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Journal of Islamic Economics
Published by Sekolah Tinggi Agama Islam Al-Muntahy
ISSN : -     EISSN : 30898005     DOI : https://doi.org/10.65663/commercio.v2i2.303
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
COMMERCIO is a refereed scientific journal specialized in Islamic economics and business, and related fields of knowledge. The journal is published biannually, in June and December, and accepts contributions in English.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol. 1 No. 1 (2024): January-June" : 6 Documents clear
Zakat As An Instrument Of People's Economic Empowerment: A Study Of Innovative Management Models In Rural Areas Sudoto; Muhammad Mamun
Journal of Islamic Economics Vol. 1 No. 1 (2024): January-June
Publisher : Sekolah Tinggi Agama Islam Al-Muntahy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65663/commercio.v1i1.27

Abstract

This study aims to examine community-based zakat management as a model for economic empowerment of the people in rural areas with a productive zakat approach that involves active community participation and the use of information technology. The method used is a descriptive qualitative research with a case study in a village in Indonesia. The data collection technique was carried out through in-depth interviews with informants consisting of zakat managers, zakat recipients, and other related parties. The collected data was analyzed using thematic analysis techniques to identify patterns and important findings related to community-based zakat management. The results of the study show that the implementation of productive zakat in villages can improve mustahik welfare if it involves collaboration with village cooperatives and the use of information technology to increase the transparency and efficiency of zakat management. Although there are several challenges in implementation, such as a lack of understanding of productive zakat among rural communities, the results of this study make an important contribution in changing the paradigm of zakat from consumptive assistance to an instrument of economic empowerment. The implication of this research is the importance of developing a more inclusive and participatory community-based zakat model to empower the village community's economy in a sustainable manner.
A Financial Pillar Rooted in Spiritual Values for Community Welfare : Islamic Economics Fusthathul Nur Sasongko; Anisatul Maghfiroh
Journal of Islamic Economics Vol. 1 No. 1 (2024): January-June
Publisher : Sekolah Tinggi Agama Islam Al-Muntahy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65663/commercio.v1i1.28

Abstract

Islamic economics serves as a comprehensive financial system rooted in spiritual values, emphasizing justice, equity, and social welfare. This study aims to explore the principles, benefits, and challenges of implementing Islamic economics in contemporary financial systems. The research adopts a qualitative approach through an extensive literature review, analyzing scholarly articles, books, and case studies from 2018 to 2024. The findings reveal that Islamic economics, through its prohibition of interest (riba) and speculative activities (gharar), alongside the promotion of profit-sharing mechanisms (mudharabah and musyarakah), offers a more ethical and sustainable alternative to conventional financial systems. Key instruments such as zakat and waqf significantly contribute to poverty alleviation and wealth redistribution, enhancing social welfare. However, the study identifies challenges such as limited public awareness, inadequate regulatory frameworks, and competition with conventional systems. The research concludes that Islamic economics provides a robust framework for addressing global economic inequalities and fostering financial stability. To optimize its implementation, collaborative efforts from governments, financial institutions, and society are crucial. This study contributes to the growing body of knowledge by highlighting the transformative potential of Islamic economics and its capacity to achieve holistic and sustainable development.
Sharia Pawn For Millennials: Islamic Modern Financial Solutions Zainol Fata; Ummiyatul Hasanah; Mahbubah
Journal of Islamic Economics Vol. 1 No. 1 (2024): January-June
Publisher : Sekolah Tinggi Agama Islam Al-Muntahy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65663/commercio.v1i1.29

Abstract

This research focuses on the analysis of the concept of pawning in Islam, known as rahn, with the aim of understanding the underlying sharia principles and their application in society. Through a comprehensive literature review, this study examines the definition of rahn from various perspectives of scholars, its legal basis in the Qur'an, hadith, and ijma', as well as the principles and conditions of the validity of the rahn contract. The research method used is literature research with a descriptive-analytical approach, which allows for an in-depth depiction of the rahn phenomenon and analysis based on sharia principles. The results of the study show that rahn is a legal and relevant sharia financial mechanism, with variations in legal interpretation between schools that reflect flexibility in the application of sharia. This study also outlines the limitations in the taking of pawn benefits by murtahin, which must be done with a rahin permit  and in accordance with sharia principles. The implications of this research are the need to increase socialization and education about rahn to the public, standardization  of clear and transparent rahn contracts, and the development of effective dispute resolution mechanisms. This research contributes to a better understanding of rahn as a fair and sustainable sharia financial solution.
Perilaku Investor Syariah Milenial: Eksplorasi Melalui Pendekatan Teori Perilaku Terencana Chamilia Tohir Nora Octavia
Journal of Islamic Economics Vol. 1 No. 1 (2024): January-June
Publisher : Sekolah Tinggi Agama Islam Al-Muntahy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65663/commercio.v1i1.45

