ESA, published by the Study Program: Sharia Economics, Abu Zairi Bondowoso College of Sharia Studies as a medium for exchanging information and scientific works between lecturers, alumni, students, readers and observers of Sharia Economics issues. And to channel the results of field or laboratory research and literature studies. This journal is published twice a year, namely in February and August. E-ISSN : 2746-0843, P-ISSN : 2745-8393
SEKOLAH TINGGI ILMU SYARIAH ABU ZAIRI BONDOWOSO
LITIGASI SENGKETA EKONOMI SYARIAH: STRATEGI DAN PRAKTIK ADVOKAT FIRMA HUKUM KARIMATA
The development of the Sharia-based financial and business industry in Indonesia has driven an increase in economic transactions using Sharia contracts. On the other hand, this dynamic has also given rise to various disputes related to breach of contract, contract enforcement, and differences in interpretation of Sharia contracts. In certain circumstances, these disputes cannot be resolved through non-litigation channels and must be pursued through litigation in the courts. Therefore, the role of advocates is crucial in formulating litigation strategies that are not only based on positive law but also consider the principles of Sharia economics. This study aims to analyze the strategies and practices of advocates in handling Sharia economic dispute litigation, specifically the advocacy practices carried out by advocates at the Karimata Law Firm. This study uses a qualitative approach with a case study design. Data were obtained through in-depth interviews with advocates experienced in handling Sharia economic cases, observations of advocates' work processes in handling cases, and documentation and literature review related to Sharia economic law and litigation practices. The collected data was then analyzed qualitatively through data reduction, data presentation, and conclusion drawing to gain a comprehensive understanding of advocacy strategies for resolving Sharia economic disputes through litigation. The research findings indicate that the practice of Sharia economic dispute litigation has unique characteristics that require advocates to integrate an understanding of positive law with Sharia economic principles. An effective litigation strategy begins with an in-depth case analysis, including examining contract documents, identifying potential breaches of contract, and mapping the parties' legal positions. Furthermore, the success of a case is greatly influenced by the advocate's ability to develop systematic and evidence-based legal arguments. The research findings also indicate that an advocate's practical experience plays a crucial role in understanding trial dynamics and formulating appropriate strategies during the litigation process. Furthermore, good communication between the advocate and the client is a supporting factor in maintaining information consistency and strengthening the legal position in court. Therefore, the success of Sharia economic dispute litigation is determined not only by the normative aspects of the law but also by the advocate's professional competence in managing a structured advocacy strategy aligned with the values ​​of justice in Sharia principles.
Copyright (c) 2026 Dela Puspita Sari, Sofiatus Sobriyah, Siti Rohmah, Siti Aisyah https://creativecommons.org/licenses/by/4.0
ANALISIS PENGARUH RELIGIUSITAS DAN ETIKA BISNIS ISLAM TERHADAP MINAT BELI ONLINE PRODUK MAKANAN HALAL MAHASISWA PRODI EKONOMI SYARIAH PADA PERGURUAN TINGGI KEAGAMAAN ISLAM (PTKI) DI KABUPATEN BONDOWOSO
This study aims to test and empirically prove (1) the influence of religiosity on the interest in buying halal food products online for students of Islamic economics study programs at Islamic religious colleges (PTKI) in Bondowoso Regency. (2) the influence of Islamic business ethics on the interest in buying halal food products online for students of Islamic economics study programs at Islamic religious colleges (PTKI) in Bondowoso Regency. This type of research uses a quantitative approach. The population of this study was students of Islamic economics study programs at Islamic religious colleges (PTKI) in Bondowoso Regency, namely students of IAI At-Taqwa Bondowoso and STIS Abu Zairi Bondowoso with a population of 220 people, and the sample in this study was 135 respondents. The sampling method used the Isac Micheal formula with a margin of error of 5 percent (Sig.0.05), and used the Simple Random Sampling method. The data collection technique used a questionnaire survey. The analysis hypothesis using multiple linear regression analysis. Based on the results of the research that has been carried out, it shows that the results of the multiple linear regression test are, (1) the religiosity variable has a significant effect on the interest in buying halal food products online for students of the Islamic economics study program at Islamic religious colleges (PTKI) in Bondowoso Regency, where the significance value is 0.000 0.05 (a = 5%), so the hypothesis is accepted. (2) the Islamic business ethics variable has a significant effect on the interest in buying halal food products online for students of the Islamic economics study program at Islamic religious colleges (PTKI) in Bondowoso Regency, where the significance value is 0.000 < 0.05 (a = 5%), so the hypothesis is accepted.
Copyright (c) 2026 Rumah Jurnal https://creativecommons.org/licenses/by/4.0
PENGARUH LITERASI KEUANGAN SYARIAH, RELIGIUSITAS, DAN DIGITAL BANKING TERHADAP MINAT MENGGUNAKAN BANK SYARIAH DI BANK SYARIAH INDONESIA CABANG LUMAJANG: ANALISIS SEM-PLS PADA GENERASI MILENIAL
Abstract This study examines the influence of Islamic financial literacy, religiosity, and digital banking on millennials’ intention to use Islamic banking services. Despite the significant growth of Islamic banking in Indonesia, its market share remains below its potential, particularly among the millennial segment, which is characterized by strong technological adaptability. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected from 150 millennial respondents aged 25–40 years through a structured questionnaire. The measurement model assessment confirmed adequate convergent validity, discriminant validity, and reliability across all constructs. The structural model results indicate that Islamic financial literacy, religiosity, and digital banking positively and significantly influence the intention to use Islamic banks. The model explains 68.2% of the variance in behavioral intention (R² = 0.682). Among the predictors, digital banking emerged as the most dominant factor, highlighting the critical role of technological convenience, accessibility, and service efficiency in shaping millennials’ banking preferences. These findings suggest that strengthening digital transformation strategies, alongside enhancing Islamic financial literacy and value-based engagement, is essential for increasing Islamic banking adoption among younger generations. Keywords: Islamic financial literacy, religiosity, digital banking, PLS-SEM, millennials
Copyright (c) 2026 andila-ramadani ramadani, Muhammad Ichwanus Surur https://creativecommons.org/licenses/by/4.0
ANALISIS IMPLEMENTASI CASHLESS SYSTEM BERBASIS FINGERPRINT DALAM MENINGKATKAN KEDISIPLINAN KEUANGAN SANTRI
The development of financial digitalization today encourages Islamic boarding schools (pesantren) to adopt more effective and efficient financial service systems. The presence of a fingerprint-based cashless system serves as a form of modernization and enhancement of financial transparency in pesantren, which typically involve numerous economic activities. This study aims to examine and analyze the benefits, implications, and challenges of implementing a fingerprint-based cashless system in improving students’ financial discipline. This research employs a descriptive qualitative method by conducting observations, documentations, and interviews with students and the management of TMI Al-Amien Prenduan as direct users of the fingerprint-based cashless system in their daily payment activities. The findings indicate that the fingerprint-based cashless system simplifies students’ daily transactions, increases the efficiency of pesantren financial services, strengthens transparency, and enhancing discipline in the financial management of the students. The system also enables more accurate and structured financial monitoring, particularly for parents or guardians who can directly track their children’s spending activities through an application integrated into their mobile devices. However, several challenges persist, including the risk of consumptive behavior due to transaction convenience, limited digital literacy among some students, and data security issues that require serious attention. Overall, the implementation of the fingerprint-based cashless system is considered effective in supporting the modernization and accountability of pesantren financial management. Its successful implementation of fingerprint-based cashless requires support in financial literacy, consumption pattern education, and the application of Islamic economic principles to create a safe and proportional financial digitalization. Keywords: cashless system; financial discipline; student.
