NATUJA: Jurnal Ekonomi Syariah is a journal published by the Sharia Economics Departement, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia. Natuja is published twice a year (May and November). This journal is used to provide a forum for researchers, academics, and practitioners who have an interest in conveying ideas in the field of Islamic economics.
Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia
DETERMINAN MINAT MASYARAKAT MENGGUNAKAN PEMBAYARAN DIGITAL BERBASIS PRINSIP SYARIAH
Digital transformation has created increasing opportunities for Generation Z to access financial services based on Islamic principles. However, increased digital access has not always been accompanied by adequate understanding and utilization of Islamic financial services. This study aims to analyze the effects of Islamic financial literacy, religiosity, and digitalization on Islamic financial inclusion among Generation Z. The study employed a quantitative approach using a survey of 150 respondents selected through purposive sampling. Data were analyzed using multiple linear regression. The results show that Islamic financial literacy has a positive and significant effect on Islamic financial inclusion, with a regression coefficient of 0.287 (sig. 0.000). Religiosity also has a positive and significant effect, with a coefficient of 0.231 (sig. 0.002), while digitalization has a positive and significant effect, with a coefficient of 0.396 (sig. 0.000), making it the strongest predictor in the model. Simultaneously, the three variables significantly affect Islamic financial inclusion. The R² value of 54.5% indicates that the three variables explain 54.5% of the variation in Islamic financial inclusion. These findings highlight the importance of integrating financial literacy, religious values, and digital innovation to expand Islamic financial inclusion among Generation Z.
Copyright (c) 2026 Umul Nur'aini http://creativecommons.org/licenses/by/4.0
IMPLEMENTASI AKAD KERJA SAMA JUAL BELI HASIL BUDIDAYA IKAN DALAM PERSPEKTIF EKONOMI SYARIAH
This study aims to analyze the implementation of a sales cooperation agreement regarding fish farming produce between farmers in Songgon District and the Genteng Fish Seed Center (BBI Genteng) from a Sharia economic perspective. The research is motivated by the importance of enhancing family economic resilience through the fisheries sector and the application of agreements that adhere to Sharia principles. A qualitative case study approach was employed, utilizing observation, interviews, and documentation, alongside descriptive analysis—comprising data collection, reduction, presentation, and conclusion drawing—validated through triangulation. The findings indicate that the collaboration between the farmers and BBI Genteng is conducted simply through verbal communication rather than a written contract, yet it operates based on trust, transparency, and mutual benefit. The transactions comply with Sharia economic principles and can be categorized as a bai’ al-musawamah agreement, as the price is determined through negotiation without the obligation to disclose capital costs or profit margins. Consequently, this collaboration is Sharia-compliant and supports the economic sustainability of the fish farmers' families.
Copyright (c) 2026 Nurul Hidayah, Habibulloh Habibulloh, Syehnur Bongkar Pamungkas http://creativecommons.org/licenses/by/4.0
PENGARUH TRANSPARANSI LAPORAN KEUANGAN DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN MEMBAYAR ZAKAT MUZAKKI BERKELANJUTAN
The realization of zakat fund collection through official institutions in Indonesia remains disproportionate to the substantial zakat potential that continues to increase. This condition indicates challenges in encouraging muzakki to continuously pay zakat through zakat management institutions. This study aims to analyze the effects of financial report transparency and service quality on the decision of muzakki to pay zakat sustainably at BAZNAS Tasikmalaya City. This study employed a quantitative approach using a survey method. The sample consisted of 109 muzakki selected through purposive sampling. Primary data were collected using questionnaires and analyzed using multiple linear regression with the assistance of SPSS. The analysis included validity testing, reliability testing, classical assumption testing, t-test, and coefficient of determination (R²). The results show that financial report transparency has a positive and significant effect on the decision of muzakki to pay zakat sustainably, with a beta coefficient of 0.314 and a significance value of 0.000. Service quality also has a positive and significant effect, with a beta coefficient of 0.431 and a significance value of 0.000. The R² value of 0.389 indicates that the two variables explain 38.9% of the variation in the decision of muzakki to pay zakat sustainably, while the remaining 61.1% is explained by other factors outside the model. Service quality has a more dominant effect than financial report transparency. These findings highlight the importance of improving service quality and financial report transparency to strengthen muzakki trust and encourage sustainable zakat payment.
Copyright (c) 2026 Zulfa Sirrin Nafisah, Retno Dyah Pekerti http://creativecommons.org/licenses/by/4.0
HEALING ATAU HUSTLING?: STUDI KASUS WORK-LIFE BALANCE MAHASISWA GENERASI Z
The phenomenon of work-life balance has become an increasingly relevant issue among Generation Z students, particularly those who simultaneously engage in academic and non-academic activities. This study aims to analyze how Generation Z students at Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember interpret the concepts of healing and hustling within their academic lives. The study positions Generation Z as a group facing the dilemma between productivity demands and the need to maintain mental health. This research employed a descriptive qualitative approach using a case study method. Data were collected through in-depth interviews, observations, and documentation involving active students participating in organizations, side jobs, digital businesses, and other academic activities. The findings reveal that hustling culture encourages students to remain productive and competitive, while healing serves as a coping mechanism for academic and social pressures. The main factors influencing students’ work-life balance include time management, academic pressure, social media exposure, and social support. This study concludes that work-life balance is not merely related to time management, but also to students’ ability to maintain mental health and quality of life amid modern productivity culture.
