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Jurnal Investasi Islam
Published by Institut Agama Islam Negeri Zawiyah Cot Kala Langsa
ISSN : 25413570     EISSN : 25809024     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Investasi Islam adalah jurnal akademis yang diterbitkan dua kali dalam setahun oleh Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Negeri Langsa. Jurnal Investasi Islam bertujuan untuk menjadi bagian dalam kemajuan ilmu pengetahuan di bidang ekonomi, keuangan dan investasi islam dengan menerbitkan jurnal investasi berkualitas. Fokus dan Scope: Fokus dan Lingkup Jurnal Investasi Islam di antaranya adalah: 1. Islamic investment 2. Islamic Banking and Finance 3. Monetary Policy 4. Fiscal 5. Ziswaf 6. Islamic Microfinance 7. Sukuk 8. Other investment instruments
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 227 Documents
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Perfectly Competitive Markets in Islamic Economics: A Systematic Literature Review on Efficiency, Justice and Market Ethics Junia Mayang Sari; Rozalinda; Testru Hendra
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14869

Abstract

This study aims to analyze the development of research on perfect competition markets from an Islamic economic perspective using a Systematic Literature Review (SLR) approach. Previous research has generally focused more on market efficiency in conventional economics, while the integration of efficiency, justice, and Sharia ethics has been discussed only to a limited extent in a systematic manner. Furthermore, there are still relatively few SLR studies on perfect competition markets in Islamic economics. This study employs the PRISMA method on Scopus-indexed and web of science articles from 2019 to 2025 using the keyword “perfect competition market in Islamic perspective.” From the initial 85 articles identified, a screening process was conducted based on topic relevance, methodological suitability, and eligibility criteria. Consequently, 10 final articles were selected for in-depth analysis. The results indicate that previous studies have been dominated by discussions of market efficiency and price mechanisms, while aspects of market ethics, Sharia oversight, and distributive justice remain relatively under-researched. Furthermore, most studies remain conceptual and normative, with limited empirical research on the implementation of Islamic markets within the context of modern economics. This study underscores the importance of developing Sharia-based market regulations and models that are oriented not only toward economic efficiency but also toward social justice and welfare.
Hilah Digital dan Pseudo-Sharia: Kritik atas Mimikri Syariah dalam Industri Fintech Indonesia Reza Fauzi Nazar; Ajeung Syilva Syara Noor Silmi Sudrajat; Arif Iman Maulidin; Dicky Maulidhany
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14882

Abstract

Pertumbuhan industri fintech syariah di Indonesia menunjukkan perkembangan signifikan, tetapi ekspansi tersebut tidak selalu diikuti transformasi substantif terhadap prinsip ekonomi Islam. Penelitian ini bertujuan untuk mengidentifikasi modus operandi praktik pseudo-sharia dalam fintech syariah Indonesia, mengevaluasinya dalam perspektif fiqh muʿāmalah dan maqāṣid al-sharīʿah, serta merumuskan rekonstruksi tata kelola berbasis prinsip substance-over-form. Penelitian menggunakan paradigma critical-interpretive dengan metode kualitatif melalui library research dan comparative document review. Sumber data meliputi regulasi, fatwa DSN-MUI, standar AAOIFI dan IIFA, laporan industri, literatur akademik bereputasi, kitab uṣūl al-fiqh klasik, serta dokumen publik PT Ammana Fintek Syariah sebagai verifikasi empiris terbatas. Analisis data dilakukan menggunakan thematic analysis enam tahap Braun dan Clarke. Hasil penelitian menunjukkan tiga modus utama pseudo-sharia business dalam fintech syariah Indonesia, yaitu: (1) murābaḥah-as-loan dengan qabḍ administratif yang gagal merealisasikan pengalihan ḍamān al-milk; (2) tawarruq munazzam digital melalui mekanisme back-to-back matching yang secara substantif menyerupai pinjaman berbunga; dan (3) wakālah bil ujrah dengan struktur fee berbasis waktu dan nominal pokok yang menyerupai bunga terselubung. Ketiga modus tersebut umumnya memenuhi kepatuhan formal akad, tetapi gagal pada level ekonomi-substantif dan maqāṣid al-sharīʿah. Penelitian juga menemukan bahwa problem tersebut diperkuat oleh tata kelola formalistik, asimetri kompetensi DPS, tekanan insentif industri, dan dualisme regulasi antara OJK dan DSN-MUI. Penelitian ini menawarkan kontribusi teoretis melalui perluasan kritik Islamic moral economy ke dalam konteks digital dengan menempatkan arsitektur teknologi sebagai mediator munculnya ḥīlah. Secara praktis, penelitian ini mengusulkan kerangka sharia audit tiga lapis—formal, ekonomi-substantif, dan maqāṣid—sebagai model evaluasi kepatuhan syariah berbasis substansi bagi industri fintech syariah Indonesia.
Experience-Based Value Innovation in Culinary MSMEs: A Blue Ocean Strategy Case Study of Bubur Bakar Claypot Teman Setia Surabaya Cindi Fatikah; Jojok Dwiritjahjono
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14887

