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Studia Economica: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Sumatera Utara
ISSN : 23032618     EISSN : 28094964     DOI : 10.30821/se.v8i2
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Aims and Scope Aims STUDIA ECONOMICA is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. Scope The scope of STUDIA ECONOMICA are but strictly limited to: islamic economics; islamic banking and finance; islamic economic management; islamic economics law; management Zakat, Infaq, Shodaqoh, and Waqf; islamic entrepreneurship and business; islamic economics thought; islamic capital market
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 10 Documents
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Search results for , issue "STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024" : 10 Documents clear
Eksistensi Bisnis Konter Pulsa di Tengah Persaingan Era Digital Khadijah, Siti; Luqman, Luqman
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20935

Abstract

Research This research aims to examine the existence of the pulse counter business in the midst of the digital era. competition in the digital era. The focus of the research includes effective business strategies, market opportunities, and challenges faced. Descriptive qualitative method method was used with in-depth interviews, participatory observation, and document analysis at Indra's Pulse Counter in Pontianak. document analysis at Indra's Pulse Counter in Pontianak. The results of this study show the importance of service diversification and utilization of digital technology to improve operational efficiency and competitiveness. The main challenges include competition with digital platforms and declining pulse sales. Research identified that collaboration with telecommunications operators and customer service improvements are key strategies to maintain relevance of the pulse counter business. This research provides important insights into the adaptation of traditional businesses in the digital era, showing that despite the changing technology changes the market landscape, pulse counters remain relevant through service innovation and effective communication with customers. services and effective communication with customers. The findings are expected to can serve as a reference for businesses in designing strategies that are adaptive to technological developments and consumer needs. to technological developments and consumer needs.
Integrasi Prinsip ESG (Environmental, Social, Governance) Dalam Perbankan Syariah Purwanto, Hery
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21738

Abstract

This study aims to examine the incorporation of Environmental, Social, and Governance (ESG) principles in sharia banking through a qualitative approach based on library research. The research literature is utilized to explore theories, policies, and literature related to ESG implementation in the Islamic banking sector, drawing from various sources such as academic articles, industry reports, and relevant regulations. ESG has emerged as a global trend, urging financial institutions to embrace socially responsible practices. Islamic banking inherently aligns with ESG principles, encompassing values such as justice, social responsibility, and good governance. Despite the harmony between sharia and ESG, this research identifies several challenges in implementing ESG in sharia banking, including compliance with specific regulations, inadequate impact measurement tools, and instances of greenwashing that focus more on specific products like green sukuk and ESG integration. However, there exists a significant opportunity for Islamic banking to enhance ESG integration through the innovation of ESG-based financial products, such as productive waqf, which can support sustainable social and environmental projects. This research provides an original contribution by critically analyzing the challenges of ESG implementation in Islamic banking and offering recommendations to surmount these obstacles. The novelty of this research lies in uncovering the potential for broader ESG implementation in sharia-compliant banking, involving regulators, industry, and society as the main stakeholders. Recommendations also include the development of a more specific regulatory framework and incentives for Islamic banking to comprehensively integrate ESG.
Implementasi Akuntansi Pesantren Berbasis ISAK 35 di Madura Aulia, Fena Ulfa; Kulsum, Ummu; Laila, Nur; Wulandari, Sitti
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21396

