cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Noval Maliki
Contact Email
jieljurnal@gmail.com
Phone
6282258121509
Journal Mail Official
jieljurnal@gmail.com
Editorial Address
Blok Sumur Bata, RT/RW 02/02, Desa Gintung Tengah, Kecamatan Ciwaringin, Kabupaten Cirebon
Location
Kab. cirebon,
Jawa barat
INDONESIA
Journal of Islamic Economic and Law (JIEL)
Published by CV. Kalimasada Group
ISSN : -     EISSN : 30629853     DOI : 10.59966
Core Subject : Economy, Social,
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
Focus and Scope Journal of Islamic Economic and Law (JIEL) adalah jurnal ilmiah yang berfokus pada kajian teoritis dan empiris seputar bisnis, keuangan, dan perbankan syariah. Jurnal ini bertujuan menjadi wadah publikasi hasil penelitian, pemikiran kritis, serta inovasi dalam praktik bisnis berbasis syariah yang relevan dengan perkembangan zaman. Cakupan kajian (scope) jurnal ini meliputi, tetapi tidak terbatas pada: Bisnis dan Kewirausahaan Syariah Kajian tentang praktik usaha berbasis syariah, UMKM halal, model bisnis Islami, serta inovasi dalam kewirausahaan syariah. Perbankan dan Keuangan Syariah Studi tentang produk, layanan, sistem manajemen risiko, serta efisiensi dan keberlanjutan lembaga keuangan syariah. Manajemen dan Akuntansi Syariah Pembahasan mengenai pelaporan keuangan, akuntabilitas, dan sistem manajemen sesuai prinsip syariah. Ekonomi Islam Makro dan Mikro Kajian tentang distribusi kekayaan, pembangunan ekonomi berbasis syariah, serta teori dan kebijakan ekonomi Islam. Inovasi Digital dalam Keuangan Syariah Fintech syariah, sistem pembayaran digital, dan integrasi teknologi dalam layanan keuangan Islami. Etika Bisnis Islam dan Good Governance Nilai-nilai etika dan moral dalam praktik bisnis dan manajemen organisasi berbasis prinsip syariah. Investasi Syariah dan Pasar Modal Islam Penelitian terkait sukuk, saham syariah, indeks pasar syariah, dan portofolio investasi Islami. Hukum dan Regulasi Keuangan Syariah Analisis terhadap fatwa, peraturan, serta kebijakan hukum dalam pengelolaan bisnis dan keuangan syariah.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 32 Documents
 1   2   3   4 
SISTEM MONOPOLI MENURUT PANDANGAN YUSUF QARDHAWI DALAM KITAB HALAL HARAM FIL ISLAM DITINJAU DALAM PERSPEKTIF EKONOMI SYARIAH Alti Pidola, Viras; Arfah; Nurhaida
Journal of Islamic Economic and Law (JIEL) Vol. 1 No. 2 (2024): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i1.1731

Abstract

The Monopoly System According to Yusuf Qardhawi’s Perspective in the Book Halal wa Haram fil Islam. The concept found in this study is that monopoly can be either permissible or impermissible. Thus, there is a distinction between monopoly and hoarding. In Islam, storing goods for inventory purposes is not considered haram as long as it does not disrupt market mechanisms. This study employs library research, which is conducted using literature sources such as books, journals, notes, and reports from previous studies. Therefore, this type of research aims to examine the ideas, perspectives, and views on monopoly as expressed by Yusuf Qardhawi in his book Halal wa Haram fil Islam. The results of this study explore Yusuf Qardhawi’s view on monopolistic practices and how monopoly is perceived within Islamic economics. According to Yusuf Qardhawi, monopoly involves withholding goods from market circulation to raise prices. He prohibits monopolizing all essential human needs and states that this prohibition applies at all times, without distinguishing between times of scarcity and times of surplus. The study concludes that monopoly practices are acts that are forbidden and haram in Islam, as such practices can harm society by potentially causing economic crises and making essential goods difficult to obtain. However, in Islam, the concept of hoarding for the benefit of the ummah is permissible by scholars—provided that the goods are sold at fair prices.
Efektivitas Pengelolaan Badan Usaha Milik Desa (BUMDes) Dalam Meningkatkan Ekonomi Masyarakat Desa Serumpun Jaya Ditinjau Dari Perspektif Ekonomi Syariah Anggraini, Ayu; Alti Pidola, Viras
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1752

