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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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Transformasi Digital dalam Keuangan Islam: Peluang dan Tantangan Sudarmanto, Eko; Yuliana, Indah; Wahyuni, Nanik; Yusuf, Sitti Rabiah; Zaki, Ahmad
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11628

Abstract

This research aims to explore the impact of digital transformation in the Islamic finance sector, discussing the opportunities and challenges that arise with the adoption of digital technologies. The study utilizes a qualitative method with literature review approach. Digital transformation includes the implementation of innovations such as financial technology (fintech), blockchain, and artificial intelligence within the context of Sharia-compliant finance. The results of the discussion present a comprehensive overview of how digitization affects Islamic financial products and services, considering the potential for increased operational efficiency, financial inclusivity, and more effective adherence to Islamic financial principles. Meanwhile, challenges such as data security, regulations, and market acceptance are also outlined, emphasizing the efforts required to optimize the benefits of digital transformation in the realm of Islamic finance.
Analisis Bankir Syariah sebagai Nazir Wakaf Uang Pada Bank Syariah di Indonesia) Ishandawi, Ishandawi; Hakim, Atang Abdul; Muharni, Yusraini
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11670

Abstract

Tujuan penelitian untuk mengkaji peluang perbankan syariah menjadi Nazir wakaf Uang Mengkaji keunggulan bankir syariah sebagai Nazir wakaf Uang. Objek penelitian adalah perbankan syariah di Indonesia, Metode Penelitian kualitatif, informan penelitian stakeholder perbankan syariah dengan kolektif data berupa wawancara dan data dokumentasi. Analisis data menggunakan deskriptif kualitatif. Penelitian menggunakan stakeholder theory dan agency Theory. Hasil penelitian membuktikan bankir perbankan syariah sangat berpeluang mengelola dana wakaf uang secara profesional sehingga dapat membentuk dana abadi dan merupakan sumber dana murah bagi perbankan syariah. Keuntungan Bankir syariah sebagai wakaf uang pertama dikelola oleh Lembaga profesional dan kredibel. Kedua Meningkatkan kepercayaan wakif untuk menyalurkan dana wakafnya. Ketiga Memiliki tingkat risiko rendah karena dikelola secara profesional dan akuntabel. Keempat Memberikan jaminan kepada maukuf alaih sebagai orang yang berhak menerima manfaat dari wakaf uang. Implikasi penelitian Sebagai inovasi produk baru menghimpun dana Masyarakat dalam bentuk dana abadi dan sumber dana murah sehingga memberikan keuntungan ganda bagi perbankan syariah produk penghimpunan dana abadi dan murah ini tidak dimiliki oleh perbankan konvensional. Limitasi penelitian ini, terkendala dengan regulasi sehingga bankir syariah belum dapat menjalankan fungsi nazir wakaf uang, sehingga dihimbau kepada stakeholder dapat seperti Otoritas jasa Keuangan, Badan wakaf Indonesia dan praktisi perbankan untuk mendorong regulasi menjadikan bankir syariah sebagai nazir wakaf uang. Keywords: Nazir wakaf uang, Bankir Syariah, Teori stakeholder dan teori agensi
Wallet Digital Cross-Generation in the Acceleration of Digital Economic Transformation Laksamana, Rio
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11672

Abstract

The phenomenon of digital wallets as electronic payment transaction tools is primarily due to changes in people's lifestyles, leveraging technological advancements, and various advantages, which consequently influence the decision to use digital wallets compared to other options. These digital wallet products are regulated through the regulations and rules established in Bank Indonesia Regulation No. 18/40/PBI/2016 and Bank Indonesia Circular Letter No. 18/41/DKSP regarding Payment Transaction Processing Implementation. Indonesia is ranked as the fourth most populous country with a population of 277.7 million people, and it is also one of the world's largest populations of internet users, totaling 204.7 million internet users in the country as of January 2022, or 73.7% of the entire Indonesian population. The aim of this research is to identify the differences in digital wallet usage frequency based on demographic factors, users' perceptions of digital wallets, and respondents' views on their interest in digital wallets in the future. The research method employs a direct field survey with a quantitative descriptive approach. The results indicate that the frequency of digital wallet usage is still low and uneven, while users' perceptions and interest in digital wallets are high. The findings of this research corroborate the findings of previous studies.
Pengaruh Profitability dan Corporate Governance Terhadap Nilai Perusahaan dengan Corporate Social Responsibility Sebagai Variabel Mediasi Perpektif Ekonomi Islam (Studi Pada Perusahaan Manufaktur di Bursa Efek Indonesia Tahun 2019-2021) Tiffani, Irzha Maulya; Wahyudi, Sugeng
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.11693

