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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 132 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.
As Value-based Economics, How Does Islamic Economics deal with Scientific Method in Disruptive Era of Digitalization? Herman, Sebastian
MALIA: Jurnal Ekonomi Islam Vol 17 No 1
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: 10.35891/5e8acz62

Abstract

Purpose: This study aims to analyze philosophically how Islamic economics, as a value-based system, engages with the mainstream scientific method. Design/Methodology/Approach: This research uses a qualitative approach through literature review and content analysis of economic, philosophical, and Islamic economic sources. Findings: The study finds that Islamic economics may employ scientific methods and analytical tools as long as they do not conflict with the Islamic worldview. These methods function as instruments to observe human behavior as an expression of free will granted by Allah. Practical Implications: Islamic economists can adopt empirical methods selectively to strengthen the relevance and practical development of Islamic economics without compromising its ethical foundations. Originality/Value: This study provides a philosophical justification for integrating scientific methods within Islamic economics as a value-based discipline.
Macroeconomic and Demographic Drivers of Halal Product Exports in ASEAN Countries: A Panel Data Analysis of the Emerging Halal Trade Landscape Rika Sugiarti; Maulana Syarif, Hidayatullah; Nur Azifah; Muhamad Rizky Rizaldy
MALIA: Jurnal Ekonomi Islam Vol 17 No 1
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/j1njx375

Abstract

Purpose: This study aims to analyze the influence of macroeconomic indicators, foreign investment, and demographic factors on the export of halal products among ASEAN countries, namely Indonesia, Malaysia, Brunei Darussalam, Thailand, Singapore, the Philippines, Vietnam, Laos, Cambodia, and Myanmar during the period 2014–2023. Design/Methodology/Approach: This research employs a quantitative approach using panel data regression analysis. Model selection was conducted through the Chow test, Hausman test, and Lagrange Multiplier test, with the results indicating that the most appropriate model is the Fixed Effect Model (FEM). Findings: The study reveals that the Real Effective Exchange Rate (REER) and population growth exert a significant positive impact on ASEAN halal product exports. Conversely, Foreign Direct Investment (FDI) demonstrates a significant negative effect, while Gross Domestic Product (GDP) does not show a statistically significant partial influence. Collectively, all independent variables have a significant joint effect on halal product exports. Practical Implications: This study is expected to offer valuable implications for governments and policymakers across ASEAN in formulating strategies that support the region’s halal export development. Originality/Value: This research contributes to Halal Product Industry by highlighting macroeconomic indicators and demographic factors on the export of halal products among ASEAN countries.
Analysis of the Influence of Social Media Influencers and Sharia Investment Galleries on the Investment Interest of Sharia Economics Students in the Capital Market   Ashlihah, Ashlihah; Darajat Mahmudi; Mei Santi; Rokhmat Subagiyo; Agus Eko Sujianto
MALIA: Jurnal Ekonomi Islam Vol 17 No 1
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/zbccdq92

Abstract

Introduction: Investment interest in the sharia capital market among Islamic economics students is an important aspect of strengthening Islamic financial inclusion. In the digital era, social media influencers are considered capable of shaping students’ perceptions and financial decisions, while Islamic investment galleries function as educational facilities that introduce sharia capital market instruments. This study aims to analyze the influence of social media influencers and Islamic investment galleries on the investment interest of Islamic economics students at KH. A. Wahab Hasbullah University Tambakberas Jombang. Methods: This study employed a quantitative approach with a survey method involving 65 active students selected as respondents. Data were collected through a Likert-scale questionnaire distributed via Google Forms and analyzed using multiple linear regression with the assistance of SPSS 26. Hypothesis testing was conducted through instrument tests, classical assumption tests, t-tests, and F-tests. Results: The findings indicate that partially, social media influencers have a positive and significant effect on students’ investment interest, and Islamic investment galleries also have a positive and significant effect. Simultaneously, both variables significantly influence students’ investment interest in the capital market. Conclusion and suggestion: Social media influencers and Islamic investment galleries are important factors in increasing students’ investment interest. Therefore, optimizing digital financial literacy through credible influencers and strengthening the role of Islamic investment galleries as educational and practical investment laboratories are recommended to enhance students’ participation in the sharia capital market.
Factors Influencing Customer Risk Perception of iB Mudharabah Deposits at PT. Bank Sumut KCPSy Hamparan Perak Santi Arafah; Yunanda Eka Putra; Saparuddin Siregar; Sugianto
MALIA: Jurnal Ekonomi Islam Vol 17 No 1
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: 10.35891/9ym2sa72

Abstract

Purpose: This research examines the effect of Sharia financial literacy, trust, and transparency on customer risk perception of iB Mudharabah deposit products at PT Bank Sumut KCPSy Hamparan Perak. Design/Methodology/Approach: A quantitative cross-sectional approach was applied using questionnaires distributed to 100 iB Mudharabah deposit customers selected through purposive sampling. Data were measured using a five-point Likert scale and analyzed using SEM-PLS, including outer and inner model testing. Findings: Sharia financial literacy, trust, and transparency have a positive and significant effect on customer risk perception. The adjusted R-square value of 0.670 indicates that 67% of the variation in risk perception is explained by these variables. Practical Implications: The findings suggest that customer-based risk mitigation requires strengthening Sharia financial literacy, enhancing trust, and ensuring transparency in mudharabah deposit products. Originality/Value: This research contributes to Sharia banking literature by highlighting customer risk perception in regional Sharia banks and emphasizing behavioral and relational factors in mudharabah-based risk management.
Islamic Accounting in Islamic Boarding Schools Based on ISAK 35 (Case Study of Darul Hasanah Islamic Boarding School in Galang) Ritonga, Hanny Rahmadani; Siregar, Saparuddin; Marliyah, Marliyah
MALIA: Jurnal Ekonomi Islam Vol 17 No 1
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: 10.35891/40mqk793

Abstract

Purpose: This research examines the implementation of Financial Accounting Standards Interpretation (ISAK) 35 in Darul Hasanah Islamic Boarding School, aiming to analyze the challenges in its adoption and provide strategic recommendations for improving the school’s accounting system. Design/Methodology/Approach: A qualitative case study approach was used, involving direct observations, in-depth interviews with financial managers and leadership, and document analysis. Data were analyzed using the Miles & Huberman method, which includes data reduction, presentation, and drawing conclusions. Findings: The study identifies key challenges in implementing ISAK 35, including human resource limitations in accounting, a lack of understanding of ISAK 35, and insufficient technological infrastructure. The study recommends a phased strategy for implementation, focusing on HR training, the use of digital-based accounting software, and the preparation of more systematic financial reports. Practical Implications: The findings suggest that adopting ISAK 35 can enhance financial transparency, strengthen trust from donors and the community, and ensure the sustainability of the boarding school’s operations. Originality/Value: This research contributes to the literature on nonprofit accounting by exploring the application of ISAK 35 in Islamic boarding schools and offering evidence-based recommendations for improving accounting practices in these institutions.

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