Jurnal Ilmiah Ekonomi Islam
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Pengaruh Halal Knowledge dan Halal Awareness Daging Sapi Segar Tanpa Kemasan Terhadap Keputusan Pembelian
No full textThe halal certification process for fresh beef faces challenges due to many non-certified slaughterhouses, as seen in Bondowoso Regency, which has a large cattle population but lacks halal certification. The objective of this study was to ascertain the impact of halal knowledge and awareness on purchasing decisions for fresh, unpackaged beef in the Bondowoso Regency area. Total 98 respondents were selected using the purposive sampling method. The collected data is statistically analysed through a descriptive analysis, research instrument testing, classical assumption testing, and multiple regression analysis. The findings revealed that the majority of respondents were civil servants, with an average education level of a bachelor's degree, and the majority fell within the 21-36 age range. The results of the F-test indicated that the calculated F-value (35.543) was greater than the tabulated F-value (3.09), thereby rejecting the null hypothesis. Similarly, the results of the t-test indicates that both variables exert a considerable positive influence on purchasing decisions for fresh, unpackaged beef products, with a total impact of 41.6%. The findings of the research indicate that halal knowledge and halal awareness have a significant impact on the purchasing decisions of consumers for unpackaged fresh beef products
Pengaruh Pendapatan, Literasi Keuangan, dan Pengetahuan Investasi terhadap Minat Investasi Syariah di Kecamatan Kartasura Sukoharjo
Full text linkThis research aims to determine the influence of income, financial literacy, and investment knowledge on interest in sharia investment in Kartasura District. This research is quantitative research that uses primary data with data collection techniques using questionnaires distributed randomly to 100 respondents. This research uses a descriptive statistical data analysis method with the help of IBM SPSS Statistics version 23 software and hypothesis testing is carried out using a partial test (t test) with a significance level of 5%. The results obtained from the partial test (t test) are that income has no significant effect on interest in sharia investment in Kartasura District. Meanwhile, financial literacy and investment knowledge have a partially significant effect on interest in sharia investment in Kartasura District
SUSTAINABLE DEVELOPMENT GOALS 8: THE IMPACT OF NUTRITIONAL DEFICIENCIES ON ECONOMIC PRODUCTIVITY IN MEMBER COUNTRIES OF THE ORGANIZATION OF ISLAMIC COOPERATION
No full textThe Sustainable Development Goals (SDGs) are a contemporary issue of global concern, and an exploration of them is urgently needed in the current era. Therefore, this study aims to analyze the SDGs by focusing on analyzing the effect of malnutrition on economic productivity in the Organization of Islamic Cooperation (OIC) member countries. The methods used in this study are Fully Modified Ordinary Least Square (FMOLS) and Dynamic Ordinary Least Square (DOLS). This is used to analyze how much long-term influence is formed. The data used is panel data of 35 OIC member countries from 2001 to 2022 and is divided into several model categories, namely low income, lower middle income, upper middle-income and high income countries models. The results show that in the long run, malnutrition has a significant negative effect on economic productivity and the largest effect is on countries in the lower middle-income category.Tujuan Pembangunan Berkelanjutan (SDGs) merupakan isu kontemporer yang menjadi perhatian global, dan eksplorasi terhadapnya sangat dibutuhkan di era saat ini. Oleh karena itu, penelitian ini bertujuan untuk menganalisis SDGs dengan berfokus pada analisis pengaruh malnutrisi terhadap produktivitas ekonomi di negara-negara anggota Organisasi Kerjasama Islam (OKI). Metode yang digunakan dalam penelitian ini adalah Fully Modified Ordinary Least Square (FMOLS) dan Dynamic Ordinary Least Square (DOLS). Hal ini digunakan untuk menganalisis seberapa besar pengaruh jangka panjang yang terbentuk. Data yang digunakan adalah data panel 35 negara anggota OKI dari tahun 2001 sampai dengan 2022 dan dibagi menjadi beberapa kategori model, yaitu model negara berpendapatan rendah, berpendapatan menengah ke bawah, berpendapatan menengah ke atas, dan berpendapatan tinggi. Hasil penelitian menunjukkan bahwa dalam jangka panjang, malnutrisi berpengaruh negatif signifikan terhadap produktivitas ekonomi dan pengaruh terbesar terjadi pada negara dengan kategori lower middle incom