Copyright (c) 2026 Fakhri Arif Billah, Fatimatuzzahro, Khurul Aimmatul Umah http://creativecommons.org/licenses/by/4.0
PENDAPATAN NASIONAL DALAM PERSPEKTIF EKONOMI ISLAM: KAJIAN DAN TEORITIS
This study examines the concept of national income comprehensively in both conventional and Islamic economics. The main objective of this research is to gain a more complete understanding of the definition of national income as well as the Islamic economic perspective on this concept. This study uses a literature review method by analyzing various sources related to national income in both conventional and Islamic economics. The findings show that Islamic economics places justice, equitable distribution, and compliance with Sharia principles as the main foundations in managing national income. Instruments such as zakat, infaq, sadaqah, waqf, jizyah, kharaj, and ushr function as redistribution mechanisms to reduce social inequality. Therefore, national income in Islamic economics is not only oriented toward growth, but also toward achieving comprehensive and equitable societal welfare.
Copyright (c) 2026 Serliyana, Syahriyah Semaun http://creativecommons.org/licenses/by/4.0
PENGARUH SISTEM BAGI HASIL DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN NASABAH MEMILIH TABUNGAN MUDHARABAH (TABAH) DI BMT NU CABANG BUNGATAN SITUBONDO
Amid growing competition in Islamic financial institutions, the ability to attract and retain customers has become crucial for the sustainability of products, especially Mudharabah Savings (TABAH) based on the profit-sharing principle. This study aims to examine the effect of profit-sharing system (X1) and service quality (X2) on customers' decisions (Y) to choose TABAH at KSPPS BMT NU Branch Bungatan Situbondo. A quantitative approach with an explanatory design was employed, involving 90 respondents selected through purposive sampling. The questionnaire instrument had been tested for validity and reliability. Data were analyzed using multiple linear regression, t-test, F-test, and coefficient of determination using SPSS. The results show that the profit-sharing system significantly affects customer decisions with a significance value of p = 0.003 < 0.05, and service quality significantly affects customer decisions with p = 0.000 < 0.05. Service quality proved to be the most dominant factor. The coefficient of determination of 0.549 confirms that 54.9% of customers' decisions can be explained by both variables. These findings underscore that the competitive advantage of Islamic financial institutions lies not only in financial returns but also in service quality that fosters trust and customer loyalty.
Copyright (c) 2026 Abdul Fatah, Nur Muhammad, Sri Yuniati, Nuri Ma'rifatul Laily http://creativecommons.org/licenses/by/4.0
IMPLEMENTASI WAKAF PRODUKTIF BERBASIS QA’IDAH DAR’ AL-MAFASID MUQADDAM ALA JALB AL-MASALIH: ANALISIS DIMENSI SYARIAH TERHADAP RISIKO PENGELOLAAN WAKAF
The transformation of waqf into productive sectors introduces complex risk exposures that may lead to the loss of the principal asset (ḍayāʿ al-aṣl), directly contradicting the perpetual principle of taḥbīs al-aṣl. Existing literature is largely dominated by a benefit-maximization approach (jalb al-maṣāliḥ), thereby leaving a research gap in the form of a limited normative fiqh framework for risk prevention. To address this gap, this study aims to reconstruct risk management by positioning the legal maxim Dar’ al-Mafāsid Muqaddam ʿalā Jalb al-Maṣāliḥ as a foundation for substantive mitigation. Employing a normative legal research method with a juridical-normative approach, secondary data are analyzed through hermeneutic interpretation and synthesis. The findings reveal that the principle of preventing harm (dar’ al-mafāsid) necessitates prioritizing loss prevention over the pursuit of speculative benefits. Consequently, the application of this maxim demands a high standard of Sharīʿah prudentiality and significantly transforms the role of the nāẓir from a mere investment manager into a trustee. Overall, this study contributes theoretically by operationalizing a fiqh-based legal maxim to ensure prudence in the governance of productive waqf
Copyright (c) 2026 Imam Kamaluddin, Mushaq Syamsuar http://creativecommons.org/licenses/by/4.0
PENGARUH GREEN MARKETING DAN LABEL HALAL TERHADAP KEPUTUSAN PEMBELIAN AIR MINUM LE MINERALE DI KECAMATAN SUMBERSARI KABUPATEN JEMBER
Le Minerale is a brand of bottled drinking water (AMDK) managed by PT Tirta Fresindo Jaya since 2015, and it competes in the Indonesian market through environmentally friendly marketing strategies and the possession of a halal label. Consumers are increasingly influenced by environmental and halal aspects when making purchasing decisions. This study aims to analyze the influence of green marketing and halal labels on purchasing decisions for Le Minerale products in Sumbersari District, Jember Regency. The research method employs a quantitative approach, utilizing a survey of 100 respondents selected through purposive sampling techniques and the Slovin formula. Data collection was carried out through observation, questionnaires, and documentation, then analyzed using multiple linear regression with the help of IBM SPSS Statistics version 25. The results of the study show that green marketing has a significant effect on purchasing decisions (sig. 0.001 < 0.05), the halal label also has a significant effect (sig. 0.008 < 0.05), and both variables simultaneously influence purchasing decisions for Le Minerale products.
