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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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Peran Kebijakan Fiskal dan Moneter Islam dalam Mewujudkan Keadilan Nurul Istiqomah; Maghfira Izzany; Aliya Nurhasanah
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): 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.v3i3.2863

Abstract

The continuing economic inequality in Indonesia reflects the need for alternative approaches in macroeconomic policy. This study aims to analyze the integrative role of Islamic fiscal and monetary policies in realizing sustainable economic justice. The method used is a literature study of various relevant national and international scientific journals. The results show that Islamic fiscal policy through zakat and waqf instruments plays a role in wealth redistribution, while usury-free and real sector-oriented Islamic monetary policy maintains economic stability in an ethical manner. Compared to conventional economic systems, the Islamic approach offers a balance between spiritual values and economic effectiveness. The findings also show the importance of institutional synergy, public literacy, and integrated regulation to optimize the integration of the two policies. The implications of this research provide theoretical contributions for the development of Islamic economic models and offer strategic recommendations for the formulation of more equitable and inclusive public policies.  
Membedah Perbedaan Antara Ekonomi Syariah dan Ekonomi Konvensional Khairunnisa Khairunnisa; Rahmi Sekar Andhini
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): 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.v3i3.2886

Abstract

This study uses a qualitative method and aims to dissect the differences between Islamic economics and conventional economics. This study found that Islamic economics is based on Islamic principles reflected in the Qur’an and Hadith, emphasizing social justice, balance, and avoiding elements of usury, gharar, and maysir in every economic activity. Meanwhile, conventional economics is based on the principles of a market economy that aims to maximize material profits without considering spiritual or moral aspects. The source of conventional economic law comes from rules made by humans, while Islamic economics refers to the law of Allah. The Islamic financial system uses profit- sharing mechanisms and halal investments, while the conventional system relies on interest as the main source of income. In addition, Islamic economics integrates social instruments such as zakat, infaq, and sedekah for wealth redistribution, while conventional economics emphasizes taxes and government policies. Thus, this study confirms that the fundamental differences between the two systems lie in their philosophical foundations, objectives, and operational mechanisms.
Analisis Ekonomi Publik Menurut Perspektif Islam Billi Jenawi; Devani Tarigan; Ahmad Wahyudi Zein
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): 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.v3i3.2887

Abstract

In many developing countries today, the capitalist economic system still dominates. Not infrequently, this system causes various problems when applied in the governance of a country's economy. These problems generally arise because policies, regulations, and public financial management have not been directed at the principles of Islamic economics (sharia). In fact, the public economic system based on sharia provides guarantees for the fulfillment of state needs (income) and people's needs (expenditure). In addition, the rampant practice of misappropriation such as fraud and corruption has also caused the loss of public trust in public economic management. This condition contributes to the economic crisis and exacerbates the suffering of the people. Therefore, to solve these problems, the government needs to adopt a public economic concept based on Islamic values, because this system has been proven to be able to encourage justice and improve social welfare. This study uses a qualitative method with a literature study approach. The findings in the study indicate that there are various sources of income in the Islamic economy that can be utilized as public finances, such as Ghanimah, Fa'i, Jizyah, Kharaj, Waqf, Nawaib, Zakat, Infak, Sedekah, and 'Usr. Meanwhile, state expenditure is allocated to fulfill basic community needs, state defense and administration, education, social security, and development of infrastructure and public facilities. Keywords: Capitalism, Economic system, Public sector In many developing countries today, the capitalist economic system still dominates. Not infrequently, this system causes various problems when applied in the governance of a country's economy. These problems generally arise because policies, regulations, and public financial management have not been directed at the principles of Islamic economics (sharia). In fact, the public economic system based on sharia provides guarantees for the fulfillment of state needs (income) and people's needs (expenditure). In addition, the rampant practice of misappropriation such as fraud and corruption has also caused the loss of public trust in public economic management. This condition contributes to the economic crisis and exacerbates the suffering of the people. Therefore, to solve these problems, the government needs to adopt a public economic concept based on Islamic values, because this system has been proven to be able to encourage justice and improve social welfare. This study uses a qualitative method with a literature study approach. The findings in the study indicate that there are various sources of income in the Islamic economy that can be utilized as public finances, such as Ghanimah, Fa'i, Jizyah, Kharaj, Waqf, Nawaib, Zakat, Infak, Sedekah, and 'Usr. Meanwhile, state expenditure is allocated to fulfill basic community needs, state defense and administration, education, social security, and development of infrastructure and public facilities.
Gaya Hidup Konsumtif Generasi Z dan Kaitannya dengan Inflasi dalam Perspektif Ekonomi Syariah Annisa Annisa; Norbaiti Norbaiti; Walinasifa Walinasifa; Norkhadizah Makkiah; Muhammad Iqbal Sanjaya
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): 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.v3i3.2916

