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Ecobankers : Journal of Economy and Banking
Published by Universitas Islam Bunga Bangsa Cirebon
ISSN : -     EISSN : 27466949     DOI : 10.47453
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Communicative adalah jurnal Program Studi Komunikasi dan Penyiaran Islam, Fakultas Dakwah dan Komunikasi, Institut Agama Islam Bunga Bangsa Cirebon. Jurnal Communicative merupakan jurnal publikasi ilmiah yang berupaya memfasilitasi dan menyediakan artikel ilmiah hasil penelitian empiris dan analisis-reflektif bagi para praktisi dan akademisi. Jurnal Communicative yang diharapkan dapat berkontribusi dalam mengembangkan teori dan mengenalkan konsep-konsep baru di bidang komunikasi penyiaran Islam dalam perspektif yang luas. Jurnal Communicative terbit dua kali dalam se tahun: Juni dan Desember Jurnal Communicative mengundang penulis, para ahli dan segenap sivitas akademika untuk menulis artikel ilmiah sesuai dengan fokus dan scope jurnal Communicative. Isi tulisan sepenuhnya menjadi tanggung jawab penulis masing-masing.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 197 Documents
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The Relevance of Fiqh Muamalah Study in the Development of the Digital Economy Muhammad Ibnu Baihaqie; Mohammad Ridwan; Gama Pratama
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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Abstract

The development of the digital economy has brought significant changes to the economic transaction patterns of society, including Muslims. This transformation is marked by the emergence of various innovations such as e-commerce, financial technology (fintech), digital wallets, and blockchain-based systems. This situation demands a reexamination of muamalah jurisprudence (fiqh) to ensure its relevance and applicability. This article aims to analyze the relevance of muamalah jurisprudence in responding to the dynamics of the digital economy, emphasizing the application of fiqh principles and the maqasid (objectives) of sharia. This research uses a literature review method with a conceptual approach, drawing on classical and contemporary sources. The results indicate that muamalah jurisprudence is flexible and adaptive, capable of accommodating developments in the digital economy as long as it does not conflict with sharia principles. Thus, muamalah jurisprudence continues to play a strategic role as a normative and ethical foundation for building a just and welfare-oriented digital economic system
The Role of Generation Z as Economic Actors in the Digital Age: Analysis of the Phenomenon of Youth Entrepreneurship on E-Commerce Platforms Deva Arta Nola; Erla Deliyana; Salwaa Mumtazah; Hasrin Putri Arti; Gama Pratama
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.3646

Abstract

This research aims to analyze the role of Generation Z in developing the digital economy in Indonesia, with a focus on the phenomenon of successful young entrepreneurs at a young age through the utilization of technology and digital marketing strategies. One of the real examples is a 16-year-old teenager who managed to achieve a turnover of five billion rupiah in 1.5 years through a hard selling strategy of imported hair accessories products on the e-commerce platform. This phenomenon illustrates that Generation Z has high adaptability to technological developments and the courage to innovate in the digital era. The research method used is qualitative descriptive with a case study approach. The research results show that the success of the young entrepreneur is supported by the utilization of digital marketing strategies, creativity in product branding, and the ability to read market trends quickly. This finding reinforces the view that Generation Z has great potential as a driver of the national digital economy in the future Keywords: Generation Z, Digital Economy, Young Entrepreneur, Hard Selling, E-Commerce
The Impact of Budget Allocation on Regional Development Performance in 2024 Siti Wulan Sari; Ahmad As'adi; Alvi Nuramalia; Haerul Ihsan; Intan Nabila; Maesaro Sulandari; Gama Pratama
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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Abstract

This study examines the impact of budget allocation on regional development performance with a case study in Cirebon Regency. The main problem is related to the effectiveness of the Regional Revenue and Expenditure Budget (APBD) in encouraging development in the era of fiscal decentralization, where budget allocation is often not optimal. The purpose of the research is to describe the pattern of budget allocation for the 2024 APBD, analyze development performance based on economic, social, and infrastructure indicators, and measure the influence of budget allocation on this performance. The method used is a literature study with a descriptive qualitative approach, analyzing APBD, PPAS, and related literature documents. The results of the study show that the Cirebon Regency Budget in 2024 is IDR 3.919 trillion, with revenue dominated by central transfers (76%) and operating expenditure reaching 73%, which limits productive investment. Development performance was hampered by high fiscal dependence and the dominance of routine spending, although capital allocation contributed positively to infrastructure. Factors such as participatory planning and increased PAD are needed to increase effectiveness. This study recommends the transformation of fiscal governance towards inclusive and sustainable development.
Analysis of the Mudharabah Contract in the Perspective of Islamic Fiqh and Its Implementation in Sharia Banking Practice gama pratama; M Frendi Dian Santana; Amanah Amanah
Ecobankers : Journal of Economy and Banking Vol. 6 No. 2 (2025): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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Abstract

