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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 325 Documents
RESEARCH TRENDS ON SCARCITY IN ISLAMIC ECONOMICS: A BIBLIOMETRIC STUDY AND SYSTEMATIC LITERATURE REVIEW FOR THE PERIOD 2015–2025 Asri Tesi Ramadhani; Gilang Ahdi Ramadhan; Rifki Ramadhan; Rizal Fahlefi
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10421

Abstract

Background: Scarcity ranks among the most foundational concepts in economic thought, yet its meaning is far from settled. Islamic economics offers a contrasting view: rather than treating scarcity as a fixed feature of the human condition, it understands scarcity as a social pathology a consequence of distributional breakdown and morally deviant conduct. Purpose: This study traces the development of scarcity research within Islamic economics across the period 2015 to 2025. Methods: The study combines bibliometric analysis with a systematic literature review (SLR). Following PRISMA procedures, 57 articles were drawn from Scopus, DOAJ, Google Scholar, Dimensions, and SINTA Indonesia; of these, 30 were selected for in depth SLR examination. Results: Publication output rose markedly from 2020 onward, reaching its peak in 2022–2023. Keyword co occurrence analysis reveals five thematic clusters: (1) conceptual normative scarcity, (2) ihtikar and monopoly, (3) distribution and social justice, (4) consumption behaviour and panic buying, and (5) supply chains and geopolitics. Indonesia accounts for the largest share with 39 articles (68.4%), though its international collaboration rate stands at 18% (7 of its 39 articles involve cross border co authorship); across the full corpus of 57 articles, international co authorship accounts for 12%. Conclusions: Three research gaps stand out most urgently: the scarcity of quantitative empirical work, inadequate examination of how hisbah operates within contemporary regulatory settings, and the near absence of systematic cross regional research collaboration.
THE INFLUENCE OF EDUCATION, HEALTH, SPENDING AND POVERTY ON THE HDI OF LAMPUNG 2010-2024: ISLAMIC ECONOMIC PERSPECTIVE Sulistia Lestari Widya Ningsih; Heni Noviarita; Ahmad Hazas Syarif
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10442

Abstract

Human development is an important indicator in measuring the success of regional development. The Human Development Index (HDI) measures the quality of life of the community through the dimensions of health, education, and a decent standard of living. Lampung Province experienced an increase in the HDI during 2010–2024, but still faces issues of poverty and the effectiveness of government spending in the education and health sectors. This study aims to analyze the effect of government spending in the education, health, and poverty levels on the HDI in Lampung Province in 2010–2024 from an Islamic economic perspective. The study uses a quantitative approach with an associative research type. Data are secondary time series data for the period 2010–2024 from the Central Statistics Agency (BPS) and the Directorate General of Fiscal Balance (DJPK). The analysis uses multiple linear regression with natural logarithmic transformation through EViews 12. The results show that education spending has a positive but insignificant effect on the HDI, with a coefficient of 0.007918 and a probability of 0.5449. Health spending has a positive but insignificant effect, with a coefficient of 0.000998 and a probability of 0.9366. Conversely, poverty has a negative and significant effect on the HDI, with a coefficient of -0.233484 and a probability of 0.0006. Simultaneously, all three variables have a significant effect on the HDI with a Prob(F-statistic) of 0.000004 and an R-squared of 0.914611. These findings indicate that nominal increases in education and health spending have not been a significant factor in increasing the HDI, while poverty alleviation has a stronger influence on human development. This research contribution emphasizes the importance of the effectiveness of public spending and poverty alleviation. From an Islamic economic perspective, these findings are in line with maqāṣid al-syarī'ah through the maintenance of reason (ḥifẓal-'aql), soul (ḥifẓal-nafs), and wealth (ḥifẓal-māl) to realize the welfare of society in a just and sustainable manner
SHARIA ANALYSIS OF CHINA’S REAL ESTATE DEBT CRISIS AND INDONESIA’S IMPLICATIONS Shofa Robbani; Diah Fitri Anggraeni; Diah Ayu Putri Anggraini; Ahmad Nur Huda; Andin Dwi Safitri
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10443

