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Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Published by Asosiasi Riset Ekonomi dan Akuntansi Indonesia
ISSN : 30469015     EISSN : 3046983X     DOI : 10.61132
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) merupakan jurnal yang dikhususkan untuk publikasi artikel ilmiah yang diterbitkan oleh Asosiasi Riset Ekonomi dan Akuntansi Indonesia. Jurnal ini terbit 4 kali dalam setahun yaitu pada bulan Januari, Maret, Mei, Juli, September, dan November. Misi Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) adalah untuk mendiseminasikan, mengembangkan dan memfasilitasi hasil-hasil penelitian Ilmu Ekonomi,Ilmu Perpajakan dan Akuntansi, sebagai wadah bagi para dosen, guru, peneliti dan praktisi di bidang Ekonomi dan Manajemen dari seluruh Indonesia, dalam melakukan pertukaran informasi mengenai hasil penelitian terbaru yang telah dilakukan.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 209 Documents
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Pengaruh Teknologi dan Inovasi terhadap Perekonomian Negara-Negara Muslim di Indonesia Intan Ratnasari; Mohammad Daffa Dhiya Ulhaq; Mochammad Yuda Adipradana
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 3 (2026): Mei : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i3.2271

Abstract

.  Technological development and innovation play an important role in driving economic growth in various countries, including those with predominantly Muslim populations such as Indonesia. This study aims to analyze the influence of technological development on economic growth, examine the role of innovation in enhancing the competitiveness of the Islamic economy, and identify the opportunities and challenges of utilizing technology in the economic activities of Muslim communities in Indonesia. The research employs a qualitative approach through a literature review of various scholarly journal sources. The findings indicate that digital technology significantly contributes to increased productivity, economic efficiency, and expanded market access for businesses, particularly Micro, Small, and Medium Enterprises (MSMEs). In addition, innovations in the Islamic financial sector, such as Islamic fintech, have improved financial inclusion among the public. However, several challenges remain, including low levels of digital literacy, disparities in technological infrastructure, and the need for effective supervision to ensure that technological applications remain consistent with Islamic principles. Therefore, collaboration among the government, private sector, and society is essential to maximize the benefits of technology and innovation in achieving inclusive and sustainable economic development.
Teknologi, Inovasi, dan Pertumbuhan Ekonomi Islam di Negara Muslim Firla Azizah; Ival Fadliyanto; Julfie Zahara
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 3 (2025): Mei: Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i3.2277

Abstract

This study examines the role of technology and innovation in supporting the growth of the Islamic economy in Muslim countries. The development of digital technology has brought significant changes to people's lives, particularly in economic activities. The presence of the internet, smartphones, and various digital platforms has made economic activities easier, faster, and more practical. This research shows that technology and innovation have a significant influence on the development of the Islamic economy. Technology helps people access Islamic economic services more easily and efficiently. Overall, technology and innovation play a crucial role in strengthening the growth of the Islamic economy in the digital era. Therefore, support from the government, financial institutions, the business community, and the public is needed to ensure that the use of technology in the Islamic economy can develop optimally and remain in accordance with Sharia values.
Penerapan Akad dan Prinsip Syaiah dalam Produk Perbankan: Studi Empiris pada PT BPRS Berkah Dana Fadhlillah Kota Pekanbaru Helmawati Harahap; Azwar Azwar; Faras Darmawati; Desy Rahmawati; Mhd Aditya Pratama; Habib Auda Alfarizi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2337

Abstract

This study aims to examine the implementation of contracts (akad) and Sharia principles in banking products at PT BPRS Berkah Dana Fadhlillah. The rapid development of Islamic financial institutions requires alignment between theoretical concepts and their practical implementation, particularly in the use of contracts and the application of Sharia principles. However, there are still public doubts regarding the Islamic financial system, especially in distinguishing between profit margins and interest. Therefore, this study is important to determine the extent to which contracts and Sharia principles are applied in actual banking products. This research employs a qualitative method with a descriptive approach. Data were collected through interviews, observation, and documentation. The findings indicate that the implementation of contracts and Sharia principles in banking products at PT BPRS Berkah Dana Fadhlillah has been carried out in accordance with theoretical concepts. Financing products such as murabahah, ijarah, istisna’, and musyarakah are implemented using clearly defined contracts that are agreed upon at the beginning of the transaction. In addition, Sharia principles such as justice, transparency, and partnership have been applied in the bank’s operations. In conclusion, the implementation of contracts and Sharia principles at PT BPRS Berkah Dana Fadhlillah is consistent with theoretical frameworks, although challenges remain in terms of public understanding. This study is expected to contribute to the development of Islamic financial institutions and serve as a reference for future research.
Transformasi Koperasi Menuju Era Society 5.0 dalam Meningkatkan Perekonomian Indonesia Ival Fadliyanto
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2349

