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el-Jizya: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
ISSN : 2354905X     EISSN : 25796208     DOI : https://doi.org/10.24090/ej
Core Subject : Economy,
Economics, Econometrics & Finance
el-Jizya: Jurnal Ekonomi Islam is a scientific journal published by Faculty of Economic and Islamic Bussiness UIN Prof. K.H. Saifuddin Zuhri Purwokerto. First printed edition was published in 2013, and since 2017 it has been published in online version. El-Jizya focuses on the study of Islamic Economics from various perspectives. It is published twice a year (June & December).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 160 Documents
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Efektivitas Strategi Segmenting, Targeting dan Positioning Produk Tabungan iB Hijrah Haji Pada Bank Muamalat Indonesia Nursusilo Wati, Shinta Julia; Wartoyo, Wartoyo; Ghoni, Abdul
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 1 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i1.13163

Abstract

This study aims to determine how the effectiveness of segmenting, targeting and positioning strategies on iB Hijrah Hajj Savings Products at BMI KC Sumber Cirebon ratio of effectiveness indicators which include product understanding, on time, on target, achieving goals and real changes. This research is a qualitative study with primary data collection and secondary data. Primary data obtained by observation, interviews and documentation. While secondary data is obtained through literature relevant to the research focus. The results of this study indicate that the segmenting strategy used by BMI KC Sumber Cirebon is directed through grouping customers based on criteria in existing customer data grouped by geographic, demographic or psychographic. In the targeting strategy, each segment is based on existing customer data that has Hajj savings products so that the target is in a concentrated market. Positioning prioritizes offering Hajj savings to customers so that it is labeled as “Hajj Bank” in the community. The application of service excellence, feature factors, price and quality of the products offered have a positive impact on the product. In the calculation of effectiveness, it shows that the STP strategy on Hajj savings products at BMI KC Sumber Cirebon is declared very effective with a ratio of 87.33%. Keywords: Effectiveness, segmenting, targeting and positioning strategies and Hajj Savings.
Integrating Maqasid Shariah in Enhancing MSME Business Sustainability in the Digital Economy Albar, Kholid; Amiruddin K; Abdullah, Wahyuddin
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 1 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i1.13174

Abstract

This study aims to explore the integration of Maqasid Shariah in the measurement of Islamic business performance in the dynamic digital economy era. In this context, Maqasid Syariah, which includes the protection of religion, soul, mind, offspring, and property, offers an ethical and universal framework to guide Islamic business operations. This research focuses on Sharia MSMEs in Sidayu sub-district, which have adopted these principles in their operations. This research methodology uses a qualitative approach with a case study design. Data were collected through in-depth interviews with sharia business actors and secondary data analysis from the annual reports of relevant MSMEs. Thematic analysis was used to identify patterns and key themes related to the integration of Maqasid Sharia in performance measurement. The results showed that Sharia MSMEs in Sidayu have successfully implemented performance indicators covering spiritual, social and material dimensions. The use of digital technology, such as blockchain, is proven to increase transparency and operational efficiency, and strengthen consumer trust. The integration of technology-based and Environmental, Social, and Governance (ESG) indicators in performance measurement not only improves competitiveness but also ensures compliance with sharia principles. This study concludes that a performance measurement approach that incorporates spiritual values and modern technology can enrich the literature on Islamic business and offer practical guidance for businesses and policy makers. The implication of these findings is the need for the development of Maqasid Shariah-based performance measurement tools that can be applied more broadly, as well as further exploration in the non-financial sector to expand the application of Shariah principles in various industries
Development of Islamic Finansial System Based on Islamic Economic Principles: Case Study of BMT Hayam Wuruk Yogyakarta Maranti, Safika; Jalil, Nurhidayati Kasrul
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 1 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i1.13401

Abstract

Penelitian ini bertujuan untuk mengeksplorasi penerapan sistem keuangan syariah berdasarkan prinsip-prinsip ekonomi Islam pada BMT Hayam Wuruk Yogyakarta. Penelitian ini dilakukan selama satu periode kepengurusan dengan pendekatan metode kualitatif. Fokus utama dari penelitian ini adalah memaparkan bagaimana BMT Hayam Wuruk melaksanakan kegiatan operasionalnya dengan prinsip ekonomi islam serta bagaimana hal tersebut mempengaruhi pengembangan sistem keuangan syariahnya. Hasil penelitian ini menunjukkan bahwa BMT Hayam Wuruk telah menerapkan prinsip-prinsip syariah dalam kegiatan operasionalnya seperti pengunaan sistem bagi hasil. Pengelolaan dana pada BMT Hayam Wuruk dilakukan secara transparan, akuntabel mudah diakses oleh anggota. Dana tersebut dikelola untuk kegiatan-kegiatan yang sesuai dengan prinsip-prinsip syariah Islam melalui bidang-bidang yang terdapat pada BMT Hayam Wuruk. Pengembangan sistem keuangan syariah pada BMT Hayam Wuruk juga menggunakan produk-produk keuangan syariah yang inovatif seperti Simpanan Mudharabah Deposito syariah dan pembiayaan syariah. Hal tersebut tercermin dalam Laporan Neraca dalam RAT (Rapat Anggota Tahunan) BMT Hayam Wuruk Yogyakarta yang menunjukkan komitmen dalam menerpakan dan mengembangkan prinsip-prinsip Islam dalam pengelolaan sistem keuangannya.
Determinants of Zakat, Infaq, and Shadaqah at Lazismu East Java: Reputation, Religiosity, Trust, Ease, Security and Convenience Hariyanto, Wiwit; Hermawan, Sigit; Rahmadhani, Ali Zainuri; Arista, Sintha Wahyu; Ulum, Zatul Karamah Ahmad Baharul
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 1 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i1.13611

