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All Journal Jurnal Pendidikan Sosiologi dan Humaniora Jurnal Mirai Management DIKTUM: Jurnal Syariah dan Hukum AL-MAIYYAH Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Istiqro' Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Jurnal Hukum Ekonomi Syariah Journal on Education Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Review Pendidikan dan Pengajaran (JRPP) Ulumuddin : Jurnal Ilmu-ilmu Keislaman Jurnal Riset Bisnis dan Manajemen Journal of Economic, Public, and Accounting (JEPA) Jurnal Ilmu Manajemen Profitability Al-MAIYYAH : Media Transformasi Gender dalam Paradigma Sosial Keagamaan Economics and Digital Business Review El-kahfi : Journal of Islamic economics International Journal of Health, Economics, and Social Sciences (IJHESS) SOCIAL : Jurnal Inovasi Pendidikan IPS Jurnal Ar-Ribh Jurnal Ekonomi dan Bisnis INVOICE : JURNAL ILMU AKUNTANSI Transekonomika : Akuntansi, Bisnis dan Keuangan Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat Banco: Jurnal Manajemen dan Perbankan Syariah Balanca : Jurnal Ekonomi dan Bisnis Islam Golden Ratio of Data in Summary DIKTUM: JURNAL SYARIAH DAN HUKUM Moneta: Jurnal Manajemen & Keuangan Syariah Economos : Jurnal Ekonomi dan Bisnis Ekalaya : Jurnal Ekonomi Akuntansi Al Rikaz : Jurnal Ekonomi Syariah RESLAJ: Religion Education Social Laa Roiba Journal Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan JER Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Islamic Financial And Accounting Review HUKUM EKONOMI ISLAM Jurnal of Islamic Economic Studies Balance: Jurnal Ekonomi
Syahriyah Semaun, Syahriyah
Institut Agama Islam Negeri Parepare
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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Analisis Deskriptif Kebijakan Pendanaan dalam Manajemen Keuangan Syariah Jumaini. S, Jumaini. S; Semaun, Syahriyah
Jurnal Ekonomi dan Bisnis Vol 17 No 1 (2025): JEB Vol 17 No 1 Januari 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Port Numbay Jayapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55049/jeb.v17i1.386

Abstract

Penelitian ini membahas kebijakan pendanaan dalam manajemen keuangan syariah dengan fokus pada biaya ekuitas dan biaya utang. Sistem keuangan syariah berlandaskan prinsip larangan riba, gharar, dan maysir, yang membedakannya dari keuangan konvensional. Dalam keuangan syariah, pembiayaan berbasis ekuitas melalui mekanisme seperti mudharabah dan musyarakah menjadi alternatif utama, di mana pembagian keuntungan dan kerugian dilakukan secara adil. Penelitian ini juga mengkaji modifikasi model Capital Asset Pricing Model (CAPM) dalam investasi syariah, dengan mengganti tingkat bebas risiko (risk-free rate) berbasis bunga dengan imbal hasil sukuk sebagai alternatif yang halal. Hasil penelitian menunjukkan bahwa biaya ekuitas dalam keuangan syariah lebih dipengaruhi oleh risiko bisnis murni dan etika investasi, sementara biaya utang lebih berkaitan dengan margin keuntungan dari kontrak-kontrak berbasis syariah seperti murabahah dan ijarah. Selain itu, investasi berbasis syariah cenderung memiliki risiko sistematis yang lebih rendah karena menghindari sektor-sektor berisiko tinggi seperti perjudian dan alkohol. Kesimpulannya, keuangan syariah menawarkan struktur pendanaan yang etis dan berkelanjutan, yang dapat mendorong stabilitas keuangan dan kesejahteraan masyarakat.
Pengaruh Strategi Penetapan Harga terhadap Minat Beli Konsumen Di Matahari Department Store Makassar (Analisis Etika Bisnis Islam) Syahriyah Semaun; Darwis Darwis
Jurnal Hukum Ekonomi Syariah Vol 4, No 01 (2020): JURNAL HUKUM EKONOMI SYARIAH (JUNI 2020)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v4i01.2550

