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Abu Lubaba
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Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Islam Bunga Bangsa Cirebon
ISSN : -     EISSN : 27470237     DOI : 10.47453
Core Subject : Economy,
Economics, Econometrics & Finance
The Ecopreneur Journal is a journal that provides findings – findings of scientific research in the field of Islamic economics and business published by the Sharia Economics Study Program IAI Bunga Bangsa Cirebon. This journal is published periodically 2 times a year, namely in February and August. This journal is intended for researchers, academics, lecturers, students and the general public.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 169 Documents
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Stabilitas Ekonomi Islam: Telaah Teoritis Terhadap Mekanisme Pengendalian Inflasi Faiz Amin; Yadi Janwari; Sofyan Al Hakim
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4055

Abstract

Inflasi merupakan fenomena ekonomi yang ditandai dengan kenaikan harga barang dan jasa secara umum dan berkelanjutan, hal ini menyebabkan penurunan daya beli masyarakat serta mengganggu stabilitas ekonomi dan keadilan sosial. Dalam perspektif ekonomi Islam, inflasi tidak sekadar masalah moneter, melainkan ancaman serius terhadap prinsip keadilan (ʿadl), kesejahteraan umat (maṣlaḥah), dan stabilitas sistem keuangan yang berlandaskan syariah. Penelitian ini bertujuan untuk menggali serta menganalisi startegi penanganinflasi dalam perspekstif ekonomi islam.Penelitian ini bersifat kualitatif dan menggunakan metodeLibrary researchsebagai pendekatan penelitian. Hasil analisis menunjukkan bahwa penyebab inflasi terbagi menjadi dua kategori utama, yaitu natural inflation (faktor alamiah yang tidak dapat dikendalikan manusia) dan human error inflation (kesalahan manusia, seperti korupsi, penyalahgunaan wewenang moneter, pencetakan uang berlebih berbasis riba, serta ekspektasi inflasi). Mekanisme pengendalian dalam sistem keuangan Islam dilakukan melalui kebijakan moneter bebas riba berbasis bagi hasil (profit-loss sharing) dengan instrumen zakat sebagai redistribusi kekayaan, larangan penimbunan harta (iḥtikār), serta pengembangan instrumen syariah seperti sukuk negara dan perbankan syariah yang berorientasi pada sektor riil. Penelitian ini menyimpulkan bahwa sistem keuangan Islam menawarkan kerangka pengendalian inflasi yang lebih adil, stabil, dan berkelanjutan dibandingkan sistem konvensional, karena mengintegrasikan nilai-nilai syariah yang menekankan keseimbangan, keadilan, dan kesejahteraan bersama.
The Influence of Waqf Literacy, Trust, and Religiosity on Interest in Cash Waqf: (Islamic Finance and Banking Study Program, Medan State Polytechnic, Medan City, North Sumatra Province, Indonesia) Nazwa Raissa Zahira; Widia Dahmira; Nova Zahara Tianra Rikana; Rizal Agus
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4058

Abstract

This study aims to examine the influence of waqf literacy, trust, and religiosity on the intention to perform cash waqf in Indonesia, considering that its realization remains below its potential. The research employed a quanti-tative approach with an explanatory research design using a survey method through a five-point Likert scale questionnaire distributed to 35 respondents selected purposively based on the criteria of being Muslim, at least 17 years old, and having knowledge of cash waqf. Data were analyzed using multiple linear regression with SPSS 25 after conducting validity, reliability, and classical assumption tests. The results indicate that partially, waqf literacy and trust do not significantly affect cash waqf intention, whereas religiosity has a positive and sig-nificant effect and is the most dominant variable. Simultaneously, the three variables significantly influence cash waqf intention with an Adjusted R² of 0.532, meaning that 53.2% of the variance in intention is explained by the model, suggesting that strengthening religiosity, enhancing waqf education, and improving institutional transparency are crucial strategies to increase cash waqf participation. Keywords: Waqf Literacy, Trust, Religiosity, Cash Waqf Intention
Implementation Of Business Development Strategies To Improve Competitiveness At Bank Syariah Indonesia Surabaya Renny Oktavia; Shania Pradyptha Kusuma; Mutiara Latifah; Annisa Dwi Wulandari
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4072

Abstract

Islamic banking in Indonesia shows a positive growth trend, but still faces significant challenges in increasing competitiveness amidst tight competition between islamic banks and conventional banks. This indicates a gap between the potential of the Islamic finance market and its actual realization. This study aims to analyze the challenges and formulate strategies to enhance the competitiveness of Islamic banking, focusing on a case study of Bank Syariah Indonesia (BSI) KCP MERR and KCP PGS Surabaya. A descriptive qualitative approach was employed, utilizing semi-structured interviews with informants who had internship experience at BSI, along with a literature review of academic journals and secondary data such as official reports from the Financial Services Authority (OJK). The findings reveal that the main challenges faced by BSI include low Islamic financial literacy, limited digital innovation, and insufficient outreach in marketing strategies. The strategies implemented involve enhancing digital services, conducting intensive public education, and developing Sharia-compliant financial products based on market needs. The implications of this research are expected to provide practical recommendations for strengthening the competitiveness of Islamic banks nationally while promoting inclusive financial growth grounded in Islamic values.
Akad/Kontrak Dalam Keuangan Syariah, Studi Analisis Terhadap Akad Ijarah Multijasa Pada BMT Al Falah Cirebon Abdul Aziz; Dede Abdurohman
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4133

