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Contact Name
Aufa Rizka Azzumi
Contact Email
garuda@apji.org
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+6289682151476
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febri@apji.org
Editorial Address
Jalan Raya Ajibarang Km 1 Banyumas, Jawa Tengah, Kab. Banyumas, Provinsi Jawa Tengah, 53163
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Kab. banyumas,
Jawa tengah
INDONESIA
Journal of Islamic Economics and Finance
ISSN : 30217458     EISSN : 3021744X     DOI : 10.59841
Core Subject : Economy, Science,
bidang Ilmu Manajemen dan Ekonomi Syariah. ekonomi Islam, keuangan publik Islam, keuangan Islam, akuntansi Islam, etika bisnis Islam, perbankan Islam, asuransi Islam, pemikiran ekonomi Islam, manajemen sumber daya manusia Islam, keuangan mikro Islam, ekonomi pembangunan Islam, Ekonomi moneter Islam, ekonomi fiskal Islam, pasar modal Islam
Articles 175 Documents
Alternatif Untuk Menjaga Kelancaran Likuiditas Dalam Perbankan Syariah Mirwansyah Putra Ritonga
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.178

Abstract

Liquidity management is a very complex problem in bank operations. The main cause of bank bankruptcy, both large and small, is not due to failure in financing which results in losses, but rather due to the inability of banks to manage liquidity. This article discusses liquidity management by utilizing the Bank Indonesia Sharia System (SBIS) and PUAS transactions. However, that the two methods have not fully resolved the actual problems faced by Islamic banking in allocating unused funds due to excess liquidity. This study was conducted through a literature search covering various solutions and alternatives to overcome the obstacles faced by Islamic banking in managing its liquidity. To support this study, secondary data was used obtained from Islamic Banking Statistics and the Financial Services Authority. Based on this study, it means that the central bank needs to develop the existing instruments in the PUAS provided by Bank Indonesia as the monetary authority. It is hoped that the liquidity problems faced by Islamic banking can be overcome more effectively.
Teori Produksi Dalam Perspektif Islam Fauziah Nur Hutauruk
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.179

Abstract

The theory of production describes the relationship between the factors of production and the level of production produced. Production is the result of all economic activities carried out by the company. To run production smoothly, the company needs the fulfillment of appropriate inputs. Without these inputs, the production process cannot run efficiently. Companies try to maximize production by using available inputs. By maximizing this production, the profits also increase. The purpose of this paper is to understand the production system from an Islamic point of view. Production is also the main activity in the company's activities. If there are no production activities, the company cannot function to produce products.
Human Capital Dan Pengentasan Kemiskinan Dalam Kerangka Ekonomi Islam Sanusi Gazali Pane
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.190

Abstract

The position of human capital in Islam has a special place and occupies the highest position among other creatures. Although working is not one of the five pillars of Islam, it is an obligation of all capable people and an expression of obedience to God. On the other hand, Allah SWT does not like weakness, even Rasulullah SAW poverty is close to kufr. Thus the role of science and knowledge is very important to improve the human degree from ignorance, backwardness, and poverty. Islam states that the development of knowledgeable human resources is a top priority. Through education, training, and employment opportunities, human capital becomes a valuable asset and a driving force for economic prosperity and independence. On the other hand, for people who are economically disadvantaged, Islam provides a solution in overcoming social inequality through zakat funds. This policy is not only able to alleviate poverty but even improve human dignity with the principles of brotherhood, empathy and social togetherness.
Pengaruh Kualitas Produk, Citra Merek Dan Harga Terhadap Keputusan Pembelian Produk 3second (Studi Kasus Pada Store 3second Jl Majapahit Mojokerto) Tri Anggun Melen Novari; Imam Baidlowi; Toto Heru Dwihandoko
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.194

Abstract

This study aims to determine the effect of product quality, brand image and price on purchasing decisions for 3Second products (Case Study at the 3Second store, Jl Majapahit Mojokerto). The type of research used is quantitative research based on the philosophy of positivism, used to examine certain populations or samples, data collection uses research instruments, data analysis is quantitative or statistical, which aims to test the established hypotheses. The data sources used in this study are primary data and secondary data, primary data comes from the results of online questionnaire respondents using a Likert scale, while secondary data comes from journals, analyzing books, online media and sources related to this research and existed before. The population in this study were consumers who had purchased 3Second products at least once at the 3Second store Jl Majapahit, Mojokerto, with a total sample of 75 respondents, using the Hair et al formula. This study uses a sampling technique, namely non-probability sampling using purposive sampling method, which means determining the sample using certain considerations. Data processing in this study includes validity test, reliability test, classic assumption test, multiple linear regression test, coefficient of determination test (R2), beta coefficient test, T test and F test. The results of this study indicate that product quality has a partial effect on decisions purchases of (2.899 > 1.993). Brand image has a partial and positive effect on purchasing decisions (2.953 > 1.993). And price also has a partial and positive effect on purchasing decisions of (3.179 > 1.993). Then for the F test which shows that product quality, brand image and price simultaneously influence purchasing decisions by (13.770 > 3.12) and get a significance value of 0.000.
Pengaruh Brand Awareness Dan Strategi Marketing Mix Terhadap Keputusan Pembelian Kerudung Meizaya (Studi Kasus Kerudung Meizaya) Nur Oktavia, Sastiya; Iskandar, Khalid; Kristiani, Ari
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.203

