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Journal of Islamic Economics and Finance
Published by Sekolah Tinggi Ilmu Kesehatan Ibnu Sina Ajibarang
ISSN : 30217458     EISSN : 3021744X     DOI : 10.59841
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
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
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 175 Documents
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Tinjauan Ekonomi Islam pada Implementasi Gadai Emas di Pegadaian Syariah Sakirah Sakirah; Wahyuni Wahyuni; Andi Oddang; Sitti Nikmah Marzuki
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: 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.v3i1.2189

Abstract

This study discusses the practice of gold pawn in Islamic Pawnshops from the perspective of Islamic economics, focusing on the validity of the contract and the determination of ujrah (storage fees). The gold pawn product in Islamic Pawnshops involves three contracts: qardh (loan), rahn (collateral), and ijarah (storage fees). The combination of these contracts is often debated, as it is considered a hybrid contract prohibited under certain standards, such as AAOIFI. The research findings indicate that these contracts are carried out separately and in accordance with Sharia principles, making them valid. The determination of ujrah, according to the Fatwa of DSN-MUI, should be based on storage costs, not the loan amount. However, in practice, ujrah is often calculated based on the loan value, which could lead to unfairness. The results of this study show that the gold pawn practice in Islamic Pawnshops generally complies with Sharia principles, although improvements in transparency and the determination of ujrah fees are necessary. Recommendations are provided to enhance education and refine the contract mechanism to better align with Sharia.
Tantangan Globalisasi terhadap Penerapan Konsep Falah dalam Ekonomi Islam Fakhrezi Wildan Hrp; Falih Arkan Hasibuan; M. Hanif Abrar; Ahmad Wahyudi Zein
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: 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.v3i1.2192

Abstract

This article discusses the complexity of the challenges faced by Islamic economics in the evolving context of globalization. Using a qualitative research method based on a literature review, this article identifies and analyzes various factors that influence the application of the concept of falah, which means prosperity and success in the Islamic economic system. In the era of globalization, Islamic economics must face several major challenges, including; facing difficulties in integrating Islamic values with global economic practices that tend to be capitalist, the need to create competitive products and services in accordance with sharia principles, the need for a regulatory framework that supports the development of Islamic economics in order to compete in the global market, increasing public understanding of the principles of Islamic economics and its benefits. This article concludes that to overcome these challenges, a collaborative strategy is needed between the government, Islamic financial institutions, academics and the community. With an integrated approach, Islamic economics can capitalize on opportunities in a dynamic global economic system and has the potential to become a sustainable and inclusive alternative.
Analisis Aksiologi dalam Filsafat Ekonomi Islam: Integrasi Nilai Keadilan, Etika, dan Kesejahteraan dalam Pembangunan Ekonomi Berkelanjutan Putri Azkia Risyda; Raihana Azzahra; T. Razita Syahinda
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: 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.v3i1.2193

Abstract

This writing aims to describe how the importance of the role of Axiology in planning sustainable economic growth, especially in preventing adverse impacts that can occur in the future. This study is a literature review using a qualitative approach with a descriptive type. conducting document study data collection techniques where the process of searching for data through internet media to obtain information based on references, journals, articles or books online related to the object of analysis. The results of this study show that the concept of axiology in Islamic economic philosophy not only has a role in directing individual behavior in economic activities, but also seeks to build a more just and sustainable economic system. The current economic development is not enough to be fully felt by the community. So that the integration of the values of Justice, Ethics and Welfare has not been fully realized. Therefore, the existence of SDG is a planned agenda that aims to prosper the community through the development of the Social, Economic, Environmental and governance sectors carried out by the government.
Analisis Kesadaran Masyarakat Indonesia Tentang Pentingnya Asuransi Syariah Siska Permata Sari Harahap; Zainarti Zainarti
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: 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.v3i1.2210