Abstract

China’s real estate debt crisis has emerged as one of the most significant global economic challenges, driven by excessive leverage, speculative property expansion, and tightening financial regulations. As China is deeply integrated into the global economy, the crisis also poses potential risks for emerging economies, including Indonesia. This study aims to analyze the causes of China’s real estate debt crisis from the perspective of Islamic economics and to examine its implications for Indonesia’s economic stability. The research employs a qualitative method with a descriptive-analytical approach based on library research. Data were collected from academic journals, reports from international institutions, and relevant literature on Islamic economics and global financial crises. The analysis uses Islamic economic principles, particularly the concepts of riba, gharar, maysir, justice (al-‘adl), and balance (tawazun), to evaluate the crisis phenomenon. The findings show that the crisis was caused by excessive dependence on debt-based financing, speculative activities in the property market, and structural weaknesses in the pre-sale system. From the perspective of Islamic economics, these practices contradict Sharia principles because they contain elements of riba, gharar, and maysir, which contribute to economic instability and injustice. The crisis also affects Indonesia through trade, investment, and financial channels, highlighting the vulnerability of economies that rely heavily on debt-driven growth. This study concludes that Sharia-based financial principles emphasizing risk-sharing and productive economic activities may provide a more sustainable framework for economic stability.
THE INFLUENCE OF GREEN MARKETING AND GREEN TRUST ON BRAND LOYALTY AT FORE COFFEE WITH PERCEIVED VALUE AS A MODERATING VARIABLE FROM AN ISLAMIC BUSINESS PERSPECTIVE : A CASE STUDY OF FORE COFFEE CONSUMERS IN BANDAR LAMPUNG Cantika Rahma Aulia; Muhammad Iqbal Fasa; Oza Restianita
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10491

Abstract

This study was motivated by growing consumer concern over environmental issues, which has prompted companies to implement sustainable business strategies to enhance brand loyalty. The study aims to analyze the influence of eco-friendly marketing and trust in eco-friendliness on brand loyalty with perceived value serving as a moderator variable among Fore Coffee consumers in Bandar Lampung from an Islamic business perspective. A quantitative approach was used, with 100 respondents selected through purposive sampling and analyzed using SmartPLS 4.0. The results show that green marketing and green trust have a positive and significant effect on brand loyalty, while perceived values have a positive but insignificant effect. Perceived value significantly moderates the relationship between green marketing and brand loyalty in a negative direction, but does not significantly moderate the relationship between green trust and brand loyalty. From an Islamic business perspective, the implementation of green marketing and green trust aligns with the principles of environmental stewardship and the improvement of community well-being through sustainable business practices.
DIGITAL LIFESTYLE AND GENERATION Z’S DEPENDENCE ON ISLAMIC MOBILE BANKING APPLICATIONS: AN ISLAMIC ECONOMIC PERSPECTIVE Putri Kholilatus Su’udiyah; Umarul Faruq
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10604

Abstract

The rapid development of digital technology has transformed the behavior and lifestyle of Generation Z, particularly in the use of digital financial services such as Islamic mobile banking. This study aims to analyze how digital lifestyle relates to Generation Z’s dependency on Islamic mobile banking and its implications for financial behavior from the perspective of Islamic economics. This study employed a qualitative descriptive approach. Data were collected through in-depth interviews conducted online and offline with 15 informants from six universities: Universitas Islam Madura, Universitas Islam Negeri Madura, Universitas Trunojoyo Madura, Universitas Muhammadiyah Malang, STIKes Maharani Malang, and Politeknik Negeri Madura. Informants were selected using purposive sampling, with the number determined based on data saturation. Data were analyzed thematically through data reduction, data presentation, and conclusion drawing and verification. The findings identify three dependency typologies: passive, consumptive, and aggressive users, based on usage intensity, transaction diversity, and the integration of Islamic mobile banking into daily activities. The findings indicate that greater integration of mobile banking into Generation Z’s digital lifestyle is associated with higher dependency. From an Islamic economic perspective, its use should be directed toward maslahah, moderation, and hifdz al-mal through stronger Islamic financial literacy.
GEN Z PREFERENCES REGARDING THE USE OF QRIS AS A DIGITAL PAYMENT METHOD: AN ISLAMIC ECONOMIC PERSPECTIVE ON CONSUMER BEHAVIOR Khoirun Nisa; Ummu Kulsum
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10624

