cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Herlina Yustati
Contact Email
baabu.alilmi@mail.uinfasbengkulu.ac.id
Phone
-
Journal Mail Official
herlina.yustati@mail.uinfasbengkulu.ac.id
Editorial Address
Jl. Raden Fatah, Pagar Dewa Kota Bengkulu 38211 Bengkulu, Sumatra Indonesia
Location
Kota bengkulu,
Bengkulu
INDONESIA
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 215 Documents
 18   19   20   21   22 
Pengaruh Literasi Keuangan Syariah dan Kemudahan Terhadap Penggunaan Mobile Banking Syariah di Masyarakat Desa Bapangan Kecamatan Jepara Rita Dwi Octavia; Wahidullah Wahidullah; Ahmad Fauzan Mubarok
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.10695

Abstract

This study aims to analyze the influence of Islamic financial literacy and ease of use on the adoption of Islamic mobile banking in the community of Bapangan Village, Jepara District. The background for this research is the relatively low adoption rate of Islamic mobile banking despite its significant potential, which is presumed to be influenced by understanding (literacy) and technological ease of use. This research employed a quantitative approach. The research sample consisted of 98 respondents who are customers of Islamic banks in Bapangan Village, selected using a purposive sampling technique. Data was collected via questionnaires and analyzed using multiple linear regression. The results showed that: (1) Islamic financial literacy has a positive and significant effect on the adoption of Islamic mobile banking (Sig. 0.000); (2) Ease of use has a positive and significant effect on the adoption of Islamic mobile banking (Sig. 0.000); and (3) Islamic financial literacy and ease of use simultaneously have a positive and significant effect on the adoption of Islamic mobile banking (Sig. 0.000). The Adjusted R Square value of 0.894 indicates that 89.4% of the variation in Islamic mobile banking adoption can be explained by these two variables. These findings imply that enhancing literacy and optimizing application usability are key factors in driving the adoption of Islamic digital banking services.
Determinan Minat Beli Asuransi Jiwa Syariah Pada Kalangan Generasi Milenial Di Kota Surakarta Kamelya Azzahra; Mufti Arief Arfiansyah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.10687

Abstract

Sharia compliant life insurance stands out as a really great way to handle your money. It is seen as very valuable because it fits with the sharia law rules and pushes the idea of those in the insurance plan supporting one another. However, the community looks at some important things when trying to get millennials in Surakarta City more keen on purchasing sharia life insurance choices. The things that were looked at are how big the contribution amounts are, what good things the insurance covers, how it is promoted, understanding what it is, and everyone's thoughts when considering how interested they might be. The main focus of this study is on purchase intent, which is seen as the thing being impacted. This research uses a numerical method, with information gathered from surveying 100 millennials between 30 and 44 years old in Surakarta City, chosen through a method that picks people randomly. The data was processed and checked using SPSS 25 software for running tests. The samples were checked to see if they measure things properly and how consistent they are by using tests to check for validity and reliability. After this, some linear regression analyses are done, along with tests to make sure standard statistical assumptions are correct, separate assessments (t-tests), combined evaluations (F-tests), and numbers showing how well the model fits the data. The study's findings show that fund contributions and personal opinions affect whether they plan to buy. In the meantime, insurance payouts, job advancement, and understanding products don't have much impact on their own. But all the different things together do change how likely people are to buy Sharia life insurance. This work should help with making good marketing plans for Sharia life insurance businesses that fit with Sharia beliefs and rules. The main aim here is to see what makes young adults in Surakarta think about getting Sharia life insurance.
Kualitas Good Corporate Governance Dalam Meningkatkan Profitabilitas Bank Syariah Indonesia Periode 2021-2023 Valentina, Bunga; Yunarsih, Asni; Mustofa, Choirul
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.v11i1.7684

Abstract

This study aims to determine the quality of good corporate governance (GCG) implementation in increasing profitability (ROA) at Bank Sharia Indonesia (BSI) during the 2021-2023 period. This study uses a qualitative descriptive approach to deeply understand how GCG practices and policies are implemented and their contribution to bank profitability. This approach was chosen because it can explore factors influencing GCG implementation and the relationship between GCG policies and BSI financial performance. This study also uses literature studies referring to agency theory and signals to analyze the literature related to GCG and bank financial performance, and to identify inaccuracies in existing research. The results show that the implementation of good GCG principles has a positive effect on increasing return on assets (ROA) at BSI, reflecting operational efficiency and improved risk management, as well as GCG contribution to the profitability of Bank Sharia Indonesia.
Implementation of Social Capital Contribution of Rice Farmers in Meeting Household Needs (Case Study of Sungkai Selatan District, North Lampung Regency) from an Islamic Economic Perspective Anggun Lestari; Fatih Fuadi; Alief Rakhman Setyanto
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.10771

