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Syari'ah Economics
Published by Institut Agama Islam Darussalam Ciamis
ISSN : -     EISSN : 28078942     DOI : https://doi.org/10.36667/se
Core Subject : Economy,
Economics, Econometrics & Finance
Syariah Economics (e-ISSN 2807-8942) is a scientific journal published by the Faculty of Islamic Economics and Business, Institut Agama Islam Darussalam (IAID) Ciamis, West Java, INDONESIA. Journal of Syariah Economics is an online journal to disseminate field research and conceptual ideas in the field of Sharia economics (Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic human resource management, Islamic microfinance, Islamic capital market, other relevant Islamic economic and financial studies)
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 62 Documents
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Influence of Service Quality and "BSI Mobile Features" on Students Customer Satisfaction Lestari, Vina Resti; Mujib, Haqibul; Aristhantia, Isti Tresna; Ahmadi, Riki
Syari'ah Economics Vol 7 No 1 (2023): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v7i1.1973

Abstract

This study aims to investigate the effect of BI mobile service quality and BSI mobile features on customer satisfaction among IAID Ciamis students using correlational quantitative research methods. The results showed that partially, service quality has a positive and significant effect on customer satisfaction (significance 0.017 <0.05, tcount> ttable (2.440> 1.989), and a positive regression coefficient of 0.271). BSI Mobile features also have a positive and significant effect on customer satisfaction (significance 0.000 <0.05, tcount> ttable (3.790> 1.989), and a positive regression coefficient of 0.981). At the same time, service quality and BSI Mobile features have a positive and significant effect on customer satisfaction (fhitung 40.463 > ftabel 3.09 and significance 0.000 <0.05). This study provides information about the relationship between variables, not about the causality between these variables.
Digital Wallet Usage by the 2019 Class of Students at the Faculty of Islamic Business and Economics of IAID Ciamis (DANA Application Case Study) Maulani, Gita Resta; Ramdani, Eggy Armand; Fani, Andifa Dwi
Syari'ah Economics Vol 7 No 1 (2023): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v7i1.1963

Abstract

This study aims to determine how consumer perceptions relate to the features of using Dana digital wallets, to determine how consumer perceptions relate to the security of using Dana digital wallets, to determine how consumer perceptions relate to the ease of use of Dana digital wallets. This research uses qualitative methods through interviews and documentation. Informants in this study are people who have knowledge about the topic under study. As well as data analysis using analytical techniques in the form of data reduction, data presentation and drawing conclusions. Based on the results of this study, it has been concluded that: First, consumer satisfaction with the use of DANA application is generally positive because the use of DANA application as a digital wallet service in transactions can make it easier for consumers and the use of digital wallets is also more efficient than cash. Second, the factor of consumer satisfaction with the use of the DANA application is the security that guarantees all transactions and user data. Third, based on the research conducted, it can be concluded that consumer satisfaction with the use of the DANA application is the convenience in using the DANA digital wallet application.
The Influence of Transparency and Accountability of The “Amil Zakat Persatuan Islam” Institution on Muzakki Beliefs Sidik, Fajar; Mubarrok, Dede Husni; Mujib, Haqibul
Syari'ah Economics Vol 7 No 2 (2023): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v7i2.1972

Abstract

This study aims to determine the effect of transparency and accountability on muzakki trust in the Islamic Union Amil Zakat Institution Ciamis Regency Service Office. The research uses an associative quantitative approach with a descriptive verification method, which describes the variables as they are and tests the relationship between variables through collecting, processing, analyzing and interpreting data from questionnaires. The results showed that the transparency variable has a positive and significant effect on muzakki trust, with a significance value of 0.000 <0.05, tcount 5.402> t table 1.665, and regression coefficient 0.438. Accountability also has a significant effect on muzakki trust with a significance value of 0.005 < 0.050, tcount 2.905 > t table 1.665, and regression coefficient 0.395. At the same time, transparency and accountability together have a positive and significant effect on muzakki trust with a Fcount value of 19.788> Ftable 3.06 and a significance value of 0.000 <0.05.
Influence of Bank Syariah Indonesia's Instagram Social Media on Students' Interest in Saving at Bank Syariah Indonesia Nurfajar, Budi; Sumarni, Sumarni; Ilmy, Rizky Maidan; Habibah, Tsuroyya Azhari
Syari'ah Economics Vol 7 No 1 (2023): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v7i1.1969

