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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 183 Documents
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Analisis Pengelolaan Wakaf Saham di PT. MNC Sekuritas Surabaya Melalui Aplikasi Motion Trade M Syarifudin; Abdur Rohman
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.v3i3.3125

Abstract

Indonesia, as the country with the largest Muslim population, has great potential in developing Islamic philanthropy, particularly through the stock waqf instrument. Stock waqf allows sharia stocks to be managed to generate dividends or capital gains, which are then distributed to social programs. This study aims to analyze the effectiveness of digital stock waqf management through MotionTrade by PT MNC Sekuritas, as well as to identify the challenges and opportunities in its implementation. The research method used is qualitative, with a field approach for data collection using semi-structured interviews, non-participant observation, and documentation at PT MNC Sekuritas Surabaya and waqf institutions such as BWI and RZI. The research results show that through the MotionTrade application, donation management is carried out based on the POAC principles (Planning, Organizing, Actuating, Controlling) in accordance with sharia, with transparency and professionalism through the philanthropic features of MotionTrade. Collaboration with trusted nazhir institutions such as BWI, RZI, and BAZNAS ensures that the donations are properly targeted, covering assistance for Gaza, orphans, healthcare services, qurban (animal sacrifice), and scholarships. However, there are still challenges such as digital literacy, resource management, and continuously evolving regulations. With proper management and cross-institutional support, stock waqf and digital philanthropic donations through MotionTrade have the potential to become strategic instruments for improving the welfare of the Muslim community in Indonesia.
Inovasi Badan Usaha Milik Desa (BUMDes) Teluk Bakau Kabupaten Bintan dalam Meningkatkan Ekonomi Masyarakat Desa Tahun 2023 Nabilla Amalia; Afrizal Afrizal; Rizky Octa Putri Charin
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.v3i3.3187

Abstract

Pada masa kepengurusan sebelumnya, BUMDes Teluk Bakau belum berjalan secara maksimal, sehingga belum dapat memberikan sumbangan terhadap PADes. Oleh karena itu, penelitian ini bertujuan untuk mengkaji bentuk inovasi yang diterapkan oleh BUMDes Teluk Bakau dalam upaya meningkatkan perekonomian masyarakat desa pada tahun 2023. Penelitian ini mengacu pada teori inovasi yang dikemukakan oleh Geoff Mulgan dan David Albury (2003), serta menggunakan menggunakan pendekatan deskriptif kualitatif. Informan penelitian ini mencakup unsur Pemerintah Desa, Direktur BUMDes “Bina Sejahtera”, BPD, Tokoh Masyarakat, serta pihak ketiga (kemitraan) yang diperlukan untuk mendapatkan informasi terkait BUMDes dalam meningkatkan ekonomi masyarakat desa. Hasil penelitian ini menunjukkan bahwa (1) Inovasi produk, yang dijalankan oleh BUMDes berhasil menciptakan dan mengembangkan produk baru yang memanfaatkan potensi lokal, menciptakan peluang kerja dan membantu meningkatkan pendapatan masyarakat desa. (2) Inovasi proses, Pemerintah Desa memberikan dukungan berupa pelatihan kepada pengurus BUMDes untuk memperkuat kemampuan dalam mengelola unit usaha, menerapkan surat perjanjian yang sebelumnya tidak ada. (3) Inovasi metode pelayanan, pada inovasi ini BUMDes hanya melakukan optimalisasi terkait komunikasi antara BUMDes dengan masyarakat. (4) Inovasi strategi kebijakan, sejauh ini BUMDes tidak ada inovasi baru terkait strategi kebijakan, hanya menekankan keterbukaan dan keterlibatan masyarakat melalui pelaksanaan rapat monitorng dan evaluasi setiap tiga bulan sekali, pendekatan ini berperan penting dalam membangun kepercayaan masyarakat. (5) Inovasi sistem, BUMDes mampu membangun kemitraan dengan berbagai pihak eksternal. Inovasi ini merupakan inovasi baru. Kemitraan ini mencerminkan kapasitas BUMDes dalam memperluas jaringan kerja, meningkatkan pendapatan unit usaha, serta membuka peluang ekonomi terhadap kesejahteraan masyarakat.
Analisis Efektivitas Insentif Ekonomi terhadap Upaya Pelestarian SDA dan Mitigasi Kerusakan Lingkungan Satria Lam Syafi’i Simamora; Imsar Imsar
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.v3i3.3230

