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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 176 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
Implementasi Gadai Masyarakat Kabupaten Aceh Tenggara Perspektif Tokoh Agama dan Tokoh Masyarakat IIS JANISA
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

Pawning (rahn) is an Islamic debt collateral transaction (muamalah) to ensure repayment of a qardh (debt) agreement. Traditional practices, such as pawning rice fields, are common but often contradict Islamic muamalah concepts, leading to ribawi or gharar transactions. This study analyzed the compatibility of rice field pawning practices in Southeast Aceh with Islamic law, based on the perspectives of religious and community leaders. The qualitative, inductive analysis found that local pawning practices are generally not compliant with Islamic law, mainly due to the community's lack of knowledge regarding the technicalities and contracts of rahn. To eliminate gharar, a collaborative effort from the government, religious, and community leaders is necessary. Rice fields and gardens are the typical collateral due to the region's dependence on agriculture.
Pengaruh Persepsi Risiko, Keamanan Data, dan Transparansi terhadap Kepercayaan Nasabah Generasi Z pada Layanan Digital Bank Syariah Di Kabupaten Sumenep Kristiani Utami
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 1 (2026): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v11i1.1220

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.
Rekonstruksi Metodologi Alternatif-Kritis Ilmu Ekonomi Islam Ahmad Ubaidillah; Nurhayati Nurhayati; Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 1 (2026): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v11i1.1226

Abstract

This paper aims to analyze the article "Methodology of Islamic Economics: Typology of Current Practices, Evaluation, and Way Forward" by Hafas Furqani and Mohamed Aslam Haneef and to explore alternative Islamic economic methodologies. This research is library research, with the method of collecting library data, reading, recording, and processing research discussions. The collected data is then analyzed using content analysis techniques. The content analysis method is used to collect the content of a text in the form of words, meanings, images, symbols, ideas, themes, and all forms of communicated messages. The results of the study indicate that: First, the scientific approach in the discourse of methodology for building Islamic economics can be classified into three types of methodologies, namely: (1) ushul fiqh methodology, (2) pluralism methodology, and (3) Islamization methodology. The goal to be achieved in these Islamic economic methodologies is the realization of a compatible and systematic approach in building a solid Islamic economics. Second, Islamic economists also need to develop alternative methodologies that will give birth to critical theories of Islamic economics. Traditional theories of Islamic economics that lack logical consequences for liberating humanity from all forms of economic oppression need to be integrated and interconnected with the methodology of the Frankfurt School, for example.
Pengaruh Pengaruh Literasi Asuransi dan Promosi Terhadap Minat Berasuransi Syariah Dengan Kepercayaan Sebagai Variabel Mediasi Taufik Ramdan; 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 | DOI: 10.30736/jes.v11i1.1227

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
Implementasi Gadai Masyarakat Kabupaten Aceh Tenggara Perspektif Tokoh Agama dan Tokoh Masyarakat Iis Janisa
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 1 (2026): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v11i1.1228

Abstract

Pawning (rahn) is an Islamic debt collateral transaction (muamalah) to ensure repayment of a qardh (debt) agreement. Traditional practices, such as pawning rice fields, are common but often contradict Islamic muamalah concepts, leading to ribawi or gharar transactions. This study analyzed the compatibility of rice field pawning practices in Southeast Aceh with Islamic law, based on the perspectives of religious and community leaders. The qualitative, inductive analysis found that local pawning practices are generally not compliant with Islamic law, mainly due to the community's lack of knowledge regarding the technicalities and contracts of rahn. To eliminate gharar, a collaborative effort from the government, religious, and community leaders is necessary. Rice fields and gardens are the typical collateral due to the region's dependence on agriculture.
Peran Digital Platform dalam Mendorong Kewirausahaan Halal pada Generasi Z Miftahal Anjarsabda Wira Buana; Moh Ah Subhan ZA; Zarkia Al Hikmah
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 1 (2026): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v11i1.1229

Abstract

Digital transformation has changed the global entrepreneurial landscape, including the development of the halal economy, which is increasingly integrated with digital technology. On the other hand, Generation Z, as digital natives, has adaptive characteristics towards technology and a tendency to build flexible and value-based businesses (purpose-driven entrepreneurship). This study aims to analyze the role of digital platforms in encouraging halal entrepreneurship among Generation Z. Specifically, this study examines the influence of digital platform use on halal entrepreneurship interest and practice by considering the mediating role of trust and perceived usefulness, as well as the moderating role of religiosity and digital literacy. The study used a quantitative approach with the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method. Data were collected through a Likert-scale questionnaire distributed to Generation Z aged 18–27 who are involved in digital business activities or interested in halal entrepreneurship. The research variables were developed based on the integration of the Technology Acceptance Model and the Theory of Planned Behavior in the context of digital platform-based halal entrepreneurship. The results show that digital platforms have a positive and significant influence on halal entrepreneurship. Digital platforms act as enablers in opening market access, accelerators in accelerating business growth, and validators in building trust and strengthening halal branding. Furthermore, trust and perceived usefulness are proven to mediate the relationship between digital platform usage and halal entrepreneurship. This study also found that religiosity and digital literacy strengthen the influence of digital platforms on halal entrepreneurial behavior among Generation Z. This study contributes to the development of sharia-based digital entrepreneurship literature by offering an integrative model that connects digital technology, Islamic values, and entrepreneurial behavior of Generation Z. Practically, the research findings can be a reference for the government, digital platforms, and business actors in developing a more inclusive, adaptive, and sustainable halal entrepreneurship ecosystem in the digital economy era.
Pengaruh Fomo, Review Konten Kreator, dan Live Shopping terhadap Perilaku Konsumtif Generasi Z Muslim Pengguna Tiktok Radiah Aszahrah; Herlina Yustati; Esti Alfiah
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 1 (2026): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v11i1.1230

Abstract

Abstract: The rapid development of digital technology and social media, especially TikTok, has significantly influenced the consumer behavior of Generation Z. Psychological factors such as FOMO, as well as social media features such as Content Creator Reviews and Live Shopping have become important factors that encourage individuals to make unplanned purchases, which have the potential to cause consumer behavior. This study aims to determine the effect of FOMO, content creator reviews, and live shopping on the consumer behavior of Muslim Generation Z TikTok users in Bengkulu City. This study uses a quantitative approach with an associative research type. Data analysis was carried out through validity and reliability tests, classical assumption tests, and linear multiple regression analysis. Hypothesis testing used t-test, F-test, and coefficient of determination using SPSS 27 software. The number of samples in this study was 100 respondents, with data collected through a Likert-based questionnaire. The results showed that FOMO, content creator reviews, and live shopping had a positive and significant effect on consumer behavior. Simultaneously, the three independent variables significantly influenced consumer behavior, contributing 85.2% (R² = 0.852), while the remaining 14.8% was influenced by factors outside the research model. These findings highlight the crucial role of digital factors and social media in shaping the consumption patterns of Generation Z Muslims.     Keywords: FOMO; content creator review; live shopping; consumptive behavior; Generation Z.

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