Jurnal Ilmiah Ekonomi Islam
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Kurangnya Kesadaran Dalam Asuransi Syariah : Analisis Bibliometrik
No full textPenggunaan asuransi syariah semakin hari semakin meningkat. Penelitian tentang asuransi syariah terus berkembang dan berkelanjutan. Tujuan dari penelitian ini adalah untuk mengumpulkan data terkini tentang isu-isu yang berkaitan dengan ketidaksadaran dalam menggunakan asuransi syariah. Metode yang digunakan dalam penelitian ini adalah metode bibliometrik, yaitu menggunakan data akademis yang berbasis dan terindeks Scopus untuk menganalisis penelitian-penelitian sebelumnya tentang asuransi syariah. Data diperoleh dari Publish or Perish dan dipilih dan disimpan data yang paling sesuai dengan topik. Data ini diolah menggunakan software VOSViewer yang memvisualisasikan data dalam bentuk garis-garis yang saling terhubung dengan warna yang berbeda. Hasil tentang relevansi topik asuransi syariah dengan peneliti sebelumnya yang diperoleh dari VOSViewer. Penelitian ini mengkaji kata kunci “asuransi” dan “syariah”. Visualisasi jaringan pada kata kunci penelitian menunjukkan bahwa peta perkembangan penelitian asuransi syariah terbagi menjadi 4 cluster. Cluster 1 terdiri dari 16 istilah, cluster 2 terdiri dari 9 istilah, cluster 3 terdiri dari 7 istilah, dan cluster 4 terdiri dari 5 istilah
PENGARUH DAYA TARIK IKLAN DAN INFLUENCER MARKETINGTERHADAP KEPUTUSAN PEMBELIAN PRODUK BUSANA MUSLIM BUTTONSCARVES DENGAN ONLINE CUSTOMER REVIEWS SEBAGAI MODERASI (STUDI KASUS KOTA YOGYAKARTA, KABUPATEN BANTUL DAN KABUPATEN SLEMAN): PENGARUH DAYA TARIK IKLAN DAN INFLUENCER MARKETINGTERHADAP KEPUTUSAN PEMBELIAN PRODUK BUSANA MUSLIM BUTTONSCARVES DENGAN ONLINE CUSTOMER REVIEWS SEBAGAI MODERASI (STUDI KASUS KOTA YOGYAKARTA, KABUPATEN BANTUL DAN KABUPATEN SLEMAN)
No full textThe study aims at learning the effect of advertisement and influencer marketing on the purchase decision of Buttonscarves muslim fashion products with online customer review as the moderation (a study case in Yogyakarta City and Bantul and Sleman districts). The survey method was quantitative, employing questionnaires to collect the data from 100 respondents. The data were analysed using the Partial Least Squares – Structural Equation Model (PLS-SEM) through Smartpls v. 4. 1. 0. 9 software. The result indicated that advertisement and influencer marketing affected the purchase decision positively and significantly. The message and visual elements in advertisement are the main factors that attract the consumer’s interest. Meanwhile, the credible influencer marketing recommendation increased confidence and boosted purchases. However, it did not moderate the relationship between advertisement and purchase decision, indicating that consumers were affected more by the visual aspects than customer reviews. On the other hand, online customer reviews moderated the effect of influencer marketing on the purchase decision, where the positive reviews strengthened the credibility of influencer marketing and increased the customer’s confidence.Keywords: Advertisement, Influencer Marketing, Marketing, Online Customer Reviews, Purchase Decision, Muslim OutfitPenelitian ini bertujuan untuk mengetahui pengaruh Pengaruh Daya Tarik Iklan dan Influencer Marketing terhadap Keputusan Pembelian Produk Busana Muslim Buttonscarves dengan Online Customer Reviews sebagai Moderasi (Studi Kasus Kota Yogyakarta, Kabupaten Bantul dan Kabupaten Sleman). Menggunakan metode survei kuantitatif dengan teknik pengumpulan data melalui survei kuesioner yang melibatkan 100 responden, penelitian ini dianalisis menggunakan Partial Least Squares – Structural Equation Model (PLS-SEM) melalui software SmartPLS v. 4. 1. 0. 9. Hasil penelitian menunjukkan bahwa daya tarik iklan dan Influencer Marketing berpengaruh positif dan signifikan terhadap keputusan pembelian. Elemen visual dan pesan dalam iklan menjadi faktor utama dalam menarik minat konsumen, sementara rekomendasi dari Influencer Marketing yang kredibel meningkatkan kepercayaan dan mendorong pembelian. Namun, tidak memoderasi hubungan antara daya tarik iklan dan keputusan pembelian, yang mengindikasikan bahwa konsumen lebih terpengaruh oleh aspek visual dibandingkan ulasan pelanggan. Sebaliknya, Online Customer Reviews terbukti memoderasi pengaruh Influencer Marketing terhadap keputusan pembelian, di mana ulasan positif memperkuat kredibilitas Influencer Marketing dan meningkatkan keyakinan konsumen.
