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BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Published by Universitas Islam Negeri Fatmawati Sukarno Bengkulu
ISSN : 27274163     EISSN : 2654332X     DOI : 10.29300/ba.v9i1.XXX
Core Subject : Religion, Economy, Education,
Religion Economics, Econometrics & Finance Education Other
This journal is an electronic scientific journal focused on advancing knowledge in the fields of Islamic economics and banking. It publishes research articles, theoretical studies, and practical analyses covering topics such as Islamic finance, Islamic banking, halal investment, macro- and microeconomics based on Sharia principles, as well as economic policies aligned with Islamic law. By presenting high-quality scholarly works, Baabu Ilmi aims to serve as a platform for academic discussion and a valuable reference for researchers, academics, practitioners, and policymakers interested in the development of Islamic economics and banking.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 15 Documents
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Search results for , issue "Vol 10, No 2 (2025): Islamic economics and banking research" : 15 Documents clear
Mengkaji Relevansi Etika Pemasaran Bank Syariah Di Era Marketing Digital Rani Putri Praduita Asmara, Andry; Adetio, Romi; Sumarni, Yenti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8512

Abstract

This research examines the relevance of Islamic banks' marketing ethics in the era of digital marketing, which is characterized by global connectivity, rapid information access, interactivity, and personalization. The development of digital technology has brought fundamental changes in the way banks interact with customers, with the adoption of social media, e-commerce, big data, and artificial intelligence for more interactive and personalized marketing. While offering efficiency and wide market reach, the digital era also presents ethical challenges, including issues of data privacy, information transparency, and potential manipulation of consumer behavior. This study analyzes how sharia marketing ethics, with its basic principles such as honesty (shiddiq), trustworthiness (amanah), justice (adl), and sharia compliance (ittiba' al-shariah), remains highly relevant and even crucial to maintain trust amidst the torrent of digital information that is often manipulative. The theoretical study includes the relevance of ethics in general, conventional marketing ethics, sharia marketing ethics in depth, as well as the concept of marketing digitalization and its weaknesses and advantages. The results show that sharia marketing in the digital era has high relevance because it is able to answer the challenges of the times without sacrificing the principles of sharia. Islamic ethical values become a strong foundation in dealing with potential ethical deviations in the digital space, such as misleading advertisements, data exploitation, and promos.
Persepsi Masyarakat Etnis Cina Non-Muslim Terhadap Perbankan Syariah (Studi Masyarakat Kampung Cina Kota Bengkulu) Rifqi Maycelino, Faishal; adetio Setiawan, Romi; Cahyono, Andi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8417

Abstract

Abstract. This study aims to determine the perception of non-Muslim Chinese ethnic communities towards Islamic banking, especially the community in Kampung Cina, Bengkulu City. The method used is a descriptive qualitative approach with in-depth interview techniques with ten informants. The results of the study indicate that the majority of the community is aware of the existence of Islamic banking and understand that the service is open to all groups. However, their level of understanding of the principles and systems of Islamic banking is still low. This low level of understanding is caused by minimal socialization and limited facilities and services. In addition, most people feel that their financial needs have been met by conventional banks. This study recommends increasing socialization and expanding services to increase the inclusiveness of Islamic banking.
Pengaruh Label Halal, Kepercayaan Merek, Dan Celebrity Endorser Terhadap Keputusan Pembelian Konsumen Muslim Pada Produk Kosmetik Make Over Di Jawa Timur Salsabila, Zakiya Jihan; Suryaningsih, Sri Abidah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8580

Abstract

Penelitian ini mengkaji pengaruh label halal, kepercayaan merek, dan celebrity endorser terhadap keputusan pembelian konsumen Muslim pada produk kosmetik Make Over di Jawa Timur. Dengan populasi Muslim yang besar, pemahaman tentang faktor-faktor ini menjadi penting untuk strategi pemasaran yang efektif. Tujuan penelitian ini adalah untuk mengidentifikasi seberapa besar pengaruh ketiga variabel tersebut terhadap keputusan pembelian. Metodologi yang digunakan adalah pendekatan kuantitatif dengan pengumpulan data melalui kuesioner yang disebarkan kepada 112 responden. Analisis data dilakukan menggunakan regresi linier berganda melalui SPSS. Hasilnya menunjukkan bahwa kepercayaan merek dan celebrity endorser berpengaruh positif terhadap keputusan pembelian, sementara label halal tidak menunjukkan pengaruh. Temuan ini memberikan wawasan bagi perusahaan untuk lebih fokus pada peningkatan kepercayaan konsumen dan pemilihan endorser yang tepat dalam strategi pemasaran mereka.
Hubungan Kepuasan Konsumen Terhadap Pelayanan Bengkel Motor di Desa Kasiyan Wahid Aljauzi, M Nur Rafli; Iwan Musthofa Habibullah, Dovi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8785

