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EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Published by STIE Syariah Indonesia Purwakarta
ISSN : 25992708     EISSN : 26548526     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Eksisbank Journal is open access published by the Sharia Economic Study Program and Syariah STIES Banking Indonesia Purwakarta. The main objective of Eksisbank is to provide a platform for scholars, academics and international researchers to share contemporary thoughts in the fields of accounting, taxation, sharia financial management, marketing management, Human Resource management, Islamic capital markets, strategic management, risk management, sharia economics , entrepreneurship, and the sharia banking business in the form of research results, feedback articles, and case reports. It also aims to promote sharia economic studies and Islamic banking, thereby becoming a leading international journal in the field of Islamic economics and Islamic banking in the world.
Arjuna Subject : -
Articles 156 Documents
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Analisis Pengaruh Infrastruktur Jalan, Listrik Dan Air Terhadap Produk Domestik Regional Bruto (PDRB) Kota Bandar Lampung Di Tinjau Dari Perspektif Ekonomi Islam Tahun 2011-2024 Salsabila, Afifah Dhafa; Putri, Rosydalina; Ermawati, Liya
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 9 No 2 (2025): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/pwe4kh93

Abstract

Infrastructure is a fundamental facility that plays a vital role in supporting the social and economic activities of society. Infrastructure such as roads, electricity, and clean water serves as the main foundation for production, distribution, and consumption activities within a region. The availability of adequate infrastructure is a key factor in enhancing economic efficiency, expanding access to public services, and strengthening regional competitiveness. This study aims to analyze the influence of road, electricity, and water infrastructure on the Gross Regional Domestic Product (GRDP) of Bandar Lampung City for the period 2011–2024 from an Islamic economic perspective. The research employs a quantitative descriptive approach using multiple linear regression analysis (time series), with secondary data obtained from the Central Bureau of Statistics (BPS), PLN, PDAM, and the Public Works Department of Bandar Lampung City. The population in this study consists of road, electricity, and water infrastructure as well as the GRDP of Bandar Lampung City. Thus, the sample analyzed comprises 14 observations from 2011 to 2024. The data were processed and analyzed using EViews 12 software, which includes classical assumption tests (normality, multicollinearity, heteroscedasticity, and autocorrelation) and hypothesis testing (t-test, F-test, and coefficient of determination). The results indicate that simultaneously, the three infrastructure variables have a significant effect on GRDP with an Adjusted R-squared value of 0.807 or 80.7%, meaning that 80.7% of GRDP variation can be explained by road, electricity, and water infrastructure variables, while the remaining 19.3% is influenced by other variables outside the study. Partially, road and electricity infrastructure significantly affect GRDP, while water infrastructure has a positive but insignificant effect. The classical assumption tests show that the data meet the criteria for a good regression model, as all tests indicate normality and the absence of multicollinearity, heteroscedasticity, and autocorrelation. From an Islamic economic perspective, infrastructure development is a mandate of the khalifah (leader) to prosper the earth in accordance with the principles of maslahah (public benefit), justice, and social responsibility. Therefore, equitable and sustainable infrastructure development can promote economic growth and community welfare
Analisis Kinerja Keuangan Bank Syariah Indonesia Berdasarkan Rasio Profitabilitas, Likuiditas, dan Efisiensi Tahun 2021–2024 Febriansyah, Fandi; Faiqoh, Elok
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 9 No 2 (2025): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/8fxzma96

Abstract

Bank Syariah Indonesia (BSI) plays a strategic role in maintaining national economic stability, especially after the merger in 2021. Structural changes resulting from the merger require an evaluation of financial performance to assess BSI's ability to maintain profitability, liquidity, and operational efficiency amid increasingly fierce industry competition. This study aims to analyze BSI's financial performance during the 2021–2024 period using quantitative analysis methods on annual financial reports with ROA, ROE, FDR, and BOPO ratios. The results show a positive and consistent trend: ROA increased from 1.61% to 2.49% and ROE from 13.71% to 17.77%, reflecting an increase in asset and capital efficiency. FDR rose from 73.39% to 84.97%, indicating optimization of intermediary functions, while BOPO decreased from 80.46% to 69.93%, indicating improved operational efficiency. These improvements illustrate the success of the post-merger integration strategy, which has strengthened BSI's financial structure and competitiveness in the national market. These findings also confirm that BSI is able to maintain stable financial performance in a sustainable and adaptive manner to macroeconomic dynamics.
Analisis Penyaluran Dana Zakat Melalui Program Pemberdayaan Ekonomi Pada Lembaga Zakat Dompet Dhuafa Lampung Nurfikri, M Azkia; Etika, Citra; Pratomo, Dimas
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 9 No 2 (2025): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/n9p7kd96

