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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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Analisis Strategi Islamic Marketing Mix Pada Produk Pembiayaan BMT UGT Nusantara Cabang Blega Menurut Perspektif Samir Abuznaid Nasrulloh; Fidinillah, Ghuzat
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.v13i2.12020

Abstract

Penelitian ini mengkaji pemasaran dalam lembaga keuangan, khususnya di sektor keuangan syariah yang berkembang pesat dengan persaingan yang semakin ketat. Penelitian berfokus pada BMT UGT Nusantara cabang Blega yang menghadapi tantangan dalam mempertahankan pangsa pasar di tengah bertambahnya jumlah lembaga keuangan syariah. Penelitian ini menggunakan strategi Islamic marketing mix 9P menurut perspektif Samir Abuznaid, mencakup produk, promosi, tempat, harga, orang, bukti fisik, proses, janji, dan kesabaran, untuk menganalisis penerapan strategi pemasaran produk pembiayaan, menentukan elemen dominan, serta mengkaji dampak perubahan terhadap jumlah nasabah. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif. Data dikumpulkan melalui observasi, wawancara, dan dokumentasi menggunakan teknik Snowball sampling. Analisis data meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa 1) BMT UGT Nusantara Cabang Blega menawarkan produk sesuai prinsip syariah, menetapkan harga jelas, memilih lokasi strategis, dan menggunakan promosi mulut ke mulut serta media sosial. Fokus lainnya adalah pelatihan karyawan, proses pembiayaan fleksibel, fasilitas fisik memadai, ketepatan janji, dan kesabaran. 2) Urutan elemen dominan dalam strategi ini adalah produk, tempat, promosi, proses, bukti fisik, harga, sabar, janji, dan manusia. 3) Penerapan strategi ini berhasil meningkatkan jumlah nasabah, akan tetapi masih terdapat tantangan internal dan eksternal. Evaluasi dan penyesuaian rutin diperlukan untuk pertumbuhan berkelanjutan.
Studi Historis Kebijakan Fiskal Dalam Islam Pada Era Turki Utsmani (Dinamika Kebijakan Fiskal Kekaisaran Ottoman: Era Kejayaan dan Kemunduran) Mursid, Fadillah; Janwari, Yadi; Al-Hakim, Sofian
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.v13i2.12338

Abstract

ABSTRACT Ottoman Empire, as an Islamic state that reigned for almost 7 centuries, certainly has a long history of managing state revenues and expenditures to maintain economic stability or what is called fiscal policy. This research discusses the history of fiscal policy in Islam during the Ottoman era. This type of research is library research with a historical approach; research material processing techniques are carried out through heuristic, verification, interpretation, and historiography stages. This research shows that the history of Islamic fiscal policy during the Ottoman era can be seen in the glory and decline phases. The phase of progress where fiscally, Ottoman Turkey's income experienced a surplus originating from ghanimah, taxes, tīmār, muḳāṭa'a, and endowments. This income was used to finance war logistics during the period of expansion and development of infrastructure, economy, education, and health. After this glorious phase, Ottoman Turkey began to experience a phase of decline due to many factors, one of which was fiscal policy, which experienced a deficit. This was due to fiscal mismanagement in state financing during the war, the westernization of the Ottoman Turkish economy, and foreign debt. Keywords: History, Policy, Fiscal, Turki Utsmani ABSTRAK Turki Utsmani sebagai salah satu daulah Islamiyah yang bertahta hampir 7 abad lamanya tentu memiliki sejarah panjang dalam pengelolaan pendapatan dan pengeluaran negara guna menjaga stabilitas ekonomi atau disebut kebijakan fiskal. Penelitian ini membahas bagaimana sejarah kebijakan fiskal dalam Islam pada masa Turki Utsmani. Penelitian ini adalah penelitian pustaka dengan pendekatan sejarah, teknik pengolahan bahan penelitian dilakukan melalui tahapan heuristik, verifikasi, interpretasi, dan historiografi. Hasil penelitian ini adalah bahwa sejarah kebijakan fiskal Islam pada masa Turki Utsmani dapat dilihat dalam dua fase, yaitu fase kejayaan dan fase kemunduran. Fase kemajuan dimana secara fiskal pendapatan Turki Utsmani mengalami surplus yang berasal dari ghanimah, pajak, tīmār, muḳāṭa’a dan perwakafan dan pendapatan itu dipergunakan untuk pembiayaan logistik perang selama masa perluasan dan pembangunan infrastruktur, perekonomian, pendidikan dan kesehatan. Setelah fase kejayaan tersebut, Turki Utsmani mulai mengalami fase kemunduran karena banyak faktor, salah satunya adalah karena kebijakan fiskal yang mengalami defisit. Hal ini disebabkan kesalahan pengelolaan fiskal dalam pembiayaan negara selama perang, westernisasi ekonomi Turki Utsmani, dan hutang luar negeri. Kata Kunci: Sejarah, Kebijaka, Fiskal, Turki Utsmani
Ekonomi Islam dan Keadilan Sosial dalam Implementasi Sistem Ekonomi Syariah Mengurangi Ketimpangan Sosial di Negara Berkembang: Tinjauan Sistematis Ekawaty, Marlina; Jumiyanti, Kalzum
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.v13i2.14930