Abstract

The motorbike repair shop services in East Kasiyan village show differences in the level of customer satisfaction. People who depend on motorbike repair shops for motor vehicle maintenance and repair often judge the quality of the services provided based on several factors, such as technician skills, service times, and available facilities. This research aims to analyze the level of consumer satisfaction with motorbike repair services in East Kasiyan Village, as well as identifying the factors that influence this satisfaction. The research results show that the quality of technicians and service time are the main factors that influence the level of consumer satisfaction. Most customers are satisfied with the results of repairs, however there are several complaints regarding workshop facilities and service prices which are considered high. This research provides new findings regarding the importance of comfort and price aspects in determining consumer satisfaction in rural areas. The novelty of this research lies in an in-depth analysis of the factors that influence customer satisfaction in village motorbike repair shops which may not have been widely researched before.
Pengaruh Efisiensi, Literasi Finansial, dan Digital Capability Terhadap Tendensi Penggunaan Digital Payment (E-Wallet) pada Mahasiswa Universitas Qomaruddin Gresik Lutfi, Lutfi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8388

Abstract

In today's era, technological developments are very beneficial for humans in carrying out their activities. One technology that can make it easier for humans to shop is e-wallet. This research purposes to reveal the partial and simultaneous effects of efficiency, financial literacy, digital capabilities on the tendency to use digital payments (e-wallet) among students of Qomaruddin Gresik University. This study is included in the quantitative type. The technique for sampling used is probability sampling through simple random sampling. Respondents in this research were students of Qomaruddin Gresik University. Data analysis techniques were carried out using multiple linear regression tests, and hypothesis tests (T test and F test). The research results showed that partially the variables of efficiency, financial literacy, digital capabilities have a positive and significant effect on the tendency to use digital payments (e-wallet). Furthermore, simultaneously the variables of efficiency, financial literacy, and digital capabilities simultaneously have a positive and significant effect on the tendency to use digital payments (e-wallet). Based on the results of the determination coefficient test (R2), it is known that efficiency, financial literacy, and digital capability influence the tendency to use digital payments (e-wallets) among students at Qomaruddin Gresik University by 80.5%, while the remaining 19.5% is impacted by other variables not discussed in this research.
Analisis Hukum Ekonomi Syariah Terhadap Pembayaran Zakat Mengunakan Cryptocurrency Hasanudin, Ade; Bahren, Rina Susanti Abidin; Nuroni, Abdul Muiz
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8677

Abstract

Zakat payment using cryptocurrency is an increasingly relevant topic along with the development of digital technology. In the context of sharia economic law, zakat is an obligation that must be fulfilled by every qualified Muslim, including cryptocurrency owners. This article analyzes how cryptocurrency is positioned as an asset that meets the criteria for assets that must be zakatable in Islamic law, as well as the legal and social implications of cryptocurrency-based zakat payments. By utilizing the blockchain technology that underlies cryptocurrency, zakat payments can be made more efficiently, transparently, and quickly, allowing for a fairer and more equitable distribution to mustahiq. Despite challenges related to regulation and legal understanding, this article concludes that cryptocurrency zakat has great potential in strengthening the Muslim economy, as long as it is supported by the right policies and education for the community.
Pengaruh Kompetensi Tenaga Penjual, Kualitas Pelayanan, Penanganan Komplain, dan Citra Perusahaan Terhadap Loyalitas Nasabah Asuransi Ramadhani, Ela; Maidalena, Maidalena; Ahmadi Bi Rahmani, Nur
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8755

