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Jurnal Ekonomi Syariah Pelita Bangsa
Published by Universitas Pelita Bangsa
ISSN : 25280244     EISSN : 27457621     DOI : https://doi.org/10.37366/jespb
Core Subject : Religion, Education,
Religion Education
Jurnal Ekonomi Syariah Pelita Bangsa is a peer review of national journals published by Sharia Economics Study Program, Faculty of Islamic Religion, University of Pelita Bangsa, Bekasi. Editors appreciately welcome all public especially academics, researchers, and educators to donate their intellectual dedication in the form of articles to be published in this journal which is original and has not been published in any media. The articles may be written in Indonesian, Arabic, or English.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 188 Documents
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Pengaruh Brand Awareness, Sertifikasi Halal, Dan Social Media Influencer Terhadap Keputusan Pembelian Konsumen Muslim Reddog Cabang Delipark Mall Medan Oka Sutansyah Ariara Siregar; Ahmad Kholil
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3040

Abstract

This research was conducted to determine the influence of Brand awareness, halal certification, and social media influencers on the purchasing decisions of Muslim consumers at the Reddog Delipark Mall Medan branch. The sample used in this study consisted of 100 respondents, namely Muslim consumers of Reddog Delipark Mall Medan, and questionnaires were used as primary data. The questionnaire data collection technique is evaluated using a Likert scale, validity test, and reliability test. The results of the partial test showed that the Brand awareness variable had a positive and significant partial effect with a significance level of 0.000, the halal certification variable had a positive and significant partial effect with a significance level of 0.027, and the social media influencer variable had a positive and significant partial effect with a significance level of 0.000 on Muslim consumer purchasing decisions for Reddog. Simultaneously, the Brand awareness, halal certification, and social media influencer variables had a positive and significant effect on Muslim consumer purchasing decisions for Reddog Delipark Mall Medan branch with a significance level of 0.000.
Pengaruh Media Sosial, Pembelian Impulsif, Dan Literasi Keuangan Syariah Terhadap Keputusan Penggunaan Shopee Paylater Pada Mahasiswa Muslim Jurusan Akuntansi di Politeknik Negeri Medan Zalfa Sasqia Amanda; Supaino; Nurlinda; Diena Fadhilah; Rahmadani
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3041

Abstract

This research looks at how social media, impulse buying, and knowledge about Islamic finance affect the choice to use Shopee PayLater among Muslim students studying Accounting at Medan State Polytechnic. The study used a quantitative approach with 100 participants chosen on purpose. Information was collected using a Likert scale survey and then analyzed with tests to check for validity and reliability, along with classical assumption tests for normality, heteroscedasticity, and multicollinearity. The findings revealed that individually, social media, impulse buying, and Islamic financial knowledge each had a positive and significant impact on the choice to use Shopee PayLater. Together, these three factors also showed a significant effect. This means that how much students engage with digital media, their tendency to buy things on impulse, and their understanding of Islamic finance play important roles in their decisions about using PayLater services.
Pengaruh Literasi Keuangan Syariah, Kemudahan, Dan Kepercayaan Terhadap Minat Mahasiswa Keuangan Dan Perbankan Syariah Politeknik Negeri Medan Menggunakan Byond by BSI Putri Hadi Utami; Diena Fadhilah; Marlya Fatira; Rahmadani; Muhammad Zuardi
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3045