Abstract

The management of the Muhammadiyah Zakat, Infaq and Alms Institution (Lazismu) in East Java needs to know the reasons why muzaki or donors pay ZIS at the institution. This is related to the performance of services that must be carried out so that they are right on target and provide satisfaction to Muzakki. This study aims to improve the performance of services to Muzaki who have entrusted their zakat, infaq and alms (ZIS) funds to Lazismu East Java. The research method chosen is quantitative research with a descriptive and causal approach. The population of this study was all muzaki who had distributed ZIS at Lazismu in East Java. The determination of the sample used purposive sampling, while the sample in this study was 110 respondents. The results of this study are the determining factors including reputation factors, religiosity factors, trust factors, ease factors, and security and convenience factors that have a positive influence on the decision of muzaki to pay ZIS at Lazismu East Java. In this study, the convenience variable is the strongest and most dominant variable while the reputation variable is the weakest variable in Muzaki's decision to choose ZIS at Lazismu East Java. By understanding and optimizing these five factors, Lazismu East Java can increase muzaki loyalty, improve performance and strengthen its role in supporting social and economic programs that are in line with the objectives of the Sustainable Development Goals (SDGs) Number 8 concerning decent work and economic growth.
Resiliensi Ekonomi Syariah di Indonesia dalam Menggagas Sistem Tangguh di Masa Depan Abidah, Nur Laila; Fageh, Achmad
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 1 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i1.13741

Abstract

In the context of globalization and increasingly complex economic challenges, the resilience of the Islamic economy is one of the most important things. The purpose of this study is to determine the resilience of the Islamic economy in Indonesia and how this system can be adopted to create economic stability in the future. The method used is a qualitative approach using descriptive analysis. The findings in the study state that government policies, sharia regulations, financial inclusion and literacy regarding Islamic finance and economics have an important role in influencing the resilience of the Islamic economy in Indonesia. In addition, technology adoption and innovation were also identified as key factors in strengthening the Islamic economic system in the future. The implication of this research is the importance of strengthening the foundation of the Islamic economy through supportive policies, clear regulations and broader Islamic economic education. This research is also expected to be able to contribute to the development of a resilient and sustainable Islamic economic system in Indonesia as well as to serve as a basis for decision-making in designing economic policies to be more inclusive for sustainability in the future.
Predicting Value at Risk in Investment Portfolio Using Monte Carlo Simulation: The Case of The Syrian Internasional Islamic Bank Shaar, Rima; Kato, Hassan; Hikmat, Ryan Fahmi
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 1 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i1.13803

Abstract

This study applies a Monte Carlo simulation model to estimate the value at risk (VaR) for the Syrian International Islamic Bank's investment portfolio, aiming to assess potential risks and Information is provided for investment decisions making. Using 2024 portfolio data, the simulation, conducted with R-Studio, calculates the VaR to identify credit risks and guide strategic decision-making. The results indicate that the potential future loss for the portfolio may exceed the projected losses from individual loans. Based on these findings, the study recommends that the Bank reduce its funding in the near term to mitigate the identified risks. The research also emphasizes the importance of continuous monitoring of the portfolio to improve risk assessment practices over time. Furthermore, the study advocates for the integration of advanced modeling techniques and real-time data to strengthen the Bank's analytical capabilities. This would improve forecasting accuracy and enable more effective loan repricing strategies in response to changing financial conditions. The proactive adoption of these risk management tools is essential for the Bank to navigate the evolving financial landscape and remain resilient against market volatility. This research contributes to the broader discourse on financial risk management by providing actionable insights that can enhance the Bank's performance.
Kontribusi Dewan Pengawas Syariah Terhadap Kepatuhan Prinsip Syari’ah Pada Lembaga Finansial Technology Syari’ah Hadi, Wildan; Duhriah; Wira, Ahmad; Hendra, Testru
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.14203

