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INDONESIA
Jurnal Ekonomi Islam
Published by Universitas Muhammadiyah Prof. Dr. Hamka
ISSN : -     EISSN : -     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Arjuna Subject : -
Articles 293 Documents
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RESPON ULAMA NAHDLATUL ULAMA MADURA TERHADAP FATWA MAJELIS ULAMA INDONESIA TENTANG WAKAF UANG Harisah, Harisah; Gultom, Mitra Sami; Hosen, Muhammad Nadratuzzaman; Kusairi, Ah.; Ahmad, Azlin Alisa
Ekonomi Islam Vol. 15 No. 2 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i2.14564

Abstract

This research was aimed at examining the response made by the ulama (Islamic religious scholars) of the Madura Branch of the NU and to find out their reactions to the MUI fatwa concerning cash wakaf. This research was classified as qualitative. The sample for this research consisted of 101 religious scholars of the Madura branch of the NU. The research was conducted in the form of surveys and interviews with these Madura NU members, to ascertain their arguments. The results of the research obtained showed convincingly that the majority of NU religious scholars accept and agree with the MUI Fatwa concerning cash wakaf, in that the response “agree” (Setuju – S) received the highest percentage return for all items, recording positive results between 40% and 60%, whilst the percentages for the response “strongly agree” (sangat setuju - SS) was the second strongest, receiving between 19% and 48% support. Based upon the results of the interviews conducted by the researchers with the NU Madura theologians, it was their opinion that the MUI Fatwa concerning cash wakaf fulfils the requirements of Islamic religious law. Not only that, but these scholars were also of the opinion that a cash wakaf can be a beneficial social instrument and may assist in overcoming social problems in their regions. The implication of this study is that the validity of the MUI fatwa can be widely accepted among local scholars, providing a strong legal foundation for the development of cash waqf in Indonesia, particularly in Madura. This fatwa is not only recognized as valid according to Islamic law, but also serves as a basis for the acceptance of cash waqf by the public as a legitimate and effective charitable instrument Keywords: Nahdhatul Ulama’, Fatwa Commission, Cash Wakaf, Madura.
PENGARUH DINAMIKA TIM VIRTUAL TERHADAP KINERJA ORGANISASI SYARIAH DENGAN STRATEGI OPTIMALISASI KERJA JARAK JAUH SEBAGAI MEDIASI DI BANK MUAMALAT, PADANG Sarianti, Kiki; Rosalina, Desi; Desti, Yolanda; Damayanti, Nora; Ramadhi, Ramadhi; Amri, Andi; Azhari, Alim Bahri
Ekonomi Islam Vol. 15 No. 2 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v15i2.17201

Abstract

This study aims to analyze the impact of virtual team dynamics on organizational performance in sharia, with a remote work optimization strategy as a mediating variable at Bank Muamalat Padang City.  This study uses a quantitative approach by collecting data through a survey of employees who work in virtual teams in sharia economy-based organizations with a sample of 85 respondents. The analysis model used is structural equation modeling (SEM) to test the relationship between virtual team dynamics, organizational performance, and the moderation role of remote work optimization strategies. The results showed that collaboration and communication have a significant influence on Optimizing Remote Work Strategies, while trust has no significant effect on Optimizing Remote Work Strategies. Collaboration and communication have a significant influence on Organization Performance, while trust has no significant effect on Organization Performance. In addition, Optimizing Remote Work Strategies has not been shown to have a significant effect on Organization Performance. The results of the study show that Optimizing Remote Work Strategies does not mediate the influence of organizational performance trust, The results of the study show that Optimizing Remote Work Strategies can mediate the influence of Collaboration on Organization Performance and the results of the study show that Optimizing Remote Work Strategies cannot mediate the influence of Communication on Organization Performance. Keywords: Virtual Team Dynamics, Organization Performance, Optimizing Remote Work Strategies.
THE VALIDITY OF THE SALE AND PURCHASE CONTRACT WITH SHOPEE PAYLATER AS FINANCIAL TECHNOLOGY IN ISLAMIC LAW Aulia, Fira; Kurniawati, Fitri
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.13052

