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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
 139   140   141   142   143 
PERAN LEMBAGA KEUANGAN SYARIAH DALAM MENINGKATKAN LITERASI KEUANGAN SYARIAH DALAM MELINDUNGI MASYARAKAT DARI PINJAMAN ONLINE ILLEGAL Bangun Adhi Wasito; Muhammad Tho’in; Abdul Haris Romdhoni
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.v11i03.17160

Abstract

This research aims to investigate and analyze the role of Islamic financial institutions in enhancing community financial literacy; identify the strategies of Islamic financial institutions in protecting the community from illegal online loans, and evaluate the challenges faced by Islamic financial institutions in increasing financial literacy and protecting the community from illegal online loans. This research method uses a descriptive qualitative approach. The data sources used are secondary data such as references, journals, books, or documentation data related to the research. Data collection techniques include literature study. The data analysis technique used is qualitative analysis with a literature study conducted through several stages, including formulating research questions, searching for literature sources, and evaluating literature sources. The research results show that Islamic Financial Institutions (LKS), especially BMT and Islamic cooperatives, play an important role in increasing Islamic financial literacy through product education, providing products according to needs, community economic empowerment, financial inclusion, and collaboration. LKS needs to implement proactive strategies to protect the community from illegal online loans, including education, providing alternative Islamic financing, collaborating with OJK, increasing Islamic financial literacy, and community economic empowerment. LKS faces challenges in increasing financial literacy and protecting the community from illegal online loans, such as lack of public understanding, limited access to information, and competition with conventional financial institutions. To overcome these challenges, LKS needs to increase education, expand service reach, improve HR quality, strengthen collaboration, develop innovative products, and utilize digital technology. With comprehensive efforts, LKS can increase community financial literacy and protect them from the dangers of illegal online loans. This research shows that financial education, both formal and informal, is effective in increasing financial literacy.
BENTUK KERJASAMA MUDHARABAH ANTARA NELAYAN TANGKAP DAN PEMILIK KAPAL DALAM MENINGKATKAN KESEJAHTERAAN NELAYAN DI KELURAHAN TANJUNG BATU, KECAMATAN BANAWA, KABUPATEN DONGGALA Lanonci, Lathifah
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 study aims to identify the form of mudharabah partnership between fishermen and boat owners and to analyze the profit-sharing mechanism applied. A descriptive qualitative approach was used, employing observation, interviews, and document analysis involving fishermen, boat owners, and community leaders. The mudharabah cooperation is based on trust and familial bonds, without written agreements, with a profit-sharing ratio of 40% for fishermen and 60% for boat owners. While the system modestly improves fishermen’s welfare, fishermen also bear losses when there is no catch, which deviates from the pure principles of mudharabah. Both parties perceive the profit-sharing as fair, though the absence of a written contract poses a risk of disputes. External factors such as weather and fluctuating fish prices hinder more significant welfare improvements. There is needs to strengthen transparency and legal protection in the mudharabah system. Policy recommendations include implementing Islamic insurance schemes and providing legal assistance to enhance the system’s sustainability and fairness.
Analisis Determinan Rasio Penyaluran Pembiyaan Konsumsi Dalam Portofolio Bank Syariah Di Indonesia Ari Febriansyah; Cupian
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.v11i03.17192

Abstract

This study aims to analyze the determinants of the consumer financing ratio within the financing portfolio of Islamic banks in Indonesia during the period 2014–2024. A quantitative approach is employed using monthly time series data with the Autoregressive Distributed Lag (ARDL) model. The long-term estimation results indicate that the profit-sharing rate and FDR (Financing to Deposit Ratio) have a negative and significant effect on the consumer financing ratio, while total financing has a positive and significant impact, and NPF (Non-Performing Financing) is found to be insignificant. In the short term, it is found that the previous period’s consumption ratio and NPF influence the current ratio, indicating an adjustment effect. Additionally, total financing shows a significant effect on the consumer financing ratio in Islamic banking. This study also finds that the determinants of the consumer financing ratio within the portfolio of Islamic banks in Indonesia exhibit different dynamics across time periods.
Brand Experience Terhadap Repurchase Intention Kosmetik Halal pada Masyarakat Muslim di Kota Singkawang Ardelia, Aya Sofia
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

Consumer behavior in general is described as a form of process from searching, selecting to the stage of deciding to buy a product or service in order to provide for their needs. Brand Experience is the sensation, feeling, cognition and response or consumer response to the brand. In Islam, a Muslim in the practice of buying and selling must pay attention to whether the goods sold are halal and free from usury elements, both sellers and consumers and must be based on mutual consent or mutual need. The goods sold do not contain elements of fraud and consumers know the quality and specifications of the product clearly. If these things are met, of course consumers can get a positive experience from the products they buy such as satisfaction, feelings of pleasure or happiness when buying and wanting to buy again so that they can create a Brand Experience or experience felt by consumers towards the brands they consume. Therefore, researchers are interested in conducting research to determine the effect of Branding Experience on Repurchase Intention of halal cosmetics in the community in Singkawang. This research is a quantitative field research by distributing questionnaires and analyzed using a simple linear regression analysis method using the SPSS test tool. The test results prove that Branding Experience on Repurchase Intention of halal cosmetics in the community in Singkawang.
PERAN EKONOMI KREATIF TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA DALAM PERSPEKTIF ISLAM Samudro Giriyanto; Abdul Haris Romdhoni; Iin Emy Prastiwi
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.v11i03.17202

