cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
bakhrul huda
Contact Email
bakhrul.huda@uinsby.ac.id
Phone
+6281331303883
Journal Mail Official
el-qist@uinsa.ac.id
Editorial Address
Kampus Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya Jl. Jend. A. Yani 117 Surabaya 60237
Location
Kota surabaya,
Jawa timur
INDONESIA
El-Qist : Journal of Islamic Economics and Business (JIEB)
Published by Universitas Islam Negeri Sunan Ampel
ISSN : 22527907     EISSN : 27160335     DOI : https://doi.org/10.15642/elqist
Core Subject : Economy, Science, Social,
Economics, Econometrics & Finance Library & Information Science Social Sciences
el-Qist: Journal of Islamic Economics and Business (JIEB) Merupakan jurnal yang terbit dua kali dalam satu tahun, bulan April dan Oktober, berisi kajian-kajian Ekonomi dan Bisnis Islam, baik berupa artikel konsepsional ataupun hasil penelitian
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol. 13 No. 1 (2023): April" : 6 Documents clear
Implementasi Akad Mudharabah Mutlaqah Pada Tabungan Haji IB Amanah Terhadap Profitabilitas PT Bank Pembangunan Daerah Jawa Timur Tbk. El Nadia, Nada; Masadah; Muhammad Yazid; Muhammad Iqbal Surya Pratikto; Nurul Fatma Hasan
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.16-34

Abstract

This study explores the implementation of mudharabah mutlaqah contracts in the IB Amanah Hajj Savings product offered by the Islamic Business Unit of Bank Jatim, and its contribution to the bank’s profitability. Using a qualitative descriptive approach, field data were collected through interviews, observation, and document analysis at Bank Jatim KCPS Sampang. The findings reveal that the application of mudharabah mutlaqah aligns with the DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000 and enables the bank to profit from Hajj deposits while maintaining Sharia compliance. Over the period 2019–2021, IB Amanah contributed between 1.25% and 1.31% to the bank's net profit, with a 90:10 profit-sharing ratio favoring the bank. The study contributes to the global Islamic finance literature by demonstrating how long-term religious savings products can support the financial sustainability of regional Islamic banking institutions. It also offers a practical framework for integrating Sharia contracts into public savings mechanisms without compromising operational profitability. This case can inform international practices, especially in Muslim-majority economies aiming to optimize Hajj fund management through ethical investment strategies. Future research could compare mudharabah-based Hajj savings with other contract models (e.g., wadi’ah) across jurisdictions to assess risk-sharing efficiency and depositor trust in Islamic financial institutions.
Life Style as Consumer Satisfaction in the Maqāṣid of Islamic Economics Musfiqoh, Siti
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.83-99

Abstract

This study investigates lifestyle as a dimension of consumer satisfaction within the framework of Maqāṣid al-Sharī‘ah in Islamic economics. Using a literature-based analytical approach, the paper critiques conventional economic assumptions of utility and consumer rationality by contrasting them with Islamic normative principles on consumption. It explores how modern lifestyle choices—often shaped by capitalist cultural industries and social expectations—can lead to excessive consumption (isrāf and tabdhīr), diverging from the ethical and spiritual goals of Islamic economic behavior. The analysis emphasizes that true consumer satisfaction in Islam must align with the prioritization of needs (ḍarūriyyāt, ḥājiyyāt, taḥsīniyyāt) rather than desires, promoting holistic well-being across material and spiritual dimensions. This study contributes to global Islamic economics scholarship by offering a normative framework that integrates consumer ethics, spiritual utility, and the maqāṣid-based prioritization of needs. It provides a theoretical alternative to Western-centric models of consumer behavior and introduces Islamic lifestyle moderation as a metric of satisfaction that transcends material utility. Future international research may empirically test the proposed maqāṣid-based satisfaction framework across Muslim societies, explore its implications for ethical consumerism, and develop indices that measure consumption aligned with Islamic values.
The Knowledge, Service Features, Benefits, And Convenience and Their Influence on Customer Interest: Evidence on BSI Mojopahit 2 Mojokerto City, Indonesia Mutia Hendarti, Alvina; Candra Yudha, Ana Toni Roby; Wicaksono, Rianto Anugerah; Maksum, Maksum; Huda, Nurul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.49-66

