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All Journal Merdeka Indonesia Jurnal International El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Shofwa Shafrani, Yoiz
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Medicine & Pharmacology Social Sciences

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GENTRIFIKASI DAN WAJAH BARU KETIMPANGAN: TINJAUAN KRITIS ATAS DAMPAK SOSIAL PERKOTAAN Putri Hidayat, Meli Rohimah; Rachmawati, Elza; Muflichah, Ani; Shofwa Shafrani, Yoiz
Merdeka Indonesia Jurnal International Vol 5 No 1 (2025): Vol 5 No 1 (2025): MIJI : Merdeka Indonesia Journal International
Publisher : Merdeka Indonesia Jurnal International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69796/miji.v5i1.327

Abstract

Gentrifikasi merupakan proses transformasi kota yang kompleks karena mencakup perubahan sosial, ekonomi, dan tata ruang. Fenomena ini terjadi ketika kelompok masyarakat kelas menengah ke atas mulai menetap di kawasan yang dulunya dihuni oleh warga berpenghasilan rendah. Akibatnya, terjadi kenaikan nilai properti serta peningkatan investasi, namun juga mendorong terjadinya pengucilan ekonomi dan sosial terhadap penduduk asli. Tulisan ini menyajikan ulasan literatur terkait dampak gentrifikasi terhadap perekonomian lokal, terutama pada perubahan struktur ekonomi, ketimpangan sosial, dan tantangan usaha mikro. Selain itu, ditambahkan pula analisis perbandingan antar wilayah serta bentuk-bentuk adaptasi komunitas lokal. Kebijakan yang berpihak pada masyarakat lokal sangat dibutuhkan untuk menjamin keadilan dalam proses pembangunan kota.
PERAN DAN KONTRIBUSI PAJAK ASLI DAERAH DALAM PERTUMBUHAN EKONOMI: TINJAUAN KOTA TANJUNGPINANG TAHUN 2023 Ghilda Nur Zain, Annisa; Shofwa Shafrani, Yoiz; Rahma Putri, Meirizka; Abdul Rozak, Roykhul Akbar
Merdeka Indonesia Jurnal International Vol 5 No 1 (2025): Vol 5 No 1 (2025): MIJI : Merdeka Indonesia Journal International
Publisher : Merdeka Indonesia Jurnal International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69796/miji.v5i1.333

Abstract

Tujuan dari penelitian ini adalah untuk menyelidiki implikasi dari penerapan kebijakan fiskal, khususnya dalam hal pajak daerah, terhadap pertumbuhan ekonomi wilayah dengan fokus pada Kota Tanjungpinang pada tahun 2023. Melalui pendekatan studi literatur, riset ini mengeksplorasi berbagai sumber sekunder seperti regulasi fiskal, kebijakan perpajakan, dan laporan kinerja fiskal daerah selama tahun berjalan. Pendekatan ini memberikan gambaran mendalam tentang bagaimana pengelolaan Pendapatan Asli Lokal (PAD) berhubungan dengan pola pertumbuhan ekonomi lokal pada tahun 2023. Hasil penelitian menunjukkan bahwa kebijakan fiskal yang dijalankan melalui Peraturan Daerah Tanjungpinang tahun 2023 memiliki pengaruh signifikan terhadap peningkatan PAD. Peningkatan PAD ini memperluas kapasitas fiskal pemerintah daerah dalam membiayai program pembangunan yang berkontribusi langsung terhadap akselerasi pertumbuhan ekonomi. Dengan demikian, dapat disimpulkan bahwa pada tahun 2023, pengembangan kebijakan fiskal yang adaptif dan berbasis kebutuhan lokal menjadi faktor kunci dalam memperkuat ketahanan dan pertumbuhan ekonomi Kota Tanjungpinang secara berkelanjutan.
Etika Bisnis Islam Perspektif Al-Ghazali dalam Era Transformasi Digital: Analisis Relevansi pada Platform Shopee Solikhah, Mar’atus; Shofwa Shafrani, Yoiz; Apit Afifah, Timbang
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.10409

Abstract

The digital transformation of e-commerce has dramatically reshaped Indonesia’s business landscape, with transaction values projected to reach USD 80 billion by 2025. Nevertheless, this rapid expansion has simultaneously produced critical ethical challenges, including price manipulation, exploitation of personal data, and structural injustice that disadvantages MSME actors. This study aims to analyze the relevance of Islamic business ethics norms from Al-Ghazali’s perspective within the context of the Shopee platform and to formulate applicable strengthening strategies. Utilizing a qualitative method through a literature-based approach examining Al-Ghazali’s works and 45 contemporary studies (2015–2025), this research investigates four fundamental principles of Islamic business ethics: mashlahah (public benefit), niyyah (sincere intention), sidq (honesty), and ‘adl (justice). The findings reveal that the implementation of these principles through features such as rating systems, product reviews, and dispute-resolution centers can enhance consumer protection by up to 65%. However, significant obstacles remain, including uneven product transparency (40%), misuse of reviews (15–20%), and the dominance of profit-driven motives (70%). The study proposes five key strategic recommendations: digital ethics education, AI-Blockchain-based verification systems, integration of mashlahah into recommendation algorithms, multi-stakeholder collaboration, and the development of an Islamic Business Ethics Index (IBEI). Consistent implementation of Al-Ghazali’s ethical principles is expected to foster an e-commerce ecosystem that is equitable, transparent, and oriented toward collective welfare.
Etika Bisnis Islam Perspektif Al-Ghazali dalam Era Transformasi Digital: Analisis Relevansi pada Platform Shopee Solikhah, Mar’atus; Shofwa Shafrani, Yoiz; Apit Afifah, Timbang
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.10409

Abstract

The digital transformation of e-commerce has dramatically reshaped Indonesia’s business landscape, with transaction values projected to reach USD 80 billion by 2025. Nevertheless, this rapid expansion has simultaneously produced critical ethical challenges, including price manipulation, exploitation of personal data, and structural injustice that disadvantages MSME actors. This study aims to analyze the relevance of Islamic business ethics norms from Al-Ghazali’s perspective within the context of the Shopee platform and to formulate applicable strengthening strategies. Utilizing a qualitative method through a literature-based approach examining Al-Ghazali’s works and 45 contemporary studies (2015–2025), this research investigates four fundamental principles of Islamic business ethics: mashlahah (public benefit), niyyah (sincere intention), sidq (honesty), and ‘adl (justice). The findings reveal that the implementation of these principles through features such as rating systems, product reviews, and dispute-resolution centers can enhance consumer protection by up to 65%. However, significant obstacles remain, including uneven product transparency (40%), misuse of reviews (15–20%), and the dominance of profit-driven motives (70%). The study proposes five key strategic recommendations: digital ethics education, AI-Blockchain-based verification systems, integration of mashlahah into recommendation algorithms, multi-stakeholder collaboration, and the development of an Islamic Business Ethics Index (IBEI). Consistent implementation of Al-Ghazali’s ethical principles is expected to foster an e-commerce ecosystem that is equitable, transparent, and oriented toward collective welfare.
Co-Authors Abdul Rozak, Roykhul Akbar Apit Afifah, Timbang Ghilda Nur Zain, Annisa Muflichah, Ani Putri Hidayat, Meli Rohimah Rachmawati, Elza Rahma Putri, Meirizka Solikhah, Mar’atus