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Ach. Yasin
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INDONESIA
Jurnal Ekonomika dan Bisnis Islam
Published by Universitas Negeri Surabaya
ISSN : -     EISSN : 2686620X     DOI : https://doi.org/10.26740/jekobi
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomika dan Bisnis Islam mencakup studi ilmu Ekonomi Islam yang terdiri dari: Ekonomi dan Bisnis Islam Kewirausahaan Islam Zakat dan Wakaf Akuntasni Syariah Keuangan dan Perbankan Syariah
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "Vol 8 No 1 (2025): April" : 15 Documents clear
The Dynamics of Price Competition from Islamic Economic Perspective Wicaksono, Rianto Anugerah
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p1-19

Abstract

The rapid growth of Indonesia's e-commerce sector has triggered market saturation, driven by increasing sellers, technological advancements, and consumer price sensitivity. This study aims to analyze the dynamics of market saturation and price competition, focusing on their implications for sellers and consumers. Employing a qualitative approach, the research integrates thematic analysis and causal-loop diagrams to uncover the relationships between market forces and their effects. Findings reveal that low entry barriers and high price transparency intensify price competition, reducing profitability and driving unsustainable practices. Consumers, increasingly price-sensitive, prioritize affordability over quality, creating a negative feedback loop that exacerbates saturation. From an Islamic economic perspective, these dynamics violate the principles of justice (al-adl) and balance (al-mizan), emphasizing the need for ethical business practices and equitable competition. This research underscores the importance of innovative strategies and policy interventions to create a fairer and more sustainable e-commerce ecosystem aligned with Islamic principles.
DETERMINAN NIAT MEMBELI MAKANAN HALAL SECARA ONLINE DI INDONESIA: INTEGRASI UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) DAN THEORY OF PLANNED BEHAVIOR (TPB) Lestari, Nurrizka Puji; Wahab, Abd.; Widiastuti, Tika
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p33-52

Abstract

This study aims to analyze the factors influencing the intention to purchase halal food through online platforms among Generation Z in Indonesia. The research is based on data from 145 respondents, analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that facilitating conditions and social influence do not significantly affect attitude, although social influence has a significant impact on purchase intention. Performance expectancy significantly influences both attitude and intention, while effort expectancy significantly affects attitude but not intention. Overall, attitude has a significant impact on purchase intention. Based on these findings, Shopee Barokah should enhance its performance by ensuring the platform is user-friendly through optimized interface design and the addition of features that simplify the purchasing process. Moreover, advertisements featuring influencer reviews can be strengthened to leverage the significant effect of social influence on purchase intention. Ensuring smooth technological and infrastructural support such as responsive customer service, secure payment methods, and fast delivery can further boost Generation Z’s intention to shop on the platform.
Pengaruh Non-Performing Financing, Dana Pihak Ketiga, Dan Likuiditas Terhadap Profitabilitas Bank Syariah Di Indonesia Zakaria, Muhammad Rizki; Yoga, Andriawan; Dwiputri, Inayati Nuraini
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p141-152

Abstract

Islamic banks function as financial intermediaries that mobilize public funds through Sharia-compliant contracts and channel them into financing activities. The primary source of financing comes from Third-Party Funds, while liquidity risks and financing strategies play a critical role in determining financial performance. This study aims to see the effect of Non-Performing Financing, Third Party Funds, and liquidity on the profitability of Islamic banks in Indonesia. Non-Performing Financing is represented by Non-Performing Financing ratio and liquidity is represented by Short-Term Mistmach ratio. Profitability is represented by the Return on Asset ratio. The method employed in this study is a quantitative research method. The data utilized consist of secondary data from Islamic Banking Statistics covering the period from the first quarter of 2015 to the fourth quarter of 2023. The results of this study show that DPK has a significant effect on the profitability of Islamic banks. While NPF and liquidity have no significant effect on the profitability of Islamic banks. The mobilization of Third-Party Funds constitutes a key strategy for enhancing the profitability of Islamic banks in Indonesia, while prudent management of non-performing financing (NPF) and liquidity is essential to sustain stability and maintain public confidence in the Islamic banking sector.
Pengaruh Kualitas Pelayanan, Pemasaran Syariah Dan Etika Bisnis Syariah Terhadap Keputusan Generasi Milenial Menjadi Nasabah Pada Bank Syariah Di Surabaya Warni, Fortuna Septiyaning; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of sharia banking has caused the banking industry to become increasingly competitive, namely competition between sharia banking and conventional banking or fellow sharia banks to gain respective profits. Currently, the millennial generation is considered as potential consumers for Sharia banking. The millennial generation has the potential to increase economic activity, including the Sharia economy. This research is quantitative with a causal associative approach, and uses a non-probabilistic sampling method. The Structural Equation Model (SEM) analysis technique uses the PLS application. The results of this study show that Islamic marketing and Islamic business ethics influence millennials’ decisions to become customers of Islamic banks. In contrast, service quality does not affect their decision to choose Islamic banks. This means Islamic banks should focus on strategies related to Islamic marketing and the application of Islamic business ethics to attract millennial customers. On the other hand, improving service quality alone is not enough, so banks need to highlight the unique value of sharia principles in their marketing strategies.
Analisis Strategi marketing Syariah Untuk Meningkatkan Minat Beli Konsumen Pada Kopi Kenangan Surabaya Naqib, Ahmad An Naqib; Ajib Ridlwan, Ahmad
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p102-112

