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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 2,412 Documents
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Analisis Pemenuhan Defisit BPJS Melalui Optimalisasi Penggunaan Dana Wakaf Dengan Pendekatan Model Regresi Time Series Siti Fazriah
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20125

Abstract

The sustainability of the national health financing system is a significant challenge as the BPJS Kesehatan financial deficit persists due to an imbalance between premium revenue and healthcare service costs. This study aims to analyze the potential for optimizing the Waqf Fund as an alternative financing source to help reduce the BPJS Kesehatan deficit in Indonesia. The study used a quantitative approach with a time series regression method based on secondary data obtained from BPJS Kesehatan, the Indonesian Waqf Board (BWI), and various other supporting sources. The results show that the collection of the Waqf Fund has experienced a positive upward trend, from approximately IDR 855 billion in 2019 to IDR 2.23 trillion in 2023. Projections for the 2025–2029 period indicate that the Waqf Fund has the potential to increase to IDR 7.6 trillion, while the BPJS Kesehatan deficit is estimated to increase from IDR 16 trillion to IDR 25 trillion. Although it cannot yet cover the entire deficit, the Waqf Fund is projected to contribute approximately 18–35% to the financing needs of the BPJS Kesehatan deficit. Furthermore, the use of Waqf Funds for healthcare financing aligns with the principles of maqasid sharia, particularly hifz al-nafs (protection of life). Therefore, optimizing productive waqf has the potential to become a sustainable, complementary financing instrument to support the national healthcare system.
Pengaruh Sertifikasi Halal dan Inovasi Produk terhadap Kinerja Pemasaran UMKM Makanan dan Minuman di Kecamatan Dlanggu Kabupaten Mojokerto Muhammad Haris Muhasibi; Abdillah Mundir; Ifdlolul Maghfur
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20172

Abstract

The dynamics of the food and beverage industry require Micro, Small, and Medium Enterprises (MSMEs) to balance compliance with religious regulations and business innovation strategies. This study aims to investigate the impact of Halal Certification and Product Innovation on Marketing Performance among MSME actors in the food and beverage sector in the Dlanggu District area. Utilizing a quantitative approach and survey methods, primary data were gathered from 99 business respondents determined through a purposive sampling technique. Hypothesis testing was carried out using multiple linear regression analysis in SPSS. The research findings partially support the view that the ownership of Halal Certification provides a significant positive contribution to boosting local marketing performance. On the other hand, the aspect of Product Innovation does not show a significant effect on marketing achievements. Even so, when tested simultaneously, the interaction between Halal Certification and Product Innovation variables proved to have a very significant influence, contributing 72.7% to variations in marketing performance. This research emphasizes that, for the characteristics of suburban consumers, the presence of innovation in new products will receive a positive response and be absorbed by the market only if it is supported by a valid guarantee of halal legality.
Pengaruh Net Allocation to Collection Ratio (NET ACR) dan Pertumbuhan Penghimpunan terhadap Kinerja Keuangan pada Organisasi Pengelola Zakat (OPZ) Nasional di Indonesia Periode 2019-2024 Ica Khoerunnisa; Intan Rahayu
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20230

Abstract

This study aims to analyze the effect of Net Allocation to Collection Ratio (Net ACR) and Collection Growth on Financial Performance as measured by the Operational Expenses Ratio (OER) in the National Zakat Management Organization (OPZ) in Indonesia for the 2019-2024 period. This study uses a quantitative approach with a documentation method, namely by collecting secondary data in the form of financial reports published by OPZ. The sample in this study was determined by the purposive sampling technique and consisted of 9 OPZs with 54 observation data points. Data analysis was carried out using panel data regression through EViews 12 with descriptive statistical testing, model feasibility testing, classical assumption testing, and hypothesis testing through t-test, F-test, and coefficient of determination. The results of the study indicate that Net ACR has a positive and insignificant relationship with OER. Conversely, collection growth has a positive and significant effect on OER. Simultaneously, Net ACR and Collection Growth have a significant effect on OER. This finding indicates that fund collection growth is a more influential factor on OER than the effectiveness of fund distribution reflected in Net ACR. Overall, the results indicate that financial performance, as measured by OER, does not reflect operational efficiency. Therefore, efforts are needed to improve OPZ financial performance optimally.
Peran DPS Dalam Penguatan SOP Dalam Oprasional LKS:Studi Implementasi Dan Pengawasan Eko Arief Cahyono; Melisa Agustin Maharani; Moh. Nur Hidayatulloh; Dilla Nisa’ul Mufida; Afif Zainal Musthofa
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20232

