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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) SALAM: Jurnal Sosial dan Budaya Syar-i Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah el hisbah: Journal of Islamic Economic Law
Richa Angkita Mulyawisdawati, Richa Angkita
STAI Al-Muhsin Krapyak Yogyakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisa Mekanisme Pasar Kalangan Pada Masyarakat Islam Melayu Di Kecamatan Gandus Palembang Meriyati, Meriyati; Choiriyah, Choiriyah; Mulyawisdawati, Richa Angkita
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 7, No 2 (2020)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v7i2.14700

Abstract

AbstractThe market is a mechanism of exchange of products in the form of goods and services that are natural and have been going on since the beginning of human civilization. Islam places the market at an important position in the economy, a meeting place between sellers and buyers and transactions of goods or services, is a natural mechanism of exchange of goods and services and has been going on since the beginning of human civilization. In Islam the market is very important in the economy. The market had taken place during the time of the Messenger of Allah and Khulafaur Rashidin and became the sunatullah that had lived for centuries.Keywords: Mechanism, Market, Malay Islam AbstrakPasar adalah sebuah mekanisme pertukaran produk baik berupa barang maupun jasa yang alamiah dan telah berlangsung sejak peradaban awal manusia. Islam menempatkan pasar pada kedudukan yang penting dalam perekonomian, tempat bertemunya antara penjual dan pembeli dan melakukan transaksi barang atau jasa, merupakan sebuah mekanisme pertukaran barang dan jasa yang alamiah dan telah berlangsung sejak awal peradaban manusia. Dalam Islam pasar sangatlah penting dalam perekonomian. Pasar telah terjadi pada masa Rasulullah dan Khulafaur Rasyidin dan menjadi sunatullah yang telah dijalani selama berabad-abad.Kata Kunci: Mekanisme, Pasar Kalangan, Islam Melayu
Strategi Bisnis Hotel Syariah dalam Mencegah Perilaku Disosiatif: Studi di Hotel Family Syariah 2 Yogyakarta Hurriyatul Alawiyah Hasan, Fanny Faizah; Fauzi, Yayan; Mulyawisdawati, Richa Angkita
el hisbah Journal of Islamic Economic Law Vol 4 No 1 (2024)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbah.v4i1.7790

Abstract

The hotel business often faces negative stigma due to public perception that associates it with deviant behavior from social norms, such as prostitution, drug abuse, and other activities that are morally and socially detrimental. Hotels are often viewed as potential spaces for such dissociative actions to occur. This study aims to analyze the business management system of Hotel Family Syariah 2 Yogyakarta and evaluate the strategies implemented to suppress the potential for deviant behavior in the hotel environment. This study uses a qualitative approach with a case study method. Data collection was carried out through observation, in-depth interviews with hotel management, and documentation. Data analysis was carried out descriptively qualitatively with an interactive approach using the Miles and Huberman model. The results of the study indicate that the application of sharia-based management principles has a significant role in creating a conducive, safe, and Islamic hotel environment. This strategy also contributes to building a positive image of the hotel in the community. One form of implementation of the sharia principles is the verification process for guests who stay, to ensure compliance with sharia provisions. In addition, the hotel also provides representative prayer facilities for Muslim guests as a form of support for their spiritual needs. The implementation of services based on sharia values ​​reflects management's commitment to creating a hotel environment that is not only comfortable, but also free from the potential for dissociative behavior.
Pattern of Sharia Compliance In KSPPS In Pekalongan City (Analysis of Constraints And Solutions To The Deed of Financing) Tarmidzi, Tarmidzi; Inayati, Anindya Aryu; Mulyawisdawati, Richa Angkita; Yaqin, Alamul
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 2 (2025): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 2
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i2.1184

