cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
-
Contact Email
-
Phone
-
Journal Mail Official
-
Editorial Address
-
Location
Kota surakarta,
Jawa tengah
INDONESIA
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
 232   233   234   235   236 
A Analisis Kolaborasi Perbankan Syariah dan Masjid Melalui Pendekatan Nudge Theory: Perspektif Jamaah Masjid di Kabupaten Purwakarta Awaludin, Ade Wahyu; Widana, Gusti Oka
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.v12i2.19528

Abstract

This study aims to analyze the determinants of Islamic financial inclusion within mosque-based communities by integrating Islamic financial literacy, religiosity, nudge, and mosque–bank collaboration. A quantitative cross-sectional approach was employed using data from 120 respondents in Purwakarta Regency. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that Islamic financial literacy has a positive and significant effect on Islamic financial inclusion and serves as the primary determinant in the model. Nudge also has a significant positive effect on inclusion, functioning as a complementary behavioral mechanism rather than a moderating variable. In contrast, religiosity does not have a significant direct effect on inclusion, indicating the presence of an attitude–behavior gap. Furthermore, religiosity negatively affects nudge, while collaboration does not significantly influence inclusion and shows a relatively small effect size. A notable finding is the negative moderating effect of mosque–bank collaboration on the relationship between religiosity and inclusion. This study contributes to the Islamic behavioral finance literature by highlighting the importance of integrating cognitive, behavioral, and institutional factors in promoting community-based Islamic financial inclusion.
From Risk to Trust: Strengthening QRIS Usage in MSMEs for Islamic Financial Inclusion Rony Arpinto Ady; Aji, Lintang Pamugar Mukti; Kristiani, Endah
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.v12i2.19566

Abstract

Wider access to QRIS has strengthened the digital payments environment for Indonesian micro, small, and medium-sized enterprises, yet regular use is still shaped by how users evaluate financial information and security-related uncertainty. Based on responses from 180 MSME customers in Yogyakarta who had completed at least one QRIS payment, this research examined the interplay of financial literacy, perceived security risk, trust in QRIS security, behavioural intention and actual usage using Partial Least Squares Structural Equation Modelling, and the analysis. The analysis confirms that financial literacy encourages adoption in two main ways: it increases willingness to use QRIS and fosters stronger trust in the system’s security. At the same time, perceptions of security risk work in the opposite direction. When users remain concerned about fraud, data exposure, or similar threats, both trust and behavioural intention decline. Trust then becomes a pivotal mechanism in the adoption process, as it contributes positively to intention as well as actual QRIS use. The analytical model also accounts for a substantial share of the variation in realised usage behaviour. A further result concerns the interaction effect: trust significantly moderates the link between behavioural intention and actual usage, but the direction is negative. This suggests that once users already trust QRIS and have incorporated it into their payment habits, stronger intention adds only limited incremental influence to their level of actual use. The overall implication is that broader QRIS adoption among MSMEs depends on simultaneous progress in financial literacy, risk reduction, and visible security assurance. Viewed from the perspective of Islamic finance, the results also indicate thatt Islamic banks, Islamic microfinance institutions, and other sharia-compliant intermediaries are well positioned to encourage digital financial inclusion by linking QRIS expansion with financial education and reliable payment security.
Islamic Banking, Political Economy, and Financial Development: A Bibliometric Mapping of Global Research Trends Using VOSviewer Marlina, Reni; Sakuroh, Lilis; Hendriawan, Erry
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.v12i2.19582

Abstract

This study aims to analyze the global research trends on Islamic banking, political economy, and financial development using a quantitative bibliometric approach. Data were collected from the Scopus database, covering 541 publications published between 2010 and 2025. The dataset was analyzed using VOSviewer to identify the intellectual structure, thematic evolution, and research gaps within the field. The results show a total of 15,632 citations, with an average of 28.88 citations per document and an h-index of 52, indicating a strong academic impact. Keyword co-occurrence analysis identified 104 significant keywords (minimum occurrence: 5), forming five major clusters, with dominant themes including Islamic banking (178 occurrences), financial development (132), and economic growth (119). The network visualization reveals a total link strength exceeding 3,400, reflecting a highly interconnected research structure. Density visualization confirms that financial development and banking performance are the most concentrated research areas, while political economy and innovation-related themes remain less explored. Furthermore, overlay visualization indicates a temporal shift toward emerging topics such as fintech (average year 2022.6), sustainability (2021.9), and ESG (2023.1), although their occurrence levels remain relatively low (12–28). These findings suggest that while Islamic banking has been extensively studied in relation to financial growth, the integration of political economy perspectives and technological innovation is still limited. This study contributes by providing a comprehensive mapping of research trends and identifying critical gaps for future investigation, particularly in strengthening interdisciplinary linkages to support sustainable financial development.
Implementasi Akad Istishna Pada Pembiayaan KPR Syariah Pada Bank Syariah Nasional Tinjauan Fatwa DSN MUI No: 06/DSN-MUI/IV/2000 Azhar Taufik; Febriani, Dina; Supyadillah, Asep; Sulistia, Hesty Ade
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.v12i2.19587

