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All Journal IJoASER (International Journal on Advanced Science, Education, and Religion) JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI) JURNAL EKSBIS Journal of Management and Leadership Jurnal Ekuivalensi Jurnal Al-Qiyam Jurnal Tana Mana Jurnal Ekonomi Bisnis dan Akuntansi Robust: Research of Business and Economics Studies Al-Iftah: Journal of Islamic studies and society JURNAL EKONOMI BISNIS DAN MANAJEMEN Journal Markcount Finance Gudang Jurnal Multidisiplin Ilmu Jurmas Azam Insan Cendikia Jurnal Ekonomi Bisnis dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Malacca: Journal of Management and Business Development Jurnal Kajian Ekonomi dan Perbankan Syariah Hasina: Jurnal Akuntansi dan Bisnis Syariah Mauriduna: Journal of Islamic Studies HISAB: Jurnal Akuntansi Lembaga Keuangan Syariah Mappideceng:Jurnal Ekonomi Syariah TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah
Desy Arum Sunarta
STAI DDI Pinrang
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Public Health Social Sciences Other

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Analisis Pelaksanaan Program Keluarga Harapan (PKH) dalam Meningkatkan Kesejahteraan Keluarga Penerima Manfaat di Desa Massewae Kecamatan Duampanua Kabupaten Pinrang (Perspektif Ekonomi Islam) Nurfadilah; Desy Arum Sunarta; Rasyidah Bulqis
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 2 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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Abstract

Poverty is a major challenge in development, including in Massewae Village, Duampanua District, Pinrang Regency. The Family Hope Program (PKH) is here as an effort to overcome this problem by providing financial assistance to underprivileged families. However, the distribution of assistance still experiences obstacles that require attention so that it is right on target. This study aims to analyze the effectiveness of PKH implementation in Massewae Village and its compliance with Islamic economic principles. Qualitative descriptive methods are used with observation, interview, and documentation techniques. The research subjects include recipients, assistants, PKH leaders, and related parties in program implementation.The results of this study indicate that: 1) The implementation of PKH has a positive impact on improving welfare, especially in health, education, and social aspects. However, there are still negative impacts in the form of dependence on aid. 2) Based on the perspective of Islamic economics, PKH in Massewae Village has reflected the principles of monotheism and balance, but still faces challenges in terms of the principles of caliphate and distribution justice.
Analisis Produktvitas Dana Zakat Melalui Program Bedah Rumah di BAZNAS Kab. Pinrang Nurul Ismayanti; Desy Arum Sunarta; Andi Bisyriani
Mappideceng:Jurnal Ekonomi Syariah Vol 2 No 2 (2025): Mappideceng: Jurnal Ekonomi Syariah
Publisher : STAI DDI Pinrang

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Abstract

Zakat has an important role in economic and social aspects. On the one hand, zakat helps reduce poverty and fosters social awareness for the rich. On the other hand, zakat prevents the accumulation of wealth in a handful of people. Therefore, the role of the Zakat Agency is very much needed so that its distribution is right on target. This study aims to analyze the productivity of zakat funds through the house renovation program by BAZNAS Pinrang Regency. This type of research is descriptive qualitative with observation, interview, and documentation techniques for beneficiaries. The results of the study show that zakat funds are distributed through field parties who work together with BAZNAS, then organize the implementation of house renovation. Supporting factors of the program include a) Availability of definite funds, b) Transparency in reporting, and c) Good coordination between parties. While the inhibiting factors encountered are time issues, such as delays in the process of building houses for aid recipients.
Foreign Exchange Transactions (Sharf) in the Perspective of Fiqh Muamalah: Between Classical Traditions and the Challenges of the Contemporary Global Economy Syaripuddin, Syaripuddin; Sunarta, Desy Arum; Mashuri, Arif; Mulyawan, Andi Wawan; Khaeriyah, Hamzah; Wijaya, Abdi
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1119

Abstract

The rapid development of the global economy has increased the need for foreign exchange (Sharf) transactions across individuals, financial institutions, and nations. However, concerns about the permissibility of foreign exchange transactions from the perspective of Islamic law (fiqh muamalah) have become increasingly relevant. This study examines the sharia principles governing Sharf transactions, focusing on the application of fiqh muamalah to both classical and contemporary foreign exchange practices, particularly those involving digital technology. The research employs a descriptive qualitative method through a literature-based approach, exploring the views of classical and contemporary scholars, and analyzing the role of fatwas in ensuring compliance with sharia principles. The findings reveal that foreign exchange transactions must fulfill requirements such as immediate mutual exchange (taqabudh fi al-majlis) and avoid elements of usury (riba), uncertainty (gharar), and gambling (maysir). In the digital era, new challenges have emerged with the rise of financial instruments such as forex margin trading and cryptocurrency, requiring adaptive legal interpretations within the framework of fiqh muamalah to maintain sharia compliance. Thus, contemporary ijtihad and fatwas from sharia financial authorities are essential in guiding technology-based foreign exchange transactions to remain within Islamic legal boundaries.
STRATEGI GAMIFIKASI DALAM MENINGKATKAN LITERASI KEUANGAN SYARIAH GENERASI Z: KAJIAN LITERATUR TERINTEGRASI Riski Apriliani; Desy Arum Sunarta; Rasyidah Bulqis; Andi Bisyriani
TAKAFUL : Jurnal Ekonomi Dan Perbankan Syariah Vol. 1 No. 2 (2025): TAKAFUL: Jurnal Ekonomi Dan Perbankan Syariah
Publisher : LPPM IAI Dar Aswaja Rokan Hilir

