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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 364 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.

Page 37 of 37 | Total Record : 364

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