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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 2,443 Documents
LuckyKurnia_PERSERODA PERAN BPR DALAM MENINGKATKAN KESEJAHTERAAN EKONOMI MASYARAKAT KELURAHAN NGRINGO BERDASARKAN PRINSIP MASLAHAH (Studi Kasus PT. BPR BKK Tasikmadu (Perseroda): PERAN BPR DALAM MENINGKATKAN KESEJAHTERAAN EKONOMI MASYARAKAT KELURAHAN NGRINGO BERDASARKAN PRINSIP MASLAHAH (Studi Kasus PT. BPR BKK Tasikmadu (Perseroda) Lucky Kurnia Setiawan; Iin Emy Prastiwi; Agus Marimin
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.19823

Abstract

This study aims to identify the application of the maslahah principle in the operations and financing services carried out by PT. BPR BKK Tasikmadu (Perseroda), and to analyze the role of PT. BPR BKK Tasikmadu (Perseroda) in improving the economic welfare of the Ngringo Village community through the perspective of the maslahah principle. The research employed a descriptive qualitative approach supported by quantitative data. Data were collected through interviews, observation, documentation, and questionnaires distributed to micro-financing customers. Data analysis was conducted using data reduction, data display, and conclusion drawing techniques, strengthened by SWOT analysis and the maslahah framework approach. The findings indicate that micro-financing dominates approximately 65% of the financing portfolio with relatively controlled risk levels. The overall average questionnaire score of 4.50 falls into the “very good” category, indicating that the financing services are perceived as transparent, professional, and beneficial by customers. The implementation of the maslahah principle is reflected in the fulfillment of dharuriyah, hajiyah, and tahsiniyah levels simultaneously. Furthermore, micro-financing contributes to business capacity improvement, reduces dependence on informal loans, and enhances community welfare materially, psychologically, and spiritually. Therefore, PT. BPR BKK Tasikmadu (Perseroda) functions not only as a financial intermediary institution but also as an instrument of economic empowerment based on maslahah principles.
PENGARUH OPRASIONAL PEMBIAYAAN SYARIAH DAN PEMBERDAYAAN UMAT TERHADAP PENGEMBANGAN EKONOMI DI KSPPS BMT BINA MANDIRI INSANI Sopyan Ardana; Agus Marimin; Iin Emy Prastiwi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.19826

Abstract

This study examines the role of KSPPS BMT Bina Mandiri Insani in fostering economic development among its members, particularly by increasing income levels and promoting economic self-reliance. A quantitative approach was employed using a survey method involving 80 respondents selected through purposive sampling. Data were gathered through structured questionnaires based on a Likert scale, supported by limited interviews and documentation. The data were analyzed using multiple linear regression after passing validity, reliability, and classical assumption tests. The findings reveal that operational systems, community economic empowerment, and Islamic financing collectively exert a positive and significant influence on members’ economic development. Individually, Islamic financing emerges as the most influential variable. These results highlight that BMT functions not only as a financial intermediary but also as a strategic instrument for empowering communities and supporting sustainable economic growth based on Islamic principles.
A Pengaruh Pengetahuan Produk,Promosi Dan kualitas Pelayanan Terhadap Minat Pembiayaan Di BMT Comal Pemalang Widadi; Abdul Haris Romdoni; Desy Nur Pratiwi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.19844

Abstract

This study aims to analyze the influence of product knowledge, promotional strategies, and service quality on members' interest in obtaining financing at BMT Comal, Pemalang. Employing a quantitative associative design, data were gathered from 100 respondents selected based on the Slovin formula. Data collection instruments included questionnaires, interviews, observations, and documentation. The analytical techniques applied involved classical assumption tests, multiple linear regression, as well as t-tests and F-tests at a 5% significance level. The findings reveal that, partially (t-test), product knowledge and service quality contribute positively and significantly to financing interest. This indicates that an increase in members' understanding and service quality is directly proportional to a higher interest in financing. However, the promotion variable did not show a significant influence. Collectively (F-test), all three variables significantly impact the interest in financing at BMT Comal, Pemalang.
Zakat Management Institutions in Indonesia: A PESTEL-TOWS Strategic Analysis Yan Hardiyanto; Arief Safari; Amie Amelia
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.19886

