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Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Published by Sekolah Tinggi Agama Islam Al Hidayah Bogor
ISSN : 23561866     EISSN : 26148838     DOI : -
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
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�
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis dan Menejemen Intetrnasional
Articles 289 Documents
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Th THE INFLUENCE OF INDUSTRIAL AGGLOMERATION, LABOR FORCE, AND HUMAN RESOURCE INVESTMENT ON ECONOMIC GROWTH IN SUMATRA IN THE PERSPECTIVE OF ISLAMIC ECONOMICS IN 2019-2023 Olifia, Febrina; Budimansyah, Budimansyah; Zuliansyah, A
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.v9i001.8543

Abstract

Within the framework of Islamic economics, economic development focuses not only on growth but also on equitable distribution of welfare and social justice. Industrial agglomeration, labor force, and human capital investment are factors believed to influence regional economic growth. This study aims to analyze the effect of industrial agglomeration, labor force, and human capital investment on economic growth in Sumatra Island during the period of 2019–2023 from the perspective of Islamic economics. The study uses panel data from 10 provinces in Sumatra with a saturated sampling method. Data analysis was conducted using panel regression with the help of EViews 10 software. The results show that simultaneously, the three independent variables affect economic growth. However, partially, only industrial agglomeration has a significant effect, while labor force and human capital investment do not have a significant impact. From the perspective of Islamic economics, these findings highlight the importance of integrated and just industrial development, along with the need to improve the quality of the labor force and education in line with the values of justice, public interest (maslahah), and equity.
IMPLEMENTATION OF ISLAMIC BUSINESS ETHICS ON FINANCING, PERFORMANCE AND LEADERSHIP IN SHARIA COOPERATIVES: Study of the Prosperous Hope Cooperative of UIN Siber Syekh Nurjati Cirebon Rosviana, Mohammad Irfan; Aziz, Abdul; Wartoyo, Wartoyo
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.v9i001.8756

Abstract

This study aims to find out the implementation of Islamic business ethics in financing, employee performance and leadership roles in the sharia cooperative of UIN Siber Syekh Nurjati Cirebon. The approach in this study uses a normative qualitative approach. This approach is carried out by focusing on principles that aim to explain the phenomenon in depth regarding the object studied about the implementation of Islamic business ethics in cooperatives of hope for prosperity. Meanwhile, the type of research used is normative qualitative research. This research was conducted in the Harapan Sejahtera cooperative. The data collected in this study are primary data by conducting observations, interviews and documentation. This prosperous hope cooperative implements Islamic business ethics in financing products that are practiced in accordance with the principles of Islamic Business Ethics This is evidenced in its implementation which is in accordance with Islamic business ethics. The Harapan Sejahtera Cooperative always displays Islamic nuances of giving greetings, dressing modestly and performing aurat. The Harapan Sejahtera Cooperative also continues to emphasize the importance of responding to customer complaints and being solution-oriented. The leadership role in Islamic business ethics at the Harapan Sejati cooperative always provides advice and instruction when its employees make mistakes and want to instill Islamic values in each of its workers. In addition, as proof of success in the leadership aspect of the Harapan Sejati Cooperative, it has been awarded as one of the most outstanding cooperatives in West Java. Based on the achievements of the Harapan Sejahtera Cooperative as a form of leadership that is successful in managing and running its leadership management in the business unit sector in the form of Sharia Cooperatives
An ANALYSIS OF THE APPLICATION OF EXPENSE FINES TOWARDS DELINQUENCY IN FINANCING OF QARDH AGREEMENTS ON MEMBERS AT KSPPS BMT AL HIKMAH SEMESTA, KALIAMAN BRANCH Ningrum, Sinta Nadia; Wahidullah, Wahidullah; Nafisah, Zahrotun
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.v9i001.8758

Abstract

The Sharia Savings and Loans Cooperative (KSPPS) BMT Al Hikmah Semesta plays an important role in providing financial access to communities that have not been reached by formal financial institutions. The main challenge that threatens the stability of the cooperative is late payment of financing. To overcome this problem, KSPPS uses a kifarat fine as a sharia-based method to encourage members to pay off their debts. The purpose of this study was to evaluate how effective the implementation of kifarat fines in qard agreements is and the impact on the financial behavior of members of the agreement. The results of the study, collected through in-depth interviews, indicate that kifarat fines can increase members' financial awareness and responsibility and encourage timely payments. However, some members oppose this policy, especially those who are facing financial difficulties. the implementation of kifarat fines must be in accordance with sharia principles by considering fairness, transparency, and the economic conditions of members. Financial education and a periodic evaluation system will support this policy. kifarat fines should be used not only as punishment, but also as a tool to teach and improve how to manage sharia microfinance.
CONFORMITY OF DSN-MUI FATWA REGARDING MURABAHAH AGREEMENT IN MULTI-BENEFIT IB FINANCING AT BTN SYARIAH KCPS KUDUS Sadiyah, Khalimah; Wahidullah, Wahidullah; Utami, Cahyaning Budi
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.v9i001.8761