Abstract

The cafe industry is booming with the rise of local brands like Kopi Kenangan, which embraces the grab-and-go concept and leverages technology and social media to attract consumers. This study aims to avoid unfair competition and things that deviate from Shari'a because they generate business income that is not Halal, implementing a sharia marketing strategy (theistic, ethical, realistic, humanistic) can overcome this impact. Analyzing the sharia marketing strategy at Kopi Kenangan Surabaya is the goal chosen by the researchers. This research uses a descriptive qualitative research type, by obtaining data using observation, interviews, and documentation methods. This study uses primary and secondary data sources. The selected primary data sources are interviews with the Kopi Kenangan Surabaya Store Manager, employees, and consumers. Meanwhile, the secondary data sources are journals or literature on sharia marketing. Based on the research results, it can be concluded that the sharia marketing strategy to increase consumer buying interest in Kopi Kenangan Surabaya The Avenue MERR is considered to comply with Islamic law and has succeeded in increasing consumer buying interest with several supporting factors that influence consumer buying interest. It would be a good feeling if the research was carried out by looking for the influence of sharia marketing strategies that have an impact on consumer buying interest.
MODEL KOPERASI ISLAM DARI BEBERAPA NEGARA MUSLIM DAN NON MUSLIM Amalia, Hani Khairo; Hidayat, Rofik
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p113-128

Abstract

This study explores the Islamic cooperative model, which is gaining increasing attention in the global economy, particularly among member countries of the Organization of Islamic Cooperation (OIC). Islamic economic principles, which emphasize social values, justice, and community empowerment, face challenges such as low human resource quality, limited capital, inadequate managerial capabilities, and low member awareness. With the rapid growth of cooperatives in various countries, new challenges and opportunities have emerged in developing cooperative models that align with Islamic economic principles while integrating local values and culture. This study aims to explore and analyze successful cooperative models implemented in several countries and investigate strategies and innovations for the sustainable and inclusive development of Islamic cooperatives. Using bibliometric and content analysis, this research finds that several Muslim and non-Muslim countries have developed innovative Islamic cooperative models. Integration with fintech can enhance efficiency and financial inclusion. Islamic cooperatives have demonstrated positive impacts on the economic and social welfare of communities. Recommendations include fostering innovation, promoting international collaboration, providing government policy support, and enhancing education and promotion to improve understanding and acceptance of Islamic cooperatives. Future research is suggested to conduct comparative studies, explore technology integration, and assess long-term impacts to expand the understanding of Islamic cooperative models and their potential.
Analisis Kritis Teori Penetapan Harga Adam Smith Rochma Aulia Supandi; Khoirul Umam
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p70-78

