Indonesian Journal of Islamic Economics and Business
Indonesian Journal of Islamic Economics and Business E-ISSN: 2540-9506 P-ISSN: 2540-9514 is the journal that concerns to publish broader issues on Islamic Economics and Business. It based on a presupposition that Islamic economics and Business is still on going process to be established. There is a need to serious study on not only limited to Islamic banking and financing system but also on philosophy, politic, environment, law, culture, ethics, management and entrepreneurship of ‘Islamic Economicsâ. The journal aimed at bridging and solving the dichotomy between ˜orthodoxâ and ‘heterodox problems of Islamic economics. So, the journal invites scholars who interesting in Islamic economics and Business contributes to submit their research article.
Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi
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Pemanfaatan Artificial Intelligence dalam Pengelolaan Risiko Keuangan Syariah
This study aims to explore the application of Artificial Intelligence (AI) in managing financial risks within Islamic finance, ensuring alignment with Sharia principles. The research employs a qualitative approach, utilizing a Systematic Literature Review (SLR) methodology based on the PRISMA framework, analyzing 45 scholarly articles from 2015 to 2024 sourced from databases such as Scopus and Web of Science, alongside primary data from annual reports of leading Islamic banks in Indonesia, Malaysia, and the Middle East. The findings reveal that AI enhances financial risk detection efficiency by 20%, reduces non-performing loans (NPLs) by up to 16.67% as demonstrated by Bank Muamalat Indonesia, and improves market risk management and Sharia compliance. Additionally, AI automates decision-making processes, cutting contract verification time by 25-40%, and supports maqasid al-shariah by optimizing zakat distribution and fostering financial inclusion, with a 15% increase in rural access in Nigeria. Regional case studies highlight Malaysia’s leadership in AI adoption and Indonesia’s challenges with digital literacy, while the Middle East leverages AI for liquidity resilience. The novelty of this research lies in its Sharia-based risk evaluation framework, integrating five dimensions—accuracy, efficiency, compliance, scalability, and social impact—providing a model for practitioners, academics, and regulators. The implications suggest that despite high implementation costs and skill gaps, government incentives and ethical oversight could drive sustainable AI integration, positioning Islamic finance as a competitive alternative in the digital era.
Copyright (c) 2025 Febriyani, Fauziyyah, Firman.A, Ade Hastuty http://creativecommons.org/licenses/by-sa/4.0
Analisis Faktor-faktor yang Mempengaruhi Minat Beli Asuransi Syariah dengan Brand Image sebagai Variabel Intervening
This study aims to assess the impact of Price, Product Suitability, and Service Quality of Sharia General Insurance on Purchase Intention, with Brand Image serving as an intervening variable. A quantitative approach is used in this research, employing accidental sampling, with 125 respondents from the Greater Jakarta area (Jabodetabek) who are already familiar with Sharia General Insurance. The data analysis method applied is path analysis. The results of hypothesis testing, as part of the inner model evaluation, show that the Price and Product Suitability variables do not significantly influence Purchase Intention, either directly or indirectly. In contrast, the Service Quality variable significantly affects Purchase Intention through Brand Image as an intervening variable. Service Quality also significantly influences Brand Image. The Brand Image variable, acting as an intervening variable in this study, is shown to have a significant impact on Purchase Intention. To enhance public interest in Sharia General Insurance in Jabodetabek, companies should focus on strengthening their Brand Image to improve recognition and trust among potential customers. Additionally, service quality should be enhanced by incorporating distinct Sharia characteristics, such as utilizing the Sharia ecosystem to provide added value for consumers.
Price, Product Suitability, Service Quality, Brand Image, Purchase Interest
Copyright (c) 2025 Annisa Anindya, Rijal Arslan, Kristiurman Jaya Mendrofa http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Right Issue Terhadap Likuiditas Saham Dan Abnormal Return Pada Saham Syariah Periode 2021-2023
This study aims to determine whether a right issue can affect stock liquidity and abnormal returns. The object of this study is a company listed on the Indonesian Sharia Stock Index that conducts a right issue. The type of research is quantitative. The sampling technique uses the purposive sampling method, obtained the number of samples that meet the criteria as a research sample of 15 companies that conducted a right issue in 2021-2023. The data used is secondary data in the form of the number of shares distributed in the right issue, stock prices, IDX composite. stock trading volume, and the number of shares outstanding before and after the announcement of the right issue. The method used in this study is event study. The data analysis technique was carried out using the structural equation modeling partial least square (SEM-PLS) method. Based on the tests that have been carried out, it shows that there is no significant effect of the implementation of the right issue on stock liquidity and abnormal returns on Islamic stocks in the 2021-2023 Islamic Stock Index.