Abstract

This research aims to identify and explore the extent to which Islamic boarding school accounting implementation in Madura is in accordance with ISAK 35 standards. Madura is known as a religious island with a majority Muslim population that still upholds religious values, besides being known as the religious island of Madura, it is also known as the island of santri, Due to the large number of Islamic boarding schools being established, currently the number of Islamic boarding schools in Madura is 1,386. In general, Islamic boarding schools in Madura are established in the form of foundations which are a form of non-profit organization founded by the community or a group of people and whose main aim is to provide social services without focusing on achieving profits. This research uses a descriptive qualitative approach, with primary data obtained through interviews and triangulation methods. This study was conducted at three Islamic boarding schools in three districts in Madura. The research results show that the three Islamic boarding schools have not implemented Islamic boarding school accounting in accordance with ISAK 35. The financial reports prepared are still simple and do not follow established accounting standards. In conclusion, the implementation of Islamic boarding school accounting in Madura is implemented differently with different formats in each Islamic boarding school because it does not yet refer to ISAK 35 due to limited human resources and unknowledge of Islamic boarding school administrators regarding accounting science
The Influence of Financial Knowledge and Islamic Behavior on Students' Interest in Sharia Investment Yuni K, Kusnul Ciptanila; Wahyudi, M. Adi Trisna; Musfiroh, Anita; Ali, Mohammad Haidar; Hidayat, Nurul; Dardiri, Masyhudan
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21717

Abstract

This research explores the impact of financial knowledge and Islamic Behavior on students' investment interests in Islamic capital markets. The quantitative research method uses a questionnaire distributed online to students of the class of 2019-2023 at Hashim Ashari University's Faculty of Economics, with up to 80 participants participating. The study revealed that students' investment interest in the Islamic capital market is not significantly influenced by their financial knowledge but rather by the impact of their Islamic Behavior. This was demonstrated through an analysis. At the same time, financial expertise and Islamic Behavior influence students' interest in investing in Islamic capital markets. This finding is essential for understanding what drives business students' interest in investing in Islamic capital markets and how this affects the development of financial education programs and academic Behavior toward Islamic finance. The results of this study are intended to help develop more effective educational and promotional strategies to increase students' interest in investing in Islamic capital markets.
Analysis of the Public's Understanding Level Towards the Concept and Purpose of Zakat in the Modern Era Zulinda, Nia; Elisa, Ema; Gunawan, Muhammad Wawan
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20546

Abstract

This research aims to analyze the public's understanding of the concept and objectives of zakat in the current modern era. This type of research is descriptive in nature, employing a qualitative approach, where it provides descriptive data on how the observed individuals speak, write, and behave. The results showed that the people already know and understand the purpose of paying zakat. Several factors influencing public understanding include zakat payments, the role of BAZNAS (National Amil Zakat Agency), zakat payment objectives, and zakat distribution. When it comes to paying zakat, people prefer to do so at mosques. The role and functions of BAZNAS are still unknown to the majority of the public due to a lack of socialization and related information. Nevertheless, people already have a thorough understanding of why they pay zakat. Regarding zakat distribution, the community believes that zakat administrators, especially those serving at the mosques where they pay zakat, are fair and accurate in distributing zakat to the deserving recipients (mustahiq). Keywords: Zakat; Public Understanding; BAZNAS
Analisis Asuransi Produk Pembiayaan Rumah Subsidi Di Pt Bank Sumut Unit Usaha Syariah Ivanka, Meitia; Syahriza, Rahmi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20598

Abstract

This study aims to analyze the implementation of insurance in subsidized housing financing products at PT Bank Sumut Unit Usaha Syariah. The need for adequate and affordable housing is one of the basic needs that must be met, and the Indonesian government strives to increase access to homeownership for low-income communities through various housing subsidy programs. An important instrument in subsidized housing financing is the role of financial institutions, including Islamic banks, which provide financing products according to sharia principles. PT Bank Sumut Unit Usaha Syariah offers subsidized housing financing products designed to help low-income communities own homes easily and in accordance with sharia financial principles. This research employs a descriptive qualitative approach using a case study method, with data collected through in-depth interviews with product managers, insurance staff, and customers, as well as observations at the research location and analysis of related documents. The results indicate that insurance in subsidized housing financing products provides protection against credit risk and financial losses for both the bank and customers, increases customer trust, and facilitates the financing process. However, challenges remain, such as customers' low understanding of the benefits of insurance and the perception that the claims process is complicated.
Peran Akuntan Dalam Era Digital: Transformasi Profesi Dan Keterampilan Baru Dalam Menghadapi Teknologi Dan Tuntutan Pasar Ningrum, Wulan Wahyu; Oktavia, Sarah; Jayanti, Fitri
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20343

