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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar Neraca Manajemen, Akuntansi, dan Ekonomi
Naufaila Salsabila
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Economics, Econometrics & Finance Environmental Science Other

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THE EVOLUTION AND IMPACT OF ISLAMIC ECONOMICS IN CONTEMPORARY FINANCIAL SYSTEMS IN INDONESIA Naufaila Salsabila
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 9 No. 1 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v9i1.6203

Abstract

This paper investigates the implementation of Islamic economic principles in Indonesia and reviews the development and impact of Islamic Economics in the Contemporary Financial System in Indonesia. Indonesia, as a predominantly Muslim country, has great potential to develop a sharia based economy. In the face of various crises, including economic, moral, social, and cultural crises, Indonesia's economic growth must be balanced with the application of Islamic economic principles. These principles include the implementation of the concept of Tawhîd in economic activity, the principle of Khilâfa as human responsibility on earth, justice, equality, and productivity to achieve economic prosperity. The influence of Islamic Economics in the Contemporary Financial System in Indonesia is significant, with the rapid growth of Islamic financial institutions and various Islamic financial products. Nonetheless, there are challenges related to standardization, regulation, and supervision in the Islamic finance industry. Policy implications include improving Islamic financial literacy, developing Islamic economic infrastructure, and increasing Islamic financial product innovation. By implementing these policy implications, Indonesia can strengthen its position as a global Islamic economic center and improve economic welfare for the entire society.
HALAL CERTIFICATION ASSISTANCE FOR SMES: ENHANCING COMPETITIVENESS AND CONSUMER TRUST Naufaila Salsabila
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 9 No. 1 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v9i1.6204

Abstract

Halal certification is crucial in the food and beverage industry to increase consumer trust. However, SMEs often face various challenges in obtaining this certification. This program aims to provide assistance to SMEs in the halal certification process to enhance their competitiveness and consumer trust. Using a participatory approach with data collection methods including interviews, surveys, and observations.Several SMEs successfully obtained halal certification after participating in the assistance program, with increased understanding and readiness to meet certification requirements. Halal certification assistance effectively helps SMEs improve their competitiveness and consumer trust. This program can be replicated and improved to support more SMEs in the future.
Pengaruh Sertifikasi Halal dan Digital Payment QRIS terhadap Kinerja Keuangan UMKM: Peran Moderasi Literasi Keuangan Syariah pada UMKM Kota Cilegon Naufaila Salsabila; Ahyakudin; Mohamad Ainun Najib
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 Nomor 02, Juni 2026 Published
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.47331

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh sertifikasi halal dan penggunaan digital payment QRIS terhadap kinerja keuangan Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Cilegon dengan literasi keuangan syariah sebagai variabel moderasi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Sampel penelitian sebanyak 100 pelaku UMKM di Kota Cilegon yang dipilih menggunakan teknik purposive sampling. Data primer diperoleh melalui penyebaran kuesioner kepada responden dan dianalisis menggunakan metode Structural Equation Modeling-Partial Least Square (SEM-PLS) dengan bantuan SmartPLS 3. Hasil penelitian menunjukkan bahwa sertifikasi halal berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM. Penggunaan digital payment QRIS juga berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM. Namun, literasi keuangan syariah tidak mampu memoderasi pengaruh sertifikasi halal terhadap kinerja keuangan UMKM. Selain itu, literasi keuangan syariah juga tidak mampu memoderasi pengaruh penggunaan QRIS terhadap kinerja keuangan UMKM. Temuan ini menunjukkan bahwa peningkatan daya saing UMKM dapat dilakukan melalui legalitas halal produk dan digitalisasi sistem pembayaran. Namun demikian, peningkatan literasi keuangan syariah masih memerlukan penguatan agar mampu memberikan dampak optimal terhadap peningkatan kinerja UMKM.
Co-Authors Ahyakudin Mohamad Ainun najib