Abstract

The development of digital technology has brought significant changes to various economic sectors, including cooperatives as one of the pillars of the people’s economy in Indonesia. Cooperatives, which have long been known for their principles of mutual cooperation and shared welfare, are required to adapt to technological developments in the Society 5.0 era. This study aims to analyze the opportunities, challenges, and strategies for cooperative transformation toward the digital era in order to improve their competitiveness and contribution to the national economy. The research method used is a qualitative method with a descriptive approach through a literature study of various journals, scientific articles, and reliable sources related to cooperative digitalization and Society 5.0. The results of the study indicate that digital transformation can help cooperatives improve operational efficiency, expand market access, enhance member service systems, and create transparency in financial management. However, the transformation process still faces various obstacles, such as low digital literacy, limited technological infrastructure, lack of funding, and resistance to change. Therefore, an integrated strategy is needed through improving digital literacy, strengthening cooperation with the government and private sector, developing digital business models, and providing regulatory support that promotes cooperative transformation in the Society 5.0 era.
Analisis Perkembangan Struktur Modal dan Keterkaitannya terhadap Harga Saham pada PT Bank Syariah Indonesia Tbk Periode 2021–2025 Ramadanis Ramadanis; Nayla Permata Devi; Nur Hazizah; Marsya Vellinda Dwi Arini; Shalsabila Shalsabila; Salwa Salsabila; Rendi Resfinaldy
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2364

Abstract

The capital market plays a vital role in the economy, where capital structure serves as an important indicator influencing investor perception and stock price stability, particularly in the case of PT Bank Syariah Indonesia Tbk following its merger. This research aims to describe the development of capital structure and stock price movements, as well as to interpret the tendency of the relationship between the two. The method applied is descriptive quantitative, utilizing secondary data from annual reports and capital market data. The analysis technique includes calculating the debt-to-equity ratio and observing stock price trends narratively. The results indicate that the company's capital structure is relatively stable, with the ratio fluctuating in the range of 2.02 to 2.47 times. On the other hand, stock prices showed dynamic and fluctuating movements throughout the observation period. Further analysis reveals that changes in capital structure do not always move in line with stock price movements, indicating the influence of external factors such as market sentiment and macroeconomic conditions. The implications of these findings suggest that management should continue to optimize the balance of funding to minimize financial risk, while also advising investors not to rely solely on capital structure ratios, but to consider other fundamental factors in making investment decisions.
Studi Tentang Pengaruh Ajaran Islam pada Perekonomian Negara Arab Saudi Diva Nazmi Laila; Della Wahyuningsih; Apriyanto Apriyanto; Mohammad Ridwan
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2370

Abstract

Saudi Arabia is a country that uses the Qur’an and Sunnah as the foundation of its constitution, which makes Islamic teachings significantly influential across various sectors of life, including the economic sector. This study aims to analyze the influence of Islamic teachings on the development of the Saudi Arabian economy and examine how the country addresses the challenges of modernization and economic globalization. The research employs a library research method with a qualitative descriptive approach. The findings indicate that Islamic teachings play a central role in shaping economic policies in Saudi Arabia, guiding both regulatory frameworks and development directions. However, the country’s strong dependence on the oil and gas sector has become a major structural challenge in achieving sustainable economic growth. In response, the Saudi government has implemented economic reforms through the Vision 2030 program, which is designed to diversify the national economy beyond oil dependency. These reforms reflect a strategic effort to balance the preservation of Islamic values with the need to adapt to global economic changes and modernization demands. Overall, the study highlights the dynamic interaction between religious principles and economic transformation in Saudi Arabia’s development strategy.
Manajemen Pembiayaan Jual Beli & Murabahah Teknik Implementasi Bai’ Al-Murabahah, As-Salam, dan Istishna dalam Pembiayaan Konsumtif dan Produktif Apriyanto Apriyanto; Dini Selasi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2371

