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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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COMPARISON OF LEGAL PERSPECTIVES OF DIGITAL FINANCING AGREEMENTS BASED ON ISLAMIC CONTRACT LAW AND AGREEMENT LAW IN THE INDONESIAN CIVIL CODE Lestari, Nur Melinda; In'amullah, Muhammad
Ekonomi Islam Vol. 16 No. 2 (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.v16i2.20833

Abstract

Research Aims: The purpose of this study is to analyze the legal framework required to regulate the implementation of financial technology (fintech), particularly peer-to-peer lending platforms, in order to protect the public from illegal digital financing practices. This study highlights the importance of aligning positive law especially contract law under the Civil Code with Islamic contract law principles, given that many existing digital financing practices minimally apply sharia values. Design/Methodology/Approach: This research employs a legal normative approach using a conceptual framework and statutory analysis. It examines the coexistence of state law and Islamic law within society to provide a comprehensive understanding of regulatory needs in sharia-based digital financing. Research Findings: The study finds that there are fundamental differences in the concept of lawful cause between conventional and sharia contracts. In conventional contracts, legal validity is determined by whether the agreement does not violate the law, morality, or public order. In contrast, sharia contracts must additionally ensure conformity with Islamic legal sources (the Qur’an and Sunnah). This difference underscores the need for a regulatory framework that accommodates both legal systems in digital financing platforms. Theoretical Contribution/Originality: This study contributes to the academic discourse by linking contract law theory with fintech practices, offering a deeper understanding of how dual legal systems state law and Islamic law can coexist in regulating digital financing. It expands the literature on sharia-compliant fintech governance and emphasizes the necessity of legal harmonization in the growing digital financial ecosystem. Practitioners/Policy Implications: The study highlights the necessity for the state to establish clear and integrated regulatory standards that ensure both legal and sharia compliance in digital financing. Strengthening supervision, certification, and compliance mechanisms is essential to prevent illegal fintech operations and protect consumers. Research Limitations/Implications: The research is conceptual and normative in nature, relying on legal analysis rather than empirical field data. Further empirical studies are encouraged to evaluate the implementation effectiveness of integrated sharia and conventional legal frameworks in fintech operations.
DETERMINANTS OF CONSUMER PARTICIPATION IN BOYCOTTS OF PRO-ISRAELI PRODUCTS: EVIDENCE FROM INDONESIA Zahra, Qiny Shonia Az; Nurhasanah, Elis; Aisyah, Iis
Ekonomi Islam Vol. 16 No. 2 (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.v16i2.20960

Abstract

Research aims: This study explores the determinants of consumer boycott participation of pro-Israel products in Indonesia, a context in which political conflicts strongly shape consumption behavior. Design/Methodology/Approach: A quantitative descriptive method was used, data collection was conducted in 2024 using purposive sampling technique involving 230 respondents and used Structural Equation Modeling, specifically Partial Least Squares (SEM-PLS), to examine how religiosity, consumer animosity, and consumer affinity affect boycott actions. Research findings: The findings revealed that consumer animosity was the strongest predictor of boycott participation (β = 0.619, p < 0.001). In contrast, religiosity (β = –0.024, p = 0.641) and consumer affinity (β = 0.173, p = 0.090) did not have significant effects. The R-square of the boycott participation variable was 0. 558.The results highlight that socio-political emotions, especially animosity, influence boycott behavior more than religious beliefs. Theoretical Contribution/Originality: This study adds to the consumer behavior field by focusing on actual participation instead of just intentions, showcasing evidence from an emerging economy. Practitioners/Policy Implications: Socio-political content-based public awareness campaigns through social media and influencers, and providing databases or applications that contain a list of products affiliated with Israel, can be a practical strategy to build more consistent and impactful boycott participation. Research Limitations/Implications: This study is limited by the concentration of respondents in Java, which may not fully capture the diversity of consumer behavior across Indonesia. Future research should expand the sample to other regions to provide more representative insights.
EXAMINING THE EFFECTS OF REGULATION, HALAL AWARENESS, AND BELIEF ON MSME INTENTIONS IN MEDAN CITY TO OBTAIN HALAL CERTIFICATION Lubis, Ilham Akbar Lubis; Sugianto, Sugianto; Imsar, Imsar
Ekonomi Islam Vol. 16 No. 2 (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.v16i2.21474

Abstract

Research aims: This study examines how regulation, halal awareness, and belief influence the intention of Micro, Small, and Medium Enterprises (MSMEs) in Medan City to register for halal certification. Although mandated by Law No. 33 of 2014, many MSMEs continue to delay certification due to limited understanding, perceived financial burdens, and assumptions that their products are inherently halal. Design/Methodology/Approach: A quantitative approach using multiple linear regression was applied. Data were collected from 91 MSMEs in East Medan District through a structured questionnaire, supported by validity, reliability, and classical assumption testing. Research findings: The results show that regulation, halal awareness, and belief significantly shape MSME intentions, explaining 90.4% of the variation. Although MSMEs recognize the importance of certification for legality and consumer trust, challenges related to procedures and limited knowledge remain. Theoretical Contribution/Originality: This study enriches the literature by illustrating how regulatory and cognitive–religious factors influence MSME certification decisions. Practical/Policy Implications: Stronger government support, wider socialization, and simpler procedures are needed to increase MSME participation. Research Limitations/Implications: The findings are limited to East Medan District and a quantitative approach; future studies should compare regions or use mixed methods for deeper insights.

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