Abstract

Studi ini bertujuan mengetahui apakah variabel skimming pricing dan penetration pricing dalam strategi penetapan harga berpengaruh terhadap minat beli konsumen di PT. Matahari Department Store Makassar. Kajian ini menggunakan pendekatan kuantitatif. Populasi penelitian adalah pelanggan di Matahari Department Store Makassar, hipotesis diuji dengan  analisis regresi linier berganda. Hasil uji t menunjukkan terdapat pengaruh variabel skimming pricing terhadap minat beli konsumen di Matahari  Department Store dan tidak terdapat pengaruh variabel penetration pricing dan terhadap minat beli konsumen di Matahari  Department Store. Uji regresi linier berganda diperoleh persamaan Y=9,503 + 0,482X1 + 0,063X2 yang menunjukkan bahwa variabel dominan berpengaruh terhadap minat beli konsumen di Matahari  Department Store adalah variable skimming pricing dengan nilai koefisien regresi sebesar 0,482X1
Analisis Perilaku Konsumen dalam Pembelian Produk Farmasi Halal di Kota Parepare Sri Fatimah Rahmatillah; Syahriyah Semaun; Andi Bahri S; Darmawati Darmawati; Muzdalifah Muhammadun
Jurnal Hukum Ekonomi Syariah Vol 8, No 1 (2024): Juni 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v8i1.13730

Abstract

Farmasi halal merupakan salah satu produk konsumsi dengan tingkat urgensi yang tinggi dalam kehidupan masyarakat muslim. Namun, masih sangat sedikit studi empiris yang menganalisis perilaku konsumen dalam pembelian produk farmasi halal di Indonesia. Penelitian ini bertujuan mengetahui faktor-faktor yang mempengaruhi keputusan konsumen dalam membeli produk farmasi halal, menggunakan teori perilaku konsumen yang terdiri dari variabel sosial, pribadi, psikologis, dan keputusan pembelian, serta mengkaji relevansi antara perilaku pembelian konsumen dengan implementasi maqashid syari’ah dalam berkonsumsi. Dengan menggunakan metode kuantitatif, penelitian ini mengambil data primer dari hasil kuisioner pada 100 muslim Kota Parepare dan dianalisis menggunakan metode SEM-PLS dengan program SmartPls 4.0. Hasil Penelitian menunjukkan bahwa: (1) faktor sosial berpengaruh positif dan signifikan terhadap keputusan pembelian produk farmasi halal, dibuktikan dari path coefficients sebesar 0,296 dan nilai signifikansi 0,0120,05 ; (2) faktor pribadi berpengaruh positif dan signifikan terhadap keputusan pembelian produk farmasi halal, dibuktikan dari path coefficients sebesar 0,190 dan nilai signifikansi 0,0470,05; (3) faktor psikologis berpengaruh positif dan signifikan terhadap keputusan pembelian produk farmasi halal, dibuktikan dari path coefficients sebesar 0,470 dan nilai signifikansi 0,0000,05; (4) Seluruh variabel eksogen memenuhi maqashid syari’ah, artinya faktor sosial, pribadi, dan psikologis dalam mempengaruhi perilaku pembelian konsumen telah mengimplementasikan unsur-unsur maqashid syari’ah dalam kegiatan konsumsinya.
The Role of Zakat in the Islamic Economy: A Case Study on Zakat Literacy in Parepare, Indonesia Alifkah, Ayu; Hannani, Hannani; Damirah, Damirah; Semaun, Syahriyah; Bahri, Andi
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 2 (2025): AGUSTUS 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/9jdt6f62

Abstract

Zakat is not only an act of worship to Allah but also a vital instrument for enhancing social welfare when managed effectively. In Ajatappareng, the potential for zakat is substantial; however, actual collections have yet to meet targeted levels. This shortfall is largely attributed to limited understanding and awareness among potential payers. This study aims to examine the collaborative governance process in zakat management by BAZNAS Ajatappareng. The research adopts the collaborative process framework of Ansell and Gash, which includes four dimensions: initial conditions, leadership, institutional design, and collaborative process. A qualitative phenomenological approach was employed, with data collected through observation, interviews, and supporting documents. Informants were selected via purposive sampling, and data analysis followed three stages: reduction, presentation, and conclusion drawing. Findings indicate that while BAZNAS Ajatappareng has engaged in collaborative efforts with multiple stakeholders, certain aspects particularly human resource capacity and impact assessment remain suboptimal. The study recommends adopting best practices from other BAZNAS branches with proven success in zakat collection to strengthen future collaborative strategies.
Analysis of BAI' Muzayadah in the Auction of Collateral Items at the State Property and Auction Services Office (KPKNL) Imamah, Ayu Nur; Semaun, Syahriyah; Muliati, Muliati; Islamulhaq, Islamulhaq; Bahri, Andi
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 2 (2025): AGUSTUS 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/qm3hmb84

