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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 2,377 Documents
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Revitalisasi Dana Menganggur dalam Ekonomi Islam: Analisis Prinsip Iktinaz dan Arah kebijakan moneter Ekspansif Nasrudin; Nursari, Nina; Nurzannah, Firda; Hidayah, Paisah Nurul; Priatna, Elya Nur Awaliyah Fadhilah Fatimah
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19399

Abstract

The phenomenon of idle funds amounting to Rp457.5 trillion stored at Bank Indonesia reflects the inefficiency of the financial system and the weak transmission of monetary policy to the real sector. From an Islamic economic perspective, this condition represents the practice of iktinaz or hoarding of wealth without social benefit, which contradicts the principle of maqāṣid al-syarī‘ah, especially the aspect of tadāwul al-māl (circulation of wealth). This study aims to analyse the concept of iktinaz in the context of modern economics and to offer directions for an expansionary monetary policy grounded in Islamic values. This study uses a qualitative method with a normative approach and content analysis of national macroeconomic data and Bank Indonesia's monetary policy.. The results show that idle funds are not only a technical liquidity issue but also a crisis of values in wealth management. Therefore, the revitalisation of idle funds can be achieved through Islamic monetary instruments such as productive sukuk, qard al-hasan, and cash waqf-linked sukuk, which can encourage the circulation of funds to the productive sector. The novelty of this research lies in formulating a Sharia monetary policy that integrates moral, spiritual, and economic dimensions. Its contribution offers a new paradigm of Islamic monetary policy oriented towards distributive justice and financial sustainability.
Strategies for Utilizing Productive Zakat in Mustahik Economic Empowerment in Indonesia: A Systematic Literature Review Achmad Junaidi; Bustomi Arisandi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19425

Abstract

This study aims to analyze the strategy of utilizing productive zakat as an instrument of economic empowerment and poverty alleviation in Indonesia. Through the Systematic Literature Review (SLR) method, this study examined 28 selected scientific articles from the range of 2015 to 2026 sourced from the Google Scholar database and reputable journals. The data selection process uses the PRISMA protocol to ensure the validity and transparency of the findings. The results of the study show that the effectiveness of productive zakat is highly dependent on three main pillars: the accuracy of mustahik selection, the intensity of business assistance, and the use of digital technology in program monitoring. This study found that the transformation of mustahik status into muzakki cannot be achieved only through the provision of capital, but requires the integration of financial literacy and spiritual guidance. In addition, distribution digitalization was found to be a key factor in increasing program transparency and reach in the post-pandemic era. The implications of this study emphasize the need to standardize the productive zakat management model for Amil Zakat Institutions (LAZ) in order to optimize the economic sustainability of the ummah in the long term.
Faktor-Faktor Penentu Kinerja Keuangan Bank Syariah di Indonesia: Peran Pembiayaan, Pembiayaan Bermasalah, dan Pertumbuhan Aset Puteri Pekerti Wulandari; Indraswari, Violeta Mardlatillah Romadoni Nur; Fauzan, Muhammad
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19467

Abstract

This study aims to analyze the factors that influence the financial performance of Bank Syariah Indonesia (BSI) by emphasizing the role of financing as the main indicator of intermediary activities in Islamic banking. Unlike previous studies that simultaneously included third-party funds (DPK) and financing as explanatory variables, this research avoids potential multicollinearity by using financing, non-performing financing (NPF), and asset growth as the independent variables. The data used in this study are quarterly data covering the period from 2021 to 2025. The data are analyzed using multiple linear regression with the Ordinary Least Squares (OLS) method. The results of the analysis indicate that financing, NPF, and asset growth simultaneously have a significant effect on the financial performance of BSI. Partially, financing has a positive and significant effect on financial performance, while NPF shows a negative relationship consistent with theoretical expectations, although it is not statistically significant. Asset growth does not demonstrate a significant effect on financial performance. These findings highlight that the quality of financing and effective risk management are key factors in maintaining the profitability of Islamic banks.
Pengaruh Religiusitas, Kepercayaan, Kemudahan, dan Pemahaman Digital terhadap Minat Membayar Zakat, Infak, dan Sedekah (ZIS) Secara Digital Sharla Putri Rania; Edi Susilo
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19500

