengan nilai-nilai syariah. Secara praktis, hasil penelitian ini dapat menjadi referensi bagi perusahaan, pengembang teknologi, dan regulator dalam mengoptimalkan fitur virtual try-on agar lebih transparan dan efektif dalam mendorong minat beli konsumen.
PENGARUH DAYA TARIK IKLAN DAN INFLUENCER MARKETINGTERHADAP KEPUTUSAN PEMBELIAN PRODUK BUSANA MUSLIM BUTTONSCARVES DENGAN ONLINE CUSTOMER REVIEWS SEBAGAI MODERASI (STUDI KASUS KOTA YOGYAKARTA, KABUPATEN BANTUL DAN KABUPATEN SLEMAN): PENGARUH DAYA TARIK IKLAN DAN INFLUENCER MARKETINGTERHADAP KEPUTUSAN PEMBELIAN PRODUK BUSANA MUSLIM BUTTONSCARVES DENGAN ONLINE CUSTOMER REVIEWS SEBAGAI MODERASI (STUDI KASUS KOTA YOGYAKARTA, KABUPATEN BANTUL DAN KABUPATEN SLEMAN) aini, Aini Fransisca; Syarif As’ad
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

The study aims at learning the effect of advertisement and influencer marketing on the purchase decision of Buttonscarves muslim fashion products with online customer review as the moderation (a study case in Yogyakarta City and Bantul and Sleman districts). The survey method was quantitative, employing questionnaires to collect the data from 100 respondents. The data were analysed using the Partial Least Squares – Structural Equation Model (PLS-SEM) through Smartpls v. 4. 1. 0. 9 software. The result indicated that advertisement and influencer marketing affected the purchase decision positively and significantly. The message and visual elements in advertisement are the main factors that attract the consumer’s interest. Meanwhile, the credible influencer marketing recommendation increased confidence and boosted purchases. However, it did not moderate the relationship between advertisement and purchase decision, indicating that consumers were affected more by the visual aspects than customer reviews. On the other hand, online customer reviews moderated the effect of influencer marketing on the purchase decision, where the positive reviews strengthened the credibility of influencer marketing and increased the customer’s confidence.Keywords: Advertisement, Influencer Marketing, Marketing, Online Customer Reviews, Purchase Decision, Muslim Outfit
PENGARUH PENGETAHUAN RIBA DAN KEBUTUHAN MAHASISWA TERHADAP KEPUTUSAN MENGGUNAKAN PINJAMAN ONLINE (STUDI PADA MAHASISWA UNIVERSITAS MAJALENGKA) Fikri Haikal Nur Habibi; Ayu Gumilang Lestari; Kurnia Rusmiyati
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 02 (2025): JIEI : Vol. 11, No. 02, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

Penelitian ini bertujuan untuk mengkaji pengaruh pengetahuan riba dan kebutuhan mahasiswa terhadap keputusan menggunakan pinjaman online di kalangan mahasiswa Universitas Majalengka. Jenis penelitian yang digunakan adalah deskriptif verifikatif dengan pendekatan metode kuantitatif. Teknik pengambilan sampel menggunakan non probability sampling dari populasi Mahasiswa Universitas Majalengka yang menggunakan pinjaman online, Berdasarkan analisis regresi linier berganda terhadap 102 responden, ditemukan bahwa secara simultan, pengetahuan riba dan kebutuhan mahasiswa berpengaruh signifikan terhadap keputusan menggunakan pinjaman online, dengan nilai koefisien determinasi (R²) sebesar 76,3%. Namun secara parsial, hanya variabel kebutuhan mahasiswa yang menunjukkan pengaruh signifikan dan sangat kuat (β = 0,864, sig = 0,000), sedangkan pengetahuan riba tidak berpengaruh signifikan (β = 0,078, sig = 0,115). Temuan ini menunjukkan bahwa meskipun sebagian mahasiswa menyadari larangan riba, faktor kebutuhan ekonomi, seperti biaya pendidikan dan gaya hidup lebih dominan dalam memengaruhi keputusan finansial mereka. Hasil ini menegaskan pentingnya literasi keuangan berbasis syariah agar mahasiswa dapat membuat keputusan keuangan yang bijak dan terhindar dari jerat utang riba.
THE INFLUENCE OF CUSTOMER RELIGIOSITY COMMITMENT ON CONTINUANCE INTENTION OF SHARIA MOBILE BANKING WITH TRUST IN MOBILE BANKING AS A MEDIATOR AMONG MILLENNIAL GENERATION IN KLATEN REGENCY Abdul Hadi Hari; Rizky Windar Amelia; Abdul Haris
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

