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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
Cash Waqf Linked Sukuk Financing in the Development of Sustainable Agriculture from the Maqashid Syari'ah Perspective Ahsani Taqwiem; Kartika Rose Rachmadi
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.v9i2.9013

Abstract

The agricultural sector has a fairly large share in the country's development goals, but one of the main problems that always becomes an obstacle for farmers is capital support. The APBN that has been set by the government has not been able to be distributed evenly. Waqf is one of the Islamic social finances that has great potential, although until now its realization is still very minimal. This study tries to synergize waqf with integrated agricultural development in Brenjonk using a qualitative method with a case study approach. The results of this study offer a scheme that can help farmers to obtain financial assistance in agricultural development efforts through the Cash Waqf linked Sukuk instrument. CWLS yields can be allocated by BWI as Nazhir to Brenjonk organic farmers in the form of financing assistance for infrastructure development, skills training or procurement of tools that can facilitate the performance of farmers. Considering that waqf is a social fund, any assistance distributed to the target group is free of charge.
Analisis Pengarub Syariah Compliance dan Gaji Dengan Komitmen Organisasional Sebagai Variabel Pemoderasi Pada Kinerja Koperasi Syariah di Kabupaten Aceh Tamiang Musyarrafah Itsnaini; Chuzaimah Batubara; Nurhayati Nurhayati; Sulaiman W
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.v9i2.9015

Abstract

This study aims to analyze the effect of Sharia Compliance and compensation on perfomance through organizational commitmen for employees of the sharia cooperative in Aceh Tamiang. This research is quantitative descriptive. The population in this study were all employees of sharia cooperative as many as 42 respondents. Sampling used is purposive sampling with the technique taken is saturated sampling (census). The researcher gave questionnaires to the respondents and processed the data using the SPSS Version 22 application. The analytical method used is Path Analysis. The results showed that the variables of the compensation has no effect on the organizational commitmen, while the variables of sharia compliance has an effect on the organizational commitmen. Compensation variable have no effect on the performance variable. While the variables of Sharia compliance, and organizational commitmen have a positive and significant effect on the performance variable. And the organizational commitmen variable can mediate the two independent variables on the dependent variable, namely the performance variable.
Pengaruh Literasi Keuangan Syariah, Aktivitas Galeri Investasi Syariah, Modal Minimal, dan Religiusitas Terhadap Minat Investasi Mahasiswa di Pasar Modal Syariah musyafa' musyafa'
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.v9i2.9016

Abstract

The purpose of this study is to measure and determine the effect of Islamic financial literacy, Sharia Investment Gallery (GIS) activities, minimum capital, and religiosity on student interest in investing in the Islamic capital market. This research uses mixed method research (quantitative research and qualitative research). The population used is students who are registered as investment account makers in 2020 s.d. 2021 through the Sharia Investment Gallery of the Nahdlatul Ulama Islamic University (UNISNU) Jepara, totaling 467 students. Sampling based on non-probability sampling with the number of samples using simple random sampling technique with the calculation of the Slovin formula, obtained 82 respondents. Data obtained from observations, questionnaires, and indepth interviews. The questionnaire was measured based on a Likert scale and using SPSS version 25 software. The results of this study indicate that partially Islamic financial literacy tends to have an influence. GIS activities, minimal capital, and religiosity partially have a positive and significant effect on student investment interest. Simultaneously, the variables of Islamic financial literacy, Sharia Investment Gallery activity, minimal capital, and religiosity have a positive and significant effect on student investment interest in the Islamic capital market
Pengaruh Pengetahuan dan Kesadaran Nasabah Akan Perbankan Syariah Terhadap Keputusan Nasabah Dalam Memilih Fasilitas Pembiayaan Kredit Usaha Rakyat (KUR) Syariah di Bank Syariah Indonesia Area Kota Medan Siti Aisyah; Muhammad Arif
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.v9i2.9134

Abstract

This study aims to determine the influence of knowledge and awareness of nasbah simultaneously on customer decisions in choosing Micro KUR products at Bank Syariah Indonesia. This type of research is field research (field research), which is direct observation of the object to be studied to obtain relevant data. This research uses a quantitative approach, the sources used in this study consist of two types, namely primary and secondary. The primary data of the data being studied is by providing questionnaires to respondents to respondents, while skunder data carried out through literature studies help find theories that support this research. Samples were taken as many as 50 BSI customers. The analysis technique uses multiple linear regression analysis, and the hipoetic test t test, f test, and detremination test. The results of the research on unison testing of the variables Knowledge (X1), and Awareness (X2 have a positive and significant effect on the customer's decision to choose a Sharia KUR financing facility at BSI. Testing the coefficient of determination obtained with a value of 0.840 means that 84.0% of changes in variables are bound by customer decisions in choosing a Sharia KUR financing facility at BSI, influenced by knowledge and awareness. Meanwhile, the remaining '16.02% is explained by other factors beyond the two research variables.
Analisis Peran Good Corporate Governance (GCG) Dalam Peningkatan Company Business Progress dan Risk Management Pada Perbankan Syariah (Studi Kasus Pada Bank Sumut Syariah) Nabila Aulia Putri Hrp; Yusrizal Yusrizal; Muhammad Ikhsan Harahap
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.v9i2.9135

