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Khabib Solihin
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jiose@ipmafa.ac.id
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Journal of Indonesian Sharia Economics
Published by Institut Pesantren Mathali'ul Falah
ISSN : 29623812     EISSN : 28291719     DOI : https://doi.org/10.35878/jiose
Core Subject : Economy,
Economics, Econometrics & Finance
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 63 Documents
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Kebijakan Moneter dan Strategi Penanggulangan Kemiskinan dalam Kepemimpinan Umar bin Khattab Hidayat, Nurul; Khalida, Nur Diana; Firdaus, Jannatul; Najiatun, Najiatun; Awan, Edi; Khas, As’adi; Arif, Hertin Khalifatun Nisa; Fauziyah, Hanifah
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.v4i2.1788

Abstract

The leadership of Umar ibn al-Khattab is undeniable as a statesman capable of formulating new regulations and revising those established during the time of the Prophet Muhammad and Abu Bakr. During his rule, poverty was significantly reduced through the application of sound economic principles. This study employs a library research method and descriptive analysis using books, journals, and papers related to the economic policies of Umar ibn al-Khattab. The research discusses monetary policies and poverty alleviation strategies during his reign. The monetary policy included the establishment of currency as an effort to stabilize the economy, while poverty alleviation strategies were carried out through strengthening the independence of the baitul mal (public treasury) and utilizing land to increase state revenue. The persistent issue of poverty, which remains difficult to overcome in modern economic systems, had already been a serious concern during Umar ibn al-Khattab’s leadership. The findings of this study indicate that the economic policies of his era remain relevant as references for addressing poverty through resource management and transparent, productive public financial governance.
Transformasi Strategi Marketing Syariah dalam Pengembangan Bisnis Perbankan Syariah Modern Nursaman, Nursaman; Syam, Surya Darma
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.v4i2.1808

Abstract

The background of this research stems from the need of Islamic banking to develop marketing strategies that are not only profit-oriented but also consistently uphold compliance with Sharia principles. This study employs a library research method with a qualitative approach, while data were collected through digital documentation from various related literatures. The findings indicate that Sharia marketing management in banking requires concrete analyses and steps, including goal setting, identification of characteristics, determination of concepts and foundations, understanding of the environment, strategy formulation, market segmentation, pricing strategies, promotional strategies, and efforts to enhance customer satisfaction in accordance with Sharia principles. The transformation of Sharia marketing strategies in Islamic banking in the modern era demands synergy between human resource competencies, accurate market segmentation, product innovation, and the utilization of digital technology based on Sharia principles. These strategies are not only oriented toward increasing profitability but also emphasize public benefit, sustainability, and social justice as the embodiment of maqāṣid al-sharīʿah. The findings affirm the importance of integrating Sharia values and digitalization into marketing management practices to strengthen the competitiveness and sustainability of Islamic banking in the modern era.
Pengaruh Financing to Deposit Ratio, Non-Performing Financing, dan Capital Adequacy Ratio terhadap Profitabilitas Bank Aceh Syariah Maulida, Ulvia; Muliza, Muliza; Fauza, Muflihatul
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.v4i2.1812

Abstract

This study aims to determine the effect of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) and Capital Adequecy Ratio (CAR) on Profitability proxied by the Return On Assets (ROA) ratio at Bank Aceh Syariah. This study uses quantitative methods with multiple linear regression analysis techniques. Data collection was carried out by accessing bank financial report data through the Bank Aceh Syariah website from the period 2020-2024. Data analysis in this study includes classical assumption test, multiple linear regression test, and hypothesis testing. The findings indicate that FDR and NPF have no effect on Profitability (ROA), while CAR is known to have a significant effect on ROA. Simultaneously, FDR, NPF, and CAR variables have a significant effect on ROA.
Investasi Emas Digital di Indonesia; Tinjauan Sistemik Maqashid Syariah A'yun, Inarotul
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.v4i2.1828

