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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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Pengaruh Pemahaman Ekonomi Islam, Literasi Keuangan Syariah dan Kecerdasan Emosional Terhadap Perilaku Konsumtif Elvina Triya Rahmahnusiya; Herlina Yustati; Citra Liza
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.v11i1.1231

Abstract

This study aims to analyze the influence of Islamic economic understanding, Islamic financial literacy, and emotional intelligence on the consumer behavior of Islamic Economics students in Bengkulu City. The method used was a quantitative approach with a causal associative research approach. 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 using SPSS 27 software. The sample size in this study was 95 respondents, with data collected through a Likert-based questionnaire. The results showed that Islamic economic understanding, Islamic financial literacy, and intelligence had a negative and significant effect on consumer behavior. Simultaneously, the three independent variables significantly influenced consumer behavior, contributing 49.6% (R' = 0.496), while the remaining influence was attributed to factors outside the research model.
Peran dan Strategi Bank Sampah dalam Mengurangi Volume Sampah Rumah Tangga Perspektif Maqashid Syariah (Studi pada Bank Sampah Induk Surabaya) alfi khoirin nisa; Muhammad Yazid
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.v11i1.1234

Abstract

This study aims to determine the role and strategies of Bank Sampah Induk Surabaya in reducing household waste volume from the perspective of maqashid sharia. Proper waste management has an important influence on the environment and community life. This study used a qualitative approach through observation and interviews conducted at Bank Sampah Induk Surabaya in April 2026. The results showed that Bank Sampah Induk Surabaya acts as a facilitator, waste manager, and increases public awareness regarding waste management through educational activities. The strategies implemented include allowing customers to become waste-saving members at BSIS, providing waste collection services, supporting facility loans, organizing training events for the community, strengthening institutional and administrative management through handicraft sales, and establishing cooperation with partners. From the perspective of magashid sharia, these efforts are in accordance with the purpose of Islam in creating public welfare for society and the environment.
Zakat Sebagai Automatic Stabilizer Dalam Ekonomi Makro Muthmainnah Muthmainnah; Saadal Jannah; St. Sarifah Najwa; Fauziyah Fzh; Mutia Munthar; Andini Ardianti; Shabrina Al Haya`; Rifka Annisa; Syarifah Salma
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.v11i1.1235

Abstract

This study aims to analyze the role of zakat as an automatic stabilizer in Islamic macroeconomics, particularly in the mechanisms of economic stabilization, inflation control, and its implementation within modern economic systems. The research employs a qualitative method with a descriptive-analytical approach through library research, utilizing secondary data from books, scientific journals, and relevant official documents. The results of the study indicate that zakat has a mechanism aligned with the concept of an automatic stabilizer, in which zakat collection increases along with the rise in people's income, while its distribution to eligible recipients (mustahik) continues during economic downturns, thereby maintaining purchasing power and public consumption. In addition, zakat plays a role in controlling inflation through a more equitable redistribution of income and the prevention of wealth concentration. The implementation of zakat in the modern economy also demonstrates significant potential in supporting economic stability, particularly through the role of zakat management institutions, although it still faces various challenges related to public awareness and institutional management. Therefore, zakat can function as a macroeconomic instrument that is oriented not only toward stability but also toward social justice.
Dinamika Inklusi Keuangan Digital: Inovasi Pelayanan Hybrid Nasabah Lansia di BSI Kota Blitar Millatul Fadhilah; Roichatul Mabruroh; Askin Toyibah
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.v11i1.1236