Abstract

This research is motivated by the condition of rice farmers in South Sungkai District, North Lampung Regency, who are still facing limited financial capital in meeting household needs, so they need an alternative to social-based economic support. Social capital, which includes trust, social networks, norms, and the value of togetherness, is a non-material asset that plays an important role in the lives of farmers. This study aims to analyze the form and contribution of social capital to rice farmers in meeting household needs and review its suitability with Islamic economic perspectives. This research uses a qualitative approach with a case study method, through observation techniques, in-depth interviews, and documentation. The results of the study show that social capital makes a real contribution to meeting the needs of farmers' households, especially in the aspects of food, education, and health, through the practice of mutual cooperation, cooperation with farmer groups, and social relations based on trust and mutual help. Viewed from the perspective of Islamic economics, the practice of social capital is in line with the principles of ta'awun (help), justice, and ukhuwah (brotherhood). In conclusion, social capital not only functions as a strengthening of the economy of farmers' households, but also as a means of strengthening social solidarity and realizing sustainable prosperity in accordance with Islamic economic values.
Pengaruh Islamic Social Finance (ZISWAF), Third-Party Funds (DPK), dan Financing to Deposit Ratio (FDR) Terhadap Net Profit Margin (NPM) sebagai Indikator Efisiensi Bank Umum Syariah di Indonesia dalam Perspektif Islam Periode 2015-2024 Sri Winarsih; Heni Noviarita; Is Susanto
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.10889

Abstract

Penelitian ini menganalisis pengaruh Islamic Social Finance (ZISWAF), Dana Pihak Ketiga (DPK), dan Financing to Deposit Ratio (FDR) terhadap Net Profit Margin (NPM) sebagai indikator efisiensi Bank Umum Syariah di Indonesia dalam perspektif islam periode 2015–2024. Tujuan penelitian adalah menilai pengaruh parsial dan simultan ketiga variabel tersebut terhadap NPM. Metode yang digunakan adalah regresi data panel dengan model yang terpilih yaitu Random Effect Model (REM) pada sampel lima Bank Umum Syariah menggunakan data sekunder laporan keuangan 2015–2024. Hasil menunjukkan bahwa secara simultan ZISWAF, DPK, dan FDR berpengaruh signifikan terhadap NPM. Secara parsial, ZISWAF berpengaruh positif dan signifikan terhadap NPM, DPK berpengaruh negatif dan tidak signifikan, sedangkan FDR berpengaruh negatif dan signifikan. Temuan mengindikasikan pentingnya pengelolaan dana sosial (ZISWAF) yang produktif dan pengendalian FDR secara prudensial untuk memperbaiki efisiensi dan peningkatan DPK tidak otomatis meningkatkan margin jika tidak diiringi pengelolaan yang produktif. 
Analysis of the History and Development of Islamic Economic Thought in the Ottoman Turkey (1299–1922 CE) Suci Septiani; Nurhikmah Nurhikmah; Idris Parakkasi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.10472

Abstract

This study aims to explore the intellectual and institutional contributions of the Ottoman Caliphate to the development of modern Islamic economics. Using a qualitative historical approach and library research, the study analyzes key Ottoman economic institutions, such as productive waqf (cash waqf), hisbah, timar, iltizam, as well as the scholarly thoughts of Ottoman ulama on ethics and economic regulation. The findings indicate that the Ottoman cash waqf served as a foundation for modern Sharia financial innovations, including waqf-based microfinance and sukuk, while hisbah and fiscal regulations provided early models for market governance and Sharia- based public finance. The intellectual contributions of Ottoman scholars emphasized the integration of justice, trust (amanah), and social welfare in economic practice, inspiring contemporary Islamic business ethics and Sharia governance. This study concludes that the Ottoman intellectual and institutional legacy is not only historically significant but also provides strategic references for developing a just, inclusive, and sustainable modern Islamic economy.
Analisis Penerapan Penalti pada Pencaiaran Deposito Mudharabah Sebelum Jatuh Tempo di Bank Aman Syariah Dian Widia Asmerianti; Haris Santoso
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.10859

Abstract

Mudharabah deposits are a fund collection product in sharia banking which is carried out based on a cooperation agreement between the customer as shohibul maal and the bank as mudharib with a profit sharing system. This product has a certain period of time so that funds cannot be withdrawn before maturity. However, in practice there are still customers who withdraw their deposits before they are due, because of the urgent need to anticipate this, Sharia safe banks implement a penalty policy as a consequence of contract violations. This research aims to analyze the application of penalties for disbursement of mudharabah deposits before maturity and assess the effectiveness of penalties in preventing customers' decisions to withdraw funds early. This research uses a qualitative method with a descriptive approach through interview techniques, observation and documentation. The research results show that penalties function as a control for customers not to withdraw deposits before maturity, but are not always the main consideration in customer decision making when faced with urgent economic needs.
Pengaruh Sharia Compliance dan Non Performing Financing terhadap Nilai Perusahaan (Studi Empiris Pada Perbankan Syariah) Erliati Siregar; Anggi Kartika
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.10760