Abstract

Research aims: This study aims to analyze the validity of sale and purchase contracts using Shopee PayLater as a financial technology instrument from the perspective of Islamic law. Design/Methodology/Approach: This research employs a normative juridical approach with a statute-based method. Data were collected from primary legal materials such as fatwas, laws, and regulations, as well as secondary and tertiary legal sources. The study is descriptive in nature. Research findings: The findings reveal that Shopee PayLater does not meet the requirements set by the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) as outlined in Fatwa No. 116/DSN-MUI/IX/2017 concerning Sharia Electronic Money. The feature contains ribawi elements through the imposition of interest (minimum 2.95% per month), a handling fee (1% of the transaction), and a late payment penalty (5% of the total amount), which contradict Islamic principles of fairness and transparency in transactions. Theoretical Contribution/Originality: This research contributes to the ongoing discourse on the intersection of Islamic legal norms and modern financial technology, especially regarding the legal status of Buy Now Pay Later (BNPL) systems in Indonesia. Practitioners/Policy Implications: The findings may serve as a reference for fintech companies, policymakers, and regulators in developing sharia-compliant digital financial products, and encourage re-evaluation of existing BNPL schemes to align with Islamic economic principles. Research Limitations/Implications: This study is limited to the legal analysis based on Indonesian regulations and DSN-MUI fatwas, and does not explore user perspectives or comparative international frameworks. Future research is recommended to include broader empirical and cross-jurisdictional insights.
OPTIMIZATION OF IMPLEMENTATION OF THE ISLAMIC SOCIAL ENTERPRISE IN MUHAMMADIYAH HIGHER EDUCATION Junarti, Junarti; Astuti, Tri Budi; Husnayetti, Husnayetti
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.14067

Abstract

Research Aims: This study aims to optimize the implementation of Islamic Social Enterprise (ISE) in Muhammadiyah higher education institutions by identifying challenges and opportunities. It seeks to develop a framework to enhance the role of these universities as socially responsible organizations guided by Islamic values. Design/Methodology/Approach: A qualitative approach is used, involving case studies and in-depth interviews with university leaders, social enterprise managers, faculty, and students engaged in ISE activities. Data are collected through document analysis and thematic coding to uncover key factors affecting ISE success. Research Findings: Findings show Muhammadiyah universities have initiated ISE activities but face challenges such as limited awareness, resource shortages, and weak integration of ISE principles in strategy. Successful cases highlight leadership commitment, community involvement, and clear governance as critical to improving social and financial outcomes. Theoretical Contribution/Originality: This research contributes by linking Islamic social entrepreneurship with higher education management, presenting a unique model tailored to Muhammadiyah universities. It integrates Islamic ethics and social enterprise theory, offering fresh insights into value-driven institutional practices. Practitioners/Policy Implications: The study provides practical recommendations for university leaders and policymakers, including enhanced training on Islamic entrepreneurship, stronger community partnerships, and better resource management to support sustainable ISE development. Research Limitations/Implications: Limitations include the focus on Muhammadiyah institutions, limiting wider applicability, and reliance on qualitative data, which restricts measurable impact assessment. Future studies should expand scope and use mixed methods to further validate and improve the ISE implementation model.
THE EFFECT OF EDUCATION LEVEL, POVERTY, AND ZIS FUND DISTRIBUTION ON ECONOMIC GROWTH IN EAST JAVA IN 2022 Launiya, Khiyarotul; Siswahyudianto, Siswahyudianto
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.14737

Abstract

Research aims: This study aims to analyze the impact of education level, poverty, and the distribution of Zakat, Infak, and Sedekah (ZIS) funds on economic growth across districts and cities in East Java in 2022, both simultaneously and partially. Design/Methodology/Approach: A quantitative approach was applied using secondary data from 38 districts/cities in East Java. Saturated sampling (nonprobability sampling) was used to select the sample. Multiple linear regression analysis was conducted with SPSS version 27 after testing classical assumptions such as normality, multicollinearity, and heteroscedasticity. Research findings: The results show that education level, poverty, and ZIS fund distribution simultaneously have a significant positive effect on economic growth. Individually, each variable also significantly contributes to economic growth in the study area. Theoretical Contribution/Originality: This study contributes to human capital theory and the poverty trap theory by empirically examining how education, poverty, and ZIS funds influence economic growth in East Java. The finding that poverty positively affects economic growth offers new insights into the socioeconomic dynamics in regions with relatively high poverty rates. Practitioners/Policy Implications: The findings suggest that regional governments, BAPPEDA, BAZNAS, and policymakers should focus on improving education quality, productively reducing poverty, and optimizing ZIS fund distribution to promote sustainable and equitable economic growth. Research Limitations/Implications: This study is limited to data from 2022 and focuses only on education, poverty, and ZIS distribution, which may not capture all factors influencing economic growth. Future research should include additional variables and longer time periods for more comprehensive and generalizable results
THE INFLUENCE OF ISLAMIC LIFESTYLE, HALAL CERTIFICATION, AND SOCIAL MEDIA EXPOSURE ON PURCHASING DECISIONS AT MIXUE OUTLETS IN SERANG CITY Imanuddin, Febri; Ahyakudin, Ahyakudin; Pardiansyah, Elif; Ginanjar, Rah Adi Fahmi
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.15098

