Accreditation : SINTA 5 Journal Title : EKOBIS SYARIAH (Jurnal Ekonomi dan Bisnis Syariah) ISSN : 2579-7042 (online) DOI Prefix : 10.22373/ekobis Editor in Chief : Rina Desiana, [Scopus ID: 58635422200] Managing Editor : Husnul Mirzal, [Scopus ID: 59496874100] Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh Frequency : 2 issues per year (June and December) Citation Analysis : Google Scholar EKOBIS SYARIAH publishes research papers to the global community on Islamic economics and finance concepts and practices from an Indonesian perspective and its surrounding region. However, EKOBIS also welcomes perspectives from other regions that can boost the publication's value. Article submitted must be based on research, original and educationally interesting to the audience in the field. The goal is to disseminate new concepts and research findings developed in this area of study by publishing relevant peer-reviewed scientific information and discussions. The Journal serving as a medium for exploring critical thinking on Islamic Economics and Business issues. It is open for all academics, practitioners, intellectuals, and students with the specification of the study of Islamic Economics. The Ideas is covering research article, conceptual idea, review of the literature, and practical experience. The scope of EKOBIS are limited to: - Islamic economics - Islamic banking and finance - Islamic economic management - Management Zakat, Infaq, Shodaqoh and Waqf - Islamic entrepreneurship and business - Islamic economics thought - Islamic insurance - Islamic Social Welfare - Islamic Economic Welfare Email : ekobis.syariah@ar-raniry.ac.id
Universitas Islam Negeri Ar-Raniry Banda Aceh
EKOBIS allows the author(s) to hold the copyright and to retain the publishing rights without restrictions. Authors who publish with this journal agree to the following terms: Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC-BY-SA 4.0) that allows others to EKOBIS the work with an acknowledgment of the work's authorship and initial publication in this journal. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work
Evaluating The Awareness and Usability of QRIS Payment Method Among Indonesian Travelers in Integrated ASEAN Countries (A View of Past, Present, and Future Usage)
This study examines the awareness and usability of the Quick Response Code Indonesian Standard (QRIS) among Indonesian travelers in ASEAN countries by analyzing past, present, and future usage patterns. Introduced by Bank Indonesia in 2019, QRIS is a unified digital payment system designed to support financial inclusion and facilitate cross-border transactions. A mixed-method approach was employed, combining quantitative surveys and qualitative interviews to explore travelers’ awareness, experiences, and future intentions regarding QRIS usage abroad. Findings from Malaysia, Singapore, and Thailand indicate that while Indonesian travelers exhibit a moderate level of awareness of QRIS, actual usage remains limited, with 74% of respondents reporting that they have never used QRIS during travel. Survey results reveal key barriers including technical and connectivity issues, limited merchant acceptance, and a strong preference for cash or card payments. These results are reinforced by interview findings, which show that many travelers, particularly from non-urban backgrounds, were unaware of QRIS usability abroad, while those who attempted to use it experienced accessibility and transaction failures, leading them to revert to traditional payment methods. Despite these challenges, both survey and interview data indicate growing interest in cashless payments, suggesting opportunities to increase QRIS adoption through improved infrastructure, expanded merchant networks, and targeted socialization and education initiatives. The study provides policy-relevant insights for strengthening cross-border payment integration and digital financial inclusion in ASEAN.
Copyright (c) 2025 Naili Sumaiya, Hafiz Mubarraq Haridhi http://creativecommons.org/licenses/by-sa/4.0
Analisis SWOT Terhadap Strategi Pemasaran Produk Kosmetik Halal Wardah Pada PT. Paragon Aceh
Wardah merupakan brand kosmetik halal yang diproduksi PT. Paragon Technology And Innovation yang dikenal dengan konsep “Halal Green Beauty”. Salah satu brand dari PT. Paragon Aceh, Wardah memiliki strategi pemasaran tersendiri yang disesuaikan dengan karakteristik daerah, termasuk di Aceh yang menjunjung tinggi nilai-nilai Islam. Tujuan penelitian ini untuk mengetahui strategi pemasaran produk kosmetik halal wardah oleh PT. Paragon Aceh dan analisis SWOT terhadap strategi pemasaran produk kosmetik halal wardah oleh PT. Paragon Aceh. Penelitian ini bersifat kualitatif dengan jenis penelitian deskriptif. Subjek penelitian terdiri dari 10 orang responden. Pengumpulan data menggunakan kuesioner dan wawancara. Analisis data menggunakan analisis SWOT. Hasil penelitian menunjukkan bahwa strategi pemasaran produk kosmetik halal Wardah oleh PT. Paragon Aceh menggunakan marketing mix tetapi difokuskan pada promosi dimana ada strategi yang membedakan yaitu dilakukan dengan cara membangun kolaborasi dengan Key Opinion Leader (KOL) Muslimah, kolaborasi brand, beauty class dan mitra channel. Adapun hasil analisis SWOT menunjukkan bahwa strategi pemasaran produk kosmetik halal Wardah oleh PT. Paragon Aceh berada pada Kuadran 1 (Agresif) yang menunjukkan strategi pemasaran produk kosmetik halal Wardah oleh PT. Paragon Aceh memiliki peluang dan kekuatan yang mendorong dimanfaatkannya peluang-peluang tersebut.
