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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 163 Documents
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Transaksi Cryptocurrency di Era Digital: Tantangan, Regulasi, dan Solusi Hukum Ekonomi Islam Mubarokah, Shela Syofiatul; Yazid, Muhammad
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.v10i2.1213

Abstract

The development of technology is advancing at an increasingly rapid pace. One of these technological developments is the emergence of cryptocurrency in the digital era. Cryptocurrency, as a decentralized digital asset, has rapidly developed and become one of the main financial instruments in the global market. However, from the perspective of Islamic economic law, various issues arise regarding the validity of these transactions, particularly concerning the principles of muamalah jurisprudence such as justice, transparency, avoidance of riba (interest), gharar (uncertainty), and maysir (gambling). This article aims to identify the challenges and solutions of Islamic economic law that can be applied in cryptocurrency in accordance with Islamic principles. This research uses the library research method. The results highlight that while cryptocurrency poses regulatory and ethical challenges, it also offers opportunities for efficiency and inclusion if guided by Islamic principles. The study concludes that adaptive regulation and Islamic economic legal frameworks are essential to ensure transparency, fairness, and justice in digital finance.
Pengaruh Persepsi Risiko, Keamanan Data, dan Transparansi terhadap Kepercayaan Nasabah Generasi Z pada Layanan Digital Bank Syariah Di Kabupaten Sumenep Utami , Kristiani
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 1 (2026): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to examine and analyze the influence of risk perception, data security, and transparency on Generation Z customers' trust in Islamic banking digital services. Generation Z, as a digital native group, has unique characteristics in perceiving digital risks and security, but the adoption of Islamic mobile banking services still shows gaps compared to conventional banks. Issues of data leaks, cyber attacks, and suboptimal information transparency are the background to the importance of this study. The approach used is quantitative with a causal associative research type. The study population is all Generation Z customers using Islamic banking digital services in Sumenep Regency, whose exact number is unknown. The sample was determined using the Lemeshow formula and obtained 100 respondents with a purposive sampling technique based on the criteria of 15-30 years of age, active customers for at least 1 year, and a frequency of using digital services at least 3 times per month. This study used a questionnaire with a 5-point Likert scale. Quantitative data analysis was conducted through validity and reliability tests, classical assumption tests, and multiple linear regression analysis. Hypothesis testing used t-tests, F-tests, and coefficients of determination. The results showed that risk perception had a significant negative effect on customer trust, while data security and transparency had a significant positive effect. Simultaneously, the three independent variables significantly influence Generation Z customer trust, contributing 65.4% (R² = 0.654), while the remaining proportion is influenced by other determinants that are outside the scope of the model. Among the three variables, data security and transparency have a stronger contribution to increasing trust than risk perception. These findings imply that Islamic banks need to proactively reduce customer risk perception through effective risk mitigation communication, strengthen data security systems with the latest technologies such as biometrics and encryption, and increase transparency of product information, fees, and terms and conditions in a clear and easy-to-understand manner. This research contributes to addressing the theoretical gap by integrating the three variables into a single unified model, as well as offering practical implications for the development of Islamic banking digital services oriented towards the younger generation.
Pengaruh Pengaruh Literasi Asuransi dan Promosi Terhadap Minat Berasuransi Syariah Dengan Kepercayaan Sebagai Variabel Mediasi Ramdan, Taufik; Izzani Ulfi; Andina Dwi Iryanti
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 1 (2026): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstract: This study aims to examine the influence of insurance literacy and promotion on millennials’ interest in Islamic insurance, with trust as a mediating variable. Using a quantitative approach and the SEM-PLS method, data were collected from 162 millennial respondents in Jabodetabek. The findings show that insurance literacy and promotion simultaneously and significantly affect trust. Individually, both also have significant effects, indicating that understanding and effective promotion strategies foster trust in Islamic insurance products. Furthermore, literacy, promotion, and trust both simultaneously and individually significantly influence interest, highlighting the role of knowledge, marketing communication, and confidence in increasing millennial interest in Islamic insurance. The indirect effect analysis reveals that trust significantly mediates the relationship between promotion and interest, but not between literacy and interest. Thus, promotion plays a crucial role in influencing interest both directly and through trust. These findings suggest that Islamic insurance companies should develop educational and trust-building promotional strategies to enhance millennial engagement with sharia-compliant insurance products. Keywords: Insurance Literacy, Promotion, Trust, Interest, Islamic Insurance

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