Abstract

This study aims to analyze the implementation of the istishna’ contract in the KPR Indent IB home financing product at Bank BTN Syariah (BSN) and to assess its compliance with DSN-MUI Fatwa No. 06/DSN-MUI/IV/2000 concerning Istishna’ Sale and Purchase. The background of this research is based on the increasing public demand for home ownership through sharia-compliant financing schemes that are free from elements of riba (usury) and gharar (uncertainty). This research employs a descriptive qualitative method with a case study approach. Data were collected through observation and interviews with officials of Bank BTN Syariah/BSN, Harmoni Branch, Central Jakarta, as well as a partner property developer in the Depok area. The data analysis technique applied the Miles and Huberman model, which includes data collection, data reduction, data display, and conclusion drawing. The findings indicate that the implementation of the istishna’ contract in the KPR Indent IB product fulfills the essential pillars and conditions stipulated in the DSN-MUI Fatwa, particularly in terms of payment provisions, clarity of the contract object specifications, delivery mechanisms, and financing risk management. The margin scheme is determined as fixed or tiered without altering the principal price agreed upon at the inception of the contract, thereby avoiding elements of gharar. Risk management is conducted through warning mechanisms, restructuring measures, collateral execution in cases of default, and the imposition of ta’zir penalties allocated to charitable funds. It can therefore be concluded that the implementation of the istishna’ contract in the KPR Indent IB financing product at Bank BTN Syariah/BSN is substantially in accordance with sharia principles and the applicable fatwa regulations in Indonesia.
Efisiensi & Efektivitas Pengelolaan Dana Zakat di Lazismu Kota Pekalongan Periode 2019-2024 Dengan Metode: Data Envelopment Analysys (DEA) & Alocation To Collection Ratio (ACR) Septiyani, Firda; Hudaya, Fadli
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.v12i2.19596

Abstract

This study aims to analyze the efficiency and effectiveness of zakat fund management at Lazismu Pekalongan City during the 2019–2024 period. This study employs a descriptive quantitative approach. The data used are secondary data derived from the financial reports of Lazismu Pekalongan City for the years 2019–2024. Efficiency was measured using the Data Envelopment Analysis (DEA) method with Constant Return to Scale (CRS) and Variable Return to Scale (VRS) models, employing both input-oriented and output-oriented approaches. Meanwhile, effectiveness was measured using the Allocation to Collection Ratio (ACR). The research results show that during most of the observation period at Lazismu Pekalongan City, efficiency levels reached 100%, specifically in 2019, 2020, 2021, and 2023. However, in 2022 and 2024, inefficiencies persisted, with efficiency values of 85.1% and 46.4%, respectively, in the CRS model. In the VRS model, inefficiency occurred only in 2024, with an efficiency value of 52.7% in the input-oriented approach and 81.6% in the output-oriented approach. Meanwhile, the results of effectiveness measurement using the ACR ratio indicate that Lazismu Pekalongan City performance falls within the effective to highly effective category, with ACR values ranging from 81% to over 100%.
Pengelolaan dan Pemanfaatan Sumber Daya Alam di Desa Sojomerto Kecamatan Gemuh Kabupaten Kendal Perspektif Islam Annurroin, Nur
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.v12i2.19607

Abstract

Natural resources are a gift from Allah SWT. Which is given to humans so that they can be managed and utilized properly and wisely for the prosperity of human life, therefore natural resources need to be preserved and maintained as well as possible. This research was conducted with the aim of integrating the values ​​of Islamic sharia principles in managing and utilizing existing natural resources. This study uses a qualitative research method with a descriptive approach. With descriptive research, researchers try to describe events and incidents that are currently the center of attention without being biased towards certain parties. The results of the study show that the management and utilization of natural resources in Sojomerto are required ethically in accordance with Islamic principles for sustainable development, where in Islam humans are required to maintain and also preserve nature for the welfare of humans themselves. In the management and utilization of Islamic principles, several principles are needed, namely the principle of Grace towards nature, the principle of Responsibility, the principle of Solidarity, the principle of Compassion and concern for nature
Strategi Manajemen Risiko Pembiayaan Perbankan Syariah dalam Menghadapi Bencana Alam: Studi Literatur Fazriah, Siti; Indrawanto, Setya; Riyanto, Yudi
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.v12i2.19617