Abstract

The transformation of Indonesia's digital payment system has encouraged the public to adopt fast, practical, and integrated transaction instruments, one of which is the Quick Response Code Indonesian Standard (QRIS), developed by Bank Indonesia to strengthen the cashless payment ecosystem. This study aims to analyze Generation Z's preferences regarding QRIS use as a digital payment tool in Sampang Regency and its implications for digital lifestyles and consumption behavior. A qualitative method with a case study approach was employed; primary data were collected through interviews with 15 Generation Z informants residing in or active in Sampang Regency who had used QRIS, then analyzed through data reduction, data presentation, thematic coding, and conclusion drawing. The results revealed seven main themes: convenience (15 informants), usage barriers (14), speed (13), digital lifestyle (12), consumer behavior (10), security (9), and promotions or cashback (6). Findings indicate that QRIS is widely accepted as it aligns with Gen Z's familiarity with digital technology, though it may encourage impulsive purchasing if not balanced by financial literacy and self-control. From an Islamic economic perspective, QRIS can support transaction efficiency and financial inclusion, but its use must be guided in line with the principles of maqashid syariah  and maslahah to prevent excessive consumerism.
SOCIAL MEDIA MARKETING, CUSTOMER EXPERIENCE, AND FUNCTIONAL VALUE ON WILLINGNESS TO PAY: AN ISLAMIC MARKETING PERSPECTIVE Lina Maulinda; Ahmad Habibi; Anggun Okta Fitri
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10631

Abstract

This study aims to analyze the effects of social media marketing, customer experience, and functional value on the willingness to pay of Paris Jilbab consumers in Bandar Lampung and to interpret the findings from an Islamic marketing management perspective. The study employed a quantitative approach using a survey method, with questionnaires distributed to 99 consumers selected through purposive sampling. The data were analyzed using multiple linear regression with the assistance of SPSS version 27. The results indicate that, partially, social media marketing has a positive and significant effect on willingness to pay (t = 3.495; p = 0.001), customer experience has a positive and significant effect (t = 2.425; p = 0.017), and functional value also has a positive and significant effect (t = 2.614; p = 0.010). Simultaneously, the three variables form a significant model in explaining willingness to pay (F = 51.223; p < 0.001), with an Adjusted R Square value of 0.606. Theoretically, this study extends the literature on willingness to pay by integrating digital marketing factors, customer experience, and functional value within the context of Islamic marketing. Practically, the findings highlight the importance of managing informative and transparent digital communication, creating positive customer experiences, and strengthening product quality and benefits. From an Islamic marketing perspective, these strategies should be implemented based on the principles of shiddiq (truthfulness), amanah (trustworthiness), tabligh (transparent and effective communication), and fathanah (wisdom and professionalism), ensuring that economic value creation remains aligned with trust, maslahah (public benefit), and barakah (blessings) in business activities.
THE EFFECT OF ISLAMIC FINANCIAL LITERACY, DIGITAL LITERACY, AND PERCEIVED RISK ON SHARIA MOBILE BANKING FOR DIGITAL PAYMENTS: A STUDY OF ACCOUNTING STUDENTS IN THE DIY Nur Afni Chelya Putri AR; Wahyu Dewi Hapsari
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10641