Right Issue, Stock Liquidity, Abnormal Return.
Copyright (c) 2025 Ulil Albab Rahmatya, Romi Adetio Setiawan, Yetti Afrida Indra http://creativecommons.org/licenses/by-sa/4.0
Daya Saing Usaha Kecil dan Menengah (UMKM) di bidang kuliner di Era Digital dengan Pemanfaatan QRIS
In the midst of the rapid development of this digital age, technology has changed the way to communicate, especially in the culinary sector. The Indonesian Standard Quick Response Code (QRIS) comes as an effective digital payment solution, allowing micro, small, and medium enterprises (MSMEs) to conduct cashless transactions with just one QR code. QRIS implementation provides a number of benefits, including increased operational efficiency, transaction security, and expanded market reach. However, QRIS also faces several challenges, such as administrative costs, delays in fund disbursement, and low levels of digital literacy among businesses. To examine the impact of QRIS implementation on the competitiveness of culinary MSMEs, secondary data analysis from various reliable sources was conducted. The findings show that culinary MSMEs that use QRIS in the digital era are able to increase their sales and competitiveness.
QRIS, food and beverage MSMEs, digital payments, competition, digital knowledge.
Copyright (c) 2025 Hersia Oktaria Putri Adelia; Rahma Nurjannah, Cherly Puspita Sari, Maya Panorama http://creativecommons.org/licenses/by-sa/4.0
Revitalisasi Manajemen BUMDes untuk Peningkatan Perekonomian Desa Kelubir, Bulungan Kalimantan Utara
This research focuses on the revitalization of Village-Owned Enterprises (BUMDes) in Kelubir, Tanjung Palas Utara, Bulungan, North Kalimantan, which aims to improve the economic condition of the village. The research was conducted from October to December 2024, using descriptive qualitative methods to collect data through interviews, field notes and other documentation. The establishment of BUMDes MitraSejahtera Kelubir is anticipated to significantly impact the village government by increasing local revenue, developing local products, and improving Kelubir's overall economy. Despite the potential, BUMDes MitraSejahtera Kelubir faces several management challenges that require serious attention. Existing conditions reveal critical issues that hinder effective management and operational success. The study also highlights the importance of BUMDes as legal entities established by villages to manage businesses, utilize assets, and deliver public services, ultimately contributing to the welfare of village communities. The findings show that with proper management and support, BUMDes can create employment opportunities and reduce unemployment rates, thereby promoting economic growth in the village.
Revitalization, economic improvement, BUMDes
Copyright (c) 2025 Algin Deo Ginoki, Widwi Handari Adji http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Islamic Branding dan Streamer Product Knowledge terhadap Minat Beli Kosmetik Halal Dimediasi Kepercayaan
This study aims to analyze the influence of Islamic branding and streamer product knowledge on the purchase intention of halal cosmetics through live shopping, with trust as a mediating variable among Muslim consumers in East Java. This research uses a quantitative method, with primary data collected through online questionnaire distribution. The sampling technique employed was purposive sampling, involving 135 respondents. Data analysis was conducted using Structural Equation Modeling–Partial Least Square (SEM-PLS) with the SmartPLS4 software. The results show that (1) Islamic branding does not influence purchase intention, (2) streamer product knowledge positively influences purchase intention, (3) Islamic branding does not influence trust, (4) streamer product knowledge positively influences trust, and (5) Islamic branding and streamer product knowledge do not affect the purchase intention of halal cosmetics through trust as a mediating variable. These findings indicate that, in the context of live shopping, a streamer's product knowledge plays a crucial role in building consumer trust and encouraging purchase intention, whereas Islamic branding does not directly influence consumer purchasing behavior. This research provides valuable insights for the development of marketing strategies for halal cosmetic products, particularly in leveraging live shopping platforms to reach Muslim consumers.
