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Nikmatul Masruroh
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IJIEF: Indonesian Journal of Islamic Economics and Finance
Published by Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember
ISSN : -     EISSN : 26157535     DOI : https://doi.org/10.35719/ijief.v7i1
Core Subject : Economy, Humanities, Art, Social,
Arts Humanities Economics, Econometrics & Finance Environmental Science
IJIEF: Indonesian Journal of Islamic Economics and Finance is a bilingual (Indonesia/Malay & English), academic, peer-reviewed journal published by the Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq Jember. The journal particularly focuses on topics related to Economics, Econometrics and Finance, Islmaic Economics and Finance, Art and Humanities, Islamic Development Economic and other relevant topics. The journal is to provide readers with a better understanding of Indonesian Islamic economics and finance and present developments through the publication of research paper, conceptual paper, conference/seminar/workshop paper, case studies, book review, and technical report. The journal is published biannually in June and December. This journal is an open access journal which means that all content is freely available without charge for the user or his/her institution. Users are allowed to read, download, copy, distribute, print, search, or link to the full texts of the articles, or use them for any other lawful purpose, without asking prior permission from the publisher or the author. This is in accordance with the BOAI definition of open access.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 61 Documents
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Legal Protection of Consumers in Transactions E-Commerce in Indonesia Irma Roudlotul Jannah; Helna Tri Syanturi; Arif Zunaidi
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 2 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i2.2281

Abstract

The development of information technology has driven the rapid growth of e-commerce in Indonesia. Online transactions offer convenience for consumers, but also present various potential risks such as fraud, unsuitable goods, and data privacy violations. This research aims to analyze the legal protection provided to consumers in e-commerce transactions, as well as the effectiveness of existing regulations in guaranteeing consumer rights. The method used is a normative juridical approach by examining laws and regulations such as Law Number 8 of 1999 concerning Consumer Protection, ITE Law, and Government Regulation No. 80 of 2019 concerning Trading Through Electronic Systems. The results showed that although regulations are available, the implementation of legal protection for consumers still faces challenges, especially in the aspects of law enforcement and consumer education. Therefore, collaborative efforts between the government, business actors, and the community are needed to create a safe and fair e-commerce ecosystem for consumers.
Dynamics of Functionality and Usability of the Use of BSI Mobile and BYOND by BSI on Public Preferences in Transactions Silvia Maulida; Alfiyah Nururokhmah; Kharis Fadlullah Hana
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 2 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i2.2324

Abstract

In the digital age, the adoption of banking services through mobile applications is increasingly important. Although BSI Mobile and BYOND by BSI offer various features to make transactions easier, the level of use of these apps varies among customers. This study aims to analyze the influence of functionality, usability (ease of use), and user feedback on public preferences in using two mobile banking applications owned by Bank Syariah Indonesia (BSI), namely BSI Mobile and BYOND by BSI. The method used was a comparative quantitative approach, with data collection through a questionnaire involving 74 respondents who were active users of both applications. Data analysis was carried out through validity, reliability, classical assumption tests (normality, multicollinearity, heteroscedasticity), and multiple linear regression. The results showed that only the usability variable had a positive and significant influence on public preferences (p = 0.015), while functionality (p = 0.252) and user feedback (p = 0.056) had a positive but insignificant effect. These findings emphasize that ease of use is prioritized by the public over the number of features or developers' responses to user feedback. The implications of this study emphasize the importance of improving interface and user experience aspects to encourage the wider adoption of mobile banking services.
Digital Transformation in Business Licensing Innovation Through a One-Stop Service Management Policy Halimatus Zahra
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 1 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i1.2350

Abstract

This study aims to: first, explore the digital transformation undertaken by the Jember Regency government in conducting business licensing through a one-stop service policy; second, analyze the impact of digital transformation on business licensing innovation through a one-stop service management policy; and third, explore the effectiveness of business licensing innovation through a one-stop service management policy. Based on these objectives, this study is expected to contribute: first, contributing to institutions to always innovate in services by implementing digital transformation for effectiveness in public services; and second, contributing to the community that digital transformation can make services more effective in terms of time and cost, especially if carried out through a one-stop service. Thus, there is no long bureaucracy. The objectives and contributions can be achieved through a qualitative research approach with a case study type. Researchers directly explore the one-stop service management policy implemented in Jember Regency since 2021. Researchers conducted observations, interviews, and traced data through a documentation process. Analysis used the Miles and Huberman model, and data validity tests used source and technique triangulation. The results of this study, first, the Jember Regency government in business licensing services innovated by changing the system to a one-stop and digital-based system, so that business actors did not have long bureaucratic licensing processes. Second, the impact of one-stop shop management, coupled with digital transformation, is fast, easy, and affordable service. Third, business licensing innovations are effective in preventing fraud and extortion, as well as being time-efficient.
Brand RUCAS Campaign: Rhetorical Analysis and Dialectics in Sharia Perspective for Economic Empowerment ST Monica Dwi M; Moch Chotib; Fauzan Fauzan
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 1 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i1.2353

