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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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Analysis of Difference of Knowledge, Perceptions, and Willingness to Adopt Islamic Banking Services (a case study in FEBI IAIN Gorontalo) Fadhilah, Nurul; Nur, Rahmawati; Sintiawati, Rini
JURNAL EKONOMI SYARIAH Vol 9, No 1 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i1.10581

Abstract

Introduction to the problem: Gorontalo is a Muslim-majority province. However, the growth of Islamic banking is not so significant compared to the number of potential customers. This is due to the lack of understanding of Islamic banking product and service.Purpose/Objective of the study: This research attempted to identify the role of universities in shaping knowledge, perceptions, and willingness to use Islamic bank products and services. Design/Methodology: This research was conducted at FEBI IAIN Sultan Amai Gorontalo. Questionnaire are distributed to identify the knowledge, perceptions, and the willingness to adopt Islamic banking product and services. The samples are divided into two groups of students. Group A are the 1st and 2nd year students, Group B are 3rd and 4th year students based on the completion of the Islamic banking courses. Findings: This study identified that there is no difference between the first and second-year student groups, with the third- and fourth-year students of the level of knowledge, perception, and willingness to adopt Islamic banks. However, the results show the role of the university in providing the student awareness in Islamic banking through the knowledge, perspectives, and the willingness to use Islamic banking. In addition, several recommendations are assisted to intensify the role universities to support the industry.
The Transformation of Halal Certification Regulations in Indonesia Ibrahim, Muhammad Yusuf; Fauzi, Unang; Fadillah, Nurul; Satifa, Siti Annisa
JURNAL EKONOMI SYARIAH Vol 8, No 2 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i2.8463

Abstract

Introduction to The Problem: Prior to the formation of BPJPH, LPPOM-MUI had a central role in supervising and providing halal certification. However, as time goes by, demands for halal certification regulations are increasingly complex and dynamic. Therefore, the government established BPJPH as the new authority responsible for the regulation of halal certification.Purpose/Objective Study: This study aims to investigate and analyze the development of halal regulations in Indonesia from the establishment of LPPOM-MUI to the formation of BPJPH. The focus of this research is to understand policy changes, the transition process, and the impact of this transition on halal certification in Indonesia.Design/Methodology/Approach: This study uses descriptive analysis methods and historical approaches to trace the development of halal regulations in Indonesia. The data was obtained through a review of official documents, policies, regulations, and related literature.Findings: The results of this study reveal a significant evolution in halal regulations in Indonesia. Initially, the LPPOM-MUI was responsible for halal certification, but later, the Indonesian government established BPJPH as an autonomous body tasked with managing the halal product assurance system. This transition has an impact on various aspects, including the process of certification, accreditation, and supervision.
Strategy for Facing the Risk of Problematic Financing in iB Barokah KPR Financing Products (Study of Bank Jatim Syariah Jombang Sub-Branch) Wahyuni, Hana; Nasrulloh, Nasrulloh
JURNAL EKONOMI SYARIAH Vol 9, No 1 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i1.8742

Abstract

Introduction to The Problem: The need for housing is high but there are still many obstacles in fulfilling it. So banking institutions are present as intermediation institutions by offering mortgage financing products. Due to the large number of applications for financing, problems often arise.Purpose/Objective Study: This research aims to determine the factors that cause financing problems in the iB Barokah KPR product at Bank Jatim Syariah Jombang Sub-Branch.Design/Methodology/Approach: The research method used is a qualitative descriptive research method. Data collection techniques come from interviews and observations.Findings: The results of this research show that the factors that cause financing problems with the iB Barokah KPR product are caused by external factors (the customer's side) whether caused by intentional or unintentional elements, such as customers affected by natural disasters, the Covid-19 pandemic, and bad customer character. The strategy used to deal with the risk of problematic financing goes through three stages. First, the stage of anticipating problematic financing by conducting a 5C analysis and a psychological approach. Second, the rescue stage user restructuring. Third, the settlement stage is through non-litigation, litigation.
The Influence of Sharia Marketing and Religiosity on Transaction Decisions in Islamic Financial Institutions with Interest as a Mediation Variable Astutiningsih, Sri Eka; Estiningrum, Sri Dwi; Aisah, Siti
JURNAL EKONOMI SYARIAH Vol 8, No 2 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i2.7912

