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All Journal Journal of Islamic Economy INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Siti Masrohatin
Pascasarjana UIN Kiai Haji Achmad Siddiq Jember
Economics, Econometrics & Finance

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The role of Islamic economics in improving social and economic welfare Firdiyatul Jannah; Siti Masrohatin; Retna Anggitaningsih
Journal of Islamic Economy Vol. 2 No. 1 (2025): MARCH-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/1bm67w34

Abstract

This study aims to analyze the role of sharia economics in improving social and economic welfare through the Systematic Literature Review (SLR) approach. This method is carried out in a structured manner to collect, evaluate, and analyze literature relevant to the research topic. The first stage is to formulate research questions regarding the contribution of sharia economics in poverty alleviation and financial inclusion. Literature was collected from scientific databases such as Google Scholar, Scopus, and ScienceDirect with keywords related to sharia economics and social welfare. Literature selection is carried out based on inclusion and exclusion criteria to ensure quality and relevance. The data obtained was analyzed using a thematic analysis method, grouping the findings into main themes such as the role of zakat, Islamic banking, and the impact of waqf on the community's economy. Validation is carried out using the Critical Appraisal Skills Programme (CASP) tool to ensure the quality of the articles analyzed. The results of the study show that sharia economics plays a significant role in improving social and economic welfare with the principles of social justice, sustainability, and social responsibility. Instruments such as zakat, waqf, infaq, and alms contribute greatly to community empowerment and the reduction of economic disparities. However, the development of the Islamic economy still faces challenges such as lack of understanding, inadequate regulations, and competition with conventional economic systems. Therefore, education, regulatory improvement, and integration with the global market are needed to maximize the benefits of the sharia economy.
THE IMPACT OF SUSTAINABLE TOURISM DEVELOPMENT ON THE FULFILLMENT OF DHARURIYYAT NEEDS THROUGH INCOME AS AN INTERVENING VARIABLE IN PULAU MERAH, BANYUWANGI Hanima Khirda Luthfiana; Misbahul Munir; Siti Masrohatin
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 6 (2025): JUNE
Publisher : Adisam Publisher

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Abstract

This study aims to examine the impact of sustainable tourism development on the fulfillment of dharuriyyat (essential) needs in Pulau Merah, Banyuwangi, by considering income as an intervening variable. The research is motivated by the increasing importance of tourism as a driver of regional economic growth, with the potential to elevate community welfare when implemented sustainably. Sustainable tourism is not only expected to support environmental and cultural preservation but also improve the economic conditions of local communities through enhanced income generation. Employing a quantitative explanatory research approach, data were collected through structured questionnaires from 130 respondents, comprising tourism actors and local residents. Path analysis was conducted using SPSS to assess direct and indirect effects among variables. The findings reveal that sustainable tourism development significantly and positively influences both income and the fulfillment of dharuriyyat needs. Additionally, income is found to have a strong effect on the fulfillment of these essential needs. However, income does not function as a mediating variable in the relationship between sustainable tourism development and dharuriyyat fulfillment. These results suggest that while sustainable tourism can directly enhance community welfare, the role of income as an intermediary is limited. The study underscores the importance of inclusive tourism development strategies, active community participation, and alignment with the maqashid al-shariah framework to ensure equitable benefits and sustainable welfare for local populations. Policy implications include the need for capacity-building programs, eco-friendly tourism incentives, and integrated planning that balances economic growth with the protection of social and environmental values.
SERVICE QUALITY IMPROVEMENT STRATEGIES IN THE USE AND SECURITY OF MOBILE BANKING FROM THE PERSPECTIVE OF MASLAHAH MURSALAH AMONG BANK MANDIRI CUSTOMERS IN THE JEMBER AREA Lutfia Farhatul Mahmuda; Misbahul Munir; Siti Masrohatin
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 6 (2025): JUNE
Publisher : Adisam Publisher

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Abstract

This study aims to explore strategies for improving service quality in the use and security of mobile banking from the perspective of Maslahah Mursalah among Bank Mandiri customers in the Jember area. The concept of Maslahah Mursalah, which emphasizes public interest and welfare, serves as a theoretical foundation to evaluate how service quality enhancement can align with customers’ needs and security concerns. Using a qualitative approach, data were collected through in-depth interviews and surveys involving Bank Mandiri customers actively using mobile banking services. The findings reveal that customers prioritize ease of use, transaction security, and responsive customer support as critical factors for service quality improvement. Furthermore, the study identifies several strategic measures, such as implementing advanced encryption technology, enhancing user education on mobile security, and optimizing application interfaces to increase trust and satisfaction. This research contributes to both academic knowledge and practical applications by integrating Islamic ethical principles with contemporary banking service quality management. The results recommend that banks consider the Maslahah Mursalah framework to foster better customer relations, reduce security risks, and promote sustainable mobile banking usage. This approach not only strengthens financial inclusion but also ensures that technological advancements respect the welfare and security of all stakeholders.
Co-Authors Firdiyatul Jannah Hanima Khirda Luthfiana Lutfia Farhatul Mahmuda Misbahul Munir Retna Anggitaningsih