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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 2,319 Documents
Analysis of Islamic Financial Literacy of MSMEs in Yogyakarta ismail, syadan hussein; setiartiti, lilies
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13170

Abstract

This research aims to evaluate the specific attributes of MSMEs in Yogyakarta and analyze the factors influencing their level of Islamic financial literacy. The study also examines how these enterprises perceive and apply these factors to support their business development. Data were collected through surveys and in-depth observations to address the issues faced and explain the observed phenomena. The findings reveal that the majority of MSMEs do not utilize financial statements or accounting information for decision-making related to their business development, considering such information unnecessary. This research offers critical insights for policymakers, highlighting potential strategies to enhance financial literacy among MSMEs. Improved financial literacy is crucial for MSMEs to navigate financial challenges, access diverse funding sources, and make informed financial decisions. By understanding and implementing financial management practices, MSMEs can better position themselves for sustainable growth and development. The study underscores the importance of targeted educational programs and policy interventions to bridge the financial literacy gap, thus empowering MSMEs to contribute more effectively to the economy. Overall, the results suggest that increasing the financial literacy of MSMEs is a vital step towards fostering a more inclusive and robust economic environment in Yogyakarta.
Analisis Konsep Teori Produksi Dalam Perspektif Ibnu Khaldun Dan Abdul Manan Muhammad Haris Hidayatullah
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9469

Abstract

The theory of production is a way to achieve individual and group welfare according to the views of the two figures discussed in this study. This means that the role of production cannot be separated from or supported by the workforce and the organization or group itself. This study aims to find out what the thoughts of Ibnu Khaldun and Muhammad Abdul Manan are regarding the theory of production, especially in the aspects of labor and organization. This research was appointed because researchers so far have not found a comparison of the thoughts of the two figures. This research method uses literature review using primary and secondary data. The results of this study found that the similarity of this thinking is that Ibn Khaldun and Abdul Manan have a goal of achieving prosperity for society. The difference that is obtained is where it is related to labor and organizational issues here. Ibnu Khaldun in the three production groups, he always relates it to work specialization as well as in the intended organization, while Manan in the organization is more directed to how to establish an investment that is in accordance with Islamic law according to Islamic law. vision and mission of the organization.
Philosophy Conception and Juridical Norm in The Theory of Islamic Macroeconomics Hakim, Cipta Lukmanul
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13087

Abstract

Islamic economics is a relatively new discipline, even though its practice has been carried out along with the birth of Islam itself. Many people doubt the existence of Islamic economics, because so far in the general public there are only two mainstream economic systems known, namely capitalism and socialism. In addition, in Islamic society itself, Islamic economics is identified with muamalat fiqh. Muamalat fiqh in Islamic economics is placed in a very important position, because muamalat fiqh is the basis of theories in Islamic economics. The purpose of this research is to find out the philosophical review and juridical norms originating from the Al-Qur'an and al-Hadith regarding macro theory according to the perspective of Islamic law. The methodology of this article uses a literature study with descriptive analysis. Data were obtained from various books, research journals and online sources. The results of the research show that the instructions from the Qur'an and al-Hadith are not specifically divided into two groups, namely the macro and micro levels. However, the existence of juridical norms exists at every level of the Islamic economic system.
Pengaruh Litersi Keuangan Dan Literasi Digital Terhadap Keberlanjutan Bisnis Pelaku Umkm Berbasis Syariah M. Indra Maulana; Eko Suyono
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10856

Abstract

UMKM merupakan salah satu pondasi untuk pertumbuhan perekonomian suatu negara. Sehingga perlu dilakukan untuk mempertahankan bisnis yang dijalankan oleh UMKM. Tujuan penelitian ini sendiri adalah untuk menguji pengaruh literasi keuangan dan literasi digital terhadap keberlanjutan bisnis UMKM. Keberlanjutan Bisnis yang sangat penting untuk UMKM agar bisnis yang dijalankan terus berjalan dan berkembang, konsep berkenlanjutan dimana sebuah usaha tetap ada atau berjalan pada masa yang akan mendatang dapat diukur melalui pertumbuhan keuangan, pertumbuhan dari strategi dan pertumbuhan struktural UMKM. Untuk Literasi Keuangan di ukur melalui indikator perencanaanm analisis, dan kontrol keuangan, pembukuan, pemahaman akan sumber pendanaan serta terminologi bisnis. Sedangkan untuk literasi digital diukur melalui beberap indikator seperti informasi dan literasi data, komunikasi dan kolaborasi, keamanan, dan kemampuan menggunakan teknologi yang ada saat ini. Pengumpulan data didalam penelitian ini menggunakan kuesioner yang disebarkan menggunakan google form. Sampel yang mengisi kuesioner dalam penelitian ini berjumlah 100 Pemilik dan Pengelola UMKM. Analisis yang digunakan dalam penelitian ini. Sektor yang mendominasi adalah sektor Perdagangan, manufaktur, dan jasa. Analisis data menggunakan Model persamaan struktural berbasis partial least square. Hasil dari penelitian ini menunjukkan bahwa terdapat pengaruh yang signifikan antara literasi keuangan terhadap keberlanjutan UMKM dan literasi digital memiliki pengaruh terhadap keberlanjutan bisnis UMKM berbasis Syariah. Temuan dari penelitian ini ialah bahwa dengan pemahaman literasi keuangan dan literasi digital yang baik diharapkan pemilik ataupun pengelola UMKM akan mampu membuat keputusan keuangan, manajemen yang tepat dan mampu bersaing dengan bisnis-bisnis lain untuk keberlanjutan bisnis yang dijalankan.
Peran Bank Wakaf Mikro Syariah dalam Pemberdayaan Ekonomi Masyarakat (Studi Empiris BWM Ponpes Mawaridussalam) suglia, ella annissa
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12513