Abstract

This study aims to analyze the role of the Sharia Supervisory Board (Dewan Pengawas Syariah/DPS) in strengthening Standard Operating Procedures (SOPs) within the operational activities of Islamic Financial Institutions (Lembaga Keuangan Syariah/LKS). The research also examines the DPS's implementation of SOP supervision, identifies constraints, and identifies efforts to optimize sharia supervision. The study employs a qualitative research design with a descriptive-analytical approach. Data were collected through literature review and documentation, using various sources, including peer-reviewed journals, books, fatwas issued by the National Sharia Board–Indonesian Council of Ulama (DSN-MUI), regulations from the Financial Services Authority (OJK), the Sharia Banking Law, and other relevant supporting documents. The collected data were then analyzed using descriptive analysis techniques to connect the findings with theories of sharia compliance and sharia governance. The results of the study indicate that the DPS plays a strategic role in strengthening operational SOPs through its functions of monitoring sharia compliance, providing recommendations, evaluating SOPs, supervising the implementation of contracts (akad), and reviewing new products and services. The DPS also contributes to building a culture of sharia compliance and improving the quality of institutional sharia governance. However, the effectiveness of the DPS’s supervision still faces several challenges, including limited human resource competencies, issues related to independence, and insufficient supporting facilities for supervision. Therefore, enhancing competence and professionalism, and strengthening the institutional position of the DPS, are essential steps to optimize sharia supervision in LKS.
Pengaruh Angkatan Kerja dan Investasi Terhadap Aglomerasi Industri di Pulau Sumatera Dalam Perspektif Ekonomi Islam (Analisis Data Panel 2018-2024) Veri Yulianto; Dimas Pratomo; Citra Etika
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20310

Abstract

This study analyzes the influence of labor force and investment on industrial agglomeration in Sumatera Island from an Islamic economics perspective during 2018–2024. The study employs a quantitative approach using panel data covering 10 provinces in Sumatera Island. The study obtained secondary data from Statistics Indonesia (BPS) and analyzed them using panel data regression techniques. Model selection used the Chow and Hausman Tests, which indicated that the Fixed Effect Model (FEM) was the most appropriate estimation model. The results show that the labor force variable has a positive and significant effect on industrial agglomeration, with a coefficient of 0.219315 and a probability value of 0.0492. Meanwhile, investment has a negative and insignificant effect on industrial agglomeration, with a coefficient of -0.003042 and a probability of 0.8274. Simultaneously, labor force and investment significantly affect industrial agglomeration, as indicated by an F-statistic probability value of 0.000000. The Adjusted R-squared value of 0.994003 indicates that labor force and investment explain 99.40% of the variation in industrial agglomeration, while the remaining 0.60% is explained by factors outside the model. From the perspective of Islamic economics, labor force and investment are strategic instruments for promoting economic development that is just, balanced, and oriented toward public welfare (maslahah). Therefore, industrial agglomeration should be directed not only to improve economic efficiency but also to achieve equitable regional development in accordance with the principles of al-'adl (justice), tawazun (balance), and maslahah (public interest).
The Analisis Economic Value Added (EVA) Sebagai Ukuran Kinerja Berbasis Nilai Pada Perbankan Syariah Yang Terdaftar Di Bursa Efek Indonesia (BEI) Periode 2018–2025 Fathia Ahya Iman
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20354

Abstract

This study analyzes value-based financial performance of four conventional Islamic banks listed on the Indonesia Stock Exchange (IDX), namely PT Bank Syariah Indonesia Tbk (BRIS), PT Bank BTPN Syariah Tbk (BTPS), PT Bank Aladin Syariah Tbk (BANK), and Bank Panin Dubai Syariah Tbk (PNBS) during the period 2018–2025, using the Economic Value Added (EVA) method. The study results show that (1) BRIS experienced significant NOPAT growth after the 2021 merger, but EVA remained negative for most of the period due to high cost of capital compared to large capital; (2) BTPS recorded positive EVA in 5 out of 8 years with the second-highest average NOPAT but was affected by changes in cost of capital; (3) BANK (Aladin Syariah) had the highest proportion of years with positive EVA (7 out of 8 years) despite low NOPAT, reflecting relatively good capital efficiency; and (4) PNBS consistently recorded negative EVA until it finally turned positive in 2025. This finding shows that growth in operating profit alone does not guarantee value creation for shareholders if it is not accompanied by efficient management of capital costs.
Pengaruh Literasi Keuangan Syariah, Persepsi Risiko, Sikap, Norma Subjektif, Dan Persepsi Kendali Perilaku Terhadap Minat Berinvestasi Emas Dela Akira Rimadani; Ach. Yasin
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20366