Abstract

Zakat Management Organizations (LAZ) play a strategic role in Indonesia's non-bank Islamic financial ecosystem. However, a significant gap remains between the national zakat potential, estimated at IDR 327 trillion annually, and the actual collection of IDR 40.5 trillion in 2024. This study analyzes internal and external challenges and proposes strategies to strengthen LAZ institutions in Indonesia. It employs a descriptive-analytical qualitative approach through a Systematic Literature Review (SLR) using the PRISMA protocol. Data were collected from official BAZNAS reports, PUSKAS BAZNAS publications, government regulations, Statistics Indonesia (BPS) data, and academic literature published between 2018 and 2025. The analysis integrates the PESTEL framework, Porter's Value Chain, SWOT analysis, and the TOWS matrix. This study's novelty lies in integrating these four frameworks into a unified strategic analysis model to strengthen LAZ institutions in Indonesia. The findings indicate that strengthening LAZ requires greater transparency in zakat management through disclosure of collection, distribution, reporting, and program impact, potentially supported by blockchain technology and Artificial Intelligence. Furthermore, transforming mustahik (zakat recipients) into muzakki (zakat payers) through sustainable economic empowerment programs is an important strategy for enhancing beneficiaries' economic independence. This study recommends synchronizing national zakat data, standardizing amil competencies, and strengthening LAZ governance digitalization to improve accountability and optimize zakat collection and utilization.
PENGARUH LITERASI KEUANGAN SYARIAH DAN PENGETAHUAN INVESTASI TERHADAP MINAT INVESTASI MASYARAKAT BOYOLALI Muh. Fariz Febri Haris; Agus Marimin; Suhesti Ningsih
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.19943

Abstract

The Islamic financial industry in Indonesia shows a positive trend, but public interest in investing in Islamic instruments remains relatively low. This study analyzes the influence of Islamic financial literacy and investment knowledge on investment interest among the people of Boyolali. This research uses a quantitative survey approach. The researchers collected data through questionnaires distributed to 97 respondents and analyzed them using multiple linear regression. The results show that Islamic financial literacy and investment knowledge positively and significantly affect investment interest, both individually and jointly. These findings indicate that increasing public understanding of Islamic financial principles and investment concepts can significantly encourage participation in Islamic investment. This study provides implications for policymakers and financial institutions to enhance educational programs and promote Islamic financial inclusion.
REKONSTRUKSI GOOD CORPORATE GOVERNANCE DALAM PERSPEKTIF EKONOMI SYARIAH UNTUK MENINGKATKAN INTEGRITAS TATA KELOLA PERUSAHAAN Este Fania; Ropingi El-Ishaq
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.19957

Abstract

This study aimed to reconstruct Good Corporate Governance (GCG) within the framework of Islamic economics to enhance corporate governance integrity. The study applied a qualitative method using a systematic literature review of scholarly journals, books, and institutional reports. The results showed that conventional GCG principles emphasise procedural compliance but lack ethical and spiritual dimensions. Islamic economic principles, particularly maqashid sharia, introduce value-based governance that integrates moral accountability, justice, and social responsibility. The reconstructed model strengthens governance integrity through internalised ethical values and stakeholder-oriented accountability. This study concludes that Islamic-based GCG provides a more comprehensive governance framework that supports sustainable and trustworthy corporate practices.
Pengaruh Transaparansi, Empati Dan Social Influence Terhadap Minat Donasi Generasi Z Pada Platform Crowfunding Kitabisa Fadila Saputri
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.20646