A Working Wife: An Islamic Economic Perspective on Women’s Economic Participation in Household and Workforce
Full text linkThis research explores and analyzes the role of working wives in Indonesia from an Islamic economic perspective, focusing on their dual economic participation in both the household and the workplace. This research employs a library research design that relies on the collection and analysis of existing data and literature. Islamic teachings emphasize women's essential roles in both family and society, encouraging their participation in education, business, and public life within ethical boundaries. Historically, Islamic law granted women rights such as property ownership and financial independence, as seen in the example of Khadijah, the Prophet Muhammad’s wife. However, patriarchal cultural practices have often limited these rights. Despite this, Islamic economics supports women's economic engagement through principles like adl (justice), maslahah (public welfare), and Khilafah (stewardship), promoting equality and shared responsibility in managing resources. Women in Muslim societies face challenges such as societal norms that prioritize domestic roles, and limiting access to education, employment, and leadership positions. Balancing work and home responsibilities creates a "double burden," compounded by a lack of supportive workplace policies and gender biases in male-dominated industries. To overcome these barriers, comprehensive legal reforms and inclusive policies are necessary. Islamic economic principles offer a framework for women’s empowerment, promoting their involvement in the workforce and entrepreneurship through policies ensuring equal access to education, fair wages, and opportunities. Islamic teachings also support women’s rights to property, inheritance, and financial independence, fostering an inclusive society. These principles guide policies that ensure justice and equity, addressing gender disparities and enabling women to contribute to societal and economic development. In Indonesia, women contribute significantly to household economies through activities like managing finances and running small businesses. In the workforce, women are increasingly active in diverse sectors, though challenges like gender pay gaps and limited leadership representation persist. Islamic economic values guide efforts toward fairness and inclusivity, with organizations supporting women's empowerment through education, microfinance, and vocational training. Holistic empowerment, combining economic, educational, and social well-being, allows women to contribute meaningfully to both family and society. Promoting women’s economic participation in both the household and workforce involves efforts to enable women to actively engage in economic activities in two main areas: the household and the formal workforce. In the household, women contribute by managing finances, caregiving, child-rearing, and running home-based businesses. These contributions should be recognized and supported with resources and opportunities to manage household roles efficiently. In the workforce, women must have equal access to job opportunities, leadership roles, entrepreneurship, and fair wages, requiring the elimination of barriers like gender discrimination, unequal pay, and limited access to leadership positions
PENGARUH PENGETAHUAN RIBA DAN KEBUTUHAN MAHASISWA TERHADAP KEPUTUSAN MENGGUNAKAN PINJAMAN ONLINE (STUDI PADA MAHASISWA UNIVERSITAS MAJALENGKA)
