Jurnal Ilmiah Ekonomi Islam
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Survei Kepuasan Muzakki Terhadap Kualitas Pelayanan BAZNAS (BAZIS) Provinsi DKI Jakarta
Get PDFThe purpose of this study is to assess the level of satisfaction among muzakki (zakat payers) regarding the quality of service when paying zakat at BAZNAS (BAZIS) DKI Jakarta Province. It employs a quantitative research method utilizing a questionnaire. The study population consists of civil servants (ASN). The sample size comprises 890 respondents, selected through purposive sampling. Primary and secondary data is utilized for the research. The findings reveal that donors or muzakki are highly satisfied with the services provided by BAZNAS (BAZIS) DKI Jakarta Province. The lowest satisfaction score is observed in the responsiveness aspect with a score of 3.99, while the highest satisfaction score is in tangibility with a score of 4.17. It is hoped that this study can serve as a platform for further improvement of the institution, thereby influencing the public's decision in selecting BAZNAS (BAZIS) DKI Jakarta Province for their zakat distribution institution
Analisis Kecerdasan Intelektual, Emosional, Spiritual Dan Komunikasi Interpersonal Terhadap Kinerja Karyawan Dengan Budaya Organisasi Sebagai Variabel Mediasi (Studi Kasus PT. Bank Syariah Indonesia Kantor Cabang Merdeka 3 Kota Lhokseumawe)
No full textThis research aims to analyze the influence of intellectual, emotional, spiritual intelligence and interpersonal communication on employee performance by considering the mediating role of organizational culture. Intellectual, emotional, spiritual intelligence and interpersonal communication are very important to instill in every employee. Where it is important for employees to decide on something to do and build good relationships with other employees or customers to grow their self-image in the work environment and the company's image in the eyes of the public. The results of this research show that intellectual intelligence influences employee performance, interpersonal communication influences employee performance. Apart from that, organizational culture does not mediate the influence of intellectual intelligence on employee performance. This shows that employees have self-confidence in solving problems and communicating well to establish working relationships with other employees or customers. And organizational culture has not been able to mediate intellectual intelligence, emotional spirituality and interpersonal communication on employee performance
Rational Choice Approach on Ramadan Activity: A Conceptual Study
Get PDFMuslims conduct more and harder worship during Ramadan than non-Ramadan. Studies show positive effects indicating Ramadan hard worship as rational. However, no studies discuss Ramadan worship based on the rational choice approach although this approach can reveal what, why, and how a decision is rational. Based on the rational choice approach, this study aims to demonstrate graphically Ramadan worship and general activity combination, relative price, constraint, and equilibrium. This paper employs the rational choice graphical modelling that consists of the Ramadan worship indifference curve graphing, relative price setting, constraint line graphing, and equilibrium graphing. Four results are found. Firstly, the worship indifference curves reveal that worship perfectly complements to general activity. Secondly, the worship relative price decreases from non-Ramadan to Ramadan. Thirdly, the worship constraint lines rotate up caused by decreasing worship relative price. Fourthly, the Ramadan equilibrium demonstrates that Muslim is satisfied by a relative price-decreasing-caused Ramadan hard worship that exploits physical capability but without general activity interferin
Analisis Pengaruh Financial Risk Terhadap Perkembangan Pasar Sukuk Di Indonesia Tahun 2012-2023
Get PDFThis study aims to evaluate the impact of financial risks such as exchange rates, foreign debt, debt service ratio, current account, and international liquidity on the development of the sukuk market in Indonesia both in the short and long term. The data used for this study comes from Bank Indonesia and International Monetary Fund data during 2012 Q1-2023 Q4. The results of the Autoregressive Distributed Lag (ARDL) model show that in the short term, the exchange rate and international liquidity have a negative and significant influence on the development of state sharia securities. While the debt service ratio and current account have a positive and significant influence on the development of state sharia securities. In the long run, the exchange rate has a negative and significant influence, foreign debt and debt service ratio have a negative and insignificant influence, while the current account has a positive and significant influence on the development of Islamic securities. On the other hand, international liquidity has a positive and insignificant influence on the development of state Islamic securities