Abstract

The aim of this research is to determine the level of public awareness Indonesian people regarding the importance of sharia insurance. Even though there is an increase in public interest in sharia insurance, with data showing a about 39% increase in comprehension between 2016 and 2020, the level of awareness is still relatively low. This results from a failure to comprehend the basic principles of sharia insurance, lack of access to effective education and outreach, and distrust of sharia financial institutions. This research found that the millennial generation shows greater interest in sharia insurance, However, many people still do not know the distinction between conventional and sharia law insurance. Therefore, more intensive efforts are needed to increase sharia financial literacy and inclusion through comprehensive education programs. This research recommends stakeholders to develop more effective strategies in increasing sharia insurance penetration and building public awareness about the importance of insurance in everyday life. Thus, increasing public awareness and understanding of sharia insurance is expected to expand sharia financial inclusion and provide broader benefits for society and the Indonesian economy.
Analisis Faktor-Faktor Penyebab Kurangnya Pemahaman Masyarakat Tentang Asuransi di Indonesia Yulia Febrianti; Zainarti Zainarti
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: 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.v3i1.2212

Abstract

The purpose of this study is to examine the elements that contribute to the Indonesian population's poor insurance knowledge. Even though insurance plays a significant role in offering financial security, public involvement is still minimal. This study highlights a number of important elements, such as a strong sense of communal solidarity, limitations in commercial communication, and inadequate financial literacy. People often rely on unofficial social assistance, which makes them believe that insurance is not necessary. Misunderstandings about the advantages of insurance are also a result of insurance firms' poor marketing strategies and lack of socialization. Data was gathered from a variety of pertinent literature sources using a literature review and qualitative analysis process. The results show that more successful teaching approaches that are appropriate for the local cultural context are required to improve public awareness and involvement in insurance. It is anticipated that this research will aid in the creation of programs and policies that will raise insurance literacy in Indonesia.
Dampak Pembangunan dan Pendapatan terhadap Kemiskinan dan Kesenjangan di Kota Medan Muhammad Anwar; Hanif Abrar; Yogi Pandapotan Siregar; Ahmad Fauzi Al Munawar
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: 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.v3i1.2238

Abstract

Firms big and small that can weather the economic storm will be able to hire more people and put more people out of poverty. Lacking proper asset segregation, small and medium-sized firms in Medan's Kampung Baru, Maimun District, tend to skimp on accounting. Intuition and expertise continue to guide the decision-making process for the majority of these heavy traders. One goal of PKM in basic accounting courses for SMBs is to teach students how to perform accounting in a way that is both methodical and crucial for measuring revenue, expenses, and profits. to keep up with the company's progress. In the Medan Maimun District of Kampung Baru Village, there are three steps to carrying out community service: conducting interviews and field observations, training, and mentoring and monitoring. Increased work motivation is one possible outcome of this activity's success in expanding participants' understanding of basic accounting and bookkeeping principles and practices.
Pemberdayaan UMKM dalam Ekonomi Pembangunan Sebagai Solusi Pengurangan Kemiskinan dan Peningkatan Kesejahteraan Ferdi Gunawan Siagian; Syahrinal Fajri; Mahesa Marpaung
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: 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.v3i1.2296

Abstract

This study uses a quantitative method to examine the empowerment of Micro, Small, and Medium Enterprises (MSMEs) in the context of economic development, focusing on their role in poverty reduction and improving welfare. MSMEs play an essential role in creating jobs, alleviating poverty, and strengthening the economy, particularly in developing countries such as Indonesia. The study aims to analyze how MSME empowerment can reduce existing social and economic inequalities, while also contributing positively to the social welfare of communities. The main focus of this research is on empowerment programs implemented by both the government and the private sector, as well as the challenges and opportunities for MSME players across various sectors. Using primary and secondary data from 15 relevant journals, this study finds that better access to financing and appropriate training can increase MSMEs’ competitiveness, improving the welfare of micro and small business owners. The findings are expected to provide valuable insights for policymakers in formulating more effective MSME empowerment strategies.
Inovasi Produk Asuransi Syariah : Tinjauan Literatur terhadap Tren Pasar dan Preferensi Konsumen Pristiwanto Bani
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: 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.v3i1.2341

