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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 220 Documents
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Analysis of Marketing Strategies for Hajj Savings Products Based on Sharia Principles at Bank Muamalat Jefik Zulfikar Hafizd; Aenuliya Aenuliya; Abdul Fatakh; Ahmad Khoirudin
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (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 implementation of marketing strategies for the Tabungan iB Hijrah Haji product at Bank Muamalat Sumber Branch, which is based on Sharia principles. The study was motivated by the increasing competition among Islamic banks offering Hajj savings products and the need to develop strategies that are both competitive and compliant with Islamic values. Using a qualitative descriptive method with a case study approach, this research collected data through field observation, in-depth interviews with branch managers, marketing officers, and customers, as well as documentation such as reports and archives. Data were analyzed using three stages: data reduction, data presentation, and verification to ensure validity and accuracy of the findings. The findings reveal that Bank Muamalat Sumber Branch implements a holistic marketing strategy that integrates educational, spiritual, and digital approaches. Collaboration with religious institutions such as KBIHU, the Ministry of Religious Affairs, and BPKH strengthens customer trust. At the same time, digital promotion through social media, the official website, and live interaction platforms effectively reaches broader audiences. Key product features—such as low initial deposits, no administrative fees, and simple account-opening procedures—encourage customer satisfaction and foster strong word-of-mouth promotion. The application of Sharia principles in marketing practices reflects ethical integrity through the avoidance of gharar (uncertainty), maysir (speculation), and riba (usury). Transparency, fairness, and honest communication serve as the foundation of the bank’s service ethics, aligning business objectives with spiritual values. This synergy between Sharia compliance and strategic innovation reinforces Bank Muamalat’s position as a trusted Islamic financial institution. It demonstrates that ethical, faith-based marketing can drive sustainable growth and customer loyalty..
The Role of the Ciwaringin Batik Cooperative in Sustainable Environmentally Friendly Batik Production: A Maslahah Perspective Isabela Tania; Dini Selasi
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (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.v7i2.4462

Abstract

This study aims to analyze the role of the Ciwaringin Batik Cooperative in the sustainability of environmentally friendly batik production through a maslahah perspective, using a qualitative approach using a case study method in Cirebon Regency, using data collected through observation, interviews, and documentation. The maslahah perspective is used to assess the extent to which cooperative activities provide benefits for members, the community, and the environment simultaneously. The results of the study show that the cooperative plays an important role in production management, raw material provision, quality control, and marketing of natural dye batik, where members' production needs are met through the provision of materials by the cooperative while the availability of raw materials is maintained through planned inventory management, and product quality is maintained as a characteristic of Ciwaringin Batik. On the marketing side, the cooperative helps expand market access through customer networks, resellers, and digital media. Viewed from a maslahah perspective, the role of the cooperative is proven to include fulfilling members' economic needs (hifz al-mal), environmental preservation (hifz al-nafs), and strengthening social and cultural ties (hifz al-nasl), although a number of challenges are still found such as limited supply of certain raw materials, price competition, and suboptimal use of digital marketing. Various steps have been taken to address this, starting from strengthening raw material management, improving product quality, to developing marketing networks, so it can be concluded that cooperatives play a role as institutions that support the sustainability of environmentally friendly batik businesses by strengthening economic, social, and environmental aspects simultaneously in accordance with maslahah values. Keywords: cooperatives, environmentally friendly batik, natural dye batik, business sustainability, maslahah,
The Existence of the Islamic Economic System in Muslim and Western Countries in Facing Modern Economic Challenges Muhammad Roykhannul Arif; sitri sitri; Isabela Tania; Isman Fatoni; Aie Nuraeni; Mohammad Ridwan
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (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.v7i2.4505

Abstract

This study examines how principles of Fiqh Muamalah are enacted within Islamic crowdfunding platforms and evaluates their capacity to offer equitable, transparent financing for micro, small, and medium enterprises in the digital age. Using a descriptive qualitative approach grounded in literature review and secondary data analysis, the research links classical ethical precepts from the perspective of Imam al-Shafii with contemporary financial technology practices. Its novelty lies in this integrative reading of traditional Islamic jurisprudence alongside modern digital funding mechanisms an area that remains underexplored. Findings indicate that Islamic crowdfunding can operationalize core values such as fairness, disclosure, and the prohibition of riba across transactional processes. The study concludes that, when designed and governed properly, crowdfunding based on Islamic principles holds promise as a faith-compliant, inclusive financing alternative that supports sustainable participation in the digital economy.
Sinergi Syariah Dan Sustainability : Kajian Literatur Naratif Atas Ekosistem Green Halal Indonesia Efa Liyana Halim; Cory Vidiati; Ahmad Munajim; Dini Selasi
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (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.v7i2.4520