Copyright (c) 2026 Khoirun Nisa Febriyanti, Hikmatul Hasanah http://creativecommons.org/licenses/by/4.0
DIGITALISASI LAYANAN KEUANGAN SYARIAH DALAM MENINGKATKAN INKLUSI KEUANGAN
The digitalization of financial services has become a crucial strategy in expanding public access to financial services, including within the Islamic finance sector. This study aims to analyze the role of Islamic financial service digitalization in enhancing financial inclusion and to examine its conformity with the principles of Islamic economics. This research employs a qualitative approach using a library research method, drawing on scholarly books, national and international journal articles, as well as official reports from Islamic financial institutions and relevant authorities. Data analysis was conducted through content analysis using a descriptive-analytical approach. The findings indicate that the digitalization of Islamic financial services—such as Islamic mobile banking, Islamic financial technology (fintech), and digital payment systems based on Sharia-compliant contracts—significantly contributes to increasing financial inclusion, particularly among unbanked and underbanked populations. Moreover, this digital transformation aligns with the objectives of maqashid al-shari’ah, especially in safeguarding wealth (hifz al-mal) and promoting economic justice. Nevertheless, challenges related to digital literacy, Sharia compliance, and data security remain critical issues that require serious attention. This study concludes that the digitalization of Islamic financial services serves as a strategic instrument in strengthening an inclusive financial system grounded in Sharia values.
PENGARUH HARGA DAN KUALITAS IKAN TERHADAP PENJUALAN IKAN DI TPI MUNCAR MENURUT PERSPEKTIF ISLAM
This study aims to analyze the partial and simultaneous influence of price and fish quality on fish sales at TPI Muncar from an Islamic perspective. This research employs a quantitative approach with a causal associative type. The sampling technique used is purposive sampling, with a total of 70 active fish traders at TPI Muncar as respondents. The independent variables in this study are price (X1) and quality (X2), while the dependent variable is fish sales (Y). Data analysis techniques include multiple linear regression analysis tested through t-test, F-test, and the coefficient of determination (R²). The results of the study show that, partially, price has a significant effect on fish sales (t-count 5.426 > t-table 1.668; sig. 0.000 < 0.05) and fish quality also has a significant effect on fish sales (t-count 4.373 > t-table 1.668; sig. 0.000 < 0.05). Simultaneously, price and fish quality have a significant effect on fish sales (F-count 223.015 > F-table 3.13; sig. 0.000 < 0.05). The coefficient of determination (R²) is 0.692, which means that 69.2% of the variation in fish sales is influenced by price and quality, while the remaining 30.8% is influenced by other factors outside this study.
Copyright (c) 2026 M. Khanif Ardzani, Afria Rachmawati, Maisatun Jannah http://creativecommons.org/licenses/by/4.0
HUBUNGAN REMUNERASI DAN BUDAYA KERJA DENGAN KEPUASAN KERJA TENAGA KESEHATAN DI RUMAH SAKIT
Job satisfaction among healthcare workers constitutes a critical determinant of hospital service quality, as it is closely associated with employee performance, organizational commitment, and workforce sustainability. Remuneration and organizational culture are widely recognized as key factors influencing job satisfaction; however, empirical evidence in hospital settings remains fragmented and inconsistent. This study aims to systematically synthesize existing empirical findings regarding the relationship between remuneration, organizational culture, and job satisfaction among healthcare workers in hospitals through a Systematic Literature Review (SLR). Relevant studies were identified from Google Scholar, Garuda, and ScienceDirect using keywords related to remuneration or compensation, organizational culture, and job satisfaction. Selected articles were analyzed and synthesized using a narrative approach. The findings indicate that remuneration is significantly associated with job satisfaction, particularly when remuneration systems are perceived as fair, transparent, and performance-based. In addition, a positive organizational culture, characterized by professionalism, fairness, collaboration, and open communication, contributes to job satisfaction both directly and indirectly, primarily through motivation and organizational commitment. These results underscore the importance of aligning equitable remuneration policies with the strengthening of organizational culture to enhance healthcare workers’ job satisfaction and improve hospital service quality.
Copyright (c) 2026 Hari Basuki http://creativecommons.org/licenses/by/4.0
ANALISIS PERAN KOMPENSASI DAN BUDAYA ORGANISASI DALAM UPAYA MENINGKATKAN KINERJA PEGAWAI
This research was conducted with the aim of providing a comprehensive understanding of the influence of compensation and organizational culture on employee performance by using a literature review approach. This study collects and analyzes a variety of relevant scientific sources, including national and international journals, academic textbooks, and research results related to human resource management. Data analysis was carried out in a qualitative descriptive manner through a thematic synthesis process. The results of the analysis show that both compensation and organizational culture have a positive and significant influence on employee performance, both partially and simultaneously. Fair compensation, transparency, and contribution has been proven to create work motivation and loyalty, while a constructive organizational culture and harmonious social relationships play an important role in creating work effectiveness and employee satisfaction. Simultaneously, these two variables have a synergistic effect in encouraging the achievement of optimal performance and organizational goals.