Abstract

This research is about the role of good corporate governance in increasing company business progress and risk management. good corporate that is taken is the principle of transparency as a support for the occurrence of company business progress and risk management. The type of data in this study is qualitative data which the researcher feels is this type of data suitable for the research carried out with the intention of understanding the phenomenon of what is being studied. The data source collected is the secondary data source. The data collection method in this study uses documentation techniques, namely collecting data from existing documents. the results of the study, namely the principle of transparency in Good Corporate Governance is able to influence the progress of the company's business and risk management to improve the operational performance of Bank Sumut Syariah. Bank Sumut Syariah has a good application of the principle of transparency which then attracts shareholders and other interests that give rise to Company Business Progress or business progress at the company and of course the bank can see well the possibility of risks arising and minimizes risks to the company.
Analisis Potensi Ekonomi Pertanian Permakultur dan Pengembangannya di Desa Hutabaru Sil, Kec. Dolok, Kabupaten Padang Lawas Utara Perspektif Ekonomi Islam Suliani Suliani; Zuhrinal M. Nawawi; Budi Dharma
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.v9i2.9472

Abstract

The development of a village is one of the important and a concern in every village. With the aim of a village that has competitiveness, the village apparatus and pamong need to pay attention to increasing the economic potential of the village as a local resource. This study aims to find out how the economic and development potential in the village of Huta Baru Sil, Dolok District, North Padang Lawas Regency. The analytical method used in this study is descriptive qualitative analysis through data collection using interview techniques. Descriptive method is a research method by collecting data that is in accordance with the actual data then compiled, processed and analyzed to be able to provide an overview of the problems that exist in the area. Descriptive analysis is a method that is carried out by explaining or describing the actual situation about how the village's potential is developed. In addition, this analysis was carried out by describing secondary data regarding the area of land and permaculture agricultural products that can be produced. The research instrument in qualitative research is the researcher himself who acts as a human instrument that performs the function of setting the research focus, collecting data, interpreting data, interpreting and making conclusions. The informant for this study was Mr. H. Ahmad Saihu Siregar, who was always the owner of permaculture agricultural land. The results of this research are the efforts of landowners and the community in developing village potential through permaculture farming with collaboration between landowners and the local community with the aim of increasing the economy of the Huta Baru Sil village community and providing an example to the people around the village so that they don't only farm oil palm and rubber but can also do permaculture farming with makeshift land to boost the economy. From the results of the permaculture harvest that was carried out starting from 2021-2022 it was very good and the results continued to increase and really helped the income of people who own the land. Based on the data analysis and discussion that has been put forward, it can be concluded that Huta Baru Village has enormous potential in the agricultural sector. The results of identifying the internal and external environmental conditions of the agricultural sector in Huta Baru sil village can be formulated several alternative strategies in developing the agricultural sector in Huta Baru sil, namely as follows: SO strategy (strengths-opportunities) to optimally utilize all existing potentials. The ST strategy (strengths -threats) optimizes farm management. WO strategy (weaknesses - opportunities) sustainable development for farmers. WT strategy (weaknesses-threats) to improve production facilities and trading system..
Strategi Pengembangan Sumber Daya Manusia (SDM) Baitul Mal Wat Tamwil di Sumatera Utara Rina Fitriani; Sri Sudiarti; Fauzi Arif Lubis
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.v9i2.9475

