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<![CDATA[ANALISIS PERDAGANGAN BBM PASCA PENETAPAN KENAIKAN HARGA BERDASARKAN PERSPEKTIF ETIKA BISNIS ISLAM ]]>
<![CDATA[Riki, Muchamad]]>;
<![CDATA[Makhtum, Ahmad]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v6n3.p89-100
<![CDATA[The increase in the price of fuel oil (BBM) on September 3, 2022 had a big impact on society, besides that this increase allows the appearance of deviant behavior by traders, such as retail traders. The importance of ethics in trading must be carried out, in order to avoid deviant acts and get the pleasure of Allah SWT. Therefore, this study aims to analyze the trading of fuel after the determination of price increases based on the perspective of Islamic business ethics. This research is a qualitative research with a descriptive approach. The type of research used is field research. Data collection techniques used are observation, interviews, and documentation. The results of this study show that the mechanism for trading fuel after the determination of the price increase was carried out by retail traders in Gedangan, Kedungrejo, Kedungadem, Bojonegoro including: buying fuel at gas stations and agents; dosage determination; pricing; and direct marketing. Fuel trading practices carried out by retail traders are not in accordance with Islamic business ethics, namely the principles of equilibrium, free will, responsibility and benevolence. This is because traders are dishonest and commit fraud in the form of reducing the dose of fuel, so that it can harm the buyer.]]>
<![CDATA[ANALISIS RASIO KEUANGAN TERHADAP KINERJA BANK SYARIAH INDONESIA PASCA MERGER ]]>
<![CDATA[Puspita Ningrum, Ratih]]>;
<![CDATA[Alan Nur, Muhammad]]>;
<![CDATA[Sukardi, Budi]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v6n3.p43-51
<![CDATA[Financial performance describes an achievement over a certain period of time on the procedures for managing a bank's finances. This research aims to measure how the performance of Indonesian Sharia Banks in 2022 so that it can be ranked as the 6th largest bank in Indonesia. Descriptive research method using financial ratio analysis, the ratio used is the ratio of liquidity, profitability, and solvency. The results in this study indicate that the FDR ratio of Indonesian Sharia Banks performs in a poor category, because it does not meet BI regulatory standards. While the cash ratio, ROA, ROE, BOPO, and CAR are in good condition, because these ratios comply with BI regulations. The implications of this research for readers can be used as a reference for writing further scientific papers. Meanwhile, companies, especially Bank Syariah Indonesia, are expected to improve their financial performance so they can improve their performance in 2023.]]>
<![CDATA[IMPLEMENTASI ETIKA BISNIS ISLAM PADA PERILAKU PEDAGANG SAPI DI PASAR ROJOKOYO KEDIRI ]]>
<![CDATA[Maulana, Muhamad Viki]]>;
<![CDATA[Ersya Faraby, Muhammad]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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<![CDATA[Islamic business ethics is a standard of business ethics derived from the Quran and Hadith that must be followed by all business people. Doing business is not only aimed at seeking profit, but doing business must be based on ethics. As one of the places where business activities take place, Rojokoyo Animal Market is a cattle market center that is quite famous in the Kediri Regency area. This is because the number of traders is relatively large. Thus giving rise to several behaviors of cattle traders who are prone to cheating in trading. Thus, this study aims to determine the implementation of cattle trader behavior in buying and selling at Rojokoyo Market Kediri based on the perspective of Islamic business ethics. This research method is a descriptive qualitative method with a case study type of research. By using primary data and secondary data obtained by researchers from observations, interviews and documentation to several parties involved, as well as some literature in accordance with the research theme. While the results of this study show that all cattle traders in Rojokoyo Market have implemented the principles of Islamic business ethics.]]>
<![CDATA[STRATEGI PEMASARAN SYARIAH DALAM MENINGKATKAN MINAT NASABAH PEMBIAYAAN PENSIUNAN DI BSI KCP PASAR BABAT LAMONGAN ]]>
<![CDATA[Austinnisa', Fadia]]>;
<![CDATA[Ardyansyah, Farid]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v6n3.p52-62
