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All Journal Jurnal Ekonomi : Journal of Economic INFERENSI Kodifikasia: Jurnal Penelitian Islam JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Indonesia Journal of Halal JURNAL PENDIDIKAN TAMBUSAI FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Business, Economics and Entrepreneurship Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Cendekia Niaga Al-Sharf: Jurnal Ekonomi Islam Jurnal Investasi Islam MUBEZA Pemikiran Hukum dan Ekonomi Islam Journal of Islamic Economic and Business Research Journal Of Sharia Banking ProBisnis : Jurnal Manajemen Al-Buhuts (e-journal) EKSYA: Jurnal Ekonomi Syariah International Journal Mathla'ul Anwar of Halal Issues Al Dzahab Jurnal Riset Ekonomi Syariah Al-Iqtishad : Jurnal Ekonomi Saree : Research in Gender Studies Sosiologia : Jurnal Agama dan Masyarakat Al Hisab: Jurnal Ekonomi Syariah Journal of Islamic Economics and Finance AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Amal: Jurnal Ekonomi Syariah Ekonom : Jurnal Ekonomi dan Bisnis AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Al-ittifaq JSE: Jurnal Sharia Economica Jurnal Bisnis dan Ekonomi Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah J-ISCAN : Journal of Islamic Accounting Research JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Tijarah GREAT: Jurnal Manajemen dan Bisnis Islam Malik Al-Shalih Mu'amalatuna: Jurnal Ekonomi Syariah Jurnal Kolaborasi Akademika Taraadin : Jurnal Ekonomi dan Bisnis Islam Seumike : Society Progress Journal J-EBI Jurnal Ekonomi dan Bisnis Islam
Malahayatie, Malahayatie
Universitas Islam Negeri Sultanah Nahrasiyah Lhokseumawe
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Physics Social Sciences Other

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FINANCIAL OPTIONS TRENDS: DIGGING THE REASONS BEHIND THE GROWTH OF CUSTOMER INTEREST IN SHARIA BANK INDONESIA Wati, Asiah; Rahmawati, Rahmawati; Malahayatie, Malahayatie; Lestari, Arum Fitri; Rehan, Muhammad
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 1 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i1.8530

Abstract

BSI is a Sharia Commercial Bank as a result of the merger of three banks, BRIS, BNIS, and Mandiri Syariah. After the merger, BSI's assets became larger, but it is necessary to examine the things that affect customers to save at BSI, because of the merger, knowledge, services, and IT used by BSI. This study aims to determine the influence of knowledge, mergers, services, and IT on the interest of becoming a BSI customer. This study is a quantitative research using primary data. The population in this study is the entire academic community of UIN Raden Mas Said Surakarta with a sample of 113 respondents. The data collection technique uses questionnaires. The results of this study show that knowledge has no effect on interest in becoming a BSI customer. However, mergers, services, and IT have a significant impact on interest in becoming a BSI customer.
PEMETAAN DAYA SAING UMKM INDUSTRI HALAL LOKAL MENGGUNAKAN PENDEKATAN GARTNER: STUDI KASUS MINUMAN BUNGA TELANG BU NITA DI LHOKSEUMAWE, ACEH Safira, Haura; Malahayatie, Malahayatie
Jurnal Ekonomi : Journal of Economic Vol 16, No 02 (2025): Jurnal Ekonomi : Journal of Economic
Publisher : Lembaga Penerbitan Unversitas Esa Unggul

