cover
Contact Name
Khabib Solihin
Contact Email
khabib@ipmafa.ac.id
Phone
+6282299523230
Journal Mail Official
jiose@ipmafa.ac.id
Editorial Address
Jl. Raya Pati-Tayu Km. 20 Purworejo Margoyoso Pati
Location
Kab. pati,
Jawa tengah
INDONESIA
Journal of Indonesian Sharia Economics
ISSN : 29623812     EISSN : 28291719     DOI : https://doi.org/10.35878/jiose
Core Subject : Economy,
Journal of Indonesian Sharia Economics merupakan jurnal ilmiah yang dikelola oleh Fakultas Syariah & Ekonomi Islam Institut Pesantren Mathaliul Falah Pati. Jurnal yang terbit dua kali dalam setahun Maret dan September ini didedikasikan untuk publikasi hasil penelitian dan kajian tentang Ekonomi Islam. Journal of Indonesian Sharia Economics menjadi sarana diseminasi hasil penelitian dan kajian yang berkualitas tentang Ekonomi & Bisnis Syariah dengan sub tema pembahasan seputar Perbankan Syariah, Filantropi Islam, Keuangan Syariah, Akuntansi Syariah, Pemasaran Syariah, dan Manajemen Syariah. Naskah yang diterima sangat terbuka bagi kajian multidispliner terhadap ekonomi syariah sesuai perkembangan zaman.
Articles 56 Documents
Minat Masyarakat Muslim terhadap Jasa Bank Syariah Perspektif Bank Syariah dan Perilaku Masyarakat Muarif, Ahmad Dalhar; Wakhrodi, Wakhrodi
JIOSE: Journal of Indonesian Sharia Economics Vol 3 No 2 (2024): September 2024
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v3i2.1307

Abstract

Indonesia is an ideal market for Islamic banking because the majority of the population is Muslim. Only 6.63% of the total national banking assets were owned by Islamic banks in Indonesia in 2022. This shows that people are not too interested in using Islamic bank services. This research is qualitative research that uses a case study approach. Data collected from interviews with a hundred randomly selected people. The purpose of this study is to determine the level of public demand for Islamic banks based on the perspective of Islamic banks (marketing mix) and community behavior. The results of the study show that factors related to Islamic banks include the lack of office networks and promotions that make Muslims not use their services. In addition, personal and social factors are also the most important factors in influencing people's behavior. The study recommends Islamic banks to create marketing policies that are appropriate to the Muslim community.
Perilaku Konsumtif dan Gaya Hidup Hedonis Relasinya terhadap Minat Mahasiswa Menggunakan E-Commerce Hayati, Hafizni Nur; Hidayati, Mareta Dwi; ‘Aini, Nadhirotul
JIOSE: Journal of Indonesian Sharia Economics Vol 3 No 2 (2024): September 2024
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v3i2.1342

Abstract

Technological developments have an impact on changing people's lives. Hedonistic and consumptive lifestyles are variables that affect the high interest in using e-commerce. Students tend to behave consumpively to fulfill their hedonistic lives, this is done by utilizing e-commerce platforms. Students' consumptive behavior is related to fashion products which are always the main concern. This research was conducted to determine the relationship between consumptive behavior and hedonistic lifestyle to interest in using shopee e-commerce. The object of this research is students of the Faculty of Sharia and Islamic Economics, Mathali'ul Falah Pati Islamic Boarding School Institute with a sample of 77 students selected using the purposive sampling technique. Data analysis using Smart-PLS software. The results of this study concluded that students' consumptive behavior and hedonistic lifestyle had no effect on their interest in using shopee e-commerce.
Pengaruh Profitabilitas, Ukuran Perusahaan, dan Leverage Terhadap Nilai Perusahaan Manufaktur Fasya, Muhammad Ardian; Bakhtiar, Muhammad Ilham; Amaroh, Siti
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 1 (2025): Maret 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i1.808