Abstract

This study examines the interest of students of the Islamic Finance and Banking Study Program at Medan State Polytechnic in using BYOND by BSI. There are three independent variables in this study: Islamic financial literacy, convenience, and trust; the dependent variable is interest. Normality, heteroscedasticity, multicollinearity, and autocorrelation tests are prerequisite tests. The results of the partial test indicate that the Islamic financial literacy variable partially has a moderate and significant positive effect on interest in using BYOND by BSI with a significance level of 0.022, the convenience variable partially has a strong positive effect on interest in using BYOND by BSI with a significance level of 0.054, and the trust variable partially has a very strong and significant positive effect on interest in using BYOND by BSI with a significance level of 0.000. With a significance level of 0.000, the interest of students in the Islamic Finance and Banking Study Program at the Medan State Polytechnic is positively and significantly influenced by the variables of Islamic financial literacy, ease, and trust in using BYOND by BSI.
Analisis Konsep Sistem Operasional Landasan Hukum Dan Jenis Lembaga Jasa Keuangan Khusus di Indonesia Gamal Fadilah; Eka Widiya Fradinda; M. Sakhi Awwah
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3063

Abstract

The study aims to explain the basic concept of LJKK, its differences from conventional financial institutions, its operational systems, and the legal framework governing its activities. The research method uses a descriptive approach through literature review enriched by field observations and interviews with PNM. The results indicate that PNM plays a strategic role in empowering micro-enterprises, particularly underprivileged women, through collateral-free financing, group mechanisms, and business mentoring. PNM's operations are also supported by digital risk assessment (CCM) technology and intensive post-disbursement field supervision. The legal analysis reveals several regulatory gaps, particularly regarding the legality of joint liability mechanisms, algorithmic accountability, and consumer protection for vulnerable groups. Overall, the empirical findings on PNM demonstrate how LJKK functions not only as a financing institution but also as a development instrument capable of reaching sectors not served by conventional financial institutions.
Transaksi Jual Beli Pre-Order Merchandise K-Pop Pada Grup Order Wonderland Dalam Perspektif Fiqih Muamalah Irfilia Azzahra Putri; Muhammad Zuhirsyan; Muslim Marpaung
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3071

Abstract

This study aims to analyze the practice of pre-order sales of K-pop merchandise in the Wonderland Group Order from the perspective of Islamic commercial jurisprudence (fiqh muamalah). The researcher employed a qualitative descriptive method, collecting data through interviews with group administrators, consumers, as well as experts in Islamic jurisprudence and Islamic economics. The results show that the pre-order transaction system implemented in this group aligns with the principles of Islamic law, particularly the salam contract. In this contract, the specifications of the goods are clearly agreed upon, and payment is made either partially or fully in advance, with the goods delivered at a predetermined future time. Although the transactions are carried out digitally, the essential elements of ijab (offer) and qabul (acceptance) are fulfilled, making the transaction valid according to Islamic law.
Peran Media Sosial Dalam Memoderasi Religiusitas Terhadap Perilaku Konsumsi Muslim Gen-Z Pada Boikot Produk Israel Nur Azizah Hasanah; Madnasir; Nurlaili
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3168

Abstract

The purpose of this study is to analyze the influence of religiosity on Muslim consumption behavior, as well as the role of social media as a moderating variable. An associative quantitative method was used with a sample of 150 Gen-Z respondents in Bandar Lampung City. Data analysis was performed using SEM-PLS to test the outer and inner models. The results show that religiosity has a significant positive effect on consumption behavior. Meanwhile, social media does not have a significant moderating effect on the relationship between variables. Therefore, Gen-Z consumption patterns pay more attention to religious commitment than social media information. Implicitly, this emphasizes the importance of religiosity as an effective strategy in Muslim consumption behavior, thereby contributing to the development of sharia economic theory and value-based education and business practices.
Analisis Pengaruh Faktor Makroekonomi Dan NPF Terhadap Profitabilitas Bank Syari'ah Di Indonesia Annisa Della Vernon; Norma Rosyidah
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3177