Copyright (c) 2026 Erlina Agustin, Didin Burhanudin Rabbani, Qurratul Kamilia https://creativecommons.org/licenses/by/4.0
EKOSISTEM INKUBASI BISNIS BERBASIS PESANTREN
This study aims to analyze the Islamic boarding school ecosystem as a center for business incubation based on Islamic values, using a case study of the Al-Mashduqiah Islamic Boarding School in Patokan, Kraksaan, Probolinggo. As an Islamic educational institution undergoing transformation, Islamic boarding schools now function not only as centers of education and da'wah, but also as drivers of the community's economy through the development of cooperatives and student business units. This study uses a descriptive qualitative approach with in-depth interviews, participatory observation, and documentation of pesantren caregivers, cooperative administrators, santri, and the surrounding community. The results show that the Al-Mashduqiah Islamic Boarding School Cooperative (Kopontren) plays a strategic role in creating an independent and sustainable business ecosystem for Islamic boarding schools. Through cooperative units, boarding school wholesalers, and santripreneur training activities, Islamic boarding schools are able to combine spiritual, social, and economic values into a single practice-based learning system. Kopontren Al-Mashduqiah functions effectively as a sharia business incubation center, which not only meets the economic needs of the pesantren, but also fosters the entrepreneurial spirit of santri and strengthens the economic independence of the community. It also serves as a pesantren business incubation ecosystem that not only supports the internal economic needs of the pesantren, but also becomes a medium for learning, character building, and real Islamic economic da'wah. Keywords: ecosystem, business incubation, pesantren.
Copyright (c) 2026 Zainur Ridho, Muhammad Jamaluddin, Abdul Ghafur https://creativecommons.org/licenses/by/4.0
PEMANFAATAN TIKTOK LIVE SEBAGAI MEDIA KOMUNIKASI PEMASARAN DIGITAL DALAM MENINGKATKAN PENJUALAN BAJU BEKAS(THRIFTING) DITINJAU DARI PERSPEKTIF MANAJEMEN PEMASARAN SYARIAH
The development of digital technology has transformed marketing strategies, including the use of TikTok Live as an interactive communication medium between businesses and consumers. This study aims to analyze the utilization of TikTok Live in increasing secondhand clothing (thrifting) sales by the ft.Second store, as well as to evaluate its alignment with the principles of Islamic marketing management. A qualitative descriptive method was employed, with data collected through observation, in-depth interviews, and documentation. The findings show that TikTok Live effectively enhances consumer engagement and trust, contributing to a significant increase in sales. Moreover, ft.Second applies Islamic values such as shiddiq (truthfulness), amanah (trustworthiness), tabligh (transparency), and fathanah (wisdom) in its marketing activities. In conclusion, TikTok Live serves as a digital marketing strategy that is not only effective but also in line with ethical principles in Islamic marketing management.
Copyright (c) 2025 Muhammad Fasichul Lisan, Darul Islam, Achmad Fahim https://creativecommons.org/licenses/by/4.0
PEMANFAATAN TEKNOLOGI DIGITAL UNTUK MENINGKATKAN PENJUALAN KAMBING DALAM PERSPEKTIF ETIKA BISNIS ISLAM
The purpose of this study is to analyze how the use of digital technology can increase sales in the goat trading industry and how its implementation is viewed from the perspective of Islamic business ethics. Digital transformation has brought significant changes to trade patterns, including in traditional livestock sectors such as the goat trade. Through digital platforms such as social media, marketplaces, and instant messaging applications, goat breeders and traders can reach a wider market, increase price transparency, and expedite transaction processes. This research uses a qualitative case study approach to examine several goat trading businesses that have implemented digital technology in their operations. The research findings indicate that digital technology can significantly increase sales and business performance. From the perspective of Islamic business ethics, the use of this technology is considered positive if its application aligns with the principles of honesty (shidq), justice (adl), openness (transparency), and does not contain elements of fraud (gharar) or usury (riba). Thus, digitalization in the goat trade not only contributes to economic growth but can also align with Islamic values if managed ethically and responsibly
Copyright (c) 2025 Mohammad Miftachul Ma’ruf, Achmad Fahim, Moh Ya’kub https://creativecommons.org/licenses/by/4.0
KONTRIBUSI TEAMWORK DALAM MENINGKATKAN EFISIENSI OPERASIONAL DAN PROFITABILITAS CABANG BMT
This study aims to analyze the contribution of teamwork in improving the operational efficiency and protectability of BMT branches. This study uses a qualitative descriptive technique, which is a process of observation as well as literature studies cited from relevant sources to gain in-depth insight into the role of teamwork in BMT branches. Mention relevant literature sources to provide a theoretical and contextual basis regarding teamwork, operational efficiency, and profitability. This literature will include relevant theories, models, and previous findings. The purpose of this review is to provide an alternative for workers or employees in improving operational efficiency and profitability of branches while maintaining teamwork as well as assessing how teamwork contributes to improving operational efficiency and profitability. With good teamwork, coordination between team members becomes more effective. This minimizes overlapping tasks and ensures that each team member clearly understands their roles and responsibilities. Good cooperation creates synergy, where the combined efforts of individuals produce greater results than if they worked separately. This helps the team to achieve common goals more efficiently. With this structure and approach, the research is expected to provide in-depth insights and practical recommendations.