Kata kunci: Daya Tarik Iklan, Influencer Marketing Marketing, Online Customer Reviews, Keputusan Pembelian, Busana Musli
English English
No full textThis paper aims to see how major the effect of cash waqf and pesantren facility utilization towards Pesantren’s economic empowerment, using case study approach to Indonesian pesantren. The data in this research are gathered through questionnaire and literature research through related topics. Questionnaire are answered by pesantren administrator from different institutions and will be analyse with a Partial Least Square (PLS) to see how big the influence of cash waqf and pesantren facilities on the factors related. This study finds that cash waqf played a significant role in Pesantren Economic Empowerment while supporting facility that reliable simply assets and business incubator, meaning the existence of capital to start pesantren’s entreprises is essential furthermore supported with assets and conducive atmosphere will resulting a faster growth of Pesantren economic empowerment. This research highlight the importance of cash waqf and facility for Pesantren economic empowerment, cash waqf seen as a more flexible, accessible, and practical source of fund.
Keywords: Awqaf, Cash waqf, Waqf, Pesantren, Pesantren facility, Pesantren empowerment, Pesantren economic empowerment, Pesantren entreprisesTulisan ini bertujuan untuk melihat seberapa besar efek dari wakaf tunai dan fasilitas yang dimiliki pesantren terhadap pemberdayaan ekonomi pesantren menggunakan studi kasus pesantren di Indonesia. Data dari penelitian ini dikumpulkan melalui kuesioner dan studi pustaka tentang topik terkait. Kuesioner diisi oleh pengurus pesantren dari berbagai institusi dan dianalisis menggunaka Partial Least Square (PLS) untuk melihat seberapa besar pengaruh wakaf tunai dan fasilitas pendukung terhadap pemberdayaan ekonomi Pesantren.Penelitian ini menemukan bahwa wakaf tunai berperan penting pada pemberdayaan ekonomi pesantren dimana fasilitas pendukung yang berpengaruh hanyalah aset dan incubator bisnis yang mengindikasikan adanya modal untuk memulai usaha pesantren serta lingkungan yang kondusif akan menghasilkan pertumbuhan pemberdayaan ekonomi pesantren yang lebih cepat. Penelitian ini menekankan pentingnya wakaf tunai untuk perkembangan dan pemberdayaan ekonomi pesantren, wakaf tunai dianggap sebuah sumber pendanaan yang lebih fleksible, mudah diakses dan praktis.
Kata kunci: Wakaf, Wakaf tunai, Pesantren, Fasilitas Pesantren, Pemberdayaan Pesantren, Kemandirian Ekonomi Pesantren, Usaha Pesantre
The The Appeal of Halal Labels: How much Influence Does It Have on Purchasing Decisions? A Quantitative Study of Packaged Food and Beverages in a Muslim-Majority Market
No full textAbstract
This study aims to examine the extent to which halal labeling on packaged food and beverages influences consumer purchasing decisions. A quantitative approach was employed, utilizing both primary and secondary data sources. The research involved 260 respondents selected through purposive sampling. Data analysis was conducted using simple linear regression. The result show that the halal labeling variable has a positive and significant effect on purchasing decisions, with a statistical significance value of less than 0.05. These findings indicate that the halal labeling variable on packaged food and beverage has a positive and significant inluence on purchasing decisions, as it shows an empirical probability or statisticcal significance value of less than 0.05. In economic terms, this reflects the responsiveness of consumers labeling to to labeling, especially those those guided by religious values. In predominanlty muslim societies, such as Surakarta trust and adherence to religious principles are crucial factors influencing product selection and purchasing behaviour. The study confirms that enchanging halal labeling can strengthen consumer confidence and drive higher purchasing in muslim majority markets.
