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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 350 Documents
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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.
Pengaruh Etika Bisnis Islam Terhadap Kepuasan Pelanggan (Studi Kasus UKM Holden Martabak Terang Bulan) Jannah, Fitria Hikmatul; 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.v8n1.p186-194

Abstract

This research aims to analyze the influence of Islamic business ethics on customer satisfaction at SME Holden Martabak Terang Bulan. Islamic business ethics include the principles of honesty, justice, responsibility and concern for customers. This research uses quantitative methods with a descriptive approach. Data was collected by distributing questionnaires to SME Holden Martabak Terang Bulan customers. The data analysis technique uses simple linear regression to determine the influence of Islamic business ethics on customer satisfaction. The research results show that Islamic business ethics have a positive and significant effect on customer satisfaction. This can be seen from indicators of honesty in sales, fair product quality, responsible service, and concern for customer needs. Customer satisfaction increases along with the implementation of Islamic business ethics principles. This research provides important implications for SMEs to always apply Islamic business ethics in operational activities in order to be able to maintain customer loyalty.
Systematic Literature Review on the Role of Islamic Leadership in Managing Social Funds to Reduce Socio-Economic Inequality Reni Marlina, Chairani Firstia Rizal
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 3 (2025): Desember On Process
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n3.p48-65

Abstract

This study aims to analyze the role of Islamic leadership in managing social funds to reduce socio-economic inequality through a systematic literature review. Islamic social funds, such as zakat, infaq, sadaqah, and waqf, have significant potential to improve economic and social welfare, especially for the poor and marginalized groups. However, the effectiveness of their management largely depends on the quality of the leadership overseeing and managing these funds. Therefore, this research examines how various models of Islamic leadership, based on Sharia principles, can contribute to the management of social funds to reduce economic inequality in society. Based on the analysis of relevant studies, this research identifies several key factors in Islamic leadership, including transparency, accountability, and sustainability, that influence the success of social fund management. The results of this literature review indicate that leadership that is just and oriented towards the welfare of the community has a significant impact on wealth distribution and poverty reduction. This study also emphasizes the importance of a strategic approach in managing social funds to achieve more equitable social and economic justice.
Pengaruh Islamic Financial Literacy, Mental Accounting, dan Subjective Norm terhadap Perilaku Pengelolaan Keuangan Mahasiswa KIP Kuliah dengan Locus Of Control Sebagai Variabel Intervening Annisa, Zhella Annisa; Indrarini, Rachma
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 3 (2025): Desember On Process
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n3.p24-47

Abstract

Financial management issues among university students often arise due to limited financial literacy, weak self-control, and a social environment that does not fully support healthy financial behavior. This becomes even more crucial for KIP-K scholarship recipients, who are required to manage their educational aid funds wisely and in accordance with Islamic principles. This study aims to examine the influence of Islamic financial literacy, mental accounting, and subjective norm on the financial management behavior of Muslim students receiving the KIP-K scholarship at the Faculty of Economics and Business, Universitas Negeri Surabaya, with Locus of control as a mediating variable. A quantitative approach was employed, involving 256 respondents and analyzed using the SEM-PLS method. The results indicate that all independent variables have a positive and significant effect on both financial management behavior and Locus of control. Furthermore, Locus of control significantly mediates the relationship between the three independent variables and financial behavior. These findings suggest that Muslim KIP-K scholarship recipients at FEB UNESA tend to demonstrate sound financial management behavior, characterized by careful financial planning, strong self-control, and adherence to Islamic financial principles.
Pengaruh Literasi dan Inklusi Keuangan Syariah Terhadap Kinerja Keuangan UMKM di Surabaya Alfarisy, Fathor Rozy; Canggih, Clarashinta
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.p172-185

Abstract

In Indonesia, Mikro, Small, and Medium Enterprises (MSMEs) are one of the important pillars in Indonesia’s economic development where they make a large contribution to the country’s economy. In the dynamics of   the global economy, the resilience and stability of the country’s economy not only depends on the size of the corporate sector, but also on the strength of the MSMEs sector, which is an important foundation. The present study employs a quantitative associative research method, with multiple linear regression analysis used as the data analysis technique. The findings indicate that financial literacy and Islamic financial inclusion have a significant effect on the financial performance of MSMEs in Surabaya. The results further demonstrate that Islamic financial literacy and inclusion contribute directly to the improvement of MSMEs’ financial performance. Therefore, the strengthening of education and access to Islamic financial services needs to be continuously enhanced
PENGARUH PEMBIAYAAN PLS DAN NON-PLS TERHADAP KINERJA BANK SYARIAH DI INDONESIA Mubarok, Alrojak; Yasin, Ach.
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.p195-212

