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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 KINERJA BPR SYARIAH AL SALAAM KOTA DEPOK: PENDEKATAN MASLAHAH PERFORMA: Islamic Rural Bank Performance Analysis Farhan; Achmad Firdaus
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 describes the analysis of performance measurement in Islamic Rural Bank Al Salaam based on orientation to benefit all stakeholders and shareholders. This study specifically measures aspects of the methodology for implementing performance measurement that are still limited. Therefore, Maslahah Performa is used to recalculate performance measurement in Islamic Rural Bank Al Salaam. The study aims to measure performance of Islamic rural bank al salaam with two sides of analysis, which are process performance and result performance. The methodology used in this study is qualitative research methods with case study design. The results of the Islamic Rural Bank Al Salaam process performance was 0.950. It shows that the company is very good at preparing the company's running process. The Islamic Rural Bank Al Salaam performance result is 0.678. This provides quite good benefits for stakeholders. These results are not perfect because several strategic targets have not been fully achieved. The company is supposed to give more maslahah in the target which are not fully covered. The research findings indicate that six benefit orientations exist in Islamic Rural Bank Al Salaam. These orientations include worship, internal processes, talents, learning, customers, and property.
Kolaborasi Digital Dan Entrepreneurial Marketing Guna Peningkatan Daya Saing Dan Kinerja Bisnis UMKM Makanan Di Kota Semarang Ýanti Pujiastuti; Pantawis, Setyo
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.v11i03.17742

Abstract

The fundamental problems in efforts to develop MSME businesses is the low adoption of MSME technology. This has an impact on the competitiveness of MSME businesses becoming increasingly reduced and leading to a decline in business performance. This is contradictory where the development of IT should open up wide opportunities for MSMEs in developing their competitiveness as well as their business performance. However, MSMEs in general do not understand the existence of this very potential opportunity. In fact, the characteristics of MSME business excellence, have high flexibility to manage their business, considering that in general the resources owned by MSMEs are not too large and not complex.and research results. This study aims to test the collaboration of digital marketing and entrepreneurial marketing that can create marketing innovation. The implementation of digital and entrepreneurial marketing will increase consumer accessibility to obtain products, make it easier for consumers to make payments and access information and services provided. These various aspects will increase the value of MSME products, thereby creating persuasion for potential consumers and expanding market coverage. The research method is quantitative with the distribution of questionnaires to obtain primary data which is then analyzed using the PLS program. The population of food UMKM actors in Semarang City with a sample size using the Lemeshow formula using cluster sampling. The results of the study found the influence of entrepreneurial marketing and digital marketing on innovative marketing and subsequently improved marketing performance. The importance of integrating entrepreneurial marketing and digital marketing as a strategy to increase innovation in marketing and, ultimately, the company's marketing performance. Companies that are able to combine these two approaches will be better able to adapt to market changes and meet the evolving needs of customers
Analisis Strategi Peningkatan Sertifikasi Halal Ultra Mikro Di Tanjung Selor Kalimantan Utara Arifin, Zainul; Aini, Nur
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 04 (2025): JIEI : Vol. 11, No. 04, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

This research aims to analyze the strategies implemented to enhance halal certification for Ultra Micro businesses in Tanjung Selor, North Kalimantan, and to identify the internal and external factors influencing these strategies based on SWOT analysis. This is a qualitative study utilizing in-depth interview techniques for data collection. Data sources include the local Religious Affairs Office of North Kalimantan (Kanwil Kemenag Kalimantan Utara), PPH Tanjung Selor, and certified Ultra Micro business actors. The data analysis technique used in this study is SWOT analysis, focusing on internal and external factors of the strategy for enhancing halal certification for SMEs in Tanjung Selor. The results indicate that the strategy for enhancing halal certification for Ultra Micro businesses in Tanjung Selor involves three main steps: regular socialization, technical guidance, and direct assistance. External aspects show that halal certification increases product trust and market appeal. Internal factors in the SWOT analysis include the ease of self-declare procedures and proactive assistance, while external factors include the potential for further guidance and free self-declare programs. However, weaknesses such as lack of initial socialization and IT comprehension among SMEs, as well as threats like lack of interest and awareness from SMEs, were identified.
Optimizing the Potential of Halal Media and Entertainment in Indonesia: Analysis of Opportunities, Challenges, and Strategic Steps Hamdi, Baitul; Rossy Endah Permata Sari; Sarah Syukri; Wahyuddin Luthfi Abdullah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 04 (2025): JIEI : Vol. 11, No. 04, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i04.17221