Copyright (c) 2025 Miftahul Jannah, Hendra Syahputra, Jalilah Jalilah, Husnul Khatimah http://creativecommons.org/licenses/by-sa/4.0
Green Waqf Sebagai Instrumen Ketahanan Pangan Berkelanjutan dalam Mewujudkan Asta Cita Indonesia 2045
Penelitian ini bertujuan untuk menganalisis peran Green Waqf sebagai instrument strategis dalam memperkuat ketahanan pangan berkelanjutan dan mendukung Asta Cita Indonesia 2045. Penelitian ini menggunakan pendekatan deskriptif-kualitatif berbasis studi literatur dan analisis kebijakan. Hasil kajian menunjukkan bahwa lahan wakaf di Indonesia memiliki potensi besar untuk mendukung ketahanan pangan melalui optimalisasi lahan produktif. Secara konseptual, Green Waqf berperan memperkuat tiga dimensi utama ketahanan pangan yakni ketersediaan, aksesibilitas, dan stabilitas, serta selaras dengan prinsip maqasid al-shariah yang menekankan kemaslahatan sosial dan keberlanjutan lingkungan. Integrasi Green Waqf ke dalam kerangka Asta Cita 2045 menunjukkan sinergi antara nilai keagamaan, pembangunan ekonomi hijau, dan tata kelola pangan berkelanjutan. Keberhasilan implementasi konsep ini sangat bergantung pada model kelembagaan dan tata Kelola yang kuat melalui profesionalisasi nadzir, Inovasi pembiayaan dan teknologi hijau seperti waqf-linked sukuk, serta kolaborasi lintas sektor. Dengan tata kelola yang adaptif dan dukungan kebijakan yang konsisten, Green Waqf berpotensi menjadi arus utama pembiayaan hijau nasional yang memperkuat ketahanan pangan dan mewujudkan Indonesia 2045 yang mandiri, inklusif, dan berkeadilan sosial.
Copyright (c) 2025 Nadlia Ariyati, Arini Izzati, T. Muhammad Ghufran, Zulaikha Rahimah, Gebri Rizkyanovli http://creativecommons.org/licenses/by-sa/4.0
Analysis of Muslim Students' Decisions in Choosing Conventional Bank Savings
The background of this research is that students of UIN SYAHADA Padangsidimpuan Islamic Banking Study Program still use conventional bank savings products. The formulation of the problem in this study is whether there is a simultaneous influence of family, location, and knowledge on the decisions of Islamic Banking Study Program students to use Conventional Banks. The purpose of this study was to determine whether there was a simultaneous influence of family, location, and knowledge on the decision of Islamic Banking Study Program students to use Conventional Banks. The discussion in this research relates to saving decisions, family, location, and knowledge. In this regard, the approach taken is theories related to saving decisions, family, location, and knowledge. The type of research used is quantitative research. The sample used in this study was 78 respondents. The sampling technique uses the purposive sampling technique. Data collection used is a questionnaire technique (questionnaire) and documentation. Data analysis used is validity test, reliability test, descriptive statistical test, normality test, multicollinearity test, heteroscedasticity test, autocorrelation test, coefficient of determination test (R 2 ), partial significance test (t) and simultaneous test (F), multiple linear regression analysis using SPSS version 26. The results showed that partially (t-test) the family and location variables affected the decision to save at conventional banks, but the knowledge variable did not affect the decision to save at conventional banks. The results (F test) of family, location, and knowledge simultaneously influence the decision to save in conventional bank savings. Family factors, location, and knowledge of the dependent variable or the decision to save at a conventional bank is 19.5%, while 80.5% is influenced and explained by other variables not included in this study.
Copyright (c) 2025 Ahmad Ramadhan, Ilham Basrian Jasuma Putra http://creativecommons.org/licenses/by-sa/4.0
Determinan Literasi Keuangan dan Pendapatan Masyarakat Terhadap Keputusan Investasi Emas Digital di BSI KCP Teuku Umar Banda Aceh
Digital gold investment in Indonesia has experienced rapid growth, especially through sharia banking products such as BSI E-Mas, which offer convenience, security, and compliance with sharia principles. However, financial literacy gaps remain a major challenge influencing the community's investment decisions. This study aims to examine the influence of financial literacy and income on digital gold investment decisions among BSI KCP Teuku Umar Banda Aceh customers. The method used is a quantitative approach with 30 respondents selected by random sampling, and data was collected through questionnaires and analyzed using multiple linear regression to test the influence between variables. The results show that financial literacy has a positive and significant effect on digital gold investment decisions, while the effect of income is not significant partially. Simultaneously, financial literacy and income jointly influence investment decisions, contributing 47.1%. These findings emphasize the importance of improving sharia financial literacy to support rational and safe investment decision-making based on digital platforms while optimizing the potential of digital gold as a halal investment instrument that meets the needs of modern society
Copyright (c) 2025 shafia marzati, Ayumiati, Akmal Riza http://creativecommons.org/licenses/by-sa/4.0
Strategi Pemasaran Bank Aceh Syariah dalam Meningkatkan Adopsi Pembiayaan KUR di Kalangan Pelaku Usaha Rumah Makan di Kuala Simpang
Penelitian ini bertujuan untuk mengetahui (1) konsep dan prosedur pembiayaan KUR di Bank Aceh Syariah pada pelaku usaha Rumah Makan, (2) untuk mengetahui penyebab rendahnya minat Pelaku Usaha Rumah Makan terhadap pembiayaan KUR (3) dan untuk mengetahui langkah dan strategi yang diterapkan Bank Aceh Syariah Kota Kualasimpang meningkatkan minat pembiayaan KUR UMKM. Jenis penelitian ini adalah penelitian lapangan dengan pendekatan kualitatif. Teknik pengumpulan data yang dilakukan dengan cara observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa Bank Aceh Cabang Kuala Simpang dalam memasarkan pembiayaan KUR Syariah menjumpai langsung secara tatap muka, selanjutnya menjelaskan pada calon nasabah produk pembiayaan KUR. Langkah selanjutnya melakukan verifikasi dokumen, tanda tangan pembiayaan akad dilakukan oleh Administrasi Pembiayaan (ADP). Pencairan pembiayaan KUR maksimal 3 hari setelah akad. Penyebab rendahnya minat pelaku usaha Rumah Makan terhadap pembiayaan KUR karena takut dan ragu tidak mampu membayar angsuran perbulannya, pelaku usaha rumah makan juga beranggapan bahwa melakukan pinjaman di Bank Syariah tidak jauh berbeda dengan Bank Konvensional.
