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All Journal Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Santri : Jurnal Ekonomi dan Keuangan Islam
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
Perkembangan Industri Halal pada Makanan Pedagang Kaki Lima di Indonesia : Studi Literatur dan Praktik Lapangan Firla Azizah; Cory Vidianti
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 4 No. 2 (2026): Juni: Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v4i2.2321

Abstract

The halal industry is one of the economic sectors experiencing rapid growth in Indonesia, particularly in the food and beverage sector. Street vendors, as micro-enterprises, play a crucial role in providing food for the community and supporting the local economy. This study aims to analyze the implementation of the halal industry among street vendors, determine the level of understanding of halal certification among business actors, and identify challenges and strategies for developing the halal industry in the street food sector. This qualitative study employed a literature review and field research approach. Data were obtained through documentation, interviews, observations, and literature review of scientific journals, articles, halal regulations, and government publications. The study shows that some street vendors have implemented the halal concept by using halal raw materials and maintaining a clean food production process. However, due to financial constraints, a lack of understanding of halal certification procedures, and a lack of knowledge about halal certification among micro-enterprises, many remain halal-certified. Furthermore, street vendors face several challenges, including a lack of halal awareness and competition from modern food businesses. Therefore, a development plan is needed that includes halal education and mentoring, a free halal certification program, digitalization of halal business promotion, and strengthened food product supervision. This will allow the implementation of the halal industry among street vendors to develop optimally and increase customer trust in food products.
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

Salah satu lembaga keuangan berbasis syariah, koperasi syariah memiliki peran penting dalam mendukung perekonomian masyarakat, khususnya untuk pelaku usaha mikro, kecil, dan menengah (UMKM). Tujuan dari penelitian ini adalah untuk mempelajari perkembangan koperasi syariah di Indonesia, serta peran koperasi syariah dalam meningkatkan kesejahteraan masyarakat, serta mengidentifikasi tantangan dan rencana untuk pengembangannya di era saat ini. Penelitian ini adalah penelitian kualitatif yang menggunakan metode studi (literature review). Data yang digunakan dalam penelitian ini berasal dari berbagai sumber, termasuk buku, jurnal ilmiah, artikel ilmiah, peraturan pemerintah, dan publikasi resmi yang berkaitan dengan koperasi syariah. Hasil penelitian menunjukkan bahwa koperasi syariah telah mengalami peningkatan yang signifikan dalam jumlah, aset, dan minat masyarakat terhadap layanan keuangan syariah. Koperasi syariah juga membantu pembiayaan UMKM, meningkatkan kesejahteraan anggota, dan meningkatkan ekonomi syariah di seluruh negeri. Namun demikian, koperasi syariah masih menghadapi banyak tantangan, seperti kurangnya pengetahuan tentang keuangan syariah, keterbatasan modal, kualitas sumber daya manusia, dan persaingan dengan perusahaan fintech dan keuangan digital. Untuk memastikan pertumbuhan berkelanjutan, diperlukan rencana pengembangan yang memperkuat regulasi, digitalisasi layanan koperasi, meningkatkan kualitas SDM, dan memberi masyarakat pengetahuan tentang keuangan syariah.
Co-Authors Cory Vidianti Dini Selasih Gama Pratama Hamam Misbahkhuzein Nur Wulan Ramdhaniah