Copyright (c) 2025 Ita Marianingsih, Andi Rahmad Hidayat, Kazimah https://creativecommons.org/licenses/by/4.0
TINJAUAN EKONOMI SYARIAH TERHADAP JUAL BELI PUPUK DOLOMIT SECARA TANGGUH
In society, buying and selling practices are often carried out without proper understanding of their compliance with sharia principles. One example is the deferred payment sale (jual beli secara tangguh) of dolomite fertilizer in Wadeng Village, Sidayu Sub-district, Gresik Regency, which has emerged as a solution to farmers’ limited capital. However, this practice raises several concerns from a sharia perspective, such as price markup, unclear contract terms, and the potential elements of riba and gharar. This study aims to examine the conformity of such practices with the principles of Islamic economics. The research adopts a qualitative approach using a case study method through observation, interviews, and documentation. The findings indicate that although the deferred system offers convenience to farmers, there are deviations from sharia principles, particularly in price transparency, clarity of payment deadlines, and the absence of written contracts. Therefore, there is a need for better understanding and education regarding sharia contracts, particularly bai’ muajjal, to ensure that transactions are conducted fairly and in accordance with Islamic guidelines. Keywords: Islamic Economics, Buying and Selling, Dolomite Fertilizer, Deferred System, Bai’ Muajjal
Copyright (c) 2025 Eriel Azimi, Moh. Ya'kub Ya'kub, Muhammad Shaiful Umam Shaiful https://creativecommons.org/licenses/by/4.0
JUAL BELI BIBIT UDANG DENGAN SISTEM TAKARAN DALAM PERSPEKTIF FIQIH MUAMALAH
Penelitian ini mengkaji praktik penjualan benur udang vannamei di Desa Purwodadi, Kecamatan Sidayu, Kabupaten Gresik, yang menggunakan satuan taksiran yang dikembangkan secara lokal yang disebut rean (sekitar 5.000 ekor udang per bungkus), sebagai pengganti alat ukur konvensional seperti timbangan. Sistem yang umum digunakan oleh petambak udang lokal ini mengandalkan taksiran visual selama proses transaksi. Dengan menggunakan pendekatan kualitatif dengan metode fenomenologi kritis, penelitian ini menganalisis keabsahan praktik ini dari perspektif yurisprudensi perdagangan Islam ( fiqih muamalah ). Temuan penelitian menunjukkan bahwa transaksi dengan sistem rean tetap sah menurut hukum Islam sepanjang memenuhi rukun dan syarat akad jual beli, seperti kejelasan objek, kerelaan bersama, dan kecakapan hukum kedua belah pihak. Praktik ini tergolong bai' juzaf, yaitu jual beli yang sah berdasarkan taksiran dan dianggap 'urf shahih karena lazim di masyarakat dan sesuai dengan prinsip syariah. Studi ini menekankan perlunya pendekatan yurisprudensial yang fleksibel untuk memastikan nilai-nilai hukum Islam tetap relevan secara kontekstual dalam praktik ekonomi berbasis masyarakat.
Copyright (c) 2025 Muhammad Syadidul Itqon, Muhammad Ala'uddin, Muhammad Shaiful Umam https://creativecommons.org/licenses/by/4.0
KONSEP GHARĀR DAN PENGARUHNYA TERHADAP KEADILAN EKONOMI
This study explores how gharār can be identified and minimized in modern transactions that often involve high uncertainty. Library research is used in this study to collect, analyze and interpret data from various written sources in an integrative and comprehensive manner. The results state that the concept of gharār proves the flexibility and depth of Islamic law in responding to modern economic challenges, making it an ethical guide that avoids uncertainty and excessive speculation and promotes fairness, transparency and sustainability in transactions. More than just a prohibition, gharār is the foundation for formulating inclusive economic policies, addressing social inequality, poverty, and environmental degradation through an adaptive approach to technologies such as fintech and e-commerce without compromising sharia values. With collaboration between scholars, regulators, and practitioners, gharār serves as a universal principle that ensures the Islamic economic system remains globally relevant, not only as an alternative but also as a model of transformation towards a more just, sustainable, and collective welfare-oriented economy. Keywords: Gharār, Uncertainty, Justice, Islamic Economics.
Copyright (c) 2025 Suud Sarim Karimullah https://creativecommons.org/licenses/by/4.0
PERAN ORGANISASI ISLAM DALAM PENGEMBANGAN EKONOMI ISLAM DI INDONESIA
This research explores the role of Islamic organizations in promoting the development of Islamic economics in Indonesia. The study focuses on key activities such as education on sharia principles, the establishment of Islamic financial institutions, waqf management, policy advocacy, and the promotion of halal economic awareness. It investigates how prominent organizations like Nahdlatul Ulama, Muhammadiyah, the National Sharia Council (DSN), and the National Amil Zakat Agency (BAZNAS) contribute to building an inclusive Islamic economic ecosystem. Using a qualitative approach through literature review and interviews with organizational representatives, the findings indicate that Islamic organizations play a critical role in enhancing Islamic financial literacy, providing sharia-compliant financial services, and supporting national policy efforts. However, challenges remain, particularly in expanding access to these services and increasing public engagement. This study highlights the significant impact of Islamic organizations on the growth of sharia economics in Indonesia
Copyright (c) 2025 Siti Ifa Nurjannah, Ratu Attak Angelia Hayya https://creativecommons.org/licenses/by/4.0
PERAN EKONOMI ISLAM DALAM PENGENTASAN KEMISKINAN DAN PEMBERDAYAAN EKONOMI UMMAT
Poverty is a complex social problem and a serious challenge for countries with a Muslim majority population. Islamic economics offers an approach based on the values of social justice, solidarity, and ethics to address this issue. Amidst global economic instability causing conventional financial institutions to fail, Islamic economics has shown resilience and significant growth. This study aims to analyze the role of Islamic economics in alleviating poverty and empowering the community’s economy. Based on principles outlined in the Quran, this research explores the concept of empowerment through two main approaches: social rehabilitation and community development. The findings indicate that the Islamic economic approach has the potential to improve the welfare of the poor through fairer and more sustainable empowerment mechanisms.
