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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 2,313 Documents
Tinjauan Sistematis Tentang Integrasi Keuangan Digital dalam Pasar Keuangan Syariah: Risiko dan Tantangan Dzil Jalal, A M Fadli; Rosyadi, Imron; Syamsul Hidayat
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

This study aims to identify and analyze the challenges and risks faced in the integration of digital finance in the Islamic financial market. The phenomena studied focus on regulatory uncertainty, limited digital infrastructure, and the difficulty of ensuring sharia compliance in the development of Islamic fintech products. The research approach used is the Systematic Literature Review (SLR) by following the PRISMA protocol to ensure the accuracy of literature selection. Data were collected from the Scopus and Web of Science databases, with publication criteria in the last eight years (2017–2025). A total of 23 selected articles were analyzed using thematic and narrative techniques. The results of the study indicate that the main challenges in the development of Islamic digital finance include regulatory asynchronous, limited public literacy, digital infrastructure gaps, and limited DPS (Sharia Supervisory Board) competence in technology supervision. The identified risks include the risk of sharia non-compliance, the risk of losing market trust, data security risks, and the risk of innovation stagnation due to delays in technology adaptation.
DIGITALISASI EMAS DALAM PERSPEKTIF SYARIAH: STUDI PADA EKOSISTEM BULLION BANK INDONESIA Masrur, Ahmad Rajaul Masrur; Holis, Moh; Musoffan
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

This study aims to analyze the implementation of gold digitalization within the Bullion Bank ecosystem from a sharia perspective. The research is motivated by the rapid advancement of financial technology and the rising public interest in digital gold investment as a secure and sharia-compliant asset. Using a qualitative descriptive approach with a case study method, data were collected through interviews, document analysis, and literature review. The findings reveal that Bullion Bank integrates blockchain technology, sharia-compliant contracts (akad), and physical gold custodianship to ensure transparency and asset-backing (tangible underlying). The system complies with key sharia principles, such as avoiding riba (interest) and gharar (uncertainty), and ensuring qabdh hukmi (legal possession). Moreover, the application of smart contracts within blockchain technology strengthens transaction validity and ownership records in accordance with Islamic law. However, challenges remain in harmonizing regulations, conducting periodic sharia audits, and improving consumer literacy regarding digital gold ownership. The study contributes to the academic discourse on Islamic fintech by demonstrating how modern financial innovation can align with fiqh muamalah. It also offers strategic insights for regulators and industry stakeholders to develop sustainable, transparent, and sharia-compliant digital gold ecosystems in Indonesia. Keywords: digital gold, sharia, Bullion Bank, blockchain, Islamic fintech
THE EFFECT OF HALAL CERTIFICATION ON BRAND LOYALTY BY MEDIATION OF PURCHASE INTENTION TOWARDS LOCAL INDONESIAN PRODUCTS : THE CASE OF GEN-Z INDONESIA MALAYSIA BORDER Sinaga, Samuel; Astika, Sri; Nasrudin, Abdul Rohman
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

Indonesia, as the country with the largest Muslim population in the world, places great importance on halal certification in its food industry. The halal certification issued by the Indonesian Ulema Council (MUI) serves as official proof that food products comply with Islamic law, and it has become a key requirement for producers operating in this sector. This study aims to analyze the influence of Halal Certification on Brand Loyalty, both directly and indirectly through Purchase Intention as a mediating variable. Focusing on domestic consumers in a predominantly Muslim market, the research employs path analysis to examine the relationships among these variables. The findings show that Halal Certification positively and significantly affects both Purchase Intention and Brand Loyalty, while Purchase Intention also has a positive and significant impact on Brand Loyalty, confirming its mediating role. These results suggest that halal-certified products enhance consumer trust, stimulate purchasing intentions, and build long-term loyalty toward the brand. Consequently, Halal Certification emerges as a strategic element for strengthening brand competitiveness and consumer confidence in Indonesia’s food industry.
Game-Based Learning in Teaching Islamic Banking: A Role-Play Approach to Enhance Students’ Engagement and Understanding Among Sharia Economics Students Fitria, Tira Nur
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i06.18485