Copyright (c) 2026 Muchtar Habib http://creativecommons.org/licenses/by/4.0
TRANSFORMASI DIGITAL PADA LEMBAGA KEUANGAN MIKRO SYARIAH: ANALISIS IMPLEMENTASI, TANTANGAN, DAN STRATEGI PENGEMBANGAN BMT DI INDONESIA
Digital transformation in Islamic microfinance institutions, particularly Baitul Maal wat Tamwil (BMT), has become a strategic approach to expanding digital financial inclusion while improving the operational efficiency of community-based financial institutions. This study aims to examine the implementation of digital transformation in Indonesian BMTs, identify key challenges, and formulate development strategies aligned with Islamic principles. A Systematic Literature Review (SLR) was employed by analyzing peer-reviewed journal articles, institutional reports, and policy publications issued between 2020 and 2025. The findings indicate that BMTs with adequate asset capacity and governance structures are more prepared to adopt digital technologies comprehensively, particularly in transaction services, financing processes, and financial reporting. Digitalization initiatives in selected BMTs have demonstrated measurable improvements in operational efficiency and service outreach. Nevertheless, most BMTs remain at basic to intermediate stages of digital adoption due to infrastructure constraints, limited digital literacy among human resources, and regulatory complexity. This study emphasizes that BMT digital transformation should be implemented gradually, contextually, and in accordance with Islamic values, supported by collaboration with the Islamic fintech ecosystem and regulatory policy frameworks.
Copyright (c) 2025 Riyan Damara Putra, Shalahudin Habibullah, Fatih Fuadi http://creativecommons.org/licenses/by/4.0
TA'LIL AL-AHKAM DALAM PENGEMBANGAN EKONOMI ISLAM: STUDI LITERATUR TENTANG RASIONALISASI HUKUM DAN APLIKASI MAQASID AL-SHARIAH
Ta'lil al-ahkam (legal reasoning through the identification of cause or rationale) is a critical methodological framework for understanding the adaptation of Islamic law to the complex and multifaceted challenges of contemporary economics. This article employs the library research methodology to examine the role of ta'lil al-ahkam in developing Sharia-compliant financial instruments and addressing increasingly intricate modern economic issues. Through a systematic analysis of legal texts, peer-reviewed journal articles, and regulatory documents from the National Sharia Board-Indonesian Ulema Council (DSN-MUI), this study identifies that ta'lil al-ahkam functions as a crucial bridge between classical Islamic jurisprudence and contemporary economic practice. The findings indicate that although ta'lil al-ahkam has successfully facilitated the creation of innovative Sharia-compliant products such as sukuk, Islamic fintech, and Islamic banking instruments, substantive questions remain regarding whether these applications adequately reflect the maqasid al-shariah emphasis on economic justice, social welfare, and inclusive empowerment. This study concludes that the effective integration between maqasid-based ta'lil al-ahkam is essential to ensure that the development of Islamic economics serves the genuine objective of maslahah (welfare) and promotes sustainable development that benefits all segments of society.
Copyright (c) 2025 Dewi Risyantika, Moh. Bahrudin , Syamsul Hilal http://creativecommons.org/licenses/by/4.0
RELEVANSI USHUL FIQH SEBAGAI METODOLOGI PENETAPAN HUKUM EKONOMI ISLAM DALAM MENJAWAB TANTANGAN EKONOMI MODERN
Usul Fiqh is a methodological foundation for establishing Islamic law, functioning not only in the realm of worship but also has significant relevance in the modern economy. In the context of the development of the global economic system, various contemporary issues have emerged, such as Islamic banking, insurance, investment, and Islamic financial instruments, which require legal clarity in accordance with Sharia principles. This article aims to analyze the position of Usul Fiqh as a methodology for establishing Islamic economic law and how its principles can address the challenges of the modern economy. The approach used is qualitative with descriptive comparative analysis, examining the views of the four major schools of thought Hanafi, Maliki, Shafi'i, and Hanbali in linking the principles of Usul Fiqh to contemporary economic practices. The research findings demonstrate that Usul Fiqh plays a crucial role in establishing a legal foundation for Islamic economics that is adaptive to changing times, while maintaining the integrity of sharia through the principles of maslahah, istihsan, and qiyas. Each school of thought (mazhab) has its own methodological contributions in interpreting the evolving economic context, which collectively enriches the treasury of Islamic economic law. Therefore, Usul Fiqh can be viewed as a dynamic methodology capable of bridging normative texts and modern economic realities
Copyright (c) 2025 Ahmad Ali Kamal, Moh. Bahrudin , Syamsul Hilal http://creativecommons.org/licenses/by/4.0
ANALISIS STRATEGI PENGHIMPUNAN ZAKAT PROFESI DI BAZNAS BONDOWOSO PADA ERA DIGITALISASI
This study aims to answer the question of how the professional zakat collection strategy of BAZNAS Bondowoso is implemented in the digital era, which is characterized by changes in social interactions and the increasing use of financial technology. This study is based on the background that professional zakat is one of the greatest potential drivers of national economic development, but often faces difficulties in implementation due to a lack of zakat literacy and a variety of payment service options. The purpose of this study is to examine the collection practices carried out by regional zakat institutions by examining the social and cultural context of the local community. This research methodology uses a qualitative descriptive study approach using data from BAZNAS administrators, field observations, and analysis of supporting literature. The study findings indicate that BAZNAS Bondowoso implements direct fundraising strategies such as institutional connections, mentoring muzakki, and face-to-face socialization, as well as indirect fundraising strategies through digital channels such as bank transfers, sharia payment applications, and the official BAZNAS platform. Digital strategies are used to increase efficiency, convenience, and reach of muzakki, while personal strategies are used to maintain trust and social cohesion. This study contributes to the development of a flexible, inclusive, and progressive professional zakat collection model in the digital era.