Abstract This study aims to analyze the influence of Consumer Religiosity Commitment on Sharia Mobile Banking Continuance Intention with Trust in Sharia Mobile Banking as a mediating variable. A quantitative approach was employed, with data collected through questionnaires from users of Sharia mobile banking services. The results of the analysis reveal that Consumer Religiosity Commitment has a positive and significant effect on Sharia Mobile Banking Continuance Intention (coefficient 0.672; t = 12.758; p < 0.001) and on Trust in Sharia Mobile Banking (coefficient 0.657; t = 11.891; p < 0.001). Furthermore, Trust in Sharia Mobile Banking also has a significant positive effect on Sharia Mobile Banking Continuance Intention (coefficient 0.695; t = 12.879; p < 0.001) and mediates the relationship between Consumer Religiosity Commitment and Sharia Mobile Banking Continuance Intention (mediation coefficient 0.456; t = 8.383; p < 0.001). The findings indicate that trust plays a pivotal role as a mediator in linking religiosity commitment with the intention to continue using Sharia mobile banking. Consumer trust in secure, reliable services aligned with Sharia principles strengthens the impact of religiosity on consumer loyalty. Managerial implications of this study highlight the importance for Islamic banks to enhance trust through features such as security, service transparency, and adherence to Sharia values. Additionally, marketing strategies emphasizing the alignment of services with religiosity values can foster loyalty and the sustained use of Sharia mobile banking services.
Pengaruh JII 70 Dan ISSI Terhadap Pertumbuhan Perekonomian Indonesia Zaidah, Ghina Rizki; Widjiantoro, Surya Tegar
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

This research is based on the discrepancy between theory and facts found in the field, as well as inconsistent results from previous studies that serve as references in this study. The aim of this research is to analyze the influence of the Jakarta Islamic Index 70 (JII 70) and the Indonesian Sharia Stock Index (ISSI) on Indonesia's economic growth during the period of 2019-2023. The research method used is a quantitative approach with secondary data obtained from BPS, OJK, and investing web pages. The sample selection was done using purposive sampling technique, covering two sharia stock indices, namely JII 70 and ISSI. The partial test results show that JII 70 has a negative and significant effect on economic growth, while ISSI has a positive and significant effect. The simultaneous test indicates that overall, JII 70 and ISSI have a positive and significant impact on economic growth. The coefficient of determination of 95.7% indicates that these two variables can explain economic growth, while the remaining 4.3% is influenced by other factors.
PENGARUH PENGARUH RGEC (RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNING, CAPITAL) TERHADAP FINANCIAL DISSTRES PADA BANK MUAMALAT INDONESIA Ohoirenan, Sufli fatimah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh RGEC (Risk Profile, Good CorporateGovernance, Earning, Capital) terhadap Financial Distress pada Bank Muamalat Indonesia. Penelitianini mengunakan metode kuantitatif dengan menggunakan data sekunder berupa laporan keuangantriwulan Bank Muamalat Indonesia dari tahun 2018-2022 yang telah dipublikasikan. Metode analisisyang digunakan adalah analisis regresi linear berganda dengan menggunakan alat analisis SPSS 25.Hasil penelitian menunjukkan bahwa secara parsial variabel NPF, ROA, ROE, BOPO, dan CAR tidakberpengaruh signifikan terhadap financial distress, kemudian variabel FDR dan GCG berpengaruhsignifikan terhadap financial distress. Selanjunya secara simultan RGEC (risk profile, good corporategovernance, earning dan capital) berpengaruh signifikan terhadap financial distress. Kinerja keuanganmempunyaii implikaisi luais terhaidaip Finainciail distress dimana daipait meningkaitkain risikooperaisionail, menciptaikain tekainain paidai pendaipaitain yang mengaikibaitkain penurunain laibaisecara signifikain sehingga menjaidi indikaitor aiwail maisailaih keuaingain. Untuk itu integraisimainaijemen risiko, straitegi keuaingain yaing haiti-haiti dain peneraipain prinsip-prinsip GCG yaingbaiik daipait membaintu perusaihaiain mengelolai hubungain kompleks ini secairai efektif untukmenjaigai kesehaitain keuaingain dain reputaisi.
NALAR ḤIKMAH DALAM FATWA DSN-MUI TENTANG PENGGUNAAN DANA TIDAK BOLEH DIAKUI SEBAGAI PENDAPATAN (TBDSP) BAGI LEMBAGA KEUANGAN SYARIAH Achmad Nursobah; Muhajir
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i03.17152