Abstract

This paper aims to explore the impact of digital technology on the accounting profession and analyse the new skills required to meet the challenges. In the rapidly evolving digital era, the role of accountants has undergone significant transformation along with the penetration of technology in business practices. Through an in-depth literature review, this research reveals how automation, big data analytics and artificial intelligence have changed the accounting landscape. In addition, this research also highlights the importance of new skills such as data analysis, communication, risk management in navigating this digital era. The result in this study is that the role of accountants in the digital era has undergone a significant transformation. In the future, the accounting profession will be increasingly linked to technological developments. Although technology can automate administrative tasks, the role of accountants will become more focused on strategic analysis and business consulting. Although technology can replace tools, the role of humans in professional judgement remains irreplaceable due to the complexity of professional judgement required
Peran Bumdes Dalam Meningkatkan Kesejahteraan Masyarakat Menurut Perspektif Ekonomi Islam Irmayanti, Adek; Hakim, Andy; Lubis, Muhlisah
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21500

Abstract

This research was carried out on the basis of describing the Role of Village-Owned Enterprises (BUMDes) in improving community welfare according to the perspective of Islamic economics (Case study on BUMDes Sibanggor Jae mineral water. The reason for taking the case study was in Sibanggor Jae Village, Puncak Sorik Marapi District, Mandailing Natal Regency, which is one of the villages that operate BUMDes. This research was conducted from October 2023 to July 2024. This research method uses a qualitative approach where this research describes and explains and interprets the object as it is. Data validation was carried out by digging information from several informants directly related to the Mineral Water BUMDes.  In addition, the researcher also made direct observations at the research location to verify the data to compare the data obtained from the informants in line with the data or different. As a result of this study, the author concludes that the role of BUMDes
Pengaruh Celebrity Endorser, Label Halal, dan E-WoM terhadap Keputusan Pembelian Kosmetik Scarlett Whitening dengan Minat Beli sebagai Variabel Mediasi Nisa`, Maulida Khoirotun; Guritno, Agung
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20486

Abstract

This research aims to examine the Influence of Celebrity Endorser, Halal Label, and E-WoM on Purchase Decision Mediated by Purchase Interest. This study applies a quantitative method with primary data type and purposive s ampling as the sampling technique. The research was conducted by distributing questionnaires in the form of Google Form through direct links or using QR Codes with a sample size of 210 respondents. Testing was conducted using classic assumption tests, model accuracy tests, and hypothesis tests. The data were analyzed using SPSS version 29. The results of the t-test show that celebrity endorser significantly and positively influences purchase interest, while halal label and E-WoM have a positive but non-significant effect on purchase interest. Additionally, the t-test results indicate that celebrity endorser, halal label, and E-WoM significantly and positively influence purchase decisions. Meanwhile, the Sobel test results show that purchase interest can mediate the influence of celebrity endorser on purchase decisions, but purchase interest cannot mediate the influence of halal label and E-WoM on purchase decisions
Pengaruh Kinerja Keuangan Terhadap Harga Saham Pada Perusahaan Yang Terdaftar di JII Periode 2020-2023 Mu'izzah, Hasna Nur; Salsabila, Nilna Filaili
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20651

Abstract

The main objective of this research is to understand how the financial performance of the company listed on JII affects its stock price. The data used comes from the 2020–2023 fiscal year and was tested using classical assumption, linear regression, and hypothesis tests. The statistical tool SPSS 20 was used to conduct this research. The results of this research show that CR has a positive significant effect on stock prices with a significance level of 0.001 < 0.05 and a t-value measured > table t-value (3,581 > 2,048). On the other hand, ROE does not show statistical significance with a significance value of 0.513 > 0.05 and a calculated t-value less than the table t-value (0.663 < 2.048). The TATO variable has a statistically significant negative effect on stock prices (p = 0.024 < 0.05) and a t-value between -2,390 and 2.048. Before making an investment in an equities token on the modal market, investors may use this study to gauge the company's financial performance

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