Abstract

Penelitian ini bertujuan untuk mengkaji bidang ekonomi kreatif yang mendorong pertumbuhan ekonomi Indonesia, mengukur kontribusi sektor tersebut terhadap PDB nasional, memberikan rekomendasi pengembangan ekonomi kreatif agar lebih maksimal dalam mendukung perekonomian, dan memaparkan ekonomi kreatif menurut perspektif Islam berdasarkan Al-Quran dan Sunnah, dengan harapan dapat memberikan wawasan komprehensif mengenai peran dan potensi ekonomi kreatif di Indonesia. Penelitian ini menggunakan pendekatan kualitatif diskriptif. Sedangkan sumber data yang digunakan adalah data sekunder seperti; referensi, jurnal, buku, atau data dokumentasi yang berkaitan dengan penelitian. Cara atau teknik pengumpulan data dengan studi pustaka dilakukan melalui beberapa tahapan, antara lain merumuskan pertanyaan penelitian, mencari sumber-sumber pustaka, dan mengevaluasi sumber-sumber pustaka. Hasil penelitian menunjukkan bahwa ekonomi kreatif sangat penting bagi pertumbuhan ekonomi Indonesia, dengan kontribusi besar pada PDB, lapangan kerja, dan devisa. Kuliner, kriya, dan fesyen adalah subsektor utama penyumbang PDB. TV/radio, film/animasi/video, seni pertunjukan, dan desain komunikasi visual mengalami pertumbuhan pesat.Pengembangan ekonomi kreatif memerlukan strategi komprehensif: infrastruktur, SDM, akses modal, HKI, promosi, dan kerja sama. Prinsip Islam dapat menjadi landasan etis dan bermanfaat bagi ekonomi kreatif.
Perbandingan Volatilitas Return Saham, Emas dan Cryptocurrency : Peluang dan Tantangan sebagai Aset Halal: Perbandingan Volatilitas Return Saham, Emas dan Cryptocurrency : Peluang dan Tantangan sebagai Aset Halal Noven, Sarah Annisa; Cupian
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

Investment in various financial instrumens such as stocks, gold, and cryptocurrency continues to grow in line with changes in global market conditions. One crucial aspect of investment is understanding return volatility, as high volatility can indicate greater risk for investors. The ARCH/GARCH model has become a widely used method in volatility analysis to capture fluctuations in financial asset prices. This study aims to examine whether the ARCH/GARCH model can explain and predict the return volatility of the Jakarta Islamic Index (JII), gold, and Bitcoin. This research employs a mixed-method approach, where the quantitative method applies the ARCH/GARCH model to analyze the volatility of these three investment instrumens, while the qualitative method involves documentation studies to analyze the opportunities and challenges of cryptocurrency as a halal asset. The findings indicate that the ARCH/GARCH model can explain the return volatility patterns of JII and gold. However, Bitcoin was not included in the ARCH/GARCH modeling. JII exhibits the highest volatility compared to the other two instrumens, whereas gold demonstrates characteristics of a safe-haven asset with lower volatility.
The The Appeal of Halal Labels: How much Influence Does It Have on Purchasing Decisions? A Quantitative Study of Packaged Food and Beverages in a Muslim-Majority Market Hardimanto, Zana Zein
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.v11i03.17223

Abstract

Abstract This study aims to examine the extent to which halal labeling on packaged food and beverages influences consumer purchasing decisions. A quantitative approach was employed, utilizing both primary and secondary data sources. The research involved 260 respondents selected through purposive sampling. Data analysis was conducted using simple linear regression. The result show that the halal labeling variable has a positive and significant effect on purchasing decisions, with a statistical significance value of less than 0.05. These findings indicate that the halal labeling variable on packaged food and beverage has a positive and significant inluence on purchasing decisions, as it shows an empirical probability or statisticcal significance value of less than 0.05. In economic terms, this reflects the responsiveness of consumers labeling to to labeling, especially those those guided by religious values. In predominanlty muslim societies, such as Surakarta trust and adherence to religious principles are crucial factors influencing product selection and purchasing behaviour. The study confirms that enchanging halal labeling can strengthen consumer confidence and drive higher purchasing in muslim majority markets. Keywords: halal label, purchasing decision, consumer behavior, religious values, packaged food and beverages
Peran Literasi dan Inklusi Keuangan Syariah terhadap Pengembangan UMKM di Indonesia Solikin, Solikin; Romdhoni, Abdul Haris; Sumadi, Sumadi
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 02 (2025): JIEI : Vol. 11, No. 02, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i02.17239

