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MALIA
Published by Universitas Yudharta Pasuruan
ISSN : 20879636     EISSN : 25492578     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Malia terbit sejak 2011, setiap enam bulan sekali bulan Maret dan Agustus, merupakan jurnal ekonomi dan perbankan syariah yang menyajikan artikel hasil penelitian (empiris) serta isu-isu yang mencakup ekonomi syariah, keuangan syariah dan perbankan syariah.
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Articles 5 Documents
 1 
Search results for , issue "Vol 15 No 2 (2024)" : 5 Documents clear
The Implementation of Halal Network Indonesia (HNI) Business Among Muslim and Non-Muslim Communities Abdillah Mundzir; Aminatuz Zukhriyah; M. Sulhan
MALIA: Jurnal Ekonomi Islam Vol 15 No 2 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v15i2.4308

Abstract

This research aims to describe the assumptions of mountain communities (Tosari and Nongkojajar) in using Halal labeling products (HNI) during the pandemic. The research design employed in this study is quantitative descriptive research with an associative or relational approach. Data collection techniques utilized research instruments, and the data analysis is quantitative/statistical, with the objective of testing the predetermined hypotheses. The researcher determined a sample size of 65 individuals using the Slovin formula, who then became one of the research targets for obtaining several data points. The research findings indicate that both non-Muslim and Muslim communities in Tosari and Nongkojajar generally prefer HNI for their daily needs and health due to the sense of security and high trust placed by the community in the HNI halal label. The implications of this research extend to the development of the local economy, the creation of sustainable business models, and the formulation of policies for the government.
A Review on Islamic Corporate Governance Research in Islamic Financial Institution Izzani Ulfi; Rizaldy, Muhamad Rizky
MALIA: Jurnal Ekonomi Islam Vol 15 No 2 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v15i2.5091

Abstract

Research development in Islamic corporate governance is way behind the conventional counterpart. This is a call to Muslim scholars to put more attention and effort into the development of Islamic corporate governance through research. This paper aims to be a stimulus in this agenda by developing a research mapping in Islamic corporate governance literature especially within Islamic financial institutions. By employing the bibliometric method, this paper is expected to provide an overview related to the journey of Islamic corporate governance research and future research directions by reviewing 295 articles related to Islamic corporate governance in the Scopus database. The studies used as objects of this research are articles, reviews, and conference papers indexed by the Scopus database and are written in English only, assuming that these articles can represent high-quality research in the field of Islamic corporate governance. Most of the analyzed research was conducted within the scope of Islamic banking, thus, there is a huge demand to do research beyond Islamic banking area such as Islamic insurance and Islamic microfinance. This research will make it easier for researchers to get a comprehensive picture regarding the development of literature in the field of Islamic corporate governance in all Islamic financial institutions.
Implementation of Digital Transformation in HIPSI SMEs: A Qualitative Analysis of Strengthening Local Community Digital Capabilities Muhammad Fahmul Iltiham; Muhammad Nizar
MALIA: Jurnal Ekonomi Islam Vol 15 No 2 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v15i2.5890

Abstract

Purpose: The increasing importance of digital innovation as a driver of business transformation across various industries remains underexplored in the context of SMEs. This study aims to address this gap by examining the direct effects of digital orientation and digital capability on digital innovation and assessing the mediating role of digital innovation in the relationship between organizational performance and these driving factors. Design/methodology/approach: This qualitative study analyzes data collected from 20 HIPSI SMEs in Pasuruan, Indonesia. Data were obtained through interviews and document reviews and analyzed using thematic analysis and structural modeling techniques with SmartPLS. Findings: The findings reveal that digital orientation and digital capability significantly influence digital innovation. Furthermore, digital innovation mediates the effect of digital orientation and digital capability on financial and non-financial performance. This demonstrates the critical role of digital innovation in enhancing organizational performance by leveraging digital resources effectively. Practical implications: This study highlights the need for SMEs to adopt a digital-oriented mindset and invest in developing digital capabilities to harness the potential of emerging digital technologies. This strategic alignment can foster innovation, improve competitiveness, and strengthen community digital empowerment. Originality/value: This research provides a novel framework that links digital orientation, digital capability, and innovation to organizational performance within the SME sector. It fills a critical gap in the literature by emphasizing the mediating role of digital innovation and offering insights into the digital transformation of local business communities.
The Transformation of the Role of Mosques as Social Economic Institutions: an Empirical Study at the Al Akbar National Mosque in Surabaya Ubaid Aisyul Hana
MALIA: Jurnal Ekonomi Islam Vol 15 No 2 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ep8j5c84

Abstract

Mosques in the modern era not only serve as places of worship but also have great potential as centres for social and economic empowerment of the community.  The majority of Indonesian mosques have not yet fully utilized this strategic role.  The purpose of this study is to examine how the National Al Akbar Mosque in Surabaya integrates social, economic, and religious empowerment to create a mosque-based business model.  Field observations, in-depth interviews with mosque administrators, business owners, and attendees, as well as written documentation, were used to gather data for this qualitative case study. Through three primary strategies—the relocation and organization of street vendors (PKL), the creation of a Mosque-Owned Business Entity (BUMM), and the execution of community economic empowerment initiatives based on Islamic spirituality—the National Mosque Al Akbar Surabaya has effectively developed an innovative mosque-based economic model, according to the research findings.  By creating jobs, providing access to sharia-compliant financing, and allocating productive zakat, this strategy has had a real impact on enhancing the welfare of worshippers and the local community.  The study's conclusions suggest that, with proper management and adherence to Islamic principles, mosques can serve as hubs for socioeconomic change. In order to guarantee the sustainability of mosque-based economic models in Indonesia, this study suggests bolstering mosque economic institutions, digitizing banking systems, and encouraging cross-sectoral synergies.
An Analysis of the Effectiveness of Murabaha Contracts in Reducing Credit Risk of Indonesian Islamic Banks Zumrotul Azizah
MALIA: Jurnal Ekonomi Islam Vol 15 No 2 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/m79xta47

Abstract

This study evaluates the effectiveness of murabahah contracts as a credit risk mitigation strategy at Bank Syariah Indonesia (BSI). Adopting a qualitative descriptive-analytical methodology, the study integrates primary and secondary data to analyze the implementation of murabahah contracts in Islamic banking practices. The study findings show general alignment with Islamic principles, but also identify several operational constraints. Deficits in customers’ understanding of the Islamic principles underlying the murabahah contract, as well as potential disparities in interpretation between customers and bank officers, are factors that hinder the optimization of this financing instrument. Nevertheless, the study concludes that murabahah contracts have substantial potential to reduce credit risk, provided that there is structured and effective management. Therefore, it is recommended that BSI improve its Islamic financial education program for customers, conduct periodic and comprehensive evaluations of the implementation of murabahah contracts, and conduct more detailed quantitative analysis to measure its impact empirically. The implementation of these recommendations is expected to strengthen the role of murabahah contracts in supporting the stability and sustainable growth of BSI.

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