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Peran Lembaga Keuangan Syariah Dalam Mendorong Pertumbuhan Ekonomi : Studi Pustaka Berbasis Ekonomi Makro Islam Marunta, Ristiyanti Ahmadul; Ataya, Nahda Afniatul; Pratiwi, Anggun; Mustabsyirah, Mustabsyirah; Asisah, Nur
Economics and Digital Business Review Vol. 7 No. 1 (2025)
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v7i1.3033

This study aims to analyze the role of Sharia Financial Institutions (SFIs) in promoting economic growth in Indonesia through sharia-based financing and social fund management. This study uses a descriptive qualitative method with a library research approach, which examines relevant literature, scientific journals, and official documents related to the activities and contributions of SFIs. The results of the study indicate that LKS play a significant role in promoting economic growth through interest-free financing of the real sector, empowering MSMEs, providing halal financial products and services, and managing zakat, infak, sedekah, and wakaf (ZISWAF) funds for social and economic purposes. Additionally, LKS have proven capable of expanding financial inclusion in remote areas and creating a more stable and equitable financial system. This study recommends that the government and policymakers continue to strengthen regulations, Islamic financial literacy, and support for digital innovation so that Islamic microfinance institutions can reach more segments of society and contribute more significantly to national economic development.

Membangun Pertumbuhan Ekonomi Berkelanjutan Berbasis Syariah Marunta, Ristiyanti Ahmadul; Arabia, Nurul; Bachtiar, Iftitah Amanah; Karmilah, Karmilah; Malik, Amil
Economics and Digital Business Review Vol. 7 No. 1 (2025)
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v7i1.3034

Penelitian ini bertujuan menganalisis peran ekonomi syariah dalam membangun pertumbuhan ekonomi berkelanjutan di Indonesia, dengan menekankan keterkaitan antara prinsip-prinsip Islam dan pencapaian tujuan Sustainable Development Goals (SDGs). Metode yang digunakan adalah pendekatan studi pustaka (library research) dengan mengkaji jurnal ilmiah, buku, artikel, laporan resmi, dan data statistik terkini terkait perkembangan ekonomi nasional dan sektor keuangan syariah. Hasil kajian menunjukkan bahwa meskipun pertumbuhan ekonomi Indonesia pasca pandemi menunjukkan tren positif, tantangan seperti ketimpangan distribusi pendapatan, keberlanjutan lingkungan, dan transformasi struktural masih memerlukan solusi strategis. Ekonomi syariah, melalui instrumen seperti zakat, wakaf produktif, sukuk hijau, dan pembiayaan mikro syariah, memiliki potensi besar untuk mendorong pertumbuhan yang inklusif dan ramah lingkungan. Strategi penguatan regulasi, inovasi instrumen keuangan, pemanfaatan teknologi digital, serta peningkatan literasi dan inklusi keuangan syariah menjadi kunci keberhasilan implementasi model ini. Penelitian ini menegaskan bahwa integrasi prinsip-prinsip syariah dengan kebijakan pembangunan berkelanjutan dapat membentuk perekonomian yang adil, tangguh, dan kompetitif di tingkat global.

Kontribusi Instrumen Ekonomi Islam Terhadap Pertumbuhan Ekonomi: Studi Literatur Marunta, Ristiyanti Ahmadul; hildayani , Nurul; ulhusna, Umi; malik, Muh. Ridwan
Economics and Digital Business Review Vol. 7 No. 1 (2025)
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v7i1.3035

This study aims to analyze the contribution of three main instruments of Islamic economics zakat, waqf, and sukuk—to inclusive and sustainable national economic growth. Using a qualitative literature study approach, this research explores secondary data from various journals and relevant scientific sources. The findings indicate that zakat can increase the purchasing power of low-income communities and accelerate consumption through productive zakat programs. Waqf provides long-term contributions by offering productive social assets such as education and healthcare, which directly enhance the quality of human resources. Meanwhile, sukuk serves as a strategic financing solution for national infrastructure development, driving investment growth and job creation. This study also emphasizes the importance of integrating these three instruments, for example, through sukuk-based productive waqf and the empowerment of zakat recipients in managing waqf assets. Optimal implementation requires institutional synergy, enhanced Islamic financial literacy, and government regulatory support. Thus, zakat, waqf, and sukuk are not merely spiritual financial instruments, but also fundamental pillars of just economic development from an Islamic perspective.