Abstract

Natural disasters represent external risks that can affect the stability of Islamic banking, particularly in the financing sector. These impacts may increase problematic financing due to the disruption of customers’ economic conditions. This study aims to analyze risk management in Islamic banking in dealing with external risks caused by natural disasters and to examine mitigation strategies based on literature review. This study employs a library research method with a descriptive qualitative approach. The data used are secondary data obtained from academic journals, books, regulations issued by the Financial Services Authority (OJK), and fatwas of the National Sharia Council (DSN-MUI). The results show that financing risk management is conducted through stages of identification, measurement, monitoring, and control. Mitigation strategies include financing restructuring, rescheduling of payments, and feasibility analysis using the 5C approach. In addition, OJK regulations and DSN-MUI fatwas serve as the foundation to ensure compliance with Sharia principles. The conclusion, risk management in Islamic banking in dealing with natural disasters requires a systematic, adaptive, and integrated approach to maintain stability and sustainability.
Peran KSPPS Nur Insani Karanganyar Dalam Pengembangan Ekonomi Mikro Berbasis Syariah Pradigdyo, Anton; Tho’in, Muhammad; Prastiwi, Iin Emy
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.v12i2.19618

Abstract

This research aims to analyze the role of KSPPS Nur Insani Karanganyar in providing access to Sharia financing and its contribution to the development of members' micro-businesses. The research method used is descriptive qualitative with data collection techniques through interviews, observation, and documentation. Data analysis was carried out through stages of reduction, data presentation, and drawing conclusions combined with SWOT strategy analysis. The results show that KSPPS Nur Insani plays an important role as an alternative institution for micro-businesses through fast service processes and the use of Sharia contracts. SWOT analysis reveals that the main strength lies in community trust and humanistic services, while the main obstacles are limited human resources and lack of digitalization . The formulated development strategies include service digitalization, human resource capacity building, and strengthening monitoring to mitigate the risk of default.
Rekonstruksi Konsep Uang Dalam Ekonomi Islam: Kritik Terhadap Sistem Moneter Modern Berbasis Maqāṣid Al-Sharī‘ah Romli, Mohammad
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.v12i1.19622

Abstract

This study aims to reconstruct the concept of money in Islamic economics through the Maqāṣid al-Sharī‘ah approach as a critical response to the modern fiat-based monetary system. The contemporary monetary system is widely perceived to exhibit fundamental structural weaknesses, including persistent inflationary pressures, the proliferation of speculative financial activities, and widening inequality in wealth distribution. These conditions indicate a deviation in the function of money from its essential role as a medium of exchange toward becoming a tradable commodity subject to speculation. This research adopts a qualitative method using a library research approach. Data were collected through an extensive review of classical Islamic economic texts, peer-reviewed academic journals, and official reports from national and international financial institutions. The data were analyzed using a descriptive-analytical method integrated with a normative Maqāṣid al-Sharī‘ah framework, which encompasses the preservation of religion (ḥifẓ al-dīn), life (ḥifẓ al-nafs), intellect (ḥifẓ al-‘aql), lineage (ḥifẓ al-nasl), and wealth (ḥifẓ al-māl). The findings reveal that, within Islamic economics, money should be restored to its fundamental roles as a medium of exchange and a unit of account, than as a commodity and a speculative instrument. The reconstruction of the concept of money based on Maqāṣid al-Sharī‘ah emphasizes value stability, equitable distribution, and the prohibition of riba and gharar practices. Therefore, this study highlights the urgency of reforming the global monetary system toward a more just, stable, and sustainable framework in line with Islamic principles.
PENGARUH LITERASI KEUANGAN DAN RELIGIUITAS TERHADAP KEPUTUSAN MENGGUNAAN PRODUK BANK SYARIAH: 1. Kajian Teori , 2. Metode Penelitian, 3. Hasil dan Pembahasan , 4. Kesimpulan dan Saran, 5. Referensi Purwanti, Sinta; Prastiwi, Iin Emy; Marimin, Agus `
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.v12i2.19625

