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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 134 Documents
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The Influence of Islamic Financial Literacy and Peer Influence on Islamic Entrepreneurial Behavior of UIN North Sumatra Medan Students Fadilah, Tasya; Imsar; Jannah, Nurul
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/e4p46r02

Abstract

Introduction: Islamic entrepreneurial behavior views business activities not merely as a means of profit, but as an implementation of the values ​​of monotheism, trustworthiness, justice, and welfare. However, student entrepreneurial interest remains relatively low, while Islamic financial literacy and social environmental influences are suspected to be important factors in shaping Islamic value-based business behavior. This study aims to analyze the influence of Islamic financial literacy and peer influence on Islamic entrepreneurial behavior among students at UIN Sumatera Utara Medan. Methods: The study used a quantitative approach with a survey method on 100 students selected through simple random sampling. Data were collected using a Likert scale questionnaire and analyzed using multiple linear regression using SPSS 22. Instrument tests, classical assumptions, t-tests, F-tests, and coefficients of determination were used to test the hypotheses. Results: The results show that Islamic financial literacy has a positive and significant effect on Islamic entrepreneurial behavior (t = 10.637; p < 0.05). Conversely, peer influence has no significant partial effect (t = 0.134; p > 0.05). Simultaneously, both variables have a significant effect (F = 57.252; p < 0.05) with an explanatory contribution of 54.1%. Conclusion and suggestion: Sharia financial literacy is a primary factor in shaping Islamic entrepreneurial behavior, while peer influence is supportive. Strengthening the entrepreneurship curriculum based on the principles of sharia, training in Islamic financial literacy, and developing students' spiritual character are recommended to foster ethical, independent, and blessing-oriented entrepreneurs.
Analysis of the Determinants of the Agricultural and Trade Sectors on Economic Growth Rate Harahap, Bagus Hermansyah; Yusrizal; Tambunan, Khairina
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: 10.35891/88h1fb61

Abstract

Purpose: This research examines the effect of the agricultural and trade sectors on regional economic growth in Deli Serdang Regency from 2015 to 2024, using Gross Regional Domestic Product (GRDP) data.Design/Methodology/Approach: A quantitative approach was applied using multiple linear regression models to analyze the relationship between the agricultural and trade sectors and regional economic growth. Data from the Deli Serdang Central Statistics Agency (BPS) were utilized, and the analysis was conducted with a focus on determining the contributions of these sectors to GRDP.Findings: The results indicate that both the agricultural and trade sectors have a significant simultaneous effect on GRDP, with an R² value of 0.892, meaning 89.2% of the variation in GRDP is explained by the contributions of both sectors. The agricultural sector showed a statistically significant positive contribution, while the trade sector, though positive, did not have a statistically significant impact.Practical Implications: The findings highlight the importance of sectoral synergy in driving inclusive and sustainable regional development. Effective strategies to integrate the agricultural and trade sectors can promote equitable economic growth.Originality/Value: This study contributes to the literature on regional economic growth by providing empirical evidence of the simultaneous contributions of the agricultural and trade sectors, underpinned by Islamic economic principles, particularly the protection of wealth, distributive justice, and the pursuit of collective welfare.
The Impact of Gig Economy Growth and Islamic Bank Financing on Youth Unemployment Rates in Indonesia Ade Fahdiya Syakhilah; Marliyah; Nursantri Yanti
MALIA: Jurnal Ekonomi Islam Vol 17 No 2 (2026)
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/aa13js71

Abstract

Introduction: High youth unemployment in Indonesia reflects a mismatch between labor force growth and the availability of formal employment. At the same time, the expansion of the digital platform–based gig economy offers flexible job opportunities for young people, while Islamic bank financing holds potential to stimulate productive economic activities through profit-sharing schemes. However, empirical evidence on the effectiveness of these sectors in reducing youth unemployment remains limited. This study examines the impact of gig economy growth and Islamic bank financing on youth unemployment in Indonesia.Methods: A quantitative approach was applied using panel data from 34 provinces during 2019–2023. Panel regression analysis was employed, with model selection through Chow and Hausman tests, which identified the Fixed Effect Model as the most appropriate. Robust Standard Errors were used to correct heteroscedasticity.Results: Gig economy growth shows a negative and significant effect on youth unemployment, indicating its role in absorbing young workers. In contrast, Islamic bank financing has a positive and significant effect, suggesting that financing has not been optimally directed toward labor-intensive sectors or young productive entrepreneurs. Jointly, both variables significantly influence youth unemployment, with an explanatory power of 87.4%.Conclusion and Suggestion: The gig economy functions as an effective short-term employment channel, whereas Islamic financing requires policy reorientation toward youth-driven productive sectors. It is also necessary to enhance Islamic financial literacy and strengthen integration with the digital gig ecosystem to maximize its impact on reducing youth unemployment.Practical Implications: The findings provide important insights for policymakers, financial institutions, and digital platform providers in designing strategies to reduce youth unemployment. Strengthening collaboration between Islamic banks and gig platforms, improving access to financing for young entrepreneurs, and promoting inclusive digital ecosystems can enhance employment opportunities and economic participation among youth.Originality/Value: This study contributes to the literature by integrating the roles of the gig economy and Islamic bank financing in a single empirical model using panel data across Indonesian provinces. It offers a novel perspective on how digital labor markets and Sharia-compliant financial systems jointly influence youth employment in a developing country context.
Village Fund Direct Cash Assistance Distribution: A Justice Analysis from an Islamic Economic Perspective (Cenrana District Case Study) Nikmawati; Arifin Sahaka; Kamiruddin
MALIA: Jurnal Ekonomi Islam Vol 17 No 2 (2026)
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: 10.35891/55jmm797

Abstract

Purpose: This study aims to examine the fairness of the distribution of Village Fund Direct Cash Assistance (BLT) from an Islamic economic perspective in Cenrana District, Bone Regency, and to assess its alignment with the principles of distributive justice in Islamic economics. Design/methodology/approach: This research adopts a qualitative approach using a case study method. Data were collected through interviews, observations, and documentation involving village officials and BLT recipients. The analysis focuses on evaluating targeting accuracy, transparency, and fairness in the distribution process based on Islamic economic principles. Findings: The results indicate that the distribution of BLT Village Fund has generally helped beneficiaries meet their basic needs. However, challenges remain, particularly in the accuracy of targeting and the transparency of the distribution process. From an Islamic economic perspective, the implementation is relatively aligned with the principles of justice, especially in prioritizing vulnerable groups, although improvements in equity and accountability are still required. Practical implications: These findings emphasize the need for strengthening transparency, improving data accuracy, and enhancing community involvement in the determination of beneficiaries to ensure a more equitable distribution of social assistance at the village level. Originality/value: This study contributes to the literature by integrating the analysis of BLT Village Fund distribution with the principles of Islamic economic justice, providing empirical insights into the implementation of faith-based distributive justice in local government social assistance programs

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