Abstract

This study aims to analyse the influence of transparency, empathy, and social influence on Generation Z's donation intention through the Kitabisa crowdfunding platform. The study employed a quantitative approach with an associative research design. Primary data were collected through the distribution of questionnaires. The data were analysed using multiple linear regression with IBM SPSS Statistics. The results indicate that transparency, empathy, and social influence have a positive and significant effect on Generation Z's donation intention, both partially and simultaneously. These findings suggest that improving transparency in fund management, strengthening empathy toward others, and fostering positive social support and influence can enhance Generation Z's intention to donate through the Kitabisa crowdfunding platform.
Pengaruh Performance Expectancy, Effort Expectancy, Social Influence, Price Value, Label Halal, Dan Label Ramah Lingkungan Terhadap Minat Beli Makanan Generasi Z Pada Layanan Online Food Delivery Di Kota Surabaya Annisa Azzahra; Ach. Yasin
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.20647

Abstract

The growth of online food delivery (OFD) services has driven changes in consumer behavior particularly, among Generation Z, as people seek practical and efficient ways to meet their food needs. In addition to convenience and speed, product attributes such as halal certification and eco labels have become key considerations in purchasing decisions. Halal certification is crucial for Muslim consumers due to limitations in inspecting products directly, while the increasing use of single use packaging in OFD services contributes to the accumulation of plastic waste, thereby reinforcing the importance of eco labels. This study aims to analyze the factors influencing Generation Z’s interest in purchasing food through OFD services in Surabaya. This study employed a quantitative method using primary data from 285 respondents collected via an online questionnaire and analyzed using SEM-PLS with the assistance of SmartPLS 4.0. The results indicate that performance expectancy, effort expectancy, social influence, price-value, halal labels, and eco labels significantly influence Generation Z’s interest in purchasing food through OFD services. This indicates that utilitarian, social, and economic factors, as well as product attributes, play a significant role in shaping Generation Z’s interest in purchasing food through OFD services in Surabaya.
Pengaruh Literasi Halal dan Religiusitas Terhadap Keputusan Pembelian Kosmetik Halal di Kabupaten Sidoarjo Zahrotul Wafa Islamiyah; Sri Abidah Suryaningsih
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.20657

Abstract

This study is motivated by the rapid growth of the halal cosmetics industry, which has not yet been matched by an adequate level of public understanding regarding the concept of halal. The research aims to determine how the level of halal understanding and an individual's religious conviction influence purchasing decisions for cosmetics sold in Sidoarjo Regency. A quantitative methodology was employed, with data collected via online questionnaires completed by 164 respondents who met the study's participation criteria. Data analysis was conducted using multiple linear regression techniques with IBM SPSS Statistics software (version 25). The findings reveal that the ability to understand the halal concept and an individual's level of religious faith influence the decision to purchase halal cosmetics, both individually and simultaneously. The F-test yielded a value of 411.248 and a significance level of 0.000 (p < 0.05), indicating that both variables have a significant impact on purchasing decisions. The coefficient of determination (R²) was 0.834, signifying that these two variables account for 83.4% of the variation in purchasing decisions. Overall, halal literacy and religiosity levels significantly reinforce and influence the public's decision to purchase halal cosmetics in Sidoarjo Regency.
garuh Label Halal Dan Brand Image Terhadap Keputusan Pembelian Ice Cream Mixue & Tea di Kediri Ira Febriyanti; Sri Abidah Suryaningsih
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.20659

Abstract

This study is motivated by the rapid growth of the modern food and beverage industry in Indonesia, alongside the fact that halal status is a primary concern for Muslim consumers. Mixue, as an international brand, previously sparked debate regarding the halal status of its products. Theoretically, the halal label serves not only as a guarantee of Sharia compliance but also as a means of building a positive brand image. Mixue’s halal certification in February 2023 serves as a prime example of how such certification can enhance consumer perceptions of a brand's credibility and reputation. This research aims to analyse the influence of the halal label and brand image on purchasing decisions for Mixue Ice Cream & Tea in Kediri. A quantitative method was employed, utilising online questionnaires distributed to 115 respondents, followed by analysis using multiple linear regression with SPSS version 25. The results indicate that both the halal label and brand image have a significant influence, both partially and simultaneously, on purchasing decisions. In conclusion, the halal label provides a sense of security for Muslim consumers, while brand image enhances the product's appeal; thus, both serve as crucial factors in building consumer trust and loyalty.

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