Copyright (c) 2025 Dwi Nabilah Nur Utari, Khusnul Fikriyah http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Kualitas Produk dan Inovasi Produk terhadap Loyalitas Konsumen Mi Samyang dengan Kepuasan Konsumen sebagai Variabel Mediasi
This study aims to analyze the effect of Product Quality and Product Innovation on Consumer Loyalty of Samyang Noodles, with Consumer Satisfaction as a Mediating Variable among Muslim Consumers in East Java. This research employs a quantitative method, utilizing primary data obtained through an online questionnaire. The sampling technique used is Purposive Sampling, with a total of 121 respondents. Data analysis is conducted using the SmartPLS 4.0 application with the Partial Least Square (PLS) approach and Structural Equation Model (SEM). The results of this study indicate that (1) Product quality has no effect on consumer loyalty, (2) Product innovation affects consumer loyalty, (3) Product quality and product innovation influence consumer Satisfaction, and (4) Product quality and product innovation do not affect consumer loyalty through consumer Satisfaction as a mediating variable
Product Innovation, Product Quality, Consumer Loyalty
Copyright (c) 2025 Arinta Fara Agustine, Khusnul Fikriyah http://creativecommons.org/licenses/by-sa/4.0
Dampak UMKM Pempek Terhadap Pertumbuhan Ekonomi Kota Palembang: Peluang dan Tantangan
Pempek is a typical food of Palembang City that not only has high cultural value, but also plays a significant role in driving regional economic growth through Micro, Small, and Medium Enterprises (MSMEs). Pempek MSMEs make a real contribution to Palembang's Gross Regional Domestic Product (GRDP), with contributions from the food processing industry sector reaching around 7-10% during the 2022-2024 period. In addition to creating jobs for thousands of local people, these MSMEs also drive other economic sectors such as logistics, trade, and tourism. Great opportunities are open through local food consumption trends, government support, and the use of digital technology that allows for wider marketing. However, pempek MSME actors also face challenges such as limited capital, tight competition, constraints on distribution outside the region, and the low utilization of technology evenly. Therefore, by strengthening innovation, business training, and policy support, pempek MSMEs have the potential to continue to grow and become a pillar of the creative economy of Palembang City.
UMKM, Pempek, Economic Growth, Opportunity, Challenge.
Copyright (c) 2025 Heni Saputri, Tyara Zahrani, Desy Pusri, Nadya Wanda Haliza, Maya Panorama http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Investment Knowledge, Motivasi Investasi dan Manfaat Investasi Terhadap Manajemen Keuangan Pribadi Pegawai UINFAS Bengkulu
This study aims to analyze the influence of investment knowledge, motivation, and investment benefits on personal financial management of UINFAS Bengkulu employees. This study uses a quantitative approach with primary data collection techniques through questionnaires distributed to 80 respondents. Data were analyzed using multiple linear regression with the help of SPSS software. he results of the study indicate that partially, investment knowledge has a positive and significant effect on personal financial management, with a significance value of 0.009 (<0.05). Likewise, investment motivation also has a positive and significant effect partially with a significance level of 0.000. On the other hand, investment benefits do not show a significant effect partially, because they have a significance value of 0.127 (>0.05). However, simultaneously the three variables—investment knowledge, investment motivation, and investment benefits—have a positive and significant effect on personal financial management of UINFAS Bengkulu employees. This finding indicates that although investment benefits do not have an effect individually, these variables still make a positive contribution to the overall model. The results of this study provide implications that increasing investment knowledge and motivation is very important in supporting better personal financial management in higher education institutions.
Copyright (c) 2025 Sri Lestari, Yosy Arisandy, Padlim Hanif http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Pendapatan, Persepsi Risiko Dan Bias Overconvidence Terhadap Keputusan Berinvestasi Pada Pasar Modal Syariah
The purpose of this study is to find out and analyze the influence of income, risk perception, and overconfidence bias on the investment decisions of investors listed on the Indonesia Stock Exchange (IDX) in Bengkulu City. Investment decisions are an important aspect of the financial world, where various factors can influence a person in making decisions to invest. To test the influence of these three variables, this study uses a quantitative method with primary data collection techniques conducted through the distribution of questionnaires to 97 respondents who are IDX investors in Bengkulu City. The data obtained was then analyzed using multiple regression techniques with the help of the SPSS. Based on the results of the research and discussion, it was found that income did not have a significant influence on investment decisions, with a significance value of 0.063 which was greater than 0.05. Meanwhile, risk perception has a significant influence on investment decisions, with a significance value of 0.000 which is less than 0.05. In addition, the overconfidence bias also had a significant effect on investment decisions with a significance value of 0.007 which was smaller than 0.05. Thus, it can be concluded that risk perception and overconfidence bias have a significant impact on investors' investment decisions in the Islamic capital market, while income does not have a significant influence.
Copyright (c) 2025 Erti Agustina, Supardi Mursalin, Rizky Hariyadi http://creativecommons.org/licenses/by-sa/4.0
Analisis Kepatuhan Syariah pada Investasi Emas Kontemporer
The purpose of this research is two things. First, whether investment activities are under the nature of investment in Islam. Second, to investigate whether gold investment activities are following Islamic law, namely legal and lawful. An analytical method is the screening method, namely comparing the Islamic concept and the applied concept. The indicators are conformity with the concept of investment in Islam, the validity of the contract, characteristics of gold transactions that are following sharia, conformity with hoarding gold, and there is no price-fixing. The results of the analysis showed several findings. First, the Islamic investment concept different from the applied gold investment concept. Second, investment activities are trading and safekeeping gold which are legally valid. Third, in the gold savings account, there is a violation of sharia because the transaction is not a cash and the gold is fictitious. Fourth, if the activity of storing gold is to buy future needs, then it becomes halal. On the other hand, if there is no purpose for spending in the future, then it becomes haram. Fifth, there is a violation of the Shari'a in terms of price-fixing by a third party as a determinant of the price of gold.