Full text linkPenelitian ini bertujuan untuk mengkaji pengaruh pengetahuan riba dan kebutuhan mahasiswa terhadap keputusan menggunakan pinjaman online di kalangan mahasiswa Universitas Majalengka. Jenis penelitian yang digunakan adalah deskriptif verifikatif dengan pendekatan metode kuantitatif. Teknik pengambilan sampel menggunakan non probability sampling dari populasi Mahasiswa Universitas Majalengka yang menggunakan pinjaman online, Berdasarkan analisis regresi linier berganda terhadap 102 responden, ditemukan bahwa secara simultan, pengetahuan riba dan kebutuhan mahasiswa berpengaruh signifikan terhadap keputusan menggunakan pinjaman online, dengan nilai koefisien determinasi (R²) sebesar 76,3%. Namun secara parsial, hanya variabel kebutuhan mahasiswa yang menunjukkan pengaruh signifikan dan sangat kuat (β = 0,864, sig = 0,000), sedangkan pengetahuan riba tidak berpengaruh signifikan (β = 0,078, sig = 0,115). Temuan ini menunjukkan bahwa meskipun sebagian mahasiswa menyadari larangan riba, faktor kebutuhan ekonomi, seperti biaya pendidikan dan gaya hidup lebih dominan dalam memengaruhi keputusan finansial mereka. Hasil ini menegaskan pentingnya literasi keuangan berbasis syariah agar mahasiswa dapat membuat keputusan keuangan yang bijak dan terhindar dari jerat utang riba.Penelitian ini bertujuan untuk mengkaji pengaruh pengetahuan riba dan kebutuhan mahasiswa terhadap keputusan menggunakan pinjaman online di kalangan mahasiswa Universitas Majalengka. Jenis penelitian yang digunakan adalah deskriptif verifikatif dengan pendekatan metode kuantitatif. Teknik pengambilan sampel menggunakan non probability sampling dari populasi Mahasiswa Universitas Majalengka yang menggunakan pinjaman online, Berdasarkan analisis regresi linier berganda terhadap 102 responden, ditemukan bahwa secara simultan, pengetahuan riba dan kebutuhan mahasiswa berpengaruh signifikan terhadap keputusan menggunakan pinjaman online, dengan nilai koefisien determinasi (R²) sebesar 76,3%. Namun secara parsial, hanya variabel kebutuhan mahasiswa yang menunjukkan pengaruh signifikan dan sangat kuat (β = 0,864, sig = 0,000), sedangkan pengetahuan riba tidak berpengaruh signifikan (β = 0,078, sig = 0,115). Temuan ini menunjukkan bahwa meskipun sebagian mahasiswa menyadari larangan riba, faktor kebutuhan ekonomi, seperti biaya pendidikan dan gaya hidup lebih dominan dalam memengaruhi keputusan finansial mereka. Hasil ini menegaskan pentingnya literasi keuangan berbasis syariah agar mahasiswa dapat membuat keputusan keuangan yang bijak dan terhindar dari jerat utang riba.Kata kunci: Kebutuhan Mahasiswa, Pengetahuan Riba, Keputusan Keuangan, Pinjaman Online, Literasi Keuangan Syaria
ANALISA KINERJA KEUANGAN PADA KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH ”USAHA BAROKAH” JATIPURNO (Studi Kasus Syariah KSPPS Usaha Barokah Jatipurno
Full text linkThis study aims to analyze the financial performance of the cooperative by using various financial ratios as outlined in the Decree of the Minister of Cooperatives and Small and Medium Enterprises No. 35.3/Per/M.KUKM/X/2007. The analysis of financial reports is also intended to serve as a reference for the new cooperative management, as the term of the previous management has ended. Data collection techniques include documentation, observation, and interviews. Financial Performance Analysis of KSPPS Usaha Barokah Jatipurno Wonogiri (based on the Ministerial Decree No. 35.3/Per/M.KUKM/X/2007): Equity to Total Capital Ratio Score: 4.50 (2023) and 5.00 (2024) out of 5.00 Category: healthy. Indicates that the cooperative has a strong equity position compared to its total capital. Efficiency Score: 3.00 (2023 and 2024) out of 4.00 Category: moderately efficient. Reflects that the cooperative's asset utilization in serving members is adequate but still has room for improvement. Fixed Assets to Total Assets Ratio Score: 4.00 (2023 and 2024) out of 4.00 Category: good. Shows that the proportion of fixed assets to total assets is well-balanced. Liquidity Score: 7.50 (2023 and 2024) out of 10.00 Category: moderately liquid. Indicates that the cooperative is fairly capable of meeting its short-term obligations. Asset Profitability (Return on Assets) Score: 0.75 (2023 and 2024) out of 3.00 Category: low. Shows that the cooperative’s ability to generate profit from its total assets is still lacking. Equity Profitability (Return on Equity) Score: 3.00 (2022 and 2023) out of 3.00 Category: high. Demonstrates that the cooperative is highly effective in generating