Abstract

This study analyzes Bai’ Muzayadah in the auction of collateral assets at KPKNL Parepare. The objective of this research is to examine the implementation of collateral asset auctions at KPKNL Parepare based on the principles of Bai’ Muzayadah in Islamic economics and the collateral asset auction system from the perspective of Islamic economic law.  The research employs a descriptive qualitative method, categorized as field research. Data sources include primary data obtained through direct interviews at KPKNL Parepare and secondary data such as books, journals, and articles relevant to the topic. Data analysis techniques involve data collection, data reduction, data presentation, and conclusion drawing. The validity of the data is tested using source triangulation, technique triangulation, and time triangulation. The findings indicate that (1) the implementation of collateral asset auctions at KPKNL Parepare, from the perspective of Islamic economics, utilizes internet-based methods (e-auction) through open bidding and closed bidding systems. These systems incorporate mechanisms such as security deposits and minimum bidding limits. (2) The application of Islamic economic principles, including justice, transparency, and voluntary agreements in the auction process, aligns with the principles of transparency, legal certainty, and efficiency. Auction announcements are made via the website and leaflets. The auction process is conducted thoroughly to minimize errors, beginning with the preparation stage, auction determination, payment of participants’ security deposits, and the transfer of ownership or auction minutes as legal proof for the winning bidder. These practices are consistent with Islamic economic law principles and aim to promote societal welfare.
PERSEPSI PEGAWAI NEGERI SIPIL KEMENTERIAN AGAMA PADA PRODUK BANK SYARIAH DAN RELEVANSINYATERHADAP INKLUSI KEUANGAN DI KABUPATEN PANGKEP Murhim, Murhim; Semaun, Syahriyah; Haq, Islamul
SOCIAL : Jurnal Inovasi Pendidikan IPS Vol. 5 No. 3 (2025)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia (P4I)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/social.v5i3.6941

Abstract

The purpose of this article is to analyse the perceptions of civil servants at the Ministry of Religious Affairs towards Islamic banking products available in Pangkep Regency. The research method used in this study is qualitative. The type of research used is field research. The study's results indicate that, despite facing challenges such as strict bureaucracy, limited understanding among informants, and potential social bias in responses, civil servants at the Ministry of Religion in Pangkep Regency hold positive perceptions of Islamic banking products. However, despite these limitations, the interview results indicate an appreciation for Sharia principles, product transparency, and the commitment of Islamic banks to provide financial services that align with Islamic values. This study not only enriches the scientific knowledge on civil servants' perceptions of Islamic financial products but also serves as a positive foundation for improving financial literacy, encouraging more responsive product innovation, and strengthening the role of Islamic banks as ethically based financial inclusion instruments. With a wise and cautious approach, the author hopes that these findings can contribute meaningfully to the sustainable development of the Islamic economy in Indonesia. ABSTRAKTujuan dari artikel ini adalah untuk menganalisis persepsi Pegawai Negeri Sipil di Kementerian Agama terhadap produk bank syariah yang tersedia di Kabupaten Pangkep. Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif. Jenis penelitian yang digunakan adalah penelitian lapangan atau Field Research. Hasil penelitian menunjukkan bahwa; persepsi Pegawai Negeri Sipil di Kementerian Agama Kabupaten Pangkep terhadap produk bank syariah, meskipun dihadapkan pada tantangan birokrasi yang ketat, keterbatasan pemahaman informan, dan potensi bias sosial dalam jawaban. Namun, di balik keterbatasan tersebut, hasil wawancara menunjukkan adanya apresiasi terhadap prinsip syariah, transparansi produk, dan komitmen bank syariah dalam menyediakan layanan keuangan yang sesuai dengan nilai-nilai Islam. Penelitian ini tidak hanya memperkaya khazanah ilmiah tentang persepsi PNS terhadap produk keuangan syariah, tetapi juga menjadi dasar positif untuk meningkatkan literasi keuangan, mendorong inovasi produk yang lebih responsif, serta memperkuat peran bank syariah sebagai instrumen inklusi keuangan berbasis etika. Dengan pendekatan yang bijak dan penuh kehati-hatian, penulis berharap temuan ini dapat memberi kontribusi nyata bagi pengembangan ekonomi syariah yang berkelanjutan di Indonesia.  
Disorientasi Moral sebagai Tantangan Etika Bisnis dalam Transformasi Ekonomi Digital lukman, nurhidaya; Syahriyah Semaun
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 7 (2025): Edisi Khusus Perbankan (Juli)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i7.14141