Copyright (c) 2025 Muhammad Dayyan, Tengku Adrilla Nazara http://creativecommons.org/licenses/by-sa/4.0
Analysis of Factors Influencing Customer Interest Towards Murabahah Financing Products Bil Wakalah Sharia Home Ownership Credit (KPR) at Bank Syariah Indonesia KC Bengkulu
The problem in this study is based on the growing number of customers who are interested in using murabahah bil wakalah contracts for home financing. Data from Bank Syariah Indonesia (BSI) KC Bengkulu S. Parman 2 show that 172 customers have used murabahah bil wakalah contracts to finance their mortgage products. This research aims to identify the factors that influence customer interest in murabahah bil wakalah mortgage financing products. The factors examined include mortgage characteristics, price, and procedural aspects. The study involved 63 respondents who were customers of BSI KC Bengkulu. Data were collected through a Likert-scale questionnaire and analyzed using several statistical tests, including validity and reliability tests, basic assumption tests, classical assumption tests, and factor analysis using Bartlett’s Test of Sphericity. The results of the analysis indicate that the variables of customer financing characteristics, price, and financing procedures have a significant influence on customer interest in murabahah bil wakalah-based Sharia mortgage products.
Copyright (c) 2025 Amimah Oktarina, Ayu Anggun Sari http://creativecommons.org/licenses/by-sa/4.0
Conceptual Analysis of Marketing Strategies Through Live Streaming on Social Media from an Islamic Business Ethics Perspective
The advancement of digital technology has transformed the global marketing landscape, particularly through the use of live streaming as an interactive, real-time promotional strategy. In Indonesia, this trend has grown rapidly alongside the widespread adoption of social media and smartphones. Despite its effectiveness in boosting consumer engagement and sales conversion, live streaming marketing often raises ethical concerns, especially within the framework of Islamic business ethics. This article conceptually analyzes live streaming-based marketing strategies on social media through the lens of Islamic business ethics. The study identifies ethical violations such as overclaiming, non-transparent endorsements, and emotional manipulation, which conflict with Sharia principles like sidq (honesty), ‘adl (justice), and amanah (trustworthiness). Through a literature review, it is found that most businesses have yet to integrate Islamic ethical values into their digital strategies. Islamic business ethics emphasize not only economic efficiency but also moral and spiritual responsibility toward consumers and society. This article recommends integrating Islamic values into digital marketing strategies to ensure business sustainability and divine blessings (barakah). The study contributes to scholarly literature on marketing and Islamic business ethics while providing a conceptual foundation for future research on technology-driven promotions aligned with Sharia principles.
Copyright (c) 2025 Junia Farma, Khairil Umuri http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Diskon Tanggal Kembar dan Online Costumer Review Terhadap Perilaku Pembelian Impulsif dalam Perspektif Islam
Kebiasaan berbelanja secara online membuat masyarakat cenderung melakukan pembelian impulsif. Secara Islam pembelian impulsif dianggap boros dan tidak bijak karena Islam mengajarkan untuk berbelanja dengan pertimbangan yang matang, mengendalikan diri dan menggunakan harta untuk hal-hal yang bermanfaat dan benar-benar dibutuhkan. Penelitian ini bertujuan untuk mengetahui pengaruh diskon tanggal kembar dan online customer review secara parsial dan simultan serta perbedaan terhadap perilaku pembelian impulsif di marketplace dalam perspektif Islam pada masyarakat kota Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif komparatif dengan menyebarkan kuesioner. Hasil Penelitian menunjukkan diskon tanggal kembar secara parsial berpengaruh terhadap perilaku pembelian impulsif e-commerce Shopee, sedangkan pada e-commerce Tokopedia tidak berpengaruh. Online customer review Shopee dan Tokopedia secara parsial tidak berpengaruh terhadap perilaku pembelian impulsif. Diskon tanggal kembar dan online customer review secara simultan berpengaruh terhadap perilaku pembelian impulsif Shopee dan tidak berpengaruh pada e-commerce Tokopedia. Variabel diskon tanggal kembar, online customer review, dan perilaku pembelian impulsif pada e-commerce Shopee dan Tokopedia tidak memiliki perbedaan yang signifikan.
Copyright (c) 2025 Cut - Elfida http://creativecommons.org/licenses/by-sa/4.0
Analysis of Using Intergovernmental Transfers and Local Own-Source Revenue on Poverty Reduction: Islamic Economics Perspective
In Islam, the income of a region is based on the principles that must be followed to achieve falah, which improves the welfare of the community. The fulfillment of maqasid al-shariah in a region can be measured by how well regional revenues are used to achieve the basic objectives of Islamic law. This study examines the influence of Intergovernmental Transfers (TKD) and Local Own-Source Revenue (PAD) on the reduction of poverty rates in Pidie district. This study aims to look at the analysis of using TKD and PAD in Pidie Regency on the reduction of poverty rates in the perspective of Islamic economics. The data used are data on the number of realization of TKD revenues, the number of realization PAD revenues, and the percentage of poverty in Pidie Regency with a span of time from 2014 to 2023. The results of the study showed that TKD had a negative and significant effect on poverty, while PAD had a negative but not significant effect. Simultaneous tests showed that the TKD and PAD variables had a negative and significant effect on the poverty rate in Pidie Regency.