Keywords: halal label, purchasing decision, consumer behavior, religious values, packaged food and beveragesAbstract
This study aims to examine the extent to which halal labeling on packaged food and beverages influences consumer purchasing decisions. A quantitative approach was employed, utilizing both primary and secondary data sources. The research involved 260 respondents selected through purposive sampling. Data analysis was conducted using simple linear regression. The result show that the halal labeling variable has a positive and significant effect on purchasing decisions, with a statistical significance value of less than 0.05. These findings indicate that the halal labeling variable on packaged food and beverage has a positive and significant inluence on purchasing decisions, as it shows an empirical probability or statisticcal significance value of less than 0.05. In economic terms, this reflects the responsiveness of consumers labeling to to labeling, especially those those guided by religious values. In predominanlty muslim societies, such as Surakarta trust and adherence to religious principles are crucial factors influencing product selection and purchasing behaviour. The study confirms that enchanging halal labeling can strengthen consumer confidence and drive higher purchasing in muslim majority markets.
Keywords: halal label, purchasing decision, consumer behavior, religious values, packaged food and beverage
The Profession of Content Creator in the Sharia-Compliant Creative Economy: Opportunities, Challenges, and Islamic Business Ethics on the Commercialization of Halal Content
Full text linkThis research describes the profession of content creator in the sharia-compliant creative economy including opportunities, challenges, and Islamic business ethics on the commercialization of halal content. This study employs a library research design. Content creators in the halal creative economy have diverse opportunities to produce Sharia-compliant content. They can support community needs, promote Islamic ethics, and empower the ummah. When adhering to Islamic principles, content creation is a legitimate, halal profession with strong potential for da’wah, education, and positive social impact. In Islamic economics, content creators can be known as digital entrepreneurs who contribute to the halal economy by producing and sharing knowledge, ethical values, and halal products via online platforms. They promote Islamic teachings and ethical lifestyles while avoiding prohibited elements like riba (interest) and gambling. Acting as informal da’wah agents, they ensure their income is halal by adhering to honesty, transparency, and accountability. Content creators foster halal consumerism, connect Sharia-compliant businesses with Muslim consumers, and incorporate social good, making their role both economic and moral. As key players in the Sharia-compliant creative economy, these creators act as digital preachers, educators, and entrepreneurs, sharing Islamic teachings through relatable content and monetizing via halal, ethical methods. By collaborating with halal brands, they help build a value-driven digital ecosystem that bridges tradition and modernity, empowering Muslim communities and advocating ethical media practices aligned with Maqasid al-Shariah. This profession balances economic success with spiritual fulfillment. Content creators engage in diverse niches such as Islamic education, modest fashion, halal product reviews, mental health, and finance, using platforms like YouTube and podcasts to reach wider audiences. Their work supports community needs, promotes Islamic ethics, and contributes positively to a faith-driven digital economy. Content creation is halal and legitimate when following Sharia principles, avoiding haram content, and guided by sincere intention (niyyah). Creators must maintain modesty, respect gender norms, and prevent riya’ (showing off). Despite opportunities from a growing global Muslim audience and halal market, creators face challenges including Sharia compliance, ethical-commercial balance, community criticism, limited halal monetization, and technical barriers. Navigating these demands requires resilience and innovation. Rooted in Islamic ethics—truthfulness, trust, justice, modesty, sincerity, and accountability—content creators help foster a just, value-driven economy, balancing material success with spiritual integrity and societal benefit. Supporting Sharia-compliant content creators requires clear halal guidelines, ethical training, halal sponsor connections, and transparent partnerships. Building community support, promoting halal consumer education, diversifying income, and collaborating with Islamic finance experts help creators grow responsibly and sustainably within Islamic principles
Linguistic Strategies of Religious Framing in Islamic Crowdfunding Platforms
