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All Journal Jurnal Investasi Islam International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) el-Amwal
Agustinar
Universitas Malikussaleh
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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Investasi Syariah Pada Aset Riil UMKM Halal: Kedai Kopi, Ruang Digital, dan Reproduksi Identitas Perempuan Muda Pasca Shariatisme di Aceh Agustinar; Mutia Sumarni; Dessy Asnita
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/qthkpy62

Abstract

Sharia investment in real assets constitutes a crucial pillar in strengthening the Islamic economy, particularly in relation to the sustainability of halal MSMEs. However, in much of the existing literature, Islamic investment is often narrowly understood as a purely financial activity, while the social and cultural dimensions that shape the value of real assets tend to be overlooked. Against this backdrop, this article examines coffee shops in Aceh as a form of halal MSME real asset that has developed within social and digital spaces following the implementation of Islamic law (Sharia).This study employs a qualitative case study approach. Data were collected through field observations, in-depth interviews with business owners, employees, and customers, as well as an analysis of coffee shops’ social media activities. The data were analyzed thematically to understand how Sharia investment value is constructed through everyday practices, social interactions, and digital representations. The findings reveal that coffee shops in Aceh function not merely as business entities but as spaces for the production of Sharia investment value grounded in social legitimacy, adherence to halal norms, and the strategic use of digital platforms. The reproduction of the syar’i-modern young female identity emerges as part of this process, operating as symbolic capital that fosters a sense of safety, social acceptance, and public trust. Nevertheless, the study also identifies tensions between symbolic imagery and managerial practices that may affect the sustainability of investment value.This research underscores that Sharia investment based on real assets should be understood as a dynamic and socially embedded socio-economic process, rather than merely a matter of financial returns.
Transformasi Praktik Jual Beli dalam Ekonomi Digital: Analisis Maqāṣid al-Sharī‘ah terhadap Perilaku Transaksi Perempuan Aceh di Media Sosial Laila Mufida Laila; Munawar Ishak; Agustinar; Dessy Asnita
el-Amwal Vol. 8 No. 1 (2026): El-Amwal
Publisher : Fakultas Ekonomi dan Bisnis Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v8i1.27951

Abstract

This study examines the transformation of Islamic buying and selling practices in the digital economy, focusing on social media-based transactions conducted by Acehnese women. In Aceh, where Islamic law is formally implemented, social media has become a prominent marketplace facilitating various commercial activities. However, digital transactions raise critical concerns regarding compliance with Islamic commercial principles, including contractual clarity, fairness, transparency, and the avoidance of gharar. Employing a qualitative approach with virtual ethnography, this study collects data through social media observation and in-depth interviews with Acehnese women actively engaged in digital transactions. The analysis applies the maqāṣid al-sharī‘ah framework to evaluate the conformity of these practices with Islamic commercial objectives. The findings indicate that most social media-based transactions rely on implicit, unwritten contracts, with varying levels of Sharia literacy among participants. While elements of mutual consent and price agreement are generally present, information asymmetry and potential gharar remain challenges. From a maqāṣid perspective, digital buying and selling practices are considered valid when they promote wealth protection, justice, and public benefit. This study underscores the importance of strengthening Islamic commercial literacy to ensure ethical and sustainable digital trade practices.
FIQH MUAMALAH DALAM TATA KELOLA DANA PUBLIK: STUDI KASUS FILM MERAH PUTIH ONE FOR ALL Dessy Asnita dessy; Dimas Muhammad Hanief Arkaan; Asih Pertiwi; Agustinar
el-Amwal Vol. 8 No. 1 (2026): El-Amwal
Publisher : Fakultas Ekonomi dan Bisnis Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v8i1.27967

Abstract

The animated film project Merah Putih: One For All has attracted widespread public criticism due to the perceived mismatch between the substantial public funding allocated and the quality of its output. Beyond concerns over budget efficiency, the controversy reflects a broader crisis of public trust regarding transparency, accountability, and legitimacy in the management of public funds within the national creative industry. Existing studies generally examine public accountability or creative industry governance separately, whereas this study offers a novel perspective by integrating fiqh muamalah principles with maqashid sharia, particularly the principle of hifz al-mal (protection of wealth), to evaluate public fund management in a state-supported creative project. This study aims to analyze the governance of public funds from the perspective of fiqh muamalah and examine its implications for public trust. A descriptive qualitative approach was employed through document analysis of official reports, news articles, and public discourse on social media, supported by the concepts of amanah, maslahah, and accountability in Islamic public finance. The findings reveal that the project demonstrates inconsistencies between public expenditure and measurable public benefit, indicating shortcomings in the implementation of amanah and maslahah. These shortcomings have contributed to declining public trust and intensified demands for greater transparency and performance-based evaluation of publicly funded creative initiatives. This study contributes to the literature by proposing fiqh muamalah as an ethical-analytical framework for assessing accountability in public fund management within the creative industry, thereby extending the application of Islamic economic principles beyond conventional public finance studies. Keywords: fiqh muamalah, public funds, creative industry, maqashid sharia, public trust
THE EFFECT OF RELIGIOSITY AND BRAND LOYALTY ON PURCHASE DECISIONS (Case Study at Aurel Hijab Shop in Lhokseumawe City) Wilda Khaira; Yulius Dharma; Fuadi; Agustinar; Munardi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 12 (2025): NOVEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18797918

Abstract

This study aims to analyze the influence of religiosity and brand loyalty on consumer purchasing decisions at the Aurel Hijab Store in Lhokseumawe City. This study uses a quantitative approach with a survey method. The research population is consumers of the Aurel Hijab Store, with a sample size of 100 respondents determined using the Lemeshow formula and convenience sampling techniques. Data collection was carried out through a structured questionnaire with a Likert scale, then analyzed using the Statistical Package for the Social Sciences (SPSS) program through multiple linear regression analysis. The results of the study indicate that partially religiosity (X1) has a positive and significant effect on purchasing decisions (Y), as evidenced by a t-test with a significance value smaller than 0.05. This indicates that the higher the level of consumer religiosity, the stronger their tendency to make decisions to purchase hijab products that are in line with Islamic values. Furthermore, brand loyalty (X2) also has a positive and significant effect on purchasing decisions (Y) based on the t-test results, which indicates that consumer loyalty to the brand encourages repeat purchases and product recommendations. Simultaneously, the F-test results show that religiosity and brand loyalty together have a positive and significant effect on purchasing decisions. The coefficient of determination (R²) value of 76.4% indicates that variations in purchasing decisions can be explained by religiosity and brand loyalty, while the rest is influenced by other variables outside the research model. This finding confirms that consumer purchasing decisions for hijab are not only determined by brand loyalty, but also by the suitability of the product with the religious values held by consumers.
Co-Authors Asih Pertiwi Dessy Asnita Dessy Asnita Dessy Asnita dessy Dimas Muhammad Hanief Arkaan Fuadi Fuadi Laila Mufida Laila Munardi Munardi Munawar Ishak Mutia Sumarni Wilda Khaira Yulius Dharma