Abstract

This research describes the use of Game-Based Learning (GBL), specifically through a role-play approach, in teaching Islamic banking concepts to Sharia Economics students. This study aims to understand how role-play activities—such as acting as a teller, customer role-play, and customer service–customer role-play simulation in simulated Islamic banking transactions. This study adopts a library research design to examine the effectiveness of GBL through role-play simulations in Islamic banking education by analyzing and synthesizing findings from previous empirical studies conducted between 2015 and 2025 in the field of Sharia Economics. The author selected the Teller–Customer and Customer Service–Customer simulations because these roles represent the essential front-line interactions in Islamic financial institutions, where ethical service, effective communication, and strict Sharia compliance are fundamental. Through these real-world simulations, the study successfully transformed traditional, theory-based classroom instruction into a practice-oriented and ethically grounded learning experience. This approach enabled students to develop not only technical competence in Sharia-based financial transactions but also the moral awareness and interpersonal skills necessary for professional performance in the Islamic finance industry. The Teller–Customer simulation provided an interactive, experiential learning environment that connected theoretical Islamic financial concepts with practical application. Students performed realistic teller–customer interactions in a simulated Sharia banking setting, engaging in tasks such as account opening, zakat deposits, and murābaḥah financing. This hands-on experience allowed them to apply Islamic ethical principles such as amānah (trust), ʿadl (justice), and ikhlāṣ (sincerity) in real communication and transaction scenarios. Under instructor supervision, the simulation developed students’ technical competence in handling Islamic banking operations and soft skills such as empathy, communication, and professionalism. Reflection sessions reinforced their moral reasoning, honesty, and fairness, transforming the classroom into a space for both intellectual and ethical growth. Similarly, the Customer Service–Customer simulation immersed students in realistic Sharia-compliant service interactions, emphasizing the integration of knowledge (‘ilm), practice (‘amal), and ethics (akhlāq). Students alternated between the roles of Customer Service Officers (CSOs) and Customers to experience firsthand the values and practices of Islamic banking professionalism. Guided by instructors acting as Sharia supervisors, they engaged in scenarios like product inquiries, complaint resolution, and financing guidance while upholding Islamic communication ethics (adab al-khithāb). The simulation improved students’ mastery of Islamic banking concepts—such as murābaḥah, mudārabah, and wadi‘ah—while fostering ethical traits like honesty, justice, and compassion. Both simulations demonstrated that Game-Based Learning (GBL) through role-play effectively bridges theory and practice, nurturing competence, confidence, and moral integrity in students preparing for careers in Islamic financial institutions.
Analysis of the Influence of Financial Literacy and Financial Inclusion on Use of Financial Technology (Fintech) (Case Study of Islamic Bank Customers ) Muhammad Aldrian Oktofa; Tuti Anggraini
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i05.18590

Abstract

This research is motivated by the rapid development technology digital finance ( financial technology or fintech ) which also change behavior customers in accessing and utilizing service finance , including in the sector Islamic banking . However , the high fintech adoption doesn't always work along with level literacy and inclusion finance society , especially Islamic bank customers who have characteristics and preferences special based on Sharia principles . Formulation The problem in this research is focused on the question : (1) What is the influence of financial literacy to use of fintech by sharia bank customers ? (2) How is the influence financial inclusion to use of fintech by Islamic bank customers ? and (3) What are financial literacy and financial inclusion? in a way simultaneous influential significant to use of fintech by sharia bank customers ? The purpose of This research is to analyze in a way in-depth how the level literacy finance and inclusion finance influence pattern use fintech services by Islamic bank customers , as well as to identify connection simultaneous between​ second variables independent the to variables dependent . This study uses approach qualitative with method studies bibliography and descriptive-analytical , which examines various primary and secondary sources , including research results previous studies , scientific journals , and academic books relevant . Research result shows that good financial literacy and financial inclusion own influence positive and significant to the use of fintech by sharia bank customers is good in a way partial and simultaneous . Literacy level adequate finances​ help customers understand risks and benefits fintech services , as well as making decisions smart finance . Meanwhile​ that , level inclusion good finances​ open wider access​ to products and services finance digital- based . Combination both of them push improvement optimal adoption of fintech in the context Islamic banking , in line with findings study previously stated that the ability individuals in understanding information finance as well as access to institution finance are two factors crucial in acceleration transformation digital finance .
UNSUR RIBA & GHARAR DALAM PEER-TO PEER LENDING: TINJAUAN FIQH EKONOMI TERHADAP FINTECH INDONESIA Oktaviani Okta; Ahmad Wira; Duhriah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i06.18393