Abstract

This study uses the library research qualitative method to examine the effectiveness of economic incentives in encouraging the conservation of natural resources (SDA) as well as mitigating environmental damage in a sustainable manner. The background of this study is driven by the increasing environmental degradation due to uncontrolled exploitation of natural resources, which is often oriented towards short-term profits without regard for ecological sustainability and community welfare. In this context, economic incentives are seen as a strategic policy instrument that is able to influence the behavior of business actors and society towards a more environmentally friendly and socially responsible activity pattern. Various forms of economic incentives were discussed including green subsidies, environmental taxes, payment for environmental services (PES) schemes, and ecolabel certification. These instruments are considered to be able to internalize the external costs of environmental damage into economic calculations, thereby providing pressure and motivation for business actors to implement more sustainable and innovative practices. Based on a review of academic literature, scientific journals, as well as national and international policies, it was found that the implementation of economic incentives has proven to be effective in increasing environmental awareness and encouraging green innovation significantly. However, the effectiveness of its implementation is highly dependent on the quality of policy governance, the level of transparency, regulatory clarity, and the active involvement of local communities. Without adequate oversight, incentives have the potential to be abused or not achieve their intended goals. Therefore, the design of economic incentive policies must be fair, measurable, and prepared with a participatory approach and based on empirical data. This study concludes that economic incentives not only function as a financial mechanism, but also as an instrument of behavior change, economic culture, and environmental innovation towards sustainability.
Analisis Pengaruh Kualitas Pelayanan terhadap Kepuasan Pelanggan dengan Pendekatan Customer Satisfaction Index (CSI) pada PT Astra International Tbk – TSO Auto2000 Cabang Salemba Melisa Melisa; Purwatiningsih Purwatiningsih
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.v3i4.3299

Abstract

The quality of service towards customer satisfaction in the automotive industry of Toyota car transportation in Indonesia is growing rapidly from year to year, especially in big cities in Indonesia this car is very much needed. The market conditions that are becoming wider and market opportunities are everywhere, this results in increasingly open and tight competition competing to be able to meet the needs and demands required by customers, customer satisfaction is a level where the estimated product performance is in accordance with the buyer's expectations and one of the ways of PT Astra International Tbk - TSO Auto2000 Salemba Branch to maintain the quality of service to customers. Customer Satisfaction Index (CSI) is a method for measuring customer satisfaction based on attributes to be measured such as compliance, responsiveness, assurance, and empathy. The purpose of the study is to improve the performance of service, facilities and customer handling of PT Astra International Tbk - TSO Auto2000 Salemba Branch. The overall level of customer satisfaction is in the good category with a CSI value of around 97%, indicating that customers are satisfied with the services provided by PT Astra International Tbk - TSO Auto2000 Salemba Branch. The factors that most influence customer satisfaction are the quality of staff service, including intimidation and speed of service.
Pengaruh Penguasaan Mata Kuliah Kewirausahaan dan Dukungan Orang Tua Terhadap Minat Berwirausaha Pada Mahasiswa Pendidikan Ekonomi Semester 6 STKIP PGRI Nganjuk Tahun Akademik 2023/2024 Siti Nur Dianasyah
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.v3i3.3424

Abstract

In today's era of increasingly fierce competition and globalization, Learning and fostering interest in entrepreneurship has many benefits for Economics Education students. People parents who support and encourage their children to become entrepreneurs can provide the motivation, guidance and resources needed to start a business. provide the motivation, guidance, and resources needed to start and run a business. and run a business. The purpose of this this study to determine the mastery of entrepreneurship courses and parental support on entrepreneurial Parental Support on Entrepreneurial Interest in Economics Education Students Semester 6 STKIP PGRI. Economics 6th Semester STKIP PGRI Nganjuk Academic Year 2023/2024. Ha3 is accepted, then there is a positive influence and significance between the variables of Mastery of Entrepreneurship Subjects And There is an influence of Mastery of Entrepreneurship Courses (X1) and Parent Support (X2) on Entrepreneurial Interest Entrepreneurship Subject Mastery (X1) and Parental Support (X2) on Entrepreneurial Interest (Y) in semester 6 economic education students of STKIP PGRI. Entrepreneurship Interest (Y) in 6th semester economic education students STKIP PGRI Nganjuk Academic Year 2023/2024.
Evaluasi Kinerja Organisasi Pengelola Zakat Berdasarkan PSAK 409 dan Sistem Pengendalian Internal (Studi Kasus pada BAZNAS Boyolali) Luluk Ayuning Tyas; Sabrina Lailatul Khusna Arel; Rafa Ramadhani; Korniya Rohma Dhonis
Journal of Islamic Economics and Finance Vol. 4 No. 2 (2026): 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.v4i2.3822