Full text linkThis research aims to explore how religious language and discourse strategies are employed in Indonesian Islamic crowdfunding platforms to construct persuasive religious framing. The primary focus is on how Quranic expressions, Islamic moral appeals, and religious vocabulary are integrated into online campaign content—such as websites and social media—to influence donor perceptions, build institutional trust, and inspire charitable behavior. Through this study, the goal is to gain deeper insight into how religious discourse serves as both a legitimizing force and a persuasive tool within the digital Islamic economy, particularly in shaping the Islamic identity and credibility of philanthropic platforms like Dompet Dhuafa. The qualitative analysis of Dompet Dhuafa’s crowdfunding campaign texts identifies several linguistic techniques used to frame charity as a spiritually significant and socially impactful act. These strategies include religious lexical choices rooted in Islamic jurisprudence, eschatological appeals to afterlife rewards, emotionally resonant language to foster a sense of community, and clear calls to action supported by credibility claims. Campaigns are also contextualized within the Islamic calendar to enhance relevance and urgency, while moral appeals tie giving to broader ethical goals like promoting justice and preventing social harm. These discourse patterns collectively position sedekah as not merely a donation but an expression of faith, communal solidarity, and ethical responsibility. In addition, the campaigns make effective use of Qur’anic and prophetic references to deepen their spiritual appeal and strengthen religious framing. Thematic elements such as reward multiplication, spiritual purification, and paradoxical religious logic—where giving leads to increase—are drawn from Islamic scripture and Hadith. These messages not only motivate giving through fear and hope related to the afterlife but also encourage sincere, humble, and intentional acts of charity. By incorporating prophetic authority and embedding sedekah within both personal piety and ethical commerce, Dompet Dhuafa’s linguistic strategies succeed in constructing a powerful religious narrative that connects divine accountability, social justice, and digital philanthropy in a uniquely Islamic way. The language used in Dompet Dhuafa’s crowdfunding campaign strategically blends emotional appeal, religious motivation, and institutional trust to encourage donations. It employs Islamic terms, Quranic verses, and hadiths to emphasize the spiritual benefits of charity. Through inclusive calls-to-action, moral persuasion, and cultural framing, the campaign positions giving as both a personal act of worship and a communal responsibility, reinforcing its credibility and aligning with Islamic values
Analisa Kesiapan Teknologi untuk Implementasi Produksi Bersih di UMKM Makanan Halal Kabupaten Tangerang
Full text linkImplementasi teknologi bersih dan pengurangan limbah merupakan konsep pengelolaan lingkungan yang dapat diterapkan pada berbagai jenis industri dalam rangka pengelolaan lingkungan. Produksi bersih menawarkan pemecahan yang paling baik dalam mereduksi dampak lingkungan dan efisensi dalam segi ekonomis. Produksi bersih dapat diterapkan di berbagai level industri termasuk Usaha Mikro Kecil dan Menengah (UMKM). UMKM makanan halal dipilih sebagai objek penelitian karena sejalan dengan kewajiban sertifikasi halal untuk produk makanan, minuman dan bahan tambahan makanan. Pengukuran kesiapan teknologi untuk implementasi produksi dilakukan dengan metode Technology Readyness Index (TRI). Kriteria yang dinilai yaitu Optimism, Innovativeness, Discomfort, dan Insecurity. Tahapan penelitian adalah identifikasi teknologi, pengumpulan data, evaluasi kesiapan teknologi, dan analisis hasil. Tujuan dari penelitian ini adalah untuk mengetahui kesiapan teknologi UMKM makanan halal untuk tercapainya produksi bersih, khususnya teknologi pengolahan sampah. Dari perhitungan bobot, diketahui bahwa tingkat kesiapan penerapan teknologi produksi bersih masih rendah yaitu sebesar 0, 165 dan masih perlu dilakukan upaya perbaikan dan peningkatan.Implementasi teknologi bersih dan pengurangan limbah merupakan konsep pengelolaan lingkungan yang dapat diterapkan pada berbagai jenis industri dalam rangka pengelolaan lingkungan. Produksi bersih menawarkan pemecahan yang paling baik dalam mereduksi dampak lingkungan dan efisensi dalam segi ekonomis. Produksi bersih dapat diterapkan di berbagai level industri termasuk Usaha Mikro Kecil dan Menengah (UMKM). UMKM makanan halal dipilih sebagai objek penelitian karena sejalan dengan kewajiban sertifikasi halal untuk produk makanan, minuman dan bahan tambahan makanan. Pengukuran kesiapan teknologi untuk implementasi produksi dilakukan dengan metode Technology Readyness Index (TRI). Kriteria yang dinilai yaitu Optimism, Innovativeness, Discomfort, dan Insecurity. Tahapan penelitian adalah identifikasi teknologi, pengumpulan data, evaluasi kesiapan teknologi, dan analisis hasil. Tujuan dari penelitian ini adalah untuk mengetahui kesiapan teknologi UMKM makanan halal untuk tercapainya produksi bersih, khususnya teknologi pengolahan sampah. Dari perhitungan bobot, diketahui bahwa tingkat kesiapan penerapan teknologi produksi bersih masih rendah yaitu sebesar 0, 165 dan masih perlu dilakukan upaya perbaikan dan peningkatan.