Abstract

The food and beverage (F&B) industry is increasingly characterized by intense competition and market homogenization, encouraging culinary MSMEs to create value beyond product quality and price competition. This study aims to analyze the implementation of Blue Ocean Strategy (BOS) in shaping experience-based value innovation at Bubur Bakar Claypot Teman Setia Surabaya. This study employed a qualitative case study approach through interviews, observations, and documentation. Data were analyzed using the interactive analysis model proposed by Miles, Huberman, and Saldaña. The findings indicate that the implementation of BOS is not oriented toward price competition, but toward the creation of multisensory and emotional consumption experiences through the use of claypot, live cooking concepts, smoky aromas, interactive service, and customer engagement. The ERRC Grid analysis reveals a reconstruction of competitive factors by reducing the emphasis on price competition while increasing sensory experience, service interaction, and customer engagement. In addition, the Strategy Canvas analysis shows that the company possesses a distinct value curve compared to conventional porridge businesses. The findings also indicate that experience-based differentiation can create value innovation, although it is accompanied by operational challenges related to service coordination complexity and service consistency.
Revisiting The Marketing Mix In Digital Telecommunications: Analyzing The Factors Of Sales Instability In By.U Surabaya Assyaffa Maulida; Budi Prabowo
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14892

Abstract

This research aims to analyze the 4P marketing mix strategy in increasing the sales of by.U starter packs at PT Telekomunikasi Selular Surabaya. The research gap is identified through the phenomenon of unstable sales volume fluctuations and a significant decline in 2025, despite by.U’s implementation of an innovative digital telco concept targeting the youth segment. The methodology employed is descriptive research with a qualitative approach. Data were collected through in-depth interviews with management, direct sales staff, and consumers, supplemented by observation and documentation. Analysis was conducted using the interactive model and the evaluation of Internal Factor Analysis Summary (IFAS) and External Factor Analysis Summary (EFAS) matrices within a  SWOT framework. Key empirical findings indicate that  the company’s strategic position lies in Quadrant I (Aggressive) with coordinate (1,60;1,37), signifying substantial internal strength to capture expansive digital market opportunities. The “Life On” product feature (no active period) and community-based promotional strategies, such as by.U Goes to School/Campus, proved to be critical factors in attracting purchasing interest. The novelty of this research lies in its in-depth analysis of the performance of Indonesia’s first end-to-end digital mobile service in facing the urban market saturation phase between 2019 and 2025. The practical contribution provided is a recommendation to strengthen customer retention strategies through specialized loyalty programs (renewal) and technical application performance improvements to maintain consistent sales stability amidst intense industrial competition.  
SWOT-Based Business Development Strategy for Increasing Sales Volume in Agro-Industrial MSMEs: A Case Study of Sumber Agung Farm, Bontang City Lailatul Zulfiah Kurniasari Rahmadani; Budi Prabowo
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14912