Abstract

This study aims to provide a critical analysis of Adam Smith's pricing concept from an Islamic economic perspective and offer a new framework for its Islamization. Although previous studies have discussed Islamic critiques of Smith's theory, most have been limited to descriptive comparisons without offering an integrated model for its application. This study differs by systematically mapping the components of Smith's pricing theory the role of the market, the role of government, business ethics, objectives, and pricing mechanisms and then reconstructing them into a practical Islamic pricing framework grounded in the principles of the Qur'an, hadith, and classical fiqh thought. This study employs a qualitative literature review method by synthesizing primary and secondary literature, categorizing concepts, and reinterpreting them through Islamic jurisprudence. The resulting framework not only highlights the theoretical gap between Smith's perspective and Islamic economics but also provides a structured reinterpretation that can be directly applied by policymakers and economic actors to ensure pricing practices align with Islamic ethical and legal standards.
Analisis Kinerja Divisi Penghimpunan di Lazisnu Kabupaten Mojokerto Ulin Nuha, Mohamad; Suryaningsih, Sri Abidah
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p129-140

Abstract

Nahdlatul Ulama' as the largest Islamic organization in Indonesia has a large mass base. The potential of zakat, infaq and shodaqoh (ZIS) funds is also estimated to be directly proportional to the amount of time. Lazisnu as an institution that is part of nahdlatul ulama' has the responsibility to manage these funds, including to collect them. Therefore, the fundrising division is the main focus in this study. One of the lazisnu service offices is Lazisnu Mojokerto Regency. This study aims to determine the performance and evaluation of the fundrising division in Lazisnu Mojokerto Regency by using a qualitative approach through data collection through observation, interviews and documentation. The results of this study show that Lazisnu Mojokerto Regency in the performance of its fundrising division prioritizes direct fundrising through formation UPZIS and JPZIS, but also continues to carry out indirect fundrising, although not optimally. The performance of the fundrising division still needs to be improved through evaluation and also by setting targets. The tradition of distributing zakat, especially zakat fitra, must also be a spesial focus through understanding and socialization.
Pengaruh Label Halal dan Konformitas terhadap Keputusan Pembelian Produk McDonald's yang Terafiliasi Israel pada Mahasiswa di Surabaya Yasmin, Putri Alia; Susilowati, Fitriah Dwi
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n1.p79-91

Abstract

Indonesia, as a country with a Muslim-majority population, places the halal label as an important factor in purchasing decisions. However, there is a gap between halal awareness and the actual consumption behavior of students amid the issue of boycotting products affiliated with Israel. The aim of this research is to analyze the influence of halal labeling and conformity on purchasing decisions for McDonald's products affiliated with Israel among students in Surabaya. This research method uses quantitative methods with data sources using questionnaires distributed online. Sampling using purposive sampling technique with 100 respondents. The technique used in data analysis is multiple linear regression in SPSS 30 software. In this research, the results showed that there was an influence between halal labeling and conformity on the decision to purchase Israeli-affiliated McDonald's products among students in Surabaya. This shows that students studying in Surabaya in consuming McDonald's products still consider halal labeling in accordance with their responsibilities as Muslims who are openly ordered by Allah, as well as the influence of social groups to decide on purchases in adjusting consumption behavior through product preferences to be consumed
PENGARUH TOTAL PEMBIAYAAN, DANA PIHAK KETIGA (DPK), DAN NON-PERFOMING FINANCING (NPF) TERHADAP PROFITABILITAS (ROE) PT. BANK MUAMALAT INDONESIA TBK. PERIODE 2014-2024 Putri, Diva Carrisa; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 1 (2025): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p20-32

Abstract

Bank Muamalat as a growing Islamic bank, BMI faces challenges in increasing its profitability by as-sessing the effectiveness of equity management and identifying strategies that can improve financial performance. This study aims to analyze the effect of Total Financing, Third Party Funds (DPK), and Non-Performing Financing (NPF) on Profitability (Return on Equity / ROE) at PT Bank Muamalat Indo-nesia Tbk during the period 2014-2024. The research method used is associative quantitative, with secondary data in the form of quarterly financial reports of Bank Muamalat which are analyzed using Multiple Linear Regression through SPSS software. The results showed that Total Financing has a positive and significant effect on ROE, while DPK and NPF have a negative and significant effect on ROE. Simultaneously, Total Financing, DPK, and NPF have a significant effect on ROE. This finding confirms that an increase in financing can increase profitability, but high credit risk (NPF) and less than optimal DPK management can reduce the return on equity (ROE). Therefore, Bank Muamalat needs to optimize financing strategies, improve the efficiency of DPK management, and strengthen credit risk mitigation to increase profitability and competitiveness in the Islamic banking industry.

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