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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.
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Articles 2,319 Documents
Smart Sukuk Berbasis Blockchain Tinjauan Maqasid Syariah Al-Najjar Dimyati, Dimyati; Rosyadi, Moh. Imron; Fageh, Achmad
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10409

Abstract

The concept of Blockchain-based Smart Sukuk involves the use of Blockchain technology and smart contracts in the issuance and execution of Sukuk. Smart Sukuk and Blockchain: One of the innovations of Blockchain systems is smart sukuk. Effective issuance of smart sukuk allows small and medium enterprises (MSMEs) to take advantage of it. Because it increases transparency and eliminates the possibility of fraud or speculation in sukuk transactions, Blockchain is a technology that builds trust between issuers and investors. Smart Contracts: Smart contracts run on the Ethereum Blockchain and allow smart sukuk to be automated and executed digitally. Smart contracts eliminate some of the components and parties involved in conventional sukuk, such as trustees, registrars, payment agents, calculation agents, arrangers, listing agents, transfer agents, and security depository. MSME Financing Potential: Blockchain-based Smart Sukuk has the potential to support the development of MSMEs and the deepening of the Islamic financial sector. Efficiency and Transparency: The use of Blockchain technology in Smart Sukuk can increase efficiency, transparency, and cost, allowing companies to utilize sukuk structures more efficiently
Model Optimalisasi Pemberdayaan Ekonomi Masyarakat Berbasis Masjid: Studi Kasus Kota Depok Kostaman, Koskos
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10414

Abstract

Rasulullah SAW has given an example of the importance of empowering people after he migrated from Mecca to Medina. Among the aspects of empowerment that he did were spiritual, social, educational, and economic aspects. Empowerment of the poor is important in the social field. Poverty is a global issue that has an impact on development of a region. The government has been creating and developing programs to empower the poor for a long time, but it seems that it has not played on optimal role. Depok City BPS released that Depok City’s poverty rate in 2022 is 2.53%. and in 20202 the number of Muslims in Depok City is 1.773.341 out of a total population of 2.484.000. the means that more than 70% of Depok City’s population is Muslim. Muslims are synonymous with mosques, and Depok City has more than 400 mosques that can be empowered. Therefore, this study discusses the Optimization Model of Mosque-based Community Empowerment. The research methodology used is qualitative which camos from interviews and observations. Sources of data obtained directly from interviewees. The analysis technique used in this study is descriptive analysis by explaining the results of the researchers’ observations through a detailed explanation of the model. The result of this study are expected to be a source of reference for mosques in empowering communities.
Analisis Faktor-Faktor Yang Mempengaruhi Generasi Z Dalam Mengunjungi Objek Wisata Halal Di Kota Lhokseumawe fikri, juan
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10431

Abstract

Penelitian ini bertujuan untuk mengenalisis pengaruh Generasi Z dalam mengunjungi objek wisata halal di Desa Rancong Kecamatan Muara Satu Kota Lhokseumawe. Penelitian ini menggunakan data primer yang diperoleh dengan membagikan kuesioner kepada 70 responden generasi Z. Jenis penelitiannya yaitu kuantitatif dengan menggunakan metode analisis data yang digunakan adalah Partial Least Square dengan bantuan program aplikasi atau SmartPLS 3. Hasil penelitian menunjukkan bahwa Lokasi tidak berpengaruh yang siginifikan terhadap keputusan wisatawan dengan Hasil output Path Coefficient menunjukkan bahwa nilai t hitung konstruk 1,997 yaitu 1.703 Artinya H_a ditolak H_0 diterima, Promosi tidak berpengaruh yang siginifikan terhadap keputusan wisatawan dengan Hasil output Path Coefficient menunjukkan bahwa nilai t hitung konstruk 1,997 yaitu 0.821 Artinya H_a ditolak H_0 diterima, Fasilitas tidak berpengaruh yang siginifikan terhadap keputusan wisatawan dengan Hasil output Path Coefficient menunjukkan bahwa nilai t hitung konstruk 1,997 yaitu 0.666 Artinya H_a ditolak H_0 diterima, Aksesibilitas berpengaruh yang siginifikan terhadap keputusan wisatawan dengan Hasil output Path Coefficient menunjukkan bahwa nilai t hitung konstruk 1,997 yaitu 4.746 Artinya H_a diterima H_0 ditolak, Keamanan tidak berpengaruh yang siginifikan terhadap keputusan wisatawan dengan Hasil output Path Coefficient menunjukkan bahwa nilai t hitung konstruk 1,997 yaitu 2.050 Artinya H_a diterima H_0 ditolak
Perlindungan Hukum Bagi Pengguna Layanan Fintech Lending Syariah Di Indonesia Prastyanti, Rina Arum
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10437

