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All Journal Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Jurnal Ilmiah Al-Tsarwah Bisnis Net : Jurnal Ekonomi dan Bisnis Journal of Social Knowledge Education (JSKE) Jurnal Social Society Journal of Noesantara Islamic Studies
Sitti Nikmah Marzuki
Institut Agama Islam Negeri Bone
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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THE ROLE OF GREEN ECONOMY AS A DRIVER OF SUSTAINABLE BUSINESS Andi Lisa Aryani Hamjan; M. Amir HM; Hukmiah Husain; Sitti Nikmah Marzuki
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.10539

Abstract

This study aims to examine the application of the green economy concept within the framework of sustainable business in Indonesia, focusing on the integration of economic, social, and environmental sustainability principles. It explores how the green economy can serve as a strategic foundation for ethical, inclusive, and environmentally responsible business transformation aligned with sustainable development goals. This study employs a literature review method by analyzing a wide range of academic sources, government policies, and international frameworks related to the green economy and sustainable business practices. Findings reveal that implementing green economy principles contributes to economic growth, while embedding ethical values, social responsibility, and resource efficiency as core foundations of modern business practices. Such integration enhances corporate competitiveness, strengthens reputation, and promotes social welfare through green innovation and sustainable employment creation. Furthermore, Islamic ethics reinforce these practices by promoting fairness, stewardship, and accountability in business operations. The study concludes that the green economy provides a strategic pathway for ethical and sustainable business transformation in Indonesia. Integrating Islamic ethical and spiritual values bridges theory and practice, fostering balanced economic growth, environmental preservation, and social welfare aligned with the triple bottom line of profit, planet, and people.
Penerapan Good Corporate Governance dalam Meningkatkan Loyalitas Anggota Koperasi PKK Desa Pattiro Bajo Wahyudin Syahban; Sitti Nikmah Marzuki; Muhammad Abdi Buhasyim
Journal Social Society Vol. 5 No. 1 (2025): Januari - Juni 2025
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54065/jss.5.1.2025.625

Abstract

Penelitian membahas tentang Penerapan Good Corporate Governance (GCG) dalam Meningkatkan Loyalitas Anggota Koperasi PKK Desa Pattiro Bajo. Tujuan penelitian ini adalah (1) Untuk mengetahui bagaimana penerapan prinsip-prinsip Good Corporate Governance (GCG) pada Koperasi PKK Desa Pattiro Bajo, (2) Untuk mengetahui apa saja faktor yang mempengaruhi penerapan Good Corporate Governance (GCG) di Koperasi PKK Desa Pattiro Bajo, (3) Untuk mengetahui bagaimana bentuk penerapan Good Corporate Governance (GCG) dalam meningkatkan loyalitas anggota di Koperasi PKK Desa Pattiro Bajo. Penelitian ini menggunakan pendekatan kualitatif dengan Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa penerapan Good Corporate Governance (GCG) di Koperasi PKK Desa Pattiro Bajo menunjukkan adanya upaya untuk menciptakan tata Kelola koperasi yang baik, namun masih menghadapi beberapa kendala. Selain itu, faktor yang memepengaruhi penerapan GCG di Koperasi PKK Desa Pattiro bajo yaitu minimnya partisipasi anggota dalam pengambilan keputusan dan keterbatasan dana yang menyebabkan pelaporan dan administrasi koperasi belum berjalan dengan rapi dan konsisten. Namun, bentuk penerapan seperti transparan dalam pelaporan keuangan, yang membuat anggota merasa percaya dan aman karena mengetahui pengguna dana koperasi secara jelas.
PERAN FINTECH DALAM MENDUKUNG EFISIENSI DAN TRANSPARANSI PASAR MODAL SYARIAH Nurlisa Safitri; Andi Lisa Aryani Hamjan; Bustan Ramli; Sitti Nikmah Marzuki
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 17 No. 2 (2025): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v17i2.14493

Abstract

The development of financial technology (fintech) has had a significant impact on the global financial system, including strengthening the growth of the Islamic capital market in Indonesia. This study aims to analyze how fintech plays a role in increasing the efficiency and transparency of the Islamic capital market while remaining based on Islamic principles. The method used is a qualitative approach through library research, reviewing various literature, scientific journals, and relevant legal documents. The results show that fintech integration contributes to increased efficiency by accelerating transaction processes, reducing operational costs, and expanding investor access to digital financial services. Furthermore, fintech also strengthens the transparency of the Islamic capital market by providing a blockchain-based recording and reporting system that is open, accurate, and verifiable in real time, in line with the values ​​of trust and justice in Islamic transactions. Thus, fintech not only plays a role as a financial technology innovation but also as an instrument for strengthening Islamic values ​​through the application of the principles of honesty, openness, and responsibility in Islamic capital market activities in Indonesia.
STRATEGI INOVASI PRODUK DAN JASA BERBASIS AKAD WADIAH DAN MUDHARABAH DI ERA DIGITALISASI PERBANKAN SYARIAH Hasanah Hasanah; Jumardi Jumardi; Bustan Ramli; Sitti Nikmah Marzuki
Bisnis-Net Vol 9, No 1: MEI 2026
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v9i1.8117