Copyright (c) 2025 Alfia Azzuhra, Annisa Humaira, Awang Darmawan Putra http://creativecommons.org/licenses/by-sa/4.0
ZISWAF'S Role as Community Empowerment Through One Family One Graduate Scholarship at Baitul Mal Aceh
Community empowerment through the One Family One Bachelor (SKSS) scholarship is a program that has the potential to develop society both economically, personally and socially. Therefore, this research examines community empowerment and its mechanisms and optimization. The purpose of this research is to determine the mechanism and optimization of community empowerment through SKSS scholarships at Baitul Mal Aceh. This research uses qualitative research methods with a field research approach. The research results show that the mechanism for community empowerment through the SKSS scholarship includes the objectives of the stages and the benefits obtained, where this mechanism is still not well realized. So the optimization of community empowerment through SKSS scholarships is seen from three dimensions of optimization, namely efficiency, effectiveness and economics, which are described by several indicators, which are still classified as less than optimal, because of the many obstacles and obstacles faced and the output that has not been achieved. However, on the other hand, Baitul Mal Aceh is currently trying to carry out an evaluation, designing a new, better system which is expected to optimize community empowerment through SKSS scholarships in the future.
Copyright (c) 2025 Muksal Muksal, Muhammad Arifin, Muizatul Aspira http://creativecommons.org/licenses/by-sa/4.0
Analisis Faktor-Faktor yang Mempengaruhi Return on Asset (ROA) dengan Ukuran Perusahaan sebagai Variabel Moderating
Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan ijarah, mudharabah, dan rahn terhadap ROA dan menjadikan ukuran perusahaan sebagai variabel moderating secara parsial dan secara simultan. Metode penelitian yang digunakan pada penelitian ini yakni metode kuantitatif dengan menggunakan data sekunder berupa laporan keuangan bulanan KSPPS BMT XXXX periode 2019-2023 dan sampel yang digunakan berjumlah 60 sampel. Adapun teknik analisis data yang digunakan yakni Moderated Regression Analysis (MRA). Hasil penelitian menunjukkan bahwa secara parsial pembiayaan ijarah berpengaruh positif terhadap ROA, sementara pembiayaan mudharabah, dan rahn tidak berpengaruh positif terhadap ROA. Secara simultan, pembiayaan ijarah, mudharabah, dan rahn berpengaruh terhadap ROA. Kemudian terkait peran moderasi ukuran perusahaan menunjukkan bahwa, secara parsial ukuran perusahaan mampu memperkuat pengaruh pembiayaan ijarah terhadap ROA, namun ukuran perusahaan tidak mampu memperkuat pengaruh pembiayaan mudharabah, dan rahn terhadap ROA. Secara simultan ukuran perusahaan mampu memperkuat pengaruh pembiayaan ijarah, mudharabah dan rahn terhadap ROA.
Copyright (c) 2025 Fitri Naila Hidayah, Andriani Samsuri, Andriani Samsuri http://creativecommons.org/licenses/by-sa/4.0
HALAL TOURISM POTENTIAL OF CEMARA INDAH BEACH IN DEVELOPING THE COMMUNITY BUSINESS SECTOR
The results of the research show that the tourism potential of Cemara Indah Beach which can support the development of the community's business sector is the location of the tourist attraction close to residential areas so that people can easily open their businesses, Cemara Indah Beach is close to the national road so it has the potential for small businesses from the community, the potential of the sea and a very beautiful beach, the natural beauty around Cemara Indah Beach that supports it, the availability of good facilities and infrastructure, providing tourist facilities for children and adults, the availability of various culinary foods for visitors and the existence of artificial park tourist attractions, sports fields and play areas children. The potential impact of Cemara Indah Beach tourism on the community business sector is the emergence of various types of community businesses such as opening kiosks selling snacks, traditional culinary businesses, the emergence of businesses providing tourist facilities, games rental businesses for visiting children and the existence of a managed culinary business sector. by BUMG Gampong Ujong Batee.
Tourism Potential Cemara Indah Beach Community Business
Copyright (c) 2025 Yulindawati Yulindawati http://creativecommons.org/licenses/by-sa/4.0
Analisis Penerapan Bauran Pemasaran Syariah Terhadap Peningkatan Penjualan Bakpia Ulir Surabaya
Dalam bauran pemasaran syariah, ada beberapa batasan, yaitu produk yang dijual harus halal dan berkualitas tinggi. Penetapan harga harus didasarkan pada nilai yang wajar dan tidak boleh dinaikkan secara berlebihan. Lokasi usaha harus bebas dari sengketa, dan promosi harus dijalankan tanpa unsur penipuan. Metode penelitian yang digunakan dalam penelitian ini adalah peneltian kualitatif deskriptif. Penelitian ini berlokasikan di home industry di Gang Benteng 1 No. 31, Kelurahan Jemur Wonosari, Kecamatan Wonocolo, Surabaya. Subjek penelitian yang diteliti yaitu Bakpia Ulir Surabaya milik UD. Oca Surabaya. Sumber data yang digunakan adalah data primer dan sekunder. Teknik pengumpulan data yakni dengan observasi dan wawancara. Analisis data kualitatif yakni dengan melakukan langkah langkah reduksi data, penyajian data, dan penarikan kesimpulan. UD Oca Surabaya mengalami peningkatan setelah memperoleh sertifikat halal pada tahun 2021. Peningkatan tersebut terlihat dari meningkatnya kepercayaan konsumen terhadap produk dan jangkauan pemasaran yang menjadi lebih luas. Penerapan bauran pemasaran syariah yang dilakukan oleh UD. Oca Surabaya telah memberikan dampak positif terhadap peningkatan penjualan produk Bakpia Ulir Surabaya. Penerapan bauran pemasaran syariah telah memberikan manfaat bagi perusahaan dan juga bagi konsumen.