Abstract

This study used the help of eviews 10 software as a data analysis tool. The population in this study are all Islamic Commercial Banks registered with the Financial Services Authority (OJK) during the 2018-2022 period. Sampling in this study used purposive sampling in order to obtain 7 Islamic Commercial Banks as samples in this study.  The results of the study partially show that the IIR proxy for Sharia Compliance variable for NP obtained a tcount of -0.190307. tcount (-0.190307) < ttable (1.69552), the conclusion is that partially IIR has no significant negative effect on NP. The Sharia Compliance proxy ZPR variable for NP obtained a tcount of -1.772808. tcount (-1.772808) < ttable (1.69552), the conclusion is that partially ZPR has no significant negative effect on NP. The NPF variable on NP obtained a tcount of -2.658745. tcount (-2.658745) < ttable (1.69552), the conclusion is that partially NPF has a significant negative effect on NP. Based on the table above shows the R-Squared of 0.776780 or equal to 77.67%. This means that the variables IRR, ZPR and NPF are able to explain the NP of 77.67% while the remaining 22.33% is explained by other variables not included in this model. This means that there are other variables that explain the disclosure of NP in the company's annual report.
Analisis Inovasi Layanan Digital Micropay Mobile dalam Meningkatkan Kepuasan Anggota (Studi di BMT Artha Buana Metro) Zevi Lusiana; Ika Trisnawati Alawiyah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.10861

Abstract

The rapid development of digital technology has encouraged Islamic microfinance institutions to innovate their services in order to enhance efficiency and member satisfaction. This study aims to analyze the implementation of the Micropay Mobile digital service innovation and its impact on member satisfaction at BMT Artha Buana Metro. The research employs a descriptive qualitative method with a field research approach. Data were collected through observation, in-depth interviews, and documentation, using triangulation to ensure validity. The findings reveal that Micropay Mobile, developed from the previous IBS Mobile platform, has improved member satisfaction through four key aspects: ease of access anytime and anywhere, efficiency in time and transaction costs, real-time transaction speed and accuracy, and a multi-layered security system based on PIN authentication and transaction notifications. SERVQUAL analysis indicates that the application fulfills five service quality dimensions: tangibles, reliability, responsiveness, assurance, and empathy. Challenges include limited digital literacy and internet connectivity constraints. To address these issues, the institution provides socialization programs, user education, and face-to-face assistance. The study confirms that digital transformation strategically strengthens long-term relationships based on trust and loyalty.
Pengaruh Faktor Makroekonomi Terhadap Dana Pihak Ketiga dan Market Share pada Bank Umum Syariah di Indonesia Tahun 2020-2024 Ikha Fasikha; Meilana Widyaningsih
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.10718

Abstract

This research investigates the impact of broad economic factors, specifically inflation, interest rates, and currency exchange rates, on Third Party Funds (DPK) and the market presence of Islamic commercial banks in Indonesia from 2020 to 2024. Even though Islamic banks do not operate on an interest-based model, macroeconomic variables such as inflationary trends, primary interest rates, and fluctuations in exchange rates can still influence customer savings behavior and the ability of Islamic banks to grow their market share. This study utilizes a quantitative methodology involving multiple linear regression analysis. The secondary data used in this analysis were sourced from official reports provided by Bank Indonesia, the Financial Services Authority, and Statistics Indonesia. The research results reveal that inflation does not have a noticeable effect on Third Party Funds; however, interest rates and exchange rates significantly impact these funds. On the other hand, inflation plays a key role in market share dynamics, while interest rates and exchange rates show no significant effect on the market share of Islamic commercial banks. These findings offer crucial insights for regulators and professionals in the Islamic banking sector to formulate strategies aimed at enhancing fund mobilization and ensuring the stability of fund accumulation, especially amidst economic fluctuations. In addition, Islamic banks should be urged to create more adaptable funding strategies to respond effectively to global economic changes.

Page 21 of 22 | Total Record : 215

 18   19   20   21   22 

Filter by Year

2016 2026


Reset
Filter By Issues
All Issue Vol 11, No 2 (2026): Islamic economics and banking research Vol 11, No 1 (2026): Islamic economics and banking research Vol 10, No 2 (2025): Islamic economics and banking research Vol 10, No 1 (2025): Islamic economics and banking research Vol 9, No 2 (2024): Islamic economics and banking research Vol 9, No 1 (2024): Islamic economics and banking research Vol 8, No 2 (2023): Islamic economics and banking research Vol 8, No 1 (2023): Islamic economics and banking research Vol 7, No 2 (2022): Islamic economics and banking research Vol 7, No 1 (2022): Islamic economics and banking research Vol 6, No 2 (2021): Islamic economics and banking research Vol 6, No 1 (2021): Islamic economics and banking research Vol 5, No 2 (2020): Islamic economics and banking research Vol 5, No 1 (2020): Islamic economics and banking research Vol 4, No 2 (2019): Islamic economics and banking research Vol 4, No 1 (2019): Islamic economics and banking research Vol 3, No 2 (2018): Islamic economics and banking research Vol 3, No 1 (2018): Islamic economics and banking research Vol 2, No 2 (2017): Islamic economics and banking research Vol 2, No 1 (2017): Islamic economics and banking research Vol 1, No 2 (2016): Islamic economics and banking research Vol 1, No 1 (2016): Islamic economics and banking research More Issue