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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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ANALYSIS OF THE APPLICATION OF THE CAMELS METHOD TO MEASURE THE LEVEL OF HEALTH AT BANK MEGA SYARIAH FOR PERIOD 2019-2023 Nur Cahyani, Della; Khasanah, Faizatun; Auliyaun Nisaa, Mufida; Iqbal Surya Pratikto, Muhammad; Adam Bin Hamzy, Muhammad
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.v16i1.18676

Abstract

Research aims: This study aims to assess the financial health of Bank Mega Syariah during the 2019–2023 period using the CAMELS framework, to determine its performance stability and risk exposure. Design/Methodology/Approach: This research employs a quantitative descriptive approach based on secondary data extracted from the annual financial reports of Bank Mega Syariah (2019–2023). The analysis is conducted using the CAMELS method, which evaluates six key aspects: Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. The performance of Bank Mega Syariah is ranked relative to other Islamic banks operating in Indonesia. Research findings: The results show that Bank Mega Syariah consistently maintained a sound financial position throughout the five-year period. The bank ranked first in key indicators such as Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operational Efficiency Ratio (BOPO), and Financing to Deposit Ratio (FDR). Additionally, it ranked second in Return on Assets (ROA) and Net Income (NI), and third in Net Operating Income (PDN), though it placed fourth in Return on Equity (ROE). Theoretical Contribution/Originality: This study contributes to the limited body of empirical literature on Islamic bank performance in Indonesia by offering a multi-year evaluation using the comprehensive CAMELS framework. It enhances understanding of Islamic bank resilience and performance indicators under Sharia compliance. Practitioners/Policy Implications: The findings provide useful insights for bank management, investors, and regulators to support strategic decision-making, risk mitigation, and regulatory supervision. They also highlight the importance of maintaining balanced financial ratios to ensure long-term sustainability. Research Limitations/Implications: The analysis is limited to one Islamic bank and relies solely on publicly available financial reports, without incorporating macroeconomic variables or customer perception data. Future research could expand the scope to include comparative studies across multiple Islamic banks or introduce qualitative dimensions.
VECTOR ERROR CORRECTION MODEL (VECM) APPROACH IN ANALYZING THE DYNAMIC RELATIONSHIP BETWEEN GROSS DOMESTIC PRODUCT (GDP) AND ISLAMIC BANK FINANCING IN INDONESIA Zulkarnain, Riyan; Nasrulloh, Nasrulloh; Izzati Septiana, Nurul
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.v16i1.18780

Abstract

Research aims: This study investigates the connection between Islamic bank financing and the Gross Domestic Product (GDP) of Indonesia. Design/Methodology/Approach: Using secondary time-series data (2015 – 2023), this study employs the Vector Error Correction Model (VECM) within a quantitative framework to investigate short-run and long-run dynamics between the two variables. Research findings: This study reveals that Islamic financing is a key factor in fostering long-term economic growth, although its influence in the short term shows a fluctuating pattern. The Granger test indicates bidirectional causality, while the IRF and VD analyses show an initial positive impact of Islamic financing on GDP that diminishes over time. Theoretical Contribution/Originality: This study develops the theoretical framework of Islamic banking by demonstrating that financing is directed toward the real sector based on principles of justice (free of interest and speculation) and isolated from non-bank variables, such that funding can foster pure economic growth. Practitioners/Policy Implications: To achieve the real-world impact of Islamic financing on the national economy, close collaboration between financial regulators, academics, industry stakeholders, and Islamic social organizations is essential. Research Limitations/Implications: The overall scope of the data used remains limited, particularly regarding the exclusion of external variables such as global economic dynamics, the level of financial inclusion, and fiscal policies, which may implicitly influence the research outcomes.
ANALYSIS OF FACTORS THAT AFFECTING INTEREST IN SAVING AT BANK MUAMALAT KCP BOYOLALI (STUDY ON GENERATION Z OF BOYOLALI REGENCY) Kurnianingsih, Mutiara Dwi; Setiawan, Agus
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.v16i1.18781

