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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 128 Documents
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Perilaku Keuangan Gen Z dalam Penggunaan Qris: Studi Kasus Mahasiswa Ekonomi dan Bisnis Universitas Mataram Novia Fitriani; Herlina Pusparini
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.28057

Abstract

This study aims to analyze the financial behavior of Gen Z in the use of Quick Response Indonesia Standard (QRIS) among students of the Faculty of Economics and Business, University of Mataram. The research method used was quantitative with a population of 3,070 active students from three undergraduate study programs: Accounting, Development Economics, and Management. The research sample was calculated using the Slovin formula and rounded up to 354 respondents. The results showed that the majority of students of the Faculty of Economics and Business, University of Mataram have adaptive and pragmatic financial behavior through the use of QRIS. Students from the three study programs, namely Accounting, Development Economics, and Management, showed a high level of acceptance with very low resistance. Development Economics students showed the most superior response compared to other majors, reflecting a higher readiness and enthusiasm in adopting digital technology to manage daily financial transactions. This finding is in line with the characteristics of Generation Z who quickly adapt to technological innovation and the digitalization of financial transactions. The positive acceptance of students indicates that the use of QRIS can be promoted more widely as an efficient, secure, and practical digital payment method. In addition, the results of this study serve as a basis for universities and digital service providers to design socialization programs and implementation strategies that support modern, adaptive, and efficient student financial behavior
Pengaruh Tingkat Pendidikan, Pendapatan dan Pengetahuan Produk Terhadap Minat Menjadi Nasabah Di PT Takaful Keluarga Serang Khusnul Khatimah; Suryani Suryani; Ikin Ainul Yakin
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.23987

Abstract

The purpose of this study is to identify the influence of education level, income, and product knowledge on the interest in becoming a customer at PT Takaful Keluarga Serang Branch. This study is a study that applies quantitative methods, uses primary data as a source of information, and relies on questionnaires for data collection. The sample selection was carried out by purposive sampling, for the number of samples in this study taking 90 respondents who were used as research samples based on the results of the calculation of the Slovin formula used. Data analysis techniques used include classical assumption tests, multiple linear regression tests, and hypothesis testing. The findings from partial hypothesis testing indicate that the variable of education level influences the interest in becoming a customer at PT Takaful Keluarga Serang Branch, as shown by the calculated t value of 3.155> t table 1.666 with a significance level of 0.002 <0.05. Income influences the interest in becoming a customer at PT Takaful Keluarga Serang Branch, as shown by the calculated t value of 3.020> t table 1.666 with a significance level of 0.003 <0.05. Product knowledge influences the interest in becoming a customer at PT Takaful Keluarga Serang Branch, as shown by the calculated t value of 2.562 > t table 1.666 with a significance level of 0.012 < 0.05
Konsep Riba dalam Transaksi Shopee Paylater Eko Andri; Ulya Hijrianti; Vinkan Kusdwiharyani; Muhammad Zaki; Mabruri Mabruri
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.29501

Abstract

This study aims to analyze the transaction mechanism of Shopee PayLater, understand the concept of riba in islamic economics, identify riba elements in Shopee PayLater, and examine the perspective of syaria fatwas and regulations on the service. The method used is library research with a normative approach. Data were collected from scientific journals, books, DSN-MUI fatwas, and OJK offisial documents, then analyzed  using content analysis. The results show that the Shopee PayLater mechanims applies a service fee of 2,95% per month, a heandling fee of 1% and a late penalty of 5%, which contain elements of riba al-qardh and riba al-jahiliyyah. In addition, theree is an element of gharar due to unclear information on penalties. DSN-MUI fatwa  No. .116/DSN-MUI/IX/2017 recognizes the qardh contract in sharia electronic money, but fatwa No. 19/DSN-MUI/IV/2001 emphasizes that and additional fee stipulated at the beginning of the conctract constitutes riba and is haram.. from a regulatory perspective, OJK throught SLIK records defaulting users as blacklisted, preventing them from accessing other loans. The implication of this research provides a comprehensive understanding that Shopee PayLater does not comply with sharia princiiples due to the presence of riba and gharar.
Assessing the Implementation of Amanah Principle in the Management of KIP-Kuliah Funds among Muslim Students Muhammad Rezeki Ritonga; Anriza Witi Nasution; Ahmad Kholil; Muhammad Zuhirsyan; Muhammad Zuardi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.26754

Abstract

This study aims to evaluate the implementation of the amanah principle in the use of Indonesian Smart Card for College (KIP-Kuliah) funds by Muslim students at the Medan State Polytechnic. The amanah principle is a fundamental value in Islamic teachings that emphasizes the importance of responsibility, integrity, and honesty in managing funds, including educational assistance funds. This study used a descriptive qualitative approach with data collection techniques including in-depth interviews, non-participatory observation, and documentation. The research informants were Muslim students receiving the KIP-Kuliah Islamic Finance and Banking Study Program, selected using purposive sampling. The results indicate that most students understand the importance of the amanah principle and strive to apply it in managing funds for academic needs. However, several obstacles were identified, such as the influence of a consumptive lifestyle, social pressure, and a lack of Sharia-based financial literacy, which impact optimal fund management. This evaluation emphasizes the importance of strengthening amanah values through Sharia-compliant financial training, character development, and more effective university oversight. This research is expected to provide evaluation material for program organizers and contribute to scientific research to strengthen the implementation of Islamic values in educational scholarship management.
Determinan Keputusan Pembelian melalui Kesadaran Halal: Studi Empiris terhadap Konsumen Muslim di Lima Restoran Sushi Jepang Provinsi DKI Jakarta Dian Nofiana
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.27828

