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Fakhriyadi Ainiyah
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INDONESIA
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
ISSN : 23561866     EISSN : 26148838     DOI : -
Core Subject : Economy, Science,
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews. The spread of Islamic Economics include: 1. Islamic Finance and Capital Market 2. Islamic Banking 3. Management of Islamic Business and Entrepenuership 4. Islamic Financial Institution non Bank�
Articles 288 Documents
SPAY LATER SHOPEE: PELUANG DAN TANTANGAN IMPLEMENTASI EKONOMI SYARIAH DALAM INDUSTRI E-COMMERCE Zainullah, M. Ilham; Marianingsih, Ita
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 01 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i01.7577

Abstract

Penelitian ini bertujuan untuk memahami peluang dan tantangan implementasi ekonomi syariah dalam layanan SPayLater Shopee di industri e-commerce. Penelitian ini menggunakan pendekatan kualitatif dengan jenis studi kasus. Data dikumpulkan melalui wawancara dengan berbagai pihak terkait dan analisis dokumen terkait regulasi, fatwa, dan publikasi resmi Shopee. Teknik analisis data yang digunakan adalah analisis tematik. Hasil penelitian menunjukkan bahwa layanan SPayLater Shopee memiliki potensi untuk diimplementasikan secara syariah dengan menerapkan akad Qardh dan menghindari riba. Namun, terdapat beberapa tantangan yang perlu dihadapi, seperti pemahaman masyarakat tentang ekonomi syariah, regulasi dan pengawasan, serta kompetisi dengan layanan PayLater konvensional. Strategi yang dapat dilakukan untuk mengatasi tantangan tersebut adalah edukasi dan sosialisasi tentang ekonomi syariah, pengembangan model layanan yang sesuai dengan prinsip-prinsip syariah, dukungan terhadap regulasi dan pengawasan, dan peningkatan kualitas layanan. Implementasi ekonomi syariah dalam layanan SPayLater Shopee memiliki peluang dan tantangan yang perlu dipertimbangkan dengan matang. Dengan strategi yang tepat, peluang tersebut dapat dimaksimalkan dan tantangannya dapat diatasi, sehingga layanan SPayLater Shopee dapat menjadi alternatif bagi masyarakat yang ingin bertransaksi keuangan secara syariah.
THE INFLUENCE OF FISCAL CAPACITY, IHDI AND UMP ON ECONOMIC GROWTH IN JAVA ISLAND IN THE PERSPECTIVE OF ISLAMIC ECONOMICS Marfilia, Alda; Abdul Ghofur, Ruslan; Nurmalia, Gustika
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 01 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i01.8112

Abstract

This study aims to examine the influence of  fiscal capacity, Islamic Human Development Index and Provincial Minimum Wage on economic growth. This study uses quantitative methods with Vector Error Correction Mode (VECM) analysis techniques. The population in this study were six provinces on the island of Java from 2008-2023 which were taken by saturated sampling method. The results showed that partially in the long term and short term fiscal capacity and Provincial Minimum Wage have a significant positive effect on economic growth. while the Islamic Human Development Index (IHDI) variable has no significant effect on economic growth. While simultaneously fiscal capacity, Islamic Human Development Index affects economic growth. The implications of this research are expected to be useful for various groups. for regulators in the six provinces on the island of Java which are sampled can be one of the references in determining policies. For academics, it is expected to be useful for the development of science and for the community, it is hoped that it can be an addition to information and literacy.
THE INFLUENCE OF SERVICE QUALITY AND PRICE ON REPURCHASE INTENTION FOR MURABAHAH PRODUCTS AT BANK SULSELBAR SYARIAH Cole, Nurwahyuni; Misbach, Irwan; Muchlis, Saiful
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 01 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i01.8156

Abstract

This study aims to analyze the influence of service quality and price on the repurchase intention of murabaha products at PT Bank Sulselbar Syariah Makassar, with customer satisfaction as an intervening variable. The research method used is quantitative with a survey approach. Data were collected through questionnaires distributed to 130 respondents who are bank customers. The analysis results indicate that service quality and price have a positive and significant effect on customer satisfaction. Furthermore, customer satisfaction positively influences repurchase intention and mediates the relationship between service quality and price on repurchase intention. This study highlights the importance of improving service quality and setting competitive prices to enhance customer satisfaction and loyalty. It also provides recommendations to bank management to focus on service aspects and pricing strategies that align with customer expectations.
THE EFFECTIVENESS OF NATIONAL ZAKAT DISTRIBUTION IN 2024 IN ALLEVIATING POVERTY IN INDONESIA Romdoni, Ahmad; Nurpalah, Jenal
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 01 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i01.8243