Abstract

Social inequality in developing countries remains a major challenge despite various economic interventions that have been made. This study aims to evaluate the role of Islamic economic systems in promoting social justice and reducing social inequality through a systematic review approach. This study uses the Systematic Literature Review (SLR) method for scientific publications for the period 2020–2025, with thematic analysis and visualization techniques using VOSviewer. The results of the study show that Islamic economic instruments such as zakat, waqf, and infaq have a significant contribution to wealth redistribution, community empowerment, and the achievement of the Sustainable Development Goals (SDGs). The findings indicate that the application of Islamic economics is effective in reducing inequality if supported by good governance and inclusive policies. This research confirms the importance of value-based economic systems for social justice and encourages follow-up studies that empirically test the effectiveness of Islamic economic implementation in various local contexts.
Analisis Prediksi Kondisi Financial Distress Pada PT Bank Muamalat Indonesia, Tbk Periode 2019-2023 Nuraeni, Titin; Ida Puspitarini Wahyuningtyas; Sulasih; Anggita Isty Intansari
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.v13i2.15066

Abstract

Kesulitan keuangan adalah kondisi kritis yang harus disadari dan diantisipasi oleh setiap perusahaan. Risiko kesulitan keuangan dapat dikurangi sejak dini dengan memprediksinya melalui analisis laporan keuangan perusahaan. Studi ini didorong oleh penurunan beberapa rasio keuangan, pengurangan jumlah kantor layanan dari tahun 2019 hingga 2023, dan implementasi langkah-langkah penyelamatan karena keterbatasan modal Bank Muamalat, yang menggarisbawahi kebutuhan bagi BMI untuk meningkatkan kinerja keuangannya dan mengambil tindakan preventif terhadap potensi kesulitan keuangan. Tujuan penelitian ini adalah untuk menguji bagaimana kesulitan keuangan dapat diprediksi menggunakan model Zmijewski, model Modified Altman Z-Score, dan model Springate dalam menilai kondisi keuangan Bank Muamalat Indonesia. Studi kuantitatif deskriptif ini menggunakan data sekunder dan menerapkan model prediksi kesulitan keuangan, yaitu Zmijewski's X-Score, Modified Altman Z-Score, dan Springate's S-Score. Populasi dan sampel terdiri dari laporan keuangan Bank Muamalat Indonesia untuk periode 2019–2023. Temuan ini mengungkapkan bahwa, berdasarkan metode Zmijewski, BMI diprediksi tidak akan mengalami kesulitan keuangan selama periode 2019–2023 karena skor X-nya kurang dari nol. Sebaliknya, metode Modified Altman Z-Score menunjukkan bahwa pada tahun 2019 dan 2020, BMI berada di area abu-abu karena nilainya berada diantara 1,1< Z < 2,6. Keadaan ini mengindikasikan ketidakpastian, dimana perusahaan tidak dapat dipastikan dalam kondisi sehat ataukah mengalami financial distress. Kemudian untuk tahun 2021-2023, BMI dengan metode Altman Z-Score Modifikasi diprediksi aman sebab nilai Z-Scorenya > 2,6. Sementara itu, dengan metode Springate menunjukkan hasil yang berbeda yakni BMI selama periode 2019-2023 diprediksi mengalami financial distress karena nilai cut off atau S-Score yang diperoleh < 0,862 (kurang dari 0,862).
Formulation of Distinction-Based MBKM Design Sharia Economics Study Program (Mapping Study of Potential Partner Institutions of UIN Prof. K.H. Saifuddin Zuhri Purwokerto) Hilyatin, Dewi Laela; Pudjileksani, Tri Mulatsih; Aditya, Gebyar Cahya; Banac, John Paul; Riyadi, Sugeng
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.v13i2.15407

