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JURNAL EKONOMI SYARIAH
Published by Universitas Siliwangi
ISSN : 25485032     EISSN : 2714769X     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
The journal focus on providing qualified researches in the area of Islamic economics, banking and finance. The journal aims to cover topics that are paramount in modern Islamic economics and finance. The languages used are Bahasa. Editors invite researchers, lecturers, reviewers, industry practitioners, and observers to contribut
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 115 Documents
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THE POTENTIAL OF CASH WAQF LINKED SUKUK FOR UMKM EMPOWERMENT Nurjannah, Mauliya Redyan; Rahmat, Rahmat
JURNAL EKONOMI SYARIAH Vol 10, No 1 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i1.14937

Abstract

Introduction to The Problem: Indonesia, the world's largest Muslim-majority country, was named the most generous country globally by the Charities Aid Foundation (CAF) for the seventh consecutive year based on the Word Giving Index 2024. The country has several Islamic public finance instruments, including zakat, infaq, sadaqah and waqf. In 2021, the Directorate of Zakat and Waqf Empowerment noted that the potential of national cash waqf reached 180 trillion rupiah. However, this huge potential has not been optimally managed, while the welfare of the Muslim community and access to financing for MSMEs remain a challenge.Purpose/Objective Study: This research aims to identify the potential of Cash Waqf Linked Sukuk (CWLS) for MSMEs empowerment.Design/Methodology/Approach: This research used a qualitative approach to provide a detailed description in the discussion section, making it easier for readers to understand. The data used is secondary data obtained from previous research results or journals that have been published via the internet, and statistical data sourced from OJK.Findings: This study finds that CWLS has a great opportunity in Indonesia. The legality of cash waqf supports this stated in the law as well as cooperation between the Indonesian Waqf Board, Islamic financial institutions, Bank Indonesia, the Ministry of Finance, and the Ministry of Religious Affairs. Good management can maximize the potential of CWLS for MSME empowerment. Recommendations for further research include the development of a CWLS-based MSME empowerment model that utilizes big data and artificial intelligence, enabling in-depth analysis to understand the specific needs of MSMEs and optimize fund allocation.Research Type: Research Article
The Effect of Capital Adequacy, Financing, and Economic Growth on The Profitability of Islamic Commercial Banks In The Period 2019-2024 Tamami, Tamami; Muhsin, Moh.; Fatoni, Ahmad
JURNAL EKONOMI SYARIAH Vol 10, No 1 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i1.14971

Abstract

Introduction to The Problem: This study was conducted due to the gap in the theory of the financial ratios CAR, NPF, MSME Financing, non-MSMEs, and economic growth towards Return on Assets (ROA) at Islamic Commercial Banks in Indonesia. On the other hand, the development of bank ROA in the era of globalization and technology stagnation at 2% is lagging when compared to conventional banks with higher profitability. Whereas the majority are Muslim which can drive profits from users of Islamic Commercial Bank services. So this study needs to analyze each relationship between variables and the profitability of Islamic banks.Purpose/Objective Study: To see whether CAR, NPF, MSME Financing, Non-MSME Financing, and economic growth affect profitability partially and simultaneously.Design/Methodology/Approach: This study uses a quantitative approach through time series regression analysis and error correction model (ECM) testing using the Eviews 12.0 computer program.Findings: In the long run, MSME financing and economic growth have a positive effect on ROA. While in the short run, CAR, NPF, MSME financing and economic growth have a positive impact on ROA.Paper Type: Research Article
The Effectiveness of The Fundraising Strategy for ZIS (Zakat, Infaq, and Sadaqah) Through Fintech Payment at BAZNAS (The Amil Zakat National Agency) of The Special Region of Yogyakarta Nurhardiansyah, Achmad; Adha, Mufti Alam; Wahyudi, Rofiul
JURNAL EKONOMI SYARIAH Vol 10, No 1 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i1.11814

Abstract

Introduction to The Problem: Effectiveness is the success of the institution in determining the failure of the organization to its objectives. This research is a field research with a descriptive qualitative approach. The object of this research is the effectiveness of fund-raising strategies through fintech. The data collection techniques performed by researchers are observations, structured interviews, documentation and triangulation. The results of this research are known ZIS payments through fintech in 2020 to 2022 experienced a significant increase, in 2020 reached 26.7% and in 2021 reached 34.5% and in 2022 collection through fintech 37.9% so that it can be concluded that ZIS payment through Fintech effectively implemented.Purpose: The aim of this research is to find out the effectiveness of ZIS fund-raising strategies through the use of fintech technology in BAZNAS in Yogyakarta Special District.Design/methodology/approach: This research is a field research with a descriptive qualitative approach. The object of this research is the effectiveness of fund-raising strategies through fintech. The data collection techniques performed by researchers are observations, structured interviews, documentation and triangulation.Findings: The results of this research are known ZIS payments through fintech in 2020 to 2022 experienced a significant increase, in 2020 reached 26.7% and in 2021 reached 34.5% and in 2022 collection through fintech 37.9% so that it can be concluded that ZIS payment through Fintech effectively implemented.Research Implication: The use of digital technology over financial technology can have a significant impact in terms of fund-raising because fintech provides transaction ease, transaction speed and transaction security.Originality/value: This research contributes to maximizing the use of digital technology in the financial sector specifically in the ZIS launched by BAZNAS. This research aims to examine how effective the use of financial technology is to collect zakat funds from muzakki. The use of data collection techniques through interviews provides a clearer and more real picture. This research is very important for the BAZNAS institution to increase the collection of zakat funds from muzakki and maximize zakat funds for mustahik.Reseacrh Type: Research Article
Islamic Cooperatives: A Review of the Theory of Truth in Islamic Economic Philosophy Nasrulloh, Agus Ahmad; Syarif, Nurrohman; Ridwan, Ahmad Hasan
JURNAL EKONOMI SYARIAH Vol 10, No 1 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i1.14262