Abstract

Pengaduan melalui Aplikasi Portal Perlindungan Konsumen (APPK) terdapat 11.195 pengaduan dan dari jumlah itu, sebanyak 1.320 pengaduan diproses ke LAPS SJK. Berdasarkan Pasal 6 POJK Nomor 61 Tahun 2020 tentang Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan (LAPS SJK), sengketa adalah perselisihan antara konsumen dengan Pelaku Usaha Jasa Keuangan (PUJK) yang ada kerugian dan/atau kerugian materiil, wajar secara langsung pada konsumen karena PUJK tidak memenuhi perjanjian dan/atau dokumen transaksi keuangan yang telah disepakati. Secara rinci sengketa fintech 12,01%, pembiayaan modal kerja 7,79%, kartu kredit 6,82%, pembiayaan kendaraan bermotor 6,17%, dan tabungan 5,19%. Tujuan Penelitian ini adalah untuk mendeskripsikan problematika hukum bagi pengguna layanan fintech lending Syariah dan perlindungan hukumnya di Indonesia. metode penelitian hukum normatif untuk menemukan suatu aturan hukum, prinsip-prinsip hukum, maupun doktrin-doktrin hukum guna menjawab isu hukum yang dihadapi. Pendekatan yang digunakan dalam penulisan artikel ini adalah pendekatan undang-undang (statute approach) dilakukan dengan menelaah semua undang-undang regulasi yang bersangkutan paut dengan permasalahan yang sedang ditangani. Pendekatan Perundang-undangan adalah pendekatan dengan menggunakan legilasi dan regulasi. Pendekatan perundang-undangan difokuskan pada ketentuan mengenai rechterlijk pardon (permaafan hakim) dalam peraturan perundang-undangan hukum pidana yang berlaku. Teknik analisis bahan hukum yang digunakan ialah metode deduktif. Penggunaan metode deduksi ini berpangkal dari pengajuan premis mayor, kemudian diajukan premis minor. Lalu, dari kedua premis tersebut ditarik suatu kesimpulan. Hasil Penelitian ini problematika hukum diantaranya pelanggaran hukum dalam kegiatan bisnisnya seperti kecurangan, penipuan dan pencurian data pribadi. Kejahatan fintech syariah jika ditinjau dari perspektif hukum jinayah masuk kedalam konsep ta’zir. Suatu pelanggaran yang tidak termasuk dalam konsep hudud, qishas dan diyat maka dinyatakan masuk kedalam konsep ta’zir. Perlindungan hukum terhadap pengguna layanan fintech Syariah atas sengketa dan kejahatan fintech syariah dapat dikenai sanksi ta’zir. Dalam menentukan sanksi ta’zir diserahkan kepada Ulil Amri kepada pelaku kejahatan fintech syariah dengan mempertimbangkan nilai-nilai kemaslahatan. Dengan demikian Jika terjadi kejahatan fintceh syariah maka, penegakan hukumnya sesuai dengan perundang-undangan yang sudah ada dengan seadil-adilnya dan dilakukan tanpa pandang bulu serta disiplin bahwa benar-benar melakukan sanki ta’zir kepada tindak kejahatan fintech Syariah.
Preferensi Produk Perbankan Syariah, Di Kota Tarakan: Pendekatan Analisis Multigrup Utomo, Mohamad Nur; Islami, Rahmi Nur; Pratiwi, Adinda
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10438

Abstract

This research stems from the phenomenon of the still low market share of Islamic banking compared to conventional banking in Indonesia. The study aims to examine the factors influencing preferences for Islamic banking products using exogenous variables including knowledge, trust, and the quality of Islamic banking product services, as well as demographic characteristics (gender and education level) as moderating variables. The research method employs SEM-PLS and Multigroup Analysis, with primary data collected from respondents of Islamic banks in Tarakan city, North Kalimantan. The research findings confirm that knowledge, trust, and the quality of product services positively enhance consumer preferences for Islamic banking products. Gender and education level are not moderators in the influence of knowledge, trust, and product service quality on consumer preferences for Islamic banking products. These research findings lend support to the consumer behavior theory that elucidates the process by which individuals decide which product becomes their primary preference in decision-making.
Analisis Strategi Pendayagunaan Aset Wakaf Pada Persyarikatan Muhammadiyah Rohman, Bahrul
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10442

Abstract

This study presents the utilization strategy of waqf assets in the Muhammadiyah Association, Muhammadiyah Association is a non-profit organization engaged in various fields including social, religious, education and others. Waqf assets managed by Muhammadiyah become a huge potential so that strategies are needed waqf in Muhammadiyah can be optimized to the maximum. The purpose of this research is to prioritize the strategies proposed by waqf experts for Muhammadiyah. The method used in this research is a qualitative method with a Strengths, Weaknesses, Opportunities and Threat (SWOT), analysis approach with an analytical tool using the Analytic Network Process method to provide a classification of alternatives given by waqf experts. In this method, the strength factor, namely waqf assets Sabang to Merauke, is more dominant than the presence of supporting regulations, from the weakness factor it is found that limited human resources have the most influence on Muhammadiyah's weaknesses. Meanwhile, from the opportunity factor, the ability of the nazir to get results is more dominant, and Muhammadiyah's biggest threat is the number of waqf assets in private names. So that the main strategy carried out is to maximize opportunities, namely increasing the professionalism of Nazir.
Penerapan Akad Musyarakah Mutanaqisah Pada Perumahan Syariah Aster Village Ciwastra Menggunakan Produk Pembiayaan Kredit Bank Syariah Indonesia Utama, Sofyan Mei; Farid, Diana; Abdulah Pakarti, Muhammad Husni; Mabruri, Kemal Al Kautsar; Rohman, Hilma Fanniar
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

