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Journal of Islamic Economics, Banking, and Social Finance
Published by Sekolah tinggi ekonomi islam SEBI
ISSN : -     EISSN : 31090389     DOI : https://doi.org/10.61111/jiebsf.v1i1
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
The Journal of Islamic Economics, Banking, and Social Finance (JIEBSF) is an academic journal focusing on Islamic economics, Islamic banking, and social finance. It serves as a platform for scholars, practitioners, and policymakers to present research and in-depth analysis of Shariah-based economic systems. Through a multidisciplinary approach, JIEBSF explores principles of economic justice, sustainability, and social welfare from an Islamic perspective. The journal covers various topics, including Islamic banking regulations, innovations in Islamic social finance, halal investment, and the impact of Islamic economics on sustainable development. With peer-reviewed articles, JIEBSF contributes to the advancement of Islamic economic knowledge and its global implementation.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 10 Documents
 1 
Studi Literatur Penerapan Fatwa DSN-MUI No.07 Tentang Pembiayaan Mudharabah Pada LKS Waqfi, Muhammad Faruq; Cahaya, Zahra Nur; Zahra, Alifa; Robbani, Muhammad Hafizh
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 2 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i2.985

Abstract

Tujuan penelitian ini adalah untuk mengevaluasi penelitian implementasi fatwa DSN MUI No. 07 tentang pembiayaan mudhorobah (qiradh) di lembaga keuangan syariah. Data di ambil dari database Google Scholar menggunakan software PoP. Metode yang digunakan adalah systematic literature review (SLR) dengan pendekatan Preferred Reporting Items for Systematic Reviews and Meta-Analysis (PRISMA). Hasil penelitian berdasarkan 10 artikel yang membahas implemntasi fatwa DSN MUI NO. 07. Artikel yang muncul mulai tahun  2010 sampai 2024. Artikel yang paling banyak pada tahun 2023 sebanyak 2 artikel. Studi kasus paling banyak adalah di Bank Syariah. Hasil penelitian juga menunjukkan tidak semua Lembaga kuangan Syariah menrapkan fatwa DSN MUI No. 07. Ada 4 artikel menemukan lembaga keuangan Syariah telah sesuai dalam menerapkan fatwa ini. Sedangkan 6 artikel lainnya menyatakan bahwa lembaga keuangan syariah belum menerapkan fatwa. Dengan ini diharapkan dewan pengawas lebih memperhatikan penerapan produk dalam Lembaga keuangan syariah yang diawasinya.
Analisis Hukum Islam dan Hukum Positif di Indonesia Terhadap Investasi Cryptocurrency Huda, Misbahul; Soelistyo, Poernomo A
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 1 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i1.794

Abstract

Penelitian ini bertujuan untuk mengkaji pandangan hukum Islam dan hukum positif di Indonesia terkait dengan investasi cryptocurrency serta perlindungan hukum bagi investor. Metode yang digunakan dalam penelitian ini adalah metode hukum normatif dengan pendekatan perundang-undangan dan pendekatan konseptual. Hasil penelitian menunjukkan bahwa dalam hukum Islam terdapat dua pandangan yang berbeda. Sebagian besar ulama dan pakar, termasuk hasil ijtima ulama dari Nahdlatul Ulama, Muhammadiyah, dan Majelis Ulama Indonesia, mengharamkan cryptocurrency sebagai alat investasi. Namun, ada juga beberapa tokoh seperti Mufti Muhammad Abu Bakar, Dr. Monzer Kahf, dan Mohammad Daud Bakar yang menghalalkan cryptocurrency sebagai bentuk investasi. Sementara itu, dalam hukum positif Indonesia, Peraturan Menteri Perdagangan Nomor 99 Tahun 2018 pada Pasal 1 serta Peraturan Badan Pengawas Perdagangan Berjangka Komoditi Nomor 3 Tahun 2019 Pasal 1 huruf f mengakui cryptocurrency sebagai komoditas yang dapat diperdagangkan dan diinvestasikan di bursa berjangka. Perlindungan hukum terhadap investasi cryptocurrency secara preventif diatur dalam Undang-undang Nomor 8 Tahun 1999 dan Peraturan Bappebti Nomor 9 Tahun 2019. Sementara itu, perlindungan hukum secara represif meliputi mekanisme litigasi dan non-litigasi.
Pengaruh Perilaku Konsumen Terhadap Keputusan Pembelian Fashion Muslimah Dari, Riri Wulan; Fitri, Atiyah
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 1 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i1.795