Abstract

This research, titled "Formulation of MBKM Design Based on the Distinction of the Islamic Economics Study Program: A Study on Mapping Potential Partner Institutions of UIN Prof. K.H. Saifuddin Zuhri Purwokerto," aims to explore and develop a specific design of the Merdeka Belajar Kampus Merdeka (MBKM) curriculum that aligns with the unique characteristics of the Islamic Economics Study Program (Prodi Ekonomi Syariah) at UIN SAIZU. The MBKM curriculum is an initiative introduced by the Indonesian Ministry of Education to provide students with more flexible learning opportunities, including collaboration with external institutions. This study seeks to map potential partner institutions that can collaborate with UIN SAIZU in implementing the MBKM curriculum. The research employs a qualitative approach, involving document analysis, interviews, and surveys to identify and evaluate the institutions that align with the program's vision and mission. Key criteria for partnership include adherence to sharia principles, contributions to the field of Islamic economics, and the capacity to provide students with practical experiences in line with MBKM objectives. The results of this research present a structured MBKM design tailored to the distinction of the Islamic Economics Study Program, including a list of recommended partner institutions. This design aims to enhance students' competencies by bridging academic knowledge and practical experiences while maintaining the integrity of Islamic economic principles. The findings of this research are expected to contribute to the successful implementation of the MBKM curriculum at UIN SAIZU and serve as a model for other universities seeking to develop their MBKM programs based on their distinct academic disciplines.
Islamic Microfinance as a Food Security Solution to Realize the Goal of Zero Hunger in Indonesia Muhammad Gesit Widayatno; Akbar, Wahyu; Zulkifli; Monady, Hanief; Muhaimin; Muhammad Sirajuddin Qahtan Hamdan
el-Jizya: Jurnal Ekonomi Islam Vol. 14 No. 1 (2026): el-Jizya: Jurnal Ekonomi Islam (on Progress)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v14i1.15532

Abstract

The problem of hunger remains a challenge in Indonesia, influenced by rising prices of necessities, dependence on food imports, and poor access to quality food for people experiencing poverty. In this context, Islamic Microfinance offers a relevant approach to support food security in line with the Zero Hunger goal of the SDGs. As the country with the largest Muslim population, Indonesia has an excellent opportunity to optimize sharia principles in microfinance services. Islamic Microfinance provides fair, transparent, riba-free, and inclusive financing for small farmers and micro-entrepreneurs in the food sector. This study aims to analyze the contribution of Islamic Microfinance to food security through a literature review using secondary data from relevant journals, books, and documents. The method used is a descriptive, qualitative approach with content analysis techniques. The results of the study show that institutions such as BMT play an essential role in providing sharia financing through Murabahah, Qard al-Hasan, and Mudharabah contracts, which effectively increase access to capital and enhance business sustainability. These findings confirm that Islamic Microfinance is an instrument of empowerment and a strategy to strengthen food security, thereby requiring synergy among the government, sharia financial institutions, and the community.
Employee Performance Satisfaction, Turnover Intention as an Intervening and Perceived Organizational Support as a Moderation in PT Karya Prima Multisarana Anggraini, Christina; Bangun, Rosita
el-Jizya: Jurnal Ekonomi Islam Vol. 14 No. 1 (2026): el-Jizya: Jurnal Ekonomi Islam (on Progress)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v14i1.15936

Abstract

This study aims to analyze the influence of job satisfaction and the work environment on employee performance, with turnover intention as an intervening variable and perceived organizational support as a moderating variable, in PT. Karya Prima Multisarana. The research approach uses quantitative methods with surveys. The research population includes all employees of PT. Karya Prima Multisarana, with a sample of 100 respondents, was determined through saturated sampling techniques. Data were collected using a questionnaire and analyzed using the Partial Least Squares (PLS) method in SmartPLS 3. The study's results show that job satisfaction has a significant effect on employee performance and turnover intentions. The work environment does not significantly affect employee performance, but it does substantially affect turnover intention. Turnover intention has a significant impact on employee performance and serves as a mediator of the effects of job satisfaction and the work environment on employee performance. In addition, perceived organizational support has a substantial impact on employee performance. Still, it has not been shown to moderate the effects of job satisfaction and the work environment on turnover intention. This study emphasizes the importance of increasing job satisfaction and managing turnover intention in an effort to improve employee performance in a sustainable manner.
The Influence of Government Expenditure on Education, Health and Poverty Sectors on Indonesia’s Human Development Index in 2019-2023 an Islamic Economics Perspective Siti Chotifah Hastuty; Hayati, Mardhiyah; Ermawati, Liya
el-Jizya: Jurnal Ekonomi Islam Vol. 14 No. 1 (2026): el-Jizya: Jurnal Ekonomi Islam (on Progress)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v14i1.15929