Abstract

The purpose of this research is to find out the Value of Companies that have been listed on the Indonesia Stock Exchange (IDX) which are affected by Profitability, Sales Distribution, Leverage during the 2020-2022 period. The population in this study are manufacturing companies listed on the IDX in the period 2020-2022. This study used a sample using purposive sampling method so that out of 15 companies, 13 manufacturing companies were found to be able to fulfill the model used as an exploratory test. The SPSS 26 program was used to perform multiple linear regression analysis for this study. The findings show that Firm Value is not significantly affected by Profitability and Leverage. Meanwhile, company size has a significant effect on the share capital structure of manufacturing companies listed on the IDX for the 2020-2022 period.
Implementasi Prinsip Syariah dalam Akad Asuransi Syariah Hafsah, Sariyah; Kurniawati, Fitri
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 1 (2025): Maret 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i1.1193

Abstract

Sharia insurance is an insurance system that adheres to Islamic law in the process of its application and operation. Sharia insurance is a type of insurance that minimizes risk and reduces uncertainty. In every operation, including in the implementation of its contract, sharia insurance must adhere to sharia principles as contained in the Qur'an, hadith, and fatwa. To find out what principles need to be implemented in sharia insurance, this study was conducted with the aim of describing sharia principles in sharia insurance contracts. This research is a type of descriptive qualitative research. The results of this study show that this insurance has principles that must be held in its contract operations, namely unity, justice, ta'awun, cooperation, prohibition of usury, gharah, maisir.
Analisis Penerapan Capital Asset Pricing Model dalam Pengambilan Keputusan Investasi Saham di Jakarta Islamic Index 70 Ilham, Muhamad Arifin; Kalimah, Siti
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 1 (2025): Maret 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i1.1397

Abstract

This study aims to analyze stock investment decision-making using the Capital Asset Pricing Model (CAPM) method. The research population includes all companies listed in the Jakarta Islamic Index 70 (JII70). The sampling technique used is purposive sampling. The results of the study show that there are 24 stocks included in the efficient stock group, namely ADRO, AKRA, ANTM, BMTR, BRIS, BTPS, CTRA, ERAA, EXCL, INCO, ISAT, ITMG, KLBF, LPPF, MAPI, MIKA, MNCN, PTPP, PWON, SIDO, SMRA, TLKM, TPIA, and UNTR. The recommended investment decision for investors is to buy stocks that are classified as efficient. On the other hand, there are 11 stocks that are included in the group of inefficient stocks, namely ACES, CPIN, ICBP, INDF, INTP, JPFA, MYOR, PTBA, SCMA, SMGR, and UNVR. For these inefficient stocks, the recommended investment decision is to sell the stocks to avoid potential depreciation.
Penerapan Etika Bisnis Islam dalam Komunikasi Pemasaran di PT Kainratu Jepara Sa'diyah, Mahmudatus; Sukmawati, Dien Ajeng
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 1 (2025): Maret 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i1.1398

Abstract

This study aims to determine the implementation of Islamic business ethics and to determine marketing communication at PT Kainratu Jepara. This research is a qualitative study with a case study approach. The research data collected were obtained through observation interviews with the owner, employees, and consumers of PT Kainratu Jepara. The results obtained from this study indicate that the implementation of Islamic business ethics in marketing communication at PT Kainratu has been implemented by prioritizing the principle of monotheism, the principle of balance, the principle of free will, the principle of responsibility, and the principle of ihsan. And its relationship with marketing communication is also in accordance with good marketing principles, namely paying attention to the principles of advertising, personal selling, sales promotion, public relations, and direct marketing where the service is carried out honestly and friendly.
Praktik Utang Piutang pada Tradisi Buwuh Walimatul ‘Urs Perspektif Sosiologi Ekonomi Islam Rukayati, Dewi; Dimyati, Ahmad
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 1 (2025): Maret 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i1.1595