Abstract

Introduction to The Problem: Islamic cooperatives have an important role in the national economy, especially for business actors in the Micro, Small and Medium Enterprises sector. However, currently the function and role of this financial institution cannot run optimally because it is faced with problems originating from internal and external Islamic cooperatives. This is allegedly contrary to the theory of truth in Islamic philosophy.Purpose/Objective Study: This research aims to examine and analyse the role and function of Islamic cooperatives in terms of the theory of truth in Islamic philosophy.Design/Methodology/Approach: This research is a type of qualitative research in the form of library research which is qualitative in nature.Findings: Islamic cooperatives have a strategic role in supporting the development of MSMEs, with approaches that are aligned with theories of truth, such as correspondence theory that emphasises conformity with reality, coherence theory that prioritises consistency in value systems, pragmatism theory that focuses on practical benefits, and performative theory that assesses the effectiveness of actions in achieving goals. The low level of Islamic financial literacy among MSME players, which often hinders their understanding of the benefits of Islamic financing. In addition, intense business competition in the market is also a significant obstacle that requires a special strategy. By overcoming these obstacles, Islamic cooperatives can further strengthen their function as a key pillar in supporting the sustainable growth of MSMEs.Paper Type: Research Article
LAZ Sidogiri and Social Transformation Towards Economic Empowerment of Banyuwangi Community Based on Islamic Values Fathoni, Sufyan
JURNAL EKONOMI SYARIAH Vol 10, No 1 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i1.15171

Abstract

AbstractIntroduction to The Problem: Empowerment of the community economy based on Islamic values is a strategic issue in social development in Indonesia, especially amidst increasing economic inequality and the challenges of globalization. The Sidogiri Zakat Institution (LAZ), affiliated with Islamic boarding schools, plays an important role in addressing this issue through a structured Islamic philanthropic approach.Purpose/Objective Study: This study aims to analyze the strategy of the Sidogiri Zakat Institution (LAZ) in implementing Islamic values in the community economic empowerment program and its impact on social transformation.Design/Methodology/Approach: Using a descriptive qualitative approach, data were collected through interviews, observations, and documentation.Findings: The results of the study indicate that LAZ Sidogiri implements two forms of fund distribution, namely consumptive and productive, with the support of programs such as caring for education, health, the environment, the economy, and needs-based social programs. Although various programs have been implemented in a structured manner, their implementation still faces a number of challenges, including limited professional human resources, a weak monitoring system, and negative perceptions from the community. The positive impact of the LAZ Sidogiri economic empowerment program is seen in increasing community access to capital assistance and business training, although the scope is still limited. This study concludes that strengthening socialization strategies, improving the quality of human resources, and institutional transparency are essential in order to expand the impact of the program and ensure the sustainability of social transformation based on Islamic values.Paper Type: Research Article
The Effect of Good Corporate Governance and Company Size on The Profitability of Islamic Insurance Companies in Malaysia Nabihah, Rifdah; Nasution, Zubaidah; Setiawan, Surya
JURNAL EKONOMI SYARIAH Vol 8, No 1 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i1.6910

Abstract

Introduction to The Problem: The development of Malaysia's financial industry continues to accelerate but it does not rule out the possibility that there are still frequent irregularities in corporate governance.Purpose/Objective Study: The purpose of this research is to analyze the effect of Good Corporate Governance and Firm to Profitability of Sharia Insurance in Malaysia. Design/Methodology/Approach: This research uses a quantitative approach using secondary data. The population of this study is Takaful companies in Malaysia with a research period of 2016-2021. The sampling technique used purposive sampling method. Samples that met the criteria were 10 Takaful companies in Malaysia out of a total of 10 Takaful companies in Malaysia. The model used as an analysis tool is multiple linear regression. Data processing in this study uses the SPSS 25 tool. Findings: The results of this study indicate that simultaneously the variables of the Board of Commissioners, Sharia Committee, and Company Size have a positive and significant effect on Profitability which is proxied by Return On Assets of Islamic Insurance Companies in Malaysia, while partially the Board Commissioner has a positive and insignificant effect, Sharia Committee has a negative and not significant effect, and Company Size has a positive and significant effect on the profitability of Islamic insurance companies in Malaysia.Paper Type: Research Article 
Sharia Commercial Bank Financial Distress Prediction Through Financial Liquidity Ratio Farohah, Anissa Nurul; Dahruji, Dahruji Dahruji
JURNAL EKONOMI SYARIAH Vol 8, No 1 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i1.6917