Abstract

This study aims to provide an overview of the consumption patterns of Generation Z and how they relate to inflation from an Islamic economics perspective. A library research strategy is used in this investigation. Information was gathered from a number of sources, such as books, journals, and other problem-related scientific resources. The results indicate that Gen Z's consumption habits could lead to demand-pull inflation, or an increase in inflation. Prices rise when the supply cannot keep up with the substantial increase in demand for products and services brought on by consumer behavior. When Gen Z consumes technology, fashion, entertainment, and food items all of which are frequently popular and seasonal this issue becomes more noticeable. Consumption is controlled in Islamic economics to avoid becoming wasteful (tabzir) or excessive (israf). Needs (maslahah), not only wants or carnal emotions, must be the basis for consumption. The primary remedy, according to Islamic economics, is to emphasize beneficial consumption, Islamic-based money management, and bolstering social and spiritual values in order to curb consumption and prevent detrimental effects on people or the economy.  
Perekenomian pada Masa Khulafaur Rasyidin Mara Hamdan Tambunan; Zahra Audi Maharani; Albina Humaira Manurung; Jeane Agretta Mandalika
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): 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.v3i3.2918

Abstract

This research discusses the economic policies implemented during the leadership of the Khulafaur Rashidin and their impact on the welfare and stability of the Muslim community. Through a descriptive qualitative method with a literature study approach, this research analyzes key policies such as the establishment of Baitul Mal, zakat and tax management, infrastructure development, as well as administrative reforms and wealth distribution by the caliphs. The results show that these policies played an important role in creating a fair distribution of wealth, improving people's welfare, and maintaining economic and social stability. The Islamic economic principles applied, such as social justice, transparency, prohibition of usury, and market supervision, have proven to be relevant and can be an inspiration in facing modern economic challenges.
Pengaruh Faktor Sosial-Ekonomi dan Religiusitas Keluarga Muslim terhadap Keputusan Kepemilikan Saham di Indonesia Shobiyyah Marzuqoh
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): 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.v3i3.2919

Abstract

The participation of Muslim families in Indonesia’s capital market remains relatively low despite increasing access to financial instruments. This low level of stock ownership highlights the need to analyze the influencing factors. This study aims to examine the effect of socio-economic factors and religiosity on stock ownership decisions among Muslim families in Indonesia. The data used are panel data from the Indonesian Family Life Survey (IFLS) for the years 2007 and 2014, consisting of 32,074 observations from 16,037 household heads. The independent variables include gender, age, household size, income, education level, marital status, social expenditures, area of residence, employment status, and religiosity. The analysis was conducted using probit regression, supported by likelihood ratio tests, goodness-of-fit measures, and marginal effects analysis. The results show that most socio-economic and religiosity variables significantly influence stock ownership decisions. These findings indicate that the investment behavior of Muslim families is shaped by a combination of structural characteristics and religious values. The implications of this study may serve as a foundation for developing contextual and inclusive financial literacy policies.
Faktor-Faktor yang Memengaruhi Niat Berwirausaha Mahasiswa Muslim dalam Perspektif Islam: Studi Kasus di Universitas Padjadjaran Nisrina Nur Aini Marwah; Vita Sarasi
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): 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.v3i3.2926

