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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 220 Documents
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Etika dan Pola Konsumsi Islami dalam Program Makan Bergizi Gratis (MBG): Pendekatan Maqasid Syariah Annisa Masruri Zaimsyah
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.v11i2.10742

Abstract

Stunting dan ketahanan pangan tetap menjadi tantangan serius dalam pengembangan sumber daya manusia di Indonesia, mendorong pemerintah untuk menerapkan Program Makan Gratis Bergizi (MBG) sebagai intervensi gizi nasional. Dalam konteks masyarakat mayoritas Muslim, evaluasi kebijakan pangan publik tidak hanya relevan dari perspektif teknokratis tetapi juga dari sudut pandang nilai-nilai etika Islam. Studi ini bertujuan untuk menganalisis kesesuaian Program MBG dengan prinsip ḥalālan ṭayyiban dan kerangka maqāṣid al-sharī'ah sebagai landasan etika konsumsi Islami. Penelitian ini menggunakan pendekatan deskriptif kualitatif melalui riset pustaka, dengan mengacu pada Al-Qur'an, Hadits, peraturan kebijakan, dan literatur akademis yang relevan. Temuan menunjukkan bahwa, secara konseptual, Program MBG selaras dengan prinsip ḥalālan ṭayyiban dengan menyediakan makanan halal dan bergizi seimbang berdasarkan sumber daya pangan lokal. Dari perspektif maqāṣid al-sharī'ah, program ini berkontribusi pada perlindungan kehidupan (ḥifẓ al-nafs), akal (ḥifẓ al-'aql), keturunan (ḥifẓ al-nasl), kekayaan (ḥifẓ al-māl), dan agama (ḥifẓ al-dīn). Namun, pada tingkat implementasi, beberapa tantangan masih ada, termasuk kelemahan dalam manajemen rantai pasokan, potensi penurunan kualitas pangan, dan perilaku konsumsi yang cenderung boros dan tidak seimbang secara nutrisi, sehingga membatasi realisasi optimal prinsip ṭayyib. Oleh karena itu, integrasi pengawasan halal–ṭayyib, pendidikan etika konsumsi Islami, dan penguatan tata kelola program sangat penting untuk memastikan bahwa Program MBG berfungsi tidak hanya sebagai inisiatif mitigasi stunting tetapi juga sebagai kebijakan pangan publik berbasis nilai Islam yang berkelanjutan dan berorientasi pada kesejahteraan masyarakat.
Pengaruh Intership Experience, Self efficacy, dan persepsi kestabilan karir terhadap Kesiapan Kerja Di Lembaga Keuangan Syariah Nadia Damayanti; Femei Purnamasari; Siska Yuli Anita
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.v11i2.10782

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh internship experience, self-efficacy, dan persepsi kestabilan karir terhadap kesiapan kerja di lembaga keuangan syariah di Bandar Lampung. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik pengumpulan data melalui kuesioner kepada 96 responden yang dipilih secara purposive sampling. Analisis data dilakukan dengan regresi linear berganda menggunakan SPSS. Hasil penelitian menunjukkan bahwa ketiga variabel independen berpengaruh positif dan signifikan terhadap kesiapan kerja. Internship experience memiliki koefisien regresi tertinggi (β = 0,535; p = 0,003), diikuti oleh persepsi kestabilan karir (β = 0,293; p = 0,001), dan self-efficacy (β = 0,288; p = 0,008). Model regresi mampu menjelaskan 79,4% variasi kesiapan kerja (R² = 0,794). Temuan ini mengimplikasikan pentingnya program magang terstruktur, penguatan keyakinan diri, dan komunikasi prospek karir yang jelas dalam meningkatkan kesiapan kerja lulusan untuk industri keuangan syariah
Analisis Risiko dan Strategi Mitigasi Layanan Door To Door Pada Produk Pembiayaan Murabahah (Studi Kasus BMT Assyafi’iyah Berkah Nasional KC Metro) Zahrotul Firdaus; 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.v11i2.10888