Abstract

This study aims to identify and analyze the factors influencing Sharia investment behavior among the millennial generation using the Theory of Planned Behavior (TPB) approach. The main focus of this research is to understand how attitudes, social norms, and perceived behavioral control contribute to Sharia investment decisions, as well as the role of Sharia fintech platforms in facilitating these decisions. This study adopts a qualitative approach with a case study method, where data were collected through in-depth interviews with 30 millennial investors actively using Sharia investment platforms. The findings indicate that beliefs influence a positive attitude toward Sharia investment in both financial and spiritual benefits, although concerns remain regarding potentially lower returns compared to conventional investments. Social norms, particularly the influence of family and friends, play a significant role in either encouraging or discouraging investment decisions. Furthermore, perceived behavioral control suggests that the use of Sharia fintech platforms enhances investment accessibility and transparency, yet challenges persist in terms of product comprehension and risk management. The implications of this study highlight the importance of more comprehensive Sharia financial education and the strengthening of educational features within Sharia fintech applications to improve millennial investors' understanding and confidence.
Determination of Trust, Financial Literacy, and Investment Decisions on the Millennial Generation in the Sharia Capital Market Fauzan Fauzan
Journal of Islamic Economics Vol. 1 No. 1 (2024): January-June
Publisher : Sekolah Tinggi Agama Islam Al-Muntahy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65663/commercio.v1i1.47

Abstract

This study aims to examine the relationship between financial literacy, trust, and investment decisions among millennials in the Islamic capital market. The research focuses on young investors' understanding of Islamic financial instruments and how trust in financial institutions influences their investment behavior. Using a quantitative approach with a case study design, data were collected through surveys of 150 respondents and in-depth interviews with active investors. Data analysis was conducted using linear regression and structural equation modeling (SEM) to test the direct and indirect effects between variables. The results showed that financial literacy has a significant influence on investment decisions, with a correlation coefficient of 0.57 (p < 0.01). Trust in Islamic financial institutions also proved to be a critical determinant factor, with an influence coefficient of 0.64 (p < 0.01). Furthermore, financial literacy indirectly affects investment decisions through the mediation of trust (indirect effect = 0.31; p < 0.01). These findings suggest that improving financial literacy and strengthening Sharia supervision can increase millennial participation in Islamic investments. The implications of this research provide insights for regulators and financial institutions to develop more comprehensive financial education programs and build a sustainable investment ecosystem. Recommendations for future research include expanding the study population to Generation Z and exploring other external factors, such as the influence of social media on investment decisions. Thus, this study can serve as a foundation for enhancing financial literacy and developing a more inclusive Islamic capital market.
Determinants Of Customer Engagement (Ce) In Islamic Banks: Faktor-Faktor Penentu Keterlibatan Pelanggan (CE) di Bank Syariah Alimatul Farida; Andriani Samsuri; Anshori
Journal of Islamic Economics Vol. 1 No. 1 (2024): January-June
Publisher : Sekolah Tinggi Agama Islam Al-Muntahy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65663/commercio.v1i1.271

Abstract

Islamic banking as an institution engaged in service, must be able to cover customer needs and maintain customer relationship patterns because it is necessary to compete with conventional banks. The purpose of this article study is to determine the determinants of Customer Engagement in Islamic banks and to determine the relevance of Customer Engagement to customer loyalty in Islamic banks. The research method used in this article study uses the Systematic Literature Review (SLR) method, namely collecting previous research articles as secondary data by searching for literature collections from database sites www.scholar.google.com, https://www.scopus.com, and https://openknowledgemaps.org/ using the keywords customer engagement and customer engagement with Islamic banking. The articles collected are articles published in 2017 - 2022. The results of this article study state that the determining factors of Customer Engagement (CE) in Islamic banks are customer satisfaction, customer commitment, religious factors, Customer Relationship, partnership and brotherhood in Islam between customers and Islamic banks to achieve goals, service quality and excellence. And Customer Engagement (CE) is relevant in mediating the loyalty of Islamic bank customers.

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