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All Journal Journal of Economic & Business Law Review Jurnal Ekonomi Syariah
Maulidayati
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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NILAI DAN PRAKTIK ETIKA EKONOMI ISLAM DI LEMBAGA KEUANGAN SYARIAH Nor Alia; Maulidayati
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 01 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i01.489

Abstract

Over the past two decades, Islamic Financial Institutions (IFIs) in Indonesia have undergone significant growth, beginning with the establishment of Baitul Maal wat Tamwiil (BMT) in 1984. These institutions emerged in response to the public’s demand for Sharia-compliant financial services free from riba (usury). Unlike conventional financial institutions, IFIs operate in accordance with Islamic principles derived from the Qur’an and Hadith, strictly avoiding prohibited elements such as maysir (speculation), gharar (uncertainty), riba (interest), and other unlawful practices. This study adopts a literature review approach, drawing data from relevant books and scholarly journals. IFIs serve as intermediaries between those requiring funds and those with surplus capital through profit-sharing mechanisms. Moreover, they play a vital role in managing social funds—such as zakat, infaq, and sadaqah—to promote community economic welfare. The article further explores the ethical values embedded in IFI business practices and products, while emphasizing their crucial contribution to fostering economic growth and social justice in Indonesia.
Analisis Teori Max Weber Pada Preferensi Perilaku Konsumsi Mahasiswa di Platform E-Commerce (Perspektif Ekonomi Syariah) Maulidayati; Muhsin Aseri; Tri Hidayati
Journal of Economic and Business Law Review Vol. 5 No. 1 (2025): Journal of Economic & Business Law Review
Publisher : Pusat Kajian Hukum Perbankan Fakultas Hukum Universitas Jember

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Abstract

The advancement of digital technology has transformed student consumption patterns, particularly through e-commerce platforms like Shopee and Tokopedia. This article analyzes student consumption behavior using Max Weber's social action theory and an Islamic economic perspective. Employing a qualitative, descriptive-analytical method, data were gathered through in-depth interviews with students who actively use e-commerce. The study reveals that student consumption is influenced not only by instrumental rationality but also by social, cultural, and religious values. From an Islamic economic viewpoint, some behaviors—such as excessive consumption, use of paylater services, and neglect of halal product considerations—do not align with ethical consumption principles. The findings highlight the need for increased Islamic economic literacy that extends beyond fiqh muamalah to encompass social ethics and awareness in digital transactions. Keywords: Action Theory, student consumption, e-commerce
EFISIENSI DIGITALISASI DALAM PENINGKATAN PENETRASI PASAR KEUANGAN SYARIAH Maulidayati; Alia, Nor
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.490

Abstract

Digitalisasi telah menjadi salah satu kekuatan pendorong utama dalam transformasi industri keuangan, termasuk sektor keuangan syariah. Artikel ini membahas bagaimana efisiensi yang dihasilkan oleh digitalisasi dapat meningkatkan penetrasi pasar keuangan syariah, dengan menyoroti dampak teknologi terhadap aksesibilitas, inklusi keuangan, dan penyederhanaan proses layanan perbankan syariah. Melalui penerapan teknologi digital seperti mobile banking, fintech, dan blockchain, lembaga keuangan syariah mampu memperluas jangkauan mereka kepada segmen pasar yang sebelumnya terabaikan, seperti masyarakat di daerah terpencil dan kalangan milenial yang lebih akrab dengan teknologi. Selain itu, digitalisasi juga memungkinkan pengurangan biaya operasional, peningkatan kecepatan transaksi, serta transparansi yang lebih tinggi, yang pada gilirannya meningkatkan kepercayaan publik terhadap sistem keuangan syariah. Penelitian ini mengkaji beberapa inisiatif digital yang telah berhasil diterapkan oleh bank-bank syariah di berbagai negara, serta tantangan yang dihadapi dalam upaya meningkatkan penetrasi pasar. Hasilnya menunjukkan bahwa meskipun ada beberapa hambatan seperti regulasi dan adopsi teknologi, digitalisasi tetap menjadi faktor kunci dalam mempercepat ekspansi pasar keuangan syariah di tingkat global.
Co-Authors Alia, Nor Muhsin Aseri Nor Alia Tri Hidayati