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Journal of Economics and Business
Published by CV. Doki Course and Training
ISSN : 29883156     EISSN : 29884411     DOI : https://doi.org/10.61994/econis
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Economics and Business is a scientific journal published by CV. Doki Course and Training. The papers to be published in ECONIS are research articles (quantitative or qualitative research approaches), literature studies or original ideas that are considered to contribute to scientific studies of Economics, Finance and Business. It covers problems in Economics and Business studies such as theoretical and applied research with an emphasis on topics in Economics, corporate finance, financial markets and institutions, Economic Syariah and investments. Research in real estate, insurance, and consumer finance is also welcome. It is published two times a year, in Juny and December.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 59 Documents
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Analisis Pola Konsumsi Masyarakat Muslim Urban Berdasarkan Prinsip Ekonomi Islam Rahmadatul Lia Nisa; Annisa Anggraini; Safa Parasastia; Latifah Nurhasanah; Linda Rahma Yanti
Journal of Economics and Business Vol. 3 No. 1 (2025): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v3i1.546

Abstract

This study aims to analyze the consumption patterns of urban Muslim communities based on the principles of Islamic economics. In Islam, consumption is not merely about fulfilling material needs but must also comply with Sharia values emphasizing halal (permissible), moderation, justice, and social responsibility. The research employs a qualitative descriptive approach, collecting data through literature review and in-depth interviews with urban Muslim respondents. The analysis reveals that consumption patterns among urban Muslims are influenced by levels of religiosity, awareness of halal and thayyib (wholesome) principles, as well as the impact of urban lifestyle and digitalization. Although awareness of Islamic consumption principles is increasing, challenges such as excessive consumption and consumerism persist. Therefore, education and reinforcement of Islamic economic values are essential to foster moderate, equitable, and sustainable consumption patterns. This study contributes to a better understanding of the dynamics of Muslim urban consumption and the development of Sharia-based economics in the modern era. ABSTRAK   Penelitian ini bertujuan untuk menganalisis pola konsumsi masyarakat Muslim urban dengan mengacu pada prinsip-prinsip ekonomi Islam. Dalam Islam, konsumsi tidak hanya sekadar memenuhi kebutuhan materi, tetapi juga harus sesuai dengan nilai-nilai syariah yang menekankan kehalalan, kesederhanaan, keadilan, dan tanggung jawab sosial. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan pengumpulan data melalui studi literatur dan wawancara mendalam terhadap masyarakat Muslim urban. Hasil analisis menunjukkan bahwa pola konsumsi masyarakat Muslim urban dipengaruhi oleh tingkat religiusitas, kesadaran akan prinsip halal dan thayyib, serta pengaruh gaya hidup perkotaan dan digitalisasi. Meskipun kesadaran terhadap konsumsi Islami meningkat, tantangan seperti konsumsi berlebihan dan gaya hidup konsumtif masih muncul. Oleh karena itu, edukasi dan penguatan nilai-nilai ekonomi Islam sangat diperlukan untuk membentuk pola konsumsi yang moderat, berkeadilan, dan berkelanjutan. Penelitian ini memberikan kontribusi penting dalam memahami dinamika konsumsi Muslim urban dan pengembangan ekonomi syariah di era modern.
Analisis Keefektifan Sistem Keamanan dalam Transaksi Online Perbankan Syariah Nurhania, Nurhania; Reza Aulia Putri; Indah Purnamasari; Fehlirrah Bunga Apriana; Alfino Gibran Elfathar; M. Ilham Marli
Journal of Economics and Business Vol. 3 No. 1 (2025): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v3i1.548