Abstract

The purpose of this study is to examine the implementation of multi-service ijarah contracts at BMT Al Falah Cirebon, with an emphasis on the implementation of contracts in the field. The main focus of this study examines the relationship between DSN-MUI Fatwa No.44/DSN-MUI/VIII/2004 concerning Multi-Service Financing and practices in the field, including the potential for sharia deviations that can harm members. Qualitative approach with case study methods. Data collection techniques are through direct observation, review of contract and regulatory documents, and literature studies. The results of the study show that the implementation of the multi-service ijarah contract at BMT Al Falah has met the basic principles of sharia, including the clarity of the object of the contract, the determination of ujrah in a fixed nominal form, and the separation of the wakalah contract. Although it was found that the public's understanding of the contract is passive which has the potential to weaken the principle of ikhtiyari in the contract, the BMT tries to explain each article in the contract to members, so that the essence of the principle of ikhtiyari is maintained. The use of the Religious Court as a dispute resolution is in line with the provisions of national law. Practically, these findings contribute to the development of multi-service contracts that are more fair, participatory, and in line with sharia economic law. Further research is suggested to further examine the role of parties in the contract negotiation process and how sharia values are internalized in financing practices.
Rekonstruksi Kelembagaan Ekonomi Dan Keuangan Syariah Dalam Menghadapi Isu Kontemporer Dan Tantangan Global Erin Rismaya; Layaman; Aan Jaelani
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4134

Abstract

The institutional reconstruction of Islamic economics and finance represents an urgent necessity amid continuously evolving global dynamics. This article aims to comprehensively analyze the institutional conditions of Islamic economics and finance, identify structural gaps impeding its growth, and formulate an institutional reconstruction model grounded in maqasid al-shariah that is relevant to contemporary challenges. This research employs a qualitative approach through systematic literature review and normative-philosophical analysis based on maqasid al-shariah. Data were gathered through a systematic review of internationally reputable journals, reports from international financial institutions, and current regulations within the global Islamic finance ecosystem. The findings reveal that Islamic financial institutions face five primary challenges: (1) regulatory fragmentation across jurisdictions, (2) gaps in Islamic financial literacy and inclusion, (3) weak technological infrastructure and digital finance adoption, (4) governance and Shariah accountability crises, and (5) insufficient integration of Islamic financial instruments into the global financial architecture. As a novelty contribution, this study proposes the Integrative Islamic Institutional Reconstruction Model (IIIRM), grounded in five pillars: regulatory harmonization, literacy strengthening, digital transformation, governance reform, and global integration. This model offers a holistic framework bridging normative Shariah perspectives with the realities of the contemporary global financial system.
Analisis Penetapan Harga Dan Produksi Pada Usaha Dagang Pulungan Kelapa Berdasarkan Perspektif Ekonomi Mikro Silvia Hasibuan; Monika Flora Manik; Rini Khairani Harahap; Amelia
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4343

