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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 2,287 Documents
Bisnis Multi Level Marketing (MLM) dalam Pandangan Islam Tira Nur Fitria
Jurnal Ilmiah Ekonomi Islam Vol. 2 No. 02 (2016): Jurnal Ilmiah Ekonomi Islam, Vol. 02, No. 02, Juli 2016
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v2i02.47

Abstract

This study aims to find out about MLM (Multi Level Marketing) in Islamic view (Islamic law). This research is qualitative descriptive. This study included literary research to examine the written sources such as scientific journals, book references, literature, encyclopedias, scientific articles, scientific papers and other sources that are relevant and related to the object which is being studied. As for the object of study of this research is form of texts or writings that describe and explain about MLM that be popular in Indonesia. Results of this study is Islamic law permit MLM as long as not contrary with Islamic law. However, if it is contrary with Islamic law, so MLM is forbiden. Islam has principles on the development of business systems that must be free of elements dharar (danger), jahalah (vagueness) and zhulm (detrimental or unfair to one party). The system of bonuses to be fair, do not oppress and do not only benefit the people. Businesses also must be free from the element of gambling, oppression, fraud, unclean, riba (interest), vanity etc. If we want to develop a MLM business, it should be free from those elements above. Therefore, the goods or services are commercialized and ordinances sales must be halal, no haram and doubtful, and not in conflict with the principles of Shari'ah above. Keywords: Business, MLM (Multi Level Marketing), syariah’
Analisis Penilaian Tingkat Kesehatan Bank dengan Metode RGEC Pada PT Bank BRI Syariah (Persero) 2013-2018 Hadi Samanto; Nurul Hidayah
Jurnal Ilmiah Ekonomi Islam Vol. 6 No. 3 (2020): JIEI : Vol.06, No. 03, 2020
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v6i3.1479

Abstract

The purpose of this research is to determine the influence of the four aspects of RGEC on the assessment of the bank's health level at PT Bank Rakyat Indonesia Syariah. This research uses RGEC method consisting of risk profile, good corporate governace, earning and capital. The sampling techniques in this study used saturated sample methods. And the sample used in this study is the financial statements of PT. Bank BRI Syariah from 2013 to 2018. As one of the sharia public banks in Indonesia, BRI Syariah Tbk bank must maintain the bank's health level in the following years in order to maintain public trust, customers and stake holders towards BRI Syariah Tbk bank. There are several assessment indicators in certain years that fluctuate, this needs to be considered so that in the following years the indicator is maintained stability so as not to adversely affect performance. PT Bank BRI Syariah Tbk also needs to lower operating costs from rank 5 which is unhealthy to rank 1 very healthy in order to maintain the company's performance by increasing profit, especially operating profit. PT Bank BRI Syariah Tbk also needs to lower the percentage rate of Earnings (Rentability) from unhealthy, unhealthy, healthy enough to be a healthy or very healthy rating, with the aim of ordering PT. Bank BRI Syariah Tbk has a higher profit.
Budaya Hedonisme dan Konsumtif dalam Berbelanja Online Ditinjau dari Perpektif Ekonomi Syariah Tira Nur Fitria; Iin Emy Prastiwi
Jurnal Ilmiah Ekonomi Islam Vol. 6 No. 3 (2020): JIEI : Vol.06, No. 03, 2020
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v6i3.1486

Abstract

Hedonisme adalah sebuah pandangan hidup yang menganggap bahwa seseorang akan bahagia dengan mencari kebahagiaan sebanyak mungkin dan sedapat mungkin menghindari perasaan-perasaan yang menyakitkan. Hedonisme merupakan ajaran atau pandangan bahwa kesenangan atau kenikmatan merupakan tujuan hidup dan tindakan manusia. Pandangan hidup ini hanya ingin memperoleh keuntungan sebesar-besarnya dan hanya berlandaskan materi keuntungan semata. Islam menolak tegas sikap hidup hedonisme dalam bentuk larangan sifat boros di satu sisi dan kikir di sisi lainnya. Karena kedua sifat ini jelas-jelas bertentangan dengan konsep kesederhanaan yang di inginkan Islam. Prinsip kesederhanaan ini juga berlaku bagi pembelanjaan, orang tidalah boleh berlaku kikir dan boros. Sebagaimana firman Allah dalam QS. Al-A'raaf [7]: 31, QS. Al-Maidah [5]: 87 dan QS. Al-Furqan [25]: 67. Kajian Al-Quran dan Hadist, seorang muslim sudah sepantasnya menggunakan kekayaannya untuk hal yang bermanfaat dan tidak digunakan untuk hal yang sia-sia. Kebutuhan manusia tidak terbatas, karena kebutuhan berhubungan erat dengan kepuasan yang pada dasarnya juga tak terbatas. Kebutuhan manusia berkaitan erat dengan pemenuhan barang dan jasa untuk kepuasan diri. Selama hidupnya, manusia akan selalu berusaha memenuhi kebutuhan tersebut, semakin dipenuhi maka kebutuhan tersebut semakin bertambah.
The Profession of YouTuber: Ethics in the Islamic Economics’ Perspective Tira Nur Fitria
Jurnal Ilmiah Ekonomi Islam Vol. 7 No. 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v7i3.2760

