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Journal of Shariah Economics
Published by Universitas Al-Hikmah Indonesia
ISSN : 26552493     EISSN : 26552485     DOI : https://doi.org/10.35896/jse.v7i2
Core Subject : Religion, Economy, Education, Social,
Religion Economics, Econometrics & Finance Education Social Sciences Other
JOURNAL OF SHARIA ECONOMICS adalah jurnal ilmiah berkala yang dikelola dan diterbitkan oleh Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Al Hikmah Indonesia serta bekerja sama dengan Asosiasi Ekonom Islam Indonesia Jurnal ini berfokus pada kajian ekonomi dan ekonomi Islam Pengelola menerima kontribusi berupa artikel dari ilmuwan akademisi profesional dan peneliti yang berkaitan dengan studi ekonomi Islam Artikel akan dipublikasikan setelah melalui mekanisme seleksi naskah penelaahan oleh reviewer serta proses penyuntingan Semua artikel yang diterbitkan merupakan pandangan dan tanggung jawab penulis dan tidak mewakili jurnal ini maupun institusi asal penulis Journal of Sharia Economics diterbitkan dua kali dalam setahun yaitu pada bulan Juni dan Desember
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 240 Documents
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Pengaruh Islamic Social Reporting, Kepemilikan Institusional, Dan Ukuran Perusahaan Terhadap Nilai Perusahaan Sub Sektor Makanan dan Minuman Yang Terdaftar di ISSI Periode 2022-2025 Zola Frandika; Elyanti Rosmanidar; Khairiyani .
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1355

Abstract

This study aims to analyze the influence of Islamic Social Reporting (ISR), institutional ownership, and company size on firm value in food and beverage subsector companies listed in the Indonesian Sharia Stock Index (ISSI) for the 2022–2025 period. This study uses a quantitative approach with secondary data obtained from annual reports, financial statements, and company sustainability reports. The research sample was determined using a purposive sampling technique and obtained 17 companies with a total of 68 observations during the study period. Data analysis was performed using panel data regression with the help of EViews 12 software. The results show that Islamic Social Reporting has a significant negative effect on firm value. Institutional ownership also has a significant negative effect on firm value, while firm size has no significant effect on firm value. Simultaneously, Islamic Social Reporting, institutional ownership, and firm size have a significant effect on firm value. The results show that firm value is not only influenced by financial factors, but also related to aspects of sharia-based social responsibility disclosure and corporate governance mechanisms. These findings imply that companies need to improve the quality of Islamic Social Reporting disclosures, strengthen the effectiveness of institutional oversight mechanisms, and optimize asset management to increase investor confidence and create sustainable corporate value..
Implementasi Prinsip Bagi Hasil Musyarakah Berdasarkan PSAK 406 pada PT. Bank Muamalat Indonesia,Tbk. di Kota Jambi Muhammad Khailil; Elyanti Rosmanidar; Khairiyani .
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1356

Abstract

This study aims to analyze the implementation of the Musyarakah profit-sharing principle based on PSAK 406 at PT Bank Muamalat Indonesia Tbk., Jambi Branch, as well as to identify the challenges encountered in its implementation. The study employed a qualitative approach using a case study method. Data were collected through observations, semi-structured interviews, and documentation, while data analysis followed the interactive model of data reduction, data display, and conclusion drawing. The findings reveal that the implementation of Musyarakah financing generally complies with the provisions of PSAK 406 regarding the recognition, measurement, presentation, and disclosure of Musyarakah transactions. The bank applies both revenue sharing and profit sharing methods depending on the characteristics and financial reporting capabilities of the customers. Furthermore, the determination of the profit-sharing ratio (nisbah) is conducted through mutual agreement between the bank and customers in accordance with Islamic principles of fairness and partnership. However, several challenges remain, including limited transparency in customers' financial reports, the misuse of financing funds, inadequate collateral value, and low public understanding of Musyarakah financing. These issues affect the effectiveness of risk management and the optimal implementation of profit-sharing financing. The study concludes that the implementation of the Musyarakah profit-sharing principle at PT Bank Muamalat Indonesia Tbk., Jambi Branch is generally in accordance with PSAK 406, although continuous improvements in governance, internal control, customer financial literacy, and monitoring systems are necessary to enhance the effectiveness and sustainability of Musyarakah financing
Pengaruh Brand Image dan Gaya Hidup Terhadap Keputusan Pembelian Baju Thrift di CFD Telanai Kota Jamb Dionna Andini Putri; Novi Mubyarto; Firman Syah Noor
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1351