Copyright (c) 2025 Arowadi Lubis, Abdul Haris http://creativecommons.org/licenses/by-sa/4.0
Pengaruh GCG, CSR, dan Intellectual Capital Terhadap Nilai Perusahaan dengan Investment Opportunity Set Sebagai Variabel Moderasi
This study aims to determine and analyze whether good corporate governance, corporate social responsibility, and intellectual capital affect firm value with investment opportunity set as a moderating variable. This type of research is quantitative research, using secondary data. The data analysis method used is panel data regression test. The population in this study are technology and telecommunications companies listed on the IDX in 2021-2023. The data collection technique in this study was purposive sampling method with the results of 65 research populations into 11 companies with 3 years of observation, so that as many as 33 data were processed in this study. The results showed that good corporate governance has a significant positive effect on firm value. Corporate social responsibility has a significant negative effect on firm value. Intellectual capital doesn’t affect firm value. Investment opportunity set is not able to moderate the effect of good corporate governance, corporate social responsibility and intellectual capital on firm value.
Copyright (c) 2025 Febiola Valentry, A Zuliansyah, Ujang Hanief Musthofa http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Harga CPO Dunia dan Kurs USD/IDR Terhadap Volume Ekspor CPO Indonesia Perspektif Ekonomi Islam
This paper analyzes the influence of global CPO prices and the USD/IDR exchange rate on Indonesia’s CPO export volume from 2013 to 2023 within the context of Islamic economics. Employing a quantitative approach, this paper utilizes Ordinary Least Squares (OLS) regression analysis on time series data sourced from BPS, GAPKI, Ditjenbun, Bank Indonesia, and IndexMundi. The results indicate that, partially, global CPO prices and the USD/IDR exchange rate do not have a significant effect on Indonesia’s CPO export volume, as evidenced by p-values greater than 0.05. Simultaneously, the F-test confirms that both variables do not have a significant impact. The coefficient of determination (R2 = 0.2819) suggests that only 28.19% of the variation in export volume can be explained by these two factors, while 71.81% is influenced by other variables not included in the model. From an Islamic economics perspective, justice (al-adl), transparency (as-shafafiyyah), and the prohibition of speculation (gharar and maysir) play crucial roles in ensuring fair trade practices in the CPO industry. This paper emphasizes the need for further research incorporating additional factors such as government policies, global demand, and production levels to develop a more comprehensive model. Furthermore, an in-depth exploration of Islamic trade principles and their application in the CPO sector is recommended to enhance the alignment of the industry with Sharia-compliant trade ethics.
Copyright (c) 2025 Nabila Salwanisa, Muhammad Iqbal Fasa, Agus Kurniawan http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Perceived Risk, Perceived Benefit dan Moderasi Word Of Mouth Pada Investasi Emas Digital
Digital gold investment is now increasingly in demand as one of the popular investment options. The development of technology has accelerated the flow of information to have an impact on understanding people's behavior in managing finances. Advances in financial technology (fintech) have encouraged the emergence of financial management, which not only functions as a means to meet needs, but also as a strategy to build and accumulate wealth by investing. This study uses quantitative research methods namely SEM (Strructural Equation Modelling) and inductive approach analysis of data collection with survey methods. The results of this study show that perceived risk has a positive and significant effect on behavior intention, which means that the higher the perceived risk, the greater a person's intention to behave in the context under study. Perceived benefit does not have a significant effect on behavior intention, so perceived benefits are not the main factor driving a person's intention to invest. WoM does not significantly weaken the relationship between perceived risk and behavior intention, which suggests that communication from others is not strong enough to reduce the impact of perceived risk on behavior intention. WoM also does not significantly strengthen the relationship between perceived benefit and behavior intention, which means that the influence of perceived benefits on behavior intention is not strengthened by recommendations or information from others.