Abstract

This study aims to identify the opportunities and challenges and formulate strategies for developing halal media and entertainment in Indonesia. This research is a library research using a qualitative approach. The study was conducted by reading, reviewing, and analyzing various existing literatures, such as books, journals, news, and research findings. The study results indicate that Indonesia's main opportunities for halal media and entertainment include a significant market potential, global demand for Islamic media content, and the positive influence of social media and digital technology development. However, the industry also faces significant challenges, such as limited definitions and halal standardization, the perception that it limits creativity, the dominance of non-halal content, a lack of innovation, and challenges in filtering and monitoring digital content. To overcome these challenges and optimize potential, the proposed strategies include strengthening the regulatory framework and government policies, improving the quality and diversity of content, developing competent human resources, building an integrated industrial ecosystem, and educating and promoting halal media literacy to the public. Implementing these strategies is expected to drive the industry's growth, contribute to the national economy, and position Indonesia as a global Islamic economy hub.
Faktor-Faktor yang Mempengaruhi Niat Berdonasi Green Waqf di Kalangan Muslim yang Peduli Lingkungan: Peran Mediasi dari Attitude Indirwan, Syanisma Khansa; Faradilah Putri Fauzi; Sulistya Rusgianto; Ririn Tri Ratnasari
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 04 (2025): JIEI : Vol. 11, No. 04, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i04.17244

Abstract

This study analyzes the factors influencing the intention to donate to green waqf among environmentally conscious Muslims in Indonesia. The examined factors include green waqf literacy, subjective norms, and access to information media on the intention to donate to green waqf, with attitude acting as a mediating variable. The theoretical foundation of this study is the Theory of Planned Behaviour (TPB). This is a quantitative study that employs the Partial Least Squares Structural Equation Modeling (PLS-SEM) method, with a minimum sample size of 60 respondents. A purposive sampling technique was used, based on three respondent criteria, and the data were analyzed using SmartPLS version 4. This research contributes to the literature by exploring the mediating role of attitude in the relationship between green waqf literacy, subjective norms, and information media access on the intention to donate to green waqf. Additionally, this study specifically focuses on environmentally conscious Muslims, as their knowledge and awareness of environmental issues can play a vital role in supporting and promoting green waqf initiatives. The findings indicate that attitude and subjective norms significantly influence the intention to donate to green waqf among environmentally conscious Muslims in Indonesia. In particular, subjective norms have both direct and indirect effects through attitude, underscoring the importance of social influence in encouraging donation intention. In contrast, green waqf literacy and access to information media show positive but insignificant effects on donation intention, both directly and indirectly through attitude.
Transparansi Keuangan Masjid di Era Digital: Mewujudkan Tata Kelola Amanah dan Bebas Fraud Suharsono, Riyanto Setiawan; Sudarmanto, Eko; Mahdi, Fadilla Muhammad; Mubarok, Ahmad Zaki; Ridwan, Mohammad
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 04 (2025): JIEI : Vol. 11, No. 04, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i04.17276

Abstract

Transparent and trustworthy financial management in mosques is a fundamental pillar for maintaining institutional integrity and preventing financial fraud. This article explores the importance of implementing mosque accounting practices that are accountable and aligned with good financial governance principles to enhance public and congregational trust. Using a descriptive-qualitative approach and literature review, the study identifies that many mosques still manage finances in a disorganized and non-transparent manner, with limited oversight. Such conditions increase the risk of fund misappropriation. To address this issue, the article proposes strategies such as adopting digital bookkeeping systems, providing basic accounting training for mosque administrators, and ensuring regular and publicly accessible financial reporting. The application of transparency, congregational participation, and periodic audits are key components in establishing a professional and trustworthy accounting system for mosques. The study concludes that structured financial governance, grounded in Islamic values, is an effective approach to preventing fraud and strengthening the financial accountability of mosque institutions.
Paradigma Filantropi Islam dalam Keuangan Mikro Islam: Analisis Berbasis Literatur Terhadap Fungsi Maal di Baitul Maal Wat Tamwil Garbo, Anom
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 04 (2025): JIEI : Vol. 11, No. 04, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i04.17293