Abstract

The growth of the thrift clothing business in Indonesia has increasedsignificantly along with the rising trend of sustainable fashion andchanges in consumer lifestyles. Consumers' purchasing decisions forthrift clothing are influenced not only by economic considerations butalso by brand image and lifestyle, particularly among youngconsumers. This study aims to examine the influence of brand imageand lifestyle on purchasing decisions for thrift clothing at CFDTelanai, Jambi City, both partially and simultaneously. This researchemployed a quantitative approach with an explanatory researchdesign. A total of 70 respondents were selected using a purposivesampling technique. Data were collected through questionnaires andanalyzed using multiple linear regression with IBM SPSS Statistics.The findings indicate that brand image has a positive and significanteffect on purchasing decisions. Likewise, lifestyle also has a positiveand significant effect on purchasing decisions. Simultaneously, brandmage and lifestyle significantly influence consumers' purchasingdecisions for thrift clothing at CFD Telanai, Jambi City. These findingssupport the Theory of Planned Behavior, which explains thatndividual attitudes and characteristics influence purchasing behavior.This study contributes to the literature on consumer behavior andprovides practical implications for thrift business owners in developingmore effective marketing strategies
Analisis Pemahaman Masyarakat Terhadap Sistem Pegadaian Syariah Pada Masyarakat Desa Mendalo Indah, Kecamatan Jambi Luar Kota Rahmi Aulia; Hansen Rusliani; Eri Nofriza
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1357

Abstract

Pegadaian Syariah is a non-bank financial institution that operates based on sharia principles through the implementation of *rahn* and *ijarah* contracts. Despite its rapid development, the level of public understanding of the Pegadaian Syariah system is still diverse. This study aims to analyze the level of public understanding of the Pegadaian Syariah system, identify factors that influence the use of Pegadaian Syariah products, and describe the educational efforts carried out by Pegadaian Syariah to the people of Mendalo Indah Village, Jambi Luar Kota District. This study uses a qualitative approach with field research. The research informants numbered 21 people selected using a *purposive sampling* technique, consisting of 10 people who had never used Pegadaian Syariah services, 10 Pegadaian Syariah customers, and 1 employee of Pegadaian Syariah UPS Aston Vila. Data were collected through interviews and documentation, then analyzed using the Miles and Huberman interactive analysis model which includes data reduction, data presentation, and conclusion drawing. Data validity was tested through source triangulation. The results indicate that the public's understanding of the Sharia Pawnshop system is quite good, but not yet fully comprehensive. The public generally understands that Sharia Pawnshops do not use interest, but they still have limited understanding of the rahn (non-interest) contract, the ijarah (non-interest) contract, and the fundamental differences between them and conventional pawnshops. Factors influencing public understanding and decisions to use Sharia Pawnshops include promotion and outreach, ease of procedures, service quality, service location, and religiosity. Sharia Pawnshops have undertaken various educational efforts through outreach, product promotion, consultations with prospective customers, and the provision of information on Sharia principles. However, the intensity of outreach still needs to be increased to improve the public's Sharia financial literacy. This study implies that improving Sharia financial literacy through ongoing education is a crucial strategy for increasing public understanding and trust in Sharia Pawnshops
Pengaruh Pendapatan, Gaya Hidup, dan Kebutuhan terhadap Konsumsi Masyarakat dalam Perspektif Ekonomi Syariah Vira Nadila; Habrianto .
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1358

Abstract

Consumption behavior is one of the fundamental aspects of economic activities that directly influences individual welfare and economic development. In the perspective of Islamic economics, consumption is not merely intended to satisfy material needs but must also adhere to the principles of halal, tayyib, moderation, justice, and public welfare (maslahah). This study aims to analyze the influence of income, lifestyle, and needs on community consumption from the perspective of Islamic economics in Sekancing Ilir Village, Tiang Pumpung District, Merangin Regency. This research employed a quantitative approach with an explanatory research design. The population consisted of residents of Sekancing Ilir Village, while the sample comprised 94 respondents selected through a simple random sampling technique. Primary data were collected using a structured questionnaire with a five-point Likert scale. The collected data were analyzed using multiple linear regression with the assistance of IBM SPSS, preceded by instrument validity and reliability tests as well as classical assumption tests.The results indicate that income, lifestyle, and needs have a positive and statistically significant effect on community consumption behavior, both partially and simultaneously. Lifestyle was identified as the most influential variable, followed by needs and income. The coefficient of determination (Adjusted R²) of 0.604 indicates that 60.4% of the variation in consumption behavior can be explained by the three independent variables, while the remaining 39.6% is influenced by other factors outside the research model. These findings imply that improving income should be accompanied by the implementation of an Islamic lifestyle and the prioritization of essential needs to promote responsible and sustainable consumption. This study contributes to the development of Islamic economic literature, particularly in understanding the determinants of consumption behavior based on Islamic values.
Pengaruh Kinerja Lingkungan dan Corporate Social Responsibility (CSR) Terhadap Kinerja Keuangan Perusahaan Yang Terdaftar di Jakarta Islamic Index (JII) Periode 2022-2024 Nia Ramadani; Usdeldi .; Fitri Ana Siregar
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1359

