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All Journal Sosiohumaniora JAKPI Trikonomika: Jurnal Ekonomi Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam al-Uqud : Journal of Islamic Economics Madania: Jurnal Ilmu-Ilmu Keislaman Ganaya: Jurnal Ilmu Sosial dan Humaniora JOURNAL OF APPLIED ACCOUNTING AND TAXATION Edukasi Islami: Jurnal Pendidikan Islam Owner : Riset dan Jurnal Akuntansi Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Kewirausahaan dan Bisnis Jurnal Pendidikan Ekonomi (JURKAMI) MALIA JOURNAL OF SCIENCE AND SOCIAL RESEARCH Journal of Humanities and Social Studies Almana : Jurnal Manajemen dan Bisnis JURNAL MANAJEMEN BISNIS Jambura Economic Education Journal Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam MABIS: Manajemen dan Bisnis At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Bisman (Bisnis dan Manajemen): The Journal of Business and Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Ilomata International Journal of Management Lentera:Indonesian Journal of Multidisciplinary Islamic Studies JURNAL MANAJEMEN AKUNTANSI (JUMSI) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Golden Ratio of Marketing and Applied Psychology of Business Proceeding International Seminar of Islamic Studies Share: Jurnal Ekonomi dan Keuangan Islam Fikrah: Jurnal Ilmu Aqidah dan Studi Keagamaan el-Buhuth: Borneo Journal of Islamic Studies Akademika : Jurnal Pemikiran Islam Media Ekonomi Journal of Islamic Economics Lariba Inkubis: Jurnal Ekonomi dan Bisnis Jurnal Indonesia Sosial Sains Indonesia Auditing Research Journal Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Innovative: Journal Of Social Science Research Jurnal Manajemen Dan Akuntansi Medan Amkop Management Accounting Review (AMAR) Journal of Business Management and Economic Development Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi JSE: Jurnal Sharia Economica IIJSE Jurnal Akuntansi dan Keuangan Islam (JAKIs) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Penelitian Pendidikan Indonesia Journal of Accounting Law Communication and Technology Islamic Banking & Economic Law Studies Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Journal of Ekonomics, Finance, and Management Studies Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran LAN TABUR: JURNAL EKONOMI SYARIAH Outline Journal of Economic Studies As-Syirkah: Islamic Economic & Financial Journal Journal of Business Inflation Management and Accounting Studia Islamika International Journal of Economics, Science, and Education (IJESE)
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The influence of the Indonesian ulema council's fatwa on cryptocurrency on cryptocurrency use by the millennial muslim generation Nasution, Inayatul Widad; Nasution, Helvinasari; Muda, Iskandar; Soemitra, Andri; Yusrizal, Yusrizal
Indonesia Auditing Research Journal Vol. 14 No. 3 (2025): September: Auditing, Finance, IT Plan, IT Governance, Risk
Publisher : Institute of Accounting Research and Novation (IARN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/arj.v14i3.545

Abstract

This study investigates the influence of the Indonesian Ulema Council (MUI) Fatwa on cryptocurrency on the usage behavior of Muslim millennials in Indonesia. Employing a qualitative descriptive approach, data were collected through semi-structured interviews with eight respondents who actively use or are interested in cryptocurrencies. The data were analyzed using thematic analysis to identify key themes related to understanding, attitudes, and the practical impact of the fatwa. The findings reveal that most respondents are aware of the fatwa, which differentiates cryptocurrencies as haram when used as a currency and permissible as digital assets if they meet Shariah requirements, such as having underlying assets, clear benefits, and avoiding gharar, dharar, and qimar. Millennials’ responses were selective and adaptive: some abstained from using cryptocurrencies as money, while others continued investing with strategies to ensure compliance with Shariah principles. The fatwa exerts a moderate influence on usage decisions, moderated by respondents’ Shariah literacy, trust in religious authority, and pragmatic economic considerations. These findings suggest that while the MUI fatwa remains a relevant normative guideline, its effectiveness depends on the level of understanding and digital Shariah literacy among millennials. The study contributes to a better understanding of Muslim economic behavior, digital financial literacy, and the communication of religious guidance in the rapidly evolving context of fintech and digital assets.
Purchase Intention of Islamic Life Insurance among Online Motorcycle Taxi Drivers: A Technology Acceptance Model Approach Hasibuan, Affandi Al Imadi; Soemitra, Andri; Anggraini, Tuti
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol. 18 No. 1 (2026): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : Fakultas Syariah IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v18i1.14639

