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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 Contribution of Financial Literacy on Decision in Sharia Stock Investment Profit Anywhere Platform: SEM-PLS Analysis Akbar, Tubagus
JURNAL EKONOMI SYARIAH Vol 10, No 2 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i2.16817

Abstract

Introduction to The Problem: Islamic stock investments have experienced significant growth in line with the development of digital platforms such as Profits Anywhere. However, rational investment decisions are still influenced by the level of financial literacy among investors.Purpose: This study aims to analyze the effect of financial literacy on Islamic stock investment decisions using the Profits Anywhere platform.Methodology: The method used was quantitative with a Partial Least Square-Structural Equation Modeling (PLS-SEM) approach. The respondents in this study were 149 Islamic economics students from STAI Pelita Nusa who were selected randomly.Findings: The results show that the indicators have good convergent validity with outer loadings above 0.70 and AVE above 0.5. The reliability test shows strong internal consistency. The research model has an R-square of 0.412 and an F-square of 0.256, indicating a significant effect of financial literacy on Islamic stock investment decisions. Hypothesis testing yielded a p-value of 0.002 and a t-statistic of 4.734, proving that financial literacy has a positive effect on investment decisions in Islamic STOCK. The implications of this study underscore the importance of improving technology-based financial literacy and education on the Profits Anywhere platform.Paper Type: Research Article
Islamic Microfinance Innovation: BMT Strategies for Enhancing Financial Inclusion and Economic Empowerment Affandi, Ahmad Zulkifli; Syatar, Abdul; Sapa, Nasrullah Bin
JURNAL EKONOMI SYARIAH Vol 10, No 2 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i2.15881

Abstract

Baitul Mal wa Tamwil (BMT), as an Islamic microfinance institution, plays a pivotal role in providing fair and inclusive financial access to micro, small, and medium enterprises (MSMEs) in Indonesia. This study aims to comprehensively analyze the functions, product variations, and socio-economic roles of BMT, while also identifying the opportunities and challenges for BMT development in the modern era. Employing a qualitative descriptive approach through literature review, this research examines various sources related to Islamic microfinance and BMT. The analysis reveals that BMT not only serves as a provider of Sharia-compliant financing and manager of religious social funds, but also acts as an agent of community economic empowerment. In the digital era, BMT has significant opportunities to expand its services through product innovation and technology integration; however, it also faces challenges such as limited human resources, the need for stronger governance, and adaptation to evolving regulations and technologies. These findings highlight the importance of enhancing institutional capacity, strengthening Sharia financial literacy, and fostering collaboration with various stakeholders to optimize BMT’s role in supporting community economic empowerment and advancing sustainable Islamic financial inclusion.
The Influence of Perceived Value and Quality on Tourist Loyalty in Sharia Tourism with Satisfaction Mediation Melani, Meisy
JURNAL EKONOMI SYARIAH Vol 10, No 2 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i2.16882

Abstract

 This study aims to analyze the influence of perceived value and perceived quality on tourist loyalty, with tourist satisfaction as a mediating variable, at the Torang Sari Bulan sharia tourism destination in Lima Puluh Kota Regency. The phenomenon of declining tourist visits in recent years has created a need to evaluate tourists' perceptions of the value and quality of the destination, as well as their satisfaction. This study employs a quantitative approach using a survey method on 385 respondents who are tourists at Torang Sari Bulan. Data analysis was conducted using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) via the SmartPLS software. The results indicate that perceived value and perceived quality significantly influence tourist satisfaction, and tourist satisfaction positively influences tourist loyalty. Additionally, tourist satisfaction was found to be a significant mediator between perceived value and perceived quality on tourist loyalty. These findings reinforce the theoretical model stating that perceptions of value and quality will drive tourist loyalty when accompanied by high levels of satisfaction. Therefore, managers of Islamic tourism destinations are advised to continue improving perceptions of value and service quality, as well as paying attention to tourist satisfaction in every aspect of service delivery.
A Comparative Study of Financial Reporting: Assessing Performance and Compliance in Conventional and Islamic Entities Pratiwi, Nurul Asmi
JURNAL EKONOMI SYARIAH Vol 10, No 2 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i2.15626

Abstract

Introduction to The Problem: In an era where financial systems are not only judged by their numbers but also by their values, financial reporting remains fragmented—technically robust yet ethically hollow. Conventional financial statements emphasize profitability and efficiency, while Islamic financial reports aim to integrate moral accountability. However, the absence of a unified evaluative model that embraces both operational soundness and ethical compliance leaves stakeholders with an incomplete picture.Purpose/Objective Study: This study seeks to bridge that gap by presenting a comparative analysis of financial reporting practices in conventional and Islamic entities, focusing on how performance and compliance are reflected, interpreted, and disclosed within each system.Design/Methodology/Approach: Employing a qualitative-descriptive approach, the study analyzes financial reports of representative Indonesian banks—one conventional and one Sharia-compliant. A three-phase methodology is applied: document analysis, comparative matrix construction, and interpretive synthesis. The study benchmarks both performance metrics (liquidity, solvency, profitability) and compliance elements (ethical disclosure, Sharia conformity) using global and Islamic accounting standards.Findings: Findings reveal fundamental philosophical divergences. Conventional reports center on shareholder value, while Islamic reports embody dual accountability—both financial and spiritual. Key distinctions include additional disclosures such as zakat and qardhul hasan, the use of Unrestricted Investment Accounts (URIA), and oversight by Sharia Supervisory Boards. Although conventional banks exhibit stronger profitability, Islamic banks demonstrate higher ethical transparency and resilience. The study proposes an integrative evaluative framework, enabling stakeholders to assess financial health alongside social and spiritual integrity.Paper Type: Research Article
The Impact Of BPRS Financing on The MSMEs Output Value: Panel Data Analysis Period 2017-2024 Huzaifa, Hafiz
JURNAL EKONOMI SYARIAH Vol 10, No 2 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i2.17054

Abstract

Introduction to The Problem: Micro, Small, and Medium Enterprises (MSMEs) are vital to the Indonesian economy, yet they face significant challenges, primarily constrained financing, with only about IDR 700 trillion of the IDR 1,700 trillion annual capital needs being met by existing financial institutions. Furthermore, a large percentage of MSMEs do not utilize bank loans or are unaware of the procedures, while those who do often perceive high interest rates as burdensome. Sharia Rural Banks (BPRS) have shown a favorable trend in finance growth, offering sharia-aligned inclusive financing. However, most prior research concentrates on financing from Islamic banks or is geographically confined, with deficiencies in correlating specific BPRS funding types with MSME output value across Indonesia.Purpose/Objective Study: This study seeks to investigate the impact of BPRS financing, specifically categorized as working capital financing, investment financing, and financing for MSMEs, on the output value of MSMEs across province in Indonesia.Design/Methodology/Approach: This explanatory research employed a quantitative approach using panel data from 22 provinces in Indonesia over the 2017-2024 period. The study utilized secondary data and the Resource-Based View Theory as a framework. The Fixed Effect Model (FEM) was selected as the most appropriate estimation method based on the Chow and Hausman tests.Findings: The analysis indicates that BPRS financing simultaneously has a positive and significant effect on MSME output value. Thus, working capital financing and financing for MSMEs has an insignificant positive impact. Conversely, investment financing shows an insignificant negative effect. The insignificant results are attributed to factors such as low Islamic financial literacy and inclusion, behavioral biases, high NPF ratios in investment, and BPRS's inefficient intermediation due to a lack of non-financial support like training and mentoring.

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