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All Journal Maslahah: Jurnal Manajemen dan Ekonomi Syariah Jurnal Pajak dan Analisis Ekonomi Syariah Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Ekonomi Manajemen Dan Bisnis (JEMB)
Rifa Khoerunnisa
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Other

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Analisis Penerapan Pemikiran Ekonomi Al-Ghazali dalam Teori Konsumsi: (Studi Kasus Impulsive Buying dalam Gaya Hidup Muslim di Era Digital) Zenita Alvina Fauziah; Risma Syan Sabilla; Rifa Khoerunnisa; Lina Marlina
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 2 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i2.2236

Abstract

Al-Ghazali's economic thought emphasizes balance in consumption and the importance of avoiding wastefulness and excess. However, in this digital era impulsive buying is increasingly prevalent, including among Muslims. This research is motivated by the behavior of Muslim consumers who tend to be more concerned with satisfaction than needs. The method used is qualitative research with a case study approach, to analyze the application of Al-Ghazali's economic thought in consumption theory. This research method is designed to provide a comprehensive and in-depth understanding of the application of Al-Ghazali's economic thought in the concept of consumption, especially the phenomenon of impulsive buying among Muslims in the digital era. The results show that the phenomenon of impulsive buying is increasingly widespread, triggered by easy access to information and products through digital platforms, as well as the influence of social media. This is often contrary to the principles of consumption taught by Al-Ghazali, who emphasized the importance of simplicity and moderation. This study recommends the need for awareness and education on consumption ethics in Islam to help avoid excessive consumption behavior and prioritize spiritual values in every act of consumption.
Analisis Optimalisasi Sistem Operasional Asuransi Syariah di Indonesia Zenita Alvina Fauziah; Risma Syan Sabilla; Rifa Khoerunnisa; Joni Joni
Jurnal Pajak dan Analisis Ekonomi Syariah Vol. 2 No. 4 (2025): Oktober: Jurnal Pajak dan Analisis Ekonomi Syariah
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpaes.v2i4.1579

Abstract

Indonesia is currently experiencing rapid and dynamic development, especially in the field of Sharia insurance. Sharia insurance has become an increasingly important and strategic sector in the Indonesian financial industry. This significant development is clearly reflected in data showing notable and consistent growth in the contribution of Sharia insurance to the overall insurance industry in the country. Sharia insurance is an economic activity that aims to help (ta'awun) and share risks (sharing of risk) among fellow participants in a mutually beneficial manner. Optimizing Sharia operational systems is a both a concept and practical approach to managing the operations of financial institutions or businesses based on Islamic or Sharia principles. The research method used in this study is a descriptive method based on a qualitative approach. The type of research undertaken is literature research, conducted by utilizing literature (references). This research aims to identify various challenges faced in Sharia insurance operational systems.
Dampak Literasi Halal Food dan Kesadaran Sertifikasi Halal terhadap Keputusan Pembelian Korean Food : Studi Kasus Generasi Z Zenita Alvina Fauziah; Risma Syan Sabilla; Rifa Khoerunnisa; Lina Marlina
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 2 No. 4 (2025): Ekonomi Keuangan Syariah dan Akuntansi Pajak (EKSAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v2i4.1584

Abstract

The lifestyle of Indonesian society, especially among Generation Z, has been influenced by globalization and foreign popular culture, specifically the Korean wave or hallyu. Awareness of halal certification and knowledge and literacy about halal food are important to study as they influence Generation Z's purchasing decisions regarding Korean food. This study uses a descriptive method, namely a qualitative approach, while the type of research used is literature research in the form of books, interpretations of the Qur'an, Hadith, and others related to the problem to be solved. Halal food is food and drink that is permissible for consumption according to Islam, i.e., free from haram ingredients such as pork, meat from animals that have not been slaughtered in accordance with Islamic law, and alcohol. To determine whether food is haram, there needs to be a guarantee, such as a halal certificate, which is an absolute step to ensure that a product complies with applicable standards. Korean food is cuisine that has grown and developed from the Korean environment and culture, which has a unique taste, starting from the names of the dishes, which are able to attract the interest of the public, especially Generation Z.  
Analisis Laporan Keuangan dalam Menilai Kinerja Keuangan Bank Syariah di Indonesia Fariz Abdul Hammam; Risma Syan Sabilla; Rifa Khoerunnisa; Joni; Raihani Fauziah
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 3 No. 4 (2026): Maret
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v3i4.7189

Abstract

Penelitian ini bertujuan untuk menganalisis laporan keuangan dalam menilain efisensi produksi serta tingkat kesehatan bank syariah. Analisis laporan keuangan ialah langkah strategis untuk memahami kinerja keuangan bank syariah serta untuk memastikan aspek kepatuhan terhadap prinsip syariah. Laporan ini memiliki karakteristik yang khusus, seperti adanya penerapan akad-akad syariah, diantaranya musyarakah an mudharabah, serta sistem pencatatan yang transparan. Rasio-rasio keuangan yang digunakan untuk mengukur efisiensi operasional, profitabilitas, dan risiko pembiayaan. Namun demikian laporan keuangan memiliki beberapa keterbatasan yang dapat mempengaruhi interpretasi terhadap kondisi riil lembaga perbankan. Oleh kerenanya penggunaan rasio-rasio keuangan menjadi salah satu alat analisis yang penting dalam penilaian kinerja bank syariah di Indonesia. Penelitian ini juga mengkaji analisis rasio keuangan pada Al-Barakah Islamis Invesment Bank sebagai contoh penerapan analisis laporan keuangan dalam praktik perbankan syariah. Selain itu pembahasan mengenai efisiensi produk bank syariah juga dianalisis melalui beberapa indikator untuk memastikan stabilitas serta keberlanjutan operasional lembaga perbankan syariah.
Co-Authors Fariz Abdul Hammam Joni Joni Joni Lina Marlina Raihani Fauziah Risma Syan Sabilla Zenita Alvina Fauziah