Abstract

Research Aims: This study aims to examine the influence of financial literacy, trust, promotion, and perception of religiosity on Generation Z's interest in saving at Bank Muamalat Sub-Branch Boyolali, Central Java, Indonesia. Design/Methodology/Approach: This research adopts a quantitative correlational approach with a descriptive-verifiable design. Data were collected through an online questionnaire using a purposive non-probability sampling technique, targeting 400 Generation Z respondents in Boyolali Regency. The collected data were analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. Research Findings: The findings indicate that promotion and perception of religiosity have a positive and significant effect on saving interest. In contrast, financial literacy and trust do not significantly influence Generation Z's intention to save in Bank Muamalat. The results suggest that promotion and religious values are the main drivers of saving behavior among Gen Z in this context. Theoretical Contribution/Originality: This study contributes to the Islamic banking literature by integrating four variables rooted in the Theory of Planned Behavior (TPB) within a single empirical model. It highlights the unique role of religiosity in shaping financial decisions among youth in a religiously-oriented region, offering novel insights into value-based financial behavior. Practitioners/Policy Implications: The results recommend that Bank Muamalat optimize its digital and community-based promotional strategies and strengthen the integration of religious values in financial services to increase Gen Z engagement. Tailoring marketing efforts to their digital preferences and moral considerations can effectively enhance saving interest. Research Limitations/Implications: The use of purposive sampling and online data collection may limit the generalizability of findings due to potential self-selection and social desirability biases. Future research should employ probability sampling and explore additional variables such as digital service quality, peer influence, and fintech preferences to enrich understanding of Gen Z's financial behavior in Islamic banking.
THE INFLUENCE OF LIFESTYLE AND ISLAMIC FINANCIAL LITERACY ON THE CONSUMPTIVE BEHAVIOR OF INDONESIA SMART SCHOLARSHIP FOR HIGHER EDUCATION SCHOLARSHIP RECIPIENTS Tini, Munawar; Wadi, Ikhwan; Abu Hassan, Norhaslin
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.v16i1.18790

Abstract

Research Aims: This study aims to analyze the extent to which lifestyle and Islamic financial literacy influence the consumptive behavior of students receiving Indonesia Smart Scholarship for Higher Education assistance at the University of Gunung Rinjani. Design/Methodology/Approach: The study uses a quantitative approach with descriptive and verificative methods. Data were collected through questionnaires distributed to 100 students who are recipients of the Indonesia Smart Card for College Program. The data analysis was conducted using multiple linear regression, processed through SPSS version 26. Research Findings: The results indicate that lifestyle has a significant positive influence on consumptive behavior. Meanwhile, Islamic financial literacy has a significant negative influence. Simultaneously, lifestyle and Islamic financial literacy jointly contribute to consumptive behavior. These findings suggest that the higher the students' understanding of Islamic financial principles, the lower their tendency to engage in consumptive behavior. Theoretical Contribution/Originality: This research contributes to the development of literature in the field of Islamic behavioral finance by integrating lifestyle and Islamic financial literacy as predictors of consumptive behavior among scholarship recipients a group that has rarely been the focus of similar studies. Practitioners/Policy Implications: The findings highlight the importance for higher education institutions and policymakers to develop targeted Islamic financial literacy programs for scholarship recipients, in order to promote wiser financial behavior and reduce excessive consumption. Research Limitations/Implications: This study is limited to one institution and a relatively small sample size. Future research is recommended to include more universities and adopt a longitudinal approach to examine the consistency of the results over time.
KONSEP WELFARE STATE AL MAWARDI DALAM KITAB ADAB AL-DUNYĀ WA AL-DĪN: Sebuah Telaah konsep analisis kritis: KONSEP WELFARE STATE AL MAWARDI DALAM KITAB ADAB AL-DUNYĀ WA AL-DĪN: Sebuah Telaah konsep analisis kritis Stianto, Aris; Syamsuri, Syamsuri
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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Abstract

This article tries to examine the concept of welfare state according to capitalism in the view of al-Mawardi. The process of data collection is done by studying books, articles that discuss the concept of welfare, especially the book of al Adab Dunya wa al-Din, the phenomenal work of Imam Al-Mawardi. Finally, this article explains that the concept of al-Mawardi's welfare state with the welfare state according to capitalism is the opposite. One of the most important examples of al-Mawardi's view in the welfare state is that religion is the basis of the state. So that the basic policy is always thinking about the benefit of the people not on the will of a particular group or group. It is different from the concept of capitalism that the existence of this welfare state is to cover up the failure of the economic system that has been applied. This study is very useful to know how the concept of welfare state according to capitalism and according to Al-Mawardi, as well as to be used as reference material in subsequent writings. Keyword: Welfare State, Al-Mawardi, Kapitalisme
PENGARUH IMPLEMENTASI SISTEM INFORMASI MANAJEMEN ZAKAT BAZNAS (SIMBA) TERHADAP PENGELOLAAN ZAKAT KOTA BOGOR: SIMBA Pengelolaan, Pengumpulan, Pendistribusian Zakat, BAZNAS Kota Bogor maudy, witri Aulia; Nawawi, Kholil
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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Abstract

