Jurnal Ekonomika dan Bisnis Islam https://journal.unesa.ac.id/index.php/jei <p><img src="https://journal.unesa.ac.id/public/site/images/adminjei/whatsapp-image-2022-03-31-at-10.03.09.jpg" alt="" width="364" height="507" /></p> <table cellpadding="2"> <tbody align="top"> <tr> <td width="100px">Journal Title</td> <td><strong> </strong><a href="https://journal.unesa.ac.id/index.php/jei/management/settings/context//index.php/jei" target="_blank" rel="noopener"><strong>Jurnal Ekonomika dan Bisnis Islam</strong></a></td> </tr> <tr> <td>ISSN/E-ISSN</td> <td><strong> </strong><a href="http://u.lipi.go.id/1564559512" target="_blank" rel="noopener"><strong>2686-620X</strong></a></td> </tr> <tr> <td>DOI Prefix</td> <td><strong> 10.2670</strong></td> </tr> <tr> <td>Editor in Chief</td> <td><strong> Ach. Yasin</strong></td> </tr> <tr> <td>Publisher</td> <td> <strong>Jurusan Ilmu Ekonomi Universitas Negeri Surabaya</strong></td> </tr> <tr> <td>Frequency</td> <td><strong> April, August, December</strong></td> </tr> </tbody> </table> <p><strong>Jurnal Ekonomika dan Bisnis Islam</strong> terbit secara online sejak 2018 di laman <a href="https://jurnalmahasiswa.unesa.ac.id/index.php/jei/index">https://jurnalmahasiswa.unesa.ac.id/index.php/jei/index</a> .Pada Desember 2019, akreditasi dengan peringkat Sinta 5. Sejak Edisi Volume 4 No 1 Tahun 2021, proses kerja dan publikasi dipindahkan ke laman <a href="https://journal.unesa.ac.id/index.php/jei/management/settings/context//index.php/jei/index">https://journal.unesa.ac.id/index.php/jei/index</a></p> Universitas Negeri Surabaya en-US Jurnal Ekonomika dan Bisnis Islam 2686-620X <p>This work is licensed under a <a href="https://creativecommons.org/licenses/by/4.0/" target="_blank" rel="noopener">Creative Commons Attribution 4.0 International License.</a></p> Analisis Kinerja Keuangan Koperasi Republik Indonesia (KPRI) Kantor Kementerian Agama Kabupaten Gresik Tahun 2018-2020 https://journal.unesa.ac.id/index.php/jei/article/view/18566 <p><em>This study was conducted to determine the financial performance of the Republic of Indonesia Cooperative (KPRI) Makmur Office of the Ministry of Religious affairs of Gresik Regency in 2018-2020 using financial ratio analysis. In this research, the data used primary data and secondary data obtained based on the financial statements of KPRI Makmur in 2018 - 2020. Data analysis used descriptive quantitative method, which is studied using financial ratio analysis (Liquidity Ratio, Profitability Ratio, &amp; Solvency Ratio) based on the Decree of the State Minister of Cooperatives &amp; KUKM No.06/Per/M/KUKM/V/2006 concerning health assessment standards. The following is the calculation of the Liquidity Ratio (Current Ratio = 2018 as much as 403.10%, in 2019 as much as 344.64%, &amp; in 2020 as much as 236.78%), Profitability Ratio (Return on Asset = year 2018 as much as 4.61%, in 2019 as much as 3.06%, &amp; in 2020 as much as 2.60%), (Return on Equity = 2018 as much as 9.59%, in 2019 as much as 5. 96%, &amp; in 2020 as much as 4.64%), &amp; Solvency Ratio (Debt to Asset Ratio = 2018 as much as 51.98%, in 2019 as much as 48.58%, &amp; in 2020 as much as 43.92%). From the study result, there was a decrease every year. Profitability Ratio showed the output of the ROA analysis was incuded in the criteria quite good &amp; the output of the ROE analysis is included in the criteria was not good. Because the capital invested in KPRI Makmur wouldn’t made SHU as a result, the resulting output decreases in the output of profit (profit) obtained when measured according to KPRI Makmur's capital. However, the Liquidity &amp; Solvency Ratio in KPRI Makmur was included by great criteria.</em></p> Fanny Latifah Wulandari Copyright (c) 2022 Fanny Latifah Wulandari https://creativecommons.org/licenses/by/4.0 2022-11-01 2022-11-01 5 2 234 246 10.26740/jekobi.v5n2.p234-246 Perspektif Ekonomi Islam Pada Jual Beli Pakaian Bekas Impor (Studi Kasus @Calamae) https://journal.unesa.ac.id/index.php/jei/article/view/18522 <p>Buying and selling clothes is a common buying and selling in society. And in recent times, buying and selling of imported used clothes has also attracted a lot of attention from the public, especially those from generation Z. This study aims to analyze the phenomenon of buying and selling imported used clothes online through an Islamic economic point of view and based on applicable laws in Indonesia. territory of the Republic of Indonesia. This research uses descriptive qualitative method. The researcher describes the mechanism of buying and selling used clothes that occurs in the @calamae account and then studied based on an Islamic economic perspective. The results of this study indicate that the buying and selling practices carried out on the @calamae account are in accordance with the terms of sale and purchase according to Islam, but if traced from the beginning the goods were obtained, there are disadvantages in them because the goods were obtained illegally and violated the export-import laws that apply in Indonesia. Indonesia.