Abstract

This study examines how Islamic banks can innovate products and services based on the contracts of wadiah and mudharabah amid rapid digitalization. The research addresses the practical issue of aligning technological advances with Sharia principles while sustaining competitiveness and customer trust. The study aims to (i) map current practices and strategic directions of wadiah mudharabah innovation across digital channels (mobile/internet banking, QRIS, digital wallet), (ii) identify key success factors (contract and profit-sharing transparency, e-service quality, security and Sharia compliance, customer digital literacy, and staff capabilities), and (iii) propose an operational framework linking contract-based innovation to customer outcomes and bank performance. Methodologically, this is a library research drawing on indexed journals, academic books, and prior reports. The synthesis indicates that clear, simple, and secure digital presentation of Sharia values increases customer satisfaction, trust, and loyalty; for banks, it strengthens liquidity (via wadiah funds), reduces cost of funds in mudharabah portfolios, lowers operating costs, and expands the customer base. The proposed three tier framework contract, process & technology, and outcomes—supported by blockchain, big data analytics, and AI, guides practical implementation and measurement. 
Critical Analysis of the Concept of Usury in Islamic Economics and its Implications for Islamic Finance Rais Abdullah; Sitti Nikmah Marzuki; Yayuk Karliena; A Zulfikar D
Journal of Noesantara Islamic Studies Vol. 2 No. 2 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jnis.v2i2.1847

Abstract

The concept of usury (riba) occupies a pivotal position in Islamic economics, serving as a foundational principle shaping Islamic financial practices. Despite its centrality, the interpretation and application of riba have been subjects of extensive debate among scholars, particularly concerning its implications for modern Islamic finance. This study aims to critically analyze the concept of riba within the framework of Islamic economics, exploring its historical evolution, interpretative nuances, and contemporary challenges. Employing a qualitative methodology, this research integrates a systematic review of classical Islamic jurisprudence texts and modern scholarly discourse, complemented by case studies of Islamic financial institutions. The findings reveal that while riba is unequivocally prohibited in Islamic law, its definition and scope vary, influencing the operational dynamics of Islamic financial products such as murabahah, ijarah, and sukuk. Moreover, the study identifies a tension between theoretical ideals and practical implementations, highlighting the need for greater consistency and innovation in Islamic finance to align with maqasid al-shariah. The study concludes that a nuanced understanding of riba is essential for addressing contemporary financial complexities and fostering the growth of an ethical and sustainable Islamic financial system.  
Integrating Hikmah Values into Sustainable Housing Development: Evidence from Muslim Communities in Bone Regency, Indonesia Andi Lisa Aryani Hamjan; Sitti Nikmah Marzuki; Ida Farida
Journal of Social Knowledge Education (JSKE) Vol. 7 No. 4 (2026): July
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jske.v7i4.3641

Abstract

Purpose of the study: This study examines how hikmah (Islamic wisdom) is implemented in housing property development among Muslim communities in Bone Regency, how sustainable housing development is realized in that context, and how hikmah strengthens community perceptions of sustainable housing. Methodology: A qualitative descriptive field research design was used. Ten purposively selected informants (residents, a developer, a housing-association representative, government officials, and an academic) were studied through semi-structured interviews, non-participatory observation, and documentation, analyzed with NVivo 12 using coding, data display, conclusion drawing, and source/technique triangulation. Main Findings: Hikmah operates at conceptual (economic, environmental, social, spiritual) and operational (institutional governance, area planning) levels. Sustainability experienced by residents is predominantly social and spiritual rather than ecological or financial, with places of worship acting as a centripetal force. Community perception strengthens through consistent realization of developers' promises rather than normative rhetoric, though a regulatory vacuum and conceptual-standardization gap persist. Novelty/Originality of this study: The study proposes a Hikmah-Based Property Development Model that integrates four dimensions of hikmah as a contemporary maqāṣid al-shariah framework applied to housing, extending the Brundtland sustainability definition and SDG 11 with a spiritual-community pillar not previously articulated in sustainable-housing literature.
Co-Authors A Zulfikar D Abdullah, Rais Andi Lisa Aryani Hamjan Andi Lisa Aryani Hamjan Bustan Ramli hasanah hasanah Hukmiah Husain Ida Farida Jumardi Jumardi M. Amir HM Muhammad Abdi Buhasyim Nurlisa Safitri Wahyudin Syahban Yayuk Karliena