Abstract

Fokus penelitian ini adalah untuk mengkaji unsur-unsur riba (riba) dan gharar (ketidakpastian) yang terdapat dalam layanan pinjaman peer-to-peer (P2P) dalam industri fintech Indonesia dari perspektif yurisprudensi ekonomi Islam (fiqh al-iqtisad al-Islami). Tujuan penelitian ini adalah untuk mengidentifikasi jenis-jenis riba dan gharar yang muncul, mengevaluasi kesesuaian mekanisme kontrak dan struktur biaya dengan prinsip-prinsip fiqh muamalah, dan menganalisis peran regulasi dan pengawasan syariah dalam memastikan bahwa operasi fintech P2P mematuhi prinsip-prinsip Islam. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan tinjauan pustaka, memanfaatkan sumber data primer dan sekunder. Temuan penelitian mengungkapkan adanya riba dalam bentuk bunga tetap dan penalti otomatis, serta risiko ambigu yang termasuk dalam kategori gharar. Lebih lanjut, regulasi dan pengawasan syariah belum sepenuhnya efektif dalam mengekang praktik-praktik tersebut. Penelitian ini memberikan kontribusi terhadap kemajuan yurisprudensi ekonomi Islam digital dengan menawarkan rekomendasi kebijakan untuk meningkatkan kerangka regulasi dan model bisnis fintech yang sejalan dengan prinsip-prinsip syariah, sekaligus memperkuat literasi keuangan Islam di kalangan masyarakat Indonesia.
Perancangan Konsep Global Santri Tetrapreneur sebagai Sistem Kewirausahaan di Pondok Pesantren dengan Mengadopsi Model Tetrapreneur Hidayat, Syamsul; P.L. Rika Fatimah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i06.18429

Abstract

Penelitian ini membahas perancangan sistem kewirausahaan di pondok pesantren dengan mengadopsi model Tetrapreneur, khususnya konsep Santritetrapreneur. Pondok pesantren, sebagai lembaga pendidikan Islam tertua di Indonesia, memiliki peran penting tidak hanya dalam pendidikan agama, tetapi juga dalam pemberdayaan ekonomi lokal. Dengan jumlah lebih dari 28.000 pesantren di seluruh Indonesia, institusi ini memiliki potensi besar untuk berkontribusi dalam pembangunan ekonomi melalui integrasi pendidikan kewirausahaan dalam kurikulumnya. Model Santritetrapreneur memperkenalkan empat komponen utama: Chainpreneur, Marketpreneur, Qualitypreneur, dan Brandpreneur, yang masing-masing berfokus pada pengembangan keterampilan yang berbeda namun saling melengkapi untuk membentuk wirausahawan yang tangguh. Penelitian ini mengemukakan bahwa pengintegrasian keterampilan kewirausahaan dengan pendidikan agama dapat membekali santri dengan pengetahuan dan nilai-nilai yang diperlukan untuk menjadi wirausahawan yang sukses dan beretika. Selain itu, penelitian ini juga menyoroti pentingnya membangun ekosistem bisnis yang berkelanjutan di dalam pesantren, yang tidak hanya menghasilkan kemandirian finansial bagi lembaga tersebut, tetapi juga memberikan dampak positif bagi masyarakat sekitar. Perancangan sistem kewirausahaan konseptual ini bertujuan untuk memberdayakan pesantren agar dapat menjadi aktor utama dalam pengembangan spiritual dan ekonomi komunitas mereka.
Analisis 1 Dekade Pengaruh Belanja Pemerintah pada Indikator Keberhasilan Ekonomi Pembangunan dengan Perspektif Islam di Indonesia Ahmad Suhail Alhazimi
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Anggaran Belanja Pemerintah (XBG) terhadap pencapaian Indeks Pembangunan Manusia (IPM) berperspektif Islam atau Islamic Human Development Index (IHDI) berbasis Maqashid Syariah dengan pendekatan kuantitatif. Menggunakan data sekunder dari Badan Pusat Statistik (BPS), World Bank (WB), dan BAZNAS selama periode 2014–2023, penelitian ini menguji sebelas model regresi linear sederhana (OLS) untuk menilai pengaruh XBG terhadap setiap indikator IHDI yang merepresentasikan lima dimensi maslahah, yaitu ad-din (agama), an-nafs (jiwa), al-aql (intelektualitas), an-nasl (keturunan), dan al-mal (harta). Setiap variabel maslahah dikonstruksi berdasarkan kerangka teori pembangunan manusia dengan perspektif Maqashid Syariah. Hasil analisis menggunakan EViews 12, setelah melalui uji asumsi klasik, menunjukkan bahwa XBG berpengaruh signifikan terhadap lima variabel, yaitu: (1) tingkat kelahiran, (2) Gini Ratio, (3) GDP per kapita, (4) angka partisipasi sekolah, dan (5) tingkat kriminalitas. Namun, XBG tidak menunjukkan pengaruh signifikan terhadap empat variabel lainnya, yaitu: (1) indeks persepsi korupsi, (2) tingkat pengangguran, (3) tingkat kemiskinan, dan (4) tingkat pengumpulan zakat. Temuan ini mengindikasikan bahwa efektivitas belanja pemerintah lebih terlihat pada dimensi pembangunan yang memerlukan intervensi langsung negara, sementara pada aspek-aspek yang bersifat kompleks seperti korupsi, ketenagakerjaan, dan keagamaan, diperlukan pendekatan yang lebih holistik dan multidimensional.
ETIKA DAN KEPATUHAN HUKUM DALAM PRAKTIK PEMBIAYAAN SYARIAH DI ERA FINTECH M. Ilham; Nurhayati; Muhammad Albahi; Kiki Hardiansyah Siregar
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i06.18447