<![CDATA[This study aims to analyze the sharia marketing strategy applied at BSI KCP Pasar Babat Lamongan in increasing the interest of pension financing customers in 2022 which had decreased. This research uses qualitative methods with data collection techniques that include observation, interviews and documentation. The informants selected in this study are determined by purposive sampling techniques, namely by choosing sources that are considered to know the research topic best. Data analysis uses descriptive analysis, referring to the concept of marketing mix (Product, Price, Place, Promotion, People, Process, Physical Evidence) which is reviewed through the value of sharia marketing from the nature of the Prophet SAW (Shiddiq, Fathanah, Amanah, Tabligh). The results of the study stated that the sharia marketing strategy that implements a marketing mix combined with the exemplary qualities of the Prophet SAW, was able to increase the interest and number of disbursements of pension financing customers in November 2022.]]>
<![CDATA[UMKM Sekitar Pondok Pesantren Temboro dalam Meningkatkan Pendapatannya ]]>
<![CDATA[Bintari, Selfia]]>;
<![CDATA[Cahyono, Hendry]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v6n3.p35-42
<![CDATA[MSMEs will grow in places that attract people to engage in economic activities. One of the high activities carried out by students in one of the Islamic boarding schools in Magetan Regency is Temboro village. Therefore, the aim of this research is to examine the extent to which business opening hours, promotional strategies implemented, funding assistance and raw material costs have an influence on increasing the income of MSMEs. The method used in this research is a quantitative descriptive method using regression. The results of the analysis carried out show that high business opening hours can influence the income of MSMEs around the Temboro Islamic boarding school. MSMEs that carry out good promotional strategies are also able to increase income. Meanwhile, funding assistance provided by relevant stakeholders has not been able to influence the income of business actors in Temboro Village, this is because the assistance provided to MSMEs is less than optimal. However, the cost of raw materials which increases over time as inflation increases can have a negative effect on the income of MSMEs.]]>
<![CDATA[Analisis Pengaruh Return On Equity Dan Earning Per Share Terhadap Harga Saham Pt Bank Syariah Indonesia Tbk ]]>
<![CDATA[Qodhari, Dafelia]]>;
<![CDATA[Musthofa, M. Wakhid]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v6n3.p117-128
<![CDATA[This research examines the relationship between financial ratios and stock prices in PT Bank Syariah Indonesia. This is a quantitative research study that utilizes E-views version 10 software for data analysis. The data is collected in the form of time series from the annual reports of Bank Syariah Indonesia for the years 2021-2022. The analysis method employed is multiple linear regression. Prior to data analysis, classical assumption tests are conducted to ensure that the model meets the Ordinary Least Squares (OLS) assumptions. The results of the hypothesis testing indicate a significant negative influence of both Retrun on Equity (ROE) and Earning Per Share (EPS) on the stock prices of PT Bank Syariah Indonesia Tbk. The implications of the results of this study will contribute to an investor's decision making for a better investment]]>
<![CDATA[Maqashid Sharia Index: Reviewing The Financial Performance Of Sharia Banks In Indonesia During The Outbreak ]]>
<![CDATA[Prahara, Rahma Sandhi]]>;
<![CDATA[Sundari, Sundari]]>;
<![CDATA[Diah Syifaul]]>;
<![CDATA[Andayani, Hirini]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v6n3.p11-18
<![CDATA[In the era of global economic crisis due to the outbreak, according to data obtained from the Financial Services Authority, the total assets of Islamic banking show a positive trend as the assets increase every year. This study aims to assess the performance of Islamic banking in Indonesia before and after the Covid 19 pandemic using the Maqashid Syariah Index (MSI) approach. There are three indicators used in the measurement, namely individual education, the embodiment of justice and the general benefit. Using purposive sampling technique, five Islamic banks with the largest office network, Bank Muamalat Indonesia (BMI), BRI Syariah Bank (BRIS), Mega Syariah Bank (BMS), BJB Syariah Bank (BJBS) and BCA Syariah Bank (BCAS), were selected in which the annual report data were analyzed by using SAW (Simple Additive Weighted). The results of this study indicate that based on the calculation of the Maqashid Syariah Index, there are two Islamic commercial banks in which the financial performance has increased during the pandemic, while the others experienced a decline after the pandemic]]>
<![CDATA[Green BMT dan Mobile UGT: Perspektif Eco-Theology ]]>
<![CDATA[Sulistyowati, Sulistyowati]]>;
<![CDATA[Adhi Purba, Ilyas]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v6n3.p63-78