Abstract

This study aims to analyze the alignment of digital gold investment practices in Indonesia with Jasser Auda’s systemic Maqashid Shariah framework. It explores a conceptual shift from the classical five dharuriyyat (religion, life, intellect, lineage, and property) toward broader contemporary dimensions such as the Islamic civil society system (hifz an-nas), preservation of dignity (hifz al-‘ird), and sustainable human development. Using a descriptive qualitative approach that integrates normative and empirical analysis, the study finds that digital gold investment functions not only as a means of wealth preservation (hifzh al-mal) but also as a vehicle for advancing universal Islamic values, including economic justice, transparency, consumer protection, and community empowerment. While Sharia-compliant contracts particularly wakalah bil ujrah and murabahah commonly adhere to the principles of fiqh muamalah and support the realization of maqashid, persistent challenges include limited transparency in contract mechanisms, speculative risks arising from high price volatility, and wide bid-ask spreads that may introduce gharar. The study concludes by emphasizing the need for stronger collaboration between regulatory institutions such as OJK and DSN-MUI and enhanced public education to ensure that Islamic fintech develops in an inclusive, equitable, and ethically grounded manner, aligned with the Islamic imperatives of justice, sustainability, and communal prosperity.
The Impact of Financial Literacy Levels on Investment Decisions for Children's Education Among Rural Housewives Latifah, Umi; Nur Amiin, Siti; Nuraini, Latifah
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.v4i2.1832

Abstract

This study investigates the level of financial literacy of rural housewives and its impact on children's education investment decisions. A quantitative descriptive method was employed, utilizing Moderated Regression Analysis (MRA). The sampling technique used was non-probability sampling, specially a convenience sampling method, which involved distributing questionnaires. The results of this research indicate that housewives have a relatively high financial literacy level, with an average score of 56.79. Most housewives in the villages of Sambilawang and Kadilangu hold a high school and bachelor's degree. This level of financial literacy has a significant impact on children's education investment (11 %), while the rest are influenced by other variables but has a relatively low investment in children's education funds at 0.66. because of the income earned from the Rp. 1,000,000 to < 2,500,000 per month and the average job of these housewives. are the majority of the officers or employees. The Research subjects consisted of 53 housewives in the Sambilawang, Kadilangu village, Trangkil sub-district, Pati district. This study recommends a policy to increase financial literacy among rural housewives and optimize investment in children's education to create more sustainable economic conditions in rural communities
Strategi Penyaluran Zakat Produktif PT. BPRS Artha Mas Abadi dalam Meningkatkan Pendapatan UMKM di Kabupaten Pati Aqila, Felda Nur; Rohma, Alya Iftihatur; Ersa, Fina Alimatussolihah; Ahla, Azkiyatul; Kiftiah, Lailatul
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.v4i2.1861

Abstract

This study aims to examine the strategy of productive zakat distribution by PT. BPRS Artha Mas Abadi in increasing the income of micro, small, and medium enterprises (MSMEs) in Pati Regency. The research method used a descriptive qualitative approach. Data were collected through interviews with BPRS, zakat collection partners, and MSME recipients. The study focused on the distribution mechanism, forms of collaboration, and the program's economic impact on beneficiaries. The results show that zakat distribution is carried out collaboratively, with 80% of the funds managed jointly by BPRS and zakat collection partners, and the remaining 20% ​​managed independently by zakat collection partners. This strategy has proven effective in increasing income, as seen by one zakat recipient who experienced a 40% increase in income. In addition to financial improvements, the program also encourages business motivation and strengthens economic capacity. These findings imply that productive zakat is not merely a temporary aid, but rather a long-term economic empowerment instrument that can encourage the independence of MSMEs at the local level.
Pengaruh Profitabilitas dan Skala Usaha terhadap Nilai Perusahaan Sektor Perbankan di Indonesia Hidayat, Nurul; Khas, As’adi; Buhairi, Buhairi; Khalida, Nur Diana; Zulkarnain, Rahmat; Wakik, Wakik
JIOSE: Journal of Indonesian Sharia Economics Vol 5 No 1 (2026): Maret 2026
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.v5i1.1876

Abstract

This study analyzes the effect of profitability and firm size on firm value in the banking sector in Indonesia, and evaluates its implications for the stability of the national financial system. Profitability is measured using Return on Assets (ROA), while firm size is proxied by the natural logarithm of total assets. Firm value is measured using Price to Book Value (PBV). The data were obtained from 43 banks listed on the Indonesia Stock Exchange (IDX) in 2024, selected using a purposive sampling method, and analyzed using multiple linear regression. The results show that profitability has a positive and significant effect on firm value, indicating that strong financial performance enhances investor perception and strengthens corporate resilience. In contrast, firm size has a negative and insignificant effect, which may reflect potential inefficiencies in large-scale banks. Simultaneously, both variables have a significant effect on firm value, although the model explains only 18.06% of the variation in firm value. These findings underscore the importance of strengthening profitability as the primary foundation of firm value in the banking sector.
Integrasi Ekonomi Kreatif dan Industri Halal di Indonesia Perspektif Regulasi dan Kebijakan Publik Asy Syafi, Rafi Alkaf; Nugraha, Hendri Hermawan Adi
JIOSE: Journal of Indonesian Sharia Economics Vol 5 No 1 (2026): Maret 2026
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.v5i1.1879