</p> Khoirum Makhmudah Moch. Khoirul Anwar Copyright (c) 2022 Khoirum Makhmudah, Moch. Khoirul Anwar https://creativecommons.org/licenses/by/4.0 2022-11-01 2022-11-01 5 2 247 258 10.26740/jekobi.v5n2.p247-258 Pengaruh Penggunaan Debit Card dan E-Money terhadap Perilaku Konsumtif Mahasiswa Prodi Ekonomi Islam Fakultas Ekonomika Dan Bisnis Unesa https://journal.unesa.ac.id/index.php/jei/article/view/18210 <p><em>This research was conducted to analyze whether there is an effect of using debit cards and e-money on the consumptive behavior of students of the Islamic Economics Study Program, Faculty of Economics, State University of Surabaya. The population of this research is students of the Islamic Economics Study Program, Faculty of Economics and Business, UNESA batch 2018, 2019, and 2020, totaling 174 students with the criteria of having taken financial management courses and with an allowance of Rp. 1,000,000. Determination of the sample by purposive sampling and a total of 121 students. Data collection through questionnaires. This research uses linear regression analysis through SPSS 25. From the research conducted, the researchers obtained the results that debit cards and electronic money partially or simultaneously have a positive and simultaneous effect on student consumptive behavior. This is evidenced by the results of the R Square analysis with a value of 67.2%. This means that the variables X1 (debit card) and X2 (e-money) simultaneously have an influence on variable Y (consumptive behavior) as much as 67.2% and at least 32.8% are influenced by variables outside of this research..</em></p> Muhammad Bilal Abdillah Rasyid A’rasy Fahrullah Copyright (c) 2022 Muhammad Bilal Abdillah Rasyid, A’rasy Fahrullah https://creativecommons.org/licenses/by/4.0 2022-11-01 2022-11-01 5 2 157 186 10.26740/jekobi.v5n2.p157-186 Pengaruh Pembiayaan Mikro terhadap Perkembangan UMKM Nasabah BSI KCP Mojopahit 2 https://journal.unesa.ac.id/index.php/jei/article/view/18285 <p><em>The development of MSMEs in Indonesia is not free from problems, some of the problems generally experienced by MSMEs are limited sources of capital, the difficulty of raw materials that are affordable but of high quality, limited knowledge and technology, market and marketing information, and the quality of human resources. However, most of the problems faced by MSMEs have serious problems in terms of funding or capital which are difficult to obtain so that MSMEs cannot develop a larger market. From these various problems, Bank Syariah Indonesia launched a micro financing program which is capital or investment aimed at micro, small, and medium enterprises in the productive business sector. The purpose of this research is to see and determine the effect of microfinance on the development of MSME customers of BSI KCP Mojopahit 2. The type of research used in this study is quantitative research whose data is obtained from microfinance customers of BSI KCP Mojopahit 2 for the 2022 period. The results of this study indicate that the variable X has an effect on the Y variable. Micro-financing has a positive and significant effect on the development of MSME customers of BSI KCP Mojopahit by 0.292. So, if microfinance increases, the development of MSMEs also increases.</em></p> Desy Wulan Rachmawati Copyright (c) 2022 Desy Wulan Rachmawati https://creativecommons.org/licenses/by/4.0 2022-11-01 2022-11-01 5 2 145 156 10.26740/jekobi.v5n2.p145-156 Analisis Hukum Islam Terhadap Pinjaman Uang Elektronik Shopee Paylater pada Marketplace Shopee https://journal.unesa.ac.id/index.php/jei/article/view/18248 <p><em>One form of technological development is the existence of Shopee Paylater which provides convenience in shopping with a buy now pay later system. However, people are still unsure about using it, whether the transaction is allowed in Islam or not. This study aims to identify and analyze the practice of using Shopee Paylater as well as a review of Islamic law on Shopee Paylater electronic money loans on the Shopee marketplace. The method used is descriptive qualitative research where the author describes the practice of using Shopee Paylater electronic money which is then studied from the point of view of Islamic law. The results of this study explain that the practice of using Shopee Paylater is not in accordance with sharia principles so it is not allowed because there are several provisions that contain usury with additional payments and fines due, and there are several elements that contradict the DSN-MUI Fatwa No: 116/DSN- MUI/IX/2017 include the use of electronic money obtained by not making a deposit first but in the form of a loan given in the form of a limit, while the limit obtained cannot be disbursed in physical form, and there is usury in it. The use of additional fees or usury can be avoided by using an ijarah contract as a form of application rental fees.</em></p> Amtricia Ananda Copyright (c) 2022 Amtricia Ananda https://creativecommons.org/licenses/by/4.0 2022-11-01 2022-11-01 5 2 131 144 10.26740/jekobi.v5n2.p131-144