Abstract

Penelitian ini dilatarbelakangi oleh permasalahan kemiskinan yang masih menjadi tantangan di Indonesia, di mana kualitas sumber daya manusia yang rendah dan ketimpangan pendapatan menjadi faktor utama. Zakat sebagai instrumen keuangan syariah memiliki potensi besar untuk mengentaskan kemiskinan melalui penyaluran yang tepat sasaran dan pemberdayaan ekonomi. Dompet Dhuafa Lampung sebagai lembaga amil zakat nasional menjalankan berbagai program pemberdayaan ekonomi untuk meningkatkan kemandirian dan kesejahteraan mustahik, namun pelaksanaannya menghadapi kendala seperti keterbatasan sumber daya dan persaingan dengan lembaga sejenis. Penelitian ini bertujuan untuk menganalisis peran Dompet Dhuafa Cabang Lampung dalam menyalurkan dana zakat melalui program pemberdayaan ekonomi guna meningkatkan kesejahteraan masyarakat dhuafa. Metode yang digunakan adalah deskriptif kualitatif dengan pendekatan studi lapangan (field research) serta didukung data sekunder dari laporan lembaga dan literatur terkait. Hasil penelitian menunjukkan bahwa Dompet Dhuafa Lampung telah melaksanakan berbagai program seperti DD Farm, Kantin Kontainer, Bedah Warung, dan Magotin yang berfokus pada peningkatan kemandirian mustahik. Program tersebut berdampak positif terhadap peningkatan pendapatan, keterampilan usaha, dan kesejahteraan penerima manfaat. Kendati demikian, pelaksanaannya masih menghadapi kendala seperti keterbatasan SDM pendamping, dana operasional, serta tantangan dalam mencetak local leader yang kompeten. Selain itu, persaingan dengan lembaga amil zakat (LAZ) lain turut menjadi ancaman bagi keberlangsungan dan kepercayaan muzakki. Melalui konsep no exit program dan wheel entrepreneur, Dompet Dhuafa Lampung berhasil membentuk siklus pemberdayaan berkelanjutan yang menjadikan mustahik mandiri sebagai pembina bagi mustahik baru. Dengan demikian, zakat produktif berperan penting dalam mendorong kemandirian dan pembangunan ekonomi masyarakat secara berkelanjutan.
Dinamika Pasar Kosmetik Halal Di Sumatera Utara: Analisis Perspektif Konsumen Dan Strategi Produsen Nasution, Akmal Huda; Munthe, Salman; Adhitya, Wisnu Rayhan; Khaira, Imamul; Rahman, Haikal
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 9 No 2 (2025): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/xapnwq68

Abstract

The halal cosmetics industry is experiencing rapid growth, driven by increasing consumer awareness, particularly among Millennial and Gen Z consumers. This study aims to present a holistic analysis of the factors driving consumer purchase intention towards halal cosmetics in North Sumatra and to formulate the strategies implemented by producers in response to market dynamics. Employing an explanatory sequential mixed-methods design, the research combines a quantitative survey of 400 Millennial and Gen Z respondents with qualitative in-depth interviews with seven industry stakeholders. The quantitative analysis utilized Partial Least Squares-based Structural Equation Modeling (PLS-SEM), while the qualitative analysis employed thematic analysis. The results from the structural model analysis demonstrate that consumer purchase intention is strongly and directly influenced by two core psychological pillars: attitude toward halal products and consumer trust, with the model's predictive power reaching 72.4%. Positive attitude is significantly shaped by the individual's level of religiosity and adequate halal knowledge. Trust, conversely, is cultivated by consumer perception of product quality, positive brand image, and the formal assurance of halal certification. A crucial finding confirms that the influence of product quality and brand image on purchase intention is fully mediated by the trust variable. Halal cosmetic producers in North Sumatra acknowledge the dual market demands, where halal certification is a basic prerequisite, while superior product quality is a competitive necessity. Furthermore, digital marketing via influencers and electronic word-of-mouth (e-WOM) is highly effective in building brand image, yet it does not directly foster deep trust, indicating the fragility of digital reputation if not supported by strong product substance. The most significant operational challenge lies in maintaining the integrity and traceability of the halal supply chain from upstream to downstream. The main conclusion of this study is that success in the modern halal cosmetics market demands an integrated strategy that moves beyond regulatory compliance, focusing consistently on enhancing product quality and supply chain transparency to build authentic and sustainable consumer trust.
Transformasi Penghimpunan Dana Wakaf Di Era Digital Yanti, Juli Darma; Rozalinda, Rozalinda; Ikhsan, Ainul
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 9 No 2 (2025): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/7frps634