Abstract

This study aims to analyze the risks and mitigation strategies implemented in the door-to-door service of murabahah financing products at BMT Assyafi’iyah Berkah Nasional, Metro Branch Office. The service is designed to improve financing accessibility for members, particularly micro-entrepreneurs; however, its implementation poses potential operational and financing risks. Using a qualitative descriptive approach, data were collected through observation, in-depth interviews, and documentation. The findings reveal that operational risks include limited field supervision, potential transaction recording errors, security risks for field officers, and high operational costs, while financing risks involve payment delays and an increase in Non-Performing Financing (NPF) due to members’ business instability. To mitigate these risks, BMT applies prudential principles through 5C analysis, multi-layered supervision, the use of an integrated Mobile Collection digital system, restrictions on large cash transactions, and a gradual mechanism for handling problematic financing. Overall, the study highlights that strengthening internal procedures and leveraging digital technology are key factors in maintaining the quality of murabahah financing and ensuring that the door-to-door service remains effective, secure, and compliant with sharia principles.
Pengaruh Service Excellence Terhadap Kepuasan Nasabah Bank Syariah Dengan Harapan Nasabah Sebagai Variabel Moderasi Mufita Rahmatul Barokah; Rahmawati Khoiriyah
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.v11i2.10807

Abstract

The development of Islamic banking in the Greater Solo area reflects positive dynamics, but changes in customer behavior and the need for digitalization emphasize the need to improve service quality. This study aims to (1) Empirically test the effect of Service Excellence on Customer Satisfaction (2) Analyze the relationship between Customer Expectations and Customer Satisfaction (3) Test the moderating role of Customer Expectations in assessing the extent to which these variables can strengthen or weaken the relationship between Service Excellence and Customer Satisfaction. The research approach applied a quantitative method with a causality design. Primary data was obtained through an online questionnaire administered to 200 active Islamic bank customers in Greater Solo who had interacted with Customer Service. The analysis was conducted using PLS-SEM. The findings revealed that Service Excellence had a positive effect on Customer Satisfaction, with the attitude dimension being the strongest indicator. Conversely, Customer Expectations did not show a significant relationship with Customer Satisfaction and did not act as a moderator in the relationship between Service Excellence and Customer Satisfaction. This conclusion reinforces that customer satisfaction is determined more by actual service experience than by initial expectations. This study suggests that Islamic banks should focus on improving the attitude and responsiveness dimensions of customer service rather than simply manipulating customer expectations through marketing communications.
Pengaruh Pertumbuhan Ekonomi dan Tingkat Pengangguran Terbuka terhadap Indeks PembangunanManusia di Pulau Sumatera dalam Perspektif Ekonomi Islam Tahun 2020-2024 Regita Putri Febrianti; Fatih Fuadi; Yulistia Devi
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.v11i2.10871

Abstract

Indeks Pembangunan Manusia (IPM) tela menjadi indikator penting pencapaian pembangunan regional. Tujuan dari pengkajian ini adalah untuk mengkaji dari sudut pandang ekonomi Islam, bagaimana Indeks Pembangunan Manusia Pulau Sumatra dipengaruhi oleh Pertumbuhan Ekonomi Dan Tingkat Pengangguran Terbuka. Penelitian ini menggunakan metodologi penelitian kuantitatif, dengan memanfaatkan data panel dari sepuluh provinsi di Pulau Sumatra. Indeks Pembangunan Manusia di Pulau Sumatra tidak terlalu terpengaruh secara signifikan dan terpengaruh secara positif oleh pertumbuhan ekonomi. Sementara itu, indeks pembangunan manusia Pulau Sumatra secara signifikan dan negatif terpengaruh Tingkat pengangguran terbuka. Selain itu, penelitian ini menemukan bahwa indeks pembangunan manusia Pulau Sumatra sangat dipengaruhi oleh tingkat pengangguran terbuka dan pertumbuhan ekonomi. Ekonomi Islam memprioritaskan falah (kesejahteraan di dunia dan akhirat) di atas sekadar meningkatkan pendapatan atau metric statistik. Oleh karena itu, Islam berpendapat bahwa di sampan unsur ekonomi dan fisik, kemajuan manusia harus mencakup dimensi spiritual, moral, dan sosial.
Pengaruh Pendapatan Non Halal, Zakat, dan Dewan Pengawas Syariah terhadap Reputasi Bank Syariah: Studi Perbandingan Bank Umum Syariah di Indonesia dan Malaysia Periode 2018-2024 Wiwit Putri Utami; Wahyu Iryana; Rahmat Fajar Ramdani
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.v11i2.11009