Abstract

This study aims to conduct a narrative review of the Sharia insurance product innovation literature, focusing on market trends and consumer preferences. This study is intended to provide a comprehensive understanding of the current developments in the Sharia insurance industry and identify opportunities for future product innovation. This literature review uses a narrative literature review method, conducted using academic databases from leading books and articles such as Scopus, Google Scholar and Web of Science. Searches using the keywords “product innovation,” “sharia insurance or takaful,” “market trends,” and “consumer preferences” resulted in a selection of relevant articles, which were then analyzed and categorized based on the main themes of sharia insurance market trends, consumer preferences, and product innovation. The review period covers publications from 2015 to 2024 to capture the current dynamics in the industry. The review results show a significant increase in interest in sharia insurance, especially after the global financial crisis. Market trends show a steady growth in adopting Sharia insurance across countries, with increasing consumer preference for products under Islamic principles. Product innovation has evolved from traditional models such as Mudarabah and Wakalah to more sophisticated approaches, including hybrid and Waqf-based products. The study also reveals the need for more diverse products tailored to the specific needs of local markets. The review highlights the need for further research on innovative Takaful product development. Sharia Insurance companies need to focus on better understanding consumer preferences and developing products that comply with Shariah principles and offer competitive added value. In addition, there is a need to explore the integration of digital technologies in the development and distribution of Takaful products. The study provides a comprehensive view of the current landscape of product innovation in the Takaful industry, emphasising market trends and consumer preferences. The review not only fills the gap in the existing literature but also provides a foundation for future research in this emerging field.
Efisiensi Program Dana Pensiun Lembaga Keuangan Muamalat dalam Mengelola Dana Pensiun Syariah di Kabupaten Cirebon Nurul Alifiya; Ika Fijriya; Anwar Ihsan Hidayat; Fahmi Sabila Nugraha
Journal of Islamic Economics and Finance Vol. 3 No. 1 (2025): Februari: 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.v3i1.2361

Abstract

Often, the quality of human life, whether individually, in groups, communities, or countries, becomes a benchmark for economic welfare. The purpose of this study is to determine the effectiveness of the DPLK Syariah Muamalat program in Cirebon Regency. In this study, a descriptive qualitative approach is used. This is to describe and explain certain phenomena, conditions, or events in the existing data. The results of the study show that DPLK Muamalat as a sharia-based pension fund management institution has high efficiency by investing in halal instruments such as sukuk, sharia stocks, and sharia deposits. The programs offered include individual and corporate pension funds with investment flexibility, management transparency, and digital-based services. The marketing strategy is focused on education and collaboration to increase public literacy about the importance of sharia pension funds. Despite facing the challenge of low public understanding, DPLK Muamalat has a great opportunity as the only sharia-based DPLK in Indonesia.
Analisis Pengaruh Halal Brand Awareness, Viral Marketing dan Service Quality Terhadap Brand Image Coffee Shop di Kota Tasikmalaya Alwan Azis Mustafa; Adhi Prapaskah Hartadi; Cupian Cupian
Journal of Islamic Economics and Finance Vol. 3 No. 2 (2025): Mei: 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.v3i2.2472

Abstract

Coffee shops have grown rapidly as part of a modern lifestyle, particularly in Tasikmalaya City, which is known as a city of Islamic boarding schools with a majority Muslim population and high religiosity. However, there are still many coffee shops in the city that have not been registered for halal certification, leading to confusion among Muslim consumers regarding what is permissible to consume according to sharia law. This issue highlights the need for clear information on halal products to help Muslim consumers make informed choices when visiting coffee shops. Therefore, the purpose of this study is to examine the effect of halal brand awareness, viral marketing, and service quality on the brand image of coffee shops in Tasikmalaya City. The study uses a quantitative approach with a survey method. Data were collected through questionnaires, which were distributed both online and directly to Muslim generation Z coffee shop consumers in Tasikmalaya City, with a total of 131 respondents. The sampling method used was purposive sampling. Data analysis was conducted using the Structural Equation Modeling (SEM) technique with the help of SmartPLS 4 software. The results of the study indicate that halal brand awareness, viral marketing, and service quality have a positive and significant effect on the brand image of coffee shops in Tasikmalaya City. These findings suggest that improving halal brand awareness, leveraging viral marketing strategies, and providing excellent service quality are essential for enhancing the brand image and attracting more Muslim consumers to coffee shops in the city.

Page 13 of 18 | Total Record : 175

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