Abstract

Village-Owned Enterprises (BUMDes) serve as a strategic instrument in rural economic development, aiming to improve community welfare through the management of local potential. However, in practice, many BUMDes have not demonstrated optimal performance due to weak governance, low community participation, and insufficient application of Islamic economic principles as foundational values. This study aims to analyze the effectiveness of the management of BUMDes Jaya Bersama in improving the economy of the Serumpun Jaya village community from an Islamic economic perspective. This research employs a qualitative approach with data collection techniques including observation, interviews, and documentation. The results of the observation indicate that the effectiveness of BUMDes Jaya Bersama’s management falls into the “less optimal” category, with an implementation rate of 57.1%. Interview findings reveal that the management has incorporated principles such as cooperation, participation, emancipation, transparency, accountability, and sustainability. However, the application of Islamic economic principles—such as justice, honesty, transparency, and the avoidance of usury (riba)—has not been fully understood or consistently implemented by all administrators and the community.Factors influencing the effectiveness of BUMDes include community participation, human resource capacity, planning and evaluation systems, and information transparency. The conclusion of this study indicates that although BUMDes Jaya Bersama has made efforts to fulfill its role, improvements in governance and the comprehensive integration of Islamic values are still necessary to promote the village's economic independence.
Analisis Pengaruh Tingkat Suku Bunga Dan Jangka Waktu Pinjaman Terhadap Permintaan Kredit Pada Koperasi Unit Desa Periode 2020-2024 Nawang Kinasih, Mellya; Alti Pidola, Viras
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1762

Abstract

Village Unit Cooperatives (KUD) play a significant role in the rural economy of Indonesia, particularly by providing financial access to members who often face barriers in accessing formal financial institutions. One of the crucial functions of KUD is credit distribution, which enables members to develop micro-enterprises, agricultural activities, and fulfill consumptive needs. The interest rate is the compensation paid for the use of borrowed funds, while the loan term refers to the agreed period between the creditor and the debtor for repaying both principal and interest. Credit refers to the provision of money or claims that can be equated to money. This study aims to analyze the effect of interest rates and loan terms on credit demand at the KUD Mekar Abadi in Tasik Juang Village during the 2020–2024 period. Using a quantitative approach with multiple linear regression analysis, a sample of 78 respondents was selected from a population of 356 cooperative members. The regression test results indicate that both independent variables—interest rate and loan term—significantly affect credit demand. The t-test shows that the interest rate (X1) has a significance value of 0.000 with a t-value of 74.541 > t-table 1.992, while the loan term (X2) is also significant with a t-value of 4.175 > t-table. The F-test shows an F-value of 2786.918 > F-table 3.114 with a significance level of 0.000. The coefficient of determination (R²) is 0.987, indicating that 98.7% of the variation in credit demand is explained by the two variables. The data also passed the normality test and showed no signs of heteroscedasticity. These findings emphasize the importance of interest rate and loan term policies in influencing rural community credit demand.
Analisis Implementasi Penyusunan Laporan Keuangan Pada Usaha Mikro Kecil Dan Menengah (Umkm) Ramp Kelapa Sawit Fjb Group Berdasarkan (Standar Akuntansi Keuangan Entitas Mikro Kecil Dan Menengah (Sak Emkm) Susan Oktaviani, Prita; Alti Pidola, Viras
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1763

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a vital pillar of Indonesia's economy, playing a key role in job creation and contributing significantly to the Gross Domestic Product (GDP). However, despite their great potential, most MSMEs still face challenges in financial management, particularly in preparing financial reports that comply with applicable standards. Many MSME actors rely only on simple record-keeping without referring to established accounting standards.To address this issue, the Financial Accounting Standards Board (DSAK) and the Indonesian Institute of Accountants (IAI) issued the Financial Accounting Standards for Micro, Small, and Medium Entities (SAK EMKM) in 2018. SAK EMKM is designed to enable MSMEs to prepare financial reports that are simple, yet informative and compliant with standards. This study aims to analyze the implementation of financial reporting at the FJB Group Palm Oil Ramp MSME located in Block E, Seresam Village, Seberida District, Indragiri Hulu Regency, based on the SAK EMKM. The study uses a descriptive qualitative method through observation, interviews, and documentation techniques. The results show that the FJB Group MSME has not yet applied financial reporting in accordance with SAK EMKM standards. The financial records are still maintained manually and limited to daily income and expenditure, without preparing a proper balance sheet or income statement. The main obstacles in implementing this standard are limited accounting knowledge and a lack of competent human resources in the field of finance.This study recommends SAK EMKM-based accounting training and support from the government and other stakeholders to improve financial literacy among MSME actors. The adoption of these accounting standards is expected to improve the accuracy of financial reports and support better business decision-making.
Pengaruh Kualitas Produk Dan Harga Terhadap Kepuasan Pelanggan Usaha Keripik Singkong Kube Serumpun Kesumawati, Maya; Alti Pidola, Viras
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1785