Abstract

  In the past, the use of the bank itself was still in the form of a place to store money or valuable assets and a lending institution. Meanwhile, in conducting a transaction activity, it still has to be an offline transaction, where the buyer and seller must meet at one point. But now, people have been facilitated by technology such as mobile banking, ATMs and digital wallets. Which makes people able to make various transactions online. But in addition to the convenience obtained, there is also a dark side where people are vulnerable to cyber crime in their use. Therefore, from this research, it is studied how safe online transactions are today, so that people can feel comfortable and safe in carrying out online   Pada zaman dahulu, penggunaan dari bank sendiri masih berupa tempat menyimpan uang atau harta benda berharga serta instansi peminjaman dana. Sementara dalam mengadakan sebuah kegiatan transaksi masih harus berbentuk transaksi luring, antara pembeli dan penjual harus bertemu di satu titik tempat. Namun sekarang, masyarakat telah dimudahkan dengan adanya teknologi seperti mobile banking, ATM dan dompet digital. Yang mana membuat masyarakat dapat melakukan berbagai transaksi secara online. Namun selain kemudahan yang didapat, ada juga sisi gelap dimana masyarakat rentan terkena kejahatan siber dalam penggunaannya. Oleh itu, dari penelitian ini, dikajilah seberapa aman transkasi online sekarang ini, agar masyarakat bisa merasa nyaman dan aman dalam melakukan kegiatan bertransaksi secara daring.
Strategi Pemasaran Produk Perbankan Syariah Dalam Menghadapi Persaingan Industri Keuangan Konvensional Wanda Elvandara; Meisya Sabila Utami; Laras Asfi Ramdani; Salsabila; Visye Antasya; Siti Allysa Maharani
Journal of Economics and Business Vol. 3 No. 1 (2025): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v3i1.552

Abstract

Islamic banks are financial institutions that adhere to Islamic law or sharia principles and function as mediators in the financial system. Although the growth rate in Indonesia is good, the market is still not stable. To overcome this, there are several strategies that can be used, the most important of which is to increase market share by attracting more new customers gradually. One strategy that can be used is to present products that are easier for the general public to understand and work with conventional banks to provide banking services in KLS or expand banking services through mobile platforms.   ABSTRAK   Bank syariah adalah lembaga keuangan yang menganut hukum Islam atau prinsip syariah dan berfungsi sebagai mediator dalam sistem keuangan. Meskipun tingkat pertumbuhan di Indonesia bagus, pasarnya masih belum stabil. Untuk mengatasi hal tersebut, ada beberapa strategi yang dapat digunakan, yang terpenting adalah meningkatkan pangsa pasar dengan menarik lebih banyak pelanggan baru secara bertahap. Salah satu strategi yang dapat digunakan adalah dengan menghadirkan produk-produk yang lebih mudah dipahami masyarakat umum dan bekerja sama dengan bank konvensional untuk memberikan layanan perbankan di KLS atau memperluas layanan perbankan melalui platform mobile.
Studi Tentang Faktor-Faktor Yang Mempengaruhi Tingkat Pengangguran Pemuda Di Negara-Negara Maju Muhammad Ilham Saputra; Muhammad Rafi; Rayyan Mufahrhan Harahap; M Galih Putra Jaya; Noufal fareza; M Djadid Ramadhan; M diko pratama; Reihan Fakhri Ramadhan
Journal of Economics and Business Vol. 3 No. 1 (2025): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v3i1.553