Abstract

The Influence of Consumer Behavior on Muslimah Fashion Purchasing Decisions (Case Study of Muslim Women in Jabodetabek), Sharia Banking Study Program, SEBI School of Islamic Economics, 2024. This research aims to analyze the influence of Muslim consumer behavior on purchasing decisions. The research method used is a quantitative method. This research was conducted in Jabodetabek, namely Gen Z and Millennial Muslim female consumers. The population in this study were Muslim women throughout Jabodetabek with a sample of 100 respondents. The data analysis technique in this research uses Partial Least Square (PLS) and Hypothesis Testing. Data processing in this research uses the SmartPLS 3.0 software program. Based on the research result, it shows that the independent variable (X) of Muslim women’s consumer bihavior significantly influencer the dependent variable (Y) on Muslim women’s fashion purchasing decisions in Jabodetabek. In this study, it can be concluded that the Consumer Behavior variable has a significant effect on Purchasing Decisions, because there are personal factors, psychological factors, and social factors that can influence purchasing decisions on Muslimah fashion. And it can be concluded that the factor that has the most significant effect on purchasing decisions on Muslimah fashion is personal factors.
Studi Minat Masyarakat terhadap Bank Syariah dan Bank Konvensional di Kampung Sumadra Agustiana, Rian; Effendi, Pranoto; Setiawan, Azis Budi
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 1 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i1.813

Abstract

This research aims to analyze the comparison of public interest in Sharia Banks and Conventional Banks in Sumadra Village, Garut Regency, using qualitative methods through interviews with twelve respondents. The analysis results show that the main factors in bank selection involve business needs, income level, and ease of access. Conventional banking practices that are sustainable in the local environment are the main selection factor. Ease of use of banking services, especially transfers and savings and loans, is also a key consideration. Although awareness about Islamic banking exists, not all respondents seek further information about Islamic banking services. However, the majority showed positive interest in Islamic banking, with a desire to use such services if they were more accessible. The obstacles faced by Islamic banks are limitations and lack of service networks. Therefore, it is recommended that Islamic banks consider expanding service networks and improving marketing strategies.
Analisis Pengaruh Kesadaran Halal Dan Gaya Hidup Terhadap Keputusan Pembelian Gokana Ramen Dan Teppan Hafizah, Nadia Nur; Nur, Mawardi; Syahbudin, Fahmi
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 1 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i1.793

Abstract

This study investigates the impact of halal awareness and lifestyle on purchasing decisions for Gokana Ramen and Teppan products in Depok City. Utilizing a quantitative approach, the research examines how the variables of halal awareness and lifestyle influence consumer purchasing decisions. The study employs random sampling and quantitative data analysis conducted with SmartPLS 3.2.9. The population consists of Muslim consumers of Gokana Ramen and Teppan in Depok City, with a sample size of 150 respondents. The findings reveal the following: first, halal awareness has a significant effect on purchasing decisions, as indicated by a T-statistic value of 2.3281.96 and a P-value of 0.0200.05; second, lifestyle also significantly affects purchasing decisions, with a T-statistic value of 9.4121.96 and a P-value of 0.0000.05; third, halal awareness and lifestyle together have a significant simultaneous influence on purchasing decisions, evidenced by a T-statistic value of 6.7281.96 and a P-value of 0.0000.05. These results demonstrate that halal awareness and lifestyle significantly impact purchasing decisions, both individually and collectively, for Gokana Ramen and Teppan products in Depok City.
Studi Literatur Implementasi Fatwa DSN-MUI No. 03 Tentang Deposito: Pendekatan PRISMA Framework Hamdan, Muhammad; Adilah, Mujahidah; Anjani, Nur Dwi; Azbilia, Siti Fatma
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 2 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i2.981