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis pengaruh profitabilitas dan tata kelola perusahaan terhadap nilai perusahaan dan untuk menguji peran efek mediasi dari tanggung jawab sosial perusahaan (CSR). Data terkait variabel penelitian dikumpulkan dari laporan tahunan pada website perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia dan Bloomberg. Pengujian hipotesis dilakukan dengan menggunakan Smart PLS. Selama periode 2019-2021 menemukan bahwa profitabilitas berpengaruh terhadap nilai perusahaan, tata kelola perusahaan berpengaruh signifikan terhadap nilai perusahaan dan tanggung jawab sosial perusahaan berpengaruh signifikan terhadap nilai perusahaan. Namun profitabilitas dan tata kelola perusahaan berpengaruh terhadap tanggung jawab sosial perusahaan. Selain itu, CSR juga berperan memediasi pengaruh profitabilitas terhadap nilai perusahaan dan tata kelola perusahaan terhadap nilai perusahaan.
Optimizing Sharia Bank Digitalization Efforts to Improve the National Economy and Human Resources in the Industrial Era 4.0 Andiansyah, Farma; Rini, Endang Sulistya; Absah, Yeni
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11732

Abstract

The movement of the community's economic structure experienced a very drastic decline in line with the spread of the COVID-19 virus. The Covid-19 pandemic has become a driving force for digitalization in almost all sectors, including payment systems. Digitalization of the payment system is considered to be the key to accelerating national economic recovery in addition to the COVID-19 vaccination program. This research aims to find out how the Digitalization of Sharia Banks Promotes National Economic Recovery during the COVID-19 pandemic. The research method used by the author in preparing this article is a literature review or literature study that contains theories that are relevant to the research problems. Several digital services can be put forward to encourage the acceleration of increasing sharia financial inclusion in Indonesia such as digital payment systems, peer-to-peer lending, and branchless banking. Increasing Sharia financial inclusion itself is carried out because it has a direct impact on improving the welfare of people who use digital-based Sharia financial services and products. Digitalization of Sharia banking can be the key to encouraging national economic recovery. The convenience of digital transaction services facilitates bank transaction activities amidst the limited mobility of community activities. So it cannot be denied that the Sharia banking industry has experienced an increase through digital banking services even though it has been hit by a crisis due to the COVID-19 pandemic.
The Effect Of Entrepreneurship Competence And Islamic Business Ethics On The Performance Of Micro And Small Enterprises (SMEs) Makassar Soumena, Fadly Yashari
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11733

Abstract

The objective of this study is to (1) investigate the effect of entrepreneurial skills on the performance of micro and small enterprises (MSEs) in Makassar, (2) explore the implications of Islamic business ethics on the performance of MSEs in Makassar. The primary data were collected using questionnaires and multiple regression analysis. The population of this study were all participants of MSEs in Pasar Cidu, Makassar, and the sample used in this study consisted of 40 representatives, and the data obtained were analyzed by IBM SPSS Statistics 26. The results of this study indicate that (1) several business skills have a significant influence on the performance of SMEs, (2) some Islamic business ethics have a significant influence, and (3) both variables concurrently have a significant impact on the performance of SMEs in small and medium enterprises. So far, research findings suggest that entrepreneurial competence and Islamic business ethics strongly influence the performance of SMEs in Makassar. The significance of this study is to show that entrepreneurial ability has a substantial impact on the performance of SME participants. Likewise, Islamic business ethics influence consumers in making a purchase decision.
Pengaruh Likuditas dan Leverage Terhadap Financial Disress Pada Perusahaan Sektor Consumer non-cyclicals Yang Terdaftar pada Indeks Saham Syariah Indonesia di Bursa Efek Indonesia pada tahun 2018-2022 Dengan Profitabilitas Sebagai Variabel Intervening Ardiansyah, Putra
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11737