Abstract

The effective distribution of zakat plays a crucial role in alleviating poverty in Indonesia; however, its realization and impact still face various challenges. This study aims to analyze the effectiveness of national zakat distribution in 2024 in reducing poverty rates and identifying the factors influencing its success. Using a quantitative approach through descriptive statistical analysis and regression, this study evaluates the correlation between zakat distribution and poverty levels based on data from BAZNAS and BPS. The findings indicate that zakat distribution contributes positively to poverty reduction, particularly in urban areas with a more organized distribution system, while in remote areas, its effectiveness is still hindered by institutional factors, accessibility, and transparency. Therefore, optimizing zakat distribution through improved governance, technology utilization, and synergy between the government and zakat management institutions is crucial to enhancing its impact on poverty alleviation. The proposed policy recommendations include zakat digitalization, capacity building for zakat administrators, and an empowerment-based approach for mustahik to ensure a more effective and sustainable role of zakat in addressing poverty in Indonesia.
STRATEGY FOR DEVELOPING HALAL TOURISM ON PAHAWANG ISLAND, BANDAR LAMPUNG Komarudin, Komarudin; Rosyid, Abdul
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 01 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i01.8244

Abstract

Halal tourism is a rapidly growing sector with significant potential to support regional economic development. Pahawang Island, located in Bandar Lampung, offers stunning natural beauty that attracts tourists; however, the concept of halal tourism has not been optimally developed. This study aims to explore strategies for developing halal tourism in Pahawang Island using a qualitative exploratory approach. Data were collected through in-depth interviews, observations, and document studies involving various stakeholders, including tourism business actors, local government, and Muslim tourists. The findings indicate that the development of halal tourism in Pahawang Island requires improvements in sharia-compliant facilities, halal certification for culinary and accommodation services, and education for the local community and tourism stakeholders regarding the halal tourism concept. Additionally, collaboration between the government, business sector, and local communities is a key factor in successfully implementing halal tourism. With the right strategies, Pahawang Island has the potential to become a leading and competitive halal tourism destination.
THE EFFECT OF GDP, FDI, AND POPULATION GROWTH ON OPEN UNEMPLOYMENT IN INDONESIA: AN ISLAMIC ECONOMIC PERSPECTIVE Sari, Putri Wulan; Fasa, Muhammad Iqbal; Nurmalia, Gustika
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 001 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Special Issue
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i001.8277

Abstract

Indonesia is one of the developing countries in ASEAN. With a population of approximately 281.6 million people in 2024, Indonesia ranks as the fourth most populous country in the world. However, despite this large population, the unemployment rate in Indonesia remains relatively high. This study aims to analyze the influence of Gross Domestic Product (GDP), foreign direct investment (FDI), and population growth on open unemployment in Indonesia in both the long term and short term. The research method used is descriptive quantitative with a sample of 28 years, covering the period from 1996 to 2023. The approach applied is the Vector Error Correction Model (VECM). The results of this study show that the variables of FDI and population growth have a significant effect on open unemployment in the long term, while the GDP variable does not have a significant effect on open unemployment in the long term. In the short-term analysis, the variables of Gross Domestic Product (GDP), foreign direct investment (FDI), and population growth all have no significant effect on open unemployment, due to structural changes in the economy, investment, and demography requiring time to have a tangible impact on unemployment levels. Based on the summarized discussion, it can be concluded that the variables of Gross Domestic Product (GDP), foreign direct investment (FDI), population growth, and open unemployment can be estimated using the Vector Error Correction Model (VECM)
THE EFFECT OF INFLATION, HDI, FDI ON ECONOMIC GROWTH IN 10 ASEAN COUNTRIES IN THE PERSPECTIVE OF ISLAMIC ECONOMICS Maisya, Irin; Malik, Anas; Rahman, Taufiqur
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 001 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Special Issue
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i001.8505