Abstract

This study examines the incorporation of Islamic philanthropy—zakat, infaq, and sadaqah—into the operational mechanism of Islamic microfinance by specifically focusing  on the maal program in Baitul Maal Wat Tamwil (BMT). This study aims to evaluate the role of philanthropic financial instruments in ethical finance and inclusive development from an Islamic perspective. A narrative literature review with sources mostly from Scopus, as well as using Islamic microfinance and maal function in BMT as keywords, was conducted. The approach was thematic, based on the purpose of Islamic law, namely, to preserve wealth and welbeing. The study results indicated that the maal function is the base principle in Islamic microfinance rather than an extra one. Models based on institutions such as BMT and waqf-related  finance have found a successful way to blend philanthropy with financial intermediation, hence economically empowering and providing social justice. The operational impact may be improved through strategic tools such as Islamic corporate social responsibility, digital zakat platforms, and performance measurement models. This research, in refocusing maal as instrumental in sustainable microfinance, adds to Islamic finance literature. This  analysis informs policy prescriptions and institutional reforms for moral, socially inclusive financial systems in the Muslim world BMT
Peran Etika Ekonomi Islam dalam Perdagangan Internasional: Telaah Kritis atas Pemikiran Imam Al-Ghazali Yulianingsih, Dwi Indriastuti; Mohammad Sapta Heriyawan
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 04 (2025): JIEI : Vol. 11, No. 04, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i04.17304

Abstract

International trade is a global phenomenon that cannot be avoided by any country. In Islamic economics, trade activities are regulated based on the principles of justice, welfare, and prohibition of exploitation. This article aims to examine Imam Al-Ghazali's views on the principles and role of the state in international trade and its impact on the economic independence of the people. Al-Ghazali views that the state must play an active role in maintaining market stability, supporting local businesses, and avoiding dependence on other countries. This article uses a literature study approach to the main works of Al-Ghazali and other Islamic economic thinkers. The findings show that international trade from an Islamic perspective is not just an economic tool, but a moral and social instrument that requires ethical control from the state and market players.
Apakah fintech peer-to-peer lending merugikan profitabilitas bank syariah? Bukti Empiris dari Bank Umum Syariah dan Unit Usaha Syariah di Indonesia Asria Farazilah, Nada
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 04 (2025): JIEI : Vol. 11, No. 04, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i04.17335

Abstract

Peer-to-peer lending within the financial technology sector has undergone significant expansion in Indonesia. Islamic banks, complying to Sharia principles, offer a distinct perspective within the peer-to-peer lending sector. This study aims to examine the impact of peer-to-peer lending on the profitability of Islamic banks in Indonesia. The dataset consists of 72 monthly time series from sharia commercial banks and sharia business units, obtained from the Financial Services Authority (OJK) covering the period from 2018 to 2023. The ECM Model is employed to assess the duration of the short-term imbalance that will endure over time. The return on assets functions as the dependent variable, whereas the independent variables comprise loan disbursement in fintech P2P lending, operating expense ratio , loan-to-asset ratio, branch banking, bank size, and BI rate. The data indicated that fintech has a significant and positive impact on the operations of sharia commercial banks. Other variables that significantly influence ROA include operating expense ratio (OER), loan-to-asset ratio, bank size, and BI rate. This finding highlights the strategic importance of collaborations between peer to-peer lending platforms and Islamic institutions.
Analisis Dampak Kecerdasan Buatan (AI) terhadap Kepuasan dan Kepercayaan Pelanggan Asuransi Syariah di Era Digital: Peran Moderasi Literasi Digital Amrullah; Huda, Nurul
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 04 (2025): JIEI : Vol. 11, No. 04, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

This study aims to analyze the impact of Artificial Intelligence (AI) implementation on customer satisfaction and trust in the Islamic insurance industry in the digital era, while also examining the moderating role of digital literacy. Using a quantitative approach with an explanatory and cross-sectional survey design, the research involved 200 Islamic insurance customers in the Greater Jakarta area selected through purposive sampling. The study focused on evaluating the influence of AI features such as chatbots, automated claim processes, and service personalization on customer perceptions. Data were collected through an online questionnaire and analyzed using SPSS version 25 with multiple linear regression and moderated regression analysis (MRA). The results indicate that AI has a positive and significant impact on both customer satisfaction and trust. Furthermore, digital literacy significantly moderates these relationships. These findings highlight that the effectiveness of AI implementation is greatly influenced by customers’ digital literacy and alignment with Sharia principles. This research contributes empirically to filling the gap in literature on Islamic financial technology and offers practical implications for developing ethical and inclusive AI-driven digital service strategies.

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