Abstract

Product quality is the ability of a product to perform its functions including performance, features, reliability, suitability, durability, aesthetics. Price is the amount of money that consumers exchange for the benefits of owning or using products and services. Customer satisfaction is a feeling of pleasure or disappointment that arises after comparing the estimated product performance with the expected performance. The study aims to determine the quality of the product and price on customer satisfaction in buying cassava chips kube serumpun. This study uses a quantitative research method that has 2 (two) variables, namely independent and dependent. The sampling technique uses the lemeshow formula with the accidental sampling method. Based on the results of research that has been conducted by researchers that product quality has a positive effect on customer satisfaction in buying cassava chips as evidenced by the t test which can be seen from the calculated t value of 4.325> t table 1.985 and has a sig of 0.00 <0.05. the price variable does not affect the customer satisfaction variable in buying cassava chips kube serumpun. This is proven by the t-test -2.950 <1.985 and has a sig of 0.06>0.05. for the determination coefficient test (R2) explains that product quality and price have a very strong influence on customer satisfaction in buying cassava chips kube serumpun by 71.7% while the remaining 28.3% is influenced by other variables.
Pengaruh Sertifikasi Halal Self Declare, Branding, Kreativitas Produk Terhadap Keberhasilan Usaha Kuliner di Teras Malioboro Yogyakarta Afifah, Nada; Kamal, Al Haq; Istiqomah Sujono, Rusny; Yunadi, Ahmad
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1873

Abstract

The culinary industry in Teras Malioboro Yogyakarta is growing rapidly along with the increasing halal tourism. Halal certification self-declare, branding, and product creativity are important factors that influence the success of culinary businesses in facing competition and meeting Muslim consumer preferences. This study aims to analyze the effect of halal certification halal self-declaration, branding, and product creativity on the success of culinary businesses in the Malioboro Terrace area of Yogyakarta. The approach approach used is quantitative with multiple linear regression analysis method. Data obtained through distributing questionnaires to 40 culinary business actors who have met certain criteria, such as having culinary business actors who have met certain criteria, such as already having self-declare halal certification and operating for at least one year. The results The analysis shows that the variables of self-declare halal certification, branding, and product creativity partially and simultaneously have a significant effect on business success. Halal certification provides legal certainty and increase consumer confidence. Strong branding contributes to product product differentiation, while product creativity drives innovation and competitive advantage. These findings provide important implications for culinary venture, local governments, and other stakeholders in formulating strategies for the development of sharia-based development of sharia value-based culinary businesses in the leading tourist areas of Yogyakarta.
Pengaruh Literasi Halal, Sertifikasi Halal, Ingredients, dan Kualitas Produk Terhadap Keputusan Pembelian pada Produk Food and Beverage di Kompleks Wisata Yogyakarta Gita Nika, Dila; Kamal, Al Haq; Wahyu Wibowo, Febrian; Yunadi, Ahmad
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1874

Abstract

The increasing awareness of the Muslim community on the importance of halal products encourages the need for assurance of halal aspects in food and beverage consumption, especially in tourist areas such as the Yogyakarta Palace. In this context, halal literacy, halal certification, information on ingredients, and product quality are important factors that influence consumer purchasing decisions. This study aims to analyze the influence of halal literacy, halal certification, ingredients, and product quality on purchasing decisions for food and beverage (F&B) products among visitors to the Yogyakarta Palace Tourism Complex. The background of this study is based on the importance of fulfilling halal aspects in the consumption of Indonesian Muslim society, especially in the era of globalization that demands caution in choosing food and beverage products. The research method used is quantitative with data collection techniques through questionnaires to 100 respondents. Data were analyzed using multiple linear regression and classical assumption tests through SPSS software. The results of the study showed that simultaneously, the four independent variables had a significant effect on purchasing decisions. Partially, the variables halal literacy, halal certification, and product quality had a positive and significant effect, while the ingredients variable showed an insignificant effect. This study provides important implications for business actors and certification institutions to improve consumer education and ensure the clarity and authenticity of halal certification on F&B products.
Pengaruh Penggunaan Fintech Payment dan Financial Knowledge terhadap Financial Management Behavior pada Pelajar Muslim di Yogyakarta Himatul Muna, Nur; Ismiati, Baiq; Wahyu Wibowo, Febrian; Kamal, Al Haq
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1875

