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INDONESIA
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 2,313 Documents
Fiqh Muamalah in Shariah Multifinance Company: Literature Study Muhammad Rifky Santoso
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5234

Abstract

Muamalah fiqh or transactions in Islamic finance companies continues to grow. DSN-MUI has a role to make fatwas so that this transaction is in accordance with sharia. The application of this transaction must be carried out properly in order to achieve benefit in this world and the hereafter. Many studies have been conducted on the application of muamalah fiqh in Islamic finance companies. This current study will group the topics of muamalah fiqh research in Islamic finance companies to find out the existing research map so that it can be seen what has been researched and further research opportunities for the expansion of research and development of muamalah fiqh. By using qualitative research with analysis content and focus discussion groups with economists, the articles used were 45 articles published in journals in Indonesia from 2018 to 2021, the topic of this muamalah fiqh research consists of 5 topics, namely (1) regarding the function of MUI with its fatwa on company operations, (2) conformity of transactions (contracts) to the fatwa or sharia that regulates it, (3) analysis of existing business processes in finance companies, (4) motivation of the community to use finance companies, and (5) supervision finance company operations. Some suggested topics for further research include the pattern of cooperation between MUI and OJK in the development of sharia financing products, and types of contracts that can reduce risk in financing companies.
Pengaruh Religiusitas dan Pemahaman Qanun Terhadap Minat Menabung Nasabah Pada PT BRISyariah Lhokseumawe Pasca Konversi Juliana lia Putri
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4456

Abstract

Abstract This study aims to determine and analyze the influence of religiosity (X1) and understanding of Qanun (X2) on customers' interest in saving at PT BRISyariah Lhokseumawe Post-Convention. In this study using quantitative research methods. The population in this study were all customers of Bank BRISyariah Kota Lhokseumawe, and the number of samples used in this study were 100 customers. Sampling in this study is using purposive sampling technique, which is a technique of determining the sample based on chance, by distributing questionnaires to customers who are deemed suitable to be used as research data. The data collection method was done by using a questionnaire. The analysis technique used is the Validity Test, Reliability Test, T Test, F Test, R Test, and Multiple Linear Regression Test. In this study using the SPSS IBM 22 data analysis test toolBased on the T test, it shows that the Religiosity variable (X1) has a significant effect on the interest in becoming a customer (Y). Understanding Qanun (X2) has a positive and significant effect on the interest in becoming a customer (Y). Based on the F test, it shows that the dependent variables (religiosity, understanding of qanuns) together significantly influence the independent variable (interest in becoming a customer).
PENGARUH INFLASI, SUKU BUNGA DAN NPF TERHADAP PENDAPATAN BANK SYARIAH DI INDONIESIA Siti Zainab Siregar
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4808

Abstract

One of the factors supporting monetary policy in order to be done effectively is the existence of banking institutions. The development and progress of banking institutions is reflected in the type of services through their products and features, the expansion of banking networks, the increasing quality of banks in the mobility of public funds by providing loans to productive sectors, and bank management is increasingly efficient and dynamic. With these advances, the Islamic banking system and conventional banking together synergistically support the mobilization of public funds more broadly to improve financing capabilities for sectors of the national economy. This study aims to look at the simultaneous influence of Inflation, Interest Rates and NPF on Islamic Bank Income in Indonesia. The type of This research is quantitative study with a sample number of 36 data on the monthly report of Inflation, Interest Rates (SBI), NPF, and Sharia Bank Income from 2017-2019. The results in this study obtained that Inflation did not have a positive and significant effect on Islamic Bank Income with T count -1,292 < T table 2,037, Interest Rates also did not have a positive and significant effect on Islamic Bank Income with T count -3,959 < T table 2,037, and NPF did not have a positive and significant effect on Sharia Bank Income with T count -8,664 < T table 2,037. Then simultaneously Inflation, Interest Rates and NPF to Islamic Bank Income with F count 45,304 > F table 2.901 with a value of R Squared of 0.809 or by 80.9% explained by variables inflation, interest rates and NPF and the remaining 19.1% influenced by other variables outside of this study. Keywords: Inflation, Interest Rates, NPF, Islamic Bank Revenue
ANALISIS PENERAPAN CORPORATE SOSIAL RESPONSIBILITY (CSR) PADA BANK SYARIAH MANDIRI KC. JEMUR HANDAYANI SURABAYA DALAM PERSPEKTIF MAQHASID SYARIAH INDEKS Arin Setiyowati; Kholifatu Azqiya&#039;
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4291