profit from its own capital. Despite some strong indicators, the findings highlight the need to increase equity, improve service delivery, optimize fund management, and evaluate that can’t declining performance areas.Penelitian ini akan menganalisis kinerja koperasi dengan menggunakan berbagai rasio keuangan yang tercantum dalam Keputusan Menteri Koperasi dan Usaha Kecil dan Menengah No. 35.3/ Per/ M.KUKM/ X/ 2007. Serta analisa laporan keuangan ini bisa menjadi acuan untuk pengurus koperasi yang baru, yang mana pengurus yang lama telah habis masa kerjanya. Teknik pengumpulan data melalui dokumentasi, observasi, dan wawancara. Hasil analisis kinerja keuangan KSPPS Usaha Barokah Jatipurno Wonogiri berdasarkan Peraturan Menteri Koperasi No.35.3/Per/M.KUKM/X/2007.Yaitu Modal Sendiri terhadap Total Modal Skor 4,50 (2023) dan 5,00 (2024) dari 5,00 Kategori: sehat. Artinya, koperasi memiliki cukup modal sendiri dibanding total modal. Efisiensi Skor 3,00 (2023 dan 2024) dari 4,00 Kategori: cukup efisien Artinya, penggunaan aset koperasi untuk melayani anggota sudah cukup baik, tapi masih bisa ditingkatkan. Aktiva Tetap terhadap Total Aset Skor 4,00 (2023 dan 2024) dari 4,00 Kategori: baik. Artinya, proporsi aset tetap terhadap total aset dalam kondisi baik dan seimbang. Likuiditas Skor 7,50 (2023 dan 2024) dari 10,00 Kategori: cukup likuid Artinya, koperasi cukup mampu memenuhi kewajiban jangka pendeknya. Rentabilitas Aset (Tingkat Pengembalian dari Aset) Skor 0,75 (2023 dan 2024) dari 3,00 Kategori: rendah Artinya, kemampuan koperasi menghasilkan keuntungan dari seluruh aset masih kurang Rentabilitas Modal Sendiri (Tingkat Pengembalian dari Modal Sendiri) Skor 3,00 (2022 dan 2023) dari 3,00 Kategori: tinggi Artinya, koperasi sangat baik dalam menghasilkan keuntungan dari modal sendiri. Dalam temuan ini tetap perlunya peningkatan modal sendiri, peningkatan pelayanan, pengelolaan dana secara optimal, dan evaluasi kinerja supaya tidak mengalami penurunan
Transparansi Keuangan Masjid di Era Digital: Mewujudkan Tata Kelola Amanah dan Bebas Fraud
Full text linkTransparent and trustworthy financial management in mosques is a fundamental pillar for maintaining institutional integrity and preventing financial fraud. This article explores the importance of implementing mosque accounting practices that are accountable and aligned with good financial governance principles to enhance public and congregational trust. Using a descriptive-qualitative approach and literature review, the study identifies that many mosques still manage finances in a disorganized and non-transparent manner, with limited oversight. Such conditions increase the risk of fund misappropriation. To address this issue, the article proposes strategies such as adopting digital bookkeeping systems, providing basic accounting training for mosque administrators, and ensuring regular and publicly accessible financial reporting. The application of transparency, congregational participation, and periodic audits are key components in establishing a professional and trustworthy accounting system for mosques. The study concludes that structured financial governance, grounded in Islamic values, is an effective approach to preventing fraud and strengthening the financial accountability of mosque institutions.Manajemen keuangan yang transparan dan dapat dipercaya di masjid merupakan pilar fundamental dalam menjaga integritas kelembagaan dan mencegah terjadinya kecurangan keuangan. Artikel ini membahas pentingnya penerapan praktik akuntansi masjid yang akuntabel dan selaras dengan prinsip tata kelola keuangan yang baik guna meningkatkan kepercayaan publik dan jamaah. Dengan menggunakan pendekatan deskriptif-kualitatif dan studi pustaka, penelitian ini mengidentifikasi bahwa banyak masjid masih mengelola keuangan secara tidak tertata dan kurang transparan, serta dengan pengawasan yang terbatas. Kondisi semacam ini meningkatkan risiko penyalahgunaan dana. Untuk mengatasi permasalahan tersebut, artikel ini mengusulkan beberapa strategi, antara lain: adopsi sistem pembukuan digital, penyediaan pelatihan dasar akuntansi bagi pengurus masjid, dan pelaksanaan pelaporan keuangan secara rutin yang dapat diakses publik. Penerapan transparansi, partisipasi jamaah, dan audit berkala merupakan komponen kunci dalam membangun sistem akuntansi masjid yang profesional dan terpercaya. Studi ini menyimpulkan bahwa tata kelola keuangan yang terstruktur dan berlandaskan pada nilai-nilai Islam merupakan pendekatan yang efektif untuk mencegah kecurangan serta memperkuat akuntabilitas keuangan lembaga masjid
