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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 377 Documents
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The Potential For Gharar and Monopoly in Grab’s Acquisition Of Goto: A Sharia Economic Perspective on Indonesia’s Digital Market M. Andika Yuda Pratama
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.p147-158

Abstract

The rapid consolidation of Indonesia’s digital economy marked by platform giants like Grab, Gojek, and Tokopedia raises urgent concerns about market fairness, transparency, and ethical conduct. One particularly significant development is the rumored acquisition of GoTo by Grab, which could reshape the competitive landscape of digital transport, fintech, and e-commerce. This study investigates the potential presence of gharar (excessive uncertainty) and ihtikar (monopoly) within the context of Islamic economic ethics. The primary aim of this research is to analyze the structure and implications of the Grab-GoTo acquisition through the lens of Shariah, focusing on the principles of ‘adl (justice), maslahah (public benefit), and la dharar wa la dirar (no harm and no reciprocation of harm). Using a qualitative descriptive-analytical approach, this study employs a literature review method, drawing data from official reports, regulatory documents (KPPU, OJK, Law No. 5/1999), DSN-MUI fatwas, and peer-reviewed journals. Content analysis is applied to examine asymmetries in information, speculative valuations, and the market dominance likely to arise post-acquisition. Findings indicate the presence of significant gharar, particularly in the areas of valuation opacity and information asymmetry, which may disadvantage retail investors. Moreover, the acquisition risks forming a digital ihtikar by centralizing control over consumer data and essential digital services, potentially harming competition and limiting consumer choice. These outcomes challenge core Islamic economic values and necessitate stronger ethical and regulatory interventions. The study concludes that while digital consolidation may yield economic efficiencies, it must be closely regulated to avoid ethical violations and structural harm. Further research is encouraged to develop Shariah-aligned antitrust frameworks capable of addressing emerging complexities in digital markets.
The Effectiveness of The Role of Influencers in Grab's Business Communication Strategy: An Analysis of The Impact on Consumer Trust. Adi Syahputra; Suci Wulandari Siregar; Putri Nawarni Harahap; Irani Adwiyah Rambe
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.p131-146

Abstract

This study aims to analyze the effectiveness of the role of influencers in Grab's business communication strategy and its impact on consumer trust, especially among Gen Z. Using a descriptive qualitative approach, data were obtained through in-depth interviews with Grab drivers, influencers, and consumers. The results showed that the use of influencers, especially micro-influencers, has proven effective in building consumer trust through authentic, personal, and relatable content. However, this strategy also faces challenges such as mismatched expectations, saturation of promotional content, and message inconsistency. A SWOT analysis identified Grab's strengths in reaching the Gen Z market emotionally, opportunities from the growth of social media users, as well as threats from competitors and reputational risks due to negative content. This study contributes to the development of a business communication strategy that is adaptive, transparent, and aligned with the values ​​of digital consumers.
Strategy To Eliminate Riba In Ethical Fintech Practices Ihsan Rafifalah
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.p124-130

Abstract

The development of Islamic financial technology (fintech) responds to the need for digital financial services that align with Islamic legal and ethical principles. However, the globalization of digital finance also brings the risk of riba infiltrating business models that lack standardized shariah compliance. This study aims to identify and analyze strategies to eliminate riba in ethical fintech practices in Indonesia. Using a qualitative-descriptive approach based on literature and current regulatory analysis, the study found three main strategies: (1) integrating shariah-based contracts into product design; (2) utilizing smart contract and blockchain technology to ensure automatic and transparent shariah compliance; and (3) strengthening the role of the Shariah Supervisory Board (SSB) in product innovation and oversight. The findings suggest that riba elimination in ethical fintech requires synergy between legal frameworks, digital infrastructure, and religious authority.
Perceived Risk Over Halal Awareness: Driving Halal Skincare Purchase Intention Among Gen Z Muslim Women Ali Imaduddin Futuwwah; Phonny Aditiawan Mulyana; Muhammad Anang Firmansyah
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 2 (2026): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v9n2.p1-21