Abstract

The global halal industry has transformed into a dynamic economic force, yet studies that comprehensively map its ecosystem remain limited. This study synthesizes Indonesia’s green halal ecosystem through a narrative literature review of 48 selected articles from Scopus and Google Scholar (2022–2026) using content analysis. Findings reveal that the green halal ecosystem emerges from the synergy of Islamic values and sustainability principles that transcend mere technical compliance, with Muslim consumer behavior shaped by the values of qana’ah, i’tidal, and the prohibition of israf, while effective business strategies rest on technology-based supply chains and halal certification harmonization through a triple helix approach. The novelty of this study lies in its conceptual framework that simultaneously integrates theological, consumer, business, and policy dimensions into a unified synthesis, with strategic implications for businesses, government, and academics in advancing Indonesia’s green halal ecosystem.
Analisis Implementasi Prinsip Syariah Terhadap Efektivitas Penggunaan Instrumen Keuangan Syariah Di Era Digital: Perspektif Maqashid Syariah Putri Anggraeni
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (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.v7i2.4565

Abstract

The rapid advancement of financial technology has significantly transformed the Islamic finance industry, ranging from digital banking, sharia e-wallets, sharia peer-to-peer lending, to digital sukuk. This transformation raises a fundamental question regarding the extent to which digital-based Islamic financial instruments effectively realize the objectives of Islamic law (maqashid al-shariah), rather than merely fulfilling formal contractual compliance. This study aims to analyze the implementation of sharia principles on the effectiveness of Islamic financial instruments in the digital era through the lens of maqashid al-shariah. A qualitative descriptive-analytical library research method was employed, examining national and international scholarly journals published within the last five years, regulatory documents, and official reports of Islamic financial institutions. The findings indicate that the digitalization of Islamic finance positively contributes to the realization of hifz al-din, hifz al-nafs, hifz al-'aql, hifz al-nasl, and hifz al-mal through expanded access, transaction cost efficiency, and enhanced financial inclusion. Nevertheless, this effectiveness still faces challenges, including gaps in digital sharia financial literacy, weak sharia compliance supervision over technology platforms, data security risks, and a potential shift from maslahah-oriented practice toward mere formal compliance. This study recommends strengthening digital sharia governance, improving public literacy, and fostering regulatory synergy between financial authorities and the National Sharia Board so that the digital transformation of Islamic finance remains grounded in the essence of maqashid al-shariah.
Analysis Of Cooperative Capital: A Literature Review On The Source Of Capital, Residual Business Results And Financial Sustainability Of Cooperatives In Indonesia Khairani Alawiyah Matondang; Nasrullah Hidayat; Enjelika Simamora; Eva Ulina Br Hombing; Rinaldi; Yan Septian; Josua Simanjuntak
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (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.v7i2.4752

