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All Journal LAN TABUR: JURNAL EKONOMI SYARIAH Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Jureid
Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Economics, Econometrics & Finance Other

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Sense-Making Of Shariah Digital Economy Among Muslim Micro-Entrepreneurs: A Qualitative Case Study Of Mandailing Natal Jureid; Anjur Perkasa Alam; Asmawarna Sinaga; Mufti Fahrizal Harahap; Hamdanil
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.164

Abstract

Introduction: The development of the Shariah digital economy presents both opportunities and challenges for Muslim micro and small enterprises (MSMEs), particularly in interpreting Shariah principles in the digital era. This study aims to explore the sense-making process of Muslim MSME actors in Mandailing Natal in understanding and implementing Shariah-compliant digital economic practices. Methods: A qualitative interpretive case study approach was employed, involving some of active MSME informants through in-depth interviews, participatory observation, and documentation of digital Shariah practices. Findings indicate that Shariah compliance in digital practices is pragmatic, adaptive, and contextual, involving negotiation between technological efficiency and religious values, as well as dual legitimacy from formal authorities and personal experience. Results: The Results highlight the critical role of actor sense-making in constructing subjective understanding of complex and often ambiguous Shariah principles. Conclusion and suggestion: Theoretically, this research extends the literature on Islamic digital economy and Shariah fintech by emphasizing the interpretive social construction of Shariah compliance. Practically, the findings provide guidance for developing digital platforms, Shariah digital literacy programs, and collaborations between regulators and religious authorities to enhance inclusion and sustainability of Muslim MSMEs
Persepsi Nasabah Terhadap Transparansi Akad Murabahah di Bank Syariah Jureid; Riski Ramadani; Lily Muthia Arini; Salsa Billah; Risky Alfandi Nasution
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 7 No. 1 (2026): January
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v7i1.3625

Abstract

Akad murabahah adalah salah satu instrumen penting dalam pembiayaan syariah yang digunakan oleh bank syariah, di mana transparansi berperan penting untuk mempertahankan kepercayaan nasabah dan mematuhi prinsip-prinsip syariah. Penelitian ini bertujuan untuk meneliti pandangan nasabah mengenai tingkat transparansi akad murabahah di bank syariah, termasuk dalam hal pengungkapan biaya, margin keuntungan, dan proses kontrak. Metodologi kuantitatif diterapkan dengan melakukan survei terhadap nasabah bank syariah di daerah Jawa Tengah, Indonesia, yang dipilih melalui purposive sampling. Untuk menganalisis data, digunakan analisis deskriptif dan regresi linier berganda guna menguji faktor-faktor yang mempengaruhi pandangan tersebut. Hasil penelitian menunjukkan bahwa pandangan nasabah mengenai transparansi akad murabahah secara keseluruhan berada pada tingkat menengah. Faktor utama yang berkontribusi pada pandangan positif adalah kualitas informasi yang diungkapkan oleh petugas bank dan pemahaman nasabah tentang prinsip-prinsip syariah, sementara kurangnya pendidikan digital menjadi hambatan yang signifikan. Nasabah cenderung merasa kurang puas dengan transparansi dalam penentuan margin keuntungan yang kadang tidak dijelaskan secara rinci.
Co-Authors Anjur Perkasa Alam Asmawarna Sinaga hamdanil Lily Muthia Arini Mufti Fahrizal Harahap Riski Ramadani Risky Alfandi Nasution Salsa Billah