Abstract

The halal skincare market has expanded significantly, driven by increasing religiosity and heightened consumer concern over product safety among Muslim populations. Despite this growth, scholarly understanding of how halal awareness translates into actual consumer attitudes remains inconsistent across empirical studies. Drawing on the Theory of Planned Behaviour (TPB), this study investigates the roles of halal awareness and perceived risk in forming consumer attitudes and, subsequently, purchase intentions toward halal skincare products. A quantitative approach was employed, with data gathered from 200 Generation Z Muslim female university students using a structured self-administered questionnaire. Hypothesized relationships were evaluated through Partial Least Squares Structural Equation Modelling (PLS-SEM). Findings reveal that halal awareness exerts no significant direct effect on consumer attitudes toward halal skincare, whereas perceived risk demonstrates a significant and positive influence on attitude formation. Furthermore, consumer attitude was confirmed as a significant mediator linking perceived risk to purchase intention. These results suggest that among Gen Z Muslim female consumers, risk-related cognition holds greater behavioral relevance than religious knowledge in cultivating favorable attitudes toward halal skincare. This study advances the halal marketing literature by broadening the TPB framework through the incorporation of perceived risk as a key antecedent, while offering actionable insights for brand managers and marketers operating in the halal cosmetics sector.
DAMPAK DINAMIKA INFLASI, NILAI TUKAR RUPIAH, DAN KEBIJAKAN BI-RATE TERHADAP KINERJA INDEKS SAHAM SYARIAH INDONESIA (ISSI) DALAM ERA PASCA-PANDEMI COVID-19 Anisa Nur Aini; Norma Rosyidah
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 3 (2025): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n3.p126-141

Abstract

The performance of Islamic equity markets is closely linked to macroeconomic stability, yet the relative influence of key macroeconomic indicators remains inconclusive. This study examines the effects of inflation, the rupiah exchange rate, and the BI Rate on the Indonesian Sharia Stock Index (ISSI) from January 2020 to December 2024. Multiple linear regression was applied to monthly data obtained from the Financial Services Authority (OJK), Bank Indonesia, and Statistics Indonesia (BPS). The results show that inflation does not significantly affect the ISSI (p = 0.188), whereas the rupiah exchange rate (p = 0.027) and the BI Rate (p = 0.001) have significant effects. Collectively, the three variables significantly explain variations in the ISSI (F = 43.044, p < 0.001). The findings indicate that Islamic equity performance during the study period was more responsive to exchange rate movements and monetary policy than to inflation. This study underscores the importance of monetary and exchange rate stability in strengthening Islamic capital market resilience and provides relevant insights for investors in portfolio decision-making and for policymakers in maintaining a stable environment for the sustainable development of Indonesia’s Islamic capital market.
ANALISIS PRINSIP EKONOMI ISLAM TENTANG PERILAKU FoMO GEN Z DALAM PEMBELIAN MAKANAN VIRAL DI TIKTOK (Studi Kasus pada Gen Z di Kota Cilegon) Devinta Putri Ayu; Muhamad Fakhrudin; Mohamad Ainun Najib
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 1 (2026): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v9n1.p118-130

Abstract

This study examines the Fear of Missing Out (FoMO) behavior of Generation Z in purchasing viral food on TikTok from the perspective of Islamic economics. This research employs a qualitative method with a case study approach. Data were collected through interviews, observations, and documentation involving Generation Z in Cilegon City. The results indicate that FoMO behavior in purchasing viral food is influenced by social media exposure, peer pressure, and the ease of digital transactions, which encourage impulsive consumption behavior. From the perspective of Islamic economics based on M. Umer Chapra’s framework and maqāṣid al-sharī‘ah, this behavior shows inconsistency with Islamic consumption principles, particularly regarding the prohibition of extravagance (israf), self-control, and balance between material and spiritual needs. However, this study also finds that some informants have developed awareness and begun to apply consumption behaviors that are ore aligned with Islamic values.
FAKTOR – FAKTOR YANG MEMPENGARUHI MINAT INVESTASI SAHAM SYARIAH DI INDONESIA (META ANALYSIS) Miftakul Khoiriyah; Clarashinta Canggih
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 1 (2026): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v9n1.p76-88

