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Contact Name
Aufa Rizka Azzumi
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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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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
Pengaruh Maqashid Syariah terhadap Kebahagiaan Muslimah di Indonesia: Studi Kasus Ifls 5 Tahun 2014 Fella Rifnawati; Alifia Epriyani
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.v3i3.2962

Abstract

This study aims to analyze the effect of maqashid sharia on Muslim women's happiness in Indonesia, using data from the Indonesian Family Life Survey (IFLS) 5th wave 2014. Maqashid sharia, as a core concept in Islamic law, focuses on the maintenance of five main aspects, namely religion (ad-din), soul (an-nafs), intellect (al-aql), offspring (an-nasl), and property (al-mal). This study examines whether the implementation of maqashid sharia principles coupled with region of residence as a control variable has a significant impact on the subjective happiness of Muslim women in Indonesia. Using logit regression method and STATA software, this study found that the maintenance of health (soul), education (mind), and income (wealth) has a significant positive effect on Muslimah's happiness, heredity (lineage) shows an insignificant negative effect, religiosity (religion) shows a positive and significant relationship, while the region of residence has an insignificant negative relationship with the level of happiness of Muslimah in Indonesia. These results indicate that the subjective happiness of Indonesian Muslim women is more influenced by material dimensions than philosophical or spiritual matters. This research is expected to contribute to the formulation of public policies that support the social welfare of Muslimahs based on maqashid sharia.
International Business Finance : Multinational Corporation Abdul Rohim; Dwi Nur Farah; Hesty Nurlita Fauzia; M Nofal Abdillah; Muhammad Ilzam Firdaus
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.v3i3.2980

Abstract

  This study examines the role of multinational corporations (MNCs) in the context of international business finance, focusing on the reasons for overseas expansion and the globalization of financial products and markets. The discussion includes strategic, operational, and financial motivations that drive companies to expand internationally. In addition, this study analyzes the impact of global financial market integration on MNCs' cross-border activities. The study concludes that global expansion and market globalization provide MNCs with opportunities to increase efficiency, reach new markets, and manage risk more optimally in an interconnected economy.
Potensi Industri Mebel Berbasis Pemberdayaan Tenaga Kerja Lokal di Kelurahan Bukir, Kota Pasuruan: Analisis Kontribusi Ekonomi dan Penyerapan Tenaga Kerja Izzatul Mula; Auliya Ristiani; Diana Novitasari; Rifa Felina; Ningrum Puji Lestari
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.v3i3.2999

Abstract

The furniture industry in Bukir Village, Pasuruan City, is one of the leading small and medium-sized industries (SMIs) that contributes significantly to local economic growth and employment. This study aims to analyze the potential of the furniture industry based on the empowerment of local workers, identify its contribution to the regional economy, and evaluate the level of employment in this sector. The research method employs a qualitative approach with data collection techniques through literature review and structured interviews. The results show that the furniture industry in Bukir Village has grown rapidly since 1980 with the support of the East Java Provincial Technical Implementation Unit (UPT) for Wood. Currently, there are 40 active businesses that can absorb 800-1,200 local workers, equivalent to 85% of the total workforce in the village. This industry uses a made-to-order production system with teak and sonokeling wood as raw materials and has expanded into the export market to Malaysia and other Southeast Asian countries. This study recommends strengthening marketing digitalization, improving human resource skills, and intensifying government support to enhance the competitiveness of the Bukir furniture industry.
Pengaruh Literasi Keuangan dan Layanan Fintech terhadap Perilaku Manajemen Keuangan Mahasiswa Pendidikan Ekonomi di Universitas PGRI Wiranegara Auliya Ristiani; Sugeng Pradikto
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.v3i3.3023

Abstract

This study aims to analyze how financial literacy and the frequency of use of financial technology (fintech) services affect the financial management patterns of students in the Economics Education Study Program at Universitas PGRI Wiranegara. The digitalization era has changed the way students manage their finances, which now combine traditional financial understanding with the implementation of digital technology innovations. This research uses a quantitative method with an explanatory approach, involving respondents selected through random stratification to ensure balanced representation. Data collection uses a Likert scale questionnaire instrument, while data analysis applies a multiple linear regression model. Empirical results prove that financial literacy and fintech utilization both have a significant and positive impact on students' financial management patterns. Together, these two factors can explain most of the variation in respondents' financial behavior. These findings emphasize the importance of integrating fundamental financial knowledge with the ability to adapt to digital technology as a foundation for forming effective financial management competencies in the modern era. In terms of implementation, the results of this study suggest strengthening the economics education curriculum that includes learning digital financial literacy and the use of fintech services that are wise and ethical.
Dampak Pemberdayaan Perempuan terhadap Angka Kekerasan dalam Rumah Tangga (KDRT) di Provinsi Maluku Utara Marnita Dahlan; Chairullah Amin; Amran Husen
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.v3i3.3026

Abstract

The government's efforts to reduce domestic violence (KDRT) in North Maluku Province have been carried out, among others, through the implementation of women’s empowerment programs. This study aims to examine whether the Gender Empowerment Index (IDG), Gross Regional Domestic Product (GRDP) percapita, women's involvement in home-based industries (IR), and the intensity of domestic violence socialization programs have a significant effect on domestic violence rates across districts/cities in North Maluku. This research utilizes panel data regression analysis with data spanning the years 2016–2024. The data were processed using Microsoft Excel and STATA14 software. The findings indicate that the increased participation of women in the economic and political sectors has not yet fully translated into a reduction in domestic violence, largely due to persistent social norms and patriarchal values within households. This suggests that economic factors alone are not sufficient to explain the prevalence of domestic violence. However, women's involvement in home-based industries was found to significantly improve their economic independence and bargaining power within the household. Furthermore, consistent government-led domestic violence awareness campaigns have proven effective in enhancing protection mechanisms for women at risk. In conclusion, the study finds that the Gender Empowerment Index (IDG) and GRDP per capita do not have a statistically significant impact on domestic violence rates. Conversely, women's participation in home-based industries and domestic violence socialization efforts are significantly associated with reductions in domestic violence in North Maluku Province.
Pengaruh Tren Pencarian Google terhadap Preferensi Konsumen Asuransi Syariah dan Konvensional di Indonesia Hafshoh Hafidzoh; Yayan Satyakti
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.v3i3.3039

