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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 5 Documents
 1 
Search results for , issue "Vol 8 No 2 (2025): Agustus" : 5 Documents clear
Analisis Faktor-Faktor yang Mempengaruhi Minat Deposito Mudharabah di Bank Syariah Indonesia (BSI) di Jawa Timur Fatikhul Islam, Akhlis; Yasin, Ach
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p1-19

Abstract

Islamic banking in Indonesia, especially in East Java, has enormous potential due to the dominant Muslim population that can contribute significantly to the regional economy. However, the level of public participation in using Islamic banking services, especially mudharabah savings, remains low. Therefore, an in-depth study is needed to understand the factors that influence the decision to choose mudharabah deposits in Bank Syariah Indonesia. The purpose of this study is to analyze the factors that can influence the interest of the people of East Java in using mudharabah deposits at Bank Syariah Indonesia (BSI). The method used is a quantitative approach with SEM-PLS analysis. Data was obtained through questionnaires distributed to the people of East Java, resulting in 289 samples for analysis. The results of the analysis indicate that interest in BSI mudharabah deposits is significantly influenced by the variables of attitude toward behavior, religiosity, and risk perception. On the other hand, the variables of subjective norm and perceived behavioral control have not been able to exert a significant influence on interest in BSI mudharabah deposits.
PENGARUH LITERASI KEUANGAN DAN PENDAPATAN PERKAPITA TERHADAP KONSUMSI RUMAH TANGGA DI INDONESIA: ANALISIS EKONOMI ISLAM Wahab, Abd; Suprayitno, Aryadimas; Athallah Susanto, Arva; Rusgianto, Sulistya
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p20-35

Abstract

The decline in people's purchasing power and weakening household consumption growth in recent years pose serious challenges for the Indonesian economy. Financial literacy and income inequality are thought to be factors that influence people's consumption behavior. This study aims to analyze the effect of financial literacy and per capita income on household consumption in Indonesia from an Islamic economic perspective. A quantitative approach was used with panel data regression analysis through the Fixed Effect Estimated Generalized Least Squares (EGLS) model. The data used was secondary data from 34 provinces in Indonesia for the three periods of 2016, 2019, and 2022, sourced from the Financial Services Authority (OJK) and the Central Statistics Agency (BPS). The results of the study show that financial literacy and per capita income have a positive and significant effect on household consumption, which means that the higher the level of literacy and income, the greater the level of consumption. These findings emphasize the importance of improving financial literacy as an effort to strengthen household financial welfare. From an Islamic economic perspective, the results of this study emphasize the importance of fair, balanced, and socially oriented consumption behavior as a manifestation of the implementation of the maqashid sharia principle, which will encourage wiser and more sustainable household financial management.
Analisis Strategi Pemasaran Syariah Berbasis Maqashid Syariah Pada Penjualan Produk Pakaian Muslimah di Branded Moslemwear Aini, Atica Qurrotun; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p65-75

Abstract

This study aims to analyze the marketing strategy sharia based on maqashid sharia in the sale of Muslim clothing products at Branded Moslemwear. The study used a qualitative approach with a case study method, where data was collected through interviews, observations, and documentation, then analyzed using NVivo software. The results showed that Branded Moslemwear implemented a marketing strategy based on the 4P marketing mix (Product, Price, Place, Promotion) which was adjusted to the principles of maqashid sharia, namely maintaining religion (hifzh al-din), soul (hifzh al-nafs), wealth (hifzh al-mal), reason (hifzh al-aql), and descendants (hifzh al-nasl). The product strategy is focused on halal, comfortable, and sharia-compliant Muslim clothing. Prices are set fairly by paying attention to quality and providing discounts. Distribution is carried out through physical stores, online platforms, and resellers to expand market reach. Promotion is carried out transparently through social media and marketplaces, with education about the importance of dressing in accordance with sharia. The implementation of maqashid sharia in marketing not only increases business profits but also creates blessings and welfare for customers.
Switching Intention Nasabah Bank Konvensional ke Bank Syariah: Studi Kasus Mahasiswa Ekonomi Islam di Surabaya Fata Habibullah; Canggih, Clarashinta
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p36-56

Abstract

The development of Islamic banking in Indonesia shows a positive trend, yet its market share still lags behind conventional banks. This study aims to analyze the factors that influence Islamic Economics students in Surabaya to switch from conventional to Islamic banks. The Push-Pull-Mooring (PPM) framework was employed, covering push factors (price perception, service quality, satisfaction), pull factors (alternative attractiveness), and mooring factors (Islamic financial literacy, religiosity, subjective norms). A quantitative method was applied using Partial Least Square-Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software, involving 162 respondents from three public universities in Surabaya. The results reveal that all push, pull, and mooring variables have a positive and significant influence on switching intention. These findings highlight the role of financial literacy and religious values in motivating the shift toward Islamic financial services among young Muslim generations. This research offers practical implications for Islamic bank marketing strategies to enhance service attractiveness and expand into academic markets.
Implementation of CSR Programs by Tjoekir Sugar Factory Towards the Welfare of Cukir Village Community Ferdiyansyah, Muhammad; Yasin, Ach.
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p57-64

Abstract

This study aims to analyze the implementation of Corporate Social Responsibility (CSR) programs carried out by Pabrik Gula (PG) Tjoekir and their impact on the welfare of the community in Cukir Village. The research employed a descriptive qualitative approach using interviews, observations, and documentation as data collection techniques. The results indicate that PG Tjoekir’s CSR initiatives are categorized into four main sectors: economy, socio-cultural, infrastructure, and health. In the economic sector, the company implements sugarcane farming partnerships and entrepreneurship training. However, employment through fixed-term contracts (PKWT) is excluded from CSR since it is part of the company’s operational activities governed by tax law No. 36 of 2008 and Company Law No. 40 of 2007. In the socio-cultural domain, the company supports religious and cultural events such as the Haul of Gus Dur and contributes to the construction of worship facilities. In the infrastructure sector, CSR contributions include road development and the normalization of 2,700 meters of irrigation canals. In the health sector, PG Tjoekir facilitates free medical services, fogging, and the distribution of food packages and vitamins to the community. Overall, these programs have had a positive impact on improving community welfare, although the benefits are not yet fully equitable and participatory. The study concludes that PG Tjoekir's CSR addresses key aspects of the Triple Bottom Line and Maqashid Shariah values. However, improvements are needed in transparency, impact evaluation, and community engagement to ensure inclusive and sustainable development.

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