The Mudharabah Agreement is a form of cooperation agreement between two parties, namely the mudharib (fund manager) and the shahibul mal (capital owner), where the profits are divided based on the previous agreement. Transparency, trust, and active involvement of both parties are the keys to the success of this contract. Mudharabah is often used in the context of Islamic finance to support the principle of risk and reward sharing. In its implementation, the Mudharabah contract reflects the principles of justice and economic sustainability in accordance with Islamic sharia values.
Integrating Hifz al-Bi'ah into Industrial Governance: A Sharia and Al-Maslahah Maqashid Based Framework for the Circular Economy Muhamad Fikri Ramadan; Falah Alkautsar; Ade Apriyani; Mohammad Ridwan
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4529

Abstract

Governance require radical change. From a different perspective, Islamic principles such as maqasid sharia (the principles of Islamic law) and al-maslahah (the principles of social responsibility) can be used to combine environmental preservation (hifz al-bi'ah) with modern industrial governance within a circular economy framework. A systematic literature review shows that Islamic legal principles have established the ethical and normative foundations for sustainable industrial practices. This research method uses a descriptive qualitative method with a literature review. The results show that hifz al-bi'ah is a crucial part of al-dharuriyyat al-khamsah and constitutes a comprehensive plan for adopting a circular economy. In the context of the transition to a circular economy, the principles of istikhlaf, tawazun, and mas'uliyyah—namely, stewardship, ecological balance, and accountability—become more evident. From an Islamic economic perspective, this paper proposes a framework that combines traditional Islamic jurisprudence with today's pressing sustainability needs and can be a significant contribution to the ongoing discourse on Islamic economics
The Effect of Dividend Announcements on Change Stock Price After GMS to Date on Shares Jakarta Islamic Index (JII) Period 2017-2022 Abdul Ghofur; Toto Sukarnoto; Dini Selasi; Gama Pratama
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4530

Abstract

Changes. This study is motivated by the fact that investors who decide to invest in the Islamic capital market will certainly consider some information and analysis of an Islamic issuer. Dividend policy announcement is one of the information for investors to place their funds into an issuer. The purpose of this study was to determine the effect of dividend policy announcements on changes in stock prices after the AGM until the cum date on the Jakarta Islamic Index (JII) stocks for the period 2017-2022. This research uses a type of quantitative research with an event study method approach. The data collection method in this study uses secondary data documentation. This study took a sample of issuers that were consistently listed on the Jakarta Islamic Index (JII) for the period 2017-2022 and distributed dividends. In collecting data on dividend policy announcements (X), researchers took the nominal dividends distributed, while for changes in stock prices (Y) researchers took the closing price of shares with a range of AGM dates to cum date. Then the data that has been collected is processed to answer and find out the problems presented in this study. The data analysis method used in this research is panel data regression analysis and simple linear regression, which is processed using descriptive statistical analysis. Furthermore, where the results of the data processing are Announcement of cash dividend policy has a significant and negative effect on changes in stock prices of issuers of the Jakarta Islamic index (JII) for the period 2017-2022. This is evident from the results of the t test with a value of t count> t table, and a negative t value which indicates that the higher the dividend value, the lower the value of stock price changes. As well as the magnitude of the effect of the announcement of the cash dividend policy on changes in the share prices of issuers of the Jakarta Islamic index (JII) for the period 2017-2022 based on the results of the coefficient of determination test is 0.2669 or 26.69%. While the rest is influenced by other factors outside this study. Dividend policy announcements may not have a big effect on stock price changes due to other factors that affect stock price changes. This research, it is hoped that investors will further analyze the issuers to be selected not only from the dividend policy
The Role of Financial Institutions in Controlling Inflation through Money Supply Policies in Indonesia in the Era of the COVID-19 Pandemic Ita Wulandari; Linda Lidiyawati; Gama Pratama; Delia Apriyahya; Siti Nurkommala
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4532