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47007/jeko.v16i02.9594

Abstract

Penelitian ini bertujuan untuk memetakan daya saing UMKM industri halal lokal menggunakan pendekatan Gartner melalui kerangka Hype Cycle dan Magic Quadrant, dengan studi kasus pada usaha Minuman Bunga Telang Bu Nita di Lhokseumawe, Aceh. Penelitian ini dilakukan karena masih terbatasnya literatur yang mengintegrasikan prinsip industri halal dan pemetaan teknologi pada skala UMKM. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode observasi lapangan dan studi literatur. Data dikumpulkan melalui wawancara langsung dengan pelaku UMKM dan ditelaah dengan menggunakan kerangka analisis Gartner. Hasil penelitian menunjukkan bahwa UMKM Bu Nita telah menunjukkan tingkat inovasi yang baik dalam pengembangan produk dan strategi pemasaran berbasis digital, serta telah memperoleh sertifikasi halal dari MUI. Dalam Hype Cycle, UMKM Bu Nita dipetakan berada pada tahap Slope of Enlightenment karena telah melalui fase eksperimen awal dan mulai memperoleh manfaat nyata dari strategi digital dan pengembangan produk berbasis nilai tambah halal. Sementara itu, dalam Magic Quadrant, UMKM Bu Nita berada dalam kategori Niche Player karena memiliki eksekusi yang baik di pasar lokal namun masih terbatas dari sisi visi dan inovasi teknologi. Penelitian ini menyimpulkan bahwa pendekatan Gartner dapat menjadi alat strategis dalam menilai kesiapan daya saing UMKM halal untuk naik kelas secara sistematis.
AN EMPIRICAL ANALYSIS OF SUKUK ISSUANCE AND GOOD CORPORATE GOVERNANCE (GCG) AS DETERMINANTS OF CORPORATE PROFITABILITY IN IDX-LISTED FIRMS Zhohra, Fatimah; Malahayatie, Malahayatie; Rofizar, Heny
J-ISCAN: Journal of Islamic Accounting Research Vol. 7 No. 1 (2025): J-ISCAN : Journal of Islamic Accounting Research
Publisher : Universitas Sultanah Nahrasiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v7i1.7037

Abstract

Profitability as one of the key benchmarks for measuring a firm’s earnings, is crucial for determining whether the company has operated its business efficiently. Profitability ratios also serve as measurement tools used to assess a company’s effectiveness in generating profits. One such ratio is Return on Equity (ROE), which is considered one of the cleanest measures of return. Among the investment products currently developing in the Islamic capital market is sukuk. Through sukuk, a company can obtain funding sources and potentially generate profits. Sukuk serve as an alternative for companies to attract investors to commit their capital, and every company is required to implement Good Corporate Governance (GCG) to sustain its long-term viability. This study employs a causative quantitative approach, with data processed using the E-Views application. The sample consists of 27 companies. The sampling technique used in this study is the purposive sampling method. The selected companies are those listed on the Indonesia Stock Exchange (IDX) during the 2017–2021 period, resulting in a total sample of 27 companies. The partial test results indicate that sukuk issuance has no significant effect on profitability. In contrast, Good Corporate Governance (GCG) exhibits a negative effect on firm profitability. However, the simultaneous analysis reveals that sukuk issuance and GCG jointly exert a positive influence on corporate profitability.
Implementasi Konsep Halal dalam Operasional UMKM: Studi Kasus Cafetaria Cake di Krueng Geukuh, Dewantara, Aceh Utara Wahdini, Nurul; Malahayatie, Malahayatie
Indonesia Journal of Halal Vol 8, No 2 (2025): IJH:
Publisher : Pusat Kajian Halal Undip

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/halal.v8i2.28620

Abstract

Studi kasus ini meneliti Cafetaria Cake di Krueng Geukuh, Kecamatan Dewantara, Kabupaten Aceh Utara. Tujuan dari penelitian ini adalah untuk mempelajari bagaimana konsep halal dapat diterapkan dalam operasi usaha mikro, kecil dan menengah (UMKM). Konsep halal tidak hanya mencakup bahan baku makanan, tetapi juga semua proses yang terlibat dalam proses produksi, penyimpanan, distribusi dan penyajian makanan. Dengan menggunakan metodologi studi kasus, pendekatan kualitatif digunakan dalam penelitian ini. Data dikumpulkan melalui observasi langsung, wawancara mendalam dengan pemilik dan karyawan, serta dokumentasi operasi. Hasil penelitian menunjukkan bahwa Cafetaria Cake telah mengikuti prinsip halal di setiap langkah bisnisnya, meskipun belum sepenuhnya disertifikasi secara halal oleh lembaga yang berwenang. Sangat penting bagi bisnis untuk menyadari pentingnya produk halal, terutama di Aceh, di mana mayoritas orang beragama Islam. Menurut penelitian ini, pelaku UMKM harus mendapatkan bimbingan dan pelatihan agar mereka dapat memenuhi standar halal secara menyeluruh, termasuk proses sertifikasi, sehingga mereka lebih kompetitif dan mendapatkan kepercayaan konsumen.
The Mosque Waqf Model In The Concept Of Justice In The Distribution Of Wealth To The Community In Indonesia Ayu Tridayana; Malahayatie; Taufiq
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 2 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i2.6729