Abstract

Young generation dominated the unemployment rate in Indonesia, highlighting the need to increase the number of entrepreneurs to create new job opportunities. However, the number of entrepreneurs, particularly Muslim entrepreneurs, remained relatively low. To encourage individuals to do entrepreneurship in the future, a strong entrepreneurial intention is required. Thus, this study aims to analyze the factors that influence the entrepreneurial intention of Muslim students from internal and external aspects and from an Islamic perspective. These factors included self-efficacy, family support, peer support, and institutional support with knowledge of entrepreneurial skills, risk-taking ability, and innovative behavior as mediators. This research was conducted on 215 Muslim students at Padjadjaran University using a questionnaire and analyzed using SmartPLS. The results showed that self-efficacy, family support, peer support, and institutional support have a positive and significant effect on entrepreneurial intention through mediating variables. Additionally, innovative behavior has a positive and significant effect as a mediator in the research model. These findings provide insights for academics and practitioners to support entrepreneurship development, especially among Muslim students.
Pengaruh Religiusitas, Literasi Zakat, dan Kepercayaan (Trust) terhadap Minat Muslim Generasi Z dalam Membayar Zakat Digital Rabi’ah Maharani Putri; Dika Jatnika
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): 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.v3i3.2927

Abstract

In the digital era, paying zakat has become more convenient through digital platforms such as BAZNAS, Gopay, and OVO. However, this convenience also comes with risks, such as the leakage of personal data, which can affect Generation Z’s interest in paying zakat digitally. Furthermore, zakat literacy in Indonesia remains relatively low. This study aims to analyze the influence of religiosity, zakat literacy, and trust on the interest of Muslim Generation Z in paying digital zakat. A quantitative approach was used with data analysis conducted through Structural Equation Modeling (SEM) using the Partial Least Square (PLS) method via SmartPLS 4.0 software. The results show that religiosity and trust have a significant effect on the intention to pay digital zakat, while zakat literacy does not have a significant impact. These findings imply that zakat institutions should focus on strategies that strengthen trust and religiosity to increase Generation Z’s participation in digital zakat payment.
Pengaruh Pembiayaan Syariah terhadap Pertumbuhan UMKM di Indonesia Bastian Ahmadan; Agung Laksono; Reni Ria Armayani Hasibuan
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): 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.v3i3.2959

Abstract

This research intends to assess the influence of sharia reform on the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, focusing on key sectors that underpin the national economy. This article employs quantitative methods and secondary data acquired via digital literature research to offer the most recent findings from many sources, including OJK publications, Bank Indonesia, and certified scientific journals. The study's results demonstrate that sharia-compliant principles, including mudharabah, musyarakah, and murabahah, substantially enhance the development, prosperity, and strength of MSMEs. Mudharabah, musyarakah, or murabahah substantially enhance the development, prosperity, and strength of MSMEs. This research provides significant insights for the advancement of equitable and sustainable finance within the Indonesian Islamic economic framework.
Revitalisasi Sistem Ekonomi Syariah terhadap Perkembangan Ekonomi Syariah Anisa Suci; Efri Islami Hasibuan
Journal of Islamic Economics and Finance Vol. 3 No. 3 (2025): 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.v3i3.2960

Abstract

The Islamic economic system discusses the various challenges faced by Indonesia in developing this sector, the potential of the nation, and the achievements that have been achieved to date. The writing of this scientific paper aims to identify the main challenges in the development of the Islamic economy in Indonesia, explore strategic potentials that can be utilized, and examine the extent to which the development of the Islamic economy has taken place in the country. The data sources used come from literature such as relevant books, as well as additional information from online searches to enrich insights. The method used is a qualitative descriptive approach, which describes the situation systematically based on available data. The results of the analysis show that despite a number of obstacles, such as limited human resources, low Islamic financial literacy, and infrastructure challenges, the implementation of the Islamic economic system still has strong prospects. This is supported by the great potential that Indonesia has, including a very large Muslim population, government support, and increasing public interest in sharia-based products and services.

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