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All Journal Ekosiana : Jurnal Ekonomi Syariah International Journal of Economics, Management and Accounting
Dwi Ayu Widyaningsih
Institut Al-Ma’arif Way Kanan, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Influence of Islamic Economic Education on the Level of Public Awareness in Managing Finances Dwi Ayu Widyaningsih; Emilda Sari; Selly Silviawati; Asep Muhammad Adam; Panji Lukito; Majdi Kasheem
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 8 (2026): January
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i8.361

Abstract

This study aims to analyze the influence of Islamic economic education on the level of public awareness in managing finances. The research method used is descriptive qualitative research with data collection techniques through interviews and observations. The research sample consisted of 20 respondents consisting of the public who are active in Islamic economic activities. The results of the study indicate that Islamic economic education has a significant influence on the level of public awareness in managing finances, which is reflected in several aspects, namely increased awareness of the importance of managing finances in an Islamic manner, increased community ability to manage finances effectively and efficiently, and increased awareness of the importance of zakat and alms to improve community welfare. The conclusion of this study is that Islamic economic education plays an important role in increasing public awareness in managing finances. Therefore, it is recommended for Islamic economic education institutions to improve the quality of economic education delivered to the community.
Conceptual Study of the Ijarah Contract in Modern Sharia Business in the Digital Economy Era Duwi Lestari; Erwina Mutiara Sari; Cindi Melinda Sari; Dwi Ayu Widyaningsih; Roehana Rofaidatun Umroh
Ekosiana Jurnal Ekonomi Syari ah Vol. 13 No. 2 (2026): Ekosiana : Jurnal Ekonomi Syariah (IN PROGRESS)
Publisher : Program Studi Ekonomi Syariah, STAI AN-NAJAH INDONESIA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47077/ekosiana.v13i2.680

Abstract

This study aims to analyze the concept of the ijarah contract from the perspective of Islamic business, examine its implementation in modern business practices, and identify the challenges of its application in the development of the contemporary economy. This research employs a library research method with a qualitative approach through the analysis of books, scientific journals, DSN-MUI fatwas, and relevant laws and regulations. The findings indicate that the ijarah contract possesses high flexibility and relevance in modern Islamic business because it emphasizes the utilization of goods or services without transferring ownership rights. The implementation of ijarah has developed in various sectors, including Islamic banking, leasing, digital services, and platform-based economies. However, its application still faces several challenges, such as the complexity of digital transactions, ambiguity in the object of benefit, low literacy in Islamic economics, and the tendency to formalize contracts without strengthening the substantive values of Sharia principles. This study emphasizes that the ijarah contract should not merely be understood as a legal-formal instrument, but must also be implemented based on the principles of justice, transparency, and public benefit (maslahah). The main contribution of this research lies in strengthening the analysis of the ijarah contract within the context of modern digital business as part of the development of an adaptive and equitable Islamic economy.
Analisis Penerapan Budaya Kerja Religius terhadap Produktivitas Karyawan di PT Mutiara Erly Sejahtera (B Erl Cosmetic) Lampung Sukarti; Zulaiekha Nastria; Riri Ramadani; Sinta Putri; Selvia; Dwi Ayu Widyaningsih; Eril Mustakim
Ekosiana Jurnal Ekonomi Syari ah Vol. 13 No. 1 (2026): EKOSIANA : JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah, STAI AN-NAJAH INDONESIA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47077/ekosiana.v13i1.660

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan budaya kerja religius serta pengaruhnya terhadap produktivitas karyawan di PT Mutiara Erly Sejahtra (B Erl Cosmetic). Penelitian menggunakan pendekatan kualitatif dengan jenis penelitian lapangan berbasis observasi non-partisipan, melalui analisis konten digital perusahaan (media sosial) yang dipadukan dengan studi literatur sebagai data pendukung. Hasil penelitian menunjukkan bahwa budaya kerja religius diimplementasikan melalui kegiatan rutin shalat dhuha dan tadarus Al-Qur’an sebelum bekerja. Praktik ini berkontribusi terhadap produktivitas karyawan melalui mekanisme tidak langsung, yaitu peningkatan disiplin waktu, kualitas kerja, efisiensi, dan kerja sama tim. Pembiasaan ibadah membentuk keteraturan kerja, aktivitas spiritual meningkatkan stabilitas psikologis dan fokus, serta internalisasi nilai kejujuran dan tanggung jawab memperkuat integritas kerja dan menekan penyimpangan. Penelitian ini menyimpulkan bahwa budaya kerja religius berpengaruh terhadap produktivitas melalui perubahan perilaku dan kondisi psikologis karyawan, bukan secara langsung. Keterbatasan penelitian terletak pada penggunaan data berbasis konten digital tanpa verifikasi wawancara mendalam, sehingga interpretasi sangat bergantung pada representasi yang ditampilkan perusahaan. Oleh karena itu, penelitian selanjutnya disarankan menggunakan kombinasi metode lapangan langsung untuk meningkatkan validitas temuan.   Kata Kunci: Budaya Kerja Religius, Produktivitas Karyawan, Kinerja.
Co-Authors Asep Muhammad Adam Cindi Melinda Sari Duwi Lestari Emilda Sari Eril Mustakim Erwina Mutiara Sari Majdi Kasheem Panji Lukito Riri Ramadani Roehana Rofaidatun Umroh Selly Silviawati Selvia Sinta Putri Sukarti Zulaiekha Nastria