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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 2,287 Documents
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Pengaruh Social Environment, Religiosity dan Sharia Financial Knowledge Terhadap Minat Menggunakan Perbankan Syariah (Studi Kasus Pada UMKM Kabupaten Wonogiri) Dewanti Wahyu Purwaningsih
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8982

Abstract

This study aims to examine whether social environment, religiosity dan sharia financial knowledge give an effect for the interest of Micro Small and Medium Enterprises (MSME), to use syariah banking in one of the district area at Central Java, namely Wonogiri. The method used in this study is a quantitative research with the random sampling technique. The number of the respondent who become sample was 400 MSME in Wonogiri district. The data of this study use likert scale parameters with Partial Least Square method (PLS) and analyze with using SmartPLS 3.0 Software. After doing examination, the findings obtained that Social Environment and sharia financial knowledge give positif and significant effect for the interest MSME using syariah banking. Sharia financial knowledge give the most contribution in affecting the interest UMKM use syariah banking with the result path coefficient 0,404, t-statistic 11,283 dan p-values 0, then social environment with the result path coefficient 0,358, t-satistic 9,694 dan p-values 0. However, it is different from religiosity which gives a negative influence and does not have a significant effect for the interest MSME in using syariah banking the value path coefficient -0,028, t-statistic 0,423 and p-values 0,673
Peran Lembaga Amil Zakat Nurul Hayat Surabaya Dalam Pemberdayaan Ekonomi Masyarakat Melalui Program Rombong Berkah Tsaqibatu Alfiqriyah Apriliana; A’rasy Farullah
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8983

Abstract

Permasalahan kemiskinan merupakan salah satu fenomena pemberdayaan ekonomi mayarakat. Khususnya di Indonesia yaitu adanya perbedaan antara jumlah umat Islam dengan keadaan ekonomi masyarakat. Cukup sedikit orang yang mampu membayar zakat yang tergolong sebagai muzaki. Selain itu, umat Islam yang tergolong dalam kaum dhuafa atau mustahik juga lebih banyak. Penelitian ini bertujuan untuk mengetahui peran Lembaga Amil Zakat Nurul Hayat Surabaya dalam dalam pemberdayaan ekonomi masyakarat, dan untuk mengetahui Rombong Berkah Lembaga Amil Zakat Nurul Hayat Surabaya dalam pemberdayaan ekonomi masyarakat. Adapun metode penelitian ini menggunakan metode kualitatif. Hasil penelitian menunjukkan bahwa bahwa Lembaga Amil Zakat Nurul Hayat memiliki beberapa program pemberdayaan ekonomi masyarakat atas dasar wujud kepedulian Lembaga Amil Zakat Nurul Hayat untuk meningkatkan perekonomian masyarakat. Dalam memaksimalkan peran dan fungsi lembaga pengelolaan zakat tentunya harus dikelola sebaik mungkin. Program Rombong Berkah Lembaga Amil Zakat Nurul Hayat telah memberikan dampak positif bagi mustahiq baik secara sosial, agama dan ekonomi. Hal tersebut dapat dilihat dari hasil analisis terhadap empat indikator keberhasilan program yaitu kesejahteraan yang terdiri dari pangan, sandang, papan, dan aspek spiritual, dan mentransformasi mustahik menjadi muzaki. Diantara keempat indikator tersebut terdapat beberapa yang belum terpenuhi, yaitu tambahan penghasilan dari program ini masih tergolong sedikit sehingga belum memungkinkan untuk mentransformasi mustahik menjadi muzaki yang berzakat mal.
Improvisasi SNS Content Terhadap Perilaku Belanja Konsumen Muslim Milenial Produk Kosmetik Halal: Peran Moderasi Brand Image Kartika Rose Rachmadi; Ety Saraswati
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8984

Abstract

Semakin banyak penyedia atau produsen produk halal khususnya kosmetik berimplikasi terhadap konsumen semakin selektif dalam memiliki produk. Banyaknya produk kosmetik halal yang dikenalkan melalui sosial media seperti SNS Content, konsumen melakukan pencarian informasi dan memilih brand yang lebih dikenal oleh masyarakat sehingga mempengaruhi keputusan pembelian. Movement baru dunia digital saat ini dengan adanya SNS Content pada sosial media baik memasarkan sebuah produk. Dalam hal ini produk kosmetik halal yang sudah menjadi pandangan baru dalam dunia marketing saat ini. Khususnya bagaimana melihat pola perilaku belanja dari konsumen milenial muslim yang ada di Indonesia. Khususnya pada konsumen muslim milenial saat ini yang mulai tertarik dengan produk kosmetik halal. Ulasan ini memberikan kontribusi bagaimana improvisasi pada SNS Content di sosial media khususnya pada produk kosmetik halal dengan merekomendasikan perlunya mengintegrasikan praktik-praktik Islam terkait dengan konsumsi barang yang mempunyai sebuah brand image dan layanan dalam studi difokuskan pada analisis perilaku konsumen milenia muslim.
The Role of Risk Management Determines the Profitability of Bank Syari'ah Indonesia During the Covid-19 Pandemic Wulan Nur Safitri; Umrotul Khasanah
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8988