Copyright (c) 2025 Siti Habibatur Rahma Habibah, Lutfiatul Hasanah http://creativecommons.org/licenses/by/4.0
FRACTIONAL REVERSE BANKING DAN FIAT MONEY: PROBLEMATIKA SISTEM MONETER KONVENSIONAL DALAM PERSPEKTIF SYARIAH
This study critically examines the Fractional Reserve Banking (FRB) and fiat money systems within the framework of the conventional monetary system and their relevance to Islamic financial principles. The main questions raised are how the practice of money creation through FRB and the use of fiat money impacts economic stability and social justice, and how Islamic economics offers a more equitable alternative. The analysis shows that FRB and fiat money contribute to imbalances in the monetary and real sectors, as well as giving rise to the risk of inflation and a crisis of confidence. In contrast, an Islamic monetary system based on real assets and the principle of profit-sharing offers a more stable and equitable solution, free from elements of usury, gharar, and speculation. These findings reinforce the urgency of reforming the global monetary system toward a model that aligns with Islamic values ??of justice and balance.
Copyright (c) 2025 Afiyah Zahrah, Juwita Sifas Sembiring, Ahmad Faturrahman http://creativecommons.org/licenses/by/4.0
REVIVING THE ISLAMIC MARKET: IMAM AL-GHAZALI'S PRINCIPLES FOR FAIR AND ETHICAL ECONOMIC TRANSACTIONS
The concept of the market has existed since the time of the Prophet Muhammad SAW and has undergone significant transformations, especially in the era of Industry 4.0. This research examines the Islamic market mechanism as outlined by Imam Al-Ghazali, with a focus on the principle of tauhid. In contrast to capitalist views that advocate for a free market with minimal government intervention, Al-Ghazali's perspective integrates divine principles and ethics into economic transactions. The study utilizes a qualitative, descriptive approach to analyze secondary data from various sources, aiming to highlight how Islamic teachings can create a fair and balanced market environment. Al-Ghazali's principles suggest that a just market is founded on honesty, fairness, and mutual assistance, guided by religious values. This paper also discusses the ethical implications of market practices, urging businesses to align their activities with Islamic values to ensure long-term prosperity and divine blessing. While this study focuses on Al-Ghazali's views, future research should compare these with contemporary economic theories to deepen understanding of Islamic market mechanisms in modern economies.
Copyright (c) 2025 Mochamad Sumpena; Nurul Hikmah http://creativecommons.org/licenses/by/4.0
PENGARUH ETIKA KERJA ISLAMI DAN KEPEMIMPINAN ISLAMI TERHADAP KINERJA KARYAWAN DI SMK AL MU’ALLIM KESUGIHAN
This study aims to determine the influence of Islamic work ethics and Islamic leadership on employee performance at SMK Al Mu'allim Kesugihan. This study uses a quantitative approach, with the population consisting of all employees at SMK Al Mu'allim Kesugihan, while the sample consists of 40 respondents, using saturated sampling technique. The data used in this study is primary data obtained through the distribution of questionnaires directly to respondents. The data analysis technique used in this study is multiple regression analysis using SPSS 26. The results of this study indicate that the test results (partial test) of Islamic work ethics with a significance value of 0.406 > 0.05, so it can be concluded that Islamic work ethics do not affect employee performance at SMK Al Mu'allim. Meanwhile, Islamic leadership has a positive influence with a partial test value and significance value of 0.001 < 0.05, so it can be concluded that Islamic leadership has a significant influence on employee performance at SMK Al Mu'allim Kesugihan. This study contributes to SMK Al Mu'allim Kesugihan in improving employee performance. The SPSS test results show that Islamic leadership has a significant effect (coefficient 0.404, sig. 0.001, Beta 0.520) on performance, while Islamic work ethics are not significant (coefficient 0.117, sig. 0.406). Both variables together explain 34.7% of performance variation (R²=0.347). The organization is advised to prioritize the development of Islamic leadership in order to improve optimal performance.
Copyright (c) 2025 April Afrianto http://creativecommons.org/licenses/by/4.0
PERAN BANK KONVENSIONAL DALAM MENDONGKRAK PEREKONOMIAN DESA PADA PEMBIAYAAN UMKM DALAM KAJIAN EKONOMI SYARIAH
The lack of Sharia economic literacy among rural MSME actors is one of the main reasons for their preference toward loans from conventional banks over Sharia-compliant financing. Limited understanding of the concept of riba (usury), Sharia contractual principles (akad), the easier access to conventional banking services, and the absence of structured Islamic financial education have further reinforced the dependence of MSMEs on interest-based financial systems. This study aims to analyze the level of Sharia economic literacy among rural MSME actors, identify the influencing factors, and formulate strategies to enhance awareness and access to Islamic financing in rural areas. Using a descriptive qualitative approach, this research is expected to contribute to the formulation of educational and inclusive policies that support the transition of MSMEs toward financing systems aligned with Sharia principles.
