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All Journal Al-Kharaj: Journal of Islamic Economic and Business JEBD Jurnal Intelek Insan Cendikia
Kamaruddin Arsyad
Universitas Islam Negeri Alauddin Makassar
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Etika Bisnis Digital dalam Prespektif Islam: Analisis Tantangan Fintech, E-Commerce, dan Perlindungan Data Konsumen di Era Ekonomi Digital Andi Darmawansyah Sayuti; Kamaruddin Arsyad; Jamaluddin Jamaluddin
Jurnal Intelek Insan Cendikia Vol. 3 No. 7 (2026): JULI 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Perkembangan teknologi digital telah mengubah pola transaksi ekonomi melalui pemanfaatan financial technology (fintech) dan e-commerce yang menawarkan kemudahan, efisiensi, serta akses keuangan yang semakin luas. Di balik manfaat tersebut, muncul berbagai persoalan etika yang berkaitan dengan perlindungan data pribadi, transparansi informasi, keamanan transaksi, praktik pinjaman daring ilegal, manipulasi algoritma, hingga perlindungan hak-hak konsumen. Penelitian ini bertujuan menganalisis etika bisnis digital dalam perspektif Islam dengan menelaah tantangan kontemporer pada fintech dan e-commerce. Penelitian menggunakan metode library research dengan pendekatan kualitatif-deskriptif melalui kajian terhadap literatur ilmiah, regulasi, dan hasil penelitian terbaru mengenai etika bisnis digital. Hasil penelitian menunjukkan bahwa perkembangan bisnis digital menuntut penerapan prinsip etika berupa kejujuran, transparansi, keadilan, tanggung jawab, perlindungan privasi, serta akuntabilitas. Dalam perspektif Islam, prinsip tersebut sejalan dengan nilai amanah, keadilan ('adl), kemaslahatan (maslahah), serta larangan terhadap praktik gharar, riba, penipuan, dan eksploitasi. Implementasi etika bisnis digital menjadi faktor penting dalam membangun kepercayaan masyarakat, menjaga keberlanjutan bisnis, serta menciptakan ekosistem ekonomi digital yang sehat dan berkeadilan
Annesang (Muzara'ah) Based on Maslahah and CIBEST in Improving Farmer Welfare in Bulukumba Regency Sri Nurul Nabila; Rahman Ambo Masse; Sumarlin; Kamaruddin Arsyad; Abdul Wahab
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8515

Abstract

This study focuses on the implementation of the Annesang (Muzara'ah) system based on the Maslahah concept to improve the welfare of farmers in Batulohe Village, Bulukumpa District, Bulukumba Regency. The phenomenon of profit-sharing cooperation between landowners and rice farmers is important because of income inequality and the risk of injustice in the distribution of harvests, and highlights the spiritual aspect that has so far received little attention. This study uses a qualitative phenomenological approach with observation methods, in-depth interviews, questionnaires, and documentation of 30 farmers. The CIBEST (Center of Islamic Business and Economic Studies) model is used as a multidimensional measuring tool that assesses welfare and poverty from a comprehensive material and spiritual aspect. The results of the study indicate that the implementation of the Maslahah-based Annesang (Muzara'ah) system and the CIBEST model significantly improved the welfare index of farmers in Batulohe Village, particularly in terms of higher income, economic resilience, spiritual satisfaction, and a more balanced quality of life. Challenges encountered included the implementation of oral contracts, unclear capital participation, and risk management that requires a more professional and legal approach. The implications of the study emphasize the importance of strengthening the Maslahah-based Annesang system as a model for fair, sustainable agricultural cooperation, and integrating the spiritual values ​​of agrarian communities. The CIBEST model is recommended as a holistic welfare evaluation instrument that facilitates the formulation of integrated economic and socio-spiritual intervention policies and programs. Regulatory support, facilitation of contract legalization, farmer capacity building, and legal protection by the government and related institutions are expected to ensure that this profit-sharing practice runs effectively, transparently, and is able to improve the welfare of the community as a whole
The moderating role of Al-Falah values in the effect of digital marketing and product innovation on the competitive advantage of micro, small, and medium enterprises in Sinjai Regency selmiana salam; Sudriman; Syaharuddin; Supriadi; Kamaruddin Arsyad
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9018

Abstract

This study aims to examine the effects of digital marketing adaptation and product innovation on the competitive advantage of micro, small, and medium enterprises (MSMEs) in Sinjai Regency, Indonesia, and to investigate the moderating role of Al-Falah values. A quantitative approach was employed using a survey method involving 220 MSME owners. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4.0. The results indicate that digital marketing adaptation has a positive and significant effect on competitive advantage (β = 0.215; p < 0.05), while product innovation shows a stronger positive effect (β = 0.355; p < 0.05). Al-Falah values also have a positive and significant direct effect on competitive advantage (β = 0.325; p < 0.05). The structural model demonstrates strong predictive power, with an R² value of 0.712, indicating that 71.2% of the variance in competitive advantage is explained by the proposed model. However, the moderating effects of Al-Falah values on the relationship between digital marketing adaptation and competitive advantage (β = −0.014; p > 0.05), as well as between product innovation and competitive advantage (β = −0.020; p > 0.05), are not statistically significant. These findings suggest that digital marketing adaptation and product innovation independently enhance MSMEs’ competitive advantage, while Al-Falah values primarily function as an ethical foundation rather than a reinforcing moderator. This study contributes to the literature by integrating Islamic ethical values into a digital competitiveness framework and offers practical implications for strengthening sustainable MSME competitiveness.
Pengaruh Kualitas Produk Dan Service Excellent Melalui Experiential Marketing Sebagai Variabel Moderasi Terhadap Minat Brand Pada Bank Muamalat Cabang Gowa Aliah Adillah; Sitti Fatimah; Nuraeni Gani; Kamaruddin Arsyad; Ilham Gani
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 3 (2025): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Abstract

Penelitian bertujuan menunjukkan pengaruh Kualitas Produk dan Service Excellent Melalui Experiential Marketing Sebagai Variabel Moderasi Terhadap Minat Brand Pada Bank Muamalat Cabang Gowa. Jenis penelitian yang digunakan yaitu kuantitatif dengan pendekatan asosiatif dan menggunakan data primer dan sekunder. Penelitian ini menggunakan sampel sebanyak 100 responden. Teknik analisis data menggunakan uji koefisien determinasi, uji parsial dan uji analisis MRA, namun sebelum itu dilakukan pengujian validitas, realibilitas dan asumsi klasik dengan alat bantu software SPSS 21. Hasil penelitian menunjukkan bahwa Kualitas produk berpengaruh positif dan signifikan terhadap minat brand. Service excellent berpengaruh positif dan signifikan terhadap minat brand. Kualitas produk dan service excellent secara simultan berpengaruh positif dan signifikan terhadap miant brand. Kualitas produk tidak mampu memoderasi experiential marketing terhadap minat brand. Service excellent mampu memoderasi experiential marketing terhadap minat brand. Penelitian ini dapat melengkapi teori yang sudah ada dan dapat menjadi rujukan bagi perbankan syariah dalam meningkatkan hubungan perusahaan dengan industri.
Co-Authors Abdul Wahab Aliah Adillah Andi Darmawansyah Sayuti Ilham Gani Jamaluddin Jamaluddin Nuraeni Gani Rahman Ambo Masse selmiana salam Sitti Fatimah Sri Nurul Nabila Sudriman Sumarlin Sumarlin Supriadi Syaharuddin