Abstract

This study aims to determine the level of Instagram social media usage among students at Institut Agama Islam Darussalam Ciamis, and their interest in saving at Bank Syariah Indonesia (BSI). This study also measures the influence of BSI's Instagram social media on students' interest in saving at the bank. Using quantitative methods, data are analyzed numerically to test the relationship between variables. Descriptive methods provide a detailed description of the observed phenomena, including numerical data and characteristics. The results of the statistical analysis using SPSS show an R² value of 0.376, which means that 37.6% of students' savings interest is influenced by BSI's Instagram social media, while 62.4% is influenced by other variables not studied. The t-test shows a significant coefficient with a p-value less than 0.05, which indicates that there is a significant influence between BSI's Instagram social media on students' interest in saving at BSI. Therefore, the hypothesis that BSI's Instagram social media affects students' interest in saving is accepted.
The Impact of Oil and Gas Exports on Indonesia's Foreign Exchange Reserves from 2014 to 2022 Husaini, Fauzan; Fitri, Fitri; Ramdani, Eggy Armand; Iswanto, Pepe
Syari'ah Economics Vol 7 No 2 (2023): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v7i2.1980

Abstract

International trade can affect economic growth, create jobs, distribute income, and affect the country's foreign exchange reserves. One of the efforts to increase the country's foreign exchange reserves is to increase the number of exports. This study uses a multiple linear regression analysis method using time-series data. The classical assumption test methods used in this study include normality test, multicollinearity test, autocorrelation test, and heteroscedasticity test. This research was carried out by statistical tests using Eviews-12 software. The statistical tests carried out included the t test (partial), the F test (simultaneous), and the determination coefficient analysis. The research data was sourced from Bank Indonesia and the Central Statistics Agency for the period 2014-2022. The results of the study show that partially the oil and gas export variable have a negative effect on Indonesia's foreign exchange reserves in 2014-2022. Meanwhile, the non-oil and gas export variable has a positive effect on Indonesia's foreign exchange reserves in 2014-2022. The results of the study also show that the variables of oil and gas exports and non-oil and gas exports together affect Indonesia's foreign exchange reserves in 2014-2022 by 72.62%.
Analysis of Mustahik's Welfare through The Distribution of Zakat Funds in "The Ciamis Care Program" at Baznas, Ciamis District Muplihin, Fahrul Zainal; Mujib, Haqibul; Aristhantia, Isti Tresna; Nurliani, Rika
Syari'ah Economics Vol 7 No 1 (2023): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v7i1.1970

Abstract

The purpose of this study is to determine the mechanism of distribution of zakat funds and efforts to improve the welfare of the community in the Ciamis Peduli program on rutilahu assistance in Baznas Ciamis Regency, if viewed from the theory of social welfare. This research uses descriptive qualitative methods with data collection techniques of observation, interviews and documentation. Taking informants on aid recipients at Baznas Ciamis Regency. The result of this research is that the distribution mechanism is that Baznas first conducts socialization and then cooperates with the village, then the village provides the assistance in the form of building materials and after completion the village gives a report on the results of the distribution of assistance to Baznas. Then the efforts made have an effect on the welfare of Mustahik, especially the recipients of assistance where the recipients of the Ciamis Peduli program assistance, especially assistance for uninhabitable houses.
Influence of Ratings and Online Customer Reviews on Purchase Decisions in The Shopee Marketplace Mubarok, Zaki; Husaini, Fauzan; Prihandayani, Riska Dwi; Qolbi, Tazkiyah Ainul
Syari'ah Economics Vol 7 No 2 (2023): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v7i2.1981

Abstract

This study aims to examine the effect of customer ratings and reviews on purchase decisions on Shopee. This research used multiple linear regression to estimate the determinants of purchase decision on Shopee. Data was collected through a questionnaire and analyzed to test the relationship between variables. The descriptive verification method aims to describe whether the facts are true or not and explain the relationship between variables by collecting, processing, analyzing and interpreting data in statistical hypothesis testing. The results showed that partially, rating and customer reviews have a positive and significant effect on purchase decisions. At the same time, customer ratings and reviews simultaneously have a positive and significant effect on purchase decisions.
Development of the Tirta Sumber Jaya Cipangalun Tourism Object in Increasing Village Community Income: A Study of Islamic Economic Perspectives Nurlativah, Ai; Sumarni, Sumarni; Agung, Ahmad; Aminullah, Rifqi Arief
Syari'ah Economics Vol 7 No 1 (2023): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v7i1.1971