 
BENTUK KERJASAMA MUDHARABAH ANTARA NELAYAN TANGKAP DAN PEMILIK KAPAL DALAM MENINGKATKAN KESEJAHTERAAN NELAYAN DI KELURAHAN TANJUNG BATU, KECAMATAN BANAWA, KABUPATEN DONGGALA
No full textThis study aims to identify the form of mudharabah partnership between fishermen and boat owners and to analyze the profit-sharing mechanism applied. A descriptive qualitative approach was used, employing observation, interviews, and document analysis involving fishermen, boat owners, and community leaders. The mudharabah cooperation is based on trust and familial bonds, without written agreements, with a profit-sharing ratio of 40% for fishermen and 60% for boat owners. While the system modestly improves fishermen’s welfare, fishermen also bear losses when there is no catch, which deviates from the pure principles of mudharabah. Both parties perceive the profit-sharing as fair, though the absence of a written contract poses a risk of disputes. External factors such as weather and fluctuating fish prices hinder more significant welfare improvements. There is needs to strengthen transparency and legal protection in the mudharabah system. Policy recommendations include implementing Islamic insurance schemes and providing legal assistance to enhance the system’s sustainability and fairness.Penelitian ini bertujuan mengidentifikasi bentuk kerja sama mudharabah antara nelayan dan pemilik kapal serta menganalisis mekanisme bagi hasil yang diterapkan. Penelitian menggunakan pendekatan kualitatif deskriptif dengan metode observasi, wawancara, dan analisis dokumen terhadap nelayan, pemilik kapal, dan tokoh masyarakat. Kerja sama mudharabah berbasis kepercayaan dan kekeluargaan tanpa perjanjian tertulis, dengan pembagian hasil 40% untuk nelayan dan 60% untuk pemilik kapal. Sistem ini meningkatkan kesejahteraan nelayan secara terbatas, tetapi nelayan turut menanggung kerugian jika hasil tangkapan nihil, menyimpang dari prinsip mudharabah murni. Pembagian hasil dianggap adil oleh kedua pihak, namun ketiadaan kontrak tertulis berpotensi menimbulkan sengketa. Faktor eksternal seperti cuaca dan fluktuasi harga ikan menjadi penghambat peningkatan kesejahteraan yang lebih signifikan. Perlunya penguatan transparansi dan perlindungan hukum dalam sistem mudharabah, serta rekomendasi kebijakan seperti asuransi syariah atau pendampingan hukum untuk meningkatkan keberlanjutan dan keadilan sistem ini
Analisis Determinan Rasio Penyaluran Pembiyaan Konsumsi Dalam Portofolio Bank Syariah Di Indonesia
No full textThis study aims to analyze the determinants of the consumer financing ratio within the financing portfolio of Islamic banks in Indonesia during the period 2014–2024. A quantitative approach is employed using monthly time series data with the Autoregressive Distributed Lag (ARDL) model. The long-term estimation results indicate that the profit-sharing rate and FDR (Financing to Deposit Ratio) have a negative and significant effect on the consumer financing ratio, while total financing has a positive and significant impact, and NPF (Non-Performing Financing) is found to be insignificant. In the short term, it is found that the previous period’s consumption ratio and NPF influence the current ratio, indicating an adjustment effect. Additionally, total financing shows a significant effect on the consumer financing ratio in Islamic banking. This study also finds that the determinants of the consumer financing ratio within the portfolio of Islamic banks in Indonesia exhibit different dynamics across time periods.Penelitian ini bertujuan untuk menganalisis determinan rasio penyaluran pembiayaan konsumsi dalam