Abstract

This study examines the effect of Environmental Performance and Corporate social responsibility (CSR) on the financial performance of companies listed in the Jakarta islamic index (JII) during the 2022–2024 period. Financial performance is measured using Return on Assets (ROA). This study employs a quantitative approach using secondary data obtained from annual and sustainability reports of companies listed in JII. The data were analyzed using panel data regression analysis. The results show that Environmental Performance has no significant effect on ROA. In contrast, CSR has a negative and significant effect on ROA. Simultaneously, Environmental Performance and CSR significantly affect ROA, indicating that both variables jointly contribute to explaining changes in corporate financial performance. Companies should implement CSR programs more effectively and strategically to ensure that social responsibility activities contribute to long-term financial performance. Investors may also consider environmental and CSR disclosures as indicators of corporate sustainability when making investment decisions. This study extends previous research by focusing on companies listed in the Jakarta islamic index (JII) during the 2022–2024 period. It provides updated empirical evidence on the relationship between Environmental Performance, CSR, and financial performance within the context of the Indonesian Islamic capital market
Pengaruh Literasi Keuangan Syariah dan Tingkat Pendidikan terhadap Minat Menggunakan Produk Tabungan BSI di Kota Jambi Taufiq Ade Chandra; Maulana Yusuf; Aztyara Ismadharliani
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1360

Abstract

This study aims to examine the effect of Islamic financial literacy and education level on the public's interest in using savings products at Bank Syariah Indonesia (BSI) in Jambi City. The study employed a quantitative approach using an explanatory research design. The population consisted of all residents of Jambi City, while the sample comprised 100 respondents, selected through purposive sampling. Primary data were collected using a structured questionnaire with a five-point Likert scale. The data were analyzed using multiple linear regression with the assistance of IBM SPSS Statistics version 27. Prior to hypothesis testing, the research instrument was tested for validity and reliability, followed by classical assumption tests, including normality, multicollinearity, and heteroscedasticity tests.The results indicate that Islamic financial literacy has a positive and significant effect on the public's interest in using BSI savings products (t = 4.218; p < 0.05). Likewise, education level has a positive and significant effect on the interest in using BSI savings products (t = 5.525; p < 0.05). Simultaneously, Islamic financial literacy and education level significantly influence the public's interest in using BSI savings products (F = 114.949; p < 0.05). Furthermore, the coefficient of determination (Adjusted R²) of 0.697 indicates that 69.7% of the variation in the interest in using BSI savings products can be explained by Islamic financial literacy and education level, while the remaining 30.3% is influenced by other factors not included in this study.These findings suggest that improving Islamic financial literacy and educational attainment can enhance public interest in utilizing Islamic banking products. Therefore, Bank Syariah Indonesia is encouraged to strengthen financial literacy programs, expand public education initiatives, and collaborate with educational institutions and relevant stakeholders to promote greater awareness and utilization of Islamic banking services.
Analisis Penerapan Prinsip Etika Bisnis Islam Dalam Pengelolaan Produksi dan Penjualan UMKM Oleh-Oleh Khas Tembilahan Sindy Malisa Sari; Nurlia Fusfita; Ogi Saputra
JOURNAL OF SHARIA ECONOMICS Vol 7 No 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1361

