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Sofyan Sulaiman
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Kampus Universitas Islam Indragiri Parit I Jl. Lintas Provinsi No. 1 Kec. Tembilahan Hulu, Kab. Indragiri Hilir Riau
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Journal of Islamic Economics and Business Review (JIEBR)
Published by Universitas Islam Indragiri
ISSN : -     EISSN : -     DOI : -
Core Subject : Religion, Economy, Humanities,
Religion Humanities Economics, Econometrics & Finance
Journal of Islamic Economics and Business Review (JIEBR) adalah jurnal ilmiah yang diterbitkan dua kali setahun (April dan September), mempublikasikan artikel hasil penelitian, kajian konseptual, dan pemikiran kritis dalam bidang ekonomi, keuangan, dan bisnis Islam. Jurnal ini bertujuan menjadi media akademik untuk pengembangan ilmu pengetahuan serta praktik ekonomi dan bisnis Islami di tingkat nasional maupun internasional.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 18 Documents
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PENGARUH E-COMMERCE TERHADAP PERILAKU KONSUMEN DALAM PERSPEKTIF EKONOMI SYARIAH: Studi Terhadap Mahasiswa Ekonomi Syariah Fakultas Ilmu Agama Islam Universitas Islam Indragiri Safrinal Hindi; Sofyan Sulaiman; Qusthoniah Qusthoniah
Journal of Islamic Economics and Business Review (JIEBR) Vol 1 No 2 (2025): Journal of Islamic Economics and Bussines Review
Publisher : LPPM Universitas Islam Indragiri

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Abstract

Penelitian ini dilatarbelakangi oleh pesatnya perkembangan teknologi dan e-commerce di Indonesia yang telah mentransformasi perilaku konsumen, termasuk di kalangan mahasiswa. Fenomena ini menimbulkan pertanyaan sejauh mana perilaku konsumen mahasiswa selaras dengan prinsip-prinsip ekonomi Islam seperti keadilan, kejujuran, penghindaran riba, dan pelarangan israf. Mahasiswa Ekonomi Islam UNISI dipilih sebagai subjek penelitian ini karena mereka diharapkan memahami nilai-nilai tersebut. Penelitian ini bertujuan untuk menganalisis pengaruh e-commerce terhadap perilaku konsumsi mahasiswa dan penerapan prinsip-prinsip Islam dalam aktivitas belanja daring. Penelitian ini menggunakan metode kuantitatif dengan regresi linier sederhana. Dari populasi 112 mahasiswa angkatan 2021–2024, 53 responden dipilih melalui metode sampling probabilitas dengan rumus Slovin. Data dikumpulkan melalui kuesioner skala Likert dan diolah menggunakan SPSS versi 25. Hasil penelitian menunjukkan bahwa e-commerce berpengaruh signifikan terhadap perilaku konsumen (t-hitung 12,099 > t-tabel 0,295; sig. 0,000 < 0,05) dengan kontribusi sebesar 74,2%. Sebagian besar mahasiswa melakukan pembelian berdasarkan kebutuhan, kemampuan finansial, dan kehalalan produk, meskipun beberapa masih dipengaruhi oleh tren dan iklan. Disimpulkan bahwa e-commerce berpengaruh positif terhadap perilaku konsumen, dan penguatan literasi keuangan Islam diperlukan untuk mengurangi perilaku konsumtif.
SHARIA COMPLIANCE DALAM PEMBIAYAAN KEPEMILIKAN RUMAH DI PERUMAHAN SML GARDEN : Studi Kasus di Perumahan SML Garden, Jln. Tanjung Harapan, Tembilahan Kota, Kabupaten Indragiri Hilir Junaidi Junaidi; M Aldi; Najamuddin Najamuddin
Journal of Islamic Economics and Business Review (JIEBR) Vol 1 No 2 (2025): Journal of Islamic Economics and Bussines Review
Publisher : LPPM Universitas Islam Indragiri