Konsep Kesejahteraan Perspektif Islam: Studi Para Pedagang di Pasar Raya Mekongga Kabupaten Kolaka Marunta, Ristiyanti Ahmadul; Sari, Sarni Handayani Puspita; Nur, Abustan; Ramadhan, Ryan; Putri, Zalsyakillah Amalia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i3.801

Welfare from an Islamic perspective is the achievement of syara' goals (maqasid sharia). The maintenance of syara' aims is to protect religion (al-din), soul (al-nafs), reason (al-'aql), property (al-mal) and offspring (al-nasl). In achieving the goals of maqasid sharia, it still pays attention to sharia principles, namely the principle of monotheism, the principle of honesty, the principle of trust, the principle of justice and freedom from usury. The purpose of this research is to understand in depth the concept of welfare from an Islamic perspective of the study of traders at Pasar Raya Mekongga using qualitative research, namely looking for meaning, understanding and understanding of a phenomenon, events in human life by being involved directly or indirectly with the setting to be studied, contextual and comprehensive. This study involved traders in Mekongga Raya Market as respondents and were Muslim. The findings of this study are the concept of welfare for traders both physically and mentally, namely the achievement of material and non-material needs while still holding fast to Divine rules in all their life activities. The material obtained is money and capital, while the non-material obtained is moral and spiritual values. The conclusion is that materially and spiritually the traders believe that sustenance from Allah is always abundant so that they are able to maintain the goals of syara (Maqasid Sharia) and ensure the welfare of traders. Keywords: Welfare from an Islamic perspective, Maqasid Sharia, Moral Values, Spiritual Values.

Konsep Kesejahteraan Perspektif Islam: Studi Para Pedagang di Pasar Raya Mekongga Kabupaten Kolaka Marunta, Ristiyanti Ahmadul; Sari, Sarni Handayani Puspita; Nur, Abustan; Ramadhan, Ryan; Putri, Zalsyakillah Amalia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i3.801

Welfare from an Islamic perspective is the achievement of syara' goals (maqasid sharia). The maintenance of syara' aims is to protect religion (al-din), soul (al-nafs), reason (al-'aql), property (al-mal) and offspring (al-nasl). In achieving the goals of maqasid sharia, it still pays attention to sharia principles, namely the principle of monotheism, the principle of honesty, the principle of trust, the principle of justice and freedom from usury. The purpose of this research is to understand in depth the concept of welfare from an Islamic perspective of the study of traders at Pasar Raya Mekongga using qualitative research, namely looking for meaning, understanding and understanding of a phenomenon, events in human life by being involved directly or indirectly with the setting to be studied, contextual and comprehensive. This study involved traders in Mekongga Raya Market as respondents and were Muslim. The findings of this study are the concept of welfare for traders both physically and mentally, namely the achievement of material and non-material needs while still holding fast to Divine rules in all their life activities. The material obtained is money and capital, while the non-material obtained is moral and spiritual values. The conclusion is that materially and spiritually the traders believe that sustenance from Allah is always abundant so that they are able to maintain the goals of syara (Maqasid Sharia) and ensure the welfare of traders. Keywords: Welfare from an Islamic perspective, Maqasid Sharia, Moral Values, Spiritual Values.

Implementation of the Basic Principles of Sharia Economics in Traders' Buying and Selling Transactions at Tolo' Market, Kelara District, Jeneponto Regency Muthalib, Ahmad Abdul; Zulkifli, Zulkifli; Marunta, Ristiyanti Ahmadul; Anwar, Desy Rahmawati
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.v8i3.1362

Traditional markets are the center of people's economic activities that are not only oriented towards fulfilling material needs, but also loaded with ethical and moral values. In practice, buying and selling transactions in traditional markets are still faced with various problems, such as fraud, lack of transparency, and weak accountability, which have the potential to deviate from the principles of Islamic economics. This study aims to analyze the application of basic principles of sharia economics in buying and selling transactions by traders in Tolo' Market, Kelara District, Jeneponto Regency. This research uses a descriptive qualitative approach with field research methods. Data collection techniques are carried out through observation and interviews with traders and buyers, while data analysis is carried out through the stages of data reduction, data presentation, and conclusion drawn. The results of the study show that in general, traders at Tolo' Market have applied the basic principles of sharia economics, including the principles of justice, transparency, halal, and trust, although the implementation is not fully optimal. The principles of fairness and transparency are quite visible in the pricing and delivery of information on goods, the principle of halal is carried out properly through the selection of halal and consumable goods, and the principle of trust is reflected in the responsibility of traders to buyer complaints. However, the principle of accountability is still a challenge, especially related to the recording of transactions that have not been carried out systematically. This research is expected to be a reference in strengthening sharia business ethics in traditional markets and encouraging increased awareness of traders on the importance of applying sharia economic principles as a whole.

