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All Journal Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Santri : Jurnal Ekonomi dan Keuangan Islam Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Firla Azizah
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Konseptual Peran Uang dalam Menunjang Pertumbuhan Ekonomi: Perspektif Ekonomi Konvensional dan Syariah Hamam Misbahkhuzein; Nur Wulan Ramdhaniah; Firla Azizah; Gama Pratama
Inisiatif: Jurnal Ekonomi, Akuntansi dan Manajemen Vol. 4 No. 4 (2025): Oktober: Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/inisiatif.v4i4.5294

Abstract

This study seeks to conceptually examine the role of money in fostering economic growth from two different perspectives: conventional economics and Islamic economics. Money functions as a core element within the economic system, serving not only as a medium of exchange, a unit of account, and a store of value but also as a central driver of economic activity. In conventional economics, the role of money is closely linked to monetary policy, interest rate mechanisms, and market dynamics that influence investment, consumption, and inflation. Maintaining monetary stability is viewed as a key factor in achieving macroeconomic equilibrium and supporting national growth. Conversely, Islamic economics perceives money not as a tradable commodity for profit but as a trust (amanah) that should be directed toward productive and just economic activities. The Islamic system prohibits usury (riba), speculation (gharar), and uncertainty, while emphasizing the integration of the monetary and real sectors. In this framework, money serves as a means of equitable wealth distribution through mechanisms such as profit-sharing, zakat, waqf, and other Islamic financial instruments designed to promote social justice and economic fairness. This research adopts a qualitative descriptive approach using the library research method. Data were drawn from academic sources, including economic textbooks, peer-reviewed journals, and official reports issued by financial institutions. The findings suggest that sustainable economic growth can only be achieved through a balanced relationship between market efficiency and social justice. Integrating the rational principles of conventional economics with the ethical and moral foundations of Islamic economics can contribute to the creation of a more inclusive, stable, and sustainable economic system. Ultimately, this study is expected to enrich theoretical discourse in the field of monetary economics and enhance understanding of the role of money in developing a fair and equitable economy. Moreover, it serves as a valuable reference for formulating Islamic monetary policies aligned with national development goals and the principles of maqashid al-shariah
Peran Koperasi dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat Firla Azizah; Dini Selasih
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 3 (2026): Juni: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i3.2286

Abstract

Sharia cooperatives, one of the sharia-based financial institutions, play a vital role in supporting the community's economy, particularly for micro, small, and medium enterprises (MSMEs). The purpose of this study is to examine the development of sharia cooperatives in Indonesia, their role in improving community welfare, and to identify challenges and plans for their development in the current era. This is a qualitative study using a literature review method. The data used in this study comes from various sources, including books, scientific journals, scientific articles, government regulations, and official publications related to sharia cooperatives. The results show that sharia cooperatives have experienced a significant increase in the number, assets, and public interest in sharia financial services. Sharia cooperatives also help finance MSMEs, improve member welfare, and boost the sharia economy throughout the country. However, sharia cooperatives still face many challenges, such as a lack of knowledge about sharia finance, limited capital, the quality of human resources, and competition from fintech and digital finance companies. To ensure sustainable growth, a development plan is needed that strengthens regulations, digitizes cooperative services, improves human resource quality, and provides the public with knowledge about Islamic finance.
Teknologi, Inovasi, dan Pertumbuhan Ekonomi Islam di Negara Muslim Firla Azizah; Ival Fadliyanto; Julfie Zahara
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 3 (2025): Mei: Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i3.2277

Abstract

This study examines the role of technology and innovation in supporting the growth of the Islamic economy in Muslim countries. The development of digital technology has brought significant changes to people's lives, particularly in economic activities. The presence of the internet, smartphones, and various digital platforms has made economic activities easier, faster, and more practical. This research shows that technology and innovation have a significant influence on the development of the Islamic economy. Technology helps people access Islamic economic services more easily and efficiently. Overall, technology and innovation play a crucial role in strengthening the growth of the Islamic economy in the digital era. Therefore, support from the government, financial institutions, the business community, and the public is needed to ensure that the use of technology in the Islamic economy can develop optimally and remain in accordance with Sharia values.
Co-Authors Dini Selasih Gama Pratama Hamam Misbahkhuzein Ival Fadliyanto Julfie Zahara Nur Wulan Ramdhaniah