Abstract

The economy is also used as evidence of a country's success in assessing achievements and progress towards the level of economic growth, through the system used by the government to regulate and distribute profits from power, services, and goods through economic growth, which results in sustainable economic growth over time. This study aims to determine the effect of inflation variables, human development index and foreign direct investment on economic growth in 10 ASEAN countries in 2015-2023. The method used in this study is a quantitative method. The data used are secondary data obtained from the World Bank. The results of the study using panel data regression with the Random Effect Model test which states the results of the partial test (t) that the inflation variable (X1) has a negative but insignificant effect on economic growth (Y). While the HDI (X2) and FDI (X3) variables have a positive and significant effect on economic growth (Y). From an Islamic economic perspective, Islam sees economic development as a road to human maturity, where material progress must support spiritual maturity. The dream of Islamic economics is to carry out a mission as caliph on earth with the task of making it prosperous.
a THE EFFECT OF FINAL EDUCATION LEVEL, GROSS REGIONAL DOMESTIC PRODUCT, AND PROVINCIAL MINIMUM WAGE ON LABOR FORCE PARTICIPATION RATE IN 34 INDONESIAN PROVINCES: AN ISLAMIC ECONOMIC PERSPECTIVE Irma, Ade; Iqbal, Muhammad; Zulaikah, Zulaikah
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 001 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Special Issue
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i001.8531

Abstract

Economic development is closely related to demographic issues associated with employment. One important goal of economic development is to provide enough job opportunities to pursue faster labor force growth, as the context of Islamic economics also encourages people to work or trade, and to avoid begging to meet economic needs. This study aims to analyze the influence of the final education level, regional gross domestic product, and provincial minimum wages on the labor force participation rate in 34 provinces of Indonesia from an Islamic economic perspective. The research method used in this study is quantitative, presented in the form of panel data from 34 provinces in Indonesia with saturated sampling techniques, and data analysis is conducted using Eviews 10 software. The research results show that the variable of final education level has no partial effect on TPAK in 34 provinces of Indonesia, while the variable of gross regional domestic product and provincial minimum wage have a positive and significant partial effect on TPAK in 34 provinces of Indonesia. The research results indicate that final education level, gross regional domestic product, and provincial minimum wage simultaneously have a positive and significant effect on TPAK in 34 provinces of Indonesia.
ANALYSIS OF THE TOURISM INDUSTRY BUSINESS MODEL WITH THE BUSSINES MODEL CANVAS (BMC) APPROACH IN AN ISLAMIC BUSINESS PERSPECTIVE: Study on Pahawang Island Tourism Village, Marga Punduh District, Pesawaran Regency, Lampung Saskia, Elsa; Zuliansyah, A; Susanto, Is
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 001 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Special Issue
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i001.8536

Abstract

Tourism is currently a major development in the Indonesian industrial sector. Indonesia has abundant natural resources and beauty that is very valuable in the natural tourism industry, especially in the tourism sector. Tourism has an important role in the development of Indonesia, namely as a foreign exchange earner. The development of sustainable tourism (sustainability of ecotourism) is influenced by several aspects such as the level of community habits and attitudes towards their environment, the level of government policy support in tourism development, knowledge about environmental conservation itself, and the responsibilities of the parties involved (stakeholders). Development strategies are very important, especially in protecting tourists, providing the facilities needed and the comfort of visitors and the availability of access routes to locations and safe and comfortable infrastructure, in addition to achieving all tourism development goals, promotions must be held so that tourist attractions can be better known and able to drive potential tourists to visit and enjoy tourist attractions. In this case, the Business Model Canvas (BMC) is an effective tool for designing, developing, and analyzing innovative and sustainable business models. BMC covers various important aspects in business decision making, such as identifying market segments, value propositions, resource structures, key activities, customer relationships, and supplier relationships. Identification of this business model strategy must also be in accordance with Islamic business guidelines.
THE THE EFFECT OF TRADE OPENNESS, EXPORTS AND IMPORTS OF AGRICULTURAL RAW MATERIALS ON GROSS DOMESTIC PRODUCT: A STUDY OF 8 ASEAN COUNTRIES (2018-2023) IN THE PERSPECTIVE OF ISLAMIC ECONOMIC Dharmawan, Imam; Zuliansyah, A; Utamie, Zathu Restie
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 001 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Special Issue
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i001.8539

Abstract

In Islamic economics, natural resources and human resources are factors in economic development. Gross Domestic Product (GDP) is a measuring tool to see and analyze a country's economic growth. This study aims to analyze the effect of trade openness, exports, and imports of agricultural raw materials on Gross Domestic Product (GDP) in 8 ASEAN countries from an Islamic economic perspective. This study uses panel data from 8 ASEAN countries in 2018-2023 obtained from the World Bank and the ASEAN Statistical Year Book with the saturated sampling method. Data analysis uses EViews10 software. The results of this study indicate that partially the export of agricultural raw materials has a negative effect on GDP, while trade openness and imports of agricultural raw materials have no effect on GDP in 8 ASEAN countries. The results of this study are expected to provide information and insight regarding GDP growth and the international trade sector in the ASEAN region and can contribute to the literature in Islamic economic studies.