House sale and purchase transactions in the context of sharia have become a major concern in the development of Islamic economic models that are based on the principles of justice, equality, and compliance with Islamic law. One of the contracts proposed to fulfill these principles is the Musyarakah Mutanaqisah Agreement. This study aims to analyze the application of the Musyarakah Mutanaqisah Agreement on home ownership loans in aster village Islamic housing where the implementation of credit is carried out through a Bank mechanism in this case Bank Syariah Indonesia (BSI). The research method used is a qualitative approach with a case study approach. Data were obtained through interviews with related parties, analysis of transaction-related documents, and review of related literature. The results showed that the implementation of the Musyarakah Mutanaqisah contract in BSI Griya Hasanah financing has two contracts in it (hybrid contract). The first is that banks and customers cooperate (syirkah / musyarakah) to buy an asset, so the musyarakah contract in BSI Griya Hasanah financing is only limited to cooperation in the ownership of an asset. The second is ijarah. The asset that becomes the object of financing is leased (ijarah) to the customer with a rental payment which is assumed to be a profit that will be divided between the bank and the customer according to a predetermined ratio. The profit sharing obtained by the bank will be considered as profit for the bank. Meanwhile, the profit sharing received by the customer is diverted to buy the bank's hishah portion. Not only is there more than one contract, in this BSI Griya Hasanah financing scheme there are also two agreement contracts. The first agreement contract contains the Musyarakah Mutanaqisah contract itself, and the second agreement contract contains ijarah.
EFEKTIVITAS PENERAPAN UU. No. 13 TAHUN 2011 PADA PENANGANAN FAKIR MISKIN DALAM PERSPEKTIF EKONOMI ISLAM DI DINAS SOSIAL KABUPATEN BEKASI Nurhasanah, Putri; Achmad, Yudianto; Ainulyaqin, Muhammad Hamdan; Edy, Sarwo
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10487

Abstract

This research reveals a form of the effectiveness of the application of Law no. 13 of 2011 on handling the poor in an Islamic economic perspective at the Bekasi District Social Service seen from five indicators which include program understanding, right on target, on time, achieved goals, real changes. The findings of this study, among other things, revealed that the three indicators of effectiveness carried out by the Social Service of Bekasi Regency, namely understanding of the program, being on time, the real changes that have been explained in the discussion show that the application of Law No. 13 of 2011 in handling the poor in the Social Service of Bekasi Regency indicates the criteria "Effective". However, on the other two indicators of effectiveness, namely being right on target, achieving the objectives in the discussion, it shows that the application of Law No. 13 of 2011 to the handling of the poor at the Social Service Office of Bekasi Regency shows the criteria "Not Yet Effective". Furthermore, regarding the effectiveness of the implementation of Law no. 13 of 2011 on handling the poor in an Islamic economic perspective explains that showing the criteria of "Effective" is in accordance with an Islamic economic perspective.
Perspektif Ekonomi Islam tentang Masyarakat Kesejahteraan dan Keadilan Sahla, Hilmiatus; Nasution, Muhammad Yasir; sugianto, sugianto
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10500

Abstract

This study aims to determine the concept of society from the perspective of Islamic Economics. The research method used is descriptive qualitative, with secondary data sources obtained from books and journal articles. The results of this study explain that the concept of community was built sby Rasulullah SAW when he was in Medina with the concept of the ummah, which was recorded in the Medina charter. Some of the characteristics are the characteristics of the aspired society (civil society). These characteristics are a democratic society that upholds and highly respects human rights, a society with a high commitment to upholding the law, and a professional society. The axiological aspect of Islamic economics on the concept of society, namely Islamic economics, explains that every activity in society is based on devotion to Allah SWT. By prospering the earth, then in the economy, Muslims must prioritize harmony and preservation of nature. The orientation of happiness in Islam is happiness in this world and the hereafter
Mempercepat pertumbuhan UMKM melalui model waralaba dalam perspektif hukum ekonomi syariah Fadillah, Naufal Fadillah
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10503

Abstract

Franchising is a popular business model in various industry sectors because it allows entrepreneurs to expand their business quickly through partnerships using established trademarks, products and operational systems. In the perspective of Islamic economic law, franchising with its various advantages has the potential to become an economic instrument that contributes to the development of an economy based on Islamic principles. Several principles in Islamic economics such as profit sharing, prohibition of usury, and avoidance of gharar (uncertainty) are principles that can be applied to franchising activities because they do not contradict general economic principles. This study is a legal study of Islamic economics with a statute approach and interprets existing data and legal documents so as to obtain information that UMKM as businesses with the scope of micro, small and medium which are currently the mainstay of the Government because they are considered able to survive amid the economic crisis can develop quickly because they make franchising a model in doing business.

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