Abstract

Introduction to the Problem: It is rarely found that liquidity ratio (Cash Ratio, Quick Ratio, and Current Ratio) are used as variable possible financial distress at the Sharia General Bank in Indonesia.Purpose/Objective Study: The existence this study is aimed at predicting possibility of financial distress dominated by several liquidity ratios (Cash Ratio, Quick Ratio, and Current Ratio) at the Sharia General Bank in Indonesia. Researchers used logistics regression analysis research methodology.Findings: Total of 12 Sharia General Bank registered with Bank Indonesia and Financial Services Authority in period of 2018 the first quarter to 2021 the fourth quarter used as a research sample. The results were shown that Cash Ratio, Quick Ratio, and Current Ratio had no negative effect in financial distress.
Accelerated Digital Transformation : Fintech and E-Commerce as a Positive Impact of the Covid-19 Pandemic Susilawati, Cucu
JURNAL EKONOMI SYARIAH Vol 8, No 1 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i1.6432

Abstract

Introduction to The Problem: In 2016-2017 the fintech model in Indonesia was usually in the form of a payment system or online loan service. However, in 2019-2020 the fintech business model had 23 services. After the pandemic in Indonesia in 2020, fintech services continued to overgrow. Purpose: This study aims to explain the positive that the use of fintech has increased dramatically compared to previous years, and one of them is caused by the co-19 pandemic.Methodology: This type of research is qualitative and descriptive, and data collection methods are done with library research.Findings: This study shows that the Covid-19 pandemic made fintech and e-commerce experience a significant increase because these two products accelerate quickly. The use of fintech by both producers and consumers has at least helped people survive the pandemic. Likewise, with e-commerce, people can still meet all their living needs, especially clothing and food. The acceleration of digital transformation in Indonesia predicts that Indonesia will dominate the ASEAN internet economy in 2025.Paper Type: Research Articl
The Effect Of Halal Labels On Purchasing Decision Of Halal Cosmetic Products With Interest As Intervening Variable Najmudin, Najmudin; Ridwan, Iwan; Jakaria, Jakaria; Maisaroh, Ima; Sujanah, Nanah
JURNAL EKONOMI SYARIAH Vol 8, No 1 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i1.6581

Abstract

Introduction to The Problem: Most of Indonesia's population is Muslim, the number reaches 86.9% or 237.53 million people, among their needs, especially Muslim women, is cosmetics, the data shows that there is a very high gap between the number of halal cosmetic products and non-halal cosmetics circulating in the market, so not a few Muslim women who purchase non-halal cosmetics. Purpose/Objective Study: This study aims to determine (1) the effect of halal labels on purchasing decisions for halal cosmetic products (2) the influence of halal labels on interest in buying halal cosmetic products (3) the influence of buying interest on purchasing decisions for halal cosmetic products, and (4) the influence of halal labels on a decision to purchase halal cosmetic products through the mediation of buying interest. Design/Methodology/Approach: The method used in this research is descriptive quantitative, with a population of all students of the modern Islamic boarding school Assa'adah, Serang Regency, users of halal cosmetics, sampling technique using purposive sampling, and data collection techniques using questionnaires. The data was processed using Smart PLS 3.2.9 software and analyzed using the method of structural equation modeling (SEM) with partial least squares (PLS) approach. Findings: The results of this study indicate that(1) Halal labels have a positive effect on purchasing decisions for halal cosmetic products (2) Halal labels have a positive effect on interest in buying halal cosmetic products (3) Purchase intentions have a positive effect on purchasing decisions for halal cosmetic products, and (4) Halal labels have a positive effect on decisions purchase of halal cosmetic products through the mediation of buying interest.Paper Type: Research Article
Financial Attitude and Spiritual Intelligence as Predictors of Financial Management Behavior in LAZISMU Employees Muhammadiyah Center Amri, Andi; Gultom, Mitra Sami
JURNAL EKONOMI SYARIAH Vol 8, No 1 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i1.6694

Abstract

Introduction to The Problem: Indonesian people have a low level of financial management, because in general they have not been able to place which ones are needs and which ones are desires.Purpose/Objective Study: This study aims to see the influence of financial attitude on financial management behavior in employees of LAZISMU Muhammadiyah Center and also the influence of spiritual intelligence on financial management behavior on employees of LAZISMU Employees Muhammadiyah Center.Design/Methodology/Approach: The type of research used is quantitative with a causality approach. The population in this study was all employees of LAZISMU Muhammadiyah Center, so that as many as 55 respondents were obtained after sampling with purposive sampling. Data analysis techniques use multiple linear regression.Findings: The results showed that Financial Attitude has a positive and significant effect on Financial Management Behavior and similarly Spiritual Intelligence also has a positive and significant effect on Financial Management Behavior. The results of this study on an R2 basis had a considerable influence, namely 70.6% while the remaining 29.4% of other factors outside this study.

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