Abstract

This journal discusses the factors that affect the unemployment rate in developed countries. The purpose of this research is to find out the factors that cause and impact unemployment in several developed countries. This method uses a qualitative method with the search for relevant information sources of previous and relevant information sources. The result of this research is to know the impact caused by unemployment and the factors that cause unemployment to emerge in developed countries, The emergence of unemployment is caused by limited information that is not available, the time needed is not relevant to the skills and expertise is too long and the economic structure of the country is always changing which makes it difficult for residents to find work, Then with technological advances that make humans often replaced by robots/machines then demands/age limits that do not match their skills and abilities, then the gender of the population which sometimes sometimes becomes an obstacle for them to adjust their skills and abilities, then migration is also an obstacle because residents from other regions to a developed country and finally many residents cannot get training in accordance with their skills and abilities. Jurnal ini membahas tentang faktor faktor yang mempengaruhi tingkat pengangguran di negara maju. Tujuan penelitian ini untuk mengetahui faktor penyebab dan dampak pengangguran di beberapa negara maju. Metode ini menggunakan metode kualitatif dengan pencarian sumber information information relevan sumber sumber information terdahulu dan relevan.Hasil dari penelitian ini adalah mengetahui dampak yang disebabkan oleh pengangguran serta faktor yang menyebabkan pengangguran muncul di negara maju, Munculnya pengangguran diakibatkan oleh keterbatasan informasi yang tidak tersedia, waktu yang di butuhkan yang kurang relevan dengan kampaian dan keahlian terlalu panjang dan struktur perekonomian negara yang selalu berubah ubah yang membuat penduduk sulit mencari pekerjaan, lalu dengan kemajuan teknologi yang membuat manusia sering di gantikan oleh robot/mesin lalu tuntutan/batas usia yang tidak sesuai dengan keahlian dan kemampuan mereka, lalu jenis kelamin penduduk yang kadang kadang menjadi penghambat untuk mereka menyelesuaikan Keahlian dan kemampuan mereka,lalu migrasi juga menjadi penghambat dikarenakan penduduk dari wilayah lain ke suatu negara maju dan yang terakhir banyak penduduk tidak dapat mendapatkan pelatihan yang sesuai dengan keahlian dan kemampuan mereka.
Penerapan Prinsip Khalalan Toyyibah Dalam Mengonsumsi Prodak wardani, Anggun kusuma; Yellse; Auliya, Septi; Yuristianti, Fitry Indah; Syafitri, Ghefira Zakia
Journal of Economics and Business Vol. 3 No. 1 (2025): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v3i1.577

Abstract

This research aims to explore the Khalalan Toyyibah principles in the context of product consumption using a qualitative approach, through in-depth analysis of related literature. The research method used is library research with analysis of secondary data from various sources such as books, journals and related publications. The results show that the application of the Khalalan Toyyibah principle provides broad benefits and has a significant positive impact, including ensuring the consumption of food that is halal, healthy and beneficial for the body according to religious teachings, improving individual and collective health, as well as ensuring cleanliness, justice and continuity of the production chain. and distributing food. However, there are challenges in its implementation, such as higher production costs, time constraints, and minimal socialization and community participation in maintaining the sustainability of local halal food. In conclusion, joint efforts from various parties are needed to overcome these challenges and strengthen the implementation of the Khalalan Toyyibah principles for holistic, spiritual and social welfare in Muslim society. Penelitian ini bertujuan untuk mendalami penerapan prinsip Khalalan Toyyibah dalam konteks konsumsi produk dengan pendekatan kualitatif, melalui analisis mendalam terhadap literatur terkait. Metode penelitian yang digunakan adalah library research dengan analisis data sekunder dari berbagai sumber seperti buku, jurnal, dan publikasi terkait. Hasilnya menunjukkan bahwa penerapan prinsip Khalalan Toyyibah memberikan manfaat yang luas dan dampak positif signifikan, termasuk memastikan konsumsi makanan yang halal, sehat, dan bermanfaat bagi tubuh sesuai ajaran agama, meningkatkan kesehatan individu dan kolektif, serta mempromosikan kebersihan, keadilan, dan keberlanjutan dalam rantai produksi dan distribusi makanan. Namun, terdapat tantangan dalam implementasi, seperti biaya produksi yang lebih tinggi, keterbatasan waktu, dan minimnya sosialisasi dan partisipasi masyarakat dalam menjaga keberlangsungan pangan halal lokal. Kesimpulannya, diperlukan upaya bersama dari berbagai pihak untuk mengatasi tantangan tersebut dan memperkuat penerapan prinsip Khalalan Toyyibah demi kesejahteraan holistik, spiritual, dan sosial dalam masyarakat Muslim.   
Dampak Zakat dan Wakaf Terhadap Pembangunan Sosial Ekonomi : Bukti Dari Negara Karmilah; Fazli; Rudi Setiawan; I Putu Anjas Jaya Kusuma; Fauzan Redondo Eko
Journal of Economics and Business Vol. 3 No. 1 (2025): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v3i1.584