Abstract

This study discusses the application of the theory of at-ta‘līl bil ḥikmah as the foundational basis in the formulation of DSN-MUI Fatwa No. 123/DSN-MUI/XI/2018 concerning Funds That Cannot Be Recognized as Income (TBDSP). Employing a normative qualitative method and an uṣūl al-fiqh approach grounded in at-ta‘līl bil ḥikmah, the study explores how ḥikmah (wisdom) serves as the primary rationale in legal determination, shifting away from the dominance of the traditional ‘illah-based reasoning. This theory emphasizes justice, utility, balance, ethics, and ease as integral dimensions in formulating legal rulings that are both relevant and adaptive. The findings demonstrate that the DSN-MUI fatwa on TBDSP not only fulfills the normative requirements of Islamic law but also provides contextual solutions that address the realities of the modern economic environment. By channeling non-halal funds toward social purposes, such as mosque construction and scholarships, the fatwa ensures legal protection, moral integrity, and public welfare. Consequently, the at-ta‘līl bil ḥikmah approach represents a vital methodological foundation for developing fatwas that are both responsive to contemporary changes and firmly rooted in Islamic legal principles.
Unveiling the Halal Food Internationalization Literature: Trends and Prospects for Future Study Direction Hani Khairo Amalia; Aisyah As-Salafiyah; Ari Prasetyo; Masruroh, Amalia
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

The halal industry is a large and rapidly growing market that encompasses various sectors. This review of literature is motivated by the growing demand for halal products, the importance of trade among Muslim-majority nations, and the need for a deeper understanding of how companies deal with competitive barriers when venturing into new markets. Bibliometric analysis used to identify key publications, authors, and keywords, as well as to track trends and patterns over time. The findings of this study can inform businesses, policymakers, and industry stakeholders about effective approaches to internationalizing halal food businesses and contribute to the sustainable growth of the halal food industry. Moreover, identifying several key research trends and gaps can provide insights for future researchers, especially in unexplored areas within the study of the internationalization of halal food.
ANALISA KINERJA KEUANGAN PADA KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH ”USAHA BAROKAH” JATIPURNO (Studi Kasus Syariah KSPPS Usaha Barokah Jatipurno Tri Nur Setiawati; Prastiwi, Iin Emy; Indra Lila Kusuma
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i03.17159

Abstract

This study aims to analyze the financial performance of the cooperative by using various financial ratios as outlined in the Decree of the Minister of Cooperatives and Small and Medium Enterprises No. 35.3/Per/M.KUKM/X/2007. The analysis of financial reports is also intended to serve as a reference for the new cooperative management, as the term of the previous management has ended. Data collection techniques include documentation, observation, and interviews. Financial Performance Analysis of KSPPS Usaha Barokah Jatipurno Wonogiri (based on the Ministerial Decree No. 35.3/Per/M.KUKM/X/2007): Equity to Total Capital Ratio Score: 4.50 (2023) and 5.00 (2024) out of 5.00 Category: healthy. Indicates that the cooperative has a strong equity position compared to its total capital. Efficiency Score: 3.00 (2023 and 2024) out of 4.00 Category: moderately efficient. Reflects that the cooperative's asset utilization in serving members is adequate but still has room for improvement. Fixed Assets to Total Assets Ratio Score: 4.00 (2023 and 2024) out of 4.00 Category: good. Shows that the proportion of fixed assets to total assets is well-balanced. Liquidity Score: 7.50 (2023 and 2024) out of 10.00 Category: moderately liquid. Indicates that the cooperative is fairly capable of meeting its short-term obligations. Asset Profitability (Return on Assets) Score: 0.75 (2023 and 2024) out of 3.00 Category: low. Shows that the cooperative’s ability to generate profit from its total assets is still lacking. Equity Profitability (Return on Equity) Score: 3.00 (2022 and 2023) out of 3.00 Category: high. Demonstrates that the cooperative is highly effective in generating profit from its own capital. Despite some strong indicators, the findings highlight the need to increase equity, improve service delivery, optimize fund management, and evaluate that can’t declining performance areas.

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