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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): Agustus - Januari
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): Agustus - Januari
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): Agustus - Januari
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.

Analisis Halal Value Chain Pada Produk Umkm Studi Kasus Toko Serba Mente (Cemilan & Oleh-Oleh Kolaka) Marunta, Ristiyanti Ahmadul; Sunusi, Akbar M.; Julianti, Amanda; Waqia, Nurul; Pratiwi, Eki; Rika, Rika
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2261

This study aims to analyze the implementation of the Halal Value Chain in UMKM Serba Mente, a local snack and souvenir business in Kolaka Regency. The Halal Value Chain emphasizes the application of halal principles throughout all stages of the value chain, including raw material procurement, production processes, packaging, distribution, and marketing. This research employed a qualitative descriptive approach. Data were collected through in-depth interviews with the business owner, direct observation of production activities, and supporting documentation. The findings indicate that UMKM Serba Mente has implemented halal principles consistently across its value chain, although some practices are still conducted in a simple manner. The implementation of the Halal Value Chain contributes positively to product quality, consumer trust, and the competitiveness of UMKM in local and national markets. However, several challenges remain, particularly related to resource limitations and external production factors. This study is expected to provide insights for the development of halal product management among similar UMKM.

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.

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.

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