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All Journal Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Katalis Pendidikan: Jurnal Ilmu Pendidikan dan Matematika Ignite: Journal Islamic Global Network for Information Technology and Entrepreneurship
Zohya Azzura
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Mathematics Other

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Integrasi Prinsip Ekonomi Islam dalam Platform Crowdfunding Syariah: (Studi Kasus pada Pembiayaan UMKM di Indonesia) Zohya Azzura; Eka Christina Waruwu; Ahmad Wahyudi Zein
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 3 No. 3 (2025): September: Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v3i3.1931

Abstract

Technology-based financial innovation has led to the emergence of crowdfunding platforms, which are now expanding into the realm of Islamic finance. This study aims to examine how the principles of Islamic economics are integrated into Sharia-compliant crowdfunding practices, particularly in financing Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. The research employs a qualitative descriptive approach through literature review and case studies of several prominent Sharia crowdfunding platforms in Indonesia. The findings show that Sharia crowdfunding not only adheres to Islamic principles such as the prohibition of riba (usury) and gharar (uncertainty), but also applies concepts of justice, transparency, and partnership within contract structures. However, challenges related to Sharia financial literacy, regulation, and public trust remain significant obstacles. This study recommends enhancing Sharia financial literacy and strengthening regulations to support a sustainable Sharia crowdfunding ecosystem.
Analisis Elastisitas Harga dan Pendapatan dalam Perspektif Ekonomi Konvensional dan Mikro Islam Zohya Azzura; Eka Christina Waruwu; Reni Ria Armayani Hasibuan
Journal Islamic Global Network for Information Technology and Entrepreneurship Vol. 3 No. 3 (2025): Juli : Journal Islamic Global Network for Information Technology and Entreprene
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/ignite.v3i3.2953

Abstract

This study aims to analyze price elasticity and income elasticity of products by integrating perspectives from conventional economics and Islamic microeconomics. In conventional economics, price and income elasticity are used to understand consumer demand sensitivity to changes in price and income. Meanwhile, Islamic microeconomics adds an ethical dimension, such as the prohibition of israf (wastefulness) and the importance of balanced consumption. The findings indicate that elasticity analysis is crucial not only for business strategies and economic policies but also must incorporate Islamic economic principles to promote sustainable and ethical consumption. This study suggests that integrating Islamic microeconomic values in elasticity analysis can enrich the understanding of consumer behavior and foster more inclusive economic policies.
Peran Pendidikan Lingkungan dalam Membentuk Pola Konsumsi yang Bertanggung Jawab di Kalangan Mahasiswa Dini Anggraini; Rifauziah Arni Malau; Zohya Azzura
Katalis Pendidikan : Jurnal Ilmu Pendidikan dan Matematika Vol. 2 No. 4 (2025): Desember : Katalis Pendidikan : Jurnal Ilmu Pendidikan dan Matematika
Publisher : Lembag

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/katalis.v2i4.2749

Abstract

This study aims to analyze the role of environmental education in shaping responsible consumption patterns among university students. Using a qualitative approach, data were collected through in-depth interviews with several students from different faculties who were involved in environmental-based activities such as green campus programs and environmental education courses. The results show that environmental education plays a significant role in increasing environmental awareness and encouraging behavioral change toward sustainable consumption. Students who participated in environmental learning activities demonstrated greater awareness in reducing single-use plastic, conserving energy, and choosing eco-friendly products. However, some respondents argued that the impact of environmental education is limited when it remains theoretical and lacks practical implementation. The findings emphasize that the effectiveness of environmental education depends on the integration of theory, practice, and supportive campus culture. Therefore, universities should strengthen environmental education through experiential learning, environmental campaigns, and sustainable campus facilities to foster students’ environmental responsibility and long-term sustainable behavior.
Co-Authors Ahmad Wahyudi Zein Dini Anggraini Eka Christina Waruwu Reni Ria Armayani Hasibuan Rifauziah Arni Malau