Abstract

Community economic empowerment through campaigns carried out by the RUCAS Brand is an interesting highlight because it presents a unique and inclusive marketing approach. This study aims to analyze the RUCAS Brand campaign from the perspective of rhetoric and dialectics within the framework of sharia values, especially in the context of economic empowerment of the lower strata community. The research method used in this study is a descriptive qualitative approach with data collection techniques carried out through participatory observation of campaign content on TikTok and Instagram, digital documentation in the form of downloading and archiving relevant content, and online literature studies from various trusted sources. Data analysis was carried out using rhetorical analysis, dialectical analysis, and sharia perspective approach. The results show that RUCAS brand campaigns are successful in creating persuasive and positive by combining elements of rhetoric and dialectics, they not only attract attention but also build an emotional connection with the audience. By providing opportunities for marginalized groups to participate in the creative economy and earn a decent income through endorsements, the RUCAS Brand carries out a socio-economic function in accordance with sharia principles.
Implementation of Governance with Transparency and Accountability in the Gunung Gambir Rubber Plantation of PTPN Nusantara 1 Regional 5 Islamic Economic Perspective Siti Nur Fadilah
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 1 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i1.2357

Abstract

This study aims to analyze 1) how is the implementation of governance in terms of transparency? 2) how is the implementation of governance in terms of accountability? Rubber plantations are one of the strategic agricultural commodities in Indonesia, especially in East Java. One of them is the Gunung Gambir rubber plantation of PTPN Nusantara 1 Regional 5. The Gunung Gambir rubber plantation aims to increase the village's original income and stimulate the village's economy. The implementation of Good Corporate Governance (GCG) is very important for rubber plantation companies to support good governance sustainably. This research uses qualitative research with a descriptive approach, a type of approach in qualitative research using case studies. Field at the Gunung Gambir rubber plantation PTPN Nusantara 1 Regional 5. The researcher observes a phenomenon. The observation was conducted using passive participants. The validity of the data uses data source triangulation and data method triangulation, which means comparing and rechecking data obtained from different data sources. The results of this study indicate that, first, governance through transparency is closely related to the value of Siddiq in honesty, operational activities, and the dissemination of information to the public. Second, governance through accountability aligns with the value of trust, which is the primary responsibility borne by every leader and employee in financial reporting and company management.
Risk Control Strategy In Seed Management Contracts By Pt East West Seed Indonesia Jember Region Nurul Hidayat; Nikmatul Masruroh; Ahmadiono Ahmadiono
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 1 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i1.2370

Abstract

The development of agribusiness in Indonesia has opened a new discourse in agribusiness practices carried out primarily by farmers or cultivators. One form of agribusiness that is quite widely carried out is the partnership concept. Several companies try to offer this partnership concept to farmers to produce a certain commodity and guarantee the marketing of their products. The concept and pattern of partnership offered by one company to another varies. Several factors that influence the concept and pattern of partnership are the type of commodity cultivated, consumer demand for the cultivated commodity, and the market share of the cultivated commodity. PT East West Seed Indonesia (Ewindo) is the first integrated vegetable seed company in Indonesia that has a commitment to being the best Farmer's Friend. The research focuses on: 1) How is the seed management contract at PT East West Seed Indonesia in the Jember Region? 2) How is the identification of forms of risk control in the seed management contract by PT East West Seed Indonesia in the Jember Region? This type of research is descriptive qualitative research with the researcher's own key instrument. The research location is at PT East West Seed Indonesia in Gumuksari, Tegal Besar, Kec. Kaliwates, Jember Regency, East Java. Data collection used interview, documentation, and observation methods. Data analysis was conducted using data reduction, data presentation, and conclusion drawing techniques. The data sources obtained consisted of primary and secondary data sources. The results of this study indicate that: First, the seed management contract implemented by PT East West Seed Indonesia (Ewindo) in the Jember region demonstrates a highly structured and calculated modern agribusiness partnership model. Based on the findings, the company does not diversify the contract model, but instead adopts a uniform and binding nucleus-plasma partnership framework. This structure is built on the principle of strict reciprocity, where the rights and obligations of both parties (the company and the farmers) are clearly defined to minimize risk and uncertainty (gharar). Second, the identification of forms of risk control in the seed management contract by PT East West Seed Indonesia (Ewindo) in Jember demonstrates a comprehensive and layered risk management architecture. From the company's perspective, risk control is designed proactively through the systematic identification of four main areas: technical-quality, agronomic production, operational-behavioral, and market.
Philosophical Foundations of Islamic Economics: The Formation of Islamic Economics from the Perspectives of Epistemology, Ontology, and Axiology Nur Halimah
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 1 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i1.2376

