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JESI (Jurnal Ekonomi Syariah Indonesia)

JESI
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Published by Universitas Alma Ata Yogyakarta

ISSN : 20893566 EISSN : 25031872 DOI : -

Core Subject : Economy,

Economics, Econometrics & Finance

JESI: Jurnal Ekonomi Syariah Indonesia adalah jurnal ekonomi yang memberikan kajian ekonomi syariah, lembaga keuangan syariah, dan bisnis syariah. Jurnal JESI berupaya untuk menyajikan hasil karya ilmiah, dalam bentuk tulisan yang mengulas pokok permasalahan perekonomian yang berlandaskan syariah islam.

Arjuna Subject : -

Articles 200 Documents

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Penerapan Program Baznas Peduli Dhuafa Menuju Kesejahteraan dan Pemberdayaan Zakat Maal Untuk Meningkatkan Penghasilan Mustahik di Kabupaten Indragiri Hilir Zainal Abidin; Sucipto Sucipto; Bahrul Ma'ani
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 12, No 2 (2022)
Publisher : Universitas Alma Ata

BAZNAS Kabupaten Indragiri Hilir mengembangkan konsep penyaluran dana zakat secara bergulir dan berkesinambungan untuk para penerima zakat, dengan tujuan agar dapat meningkatkan taraf hidupnya dan mampu berubah dari penerima zakat menjadi pemberi zakat. Adapun yang menjadi pembahasan dalam penelitian ini adalah bagaimana penerapan program Baznas peduli dhu’afa’ menuju kesejahteraan mampu meningkatkan penghasilan perekonomian mustahik dan pemberdayaan zakat maal untuk meningkatkan penghasilan Mustahik, Jenis penelitian yang digunakan adalah field research, dengan teknik wawancara, observasi, dan dokumentasi serta menggambarkan fakta yang terjadi di lapangan. Adapun yang menjadi subyek dalam penelitian ini adalah pengurus BAZNAS dan mustahik pada BAZNAS kab INHIL. Hasil yg diperoleh menunjukkan bahwa Program yang sudah diterapkan Baznas peduli dhu’afa’ menuju kesejahteraan yaitu dalam bentuk bantuan perahu, pertamini, kapal penangkap ikan, alat angkas rambut, bedah rumah, dan gerobak jualan. Adapaun pemberdayaan zakat maal untuk meningkatkan penghasilan Mustahik, BAZNAS menerapkan beberapa strategi diantaranya: Peningkatan perekonomian secara langsung, Peningkatan perekonomian melalui pemberian skill dan keterampilan, Peningkatan perekonomian melalui pemberian modal usaha, dan Peningkatan perekonomian melalui membuka lapangan kerja.

Potensi Ekonomi Guwosari Menjadi Kalurahan Mandiri Melalui Maggot Annisa, Nadya Nurul; Maula, Defia Ifsantin
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 12, No 2 (2022)
Publisher : Universitas Alma Ata

Penelitian ini menganalisis tentang potensi ekonomi Kalurahan Guwosari menjadi Kalurahan mandiri melalui maggot. Kalurahan Guwosari merupakan termasuk dari wilayah Kapanewon Pajangan Kabupaten Bantul. Potensi ekonomi di Kalurahan Guwosari sangat beragam dan terbagi ke beberapa sektor diantaranya : pariwisata, peternakan, pertanian, perikanan dan industri kecil. Penelitian ini berfokus pada sektor peternakan yaitu maggot. Di Guwosari terdapat budidaya maggot yaitu MMJ Maggot guwosari di Jl. Guwosari raya, maka dari itu karena sudah ada kelembagaannya maka ada peluang untuk Kalurahan Guwosari menjadi Kalurahan Mandiri melalui Maggot. Budidaya maggot sendiri merupakan budidaya level rumah tangga dimana setiap orang dapat membudidayakan maggot. Maggot atau belatung merupakan larva dari lalat BSF (Hermetia Illucens, Stratimydae, Diptera). Maggot Black Soldier Fly dapat digunakan sebagai bahan memberi makan ikan dan juga pakan peternakan unggas. maggot bermanfaat untuk mereduksi sampah organik, Sebanyak 1 gram maggot bisa mengkonsumsi 1 kilogram sampah organik dalam waktu 24 jam. Permasalahan yang terjadi adalah belum adanya peternakan Kalurahan yang mewadahi pendistribusian maggot. Pada penelitian ini pendekatan penelitian yang digunakan dalam penelitian ini adalah pendekatan kualitatif dan metode yang digunakan ada 3 (tiga) diantaranya : metode observasi, metode wawancara dan metode dokumentasi.