Abstract

The rapid development of digital technology has created significant opportunities to optimize the collection of zakat, infaq, and alms (ZIS) through digital platforms. However, the utilization of digital ZIS in Indonesia remains far below its national potential. This study aims to analyze the influence of religiosity, trust in digital ZIS institutions, ease of application use, and understanding of digital zakat on public interest in paying ZIS digitally. This research employs a quantitative approach with an explanatory research design. Data were collected through an online questionnaire from 100 Muslim respondents in Indonesia using purposive sampling. Data analysis was conducted using multiple linear regression after validity, reliability, and classical assumption tests. The results show that religiosity, trust, ease of use, and understanding of digital zakat have a positive and significant effect on the intention to pay ZIS digitally, both partially and simultaneously. Among these variables, understanding of digital zakat has the strongest influence. The model explains 59.7% of the variance in digital ZIS payment intention. These findings highlight the importance of integrating religious, institutional, technological, and cognitive factors in promoting the adoption of digital ZIS payments in Indonesia.
Determinants of Islamic Banks' Financial Performance in ASEAN Countries Arya Ramadhani; Aufar Fadlul Hady; Fira Nurafini
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19355

Abstract

This study aims to examine the determinants of Islamic banks’ financial performance in selected ASEAN countries, namely Indonesia, Malaysia, Thailand, and Brunei Darussalam. The financial performance of Islamic banks is assessed using ROA, with important explanatory variables including the CAR, NPF, and FDR. This study takes a quantitative approach, using secondary data from Islamic banks' annual financial reports for the period 2020 – 2024. The data are evaluated using panel data regression, and model selection is conducted using the Chow test, Hausman test, and Lagrange multiplier test, which indicate that the Random Effects Model (REM) is the most appropriate estimation approach. The results show that CAR has a positive and significant effect on the financial performance of Islamic banks, whereas NPF and FDR have negative and positive coefficients, respectively, but do not show a significant effect on ROA. These results indicate that capital adequacy mainly drives the financial performance of Islamic banks in ASEAN, whereas credit risk and liquidity levels have little effect on profitability. This could be because of the risk-sharing nature inherent in Islamic banking practices.
Analisis Dampak Program Pemberdayaan Majelis Taklim Ummahat (PMTU) Dompet Dhuafa dengan Metode Social Return on Investment (SROI) Casdimin; Pamungkas, Erick Agung; Sonyaratri, Dessy
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19493

Abstract

This study examines the impact of the woman empowerment program (PMTU) initiated by Dompet Dhuafa through the Lembaga Pelayan Masyarakat (LPM) in Bogor and Tangerang Regency, Indonesia. The program aims to address women’s economic vulnerability, limited access to business capital, low financial literacy, and dependence on interest-based financing by positioning majelis taklim (Islamic study group) as a community-based platform for economic empowerment and socio-religious attitudinal transformation. The main interventions include the provision of qardhul hasan-based revolving capital, capacity-building training on microenterprise management and financial literacy, and group-based managerial mentoring within majelis taklim communities. This study employs an evaluative Social Return on Investment (SROI) methodology in accordance with the principles of Social Value International to assess program outcomes over the 2023–2025 period. Data were collected through in-depth interviews, focus group discussions (FGDs), field observations and secondary data analysis involving 87 respondents representing key stakeholders. The findings indicate that the program achieved a cumulative SROI ratio of 2.82, meaning that every IDR 1 invested generated social benefits valued at IDR 2.82. The largest share of impact accrued to Majelis Taklim Ummahat members as primary beneficiaries, accounting for 63.54% of total social value, followed by majelis taklim administrators (12.49%), program facilitators (21.17%), and Dompet Dhuafa as the implementing institution (2.81%). Based on the sustainability value compass, program impacts were dominated by Well-being (46.52%) and economic (37.10%) dimensions, with the remaining 16.39% attributed to social outcomes. These findings confirm that the PMTU program is both viable and effective in generating substantial social and economic value, while strengthening the role of majelis taklim as a strategic platform for women’s empowerment and sustainable economic self-reliance.
Dampak Ekonomi Kebijakan Larangan Kegiatan bagi Siswa Akhir SMA di Jawa Barat dalam Perspektif Maqasid Syariah Meisah, Siti; Midisen, Kisanda; Ainulyaqin, MH; Mamun, Sukron; Achmad, Yudianto
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19509

Abstract

Ceremonial and costly activities for high school seniors often place an economic burden on parents and contribute to social inequality. Therefore, the government has enacted a policy banning such activities. This study aims to analyze the implementation of the policy banning high school senior activities at SMA Negeri 1 Cikarang Pusat and its economic impact from the perspective of Maqasid Syariah. The research method used is a qualitative approach employing interview and observation techniques. The results indicate that the ban policy has been effectively implemented through outreach and adjustments to the school program, yielding positive economic impacts, including reduced financial burdens, increased efficiency, and the promotion of economic justice. From the perspective of Maqasid Syariah, this policy aligns with the principles of hifz al-mal, hifz al-nafs, and hifz al-‘aql. Thus, this policy is effective in implementation, has a positive economic impact, and is consistent with the principle of public interest.
Recontextualizing the Concept of the Time Value of Money from a Maqashid al-Shariah Perspective: Rekontekstualisasi Konsep Time Value of Money dalam Perspektif Maqashid al-Shariah Rahmawati, Ana; Shafrani, Yoiz Shofwa
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19540

