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M Zidny Nafi' Hasbi
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Journal of Islamic Economics and Business Ethics
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : 30644585     EISSN : 3047311X     DOI : 10.24235/jiesbi.v1i3
Core Subject : Economy, Art,
Arts Economics, Econometrics & Finance
IESBI: Journal of Islamic Economics and Business Ethics E-ISSN 3047-311X is and P-ISSN 3064-4585 high-quality open access peer-reviewed research journal published by the UIN Cyber ​​Syekh Nurjati Postgraduate, Cirebon, West Java, Indonesia in collaboration with the Association of Islamic Economic Experts (IAEI). This journal aims to be a forum for discussion and publication of research results from academics, researchers and practitioners on the topics of Islamic Economics, Sharia Banking, Islamic Finance, and issues within Asian countries. These topics can take the form of observations of contemporary economic phenomena which highlights economic system problems, regulations in Islam, and other topics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 35 Documents
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Application of Principles and Rules for Non-Cash Transactions Using QRIS Services Maqāṣid Al-Sharīʿah Perspective Nurul Rahmah Kusuma; Hanif Nuryana
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 3 (2024): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i3.157

Abstract

 Widespread digital technology and financial technology (fintech) have made non-cash transactions increasingly popular and accepted by society. QRIS (Quick Response Code Indonesian Standard) is a form of non-cash transaction that is expected to increase efficiency, effectiveness, and security in terms of transactions. The research aims to analyze the principles and rules of non-cash transactions using QRIS Services from an Islamic economic perspective so that people can experience non-cash transactions safely while integrating with the ethical values of the Islamic economic system. The research method used is a type of qualitative research with a descriptive analysis approach in the form of a literature study sourced from primary and secondary book sources, consisting of a collection of primary theories and books, journal articles, and various kinds of relevant library materials. The results of this research explain that non-cash transactions using QRIS services are generally by Islamic economic principles, such as fairness, and consent, not containing elements of usury, gharar and maysir, transaction transparency, and halal. However, it should be noted that the use of QRIS must be done wisely and by Sharia corridors.
Strengthening Economic and Development Relations Transformation Efforts Towards Golden Indonesia 2045 Intan Zahira; M. Zidny Nafi' Hasbi; Shikur Faris
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 3 (2024): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i3.163

Abstract

Indonesia is a country that has a big vision and mission to transform into a developed country both socially, economically, in governance, legally, and in development. As a country that has a big vision and mission, of course, Indonesia needs to build and transform to realize the country's expected future. To achieve this vision and mission, Indonesia needs special attention in various aspects to achieve the country's goals. Development and the economy are two concepts that are interrelated and inseparable. The economy functions as the main foundation of development, namely a means to achieve economic goals such as improving people's welfare. Stable and inclusive economic growth that can raise living standards and generate high-quality jobs must go hand in hand with this development. This research is qualitative, so this study provides an overview of the research topic. The purpose is to provide an overview and analysis of Indonesia's economic and development trends. This article uses secondary data sources for its data collection, using a literature study approach, information on the development economy, especially in Indonesia, is investigated. All information collected from various sources is checked and evaluated about the current state of Indonesia's development and economy. Social development must not only improve the living standards of everyone in society but also provide solutions to problems resulting from development that are not implemented properly. The goal of social development is not limited to the population as a whole, but rather how the population can develop or increase its capacity to meet its needs, goals, and desires. So to face challenges and take advantage of opportunities in the development economy, collaboration between the government, the private sector, and civil society is needed. Investments in education, infrastructure, and technological innovation are key to achieving calculated and sustainable economic growth.
Application of the Principle of Ikhtiyat in Murabahah Financing: A Case Study of BMT Malang, East Java Irfan Hilmi; Abdel Naffati
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 3 (2024): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i3.167

Abstract

The principle of effort is one of the strong roots of banking, a principle which states that in carrying out its functions and business activities, it is mandatory to be careful to protect public funds entrusted to it. There are at least 5 principles of the ikhtiyat role, in assessing prospective debitors, the bank must be guided by factors, such as character, capacity, capital, collateral, and economic conditions of economy. This research is qualitative. Data collection techniques are carried out by observation, interviews, and documentation study. The phenomenological approach is used to describe the deep understanding in this study. The findings of this study indicate that in general, the application of the principle of effort in mudharabah financing uses the 5c and 1i feasibility analysis (character, capacity, capital, condition, collateral, and insurance) by prioritizing the aspects of character analysis character, capacity ability and collateral which is assessed through the business income earned every month and the eligibility of the collateral given by the prospective member. The application of the ikhtiyat principle is one of the ways BMTs have positive and negative impacts in providing financing at BMT Malang, East Java so that BMTs are not allowed to only demand the achievement of targets without enforcing the principle of ikhtiyat.
Endorsement of Sharī'ah Label Product Influencers Through Social Media Efforts to Increase Interest in the Number of Muslim Consumers Achmad Budi Susetyo; Md. Meraj Hasan
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 1 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i1.178