Abstract

This research examines mosque waqf management models in the context of wealth distribution justice in Indonesia, with the aim of understanding and mapping mosque waqf management practices on the islands of Sumatra, Java, and Kalimantan. The background of the problem raised is the inequality in the distribution of benefits of mosque waqf which is still consumptive and less productive, despite the enormous potential of waqf assets. The research method used is a literature review, with analysis of various relevant secondary data sources. The results show that mosque waqf management in Indonesia is still dominated by traditional approaches that prioritize physical development, while efforts to utilize assets productively are still limited. The conclusion of this study emphasizes the need for a more sustainable and productive mosque waqf management model to reduce economic inequality and improve community welfare
Development of Islamic Economic Concepts in Mohammad Hatta's Thoughts on People's Economy: An Analytical Study of Cooperatives and Society Malahayatie; Ramadhana, Safna; Rizki, Munawar
Journal of Islamic Economic and Business Research Vol. 5 No. 2: December 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i2.427

Abstract

This study analyzes the development of Islamic economic principles within Mohammad Hatta’s concept of the people’s economy, with a focus on the cooperative system as a foundational instrument for achieving economic justice and social welfare. Using a qualitative library research methodology, the analysis focuses on Hatta’s major economic works, which discuss the structure, objectives, and ethical foundations of cooperatives in relation to Islamic economic values. The purpose of this study is to explore how Hatta conceptualizes the people’s economy and to examine the extent to which his ideas align with and contribute to the development of Islamic economic thought. The findings reveal that Hatta’s model of the people’s economy emphasizes collective ownership, social solidarity, self-help, and economic democracy through production, credit, and consumption cooperatives, all of which reflect principles of fairness, mutual assistance, and moral responsibility. The study further finds that the values embedded in Hatta’s economic vision are consistent with Islamic principles such as Tawhid, Mashlahah, justice, cooperation, and voluntary consent in transactions. However, certain cooperative practices, particularly in consumption and credit structures, require reform to eliminate debt-based mechanisms and penalties that conflict with sharia provisions on leniency and prohibitions against exploitation. This study concludes that Hatta’s people’s economy presents a strong philosophical and practical foundation for the advancement of Islamic economics, offering a model that integrates ethical values with social empowerment and economic inclusivity.
Relevansi Kebijakan Keuangan Publik Umar bin Abdul Aziz dalam Menjawab Tantangan Ekonomi Indonesia Malahayatie, Malahayatie; Haura Safira
Jurnal Riset Ekonomi Syariah Volume 5, No. 2, Desember 2025 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v5i2.7196