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Abstract

This study explores the potential of gamification as an adaptive educational strategy to improve Islamic financial literacy among Generation Z learners. Drawing upon key theories from educational psychology, Islamic pedagogy, and digital learning design, this research aims to synthesize conceptual frameworks and empirical findings through an integrative literature review approach. A comprehensive review of forty-three academic sources from 2013 to 2024 was conducted using databases such as Scopus, Web of Science, and ScienceDirect. Thematic coding and comparative analysis were applied to identify core mechanisms of gamification—such as points, badges, leaderboards, and adaptive challenges—and evaluate their alignment with Generation Z’s digital engagement preferences. The findings show that gamification significantly enhances learner motivation, behavioral change, and ethical comprehension when designed with cultural and religious sensitivity. Specific applications in Islamic finance education demonstrate increased retention, improved decision-making, and value alignment. The study concludes that gamified tools, if integrated with Islamic ethics and local wisdom, can bridge the gap between traditional Islamic education and digital learning expectations. These results suggest a new pedagogical direction for educators and policy-makers aiming to cultivate financial literacy in Muslim youth through interactive, ethical, and technology-enhanced learning environments.
Strengthening Halal Industry MSMEs through Islamic Financing: A Triple Helix Ecosystem Perspective Desy Arum Sunarta; Lestari Daswan; Riski Apriliani; Nurfadilah Maulana S; Amalia S Tapparang
Mauriduna : Journal of Islamic Studies Vol. 7 No. 2 (2026): Mauriduna : Journal of Islamic Studies, May 2026
Publisher : Institut Muslim Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/mauriduna.v7i2.180

Abstract

Islamic financing has become a critical mechanism for strengthening halal micro, small, and medium enterprises (MSMEs), particularly within the expanding Islamic economic landscape. However, prior studies tend to examine Islamic financing, halal MSMEs, and institutional collaboration separately, leaving a gap in understanding their integrated role within a unified ecosystem. This study addresses this gap by analyzing the role of Islamic financing in supporting halal MSMEs through the Triple Helix framework, which highlights the interaction among government, industry, and academia. Employing a qualitative systematic literature review, this study synthesizes evidence from peer-reviewed research on Islamic finance, halal industry development, and collaborative governance. The findings demonstrate that Islamic financing contributes to MSME performance not only through improved access to ethical financial resources but also through the synergy of regulatory support, financial innovation, and knowledge development. Government ensures regulatory clarity and infrastructure, Islamic financial institutions provide sharia-compliant and digital financing solutions, while academia enhances financial literacy and innovation capacity. This study argues that the effectiveness of Islamic financing is contingent upon the integration of these institutional roles within a cohesive ecosystem. The contribution of this research lies in offering an integrative conceptual framework that links Islamic financing with the Triple Helix model, providing strategic insights for strengthening sustainable halal MSME development and advancing inclusive Islamic economic systems.
Co-Authors A. Nur Hazizah A. Rio Makkulau Wahyu Abbas, Subhan Akbar Abdi Wijaya, Abdi Agung Prasetya Aini Yasih Darwin Alamsyah Alamsyah Agit Alon, Frances Amalia S Tapparang andi bisyriani Andi Wawan Mulyawan, Andi Wawan Barra, Lie Bulqis, Rasyidah Catherine, Sarkissian Darwis, Aswinda Dylan, Moatti Dzulkifli, Dzulkifli H Hasmawati Hamzah Khaeriyah Jamaluddin Majid Jasnita Jasnita Lestari Daswan Mahsyar, Mahsyar Mardia Mardia Mardia Mardia Mashuri, Arif Maulana S, Nurfadilah Mukhtar Lutfi Mukhtar S, Muhammad Mustamin B Mustamin B Nelia Sfayriawati Nelia Syafriawati Nelia Syafriawati Niva, Matteson Novianti, Dian Nur Hasmi H Nurfadilah Nurfadilah Maulana Nurfadilah Maulana S Nurul Ismayanti Oktavianty Oktavianty Rachmadana Ramadhaningsih, Dwi Rasyidah Bulqis Rika Riski Apriliani Riski Apriliani Riski Apriliani Riski Apriliani Riza Syaripuddin Siradjuddin Sitti Mulyana Sri Wahyuni Sudirman, Muh. Sajjaj Syaripuddin Syaripuddin Syaripuddin Tapparang, Amalia S Usmayani, Ilham Putra Wahyuni