Abstract

The ease of people accessing information about a product has given rise to a new shopping system that can be done online. One of the social media applications that is currently often used is the TikTok application. It can be proven that Tiktok is the No. 1 application that is often downloaded in Indonesia according to Data Reports. The TikTok application algorithm is different from other applications, making it easier for people to go viral and be recognized by many people. Thus, the term influencer emerged as someone who can influence others. This study aims to examine and analyze the endorsement of Muslim influencers of fashion products through TikTok Shop social media to increase consumer interest. This study also explored how support affects economic outcomes for supporters and evaluates the impact of influencer marketing and content creators. This study used a library research method coupled with a data analysis framework rooted in Islamic economics and supported by inductive reasoning and qualitative data. The research findings revealed that influencers and content creators with significant followers have been shown to increase product sales significantly. The key factor for the success of social media promotion lies in implementing effective advertising strategies and collaborating with influential figures or media that resonate with target consumers. The existence of influencer support for a product significantly affects the number and interest of consumers so that it can improve the quality of marketing and increase the reach of a wide market.
Environmentally Friendly Waqf Model: A Response to Sustainable Economic Development and the Presence of a Circular Economy Swadia Gandhi Mahardika; Afifa Tanweer
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 1 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i1.180

Abstract

The excessive utilization of natural resources and the accumulation of waste pose serious challenges to sustainable development. The circular economy has emerged as a viable solution by emphasizing the reuse and recycling of materials. This study explores the significance of sustainable development and the necessity of a circular economy in achieving it. Effective waste management plays a crucial role in environmental protection and enhances living standards. In this context, waqf can contribute to environmental sustainability through the concept of green waqf. This study employed the literature review method to identify, review, evaluate, and synthesize relevant research on the phenomenon of interest and related research questions. By implementing the literature review approach, journal articles were systematically reviewed, and each process followed predetermined steps and procedures. The findings revealed that the proposed green waqf model consisted of five stages. First, the waqif transfers cash waqf to a waqf institution (nazir). Second, the nazir allocates waqf funds to establish a training center equipped with waste management technology to enhance human resource development. Third, the nazir, through the training center, provides skill development programs to empower beneficiaries (mauquf 'alaih). Fourth, beneficiaries are expected to secure employment and increase their productivity after completing the training. Fifth, continuous monitoring and evaluation must be conducted to ensure ongoing improvements. Ultimately, the proposed green waqf model is expected to contribute to both economic and environmental sustainability.
Measuring Investment Fund Health Against Total Asset Growth in Islamic Insurance Companies in Indonesia Ramadhani Irma Tripalupi; Siti Asma’ Binti Mohd Rosdi
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 2 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i2.182

Abstract

The mechanism of fund management in sharia insurance includes fund distribution allocation, namely tabarru' (donation) funds and saving funds, which are integral parts in carrying out sharia insurance management. Regulation No. 11/PMK.010/2011 concerning the finncial health of Sharia insurance companies outlines of the health of Sharia insurance companies includes two things, namely the financial health of tabarru' funds and company funds, with distinct solvency limits for each. The solvency limit for tabarru’ funds is 30%, while for company funds, it is 70%. The purpose of this study is to examine the impact of the allocation of Islamic insurance fund assets, including mudharabah (profit-sharing) deposits, government sukuk (Islamic bonds), corporate sukuk, and Islamic mutual funds, on the asset growth of Islamic insurance funds in Indonesia. This study used quantitative methodology by utilizing Vector Autoregression (VAR) and Ordinary Least Squares (OLS) to analyze a data series covering the period from January 2017 to April 2025. The findings of the ordinary least squares (OLS) analysis indicated that the proportion of funds invested in Islamic mutual funds, government sukuk, corporate sukuk, and mudharabah deposits has a substantial and positive impact on the growth of Islamic insurance assets. In addition, the findings from VAR indicated that a positive and statistically significant short-term relationship exists exclusively with government sukuk and its impact on the growth of Islamic insurance assets. To optimize the allocation of investment funds for investors and stakeholders, government and corporate sukuk are viable considerations, supported by impulse response function and variance decomposition analyses.
Is the Continuity of Islamic Banking Usage Related to Customer Religiosity? Rahmat Dahlan; Eko Susanto; Ahmad Fauzi; Muhamad Fauzi
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 2 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i2.186