Abstract

The purpose of this study was to analyze the implementation of the murabahah contract on the Multimanfaat iB financing product at BTN Syariah KCPS Kudus, and its compliance with the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) No. 04/DSN-MUI/IV/2000. The method used in this study was a descriptive qualitative approach, data collection by interview, and observation. The results of the study indicate that the murabahah contract applied in this financing has adopted sharia principles, where the bank is the provider of goods and the customer is the buyer. However, there are challenges in its implementation, such as the lack of customer understanding of the contract mechanism and information transparency. The objects of financing that are traded are in accordance with sharia provisions, and the collateral system applied is different between general customers and BTN employees. Margin determination also varies based on the financing period. This study recommends increasing sharia financial literacy and evaluating information transparency to customers, as well as developing a more innovative murabahah contract scheme to improve the efficiency of sharia banking transactions.
ANALYSIS OF THE IMPLEMENTATION OF THE PRUDENTIAL PRINCIPLE IN THE FINANCING OF BA’I BITSAMAN ‘AJIL AT KSPPS GUNA LESTARI JAYA, TROSO BRANCH Alma'lufah, Robi'ah; Mubarok, Ahmad Fauzan; Utami, Cahyaning Budi
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.v9i001.8762

Abstract

Ba'i Bitsaman Ajil financing is financing carried out with a system of buying and selling goods that can be paid in installments that require the application of prudential principles to maintain the stability and sustainability of cooperative finances. The main focus of the study is the evaluation of the application of prudential principles in the process of distributing Ba'i Bitsaman Ajil financing, as well as identifying internal and external obstacles faced. The study used a descriptive qualitative approach with a field study method, involving interviews, observations, and documentation. The results of the study indicate that the implementation of prudential principles in distribution is applied through 5C analysis, verification of non-fictional and guaranteed objects of sale and purchase, restrictions on financing ceilings, and committee meeting mechanisms. However, several obstacles were still found, such as limited human resources, manual administration systems, lack of transparency of borrower finances, unstable economic conditions, risk of bias in the verification process carried out with borrower neighbors, and low legal literacy of members. Therefore, it is necessary to strengthen human resource capacity, digitalization, increase education for members, and economic and social monitoring to optimize the implementation of prudential principles
ANALYSIS OF THE EFFECT OF FISCAL DECENTRALIZATION, REGIONAL FINANCIAL PERFORMANCE AND ZAKAT REVENUE ON POVERTY LEVELS IN SUMBAGSEL IN AN ISLAMIC ECONOMIC PERSPECTIVE IN 2018-2024 Gofur, Abdul; A. Ghofur, Ruslan; Fachri, Adib
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.v9i001.8765

Abstract

Poverty is a global problem that is still a challenge for many countries, including Indonesia. In 2024, In 2024, as many as 25.22 million people in Indonesia are still classified as poor, indicating that the problem of poverty in Indonesia is still relatively high. This condition also occurs in the South Sumatra region (SUMBAGSEL), where the poverty rate in several provinces is still above the national average. The problem raised in this study is whether fiscal decentralization, regional financial performance and zakat revenue affect the poverty rate in SUMBAGSEL in 2018-2024. The purpose of this study is to determine the effect of these three variables on the poverty rate. With a quantitative research method, the study population includes reports related to all variables in 5 provinces in SUMBAGSEL. The sampling method used is saturated sampling, while the data analysis technique used is panel data using EViews 10 software. The results of the study indicate that fiscal decentralization has no effect on the poverty rate in SUMBAGSEL, while regional financial performance and zakat revenue have a negative and significant effect on poverty.
RICE TRADERS' STRATEGIES IN INCREASING SALES TURNOVER IN WANCI SUBDISTRICT, WAKATOBI REGENCY ACCORDING TO SHARIA ECONOMIC PRINCIPLES Wanci, Yeni; Sari, Sarni Handayani Puspita
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.v9i001.8775