Abstract

The problem of poverty and economic inequality has always been a major problem in the presence of social disparities in Indonesian society. The role of financial institutions in the distribution of funding and financing has an important role in empowering the economic activity of the community. This research aims to find out the role of Bank Wakaf Micro Shariah Pondok Pesantren Mawaridussalam in Economic Empowerment of the Society. This study uses qualitative research techniques with a descriptive approach. The types of data used in this study are primary data and secondary data. Data collection techniques are done with observations and interviews. The results of this study show that the role played by Bank Wakaf Micro Shariah Pondok Pesantren in empowering the economy of the community around the mansion is by providing financing and support through weekly activities (halmi). The result of the research is that Mawaridussalam is trained through the Wakaf Micro Bank. The Shariah has a role in empowering the community by providing business capital loans for micro-economy, getting rid of rent and interest bars, increasing daily income and adding religious science.
Minat Pelajar Muslim Menggunakan Mobile Banking Syobri Tri Rahmansyah; Heri Sudarsono; Sarastri Mumpuni Ruchba; Indah Susantun
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9052

Abstract

The purpose of this research is to analyze the intention of a Muslim student in using mobile banking using the Unifield Theory of Acceptance and Use of Technology 2 (UTAUT2) model approach. This research was conducted in August - September 2022 and the data source for this research was obtained using a survey method with a questionnaire distributed via broadcast to social media. This study uses a quantitative data processing method using SEM PLS (Partial Least Square) analysis with the statistical tool SmartPLS 3.3. The respondents in this study were students on the island of Java who had used mobile banking for at least 1 year. the variables used in this study are Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Hedonic Motivation (HM), Facilitating Conditions (FC), Religiosity (RE), Habit (HB), Behavior Intention ( BI), Use behavior (UB). The results of this study indicate that HB, HM, and RE, have a significant influence on the intention to use mobile banking BI. While EE, FC, PE, and SI are not accepted and have no significant effect on the intention to use mobile banking BI, so that the HB, and intention using BI, has a significant effect on using mobile banking UB while FC is not accepted and has no significant effect on using mobile banking
Analisis Perbandingan Efisiensi Kinerja Bank Muamalat Indonesia Sebelum Dan Selama Pandemi Covid-19 Dengan Menggunakan Metode Data Envelopment Analysis (DEA) Muflihah, Hani
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13270

Abstract

The world was faced with the phenomenon of the emergence of the co-19 pandemic in early 2020 which also hit Indonesia. This has caused several economic sectors in Indonesia to be affected, one of which is the Islamic banking sector. The impact felt by Islamic banking is a decrease in financial performance which will interfere with the efficiency of the institution's performance. The type of research in this study is quantitative using the Data Envelopment Analysis (DEA) method, with input variables (Total Assets, Labor Costs, and DPK) and output variables (Financing and Operating Income). By using quarterly data sourced the financial statements of Bank Muamalat Indonesia from the period 2018-2022. The results obtained from this study indicate that the average performance efficiency of Bank Muamalat Indonesia before the covid-19 pandemic was 87.63% and the average during the covid-19 pandemic was 71.38%, meaning that the performance efficiency of Bank Muamalat Indonesia during the covid-19 pandemic decreased by 16.27% from the period before covid-19. From the results of the paired sample t test, it also shows a significant value of 0.004
Increasing Public Satisfaction and Trust Based on a Islamic Service Quality Perspective at the North Buton Regency PTSP Service yusuf, Hayat
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v1i1.11244