Abstract

Introduction to The Problem: Islamic financial institutions in Indonesia are growing rapidly. The development of Islamic financial institutions has attracted the attention of the public, both students and those who are already working.Purpose/Objective Study: This study aims to determine the influence of sharia marketing and religiosity on transaction decisions in Islamic financial institutions, with interest as a mediation variable.Design/Methodology/Approach: This research is a quantitative study and the sample in this study was 70 respondents. The data collection techniques using questionnaires with a Likert scale. The data analysis technique used is mediation analysis using the smart-PLS application.Findings: Based on the analysis test conducted, it shows that there is a direct influence between sharia marketing variables and interest variables; interest variables and religiosity variables affect transaction decision variables. The results of the religiosity variable test did not affect interest directly, and the sharia marketing variable did not affect the transaction decision variable directly. Based on the results of the mediation test, there is an indirect influence between sharia marketing variables on transaction decisions with interest as mediation variable. In contrast to the mediation results of the variable religiosity on transaction decisions with interest as a mediating variable, which show no indirect influence. The conclusion is there is full mediation where the interest variable is able to mediate sharia marketing variable on transaction decisions variable, and the interest variable cannot mediate the effect of religiosity on transaction decisions variable.
Digital Fundraising Zakat: A Study on the Impact of Social Media Marketing and Crowdfunding Rohman, Hilma Fanniar; Amrullah, Amrullah; Ridha, Muhammad
JURNAL EKONOMI SYARIAH Vol 9, No 1 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i1.10670

Abstract

Introduction to The Problem: Zakat is an obligation for a Muslim or a body that has met the requirements (Nisab and haul). Islam obliges to pay it to amil zakat institutions. The potential of a large Muslim population in Indonesia is directly proportional to the existing potential. However, the national zakat revenue is not proportional to the existing potential. the development of technology is accelerating and we are entering the digital era. causing Digital Fundraising Zakat to have an important role in the developments that occur in the dynamics of Zakat Fund Raising. Social Media Marketing and Crowdfunding Platform have an important role in Digital Fundraising Zakat.Purpose/Objective Study: This study aims to analyze Social Media Marketing and crowdfunding Platforms on the Decision to pay zakat in Ciamis Regency.Design/Methodology/Approach: The population of this research is all Muzakki in Ciamis Regency, while the sample is all Muzakki managers in Ciamis Regency who are under the auspices of Lembaga Amil Zakat Infaq Shadaqah Muhammadiyah Ciamis. Data was collected through questionnaire instruments and analyzed using descriptive statistical analysis techniques and Structural Equation Model (SEM) analysis.Findings: Based on the results of data analysis, social media marketing, and crowdfunding platforms are proven to have a significant and positive influence on people's decision to give zakat. This research has shown that the strategy of zakat institutions that utilize digital technology influences optimizing zakat collection.Paper Type: Research Article
Working Capital and Investment Financing in the MSME Sector: Impact on the Profitability of Islamic Commercial Banks in Indonesia Yaman, Afdhal; Hamizar, Arizal
JURNAL EKONOMI SYARIAH Vol 8, No 2 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i2.8094

Abstract

Introduction to The Problem: MSMEs face several conservative challenges, such as financing constraints. This opportunity can be the primary concern of how working capital financing and investment financing in the MSME sector benefit Islamic Commercial Banks.Purpose/Objective Study: This study examines the impact of working capital and investment financing in the MSME sector on Islamic Commercial Banks' profitability in Indonesia.Design/Methodology/Approach: The quantitative research method uses the EViews 10 application. The data used in this study is data on Islamic Commercial Banks in Indonesia from June 2014 - February 2023. Observations were made on 105 time series data observations.Findings: Working capital financing in the MSME sector does not significantly impact the profitability of Islamic Commercial Banks in Indonesia. However, investment financing for the MSME sector has a positive and significant impact on the profitability of Islamic Commercial Banks in Indonesia at a significance level of 1%. Thus, the more investment financing provided to the MSME sector, the higher the profitability level of Islamic Commercial Banks. Therefore, Islamic Commercial Banks in Indonesia should be more focused on providing investment financing to the MSME sector to increase the profitability and growth of Islamic Commercial Banks in Indonesia.Paper Type: Research Article
The Domino Effect of Increasing the Cost Of Hajj in Islamic Economic Perspective Sholatiah, Sholatiah
JURNAL EKONOMI SYARIAH Vol 9, No 1 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i1.10005

Abstract

Introduction to The Problem: The government has announced that there will be an increase in the cost of Hajj for departure in 2024 or 1445 H. Meanwhile, going on Hajj is the dream of every Muslim in the world. The cost of performing Hajj can be an economic burden for many people who wish to fulfill this last pillar of Islam. So the phenomenon of rising Hajj costs has become an increasingly fundamental and urgent issue as it creates significant challenges in Islamic economics.Purpose/Objective Study: The purpose of this study is to analyze the domino effect of the increase in the cost of the Hajj pilgrimage from an Islamic economic perspective.Design/Methodology/Approach: This research uses a literature study method with a qualitative approach. Data collection techniques are sourced from online news such as information from the Ministry of Religion to get the latest news related to the increase in BPIH fees and using secondary data obtained from websites, scientific articles, books and other reliable sources. Then the data is analyzed in accordance with the discussion related to the impact of the increase in the cost of Hajj using the theory of Islamic economic principles.Findings: The results of the study found several impacts due to the increase in the cost of Hajj, both direct and indirect impacts, namely: it can cause financial difficulties for prospective pilgrims, dissatisfaction among the public that can trigger negative reactions against the government or institutions responsible for the policy, will experience a reduction in the social and economic funds they have accumulated, raising questions about the government's responsibility in ensuring the accessibility of Hajj for all citizens. The hike in Hajj fees also highlights the importance of Islamic economic education and public awareness of Islamic economic principles involving justice, brotherhood, and solidarity.
The Role of Green Sukuk for Sustainable National Development: Peran Green Sukuk terhadap Pembangunan Nasional yang Berkelanjutan Hiljannah, Zalfa Zahirah; Desfiansyah, Fadlan; Putra, Anggi Tryfinza; Sarjono, Oka Raditya
JURNAL EKONOMI SYARIAH Vol 8, No 2 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i2.7577