portofolio pembiayaan bank syariah di Indonesia selama periode 2014–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan data time series bulanan dengan model Autoregressive Distributed Lag (ARDL). Hasil estimasi dalam jangka panjang menunjukan bahwa tingkat bagi hasil dan FDR berpengaruh negatif dan signifikan terhadap rasio pembiayaan konsumsi, sedangkan total pembiayaan berpengaruh positif dan signifikan, sementara NPF tidak signifikan. Sedangkan dalam jangka pendek, ditemukan bahwa rasio konsumsi dan NPF pada periode sebelumnya memiliki pengaruh terhadap rasio saat ini, menunjukkan adanya efek penyesuaian serta total pembiayaan menunjukkan pengaruh signifikan terhadap rasio pembiayaan konsumsi pada perbankan syariah. Dalam Penelitian ini juga menemukan bahwa determinan rasio penyaluran pembiayaan konsumsi dalam portofolio bank syariah di Indonesia menunjukkan dinamika yang berbeda antar periode
Apakah fintech peer-to-peer lending merugikan profitabilitas bank syariah? Bukti Empiris dari Bank Umum Syariah dan Unit Usaha Syariah di Indonesia
No full textPeer-to-peer lending within the financial technology sector has undergone significant expansion in Indonesia. Islamic banks, complying to Sharia principles, offer a distinct perspective within the peer-to-peer lending sector. This study aims to examine the impact of peer-to-peer lending on the profitability of Islamic banks in Indonesia. The dataset consists of 72 monthly time series from sharia commercial banks and sharia business units, obtained from the Financial Services Authority (OJK) covering the period from 2018 to 2023. The ECM Model is employed to assess the duration of the short-term imbalance that will endure over time. The return on assets functions as the dependent variable, whereas the independent variables comprise loan disbursement in fintech P2P lending, operating expense ratio , loan-to-asset ratio, branch banking, bank size, and BI rate. The data indicated that fintech has a significant and positive impact on the operations of sharia commercial banks. Other variables that significantly influence ROA include operating expense ratio (OER), loan-to-asset ratio, bank size, and BI rate. This finding highlights the strategic importance of collaborations between peer to-peer lending platforms and Islamic institutions.Pinjaman peer-to-peer dalam sektor teknologi finansial telah mengalami perkembangan yang signifikan di Indonesia. Bank-bank syariah, yang tunduk pada prinsip-prinsip Syariah, menawarkan perspektif yang berbeda dalam sektor pinjaman peer-to-peer. Penelitian ini bertujuan untuk menguji dampak pinjaman peer-to-peer terhadap profitabilitas bank syariah di Indonesia. Dataset terdiri dari 72 data runtun waktu bulanan dari bank umum syariah dan unit usaha syariah yang diperoleh dari Otoritas Jasa Keuangan (OJK) yang mencakup periode tahun 2018 hingga 2023. Model ECM digunakan untuk menilai durasi ketidakseimbangan jangka pendek yang akan bertahan dari waktu ke waktu. ROA (Return on asset) berfungsi sebagai variabel dependen, sedangkan variabel independen terdiri dari jumlah penyaluran pinjaman di fintech P2P lending, rasio biaya operasional (OER), rasio pinjaman terhadap aset , jumlah kantor cabang, ukuran bank, dan BI rate. Data menunjukkan bahwa fintech memiliki dampak yang signifikan dan positif terhadap operasional bank umum syariah. Variabel lain yang secara signifikan mempengaruhi ROA antara lain rasio biaya operasional (OER), rasio pinjaman terhadap aset, ukuran bank, dan BI rate. Temuan ini menyoroti pentingnya kolaborasi strategis antara platform pinjaman peer-to-peer dan lembaga-lembaga syariah