Abstract

The rapid development of digital technology has encouraged the increasing use of digital financial services, including sharia mobile banking as a digital payment instrument that complies with Islamic principles. Nevertheless, the utilization of these services is influenced by several factors, including sharia financial literacy, digital literacy, and risk perception. This study aims to analyze the influence of sharia financial literacy, digital literacy, and risk perception on the use of sharia mobile banking for digital payments among accounting students in the Special Region of Yogyakarta (DIY). This research employed a quantitative approach using a survey method by distributing online questionnaires to 120 respondents selected through purposive sampling. The data were analyzed using IBM SPSS Statistics 23 through validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R²). The findings indicate that sharia financial literacy, digital literacy, and risk perception partially have a positive and significant effect on the use of sharia mobile banking. Sharia financial literacy was found to be the most dominant variable, with a regression coefficient of 0.662 and a significance value of 0.000. Furthermore, the three independent variables simultaneously have a significant effect on the use of sharia mobile banking, as indicated by an F-value of 532.514 and a significance level of 0.000. The Adjusted R Square value of 0.931 shows that 93.1% of the variation in the use of sharia mobile banking can be explained by the research model. This study concludes that improving sharia financial literacy, digital literacy, and strengthening system security are essential to optimize the utilization of sharia-based digital financial services.
THE INFLUENCE OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, AND ZAKAT LITERACY ON GENERATION Z'S INTENTION TO USE DIGITAL ZAKAT PLATFORMS Adi Muhammad Prasetyo; Ramdani Ramdani
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10679

Abstract

The rapid advancement of digital technology has transformed Islamic philanthropic services, including the adoption of digital zakat platforms. Despite Indonesia's substantial zakat potential, the utilization of digital zakat platforms remains relatively low, particularly among Generation Z. This condition suggests that technology acceptance and zakat literacy may influence individuals' intention to use digital zakat platforms. Therefore, this study aims to examine the effects of Perceived Usefulness, Perceived Ease of Use, and Zakat Literacy on Generation Z's intention to use digital zakat platforms. This study employed a quantitative approach with a causal associative research design. Data were collected through a five-point Likert scale questionnaire distributed to 152 Muslim Generation Z respondents in Surabaya using purposive sampling. The data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results indicate that the proposed model has strong explanatory power, with an R² value of 0.781, meaning that 78.1% of the variance in intention to use digital zakat platforms is explained by the proposed variables. Perceived Usefulness (β = 0.513; p = 0.003) and Perceived Ease of Use (β = 0.456; p = 0.001) have an effects on usage intention, whereas Zakat Literacy doesn’t an effect (β = -0.034; p = 0.808). The findings indicate that perceived usefulness is the most influential factor, while zakat literacy alone is insufficient to encourage the adoption of digital zakat platforms. This study contributes to the extension of the Technology Acceptance Model (TAM) in the context of digital Islamic philanthropy and provides practical implications for zakat institutions to improve platform usefulness, ease of use, and service transparency to increase Generation Z participation
THE INFLUENCE OF GOOD CORPORATE GOVERNANCE ON EARNINGS QUALITY WITH FINANCIAL PERFORMANCE AS A MEDIATING VARIABLE FROM THE MAQOSHID SHARIAH PERSPECTIVE Ika Rarawahyuni; Ika Maghfiroh
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 02 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i02.10686

Abstract

This study examines the effect of Good Corporate Governance (GCG) on earnings quality, with financial performance as a mediating variable from the perspective of Maqashid al-Shariah. Using a quantitative approach, this study analyzes secondary data obtained from the annual financial reports of 10 Islamic commercial banks in Indonesia over the 2019–2023 period. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with WarpPLS version 8.0. The results indicate that GCG has a positive and significant effect on earnings quality (path coefficient = 0.36; p-value = 0.04), while financial performance also has a positive and significant effect on earnings quality (path coefficient = 0.35; p-value = 0.03). Furthermore, financial performance partially mediates the relationship between GCG and earnings quality from the perspective of Maqashid al-Shariah, as indicated by a path coefficient of 0.140 and a p-value of 0.098, with a Variance Accounted For (VAF) value of 48%, indicating partial mediation. This study contributes to the literature by integrating the Maqashid al-Shariah perspective into the relationship between GCG, financial performance, and earnings quality, thereby offering a more comprehensive understanding of corporate governance in Islamic banking. The findings suggest that Islamic banks should strengthen the implementation of GCG to improve financial performance and earnings quality, while regulators are encouraged to incorporate Maqashid al-Shariah principles into  governance frameworks.

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