<![CDATA[Human activities are the main factor in natural imbalance. Climate change will indirectly affect the business activities of every company, including the financial industry. The emergence of the term green economy concept was motivated by increasingly deteriorating environmental conditions. BMT UGT Sidogiri provides digital services via Mobile UGT for members. This service is to reduce paper consumption at branch offices. The paperless concept is a form of activity to reduce paper consumption for a company. The aim of this research is to realize Green BMT through Mobile UGT as a form of paperless service. Based on an Eco-Theology perspective to show the Al-Quran's view of environmental conservation efforts. This research method is a qualitative type. The analysis was carried out descriptively by describing the condition of the object and relying on existing theory. Data obtained secondaryly from various existing sources. The results of this research explain that through Mobile UGT various transactions do not require physical evidence from paper materials. All transaction processes are carried out through the application on member gadgets. Mobile UGT is an example of the contribution of financial institutions in the digital era. Apart from that, realizing green BMT with paperless services. From the perspective of Eco-Theology, there are three things in protecting the environment, firstly understanding human duties as caliphs, secondly using available natural resources wisely and thirdly preserving nature.]]>
<![CDATA[Cash Waqf Linked Green Sukuk: Analisis Multiakad dalam Perspektif Fikih Muamalah ]]>
<![CDATA[Qanita, Ariza]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v6n3.p19-34
<![CDATA[This research aims to examine the sharia legal aspects of cash waqf linked green sukuk from the perspective of fiqh muamalah. Cash waqf linked green sukuk is an innovative form of integration between cash waqf and green sukuk. This instrument has great potential for sustainable economic empowerment. However, in practice, cash waqf linked green sukuk used a hybrid contract that combines Islamic commercial finance and Islamic social finance, so studies regarding its validity are needed. This research used qualitative methods with a normative juridical approach. The research results showed that hybrid contracts in cash waqf linked green sukuk are permitted for several reasons. First, the rule that the basic law of all forms of muamalah is permissible as long as there is no argument (nash) that forbids it. Second, cash waqf and green sukuk are both sharia-based instruments. Third, the integration of cash waqf and green sukuk does not eliminate the substance of waqf to create social welfare for the community. Fourth, cash waqf linked green sukuk encourages more optimal use of funds. Fifth, the transaction is in accordance with the demands of current developments. Sixth, cash waqf linked green sukuk contributes to maintaining a sustainable environment.]]>
<![CDATA[PENGARUH PENERAPAN ETIKA BISNIS SYARIAH TERHADAP KEBERLANJUTAN USAHA : STUDI PADA UMKM DI SURABAYA ]]>
<![CDATA[Pratiwi, Della Rista]]>;
<![CDATA[Rosadi, Danang]]>;
<![CDATA[Nadira, Danish Izza]]>;
<![CDATA[Syahirah, Davelinda]]>
<![CDATA[ Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember ]]>
Publisher : <![CDATA[Universitas Negeri Surabaya ]]>
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DOI: 10.26740/jekobi.v6n3.p258-272
<![CDATA[Business ethics includes establishing moral principles and behavior that business professionals are expected to adhere to. Business ethics plays an important role in creating a fair and transparent business environment for small and medium enterprises (SMEs), which in turn increases customer trust in the products and services offered. This research aims to analyze the concepts and principles of sharia business ethics, identify sharia business practices in SMEs, and measure the impact of implementing sharia business ethics on business sustainability in Surabaya. The method used is a mixed method which combines quantitative and qualitative approaches. The population in this research is SMEs in the city of Surabaya that meet the criteria for running a business according to sharia business ethics, with a sample of 100 sharia SMEs and interviews with 5 sharia SMEs in Surabaya. The research results show that the application of sharia business ethics contributes positively to business sustainability in SMEs in Surabaya, with increased customer trust and more harmonious business relationships. In addition, it was found that SMEs that adopt sharia principles tend to have a better reputation in the eyes of customers. However, this research also found limitations in terms of resources and knowledge regarding sharia business ethics, which could be an obstacle in implementing these principles. The implication of this research is that training and education related to sharia business ethics needs to be improved, especially for newly established SMEs.]]>
