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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 1,927 Documents
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Dari Bantuan ke Kemandirian: Efektivitas Zakat Produktif dan Pendampingan dalam Meningkatkan Kesejahteraan Mustahiq Noka, Isara Abda; Wardiana, Hesti; Ibnu, Ibnu
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 influence of productive zakat utilization and mentoring on the welfare of mustahiq (zakat recipients) at the Baitul Mal of Bener Meriah Regency. Productive zakat is viewed as an important instrument for promoting the economic independence of recipients, while mentoring is expected to strengthen their managerial capacity and business sustainability. This research employs a quantitative descriptive approach with a population of 100 mustahiq and a sample of 50 respondents selected through a simple random sampling technique. Data were collected using questionnaires and analyzed through multiple linear regression with the assistance of SPSS version 18. The results show that productive zakat utilization has a positive and significant effect on the welfare of mustahiq (t-count 4.104 > t-table 2.014), whereas mentoring has no significant effect (t-count 1.136 < t-table 2.014). However, both variables simultaneously have a significant influence on mustahiq welfare (F-count 9.378 > F-table 2.802) with a coefficient of determination of 28.5%. These findings indicate that the effectiveness of productive zakat programs can be enhanced when accompanied by more intensive and continuous mentoring. The study provides practical implications for zakat management institutions to strengthen the mentoring aspect in their economic empowerment programs.
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 .
Model Perubahan Sosio-Teknikal untuk Transformasi Digital: Integrasi Kapabilitas Dinamis, Komunikasi Legitimasi, dan Maqasid Syariah dalam Organisasi Keuangan Syariah Kusworo
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.v11i06.18627

Abstract

Digital transformation in Islamic financial institutions requires a change approach that integrates technological advancement with Islamic governance principles and the objectives of maqasid al-shariah. This study employs a Systematic Literature Review (SLR) using the PRISMA protocol to identify a socio-technical change structure suitable for sharia-based organizations. Literature searches were conducted across Scopus, Web of Science, and ScienceDirect, followed by a four-stage screening process and a methodological Quality Assessment to ensure rigor and consistency. Findings from ten core articles reveal that effective digital transformation is driven by a set of interrelated mechanisms: dynamic capabilities functioning as strategic drivers; communication legitimacy that reinforces clarity, trust, and organizational amanah; resistance management that accounts for psychological and cultural dynamics; and collective resilience formed through adaptive organizational capacities. Within the Islamic framework, these mechanisms support the attainment of hifz al-mal (protection of assets and data), hifz al-nafs (user safety and well-being), and hifz al-‘irdh (preservation of dignity and privacy). This study proposes an integrated conceptual model demonstrating that digital transformation in Islamic institutions must harmonize technological systems, human readiness, and maqasid al-shariah values as the foundation of sustainable governance. The model contributes theoretically to Islamic economics scholarship and offers practical guidance for sharia-compliant digitalization initiatives. Keywords: digital transformation; dynamic capabilities; socio-technical change; maqasid al-shariah; communication legitimacy; organizational resilience.

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