Abstract

This study investigates the influence of customer knowledge, service features, perceived benefits, and convenience on user interest in adopting BSI Mobile Banking at Mojopahit 2 Branch, Mojokerto City, Indonesia. Using a quantitative approach with a purposive sample of 100 active users, the study employed multiple linear regression analysis through SPSS. Results demonstrate that all four variables significantly affect customer interest, both individually and simultaneously, with perceived benefit emerging as the most dominant factor influencing user adoption. This study contributes to the growing body of research on Islamic digital banking by highlighting how cognitive and experiential factors drive mobile banking adoption in emerging economies with large Muslim populations. Unlike many conventional studies, this research emphasizes the unique feature set of Islamic mobile banking—such as zakah calculators and Qibla direction services—that align with faith-based financial behaviors. The findings provide actionable insights for Islamic financial institutions aiming to expand digital financial inclusion while preserving Shariah compliance. Future international studies can build on this model by comparing adoption dynamics across Islamic banking systems, examining the role of religious values in fintech usability, or integrating behavioral economics into Islamic digital finance frameworks.
Analysis of Entrepreneurial Skills In Growing Competitive Advantages In "Fresh Milk" Micro, Small, And Medium Enterprises (MSMEs) In Gresik District Sutono, Sutono
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.35-48

Abstract

This study investigates the role of entrepreneurial skills in enhancing competitive advantage among “Fresh Milk” Micro, Small, and Medium Enterprises (MSMEs) in Randu Padangan Village, Gresik, Indonesia. Employing a quantitative research design with a saturated sample of 37 entrepreneurs, the study utilized a structured questionnaire and SPSS-based statistical analysis, including t-tests and determination coefficient (R²) analysis. The results confirm that entrepreneurial skills significantly and positively influence competitive advantage, with a determination coefficient of 91.9%, indicating that nearly all competitive advantage can be attributed to the entrepreneurs’ competencies. The findings offer empirical evidence for the critical function of entrepreneurial capacity—even in low-formal-education settings—in driving rural MSME performance. This study provides a microeconomic lens on how technical, social, and managerial skills among grassroots dairy entrepreneurs contribute to resilience and differentiation in a highly competitive market. Its contribution to international discourse lies in framing entrepreneurial skill development as a vital mechanism for achieving sustainable local economic competitiveness. Future research may expand this framework to cross-country comparisons of MSME ecosystems, examine digital entrepreneurship interventions, or analyze how informal entrepreneurial learning influences sectoral innovation in emerging markets.
The Effect of Discipline, Motivation, Work Environment on Employee Performance and Their Impact on Job Satisfaction Employees at Bank Muamalat Tulungagung Branch Office Puryanti, Anggi Putri; Supriyadi, Ahmad; Rafikasari, Elok Fitriani
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.67-82

Abstract

This study examines the influence of discipline, motivation, and work environment on employee performance and their indirect effect on job satisfaction at Bank Muamalat Tulungagung Branch Office. Using a quantitative explanatory design with path analysis, data were collected from all 30 employees using a saturated sampling technique. The results show that all three independent variables significantly impact employee performance, both directly and indirectly through job satisfaction. Notably, the work environment exerted the strongest direct influence on performance, while job satisfaction served as a significant mediating variable, contributing to 72.9% of the variance in performance. The study contributes to international human resource and Islamic organizational behavior literature by integrating job satisfaction as a key mediating construct in performance enhancement within Islamic financial institutions. It highlights how discipline rooted in Shariah values, intrinsic motivation, and supportive environments shape optimal employee outcomes. This research provides a foundational model for Islamic HR performance frameworks that can be tested across global Islamic banking settings. Future studies may compare the mediating role of satisfaction across different cultural and regulatory environments or incorporate Islamic leadership and spiritual motivation as additional variables in performance modeling.
The Effect of Stock Selection Ability, Market-Timing Ability, and Fund Cash Flow on the Performance of Sharia Equity Mutual Funds (Study During the Covid-19 Pandemic, 2020-2021) Budi, Rakhmad Pambudi; Prasaja, Mahendra Galih; Utomo, Agus Saur
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.1-15

