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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 2,443 Documents
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PEMETAAN Pemetaan Fenomenologis Efektivitas Edukasi Zakat Fisik dan Digital Berbantuan NVivo: Menuju Model Hibrida-Progresif (O2O) bagi Generasi Z: - Daud Pranjaya Daulay; Ramdani
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.v12i5.20672

Abstract

This study aims to analyze the comparative effectiveness of offline and online zakat education programs in shaping Generation Z's interest in paying zakat, and to formulate an integrated educational strategy. Using an experimental phenomenological qualitative design at Asrama Mahasiswa Nusantara (AMN) Surabaya, data were collected through in-depth interviews, observation, documentation, and pre-test and post-test supporting instruments from 16 informants (students, a mentor, and a BAZNAS practitioner). Data analysis using CAQDAS NVivo 12 Pro tools (Word Frequency, Cluster Analysis, Matrix Coding) was then synthesized into a SWOT matrix. The results indicate that maintaining the dichotomy of educational methods is a strategic error. The offline method acts as a Trust Accelerator through spatial authority, despite its vulnerability to logistical inefficiencies. Conversely, the online method is highly effective cognitively but triggers the "Illusion of Presence" and a Spiritual Void due to multitasking distractions. As a resolution, this study proposes the Hybrid-Progressive Zakat Education Model (O2O: Online to Offline to Online), which combines the efficiency of digital reach with the depth of physical interaction to holistically optimize Generation Z's philanthropic potential.
Pengaruh Pengaruh Konten Promsi Tiktok dan Trustworthiness Influencer terhadap Minat Membeli Gen Z pada Unit Usaha Mikro Street Food Halal di Kota Surabaya Maulana Alivio Biyan Soffat; Ahmad Ajib Ridlwan
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.v12i5.20676

Abstract

This study examines the influence of TikTok influencer content and influencer trustworthiness on Generation Z's purchase intention toward halal street food products offered by micro-business units in Surabaya, both partially and simultaneously. This study employed a quantitative approach using purposive sampling. Data were collected through questionnaires distributed to 126 Generation Z respondents who were active TikTok users and resided in Surabaya. The data were analyzed using multiple linear regression, including partial tests (t-test), simultaneous tests (F-test), and the coefficient of determination (R²). The results showed that TikTok influencer content had a positive and significant effect on purchase intention. Influencer trustworthiness also had a positive and significant effect on purchase intention. Furthermore, both variables simultaneously had a positive and significant effect on purchase intention, with a coefficient of determination of 49.1%. These findings indicate that content quality and trust in influencers play an important role in shaping Generation Z's purchase intention toward halal street food products.
Analisis Analisis Pengaruh Brand Trust dan Sertifikasi Halal terhadap Minat Beli Produk di Fitur Salam Tokopedia Diyah Shafa Abinita; A'rasy Fahrullah
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.v12i5.20679

Abstract

This research is driven by the challenge of low consumer trust and understanding of the importance of halal certification on e-commerce platforms, even though Tokopedia has launched the Tokopedia Salam feature to meet the market demand for halal products. The study aims to analyze the influence of brand trust and halal certification on the purchase intention of products on the Tokopedia Salam feature. The research uses an associative quantitative method. Data were collected through an online questionnaire. Data were analyzed using multiple linear regression in SPSS. The research results show that brand trust and halal certification have a positive and significant effect, both partially and simultaneously, on purchase intention in Tokopedia's Salam feature. Therefore, e-commerce service providers and halal product businesses are expected to increase service transparency, strengthen brand reputation, and ensure the visual validity of halal certification on products to optimally boost users' buying interest.
Pengaruh Sikap, Norma Subjektif, dan Kontrol Perilaku Terhadap Niat Sertifikasi Halal UMKM Di Kota Surabaya Dewi Alvi Komariah
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.v12i5.20699

Abstract

This study analyzes the influence of attitude, subjective norms, and behavioral control on MSMEs' intention in Surabaya City to obtain halal certification. A quantitative approach employing an explanatory survey method was used, utilizing primary data collected via questionnaires distributed to MSME owners in the food and beverage sector who do not yet possess halal certification. Purposive sampling was used to select the sample, resulting in 101 respondents. Data were analyzed using multiple regression in SPSS. The results indicate that attitude, subjective norms, and behavioral control positively and significantly influence MSMEs' intention to obtain halal certification, both partially and simultaneously. The Adjusted R-Square value of 0.879 indicates that 87.9% of the variation in the intention to obtain halal certification can be explained by these three variables, while the remaining 12.1% is influenced by variables outside the scope of this study. These findings reinforce the application of the Theory of Planned Behavior in explaining MSME owners' intentions to apply for halal certification and extend its applicability to the context of halal compliance among business operators. From a practical standpoint, the results imply a need to strengthen outreach and education regarding the benefits of halal certification, enhance social support, and simplify procedures while providing better assistance to boost MSME owners' confidence in undergoing the halal certification process. These implications can serve as input for the government, BPJPH, and halal assistance agencies in formulating more effective strategies to increase MSME intention and participation in obtaining halal certification.
Determinan adopsi layanan chatbot pada nasabah bank syariah di Jawa Timur: Perspektif Diffusion of Innovation Theory (DIT) Karina Rendita Ananda Putri; Yan Putra Timur; Muhammad Rifqi
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.v12i5.20729