More Than Just a Sticker: The Semiotic Analysis and Religious Dimensions of Indonesian Halal Labels
Full text linkThis study is to explore and analyse the semiotic meanings and religious dimensions embedded within Indonesian halal labels. This study employs a library research method. The semiotic interpretation of the halal logo using Roland Barthes’ model reveals the deeper cultural, religious, and ideological meanings behind its visual elements. This involves analyzing the signifier, signified, symbolic meaning, and cultural code embedded in its visual elements. More than just a regulatory mark, the halal logo serves as a powerful symbol that conveys spiritual and social significance to both Muslim and non-Muslim audiences. Even when presented as a small sticker, the halal label still functions as a meaningful signifier—it becomes a portable emblem of Islamic values, purity, and legitimacy that consumers actively seek and trust in various commercial settings. The semiotic analysis aims to uncover the deeper religious, cultural, and symbolic dimensions behind the visual elements of the halal logo. The signifiers—such as Arabic calligraphy, gunungan (mountain-like shapes) inspired by wayang, the use of purple color, and geometric balance—reflect Islamic values and national cultural identity. These elements convey signified meanings like religious legitimacy, spiritual dignity, and consumer trust. Together, they create a symbolic system representing purity, faith, and ethical consumption. The logo also reflects broader cultural codes, including Islamic law, national pride, consumer protection, and branding strategy, making it a powerful tool of communication. Moreover, halal labels hold strong religious significance—they guide Muslim consumers toward sharia-compliant products, support moral values, and act as instruments of religious identity and da’wah in everyday life and global markets. Understanding the semiotic and religious dimensions of halal labels is crucial because they not only inform purchasing decisions but also reflect deeper beliefs and cultural narratives embedded in modern society. Besides, the religious dimensions of Indonesian halal labels reflect deep-rooted Islamic values that extend beyond product certification. They ensure sharia compliance, foster consumer trust, and promote spiritual and ethical consumption. Halal labels serve as religious symbols that guide behavior, reinforce Muslim identity, and act as tools of governance and da’wah. Seen as a form of worship, halal consumption nurtures moral discipline and communal protection. These labels offer spiritual reassurance, symbolize divine blessing (barakah), and strengthen religious legitimacy. As identity markers, they help Islamize public spaces and encourage both Muslim solidarity and interfaith engagement. Ultimately, halal labels connect faith with modern commerce and support the spread of a halal lifestyle in global and local contexts.
 
- None: ANALISIS PENGARUH SUKUK IJARAH TERHADAP PROFITABILITAS PERUSAHAAN YANG TERDAFTAR DI BURSA EFEK INDONESIA
No full textThe sukuk market in Indonesia has shown significant growth in recent decades. This study focuses on analyzing the effect of the Current Ratio (CR) and Sukuk to Equity Ratio (SER) on Return on Assets (ROA) in companies that issue Sukuk Ijarah. This study uses a quantitative approach and documentation method with panel data regression on 12 companies that issued sukuk ijarah during the period 2017–2024. The estimation model used is the Common Effect Model. Classical assumption tests were conducted, including multicollinearity and heteroscedasticity tests, which showed that there were no indications of multicollinearity and heteroscedasticity, so that regression analysis could be performed. The t-test results indicate that the Sukuk to Equity Ratio has no significant partial effect, while