Abstract

The outbreak of the Covid-19 pandemic has disrupted global political, economic, social, religious and financial structures, including Shariah financial institutions, especially Bank Shariah Indonesia. Therefore, the risks that Islamic banks have to face during the pandemic are much higher, which will later affect the bank's profitability. In this study, the authors analyze the effectiveness of risk management of Sharia Indonesia banks during the pandemic by measuring the impact of BOPO, FDR and NPF on ROA as measures of bank profitability. This type of research is descriptive explanatory research. This study uses a finite population and from 2019 he uses time series data in the form of financial reports from Bank Sharia Indonesia 2023. The method used is multiple regression analysis using the SPSS version 22 program. The results of this study show that risk management has a very strong impact on Bank Shariah Indonesia's profitability, as evidenced by the high coefficients of constant beta for each variable. . Whether it's a BOPO, FDR or NPF variable. Additionally, the R Square result when measuring the three risk control variables shows a result of 0.981 or 98.1%. In other words, changes in Bank Shariah Indonesia's profitability performance (ROA) can be influenced by changes in its three independent variables, operating expenses. Operating profit, cash-to-deposit ratio, distressed funding. However, during the COVID-19 pandemic, Bank Shariah Indonesia's risk management was suboptimal. This can also be seen from the negative direction of the influence of each variable.
Integrated Quality Management toward Community Economic Empowerment at Micro Waqf Bank Nur Alfy Syahriana; Mohammad Fauzan Ni’ami; Sudirman -
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8990

Abstract

Abstract The issue of poverty that occurred for years brings the government's attention until it appears breakthroughs. One of the breakthroughs in the economic sector is to establish Micro Waqf Bank (BWM) which is expected to improve community economic development surrounding the Islamic Boarding School. This research aims to describe Integrated Quality Management (IQM) theory toward the BWM management process, to explain the management of Micro Waqf Bank (BWM) Tebuireng in detail, and to show how the implementation of IQM in Micro Waqf Bank (BWM) Tebuireng. This research involved an empirical study with a qualitative approach. While the primary and secondary data sources were collected through interviews and documentation. The research results indicated that the concept of IQM can be used as a benchmark for whether the quality management of financial institutions has been linked to Islamic values or vice versa. The fund management of BWM Tebuireng is divided into three stages, such as fundraising, fund distribution to customers, and regular reports. Finally, the management has been based on the six principles of IQM which include a focus on customers, process improvement, total involvement, avoiding speculation (gharar), avoiding ambiguity, and no coercion. Abstrak Persoalan kemiskinan yang berlangsung selama bertahun-tahun selalu menjadi perhatian pemerintah sampai akhirnya dicetuskan terobosan-terobosan baru. Salah satu bentuk terobosan tersebut dilakukan pada sektor ekonomi melalui pendirian Bank Wakaf Mikro (BWM) yang diharapkan mampu meningkatkan perekonomian masyarakat di sekitar pesantren. Penelitian ini bertujuan untuk memaparkan tawaran teori Integrated Quality Management (IQM) untuk proses pengelolaan BWM. Kemudian menjelaskan pengelolaan BWM Tebuireng secara rinci. Diakhir, akan ditunjukkan bagaimana implementasi IQM di BWM Tebuireng. Penelitian ini termasuk kajian penelitian empiris dengan pendekatan kualitatif. Lalu sumber data primer dan sekunder dikumpulkan melalui serangkaian proses wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa konsep IQM dapat digunakan sebagai tolok ukur apakah pengelolaan lembaga keuangan sudah mempunyai kualitas mutu yang sesuai dengan nilai-nilai ke-Islaman atau justru sebaliknya. Kemudian pengelolaan dana BWM Tebuireng dibagi menjadi tiga tahap, yaitu penghimpunan dana, penyaluran dana kepada nasabah, dan laporan rutin. Terakhir, pengelolaan tersebut sudah sesuai dengan enam prinsip IQM yang meliputi fokus kepada pelanggan (focus on customer), perbaikan proses (process improvement), keterlibatan total (total involvement), terhindar dari spekulasi (gharar), terhindar dari ketidakjelasan, dan tidak adanya paksaan.
Pengaruh Religious Altruism Dan Religious Enrichment Terhadap Keputusan Pembelian Produk UMKM Oleh Muslim Di Kota Pekanbaru Nurrahmi Hayani; Sri Murhayati; Darni Darni; Abdiana Ilosa
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8991

Abstract

This study aims to determine the effect of religious altruism and religious enrichment on the purchasing decisions of MSME products by Muslims in Pekanbaru City. This study used purposive non-random sampling of 269 respondents and used primary data and secondary data. The data analysis method used is multiple linear regression method. This study found that Religious Altruism and Religious Enrichment have an influence on the purchasing decisions of SMEs products by Muslims in Pekanbaru either partially or simultaneously. These two variables have an influence of 0.483 or 48.3% on the purchasing decision variable while the remaining 51.7% is influenced by other factors not discussed in this study. This study uses a data collection method in the form of a questionnaire distributed online (google form). So it is advisable to group respondents based on generational characteristics (X, Y and generation Z.
Pengaruh BOPO, FDR dan Faktor Eksternal terhadap Profitabilitas Bank Muamalat pada Periode 2014-2022 Risya Tri Annisa
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9001