This study aims to determine implementation of the zakat management system, otherwise known as SIMBA and the influence of SIMBA towards the management of zakat in the form of collection and distribution zakat. The methodology in this study uses a simple linear regression method with SPSS tools. Based on the results of the study that the implementation of SIMBA in BAZNAS Bogor city has not been fully implemented seen in the results of research output with SPSS it is known that SIMBA implementation has an effect of 20.4% and distribution of 27.8%.
DIFERENSIASI DAN TINGKAT PEMAHAMAN PRODUK, SERTA KUALITAS SUMBER DAYA MANUSIA ATAS KEPUTUSAN NASABAH PERBANKAN SYARIAH Khasanah, Uswatun; Muamar, Afif
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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Abstract

The greater growth of the banking industry creates increasingly fierce competition between the sharia banking industry so that it will make consumers have many alternative choices before deciding which bank to aim for sharia banking transactions. This study aims to reveal the level of understanding of the quality of human resources of customers to customer decisions, the perception of product differentiation of customer decisions. This study uses qualitative research, data collected by interview, observation, documentation and then analyzed using a descriptive analysis method. The results of the study prove the customer's perception of product differentiation, the level of product understanding, and the quality of human resources have a positive influence on customer decisions in Islamic Banking. This means that according to consumers the three components are considered important when using services in Islamic Banking. Keywords: Products, Quality of Human Resources, Customer Decisions
PENGARUH TINGKAT LITERASI MAHASISWA PERBANKAN SYARIAH TERHADAP INKLUSI KEUANGAN PRODUK PERBANKAN SYARIAH DALAM TRANSAKSI E_COMMERCE Lestari, Nur Melinda
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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Abstract

Survey of the Financial Services Authority (OJK) in early 2018 showed sharia financial literacy levels were only 8% based on inclusion rates, for sharia banks themselves reaching highest literacy rates of 6,6% literacy rates and 9% inclusion rates, this was the goal of the banking sharia, of the many obtained in each academic year, must be able to contribute to development of shariah banking literacy levels. Student markets are large for e-commerce and the market. This study looks at the level of financial inclusion of Islamic banking in e-commerce transactions. The instrument test was conducted to test the quality of the instruments used in the study using the classic assumption test, normality test, autocorrelation test, and heteroscedasticity test, the data analysis technique of this study used simple regression analysis. Keywords: Student Literacy Mahasiswa, M-banking Inclusion
Tinjauan Maqashid Syariah dan Fiqh al-Bi'ah dalam Green Economy Muhtadi, Ridan; Utama, R Wahyu Agung; Arifin, Nur Rachmat; Mawardi, Imron
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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Abstract

Economic development in the 20th century has a huge impact on the sustainability of mankind. However, on the other hand, it has a negative impact on the living ecosystem. Economics and the environment are considered two opposite sides in some ways like the way they treat profit orientation toward sustainable development. Sustainable development On the basis of this result creates a relatively new concept, Green Economy. Green Economy is a concept that supports human welfare and care for the preservation of the environment and ecosystem of life in economic development. But the negative side of economic development could also affect the depletion of natural resources due to overexploitation, pollution of the land, water, and air due to industrial pollution, floods, and impact on climate change. Islam has an ideal concept of sustainable development. There are at least fundamental rules in order to support the sustainable development of the implementation of environmental fiqh based maqasid sharia for the management of Islamic resources in economic transactions. Keywords: Maqasid Syariah, Fiqh environment, Green Economy, Environmental Preservation
ANALISIS PUBLIKASI DAN LAPORAN KEUANGAN LAZISMU BERDASARKAN PSAK NO. 45 (STUDI KASUS LAZISMU MENTENG JAKARTA PUSAT) Haryanto, Agung; Yeni, Fatma
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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Abstract

This study aims to conduct an analysis related to the publication and preparation of financial statements of LAZISMU based on Statement of Financial Accounting Standards (PSAK) No. 45. The method used in this study is descriptive quantitative. Based on the results of the interview, it was reported that the financial statements were published in a comparative way, the aim being that users of financial statements could compare the performance of LAZISMU with the previous year. The researcher found that the annual report was still a general description related to the amount of fund distribution and the parties receiving the funds. Published reports should be in the form of nominal of each fund channeled. Furthermore, based on the explanation from the financial manager, it was stated that the financial statements of LAZISMU were no longer using PSAK No. 45 but have already switched to PSAK No. 109. This means that the preparation of financial statements of LAZISMU has used the most appropriate standard of preparation. Keyword: Financial Report, Zakat Institution, PSAK No.109

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