Abstract

This study aims to analyze the business development strategies implemented by Sumber Agung Farm MSME in increasing sales volume within a non-agrarian industrial region. Previous studies generally focused on promotional and marketing strategies, while studies discussing operational integration and customer-oriented services in supporting MSME sustainability remain limited. This study employed a qualitative descriptive approach using interviews, observation, documentation, and SWOT analysis through IFAS and EFAS matrices. The research involved ten informants consisting of one business owner, six employees, and three customers selected using purposive sampling. The findings indicate that internal raw material integration, product quality improvement, and door-to-door distribution services contributed to increasing sales volume and strengthening customer loyalty. Sales volume increased from 9,800 sacks in 2022 to 13,860 sacks in 2025. The SWOT analysis showed an IFAS score of 3.04 and an EFAS score of 3.01, indicating that the MSME was positioned in Quadrant I with strong growth opportunities through a growth-oriented strategy. This study contributes to MSME business strategy literature by emphasizing the importance of operational integration, internal resource management, and customer-oriented services in supporting business sustainability within non-agrarian industrial regions. Practically, the findings may serve as a reference for agro-industrial MSMEs in developing adaptive business strategies based on internal resource optimization and customer-oriented services.
Sectoral Economic Dynamics in South Tapanuli Regency: Evidence from LQ and Shift Share Approaches Raihan Bugis; Isnaini Harahap; Purnama Ramadani Silalahi
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14931

Abstract

This study analyzes leading and potential economic sectors in South Tapanuli Regency, North Sumatra, in the post-pandemic period using the Location Quotient (LQ) and Shift Share methods based on Gross Regional Domestic Product (GRDP) at constant prices from 2021–2024. Unlike previous studies that primarily focus on descriptive sectoral contributions, this research integrates comparative and competitive advantage analyses to provide a more comprehensive understanding of regional economic dynamics. The LQ analysis identifies three base sectors: Agriculture, Forestry, and Fisheries (average LQ = 1.8222); Mining and Quarrying (average LQ = 8.6937); and Public Administration, Defence, and Compulsory Social Security (average LQ = 1.7817). Meanwhile, the Shift Share analysis reveals that eleven sectors possess positive competitive advantages (Cij > 0). The combined results classify two sectors as leading sectors, one sector as potential, nine sectors as developing, and five sectors as lagging. However, the Public Administration sector should be interpreted as an administratively dominant sector rather than a productive market-driven source of regional competitiveness. The findings indicate that post-pandemic economic strengthening in South Tapanuli should prioritize productive base sectors, enhance the competitiveness of developing sectors, and encourage regional economic diversification. Theoretically, this study demonstrates the relevance of integrating LQ and Shift Share approaches in analyzing regional sectoral transformation. Practically, the results provide evidence-based insights for local governments in designing policies related to resource allocation, productive sector development, and regional competitiveness enhancement.
Pengaruh Fear of Missing Out (FOMO), Live streaming, dan Promo event terhadap Impulsive buying Gen Z dalam Perspektif Konsumsi Islami di Kota Banda Aceh Siti Nurul Maulid Diva; Muksal; Hafiizh Maulana
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14941

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Fear of Missing Out (FOMO), live streaming, dan promo event terhadap impulsive buying Generasi Z dalam perspektif konsumsi Islami di Kota Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif dengan desain field research yang bersifat asosiatif. Data dikumpulkan melalui kuesioner terhadap 100 responden Generasi Z pengguna e-commerce yang yang dipilih menggunakan teknik purposive sampling. Data dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa secara simultan FOMO, live streaming, dan promo event berpengaruh signifikan terhadap impulsive buying. Namun secara parsial, hanya FOMO yang berpengaruh positif dan signifikan, sedangkan live streaming dan promo event tidak berpengaruh signifikan. Temuan ini menunjukkan bahwa impulsive buying Generasi Z lebih dipengaruhi oleh faktor psikologis internal berupa kecemasan tertinggal tren digital dibandingkan stimulus pemasaran eksternal. Penelitian ini memberikan novelty melalui pengujian perilaku impulsive buying Generasi Z dalam konteks masyarakat Muslim di Kota Banda Aceh yang memiliki karakteristik sosial-religius berbeda dibandingkan wilayah urban lainnya. Perspektif konsumsi Islami dalam penelitian ini digunakan sebagai kerangka interpretatif untuk memahami dinamika perilaku konsumsi digital Generasi Z di lingkungan masyarakat Muslim.
Digital Consumption Behavior Among College Students: The Role of Online Shopping Frequency and Sharia Financial Behavior in Medan Sabrina Faraditha; Isnaini Harahap; Purnama Ramadani Silalahi
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14947