Abstract

Penelitian ini bertujuan untuk mengkaji implementasi Fatwa DSN-MUI No. 03/DSN-MUI/IV/2000 tentang deposito mudharabah pada lembaga keuangan syariah di Indonesia. Metode penelitian yang digunakan adalah Systematic Literature Review (SLR) dengan pendekatan PRISMA untuk menyaring dan menganalisis 162 dokumen dari Google Scholar, yang kemudian diseleksi menjadi 17 dokumen yang relevan. Penelitian ini mengklasifikasi data berdasarkan tahun terbit, jenis dokumen, afiliasi perpustakaan, lembaga studi kasus, dan tingkat kesesuaian dengan fatwa. Hasil penelitian menunjukkan bahwa sebagian besar penelitian dilakukan dalam konteks perbankan syariah (61,1%), diikuti oleh BMT (33,3%) dan koperasi syariah (5,6%). Mayoritas dokumen berupa skripsi (52,9%), usulan artikel jurnal dan tesis. Dalam hal penerapan fatwa, ditemukan bahwa hanya 42,1% yang sesuai dengan ketentuan syariah, sedangkan 57,9% lainnya tidak sesuai karena berbagai faktor, seperti ketidakjelasan akad, praktik non-syariah, dan tidak adanya verifikasi terhadap fatwa. Penelitian ini merekomendasikan adanya evaluasi mendalam dan sosialisasi fatwa kepada lembaga keuangan untuk meningkatkan kepatuhan terhadap prinsip syariah.
Pengaruh Kualitas Produk Dan Label Halal Terhadap Keputusan Pembelian Skincare Kahf Di Kabupaten Pemalang Fathnin, Zahrah Amelie; Zulkarnain, Lutfi
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 1 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i1.791

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk dan label halal terhadap keputusan pembelian skincare Kahf di Kabupaten Pemalang. Penelitian ini bersifat asosiatif dengan pendekatan kuantitatif. Populasi yang diteliti adalah remaja laki-laki yang tinggal di Kota Pemalang. Pengumpulan data dilakukan menggunakan kuesioner, dengan jumlah sampel sebanyak 104 responden yang dipilih melalui teknik probability sampling menggunakan metode simple random sampling. Analisis data dilakukan menggunakan metode PLS-SEM dengan bantuan perangkat lunak SmartPLS 4. Hasil penelitian menunjukkan bahwa kualitas produk dan label halal memiliki pengaruh positif yang signifikan terhadap keputusan pembelian skincare Kahf di Kabupaten Pemalang.
Implementasi Fatwa DSN MUI No.2 Tahun 2000 Tabungan Mudharabah Pada Bank Syariah Isnaeni, Muti Saroh; Muhartini, Danti; Basayef, Muhammad Fadhil; Shidqy, Muhammad Ash
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 2 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i2.983