Abstract

This study aims to examine the Contribution of the Sharia Supervisory Board (SSB) in ensuring compliance with sharia principles in sharia fintech institutions in Indonesia, while identifying various problems faced. The method used is a literature study with a secondary data analysis approach sourced from scientific articles, journals, and previous research. The results of the study indicate that the SSB plays a crucial role in ensuring sharia compliance, through periodic supervision, implementation of DSN-MUI fatwas, and development of sharia-compliant products and services. However, this study found a number of challenges, including the weak special supervisory mechanism for sharia fintech and the continued violation of sharia principles on several platforms such as Investree, Dana Syariah, and Peer to Peer Lending Syariah. Therefore, this study recommends strengthening the capacity of the SSB, improving regulations, and increasing cooperation between the SSB and related authorities in order to minimize sharia violations. Thus, this study makes an important contribution to strengthening the sharia supervisory system and supporting the sustainable growth of sharia fintech in Indonesia.
An Islamic Economic Perspective on the Implementation of Progressive Taxation to Address Income Inequality in Indonesia Affandi, Faisal; Hamonangan
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.13622

Abstract

Rising income inequality in Indonesia poses a persistent socio-economic challenge, requiring not only technical solutions but also ethically grounded fiscal strategies. This study explores the compatibility of progressive taxation with Islamic economic principles, particularly within the framework of maqāṣid al-sharī‘ah. It aims to examine how traditional Islamic instruments such as zakat, waqf, and infāq can conceptually align with modern fiscal tools in promoting distributive justice. The novelty lies in reframing progressive taxation as an ethical mechanism rooted in Islamic values, rather than a secular policy instrument. The study adopts a descriptive qualitative methodology through library research, utilizing secondary data from Scopus- and Web of Science-indexed journals, academic books, and classical Islamic texts. Using document analysis and deductive reasoning, the study synthesizes theoretical concepts into actionable insights for policy development in Indonesia. The findings indicate that, when ethically implemented, progressive taxation resonates with Islamic principles of ‘adālah (justice), maṣlaḥah (public interest), and social solidarity. However, Indonesia’s experience highlights the need for structural tax reform coupled with moral recalibration in fiscal governance. The study concludes that integrating Islamic ethical values into tax policy can enhance public trust, encourage voluntary compliance as ‘ibādah (worship), and promote inclusive, spiritually grounded economic development.
Structure and Evolution of Islamic Insurance Studies: A 10-Year Bibliometrics Review Katili, Chitra Yuliashri; Kadir, Rifadli D.; Fadhilah, Nurul
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.13702

Abstract

The investigation analyses the development and scientific framework of Islamic insurance research over the last decade, from 2015 to 2024. The study seeks to assess performance, delineate the scientific themes of Islamic insurance research, and enhance this subject by offering insights on areas for further development. This research integrates both databases, Scopus and Web of Science (WoS), employing RStudio and MS Excel to analyse 366 papers. The study revealed that activity in this field was primarily concentrated in Malaysia; the Journal of Islamic Accounting and Business Research was recognised as the principal source, with Khan designated as the most prominent author in this sector. Furthermore, four primary themes have emerged as focal points for scholars over the past decade, predominantly within the domains of business, management, economics, and social science. The four themes may be further elaborated upon in the future, and this research highlights aspects that have not been extensively explored. This research aims to offer significant insights for the advancement of research and the Islamic insurance sector in the future.
Dinamika Perubahan Sosial Dalam Pasar Uang Syariah: Implikasi Filosofis Dan Sosio-Ekonomi Pada Penerapan Forward Contract Merdiana, Nadia; Hidayati, Tri
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.14292

Abstract

Penelitian ini bertujuan untuk mengkaji secara mendalam implikasi filosofis dan sosio-ekonomi dari penerapan instrumen forward contract berbasis syariah berdasarkan Fatwa DSN-MUI No. 96/2015. Penelitian ini menggunakan pendekatan kualitatif dengan studi kepustakaan sebagai metode utama, di mana data dikaji secara deskriptif dan dianalisis menggunakan teori maqashid al-shariah dan prinsip dasar fikih muamalah. Hasil penelitian menunjukkan bahwa fatwa tersebut tidak hanya memberikan legitimasi hukum terhadap praktik forward contract, tetapi juga menekankan pentingnya integritas nilai syariah seperti keadilan, transparansi, dan niat perlindungan. Dari sisi sosio-ekonomi, penerapan instrumen ini berkontribusi terhadap stabilitas sistem keuangan syariah, mendorong inovasi produk, memperluas inklusi keuangan, serta meningkatkan kepercayaan publik terhadap lembaga keuangan syariah. Analisis terhadap temuan ini menunjukkan bahwa forward contract dalam passar uang syariah menjadi instrumen keuangan modern yang mampu mengakomodasi kebutuhan pasar dengan tetap menjaga nilai-nilai Islam. Temuan ini memperkuat argumen bahwa sistem keuangan Islam tidak hanya relevan secara normatif, tetapi juga mampu beradaptasi dengan dinamika ekonomi kontemporer secara efektif dan etis.

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