Abstract

Research aims: This study aims to examine the influence of Islamic lifestyle, halal certification, and social media exposure on purchasing decisions at Mixue outlets in Serang City. Design/Methodology/Approach: The research used a quantitative approach with survey data collected from 190 respondents. Multiple linear regression analysis was applied using SPSS 26. Prior to hypothesis testing, classical assumption tests including normality, multicollinearity, and heteroscedasticity were conducted to ensure data validity. Research findings: The results showed that Islamic lifestyle, halal certification, and social media exposure each had a positive and significant effect on purchasing decisions. The coefficient of determination (R²) was 0.503, indicating that 50.3% of the variation in purchasing decisions could be explained by the three independent variables. The remaining 49.7% was influenced by other factors outside the model. Theoretical Contribution/Originality: This research contributes to the understanding of consumer behavior in the context of halal and Islamic marketing, especially within the growing market segment of Muslim consumers in non-traditional halal industries such as ice cream chains. It highlights the integration of religious values and digital influence in shaping consumer preferences. Practitioners/Policy Implications: The findings suggest that food and beverage companies targeting Muslim consumers should not only focus on halal certification but also promote Islamic lifestyle compatibility and engage actively on social media platforms to enhance purchasing behavior. These insights are valuable for marketing strategists and brand managers operating in multicultural environments. Research Limitations/Implications: The study is limited to Mixue outlets in Serang City, which may not fully represent broader consumer behavior across different regions. Future research should involve comparative studies across cities or include moderating variables such as income or education level for more nuanced insights.
THE EFFECTS OF ISLAMIC BRANDING AND CUSTOMER RELATIONSHIP MARKETING ON CUSTOMER LOYALTY THROUGH SATISFACTION AS THE MEDIATING VARIABLE Adha, Mufti Alam; Silmi, Afrida Fadkhi; Nahar, Faiza Husnayeni
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.15460

Abstract

Research aims: This study aims to analyze the effects of Islamic Branding and Customer Relationship Marketing (CRM) on Customer Loyalty, with Customer Satisfaction as a mediating variable. The research focuses on understanding how Islamic values embedded in branding and relationship strategies influence Muslim consumer loyalty. Design/Methodology/Approach: A quantitative approach was employed using a structured questionnaire distributed to 120 Muslim consumers in West Sumatra. Data were analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS) to test both direct and indirect relationships among the variables. Research findings: The findings indicate that both Islamic Branding and CRM have significant positive effects on Customer Satisfaction and Customer Loyalty. Furthermore, Customer Satisfaction partially mediates the relationship between Islamic Branding and Loyalty, as well as between CRM and Loyalty. This confirms that customer satisfaction strengthens the effect of Islamic branding and CRM on loyalty. Theoretical Contribution/Originality: This study contributes to the field of Islamic marketing by integrating Islamic Branding and CRM into a comprehensive loyalty model. It highlights the importance of religious and relational values in shaping customer satisfaction and loyalty within Islamic consumer behavior. Practitioners/Policy Implications: For marketers and policy makers, the results suggest that applying Islamic principles in branding and building strong, trust-based relationships with consumers can significantly enhance satisfaction and loyalty. This is particularly relevant for businesses targeting Muslim markets such as halal products, Islamic banking, and sharia-compliant services. Research Limitations/Implications: The study is limited to a specific region and sample size, which may limit generalizability. Future studies should include larger and more diverse populations, as well as consider longitudinal data to further validate the findings across different cultural and market contexts
COMPARATIVE ANALYSIS OF FINANSIAL PERFORMANCE IN ISLAMIC BANKS: A CASE STUDY OF INDONESIA AND MALAYSIA USING SHARIA CONFORMITY AND PROFITABILITY (2018 – 2024) Kusmanningrum, Yunita; Maknuun, Lu’lu’il; Masuwd, Mowafg Abrahem
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.15990