Copyright (c) 2025 Lutfiatun Hasanah, Ita Marianingsih http://creativecommons.org/licenses/by/4.0
KONTRIBUSI GREEN SUKUK DALAM PEMBIAYAAN BERKELANJUTAN
Infrastructure development plays a crucial role in supporting public welfare and economic growth. The main challenge in Indonesia is how to maintain a balance between infrastructure development and environmental preservation. Green Sukuk has emerged as a sustainable, Sharia-based financing instrument that offers an alternative for the government to fund environmentally friendly projects. This study aims to analyze the role of Green Sukuk in sustainable development in Indonesia and assess its compliance with Fatwa DSN-MUI No. 137 of 2020 on Sukuk. The research method employs a literature review using secondary data from scholarly literature, papers, and regulations. The findings indicate that Green Sukuk makes a significant contribution to financing green projects such as renewable energy, energy efficiency, and waste management, supporting the achievement of the Sustainable Development Goals (SDGs). Fatwa DSN-MUI No. 137 of 2020 serves as an important guideline to ensure the alignment of Sukuk instruments with Sharia principles while enhancing investor confidence. Nevertheless, the implementation of Green Sukuk still faces challenges, including low levels of Sharia financial literacy, limited availability of green projects that meet the criteria, and regulatory constraints. A comprehensive strategy is needed to optimize the role of this instrument going forward.
Copyright (c) 2025 Muhammad Maulana Rizki http://creativecommons.org/licenses/by/4.0
PEMIKIRAN JASSER AUDA MENUJU MAQASYID SYARIAH KONTEMPORER
Jasser Auda's thoughts begin with a critique of Ushul fiqh. This research answers first, Ushul al-Fiqh tends to be textual and ignores the purpose of the text; second, the classification of several ulus al-Fiqh theories leads to binary and dichotomous logic; third, the analysis of al-Fiqh's proposals is reductionist and atomistic. Apart from that, Jasser Auda also criticized the classic Maqasid which was too focused on individual benefit so that it was unable to answer current global problems. Therefore, Jasser Auda expands the scope and dimensions of classical maqasid theory to answer the challenges of modern times. This research uses a qualitative method with a descriptive approach. This research produces Jasser Auda's theory, namely system as an approach in Islamic law, and develops a set of categories using six system features, namely cognitive nature, interconnectedness, wholeness, openness, multidimensionality, and meaningfulness. This research also reveals the figure of the Contemporary Maqasyid syariah Thinker where He did not eliminate the maqasyid of Classical Sharia, he only developed it to suit the needs of today's society. This research is considered important in current developments with growing legal needs.
Copyright (c) 2025 Busri Busri, Selamet Selamet, luqman Luqman http://creativecommons.org/licenses/by/4.0
PENERAPAN ETIKA BISNIS ISLAM DALAM PENJUALAN ONLINE DI MEDIA SOSIAL TIKTOK
This study aims to analyze the marketing practices of Muslim entrepreneurs on TikTok and their alignment with Islamic business ethics. The main focus of this research is to examine how businesses promote halal products on social media and how well they adhere to principles of honesty and fairness in digital marketing. A qualitative research method with a descriptive approach was used, analyzing TikTok videos related to halal products. The findings indicate that although there are efforts to adhere to sharia principles, many entrepreneurs prioritize material gain without fully considering Islamic ethical values. The research also found that the use of Muslim influencers can increase consumer trust, but it also raises concerns about the integrity of the information conveyed. The findings are expected to contribute to the development of sharia marketing on digital platforms.
Copyright (c) 2025 muzanni M.E http://creativecommons.org/licenses/by/4.0
KONSEP ZAKAT MENURUT IMAM SYAFI'I TERHADAP DISTRIBUSI DANA BANTUAN SOSIAL
Inequality in the distribution of social assistance has become a chronic problem in Indonesia. To overcome this, a more effective mechanism is needed in identifying the most vulnerable groups of people so that assistance is really on target. Imam Shafi'i's thoughts on the distribution of zakat have made a significant contribution. His views on the object of zakat and its distribution mechanism are still very relevant to this day. This study aims to examine the concept of zakat in Imam Shafi'i's thinking and explore its potential application in increasing the effectiveness of the social assistance distribution system. This study uses a qualitative method with a literature study approach. Primary data is obtained from books by Imam Shafi'i, while secondary data comes from various literature related to zakat and social assistance. The findings of the study show that the concept of zakat of Imam Shafi'i emphasizes on principles such as the Principle of Equity (al-'Adalah), the Principle of Adequacy (al-Kifayah), the Principle of Proximity (al-Qarabah), the Principle of Usefulness (al-Maslahah), the Principle of Priority (al-Awlawiyyah), the Principle of Sustainability (al-Istimrariyyah), the Principle of Transparency (al-Syafafiyyah), and the Principle of Convenience (al-Taysir). The principles outlined by Imam Shafi'i can be a guide in designing a social assistance system that is more effective, fair, and in accordance with Islamic values.