Abstract

The purpose of this study was to investigate the effect of salesperson competence, service quality, complaint handling and company image on customer loyalty at PT AJS Bumiputera Medan City Branch. The research was conducted using primary data. The population in this study were all employees of  PT AJS Bumiputera Medan City Branch totaling 238 customer with the technique used purposive sampling, namely a sample of 70 respondents. The data collection used a questionnaire. Testing using multiple linear regression analysis and classical assumption tests and data quality tests. The results of the study concluded that service quality, salesperson competence and customer image have a positive effect on customer loyalty, and complaint handling has a negative effect on customer loyalty in PT AJS Bumiputera Medan City Branch . Simultaneously salesperson competence, service quality, complaint handling and company image affect customer loyalty where F count 13.069 > F tabel 2,511. Then the R Square value is 0.446 or 44.6%.
Analisis Faktor-Faktor yang Mempengaruhi Penerapan Standar Akuntansi Keuangan dalam Penyusunan Laporan Keuangan Niken Lestari, Onnika; Arnova, Iwin; Herawati, Helmi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8497

Abstract

This study aims to determine whether there is an influence of human resource competence, information technology, and management commitment on the preparation of financial reports. The type of data in this study is quantitative research, with the data source in this study being primary data obtained directly from respondents through distributing questionnaires to employees. The population in this study were all employees working at PT Palma Mas Sejati, totaling 76 people with various fields of duties and responsibilities. The sample taken by researchers in this study was 35 employees. The independent variable in this study is the preparation of financial reports, the dependent variable is human resource competence, information technology, and management commitment. The results of the study show that human resource competence, information technology and management commitment have an effect on the preparation of financial reports of PT Palma Mas Sejati, Talang Empat Village, Central Bengkulu Regency. This can be shown from the significant value below 0.05 (5%). Human resource competency, information technology, and management commitment simultaneously (together) influence the preparation of financial reports of PT Palma Mas Sejati, Talang Empat Village, Central Bengkulu Regency. This is indicated by the value below 0.05 (5%). The results of this study are expected to be input for companies in improving the quality of financial report preparation by strengthening human resource competencies, more optimal use of information technology, and increasing management commitment in implementing Financial Accounting Standards.
Pengelolaan Zakat dalam Meningkatkan Kesejahteraan Sosial di wilayah Tertinggal: Analisis Program Kampung Zakat di Besole Tulungagung Bariroh, Muflihatul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.7113

Abstract

The optimization of the Zakat Village program in Besole, Tulungagung, becomes a crucial solution in improving education and social welfare for the local community. This study examines the implementation of the Zakat Village program in Besole, Tulungagung, including the challenges faced, as well as the supporting and inhibiting factors for the success of the program. As a social instrument, zakat holds significant potential in community empowerment, particularly in underdeveloped areas. The programs carried out include the provision of scholarships, tutoring, and capital assistance for local-based businesses, which have proven to improve access to education and increase the income of the community. The success of this program heavily depends on solid collaboration between the managers, government, and the community, as well as active participation from all related parties. However, several challenges such as a lack of understanding of productive zakat, reporting responsibilities, and limited funding remain obstacles that need to be addressed. With a participatory approach, it is hoped that the Zakat Village can continue to advance with innovative programs and have a more significant positive impact. It is expected that this study can contribute substantially to the management of zakat as an effective social empowerment tool and enrich the literature on zakat management. The results of this study can serve as a reference for zakat managers in designing more innovative and sustainable programs to improve the welfare of communities in Tulungagung and other regions. 
Pengaruh Social Media Marketing, Orientasi Kewirausahaan Dan Label Halal Produk Terhadap Keunggulan Bersaing Umkm Sektor Kuliner Di Jombang Apriliyana, Yeni; Nurafini, Fira
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i2.8800

Abstract

This study investigates the influence of social media marketing, entrepreneurial orientation, and halal product labeling on the competitive advantage of culinary Micro, Small, and Medium Enterprises (MSMEs) in Jombang Regency, Indonesia. Employing a quantitative research design with a purposive sampling technique, this study involved 105 culinary MSMEs that have obtained halal certification and actively utilize social media platforms for marketing purposes. Primary data were collected through an online questionnaire distributed via Google Forms and processed using SPSS software. The findings reveal that social media marketing, entrepreneurial orientation, and halal product labeling each exert a positive and significant effect, both partially and simultaneously, on the competitive advantage of culinary MSMEs in Jombang. These results underscore the importance of optimizing digital marketing strategies, fostering a strong entrepreneurial mindset, and adhering to halal certification standards as integrated efforts to enhance the sustainable competitive edge of culinary MSMEs.

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