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Rifaatul Indana
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UIN Sunan Kalijaga Yogyakarta Jalan Laksda Adisucipto Yogyakarta
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INDONESIA
Journal of Islamic Economic Scholar
Published by Universitas Islam Negeri Sunan Kalijaga Yogyakarta
ISSN : -     EISSN : 27162044     DOI : https://doi.org/10.14421/jies
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
JIES: Journal of Islamic Economic Scholar JIES is journal of student collage scientific papers, using electronic media as a place for publication research results from students college. This journal publish twice per year (Juny and December). JIES is a scientific journal that accepts publication papers of both literary and field results, which are included in the scope of Islamic Economics studies. Focus on the study is Islamic Economics, Business, Banking and Management.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 71 Documents
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Determinants of Halal Cosmetics Purchase Intention in Gen-Z: An Empirical Study in Java Island Muhammad Iqbal Mahdi; Ali Azhar, Jeihan; Imam Basri, Anindita
Journal of Islamic Economic Scholar Vol. 6 No. 1 (2025)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2025.6.1.12-28

Abstract

This study aims to analyze the influence of halal marketing, halal labeling, knowledge, brand image, and product quality on the interest in buying halal cosmetics in the Zilenial generation.The method used in this study is a quantitative survey approach through a questionnaire with a sample of 211 Gen-Z respondents who were selected by purposive sampling based on birth criteria between 1997-2012, domiciled on the island of Java and had bought halal cosmetic products. Data analysis was carried out using Structural Equation Modeling (SEM) technique. This study shows that halal marketing, halal labeling, halal knowledge, brand image, and product quality have a significant influence on buying interest. The implications of this research can be used by halal cosmetics industry players as a basis for formulating marketing strategies that are more effective and in accordance with the characteristics of Gen Z. By utilizing the right strategy, companies can help the country's economic growth.
Fiqih Zakat Profesi Study Ijtihad Yusuf Al-Qaradawi dan Wahbah Az Zuhayli Agus Faisal; Ahmad Rofiq
Journal of Islamic Economic Scholar Vol. 7 No. 1 (2026)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2026.7.1.13-26

Abstract

Zakat has become a controversial topic of study that is experiencing new ijtihad in the modern era today. Contemporary scholars Yusuf Al-Qaradawi and Wahbah Al-Zuhayli consider professional zakat to be obligatory. However, in terms of how and what is determined, the rulings of the two figures have similarities and differences. This paper uses a library research approach, with content analysis techniques. This method is used to analyze the thoughts of Yusuf Al-Qaradawi and Wahbah Al-Zuhayli related to the law of professional zakat. According to the analysis, the similarity in the thought of professional zakat between Yusuf Al-Qaradawi and Wahbah Al-Zuhayli lies in the permissibility of giving professional zakat; both figures allow the giving of professional zakat although there are certain exceptions. The method of istinbath for professional zakat in Al-Qaradawi's perspective uses qiyas. The use of qiyas in determining professional zakat is analogized with the zakat of gold and silver. Whereas the istinbath method according to Wahbah al-Zuhayli is that professional zakat is not obligatory for every Muslim, because, according to him, there is no strong basis for the existence of professional zakat. However, he provides leniency for those who make professional zakat obligatory.
Pengaruh Fitur, Kemudahaan Penggunaan dan Customer Perceived Value terhadap Loyalitas Nasabah Pengguna BSI Mobile Monika, Oni; Rifaatul Indana
Journal of Islamic Economic Scholar Vol. 6 No. 2 (2025)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2025.6.2.86-101

Abstract

Mobile banking has become one of the most popular banking services in Indonesia, offering convenience and flexibility in conducting financial transactions. However, with the increasing number of mobile banking services, customer loyalty has become a key factor in retaining customers. This study aims to determine the effect of features, ease of use, and customer perceived value on customer loyalty of BSI Mobile users in the Special Region of Yogyakarta with a sample size of 100 respondents. The method used is a quantitative approach with purposive sampling method. The analytical tool used is IBM SPSS Statistics 30 software. The results of this study show that the variables of ease of use and customer perceived value have a significant effect on customer loyalty. While the feature variable does not have a significant effect on customer loyalty of BSI Mobile users in the Special Region of Yogyakarta.
Analysis Of Halal Destination Attributes And Service Quality On Muslim Tourism Interest In Bogor Regency Roisiyatin, Roisiyatin; Anida Lutfiyah
Journal of Islamic Economic Scholar Vol. 6 No. 2 (2025)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2025.6.2.71-85