Abstract

Performance is an indicator of the results of achieving a person's work targets in carrying out a job as a whole during a certain period in carrying out tasks that are compared with various possibilities, such as work result standards, targets or objectives or criteria that have been determined in advance and have been agreed upon together. This study aims to reconstruct the component of religiosity as one of the main factors for Muslims in muamalah, while trying to analyze the relationship between the religiosity of Islamic banking customers and the intention to continue using Islamic banking. This happens because of the tight competition in the Islamic financial industry in Indonesia, but the Islamic banking industry still has a small percentage of loyal customers, thus contributing to a low market share of Islamic banking in Indonesia. Therefore, banks need to develop strategies, such as maximizing the religiosity factor to increase the intention to continue using Islamic banking. This research was quantitative with a survey method, using a structural equation model (SEM-AMOS) to achieve research objectives. Furthermore, this study selected Islamic banking customers as samples, reaching 530 samples through convenience sampling techniques. The results demonstrated the development of novel indicator to measure individual religiosity related to economic activities. Religiosity is self-awareness of the importance of religion that shows an attitude of surrender to God. This means that a person's religiosity shows more about the processes of internalizing religious values ​​, which then unite within the individual to form daily behavior. Furthermore, this research model also reports that religiosity can significantly increase the intention to continue using Islamic banking.
Awareness of Indonesian Migrant Workers in Paying Zakat: Case Study of Borneo Palm Oil Plantations Samudera Langkon, Marudu, Sabah Malaysia M Fuad Hadziq; Nargis Ali
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 1 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i1.194

Abstract

Zakat is a fundamental obligation for Muslims, as one of the five pillars of Islam. Therefore, every Muslim must pay zakat annually during the holy month of Ramadan. This research aims to explore the awareness of Indonesian migrant workers regarding the payment of zakat. This study primarily examines the extent of awareness among migrant workers regarding their zakat obligations. Using a qualitative approach, data was collected through in-depth interviews and participatory observations with migrant workers across various industries in Malaysia. The findings reveal that most respondents exhibit a strong awareness of their zakat obligations as a religious duty. Factors such as religious education, personal experiences, and the social environment at the workplace significantly influence the level of awareness. The implications of these findings offer insights for relevant institutions to develop educational and promotional programs aimed at enhancing awareness and compliance with zakat payments among Indonesian migrant workers. This study concludes that religious education, personal experiences, and the social environment at the workplace play a crucial role in shaping migrant workers' awareness of their zakat obligations, and understanding these factors can help design more effective interventions.  
How Do Pancasila Economics and Islamic Economics Relate to Financial Governance Policies in Indonesia? Syarah Siti Supriyanti; Dwi Nofiana Gita Pertiwi
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 1 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i1.198

Abstract

Pancasila economics is an institutional economic system that upholds the core values of Pancasila as Indonesia’s state ideology. Its five principles—ethics, humanity, nationalism, democracy, and social justice—serve as fundamental references for economic models in Indonesia. Meanwhile, the Islamic economic system is based on the teachings and values of Islam, derived from the Qur'an, As-Sunnah, ijma, and qiyas. This study aims to analyze the synchronization between Pancasila economics and Islamic economics in relation to various government policies, particularly in response to the challenges posed by global capital and liberalism. This research employs a qualitative approach (literature review) by analyzing relevant theories from books, journals, and online media. The Islamic economic system, rooted in the Qur'an and As-Sunnah, serves as a religious framework for Muslim communities, while Pancasila economics is the officially recognized economic system of Indonesia, founded on the principles of the state ideology. Both economic models share a strong social and moral vision, emphasizing economic equality and social justice. The findings reveal that when juxtaposed, Islamic economics and Pancasila economics converge in their ultimate goal of achieving welfare and justice for all members of society.
Determinants of Consumer Behavior Transformation from Traditional to Online Shopping: A Case Study of Central Java Community, Indonesia Joko Suhariyanto; Farid A Rizky; Elvira Rahmaniar Rahmi
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 2 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i2.201

Abstract

Technological advancements and the transition from traditional to online shopping have had a significant impact on consumer behavior. The availability of various online marketplace platforms has changed shopping habits, modified purchasing trends, and shaped overall consumption decisions. This study attempts to examine the influence of income, Islamic financial literacy, and social media on consumer behavior among individuals in Central Java, Indonesia. This study used a quantitative method. Data were collected through questionnaires from the Central Java population. A research sample comprising 458 respondents was obtained using simple random sampling. The independent variables include income, Islamic financial literacy, and social media, while the dependent variable is consumer behavior. Data were analyzed using SmartPLS software, involving a structural model (inner model) and a measurement model (outer model). This study revealed that Islamic financial literacy and social media have a significant impact on consumer behavior, while income does not show a significant effect. The coefficient of determination (Adjusted R Square) was 0.702 (70%), which indicates that income, Islamic financial literacy, and social media collectively influence 70% of consumer behavior with the remaining 30% attributable to unexplored factors. The transformation of the digital economy has brought multidimensional impacts on consumption behavior, from psychological to economic aspects. Thus, understanding these changes is important for academics, business practitioners, and policymakers in designing adaptive strategies for the digital ecosystem.

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