Abstract

The COVID-19 pandemic that has hit Indonesia since the beginning of 2020 has had a significant impact on national economic stability, especially in terms of controlling inflation and managing the money supply. This study aims to analyze the role of financial institutions, especially Bank Indonesia as a central bank and banking institution, in controlling inflation through money supply policies during the COVID-19 pandemic era. The research method used is a literature review study with empirical data analysis obtained from publications of Bank Indonesia, the Central Statistics Agency, and scientific journals for the period 2020-2024.The findings of the study indicate that Bank Indonesia has implemented a variety of accommodative monetary policy instruments, including the reduction of the BI 7-Day Reverse Repo Rate, the easing of the Minimum Mandatory Current Account, and the policy of purchasing Government Securities to maintain liquidity and stability of the financial system. Although the money supply has increased significantly during the pandemic period, inflation in Indonesia has remained under control within the set target range, even experiencing deflation in some periods. This shows the effectiveness of coordination between monetary and fiscal policies, as well as the active role of banking institutions in maintaining economic stability. The study concludes that financial institutions play a crucial role in controlling inflation through proper money supply management, although external challenges such as global price pressures and economic uncertainty remain to require continued vigilance.
The Development of E-Commerce in Indonesia Reviewed from a Digital Economy Perspective Eva Nurazizah; Muhammad Zidan Andriawan; Gama Pratama
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4533

Abstract

This research aims to explore the development of e-commerce in Indonesia. The research was conducted with a qualitative approach, using literature studies as a source of information about the development of e-commerce, both from books and scientific articles. Advances in information and communication technology in the era of globalization have brought significant changes in various areas of life, including the trade sector. One of the tangible manifestations of this change is the presence of electronic commerce (e-commerce), which allows buying and selling transactions to be carried out digitally via the internet. Based on the discussions that have been carried out, it can be concluded that the development of e-commerce in Indonesia is taking place very quickly, especially since the COVID-19 pandemic. This growth is triggered by the high adoption of digital technology, the increase in the number of internet users, and the increasing trend of online shopping which is increasingly accepted by the public
Bank Islam Brunei Darussalam (BIBD) as a Pillar of National Sharia Finance: A Study of Its Historical Development, Operational Framework, and Role in the Global Financial System Gama Pratama
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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Abstract

This study examines the strategic role of Bank Islam Brunei Darussalam (BIBD) as the central pillar of Islamic finance in Brunei Darussalam. The country’s financial system is strongly supported by BIBD as its leading Islamic banking institution. The research aims to analyze BIBD’s historical development, operational management, Islamic banking products, and its contribution to both the national economy and the global financial system. This study employs a qualitative descriptive approach, utilizing secondary data from academic literature, institutional reports, and official publications related to BIBD. The findings reveal that BIBD possesses a strong institutional foundation, supported by integrated governance and strict adherence to Sharia principles. Its banking products emphasize fairness, transparency, and risk-sharing, which contribute to maintaining public trust. Despite its dominance in the domestic market, BIBD faces several global challenges, including increasing international competition, rapid digital transformation, and the need for harmonization of Sharia standards across jurisdictions
Analysis of Service Quality in Enhancing Customer Satisfaction at Jamil Sembako Store in Kaliwulu, Plered, Cirebon In’amul Hasan; Heru Cahyono; Mawar Jannati Al Fasiri; Gama Pratama
Ecobankers : Journal of Economy and Banking Vol. 7 No. 1 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i1.4535

Abstract

This research aims to find out about service quality analysis in increasing consumer satisfaction at the Jamil grocery store in Kaliwulu Plered Cirebon. The theoretical view of service quality consists of 5 concrete dimensions, the reliability dimension, the responsibility dimension, the security dimension, and finally the empathy dimension. This research method is descriptive qualitative, namely an approach to a particular phenomenon, behavior, event or situation which is the object of research. Data collection techniques in this research are interview techniques, observation techniques, and documentation techniques. Based on the research results, it can be concluded that the service provided by Jamil store employees is quite good. Judging from the results of interviews with informants who said that the shop employees were quite quick and polite and correctly carried out the 3S (smile, greet, greeting), serving painstakingly quickly and precisely

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