Abstract

ABSTRAK Transformasi ekonomi digital telah menciptakan peluang besar dalam dunia bisnis, namun juga menimbulkan tantangan etis yang signifikan, salah satunya adalah disorientasi moral. Fenomena ini menggambarkan situasi ketika pelaku bisnis kehilangan kejelasan dalam membedakan tindakan yang etis dan tidak etis akibat tekanan sistem digital yang cepat dan kompleks. Dalam konteks Indonesia, percepatan digitalisasi belum sepenuhnya diiringi dengan penguatan nilai moral dan regulasi yang adaptif, sehingga memunculkan risiko penyimpangan etika dalam praktik bisnis digital. Studi ini bertujuan untuk menganalisis disorientasi moral dalam ekonomi digital dan mengeksplorasi kontribusi prinsip-prinsip etika bisnis syariah sebagai pendekatan alternatif untuk mengatasi tantangan tersebut. Melalui studi literatur yang komprehensif, artikel ini menemukan bahwa integrasi nilai-nilai Islam dalam etika bisnis digital dapat menjadi fondasi penting bagi pembangunan ekosistem digital yang berkeadilan, transparan, dan bertanggung jawab secara sosial. Kajian ini memberikan kontribusi teoritis dalam memperkaya diskursus etika bisnis kontemporer serta implikasi praktis dalam perumusan kebijakan bisnis digital berbasis nilai.
Pillars of Performance Improvement of Bawaslu Sidenreng Rappang Through Budget Accountability and Transparency Wahyuni, A; Semaun, Syahriyah; Muhammadun, Muzdalifah; Damirah, Damirah; Frihatni, Andi Ayu
Invoice : Jurnal Ilmu Akuntansi Vol. 7 No. 2 (2025): September 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/5gq6e415

Abstract

This study aims to analyze the effect of accountability and transparency on the performance of Bawaslu Sidrap in managing the 2024 election budget. The research employs a quantitative descriptive approach with an associative design. The population includes all employees of Bawaslu Sidenreng Rappang Regency involved in the 2024 general election, and data were collected through questionnaires distributed via Google Forms. The results indicate that accountability achieved 77%, transparency 74%, and performance 74%, exceeding the expected value of 65%. Correlation analysis demonstrates that both accountability (X1) and transparency (X2) have a strong and significant relationship with Bawaslu performance (Y), with Pearson correlation coefficients of 0.679 and 0.722, respectively. The t-test shows that accountability significantly influences performance (p = 0.028 < 0.05), whereas transparency does not show a significant effect (p = 0.62 > 0.05). The F-test results confirm that accountability and transparency simultaneously have a significant effect on performance, suggesting that the variables complement each other when assessed together. These findings underscore the importance of strengthening accountability mechanisms to enhance Bawaslu’s effectiveness in managing election budgets. Although transparency supports good governance, its independent effect on performance is limited. Therefore, integrated strategies focusing on accountability improvement are essential to optimize institutional performance and ensure credible and efficient budget management.
Bibliometric Mapping of Islamic Green Economy Research: Trends, Networks, and Emerging Themes Ainul Fatha Isman; Syahriyah Semaun; Muh. Ahsan Kamil; Ali Wardani; Muhammad Rasyid Ridlo
Journal of Islamic Economic Studies Vol. 1 No. 3 (2025): September 2025
Publisher : Yayasan Darussalam Patalassang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The rapid growth of the global Islamic economy, with Sharia financial assets projected to reach USD 9.75 trillion by 2029, demands the transformation of Sharia accounting systems through artificial intelligence (AI) implementation. This study analyzes the impact of AI on the transformation of Sharia accounting systems from a global perspective using qualitative methods through library research examining recent academic sources. The results reveal that AI enhances Sharia compliance monitoring accuracy by up to 92% through natural language processing (NLP), but faces complex challenges including regulatory disparities, algorithmic biases, and technological infrastructure gaps between GCC, Southeast Asia, and Africa regions. Key findings emphasize the need for an ethical framework based on maqasid al-shariah and localized AI adoption strategies. The research contributes to the development of a hybrid intelligence model integrating AI with human expertise and an ethical AI certification framework for Sharia accounting. This study recommends multisectoral collaboration to ensure digital transformation aligned with Islamic values.
Strategies for Preventing Prohibited Transactions in Islamic Digital Finance: A Reflection on Riba, Gharar, and Maysir Asia, Nurul; Semaun, Syahriyah
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.591