Abstract

The low interest of Generation Z in gold investment is a contradictory phenomenon amid increasing investment awareness and easy access to investment platforms in Indonesia, especially in East Java, with has the second-largest Generation Z population in Indonesia. This study aims to analyze the influence of Islamic financial literacy, risk perception, attitudes, subjective norms, and perceived behavioral control on the interest in gold investment of Generation Z in East Java. This study uses a quantitative approach with primary data collected through questionnaires and analyzed using SEM-PLS (SmartPLS3). The results of the study indicate that the variables of Islamic financial literacy, risk perception, attitudes, subjective norms, and perceived behavioral control significantly influence Generation Z's interest in gold investment of Generation Z in East Java. Therefore, the government, financial institutions, and investment service providers should design more effective Islamic financial education programs or risk management for Generation Z, in order to encourage interest in gold investment.
Penerapan Prinsip Ekonomi Sirkular Melalui Program Memilah Sampah Menjadi Emas dalam Perspektif Islam: Studi pada Bank Sampah Jekan Mandiri Muhammad Noor Amin; Itsla Yunisva Aviva; Sofyan Hakim; Muhammad Noor Sayuti
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20397

Abstract

This study aims to analyze the implementation of circular economy principles through the Waste-to-Gold Savings Program at Bank Sampah Jekan Mandiri and its conformity with the principles of tawāzun and hifdz al-bi'ah from the perspective of Islamic economics. This study employed a qualitative approach with a case study design. Data were collected through observation, interviews, and documentation involving the management and customers of Bank Sampah Jekan Mandiri. The results show that the Waste-to-Gold Savings Program integrates waste management with gold savings through a partnership with PT Pegadaian and has been joined by 101 customers. The implementation of circular economy principles is reflected in the application of the reduce, reuse, and recycle (3R) aspects, which contribute to waste reduction, increased public awareness, and the creation of economic value from waste. The program is also in line with the principle of tawāzun as it balances economic, social, and environmental aspects, and is consistent with the concept of hifdz al-bi'ah through environmental preservation efforts, as indicated by increased community participation in waste management activities. However, the program faces several challenges, including low public awareness of waste sorting, fluctuations in waste prices, and limited operational facilities.
Faktor-Faktor yang Memengaruhi Niat Membeli Kosmetik Halal yang Ramah Lingkungan di E-commerce: Perluasan Model UTAUT 2 dengan Variabel Trust dan Label Halal Lailatul Mufidah; Ach. Yasin
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20432

Abstract

Growing public awareness of environmental issues is driving changes in consumer behavior toward choosing more environmentally friendly products, including cosmetics. At the same time, digital advancements have made it easier for consumers to make online purchases through e-commerce. This study aims to analyze the factors that may influence the intention to purchase eco-friendly halal cosmetics via e-commerce among residents of East Java, using an extension of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) model that incorporates the variables of trust and halal labeling. A quantitative approach was used. The study used purposive sampling, with a total of 414 respondents. Data analysis was performed using the PLS-SEM (Partial Least Squares - Structural Equation Modeling) method. The results of the study indicate that effort expectancy, facilitating conditions, hedonic motivation, price-value, habit, and trust have a significant positive influence on the intention to purchase eco-friendly halal cosmetics on e-commerce platforms. Meanwhile, performance expectancy, social influence, and the halal label do not significantly influence the intention to purchase eco-friendly halal cosmetics on e-commerce platforms.
Pengaruh Kemudahan, Kegunaan, dan Kepercayaan Terhadap Minat Berinfak Menggunakan QRIS di Surabaya Dian Puspita Rahmawati; Rachma Indrarini
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20444

Abstract

Although infak offers flexibility in terms of the amount and timing of donations, the proportion of funds collected through infak remains lower than that of zakat. This situation highlights the need to study the factors that drive public interest in using the Quick Response Code Indonesian Standard (QRIS) to channel infak. This study aims to analyze the influence of convenience, usefulness, and trust on the public’s interest in making infak donations using QRIS in Surabaya. The study used a quantitative approach with Partial Least Squares Structural Equation Modeling (PLS-SEM). A total of 152 Respondents residing in Surabaya, aged 17 or older, and who had previously used QRIS were selected using purposive sampling, while data were collected through an online questionnaire using a five-point Likert scale. The analysis results confirmed that ease of use (0.173; p-value = 0.014), perceived usefulness (0.282; p-value = 0.003), and trust (0.447; p-value = 0.000) play a role in increasing the interest in making charitable donations using QRIS. Among these three variables, trust emerged as the dominant factor influencing the interest in making charitable donations using QRIS. The coefficient of determination (R²) value of 0.653 indicates that the research model explains 65.3% of the variance in interest in making charitable donations using QRIS, while the remainder is explained by other factors not included in this research model.

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