Abstract

This study aims to identify the factors influencing the intention to adopt chatbot services among Islamic bank customers in East Java from the perspective of Diffusion of Innovations (DOI) Theory. This study employed a quantitative approach with an explanatory research design. Data were collected through questionnaires distributed to 102 Islamic bank customers in East Java who had used chatbot services, with respondents selected using purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) through the evaluation of the measurement and structural models using SmartPLS. The results show that Ease of Use has a positive and significant effect on chatbot adoption intention (β = 0.361; t = 3.881; p < 0.001), while Trialability also has a positive and significant effect (β = 0.284; t = 3.207; p = 0.001). Relative Advantage has a positive but insignificant effect (β = 0.228; t = 1.750; p = 0.080). Compatibility (β = 0.093; t = 0.937; p = 0.349) and Observability (β = 0.009; t = 0.097; p = 0.923) also have positive but insignificant effects. Meanwhile, Complexity has a negative and insignificant effect on chatbot adoption intention (β = -0.003; t = 0.071; p = 0.943). The R² value of 0.830 indicates that all variables in the model explain 83.0% of the variance in chatbot adoption intention. These findings confirm that perceived ease of use and the opportunity to try the service are the most important factors driving customers' intention to adopt chatbots in Islamic banking services.
Shaping the financial responsibility of muslim youth in Surabaya: The role of parental guidance and self-esteem in sharia financial attitude Shafa Amelia; Yan Putra Timur; Muhammad Widyarta Wijaya; Auwalu Shuaibu Muhammad
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.v12i5.20732

Abstract

This study investigates how Parental Guidance and Self-esteem shape Sharia Financial Attitude and Financial Responsibility among muslim youth in Surabaya. Focuses on exploring muslim youth’s perceptions of Parental Financial Guidance, grounded in how Islamic values cooperate with Parental Guidance and Self-esteem in shaping Financial Attitude, and evaluates how Self-esteem influences Financial Attitude. This research uses a quantitative explanatory research method, involving 104 muslim youth between the ages of 17 and 25 who are based in Surabaya. Data were gathered from a questionnaire through Google Forms with a 5-point Likert scale, and the results were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Hypothesis testing revealed that four of the six proposed relationships were statistically significant, confirming that Parental Guidance and Self-esteem significantly shape Financial Attitude, and Financial Attitude significantly predicts Financial Responsibility. The findings show that supportive parents and healthy self-esteem alone are not enough to encourage muslim youth to develop responsible financial behavior unless assimilated as positive financial attitudes and become a part of their thinking.
MENUNGGANGI TREN ATAU TERJEBAK MANIPULASI? ANALISIS FIKIH MUAMALAH TERHADAP STRATEGI FOLLOW THE TREND SAHAM SYARIAH Zia Firdaus Nuzula; Abna Haniif Novel
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.v12i5.20763

Abstract

This study aims to analyze the Islamic law and ethical perspectives of fiqh muamalah on the implementation of the follow-the-trend strategy in sharia stock trading within the secondary market, as well as to formulate the legal parameters of distinction between traders who are victims of market manipulation and those who intentionally exploit the trend. This study employs a qualitative-normative approach using the library research method. Data collection was conducted by reviewing classical fiqh muamalah literature, official fatwas, and related scientific journals, which were then analyzed descriptively and analytically using the framework of Fatwa DSN-MUI No. 80/DSN-MUI/III/2011 and the theory of contract-vitiating elements (mafasiq al-'aqd). The results indicate that the application of the follow-the-trend strategy based on objective technical indicators (such as Moving Average, RSI, MACD, and Support-Resistance) is mechanically permissible (mubah) because it serves as a rational analysis tool (ikhtiar) to mitigate risk and uncertainty (gharar). However, this legal status is conditional and shifts to prohibited when the trend originates from market manipulation (najasy/pump and dump). This study establishes a clear legal distinction: traders who purely rely on objective indicators but get trapped in artificial trends are categorized as deceived victims and are free from sin; conversely, traders who consciously trade "manipulated stocks" for rapid gains are categorized under ta'awun 'ala al-ithm (cooperating in sin) because their actions expand the volume of market manipulation. This study recommends the strict implementation of Sharia parameter boundaries encompassing stock objects, decision bases, mechanisms, and transaction purposes.
THE ROLE OF COMMUNICATION AND TEAMWORK ON EMPLOYEE PERFORMANCE OF NTB SYARIAH BANK, BIMA CITY Muslimin; Rafiuddin; Ziaulhaq
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.v12i5.20796

