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All Journal Ekonomi Syariah, Perbankan, Hukum, dan Sistem
Ahmad Sarmadi
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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MSME RETAIL TRANSFORMATION STRATEGY BASED ON SHARIA ECONOMIC PRINCIPLES Sugina Mr; Ahmad Sarmadi; Dedy Iskandar; Andri Cahyo Purnomo
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 4 No. 7 (2026): Ekossistem Volume 4 Number 7 (April 2026)
Publisher : Yasi Learning Education Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/xhvw6c59

Abstract

The digital transformation of shariah-based retail MSMEs is a strategic effort to enhance competitiveness and ethical business value in the digital era. However, its implementation still faces fundamental challenges such as symbolic tendencies, limitations in digital and shariah literacy, infrastructure gaps, and non-inclusive access to financing. This study aims to analyze the digital transformation of retail MSMEs within the framework of shariah economics using a qualitative approach based on literature review. Data were collected from various selected secondary sources to examine relevant characteristics, challenges, opportunities, and strategies. The findings indicate that the digital transformation of MSMEs is a complex, holistic process, where internal limitations of MSMEs (such as capital and human resources) intersect with external challenges in the form of uneven digital infrastructure, low literacy, and suboptimal regulatory frameworks. On the other hand, shariah principles and the presence of shariah fintech actually offer significant opportunities to build a more just and sustainable financial system. However, there exists a fundamental paradox in the form of a wide gap between available technological innovations and the adoption capacity of business actors. Therefore, effective transformation strategies must focus on building a symbiotic ecosystem through synergistic collaboration among all stakeholders.
ANALISIS YURIDIS PUTUSAN PENGADILAN AGAMA TANGERANG NOMOR 1654/PDT.G/2025/PA.TNG TENTANG CERAI TALAK DENGAN KESEPAKATAN MEDIASI Syarif Hidyatullah; Ahmad Sarmadi
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 4 No. 7 (2026): Ekossistem Volume 4 Number 7 (April 2026)
Publisher : Yasi Learning Education Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/1cs1ws59

Abstract

The process of resolving divorce cases not only concerns the dissolution of the marital bond but also has implications for civil rights. This study analyzes the Tangerang Religious Court Decision Number 1654/Pdt.G/2025/PA.Tng, which granted a talak divorce petition based on a mediation agreement reached between the Petitioner and the Respondent regarding post-divorce rights. The research focuses on the validity of the partially successful mediation agreement, the judge's legal reasoning, and the juridical implications of incorporating this agreement into the final ruling. The research employs a normative juridical method, using a statutory approach and case analysis. The findings indicate that the judge carefully considered the formal and material requirements of the mediation agreement in accordance with Articles 1320 and 1337 of the Indonesian Civil Code (KUHPerdata), and integrated them into the operative section of the judgment. The agreement is binding on the parties and possesses executory legal force. This decision reflects the court's endeavor to resolve divorce cases comprehensively while taking into account the interests of both parties and their children.
Co-Authors Andri Cahyo Purnomo Dedy Iskandar Sugina Mr Syarif Hidyatullah