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JES (Jurnal Ekonomi Syariah
Published by Universitas Islam Lamongan
ISSN : 25285610     EISSN : 25410431     DOI : http://dx.doi.org/10.30736/jes.v7i2
Core Subject : Economy,
Economics, Econometrics & Finance
The subject covers textual and fieldwork studies with various perspectives of Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic economic thoughts, Islamic human resource management, Islamic microfinance, Islamic development economics, Islamic monetary economics, Islamic fiscal economics, Islamic capital market.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 161 Documents
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Penguatan Ekonomi Umat Berbasis Pesantren Melalui OPOP dengan Pentahelix Model: (Studi Kasus pada Pesantren Tarbiyatut Tholabah dan Pesantren Sunan Drajat Lamongan) Rif’ah, Sifwatir; Widyawati, Widuri; Aditya, Wahyu Faizal
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 1 (2025): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i1.939

Abstract

Pesantren has a role as an agent of change for the people who are able to increase independence. The pesantren economic empowerment program is a flagship program of the government, especially the East Java Provincial Government through the One Pesantren One Product (OPOP) Program. The purpose of this study is to see the form of Entrepreneurship in PP Pesantren Tarbiyatut Tholabah and PP Sunan Drajat, as well as the role of OPOP in developing the economy of Islamic boarding schools using the pentahelix model approach. The research method is to use qualitative with a case study approach and the type is Field Research. And the data uses primary and secondary data through interviews, observations and library studies which are then analyzed descriptively. The results of this study indicate that the synergy of the pentahelix can produce several innovations that can help the economic independence of Islamic boarding schools such as the OPOP Mart Application, Grab OPOP Mart, OPOP Expo and Santri Digipreneur. This provides considerable benefits for the economic independence of Islamic boarding schools in East Java, especially in the Tarbiyatut Tholabah Islamic boarding school and the Sunan Drajat Islamic boarding school.
Penerapan Prinsip Keuangan Berbasis Al-Qur’an dalam Optimalisasi Fintech Syariah di Indonesia Gazali, Hidayatul Azizah; Fahmi, A. Syaiful; Auliya, Sefri
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 1 (2025): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i1.1073

Abstract

The rapid development of digital financial technology (Fintech) in Indonesia has created significant opportunities to expand financial inclusion. However, it also presents challenges in ensuring that these services align with Sharia principles. The persistent challenges faced by Sharia Fintech in Indonesia, which may hinder the smooth operation of Sharia-compliant financial services, constitute one of the urgencies of this research. Sharia Fintech, as an alternative solution, requires a more structured implementation of financial principles based on the Qur’an to provide optimal benefits while adhering to Islamic values. This study aims to analyze how the application of financial principles based on the Qur’an can optimize Sharia Fintech in Indonesia. This research is categorized as a literature study with a qualitative approach. The data analysis method applied is content analysis. The findings of this study emphasize that the Qur'an serves as the primary foundation in establishing an Islamic financial system that prioritizes transparency, accountability, and security in financial transactions. These Qur'anic principles of finance can be optimized in the practice of Islamic fintech, serving as a means to strengthen public trust. Although Islamic fintech faces several challenges, the implementation of Qur'an-based strategies can be the key to fostering the optimal development of Islamic fintech in Indonesia.
Inovasi Pemasaran Syariah: Strategi Diferensiasi dan Positioning dalam Siklus Daur Hidup Produk Syahraeni, Syahraeni; Kirana, Ayu Puspa; Sabbar, Sabbar Dahham; Farida, Ida
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 1 (2025): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i1.1092

Abstract

This study aims to examine Islamic marketing innovation through the integration of differentiation and positioning strategies at each stage of the product life cycle, from introduction to decline. The increasing consumer awareness of quality halal products, coupled with government policies promoting the halal ecosystem, makes the application of Islamic principles in marketing more relevant. The focus of this research is to develop an integrated Islamic marketing approach that combines Islamic principles with marketing strategies to enhance the competitiveness of halal products in both domestic and international markets. The study employs a qualitative method with a literature review. Data collection is carried out through the identification, review, and analysis of literature such as books, articles, and other relevant sources to strengthen findings and provide a comprehensive understanding of Islamic marketing innovation in differentiation strategies, positioning, and product life cycles. The findings indicate that integrating Islamic principles into differentiation and positioning strategies creates sustainable competitive advantages. Islamic-based marketing enhances product quality and brand image, while managing the product life cycle in accordance with Islamic principles ensures relevance and competitiveness in the market. Modifying products, pricing, packaging, and services based on Islamic principles ensures social and economic sustainability.
Pengaruh Kinerja Keuangan Terhadap Nilai Perusahaan dengan Kebijakan Dividen sebagai Variabel Moderating pada Perusahaan Makanan dan Minuman yang Terdaftar pada Indeks Saham Syariah Indonesia Azizah, Jihan Nur; Lating, Ade Irma Suryani; Muflihin, Mohammad Dliyaul; Salsabila, Shofiyah Nugraha; Susanto, Febry Fabian
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 1 (2025): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i1.1106