Abstract

One of the phenomenal businesses and professions in the world in the millennial digital world is as a YouTuber who can provide very promising benefits. Therefore, as a neutral, strategic, and preferred media, YouTuber videos have their important points that apart from being land for business. The objective of this research is to provide an understanding of the ethics of the YouTuber profession from the Islamic economics perspective. This research applies library research. The result shows that YouTube can be used as a means of conveying messages while remaining committed to the following Islamic ethics business, are: First, the video content is legal, lawful, and does not contain contradictory content in Islamic values, such as non-educational and other unsuitable content. The criteria for services being “traded” is lawful and valuable. Second, the products and advertising content in the video are halal and legal. These contents do not market products non-halal ads, conventional financial institutions, liquor, illegal goods, products that damage health, and products that destroy children's morals. Third, clarity of rights and obligations between the parties, including a YouTuber as a service seller and a company as a buyer of services carried out according to the agreement. Besides, there are other Islamic business ethics, namely: 1) principle of monotheism teaches that everything must reflect faith in Allah SWT and is responsible for all human actions including economic and business activities. 2) principle of justice teaches humans in every activity must be fair, both to themselves and others. Third, the principle of responsibility teaches that in every human activity, there is accountability to Allah SWT. Fourth, the principle of freedom teaches that every human has the freedom to choose and determine everything. Humans are given free will to control their lives alone, but must not ignore the fact that he is completely required by the law of God. Fifth, honesty and truth. Every activity, no matter how small, the activities carried out can be seen properly and feel good for others.
Does Firm Size, Leverage and Profitability Effect On Coefficient Earnings Response (ERC) with Islamic Social Reporting (ISR) As Intervening Variable ? Purnama Putra
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4489

Abstract

This study aims to determine the direct and indirect effect of Firm Size, Leverage, and Profitability on Earning Response Coefficient (ERC) with Islamic Social Reporting (ISR) as an intervening variable in manufacturing companies listed in the Indonesian Sharia Stock Index (ISSI) for the period 2014 -2017. The data used are the financial statements of manufacturing companies listed in the Indonesian Sharia Stock Index. Data analysis using multiple linear regression. The sample in this study were 30 manufacturing companies in various business fields, which provided quarterly financial reports. Samples were taken using purposive sampling technique. The results of this study show that partially Firm Size and Profitability have a positive and significant effect on Islamic Social Reporting, while Leverage has no and no significant effect on Islamic Social Reporting. Partially Firm Size and Islamic Social Reporting have no and insignificant effect on the Earning Response Coefficient, but Leverage has a negative and significant effect while Profitability has a positive and significant effect on the Earning Response Coefficient. Meanwhile, simultaneously Firm Size, Leverage, and Profitability have a positive effect on Islamic Social Reporting. Simultaneously Firm Size, Leverage, Profitability and Islamic Social Reporting on Earning Response Coefficient. Based on the results of path analysis, it shows that Islamic Social Reporting cannot mediate Firm Size, Leverage, and Profitability variables on the Earning Response Coefficient.
Pengaruh Religuisitas, Pembiayaan dan Pemberdayaan Terhadap Perkembangan UMKM di Kota Medan Sri Rezeki Nur Hadiati Putri Sinaga; Sugianto Sugianto; Muhammad Arif
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4673

Abstract

This study aims to analyze the influence of the variables of religiosity, financing and empowerment on the development of MSMEs. This research is a quantitative research with multiple linear regression model with the help of SPSS version 23 program. The population in this study amounted to 1413 respondents. By using a random sampling technique, a sample of 90 respondents was taken. The results of this study found that religiosity had no significant effect on the development of MSMEs. Taken together, religiosity, financing and empowerment can significantly influence the MSME Development variable. Based on the R square value, it shows that the variables of religiosity, financing and empowerment have an effect on the development of MSMEs by 67.8% and the rest because 32.2% has no effect. Keywords: Religiosity, Financing, Empowerment, MSME Development
Analisis SWOT Pada Pengembangan Perbankan Syariah di Indonesia Muslim Marpaung; Isnaini Harahap; Usnandar Afriansyah
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4675