Abstract

This study aims to analyze how halal product knowledge, halal certification, religiosity and electronic word of mouth indirectly through halal awareness, on purchasing decisions in sushi restaurants, both simultaneously and partially. This study also aims to identify the variables that have the strongest influence on purchasing decisions. This study uses primary data in the form of questionnaires containing statements related to the variables studied to Muslim consumers of five Japanese sushi restaurants in DKI Jakarta province as respondents. This study uses SEM-PLS analysis with a sampling technique using non-probability sampling with a purposive sampling method to 200 respondents, assisted by the SmartPLS 4 statistical tool. The results of this study indicate that the variables of halal product knowledge, halal certification and religiosity have a significant effect on halal awareness, while the electronic word of mouth variable does not. The results also show that the religiosity variable is the most influential or dominant variable on halal awareness and the halal awareness variable has a significant effect on purchasing decisions in Japanese sushi restaurants in DKI Jakarta province
Peran Literasi Keuangan dan Nilai Spiritual dalam Mewujudkan Kemandirian Finansial Mahasiswa Eka Amelia Nufika Sari; Ashari Lintang Yudhanti
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.26799

Abstract

This study aims to analyze students financial management based on financial literacy, planning, financial recording, as well as the influence of social and spiritual values, with reference to QS Al-Isra’ 26–27. The study employs a qualitative approach using in-depth interviews with five accounting students from various universities in Surabaya. Data were analyzed by identifying key themes related to financial literacy, recording practices, and the integration of social and spiritual values in personal financial management. The results show that most students possess a basic understanding of financial literacy but still face challenges in consistently applying financial planning and recording. Their sources of financial literacy information mostly come from social media platforms such as TikTok and YouTube. On the social dimension, some students set aside money for sharing with others, although not on a regular basis. Spiritual values also play an important role in financial management, encouraging students to be more cautious and to avoid wasteful spending. The findings indicate the need for more integrative financial literacy programs that combine practical approaches with the internalization of social and spiritual values, enabling students to manage their finances more wisely, responsibly, and in a well-planned manner
Strategi Digital Marketing Bank Syariah Indonesia dan Implikasinya terhadap Inklusi Keuangan Syariah Syf Miftahul Rahmah; Muhammad Zen; Fatmawati Fatmawati
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.29605

Abstract

This study aims to analyze the digital marketing strategies implemented by Bank Syariah Indonesia (BSI) and examine their implications for Islamic financial inclusion in Indonesia. This research employed a qualitative approach using a library research method. Data were collected from BSI annual reports, publications of the Financial Services Authority (OJK), Bank Indonesia reports, and relevant scientific literature related to digital marketing and Islamic financial inclusion. Data were analyzed using content analysis through the processes of data reduction, categorization, interpretation, and source triangulation. The findings indicate that BSI has implemented various digital marketing strategies through social media, official websites, BSI Mobile, QRIS, BSI Agen, and Islamic financial education content. These strategies contribute to improving Islamic financial inclusion through four dimensions, namely access, usage, quality, and trust. Digital marketing expands public access to information, strengthens Islamic financial literacy, builds trust in Islamic financial services, and encourages the adoption of digital financial services. The study also proposes a conceptual model showing that digital marketing influences Islamic financial inclusion through a gradual process involving information access, literacy enhancement, trust formation, and service utilization. The findings imply that digital marketing can serve as a strategic instrument for accelerating Islamic financial inclusion and supporting the sustainable development of the Islamic finance industry in Indonesia.
The Potential for Usury in The Implementation Of Tokopedia Card Transactions in E-Commerce Under Islamic Law Ahmad Nafhani; Yunita Dewi Septiana; Irfan Harmain; Gusti Fadhil Fithrian Luthfan
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 12 | No. 1 | 2026
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v1i1.26820

Abstract

This study aims to analyze the implementation and legal status of transactions using the Tokopedia Card on e-commerce platforms from an Islamic law perspective. With the rapid development of financial technology, co-branded credit card products like the Tokopedia Card have become increasingly popular. The research method used is qualitative, employing a fiqh muamalah approach, which examines the operational mechanisms and contracts associated with the product. The analysis focuses on the main features of the Tokopedia Card as a conventional credit card issued by Bank BRI, such as the interest system, late payment fees, annual fees, and rewards programs. The analysis reveals that the interest on outstanding balances and late payment fees clearly fall under the category of Riba an-Nasi'ah, which is absolutely prohibited in Islam. Although features such as annual fees can be considered as ujrah (service fees) and rewards as permissible gifts, this does not negate the riba element that is at the core of conventional credit card contracts. The underlying agreement requires customers to agree to a riba-based system, which fundamentally contradicts the principles of sharia transactions. In conclusion, the implementation of transactions using the Tokopedia Card is inconsistent with Islamic law principles due to its prohibited riba elements. Muslim consumers are advised to use alternative payment methods free from riba elements, such as debit cards, electronic money, or Islamic credit cards

Page 13 of 13 | Total Record : 128

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