Abstract

Ideally, increased public awareness and the growing accessibility of digital technology should lead to higher interest in Islamic life insurance. However, in reality, the level of market penetration and purchase intention remains relatively low, particularly among online motorcycle taxi (ojek online) drivers, despite their high occupational risk. This study aims to examine the influence of trust, perceived usefulness, and perceived ease of use on the intention to purchase Islamic life insurance by applying the Technology Acceptance Model (TAM). A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) on data collected from online motorcycle taxi drivers. The findings reveal that trust and perceived ease of use have a positive and significant effect on purchase intention, while perceived usefulness also shows a positive effect, although with lower statistical significance. These results highlight that enhancing trust, simplifying service processes, and clearly communicating product benefits are critical factors in increasing the adoption of Islamic life insurance among informal sector workers.
Analisis Peran Asuransi Syariah Dalam Mendukung Pertumbuhan Ekonomi Indonesia : Systematic Literatur Riview. Anggini, Rizki; Soemitra, Andri; Qarni, Waizul
Jambura Economic Education Journal Vol 8, No 2 (2026): APRIL 2026
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jeej.v8i2.37787

Abstract

Sharia insurance in Indonesia is growing rapidly and plays an important role in the Islamic financial system and the national economy. This study aims to examine the role of sharia insurance in supporting Indonesia's economic growth from financial, social, and Islamic value perspectives. This study employs a Systematic Literature Review (SLR) method with 16 journal articles (2021-2025). The results show that sharia insurance contributes in three ways: as a risk protector stabilizing the micro-economy of households and MSMEs, as a collector and distributor of productive funds to the real sector and State Sukuk, and as a driver of financial inclusion and the achievement of SDGs. To optimize its contribution, strong governance, consistent regulations, spin-off of sharia business units, product innovation, integration with the real sector, and improved digital literacy are needed. Future research may examine linkages with MSMEs, the halal industry, and policy effectiveness.
Komodifikasi Agama dalam Bisnis Social Crowdfunding di Indonesia Al Jawi, Amin; Nurhayati, Nurhayati; Soemitra, Andri
FIKRAH Vol 11, No 1 (2023): June 2023
Publisher : Prodi Aqidah dan Filsafat Islam, Fakultas Ushuluddin, Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/fikrah.v11i1.19211

Abstract

This study aims to criticize and reconstruct the concept of commodification of religion in order to further reveal whether social crowdfunding business activities which are currently booming in Indonesia have become part of the practice of commodification of religion. This research is a qualitative research with a case study approach based on literature studies which is analyzed using data processing techniques Miles & Huberman with three stages, namely: data reduction, data display, conclusion and verifying. The results of the study found that: First, the practice of commodification of religion in social crowdfunding business activities and/or all other business activities must be viewed comprehensively (textually and contextually) from various perspectives so that mal-perceptions do not occur, because the commodification of religion is between marketing strategies, exploitation religion, and the need for religion which has positive and negative impacts according to their characteristics, in addition to the fact that discourse on religion has complexity and is multi-dimensional. Second, social crowdfunding business activities in Indonesia meet the criteria for the practice of commodification of religion, but are casuistic in nature, and do not apply generally to all fundraisers and/or managers of social crowdfunding platforms. The findings in this study are expected to place the concept of commodification of religion in business marketing as a whole, that the commodification of religion is not only a matter of religious exploitation and has a negative connotation. In order not to get caught up in religious exploitation practices, social crowdfunding businesses and all other business people must change their orientation, that business in religion (Islam) is not only about personal gain, but also about the benefit of society and the environment.
The Impact of Islamic Monetary Instruments and Islamic Social Funds on Indonesia’s Economic Growth Tambunan, Khairina; Soemitra, Andri; Harahap, Isnaini
Inkubis : Jurnal Ekonomi dan Bisnis Vol. 8 No. 1 (2026): INKUBIS Jurnal Ekonomi Dan Bisnis
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/inkubis.v8i1.227