Abstract

One of the supporting factors of monetary policy that can support the profitability of Islamic banks in Indonesia is inflation, interest rates, net performing finanace (NPF). Profitability utilizes Return on Assets (ROA) as the main indicator of bank financial performance. Inflation reflects the general level of price increases that can affect people's purchasing power, while interest rates reflect the cost of borrowing that impacts economic activity. NPF is utilized to indicate the quality of Islamic banking and the credit risk it faces. Inflation has a significant positive impact on the profitability of Islamic banks, which reflects that inflation can improve bank performance through an increase in people's purchasing power and an increase in operating costs. Interest rates have a negative influence on the profitability of Islamic banks because as sharia-based financial institutions, Islamic banks are in principle not directly affected by interest rates, suggesting an indirect relationship with adjustments to the level of Islamic financing. Meanwhile, NPF shows a significant positive effect on Profitability, indicating that increased financing risk reduces the bank's ability to generate profits.
Analisis Kebijakan Restrukturisasi Pembiayaan Akibat Force Majeure Pada BMT Assyafi’iyah Berkah Nasional KC Metro Almanda Dafitri; Haris Santoso; Eka Nurzanah
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3184

Abstract

This study analyzes the financing restructuring policy at BMT Assyafi’iyah Berkah Nasional KC Metro in response to force majeure events, such as natural disasters and significant business downturns. These conditions can reduce members’ ability to meet their obligations and increase the risk of Non-Performing Financing (NPF). The study aims to assess how the restructuring policy is implemented and how effective it is in assisting affected members. A descriptive qualitative method was used, with data collected through interviews, observation, and documentation. The results show that restructuring is carried out selectively through internal evaluation and board approval, effectively easing members’ burdens, maintaining business continuity, and controlling NPF. Therefore, the institution is advised to strengthen its monitoring and evaluation systems, as well as restructuring guidelines, and to enhance business support for its members. On the other hand, members are expected to understand the applicable procedures, maintain active communication when facing difficulties, and improve financial management so that obligations are met and the partnership can be sustained.
Deconstructing Tarjih: Analisis Kritis Metode Tarjih dalam Penetapan Hukum Islam Kontemporer dan Relevansinya Terhadap Manajemen SDM Ekonomi Syariah Wira Syuhada; Kholilurrohman; Azmi Ismail
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3119

Abstract

This article examines the problems that arise in the application of the tarjih method in Indonesia, particularly in addressing contemporary Islamic legal issues related to human resources management in Islamic economic institutions. Using a qualitative approach with document analysis from three major fatwa institutions: the Muhammadiyah Tarjih Council, the Nahdlatul Ulama Council (LBM NU), and the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). This study finds that there is a significant dynamic between the established adherence to traditional school methodologies and the need for contextual ijtihad. This dynamic creates a diversity of legal products (fatwas) that often overlap or even contradict each other and have implications for economic human resources, ranging from recruitment policies and compensation systems to employee development, which must operate amidst legal uncertainty.
The Application Of Khiyar In The Buying And Selling Of Smoked Fish Hariyani Listiawati; Mursyid; Muh. Adibtiya
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3192

Abstract

Khiyar is a choice that must be made when continuing or canceling a sale and purchase transaction contract. The buying and selling process requires khiyar, and the rights of khiyar are stipulated in Islamic law to avoid disputes between buyers and sellers, so that no one is deceived or harmed in buying and selling transactions. The aim of this research is to see how khiyar is applied in the buying and selling activity of smoked fish with a case study at the Mandonga wet market, Lasandara Street, Kendari City. This research uses a qualitative research method with a data analysis approach, namely descriptive qualitative. The theoretical basis used in this research is the application of khiyar Majlis, khiyar 'Aib, and khiyar Terms at the Mandonga wet market, Lasandara Street, Kendari city which is carried out in the activity of buying and selling smoked fish. The informants in this research were 16 people consisting of 6 smoked fish sellers and 10 buyers. This research was carried out using data collection techniques in the form of observation, interviews and documentation. The results of this research show that the application of khiyar, including khiyar Majlis, khiyar 'Aib, and khiyar conditions in buying and selling smoked fish transactions carried out by sellers at the Mandonga wet market, has been successfully implemented based on an Islamic economic review.

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