Copyright (c) 2025 Sulis Setyowati, Saqofa Nabilah Aini http://creativecommons.org/licenses/by-sa/4.0
Does Islamic Financial Foster Economic Growth? Evidence from Indonesia
The purpose of this study was to determine the effect of Third-Party Funds (X1), Financing (X2), FDI and PMDN Investment Realization (X3) and Exchange Rates (X4) on Economic Growth (Y). This type of research is quantitative research with Error Correction Model (ECM) as a method of data analysis using secondary data in the form of time series. The data used is quarterly data from Third Party Funds, Financing, Investment Realization (FDI and PMDN), Exchange Rates and Gross Domestic Product (GDP) for 2013-2022. The data obtained were 40 samples which were then analyzed using the E-views 12 tool. Based on the results of this study indicate that partially the dependent variable Third Party Funds in the short term and long term has a positive and insignificant impact. Financing has a significant positive effect in the long term, Exchange Rate has a positive and significant effect, Investment Realization (FDI and PMDN) in the short and long term has a positive and significant effect on Indonesia's Economic Growth as indicated by the Gross Domestic Product (GDP) in 2013-2022.
Copyright (c) 2025 Diyah Ariyani, Juwita Mega Rosita, Heri Kurniawan, Anisa Dewi Arismaya, Muhammad Soliki Ariwoto http://creativecommons.org/licenses/by-sa/4.0
Halal Awareness on Self Declaire Halal Certification Program
The development of micro and small businesses in Indonesia is always increasing, so the role of the government is needed to supervise the products produced, both starting from the raw materials used, the manufacturing process to being ready to be distributed to consumers. Halal awareness or halal awareness is a basic thing and must be owned by business actors so that the products traded have guarantees in terms of process and law in accordance with the provisions of Islamic sharia. So that the implementation of Halal Awareness is considered important in the ongoing halal certification program. This study uses a qualitative descriptive method using primary and secondary data which is then analyzed using several processes, namely, First, data reduction. Second, the presentation of data, after the data reduction process, the data is presented in the form of a description. And third, draw conclusions. The results obtained show that halal awareness which includes the indicators of Halal Syar'i Awareness (Zattiyah), Halal Awareness Hygienic, Halal Safe Awareness (Security) and Halal Quality has a very important role so that business actors consciously understand how to apply halal to their products, and this is in line with the government's role in the ongoing self-declaration program.
Copyright (c) 2025 Muhammad Mujib Baidhowi, Ananto Triwibowo http://creativecommons.org/licenses/by-sa/4.0
PEMAHAMAN MASYARAKAT DESA SARANG BULAN KECAMATAN PENDOPO KABUPATEN EMPAT LAWANG PROVINSI SUMATERA SELATAN TERHADAP ZAKAT PERTANIAN PADI
Zakat adalah salah satu rukum Islam, zakat merupakan mengeluarkan Sebagian tertentu dari harta tertentu sampai nisab kepada orang yang berhak menerimanya dan merupakan kewajiban umat islam yang telah ditetapkan oleh Al-Quran, sunnah nabi dan ijma’ para ulama. Kabupaten Empat Lawang Desa Sarang Bulan memiliki persawahan yang cukup luas maka Sebagian Masyarakat penghasilannya dari hasil pertanian, akan tetapi petani belum memahami tentang zakat pertanian maka mereka masih sangat kurang dalam mengamalkan zakat pertanian. Penelitian ini bertujuan untuk mengetahui bagaimana Pemahaman Masyarakat Desa Sarang Bulan Kecamatan Pendopo Kabupaten Empat Lawang Provinsi Sumatera Selatan Terhadap Zakat Pertanian Padi. Penelitian ini mengunakan Metode kualitatif,data dalam penelitian ini diperoleh dari data primer dan data sekunder. Dalam mengumpulkan data mengunakan metode observasi, wawancara, dan dokumentasi. Hasil Penelitian ini menunjukan bahwa dalam melaksanakan kewajiban zakat, Masyarakat belum begitu memahami bahkan terkadang mereka menyamakan antara shadaka dengan zakat. Masyarakat Desa Sarang Bulan Kecamatan Pendopo Kabupaten Empat Lawang Provinsi Sumatera Selatan termasuk Masyarakat yang belum sadar akan kewajiban zakat, dilihat dari kebiasaan mereka yang ketika panen hanya memberikan kepada Masyarakat yang membutuhkan ataupun kemasjid dalam bentuk infaq atau sadakah yang disebut zakat.