Abstract

This study aims to analyze the effect of financial performance on firm value in the food and beverage sector listed on the Sharia Stock Index (ISSI) with dividend policy as a moderating variable. This study uses a quantitative approach with secondary data from 35 companies for the 2019-2021 period obtained from the Indonesia Stock Exchange (IDX) website. The variables studied include current ratio, return on assets, total asset turnover, and debt to equity ratio. The data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results showed that the current ratio has no significant effect on firm value. Return on assets has a positive and significant effect on firm value. Total asset turnover has a negative and significant effect on firm value. Debt to equity ratio has a positive and significant effect on firm value. Dividend policy is able to moderate the effect of liquidity on firm value, and is able to moderate the effect of return on assets, total asset turnover, and debt to equity ratio on firm value.
Analisis Pengaruh Investasi Energi Bersih dan Indeks Pembangunan Manusia Terhadap Pertumbuhan Ekonomi Berkelanjutan di Negara-Negara ASEAN Periode 2014-2023 dalam Perspektif Ekonomi Islam Khasanah, Uswatun; Pratomo, Dimas; Supriyaningsih, Okta
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 1 (2025): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i1.1107

Abstract

With increasing attention to environmental and sustainability issues, investment in clean energy is crucial to drive economic growth that is not only efficient but also sustainable. In addition, human development index (HDI) as an indicator of people's quality of life also plays an important role in influencing economic growth. This study aims to analyze the effect of clean energy investment and human development index on sustainable economic growth in ASEAN countries from the perspective of Islamic economics in the period 2014-2023. The analysis method used is VAR and VECM analysis. The results showed that sustainable economic growth and clean energy investment did not have a causal relationship but in the long-term VECM regression clean energy investment had a positive and significant effect on economic growth. While the human development index variable has a mutual effect with sustainable economic growth. The results of the causality test also show that clean energy investment has no causal relationship with the human development index.
Ekonomi Islam di Mata Intelektual Non-Muslim: Telaah atas Pemikiran John L. Esposito Ubaidillah, Ahmad; Ulum, Khozainul
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 1 (2025): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i1.1108

Abstract

This article aims to examine the Islamic economic thought of a non-Muslim intellectual, John L. Esposito. What are the themes of Islamic economics discussed by Esposito? Those are the questions that will be answered in this study. This research is a library research. In collecting data, the author utilizes secondary sources in the form of journals, books, dictionaries, magazines, and other sources. The analytical method used is hermeneutics, which is tasked with interpreting, explaining, interpreting, and translating Esposito's views on Islamic economics. The results of the study conclude that Esposito, as a non-Muslim intellectual, understands Islamic economics as part of the broader teachings of Islam, focusing on ethics, social justice, and distribution of wealth. This economic system, according to Esposito, is based on the principles of the Qur'an and Sunnah which aim to create social welfare through economic justice, prohibition of exploitation, and equality. He describes Islamic economics as a tool to achieve social harmony and shared prosperity. Thus, Islamic economics is seen as a means to achieve justice and shared prosperity in society.
Determinan Efisiensi Perbankan Syariah di Indonesia (Pendekatan Error Correction Model) Fathurrahman, Ayif; Wulandari, Agustina Ayu
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 1 (2025): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i1.1122

