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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.
Arjuna Subject : -
Articles 125 Documents
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SWOT Analysis of MSMe Business Strategy: A Critical Approach to Digital Transformation and Industrial Competitiveness hafiz, Achmad Al-Hafiz Lubis; Marliyah, Marliyah; Syahbudi, Muhammad
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
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.v16i2.6336

Abstract

Introduction: This study examines the development strategy of ornamental fish cultivation from an Islamic economic perspective, with a case study of Naga Aquatic in Medan City. The research aims to analyze how business strategies can align with Islamic principles while enhancing competitiveness and sustainability in the ornamental fish sector. Methods A qualitative descriptive approach was employed, using interviews, field observations, and document analysis to collect data from the owner and operators of Naga Aquatic. SWOT analysis was applied to evaluate internal and external strategic factors. Results: The findings reveal that Naga Aquatic possesses strong internal strengths including diverse and appealing fish varieties, reputable branding, and growing market demand despite external threats such as intense competition and seasonal disease risks. The business scored 2.877 on the Internal Factor Evaluation (IFE) and 2.951 on the External Factor Evaluation (EFE), positioning it in Quadrant I of the IE Matrix. This reflects a favorable strategic position for aggressive growth Conclusion and suggestion: To capitalize on this position, S–O strategies are recommended, including digital promotion, product diversification, collaboration with local fisheries, and the development of derivative product lines. These strategies are not only market-oriented but also consistent with Islamic business ethics, promoting halal entrepreneurship, community empowerment, and ethical business conduct.
Analysis of Micro, Small, And Medium Enterprises (MSMEs) Development Strategies With An Islamic Business Approach Ethics in Increasing Business Income Siregar, Nurhasanah; Muhammad Yafiz; Nasution, Juliana
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
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.v16i2.6383

Abstract

Introduction: This study investigates the development strategy of Micro, Small, and Medium Enterprises (MSMEs) at RnD Snack Labuhanbatu Selatan through the perspective of Islamic business ethics. The research aims to explore how Islamic ethical values are integrated into business development to support sustainability and competitiveness. Methods: This research employs a qualitative descriptive approach by conducting in-depth interviews with business owners, employees, and three customers, as well as direct observation of operational activities. The data were analyzed using a combination of business strategy theory, Islamic business ethics principles, and the SWOT analysis framework. Results: The findings indicate that RnD Snack implements business strategies such as improving product quality, innovating menu options, enhancing customer service, promoting through social media, expanding market reach, and applying the Islamic marketing mix. All these strategies are aligned with Islamic ethical principles, including honesty, transparency, fairness, and generosity. Conclusion and suggestion: This study concludes that integrating Islamic business ethics into MSME development strategies contributes positively to sustainability and long-term performance. It is suggested that other similar businesses adopt ethical practices based on Islamic teachings to build customer trust and improve competitiveness.
Islamic Spiritual Intelligence to Resilience at Work: A Moderated Mediation Model Veina Ayu Restiani; Nafia Ilhama Qurratu'aini
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
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.v16i2.6393

Abstract

Introduction: Employees certainly cannot be separated from internal and external conflicts that can affect their behavior at work, this research will discuss Islamic spiritual intelligence on resilience at work as an employee's ability to manage conflicts to create positive behavior, with the moderating influence of OCB and toxic environment as mediation. Methods: This research uses quantitative methods with purposive sampling techniques and the Slovin formula in determining the sample so that 400 respondents are obtained, then analyzed using SmartPLS 4.0 to answer the research hypothesis. Results: The results of this research found a positive and significant effect of Islamic spiritual intelligence on OCB, a positive and significant effect of OCB on resilience in the workplace, and a negative and insignificant effect of OCB on resilience in the workplace moderated by toxic environment, that Islamic spiritual intelligence in employees can increase resilience by reducing emotional exhaustion and as a result there is positive energy shown by OCB behavior. Conclusion and suggestion: The findings of this research indicate that the behavior displayed by individuals in the workplace has a supporting factor, namely Islamic spiritual intelligence, thus, employees can understand that having Islamic spiritual intelligence will be better at managing behavior because they act according to inner beliefs, can regulate emotions in themselves so that resilience is formed in employees, and have a desire to be useful and sincere in doing work so that positif behavior is formed.
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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