Abstract

ABSTRACT   Economic development is something that is expected to be sustainable because development expects a better goal, for that in starting development from a physical and non-physical perspective requires one of them funding for its smooth running. While the existence of funding instruments is currently widespread or not only conventionally but there are sharia concepts including zakat, waqf and sukuk which have led to many developments. This research aims to discuss how zakat, waqf and sukuk as sharia concept funding and their optimization as funding in economic development. With a qualitative method of literature study, it is found that zakat, waqf and sukuk are considered as sharia funding with the concept of contracts and operations managed by related institutions in accordance with sharia and have been applied from the reign of the Islamic Caliphate. The optimization of the three instruments starts from the expertise of zakat management institutions in spreading understanding of the three instruments and establishing regulations that make it easier for people to submit zakat, waqf and invest in sukuk, as well as developing new types or processes in zakat waqf and sukuk such as zakat as a source of investment, cash waqf, green sukuk and blue sukuk for economic growth.   Abstrak   Pembangunan ekonomi merupakan sesuatu yang diharapkan keberlanjutannya karena pembangunan itu mengharapkan tujuan kearah yang lebih baik, untuk itu dalam memulai pembangunan dari segi fisik dan non fisik membutuhkan salah satunya pendanaan untuk kelancarannya. Sementara keberadaan instrument pendanaan saat ini sudah meluas atau tidak secara konvensional saja melainkan ada konsep syariah diantaranya zakat, wakaf dan sukuk yang memunculkan banyak perkembangan. Penelitian ini bertujuan membahas tentang bagaimana zakat, wakaf dan sukuk sebagai pendanaan berkonsep syariah dan optimalisasinya sebagai pendanaan dalam pembangunan ekonomi. Dengan metode kualitatif studi Pustaka didapat bahwa zakat, wakaf dan sukuk dinilai sebagai pendanaan syariah dengan konsep akad dan operasionalnya yang dikelola oleh lembaga terkait sesuai syariah dan sudah diterapkan dari masa pemerintahan kekhalifahan Islam. Optimalisasi ketiga instrument tersebut dimulai dari kepiawaian lembaga pengelola zakat dalam menyebarkan pemahaman tentang ketiga instrument tersebut serta menetapkan regulasi yang mempermudah masyarakat dalam menyerahkan zakat, berwakaf dan berinvestasi sukuk, serta mengembangkan jenis atau proses baru dalam zakat wakaf.
Kasus Hukum Dalam Investasi Dan Pasar Modal Syariah: Analisis Pelanggaran, Regulasi, Dan Efektivitas Pengawasan OJK Apriyanti, Afia; Zulfikar Hafidz, Jefik; Widiya Fradinda , Eka; Zalafy, M. Faqihuddin
Journal of Economics and Business Vol. 3 No. 1 (2025): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v3i1.1031