Faktor-faktor yang Mempengaruhi Ketidaketisan Penggunaan Komputer oleh Pengguna di UMKM Kabupaten Sleman ningrum, Widya Stia; Hidayah, Nila
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 12, No 2 (2022)
Publisher : Universitas Alma Ata

Komputer telah banyak membawa kemudahan salah satunya memaksimalkan hasil pekerjaan. Semakin berkembangnya teknologi, semakin sulit untuk mengukur apa yang salah dan benar dalam penggunaannya. Di dalam dunia bisnis, kebijakan dan pelatihan sumber daya manusia dikembangkan demi terciptanya kesadaran tentang etika dan penggunaan komputer sebagaimana mestinya. Tujuan dari penelitian ini adalah untuk mengetahui sejauh mana penggunaan komputer yang tidak etis oleh pengguna teknologi informasi di UMKM Kabupaten Sleman. Pada penelitian ini menggunakan metode survei yang merupakan cara untuk mengumpulkan informasi secara luas dari beberapa subjek yang berkaitan. Hasil dari penelitian ini menunjukkan bahwa etika kerja Islam berpengaruh positif terhadap etika penggunaan komputer. Etika penggunaan komputer tidak berpengaruh terhadap ketidaketisan penggunaan komputer. Sedangkan jenis kelamin sebagai faktor moderasi berpengaruh terhadap ketidaketisan penggunaan komputer. Begitu juga pengalaman kerja sebagai faktor moderasi berpengaruh terhadap ketidaketisan penggunaan komputer. Lalu usia sebagai faktor moderasi berpengaruh terhadap ketidaketisan penggunaan komputer. Demikian pula tingkat pendidikan berpengaruh terhadap ketidaketisan penggunaan komputer.

Subjective Norms Are Not Important for Millennials in Determining Their Interest in Technology: TAM and TPB Models Examines La Pade, Alwahidin; Wahyu Prayoga, Jodi
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 12, No 2 (2022)
Publisher : Universitas Alma Ata

This study examines the factors influencing the intention to use Islamic mobile banking services. In this study, factors influencing millennials' interest in using Islamic mobile banking are perceived usefulness, perceived ease of use, attitudes towards behaviour, subjective norms and behavioural control. This research is a development of previous research, which also uses a combination model of TAM (Technology Acceptance Model) and TPB (Theory of Planned Behavior). Data analysis was performed using Smart PLS Software version 3.0 and IBM SPSS 25. The results of this study indicate that perceived ease of use, perceived benefits, attitude to use, and behavioural control influence students' interest in using Islamic mobile banking. Meanwhile, subjective norms do not affect students' interest in using sharia mobile banking. The implications of this research are relevant for bank management, strategic divisions, marketing and mobile banking analysts to pay attention to the factors influencing individual interest in using mobile banking in developing their information systems.

Development of a Tourism Village Efforts to Empower the Community's Economy from an Islamic Economic Perspective: A Case Study of West Lombok's Kebon Ayu Kurniati Fitri, Zahratul Aini; Mansyur, Zainudin; Mulhimmah, Baiq Ratna
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 1 (2023)
Publisher : Universitas Alma Ata

The tourism sector in the world economy has a role to play as a contributor to employment and economic growth. In the current era of regional autonomy, villages are given the authority to regulate wider community interests, aiming to accelerate the realization of community welfare through service, empowerment, and the role of village communities, as well as increasing regional competitiveness by taking into account the principles of equity and justice. The development of tourism villages is a new idea related to the utilization of village potential, which is expected to be packaged into tourism products that can preserve local wisdom, where community empowerment becomes a public concern and is considered one of the appropriate approaches in overcoming the problem of poverty. So that empowerment can form an economically self-sufficient society. This study aims to find out how to implement the economic empowerment of the people of Kebon Ayu Village through the Tourism Village Program and what obstacles are encountered in this implementation. The research method used is qualitative research with data collection carried out using observation, documentation, and interviews. Data analysis techniques are carried out by reducing, presenting, and drawing conclusions. The results of the study show that community economic empowerment through the Tourism Village program has a positive impact on increasing people's income and creating employment opportunities through training and providing business facilities. The main obstacles faced were the lack of business capital, lack of public awareness, and inadequate promotion and marketing media.

The Role of Islamic Banks' Financial Performance on Corporate Social Responsibility (CSR) Nurdyanzah, Muh; Junaidi, Junaidi; Sultan, Sultan
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 1 (2023)
Publisher : Universitas Alma Ata

This study aims to obtain empirical evidence of factors that can affect the CSR performance of the Islamic social reporting (ISR) index of Islamic banks, which then interact with moderating variables. The method used is a quantitative method with multiple regression techniques and moderated regression analysis used to analyze the data. The factor used is Islamic social reporting, and the moderating variable is financial performance contained in the annual reports of several Islamic banks in Indonesia. From 2012 to 2021, the population of this study is Indonesian Islamic Commercial Banks (BUS). The sample obtained based on the sample selection criteria is only four Islamic commercial banks with a total of only 40 observations, indicating that the sample is still relatively small and the resulting value is relatively low to explain the company's financial performance. The time series method is used to process the data. The result show ROA and ROE can moderate and strengthen the impact of ISR on firm performance, ISR has a favorable and considerable impact on the financial performance of Islamic banks. The added value of the company is supported theoretically and empirically by this study. For this research to be used as a reference to explain phenomena with existing theories, the hypotheses made are stated descriptively and then accompanied by a Sharia perspective.