Abstract

This research analyzes the relationship of financial ratios and external factors that affect profitability in Muamalat, TBK Bank, This research uses a time series that uses the 2014-2022 data..The result is BOPO, FDR, BI Rate and Inflation affect ROA in simultaneously. But in Partial results only BOPO and FDR affected ROA. r-square having results 0.965103, where this proved that BOPO, FDR, BI Rate and Inflation have 96,5% contribution to ROA simultaneously.
Manajemen Keuangan dan Pemasaran UMKM Dalam Perspektif Islam Sebagai Upaya Menekan Angka Kemiskinan Novi Yanti Sandra Dewi
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9002

Abstract

The poverty rate has increased in several regions in Indonesia, including in West Lombok Regency, West Nusa Tenggara. Efforts to reduce the rate of increase in the poverty rate must be continued. One of them is by encouraging the real sector through UMKM. This research was conducted to determine the financial management and marketing of UMKM in accordance with Islamic teachings. This research is qualitative research with data collection techniques using primary and secondary data. Interviews were conducted with micro-scale mushroom business actors using a purposive procedure. Data analysis techniques used the phenomenological method and tested the validity of the triangulation of researchers, methods, theories and data sources. UMKM in West Lombok Regency have not implemented the two principles of Islamic business to the fullest. The two principles are the principle of justice and the principle of benefit. This makes the goal of the existence of Islamic sharia not to be realized optimally, namely human welfare, one of which is realized by avoiding people from misery or poverty in the world. The research is expected to contribute to the development of UMKM, especially in West Lombok Regency so that it can reduce poverty.
Analisis Akuntabilitas dan Transparansi Pengelolaan Zakat, Infak dan Sedekah (ZIS) (Studi Kasus Baznas Kota Payakumbuh) Rifani Rifani; Muhammad Taufiq; Anwar Sholihin
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9004

Abstract

The main problem in this thesis is the implementation of the principles of accountability and transparency in the management of zakat, infaq and alms of the Payakumbuh City Amil Zakat Agency (BAZNAS) and their implications for BAZNAS performance. Payakumbuh and its implications for the performance of BAZNAS. The type of research used is qualitative research, by adopting case study research. The case in BAZNAS Payakumbuh City is that in 2020 the amount of zakat that can be collected is 2.1 billion rupiahs, while the potential for zakat in Payakumbuh City reaches 6.1 billion rupiahs annually. Data collection techniques used are through observation, interviews and documentation. Data processing was carried out in a qualitative descriptive manner, then described and classified aspects of certain problems and explained through effective sentences. From the research that the authors conducted in the field, it can be concluded that BAZNAS Payakumbuh City has implemented the principle of accountability in managing ZIS funds in accordance with the concept developed by Indonesia Magnifence of Zakat (2011) both in the decision-making process and in the process of policy outreach. Furthermore, the principle of transparency carried out by BAZNAS Payakumbuh City has not fully implemented the principle of transparency. Presentation of information as a whole has not been carried out by BAZNAS Payakumbuh City. As well as proposals that are received, whether they are acceded or not, they have not been published digitally on social media, so mustahiq have to come back and forth to the office to ask how far the submission process is. Currently, of the five indicators of transparency principles, there are two transparency principles that have not been fully implemented by BAZNAS Payakumbuh, namely the publication of balance sheets and sharia audits. This research still shows 'mix results' regarding the impact of implementing accountability and transparency on BAZNAS performance. Data shows that from 2017 to 2020 the implementation of the principles of accountability and transparency had a negative impact with a decrease in collection performance in 2018. However, in 2017 it showed contradictory results. The explanation for this contradictory result is that there has been a change in regulation that ASN zakat at the high school and university levels is managed by the Provincial BAZNAS.
Determinan Minat Penggunaan E-payment Syariah Dimoderasi Literasi Keuangan Syariah Ike Dwi Agustina; Feri Dwi Riyanto
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9010

Abstract

The potential for using e-payments is so large that it encourages people to meet the transaction needs of the Indonesian people by using sharia-based e-payments. Sharia e-payment has become a trend and is currently being discussed by people in Indonesia. This study aims to identify factors that can influence the interest of MSMEs in Malang City in using sharia e-payments with Islamic financial literacy as moderation. The research conducted is a quantitative research with a descriptive approach. The sample used was 108 respondents who are owners/top management of MSME owners in Malang City who have made transactions using sharia e-payments in the last 3 years. The data obtained was tested with Partial Least Square (PLS-SEM). The results show that financial self-efficacy has an effect on perceived usefulness and intention to use sharia e-payment, perceived security has a significant effect on perceived usefulness and perceived ease of use, perceived usefulness and perceived ease of use has an effect on intention to use sharia e-payment. Meanwhile, financial self-efficacy has no effect on perceived ease of us and perceived ease of use has no effect on perceived usefulness. Islamic financial literacy can moderate financial self-efficacy. But, not able to moderate perceived security, perceived usefulness, and perceived ease of use.

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