Abstract

Penelitian ini bertujuan untuk menganalisis penetapan harga dan produksi pada UD Pulungan Kelapa berdasarkan perspektif ekonomi mikro. Metode penelitian yang digunakan adalah metode kualitatif dengan pendekatan deskriptif. Data diperoleh melalui observasi, wawancara, dan dokumentasi dengan pemilik usaha sebagai informan utama. Hasil penelitian menunjukkan bahwa penetapan harga pada UD Pulungan Kelapa dilakukan dengan mempertimbangkan biaya bahan baku, biaya transportasi, biaya operasional, serta kondisi pasar. Harga kelapa ditentukan berdasarkan ukuran dan berat produk, dengan harga kelapa kiloan sekitar Rp4.500 per kilogram dan kelapa bulat berkisar antara Rp5.000 hingga Rp12.000 per butir. Jumlah produksi dan penjualan dipengaruhi oleh tingkat permintaan konsumen, terutama pada hari-hari besar keagamaan dan kebutuhan pelanggan tetap seperti rumah makan serta produsen makanan. Strategi penetapan harga yang diterapkan cenderung menggunakan pendekatan cost-based pricing, yaitu penetapan harga berdasarkan biaya yang dikeluarkan ditambah keuntungan yang diharapkan. Selain itu, kualitas produk, pelayanan yang baik, serta hubungan jangka panjang dengan pelanggan menjadi faktor penting dalam mempertahankan keberlangsungan usaha. Dari perspektif ekonomi mikro, keputusan produksi dan penetapan harga yang dilakukan UD Pulungan Kelapa telah mencerminkan penerapan teori permintaan dan penawaran serta perilaku produsen dalam upaya memaksimalkan keuntungan. Faktor modal dan biaya bahan baku merupakan faktor yang paling berpengaruh terhadap keberlangsungan dan perkembangan usaha.
Persepsi Nasabah Kota Bandung terhadap Implementasi Akad dan Prinsip Bank Syariah Indonesia (BSI) Sri Andini; Intan; Dika Pratama; Aqiila Nurunnisa Arifin; Desi Mulyani; Fairuz Nasywadhiya Aji; Syarip Hidayat
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of Islamic banking in Indonesia, particularly following the merger of Bank Syariah Indonesia (BSI) in 2021, underscores the importance of evaluating customer perceptions regarding the real implementation of Islamic contracts (akad) and sharia principles. This study aims to analyze the perceptions of active BSI customers in Bandung City toward the implementation of akad and sharia principles, as well as to identify the factors influencing their satisfaction, trust, and loyalty. This study employed a qualitative descriptive method with data collected through open-ended questionnaires distributed to 5 active BSI customers in Bandung City, selected using purposive sampling technique. Primary data were analyzed narratively and supported by secondary data in the form of relevant scientific journal literature. The results indicate that religiosity is the primary motivation for customers in choosing BSI; however, a significant gap exists between this religious enthusiasm and the customers' relatively low level of Islamic contract literacy. Some customers also perceive that Islamic banking practices are not substantially different from conventional banking, triggered by insufficient technical education received. Nevertheless, service quality, ease of digital technology access, and transparency in the profit-sharing system were proven to be key supporting factors for customer satisfaction and loyalty. This study concludes that BSI needs to strengthen its education and socialization programs on Islamic akad through various accessible media to improve Islamic financial literacy and public trust.
A Comparison of Sharia Screening and Environmental, Social, and Governance Investing in Halal Investment Planning for the Muslim Generation achmad nasrulloh; Nungki Hayukusuma; Siti Faridah; Agus Eko Sujianto; Amalia Nuril Hidayati
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i2.4473

Abstract

The rapid growth of the Islamic capital market—dominated by young Muslims—has given rise to dual investment preferences: absolute adherence to Sharia principles and compliance with Environmental, Social, and Governance (ESG) standards. The integration of these two frameworks often creates ethical dilemmas due to their differing philosophical foundations. This study aims to critically compare Sharia screening mechanisms with ESG standards and to formulate adaptive halal financial planning strategies. Using a systematic literature review method, a qualitative analysis was conducted on OJK regulations, DSN-MUI fatwas, and global sustainability literature. The synthesis confirms strong convergence regarding the rejection of “sin stocks” and the need for increased transparency in corporate governance. Fundamental divergence, however, arises regarding the tolerance threshold for usurious debt systems, where ESG standards could potentially approve environmentally friendly projects that involve usury—which is absolutely prohibited under Islamic commercial law (fiqh muamalah). These findings recommend the need for retail investors to implement dual screening (Sharia-ESG integration). As a strategic projection, stock exchange authorities need to immediately develop a single hybrid index to create an investment architecture that is financially profitable, resilient during crises, and consistent with the essence of Maqashid al-Shariah.
SYSTEMATIC REVIEW OF PREDICTIVE AND ANALYTICAL MODELS IN FINANCIAL PLANNING OF ISLAMIC HOUSEHOLDS IN INDONESIA putri vella meliyanti; Sarirotul ‘Alim; Ahmad Ibnul Karim; Agus Eko Sujianto; Amalia Nuril Hidayati
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v7i1.4475

Abstract

The complexity of economic conditions increasingly drives the need for financial planning that is not only economically efficient but also compliant with Sharia principles. Approaches to financial planning are also transforming. This study aims to identify, evaluate, and synthesize predictive and analytical models in Islamic household financial planning in Indonesia, as well as formulate a more integrative conceptual model. The methods used are: Systematic Literature Review (SLR) using the PRISMA approach to Google Scholar literature on Islamic household sharia financial planning in Indonesia for the period 2020–2025. The results show that studies are still dominated by analytical approaches, such as regression and SEM/PLS, which focus on the relationships between variables such as financial literacy, religiosity, and income. Meanwhile, the use of predictive models such as forecasting and machine learning is still very limited. The main findings indicate a gap between analytical and predictive approaches in the existing literature. Therefore, this study proposes an integrative conceptual model that combines input factors, process factors, a predictive layer, and output factors to improve the effectiveness of Islamic household financial planning. This research provides theoretical contributions to the development of Islamic finance literature and practical implications for households in managing their finances more adaptively and based on Islamic values.

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