Abstract

This study aims to analyze the influence of financial literacy and religiosity on people's decisions to use Islamic banking services. This study examines the influence of financial literacy partially, religiosity partially, and the influence of both simultaneously on the decision to use Islamic banking services. This study uses a quantitative approach through a survey data collection method. The research sample consisted of 100 respondents from the Kebayoran Lama Selatan District community. The number of respondents was determined using the Slovin formula. Data were obtained through a Likert scale questionnaire instrument and then analyzed using linear regression analysis. First, the data were confirmed for their feasibility through validity, reliability, and classical assumption tests. The results show that financial literacy and religiosity have a positive and significant impact on people's decisions to use Islamic banking services simultaneously (F = 138.482; sig = 0.000). The Adjusted R2 value shows 0.735, explaining that both variables are able to explain 73.5% of the variation in decisions, while the remainder is explained by other factors outside the research model. Partially, financial literacy has a positive and significant effect on the decision to use Islamic banking services (t=3.186; sig=0.002). Religiosity also has a positive and significant effect on people's decisions (t=13.469; sig=0.000). This indicates that religiosity dominates the influence on decisions.

Page 234 of 238 | Total Record : 2377

 232   233   234   235   236 

Filter by Year

2015 2026


Reset
Filter By Issues
All Issue Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025 Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025 Vol. 11 No. 04 (2025): JIEI : Vol. 11, No. 04, 2025 Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025 Vol. 11 No. 02 (2025): JIEI : Vol. 11, No. 02, 2025 Vol. 11 No. 01 (2025): JIEI : Vol.11, No. 01, 2025 Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024 Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024 Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024 Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024 Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024 Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024 Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023 Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023 Vol 9, No 2 (2023): JIEI : Vol.9, No.2, 2023 Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023 Vol 9, No 1 (2023): JIEI : Vol.9, No.1, 2023 Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023 Vol 8, No 3 (2022): JIEI : Vol.8, No.3, 2022 Vol. 8 No. 3 (2022): JIEI : Vol.8, No.3, 2022 Vol. 8 No. 2 (2022): JIEI : Vol. 8, No. 2, 2022 Vol 8, No 2 (2022): JIEI : Vol. 8, No. 2, 2022 Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022 Vol 8, No 2 (2022): JIEI Vol. 7 No. 3 (2021): JIEI : Vol. 7, No. 3, 2021 Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021 Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021 Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021 Vol 6, No 3 (2020): JIEI : Vol.06, No. 03, 2020 Vol. 6 No. 3 (2020): JIEI : Vol.06, No. 03, 2020 Vol 6, No 2 (2020): JIEI, Vol.06, No. 02 Juli 2020 Vol 6, No 1 (2020): JIEI, Vol. 06 No. 01, 2020 Vol 5, No 01 (2019): JIEI, Vol. 05 No. 01, 2019 Vol. 5 No. 3 (2019): JIEI Vol.05 No.03 2019 Vol 5, No 3 (2019): JIEI Vol.05 No.03 2019 Vol 5, No 2 (2019): JIEI, Vol. 05 No. 02, 2019 Vol 4, No 03 (2018): JIEI, Vol. 04, No. 03, 2018 Vol 4, No 02 (2018): JIEI, Vol. 04, No. 02, 2018 Vol 4, No 01 (2018): JIEI, Vol. 04, No. 01, 2018 Vol 3, No 03 (2017): JIEI, Vol. 03, No. 03, 2017 Vol 3, No 02 (2017): JIEI, Vol. 03, No. 02, 2017 Vol 3, No 01 (2017): JIEI, Vol. 03, No. 01, Maret 2017 Vol 1, No 02 (2015): Jurnal Ilmiah Ekonomi Islam, Vol. 01, No. 02, Juli 2015 Vol 2, No 03 (2016): Jurnal Ilmiah Ekonomi Islam, Vol. 02, No. 03, November 2016 Vol 2, No 02 (2016): Jurnal Ilmiah Ekonomi Islam, Vol. 02, No. 02, Juli 2016 Vol. 2 No. 02 (2016): Jurnal Ilmiah Ekonomi Islam, Vol. 02, No. 02, Juli 2016 Vol 2, No 01 (2016): Jurnal Ilmiah Ekonomi Islam, Vol. 02, No. 01, Maret 2016 Vol 1, No 03 (2015): Jurnal Ilmiah Ekonomi Islam, Vol. 01, No. 03, November 2015 Vol. 1 No. 02 (2015): Jurnal Ilmiah Ekonomi Islam, Vol. 01, No. 02, Juli 2015 Vol 1, No 01 (2015): Jurnal Ilmiah Ekonomi Islam, Vol. 01, No. 01, Maret 2015 Vol. 1 No. 01 (2015): Jurnal Ilmiah Ekonomi Islam, Vol. 01, No. 01, Maret 2015 More Issue