Abstract

Waqf is one type of Islamic philanthropy already There has been since a long time ago. It's used for service education, social, agriculture, and health as well as objective religious. Study This aims to investigate how the transformation of waqf in the digital era can increase efficiency as well as transparency in the management of waqf funds carried out by the Indonesian Waqf Board. On research This use studies bibliography. primary data is data sources used in research This ie in a way direct from journal journall related to transformation digital and collected waqf through descriptive. Research results disclose that BWI continues to endeavor to transform in collecting waqf funds, which includes three stages: strengthening digitalization in BWI, strengthening digitalization nazir and combination information waqf as well as speeding up strengthening environment computerization and creating a waqf model imaginative progress for executives. Theoretically, this study expands scientific understanding in the field of Islamic philanthropy and economics, particularly in relation to the digital revolution in waqf fund collection. The findings of this study can also serve as a guide for future research on innovation and the application of digital technology in waqf management.
Pengaruh Ekonomi Digital dan Etika Bisnis Islami Terhadap Pembangunan Ekonomi Ningsih, Selly Kudrati; Syahrif, Airul; Khalil, Adawiyah Asti; Salsabila, Salsabila
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 9 No 2 (2025): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/p15bj755

Abstract

Penelitian ini muncul dari kebutuhan mendesak untuk mentransformasi ekonomi digital dan menerapkan etika bisnis Islami demi mendukung pembangunan ekonomi, terutama dalam konteks UMKM berbasis syariah di Indonesia. Digitalisasi telah menjadi salah satu pendorong utama pembangunan ekonomi, sementara etika bisnis Islami berperan sebagai fondasi moral dan tata kelola usaha yang adil. Namun, data menunjukkan bahwa adopsi digital di kalangan UMKM masih terbatas, terutama di daerah pedesaan, meskipun jumlah unit usaha syariah, khususnya di sektor perdagangan makanan dan minuman halal, terus meningkat. Ini menimbulkan pertanyaan tentang seberapa besar kontribusi ekonomi digital dan etika bisnis Islami terhadap pembangunan ekonomi. Dalam penelitian ini, peneliti menggunakan pendekatan kuantitatif dengan data sekunder dari Badan Pusat Statistik (BPS) dan sumber terkait lainnya. Analisis dilakukan melalui regresi linear berganda untuk menguji pengaruh variabel independen, yaitu ekonomi digital (X1) dan etika bisnis Islami (X2), terhadap pembangunan ekonomi (Y). Hasil regresi menunjukkan model yang signifikan dengan nilai R² = 0,999, yang berarti model ini dapat menjelaskan 99,9% variasi dalam pembangunan ekonomi. Nilai uji F dengan signifikansi p < 0,001 menunjukkan bahwa variabel independen berpengaruh secara simultan terhadap pembangunan ekonomi. Secara parsial, ekonomi digital memiliki koefisien sebesar 0,1586 dengan p-value 0,003, yang menunjukkan pengaruh positif meskipun relatif kecil. Di sisi lain, etika bisnis Islami memiliki koefisien yang lebih besar, yaitu 2,1316 dengan p-value 0,000, yang menunjukkan pengaruh signifikan terhadap pembangunan ekonomi. Temuan ini menunjukkan bahwa penerapan etika bisnis Islami menjadi faktor yang lebih dominan dalam mendukung pembangunan ekonomi dibandingkan dengan aspek digitalisasi. Namun, penguatan kapasitas digital tetap diperlukan agar UMKM syariah dapat meningkatkan daya saing dan memberikan kontribusi yang optimal. Dengan demikian, penelitian ini menekankan pentingnya sinergi antara inovasi teknologi digital dan penerapan etika bisnis Islami dalam mendorong pembangunan ekonomi yang berkelanjutan.

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