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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 197 Documents
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Analisis Pengaruh Pengetahuan Zakat dan Pendapat terhadap Minat Menunaikan Zakat Pertanian pada Petani Kopi Desa Blau Frediansyah, Andri; Arisandy, Yosy; Harpepen, Andi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): 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.v11i1.8847

Abstract

This study aims to determine the effect of zakat knowledge on interest in paying agricultural zakat, the effect of income on interest in paying agricultural zakat, the effect of zakat knowledge and income level simultaneously on interest in paying agricultural zakat, and the extent to which zakat knowledge and income influence interest in paying agricultural zakat among coffee farmers in Blau Village. This study used a quantitative research method using the Partial Least Squares (PLS) technique, including Outer Loading and Inner Loading tests. The sample size for this study was 30. The results showed that zakat knowledge did not influence coffee farmers' interest in paying agricultural zakat. Income level also did not influence coffee farmers' interest in paying agricultural zakat. Zakat knowledge (X1) and income level (X1) did not influence coffee farmers' interest in paying agricultural zakat (Y). The magnitude of the influence of these two variables on the dependent variable, interest in paying zakat, was 0.065. This shows that 6.5% of the variation in coffee farmers' interest in paying agricultural zakat, meanwhile, the remaining 93.5% is influenced by two other variables outside this research model.
Analisis Fatwa DSN-MUI No: 26/DSN-MUI/III/2002 Terhadap Implementasi Akad Rahn Emas pada Produk Gadai Emas Bank Syariah Indonesia KCP Medan Adam Malik Cahyani, Adelia; Zuhirsyan, Muhammad; Wathan, Hubbul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): 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.v11i1.9259

Abstract

The growth of the Islamic pawn industry demonstrates a significant contribution in supporting public access to financing, particularly through gold pawn products based on the Rahn contract. Bank Syariah Indonesia (BSI), as the largest Islamic bank in Indonesia, offers this product based on the DSN-MUI Fatwa No. 26/DSN-MUI/III/2002. This study aims to analyze the compliance of the implementation of the gold Rahn contract at BSI KCP Medan Adam Malik with the fatwa and identify substantive obstacles in practice. The study used a qualitative method with a case study approach through interviews, observation, and documentation. Respondents consisted of bank officers, customers, and representatives of the Indonesian Ulema Council (MUI). Data analysis was conducted descriptively qualitatively through reduction, presentation, and drawing conclusions. The results of the study indicate that structurally the implementation of the Rahn contract is in accordance with the fatwa provisions, as reflected in the Gold Pawn Proof Letter (SBGE) containing the Rahn contract, along with transaction details. However, there are substantive gaps. First, some officers misunderstand because they assume that the pawned gold belongs to the bank. Second, the determination of the Ujrah (usury) is based on business strategy and customer segmentation, not the actual storage costs, thus creating the potential for gharar (gharar) and resembling usury (riba). Third, customer education regarding the Ijarah contract is not optimal, particularly regarding the object of Ijarah. In conclusion, the implementation of the Rahn contract at BSI KCP Medan Adam Malik is normatively valid, but faces substantive challenges in terms of transparency, fairness, and understanding of the contract. This study recommends strengthening customer education, increasing staff capacity, and providing substantive oversight by the Sharia Supervisory Board.
Pengaruh Tarif Perdagangan, Nilai Tukar dan Produk Domestik Bruto Terhadap Ekspor Produk Pertanian Indonesia Ke 5 Negara Asean dalam Prespektif Ekonomi Islam Tahun 2015-2024 Setiani, Karina; Nuraziza, Sania; Kurniati, Erlin
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): 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.v11i1.9991

Abstract

Agricultural product exports are closely related to trade tariffs, exchange rates, and gross domestic product. This study aims to analyze the influence of trade tariffs, exchange rates, and gross domestic product on agricultural product exports to ASEAN countries from an Islamic economic perspective. The research method used in this study is quantitative, presented in the form of panel data from five ASEAN member countries with a purposive sampling technique in data selection. The results of this study indicate that the trade tariff variable has a negative and significant effect on Indonesian agricultural exports, the exchange rate variable has a negative and significant effect on Indonesian agricultural product exports, and the GDP variable has a positive and significant effect on Indonesian agricultural product exports. In Islamic economics, exports and international trade must be in accordance with sharia, emphasizing halal (permissible), justice, and blessings. Goods or services traded must be halal (permissible), beneficial, and not detrimental to society or the environment. Trade contracts must be transparent, free from usury, gharar (unlawful), and fraud, while sharf (sharf) is carried out in cash and clearly. Trade tariffs are permitted to protect domestic interests fairly. The Islamic economic approach assesses economic activity from the perspective of its benefits, blessings, and suitability to the maqashid al-shariah, not just GDP.
Pengaruh Digitalisasi Pengelolaan Zakat Terhadap Peningkatan Partisipasi Muzakki Rinaldi, Rival; Setiawan, Romi adetio; Syaifuddin, Syaifuddin
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): 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.v11i1.8913