Abstract

Penelitian ini bertujuan untuk menganalisis implementasi Fatwa DSN MUI No.02 Tahun 2000 tentang Tabungan Mudharabah pada bank syariah di Indonesia. Latar belakang penelitian ini adalah kebutuhan masyarakat Muslim akan produk keuangan yang sesuai syariah, khususnya dalam menghindari unsur riba pada layanan perbankan. Metode penelitian yang digunakan adalah systematic literature review (SLR) dengan pendekatan deskriptif kualitatif. Data sekunder diperoleh dari artikel-artikel terindeks Google Scholar, yang dipilih menggunakan software Publish or Perish (POP) dengan kata kunci “Implementasi Fatwa DSN MUI No.02” dan “Tabungan Mudharabah”. Proses seleksi artikel mengikuti panduan PRISMA agar hasil penelitian lebih sistematis dan valid. Hasil penelitian menunjukkan bahwa mayoritas lembaga keuangan syariah telah mengimplementasikan tabungan mudharabah sesuai dengan prinsip-prinsip syariah dan ketentuan Fatwa DSN MUI No.02 Tahun 2000, meskipun masih ditemukan beberapa tantangan, seperti kurangnya pemahaman nasabah terhadap akad mudharabah, transparansi pembagian hasil, dan pelaporan keuangan yang belum optimal. Novelty dari penelitian ini terletak pada analisis komprehensif terhadap implementasi fatwa dengan pendekatan SLR dan identifikasi faktor-faktor penghambat serta pendukung keberhasilan implementasi. Penelitian ini merekomendasikan perlunya peningkatan edukasi keuangan syariah, transparansi, serta pengawasan berkelanjutan untuk memastikan implementasi tabungan mudharabah berjalan optimal.
Penanggulangan Tindak Pidana Penyalahgunaan Dana Zakat Dalam Hukum Positif Di Indonesia Rohman, Fadlur; Fitroh, Khoirul; Hermawan, Aries
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 1 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i1.792

Abstract

This study examines the handling of criminal acts related to the misuse of zakat funds under Indonesian positive law, focusing on government-established zakat management institutions. It employs a normative research methodology using statute, case, and comparative approaches. The first finding reveals that cases of zakat fund misuse are addressed using Article 2(1) in conjunction with Article 3 of the Anti-Corruption Law. A key factor in applying these provisions is that the perpetrator's actions result in financial losses to the state. Another influencing factor is the approach taken by the Public Prosecutor (JPU) in framing the indictment, which primarily relies on the Anti-Corruption Law without referencing provisions in other relevant legislation, such as the Zakat Management Law. This is evident in the primary and subsidiary indictments, where the focus remains on anti-corruption provisions. The second finding highlights that, based on the systematic lex specialis principle, Articles 37 and 40 of the Zakat Management Law are more specific in addressing material, formal, and subject (adresat) aspects of the crime. Consequently, under the principle of systematic specificity, these provisions are more appropriate to apply in cases of zakat fund misuse than the general provisions of the Anti-Corruption Law. Therefore, the study concludes that the legal application by the Panel of Judges in such cases is flawed if it prioritizes the Anti-Corruption Law over the Zakat Management Law. In cases involving criminal acts in zakat management, the Zakat Management Law should serve as the primary legal framework.
Transformation of Zakat and Waqf in Society 5.0: Improving Welfare through the Utilisation of Technology and Social Innovation Khoerulloh, Abd. Kholik; Sharin, Farah Hida
Journal of Islamic Economics, Banking, and Social Finance Vol 1, No 2 (2025): Journal of Islamic Economics, Banking, and Social Finance
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jiebsf.v1i2.1023

Abstract

The involvement of technology in the Society 5.0 era has changed the paradigm in the management of social funds such as zakat and waqf. The research aims to explore the potential use of technology and how social innovation can expand its impact on improving the welfare of the people. This study uses a literature study method with a qualitative approach. Data was obtained from a variety of credible literature sources, including academic journals, scientific articles, books, official reports, and materials from related conferences and seminars. An in-depth analysis of this literature is carried out to understand the evolution of the role of zakat and waqf in the context of history, recent developments, and changes with the emergence of Society 5.0. The results of the literature analysis show that the use of technology, such as digital platforms and technology-based financial systems, provides a great opportunity in improving the efficiency of collecting, managing, and distributing zakat and waqf funds. In addition, social innovation also plays an important role in expanding the impact of these philanthropic practices on people's welfare. This research is expected to provide an in-depth understanding of the need to adapt zakat and waqf to the concept of Society 5.0, as well as the importance of public awareness and education on the benefits of zakat and waqf in supporting wider welfare.

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