Abstract

Meizaya adalah sebuah brand kerudung yang kini sudah tersebar di kalangan masyarakat. Banyak sekali brand kerudung yang tersebar di Indonesia seperti Zoya, Rabani, Ellzata, dan masih banyak lagi, banyaknya persaingan membuat Meizaya menerapkan sebuah alternatif yaitu menciptakan produk kerudung yang berkualitas terbaik dan terbaru. Meizaya menampilkan koleksi terbaru dan terbaik dalam perkembangan bisnis yang kian kompetitif membuat Meizaya terus melakukan inovasi dari hari kehari. Jenis penelitian ini adalah kuantitatif. Populasi penelitian ini adalah nasabah aktif dengan menggunakan jumlah sampel sebanyak 100 responden. Metode pengumpulan data dengan cara membagikan kuisioner pada responden melalui online menggunakan google form. Brand Awareness memiliki arah yang positif terhadap Keputusan Pembelian Kerudung Meizaya. Hal ini didukung dengan nilai thitung untuk Brand Awareness (X1) sebesar 4,518 lebih besar dari nilai ttabel sebesar 1,984 (2,916 > 1,984) dan nilai sig. uji t pada Brand Awareness lebih kecil dari 0,05 (0,004 < 0,05) dan Marketing Mix memiliki arah yang positif terhadap Keputusan Pembelian Kerudung Meizaya. Hal ini didukung dengan nilai thitung untuk Marketing Mix (X2) sebesar 2,019 lebih besar dari nilai ttabel sebesar 1,984 (6,268 > 1,984) dan nilai sig. uji t pada Marketing Mix dari 0,05 (0,000 < 0,05). Brand Awareness dan Marketing Mix secara bersama-sama Kep utusan pembelian Kerudung Meizaya. Hal ini didukung dengan nilai fhitung yang diperoleh sebesar 226,033 lebih besar dari nilai ftabel sebesar (226,033 > 3,93).
Pengaruh Literasi Keuangan Syariah dan Pemasaran Terhadap Pengambilan Keputusan Nasabah Melakukan Pembiayaan Mikro Di Baitul Mal Aceh Singkil M. Iqbal; Mutiah Khaira Sihotang
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.215

Abstract

The economic developments taking place in the world have resulted in an increasing number of financial products being offered to the public. explaining financial literacy has become increasingly complex over the last few years with the introduction of many new financial products. This requires people to have more financial knowledge to be able to address this. This is important because financial knowledge is closely related to financial behavior. Financial literacy is a component that becomes human capital that can be used in financial activities to increase the expected utility of consumption, namely behavior to increase economic welfare. The type of research used in this study is a quantitative approach. The quantitative approach is scientific research that systematically examines the parts and phenomena and their relationships. Quantitative data, namely systematic scientific research in the form of questionnaires and calculations as well as outlined in tabular form positive contribution and significant effect of Islamic financial literacy on customer decisions. From the results of the R square, which is equal to 0.770, it means that 77.0% of Islamic Financial Literacy can be explained by the customer's decision variable, while the remaining 33.0% can be explained by other variables such as education, employment status and other variables. Based on the results of previous research, the writer realizes that there are still many limitations and mistakes in this research. However, this research is expected to provide a useful contribution to the company.
Analisis Faktor - Faktor Yang Mempengaruhi Preferensi Konsumen Dalam Pembelian Produk Frozen Food (Studi Kasus Pelanggan “Nadelia Frozen” Patumbak Medan) Rivaldi Pranata; Rahmayati Rahmayati
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.232