THE INFLUENCE OF ISLAMIC RELIGIOSITY, ONLINE CUSTOMER REVIEWS, AND EASE OF SHOPPING ON CONSUMER PURCHASE DECISIONS THROUGH THE SHOPEE MARKETPLACE
This quantitative research discusses e-commerce in relation to online customer reviews and ease of shopping and its influence on purchasing decisions through Shopee e-commerce. This study aims to analyze the influence of Islamic religiosity, online customer reviews, and ease of shopping on customer purchase decisions on the Shopee Marketplace. The analysis method used was multiple linear regression using IBM SPSS 23 software. Primary data is obtained through the distribution of questionnaires to respondents who are active users of Shopee. The research sample consisted of the number of respondents determined by the slovin method, taken from shopee online customer data La Tansa Bookstore and Stationery. The results of the study according to the partial test (t), the Islamic Religiosity variable did not affect the purchase decision through shopee e-commerce La Tansa Bookstore and Stationery on the results of the multiple regression test. Conversely, both Online Customer Reviews and Ease of Shopping have a positive impact on purchasing decisions through shopee e-commerce La Tansa Bookstore and Stationery. The test results showed that 73.7% was accounted for by the dependent variables, indicating a significant influence on the Independent variables
Copyright (c) 2024 Irfan Khoiruddin, Irfan Khoiruddin
EMPLOYEE PERFORMANCE ASSESSMENT IN IMPROVING BUSINESS ACCORDING TO ISLAMIC ECONOMIC PRINCIPLES (Case Study: La Tansa Gontor Department Store)
The evolution of Islam has contributed significantly to various areas of human life. Work in the Islamic perspective is one of the necessities of life and an activity that holds an important role in social life. Work is advocated by Islam, and work is frequently used as a measurement to determine a person's worth.The assessment of employee performance is an imperative aspect in improving organizational performance. This study aims to explore the practice of employee performance assessment in improving the business of CV. La Tansa Gontor Department Store by considering the principles of Islamic economics. This research method used is qualitative with a case study at La Tansa Gontor Department Store.This research concludes that employees' performance evaluation conducted by CV. La Tansa Gontor Department Store has implemented the principles of Islamic economics, hence improving employee motivation and overall performance. The practical implication of this research is that the use of a performance evaluation approach based on Islamic economic principles can be a relevant and effective model for other companies seeking an adoption of Islamic values in their business practices
Analisis Pemetaan Potensi Zakat di Provinsi Aceh Tahun 2023
ABSTRAK Aceh adalah wilayah Muslim terbesar di Indonesia dan sering disebut “Serambi Mekah”. Praktik ajaran Islam sangat penting diberlakukan seperti zakat dan bukan hanya sekedar sedekah biasa melainkan ajaran dalam Islam untuk menyelesaikan masalah ekonomi umat. Hal ini menunjukkan potensi zakat yang besar dilihat dari persentase dan jumlah masyarakat muslim yang besar di Aceh. Penelitian ini bertujuan untuk mengidentifikasi potensi zakat di Aceh dan menganalisis distribusinya di berbagai sektor di berbagai kabupaten dan kota yang berbeda, yang dapat memberikan wawasan berharga bagi pemerintah Aceh untuk meningkatkan pengumpulan zakat dan memastikan penggunaannya yang efektif. Potensi zakat yang dimiliki Provinsi Aceh baik dari sektor pertanian, perkebunan, peternakan, perusahaan, uang dan penghasilan. Penelitian ini menggunakan metode Indikator Pemetaan Potensi Zakat (IPPZ) yang diterbitkan oleh Badan Zakat Nasional (Baznas). Data diperoleh dari Badan Pusat Statistik (BPS) dan dianalisis dengan metode IPPZ dialanjutkan dengan pemetaan sehingga terlihat persebaran wilayah potensi zakat. Hasil analisis menunjukkan Provinsi Aceh memiliki potensi zakat sebesar Rp 3,79 Triliyun pertahunnya dengan Rp 422,53 Milyar pada sektor pertanian, Rp 277,33 Milyar pada sektor perkebunan, Rp 353,84 Milar pada sektor Peternakan, Rp 271,14 Milyar pada sektor Uang, Rp 2,35 Milyar pada sektor Perusahaan dan Rp 2,46 Triliyun pada sektor penghasilan. Daerah Kabupaten/Kota yang memiliki Potensi Zakat yang terbesar di Aceh yaitu Banda Aceh, Aceh Utara dan Bireuen.
Copyright (c) 2024 Awalurramadhana Awalurramadhana
The Sharia Business Model of The Housing Provident Fund (HPF) of Republic Of Indonesia
This study introduces a sharia model of the HPF of republic of Indonesia. since, the Housing Provision Fund promotes housing investment and enables early house purchase for individuals with low income. The aim of this paper is presently sharia business model of provident fund and its implementing strategies to reduce the population of those needing adequate housing of Indonesian. This paper operates an extensive literature review explains the existing of housing provident fund model based on the sharia principle. The Sharia-compliant business model of the provident fund in the Republic of Indonesia is a relatively new mechanism that operates based on the principles of Shariah. It is designed to be fair and strives to achieve the ultimate goals of Sharia by establishing the Housing Provident Fund (HPF). The implementation of the Sharia business model in the housing provident fund of the Indonesian government can be replicated in other Muslim countries. As far as we know, this research is the first in the literature to present a conceptual idea and model for the sharia business model of housing provident fund that complies with Sharia principles.