Abstract

Background: Indonesia still faces economic development disparities, making it important to examine whether inclusive growth can be achieved through Islamic monetary instruments and Islamic social funds. This study employs Gross Domestic Product (LGDP), Bank Indonesia Sharia Certificates (LSBIS), Bank Indonesia Sharia Deposit Facilities (LFASBIS), and Zakat, Infaq, and Sadaqah (LZIS) as variables. Objective: This study aims to explore how Islamic monetary instruments and Islamic social funds affect Indonesia’s economic growth. Methods: A quantitative explanatory approach was employed using monthly data from 2017–2023 obtained from BPS, Bank Indonesia, and BAZNAS. Data were analyzed using the Vector Error Correction Model (VECM), supported by the Augmented Dickey–Fuller (ADF), Johansen cointegration, Granger causality, Impulse Response Function (IRF), and Forecast Error Variance Decomposition (FEVD) tests through EViews 11. Results: The results show sparse and predominantly unidirectional Granger causality relationships. Based on the short-run and long-run coefficients, the Islamic variables do not have a significant influence on LGDP in the short run, while LSBIS, LZIS, and LFASBIS significantly contribute to economic growth in the long run. The FEVD results indicate that LSBIS accounts for the highest percentage of variance in LGDP (23.30%), followed by LZIS (2.16%) and LFASBIS, which contributes only 0.16%. Conclusion: The results indicate that Islamic monetary instruments and Islamic social funds have weak short-term effects but strong long-run relationships with economic growth, suggesting a gradual adjustment process in Indonesia’s Islamic economic transmission mechanism, as well as the need for timely policy coordination to foster more inclusive and sustainable growth.
Women's Economic Empowerment Through Sharia Micro-Finance Institutions In Indonesia: A Qualitative Research Nawawi, Zuhrinal M; Soemitra, Andri; Dalimunthe, Mahfuzah
IQTISHADIA Vol 15, No 2 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i2.15902

Abstract

Women's empowerment has become an agenda that has recently been put forward and has become one of the essential agendas in sustainable development. One of the common problems women micro-enterprises face is the difficulty of accessing sources of capital. Islamic microfinance institutions are an alternative that can be utilized by women micro-enterprises in Indonesia to overcome the challenges in accessing business capital. This research uses a qualitative approach to study literature and in-depth interviews. The literature study was conducted by selecting relevant papers by accessing the Google Scholar database using the keywords “women empowerment” AND “Islamic microfinance” OR “Islamic microfinance”. The search time range is limited to the last 5 years, namely 2017 to 2022. The literature search results found 19 relevant papers. 4 sharia microfinance institutions are reported to run women's empowerment programs, namely sharia cooperatives, Baitul Mal Wat Tamwil, Zakat Management Organizations, and Micro Waqf Banks. The results of interviews with 20 lecturers of Islamic Economics strengthen the role of Islamic microfinance institutions in women's empowerment programs in Indonesia.
The Impact of Price Discount, Free Shipping, and Live Streaming on Consumer Purchase Intention on Tiktok Shop Salsabila, Rizka; Soemitra, Andri; Aisyah, Siti
Jurnal Kewirausahaan dan Bisnis Vol 29, No 1 (2024): June
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jkb.v29i1.87274