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Abstract

This study aims to analyze the level of Sharia compliance in home ownership financing at SML Garden Housing, Tembilahan. The phenomenon of the widespread use of the label “Sharia” in the property sector raises questions about the substantive compatibility of the contracts used, and to what extent Sharia principles—such as justice, transparency, and freedom from riba (usury)—are actually implemented. Utilizing a qualitative descriptive approach through a case study method, involving in-depth interviews with homeowners, employees, and consumers of the housing development, the results indicate that SML Garden Housing has generally implemented Sharia principles, particularly by avoiding riba and providing flexible payment options. However, challenges remain in terms of formal documentation, cost transparency, and the existence of an independent Sharia supervisory body. This research contributes to strengthening the practice of Sharia-based property financing at the community and developer levels.
ETIKA ISLAM DALAM PELAKSANAAN GOOD CORPORATE GOVERNANCE DAN DAMPAKNYA TERHADAP KEPUASAN MASYARAKAT DI PUSKESMAS BANJARAN KOTA gagan hidayat; Asri Nurani; mia jumiati; Evi Sopiah
Journal of Islamic Economics and Business Review (JIEBR) Vol 1 No 2 (2025): Journal of Islamic Economics and Bussines Review
Publisher : LPPM Universitas Islam Indragiri

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Abstract

Public healthcare services at the puskesmas (community health center) level play a strategic role in improving community welfare, thereby requiring the implementation of good governance through the principles of Good Corporate Governance (GCG). The urgency of GCG in public services, particularly in puskesmas, is closely related to the need for transparency, accountability, fairness, and responsibility in the delivery of healthcare services. Nevertheless, in practice, various public complaints regarding service quality are still found, such as delays in service delivery, lack of information transparency, and the attitudes of service personnel that do not fully reflect excellent service standards. Therefore, Islamic ethics become important as a moral foundation in the governance of public healthcare services, as they emphasize values such as trustworthiness (amanah), honesty, justice, openness, and responsibility, which are highly relevant to the principles of GCG. This study aims to: (1) analyze the implementation of Islamic ethics in the application of Good Corporate Governance (GCG) at Puskesmas Banjaran Kota; (2) analyze public perceptions and levels of community satisfaction with the services of Puskesmas Banjaran Kota; and (3) analyze the relationship between Islamic ethics and the implementation of GCG in improving the quality of services at Puskesmas Banjaran Kota. The research employs a mixed-methods approach, combining qualitative and quantitative methods. The results indicate that Islamic ethical values have been reflected in the implementation of service bureaucracy at Puskesmas Banjaran Kota and are aligned with GCG principles, particularly transparency, accountability, fairness, independence, and responsibility. Public perceptions of puskesmas services show a generally positive tendency, although several aspects still require improvement. Furthermore, the findings suggest that the integration of Islamic ethics and GCG contributes significantly to improving service quality, strengthening public trust, and enhancing community satisfaction with public healthcare services.
Biografi dan Pemikiran Taqiyuddin An-Nabhani serta Pengaruhnya terhadap Pemikiran Ekonomi Islam Rezaldi Supiandi; Ahmad Riandi; M.Amin al badari
Journal of Islamic Economics and Business Review (JIEBR) Vol 2 No 1 (2026): Journal of Islamic Economics and Bussines Review
Publisher : LPPM Universitas Islam Indragiri

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This study is motivated by the dominance of conventional economic paradigms that view humans as homo economicus, primarily driven by self-interest and material gain, thereby neglecting moral and spiritual dimensions in economic activities. This research aims to analyze economic behavior from an Islamic perspective based on the thought of Taqiyuddin An-Nabhani and to examine its influence on contemporary Islamic economic thought. The study employs a qualitative approach using library research, utilizing secondary data from books and academic journals, with data collection through documentation and descriptive-analytical analysis. The findings indicate that economic behavior in Islam is not solely based on rationality but is influenced by aqidah, which shapes human mindset and behavior. Moreover, Islam clearly distinguishes between needs and wants and regulates ownership into three categories: private, public, and state ownership. An-Nabhani’s thought also contributes to the development of modern Islamic economics, particularly in wealth distribution and the role of the state. The study concludes that economic behavior in Islam integrates both material and spiritual aspects and remains relevant as an alternative framework for addressing contemporary economic issues.
TRANSFORMASI MODEL PRODUKSI UMKM DARI STOCK-BASED KE DEMAND-DRIVEN MELALUI PRE-ORDER DALAM EKONOMI MIKRO ISLAM Nabilla Rizkya Koswari; Erisa Sandra Angela; Nurul Paojiyah; Ramadhani Irma Tripalupi
Journal of Islamic Economics and Business Review (JIEBR) Vol 2 No 1 (2026): Journal of Islamic Economics and Bussines Review
Publisher : LPPM Universitas Islam Indragiri