Abstract

Abstract The development of financial technology (fintech) has brought significant transformation to the global financial system, including Islamic financing. Digital innovation creates major opportunities to expand access to Sharia-based financial services while also presenting new challenges regarding ethics, legal compliance, and adherence to Islamic principles. This study aims to analyze the relationship between ethics, legal compliance, and the implementation of Sharia principles in fintech-based financing practices in Indonesia. Using a qualitative-descriptive approach within a normative-empirical framework, the research examines regulations issued by the Financial Services Authority (OJK), fatwas of the National Sharia Council–Indonesian Ulema Council (DSN-MUI), and relevant literature on Islamic economics and law. The findings indicate that the integration between ethics and law in Islamic fintech still faces challenges such as regulatory and supervisory gaps. Therefore, an integrated compliance governance framework and the application of maqāṣid al-syarī‘ah principles are needed as the foundation for technological design, ensuring that fintech innovation is not only efficient and legally compliant but also just, ethical, and sustainable. Keywords: Islamic fintech, ethics, legal compliance, maqāṣid al-syarī‘ah
Implementasi Wakaf Profesi dalam Perspektif Maqasid al-Syariah: Studi Kasus di Pondok Modern Darussalam Gontor Putri Imam Kamaluddin; Eko Nur Cahyo; Khurun’in Zahro’; Mizan Sul Amalia Latjuba
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i06.18471

Abstract

This study aims to analyze the implementation of professional waqf at Pondok Modern Darussalam Gontor for Girl from the perspective of Maqasid al-Syariah. Professional waqf is understood as a form of empowerment of individual skills potential that are donated for the benefit of education, da'wah, and community development. This study seeks to explore how the principles of Islamic law and the objectives of sharia (maqasid), especially hifz al-'aql, hifz al-nafs, and hifz al-māl are actualized in the practice of managing and implementing professional waqf in the Islamic boarding school environment. This study uses a qualitative approach with a descriptive-analytical research type. Data were collected through in-depth interviews with caretakers, waqf managers, and teachers as actors in professional waqf, as well as a documentary study of the internal regulations of the Islamic boarding school and literature related to waqf law. Data analysis was carried out through the stages of reduction, presentation, and drawing conclusions with verification of Islamic legal theory and the concept of maqasid al-Sharia as an analytical framework. The research results show that the implementation of professional waqf at Pondok Modern Darussalam Gontor for Girls reflects the principles of maqasid al-sharia through professional service oriented towards the welfare of the community, educational sustainability, and institutional independence. Although not yet formalized in positive law, this practice has strong sharia legitimacy as a contemporary waqf innovation in Islamic education.

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