the Current Ratio has a negative and significant effect on ROA. This indicates that an increase in the Current Ratio will be followed by a decline in company profitability. However, based on the F test, both variables have a simultaneous effect on ROA. The coefficient of determination (R²) value shows that the model is able to explain 7.95% of the variation in ROA, while the rest is explained by other variables outside the model.Pasar sukuk di Indonesia menunjukkan pertumbuhan signifikan dalam beberapa dekade terakhir. Kajian ini difokuskan pada upaya untuk menganalisis pengaruh Current Ratio (CR) dan Sukuk to Equity Ratio (SER) terhadap Return on Assets (ROA) pada perusahaan yang menerbitkan Sukuk Ijarah. Dalam penelitian ini digunakan pendekatan kuantitatif serta metode dokumentasi dengan regresi data panel pada 12 perusahaan yang menerbitkan sukuk ijarah selama periode 2017–2024. Model estimasi yang digunakan adalah Common Effect Model. Uji asumsi klasik dilakukan meliputi uji multikolinearitas dan heteroskedastisitas yang menunjukkan bahwa tidak terdapat indikasi multikolinearitas dan heteroskedasitas sehingga analisa regresi dapat dilakukan. Hasil uji t mengindikasikan bahwa Sukuk to Equity Ratio tidak berpengaruh signifikan secara parsial sedangkan Current Ratio memiliki pengaruh negatif dan signifikan terhadap ROA. Hal ini mengindikasikan bahwa kenaikan Current Ratio akan diikuti dengan penurunan profitabilitas perusahaan. Namun, berdasarkan uji F, kedua variabel tersebut berpengaruh secara simultan terhadap ROA. Nilai koefisien determinasi (R²) menunjukkan bahwa model mampu menjelaskan 7,95% variasi ROA, sedangkan sisanya dijelaskan oleh variabel lain di luar model
Diversifikasi Ekonomi Melalui Industri Halal: Diversifikasi Ekonomi Melalui Industri Halal
No full textPenelitian ini bertujuan untuk mengidentifikasi potensi dan tantangan industri halal di Indonesia serta peran diversifikasi dalam memperkuat sektor ini. Penelitian ini menggunakan pendekatan deskriptif kualitatif untuk mengeksplorasi peluang yang dimiliki Indonesia, sebagai negara dengan populasi Muslim terbesar di dunia, dalam mengembangkan industri halal, khususnya di sektor makanan, minuman, pariwisata, dan fesyen. Hasil penelitian menunjukkan bahwa Indonesia memiliki peluang besar untuk mengembangkan industri halal, tetapi menghadapi tantangan seperti ketergantungan pada impor dan rendahnya produksi dalam negeri. Diversifikasi produk terbukti efektif dalam meningkatkan daya saing dan profitabilitas industri halal dengan mengurangi risiko dan berinovasi sesuai dengan kebutuhan konsumen. Selain itu, instrumen pembiayaan syariah seperti sukuk dan equity crowdfunding berperan penting dalam mendukung pengembangan industri ini. Sinergi antara kebijakan pemerintah, strategi diversifikasi produk, dan pembiayaan syariah diperlukan untuk mencapai pertumbuhan berkelanjutan dalam industri halal Indonesia.
Kata kunci: Industri halal, diversifikasi produk, pembiayaan syariah, Indonesia, strategi bisnis.Penelitian ini bertujuan untuk mengidentifikasi potensi dan tantangan industri halal di Indonesia serta peran diversifikasi dalam memperkuat sektor ini. Penelitian menggunakan pendekatan deskriptif kualitatif untuk menggali peluang yang dimiliki Indonesia sebagai negara dengan jumlah populasi Muslim terbesar di dunia dalam mengembangkan industri halal, khususnya di sektor makanan, minuman, pariwisata, dan fashion. Hasil penelitian menunjukkan bahwa Indonesia memiliki peluang besar untuk mengembangkan industri halal, namun dihadapkan pada tantangan seperti ketergantungan terhadap impor dan rendahnya produksi domestik. Diversifikasi produk terbukti efektif dalam meningkatkan daya saing dan profitabilitas industri halal dengan mengurangi risiko serta inovasi sesuai dengan kebutuhan konsumen. Selain itu, instrumen pembiayaan syariah seperti sukuk dan equity crowdfunding memiliki peran penting dalam mendukung perkembangan industri ini. Diperlukan sinergi antara kebijakan pemerintah, strategi diversifikasi produk, serta pembiayaan syariah untuk mencapai pertumbuhan yang berkelanjutan pada industri halal di Indonesia.
Kata kunci: Industri halal, diversifikasi produk, pembiayaan syariah, Indonesia, strategi bisnis