Implementation of Sharia Marketing Strategy as a Solution to Increase Linkaja Syariah Consumer Loyalty Firdausi, Firna Nahwa; Ardyansyah, Farid
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 1 (2023)
Publisher : Universitas Alma Ata

The purpose of this research is to find out the sharia marketing strategy as a solution to increase LinkAja Syariah consumer loyalty. The method used is a qualitative approach with descriptive analysis. Source of data obtained from primary data through interviews. The findings of this study indicate that the sharia marketing strategy implemented by LinkAja is a strategy that can increase the loyalty of LinkAja Syariah consumers. Promos and events are one of the sharia marketing strategies that are organized by providing various features in one application that make it easy and very practical for users to carry out all their transaction needs. The LinkAja Syariah strategy is carried out as an implementation to the community of the importance of sharia-based transaction education. The sharia marketing strategy is a form of activity that aims to meet customer needs through good behavior in providing halal products and services following a mutual agreement to achieve material and spiritual balance.

Solving Problematic Financing Through the Execution of Murabaha Contracts: A Case Study of Agam Madani BMT Arwanto, Alfin Dani; Arianti, Farida; Putri Z, Wina Antika; Yani, Suci Fitri; Leli, Maisarah; Rizal, Deri
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 1 (2023)
Publisher : Universitas Alma Ata

Murabahah is one of the contracts and products at BMT Agam Madani. This product is financing that is in great demand and is liked by the public. Murbahah contracts cannot be avoided when problematic financing occurs which is favored by interested parties from the community indirectly and contains risks. This study aims to describe the use of the execution method to overcome problematic financing in Murabaha contracts. The method used is a qualitative method with a case study approach. The source of data is done by looking at the social situation regarding problematic financing to the point of saturation. Data collection techniques were carried out using in-depth interviews, namely interview guides aimed at customer informants and BMT employees, besides that they also made observations. The results found from the research that the settlement of problematic financing at BMT Agam Madani is classified into two forms, if there is good faith from the customer, then a rescheduling is carried out. If the customer is not good enough, a warning letter will be given up to three times and ends with execution in the form of submitting debt guarantees. This is done because the letter of guarantee signed by the parties is entered into as a deed of acknowledgment of debt which is classified as an authentic deed and execution as an execution of the payment of a sum of money.

Ab-Chicken Sharia Partnership Business Strategy: In the Face of a Global Economic Recession Kurniawan, Heru; Aziz, Abdul
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 1 (2023)
Publisher : Universitas Alma Ata

The threat of a global recession is the thing that entrepreneurs are most aware of, including AB Chicken. In this study, the authors used a qualitative approach with descriptive analysis methods, and data collection techniques were obtained from direct observations in the field. The results of this study AB Chicken as a food and beverage business made three strategies in dealing with the global recession, namely implementing a sharia business concept with a da'wah-based marketing approach, building religious and humanitarian images, partnerships with a family concept, increasing skilled and religious human resources and expanding urban markets with services delivery (cloud kitchen). The novelty of this research is the propaganda media as a marketing strategy for AB Chicken through Buya Yahya's preaching with the motto "delicious chicken, delicious blessings".

Portrait Implementation Muzara’ah Contract Effort Encourage Improvement Community's Economy Ishak, Ishak; Saepul, Saepul; Sabani, Akbar
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 1 (2023)
Publisher : Universitas Alma Ata

The purpose of this study is to describe how the process of implementing profit sharing is carried out by agricultural communities in the District. District Anggeraja. Enrekang and whether the profit-sharing model is following the muzara’ah contract in Islam. There are three main topics discussed in this article, namely (1) The potential for shallot farming (2) The mechanism for implementing the muzara’ah contract in shallot farming (3) The economic impact on the community from shallot farming. This type of research uses qualitative methods which are described descriptively. Sources of research data using primary data and secondary data. To obtain valid data, the authors use data collection methods utilizing observation, interviews, and documentation. The data analysis technique used in this research is data reduction, presenting data, and drawing conclusions. The findings of the results in the study indicate that the concept of profit sharing is carried out by the people of Kec. Anggeraja Kab. Enrekang is called by the term bagessele' which is carried out based on the customs of the local community, namely an agreement between the owner of capital and sharecroppers in the form of an oral statement. In the process of implementing shallot farming profit sharing, all the results obtained from agriculture are totaled as a whole, then reduced by the capital that has been issued, and then divided based on the proportion between sharecroppers and capital owners. The mechanism for implementing the profit sharing used is also following the principles of Islamic law in Ramallah because it refers to the pillars and conditions that have been fulfilled. The distribution of ratios also follows the proportion of profit sharing in the muzara’ah contract, namely ½, 1/3, and ¼ following the mutual agreement.

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