Copyright (c) 2025 Ahmad Mundir, M. Imron Rosidi, Nurul Setianingrum, Retna Anggitaningsih https://creativecommons.org/licenses/by/4.0
EVOLUSI PEMIKIRAN EKONOMI ISLAM DI INDONESIA: DARI TRADISI KE MODERNISASI
This study explores the evolution of Islamic economic thought in Indonesia, from traditional practices to modernized systems. The scope includes tracing significant transformations in Islamic economics and its adoption in the financial and social sectors. The purpose of the study is to analyze how traditional Islamic economic principles have adapted to contemporary economic demands. Using a qualitative descriptive approach, this research employs library research to gather insights from academic works and historical documents. The findings reveal three major phases in the development of Islamic economic thought in Indonesia: the traditional phase, the modern phase marked by the establishment of Islamic financial institutions, and the contemporary phase, where Islamic finance has become more integrated into the national economy. The study concludes that, despite modernization, Islamic economics in Indonesia remains grounded in core principles of social justice, economic freedom, and responsibility. This evolution underscores the potential of Islamic economics to offer sustainable economic solutions aligned with both religious values and modern needs.
Copyright (c) 2025 Nurlaila Madinatul, Ulfanianatul Hasanah, Nurul Setianingrum, Retna Anggitaningsih https://creativecommons.org/licenses/by/4.0
KEADILAN DISTRIBUSI DAN PERLINDUNGAN TERHADAP KAUM LEMAH
Distributional justice and protection of the weak are two important issues in efforts to create a just and prosperous society. Distributive justice includes the principle that resources, wealth, and opportunities must be distributed equally so that every individual, especially those in vulnerable positions, has equal access. This concept is strengthened by the justice theory of John Rawls and Aristotle, which emphasizes the importance of social policies that support the welfare of weak groups. In the Indonesian context, significant social and economic inequality demands serious attention, especially in the form of inclusive policies and legal support. In addition, the Islamic perspective provides an additional dimension in understanding distributional justice through the mechanisms of zakat, infaq and alms, which function to prevent the accumulation of wealth in the hands of a few people. With collaboration between the government, civil society and the private sector, it is hoped that efforts to achieve distributional justice and protect the weak can be realized effectively. This paper aims to analyze the concept of distributive justice, identify the challenges faced by the weak, and encourage social awareness regarding the importance of justice and protection for vulnerable groups.
Copyright (c) 2025 Siti Rodiah, Abdul Hamid https://creativecommons.org/licenses/by/4.0
PERAN USAHA MIKRO KECIL MENENGAH (UMKM) DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT DALAM PERSPEKTIF ISLAM
Desa Srowo yang terletak di Kecamatan Sidayu, Kabupaten Gresik dengan struktur geografi desa yang memiliki area tambak yang luas dengan mayoritas penduduk berprofesi sebagai nelayan serta beberapa UMKM seperti bonggolan dan kerupuk ikan. Permasalahan yang dihadapi para pelaku Usaha Mikro Kecil Menengah (UMKM) yang rada di Desa Srowo Kecamatan Sidayu Kabupaten Gresik adalah terkait bagaimana peran UMKM meningkatkan kesejahteraan masyarakat desa serowo dalam prespektif ekonomi islam. Selain itu pemberdayaan Usaha Mikro Kecil Menengah (UMKM) yang dilakukan Badan Usahan Milik Desa (BUMDES) dan Koperasi yang ada di Desa Srowo yang belum optimal dalam memberikan hasil yang maksimal, terhadap perkembangan perekonomian di Desa Srowo. Penelitian dilakukan dengan menggunakan metode deskriptif kualitatif dengan metode wawancara,wawancara ini bertujuan untuk memperoleh informasi data yang dibutuhkan untuk penelitian. Hasil penelitian yang di dapat adalah bahwa dengan adanya UMKM tersebut memiliki peran yang sangat penting bagi kesejahteraan masyarakat dengan membuka lapangan kerja dan menambah pendapatan masyarakat sekitar sehingga dapat mencukupi kebutuhan sehari-hari seperti pangan.
Copyright (c) 2024 Mohammad Fajar Setiawan Melala, Acmad Fahim https://creativecommons.org/licenses/by/4.0
IMPLEMENTASI JUAL BELI ONLINE DENGAN SISTEM ARISAN DALAM PERSPEKTIF EKONOMI ISLAM
Penelitian ini bertujuan untuk menjawab rumusan masalah yaitu bagaimana praktik jual beli online dengan sistem arisan pada akun Instagram @Bigenmi.Store, bagaimana jual beli online dengan sistem arisan pada akun Instagram @Bigenmi.Store dalam perspektif ekonomi Islam, dan bagaimana pandangan ulama/ akademisi mengenai praktik jual beli online dengan sistem arisan pada akun instagram @Bigenmi.store. Penelitian ini berjenis penelitian kualitatif. Teknik pengumpulan data menggunakan teknik observasi, wawancara, dan dokumentasi dengan. Data yang diperoleh dianalisis menggunakan analisis deskriptif dengan pola pikir interaktif. Hasil penelitian menyimpulkan bahwa ual beli online dengan sistem arisan bagi orang yang berminat bisa menghubungi owner melalui jaringan pribadi (japri) ke nomor WhatsApp atau Instagram. Arisan kacamata terdapat 2 tim peserta arisan per tahun, per tim terdapat 6 anggota yang berlangsung selama 6 bulan. Harga kacamata Rp. 600.000,. pembayaran arisan dicicil setiap 1 bulan sekali sejumlah Rp. 100.000,- per orang, bisa melalui transfer bank dan bisa secara langsung, pengundian pemenang arisan dilakukan secara acak sampai anggota memperoleh gilirannya masing-masing. Menurut perspektif ekonomi Islam jual beli online dengan sistem arisan ini diperbolehkan dan tidak bertentangan dengan hukum Islam jika sudah memenuhi rukun dan syarat. Terdapat pihak yang berakad yaitu penjual (ketua arisan) dan pembeli (anggota arisan), terdapat ijab qabul, terdapat barang yang diperjualbelikan, dan terdapat alat tukar penganti barang. Praktik arisan sudah menerapkan prinsip-prinsip ekonomi Islam, yaitu prinsip Al-Ihsan, Al-Mas'uliyah, Al-kifayah, keseimbangan, kejujuran, tidak ada paksaan, mempunyai manfaat, dan berbuat keadilan. Menurut salah satu pandangan ulama kegiatan ini melibatkan multi akad, hal ini dikarenakan pada kegiatan tersebut ketua arisan/admin yang mengelola kegiatan arisan (wakil) juga mengurusi akad mudayanah (hutang piutang), dan akad bai’ uhdah yaitu (jual beli dengan tempo).