Abstract

This study examines the transparency and performance of the zakat management organization (OPZ), its internal control system, oversight mechanisms, and zakat distribution methods at the National Zakat Agency (BAZNAS) in Boyolali Regency. A qualitative method was employed, with data collected through in-depth interviews, observations, and document analysis. Informants included OPZ managers, supervisors, and—the zakat beneficiaries. The study indicates that BAZNAS Boyolali has implemented transparency by preparing financial reports and publicizing its programs. OPZ performance can be considered good, as evidenced by improvements in collecting and distributing zakat funds. Oversight is conducted through internal and external means, such as audits and routine reports, although there is still room for improvement in the effectiveness of oversight. Zakat distribution is carried out in accordance with sharia principles and based on the needs of the mustahik. However, this distribution is not yet fully equitable and sustainable. Therefore, there is a need to improve transparency, strengthen internal controls, improve the oversight system, and innovate in zakat distribution methods to enhance public trust and the effectiveness of zakat management.
Revolusi Industri 4.0 dan Transformasi Rantai Nilai Industri Halal: Sebuah Tinjauan Sistematis terhadap Adopsi Teknologi Digital Aufa Rizka Azzumi; Alvin Noor Sahab Rizal
Journal of Islamic Economics and Finance Vol. 4 No. 2 (2026): 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.v4i2.3823

Abstract

Industri halal kini telah menjadi bagian penting dari ekonomi global, mencakup sektor seperti makanan, kosmetik, farmasi, keuangan syariah, pariwisata, dan logistik. Teknologi Revolusi Industri 4.0, seperti Internet of Things (IoT), Kecerdasan Buatan (AI), Blockchain, dan Big Data Analytics, mulai digunakan untuk meningkatkan efisiensi, transparansi, dan keandalan dalam rantai nilai halal. Namun, masih sedikit penelitian yang benar-benar menggabungkan berbagai teknologi digital ini secara menyeluruh dalam industri halal. Penelitian ini menggunakan metode Systematic Literature Review dengan mengikuti pedoman PRISMA 2020. Sebanyak 202 artikel dari Scopus, Web of Science, dan database ilmiah lainnya dianalisis melalui bibliometrik dan sintesis tematik. Hasilnya, Blockchain, AI, dan IoT adalah tiga teknologi yang paling sering digunakan di industri halal. Ketiganya membantu meningkatkan transparansi, keamanan, dan ketertelusuran produk, sehingga mendukung kebutuhan konsumen, kepatuhan regulasi, serta pengawasan pemerintah. Penerapan teknologi digital di industri halal masih menghadapi tantangan, seperti biaya investasi yang tinggi, kurangnya tenaga kerja ahli di bidang teknologi digital, dan sulitnya integrasi sistem, terutama untuk usaha kecil dan menengah. Sebagai kontribusi teori, penelitian ini menawarkan kerangka TOE-Syariah, yaitu pengembangan dari model Technology-Organization-Environment dengan tambahan dimensi kepatuhan syariah sebagai faktor utama dalam adopsi teknologi. Tinjauan ini juga menemukan beberapa kekurangan dalam penelitian sebelumnya, seperti fokus yang terlalu besar pada sektor pangan, dominasi penelitian di Asia Tenggara, integrasi teknologi digital yang belum optimal, dan kurangnya pembahasan tentang etika Islam serta prinsip desain teknologi dalam industri halal.
Digitalisasi Rantai Pasok Halal: Model Transparansi dan Lacak Balak Produk Herba Lokal Berbasis IoT Heni Pratiwi
Journal of Islamic Economics and Finance Vol. 4 No. 2 (2026): 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.v4i2.3836