Abstract

This study aims to analyze the influence of government spending in the education, health, and poverty alleviation sectors on Indonesia's Human Development Index (HDI) for the 2019–2023 period. This study integrates fiscal policy analysis with an Islamic economic perspective. Particularly through the maqashid al-shariah approach, providing a distinct normative framework for evaluating the effectiveness of government spending on human development. The method used is a quantitative approach with regression of panel data based on secondary data from BPS-Statistics Indonesia and the Ministry of Finance. The results showed that education expenditure had a negative and insignificant effect on Human Development Index (HDI), health expenditure had a positive but insignificant effect, and poverty alleviation expenditure was also insignificant. Simultaneously, all variables had no significant effect on Human Development Index (HDI). This study concludes that increasing government spending has not been effective in increasing Human Development Index (HDI), so more targeted and efficient policies are needed.
The Effect of Work Motivation and Teamwork on Employee Performance with Job Satisfaction as an Intervening Variable in Asahan District Office Haris Winanda Sebayang; Yusuf Ronny Edward; Cut Fitri Rostina
el-Jizya: Jurnal Ekonomi Islam Vol. 14 No. 1 (2026): el-Jizya: Jurnal Ekonomi Islam (on Progress)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v14i1.15933

Abstract

Employee performance is a strategic determinant of an organization's effectiveness and sustainability, especially in government institutions that have the primary mandate to deliver public services. At the Public Works and Spatial Planning Office (PUTR) of Asahan Regency, organizational issues persist, including suboptimal work motivation, weak team coordination, and differences in job satisfaction among employees, which could hinder performance. This study aims to analyze the influence of work motivation and teamwork on employee performance, both directly and indirectly through job satisfaction as a mediating variable. This quantitative research uses a structured questionnaire on employees of the Asahan Regency PUTR Office. The data were analyzed in SPSS version 27 using validity and reliability tests, classical assumption tests, path analysis, and Sobel tests to assess mediation. The results showed that work motivation and teamwork had a positive, significant effect on job satisfaction, and that job satisfaction had a positive, significant impact on employee performance. Job satisfaction has also been shown to partially mediate the influence of work motivation and teamwork on employee performance. These findings are expected to serve as a basis for government agencies to design performance-improvement strategies that strengthen work motivation, foster teamwork, and sustainably increase job satisfaction.
Analysis Mandatory Policy of “Berkah Digital” Application in Murabâhah Financing at BMT Assafi'iyah Berkah Nasional Metro, Indonesia Maulita, Ulan; Alawiyah, Ika Trisnawati
el-Jizya: Jurnal Ekonomi Islam Vol. 14 No. 1 (2026): el-Jizya: Jurnal Ekonomi Islam (on Progress)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v14i1.16089

Abstract

This study aims to analyze the effectiveness of the mandatory policy requiring the use of the Berkah Digital application to optimize the distribution and supervision of murâbahah financing at BMT Assafiyah Berkah Nasional Metro. Digital transformation is seen as crucial to improving the operational efficiency of Islamic microfinance institutions. The research method used is a qualitative descriptive approach, with data collected through in-depth interviews, observations, and documentation. The results show that although these policies aim to speed up administration and increase transparency, on-the-ground practices are not yet fully optimal. The application's implementation has succeeded in facilitating systematic installment control. Still, its effectiveness is significantly hampered by the low digital literacy of senior members and by frequent network technical constraints. As a result, part of the supervision process is still carried out manually and has not been fully integrated according to the policy target. Overall, this policy provides a good foundation for digitalization, but requires an in-depth evaluation of the readiness of human resources and supporting infrastructure to ensure the optimization of murâbahah financing can be achieved in a truly accountable manner.

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