Copyright (c) 2024 Isnina Maulinda, Niswatun Hasanah https://creativecommons.org/licenses/by/4.0
PENGARUH KUALITAS PRODUK, KUALITAS PELAYANAN, DISPOSIBLE INCOME, DAN TINGKAT PENGETAHUAN TERHADAP MINAT MENABUNG NASABAH DI BMT SURYA RAHARJA CABANG BUNGAH GRESIK
Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh kualitas produk, kualitas pelayanan, disposible income, dan tingkat pengetahuan terhadap minat menabung nasabah di BMT Surya Raharja Cabang Bungah Gresik. Penelitian ini menggunakan metode kuantitatif. Responden yang digunakan adalah nasabah BMT Surya Raharja Cabang Bungah dengan populasi 1.576, sedangkan jumlah sampel sebanyak 100 responden. Teknik pengambilan sampel menggunakan teknk Probability sampling. Teknik analisis data yang digunakan dalam penelitian ini meliputi : Uji Instrumen, Uji Asumsi Klasik, Analisis Regresi Linear Berganda, Uji t dan Uji F. Hasil penelitian secara simulta menunjukkkan bahwa kualitas produk, kualitas pelayanan, disposible income, dan tingkat pengetahuan berpengaruh terhadap minat menabung nasabah yang diperoleh hasil penelitian F hitung 56,296 > F tabel 2,70 dengan nilai sig 0,00 < 0,05. Hasil penelitian dalam Uji t menunjukkan bahwa secara parsial kualitas produk berpengaruh positif dan sigifikan terhadap minat menabung nasabah diperoleh hasil t hitung sebesar 3,755 > dari t tabel 1,984 dengan nilai signifikansi 0,000 < 0,05 dan nilai koefisien 0,319. Kualitas pelayanan berpengaruh positif dan signifikan terhadap minat menabung nasabah diperoleh hasil t hitung sebesar 3,375 > dari t tabel 1,984 dengan nilai signifikansi 0,001 < 0,05 dan nilai koefisien sebesar 0,250. Disposibel income tidak berpengaruh terhadap minat menabung nasabah diperoleh hasil t hitung sebesar 1,621 < dari t tabel 1,984 dengan nilai signifikansi 0,108 > 0,05 dan nialai koefisien sebesar 0,221. Tingkat pengetahuan tidak berpengaruh terhadap minat menabung nasabah diperoleh hasil t hitung sebesar 1,201 < dari t tabel 1,984 dengan nilai signifikansi 0,233 > 0,05 dan niali koefisien sebesar 0,169.
Copyright (c) 2024 Hikmatuz Zahwa, Fatihatus Sahliyah, Shaiful Umam https://creativecommons.org/licenses/by/4.0
IMPLEMENTASI MANAJEMEN RISIKO PADA PT. PEGADAIAN SYARIAH CABANG BONDOWOSO
Penelitian ini bertujuan untuk menganalisis implementasi manajemen risiko di PT Pegadaian Syariah Cabang Bondowoso, dengan fokus pada identifikasi, penilaian, mitigasi, serta pemantauan dan evaluasi risiko. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data dikumpulkan melalui wawancara mendalam dengan manajer cabang dan staf manajemen risiko, observasi partisipatif, studi dokumen, serta kuesioner terbuka kepada nasabah.Hasil penelitian menunjukkan bahwa PT Pegadaian Syariah Cabang Bondowoso telah mengidentifikasi risiko-risiko utama yang mencakup risiko kredit, operasional, likuiditas, dan kepatuhan. Penilaian risiko dilakukan secara kualitatif dan kuantitatif, yang menghasilkan klasifikasi risiko berdasarkan tingkat frekuensi dan dampaknya. Untuk mengelola risiko kredit, perusahaan menerapkan prosedur penilaian kelayakan kredit yang ketat dan memiliki mekanisme lelang barang jaminan untuk meminimalkan kerugian. Risiko operasional dikelola melalui pelatihan staf dan penggunaan sistem manajemen risiko berbasis IT. Risiko likuiditas dan kepatuhan diatasi dengan diversifikasi sumber pendanaan dan audit kepatuhan yang ketat.Pemantauan dan evaluasi risiko dilakukan secara terus-menerus menggunakan dashboard manajemen risiko dan audit berkala. Meskipun manajemen risiko telah diterapkan dengan baik, penelitian ini menemukan bahwa ada kebutuhan untuk meningkatkan pelatihan staf, integrasi sistem IT, dan pengawasan kepatuhan syariah.Penelitian ini menyimpulkan bahwa PT Pegadaian Syariah Cabang Bondowoso telah mengimplementasikan manajemen risiko dengan cukup efektif, namun masih terdapat area yang memerlukan peningkatan. Rekomendasi diberikan untuk meningkatkan pelatihan staf, pengembangan sistem IT, dan audit kepatuhan yang lebih ketat untuk memastikan efektivitas manajemen risiko yang lebih baik di masa depan
Copyright (c) 2024 Muhammad Bahanan, Haqiqotus Sa’adah https://creativecommons.org/licenses/by/4.0
MENINGKATKAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) MELALUI FINTECH SYARIAH PEER TO PEER LENDING : MEKANISME, PELUANG DAN TANTANGAN