Implementation of the Basic Principles of Sharia Economics in Traders' Buying and Selling Transactions at Tolo' Market, Kelara District, Jeneponto Regency Muthalib, Ahmad Abdul; Zulkifli, Zulkifli; Marunta, Ristiyanti Ahmadul; Anwar, Desy Rahmawati
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.v8i3.1362

Traditional markets are the center of people's economic activities that are not only oriented towards fulfilling material needs, but also loaded with ethical and moral values. In practice, buying and selling transactions in traditional markets are still faced with various problems, such as fraud, lack of transparency, and weak accountability, which have the potential to deviate from the principles of Islamic economics. This study aims to analyze the application of basic principles of sharia economics in buying and selling transactions by traders in Tolo' Market, Kelara District, Jeneponto Regency. This research uses a descriptive qualitative approach with field research methods. Data collection techniques are carried out through observation and interviews with traders and buyers, while data analysis is carried out through the stages of data reduction, data presentation, and conclusion drawn. The results of the study show that in general, traders at Tolo' Market have applied the basic principles of sharia economics, including the principles of justice, transparency, halal, and trust, although the implementation is not fully optimal. The principles of fairness and transparency are quite visible in the pricing and delivery of information on goods, the principle of halal is carried out properly through the selection of halal and consumable goods, and the principle of trust is reflected in the responsibility of traders to buyer complaints. However, the principle of accountability is still a challenge, especially related to the recording of transactions that have not been carried out systematically. This research is expected to be a reference in strengthening sharia business ethics in traditional markets and encouraging increased awareness of traders on the importance of applying sharia economic principles as a whole.

Internalisasi Nilai Siri’ Na Pacce dalam Transaksi Jual Beli pada Pedagang sebagai Formulasi Nilai Tambah Syariah untuk Mewujudkan Kesejahteraan pada Pedagang di Pasar Tradisional Gowa Marunta, Ristiyanti Ahmadul; Abdullah, M. Wahyuddin; K, Amiruddin
Jurnal Diskursus Islam Vol 11 No 2 (2023): August
Publisher : Program Pascasarjana, UIN Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/jdi.v11i2.41457

Penelitian ini bertujuan untuk menginternalisasikan nilai-nilai siri’ na pacce dalam transaksi jual beli yang secara sadar atau tidak sadar telah tertanam dalam aktivitas bisnis masyarakat Bugis Makassar. Oleh karena itu penelitian ini dianggap penting untuk mengembangkan konsep nilai tambah syariah dengan kearifan lokal. Jenis penelitian yang digunakan adalah penelitian kualitatif yaitu metode yang akan menghasilkan data deskriptif yang berupa kata-kata tertulis atau lisan. Dalam penelitian ini penulis menggunakan paradigma interpretif untuk mengungkap dan memaknai internalisasi nilai siri’ na pacce dalam transaksi jual beli sebagai formulasi nilai tambah syariah untuk mewujudkan kesejahteraan (studi pada pedagang di Pasar Tradisional Gowa). Temuan dalam penelitian ini adalah secara filosofis kearifan lokal Bugis Makassar tercermin dalam wujud transaksi jual beli. Adanya nilai tambah ekonomi yang memiliki formulasi nilai material dan bentuk nilai tambahnya adalah uang. Nilai tambah mental yang memiliki formulasi nilai kejujuran, nilai keridhaan (suka sama suka), nilai keadilan, nilai kepercayaan dan bentuk nilai tambahnya adalah rasa altuiristik, senang dan persaudaraan. Kemudian nilai tambah spiritual yang memiliki formulasi nilai untuk tidak mendurhakai Allah dan bentuk nilai tambahnya adalah rasa ikhlas dan rasa kehadiran Tuhan. Formulasi nilai tambah syariah ini menjadi dasar dalam perwujudan nilai falāh. Implikasi pada peneltian ini adalah adanya perwujudan kesadaran bagi para pedagang Bugis Makassar untuk selalu memelihara nilai kearifan lokal siri’ na pacce dalam menjalankan segala tindakannya sehingga dapat mencapai tujuan kesejahteraan hidup didunia maupun diakhirat (falāh).

Manajemen Pembiayaan Berbasis Nilai Syariah Dan Kinerja Bank Syariah Tinjauan Literatur Marunta, Ristiyanti Ahmadul; Fatrisia, Anggun Ade; Hirmayani, Amanda; Hasniar; Herni; Aulia, Malika Kesya
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4885

This research aims to examine the concept of sharia values in sharia banking, its integration mechanisms in financing management, as well as the influence of sharia value-based financing management on the performance of sharia banks. The research approach used is qualitative with a literature review method of various national journals and relevant scientific proceedings. Data was collected through literature searches on scientific databases such as Google Scholar and accredited national journal portals, then analyzed using systematic content analysis techniques. The results of the study show that sharia values such as monotheism, justice, trust, transparency, benefit and balance are the fundamental basis for sharia bank operations and differentiate them from conventional banking. The integration of these values in financing management is realized through the use of sharia contracts, application of the precautionary principle, compliance with sharia fatwas, and orientation to sharia maqashid. Sharia value-based financing management has been proven to have a positive effect on the performance of sharia banks, both from the financial, operational, risk management and non-financial performance aspects from a sharia maqashid perspective. Thus, strengthening the integration of sharia values in financing management is a strategic factor in improving the performance and sustainability of sharia banks.