Abstract

The Islamic economy presents different challenges than conventional economics. Beyond monitoring the behavior of economic actors, including producer households, consumer households, and the government, the challenge is to develop a concept of ideal behavior according to Islamic teachings that economic actors should adopt and its potential impact on the economy. Specifically, this science, in addition to studying relevant variables that can cause differences between actual and ideal behavior, also proposes appropriate strategies to guide one's actions. Ontology discusses the nature of the object of study. In other words, ontology is the science of existence itself. Epistemology examines how knowledge systems are structured. In other words, it discusses the scope and limitations of science. Revelation's truth is not arbitrary, and its role in seeking truth is crucial because it is absolute. However, rational truth and empirical facts must be placed within the overall Islamic framework. In fact, Islam highly values reason, and God is angry with those who refuse to use reason. The study of the axiology of Islamic economics aims to examine Islamic economics from the perspective of values and interests. The existence of Islamic economics is expected to provide solutions to these problems.
The Effect of Wadiah Savings and Wadiah Current Accounts on the Profitability of Sharia Commercial Banks in Indonesia Mochammad Ainur Rozikin; Guntur Kusuma Wardana
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 2 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i2.2395

Abstract

Profitability is a crucial indicator of a bank's success in performing its intermediary function in managing public funds. Therefore, Islamic commercial banks need to continually enhance their profitability. Factors such as wadiah savings and wadiah current accounts are considered to contribute to sustainable profitability, as they reflect the bank’s ability to manage financial risks, meet obligations, and optimize asset utilization. This study aims to analyze the effect of wadiah savings and wadiah current accounts on the profitability of Islamic commercial banks in Indonesia, using profit-sharing financing and non-profit-sharing financing as control variables. This research employs a quantitative descriptive method. The population consists of 14 Islamic commercial banks registered with the Financial Services Authority (OJK) in 2024, from which 8 banks were selected using purposive sampling. The study uses secondary data obtained from annual financial reports of each bank during the 2013–2024 period. Data analysis was conducted using the panel data regression method with EViews 13. The results show that wadiah savings and wadiah current accounts partially and simultaneously have a significant effect on the profitability of Islamic commercial banks in Indonesia.
Zakat Management Model Through Organizational Network and Digital Marketing by LAZISNU Jember Regency Abdul Hamid; Abdul Rokhim; Munir Is'adi
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 2 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i2.2404

Abstract

This research is motivated by the significant potential of Zakat, Infaq, and Shadaqah (ZIS) in Jember Regency and LAZISNU Jember's efforts to optimize collection through innovative organizational network-based management and the use of digital marketing. Challenges faced include low public trust in zakat institutions and unequal digital literacy. The purpose of this study is to analyze the zakat management model implemented by LAZISNU Jember Regency through the integration of organizational networks and digital marketing. This study used a qualitative approach, with data collection methods including interviews, observation, and documentation. The results show that LAZISNU Jember implements a hybrid management model that combines the strength of NU's solid organizational network from the PCNU, MWC, to the Branch level with a digital marketing strategy through social media such as Instagram, Facebook, and TikTok. This model has proven effective in increasing fundraising, transparency, and donor outreach. However, the main obstacle faced is unequal digital literacy among administrators and some members of the community. The study recommends enhancing digital training for administrators to strengthen sustainability in zakat management.
Distribution Pattern of Agricultural Zakat in Fulfilling Village Food Security Husnawiyah; Nurul Widyawati Islami Rahayu; Fauzan
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 8 No. 2 (2025): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v8i2.2405

Abstract

Agricultural zakat has a role in strengthening food security in rural areas. However, faced with the challenge of lack of literacy in the distribution of agricultural zakat owned by the community, especially farmers. So that the distribution of agricultural zakat has not contributed to food security in rural areas. Therefore, this research aims to, first; to explore food security in rural areas; Second, to analyze the distribution pattern of agricultural zakat that has been running in rural areas, third, to explore the pattern of distribution of agricultural zakat that can meet village food security. The research was carried out with a qualitative approach, with the type of case study in Pandanarum Village as a representation of the village that was able to produce a watermelon crop of 15 tons per 0.5 hectare. Thus, the object is worth researching. Data was collected by means of observation, interviews and documentation. The data were analyzed using descriptive techniques through the Miles and Huberman interactive model. The data was tested using source triangulation and techniques. This study resulted in findings 1. Food security in rural areas presents challenges such as limited access to food and dependence on the harvest season, thus requiring appropriate interventions to ensure sustainable food availability, 2. The distribution pattern of agricultural zakat in rural areas today generally runs in two forms, direct distribution by muzakki to mustahik and distribution through organized amil zakat institutions, with consumptive and productive methods, 3. The effective distribution pattern of agricultural zakat for village food security is to distribute zakat to the Amil Zakat Institution (LAZ) which is then redistributed to farmers.

Page 6 of 7 | Total Record : 61

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