Abstract

This research aims to find out, how is Sharia Compliance KSPPS in Pekalongan City, and the factors causing it in Pekalongan City? The method and approach in this study is a qualitative approach. The qualitative approach is an approach method by capturing social phenomena in the community to be further described in the form of a narrative by revealing the results of the arrests as they are. The results of this research are as follows: first; Sharia compliance discusses the entire process starting from socialization, distribution or application to completion of settlement, in general it has implemented compliance in accordance with sharia principles, although some aspects have not been met. Second; There are patterns of sharia non-compliance from a number of instruments in financing at KSPPS based on three patterns of influence, a) educational perspective: DPS at KSPPS in Pekalongan City still do not have a DPS certificate, customers or members who do not understand and understand clearly related to contracts in sharia financing, managers who do not have an understanding of sharia (muamalah). b) rational perspective: conventional banking facilities and technology are more sophisticated when compared to Islamic banks, the non-applicability of reporting systems and profit sharing in accordance with Islamic principles and Islamic accounting, because they are considered too complicated and difficult for customers. c) the emotional perspective of Muslims who make choices in KSPPS for religious reasons is still small compared to rationality reasons, so they choose conventional banks.
THE IMPACT OF FINANCIAL RATIO INDICATORS ON PROFITABILITY IN SHARIA BANKS IN INDONESIA PERIOD 2019-2023 Mulyawisdawati, Richa Angkita; Khoiriyah, Lu'luatul; Inayati, Anindya Aryu; Imtihanah, Ani Nurul
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 11 No 1 (2025): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Ag
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i1.1572

Abstract

This study aims to analyze the impact of financial ratios on the profitability of Sharia banks in Indonesia during the period 2019–2023. The financial ratios used in this research include Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO), and Net Operating Margin (NOM). Profitability is measured by Return on Assets (ROA). The research method employed is a quantitative approach with panel data analysis using secondary data obtained from the annual financial reports of Sharia Commercial Banks published by the Financial Services Authority (OJK). The results of the partial research (t-test) indicate that the CAR, FDR and NOM variables have positive and significant effect on profitability (ROA). Meanwhile, the NPF and BOPO variables do not have a significant effect on ROA.
Inclusive Development and the Islamic Economic Paradigm: Unveiling Structural and Epistemic Injustices in Indonesia Inayati, Anindya Aryu; Pratama, Agung Barok; Faristiana, Andhita Risko; Mulyawisdawati, Richa Angkita
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.46359

Abstract

Inclusive economic development is a constitutional mandate aimed at achieving economic democracy, social justice, and public welfare. However, these goals are often hindered by structural barriers and dominant perspectives that marginalize vulnerable groups. This article analyzes how structural and epistemic injustices shape inclusive development in Indonesia through the lens of the Islamic economic paradigm. Using a qualitative-descriptive approach grounded in policy documents, legal texts, and critical literature, this study employs thematic analysis. The findings show that development policies tend to prioritize elite capital accumulation and large-scale projects, while neglecting the voices and local knowledge of marginalized communities. By integrating the ethical values of ‘adl, maṣlaḥah, and ta‘āwun, with epistemological critique, this article argues that genuine inclusivity requires not only institutional reform or Islamic philanthropy, but also participatory governance and the rethinking of dominant perspectives. Keywords: inclusive development; epistemic injustice; islamic economic paradigm; structural injustice   Abstrak Pembangunan ekonomi inklusif merupakan amanat konstitusi untuk mewujudkan demokrasi ekonomi, keadilan sosial, dan kesejahteraan masyarakat. Namun, praktik pembangunan kerap dibatasi oleh struktur dan cara pandang dominan yang meminggirkan kelompok rentan. Artikel ini menganalisis ketidakadilan struktural dan epistemik dalam pembangunan inklusif di Indonesia melalui paradigma ekonomi Islam. Dengan pendekatan kualitatif-deskriptif dan analisis tematik terhadap dokumen kebijakan, teks hukum, dan literatur kritis, penelitian menunjukkan bahwa kebijakan pembangunan masih berorientasi pada kepentingan elite dan proyek berskala besar, serta mengabaikan suara kelompok rentan. Dengan mengintegrasikan nilai-nilai adl, maṣlaḥah, dan ta‘āwun, artikel ini menegaskan bahwa inklusivitas sejati menuntut reformasi kelembagaan, tata kelola partisipatif, serta peninjauan ulang cara berpikir dominan. Kata kunci: pembangunan inklusif; ketidakadilan epistemik; paradigma ekonomi islam; ketidakadilan struktural
Co-Authors Andhita Risko Faristiana Anindya Aryu Inayati Choiriyah Choiriyah Hurriyatul Alawiyah Hasan, Fanny Faizah Imtihanah, Ani Nurul istiqomah istiqomah Khoiriyah, Lu'luatul Meriyati Meriyati Mufti Afif Nurwijayanti Pratama, Agung Barok Yaqin, Alamul Yayan Fauzi, Yayan