Abstract

Although the Islamic capital market in Indonesia has experienced sustained growth, investor interest in Islamic equities remains lower than that of conventional stocks. This research aims to examine the determinants of interest in Islamic stocks in Indonesia through a meta-analytical approach.. There are inconsistencies in previous studies regarding the influence of certain factors on interest in Islamic stock investment, so meta-analysis is used to measure the variability between study results. The variables in this study include psychological factors such as financial literacy and motivation, cognitive bias factors such as capital, risk, and return, and Islamic value factors such as religiosity. Study outcomes demonstrate that financial literacy, motivational factors, capital, and religiosity significantly affect the observed variable.
Pengaruh Persepsi Kegunaan dan Persepsi Kemudahan Informasi Media Sosial terhadap Pembayaran Zakat melalui BAZNAS dengan Kepercayaan sebagai Variabel Mediasi Eka Yuliana Intan Permatasari Winarsih; Maryam Bte Badrul Munir
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 1 (2026): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v9n1.p89-101

Abstract

This study aims to analyze the effect of Perceived Usefulness and Perceived Ease of Use of Social Media Information on Zakat Payment through BAZNAS with Muzaki Trust as a mediating variable. This study uses a quantitative approach with primary data form an online questionnaire. Purposive sampling technique was used with 160 respondents from civil servants in Mojokerto Regency. Data analysis used Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The results showed that Perceived Usefulness and Perceived Ease of Use had a positive significant effect on Trust,, and Trust had a positive significant effect on Zakat Payment. Trust was proven to mediate the effect of Perceived Usefulness and Perceived Ease of Use on Zakat Payment. The implication of this research is that BAZNAS needs to improve the quality of useful, relevant, and easy-to-understand information through social media to build muzaki trust, which ultimately encourages sustainable zakat payment decisions.
Analisis Bibliometrik Pemetaan Tren Penelitian Manajemen Dana Perbankan Syariah Silvia Ripa Nurkaromah; Muhamad Fasya Nur Arbaien
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 1 (2026): April
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v9n1.p102-117

Abstract

Fund management is crucial for maintaining the intermediation function, stability, and profitability of Islamic banking. This study aims to map the development and trends in research on Islamic banking fund management during 2016–2026 using a descriptive bibliometric approach. A total of 985 articles were retrieved through Publish or Perish from Google Scholar, Crossref, and OpenAlex and analyzed using VOSviewer through network, overlay, and density visualization. The results identified five main clusters covering financial performance and financing, Islamic financing instruments and profitability, liquidity and financial stability, risk management, and financial innovation. The overlay visualization indicates a shift in research focus from fundamental issues, such as liquidity risk and profitability, toward contemporary issues, such as financial innovation and financial inclusion. These findings broaden the theoretical understanding of the increasingly multidimensional development of fund management research and provide practical implications for identifying research opportunities and improving fund management practices in Islamic banking.
RELEVANSI KEPEMIMPINAN ISLAMI PADA GENERASI Z DI ERA DIGITAL: KAJIAN LITERATUR Fathima Azzahra; Achsania Hendratmi
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 2 (2026): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v9n2.p22-39

Abstract

The rapid development of digital technology has transformed the characteristics of Generation Z and created new challenges for organizations in developing leadership approaches that meet the expectations of this generation. This study aims to analyze the characteristics of Generation Z in the digital era, identify the leadership challenges faced by organizations, and examine the relevance of Islamic leadership values in addressing these challenges. This study employed a qualitative approach using a library research method. The findings indicate that Generation Z is highly adaptive to technology, values workplace flexibility and open communication, and seeks opportunities for personal development. These characteristics require leaders to establish effective communication, foster trust-based relationships, and adapt to rapid changes. The Islamic leadership values of siddiq, amanah, tabligh, and fathanah are relevant to addressing leadership challenges in the digital era by strengthening integrity, responsibility, communication, and decision-making. The findings contribute theoretically by extending the discussion of Islamic leadership to the context of Generation Z and the digital era, while also providing practical implications for organizations and leaders in developing more adaptive leadership approaches grounded in Islamic values.

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