Abstract

The rapid expansion of digital financing products presents both opportunities and challenges to maintaining compliance with Islamic financial principles, especially concerning prohibitions against riba and gharar. This study analyzes Islamic financial management strategies to prevent non-compliant transactions within the digital financing ecosystem. Using a qualitative literature approach combined with thematic analysis of academic works, fatwas, and regulatory documents, the study identifies five dominant factors influencing sharia compliance: contractual clarity, information transparency, internal supervision, technological integration, and user literacy regarding digital contracts and transaction risks. The thematic analysis further revealed that institutions applying integrated monitoring and user education frameworks demonstrate higher compliance levels than those relying solely on contractual formalities. The findings suggest the necessity of a measurable Islamic financial management model that aligns contract design, risk control, and technology-based supervision to ensure that digital financing products are not only sharia-compliant but also effective in achieving the objectives of maqāṣid al-syarī‘ah.
Co-Authors Abdul Hamid Abdullah Fauzan Adani S, Andi Putri Zahirah Ade Hastuti Ainul Fatha Isman Ali Wardani Ali, St Nurhayati Alifkah, Ayu Amin, Sitti Jamilah Aminah, St An Ras Try Astuti Andi Bahri S Andi Bahri, Andi Andi Bahri. S Andi Muhammad Fawzy Ramadhan Anggi, Anggeryani Syam Arqam Arqam, Arqam Asia, Nurul Astuti, An Ras Try Ayu, Sinar Bahri. S, Andi Bunga, Purnamasari Cahya, Nilam Cakrah, Yuyun Andira Citra Dewi Damirah Damirah Damirah Damirah Damirah Damirah Damirah DAMIRAH DAMIRAH, DAMIRAH Darmawati Darmawati Darmawati Darmawati Darmawati Darwis Darwis Darwis Dewi Setiyawati Dewintara, Eka Emily Nur Saidy Fadhliyah Ulfah Rustan Fatmawati, Fatmawati Firman Firman Firman Frihatni, Andi Ayu Gustia H, Muh Ilyas Hannani Hikmawati hilda, Evi Andriana Hj. St Nurhayati Husnul Khatimah Idris, Mahsyar Imamah, Ayu Nur Irmawati Irmawati Islamul Haq Islamulhaq, Islamulhaq Isma Wulandari Pryatna Jumaini. S, Jumaini. S Juneda Juneda Juneda, Juneda Kamal Zubair, Muhammad Kartika Sabir Kurniawan, Andis lukman, nurhidaya Mahsyar , Mahsyar Mahsyar, Mahsyar Marhani Marhani MARIA BINTANG Moh. Yasin Soumena Muh. Ahsan Kamil Muhammad Kamal Zubair Muhammad Kamal Zubair Muhammad Kamal Zubair, Muhammad Kamal Muhammad Rusydi Navri Muhammad Suras Muhammadun , Muzdalifah Muliati Muliati Muliati, Muliati Murhim, Murhim Musakkir , Musakkir Musdalifah Musdalifah Musmulyadi Musmulyadi Musmulyadi, Musmulyadi Musyarif Musyarif, Musyarif Muzdalifah Muhammadun Muzdalifah Muhammadun, Muzdalifah Nurfadillah Nurfadillah Nurhamida Nurhamida, Nurhamida Nurhayati, St. Nurjannah Nurjannah Patmawati, Andi Kiki Putri, Winda Reskiyan Rachman, Mawaddah Rahim, Rahmatika Rahmatillah, Sri Fatimah Rasyid, Siti Rasyid, St. Cheriah Ridlo, Muhammad Rasyid Rini Purnamasari, Rini Riska Rismah Rukiah Rukiah Rusanda, Risman S, Andi Bahri Sadli, Nurhemifitrah SAHABUDDIN SAHABUDDIN Sahara, Ira Sardia Sarmila, Sarmila Siti Nuraeni Sitti Jamilah Amin Sri Fatimah Rahmatillah St. Aminah St. Aminah St. Nurhayati St. Nurhayati Suarning Suarning, Suarning Sumi Susianti, Susianti Umar, Umrah Yani Wahyuni, A Widodo, Uun Purwati Wisnu Wardana, Wisnu Zyahratul Wilda