Abstract

Abstract. Poverty, economic disparity, and inefficiency in public budgets remain significant obstacles to Indonesia's economic growth. Based on the ideas of justice, efficiency, and social welfare, this study seeks to assess the application of Umar bin Abdul Aziz's public finance policies in the face of Indonesia's economic difficulties. Using a descriptive qualitative method based on literature study, this research examines Umar bin Abdul Aziz's policies in zakat management, tax reform, and budget efficiency. The findings of this study show that Umar bin Abdul Aziz's policies such as zakat-based wealth redistribution, elimination of discriminatory taxes, and budget allocation focused on the needs of the people succeeded in promoting economic justice and reducing poverty. These findings are relevant to Indonesia's current conditions, particularly in terms of increasing budget transparency, strengthening results-based fiscal policies, and integrating zakat instruments into the national financial system. This research offers theoretical and practical approaches for policymakers to create a more equitable and welfare-oriented public finance system. Abstrak. Kemiskinan, kesenjangan ekonomi, dan inefisiensi dalam anggaran publik masih menjadi hambatan yang signifikan bagi pertumbuhan ekonomi Indonesia. Berdasarkan gagasan keadilan, efisiensi, dan kesejahteraan sosial, penelitian ini berusaha untuk menilai penerapan kebijakan keuangan publik Umar bin Abdul Aziz dalam menghadapi kesulitan ekonomi Indonesia. Dengan menggunakan metode kualitatif deskriptif berbasis studi pustaka, penelitian ini mengkaji kebijakan Umar bin Abdul Aziz dalam pengelolaan zakat, reformasi pajak, dan efisiensi anggaran. Temuan-temuan penelitian ini menunjukkan bahwa kebijakan Umar bin Abdul Aziz seperti redistribusi kekayaan berbasis zakat, penghapusan pajak yang diskriminatif, dan alokasi anggaran yang difokuskan pada kebutuhan masyarakat berhasil mendorong keadilan ekonomi dan menurunkan angka kemiskinan. Temuan tersebut relevan dengan kondisi Indonesia saat ini, terutama dalam peningkatan transparansi anggaran, penguatan kebijakan fiskal berbasis hasil, serta integrasi instrumen zakat dalam sistem keuangan nasional. Penelitian ini menawarkan pendekatan teoritis dan praktis bagi pembuat kebijakan untuk menciptakan sistem keuangan publik yang lebih adil dan berorientasi pada kesejahteraan masyarakat.
KONSEP HALAL HARAM DALAM EKONOMI ISLAM Nurjaijah Lingga; Malahayatie Malahayatie
J-EBI Jurnal Ekonomi dan Bisnis Islam Vol 3 No 02 (2024): Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam K.H. Sufyan Tsauri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57210/j-ebi.v3.i02.76

Abstract

In the context of growing globalization, understanding the concepts of halal and haram in Islamic economics is crucial. This concept functions as a guide to determine the legality of actions and reflects the moral and ethical values ​​in Islamic teachings. Halal means “permitted” and haram means “prohibited,” both of which underlie Muslims' economic decisions. The main sources of this concept are the Koran and Hadith, but its application is increasingly complex along with innovations in financial instruments and market developments. This type of research is library research with a qualitative approach. This research pays more attention to the concepts of halal and haram in the lives of Muslims which are clearly outlined in the Naqli proposition. The research results show that Islam teaches that the rules of halal (mubah) and haram are not determined by the needs of individuals or society. Halal has become an integral part of the value framework in Islamic science, functioning as a guideline that directs the behavior of the community. Thus, it can be concluded that halal philosophy includes several aspects. From an ontological perspective, halal is related to understanding the nature of something. From an epistemological perspective, halal rules are related to efforts to understand Islam correctly through a proper study process. This includes efforts or "ijtihad" to apply halal rules in sharia economic transactions. Meanwhile, from an axiological perspective, halal rules play an important role in providing appropriate guidance for humans in living their lives.
Consumer Behavior in the TikTok Era: An Islamic Consumption Perspective—A Systematic Literature Review Rahmi, Mutia; Malahayatie, Malahayatie; Taufiq, Taufiq
Al Dzahab Vol. 7 No. 1 (2026): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v7i1.5631