Abstract

This study aims to determine the effect of zakat management digitalization on the increase in muzakki (zakat payer) participation at BAZNAS (National Zakat Agency) of Bengkulu Province. The research was motivated by the growing need to utilize digital technology to enhance the efficiency and effectiveness of zakat management. A quantitative approach with an associative descriptive method was employed. Data were collected through observation, documentation, and questionnaires distributed to 30 muzakki who had used BAZNAS's digital services. Data analysis was conducted using the Partial Least Square (PLS) method with the SmartPLS software. The findings revealed that the digitalization of zakat management does not have a significant effect on increasing muzakki participation. This indicates that although digital systems have been implemented, they are not sufficient on their own to boost participation. Other factors such as trust, digital literacy, and personalized or educational approaches may have a more substantial impact. The study recommends that BAZNAS improve its communication strategies, digital education, and community engagement to maximize the effectiveness of digital platforms.
Pengaruh Ketimpangan Pendapatan, Indeks Pembangunan Manusia, dan Tingkat Pengangguran Terbuka Terhadap Tingkat Kemiskinan pada 10 Provinsi di Indonesia Ditinjau dalam Perspektif Ekonomi Islam Tahun 2015-2024 Sari, Novita; Madnasir, Madnasir; Devi, Yulistia; Ulfah Saefurrohman, Ghina
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): 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.v11i1.10032

Abstract

In ten Indonesian provinces with the highest rates of poverty between 2015 and 2024, this study looked at the impact of open unemployment, income inequality, and the Human Development Index (HDI) on poverty. As part of a quantitative technique, this analysis makes use of panel data from Central Statistics Agency publications. After all collected data was analyzed using the panel data regression approach, tests conducted using the Eviews 12 application revealed that the Fixed Effect Model (FEM) was the best specification.  The results show that income inequality has a major impact on rising rates of poverty.  However, the HDI variable's positive but insignificant correlation shows that improvements in human development quality have not directly impacted the decline in poverty in these areas. In addition, the open unemployment rate was also not proven to affect changes in poverty levels. In the context of Islamic economics, equitable distribution of wealth, protection for vulnerable groups, and optimization of social instruments such as zakat, infaq, and sadaqah are crucial principles in maintaining economic justice.
Strategi Pemasaran Bank Syari’ah Berbasis Digital Fintech terhadap Pelayanan Nasabah Bank BTN Syariah Bengkulu Sintia, Selfi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): 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.v11i1.10214

Abstract

This research aims to examine the marketing strategy implemented by Bank Tabungan Negara (BTN) Syariah Bengkulu in implementing digital fintech services and the extent to which sharia values are integrated into it. Using a qualitative approach, this study found that BTN Syariah Bengkulu has succeeded in adopting a comprehensive marketing strategy, including market segmentation based on demographics, geography and psychography, as well as strengthening promotions through digital services such as BTNS Mobile, Virtual Account and QRIS. The results show a high level of customer satisfaction with the practicality and security of digital services, despite facing challenges such as gaps in technological understanding among elderly customers and technical obstacles. The Bank proactively addresses these obstacles through education and system improvements. In addition, the implementation of sharia values, especially in the brand, service and process aspects, is the main foundation that strengthens the bank's identity. Consistency in maintaining the principles of shidq (honesty), ′adl (justice) and maslahah (kindness) not only makes BTN Syariah Bengkulu modern and competitive, but also confirms its position as a banking institution that adheres to Islamic principles.
Revolusi Intelektual Ekonomi Islam 1960–1980: Arah Baru Kelahiran Paradigma Ekonomi Syariah Modern Fayzul Hayat, Saeed; Parakkasi, Idris; Fatimah, Fatimah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): 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.v11i1.10165

Abstract

This study aims to provide a comprehensive analysis of the emergence of the modern Islamic economic paradigm during the critical period of 1960–1980. Specifically, the research examines how global ideological crises, the resurgence of Islamic intellectual thought, and the institutionalization of Islamic financial entities jointly contributed to shaping the foundations of contemporary Islamic economics. Employing a qualitative approach with a historical-critical design, the study utilizes an in-depth literature-based data collection method, drawing from seminal works of major Islamic economic thinkers such as Mawdudi, al-Sadr, Siddiqi, Khurshid Ahmad, and Chapra, alongside key historical documents including the archives of Mit Ghamr, Dubai Islamic Bank, and the Islamic Development Bank. Data were analyzed using content analysis, discourse analysis, and historical interpretation to identify conceptual patterns, socio-political contexts, and institutional developments that characterized the era. The findings reveal that the period of 1960–1980 marked a pivotal epistemological transformation from normative Islamic economic discourse to a more structured scientific discipline. It also witnessed the emergence of modern Islamic financial instruments and the consolidation of the Islamic economic paradigm through international institutional development. These results demonstrate that the birth of modern Islamic economics is the outcome of a dynamic interplay between ideas, institutions, and global transformations.

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