Abstract

This study analyzes the roles of organizational communication and teamwork in employee performance at Bank NTB Syariah, Bima City. The research focuses on how communication is implemented within the organization, how teamwork is fostered in the work environment, and how these two aspects help overcome obstacles and improve employee performance. A qualitative approach is employed, utilizing descriptive research and a phenomenological perspective to explore the employees' actual experiences in carrying out their work activities. Data collection involves in-depth interviews, participant observation, and document analysis, drawing upon both primary and secondary data sources. Data analysis includes data collection, condensation, and presentation, followed by drawing conclusions and verification. Data validity is ensured through source triangulation, method triangulation, member checking, and prolonged researcher engagement in the field. The findings are expected to provide a comprehensive overview of organizational communication patterns and teamwork dynamics at Bank NTB Syariah, Bima City, while explaining their contributions to improved employee performance. Furthermore, the study aims to provide recommendations to help management strengthen internal communication, enhance inter-team collaboration, and sustainably optimize organizational performance.
Melampaui Dikotomi Halal-Haram: Kerangka Kerja Penyaringan Syariah Berbasis Gharar untuk Aset Kripto dalam Keuangan Digital Islam Muhammad Ahsanul Amal; Mukhamad Yazid Afandi; Muhammad Imran; Arta Amaliah Nur Afifah; Dewi Inayatul Sakinah
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.v12i5.20831

Abstract

Crypto-assets create new opportunities for Islamic digital finance, yet they also raise unresolved Shariah concerns related to uncertainty, ownership, delivery, disclosure, legal enforceability, custody, and speculation. This study develops a gharar-based Shariah screening framework for evaluating crypto-assets beyond the conventional halal–haram dichotomy. Using a conceptual narrative literature review, this study synthesizes Scopus-indexed literature on cryptocurrency, crypto-assets, gharar, excessive uncertainty, Shariah screening, Islamic finance, and Islamic digital finance, supported by selected regulatory and fatwa documents. The review finds that gharar in crypto-asset transactions is multidimensional, emerging from unclear asset backing, weak utility, ambiguous ownership rights, uncertain qabd and deliverability, limited disclosure, legal uncertainty, custody risk, price volatility, and speculative intensity. To address this issue, the study distinguishes ordinary commercial risk, gharar yasir, and gharar fahish as three levels of uncertainty in Islamic commercial transactions. The proposed framework translates these findings into a category-based Shariah screening matrix built around eight dimensions: asset backing, utility, ownership clarity, qabd and deliverability, disclosure, legal certainty, custody security, and speculative intensity. This matrix allows stablecoins, asset-backed tokens, security tokens, decentralized finance assets, and meme coins to be assessed according to their specific uncertainty profiles rather than treated as one homogeneous category. The study contributes to fiqh muamalah and Islamic digital finance by repositioning gharar from a prohibitive legal label into an evaluative framework. The framework may support Shariah boards, regulators, Islamic fintech platforms, and Muslim investors in conducting pre-listing review, risk disclosure, and category-based crypto-asset assessment.
PENGARUH PERTUMBUHAN EKONOMI DAN HUMAN DEVELOPMENT INDEX TERHADAP KEMISKINAN DI NEGARA ASEAN Enzelina Puspita Sari; Iwan Kusnadi; Jum'an
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.v12i5.20838

Abstract

Poverty remains a major development issue in the ASEAN region, particularly in countries facing unequal distribution of development outcomes and limitations in human capital quality. This study analyzes the effects of economic growth and the Human Development Index (HDI) on poverty in ASEAN countries. A quantitative approach with library research was employed using secondary data. Purposive sampling was applied to six countries—Myanmar, Timor-Leste, Laos, the Philippines, Cambodia, and Indonesia—covering 2013–2022 and yielding 60 observations. Economic growth and poverty data were obtained from the World Bank, while HDI data were obtained from the United Nations Development Program. Panel data regression was conducted using the Common Effect Model, Fixed Effect Model, and Random Effect Model, followed by model-selection tests, classical assumption tests, partial and simultaneous significance tests, and the coefficient of determination using EViews 13. The model-selection procedure identified the Fixed Effect Model as the preferred specification. Economic growth showed a negative coefficient but had no statistically significant effect on poverty, whereas HDI had a negative and significant effect on poverty. Simultaneously, economic growth and HDI significantly affected poverty, with an adjusted R-squared of 0.892851. The findings indicate that improving human development quality is a critical element of poverty-reduction strategies in the countries examined.

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