Abstract

Bogor Regency with a Muslim population of approximately 87% of 5.6 million people, has potential for halal tourism development. This research aims to analyze the impact of halal destination attributes and service quality on Muslim tourist interest in Bogor Regency. This study uses a quantitative approach to the population of Bogor Regency residents, with a sample of 100 tourists. Data were collected through questionnaires with a Likert scale and analyzed using SPSS, tested for validity and reliability, classical assumption tests, multiple linear regression analysis, hypothesis testing, and R² determination test to measure the relationship between halal destination attributes and service quality Muslim tourist interest. The results showed that halal destination attributes (X1) were proven to have a partial effect on Muslim tourist interest with t-count 3.955 > t-table 1.984. Similarly, service quality (X2) partially affects Muslim tourist interest with t-count 3.435 > t-table 1.984. Simultaneous testing confirms that both independent variables together have a significant effect on Muslim tourist interest, with a coefficient of determination (R²) of 77.7%, while the remaining 22.3% is influenced by factors outside the research.
Kontribusi Bank Syariah dalam Pemberdayaan Ekonomi Berbasis Zakat, Infak, dan Sedekah (ZIS). Ulpariyeh; Toyiburahman; Maryani
Journal of Islamic Economic Scholar Vol. 6 No. 2 (2025)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2025.6.2.102-112

Abstract

This study aims to analyze the contribution of Islamic banks in empowering the economy based on zakat, infaq, and sadaqah (ZIS) through the collection, management, and productive use of funds. The method used is descriptive qualitative with a literature study approach, covering scientific journals, BAZNAS reports, and the Annual Report of Bank Syariah Indonesia (BSI). The results show that Islamic banks made a significant contribution by increasing ZIS fund collection in 2024, distributing Rp 286.62 million in productive zakat, and implementing empowerment programs such as providing micro-business capital, business assistance, and capacity building training involving BAZNAS, BCA Syariah, and micropreneur mustahik. These programs have an impact on improving the competence, income, and economic independence of mustahik. This study concludes that the contribution of Islamic banks is not only financial but also transformative through capacity building and business sustainability, thereby improving the economic welfare of the community in a sustainable manner.
Trust Memediasi Service Quality dan Financial Literacy terhadap Customer Loyality (Studi Kasus pada Nasabah Bank Syariah Indonesia di Kabupaten Kudus) Afiq Faliqun Nawa; Muhammad Afiq Izzan Syafani; Indah Dewi Maharany
Journal of Islamic Economic Scholar Vol. 7 No. 1 (2026)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2026.7.1.1-12

Abstract

This study aims to examine the effect of service quality and Islamic financial literacy on customer loyalty with trust as a mediating variable in Bank Syariah Indonesia digital banking services in Kudus Regency. The research employs a quantitative causal-associative approach using primary data collected through an online questionnaire from 115 BSI Mobile users selected by purposive sampling. The data were analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM) using SmartPLS 4. The measurement model evaluation shows that most indicators meet the validity and reliability criteria, although Islamic financial literacy has a marginal AVE value and several discriminant validity values require attention. The structural model indicates that service quality has a positive and significant effect on customer loyalty and trust. Trust also has a positive and significant effect on customer loyalty. However, Islamic financial literacy does not have a significant direct effect on customer loyalty or trust. Trust significantly mediates the relationship between service quality and customer loyalty, but it does not mediate the relationship between Islamic financial literacy and customer loyalty. The findings highlight the importance of improving digital service quality and strengthening customer trust to enhance loyalty in Islamic banking.  
Analisis Stabilitas Nilai Tukar Rupiah dalam Perspektif Ekonomi Syariah Vina Septianingrum; Imahda Khoiri Furqon
Journal of Islamic Economic Scholar Vol. 6 No. 1 (2025)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2025.6.1.29-41

