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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah JURNAL MANAJEMEN BISNIS Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Penelitian Ekonomi Akuntansi (JENSI) JURMA : Jurnal Program Mahasiswa Kreatif Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences An-Nisbah : Jurnal Perbankan Syariah JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Ekonomi Syariah Pelita Bangsa International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Economic Reviews Journal Optimal: Jurnal Ekonomi dan Manajemen Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) Jurnal Multidisiplin Sahombu Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Jurnal Nirta: Studi Inovasi Jurnal Ilmiah Research Student IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Scripta Economica: Journal of Economics, Management, and Accounting
Maryam Batubara
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Sharia Crowdfunding as an Instrument of MSME Financial Inclusion in Indonesia: Development, Challenges, and Regulatory Implications Bunga Dwi Fani Ritonga; Saparuddin Siregar; Maryam Batubara
Journal of Economics, Management, and Accounting Vol 1 No 3 (2026): March: Scripta Economica: Journal of Economics, Management, and Accounting
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/4w024365

Abstract

Sharia crowdfunding has gained increasing attention as an alternative financing mechanism capable of supporting MSME financial inclusion in Indonesia’s Islamic economic framework. This study aims to analyze the development of Sharia crowdfunding, identify key challenges in its implementation for MSME financing, and examine the resulting regulatory and institutional implications. Employing a qualitative research approach, the study utilizes in-depth interviews, document analysis, and literature review to capture perspectives from regulators, platform operators, Sharia authorities, investors, and MSME actors. The findings indicate that Sharia crowdfunding contributes to expanding access to capital through ethical, risk-sharing, and technology-based financing models, while remaining consistent with Islamic principles. However, its implementation is constrained by limited financial literacy, dual regulatory compliance demands, governance standardization issues, MSME capacity limitations, and investor risk perceptions. The study further reveals that effective regulatory harmonization, strengthened Sharia supervision, and institutional coordination are critical to ensuring sustainability and credibility. These findings underscore the role of Sharia crowdfunding as a complementary instrument for inclusive economic development and provide policy-relevant insights for strengthening Indonesia’s Islamic fintech ecosystem.
Fenomena Minat Masyarakat Indonesia Pada Forex Online ; Bagaimana Sudut Pandang Syariah ? Sauril Rahmadi Hutabarat; Maryam Batubara
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8177

Abstract

The development of technology has shifted the pattern of forex transactions from corporate to retail, currently the interest of the Indonesian people is quite high in forex investment, but on the other hand there are also many investors who have failed, this article aims to find out how high the risk of investing through online forex applications. The research method used is a descriptive qualitative method, by conducting a literature review of various articles searched through published and perished applications, Google Scholar, and Google, the result obtained is that forex transactions have a very high risk, the majority of investors, especially beginners, fail in this business, besides that from the sharia side, forex transactions are only allowed to be limited to spot transactions and forward agreements, While transactions made on online applications are not intended for such transactions, so what is transacted in online forex applications is most likely an illegitimate transaction, besides that the investor's purpose is only to take advantage of the difference in value, not for the purpose of foreign trade, forex transactions on this online application are more speculation based on possible possibilities so that these activities can be categorized as usury and gambling, The high interest of the public, including Muslims, in online forex transactions is due to the high possibility of profits that can be obtained, and the lack of risk accountability, this happens due to the lack of level of knowledge related to Islamic risks and financial literacy, especially in the field of forex.
Viral Marketing Pada Usaha Mikro Kecil Menengah (UMKM) Halal Faisal Hamdani Harahap; Iqbal Fahri Tobing; Muhammad Suhaimi; Maryam Batubara
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8503

Abstract

Viral is a term that is always associated with content on social media. Content that has gone viral often has a certain appeal which makes social media users like the activity of re-sharing/re-posting that content. The existence of this phenomenon has become a separate strategy in digital marketing, especially on social media, namely viral marketing. according to data from the Ministry of Cooperatives and UKM that there are still many UMKM actors, including Halal UMKM, who have not yet approached technology in their marketing, this can be seen from the percentage figure which has only reached 13% of UMKM adopting digital technology. This study aims to identify and describe viral marketing as a strategy in digital marketing through social media. This study uses a qualitative-descriptive research method with a literature study data collection method. The results of this study indicate that creative and innovative content is a component of viral marketing, thereby creating a culture of content sharing. On the other hand, the influencer/buzzer role also influences viral marketing as a digital marketing strategy. The phenomenon of the virality of content on social media has had a significant impact and is used as the latest strategy method for UMKM actors.
Pengaruh Pendapatan Asli Daerah, Dana Alokasi Umum, dan Dana Alokasi Khusus Terhadap Kesejahteraan Masyarakat Melalui Pertumbuhan Ekonomi Dalam Perspektif Ekonomi Islam di Kabupaten Langkat Risca Yunia Lestari; Muhammad Ridwan; Maryam Batubara
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.9681