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Abstract

Perkembangan ekonomi digital mendorong UMKM meningkatkan produksi, namun model berbasis stok (stock-based) tanpa data permintaan riil kerap memicu over-supply, dead stock, price war, dan inefisiensi biaya. Penelitian ini menganalisis peralihan ke model demand-driven melalui sistem pre-order dengan pendekatan kualitatif berbasis studi pustaka dan analisis komparatif ekonomi konvensional dan Islam. Hasil menunjukkan model ini meningkatkan efisiensi, mengurangi kelebihan stok, serta menekan biaya, sekaligus selaras dengan akad salam dan prinsip maslahah, tawazun, serta larangan israf. Namun, efektivitasnya bergantung pada kepercayaan konsumen, kesiapan teknologi, dan karakteristik produk, sehingga pre-order merupakan strategi adaptif yang efektif namun kontekstual bagi keberlanjutan UMKM.   The development of the digital economy encourages MSMEs to increase production, but stock-based models without real demand data often trigger oversupply, dead stock, price wars, and cost inefficiencies. This study analyzes the shift to a demand-driven model through a pre-order system using a qualitative approach based on literature studies and a comparative analysis of conventional and Islamic economics. The results show that this model increases efficiency, reduces excess stock, and reduces costs, while also aligning with the salam contract and the principles of maslahah, tawazun, and the prohibition of israf. However, its effectiveness depends on consumer trust, technological readiness, and product characteristics, making pre-orders an effective yet contextually adaptive strategy for the sustainability of MSMEs.
PENDEKATAN OPERASI UNION SETS MELALUI PRINSIP INKLUSI EKSKLUSI UNTUK OPTIMALISASI PORTOFOLIO KEUANGAN SYARIAH Nabilla Rizkya Koswari
Journal of Islamic Economics and Business Review (JIEBR) Vol 2 No 1 (2026): Journal of Islamic Economics and Bussines Review
Publisher : LPPM Universitas Islam Indragiri

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Penelitian ini mengusulkan pendekatan operasi union sets melalui Prinsip Inklusi-Eksklusi (PIE) sebagai alat matematis deterministik untuk optimalisasi portofolio keuangan syariah di Indonesia. Berbeda dari pendekatan probabilistik atau fuzzy logic yang umum digunakan, metode union sets memungkinkan penggabungan aset aset syariah unik (sukuk, mudharabah, murabahah, ijarah, wakaf produktif, dll.) dengan menghilangkan duplikasi atau tumpang tindih (overlap) antar-instrumen secara tepat. Prinsip inklusi-eksklusi digunakan untuk menghitung kardinalitas gabungan aset secara akurat sehingga portofolio yang terbentuk memiliki tingkat diversifikasi maksimal tanpa redundansi, sekaligus tetap mematuhi larangan riba, gharar, maysir, dan prinsip maqashid syariah.   Study This propose approach union sets operation through Principle Inclusion - Exclusion (PIE) as tool mathematical deterministic For optimization portfolio Islamic finance in Indonesia. Different from approach probabilistic or common fuzzy logic used, the union sets method allows merger unique sharia assets (sukuk, mudharabah, murabahah, ijarah, waqf productive, etc) with remove duplication or overlapping overlap between instruments in a way right. Principle inclusion -exclusion used For count cardinality combination asset in a way accurate so that formed portfolio own level diversification maximum without redundancy, at the same time still comply prohibition usury, gharar, maysir, and principles maqashid sharia.  
ZAKAT DIGITAL DI KALANGAN GEN Z Antara Kesadaran Publik Dan Pengelolaan Keuangan Pribadi Yang Syariah: Antara Kesadaran Publik Dan Pengelolaan Keuangan Pribadi Yang Syariah TITI SURYANI; Wendi Sri Agustina
Journal of Islamic Economics and Business Review (JIEBR) Vol 2 No 1 (2026): Journal of Islamic Economics and Bussines Review
Publisher : LPPM Universitas Islam Indragiri