Abstract

The COVID-19 pandemic posed significant challenges to global capital markets, including Islamic equity mutual funds in emerging economies such as Indonesia. This study investigates the effects of stock selection ability, market-timing ability, and fund cash flow on the performance of Islamic equity mutual funds during the 2020–2021 pandemic period. Using monthly NAV data from 39 Sharia-compliant equity mutual funds registered with Indonesia’s Financial Services Authority (OJK), we applied multiple linear regression models with the Sharpe index as a performance proxy. The results show that all three variables—stock selection ability, market-timing ability, and fund cash flow—exert a positive and statistically significant influence on mutual fund performance. These findings highlight the crucial role of fund managers' strategic competencies during crisis periods and reinforce the importance of liquidity dynamics in Sharia fund resilience. This study contributes to the Islamic finance literature by empirically validating how investment decision-making quality affects Sharia mutual fund outcomes in crisis contexts. Furthermore, it offers a methodological foundation for comparative international studies on Islamic versus conventional mutual fund performance under systemic shocks. Future research may expand this framework across different Islamic financial jurisdictions or explore non-linear relationships using advanced econometric models.

Page 1 of 1 | Total Record : 6

 1 

Filter by Year

2023 2023


Reset
Filter By Issues
All Issue Vol. 15 No. 2 (2025): October Vol. 15 No. 1 (2025): April Vol. 14 No. 2 (2024): October Vol. 14 No. 1 (2024): April Vol. 13 No. 2 (2023): El-Qist Vol. 13 No. 2 (2023): October Vol. 13 No. 1 (2023): April Vol. 13 No. 1 (2023): El-Qist Vol. 12 No. 2 (2022): October Vol. 12 No. 2 (2022): el-Qist Vol. 12 No. 1 (2022): April Vol. 12 No. 1 (2022): el-Qist Vol. 11 No. 2 (2021): October Vol. 11 No. 2 (2021): el-Qist Vol. 11 No. 1 (2021): el-Qist Vol. 11 No. 1 (2021): April Vol. 10 No. 2 (2020): October Vol. 10 No. 2 (2020): el-Qist Vol. 10 No. 1 (2020): eL-Qist Vol. 10 No. 1 (2020): April Vol. 9 No. 2 (2019): October Vol. 9 No. 2 (2019): eL-Qist Vol. 9 No. 1 (2019): April Vol. 9 No. 1 (2019): eL-Qist Vol. 8 No. 2 (2018): eL-Qist Vol. 8 No. 2 (2018): October Vol. 8 No. 1 (2018): eL-Qist Vol. 8 No. 1 (2018): April Vol. 7 No. 2 (2017): October Vol. 7 No. 2 (2017): eL-Qist Vol. 7 No. 1 (2017): April Vol. 7 No. 1 (2017): eL-Qist Vol. 6 No. 2 (2016): eL-Qist Vol. 6 No. 2 (2016): October Vol. 6 No. 1 (2016): April Vol. 6 No. 1 (2016): eL-Qist Vol. 5 No. 2 (2015): eL-Qist Vol. 5 No. 2 (2015): October Vol. 5 No. 1 (2015): April Vol. 5 No. 1 (2015): eL-Qist Vol. 4 No. 2 (2014): October Vol. 4 No. 2 (2014): eL-Qist: Vol. 4 No. 1 (2014): eL-Qist: Vol. 4 No. 1 (2014): April Vol. 3 No. 1 (2013): April Vol. 3 No. 1 (2013): eL-Qist: Vol. 2 No. 2 (2012): eL-Qist: Vol. 2 No. 2 (2012): October Vol. 2 No. 1 (2012): April Vol. 2 No. 1 (2012): eL-Qist: Vol. 1 No. 1 (2011): October Vol. 1 No. 1 (2011): eL-Qist More Issue