Abstract

This study aims to analyze the influence of capital on the Residual Business Results (SHU) of cooperatives and examine the role of capital in supporting the financial sustainability of cooperatives in Indonesia through a systematic literature review approach. The method used was a literature review of 13 selected scientific journal articles published in the range of 2021 to 2024, using quantitative analysis methods such as multiple linear regression, panel data regression, path analysis, and Two-Stage Least Squares (2SLS). The results of the study showed that capital itself consistently had a positive and significant effect on SHU in all studies studied. Business volume was also proven to consistently have a positive and significant effect on SHU. On the other hand, loan capital showed mixed findings: it has a positive impact if it is managed productively, but negative if the interest expense exceeds the business results. The financial sustainability of cooperatives is highly determined by the strength of internal capital, the level of member participation, and the quality of governance. This study identifies gaps in studies related to the role of reserve funds, financial sustainability in the Indonesian context, and regional representation outside Java and Bali.
Islamic-Based Digital Marketing Strategy In Improving The Welfare Of Business Actors At Annisa Cirebon Store Gama Pratama; Puput Indriyani; Muhammadun
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (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 aims to analyze the application of Islamic-based digital marketing strategies in improving the welfare of business actors in Toko Annisa, a Muslim fashion business located in Astanalanggar Village, Losari District, Cirebon Regency. Marketing digitalization encourages micro, small and medium enterprises to use social media as a means of promotion, while the values of honesty, trust, openness, and fairness remain the foundation that must be maintained so that business activities do not leave the sharia corridor. This study uses a qualitative approach with a descriptive case study design. Data was collected through observation, semi-structured interviews, and documentation of store owners, employees, and three customers as informants. Data analysis was carried out through data reduction, data presentation, and conclusion drawing following the Miles, Huberman, and Saldana models. The results of the study show that Toko Annisa implements digital marketing through WhatsApp, Facebook, and TikTok by prioritizing the principles of shiddiq, amanah, tabligh, and fathanah in every promotional content. The implementation of this strategy has been proven to increase sales volume, expand market reach, strengthen customer trust, and have a positive impact on owner income and employee welfare through bonuses and improved work skills. The main supporting factors include technological advancements, ease of internet access, and commitment to Islamic values of business owners, while the main inhibiting factors are the fierce competition of similar businesses in the digital realm and the limitations of product search features on the platforms used. This study confirms that Islamic-based digital marketing can be a business development model that is oriented not only to financial profits but also to the blessings and sustainability of the business.
The Role Of Halal Certification In Increasing Consumer Trust In Talun Sweet Coffee Shop Badriyah Kufa; Gama Pratama; Muhammadun
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (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 aims to analyze the implementation of halal certification at Warung Kopi Manis Talun, its impact on increasing Muslim consumer trust, and its application from the perspective of Maqashid Sharia and Islamic business ethics. A qualitative approach with a descriptive case study design was employed in this research. Data were collected through in-depth interviews with management, employees, and consumers, supplemented by field observations and documentation. Data analysis was conducted using the Miles and Huberman interactive model, utilizing source and technique triangulation to ensure data trustworthiness. The results indicate that obtaining a halal certificate through the BPJPH self-declare scheme successfully transformed the coffee shop's operational standards into a more structured, hygienic system aligned with the Halal Product Assurance System (SJPH). The visible display of the official halal label provides legal certainty and spiritual reassurance, effectively eliminating consumer doubt while significantly enhancing customer trust and loyalty. Furthermore, transparency regarding raw materials and friendly service serve as key supporting factors that reflect principles of openness, consumer protection, and the fulfillment of Maqashid Sharia in safeguarding religion (hifzh ad-din) and life (hifzh an-nafs).
The Influence Of Digital Financial Literacy And The Perception Of Convenience On The Interest Of Gen Z Using Qris From A Sharia Perspective Dede Ayu Rahmawaty; Gama Pratama; Muhammadun
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (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

Digital payment development has changed transaction behavior from cash toward technology based payments. QRIS is a digital payment instrument that allows transactions through various payment service providers. Generation Z is closely connected with digital technology and is therefore important in the development of cashless payments. This study aims to analyze the effect of digital financial literacy and perceived ease of use on Generation Z's intention to use QRIS in Cirebon Regency and to interpret the findings from an Islamic perspective. The study employed an associative quantitative approach using a survey. Data were collected through a five point Likert questionnaire from 100 respondents selected using purposive sampling. Multiple linear regression, t test, F test, and coefficient of determination were applied. The results show that digital financial literacy has a positive and significant effect on intention to use QRIS, with a t value of 4.322 and significance of 0.000. Perceived ease of use also has a positive and significant effect, with a t value of 8.668 and significance of 0.000. Simultaneously, both variables significantly affect intention to use QRIS, with an F value of 1324.160 and significance of 0.000. The R Square value of 0.965 indicates that 96.5 percent of the variation in intention to use QRIS is explained by the two variables. Perceived ease of use is the more dominant variable. From an Islamic perspective, QRIS may be used when transactions involve halal objects and uphold transparency, fairness, and avoidance of riba, gharar, and maysir
Sharia Marketing Strategy In Increasing Sales Volume In Msmes Bakso Bakar Cantika Cirebon Regency Dede Kuswandi; Gama Pratama; Muhammadun
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (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 growth of Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector has led to increasingly intense business competition. This situation compels business owners to adopt effective marketing strategies to ensure business continuity and boost sales volume. One applicable approach is the Sharia marketing strategy, which integrates the marketing mix concept with Islamic values. This study aims to analyze the implementation of Sharia marketing strategies at Bakso Bakar Cantika, identify the challenges faced in applying these strategies, and evaluate their alignment with Islamic business ethics. A qualitative method using a case study approach was employed. Data collection involved observation, in-depth interviews, and documentation. Research informants included the business owner, employees, and consumers, selected via purposive sampling. Data analysis utilized the Miles and Huberman model, involving data reduction, data display, and conclusion drawing. The results indicate that Bakso Bakar Cantika has implemented a Sharia marketing mix strategy by offering quality products, setting fair prices, selecting a strategic location, and conducting honest promotions. Challenges encountered include limited digital promotion, culinary business competition, and resource constraints. Service and promotional practices align with Islamic business ethics principles: shiddiq (truthfulness), amanah (trustworthiness), tabligh (transparency/communication), and fathanah (wisdom/intelligence). The implementation of Sharia marketing strategies has proven effective in enhancing consumer trust and positively impacting sales volume.

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