Copyright (c) 2025 Nizar Ramadhan Al Muzakki http://creativecommons.org/licenses/by/4.0
STRATEGI PEMASARAN SYARIAH UMKM DALAM MEMPERTAHANKAN USAHA DI ERA REVOLUSI INDUSTRI 4.0
In today's era of highly advanced development, executing marketing strategies requires adapting to the ongoing industrial revolution, which has progressed through several phases. The current phase is the Fourth Industrial Revolution (Industry 4.0), a concept introduced by the German government that aims to present a paradigm shift toward a digital future in industrial production. This study aims to explore how sharia marketing strategies are implemented by MSMEs (Micro, Small, and Medium Enterprises) to sustain their businesses in the Industry 4.0 era, with a case study on Narubi Store in Kalibaru District. This is a descriptive qualitative research using four respondents as research subjects. Data collection techniques included open observation, structured interviews, and documentation. Data analysis techniques involved data reduction, data presentation, and drawing conclusions. The validity of the data was tested through source triangulation. The findings reveal that the implementation of sharia marketing strategies by MSMEs in maintaining their business during the Industry 4.0 era at Narubi Store utilizes the 9P marketing mix, namely:1. Product: The product is marketed with full honesty, providing accurate information without exaggeration or understatement about the quality of the goods, 2. Price: Product prices reflect the actual quality of the goods being sold, 3. Place: Narubi Store is located in a strategic area that is easily accessible for both customers and couriers, 4. Promotion: Marketing is carried out through social media platforms such as Facebook, Instagram, and Shopee, 5. People (Human Resources): Employees receive training related to effective marketing techniques, 6. Process: The sales process includes greeting customers, engaging in friendly conversation, and asking what products they are looking for, 7. Physical Evidence: Internally, the store provides facilities such as a parking area, signage, and pamphlets. Externally, there is a prayer room (musholla) for employees, a toilet, uniforms for staff, business permits, and other official documentation, 8. Promise: All promises made to customers are consistently fulfilled, 9. Patience: Staff demonstrate patience in dealing with customers.
Copyright (c) 2025 Yeni Rokhilawati, Atiqatul Musyarofah, Jami’atul Aysa http://creativecommons.org/licenses/by/4.0
UPAYA PENINGKATKAN KESEJAHTERAAN MASYARAKAT BANYUWANGI DALAM PROGRAM PTSL DALAM PRESPEKTIF MAQASHID SYARIAH
Program Pendaftaran Tanah Sistematis Lengkap (PTSL) di Banyuwangi tahun 2024 bertujuan untuk meningkatkan kesejahteraan masyarakat dengan pendekatan maqasid syariah. Antusiasme masyarakat terhadap program PTSL sangat tinggi. Hal ini terlihat jelas dari partisipasi aktif warga dalam proses pendaftaran tanah, yang tidak hanya menunjukkan minat yang besar, tetapi juga kesadaran akan pentingnya kepemilikan tanah yang sah, dengan biaya dan pengurusan yang terjangkau, masyarakat sudah bisa memiliki sertifikat tanah dengan mudah. Dengan menggunakan penelitian kualitatif dengan jenis fenomenologi peneliti berusaha mengkaji dan menyelidiki fenomena yang terjadi pada masyarakat desa Kendalrejo kecamatan Tegaldlimo kabupaten Banyuwangi terhadap kejadian yang terjadi dan menarik secara komprehensif dengan melakukan wawancara, observasi, dan dokumentasi. Didukung dengan teknik purposive sampling diharapkan data yang didapat benar-benar akurat, Hasil penelitian ini menunjukan bahwa PTSL di kabupaten Banyuwangi tidak hanya berfungsi sebagai alat administratif, tetapi juga sebagai pendorong penting dalam mencapai tujuan maqasid syariah, yaitu melindungi dan memajukan kesejahteraan masyarakat. Dengan demikian, program ini diharapkan dapat menciptakan masyarakat yang lebih sejahtera, mandiri, dan berdaya saing di masa depan.
Copyright (c) 2025 M. Khanif Ardzani http://creativecommons.org/licenses/by/4.0
ANALISIS PENGARUH BUDAYA ORGANISASI TERHADAP BELAJAR MAHASISWA PROGRAM STUDI EKONOMI SYARIAH UNIVERSITAS ISLAM IBRAHIMY BANYUWANGI
There are differences between students who take part in organizations and those who do not. Organizational culture is a shared value shared by all members of the organization within it. In its characteristics, organizational culture can be said to be what is perceived by students and the way that perception will give rise to a certain pattern of values, beliefs and views. Basically, learning is a process of change in the human personality and this change is manifested in the form of increasing the quality and quantity of behavior such as increasing effectiveness, responsibility, discipline and initiative. Even though this difference is not very strong, it makes researchers interested in conducting this research. In this research the author used a quantitative research approach method. Based on the results of the T Test research, organizational culture variables have a partial influence on the learning of students in the Sharia Economics Study Program, Ibrahimy Banyuwangi Islamic University with a significance value of 0.000, less than 0.05 with an influence of 0.800. This can be interpreted as meaning that organizational culture has a contributing impact on the learning of students in the Sharia Economics Study Program at the Ibrahimy Islamic University, Banyuwangi.