Abstract

The insurance penetration rate in Indonesia remains relatively low, despite the important roles of both conventional and sharia insurance in mitigating unexpected financial risks. As a Muslim-majority country, consumer preferences for insurance models aligned with personal values represent a crucial concern, yet are still rarely explored using actual behavioral data. This study aims to examine the influence of Google search trends on consumer preferences in choosing between sharia and conventional insurance in Indonesia. The research applies binary logistic regression using a combination of primary data (questionnaire) and secondary data (Google Trends). Respondents were purposively selected based on stable economic status and prior experience in searching for insurance information. The results reveal that search trends significantly influence preferences for sharia insurance, but not for conventional insurance. Furthermore, religiosity and its interaction with search trends also significantly affect preferences for both insurance models. These findings contribute to big data-based consumer research and offer strategic implications for academics, industry stakeholders, and regulators in enhancing insurance literacy and participation in Indonesia..
Pengaruh Disiplin Kerja dan Insentif terhadap Kinerja Karyawan pada PT Sun Star Prima Motor Dealer Mitsubishi Siliwangi Aldy Afrizal Setiawan; Aprilia Puspasari
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.v3i3.3072

Abstract

This study aims to determine the influence of work discipline and incentives on employee performance at PT Sun Star Prima Motor Dealer Mitsubishi Siliwangi. The background of this research is based on the importance of internal factors such as discipline and incentivization in encouraging increased work productivity in the automotive sector, especially in the motor vehicle dealer environment. The research method used was quantitative with an associative approach, where data was collected through questionnaires distributed to 53 respondents who were permanent employees in the operational and administrative departments. The data analysis technique uses multiple linear regression to test the extent to which the variables of work discipline (X₁) and incentives (X₂) affect employee performance (Y). The results of the study show that work discipline has a significant positive effect on employee performance and the incentives provided, proven to have a significant and positive influence on performance improvement. Simultaneously, the two independent variables made a significant contribution to improving employee performance with a calculated f-value of 33.695 which means > f the table or 33.695 > 3.187 and a significance value of 0.000 which is smaller than 0.05 or 0.000 < 0.05. The conclusion of this study is that managerial efforts in improving work discipline and providing appropriate incentives can be an effective strategy in encouraging employee performance in the automotive dealer sector.
Peran Penganggaran dalam Proses Pengambilan Keputusan di Tingkat Manajerial Nurhasanah Nurhasanah; Elijon Tumanggor; Iman Putra Jaya Hulu
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.v3i3.3075

Abstract

Budgeting plays a crucial role in organizational planning and control processes. This study aims to examine the strategic function of budgeting in managerial decision-making. Using a qualitative descriptive approach and literature review methodology, the study reveals that budgeting acts as a guide for resource allocation, performance evaluation, and uncertainty reduction in decision-making. Moreover, budgeting enhances interdepartmental coordination and managerial accountability. The findings confirm that budgeting is not merely an administrative procedure but a strategic instrument that supports the achievement of organizational goals.
Pengaruh Mental Health dan Work Life Balance terhadap Turnover Intention Karyawan Gen Z di Kota Medan Iman Putra Jaya Hulu; Sumarni Kristiani Siregar; Bayu Teta
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.v3i3.3077

Abstract

This study aims to analyze the influence of mental health and work-life balance on turnover intentions of Generation Z employees in Medan City. The method used in this study is quantitative involving 65 respondents as samples. The data were analyzed using multiple linear regression with SPSS version 26. The results of the validity and reliability tests indicate that the research instrument is valid and reliable. The classical assumption test has been met, including normality, multicollinearity, and heteroscedasticity. Regression analysis shows that mental health and work-life balance have a positive and significant influence, both partially and simultaneously, on turnover intentions. The Adjusted R Square value of 0.604 indicates that the two variables can explain 60.4% of the variation in turnover intentions.
Inovasi Produk Akad Rahn dalam Pengembangan Gadai Emas Perbankan Syariah Mahdania Mahdania; Harfiyan Syahputra; Muhammad Ulfa Chairi; Dimaz Alfian Frastianda; Husni kamal
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.v3i3.3079

Abstract

This study aims to examine the innovation of rahn contract products in the development of gold pawn services in Islamic banking in Indonesia. Akad rahn is a sharia-based short-term financing instrument that provides liquidity solutions for the community without involving elements of riba, gharar, and maisir. As the need for fast, secure, and sharia-compliant financial services increases, innovation in rahn products is of strategic urgency. This research uses a qualitative descriptive approach with a literature study of literature, reports of Islamic financial institutions, and related regulations. The results of the study show that rahn product innovation is carried out through three main aspects: (1) the development of the form of contract, such as the combination of rahn with ijarah or mudharabah; (2) the use of digital technologies such as e-KYC and AI to accelerate services; and (3) the expansion of socio-economic benefits, especially for MSMEs. The study also found that the increase in gold prices has also encouraged the increase in the use of gold pawns as an alternative financial solution. Therefore, Islamic banking needs to continue to develop gold pawn services based on rahn contracts to remain competitive, inclusive, and sharia-compliant.