EKONOMI MIKRO SYARIAH DAN MORALITAS PASAR: STUDI LITERATUR TENTANG ETIKA PRODUKSI DAN KONSUMSI DALAM ISLAM Marunta, Ristiyanti Ahmadul; Bayang, Tenri; Sutriani, Sutriani; Fatmawati, Fatmawati; Akbar, Akbar; Rivaldi, Ahmad Irfan
CENDEKIA: Jurnal Ilmu Pengetahuan Vol. 6 No. 2 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/cendekia.v6i2.8960

ABSTRACT The development of modern economics, which emphasizes free market mechanisms, tends to prioritize efficiency and profit maximization while often neglecting moral and ethical dimensions. This condition has led to various issues, including exploitation of production factors, excessive consumption, income inequality, and the erosion of social justice. Islamic microeconomics emerges as an alternative paradigm that integrates economic rationality with Islamic moral and spiritual values. This study aims to analyze market morality from the perspective of Islamic microeconomics, focusing on production and consumption ethics and the integration of moral values into market mechanisms. This study employs a qualitative approach using a narrative literature review method. Data were collected from accredited national journals, reputable international journals, and classical as well as contemporary Islamic economics books relevant to market morality, production ethics, and consumption ethics. The data were analyzed using a thematic approach to identify conceptual and normative patterns within the selected literature. The findings indicate that, in Islamic microeconomics, the market functions not only as a mechanism for exchanging goods and services but also as a moral institution grounded in justice, honesty, transparency, and public welfare. Production ethics emphasize product permissibility (halal), fairness in the use of production factors, and social and environmental responsibility. Meanwhile, consumption ethics are guided by the principles of moderation (wasathiyah), the prohibition of extravagance and wastefulness, and an orientation toward achieving mashlahah and falah rather than mere material utility. The integration of moral values into market mechanisms enables Islamic microeconomics to promote markets that are both efficient and socially just and sustainable. ABSTRAK Perkembangan ekonomi modern yang berorientasi pada mekanisme pasar bebas cenderung menempatkan efisiensi dan maksimalisasi keuntungan sebagai tujuan utama aktivitas ekonomi, sering kali dengan mengesampingkan dimensi moral dan etika. Kondisi ini memunculkan berbagai permasalahan seperti eksploitasi faktor produksi, konsumsi berlebihan, ketimpangan distribusi pendapatan, serta melemahnya nilai keadilan sosial. Ekonomi mikro syariah hadir sebagai alternatif konseptual yang mengintegrasikan rasionalitas ekonomi dengan nilai-nilai moral dan spiritual Islam. Penelitian ini bertujuan untuk menganalisis moralitas pasar dalam perspektif ekonomi mikro syariah, dengan fokus pada etika produksi dan konsumsi serta integrasi nilai moral dalam mekanisme pasar. Penelitian ini menggunakan pendekatan kualitatif dengan mengandalkan metode Narrative Literature Review sebagai teknik pengumpulan data. Data penelitian bersumber dari jurnal nasional terakreditasi, jurnal internasional bereputasi, serta buku-buku klasik dan kontemporer ekonomi Islam yang relevan dengan tema moralitas pasar, etika produksi, dan etika konsumsi. Analisis data dilakukan melalui pendekatan tematik untuk mengidentifikasi pola konseptual dan normatif dalam literatur yang dikaji. Hasil penelitian menunjukkan bahwa dalam ekonomi mikro syariah, pasar tidak hanya berfungsi sebagai mekanisme pertukaran barang dan jasa, tetapi juga sebagai institusi moral yang berlandaskan nilai keadilan, kejujuran, transparansi, dan kemaslahatan. Etika produksi menekankan kehalalan produk, keadilan dalam penggunaan faktor produksi, serta tanggung jawab sosial dan lingkungan. Sementara itu, etika konsumsi diarahkan pada prinsip kesederhanaan (wasathiyah), larangan israf dan tabdzir, serta orientasi pada pencapaian mashlahah dan falah, bukan sekadar utilitas material. Integrasi nilai moral dalam mekanisme pasar menjadikan ekonomi mikro syariah mampu membentuk pasar yang efisien sekaligus berkeadilan dan berkelanjutan.

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