Abstrak Pentingnya peran fintech syariah tidak hanya terbatas pada pengelolaan keuangan, namun membawa dampak positif dalam mendukung kewirausahaan dan Usaha Mikro Kecil dan Menengah (UMKM) yang mengacu pada nilai-nilai syariah. Hal ini membuka peluang yang luas untuk pengembangan sektor UMKM yang memiliki peran sentral dalam perekonomian. Fintech syariah Peer to Peer Lending memiliki peluang yang besar dalam membantu perekonomian negara misalnya Indonesia yang mayoritas penduduknya adalah Muslim. Namun, seiring dengan peluang besar yang dimiliki fintech syariah Peer to Peer Lending, muncul pula beberapa tantangan yang harus dihadapi seperti masih banyak masyarakat yang belum mengetahui bagaimanan mekanisme dari fintech syariah Peer to Peer Lending. Berdasarkan permasalahan tersebut, maka penelitian ini bertujuan untuk mengetahui bagaimana mekanisme, peluang dan tantangan yang harus dihadapi fintech syariah Peer to Peer Lending. Penelitian pada artikel ini menggunakan metode studi pustaka (library research). Hasil penelitian menujukkan bahwa terdapat peluang dan tantangan yang harus dihadapi fintech syariah Peer to Peer Lending, diantaranya agama, regulasi, literasi, keamanan, persaingan antar kompetitor, sumber daya manusia, dan infrastruktur. Adapun mekanisme fintech syariah Peer to Peer Lending yang terdiri dari tiga subyek hukum, yaitu penyelengara, penerima pembiayaan dan pemberi pembiayaan. Kata Kunci: UMKM, Fintech syariah P2P Lending, Mekanisme, Peluang, Tantangan
Copyright (c) 2024 Zahrotul Jannah, Rizki Agustin, Uswatun Chasanah https://creativecommons.org/licenses/by/4.0
ANALISIS UKURAN DAN PERTUMBUHAN UMKM BERBASIS SYARIAH DI KABUPATEN BONDOWOSO PERIODE 2019 - 2023
Tujuan dari penelitian ini adalah untuk menganalisa peranan sektor usaha kecil menengah tidak berbadan hukum dalam penyerapan tenaga kerja di daerah Bondowoso. Penelitian ini juga menganalisa faktor-faktor lain yang mempengaruhi penyerapan tenaga kerja di sektor usaha kecil menengah tidak berbadan hukum. Objek penelitian adalah propinsi-propinsi yang ada di daerah Bondowoso dengan periode tahun 2019-2023. Hasil penelitian memperlihatkan bahwa sektor usaha kecil menengah tidak berbadan hukum mempunyai pengaruh yang positif dan signifikan terhadap penyerapan tenaga kerja. Sedangkan faktor lain yaitu produk domestik regional bruto per kapita dan upah minimum regional, masing-masing mempunyai pengaruh negatif dan positif yang signifikan terhadap penyerapan tenaga kerja di sektor usaha kecil menengah tidak berbadan hukum di daerah Bondowoso dengan periode tahun 2019-2023.
Copyright (c) 2024 Eko Raharto, Supriyanto, Izzah Dienillah https://creativecommons.org/licenses/by/4.0
PENGARUH KATALIS BAROKAH BANK JATIM SYARIAH DAN TECHNOLOGY ACCEPTANCE MODEL (TAM) TERHADAP LITERASI KEUANGAN SANTRI ABU ZAIRI BONDOWOSO
Kemajuan teknologi industri saat ini sudah menggerakkan manusia ke paradigma digital. Industri perbankan yang mendominasi sektor keuangan sedang bertransisi ke model transaksi baru berbasis IT yang dikenal dengan fintech (financial technology) seperti layanan fintech Bank Jatim Syariah berupa aplikasi Katalis Barokah yang diluncurkan di Pondok Pesantren Salafiyah Abu Zairi Bondowoso. Fokus masalah penelitian ini adalah: 1) Bagaimana pengaruh Katalis Barokah terhadap literasi keuangan?. 2) Bagaimana pengaruh persepsi kemudahan terhadap literasi keuangan?. 3) Bagaimana pengaruh persepsi kemanfaatan terhadap literasi keuangan?. Tujuan penelitian ini adalah: 1) Untuk mengetahui pengaruh Katalis Barokah terhadap literasi keuangan. 2) Untuk mengetahui pengaruh persepsi kemudahan terhadap literasi keuangan. 3) Untuk mengetahui pengaruh persepsi kemanfaatan terhadap literasi keuangan. Penelitian ini menggunakan pendekatan kuantitatif, dengan sumber data primer dan menggunakan metode survey, penelitian purposive sampling. Peneliti mengumpulkan informasi dengan menggunakan, kuesioner, dan lain-lain dengan jumlah 125 responden. Analisis Uji Validitas dan Reliabilitas, Uji Asumsi Klasik, Uji Normalitas, Analisis Regresi Linier Berganda, Pengujian Hipotesis, Uji t, Uji F dan Koefisien Determinasi (R2). Proses pengelolaan data menggunakan SPSS. Berdasarkan penelitian ini, diketahui bahwa 1) Katalis barokah berpengaruh positif dan signifikan secara parsial terhadap literasi keuangan. Nilai hasil Uji t menunjukkan (H1) variabel katalis barokah berpengaruh signifikan terhadap lierasi keuangan. Maka Ha diterima karena t hitung (1,370) > t tabel (0.176), dan nilai signifikasi lebih kecil sebesar 0.000 < 0,05 dan Ho ditolak; 2) Persepsi kemanfaatan berpengaruh positif dan tidak signifikan terhadap literasi keuangan. Nilai hasil Uji t menunjukkan (H2) variabel persepsi kemanfaatan ditolak karna tidak berpengaruh signifikan terhadap literasi keuangan karena nilai signifikasi 0.904 > 0,05, kriteria pengujian bisa diterima jika t hitung > t tabel (0.176), maka Ho tidak dapat ditolak karena sig. > 0,05 atau Ha ditolak; 3) Persepsi kemudahan berpengaruh positif dan tidak signifikan terhadap literasi keuangan. Nilai hasil Uji t yang menunjukkan bahwa (H3) variabel persepsi kemudahan ditolak karna tidak berpengaruh signifikan terhadap literasi keuangan karena nilai signifikasi 0.801 > 0,05, kriteria pengujian bisa diterima jika t hitung > t tabel (0.176), maka Ho tidak dapat ditolak karena sig. > 0,05 atau Ha ditolak.