Abstract

: Penelitian ini menganalisis inovasi pelayanan perbankan syariah bagi nasabah pensiunan di Bank Syariah Indonesia (BSI) KC Kota Blitar. Masalah utama yang dikaji adalah adanya perbedaan antara pengembangan layanan digital dan kemampuan aktual nasabah lanjut usia yang cenderung melakukan transaksi melalui tatap muka di kantor BSI. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data berupa observasi lapangan dan studi literatur yang relevan. Kebaruan penelitian ini terletak pada penekanan inovasi pelayanan berbasis pendampingan langsung oleh pegawai khusus dan petugas keamanan sebagai pelengkap inovasi digital. Hasil penelitian menunjukkan bahwa faktor usia, rendahnya literasi digital, dan kendala teknis menjadi penyebab hambatan utama dalam penerapan layanan digital. Penelitian ini menyimpulkan bahwa perbankan syariah perlu mengintegrasikan pendekatan teknologi dan humanis secara inklusif. Implikasi penelitian ini menekankan pentingnya perancangan layanan yang adaptif terhadap karakteristik nasabah terutama lanjut usia untuk meningkatkan aspek keadilan, inklusivitas, kenyamanan, aksesibilitas, dan kualitas pelayanan di BSI untuk inklusi keuangan secara berkelanjutan.
Peran Pasar Tradisional Srono dalam Peningkatan Perekonomian Masyarakat Menurut Perspektif Ekonomi Islam M. Khanif Ardzani; Ahmad Rama Ardiansyah; Balyat Hidayat
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.v11i1.1239

Abstract

Pasar tradisional menghadapi gempuran modernisasi dan digitalisasi, namun tetap menjadi tulang punggung ekonomi kerakyatan sekaligus ruang aktualisasi nilai-nilai muamalah Islam. Penelitian ini bertujuan untuk menganalisis peran Pasar Tradisional Srono dalam meningkatkan perekonomian masyarakat serta meninjau kesesuaian aktivitas ekonominya dengan prinsip-prinsip syariah. Pendekatan yang digunakan adalah kualitatif lapangan dengan pengumpulan data melalui observasi, wawancara semi-terstruktur, dan dokumentasi, yang kemudian dianalisis menggunakan model interaktif Miles dan Huberman. Hasil penelitian menunjukkan bahwa Pasar Srono berperan signifikan sebagai penggerak ekonomi lokal, terbukti dari peningkatan pendapatan pedagang yang mencapai Rp200.000 hingga Rp700.000 per hari, penyerapan tenaga kerja di sektor jasa pendukung, serta efek pengganda terhadap sektor pertanian dan UMKM sekitar. Dari perspektif ekonomi Islam, mekanisme tawar-menawar yang dominan telah mencerminkan prinsip kerelaan (an tarāḍin), kejujuran (ṣidq), dan keadilan, meskipun potensi penyimpangan dalam transparansi kualitas barang masih memerlukan pengawasan berkelanjutan. Penelitian ini menyimpulkan bahwa Pasar Srono tidak hanya berfungsi sebagai pusat transaksi ekonomi, tetapi juga sebagai instrumen implementasi nilai-nilai muamalah yang berkontribusi pada kesejahteraan berkelanjutan (falah), sehingga penguatan pengawasan etik dan edukasi bisnis syariah menjadi kunci keberlangsungannya di era ekonomi modern.
Perspektif Maqashid Syariah Di Era Digital: Membawa Perubahan Radikal Dalam Regulasi Etis Kecerdasan Buatan Di Perbankan Islam Ahmad Harun Daulay; Mohammad Habibi
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.v11i1.1240

Abstract

Abstract: Artificial intelligence's (AI) quick development has drastically changed the financial services industry, especially Islamic banks. AI implementation creates ethical and regulatory issues, especially with regard to compliance with Islamic legal norms, even while it offers increased efficiency and operational precision. This research examines the evolution of ethical regulation in AI adoption within the Islamic banking sector through a systematic literature review (SLR) of thirty scholarly sources published between 2015 and 2025. The results show that existing regulatory frameworks, especially in areas like algorithmic fairness, data privacy, transparency, and human accountability, are still broad and lack explicit standards in conformity with maqashid shariah. Moreover, sharia supervisory boards' (SSBs') ability to react to new AI technology is still restricted. By suggesting the incorporation of maqashid shariah principles—justice, public benefit, and protection of individual rights—into the ethical governance of AI, this work adds to the expanding conversation on Islamic digital ethics. Practically speaking, the study emphasizes the critical need for cooperative frameworks integrating technologists, Islamic scholars, and regulators to develop AI governance models that are both technologically flexible and compliant with sharia. The study concludes that in order to protect Islamic integrity in the digital age, ethical regulation in Islamic banking needs to go beyond legal formalism and toward a dynamic, value-based methodology.

Page 18 of 18 | Total Record : 176

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