Abstract

This study aims to analyze the factors that affect the level of efficiency in Islamic Banks. The sample data used are all Islamic Commercial Banks in Indonesia from 2013 to 2019 with a total of 84 objects of observation. The dependent variables used in this study are Operational Costs to Operational Income (BOPO) and independent variables, namely Third-Party Funds (DPK), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Short Term Mismatch (STM), Inflation, and the BI Rate which is obtained from the monthly data reports for Islamic Commercial Banks published by the Financial Services Authority (OJK). The analysis method used is the Error Correction Model (ECM). Based on the results of the ECM analysis, it was found that in the short term DPK, CAR, and FDR had a negative and significant effect on BOPO. STM and inflation variables have a negative and insignificant effect on BOPO and the BI Rate variable has a positive and insignificant effect on BOPO. Meanwhile, in the long term DPK, CAR, FDR, STM, and BI Rate have a negative and significant effect on BOPO. Then for inflation has a positive and significant effect on BOPO.
Transformasi Perilaku Konsumtif di Era E-Commerce: Antara Kenyamanan Digital dan Tantangan Konsumsi Berlebihan Menurut Ekonomi Islam Khisan, Zariatul; Aqlani, Muhammad Indra Zul
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 1 (2025): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i1.1123

Abstract

The rapid growth of e-commerce in Indonesia offers convenience and broad access to digital shopping but also triggers excessive consumerism, which conflicts with Islamic economic principles. This study focuses on the transformation of consumer behavior in the e-commerce era from an Islamic perspective, emphasizing the need to shift from excessive consumption (israf) toward productive economic activities aligned with Sharia values. Using a qualitative approach, the research analyzes literature and case studies related to consumer behavior, digital financial innovations, and Sharia economic integration. Findings reveal that addressing overconsumption requires early Islamic financial education, strict Sharia-compliant regulations, and promotion of simple, production-based consumption patterns. Strengthening the role of Sharia micro, small, and medium enterprises (MSMEs), government incentives, and financial institutions’ support are crucial to fostering a balanced and sustainable economy. Additionally, controlling aggressive digital marketing and fostering collaboration between society and government are essential to build a healthy Sharia economic ecosystem. This holistic approach aims to create economic balance, social welfare, and blessings in accordance with Islamic teachings, helping consumers avoid debt and waste while encouraging productive contributions to society.
Transformasi Pola Keuangan Santri melalui Sistem Cashless di Pondok Pesantren Idrisiyyah Putri Tasikmalaya Sopiatunisa, Neneng; Budiono, Irfan; Gapur, Ega Abdul
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1155

Abstract

This study aims to examine the impact of implementing a non-cash transaction system using QRIS and the Digitren application at the Pondok Pesantren Idrisiyyah Putri Tasikmalaya on the financial behavior of santri. The focus of the research includes discipline in financial management, transparency of transactions, consumption patterns and spending habits, as well as santri's understanding of financial literacy from their own perspective. This research uses descriptive qualitative methods, with data collected through observation, interviews, and documentation. In-depth interviews were conducted with ten female santri, two pesantren financial staff, and one canteen manager. The sampling technique used purposive sampling. The results showed that the implementation of the cashless system succeeded in improving the efficiency of santri financial management, reducing the risk of losing cash, and limiting excessive consumption outside the pesantren environment. Despite facing challenges such as top-up queues and limited direct balance access for santri, the pesantren has implemented adaptive strategies, including extending top-up service hours and providing free cash exchange services. Significantly, this system has changed the pattern of managing santri pocket money to be more structured, helped control their consumptive behavior, and instilled the values of honesty and discipline in financial matters.
Praktik Pre-Order di E-Commerce Perspektif Akad Salam Nursari, Nina; Nasrudin, Nasrudin; Jubaedah, Dedah; Mustofa, Mustofa
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1157

Abstract

The development of digital technology has changed the pattern of economic transactions, including online buying and selling systems with pre-order schemes that are increasingly common. In the context of Islamic economics, the salam contract is a form of permissible sale and purchase with advance payment for goods delivered at a later date. This research aims to analyze the suitability of pre-order practices in online buying and selling with the principles of the salam contract in Islamic economics. This research employs a qualitative approach, utilizing a literature study method and descriptive analysis of primary and secondary sources, including DSN-MUI fatwas, and actual practices on e-commerce platforms. The results show that although there are similarities between the salam contract and the pre-order system, actual practices often deviate from the shar'i requirements, especially regarding the specifications of the goods, the certainty of delivery time, and the risk of gharar. This research offers the novelty of formulating shariah-compliant indicators for pre-order transactions based on salam contract. The main contribution of this research lies in developing an online transaction model that is more in line with maqashid sharia, as well as providing a reference for e-commerce players, regulators, and academics in realizing halal and fair digital transactions.

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