Digital Gold, Perceived Risk, Perceived Benefift, Word Of Mouth
Copyright (c) 2025 Laila Ifti Faiyah, Adhe Pertiwi Mareta, Ridwansyah, Wan Ruslan Abdul Ghani, Muhammad Ryas Fatiha Kesuma, Nur Azizah Hasanah; Siti Aisyah Nuraini, Hengki Setiawan http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Biological Asset Intensity, Cash Holding, Dan Leverage Terhadap Biological Asset Disclosure
The Central Bureau of Statistics (BPS) notes that the agricultural sector has consistently contributed more than 10% to Indonesia's Gross Domestic Product (GDP) in the past decade, with the figure reaching around 12.53% in 2023. Biological assets are plants and animals owned by companies as a result of past activities and have the potential to provide economic benefits in the future. This study aims to analyse the effect of Biological Asset Intensity, Cash Holding, and Leverage on Biological Asset Disclosure. The population of this study are agricultural companies listed on ISSI in the 2017-2023 period. The sample in this study used purposive sampling, so that a total sample of 8 companies from 10 observation data was obtained. This study uses the classical assumption test and multiple linear regression analysis (MRL). The results in this study indicate that Biological Asset Intensity with a significant value of 0.047 and Leverage with a significant value of 0.004 has a positive and significant effect on Biological Asset Disclosure. While Cash Holding has a negative and insignificant effect on Biological Asset Disclosure with a significant value of 0.294. Simultaneously Biological Asset Intensity, Cash Holding, and Leverage have a positive and significant effect on Biological Asset Disclosure with a significance value of 0.000.
Copyright (c) 2025 Rizki Andriansyah, Nurlaili, Liya Ermawati http://creativecommons.org/licenses/by-sa/4.0
Analisis Pengaruh Inflasi, Investasi Syariah, Nilai Tukar dan Pembiayaan Syariah Terhadap Pertumbuhan Ekonomi
This study aims to analyse the effect of Inflation, Islamic Investment, Exchange Rates, and Islamic Financing on Economic Growth in Indonesia. This study uses monthly secondary data from 2012 to 2023 which is analysed using the Vector Error Correction Model (VECM) method. The results of the analysis show that inflation has a significant negative effect on economic growth in the long term and short term. Islamic investment affects economic growth in the long term positively and significantly, while in the short term it affects economic growth positively and insignificantly. The exchange rate has a significant negative effect in the short term and in the long term the exchange rate has a positive and insignificant effect on economic growth. Islamic financing has a significant negative effect in the long term and an insignificant negative effect in the short term. This research is expected to help policy makers, government and academics to stabilise the macroeconomy, strengthen the Islamic financial sector and increase the synergy between Islamic financing and the real sector in supporting sustainable economic growth.
Copyright (c) 2025 Lailisa Firda Sari, Silviana Pebruary http://creativecommons.org/licenses/by-sa/4.0
Can Price Drive Repurchase Intention?The Mediating Role of Customer Satisfaction in Skintific TikTok E-Commerce in Malang
This study examines the impact of price on repurchase intention, with customer satisfaction serving as a mediating variable, among Skintific consumers on TikTok E-commerce in Malang City. The research employs a quantitative approach using a survey method, targeting 180 respondents who meet specific criteria, including prior purchases of Skintific products via TikTok. Data were collected using a Likert scale questionnaire and analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that price significantly influences both customer satisfaction and repurchase intention, highlighting the importance of competitive and fair pricing. Additionally, customer satisfaction mediates the relationship between price and repurchase intention, underscoring its role in fostering consumer loyalty. This study contributes to the digital marketing literature by demonstrating the interplay between pricing strategies and consumer behavior on social commerce platforms. The results imply that businesses can enhance repurchase intention by maintaining price fairness and improving customer satisfaction. Furthermore, the study underscores the relevance of TikTok E-commerce as a platform for engaging young consumers, particularly in urban areas like Malang. The novelty of this research lies in its focus on the TikTok E-commerce environment, which has become a prominent channel for digital marketing in Indonesia. Future research could explore additional factors, such as brand loyalty or promotional strategies, to further understand consumer behavior in this context
Copyright (c) 2025 Salwa Nisrina Rochma, Vania Amelindha http://creativecommons.org/licenses/by-sa/4.0
Analysis Of Stall Rental Practices in Terms of Islamic Economics (Study at Panorama Market Bengkulu City)
This research aims to find out how the practice of renting stalls is in the Panorama Market, Bengkulu City in terms of Islamic economics. This type of research is field research with a descriptive qualitative approach. The research object is the Panorama Market, Bengkulu City. Research data collection techniques using observation, interviews and documentation. The data analysis technique for this research is descriptive qualitative. Qualitative research process is carried out using deductive techniques. The results of the research found that the practice of renting stalls at the Panorama market in Bengkulu City, the use of stalls as objects of use by traders for selling. Processing of stall benefits is only carried out on a lease basis between Panorama Market UPTD and traders. The rental agreement is made verbally. The stall rental fee is charged to the trader or stall renter in the amount of IDR 23. 000 per month rental payments are made every month and will be taken directly by the Panorama Market UPTD. Implementing the agreement, as many as 70% of traders or stall renters neglected to pay rental fees, payments were made negligently, not according to the promised due date and were made continuously. so that it is detrimental to Panorama Market UPTD. There is injustice in fulfilling the rental payment agreement, because they do not carry out the rental payment agreement honestly (sidiq) and responsibly (amanah). Economic actors are not allowed to pursue personal gain if it harms other people