Abstract

This study aims to analyze the integration of the creative economy and the halal industry in Indonesia from the perspective of regulation and public policy. The method employed is a qualitative literature review, based on the analysis of academic literature, government regulations, and relevant official reports. The results indicate that the creative economy and the halal industry are strategic sectors with significant contributions to national economic growth and substantial opportunities in the global market. Various regulations, such as the Law on Creative Economy and the Law on Halal Product Assurance along with their implementing policies, have supported the development of an ecosystem that fosters the integration of these sectors through halal certification, intellectual property protection, digitalization, and supply chain strengthening. However, several challenges remain, including low halal literacy among micro, small, and medium enterprises (UMKM), high certification costs, and the lack of optimal policy harmonization across sectors and regions. Therefore, inclusive, adaptive, and collaborative public policies are needed to strengthen the synergy between the creative economy and the halal industry. With effective regulatory support, Indonesia has strong potential to become a globally competitive and sustainable halal creative economy hub.
Pengaruh Religiusitas, Atribut Produk Islam, dan Kualitas Pelayanan terhadap Minat Menabung Anggota di KSPPS KAS Kocika Artha Sejahtera Jepara Sa'diyah, Mahmudatus; Zumala, Anggi Azyaniz
JIOSE: Journal of Indonesian Sharia Economics Vol 5 No 1 (2026): Maret 2026
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.v5i1.1919

Abstract

This study aims to analyze the influence of religiosity, Islamic product attributes, and service quality on members’ saving interest at KSPPS KAS Kocika Artha Sejahtera. This research employs a quantitative approach with a sample of 98 respondents selected using a simple random sampling technique based on the Slovin formula. The data were analyzed using multiple linear regression with the assistance of SPSS version 25. The results show that partially, religiosity, Islamic product attributes, and service quality each have a positive and significant effect on members’ saving interest. Religiosity has a significant positive effect with a t-value of 6.628 and a significance level of 0.000. Islamic product attributes also have a significant positive effect with a t-value of 2.483 and a significance level of 0.030. Meanwhile, service quality shows a significant positive effect with a t-value of 4.220 and a significance level of 0.000. Simultaneously, the three independent variables have a significant effect on saving interest, as indicated by an F-value of 48.478 with a significance level of 0.000. The coefficient of determination (R²) is 0.607, indicating that 60.7% of the variation in saving interest can be explained by the three independent variables, while the remaining 39.3% is influenced by other factors outside the research model.
Pengaruh Konten Unboxing dan Review Affiliator Tiktok Shop terhadap Minat Beli Produk Fashion Mahasiswa Perbankan Syariah IPMAFA Afiana, Zyayan; Dimyati, Ahmad
JIOSE: Journal of Indonesian Sharia Economics Vol 5 No 1 (2026): Maret 2026
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.v5i1.1952

Abstract

The digitalization of the economic sector has driven the emergence of various innovations, one of which is e-commerce platforms such as TikTok Shop, which are widely favored by Generation Z, including students of the Islamic Banking Study Program at IPMAFA. Common marketing strategies used on this platform include unboxing content and affiliate reviews that leverage the For You Page (FYP) feature, particularly for trending fashion products. This study aims to analyze the effect of unboxing content and affiliate reviews on students’ purchase intention. The research employs a quantitative method with a simple random sampling technique, resulting in 69 samples drawn from a total population of 83 respondents using the Slovin formula. Data analysis was conducted using SmartPLS 3.2.9. The results indicate that unboxing content does not have a significant effect on purchase intention, while affiliate reviews have a positive and significant effect, with a t-statistic value of 4.914 (> 1.99495). Simultaneously, unboxing content and affiliate reviews have a positive and significant effect on purchase intention, contributing 38% to the variance.

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