Copyright (c) 2024 ULFANIANATUL HASANAH https://creativecommons.org/licenses/by/4.0
UTILISASI MEDIA SOSIAL SEBAGAI MEDIA PROMOSI UNTUK MENINGKATKAN VOLUME PENJUALAN UMKM BATU BATA BAROKAH DI DESA SUMBERPAKEM KEC. SUMBERJAMBE TAHUN 2023
Penelitian ini bertujuan untuk mendeskripikan utilitas media sosial sebagai media promosi pada konsumen. Peran media sosial yang masif digunakan dimanfaatkan oleh para pelaku UMKM untuk meningkatkan volume penjualan sehingga berdampak pada meingkatnya laba hasil penjualan.Desain penelitian menggunakan kualiatif pengumpulan data menggunakan observasi, wawancara dan dokuemnetasi. Analisis data menggunakan interaktif Miles-Hubermann and Saldana. Keabsahan data menggunakan trianggulasi sumber dan teknik. Hasil penelitian menunjukkan bahwa utilitas media sosial sebagai media promosi yang efektif menghasilkan 1) media sosila sebaga Sarana Promosi yang Efektif dan Efisien pada konsumen sangat positif dan berdamapak positif pada volume penjualan. 2) Interkasi secara langsung dengan pelanggan adalah salah satu utilitas media sosial yang berdampak pada vuleme penjulalan. Data menujukkan daalam 1 semester meningkat sekitar 10-15 % . 3) Utilitas media sosial juga mampu untuk memahami perilaku konsumen karena ini adalah kunci keberhasilan untuk meningkatkan volume penjualan pada produk UMKM
Copyright (c) 2024 Ahmad Muhyiddin, Suparjo Adi Suwarno https://creativecommons.org/licenses/by/4.0
MEMBANGUN KESADARAN PENGURUSAN SERTIFIKASI HALAL PELAKU UMKM SEBAGAI UPAYA MENINGKATKAN DAYA BELI MASYARAKAT PRESPEKTIF EKONOMI SYARIAH
Syariat Islam membawa misi kemaslahatan bagi segenap ummat manusia. Adanya Labeling Halal pada suatu produk makanan dan minuman yang digagas oleh pemerintah dalam hal ini Majelis Ulama Indonesia (MUI) dan Kementerian Agama lewat BPJPH (Badan Penyelenggara Jaminan Produk Halal) telah memberikan kepastian hukum terkait kehalalan produk makanan bagi pembeli atau konsumen. Kementerian Agama melalui Badan Penyelenggara Jaminan Produk Halal (BPJPH) sesuai amanat Undang-Undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal, mendapat mandat untuk menerbitkan produk sertifikat halal. Sebagai negara mayoritas penduduk muslim, jaminan halal terhadap suatu produk barang dan jasa menjadi hal penting di Indonesia. Untuk memenuhi jaminan halal tersebut, terdapat proses pemeriksaan sesuai dengan standar halal yang ditandai dengan penerbitan label sertifikasi halal.Penerbitan label halal tersebut saat ini diamanahkan kepada Badan Penyelenggara Jaminan Produk Halal (BPJPH) di bawah Kementerian Agama (Kemenag) sesuai dengan UU No.33 Tahun 2014 tentang Jaminan Produk Halal (JPH) yang sebelumnya dilakukan oleh Majelis Ulama Indonesia (MUI). Dengan adanya aturan UU 33/2014 dan aturan turunannya maka konsekuensinya semua produk yang beredar di Indonesia wajib memiliki sertifikasi halal. Kewajiban sertifikasi halal tersebut harus dipatuhi pelaku usaha secara bertahap hingga 2024 untuk produk makanan dan 2029 untuk barang gunaan. Kesimpulan dari tulisan adalah bahwa pendampingan sertifikasi halal bagi pekalu usaha UMKM terutama sektor makanan dan minuman sejalan dengan prinsip-prinsip ekonomi syariah bahwa barang yang diperjual belikan tidak mengandung unsur yang haram baik secara Zatnya (Haram Lidzatihi), atau karena faktor lain misal barang didapat dengan cara yang haram( Haram li Ghoirihi). Disinilah pentingnya pendampingan bagi para pelaku usaha UMKM yang akan berdampak terhadap meningkatnya daya beli masyarakat.
Copyright (c) 2024 Ahmad Hendra Rofiullah, Hasbi Ash Shiddiqi, Awaliya Safithri https://creativecommons.org/licenses/by/4.0
USAHA TANI TEMBAKAU UNTUK PENINGKATAN KESEJAHTERAAN KELUARGA ISLAMI PETANI TEMBAKAU DI DESA RANDUMERAK KECAMATAN PAITON KABUPATEN PROBOLINGGO
Agriculture is crucial to Indonesia's economy, serving as a cornerstone for food security and sovereignty. Despite this, agricultural livelihoods have not significantly improved living standards in Indonesia's fertile lands. As one of the six major commodities, tobacco holds a strategic position in Indonesia's industry and exports, particularly to European countries. This research focuses on Probolinggo, a East Java regency known for producing high-quality tobacco. Despite the higher prices of tobacco in this region, the economic conditions of tobacco farmers are not always prosperous. Tobacco farming in Probolinggo has faced losses in recent years. The village of Randumerak, with a majority of its population engaged in tobacco farming, is the research subject to explore the household welfare levels of tobacco farmers. Various issues, such as the religious prohibition on smoking, the Tobacco Bill, and product price fluctuations prompt the study. Tobacco farmers in Randumerak face uncertainty and anxiety, especially during the tobacco planting season. This research aims to measure the household welfare levels of tobacco farmers, focusing on income and social conditions. By understanding these conditions, it is hoped that solutions or strategies can be identified to enhance the welfare of tobacco farmers amidst economic dynamics and regulatory changes related to tobacco.