Leasing Practices, Islamic Economics, Bengkulu City Panorama Market
Copyright (c) 2025 Diah Sri Yuningsih -, Supardi Mursalin, Andi Cahyono http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Literasi Keuangan, Sistem Informasi Akuntansi dan Penggunaan Sosial Media Terhadap Efektifitas Kinerja UMKM
This research aims to analyze the influence of financial literacy, accounting information systems and social media on the effectiveness of MSME performance. Improving the effectiveness of MSME performance is very important because MSMEs have a large contribution to the Indonesian economy, one of which is Wonosobo Regency. Financial literacy, accounting information systems and the use of social media are predicted to be factors that influence increasing the effectiveness of MSME performance. The sample in this research was 100 MSMEs in Wonosobo Regency, Central Java. Research data was obtained by distributing questionnaires and using the purposive sampling method. The results of this research state that financial literacy does not have a positive effect on the effectiveness of MSME performance, while accounting information systems and social media have a positive effect on the effectiveness of MSME performance. Financial literacy, accounting information systems and social media can help MSMEs innovate, optimize the use of financial resources and improve performance.
Copyright (c) 2025 Hanifah Aprilia; Sulastiningsih http://creativecommons.org/licenses/by-sa/4.0
Strategi Bank Indonesia dalam Mengakselerasi Ekonomi Syariah Melalui Program Pengembangan Kemandirian Ekonomi Pesantren
This study aims to analyze Bank Indonesia's strategy in accelerating Islamic economics through the economic independence development program for Islamic boarding schools (pesantren) in Bengkulu Province. The research method used is qualitative with a descriptive approach. The findings indicate that Bank Indonesia has successfully strengthened the role of pesantren in the halal product ecosystem by providing support in the form of training, production equipment, and marketing. The pesantren involved have successfully developed their business units. This program has also improved Islamic financial literacy among pesantren and students, while providing entrepreneurial skills. The implications of this study highlight the importance of collaboration between Bank Indonesia, pesantren, and strategic partners to accelerate the development of Islamic economics. This research offers new insights by emphasizing the role of pesantren in the development of Islamic economics at the local level, which can contribute to the national economy.
Copyright (c) 2024 Indonesian Journal of Islamic Economics and Business http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Nilai Tukar, Harga dan Total Produksi terhadap Ekspor Crude Palm Oil (CPO) Sawit di Provinsi Jambi Periode 2013-2022
The aim of this research is to analyze the price of CPO, the amount of production and the value of CPO exports in Jambi Province. This type of research is a form of research that is descriptive and associative. This research explains the influence of the independent variables, namely CPO price data (X1) and production quantity (X2) on the dependent variable, namely export value (Y) in Jambi Province for the 2013-2022 period. This research method is oriented towards secondary data analysis, obtained from the Jambi Province Plantation Service, Jambi Province Central Statistics Agency (BPS) Website, Bank Indonesia Website, World Bank Website, literature, library studies and sources that are related to the research object. The analysis technique uses multiple linear regression. Partial research results show that the development of Jambi Province's CPO export value, rupiah exchange rate, CPO price and production quantities tend to fluctuate every year. The CPO price variable has a positive and significant effect on the value of CPO exports in Jambi Province, the exchange rate variable has a negative and insignificant effect on the value of CPO exports in Jambi Province, while the amount of production has a positive and significant effect on the value of CPO exports in Jambi Province. Together they have a significant effect on the CPO export value of Jambi Province, amounting to 87.5 percent.
Implementasi Nilai Religius, Moral Etika dan Tradisi dalam Manajemen: Sebuah Tinjauan Literatur
This research aims to understand how the application of religious, moral/ethical and traditional values affects organizational performance. It also explores the challenges faced by managers in implementing these values in management practices, as well as how these values can shape an organizational culture that supports sustainability and business ethics. This research uses a qualitative approach, with the Grounded Theory method to develop theories based on empirical data collected. Data collection techniques included interviews, observations, and document analysis, focusing on the phenomenon of applying religious, moral/ethical, and traditional values in the organization. The results show that religious, moral/ethical, and traditional values contribute significantly to improving organizational performance. Religious values such as honesty, justice, and responsibility create a harmonious and productive work environment. Morals/ethics support customer and stakeholder trust, while tradition strengthens organizational culture and employee loyalty. The results show that religious values, morals/ethics, and traditions contribute significantly to improving organizational performance. Religious values such as honesty, justice, and responsibility create a harmonious and productive work environment. Morals/ethics support customer and stakeholder trust, while traditions support organizational performance.