Abstract

In this increasingly advanced era, sukuk has experienced more innovative developments with the emergence of interesting ideas in the form of green sukuk or green bonds. The issue of sustainability is being discussed more frequently due to its positive impact on the environment and future livelihoods. However, there are still individuals who are not fully aware of the importance of this concept, which can pose a serious threat to future survival. Therefore, the momentum of the sustainability movement should receive attention from the entire society, gradually understanding and implementing the concept of "sustainability" in every development action, both in environmental and social contexts. Thus, green sukuk instruments provide various benefits, including contributing to environmental preservation and indirectly involving the community in active and tangible national development. The objective of this research is to determine the extent of the role of green sukuk in sustainable national development. This research utilizes a descriptive qualitative approach to analyze relevant literature data. The data sources that will be used include various academic literature, reports from relevant financial institutions and government agencies, as well as related publications from international organizations. Data analysis is conducted by identifying and analyzing the main themes that emerge from the relevant literature. Green Sukuk is an Islamic bond instrument that combines Sharia principles with green projects to finance efforts in climate change mitigation, climate adaptation, and biodiversity conservation. The issuance of Green Sukuk involves an issuer who issues debt certificates to investors, with the funds obtained specifically allocated to projects that meet green criteria. The funded projects encompass renewable energy sectors, energy efficiency, sustainable transportation, waste management, reforestation, as well as climate change mitigation and environmental conservation efforts. Green Sukuk offers benefits to the issuer in terms of obtaining funds from investors interested in sustainable investments, while investors can invest in projects that have a positive impact on the environment and society. The Indonesian government has supported the development of Green Sukuk as part of their commitment to sustainable development, attracting high interest from both domestic and international investors.
The Influence of ZIS, Poverty, Education, and Unemployment on the Indonesian Human Development Index (2019-2021) Habibi, Faisol; Febrianti, Lutfia Adha
JURNAL EKONOMI SYARIAH Vol 9, No 1 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i1.10590

Abstract

AbstractIntroduction to The Problem: The Human Development Index is an important indicator that can measure and describe the quality of life of Indonesian people. In improving the quality of life, Islam has a philanthropic instrument, namely ZIS, to help improve people's lives.Purpose/Objective Study: The aim of this research is to analyze four factors that can influence the human development index (HDI) in Indonesia, namely ZIS (zakat, Infaq, Sadaqoh), Poverty, Education, and Unemployment.Design/Methodology/Approach: The approach used in this research is a quantitative approach. Statistical data analysis using Stata with panel data regression analysis methodFindings: The research results found that partially the ZIS variable, poverty and education variables had a significant effect on the human development index in Indonesia in 2019-2021, while the unemployment variable had an insignificant effect on the human development index in Indonesia in 2019-2021. influence on the human development index in Indonesia in 2019-2021. Meanwhile, the results simultaneously show that the variables ZIS, poverty, education and unemployment have a significant effect on the human development index in Indonesia in 2019-2021.Paper Type: Research Article 
ANALYSIS OF SHARIA MARKETING MIX AND SERVICE QUALITY TOWARDS CUSTOMER SATISFACTION AT GRESIK VIVI DRINKING WATER REFILLING STATION Malik, Ahmad Dahlan
JURNAL EKONOMI SYARIAH Vol 8, No 2 (2023): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v8i2.8740

Abstract

This research is conducted to help customers in delivering the complaints in the form of product quality and the way of providing services of the subject research and the improvement of it using sharia marketing mix perspectives and service quality. This research is a quantitative study using the Partial Least Squares (PLS) method. The data collection method comes from primary data of distributing questionnaires to 126 respondents of Gresik Vivi Drinking Water Refilling Station customers. The results of this study indicate that product quality (X1), Price (X2) and Promotion (X4) have no significant effect on customer satisfaction (Y) and in the other words those variables need to be high concern of the owner of business to handle the improvement or handling the customer complaints. Meanwhile, the location (X3) and the service quality (X5) have a significant effect. This is indicated that those variables are more suitable for the customer satisfaction and need to be maintained by the owner in developing the business. 

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