Abstract

The development of digital technology has encouraged an increase in online shopping activities among students and has the potential to foster a consumptive lifestyle. From the perspective of Islamic economics, consumption behavior should be based on the principles of balance, prudence, and avoidance of excessive behavior. This study aims to analyze the influence of online shopping intensity and Islamic financial behavior on the consumptive lifestyle of students in Medan City. The research method employed is a quantitative approach using multiple linear regression analysis. Data was collected through the distribution of questionnaires to 400 active undergraduate (S1) students residing in Medan City, with a sample size determined using the Slovin formula at a 5 percent margin of error. The results of the study indicate that the intensity of online shopping has a positive and significant effect on students’ consumptive lifestyles. Additionally, Islamic financial behavior has also been proven to have a significant effect on consumption lifestyles. Together, the two independent variables were able to explain 65.5 percent of the variation in students’ consumption lifestyles. These findings indicate that the high intensity of online shopping can reinforce the tendency toward overconsumption, while Islamic financial behavior has not fully functioned as a consumption regulator amidst a strong digital culture. This research makes an empirical contribution to the development of Islamic economic literature by emphasizing the importance of strengthening the internalization of contextual and applicable Islamic financial values in addressing the challenges of consumption behavior in the digital era.
Transformasi Peran Nazhir Tradisional Menuju Nazhir Profesional dalam Ekosistem Wakaf Modern Sufrizal; Alfian Muhammad; Sumardi Efendi; Muhammad Alwin Abdillah
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i1.14997

Abstract

Idealnya, pengelolaan wakaf modern dijalankan secara profesional, produktif, transparan, dan terintegrasi dengan perkembangan teknologi serta pembangunan ekonomi umat. Namun realitasnya, sebagian besar pengelolaan wakaf masih didominasi pola tradisional dengan kapasitas manajerial nazhir yang terbatas, lemahnya tata kelola kelembagaan, serta rendahnya optimalisasi aset wakaf produktif. Penelitian ini bertujuan untuk menganalisis transformasi peran nazhir dari pola tradisional menuju nazhir profesional dalam pembangunan ekosistem wakaf modern. Penelitian ini menggunakan jenis penelitian pustaka (library research) dengan pendekatan kualitatif-deskriptif melalui metode analisis isi (content analysis) terhadap berbagai literatur ilmiah, regulasi wakaf, dan dokumen kelembagaan terkait. Hasil penelitian menunjukkan bahwa profesionalisasi nazhir menjadi faktor strategis dalam penguatan tata kelola wakaf modern melalui peningkatan kompetensi manajerial, penerapan good waqf governance, pengembangan wakaf produktif, serta integrasi teknologi digital dalam pengelolaan wakaf. Transformasi tersebut menempatkan nazhir sebagai aktor penting dalam pembangunan Islamic social finance yang produktif, inklusif, dan berkelanjutan.
The Influence of Zakat Empowerment and Business Assistance on Mustahik Welfare through Business Growth in Aceh Eka Nurlina; Nurma Sari; Hendar Halim; Khairul Umuri
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.14371

Abstract

This study aims to analyze the effect of zakat empowerment and business assistance on the welfare of mustahik (recipients of the productive zakat program), with business growth as a mediating variable. The study used a quantitative approach with primary data obtained from 155 mustahik (recipients of the productive zakat program) in Banda Aceh City and Aceh Besar Regency. The analysis was conducted using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results show that zakat empowerment and business assistance have a positive and significant effect on business growth. Furthermore, zakat empowerment and business assistance also have a positive, significant effect on the welfare of mustahik. Business growth was shown to significantly influence mustahik welfare and mediate the relationship between zakat empowerment and mustahik welfare. However, business growth did not mediate the relationship between business assistance and mustahik welfare. These findings indicate that the effectiveness of productive zakat in improving mustahik welfare depends on the program's ability to encourage sustainable business growth and to integrate capital provision and structured mentoring.

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