Abstract

Research aims: This study aims to compare the financial performance of Islamic commercial banks in Indonesia and Malaysia using the Sharia Conformity and Profitability (SCnP) framework, focusing on their alignment with sharia principles and profitability levels. Design/Methodology/Approach: A quantitative descriptive method was used, with secondary data obtained from Islamic bank financial reports and official sources such as OJK, IFSB, and PSIFIs. The SCnP model served as the primary analytical tool, and all Islamic commercial banks in both countries were included using saturated sampling. Research findings: Islamic banks in Indonesia showed fluctuating yet improving financial performance, particularly in profitability, reaching optimal position in 2024. However, challenges remain in maintaining consistent sharia compliance. Malaysian Islamic banks, meanwhile, consistently occupied the upper-left quadrant (ULQ), indicating strong profitability but limited use of profit-sharing instruments. Theoretical Contribution/Originality: This study contributes to the literature by applying the SCnP model in a cross-country comparison, highlighting the influence of regulatory systems and governance on Islamic banking performance. Practitioners/Policy Implications: Findings suggest that Indonesian banks should improve governance and investment screening, while Malaysian banks may benefit from enhancing the adoption of profit-sharing contracts to align more closely with Islamic ethical objectives. Research Limitations/Implications:The study is limited to quantitative data and excludes qualitative aspects such as governance and customer perception. Future research is encouraged to integrate these dimensions for a more comprehensive evaluation.
THE ROLE OF MOSQUES IN UTILIZING ZAKAT, INFAQ, AND SHADAQOH AS SUSTAINABLE SHARIA FINANCIAL INSTRUMENTS IN SURABAYA Huda, Fatkur; Wijaya, M. Febriyanto Firman; Nadid, Erdin; Salsabilla, Salma Nadia; Al Farisi, Salman
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.16162

Abstract

Research aims: This study aims to explore the strategic role of mosques in managing Zakat, Infaq, and Shadaqah (ZIS) as sustainable Islamic financial instruments to support socio-economic empowerment in Surabaya. Design/Methodology/Approach: Using a qualitative descriptive approach, this research employed in-depth interviews and field observations across 14 selected mosques in five regions of Surabaya. Data were analyzed thematically to identify patterns in ZIS fund management and community empowerment practices. Research findings: The study finds that mosques in Surabaya actively collect and utilize ZIS funds for social aid and productive activities. Key strategies include enhancing human resource capacity, improving facilities and financial management infrastructure, raising public awareness, and building partnerships with Islamic financial institutions. Programs such as skill training, micro-enterprise support, and infrastructure development demonstrate the sustainable use of ZIS funds. Transparency and accountability are also emphasized to increase public trust. Theoretical Contribution/Originality: This study contributes to the literature by contextualizing mosque-based ZIS management in an urban Indonesian setting. It offers a structured strategy map tailored to the socio-economic characteristics of Surabaya and expands on existing empowerment models by integrating religious, financial, and institutional dimensions. Practitioners/Policy Implications: The findings provide actionable insights for mosque administrators, zakat institutions, and policymakers to enhance the sustainability of ZIS utilization. Recommendations include capacity-building for mosque amil, digitalization of ZIS systems, and policy support for mosque collaborations with Islamic financial institutions and government agencies. Research Limitations/Implications: The study is limited to 14 mosques, which may not fully represent the diversity of practices across Surabaya. The qualitative nature also limits generalizability. Future research should adopt a mixed-methods approach with broader samples and examine digital integration and long-term program outcomes for greater impact assessment.
OPTIMIZATION OF DIGITAL FINANCE FOR RECIPIENTS OF SOCIAL ASSISTANCE FAMILY HOPE PROGRAM(PKH) IN WARUREJA DISTRICT REVIEWED FROM THE THEORY OF ASHABIYYAH Nabila, Anissa Putri; Hermawan, Hendri; Shulthoni, Muhammad; Andrean, Rizky
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.16650

Abstract

Research aims: This study aims to analyze the optimization of digital finance in the implementation of the Family Hope Program (PKH) in Warureja District, using Ibn Khaldun’s Ashabiyyah theory as an analytical framework. Design Methodology/Approach: A qualitative field research approach was applied, involving interviews and observations with the Village Head, five PKH recipients, and one PKH facilitator in Demangharjo Village, Warureja District, Tegal Regency. Primary and secondary data were collected to gain a comprehensive understanding of the community’s experiences with digital finance systems. Research findings: The results reveal that digital finance has enhanced efficiency and transparency in the distribution of social assistance. Recipients reported faster access to aid and improved communication with facilitators, although many still struggle with using digital tools due to low digital literacy. Notably, the community's strong social cohesion (Ashabiyyah) facilitated mutual support among PKH members in adapting to technological changes. Challenges such as fear of data misuse and limited understanding of ATM/mobile banking were mitigated through collective learning and socialization activities. Theoretical Contribution/Originality: This study offers a novel application of Ashabiyyah theory in the context of digital finance and social assistance, showing how social solidarity can support technological adaptation in rural communities. Practitioners/Policy Implications: Findings suggest the need for local governments to invest in digital infrastructure and provide regular, community-based digital literacy training. Facilitators should adopt participatory approaches to strengthen recipient engagement. Encouraging collective learning among PKH recipients can further reinforce program success. Research Limitations/Implications: The study is limited to a single village and does not incorporate broader Islamic references (Qur’anic verses or Hadiths). Future research should expand the geographical scope and explore deeper religious-theoretical foundations to enrich analysis and policy recommendations.              

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