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Abstrak Penelitian ini bertujuan untuk menganalisis posisi zakat digital dalam konteks kesadaran publik dan pengelolaan keuangan pribadi syariah di kalangan Generasi Z (Gen Z) Indonesia. Menggunakan pendekatan kualitatif studi kepustakaan, penelitian ini mengkaji literatur terkait integrasi teknologi finansial (fintech) dalam penghimpunan zakat dan kondisi literasi keuangan syariah Gen Z. Hasil kajian menunjukkan bahwa zakat digital telah meningkatkan partisipasi kelompok muda melalui kemudahan akses, transparansi, dan personalisasi layanan yang sesuai dengan gaya hidup digital mereka. Namun, tingginya adopsi teknologi belum sepenuhnya mencerminkan kedalaman kesadaran publik terhadap kewajiban zakat sebagai bagian integral dari pengelolaan keuangan pribadi yang syariah. Indeks literasi keuangan syariah yang baru mencapai 39,11% pada 2024 mengindikasikan masih adanya kesenjangan antara kemudahan bertransaksi digital dan pemahaman prinsip keagamaan yang mendasari. Oleh karena itu, diperlukan strategi edukasi yang terintegrasi, inovatif, dan kontekstual dengan karakter Gen Z, seperti pengembangan aplikasi interaktif, konten kreatif, dan sinergi dengan para pemengaruh (influencer), agar zakat digital tidak sekadar menjadi kanal pembayaran, melainkan instrumen pembentukan perilaku keuangan yang taat syariah. Abstract This study aims to analyze the position of digital zakat within the context of public awareness and Sharia-compliant personal financial management among Generation Z (Gen Z) in Indonesia. Employing a qualitative library research approach, the study examines literature on the integration of financial technology (fintech) in zakat fundraising and the condition of Islamic financial literacy among Gen Z. The findings indicate that digital zakat has enhanced the participation of young people through ease of access, transparency, and service personalization that align with their digital lifestyle. However, the high adoption of technology does not yet fully reflect a deep public awareness of the zakat obligation as an integral part of Sharia-compliant personal financial management. The Islamic financial literacy index, which reached only 39.11% in 2024, points to a persistent gap between the convenience of digital transactions and understanding of the underlying religious principles. Therefore, integrated, innovative, and contextually relevant educational strategies tailored to Gen Z’s characteristics are necessary—such as the development of interactive applications, creative content, and synergy with influencers—so that digital zakat becomes not merely a payment channel, but an instrument for shaping Sharia-obedient financial behavior.
Manajemen Risiko Syariah Sebagai Instrumen Etis Dalam Menghadapi Ketidakpastian Bisnis Modern Lilin Agustina; Nurbaiti
Journal of Islamic Economics and Business Review (JIEBR) Vol 2 No 1 (2026): Journal of Islamic Economics and Bussines Review
Publisher : LPPM Universitas Islam Indragiri

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Abstrak Perkembangan bisnis modern yang ditandai oleh globalisasi, digitalisasi, dan perubahan ekonomi yang cepat menimbulkan berbagai risiko dan ketidakpastian bagi pelaku usaha. Penelitian ini bertujuan menganalisis peran manajemen risiko syariah sebagai instrumen etis dalam menghadapi ketidakpastian bisnis modern. Metode yang digunakan adalah studi kepustakaan (library research) dengan mengkaji berbagai sumber literatur yang relevan. Hasil penelitian menunjukkan bahwa manajemen risiko syariah berlandaskan prinsip keadilan, amanah, transparansi, dan kehati-hatian serta menghindari unsur riba, gharar, dan maysir. Penerapan prinsip-prinsip tersebut mampu menjaga stabilitas bisnis, meningkatkan kepercayaan publik, dan mendukung keberlanjutan usaha. Dengan demikian, manajemen risiko syariah menjadi solusi yang relevan dalam menghadapi dinamika bisnis modern.

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