Copyright (c) 2024 Muhammad Abdul Ghoni, Shinta Kintarani Amelia, Nurul Beyti
Penerapan Manajemen Zakat Produktif Melalui Program ZMART Dalam Meningkatkan Ekonomi Umat di Kota Kupang
Penelitian ini mendeskripsikan kembali penerapan manajemen zakat produktif melalui program ZMART dalam meningkatkan ekonomi umat di Kota Kupang. Metode penelitian dengan pendekatan kualitatif terhadap studi kasus pada sejumlah penerima manfaat Program Zmart di Kota Kupang. Data dikumpulkan melalui wawancara, observasi, dan dokumentasi untuk menganalisis dampak program terhadap kesejahteraan ekonomi penerima program ZMART. Hasil penelitian menunjukkan bahwa pihak BAZNAS Provinsi NTT berupaya menjalankan program ZMART dengan menerapkan fungsi manajemen yang terdiri dari; tahap pertama perencanaan program serta mengumpulkan data dan informasi agar selanjutnya dapat diasesmen sesuai dengan kebutuhan mustahik. Tahap kedua pada penyaluran dilakukan dengan pemberian modal usaha dengan sistem dana hibah yakni mustahik tidak berkewajiban untuk membayar angsuran dari modal yang diterima. Modal usaha tersebut berupa pengadaan dan branding pada produk yang dijual. Pengawasan kepada mustahik penerima program ZMART dilakukan seminggu sekali secara berkelompok ataupun individu dengan mengadakan kunjungan bergilir oleh pendamping diakhiri dengan tahap evaluasi. Penelitian ini mengindikasikan bahwa dengan penerapan manajemen zakat produktif yang tepat, zakat dapat menjadi alat yang efektif dalam memberdayakan ekonomi masyarakat, mempercepat pertumbuhan ekonomi lokal, dan mengurangi ketergantungan pada bantuan sosial
Copyright (c) 2024 Ashabul Yamin, Rob’iah Awaliyah, Hasanah Purnamasari, Awang Darmawan Putra
DINAMIKA SERTIFIKASI HALAL MELALUI SKEMA SELF DECLARE PADA UMKM DI ACEH: TANTANGAN, PELUANG DAN STRATEGI AKSELERASI DAYA SAING USAHA
Saat ini, jumlah pelaku UMKM di Aceh sangat tinggi dengan segala bentuk jenis usahanya, namun masih banyak yang belum memiliki sertifikat halal yang merupakan salah satu legalitas usaha yang harus dipenuhi. Salah satu bentuk sertifikasi halal adalah dengan skema self declare, model sertifikasi halal ini ditanggapi beragam oleh pelaku UMKM di Aceh. Penelitian ini bertujuan untuk: (1) Menguraikan dinamika sertifikasi halal melalui skema self declare pada Usaha Mikro, Kecil dan Menengah di Aceh. (2) Mengidentifikasi tantangan dan peluang dalam akselerasi daya saing Usaha Mikro, Kecil dan Menengah di Aceh. (3) Menetapkan strategi pelaku usaha dalam akselerasi daya saing Usaha Mikro, Kecil dan Menengah di Aceh. Jenis penelitian ini bersifat deskriptif kualitatif dengan teknik pengumpalan data melalui data sekunder yaitu wawancara dengan informan penelitian pada 4 (empat) wilayah di Aceh. Informan penelitian meliputi pelaku UMKM, Dinas Koperasi dan UMKM Aceh, Pendamping Proses Halal (PPH), Seksi Bima Islam pada Kementerian Agama serta Majelis Permusyawaratan Ulama (MPU). Hasil penelitian menunjukkan bahwa pelaku UMKM antusias dengan pengurusan sertifikasi halal sebagai salah satu pemenuhan legalitas usaha. Tantangan yang ada yaitu kurangnya pemahaman pelaku UMKM terkait penggunaan bahan-bahan usaha yang masuk kedalam positive list dalam skema Self declare. Untuk itu, perlu kerja keras dan upaya pihakpihak terkait dalam meningkatkan kesadaran pelaku usaha akan sertifikasi halal sehingga tercipta akselerasi daya saing usaha para pelaku UMKM.
The Influence of Islamic Branding, Online Customer Reviews, and Tagline on Online Purchase Decisions on Shopee
This research aims to analyze the influence of Islamic branding, online customer reviews and tagline on online purchasing decisions at Shopee by students in Banda Aceh City. The data used is primary data obtained from questionnaires distributed to 160 respondents, students who use Shopee ecommerce in Banda Aceh City. This research used a quantitative approach. The sampling technique uses purposive sampling techniques and is determined by the Hair formula. Technical data analysis using multiple linear regression with the SPSS. The results of this study indicate that the variables of Islamic branding, online customer review, and tagline have a positive and significant effect on online purchasing decisions at Shopee. Simultaneous testing found that the variables of Islamic branding, online customer review, and tagline have an effect on online purchasing decisions at Shopee
Copyright (c) 2024 Parjah Salpina, Khairil Umuri, Hendra Halim, Nurma Sari
THE INFLUENCE OF EDUCATION, KNOWLEDGE AND SKILLS ON THE PERFORMANCE OF PT BANK ACEH SYARIAH EMPLOYEES
Kinerja suatu perusahaan, termasuk perbankan, dalam mencapai tujuannya sangat bergantung pada kemampuan sumber daya manusianya (karyawan) dalam melaksanakan tugas dan tanggung jawabnya. Penelitian ini bertujuan untuk mengetahui pengaruh faktor pendidikan, pengetahuan dan keterampilan terhadap kinerja pegawai Kantor Pusat PT Bank Aceh Syariah. Dengan menggunakan 74 data responden, sampel dalam penelitian ini adalah karyawan PT Bank Aceh Kantor Pusat Syariah. Data diolah menggunakan aplikasi SPSS dengan analisis regresi linier berganda. Hasil menyatakan bahwa pendidikan tidak berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah, pengetahuan tidak berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah, keterampilan berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah, sekaligus pendidikan, pengetahuan dan keterampilan bersama-sama berpengaruh terhadap kinerja karyawan PT Bank Aceh Syariah.
Pengaruh Kualitas Pelayanan, Kualitas Informasi, dan Islamic Branding Terhadap Kepuasan Konsumen Pada Situs Jual Beli Shopee (Studi Kasus Mahasiswa FEB Untirta)
Penelitian ini bertujuan untuk menyelidiki dampak variabel kualitas pelayanan, kualitas informasi, dan Islamic branding terhadap tingkat kepuasan konsumen, khususnya dalam kerangka konsumen Shopee. Penelitian menggunakan pendekatan kuantitatif dengan jenis pendekatan asosiatif. Sumber data primer adalah melalui pembagian kuisoner. Sedangkan sumber data sekunder berasal dari jurnal, artikel dan buku yang berkaitan dengan topik pengaruh kualitas pelayanan, kualitas informasi dan islamic branding terhadap kepuasan konsumen. Pengumpulan data melalui observasi, wawancara, dan dokumentasi. Analisis data dilakukan dengan tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini yaitu secara parsial kualitas pelayanan, kualitas informasi dan islamic branding memiliki pengaruh positif dan signifikan terhadap kepuasan konsumen. Selanjutnya secara simultan kualitas pelayanan, kualitas informasi dan islamic branding memiliki pengaruh positif dan signifikan terhadap kepuasan konsumen.