Abstract

This study recontextualizes the time value of money (TVM) in Islamic economics through a maqashid al-shariah lens using a case study of Sharia-compliant gold investment at Pegadaian Syariah. A mixed methods sequential exploratory design was applied. Qualitative data were collected via document analysis and semi-structured interviews with 10 informants to derive maqashid-based indicators of time-related value. Quantitative data were gathered through a survey of Sharia gold investors and analyzed using multiple linear regression and mediation testing. Findings show that investors interpret time-related value not as interest-based compensation but as ethical utility embedded in service provision, risk management, and wealth preservation. Descriptive results indicate high perceptions of maqashid alignment (M=4.11) and Sharia compliance trust (M=4.24). Regression results reveal significant effects of maqashid alignment on investment decision (β=0.32; p=0.001) and cost fairness on investment decision (β=0.26; p=0.008). Sharia compliance trust strongly predicts continuance intention (β=0.39; p<0.001), while Sharia financial literacy improves investment decision quality (β=0.28; p=0.004). Trust partially mediates the maqashid alignment–continuance link. This study extends prior work by operationalizing maqashid-based time utility into measurable constructs and empirically testing it in a retail Sharia gold investment setting.
Wanprestasi Pengalihan Hak Sewa Tanah Kebun: Analisis Kitab Undang-Undang Hukum Perdata Dan Kompilasi Hukum Ekonomi Syariah (Studi Di Desa Gagaksipat): Studi di Desa Gagaksipat Setyomurni, Tarita Shifa; Junaidi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19544

Abstract

Verbal land lease agreements in rural areas often generate disputes when tenants transfer the leased property to third parties without the owner’s consent and violate payment and maintenance obligations. This article analyzes the construction of breach of contract, its legal consequences, and dispute resolution mechanisms from the perspective of the Indonesian Civil Code (KUHPerdata) and the Compilation of Sharia Economic Law (KHES), based on a case study in Gagaksipat Village, Boyolali Regency. The study was conducted through empirical legal research using statutory, conceptual, and case approaches, with interviews as the primary data source. The analysis shows that verbal agreements remain legally valid as long as they meet the requirements of Article 1320 of the Civil Code, while unauthorized transfers, late payments, and incomplete payments constitute essential breaches of contract, allowing the owner to seek performance fulfilment, compensation, or contract termination. Dispute resolution under the Civil Code is conducted through formal notice (somasi), breach of contract lawsuits, and claims for termination and compensation in District Court, whereas under KHES, resolution begins with deliberation (ishlah) and may proceed to fasakh and claims for ta’wīḍ through the Religious Court. Both legal systems consistently legitimize the termination of the contractual relationship and the restoration of the owner’s rights in cases of cumulative and essential violations.
Faktor-Faktor Penentu Adopsi Perbankan Digital Islam di Bawah Mandat Regulasi Syariah: Bukti dari Aceh, Indonesia Husain, Putri; Warsito, Chandra
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19548

Abstract

This study investigates the socio-technical determinants of Islamic digital banking adoption under the unique framework of Aceh’s Sharia Financial Institutions Qanun (Qanun LKS). While this mandate achieved 100% administrative migration, its impact on substantive digital behavior remains under-explored. This research addresses the "Adoption Paradox" where high legal inclusion fails to trigger active usage. A quantitative descriptive-analytical design was employed, surveying 200 Bank Syariah Indonesia (BSI) customers in Bireuen Regency, a semi-rural district, to capture digital transition challenges in a traditional society. Data were analyzed using Multiple Linear Regression in SPSS 21. Findings reveal a significant adoption gap, with only 30% of respondents classified as active users. Regression results indicate that Digital Literacy is the strongest predictor (β = 0.600; p < 0.001), followed by Trust in Security (β = 0.462; p < 0.001), perceived ease of use, and social influence. The study concludes that top-down legal mandates are insufficient without bottom-up interventions in digital capability and trust-building. To achieve the Cost Optimization Rate (COR), Islamic financial institutions must prioritize cybersecurity and literacy programs to bridge the adoption gap. This research contributes by linking region-specific Sharia mandates with technology acceptance models, offering a scalable framework for digital transformation in Sharia-governed economies.

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