Abstract

Frozen food is food that is processed and then packaged in half-cooked packaging and when consumed must go through a re-processing process, namely by heating it in a frying pan. Frozen Food is a storage process before processing. Frozen food or processed frozen food is the result of a food preservation method which is carried out by lowering the temperature to freezing point, this aims to slow down the spoilage process and preserve the food for months depending on the type of food. Frozen food is also defined as food that is frozen with the aim of preserving the food until it is ready to be eaten. This research design uses quantitative research methods, which test certain theories by examining the relationships between variables. These variables are measured using research instruments, so that data consisting of numbers can be analyzed based on statistical procedures. This type of research uses associative research. Associative research is a temporary answer to associative problem formulations, namely those that ask about the relationship between two or more variables. In this research, we analyze the influence of price and promotion on consumer preferences at the "Nadelia Frozen" shop in Patumbak Medan. Based on data obtained in research regarding Analysis of Factors that Influence Product Purchases. The number of respondents in this study was 30 respondents, then analyzed, it was concluded as follows: Based on partial research results, the brand variable is the most dominant factor that has a positive and significant influence on purchasing frozen food products. Based on partial research results, the product variable has a positive and significant effect. on purchasing frozen food products, based on partial research results, the market competition variable has no effect on purchasing frozen food products. Based on simultaneous research results, the variables Brand, Product and Market Competition have a positive and significant effect on purchasing frozen food products. Based on the conclusions, suggestions that can be put forward in increasing purchases of frozen food products in Patumbak Medan are: Considering that brands and products have a positive and significant influence on purchases of frozen food products in Patumbak Medan, it is best to maintain and improve product quality and maintain the good name of the brand. It is hoped that the company will make strategies for building brand images, products so they can compete in the market. The results of this research can be used to develop management knowledge in the future to be better at marketing products with known brands, so they can compete in market competition.
Pengaruh Literasi Halal, Dan Tingkat Harga Terhadap Keputusan Pembelian Produk Skincare Bahrotul Dwi Safitri; Ahmad Syahrizal; Ogi Saputra
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.306

Abstract

This research aims to determine the influence of halal literacy and price levels on purchasing decisions for skincare products. The method used in this research is a quantitative research method. The data collection technique is carried out by filling out a questionnaire. The sample used was 96 respondents where the sample was taken using non-probability sampling techniques. Based on the results of the research that has been carried out, it can be concluded that the results of the research show that there is a simultaneous influence between the level of halal literacy and the price level on purchasing decisions with Fcount of 26.435, this value is greater than Ftable, namely 3,09 with a significance of 0.000. The determination test shows how much influence the halal literacy variables and price levels have on purchasing decisions, an R square value of 0.326 or 100 x 0.326 = 32.6% is obtained. So the contribution of halal literacy and price levels is 32.6% while the remainder (100% - 32.6% = 67%) is influenced by other factors.
Pengaruh Fasilitas Dan Promosi Terhadap Minat Berkunjung : Survei Pada Pengunjung Kolam Renang ASB Rajapolah Kabupaten Tasikmalaya Adnan Robi Senjaya; Ari Arisman; Depy Muhamad Pauzy
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.338

Abstract

This study aims to determine the effect of facilities and promotions simultaneously on the interest in visiting the ASB Rajapolah Swimming Pool. Partial influence of facilities and promotions on interest in visiting the ASB Rajapolah Swimming Pool. The method used in this research is quantitative with a survey approach. With a research sample of 100 people as ASB Rajapolah Swimming Pool respondents based on 100 known population data. The data used is primary data. The analytical tool used in this study is multiple linear regression using the SPSS support application version 25. The test results show that facilities and promotions simultaneously have a significant effect on visiting. Partially, the facility variable has a significant effect on the intention to visit, as well as the promotion variable, which partially has a significant effect on the intention to visit.
Presepsi Masyarakat Kajen dalam Penggunaan Jasa Tabungan Syariah di Wilayah Kabupaten Pekalongan Selfi Nirmalasari; Siti Robiah; Muhammad Alief Fikri Dzikriansyah; Fiya Saadah Alma Fatih; Dyah Anindita Nur Wulandari
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.364

Abstract

As time goes by, economic activity in Indonesia certainly experiences development, as does the development of increasingly modern technology. This development also spread to Islamic banking. The beginning of the development of the Islamic finance industry was initiated by the inspiration of the Indonesian people, who are predominantly Muslim. The purpose of this study is to analyze how the perception of the Kajen community is related to sharia-based savings services in the Pekalongan Regency area. The method used in this study uses a qualitative approach with research subjects from the Kajen community based on a representative principle. Source of data in this study using primary data by using interviews with informants. The results of this study are that people already understand the existence of sharia savings services. Sharia savings institutions in the community include BSI, Bank Muamalat, BTM, BMT, BTN. According to public perception, sharia savings services have attractive performance and friendly service. However, there are several obstacles in terms of opening sharia savings, namely the many requirements that must be met.

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