Abstract

Financial distress is carried out to get an early warning of bankruptcy. The earlier warning indicators of bankruptcy appear, the greater the opportunity for management to prevent it. This research aims to: (1) identify and analyze the influence of liquidity (current ratio) and Leverage (debt to asset ratio) and profitability (return on assets) on Financial distress; and (2) identify and analyze the influence of liquidity (current ratio) and Leverage (debt to asset ratio) on Financial distress and profitability (return on assets) to mediate their respective influences. Research on non-cyclical consumer sector companies listed on the IDX in 2018-2022. The research population was 119 companies with a sample of 23 companies. The model for determining Financial distress used is the Zmjiweski model. Statistical analysis in this research was assisted by SmartPls Partial Least Square (PLS).Based on the results of the research and discussions that have been carried out, the research results can be concluded that liquidity has a significant and influential effect on Financial distress. Leverage has a significant and influential effect on Financial distress. Profitability has a significant influence on Financial distress and profitability is unable to mediate the influence of liquidity on Financial distress. Meanwhile, profitability is unable to mediate the effect of Leverage on Financial distress. Keywords liquidity, Leverage, Financial distress, profitability
Factors Influencing Sharia Digital Banking Utilization by Millennial Generation in Indonesia Sarifah, Siti
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11739

Abstract

This study aims to analyze factors influencing sharia digital banking utilization by using modified Technology Acceptance Model (TAM) approach. The data in this study were collected through questionnaires distributed online. The sample used in this study was 125 millennial respondents who used Jago Syariah Bank and Aladin Syariah Bank. In this study, the data is analyzed by using structural equation model analysis with the SmartPLS 3.2.9 analysis tool. The results showed that perceived ease of use, self-efficacy, and consumer innovativeness positively and significantly affect sharia digital banking utilization. However, there are some variables that have no significant effect, which are, perceived usefulness and subjective norms.
Pengaruh Pembiayaan Terhadap Profitabilitas (ROA) Pada Bank Umum Syariah Di Indonesia (2017-2022) Nungcahyani, Suci; Wahyudi, Agung
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11748

Abstract

This study aims to show the effects of mudharaba financing, musharaka financing, and ijara financing as well as partially and stimulants the profitability of Return On Asset (ROA) at Sharia Commercial Banks (BUS) in Indonesia. This study is quantitative research using secondary data in the form of panel data. The population used in the study is 13 Sharia Commercial Banks in Indonesia. Sample collection used a purposive sampling so that 5 bank units according to the criteria with a total of 120 sample data are obtained. As for data analysis techniques using model selection methods, classical assumption tests, panel data regression, and hypothesis tests. The results of the research show that partial mudharaba financing has no effect and is not significant on ROA on BUS. Musyaraka financing has a positive and significant effect on ROA in BUS. Ijarh financing has a negative and significant effect on ROA on BUS. Meanwhile, the stimulant financing of mudharaba, musyaraka, and ijara has a significant effect on ROA on BUS.
Pengaruh Kebijakan Moneter dan Makroprudensial terhadap Risiko Kredit di Bank Umum Syariah Periode 2018-2022 Ambawani, Firdaina Nanda Puan; Wahyudi, Agung
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11749

Abstract

Abstract The impact of the financial crisis at the end of 2008 resulted in the financial sector losing its ability to mitigate risk, in turn causing increased credit risk. The aim of the study is, of course, to understand the impact of monetary policy and macroprudential on credit risks in Indonesia's non-allocation financing (NPF). The study USES the data panel that has been processed through eviews 10 and applied with multiple linear regression analysis, specifying five different types of cellular general Banks that fit the criteria as a sample of observation during the 2018-2022 period. Research shows that bi rate as a monetary policy proxy and mandatory minimum requirement (GWM) as a macroprudensian policy proxy does not significantly affect credit risk. However, those capital inequality ratios have a significant negative impact on credit risk, while those variables financing to depositite ratios have significant positive effects on credit risk. Monetary policy and macroprudencies are crucial to systemic risk, particularly credit risk in the financial sector, especially at sharia general bank.

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