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in promoting national economic growth by creating employment opportunities, increasing community income, and strengthening regional economies. However, MSMEs continue to face various challenges, including limited capital, inadequate human resources, low digital literacy, and the suboptimal implementation of Islamic business ethics. This study aims to analyze the implementation of Islamic business ethics principles in the management of production and sales within MSMEs based on the available research document. The study employs a qualitative approach with a case study design through an analysis of the concepts of Islamic business ethics, stakeholder theory, maslahah theory, and the management of production and sales as presented in the source document. The findings indicate that the principles of tawhid (unity), honesty, justice, responsibility, and maslahah serve as essential foundations for conducting business activities in accordance with Islamic law. The implementation of these principles enhances consumer trust, strengthens relationships with stakeholders, and supports business sustainability. Nevertheless, their implementation is constrained by several factors, including limited understanding of Islamic ethical principles among business actors, insufficient capital, low digital literacy, and inadequate guidance and institutional support. Therefore, stronger collaboration among MSME owners, government agencies, educational institutions, and Islamic organizations is necessary to reinforce the implementation of Islamic business ethics through training programs, business mentoring, and supportive policies. Such collaborative efforts are expected to improve the competitiveness and sustainability of MSMEs while contributing to broader social welfare in accordance with the objectives of the Islamic economic system.
Pengaruh Kualitas Pelayanan Dan Pengetahuan Masyarakat Terhadap Minat Menabung Pada Bank Syariah Di Kecamatan Muara Siau Kabupaten Merangin Nofia Ramadanti; Novi Mubyarto; Nurrahma Sari Putri
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/sa1cnw55

Abstract

This study is about the influence of service quality and public knowledge on interest in saving at Sharia Banks in Muara Siau District, Merangin Regency. The purpose of this study is to determine whether there is a significant influence between service quality and public knowledge on interest in saving at Sharia Banks in Muara Siau District, Merangin Regency. The type of this research is quantitative with data collection techniques in this study namely the distribution of questionnaire instruments, observation, interviews and documentation, while for data analysis the researcher used multiple linear regression analysis by conducting partial tests, simultaneous tests and determination tests. The results of the study explain the influence of public service quality on interest in saving at Sharia Banks in Muara Siau District, Merangin Regency, namely based on the value of the financial knowledge variable (X1) which has a t count of 2.145. Then for t table = 1662, obtained t count > t table, namely 2.145 > 1.662. Therefore, there is a significant influence between the quality of public service on interest in saving at Sharia Banks in Muara Siau District, Merangin Regency. The knowledge variable influences the interest in saving, this is based on the value of the community knowledge variable (X2) which has a t-count value of 3.241, so t-count> t-table, namely 3.241> 1.662, so there is a significant influence between community knowledge on the interest in saving at Islamic Banks in Muara Siau District, Merangin Regency. The joint influence of service quality and knowledge on the interest in saving at Islamic Banks in Muara Siau District, Merangin Regency, is known simultaneously based on the calculated F value, namely 14.323> 2.707 and the significance value is less than 0.05, namely 0.000 <0.05. So that the variables of service quality and community knowledge together have a significant influence on the interest in saving at Indonesian Islamic Banks in Muara Siau District, Merangin Regency.
Analisis Strategi Pengembangan Usaha Pondok Pesantren Dalam Upaya Mewujudkan Kemandirian Ekonomi Pesantren Dalam Perspektif Suistainable Development Goals (SDGS) Studi Kasus Pada Koperasi Pondok Pesantren Sa’adatuddarein Kota Jambi M. Marwan Mahdi; Rafiqi; Lucky Enggraini Fitri
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 1 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/tzve6p87

Abstract

This study aims to analyze the business development strategy of Pondok Pesantren Sa’adatuddarein Jambi City in an effort to achieve the economic independence of the Islamic boarding school from the perspective of Sustainable Development Goals (SDGs). This research employed a qualitative approach with a case study method at the Islamic Boarding School Cooperative (KOPONTREN) of Pondok Pesantren Sa’adatuddarein Jambi City. Data collection techniques were conducted through observation, in-depth interviews, and documentation involving cooperative managers, pesantren administrators, and business actors within the pesantren environment. Data were analyzed descriptively using qualitative analysis and strengthened by SWOT analysis through IFAS and EFAS matrices to identify internal and external factors in the development of pesantren business enterprises. The results of the study indicate that the business development strategy of KOPONTREN is implemented through strengthening institutional management, optimizing the internal resources of the pesantren, increasing students’ involvement in productive economic activities, and expanding business networks and partnerships. Based on the SWOT analysis, KOPONTREN is positioned in the aggressive strategy quadrant (growth oriented strategy), indicating that the pesantren possesses significant strengths and opportunities to develop its business sustainably. The development of the pesantren cooperative business contributes to supporting the economic independence of the pesantren and is relevant to the achievement of Sustainable Development Goals (SDGs), particularly SDG 1 (No Poverty), SDG 4 (Quality Education), and SDG 8 (Decent Work and Economic Growth).

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