Copyright (c) 2024 Zainur Ridho, Faiqotul Aminah https://creativecommons.org/licenses/by/4.0
STRATEGI PROMOSI DALAM MENINGKATKAN PENJUALAN DITOKO METRO STORE DAN FASHION BANYUANYAR – PROBOLINGGO
The purpose of this research is to examine the problems and to find out the promotional strategies carried out by the Metro Store and Fashion Stores in Klenang Kidul Village, Banyuanyar District, Probolinggo Regency through direct exposure systems, promos, WhatsApp and Instagram. To find out the factors that can increase sales at the Metro Store and Fashion Stores in Tarokan Village, Banyuanyar District, Probolinggo Regency. This research is a field research, namely research in which data information is obtained directly in the field. The method used in this research is a qualitative method, which is a research aimed at describing and analyzing phenomena, events, activities, social, attitudes, beliefs, perceptions, thoughts, people individually and in groups. The Metro Store and Fashion store is using a promo strategy, direct exposure, WhatsApp and Instagram. This strategy yielded many improvements once it was implemented. Because customers can enjoy the right price. very good service that can support customers to return to buy goods that have been provided at the Metro Store and Fashion stores. For strategies that use WhatsApp and Instagram, there are no less buyers. Because now it's time to use technology, via watsap there is already 1 grub and there is already someone who manages it starting from the Maron, Gending, Banyuanyar, Ranu Gedang Tiris areas for via Instagram only managed by people. Because most people don't use Instagram, those who manage WhatsApp media have gone directly to the field and socialized the products in the Metro Store and Fashion Stores. The factors that increase sales at the Metro Store and Fashion stores are the first to ensure that products are in accordance with market needs, the second makes it easier for customers to recognize product advantages, the third maximizes technology that can drive sales, the fourth is the price factor, the fifth is the strategy factor, the sixth is the service factor.
Copyright (c) 2024 Tri Nadhirotur Rofiah Rofiah, Nurul Fadil, Hoirunnas https://creativecommons.org/licenses/by/4.0
BANK MIKRO PERTANIAN SEBAGAI SOLUSI INOVATIF KEBIJAKAN PERBANKAN MENDUKUNG PERKEMBANGAN SEKTOR EKONOMI PRIORITAS BIDANG PERTANIAN
One focus of economic growth and employment is rural economic growth. The rural economic circle is a sector which is quite vital, because rural communities are a significant contributor to employment which is still polemic. The agricultural sector is a solution to answer these problems. By maximizing agricultural productivity, land management, supply of fertilizer and the availability of access to capital will increase the welfare of rural communities and open up large enough employment. In Segobang Village, Lici Kabupaen District, Banyuwangi, farmers synergized by forming farmer groups and then each group was accommodated into a Farmers Group Association (Gapoktan). The Farmers Group Association then affiliated to an organization that served as a business entity collecting and channeling funds in the form of farmer empowerment. In this study the methodology used is descriptive qualitative analytic, where the study of social and cultural phenomena in an atmosphere that takes place naturally (Faisal, 1990: 43)
Copyright (c) 2023 Ahmad Khoirin Andi, Ubaidillah https://creativecommons.org/licenses/by/4.0
PRAKTIK SUBROGASI PERSPETIF HUKUM POSITIF DAN FATWA DEWAN SYARIAH NAIONAL (DSN-MUI)
Subrogation is a product that exists in financial institutions as a guarantee of the debtor's debt to the creditor. Subrogation is done by transferring the old creditor's receivables to the new creditor. This study aims to determine the practice of subrogation at PT Bali Regional Development Bank Negara Branch. As well as knowing the perspective of positive law and the Fatwa of the Naional Sayariah Council (DSN-MUI) on the practice of subrogation. The method of approach used by the author is normative juridical method. The results of the study state that the practice of subrogation at PT Bank Rakyat Indonesia Kabanjahe Branch is in accordance with positive law or based on the Fatwa of the national shariah council (DSN-MUI). The transfer of credit tied to mortgage rights at Bank Rakyat Indonesia Kabanjahe Branch is in accordance with the subrogation provisions of Article 1400 of the Civil Code, especially Article 1401 sub 2 of the Civil Code. This is because the transfer of credit tied to mortgage rights at Bank Rakyat Indonesia Kabanjahe Branch fulfills the elements of subrogation even though it is not perfect. Translated with www.DeepL.com/Translator (free version)
Copyright (c) 2023 Muhammad Yunus, Eko Raharto https://creativecommons.org/licenses/by/4.0
THE INFLUENCE OF PRODUCT QUALITY, SERVICE QUALITY, AND STORE IMAGE ON RETAIL STORE CUSTOMER SATISFACTION
Looking at it from a business phenomenon above, the researcher intends to conduct research with the title: "The Effect of Product Quality, Service Quality, and Customer Satisfaction Against Image Store Retail Stores". The population in this study is the wholesaler who became Amin Jaya consumers shop Jepara regency. Sample of 100 respondents was taken and the techniques used are nonprobability sampling technique with purposive sampling approach. Data was collected using a survey method through questionnaires filled out by consumers. Then the data were analyzed by using regression analysis. This analysis includes the Test Validity, Reliability Test, regression analysis, and hypothesis testing through f and t test. From the analysis using linear regression can be seen that the variable product quality, service quality and store image has a positive effect on customer satisfaction Amin Jaya store. The analysis using the t test can know the quality of service and the image of the store has a positive effect on customer satisfaction and the quality of the product does not affect the consumer satisfaction. The analysis using the coefficient of determination is known that 40.5% customer satisfaction variables can be explained by the variation of the variable product quality, service quality and store image. While the rest is explained by other variables.
Copyright (c) 2023 Ahmadi, Ahmad Muhyidin https://creativecommons.org/licenses/by/4.0
DEVELOPMENTALISME EKONOMI DI PULAU GILI TRAWANGAN KECAMATAN PEMENANG KABUPATEN LOMBOK UTARA PROVINSI NUSA TENGGARA BARAT
Economics and needs encourage people to continue to develop in solving problems about the economy and to meet the needs in their lives. Economic problems and fulfillment of needs are not only individual or personally borne, but also collective or shared responsibility. Thought about what system is considered appropriate for a country without stopping done. A good economic system cannot be determined by its ideology, because every economic system experiences resistance from other system. In addition to the Capitalist and Socialist values which have filled the world economy, Islam also contributes to economic thinking, even before Adam Smith with his capitalism
Copyright (c) 2023 Achmad Al-Muhajir, Supriyanto https://creativecommons.org/licenses/by/4.0