Religious values, moral, ethics, tradition
Analisis Tingkat Efisiensi dan Produktivitas Perbankan di Indonesia Ketika dan Setelah Pandemi Covid 19
This study attempts to ascertain the productivity and efficiency levels of eight Islamic banks and eight conventional banks in Indonesia during and after the COVID-19 pandemic. Using Data Envelopment Analysis (DEA) and Malmquist's Productivity Index (MPI), this study's input factors include labor expenses, assets, financing and revenue, and Third Party Funds (DPK). The findings indicate that the highest degree of efficiency has been effectively maintained by Bank Mandiri, BTN, BTPN, KB Bank Syariah, and BVS. Following the Covid-19 epidemic, BNI was the only bank to see an derivation in performance. Potential improvements in labor cost and revenue management were identified in a number of institutions by the Total Potential Improvement analysis .However, the MPI investigation demonstrates that banks such as BTPN and MEGA have seen notable boosts in productivity due to their successful adoption of digital technology. All things considered, this study demonstrates how the COVID-19 pandemic has affected Indonesian banks' performance. While some banks have maintained or even increased productivity, banks still face substantial hurdles in terms of profitability and efficiency. These findings suggest that in order to meet upcoming difficulties, operational efficiency gains and technology breakthroughs are essential.
Correlation Analysis of Economic Growth with social conflict in Jambi Province 2010 - 2022
This study aimed to analyze economic growth's correlation with social conflicts in Jambi Province between 2010 and 2022 using quantitative descriptive analysis. Secondary and primary data were analyzed using Pearson Product Moment Correlation with SPSS 25. The analysis showed that the correlation between GRDP and social conflict in Jambi Province is 0.869 and the two variables have a perfect positive linear correlation. Kerinci district has a high, perfect, positive, linear correlation of 0.912. Merangin district indicated -0.028, implying no correlation and that the two variables are opposite. Furthermore, the Sarolangun district showed 0.352, indicating a weak but positive linear correlation. Batang Hari district showed 0.652, implying a high unidirectional correlation. Muaro Jambi district indicated 0.919, or a very high, positive, and perfect linear correlation. Tanjung Jabung Timur district showed 0.540, meaning the two variables have a moderate, positive, and perfect linear correlation. Tanjung Jabung Barat district obtained 0.827, meaning the two variables have a very high and positive perfect linear correlation. Tebo district showed 0.801, implying a high and positive perfect linear correlation between the two variables. Furthermore, Bungo district indicated 0.473, meaning the two variables have a moderate and positive perfect linear relationship. Jambi City achieved 0.658, implying a high and positive perfect linear correlation. Sungai Penuh City indicated 0.612, meaning the two variables have a high and perfect positive linear correlation. A positive correlation means that conflict intensity increases with GRDP.
Peran Zakat Dalam Mendukung Program Sustainable Development Goals Pada Baznas Kota Jambi
Zakat is an Islamic philanthropy and can be said to be one of the instruments that has a strategic role and contribution to the achievement of Sustainable Development Goals or sustainable development. The intersection between Sustainable Development Goals and zakat is united with the goal of poverty alleviation, including hunger in this world in various forms. Many ideas and concepts have emerged trying to connect one point of the Sustainable Development Goals with the definition of zakat, especially from the perspective of beneficiaries and the scope of zakat. Therefore, this study discusses how the implementation and role of zakat in supporting the Sustainable Development Goals program. The research method used is a qualitative research method. The results of the study show that the implementation of zakat carried out by BAZNAS Jambi City has been fully distributed to the mustahik through the implementation of the BAZNAS Jambi City work program. This indicates that zakat managed by BAZNAS Jambi City fully supports the Sustainable Development Goals program, as evidenced by the existence of superior programs from BAZNAS Jambi City. The programs distributed by BAZNAS Jambi City are Jambi Peduli, Jambi healthy city, Jambi clean city, Jambi pious city and independent Jambi. From the flagship programs of BAZNAS Jambi City, in the calculation of the overall SDGs index, it has a very good contribution value. In other words, the zakat distributed by BAZNAS Jambi City provides support for the Sustainable Development program in Jambi City, although the support is not yet significant.