Abstract

The development of Islamic financial institutions has encouraged the increased use of sale-based financing contracts as an alternative financing system in accordance with Islamic principles. This study aims to analyze the management of sale-based financing and the implementation techniques of bai' al-murabahah, as-salam, and istishna' contracts in both consumer and productive financing. The method used in this study is a qualitative descriptive method through a literature review by reviewing various literature related to Islamic financing. The results show that murabahah financing is more widely used to meet consumer needs because it provides price certainty and profit margins. Meanwhile, as-salam and istishna' contracts are more widely applied in productive sectors such as agriculture, trade, and the manufacturing industry. The implementation of good financing management includes the planning stage, feasibility analysis, contract implementation, supervision, and resolution of problematic financing. With proper management, sale-based financing can improve community welfare and support the development of the Islamic economy..
Strategi Pengelolaan Resiko Produksi Batik Pewarna Alami pada Koperasi Batik Ciwaringin Icha Asaroh; Dini Selasi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2372

Abstract

This study aims to analyze the risk management strategies in the production of natural dye batik at the Ciwaringin Batik Cooperative, Cirebon Regency. Ciwaringin Batik is recognized as one of the batik production centers that utilizes natural dyes derived from various plants, giving it significant cultural and environmental value. However, the production process of natural dye batik faces several risks, including color quality inconsistency, limited availability of natural raw materials, weather changes affecting the drying process, and limited workforce skills. These challenges may hinder business sustainability and the cooperative’s competitiveness. This research employs a descriptive qualitative approach through observation, interviews, and documentation studies to identify risk sources and management strategies. The findings indicate that production risk management is implemented through the diversification of raw material sources, enhancement of artisans’ skills through training programs, application of standard operating procedures (SOPs), and strengthening collaboration among the cooperative, farmers supplying natural dye materials, and other supporting stakeholders. These strategies effectively minimize potential production disruptions while maintaining the quality of environmentally friendly batik products. Therefore, effective risk management plays a crucial role in supporting the sustainability and development of the natural dye batik business at the Ciwaringin Batik Cooperative.
Mitigasi Risiko Pembiayaan Bermasalah pada Koperasi Jasa Keuangan Syariah yang Mengelola Unit Ritel: Pendekatan Syariah Compliance Dede Saeroji; Dini Selasi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2381

Abstract

The expansion of retail units by Sharia Financial Services Cooperatives (KJKS) serves as a business diversification strategy to improve members’ welfare. However, this expansion increases exposure to the risk of nonperforming financing (NPF). This study employs a qualitative literature review using secondary data from the Financial Services Authority (OJK) to analyze financing risk mitigation strategies through a Sharia compliance approach. The findings indicate that the national NPF rate for KJKS remains relatively high and is influenced by weak feasibility analysis and member moral hazard. The role of the Sharia Supervisory Board (DPS), the implementation of Standard Operating Procedures (SOPs) based on DSN-MUI fatwas, and an early warning system are key to risk mitigation. Strengthening Sharia audits by the OJK is recommended to ensure that KJKS retail units remain sound and compliant with Sharia principles.
Bank Perekonomian Rakyat Syariah (BPRS): Analisis Bibliometrik dan Kajian Literatur Sistematis Muhammad Isman Almaududi; Pranoto Effendi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2390

Abstract

This study aims to map and analyze the development of research on Islamic Rural Banks (BPRS) using a bibliometric approach and a systematic literature review (SLR). BPRS are Islamic financial institutions that play a crucial role in supporting financial inclusion, particularly in the micro and small sectors; however, academic studies on their role and performance remain limited and have yet to be comprehensively documented. This research employs bibliometric methods using software such as VOSviewer to analyze articles published in scientific journals indexed in Google Scholar. The analysis covers publication trends, citation patterns, author collaborations, and the identification of key topics examined within the context of BPRS. Furthermore, an SLR was conducted to delve into key themes such as risk management, efficiency, contributions to the regional economy, and compliance with Sharia principles. The findings indicate that although interest in the BPRS topic has increased in recent years, more in-depth research on service innovation, digitalization, human resources, and corporate governance is still highly necessary. This study provides recommendations for future research directions to strengthen the literature on BPRS and enhance the understanding of its contribution to the development of the Sharia-based economy.

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