Abstract

This study aims to analyze the effect of Profit and Loss Sharing (PLS) and Non-PLS-based financing on the performance of Islamic banks in Indonesia. The background of this study is based on the dominance of Non-PLS contracts, especially murabahah, in Islamic bank financing portfolios, although PLS contracts are considered more ideal in accordance with sharia principles. The study uses a quantitative approach with a multiple linear regression method. Secondary data were obtained from the monthly financial reports of Islamic banks for the period 2019–2024 published by the Financial Services Authority (OJK). The results show that PLS financing has no significant effect on Islamic bank performance, while Non-PLS financing is proven to have a positive and significant effect on bank profits. Simultaneously, both types of financing have a significant effect on Islamic bank performance with a coefficient of determination of 0.916, meaning that 91.6% of the variation in bank performance can be explained by PLS and Non-PLS financing. This finding indicates that although PLS is in accordance with the principles of sharia justice, the dominant contribution to Islamic bank profitability still comes from Non-PLS financing.
PENGARUH HUMAN CAPITAL, ECONOMIC FREEDOM, DAN CAPITAL FORMATION TERHADAP PEMBANGUNAN EKONOMI ISLAM DI NEGARA-NEGARA OKI Indirwan, Syanisma; Susanto, Arva Athallah; Herianingrum, Sri; Widiastuti, Tika; Robani, Anidah Binti
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 3 (2025): Desember On Process
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n3.p1-23

Abstract

This study aims to analyze the influence of human capital, economic freedom, and capital formation on Islamic economic development in the member countries of the Organization of Islamic Cooperation (OIC). Using a quantitative approach with panel data from nine OIC countries over the period 2002–2023, the study employs a multi-method panel regression model, including Pooled OLS, Fixed Effect, Random Effect, PCSE, and System GMM. The Human Development Index (HDI) is used as a proxy for Islamic economic development, while the independent variables include dimensions of human capital (MYS and LE), economic freedom (LABF, MONF, TRAF, INVF, FINF), and capital formation (GCF). The analysis results show that variables such as Life expectancy, Gross capital formation, Monetary freedom, and Financial freedom consistently have a significant positive effect on HDI in most models, while variables such as Trade Freedom, Investment Freedom, and Mean Years of Schooling show inconsistent or insignificant effects. This study highlights the importance of synergy between human investment policies, macroeconomic stability, and the Islamic financial system in fostering sustainable and socially just economic growth in the Islamic world. The policy implications of these findings encourage strengthening the health sector, spiritually oriented education, and inclusive Islamic financial governance to accelerate the achievement of the Sustainable Development Goals (SDGs) in OIC countries.
THE INFLUENCE OF DIGITAL LITERACY AND PERCEPTION OF EASE OF USE ON PURCHASE DECISIONS: ISLAMIC CONSUMPTION ETHICS AS MODERATION Az-Zuhdiyyah, Hafshah Afifah; Abdullah, Muhammad Ammar; 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

Abstract

This study aims to analyze the influence of digital literacy and perceived ease of use on consumer purchasing decisions on e-commerce platforms, with Islamic consumption ethics as a moderating variable. Digital literacy is considered important because it influences consumers' ability to access and evaluate digital information effectively, while perceived ease of use reflects users' comfort in interacting with the platform. In the context of Muslim consumers, consumption ethics such as halal, fairness, and simplicity are also important considerations in decision-making. This study uses a quantitative approach with a survey method through a Likert scale questionnaire 1–5 to Muslim e-commerce users in Indonesia. The sampling technique used is non-probability sampling with a purposive sampling method of Muslim consumers using e-commerce in Indonesia. The collected data were analyzed using PLS-SEM techniques to test the direct and moderating effects. The results of this study indicate that digital literacy and perceived ease of use have a positive and significant effect on purchasing decisions in e-commerce. However, Islamic consumption ethics is not proven to moderate the relationship between digital literacy and purchasing decisions or between perceived ease of use and purchasing decisions. These findings provide implications for e-commerce players to improve the quality of digital services and also provide input for Muslim consumers to be wiser in utilizing the convenience of digital platforms in accordance with the principles of Islamic consumption ethics.
DOES PRODUCT INNOVATION ENHANCE MUSTAHIQ WELFARE THROUGH THE MEDIATION OF ISLAMIC BUSINESS SUCCESS? A PARTIAL LEAST SQUARES STRUCTURAL EQUATION MODELLING APPROACH Tamamala, Zailan Basri; Rajasa, Muhammad Attar Indra; Ratnasari, Ririn Tri
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 3 (2025): Desember On Process
Publisher : Universitas Negeri Surabaya

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

Abstract

The welfare of mustahiq (zakat recipients) is one of the primary objectives of implementing productive zakat in the Islamic economic system. This study focuses on the mediating role of Islamic business success in the relationship between product innovation and mustahiq welfare. Referring to the principles of maqasid al-Shari'ah, a quantitative approach was used in this study, where primary data were obtained from micro-entrepreneurs who are recipients of productive zakat in Indonesia. Analysis using Partial Least Squares-Structural Equation Modeling (PLS-SEM) shows that product innovation significantly contributes to the success of Islamic businesses, ultimately improving the welfare of mustahiq. Furthermore, Islamic entrepreneurial motivation and entrepreneurial competency are proven to be essential factors influencing business success and its impact on sustainably improving the quality of life of zakat recipients. This study highlights the importance of a holistic approach integrating spiritual, social, and economic dimensions in zakat-based empowerment programs. These findings provide strategic recommendations for zakat institutions to design more effective interventions to support the financial independence of mustahiq and achieve the goals of sustainable Islamic social finance.

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