Strategi Produktivitas Lahan Persawahan dalam Mendukung Swasembada Pangan di Kabupaten Kerinci
This study aims to see the productivity of rice fields in Kerinci district to formulation the productivity of rice fields in Kerinci district and the factors that influence the productivity of rice fields in Kerinci district. The study uses qualitative and quantitative research approaches. Qualitative research is used to collect data related to the development of rice fields and factors that influence the productivity of rice fields. Quantitative research is used to see the influence of factors that influence the productivity of rice fields in Kerinci district. Data collection uses observation, interview, documentation and questionnaire distribution methods using 100 snowball sampling samples. The results of the study show that many unproductive rice fields in Kerinci district are located in Batang Merangin, Bukit Kerman, Danau Kerinci, Gunung Raya sub-districts. The influencing factors are natural resources, labor, capital and entrepreneurship. The contribution of the influence of the variable model is 70.5% while 29.5% is determined by variables not included in this study. Qualitatively, the causes of unproductive rice fields are influenced by natural resources, damaged irrigation, increases in labor wages and workers switching to working on plantations, increases in fertilizer prices and economically, plantation businesses are considered more profitable than businesses in rice fields.
Filantropi Islam di Minangkabau: Membentuk Solidaritas Sosial Melalui Adat dan Agama
This research focuses on Islamic philanthropy in Minangkabau and its contribution to building social solidarity through the integration of local customs and religion. The method used is a literature review, collecting data from relevant articles, books, and case studies. The purpose of this study is to explore how Minangkabau traditional values, such as "gotong royong" (mutual cooperation) and "badunsanak" (kinship solidarity), play a role in facilitating philanthropic practices. The findings indicate that these local traditions, combined with Islamic teachings, strengthen social bonds and enhance community welfare. Furthermore, the role of women in managing family resources and the contributions of organizations like Muhammadiyah and Nahdlatul Ulama help reinforce structured philanthropic practices. Education in Islamic boarding schools (pesantren) also plays a crucial role in instilling philanthropic values in the younger generation. In conclusion, Islamic philanthropy based on local customs in Minangkabau not only strengthens social solidarity but also contributes to poverty alleviation and community well-being.
Islamic Philanthropy, Minangkabau, Social Solidarity, Customs, Religion
Pengaruh Pemasaran Syariah Offline dan Online terhadap Loyalitas Pelanggan dalam Mengkonsumsi Produk Halal Bermerek Wardah
This study aims to determine the effectiveness of Offline Sharia Marketing and Online Sharia Marketing on Customer Loyalty in consuming Wardah branded halal products. Offline Sharia Marketing is introducing products indirectly with the media used such as newspapers, pamphlets, slayers and brochure brochures. On the other hand, online marketing uses digital technology to promote products or services that are targeted, iteractive and measurable. The main purpose of internet marketing was to promote products, increase referrals and increase traffic through various online marketing techniques. The data analysis method uses the Classical Assumption Test which is then carried out using SPSS 20. The research results indicate that both offline and online sharia marketing have a significant influence, whether individually or collectively, on Wardah customers' loyalty in consuming branded halal products. Marketing strategies based on sharia principles are considered effective in enhancing customer loyalty by incorporating Islamic values and utilizing relevant media platforms.
Pengaruh Fluktuasi Harga, Kualitas Produk dan Kondisi Cuaca Terhadap Pendapatan Usaha Garam di Madura
This study aims to analyze the impact of market price fluctuations, product quality, and weather conditions on salt business income in Madura. This study uses a quantitative approach with a multiple linear regression method to determine the influence between these variables. Primary data was obtained through direct surveys to salt farmers in Sumenep, while secondary data was obtained from the coordinator. The sample used in this study was 90 respondents, using the calculation of the solvin formula with a population of 880 farmers. The results of this study show that salt business income in Madura has a significant effect both partially and simultaneously by price fluctuations, product quality and weather conditions
Konsep Pembiayaan Mobil Listrik di Indonesia
This study examines the concept of electric vehicle (EV) financing in Indonesia within the context of environmental sustainability and Sharia principles, using a library research method that analyzes relevant literature such as journals, institutional reports, and government policies. The findings reveal that although EV financing contributes only a small portion to total vehicle financing around 0.5% as of early 2024significant growth has been observed, supported by government incentives, environmental awareness, and innovations from financial institutions like Bank Syariah Indonesia (BSI) through the use of the murabahah contract. Despite challenges such as limited charging infrastructure, high vehicle costs, and an underdeveloped financing ecosystem, substantial opportunities exist due to increasing EV sales and the commitment of the government and financial institutions to support the transition toward green energy. This study provides a perspective that EV financing can be a vital instrument in achieving sustainability goals aligned with Sharia principles.
Financing, Electric Vehicles, Environmental Sustainability