Abstract

The halal integrity of local herbal products is determined not only by raw materials but also by the entire upstream-to-downstream supply chain process. Risks of cross-contamination and a lack of information transparency often hinder the maintenance of sustained halal assurance. This study aims to design an Internet of Things (IoT)-based halal supply chain digitalization model to enhance transparency and traceability within Indonesia's local herbal industry. The research employs a qualitative-systems engineering approach through a case study of the local herbal product supply chain. The results demonstrate that integrating IoT sensors (such as temperature, humidity, and GPS location sensors) with a centralized data platform enables real-time monitoring of storage and shipping conditions. The model successfully maps Halal Critical Control Points and provides data visibility for producers, regulators, and consumers. The study's implications serve to strengthen the national halal supply chain ecosystem and provide a digital framework for herbal MSMEs to meet sustainable halal certification standards.
Kemunduran Pemikiran Ekonomi Islam pada Era Kolonialisme Ahmad Faiz Rantisi; Imsar Imsar
Journal of Islamic Economics and Finance Vol. 3 No. 4 (2025): 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.v3i4.3348

Abstract

This study focuses on the decline of Islamic economic thought during the colonial era, spanning from the sixteenth to the early twentieth century. Islamic economic thought, which had previously flourished through the works of classical scholars such as Abu Yusuf, Al-Mawardi, and Ibn Khaldun, experienced a long period of stagnation. Western colonialism not only conquered strategic territories of the Muslim world but also undermined the intellectual foundations and economic institutions that had been established for centuries. The capitalist system introduced by the colonizers replaced the Islamic economic framework, including the role of zakat, the bait al-mal, hisbah, and Sharia-based markets. As a result, scholars increasingly focused on ritual aspects of worship, while socio-economic thought was marginalized. Using a literature review method, this study analyzes the underlying factors of the decline, its impact on Muslim societies, and its implications for the delayed resurgence of Islamic economics in the modern era. The findings reveal that colonialism had a long-term impact in the form of disrupted intellectual traditions and the marginalization of Muslim economies, although the revival of Islamic economic thought became more evident in the twentieth century. Furthermore, the study highlights the significance of understanding this historical decline for the current development of Islamic economics, as it provides valuable lessons for strengthening intellectual independence, revitalizing Islamic socio-economic institutions, and ensuring that contemporary Islamic economic thought remains dynamic, innovative, and responsive to global challenges.
Analisis Strategi Rebranding UMKM Kripik Usus Tiga Bersaudara di Desa Sidowungu Kecamatan Menganti Kabupaten Gresik Toifur Ahmad Balya; Firmanda Nur Hijriansyah
Journal of Islamic Economics and Finance Vol. 3 No. 4 (2025): 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.v3i4.3352

Abstract

This research stems from the challenges faced by MSMEs amid increasingly intense business competition, particularly regarding the limited understanding of business owners about the true meaning of rebranding. Most still perceive rebranding merely as a logo change, whereas in essence it involves market repositioning, renaming, redesign, and relaunching, all of which significantly influence competitiveness and business sustainability. The purpose of this study is to examine the rebranding strategy implemented by the MSME Kripik Usus Tiga Bersaudara in Sidowungu Village, Menganti District, Gresik Regency, with a focus on the owner’s understanding, the challenges and opportunities encountered, the strategies applied, and consumer perceptions of the new identity. This research employs a descriptive qualitative approach through observation, in-depth interviews, and documentation, while data analysis follows the interactive model of Miles and Huberman, including data reduction, display, and conclusion drawing. The findings reveal that rebranding was carried out by changing the business name from “Adiman” to “Tiga Bersaudara,” updating the logo and packaging, as well as utilizing WhatsApp as the main promotional channel, accompanied by increased turnover as recorded in financial documentation. These steps have succeeded in improving brand image, expanding market reach, and strengthening customer loyalty. The main challenge lies in maintaining the trust of existing customers so they can accept the new identity without doubting product quality. In conclusion, rebranding has proven to be an effective strategy to enhance the competitiveness of MSMEs when carried out comprehensively, consistently, and supported by good communication with consumers. This research is expected to serve as a reference for other MSMEs seeking to strengthen their brand identity and broaden their market reach.

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