Abstract

This study aims to analyze the contribution of the development of Tirta Sumber Jaya tourist attraction in increasing the income of the people of Jalatrang Village, Cipaku Subdistrict, Ciamis Regency, especially from the perspective of Islamic economics. The results showed that the tourism activities carried out in the Tirta Sumber Jaya Cipangalun Tourist Attraction in Jalatrang Village, Cipaku Subdistrict, Ciamis Regency, both service activities to visitors, management activities and relationship activities with the surrounding community are in accordance with the principles of Islamic economics. The existence of the construction of Tirta Sumber Jaya Cipangalun Tourist Attraction provides a positive change (increase) in the income of the people of Jalatrang Village, Cipaku Subdistrict, Ciamis Regency. The contribution of the development of Tirta Sumber Jaya Cipangalun Tourist Attraction in increasing the income of the people of Jalatrang Village, Cipaku Subdistrict, Ciamis Regency occurs through the opening of employment opportunities both as employees of the tourist attraction and as traders in the tourist attraction area and the growth of community business centers along the road to Tirta Sumber Jaya Cipangalun Tourist Attraction.
Exploring the Impact of Job Satisfaction and Organizational Commitment on Organizational Citizenship Behavior Islamic Perspective (OCBIP) Husaini, Fauzan; Fitri, Nurul; Sumarni, Sumarni
Syari'ah Economics Vol 9 No 1 (2025): Islamic Economic
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v9i1.2234

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kepuasan kerja dan komitmen organisasi terhadap Organizational Citizenship Behavior Islamic Perspective (OCBIP) pada karyawan CV. Macakal Agro Gumilang. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis Partial Least Squares - Structural Equation Modeling (PLS-SEM). Jumlah responden sebanyak 67 orang dari divisi produksi sotong, dengan penentuan jumlah sampel minimum berdasarkan pada perhitungan G*Power. Hasil penelitian menunjukkan bahwa kepuasan kerja tidak berpengaruh signifikan terhadap OCBIP dengan nilai p-value sebesar 0,644 > 0,05. Sementara itu, komitmen organisasi berpengaruh positif dan signifikan terhadap OCBIP dengan p-value sebesar 0,000 < 0,05 dan koefisien jalur sebesar 0,710. Nilai R² sebesar 57% menunjukkan bahwa OCBIP dapat dijelaskan oleh kepuasan kerja dan komitmen organisasi, sedangkan sisanya sebesar 43% dijelaskan oleh faktor lain di luar model.
Macroeconomic and Bank-Specific Factors Influencing Cost Efficiency in Islamic Banking: Evidence from Indonesia Purnomo, Rino; Isro, Arsan; Munir, Misbahul; Madqur, Madqur
Syari'ah Economics Vol 9 No 1 (2025): Islamic Economic
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v9i1.2225

Abstract

The dual banking system in Indonesia intensifies competition between conventional and Islamic banks, impacting operational costs and income. From 2015 to 2024, the BOPO (Operational Cost to Operational Income) ratio of Islamic banks fluctuated between 97% and 76%, reflecting inefficiencies influenced by internal and external factors. This study examines the determinants of BOPO in Indonesian Islamic banking using quantitative methods, specifically multiple linear regression analysis of monthly data (2015–2024). The independent variables include bank-specific metrics (Capital Adequacy Ratio/CAR and Return on Assets/ROA) and macroeconomic indicators (BI Rate, inflation, and economic growth). The results indicate that CAR, ROA, BI Rate, and inflation significantly and negatively affect BOPO, suggesting that higher capital adequacy, profitability, and interest rates, along with controlled inflation, improve operational efficiency. Conversely, economic growth shows no significant impact. These findings provide critical insights for Islamic bank managers and policymakers to enhance efficiency through strategic capital allocation, risk management, and macroeconomic stability measures. Keywords: CAR, ROA, BI Rate, Inflation, Economic Growth, and BOPO.

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