Abstract

This study will try to answer how the process of developing Islamic banking in Indonesia is currently. This research is a descriptive qualitative research. Data analysis technique using matrix and SWOT analysis. The results of the study indicate that an alternative strategy for developing Islamic banking in Indonesia is a strategy to maintain and defend. The current strenght is that Islamic financial institutions are more crisis resistant. The current weakness is the relatively small and limited fund capital and the lack of a workforce who understands the concept of Islamic baniking. The current opportunity is the merger of 3 national banks ( BNI Syariah, BRI Syariah, BSM) to become BSI. The current threat is decline in people's income due to the COVID-19. The urgency of handling power in the future is to prioritize the support of muslims. The urgency of handling weaknesses in the future is the relatively smaller and limited capital of funds. The urgency of handling future opportunities is the merger of three national banks ( BRI Syariah, BNI Syariah and BSM). The urgency of handling threats in the future is the reduction in people's income due ti due COVID-19 pandemic. Keywords : Islamic Banking, Analysis SWOT, and Islamic Economic
PENGUKURAN KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH DENGAN PENDEKATAN MASLAHAH PERFORMA (MaP) (Studi pada BPRS Bangun Drajat Warga Yogyakarta) Nur Faizah; Amimah Oktarina
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.4703

Abstract

Measurement of Maslahah Performance (MaP) has three advantages, namely: First, it focuses on the balance of all aspects of maslahah, namely religion (al-din), soul (al-nafs), descent (al-nasl), reason (al-aqal), and property (al-maal). BPRS BDW is one of the BPRS that has the highest assets and the highest net profit when compared to BPRS in DIY. The purpose of this study is first to describe the performance of BPRS Bangun Drajat Warga Yogyakarta using the Maslahah Performance (MaP) approach, secondly to measure and analyze the maslahah performance of BPRS Bangun Drajat Warga Yogyakarta using the Maslahah Performance (MaP) approach. The type of research used to compose this research is a type of field research (Field Research) with a normative-sociological approach. Informants in this study were stakeholders related to the implementation of maslahah performance, namely BPRS BDW employees with positions at the level of senior staff to Division heads, sharia supervisory board (DPS), and customers of BPRS Bangun Drajat Warga Yogyakarta. The data analysis technique used maslahah performance (MaP). MaP performance measurement is carried out using two methods, namely the measurement of benefit performance (result oriented) and benefit (process oriented) performance measurement. The results of this study are that the first BPRS BDW has implemented maslahah performance by fulfilling worship orientation, internal process orientation, talented workforce orientation, learning orientation, customer orientation, wealth orientation based on several strategic goals, measures, formulas, targets and strategic initiatives. Second, the performance measurement of Performance Problems in BPRS BDW is carried out by calculating the performance of the MaSC results and the performance of the MaSC process. BPRS BDW has a maslahah performance of 0.391, which means that BPRS BDW has provided benefits to all stakeholders. BPRS BDW has a maslahah process performance of 0.400, this figure shows that BPRS BDW has implemented a benefit performance system although not all have been implemented.
Analisis Faktor-faktor Yang Mempengaruhi Minat Menggunakan Bank Digital Syariah pada Generasi Z: Studi Kasus di Kota Bogor Cupian Cupian; Ugi Valentino; Sarah Annisa Noven
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5299

Abstract

Islamic digital banks is an innovation in the Islamic banking industry. The three things of Islamic digital banks are interesting to study. First, increase the competitiveness with the emergence of Islamic digital banks. Second, the rapid development of technology trigger digital banks as an adaptation to the new era. Third, rapid adaptation makes digital banks a new trend in the banking industry that triggers new findings. This study aimed to determine the factors influencing the intention to use Islamic digital banks. Understanding the intention to use an Islamic digital bank is very useful in forming an ideal Islamic digital bank. It is expected to be a finding to increase the competitiveness and adaptation of Islamic banks. This study used 100 Generation Z samples located in Bogor city. The method used is a descriptive quantitative method with SEM-PLS analysis which is a multivariate analysis. Therefore, the results in this study have a significant effect on the perceived credibility and social influence variables. In contrast, the perceived ease of use and usefulness variables have no significant impact on the intention of use’s variables.
Pengaruh Faktor-Faktor Internal Dan Faktor Makroekonomi Terhadap Pangsa Pasar (Market Share) Bank Syariah Indonesia anik anik; Salmia Salmia; Iin Emy Prastiwi
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5397

Abstract

This study aims to determine the effect of internal and macroeconomic factors on the market share of Islamic banks in Indonesia. The internal factors in this study are Third Party Funds (DPK), Return on Assets (ROA), and Non Performing Financing (NPF), while the macroeconomic factor is the rupiah exchange rate against the dollar. This research is a quantitative research with the object of research on Islamic banking in Indonesia. Market Share, TPF, ROA, NPF data are taken from the report. The population in this study is all financial statements of Islamic banking in Indonesia. The sample in this study is the monthly report of Islamic banking in 2015-2019. The analysis technique in this study uses multiple linear regression analysis. The results in this study are ROA and DPK variables have a significant effect on the market share of Islamic banking in Indonesia. Meanwhile, the NPF variable and the macroeconomic variable, namely the exchange rate, have no significant effect on the market share of Islamic banking in Indonesia.

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