Abstract

This study aims to find out the practice of debt and receivables in the tradition of buwuh walimatul 'urs carried out by the people of Perdopo Gunungwungkal Pati Village and to analyze the practice of buwuh in the perspective of Islamic economic sociology using the Theory of Reciprocity by Marcel Mauss. This research is a field research with a descriptive qualitative method. Data collection techniques use observation, documentation and interviews. The results of this study show that there is a shift in the tradition of buwuh walimatul 'urs of the people of Perdopo Gunungwungkal Pati Village from the original use of grant contracts to debt and receivables contracts. The transition is seen from three aspects, namely the recording of buwuh, the quantity of buwuhan given and the return of buwuhan. The transition is influenced by the reciprocity of the local community, so that every bowuhan received gives rise to the obligation to return it. This study also identified the existence of alternent reciprocity. This is a form of deviation from the theory of reciprocity, where the buwuh tradition can switch or alternate between voluntary giving (grant) and transactional giving (debt and receivable).
Analisis Pemikiran Muhamad Tentang Efisiensi Harga Murabahah di Perbankan Syari’ah Husna, Aftina Nurul
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 1 (2025): Maret 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i1.1596

Abstract

This study aims to find out the murabahah pricing technique based on Muhammad's thoughts and the impact of its application on the efficiency of murabahah prices in sharia banking. The research method used is literature research. The data collection technique uses the documentation method and structured interview. The results of this study show that the murabahah pricing technique currently used in sharia banking operations does not meet the criteria for sharia compliance because it contains elements of price ghara. Muhamad as an academic as well as a practitioner of sharia banking, proposed a new formula for setting murabahah prices as an answer to his anxiety about the irregularities in the old formula. Although the new formula has not been widely used, this formula can increase the efficiency of murabahah prices in Islamic banking, especially if the Islamic bank has a large scale and when there is a financing restructuring.
Analisis Komparasi Tingkat Kesehatan Bank Syariah Indonesia dan Bank Central Asia Syariah dengan Metode RGEC Nuriyah, Lailatun; Solihin, Khabib
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 1 (2025): Maret 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i1.1599

Abstract

This study analyzes the comparative performance of Bank Syariah Indonesia (BSI) and Bank BCA Syariah using financial ratios with the RGEC approach (Risk Profile, Good Corporate Governance, Rentability, and Capital), based on the Financial Services Authority (OJK) Regulation No. 08/POJK.03/2014. This research employs a quantitative method with a descriptive analysis approach. Secondary data were used, obtained from financial reports and GCG reports of Bank BSI and Bank BCA Syariah for the 2019–2022 period. The analysis results indicate growth in financial ratios and GCG for both banks, leading to an increase in their composite scores each year. Bank BSI achieved composite scores of 80%, 82%, 88%, and 88% over the last four years, while Bank BCA Syariah recorded scores of 71%, 73%, 77%, and 84% over the same period. The average composite score accumulation for Bank BSI was 84.5%, whereas Bank BCA Syariah achieved an average of 76.25%. Bank BSI was ranked at level 2 ("Healthy") in 2019–2020 and improved to level 1 ("Very Healthy") in 2021–2022. Meanwhile, Bank BCA Syariah consistently maintained a level 2 ("Healthy") ranking throughout the four-year period. Thus, the health level of Bank BSI was superior to that of Bank BCA Syariah during 2019–2022.
Implementasi Kebijakan Sertifikasi Halal dan Implikasinya terhadap Keberlangsungan Usaha pada Restoran dan Cafe di Kota Singkawang Widianti, Anyta; Kurniati, Kurniati; Mustafa, Zulhas’ari
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 2 (2025): September 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i2.1735

Abstract

Restaurants and cafes are one of the economic driving sectors in Singkawang City that supports the title of a tourist city. However, reality shows that there are still many practices of using halal labels without official legality by restaurant and café business actors. This study aims to understand the implementation of halal certification policies for restaurant and café business actors in Singkawang City, West Kalimantan, in the context of the implementation of halal certification obligations effective from October 18, 2024. This research is a field research using a descriptive qualitative approach. The results of the study show that the local government through the Ministry of Religion of Singkawang City has conducted socialization, mentoring, and education to restaurant and café business actors to obtain halal certification. However, challenges are still faced, such as the lack of understanding of business actors about the importance of halal certification and the practice of using halal labels without official certification. The complexity of procedures and the limitations of BPJPH human resources who do not have personnel in the regions are obstacles in itself, especially to be able to reach business actors as a whole in providing socialization and education about the importance of Halal Assurance. This study also reveals that halal certification has a positive impact on business sustainability, especially in increasing consumer loyalty and trust, increasing positive image, better business management system, and increasing business credibility.