Abstract

The growth of the Islamic banking industry requires these institutions to not only focus on their financial performance, but also maintain their reputation as a reflection of social legitimacy and public trust. This study aims to analyze the effect of non-halal income, zakat, and the Sharia Supervisory Board (DPS) on the reputation of Islamic Commercial Banks (BUS) in Indonesia and Malaysia for the period 2018–2024. This study uses a comparative quantitative approach with a purposive sampling method targeting 7 BUS in Indonesia and 6 BUS in Malaysia and analyzed using multiple linear regression. The results show that in Indonesia, non-halal income has no significant effect on reputation, while zakat and DPS have a positive and significant effect. In Malaysia, non-halal income has a negative and significant effect on reputation, while zakat and DPS have a positive and significant effect. These results indicate that compliance with sharia and corporate governance play an important role in building the reputation of Islamic banks, with differences in influence influenced by regulatory characteristics and supervisory systems in each country.
Pengaruh Tata Kelola, Efisiensi, Manajemen Risiko dan Kinerja terhadap Keberlanjutan BUS Indonesia Laileny Tulus Karomah; Yulfan Arif Nurohman
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.v11i2.10808

Abstract

Indonesian Islamic banking has undergone strategic consolidation through the establishment of Bank Syariah Indonesia (BSI), which controls 46% of the market share with assets of Rp 351.9 trillion as of December 2024. This study analyzes the influence of corporate governance, operational efficiency, risk management, and financial performance on the business sustainability of Islamic Commercial Banks (BUS) during the 2021-2024 period using Legitimacy Theory and Triple Bottom Line as theoretical foundations. The quantitative research method with a causal comparative approach employs Partial Least Square-Structural Equation Modeling (PLS-SEM) on 10 BUS with 40 panel data observations processed using SmartPLS 3.0. Results indicate the model has excellent predictive capability (R² = 0.900; Adjusted R² = 0.889). Operational efficiency has a significant positive effect on business sustainability (β = 1.045; t = 2.452; p = 0.015) with a very large effect size (f² = 4.330), making it the most dominant factor. Corporate governance (β = -0.053; p = 0.541), risk management (β = -0.120; p = 0.336), and financial performance (β = 0.210; p = 0.484) show no significant effect. Findings indicate that BUS business sustainability is more determined by operational efficiency than profitability, with the post-merger transition period requiring adaptation time for governance impact optimization. Strategic implications direct BUS management to accelerate digitalization and resource optimization to achieve optimal economies of scale and strengthen the competitiveness of the national Islamic banking industry.
Likuiditas, Kecukupan Modal, dan Suku Bunga sebagai Determinan Profitabilitas Bank Syariah: Studi Perbandingan antara BCA Syariah dan BTPN Syariah periode 2015-2025 Zahratun Naura; Ana Fitria; Teuku Syifa Fadrizha Nanda
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.v11i2.10953