Abstract

The welfare of the community is a condition that many parties want to achieve, one of which is the local government who wants to prosper regional autonomy in various aspects. People who can meet all their needs, facilitate access in many ways, get proper facilities, and others are the goals and responsibilities of the blood government. The purpose of this study was to determine the extent of the influence of the dependent variable on the independent variable through intervening variables that describe what conditions have an influence or not on the welfare of the people of Langkat Regency. This research method uses a quantitative approach that uses path analysis and uses SPSS (Statistical Package for the Social Sciences) version 25 for window program assistance. This study uses secondary data within the last 5 (five) years. The results show that simultaneously (overall) Regional Original Income (PAD), General Allocation Funds (DAU), and Special Allocation Funds (DAK) have an effect on economic growth, meanwhile Regional Original Income (PAD) and economic growth have no effect on welfare. community, then the General Allocation Fund (DAU) and the Special Allocation Fund (DAK) have a direct effect on the welfare of the community, and the last one is Regional Original Revenue (PAD), the General Allocation Fund (DAU), and the Special Allocation Fund (DAK) have no indirect effect. directly to the welfare of society. Economic growth related to welfare can be obtained only by piety to Allah Subahana Wataala and also speaking honestly and truthfully. In an Islamic Economic Perspective, people are encouraged to pay attention to the welfare of future generations.
Co-Authors Abdillah Abdillah Abdurrozzaq Ismail Adelia Safitri Adik Tya Hasibuan Adinda Rizki Fadilah Ahyarul Juanda Sagala Alda Andrini Andini, Yuli Andri Soemitra Angga Putra Suhadi Anggi Luthfia Pane Anisa Mawaddah Aswan Nawawi Asyhari abdillah siregar Aulia Nurrahmah Lubis Ayu Ashara Harahap Ayu Elvina Azrin Bahri Harahap Bella Delima Bunga Anggita Batubara Bunga Dwi Fani Ritonga Cahya Amelia Cahya Purwati Sinulingga Cindy Aulia Zalyanti Cut Anggraini Dea Sarah Sati Hana'an Dian Zahra Syahfitri Lubis Didi Handono Syahputra Dini Anggraini Divya Reyvani Efendi, Bunga Artha Nefia Eka Lestari Elaeis Guineensis Jalil Hsb Fadillatunnisa Fadillatunnisa Fahriza Alyanisa Faisal Hamdani Harahap Farah Indah Azhari Farhan Syafiq Fathiya Syahidah Nasution Fazlurrasyid Sulaiman Martua Siregar Febriyani Natari Manik Fitra Amar Rosuli Gilang saka Maulana Herdian Nur Rahman Hikmah Indri Yani Harahap Iga Dwi Wardanah Ika Damai Sari Ilham Habibi Lubis Indah Simanjuntak Indah Tri Sari Harahap Indra Mualim Hasibuan Intan Juwita Damanik Iqbal Fahri Tobing Keisya Putri Balqis Khofifah Shofy Aulia Laura Oktarani Br Torong Lesmana, Alyatulnisa Ragil Lira Amelia Lubis, Fitrah Khairuna Ulfa Luthfiah Nazmi M. Aidil Syahputra M. Ridwan Mahlia Putri Malahayati Malahayati Malia Humaira Marlinda Mustika Marlinda Mustika Pane Marliyah Masitoh Sitorus Maulida Rahma Maura Faradita Mei Habibah Dalimunthe Melani Azzahra Nur Meutia Maulida Rahma Miftah Khoiriaturrahmah Miftah Rizki Addin Harahap Miftah Rizki Addin Hrp Muhammad Arif Muhammad Arisandi Junjungan Muhammad Luqman El Hakim Muhammad Ramadhan Muhammad Ridwan Muhammad Rizky Putra Muhammad Suhaimi MUHAMMAD YUSUF Mukhlis Mutia Salwa Hutahuruk nabilahirwani Najlah Kholilah Nasution Nasution, Alya Arianti Natasya, Fazira Putri Nesya Aulia NUR AHMADI BI RAHMANI Nuraila Rachman Nurhayati Hutagalung Nursantri Yanti Nurul Inayah Nurul Syafriani Osman Ali Piter Andrean Pratista Andanitya Siregar Putri Yuanita Rahmi Syahfitri Harahap Reza Rahmadani Ridho Erianto Risca Yunia Lestari Risky Sobari Risma Abidah Nasution Safnah Soleha Saibarani Nabila Salsabilla Siagian Sandi sipahutar Saparuddin Siregar Sauril Rahmadi Hutabarat Sekar Sari Septia Sakinah Rizki Shafa Sizli Kania Sihombing, Maya Sari Siti Khadijah Mtd Siti Nurul Atiqah Siti Sholeha Siti Zuhaira Ritonga Soleha, Safnah Suci Fadhilah R. Lubis Suhailatun Nafisah Syahputra, Reza Tambunan, Khairina Tri Wina Sabrina Triana Wahyu Syarvina Wahyudin Widia Febrianti Widia, Febrianti Yabib Fikri Rambe Yeni Yolanda Simatupang Yenni Samri Juliati Nasution Yusnita Ulfah Munthe Zidan, Muhammad Saladin