Copyright (c) 2025 SYEHNUR BONGKAR PAMUNGKAS, Riswanda Imawan http://creativecommons.org/licenses/by/4.0
MAKNA BERBAGI DAN BERSYUKUR DALAM SURAH AL KAHFI AYAT 46: PELAJARAN TENTANG KEKAYAAN DAN KETERGANTUNGAN PADA ALLAH
Jurnal ini membahas tentang makna berbagi dan bersyukur pada surat Al Kahfi ayat 46: pelajaran tentang kekayaan dan ketergantungan pada Allah. Pembahasan yang terdapat dalam tulisan ini adalah : pengertian al-amwal (kekayaan), jenis ÃƒÂ¢Ã¢â€šÂ¬Ã¢â‚¬Å“ jenis al-amwal (kekayaan) dan komponen-komponen yang terkandung dalam kekayaan, kedudukan dan kedudukan kekayaan dalam Al-QurÃƒÂ¢Ã¢â€šÂ¬Ã¢â€žÂ¢an, fungsi kekayaan menurut beberapa ayat dalam Al-Qur'an, implementasi makna berbagi dan bersyukur dalam kehidupan sehari-hari, ayat-ayat al-qur'an tentang al-amwal, biografi mufassir terkait tafsir al-qur'an tentang al-amwal (harta) , tafsir ayat al-qur'an tentang al-amwal dari Ibnu Katsir dan As-Sa'di, analisis perbedaan dan persamaan tafsir tentang al-amwal. Jurnal ini dibentuk dengan menggunakan tinjauan pustaka yaitu dengan mengkaji beberapa buku tafsir, jurnal, artikel, dan juga kitab Al-Qur'an. Tulisan tersebut menjelaskan bahwa Surat Al Kahfi ayat 46 memberikan pelajaran penting tentang ketergantungan dan kekayaan kita kepada Allah dengan mengajarkan arti berbagi dan bersyukur. Ayat ini menekankan pentingnya berbagi rezeki kepada sesama sebagai tanda syukur atas karunia Allah. Dengan memahami makna berbagi dan bersyukur, manusia diingatkan untuk mengingat bahwa segala sesuatu yang kita miliki berasal dari Allah.
Copyright (c) 2024 Homsaton Widia Astutik Astutik, Nabilah Yunita Nurmaliyah, Musa Al Kadzim
PENGARUH BUDAYA ORGANISASI DAN KOMITMEN ORGANISASI DALAM MENINGKATKAN INTENSI BERWIRAUSAHA MAHASISWA
There is an increase in entrepreneurial intensity among students who are members of HIPMI PT IAI Ibrahimy Genteng, while there are also students who, even though they do not yet have strong intentions, are still committed to the organization. This makes researchers interested in conducting this research. This research aims to determine the influence of organizational culture and organizational commitment in increasing the entrepreneurial intentions of students who are members of HIPMI PT IAI Ibrahimy Genteng. This type of research is associative with a quantitative research approach. Data collection techniques use participant observation techniques, questionnaires and documentation. Based on the results of the T Test research on Organizational Culture Variables, it is known that tcount equal to 0.412< t table 2,000 and a significance value of 0.681> 0.05, indicating that partially the organizational culture variable (X1) has a positive and insignificant effect on entrepreneurial intentions (Y). Meanwhile, the results of the T Test Research on the Organizational Commitment Variable were found to be t count amounting to 5,057 > t table 2,000 and the Sig value. 0.000 < 0.05, indicating that the Organizational Commitment variable has a positive and significant effect on entrepreneurial intentions (Y). Based on the results of the F test, it is known that the unstandardized coefficient (B) value of the Organizational Culture variable has a positive value of 0.041 or 4.1% and a significance value of 0.000 <0.05. Meanwhile, the unstandardized coefficient (B) value of the Organizational Commitment variable has a positive value of 0.408 or 40.8% and a significance value of 0.000 <0.05. Simultaneously, the variables organizational culture (X1) and organizational commitment (X2) simultaneously or jointly influence the entrepreneurial intentions (Y) of HIPMI PT IAI Ibrahimy Genteng members.
PENGARUH KUALITAS PELAYANAN DAN HARGA TERHADAP KEPUASAN KONSUMEN PADA PT. SYAKIRASYA WISATA MANDIRI
In the era of globalization, it is important not to ignore the role of humans in the world of work. Very tight competition in the same field of work makes people involved in it want to make optimal contributions to society, especially in the service sector in certain industries or fields of work. This research aims to analyze the influence of service quality and price simultaneously and partially on consumer satisfaction at PT. Syakirasya Wisata Mandiri. This research uses quantitative methods with data processing using multiple linear regression analysis methods. The sampling technique uses non-probability sampling with a purposive sampling selection method. The research results show that service quality and price simultaneously have a significant effect on customer satisfaction at PT. Syakirasya Wisata Mandiri. The research results show partially that the service quality variable influences consumer satisfaction at PT. Syakirasya Wisata Mandiri, it is known that the calculated T value (3.796) is more than T table (2.014) with a significant value of 0.000. Meanwhile, the price variable partially has no effect on consumer satisfaction at PT. Syakirasya Wisata Mandiri, it is known that the calculated T value (1.813) < T table (2.014) with a significant value of 0.044. The results of the coefficient of determination test show that customer satisfaction can be explained by service quality and price by 57.5%, while (100%-57.5%= 42.5%) is influenced by other variables not included in the research.
Copyright (c) 2024 Manarul Hikam, Moh. Mukhsin