Abstract

Abstract Corporate Social Responsibility or what is often referred to as Corporate Social Responsibility (CSR) is almost implemented by all companies, in this case the Islamic Banking industry where the company is committed to quality development and community welfare. CSR can be implemented in the form of corporate social activities as stipulated in Law Number 40 of 2007 concerning the implementation of CSR/corporate social responsibility. In the implementation of Corporate Social Responsibility (CSR), it uses the principle of 3 basic concepts (triple bottom line) that are interrelated, namely the existence of profit that provides benefits, people bring prosperity to society and the planet that ensures the continuity of natural life. This discussion reveals that in addition to allocating social funds, the Sharia Bank Branch of Jemur Handayani Surabaya developed the concept to implement these social programs with the aim of prospering the community in the context of Islamic religious teachings in accordance with the maqashid sharia index. Keywords: Corporate Social Responsibility (CSR), BSM, Maqashid Syariah Index Abstrak Tanggung Jawab Sosial Perusahaan atau yang sering disebut dengan Corporate Social Responsibility (CSR) ini hampir diterapkan oleh semua perusahaan, dalam hal ini yaitu industri Perbankan Syariah yang mana perusahaan tersebut berkomitmen terhadap pembangunan kualitas dan kesejahteraan masyarakat. CSR dapat diterapkan dalam bentuk kegiatan sosial perusahaan sesuai yang telah di tetapkan dalam Undang-Undang Nomor 40 Tahun 2007 tentang pelaksanaan CSR/tanggung jawab sosial perusahaan. Pada pelaksanaan penerapan Corporate Social Responsibility (CSR) ini menggunakan prinsip 3 konsep dasar (triple bottom line) yang saling berkaitan yaitu adanya profit yang memberikan keuntungan, people membawa kesejahteraan pada masyarakat dan planet yang menjamin berlangsungnya kehidupan alam. Pembahasan ini mengungkapkan bahwa selain mengalokasikan dana sosialnya, Bank Syariah Cabang Jemur Handayani Surabaya mengembangkan konsep tersebut untuk melaksanakan program-program sosial tersebut dengan tujuan untuk mensejahterakan masyarakat dalam konteks ajaran agma Islam yang sesuai dengan maqashid syariah indeks. Kata Kunci: Corporate Social Responsibility (CSR), BSM, Maqashid Syariah Indeks
Menguji Peran Pembiayaan Mudharabah, Musyarakah, dan Murabahah Dalam Peta Profit Efficiency Perbankan Syariah di Indonesia Masa Pandemi COVID-19 Saparuddin Siregar; Sugianto Sugianto; Syachrul Wahyudi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5415

Abstract

Sharia banking in Indonesia is currently facing a big challenge, COVID-19, which has made the country's economy and society sluggish. This study aims to examine the roles of murabahah, mudharabah, and musyarakah financing in the profit efficiency map of Islamic banking in Indonesia in the period before and during the COVID-19 pandemic. The sample data used is monthly aggregate data from Islamic Commercial Banks (BUS) and Sharia Business Units (UUS) for the period January 2018 – August 2021. The Stochastic Frontier Analysis (SFA) method is used in this study to estimate profit efficiency and the determinant factors involved. The results of this study indicate the estimated average value of profit efficiency is 85.83%. The value of profit efficiency during the COVID-19 pandemic is relatively greater than before the pandemic. BUS has a relatively smaller profit efficiency than UUS in the before and during pandemic period. Mudharabah financing become significant determinant factors on profit efficiency. On the contrary musyarakah financing has negatif effect, and murabahah has not yet taken a significant role as a determinant factor during the sample period.
Analysis of the Implementation of Sharia Governance and Reputation of the Behavior of Investment on Fintech Sharia Dewi Putri Mandiri
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4747

