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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 2,346 Documents
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The Effect of Paylater System, Financial Literacy and Understanding of Islamic Economics on Consumer Consumption Patterns in E-Commerce (A Case Study of the Community in Colomadu District): Studi Kasus pada Masyarakat di Kecamatan Colomadu Munawaroh, Nurul; Prastiwi, Iin Emy; Tho’in, Muhammad
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.v12i2.19643

Abstract

The development of digital technology has contributed to changes in consumer behavior, particularly through the use of e-commerce and digital financial services such as PayLater. The convenience offered by digital payment systems is assumed to influence consumer consumption patterns. This study aims to examine the effect of PayLater usage, financial literacy, and understanding of Islamic economics on consumer consumption patterns in e-commerce in Colomadu District. This research employs a quantitative approach using a survey method. Data were collected through questionnaires distributed to 100 respondents selected using simple random sampling. The data were analyzed using multiple linear regression preceded by validity, reliability, and classical assumption tests, as well as hypothesis testing using t-test and F-test. The results show that partially, PayLater usage and understanding of Islamic economics do not have a significant effect on consumer consumption patterns. In contrast, financial literacy has a significant effect on consumption patterns. Simultaneously, PayLater usage, financial literacy, and understanding of Islamic economics have a significant effect on consumption patterns. These findings indicate that financial literacy plays a more dominant role in shaping consumer behavior compared to the convenience of digital payment systems and the understanding of Islamic economic values.
Analisis Proyeksi Harapan Lama Sekolah dalam Perspektif Maslahah: Studi Komputasi Grey GM(1,1) di Kota Palangka Raya Desmita, Zulya; Afli, Febrianto; Wilda, Robiatul Witari; Yumia, Mega
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.v12i2.19644

Abstract

This research aims to analyze and project the direction of human capital accumulation in Palangka Raya City through the School Expectancy Length (SEL) indicator. Within the framework of Islamic economics, human capital accumulation is viewed as a fundamental instrument for achieving maslahah through the reinforcement of intellectual capacity (Hifdz al-Aql). This study employs a descriptive quantitative approach using secondary time-series data from the Central Bureau of Statistics for the period 2010–2025. Data analysis was conducted using the mathematical modeling of the Grey Forecasting Model GM(1,1), which is superior in predicting trends with limited data without relying on strict statistical distribution assumptions. The results indicate that this model has a very high level of accuracy with a Mean Absolute Percentage Error (MAPE) of 0.865%. Based on the projection results, the School Expectancy Length in Palangka Raya City is predicted to continue rising, reaching 15.47 years by 2030. Substantively, these findings confirm a consistent expansion of human capital, where the future school-age population is projected to be capable of attaining a Bachelor's degree level of education. The implications of this study emphasize the importance of policy synchronization between enhancing human resource capacity and providing strategic employment opportunities to ensure inclusive and sustainable economic welfare in Palangka Raya City.
Peran Koperasi Syariah ‘BAROKAH” SMK Batik 2 Surakarta dalam Mensejahterakan Anggota Melalui Pemberian Pembiayaan Hidayat, Endwie; Prastiwi, Iin Emy; Sumadi
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.v12i2.19665

Abstract

This study aims to analyze the role of the “Barokah” Sharia Cooperative at SMK Batik 2 Surakarta in improving the welfare of its members through financing, as well as to examine the impact of such financing on members’ economic conditions. This research employs a qualitative approach, with data collected through interviews and observations. The results indicate that the “Barokah” Sharia Cooperative operates based on sharia principles derived from the Qur’an and Hadith, ensuring that all activities comply with Islamic law and provide benefits to its members. Furthermore, the management of the cooperative by individuals with a strong understanding of Islamic economics plays a crucial role in enhancing members’ awareness of the benefits and advantages of sharia-based transactions. The financing provided has proven to help meet members’ financial needs and contribute to improving their welfare. Therefore, the “Barokah” Sharia Cooperative serves as an alternative financial institution aligned with sharia principles and supports the sustainable economic development of its members.
Pengaruh Pertumbuhan Ekonomi, Inflasi, BI Rate dan Nilai Tukar Rupiah terhadap Nilai Aktiva Bersih (NAB) Reksadana Syariah di Indonesia Junaidi, Refi Mariska; Nurafini, Fira
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.v12i2.19682