Abstract

The development of digital financial technology (fintech) has influenced the way students manage their finances, including making payments and daily transactions. However, without adequate financial knowledge, the use of fintech can trigger consumer behavior. Therefore, it is important to examine the extent to which the use of fintech and financial literacy influence financial management behavior among Muslim students. This study aims to examine the influence of Fintech Payment and Financial Knowledge on the Financial Management Behavior of Muslim students in Yogyakarta. The research employed a quantitative approach and utilized a questionnaire as the data collection instrument, with a sample of 100 respondents. Data analysis was conducted using multiple linear regression with SPSS version 22. The results indicate that both Fintech Payment and Financial Knowledge have a significant effect on Financial Management Behavior. These findings emphasize the importance of utilizing financial technology and financial literacy from an early age to foster healthy financial behavior.
Telaah Hukum Sewa Rumah Kontrakan dalam Perspektif Islam: Studi Konseptual Akad Ijarah dan Implikasinya Ma, Ananda; Sargini; Jauharudin
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1923

Abstract

The practice of renting out rented houses often raises legal issues, such as the unclear contract and the responsibilities of the parties involved, so it is important to study it from an Islamic legal perspective through the concept of the ijarah contract. This study aims to examine the practice of house rental contracts from the perspective of Islamic law, focusing on the concept of the ijarah contract and the principles of muamalah. The methodology employed is a literature review, which involves collecting information from classical Islamic jurisprudence, fatwas, academic journals, and relevant legal regulations. The findings indicate that the ijarah contract is recognized as a valid transaction in Islam, provided it fulfills the necessary pillars and conditions, such as clarity of the object, mutual consent (ijab and qabul), and agreement on compensation. However, in practical applications, several issues often arise, such as unwritten contracts, unclear responsibilities, and unjust pricing. Therefore, the implementation of sharia principles-such as justice, transparency, and mutual consent is crucial. This study recommends the formulation of written agreements and the integration of sharia principles into national legal frameworks to promote fair and sustainable rental transactions.
Analisis Prinsip 5C untuk Meminimalisir Kredit Macet pada BUMDEsa Amanah Perspektif Syariah di Desa Bukit Gajah Sulistiya, Anisa; Prima Aldi, Muli; Alti Pidola, Viras; Widiyan, Tika
Journal of Islamic Economic and Law (JIEL) Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/jiel.v2i2.1910

Abstract

Bad debts are a serious problem in the management of BUMDEsa, so the application of the 5C principle is needed to assess the eligibility of prospective debtors and maintain the sustainability of financing. This study aims to analyze the application of the 5C principle in minimizing bad debts at BUMDEsa Amanah Desa Bukit Gajah as an effort to maintain the sustainability of financing. This type of research is qualitative. Data collection techniques, namely using observation, interviews, documentation. Data were obtained from the results of observations, interviews, and documentation. Based on the data collected starting from the results of observations, it can present the answer "yes" to the observation: 60%. Thus it can be concluded that analyzing the application of the 5C principle to minimize bad debts in village-owned enterprises(BUMDEsa) Amanah Bukit Gajah Village is categorized as Quite Optimal because it is 41% -60%. This result of a study that illustrates the importance of implementing the 5 C principle before providing credit to customers. To gain confidence and financing interests, financing must conduct a thorough assessment of character, ability, capital, collateral and economic conditions known as "5 C".

Page 3 of 4 | Total Record : 32

 1   2   3   4 

Filter by Year

2024 2025


Reset
Filter By Issues
All Issue Vol. 2 No. 2 (2025): JIEL : Journal of Islamic Economic and Law Vol. 2 No. 1 (2025): JIEL : Journal of Islamic Economic and Law Vol. 1 No. 2 (2024): JIEL : Journal of Islamic Economic and Law Vol. 1 No. 1 (2024): JIEL : Journal of Islamic Economic and Law