Abstract

Purpose: This study aims to examine the challenges and implementation of Islamic consumption principles in the digital era, particularly in shaping consumer behavior on TikTok. The study highlights key issues such as digital consumerism, algorithm-driven influence, and the emergence of hedonistic consumption patterns that may contradict Islamic values. Design/Methodology/Approach: This study employs a qualitative approach using a systematic literature review method. It synthesizes and critically evaluates prior studies on Islamic consumption and digital consumer behavior to develop a comprehensive understanding of consumption practices in the TikTok era. Findings: The findings reveal that the implementation of Islamic consumption principles on TikTok faces substantial challenges. The dominance of consumerist culture, limited literacy regarding halal and ethical consumption, and the persuasive nature of TikTok’s algorithm encourage impulsive and excessive consumption. These conditions create a gap between actual consumer behavior and Islamic values such as moderation (wasatiyyah) and responsibility. Research Implications: This study underscores the importance of strengthening Islamic consumer literacy and promoting ethical digital consumption. Strategic efforts such as value-based content creation, public education on halal consumption, and support for responsible consumer behavior are essential to align digital consumption practices with Islamic principles. This study also contributes theoretically by integrating Islamic consumption ethics with contemporary digital consumer behavior.
OPTIMALISASI PEMANFAATAN HARTA WARISAN : KUNCI MENINGKATKAN EKONOMI KELUARGA Windatria Windatria; Malahayatie Malahayatie; Taufiq Taufiq
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/y10qf332

Abstract

The distribution of wealth in Islam is a strategic instrument for achieving social justice and equitable welfare. One important mechanism in this distribution is the inheritance system (faraidh), which not only functions as a mechanism for transferring wealth between generations, but also as a means of maintaining economic balance and family harmony. This study aims to analyze the optimization of inheritance utilization in supporting family economic empowerment and to identify various challenges faced in its management. This study uses a qualitative approach based on literature review by examining various research results related to productive inheritance management. The results of the study show that transparent, fair, and Sharia-compliant inheritance management has the potential to improve the welfare of heirs, strengthen family solidarity, and create sustainable business opportunities. However, a lack of understanding of faraidh law, conflicts between heirs, and weak legal documentation are major challenges that often hinder the optimization of inheritance assets. Therefore, education, open communication, and professional asset management are needed so that inheritance assets can contribute maximally to the economic development of the community.
Co-Authors Abubakar Iskandar Adzkia, Salsabila Agus Ariyanto Aina Salsabila Akmalia, Nurul Aldri Frinaldi Ali Muhayatsyah Amirul Mukminin Anatasha, Syaira Ara, Wali Armanda, Dicky Asra Asra Ayu Tridayana Balqis, Yasmina Eliana Eliana Erlidawati Erlidawati Eva Heliza Hartanti Dewi Hasan Syakri, wulan Gustina Putri Haura Safira Heny Rofizar Imeliani, Sandrina Dimas Indradewa, Rhian Irmayani Irmayani Isra Maulina Lestari, Arum Fitri Luthfy Arwiya Mahira, Ulva Maliya, Laina Maryamah Maryamah Maulana, Nora Maulidansyah MIFTAHUL JANNAH Miftahul Jannah Muhammad Naufal, Muhammad Muhayatsyah, Ali Munawar Rizki Jailani Munira, Azkia Muslina Mutia Rahmi Nabilah Putri Andini Naila Tasya Nora Maulana Nurhasanah, Ishma Nuril Husna Nurjaijah Lingga Nurul Wahdini Oktafiani, Fina Panira, Sismaul Putri, Delima Oktaviani Qusairy, Rayhan Rahma Nurzianti Rahmawati Rahmawati Rahmawati, Rahmawati Rahmi, Mutia Rakhilia, Dedek Ramadani, Sari Ramadhana, Safna Rani Andriani, Rani Razali Razali Razali, Ramadhan Rehan, Muhammad Riska Nanda Safira, Haura Safrina, Lia Salvia, Putri Nabila Siti Nurhaliza Surya Fatma Suryani Suryani Syaputri, Rahmi Taufiq Taufiq Taufiq Uswatun Hasanah Wahdini, Nurul wati, asiah Windatria Windatria Wira, Wiranda Wiranda Yani Rizal Yani Rizal Yulyani Fitri Zhohra, Fatimah Zuhra Tarina, Indah Vellicia Zulfahmi Zulfikar Zulia (IAIN Lhokseumawe), Silvina