Copyright (c) 2024 Toto Prihartama, Moh. Mukhsin
Literature Review Riset peran Maqasyid Syariah di Perbankan Syariah Indonesia
Penelitian ini bertujuan untuk melakukan tinjauan pustaka terhadap hasil penelitian tentang realisasi indeks maqashid syariah (MSI) pada perbankan syariah. Penelitian ini menggunakan pendekatan kualitatif dengan menerapkan metode deskriptif-analitis. Hasil penelitian ini menunjukkan bahwa beberapa hasil penelitian menekankan pentingnya realisasi indeks maqashid syariah (MSI) pada perbankan syariah. Dari Diskusi menjelaskan bahwa adanya pengaruh positif yang signifikan dari kinerja sosial berbasis Maqasid al-Shariah terhadap kinerja keuangan, Indeks maqasid syariah terbukti berpengaruh positif dan signifikan terhadap Kinerja Berbasis Akuntansi. Penelitian ini menyimpulkan penting sekali lembaga keuangan terkhusunya bank syariah menggunakan penilaian dengan indikator muqasyid syariah atau indikator penilaian yang dilahirkan dari bidang ilmu ekonomi islam
Copyright (c) 2024 dafiar elsyarif syarif
THE EFFECT OF SERVICE QUALITY AND BRAND IMAGE ON CUSTOMER LOYALTY WITH CUSTOMER SATISFACTION AS AN INTERVENING VARIABLE
This study aims to analyze the effect of service quality and brand image on customer satisfaction and its impact on customer loyalty at PT Asuransi Jasindo Syariah. Service quality and brand image have a very important role in building positive relationships with customers, which can increase customer satisfaction and loyalty. This research method involves surveying customers of PT Asuransi Jasindo Syariah to collect primary data. The sampling technique was carried out using purposive sampling method, and the data were analyzed using path analysis to measure the relationship between these variables. The results of data analysis show that service quality and brand image significantly affect customer satisfaction. In addition, customer satisfaction is also proven to have a significant impact on customer loyalty. The implication of these findings is that PT Asuransi Jasindo Syariah needs to continue to improve the quality of service to its customers and strengthen its brand image in order to maintain and increase customer satisfaction, which in turn will contribute to increased customer loyalty. Company management needs to understand the importance of maintaining positive relationships with customers and focus on developing strategies to improve service quality and strengthen brand image in order to achieve the company's long-term goals.
Copyright (c) 2024 Suhad Suhad, Heni Iswati
The Role of Product Differentiation, Customer Purchase Intention, and Islamic Self-Congruity in Driving Customer Loyalty
Objective: This research aims to examine efforts to encourage the optimization of product differentiation, which can significantly impact customer purchase intention and Islamic self-congruity, thereby enhancing customer loyalty. Research Design & Method: This study was conducted with 150 Shopee customers residing in Salatiga city, utilizing an online questionnaire distributed via WhatsApp (WA) using accidental sampling technique. The collected data were processed using Partial Least Square Program Smart (PLS) Version 4.0, with Variance Based Structural Equation Modeling (SEM). Findings: The results of this research indicate that product differentiation is effective in driving customer purchase intention and Islamic self-congruity but fails to increase customer loyalty. Furthermore, customer purchase intention plays a significant role in boosting customer loyalty. However, Islamic self-congruity does not lead to increased customer loyalty. Implications & Recommendations: This study concludes that higher levels of product differentiation in Muslim clothing offered by Shopee do not directly enhance customer loyalty. Companies need to manage and optimize customer purchase intention to have a more substantial impact on driving customer loyalty. Islamic self-congruity has not successfully leveraged product differentiation in increasing customer loyalty. Contribution & Value Added: This research offers a fresh perspective on self-congruity theory, highlighting that self-congruence based on specific beliefs and religious convictions provides an opportunity for a broader exploration of customer behavior phenomena. Future research would be intriguing if conducted with more heterogeneous respondents, leading to a deeper understanding of the roles of customer purchase intention and Islamic self-congruity in enhancing customer loyalty.
Copyright (c) 2024 Riyan Cavallera, Faqih Nabhan
APPLICATION OF THE MCKINSEY MODEL IN ORGANIZATIONAL CHANGE AT BANK SYARIAH INDONESIA KCP JEMBER KARIMATA
Organizational change is a vital process in the growth and survival of an organization. The seven key elements that must align and interact harmoniously within an organization are: Strategy, Structure, Systems, Staff, Style/Culture, Shared Values, and Skills. The type of research used in this research is descriptive research using a qualitative approach. The data collection techniques used were observation, interviews and documentation. The data analysis technique is descriptive and the data validity technique uses source triangulation. The results of this research show that 1. the implementation of McKinsey's business strategy has gone very smoothly and has had a significant positive impact on the growth of the banking institution. As a result of implementation, BSI KCP Karimata was able to improve service quality and customer satisfaction. Operational efficiencies obtained through the McKinsey model also contribute positively to profitability and strengthen the financial foundation of BSI KCP Karimata. 2. The profits obtained after implementing the McKinsey model, namely the main profits obtained by BSI KCP Jember Karimata, further strengthen BSI's position as the largest sharia bank in Indonesia and in 2023 BSI will crawl up to the top 10 national banks. The challenge is that there are still some employees who find it difficult to adapt to new regulations or strategies from BSI KCP Jember Karimata.