Abstract

This study aims to determine the current state of the internal and external environment of BMT human resources in North Sumatra to determine the baitul mal wat tamwi human resource development strategy in North Sumatra. This type of research uses a qualitative approach using a SWOT analysis. This research was conducted directly at BMTs in North Sumatra, namely BMT Masyarakat Madani, BMT Raudhah, and BMT Al-Musabbihin. The research time started in June 2022, and it is finished. The researchers obtained it from the company and managers in the company, including managers and administrators in the two BMTs. The research object in question is the Human Resources (HR) development strategy for BMT Civil Society, BMT Raudhah BMT Al-Musabbihin, and its influence on the resilience of BMT and its impact on the welfare of MSMEs. The primary data source in this thesis is taken from answers to questionnaires distributed to respondents through direct interviews with the subject of the BMT management or those in charge of the BMT institution.Data obtained from other sources, researchers also include secondary data as a reinforcement of arguments, both from various literature such as previous research journals, both national and international, books, statistical data, and so on. After being seen from the internal environment, the study results stated that the BMT Human Resource Development Strategy in North Sumatra consisted of strengths, namely clear legal aspects of BMT and good relations between employees. At the same time, the weaknesses consist of human resources who tend not to be graduates of Islamic economics, family management, and human resource capabilities and competencies that still need them. Not active in the BMT forum/organization. When viewed from the external environment, it consists of opportunities, namely Linkage with Islamic Banks. At the same time, the threats are the lack of government support, minimal financial support, and the issue of the industrial revolution 5.0. A microfinance institution emerged. Furthermore, based on the results of the SWOT matrix analysis, after processing the IFE and EFE matrices, the resulting strategy quadrant is in quadrant 1, namely the progressive strategy. The approach used to develop BMT human resources in North Sumatra is the BMT SO Strategy will continue to make clear legality as a reinforcement for the establishment of BMT, continue to establish good relations between employees and take advantage of BMT links with Islamic Banks. As a strategy analysis from the author for BMT to utilize digitalization of BMT in promoting the presence of BMT or other social media.
Analisis Penggunaan Berkelanjutan Digital Banking Dengan Fitur Layanan Sebagai Variabel Moderasi Pada Nasabah PT. Bank Syariah Indonesia KC Batusangkar Habil Febrian; Asyari Asyari; Dila Anggraini; Nurul Fadhila Hasanah; 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.v9i2.9485

Abstract

This study aims to determine the use of sustainable digital banking with service features as a moderation variable for customers of PT. Bank Syariah Indonesia KC Batusangkar data analysis technique uses PLS (Partial Least Square) with processing using Software Warp-PLS 8.0. The test results using the SEM-PLS approach show that, Moderation effect of service features in the relationship between perceived usefulness and continuance intention in using digital banking during the Covid 19 period. Perceived usefulness of X1 is positive and significant, meaning that service features are able to moderate the relationship between perceived usefulness and use sustainable so that the hypothesis (H4) is accepted. Service features significantly moderate the relationship between perceived usefulness and sustainable use with a p-value
Faktor-faktor Yang Mempengaruhi Perilaku Konsumsi Rumah Tangga Muslim di Perbatasan Rao Pasaman Sumatera Barat Elmunawaroh Elmunawaroh; Asyari Asyari; 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.v9i2.9486

Abstract

Consumer behavior that is vulnerable to rapid changes because it relates to everyday life in order to meet their needs. High consumption is the result of the rapid development of society. So that culture becomes a factor causing consumption behavior. Culture is related to knowledge, beliefs, morals, and other abilities and behaviors that are obtained from society. Cultural values will have an impact on the purchasing and consumption habits of community members in marketing. Where the customer will give high value to the achievement of the goods. As a result, consumers compete to get these products, causing excessive consumption. This high lifestyle is accompanied by an era that continues to develop and is followed by an outside culture that is free and easy to enter which is able to change people's lifestyles to be a little excessive. The next factor is religiosity which is considered as a representation of a Muslim's ability to apply what he believes in and understands from the teachings of his religion in everyday life. Like things that can prevent self-harm. This study aims to determine the factors that influence the consumption behavior of Muslim households on the border of Rao Pasaman, West Sumatra. This research method is classified as a quantitative research. The data used are primary data obtained from filling out questionnaires by respondents using a Likert scale measurement. The sampling technique used in this study was purposive sampling with a population of 7,024 with a sample of 100 people. The data analysis technique used is multiple linear regression. The analysis of this study uses the SPSS application based on the results of hypothesis testing which shows that culture, lifestyle and religiosity as a whole influence consumption behavior. Culture is 2.024 with a significance of 0.046
Analisis Faktor-faktor Yang Mempengaruhi Minat Pelaku UMKM Dalam Menggunakan Islamic Fintech Khalila Husna Sari; Rifqi Muhammad; Anwar Sholihin; Sinky Adella
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.v9i2.9487

Abstract

Islamic financial technology, also known as Islamic Fintech, has evolved throughout time in the financial industry, particularly in terms of financial technology innovation. It is a tool to boost the economics of Small and Medium Enterprises (SME), which naturally also takes Shari'ah principles into consideration. This research is motivated by lack of interest by Small and Medium Enterprise (SME) on using advance technology in financial sector for example Islamic fintech. Using Technology Acceptence Model (TAM) as model to predict the acceptance or use of technology by users and their benefits in work. Because of that researcher interested on finding what is the motivation of Small and Medium Enterprise (SME) on using advance technology such as Islamic Fintech as their financial source. Sampling method used in this research is cluster/ area sampling. Samples used in this study are 1121 Small and Medium Enterprise (SME) who are live in Bukittinggi. The result of this research are effectiveness, is not affected people interest on using Islamic Fintech. As for usefulness, ease to use, security risk, digital literacy, and infrastructure availability are affecting people interest in using Islamic Fintech.

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