Abstract

This study aims to examine the definition of sharia investment and sharia capital market, some violations, legal regulations, and the effectiveness of the Financial Services Authority (OJK) against violations in sharia capital market investment. The method used in this research is library research. The results of this study are first, sharia investment is an investment made based on the principles of Islamic law (sharia), which regulates economic activities and financial transactions and the sharia capital market is the Islamic Capital Market is an activity related to the public offering and trading of securities, public companies related to the issuance of securities, and institutions and professions related to securities carried out based on sharia principles. Second, there are several types of violations, one of which is fraud, market manipulation, and insider trading. Third, legal regulations governing Islamic capital market investments are found in the DSN-MUI fatwa, OJK, and are regulated and supervised by the capital market supervisory agency (BAPEPAM). Fourth, OJK has an important role in providing legal protection for investors, but is still faced with several challenges, such as a lack of human resources and a legal culture that is not yet supportive   ABSTRAK Penelitian ini bertujuan untuk mengetahui pengertian investasi syariah dan pasar modal syariah, bentuk-bentuk pelanggaran, peraturan hukum, dan efektivitas Otoritas Jasa Keuangan (OJK) terhadap pelanggaran di bidang investasi pasar modal syariah. Metode yang digunakan dalam penelitian ini adalah penelitian kepustakaan. Hasil dari penelitian ini adalah pertama, investasi syariah adalah investasi yang dilakukan berdasarkan prinsip-prinsip hukum Islam (syariah), yang mengatur kegiatan perekonomian dan transaksi keuangan dan pasar modal syariah adalah Pasar Modal Syariah adalah kegiatan yang bersangkutan dengan penawaran umum dan perdagangan efek, perusahaan publik yang berkaitan dengan efek yang diterbitkannya, serta lembaga dan profesi yang berkaitan dengan efek yang dijalankan berdasarkan prinsip-prinsip syariah. Kedua, terdapat beberapa jenis pelanggaran, salah satunya adalah penipuan, manipulasi pasar, dan perdagangan orang dalam. Ketiga, peraturan hukum yang mengatur investasi pasar modal syariah terdapat pada fatwa DSN-MUI, OJK, serta diatur dan diawasi oleh Badan Pengawas Pasar Modal (BAPEPAM). Keempat, OJK memiliki peran penting dalam memberikan perlindungan hukum bagi investor, namun masih dihadapkan pada beberapa tantangan, seperti kurangnya sumber daya manusia dan budaya hukum yang belum mendukung
Tantangan dan Peluang Perkembangan Perbankan Syariah Perspektif Global Putri Fajar Rahayu; Adinda Nur adha; Nabilah Septyani Morlina; Zakia; Rezes Lestari; Victoria Maharani
Journal of Economics and Business Vol. 3 No. 2 (2025): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v3i2.557

Abstract

Penelitian ini mengkaji tantangan dan peluang perkembangan perbankan syariah secara global. Meskipun industri ini tumbuh pesat dan semakin diminati karena nilai etisnya, perbankan syariah masih menghadapi hambatan seperti regulasi yang terfragmentasi, keterbatasan operasional, persaingan dengan bank konvensional, dan rendahnya integrasi keberlanjutan. Namun, peluang besar muncul melalui kemajuan Islamic fintech, standardisasi internasional, pertumbuhan populasi Muslim, dan meningkatnya kebutuhan pembiayaan hijau. Melalui studi literatur, penelitian ini menemukan bahwa harmonisasi regulasi, peningkatan SDM, transformasi digital, ekspansi pasar global, dan penguatan keuangan berkelanjutan menjadi strategi kunci untuk meningkatkan daya saing global perbankan syariah.  
Analysis of Opportunities and Challenges of Using Fintech in Islamic Banking in the Digital Era Nayla Fibri Anjani; Eky Okta Triana; Ika Yuli Astuti; Kaka Raflika Renandar; Widia Alfa Rifa; Ade Mayang Sari
Journal of Economics and Business Vol. 3 No. 2 (2025): Journal of Economics and Business
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/econis.v3i2.570

Abstract

The rapid growth of digital technology has driven innovation in Islamic banking, with fintech playing a key role in improving efficiency, expanding financial access, and strengthening competitiveness. This literature-based study analyzes the opportunities and challenges of fintech adoption in Islamic banking. Findings indicate that fintech creates opportunities through improved service effectiveness, broader market reach, enhanced service quality, easier transactions, and strong regulatory support. However, several challenges remain, including cybercrime risks, uneven digital infrastructure, low fintech literacy among the public, and strict Sharia compliance requirements. Overall, fintech has great potential to support the development of Islamic finance if supported by the right digital strategies, stronger regulations, and increased user literacy, providing valuable insights for industry players, regulators, and academics in building an inclusive and sustainable Islamic fintech ecosystem.

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