Abstract

Due to the rapid growth of the footwear market in Indonesia, both domestic and foreign shoe manufacturers face increasingly fierce competition. To remain competitive, shoe manufacturers must be able to innovate, especially in marketing. This research examines the impact of three independent factors, namely Price Discount, Live streaming, and Free Shipping, on consumer purchase interest in Ventela shoe products on the TikTok Shop platform among students in Medan. This research uses a quantitative approach to evaluate the theory by examining the relationship between variables. Information for research purposes was collected from respondents through questionnaires. Data was analyzed using SPSS version 29 analysis tools. The research population consists of students in Medan City who use the TikTok application and about Ventela shoe products, with a sample of 97 respondents selected through a non-probability sampling method. The questionnaire data were analyzed using multiple linear regression. This research shows that price discounts, free shipping, and live streaming have a positive or significant effect on consumer buying interest. The findings of this research provide a better understanding of the things that impact purchasing interest in terms of discounts, live streaming, and free shipping for Ventela shoe products on the TikTok Shop. These findings can help develop better marketing strategies focusing on increasing customer interest.Keywords: consumer purchase interest; footwear market competition; marketing innovation; tiktok shop strategy
Co-Authors Abd Majid, M Shabri Adnan Ahmed Usmani, Sheikh Ahmad Amin Dalimunthe Al-Mahdi Albahi, Muhammad Amin Al Jawi, Amin Amini, Salisa Anfa, Sugianto Anggini, Rizki Annisa, Sufiati Arafah, Yenni Arbanur Rasyid Arfan Harahap, Muhammad Arif, Edwin Arifin Fauzi Lubis Asmuni Asmuni Ayu Andini Azhari Akmal Tarigan Azhari Azhari Baehaqi Batubara, Maryam Batubara, Zulfa Khairina Bi Rahmani, Nur Ahmadi Budi Harianto Cahyadi, Rahmad Chaniago, Alia Chuzaimah Batubara, Chuzaimah Citra Pratiwi Daulay, Suci Dalimunthe, Mahfuzah Desi Ika Dewi, Nurul Aulia Dharma, Budi Elida Elfi Barus, Elida Elfi Firdaus, Rayyan Fitrah, Al Tasya Fitri Fitri Kurniawati fitri, yona Gultom, Mitra Sami Hakim Siregar, Lukmanul Hamdani Hamdani Hanif, Hilman Hanum, Fadillah Harahap, Minta Ade Doliana Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harahap, Raja Sakti Putra Harroni, Jum Harsono, Muhammad Hasibuan, Affandi Al Imadi Hasibuan, Faisal Umardani Hasibuan, Fauzan Fahmi Hasibuan, Maisyah Khairani Hidayat, Ryan Hutagalung, Muhammad Wandisyah R Imahda Khoiri Furqon Imsar Imsar, Imsar Indah Pratiwi Indradewa, Rhian Iskandar Muda Ismail Ismal, Rifky Isnaini Harahap Iwandi, Iwandi IZZAH, NURUL Jamila, Khaidar Rahmaini Juliana Nasution Julita Julita Kamal, Jaidil Kamaruddin Kamaruddin Kausar, Al Khaidir, Widya Khairani br Tambunan, Adila Kusuma, Annisa Ayu Latip, Abd Lestari, Putri Indah Lubis, Delima Sari Lubis, Fitri Yani Lubis, Muhammad Ershad M. Shabri Abd. Majid Mahyudin Mahyudin Manik, Alfia Rahman Marliyah Marliyah, Marliyah Muhammad Arif Muhammad Ramadhan Muhammad Ridwan MUHAMMAD RIZAL muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Umar Maya, Putra Muhammad Yafiz Mutthaqin, M. Satrya Nadia Nadia Nadia Nafil, Herwan Nainggolan, Laila Mardiyah Nasution, Eldzan Izzahara Nasution, Hasbi Andika Nasution, Helvinasari Nasution, Inayatul Widad Nasution, Najlah Kholilah Nawir Yuslem Nawir Yuslem, Nawir Noor, Mohd Novi Purnama Sari Nura, Ismail Nurhayati Nurhayati Nurhayati, Nurhayati Nurhayati, Sucinta Tri Nurjianti, Widya Nurlaila Nurlaila Nurlaila Nurul Jannah Puspita Sari, Dira Putri, Dinda Clarita Wirani Qarni, Waizul Rahma, Tri Inda Fadhila Rahma, Tri Indah Fadhila Rahmani, Nur Ahmadi Bi Ramadhani, Devi Ramadhani, Sri Ramdansyah Fitrah Reza Nurul Ichsan Rifani, Devi Ritonga, Nurul Amelia Pratiwi Rizki, Oktavera Rizky Aditya Sakti Putra Harahap, Raja Salsabila, Rizka Saragih, Hari Setiawan SEGATI, AHDA Shifa, Mutiara Simamora, Siti Anisa Simbolon, Linda Rosalina Siregar, Dhetia Putri Siregar, Tetty Handayani Siti Aisyah Soehardi, Dwi Vita Lestari Soemitra, Yusrizal Sugianto Sugianto Sugiyanto - Sukiman Sukiman Sukma, Novita Riyati Susanti, Widya Susanty, Widya Syahputra, Angga Syawal Harianto, Syawal Tambunan, Khairina Tanjung, Intan Sari Tuti Anggraini Wahyu Syarvina Wahyudi, Rizky Widjiantoro, Surya Tegar Yuda Bakti, I Gede Mahatma Yusrizal Zainal Arifin Zuhrinal M. Nawawi Zulkarnaen Zulkarnaen