Abstract

Penelitian ini bertujuan untuk menganalisis peran literasi dan inklusi keuangan syariah terhadap pengembangan UMKM di Indonesia. Penelitian mengkaji bagaimana literasi keuangan syariah mempengaruhi keputusan UMKM dalam memilih produk dan layanan keuangan syariah, serta bagaimana inklusi keuangan syariah dapat meningkatkan akses UMKM terhadap pembiayaan. Metode penelitian ini menggunakan pendekatan kualitatif deskriptif. Sumber data yang digunakan adalah data sekunder seperti referensi, jurnal, buku, atau data dokumentasi yang berkaitan dengan penelitian. Teknik pengumpulan data meliputi studi pustaka. Teknik analisis data yang digunakan adalah analisis kualitatif dengan studi pustaka dilakukan melalui beberapa tahapan, antara lain merumuskan pertanyaan penelitian, mencari sumber-sumber pustaka, dan mengevaluasi sumber-sumber pustaka. Hasil penelitian menunjukkan bahwa pemahaman dan penerapan keuangan syariah (literasi keuangan syariah) sangat penting bagi UMKM. Literasi keuangan syariah yang baik membantu UMKM membuat keputusan keuangan yang lebih baik dan mengelola keuangan dengan lebih efisien, yang pada akhirnya meningkatkan kinerja dan kesejahteraan mereka. Selain itu, akses terhadap layanan keuangan syariah (inklusi keuangan syariah) juga penting bagi UMKM. Inklusi keuangan syariah yang baik memudahkan UMKM mengakses pembiayaan dan layanan keuangan syariah lainnya.
The Profession of Content Creator in the Sharia-Compliant Creative Economy: Opportunities, Challenges, and Islamic Business Ethics on the Commercialization of Halal Content 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.v11i03.17242

Abstract

This research describes the profession of content creator in the sharia-compliant creative economy including opportunities, challenges, and Islamic business ethics on the commercialization of halal content. This study employs a library research design. Content creators in the halal creative economy have diverse opportunities to produce Sharia-compliant content. They can support community needs, promote Islamic ethics, and empower the ummah. When adhering to Islamic principles, content creation is a legitimate, halal profession with strong potential for da’wah, education, and positive social impact. In Islamic economics, content creators can be known as digital entrepreneurs who contribute to the halal economy by producing and sharing knowledge, ethical values, and halal products via online platforms. They promote Islamic teachings and ethical lifestyles while avoiding prohibited elements like riba (interest) and gambling. Acting as informal da’wah agents, they ensure their income is halal by adhering to honesty, transparency, and accountability. Content creators foster halal consumerism, connect Sharia-compliant businesses with Muslim consumers, and incorporate social good, making their role both economic and moral. As key players in the Sharia-compliant creative economy, these creators act as digital preachers, educators, and entrepreneurs, sharing Islamic teachings through relatable content and monetizing via halal, ethical methods. By collaborating with halal brands, they help build a value-driven digital ecosystem that bridges tradition and modernity, empowering Muslim communities and advocating ethical media practices aligned with Maqasid al-Shariah. This profession balances economic success with spiritual fulfillment. Content creators engage in diverse niches such as Islamic education, modest fashion, halal product reviews, mental health, and finance, using platforms like YouTube and podcasts to reach wider audiences. Their work supports community needs, promotes Islamic ethics, and contributes positively to a faith-driven digital economy. Content creation is halal and legitimate when following Sharia principles, avoiding haram content, and guided by sincere intention (niyyah). Creators must maintain modesty, respect gender norms, and prevent riya’ (showing off). Despite opportunities from a growing global Muslim audience and halal market, creators face challenges including Sharia compliance, ethical-commercial balance, community criticism, limited halal monetization, and technical barriers. Navigating these demands requires resilience and innovation. Rooted in Islamic ethics—truthfulness, trust, justice, modesty, sincerity, and accountability—content creators help foster a just, value-driven economy, balancing material success with spiritual integrity and societal benefit. Supporting Sharia-compliant content creators requires clear halal guidelines, ethical training, halal sponsor connections, and transparent partnerships. Building community support, promoting halal consumer education, diversifying income, and collaborating with Islamic finance experts help creators grow responsibly and sustainably within Islamic principles.
ANALISIS DETERMINAN PENDAPATAN PEDAGANG KAKI LIMA DI KAWASAN MALIOBORO PASCA RELOKASI fathurrahman, Ayif
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 Yogyakata Special Region Government has made a policy regarding regulations for the Malioboro area, namely regarding Relocation in order to regulate the Malioboro area into an area that is clean from street vendors. This study uses independent variables, namely business capital, length of business, location, working hours, and level of education, while the independent variable uses income. This study aims to determine the business capital, length of business, location, working hours, and level of education on the terraces of Malioboro have an influence on income and to determine the income of post-relocation street vendors. In this study, researchers used primary data and took samples using a questionnaire.The researchers only took 100 respondents after going through the Sloving formula calculation method, from the total population of street vendors on the terraces of Malioboro. The analytical tool method used by the researcher is multiple linear regression which as the dependent variable is income and the independent variables are business capital, length of business, location, working hours, and level of education.

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