Abstract

This study examines the factors affecting the stability of the Indonesian rupiah exchange rate and analyzes it from an Islamic economics perspective. In addition, the study discusses the concept of sharf (currency exchange) in Islam and explores the role of Islamic economic principles in supporting exchange rate stability. A qualitative approach with a library research method was employed. The study relies on secondary data collected from academic journals, books, official reports, and other relevant literature related to exchange rates and Islamic economics. The data were analyzed descriptively to identify the relationship between macroeconomic factors and the stability of the rupiah. The findings show that the stability of the rupiah is influenced by several key factors, including inflation, interest rates, export and import activities, and global geopolitical conditions. High inflation and excessive dependence on imports tend to weaken the rupiah, while stronger export performance contributes to exchange rate stability. From an Islamic economics perspective, exchange rate stability can be promoted through the prohibition of riba, gharar, and maysir, as well as through strengthening the real sector and implementing sharf transactions in accordance with Islamic principles. Therefore, Islamic economics offers a potential framework for supporting sustainable monetary stability and strengthening Indonesia’s economic resilience.  
Konsep Falah dalam Pembangunan Ekonomi Makro Modern Athiul Aulia; Imahda Khoiri Furqon; Shulhah Nurullaily
Journal of Islamic Economic Scholar Vol. 6 No. 2 (2025)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2025.6.2.124-133

Abstract

This study examines the concept of falah in modern economic development and argues that it offers a comprehensive framework for evaluating economic progress beyond mere material growth. The purpose of this study is to explain how falah integrates spiritual, moral, social, and economic dimensions into an integrated development perspective. This study uses a literature review method by analyzing relevant Islamic texts, scientific artifacts, and economic development. The findings show that falah redefines development success as the achievement of balanced prosperity in this world and the hereafter, not just an increase in income or output. Emphasizing justice, fair distribution, social responsibility, human development, and environmental sustainability as important indicators of a successful economy, the study also found that Islamic economic instruments such as zakat, waqf, alms, and ethical policy design can operationalize falah into development to encourage inclusive economic growth. Humane, and sustainable. This framework is particularly relevant in addressing inequalities, poverty, and ecological degradation in the modern economy. The originality of this study lies in its focused synthesis of falah as a normative and practical paradigm for modern economic development, which offers an alternative to conventional growth-centric models. 
Transformasi UMKM Digital dalam Mengurangi Pengangguran di Indonesia Aulia Azzahra; Imahda Khoiri Furqon; Agus Faisal
Journal of Islamic Economic Scholar Vol. 6 No. 2 (2025)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2025.6.2.113-123

Abstract

Unemployment remains one of the major economic challenges in Indonesia. The increasing number of job seekers is not always balanced by the availability of employment opportunities, resulting in a relatively high unemployment rate. At the same time, rapid technological development has encouraged Micro, Small, and Medium Enterprises (MSMEs) to adopt digital transformation as a strategy to improve business performance and competitiveness. This study aims to examine the role of digital MSME transformation in reducing unemployment in Indonesia. The research employs a descriptive qualitative approach using a literature review method by analyzing relevant books, journals, and government publications. The findings indicate that digital transformation enables MSMEs to expand market reach, improve operational efficiency, and increase business revenue through the use of marketplaces, social media, digital payment systems, and other technological platforms. Furthermore, digitalization creates new employment opportunities in fields such as digital marketing, social media management, online customer service, content creation, and e-commerce administration. The growth of digital MSMEs also promotes entrepreneurship, allowing more individuals to establish businesses and generate employment opportunities. Therefore, digital MSME transformation can serve as an effective solution to reduce unemployment while supporting economic growth and improving community welfare in Indonesia.
Eksplorasi Minat Masyarakat dalam Menggunakan Electronic Money Card Melalui Pendekatan TAM-TPB Defi Insani Saibil; Novita Dwi Rachmawati
Journal of Islamic Economic Scholar Vol. 7 No. 1 (2026)
Publisher : FEBI UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jies.2026.7.1.27-36

Abstract

This study aims to examine the factors influencing consumers’ intention to use Electronic Money Cards in the Greater Jakarta area (Jabodetabek) by integrating the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB). A quantitative research approach was employed using an online survey of 257 Electronic Money Card users, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0. The findings indicate that perceived usefulness and perceived ease of use have positive and significant effects on attitude toward using, while perceived ease of use also positively influences perceived usefulness. Furthermore, attitude toward using, subjective norm, and perceived behavioral control significantly affect intention to use, whereas perceived usefulness does not have a significant direct effect on intention to use. These findings suggest that improving the ease of use of Electronic Money Cards, fostering positive user attitudes, strengthening social influence, and enhancing users’ perceived behavioral control are essential strategies for increasing consumers’ intention to use this payment instrument. This study contributes to the digital payment literature by integrating TAM and TPB to explain consumers’ intention to use Electronic Money Cards, a payment technology that has received relatively limited scholarly attention compared with e-wallets, QR-based payments, and mobile banking, thereby extending the application of technology adoption theories in the Indonesian digital payment context. Keywords : Electronic Money Card, Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB)

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