Abstract

The net asset value (NAV) of Islamic mutual funds in Indonesia has fluctuated significantly in recent years and remains lagging behind conventional mutual funds. This situation creates uncertainty for investors and indicates the influence of external factors, particularly macroeconomic variables, on the performance of Islamic mutual funds. The main focus of this research is to identify the influence of macroeconomic indicators, including economic growth, inflation, the BI Rate, and the rupiah exchange rate, on the NAV of Islamic mutual funds in Indonesia. The data used is secondary data with a monthly time series pattern. This secondary data was obtained from official publications released by Bank Indonesia, the Financial Services Authority, the Ministry of Trade of the Republic of Indonesia, and the World Bank. The data period studied covers the period from April 2016 to September 2025. Data analysis uses a Vector Error Correction Model (VECM) approach. The long-term VECM estimation results indicate that economic growth, the BI Rate, and the rupiah exchange rate significantly influence the NAV of Islamic mutual funds. Meanwhile, the inflation variable does not show a significant effect on the NAV of Islamic mutual funds in the long term.
Pengaruh Rasio Keuangan Terhadap Penyaluran Zakat di Lazismu Kota Pekalongan Brilianti, Elita; Saebani
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.v12i2.19692

Abstract

This research focuses on analyzing the impact of financial ratios on the zakat distribution process at LAZISMU Pekalongan City. The independent variables include the distributed zakat ratio, the collection efficiency ratio, the amil's right to zakat ratio, and the zakat revenue growth ratio, while the dependent variable is zakat distribution itself. The approach used is quantitative, relying on secondary data from LAZISMU Pekalongan City's financial reports for the 2022–2024 period, which were converted into monthly data totaling 36 observations. Data collection was carried out through a documentation study of the financial reports. Data analysis applied multiple linear regression using SPSS 26 software, accompanied by classical assumption tests, partial t-tests, simultaneous F-tests, and R² coefficient of determination tests. The research findings revealed that partially, the distributed zakat ratio, collection efficiency ratio, and the amil's right to zakat ratio did not show a significant influence on zakat distribution. Only the zakat revenue growth ratio had a positive influence, although it had not yet reached the 0.05 level of significance. Simultaneously, these four independent variables significantly influenced zakat distribution. The adjusted R-squared value reached 0.341, meaning the independent variables explained 34.1 percent of the variation in zakat distribution, with the remainder influenced by factors outside the model.
Analisis Pengaruh Ulasan Produk, Persepsi Harga, Dan Live Streaming Marketing Terhadap Minat Beli Produk Halal Di Tiktok Shop Isnaeni, Hany Meridha; Stiawan, Evan; Arisandi, Debby
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.v12i2.19724

Abstract

This study aims to explore the impact of product reviews, price perceptions, and live-streaming marketing on purchase intent for halal products on TikTok Shop. The rapid growth of social commerce, particularly through TikTok Shop, has transformed the way consumers shop online. The methodology used in this study is a quantitative approach involving 397 Generation Z respondents in Bengkulu City. Data collection was conducted by distributing a Likert-scale questionnaire. Data analysis was performed using SPSS, including validity and reliability testing, classical assumption tests, multiple linear regression analysis, t- and F-tests, and the coefficient of determination (R²). The research findings indicate that product reviews, price perception, and marketing via live streaming have a positive and significant influence on purchase intent, both individually and collectively. Among these variables, marketing via live streaming was found to have the most dominant impact. The coefficient of determination indicates that 53,8% of the variation in purchase intent can be explained by these three variables.

Page 235 of 235 | Total Record : 2346

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