Abstract

Technological advances have positive impact on the progress in the field of financial system especially in Indonesia. On the other hand, on the financial services in indonesia keeps growing rapidly followed by more sophisticated technology. When this corporation’s financial technology (fintech) in Indonesia is develop rapidly. The high public interest Indonesia use application it makes the technology favorite by users and the use of fintech the higher. High interest of public, behind the development of company financial technology ( fintech ) particularly companies financial technology ( fintech ) about the manner of sharia should it was offset by an obligation implement the principle sharia principle about the manner of sharia governance at each activity This study on the use of quantitative square minimal partial ( pls ) the result is the sharia compliance significantly to behavior have had a positive impact and investment financing providers ( lender ) in syariah fintech peer to peer of lending.
Pengaruh Word of Mouth dan E-Commerce Terhadap Peningkatan Pendapatan Menurut Perspektif Ekonomi Islam Muhammad Suhaidi; Desi Nurhabibah; Estelee Elora Akbar; Muhammad Iskandar
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5790

Abstract

Income is a very important element in a trading business, because in doing a business, of course you want to know the value or amount of income earned during the business. In an economic sense, income is remuneration for the use of production factors owned by the household sector and the corporate sector which can be in the form of salaries/wages, rent, interest and profits/profits. The formulation of the problem in this study is how word of mouth and e-commerce partially and simultaneously affect the increase in income, how word of mouth and e-commerce affect the increase in income according to the Islamic Economic Perspective. The purpose of this study was to determine and analyze word of mouth and e-commerce have a positive effect on increasing revenue partially and simultaneously and to determine and analyze word of mouth and e-commerce on increasing income in the Islamic Economic Perspective. This research methodology uses quantitative methods. Sources of primary data and secondary data. The sample in this study amounted to 30 employees at Yummy Pie as respondents using a sampling technique. By using validity test, reliability test and prerequisite test using normality test and multicollinearity test. The data analysis process uses multiple linear regression analysis with SPSS 20 data processing tools. The results in the study partially show that the word of mouth variable has no significant effect on increasing income, e-commerce has a positive effect on increasing income at yummy pie in Bandar Lampung City. The results of the study simultaneously show that word of mouth and e-commerce variables have a significant effect on increasing income at yummy pie in Bandar Lampung City. The result of the analysis of the determinant coefficient of R-Squared is 0.225. This means that the variance and word of mouth and e-commerce are able to explain the variance of 22.5% while the remaining 77.5% is explained by other variables outside the study.
Konsep Riba Dalam Fiqih Muamalah Maliyyah dan Praktiknya Dalam Bisnis Kontemporer Elif Pardiansyah
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4751