Perilaku Konsumsi Fashion Muslim di Era Digital Dalam Perspektif Islam (Studi Kasus Mahasiswa FEBI UIN Sumatera Utara)
Get PDFIn Indonesia, Muslim fashion is increasingly important as an expression of religious identity and values, with consumers, particularly university students, utilizing technology to select products that comply with halal principles and Islamic ethics. This study aims to understand the influence of Muslim fashion consumption behavior in digital technology. This research methodology uses a quantitative approach with data collected through questionnaires with a sample of 100 active students at the Faculty of Economics and Islamic Business at UIN North Sumatra, then analyzed using simple linear regression with SPSS 22 software. The results show that Muslim fashion consumption behavior has a significant effect on technology utilization, with a t-count value of 9.056 and a p-value of 0.000, far below the 0.05 significance limit. The coefficient of determination (R-squared) of 0.456 indicates that 45.6% of the variation in technology utilization can be explained by Muslim fashion consumption behavior. This indicates that digital technology makes it easier for students to choose fashion products that are in accordance with Islamic values
Islamic Banking Digitalization: Challenges and Opportunities in the Era of Industrial Revolution 4.0
Get PDFThis research describes the implementation of Islamic banking digitalization and its challenges and opportunities. This study employs a qualitative research approach with a library research method. The implementation of digitalization in Islamic banking has significantly improved the efficiency, accessibility, and compliance of financial services with Islamic principles. The digitalization of Islamic banking in Indonesia is significantly transforming the financial landscape, making Sharia-compliant financial services more accessible, efficient, and secure. Through technological advancements such as mobile banking, AI, blockchain, and fintech innovations, Indonesia is strengthening its position as a global leader in the Islamic finance industry. By integrating mobile banking, fintech solutions, blockchain, AI, big data, and digital microfinance, Islamic banks can offer modern, Sharia-compliant financial services to a broader audience. However, continuous innovation and regulatory compliance are necessary to ensure that digital Islamic banking remains aligned with ethical and Islamic financial principles. From an Islamic perspective, digitalization in Islamic banking is seen as an opportunity to enhance financial accessibility, transparency, and ethical finance while adhering to Sharia principles. However, careful implementation is required to ensure that digital financial services do not contradict Islamic laws regarding riba, gharar, and maysir. By leveraging technology responsibly, Islamic banking can thrive in the digital era while upholding the values of justice, trust, and economic equity as prescribed in Islamic teachings. The digitalization of Islamic banking presents both challenges and opportunities. On the one hand, banks must overcome regulatory hurdles, cybersecurity risks, digital literacy gaps, and competition from conventional financial institutions. On the other hand, digitalization offers vast potential to expand accessibility, improve efficiency, foster financial innovation, and reach global markets. By embracing technological advancements while adhering to Islamic finance principles, Islamic banks can position themselves as key players in the future of digital finance. Through strategic planning and innovation, Islamic banking can bridge the gap between modern financial technology and ethical, Sharia-compliant banking solutions, ensuring sustainable growth in the digital era. The digitalization of Islamic banking offers significant opportunities for society, including increased access to financial services, ethical investment options, and greater economic participation. However, challenges such as cybersecurity threats, lack of digital literacy, and ensuring regulatory compliance must be addressed. By taking proactive steps to educate themselves, practice safe online banking, and support Sharia-compliant digital solutions, individuals and businesses can fully harness the potential of Islamic digital banking while upholding Islamic financial principles.