Abstract

This study aims to determine and analyze the effect of price and rice promotion strategy on purchasing decisions with rice customer satisfaction in increasing turnover in Wanci Village, Wakatobi Regency according to Islamic Economics directly or indirectly. The study uses a descriptive associative approach. The population in this study includes several samples of traders in Wanci Village. The number of samples is set at 10 respondents. Data collection techniques use questionnaires and interviews. Data analysis techniques use a quantitative approach. The results of the study indicate that directly, price and promotion each have a significant effect on purchasing decisions. Price and promotion each have a significant effect on customer satisfaction.
AN ANALYSIS OF FISCAL AND MONETARY POLICIES DURING THE LEADERSHIP OF UMAR IBN ABDUL AZIZ A HISTORICAL REVIEW AND ITS RELEVANCE TO CONTEMPORARY ECONOMICS Nurpalah, Jenal; Nurdin, Irfan Bahar
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.v9i001.8809

Abstract

This study aims to analyze the fiscal and monetary policies implemented by Caliph Umar bin Abdul Aziz and examine the relevance of these policy principles in addressing contemporary economic challenges, particularly in terms of wealth distribution justice, price stability, and public financial management. This research employs a qualitative method using a library research approach, involving the review of classical and modern literature, including Islamic historical texts, Islamic economic literature, and relevant academic journals. The findings reveal that Umar bin Abdul Aziz applied justice- and efficiency-based fiscal policies, such as the optimization of zakat, the abolition of non-sharia levies, and equitable wealth distribution. In terms of monetary policy, he maintained currency stability and prohibited the hoarding of dinars and dirhams, which contributed to price stability and the reduction of structural poverty. In conclusion, the economic policies of Umar bin Abdul Aziz are not only historically significant but also offer a normative framework for formulating modern fiscal and monetary policies that are just, transparent, and oriented toward public welfare.
TRANSFORMASI DIGITAL ZAKAT: ANALISIS EFEKTIVITAS PLATFORM DIGITAL DALAM PENINGKATAN KEPATUHAN MUZAKKI DI ERA SOCIETY 5.0 Haryono, Haryono; Yusuf, Rivai
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.v9i001.8810

Abstract

The advancement of digital technology in the era of Society 5.0 presents a significant opportunity to optimize zakat management, particularly in enhancing muzaki compliance. This study aims to analyze the effectiveness of digital zakat platforms in encouraging participation and compliance among muzaki in Indonesia. Employing a qualitative approach through case studies of selected national zakat institutions that have adopted digital technologies, data were collected through in-depth interviews, documentation, and participatory observation. Data analysis was conducted using the interactive model of Miles and Huberman. The findings reveal that digital zakat platforms significantly enhance accessibility, transparency, and accountability in zakat management, thereby contributing to increased muzaki compliance—especially among millennials and urban communities. Key features such as zakat calculators, digital reporting, instant payment systems, and reminder notifications serve as the main drivers of improved compliance. However, challenges remain in terms of digital literacy and data security trust. The study concludes that digital transformation of zakat is an effective strategy for modernizing zakat management, provided it is supported by user education, robust digital security systems, and inter-institutional data integration. This study recommends the development of a national digital zakat policy grounded in Sharia principles and adaptive technology.
EFFECTIVENESS OF PRODUCTIVE ZAKAT FUNDS IN EVELOPMENT MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) IN SOUTH KALIMANTAN Mahfuzah, Annisa; Maulida, Atika Zahra; Asyahri, Yusuf; Sayyid, Annisa; Hafizah, Hafizah; Khairina, Nadia
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 02 (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.v9i02.8166

Abstract

MSMEs play a crucial role in driving economic growth and reducing poverty in South Kalimantan. Despite their significant contribution, this sector still faces various obstacles, including access to financing. Effective management of productive zakat funds has the potential to become an alternative funding instrument to address these challenges, while simultaneously increasing MSMEs empowerment and reducing poverty. Therefore, this study aims to assess the effectiveness of productive zakat management in supporting MSMEs and optimizing their impact on the regional economy. This study uses a descriptive-analytical approach in fieldwork. The method used is a combination of qualitative and quantitative methods. The population in this study were all beneficiaries of productive zakat funds through the digital economic empowerment programs Micropreneur 2023, Zmart 2023, and Biofloc system fisheries cultivation, as well as laying hen farmers, with a population of 160 beneficiaries and a research sample of 74 respondents accompanied by 8 informants. The research results show that the management of productive zakat through various programs implemented by Baznas in South Kalimantan has been running well, with most indicators achieving a high level of effectiveness. Two indicators, namely target success and program satisfaction, were declared effective, while the levels of input and output, as well as program achievement, were deemed quite effective. These findings indicate that productive zakat management plays a significant role as an alternative funding instrument in supporting MSMEs, while also making a real contribution to improving the community's economy by channeling funds to mustahik (recipients of zakat) who run MSME-scale businesses.

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