Abstract

Riba secara etimoloogis berarti bertambah (al-ziyadah), tumbuh (an-numuw), meningkat (al-‘uluw). Secara terminologis, riba adalah tambahan atas pokok utang yang diperjanjikan atau dipersyaratkan sebagai imbalan atas masa pembayaran utang. Riba secara mutlak, tegas dan jelas hukumnya haram menurut al-Qur-an, As-Sunnah, dan ijma ulama. Secara umum riba dibagi menjadi dua jenis, yakni riba dalam utang-piutang (riba duyun/riba qardh) dan riba dalam jual-beli (riba buyu’). Maqashid (tujuan) diharamkannya riba: 1) menghindari terjadi praktik kezaliman terhadap pelaku bisnis; 2) melanggar kaidah sifat dasar pinjaman/utang sebagai transaksi kebaikan/sosial yang diubah menjadi transaksi bermotif bisnis; mencegah kezaliman yang dilakukan pihak kreditur terhadap debitur dengan mengeksploitasi bunga atas utang; menghindari gharar dalam pertukaran/jual-beli; dan agar uang tidak menjadi komoditas yang diperjualbelikan. Kriteria riba qardh yang diharamkan manakala tambahan utang diperjanjikan di dalam akad atau hadiah/tambahan tersebut dibayarkan sebelum pelunasan utang. Adapun riba buyu’ terjadi manakala melanggar dua kaidah riba jual-beli, pertukaran barang ribawi sejenis harus memenuhi kriteria sama kualitas dan kuantitas, serta harus tunai, jika pertukaran berbeda jenis maka syaratnya harus tunai dan boleh menetapkan margin di dlamnya. Dalam praktiknya, riba qardh banyak terjadi dalam produk fintech, asuransi, pasar modal, perbankan konvensional dan bisnis turunannya. Adapun praktik riba buyu’ terjadi dalam transaksi valuta asing, dalam pertukaran uang sejenis yang marak terjadi secara daring.
Factors Affecting People's Consumption Behavior Using Online Shops with Islamic Economic Perspective in Padangsidimpuan City Darwis Harahap
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5753

Abstract

Currently, e-commerce has become a shopping trend. People prefer to shop using online shops because there is a system of consumer freedom from having to go to stores that are far enough away and take a long time and consumers also have to leave the house to get the items they need. With ease and convenience, consumers prefer to transact in e-commerce to meet their various needs. However, now there has been a shift in shopping activities from fulfilling needs to desires that are redundant without being based on Islamic economic aspects. Therefore, this study aims to determine the relationship between the factors that influence online shop purchases through the accepted risk of people's consumptive behavior in the perspective of Islamic economics in Padangsidimpuan City. This research method uses Component Based Structure Equation Model (SEM) data analysis techniques and the model used is Loading Factor which is constructed from each factor studied using the Smart PLS 3 program tool. The price of online shop services with all the existing risks has a positive effect on people's consumptive behavior from an Islamic perspective.
PERAN PROFITABILITAS DALAM HUBUNGAN GOOD CORPORATE GOVERNANCE DAN EFISIENSI BIAYA TERHADAP ISLAMIC SOCIAL REPORTING Puji Nurhayati; Erma Wulan Sari; Desy Nur Pratiwi; Adelia Rahma Shabira
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5401

Abstract

Financial institutions have a very important role in the country's economic efforts. Banking growth in Indonesia is very rapid, based on statistical data on banking improvement until January 2019 as many as 1,922 banking units. The Islamic banking industry in Indonesia is experiencing very strong growth with the potential of Islamic financial assets of 99 billion, making Indonesia ranked 4th in the world in 2020. The existence of CSR disclosure obligations in the company makes the company not only apply the concept of single-buttom-line oriented to achieving maximum profit but the company should pay attention to the triple-buttom-line which includes the financial aspects of the company, social life and the environment. This concept is very linear if implemented in the ISR concept. This study aims to test the influence of Good Corporate Governance (GCG) and cost efficiency on Islamic Social Reporting (ISR) and test the role of profitability in moderating good corporate governance (GCG) and cost efficiency relations on Islamic social reporting (ISR). The study used a sample of 13 companies during 2014-2020. The sampling method in this study used the purposive sampling method. The data analysis techniques used in this study consisted of descriptive statistics, classical assumption tests (normality tests, heteroskedasticity tests, multicollinearity tests, and autocorrelation tests), multiple linear regression analysis tests, partial tests (t) and Moderation Regression Analysis (MRA) tests. The results showed that Good Corporate Governance (GCG) and cost efficiency have an effect and significance on Islamic Social Reporting (ISR). While profitability is not able to moderate the good relationship of Good Corporate Governance (GCG) and cost efficiency to Islamic Social Reporting (ISR). Keywords : Islamic Social Reporting (ISR), Good Corporate Governance (GCG), Cost Efficiency, Profitability, Sharia Bank

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