 
Implementasi Syariah Product Inovation Monitoring Mechanism Sebagai Wujud Pembangunan Hukum Nasional
Get PDFThis study aims to determine the Implementation of Sharia Product Innovation Monitoring Mechanism as a Form of National Legal Development, The type of research used in this study is normative legal research, Legal research is based on methods, systematics, and thoughts that aim to study one or several specific legal phenomena by analyzing them. In addition, an in-depth examination of the facts is also carried out to solve the problem in question, This study can be categorized using a research approach, namely the statute approach, namely looking for laws and regulations regarding or relating to the issue, examining all laws and regulations related to the legal issue being handled, In an effort to find and collect the data needed, this study uses a data collection technique of document studies or library materials. The discussion in this study is the Implementation of Sharia Product Innovation Monitoring Mechanism can provide solutions to product development in Islamic banking which is required to have conformity with community conditions and developments so that Islamic banking products can attract more customers. Moreover, it is supported by regulations that have sharia substance in the National Legal System. Keywords: Sharia Economics, Islamic Banking, MechanisPenelitian ini bertujuan untuk mengetahui Implementasi Mekanisme Monitoring Inovasi Produk Syariah Sebagai Bentuk Pengembangan Hukum Nasional, Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian hukum normatif, Penelitian hukum didasarkan pada metode, sistematika, dan pemikiran yang bertujuan untuk mengkaji satu atau beberapa fenomena hukum tertentu dengan cara menganalisisnya. Selain itu juga dilakukan penelaahan secara mendalam terhadap fakta-fakta untuk memecahkan masalah yang dimaksud, Penelitian ini dapat dikategorikan menggunakan pendekatan penelitian yaitu pendekatan perundang-undangan, yaitu mencari peraturan perundang-undangan yang berkenaan atau berkaitan dengan permasalahan, meneliti semua peraturan perundang-undangan yang berkaitan dengan permasalahan hukum yang ditangani, Dalam upaya mencari dan mengumpulkan data yang dibutuhkan, penelitian ini menggunakan teknik pengumpulan data berupa studi dokumen atau bahan pustaka. Pembahasan dalam penelitian ini adalah Implementasi Mekanisme Monitoring Inovasi Produk Syariah dapat memberikan solusi terhadap pengembangan produk pada perbankan syariah yang dituntut memiliki kesesuaian dengan kondisi dan perkembangan masyarakat sehingga produk perbankan syariah dapat lebih diminati oleh nasabah. Selain itu didukung dengan regulasi yang memiliki substansi syariah dalam Sistem Hukum Nasional.
Kata Kunci: Ekonomi Syariah, Perbankan Islam, Mekanism
Pengaruh Likuditas dan Leverage Terhadap Financial Disress Pada Perusahaan Sektor Consumer non-cyclicals Yang Terdaftar pada Indeks Saham Syariah Indonesia di Bursa Efek Indonesia pada tahun 2018-2022 Dengan Profitabilitas Sebagai Variabel Intervening
Get PDFFinancial distress is carried out to get an early warning of bankruptcy. The earlier warning indicators of bankruptcy appear, the greater the opportunity for management to prevent it. This research aims to: (1) identify and analyze the influence of liquidity (current ratio) and Leverage (debt to asset ratio) and profitability (return on assets) on Financial distress; and (2) identify and analyze the influence of liquidity (current ratio) and Leverage (debt to asset ratio) on Financial distress and profitability (return on assets) to mediate their respective influences. Research on non-cyclical consumer sector companies listed on the IDX in 2018-2022. The research population was 119 companies with a sample of 23 companies. The model for determining Financial distress used is the Zmjiweski model. Statistical analysis in this research was assisted by SmartPls Partial Least Square (PLS).Based on the results of the research and discussions that have been carried out, the research results can be concluded that liquidity has a significant and influential effect on Financial distress. Leverage has a significant and influential effect on Financial distress. Profitability has a significant influence on Financial distress and profitability is unable to mediate the influence of liquidity on Financial distress. Meanwhile, profitability is unable to mediate the effect of Leverage on Financial distress.
Keywords liquidity, Leverage, Financial distress, profitabilit
Kebijakan Moneter Islam Dalam Upaya Mengendalikan Inflasi
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This research aims to analyze Islamic monetary policy in an effort to control inflation. This research uses the literature study method to analyze the latest literature and research regarding Islamic monetary policy. This method allows researchers to get a more comprehensive picture of Islamic monetary policy in an effort to control inflation. This literature and research can be obtained from various sources, such as scientific journals and websites. Based on research results, Islamic monetary policy has the potential to control inflation. Islamic monetary policies can be used to control the money supply, increase people's purchasing power, and encourage sustainable economic growth. It is hoped that this research can provide practitioners with a better understanding of Islamic monetary policy. This better understanding can help practitioners to implement Islamic monetary policy more effectively and efficiently. It is also hoped that this research can contribute to Islamic monetary policy theory. This analysis can be used to develop a more comprehensive theory of Islamic monetary policy
Optimizing The Role Of Sharia Banking In Supporting Halal Tourism In Indonesia
No full textThis research aims to analyze the role of sharia banking in supporting halal tourism and to analyze the potential of sharia banks in supporting halal tourism. This type of research is qualitative descriptive research based on the results of interviews and documentation. The results of the research show that the condition of sharia banks in supporting halal tourism has not carried out effective outreach to tourism industry players, access to offices and ATM networks is still difficult to find and there is a lack of promotion carried out by sharia banks while the potential of sharia banks themselves can carry out product innovation by providing specific financing products for tourism industry players and holding interesting events to change the public mindset that Islamic banks are inclusive and not exclusive banks