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Development of Islamic Value-Based Economics from a Sharia Economic Perspective Intan Permata Sari; Mohammad Fattah
Ushul Al-Hukm: Jurnal Syariah dan Hukum Islam Vol. 1 No. 2 (2025)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/ushulalhukm.v1i2.33

Abstract

Modern economics, developed within a positivistic paradigm, often neglects ethical, spiritual, and social dimensions, giving rise to various problems such as inequality and consumer behavior. In the context of Indonesia, where the majority of the population is Muslim, the development of economics based on Islamic values ​​is a crucial academic and pedagogical need, particularly in Islamic Religious Education (PAI). This study aims to examine the development of economics based on Islamic values ​​from a sharia economic perspective and its implications for PAI. The study employed a qualitative approach with library research, with data sources consisting of Islamic economics literature, maqasid al-syariah, and national journal articles related to sharia economics and Islamic education. Data were analyzed descriptively and analytically through content analysis to identify Islamic values ​​and their relevance to the development of Islamic Religious Education and learning. The study results indicate that Islamic economics is a value-laden discipline with maqasid al-syariah as a normative and analytical framework. The integration of Islamic economics into PAI has strategic implications for strengthening sharia economic literacy, internalizing values, and shaping students' economic character. This study emphasizes the importance of an integrative model between Islamic economics and Islamic Religious Education in responding to contemporary socio-economic challenges.
Analisis Minat Nasabah Dalam Menggunakan Produk Gadai di Bank Syariah Indonesia KCP Sumenep Holilur Rahman; Intan Permata Sari
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1007

Abstract

Financing through pawn products is generally available at pawnshop institutions, but along with the development of Islamic finance, Bank Syariah Indonesia (BSI) also participated in financing opportunities for 732 people through pawn. The large interest of these customers needs to be analyzed considering that BSI, a sharia financial institution that initially focused on savings and financing, is currently shifting to pawn products. This study uses a descriptive qualitative research approach with a case study type. Data collection techniques used are observation, interviews and documentation. The results of the study indicate that the marketing strategy of BSI KCP Sumenep offers gold pawn services using Philip Kotler's strategy, namely: product strategy, price, place and promotion and one of the innovations of BSI KCP Sumenep itself is market raids and casual walks (JJS). Advantages The application procedure is very easy to do, the loan process is very fast, the BSI KCP Sumenep gold pawn product itself is able to provide relatively large loan funds, customers receive loans to customer accounts, collateral is stored safely at BSI and notification to customers who pawn gold at BSI when the due date, with that customers are interested in using pawn products at BSI KCP Sumenep.