Abstract

Disclosure of information, when linked to service activities, helps encourage people to become more aware of their rights and obligations. Therefore, the hope to be able to get the best service is now also starting to depend on government organizations. The research objective is to analyze the effect of service quality on satisfaction and public trust. This research is explanatory. The research location is the North Buton Regency Investment and One-Stop Integrated Services (PTSP) Service with a target population of 149 people processing permits. The measurement was carried out using a Likert scale (Summated Scale) with five categories on a scale of 1 to 5, namely: (1) strongly disagree, (2) disagree, (3) neutral, (4) agree, (5) strongly agree. The analysis used to answer the hypothesis in this research uses a Structural Equation Model (SEM) using the AMOS 26 program package. There is a positive and significant influence between service quality on satisfaction with a beta coefficient of 0.903 and a probability of 0.000. There is a positive and significant effect of service quality on trust with a beta coefficient of 0.572 and a probability of 0.004. There is a positive and significant influence between satisfaction on trust with a beta coefficient of 0.369 and a probability of 0.044. There is a positive influence between service quality on trust which is mediated by satisfaction. The nature of this mediation is partial mediation with a beta coefficient of 0.517. the better the service quality, the satisfaction will increase. The better the service quality, the more trust will increase. The higher the satisfaction felt, the greater the trust. Service quality can indirectly influence trust through satisfaction.
Pengaruh Pengalaman Nasabah Dalam Penggunaan MBanking Terhadap Loyalitas Nasabah Bank Syariah Indonesia (Studi Kasus Masyarakat Sei Mencirim) Syahira, Tira; Indra, Ahmad Perdana; Anggraini, Tuti
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.13347

Abstract

The purpose of this research is to determine whether a company's ability to retain its current customers is more important than its ability to acquire new customers. BSI wants to increase customer satisfaction and service quality by growing customer loyalty through mobile banking. Even though many BSI clients already have BSI Mobile, not all of them make full use of it. Therefore, the level of customer loyalty when using BSI Mobile is not too high. This is based on consumer interviews with BSI mobile banking users which show that consumers often decide to make transactions via BSI Mobile. The reason is that BSI Mobile is more user friendly and convenient; all you need is a smartphone to use it anytime, anywhere. For customers who decide not to use BSI Mobile for transactions due to lack of security, increased vulnerability to fraud, and ease of hacking. The aim of this research is to analyze and assess how customer experience and service quality influence BSI mobile banking customer loyalty, both partially and simultaneously. A quantitative approach was used in this research. This data was collected through survey research techniques on BSI customers who use mobile banking services. Customer loyalty and service quality in BSI mobile banking are positively and significantly influenced by customer experience, according to research findings
Implementation Of The Islamic Economic System Increasing Community Welfare Based On Maslahah In Indonesia umi kalsum hehanussa
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9223

Abstract

Abstract Indonesia adalah negara dengan penduduk muslim terbesar di dunia namun masih sering dikaitkan dengan persoalan pengangguran dan kemiskinan. Ekonomi Islam telah memberikan solusi dalam setiap masalah yang ada selama kita berpegang kepada prinsip Al-qur’an dan Sunnah maka segala permasalahan yang terkait bidang sosial, hukum, terlebih dalam bidang ekonomi, akan terselesaikan. Tujuan utama dari sistem ekonomi Islam adalah untuk kesejahteraan umat yang berpedoman pada al-qur’an dan sunnah dan hal yang melandasi semua kegiatan atau transaksi yaitu untuk kemaslahatan masyarakat, sehingga terciptanya kehidupan yang seimbang. Dalam kehidupan masyarakat salah satu sektor yang paling penting yaitu sektor ekonomi, masyarakat biasanya akan berusaha menemukan cara terbaik dalam memenuhi kebutuhan ekonominya. Dintara aturan ekonomi Islam salah satunya adalah distribusi pendapatan atau pengelolaan harta kekayaan, yang berkaitan dengan kebutuhan orang lain maupun diri sendiri, karena diantara tujuan ekonomi Islam adalah seorang muslim harus memperhatikan maslahah daripada utilitas. Ekonomi Islam menekankan pada perilaku individu dan masyarakat yang konsisten terhadap orientasi maslahah, apabila sistem ekonomi Islam diterapkan maka dapat meningkatkan kesejahteraan berbasis maslahah. Yang didasarkan pada prinsip-prinsip yang menjamin keadilan, keberlangsungan lingkungan, dan kesejahteraan sosial. Hal ini dapat terwujud dengan adanya redistribusi kekayaan melalui zakat, infaq, dan sedekah serta menghindari praktik riba dan spekulasi. Keywords : Sistem Ekonomi, Syariah, Maslahah

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