Abstract

This study aims to analyze the impact of liquidity, capitas adequacy, and monetary policy rate on profitability at two Islamic banks with different business models and market segments, namely BTPN Sharia and BCA Sharia during the 2015-2025 period. A quantitative comparative research design was employed, utilizing multiple linear regression analysis. The data analyzed consist of is secondary data sourced from official publications of the Financial Service Authority and Central Statistics Agency. The results of this study indicate that BTPN Sharia has significant positive effect of liquidity, the positive insignificant effect of capital adequacy, and negative significanly effect of monetary policy rate on profitability. Whereas at BCA Sharia, liquidity has a significant negative effect on profitability, insignificant negative effect of capital adequacy, and positive insignificant effect of monetary policy on profitability. These results indicate that liquidity, capital adequacy, and monetary policy rate as determinant of profitability varies based on the characteristics of each institution.
Pengaruh Green Banking Disclosure (Gri Standards), Islamic Social Reporting Disclosure, dan Mekanisme Corporate Governance Terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2020-2024 Seftiyana Putri; Syamsul Hilal; Zathu Restie Utami
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.v11i2.11170

Abstract

This study examines the effect of Green Banking Disclosure (GRI Standards), Islamic Social Reporting Disclosure, and corporate governance mechanisms on the profitability of Islamic commercial banks in Indonesia for the period 2020–2024. The background of this study is based on the rapid growth of Islamic banking assets which has not been followed by evenly distributed profitability, as well as the importance of implementing sustainability practices, Islamic social reporting, and corporate governance in improving financial performance. This study aims to analyze the influence of these three variables both simultaneously and partially on the profitability of Islamic commercial banks. The research method uses a quantitative approach with a purposive sampling technique involving 8 Islamic commercial banks during the 2020–2024 period. The data used are secondary data obtained from annual reports, sustainability reports, and corporate governance reports, which are then analyzed using panel data regression with the Random Effect Model (REM). The results show that simultaneously, Green Banking Disclosure, Islamic Social Reporting Disclosure, and corporate governance mechanisms have a significant effect on profitability with an F value of 0.000068. Partially, Green Banking Disclosure (t=0.0050), Islamic Social Reporting Disclosure (t=0.0362), and corporate governance mechanisms (t=0.0016) have a positive and significant effect on profitability. The Adjusted R² value of 0.406 indicates that these three variables explain 40.6% of the variation in profitability. These findings indicate that the implementation of green banking, Islamic social reporting, and good corporate governance plays an important role in improving the profitability of Islamic commercial banks in Indonesia. 
Analisis Perilaku Muzakki dalam Optimalisasi Zakat sebagai Instrumen Pemberdayaan Ekonomi Umat Widya Wulan Sari; Ovita Apriyani; Syafitri Anggraini
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.v11i2.11890

Abstract

This study aims to analyze the behavior of muzakki in optimizing zakat as an instrument for empowering the people's economy, especially in the context of how muzakki fulfill and distribute zakat and the factors that influence these decisions, such as religiosity, trust in zakat institutions, and preferences for zakat distribution.This study employed a qualitative approach with a phenomenological approach. Informants were selected using purposive sampling, consisting of zakat payers from among the State Civil Apparatus (ASN), entrepreneurs/traders, and private sector employees. Data were collected through in-depth interviews to explore the experiences, motivations, and perceptions of zakat payers in paying zakat. The results of the study indicate that the behavior of muzakki (payers of zakat) is still dominated by a normative compliance orientation in paying zakat, with a less than optimal level of trust in zakat management institutions. Furthermore, there is a tendency for muzakki to distribute zakat directly to mustahik due to emotional satisfaction, so that the zakat distribution pattern still tends to be consumptive and not fully oriented towards economic empowerment. These findings indicate that the optimization of zakat as an instrument for empowering the community's economy has not been fully achieved. Therefore, improving zakat literacy, strengthening trust in zakat institutions, and transforming zakat distribution patterns from consumptive to productive is necessary to support the sustainable economic independence of those entitled to receive zakat

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