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INDONESIA
KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH
Published by Universitas Hasyim Asy'ari
ISSN : 23554215     EISSN : 25280872     DOI : -
Core Subject : Religion, Economy, Education, Social,
Religion Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences
Adzkiya: Jurnal Hukum dan EKonomi Syariah encompasses original research articles, review articles, and short communications, including: Accounting, Sharia law, Islamic Accounting, Management, Management of sharia, Sharia Bussines Management, Human Resource Management, Economics Education, Sharia Financial Banking.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 159 Documents
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Determinan Kemiskinan di Provinsi Lampung dalam Perspektif Ekonomi Syariah: Peran Pertumbuhan Ekonomi, Upah Minimum dan Indeks Pembangunan Manusia Ningsih, Retna; Retna; Hilyati Aulia, Hanna; Puspita Sari, Dwi Retno
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 2 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/0zqhsa60

Abstract

This study aims to analyze the influence of economic growth, minimum wage and the Human Development Index on the number of poor people in Lampung Province. Poverty is a multidimensional issue, not only related to low income but also encompassing aspects of education, health and access to economic resources. High poverty levels can hinder development, making it crucial to understand its determinants more deeply. This research uses a quantitative approach with an associative design and panel data regression analysis. The data used is secondary data from the Central Statistics Agency (BPS) of Lampung Province for the period 2018-2024, covering 15 regencies/cities. Panel data regression combines cross-sectional and time series data, providing more accurate estimates. The technique involves several stages, including selecting the best model among the Common Effect Model, Fixed Effect Model and Random Effect Model through Chow test, Hausman test and Lagrange Multiplier test. The purpose of using panel regression is to determine the influence of independent variables both simultaneously and partially on the number of poor people, as well as to capture the dynamics of poverty changes based on regional and temporal differences. The research results show that, partially, the minimum wage has a significant influence on the number of poor people in Lampung Province. Conversely, economic growth and the Human Development Index do not statistically significant. However, all three variables simultaneously have a significant influence on poverty. These findings imply that increasing the minimum wage directly contributes to reducing poverty, while the influence of economic growth and Human Development Index is indirect or insignificant during the study period. From an Islamic economic perspective, poverty is not merely an economic phenomenon but a matter of social justice (ʿadl) and collective responsibility. The findings of this study can be interpreted within the framework of maqāṣid al-syarīʿah, particularly the protection of life (ḥifẓ al-nafs), intellect (ḥifẓ al-ʿaql), and wealth (ḥifẓ al-māl), highlighting the importance of fair wage policies and human development as instruments of poverty alleviation in Islamic economic policy.
Analisis Work of Balance dan Budaya Organisasi terhadap Employee Engagement dalam Perspektif Bisnis Islam (Studi Pada J&T Express Way Kandis) Chandra Setiawan; ChandraSetiawan; Suhendar; Verawati, Heni
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 2 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/68s56w64

Abstract

This study examines the influence of work-life balance and organizational culture on employee engagement from an Islamic business perspective at J&T Express Way Kandis. Although employee engagement has been widely researched, most previous studies have focused on the banking, education, and MSME industries, and have not integrated Islamic values ​​in the measurement of organizational variables. This condition indicates a research gap related to the lack of empirical evidence on how Islamic principles influence engagement in the modern logistics industry, especially in expedition companies facing high operational pressure. Starting from this gap, this study offers a novelty through an exploratory quantitative approach that integrates the values ​​of tawazun, akhlakul karimah, and maslahah in the analysis of work-life balance, as well as shiddiq, amanah, tabligh, and fathonah in the study of organizational culture. Data were collected from 75 employees using a 5-point Likert scale questionnaire and analyzed using multiple linear regression. The results show that work-life balance (t = 4.736; p < 0.05) and Islamic organizational culture (t = 4.623; p < 0.05) significantly influence employee engagement, with a simultaneous contribution of 61.8% (F = 58.347; p < 0.05). This finding confirms that the application of Islamic values ​​not only serves as a moral guideline but also has a measurable impact on increasing engagement in the logistics sector, which is also a new contribution to strengthening the literature on Islamic value-based HRM in the contemporary industrial environment.
Consumer Satisfaction in Islamic Economic Perspective: A Literature Review on Product and Service Quality Saifur Rahman; UmpuSInga, Hasrun Afandi; Iskandar Ali Alam; Andala Rama Putra Barusman; Habiburahman
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 14 No 1 (2026): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/drdagh52

Abstract

Consumer satisfaction in Islamic economic perspective is not merely measured by the fulfillment of consumer expectations, but also by compliance with Islamic ethical values and the achievement of public benefit (maṣlaḥah). This article aims to examine consumer satisfaction through a literature review by integrating product quality and service quality within the framework of Islamic economics. The study emphasizes key Islamic principles such as ṣidq (honesty), amānah (trustworthiness), and ‘adl (justice) in service delivery, as well as the concept of halālan ṭayyiban in product quality. Furthermore, consumer satisfaction is analyzed using the perspective of maqāṣid al-syarī‘ah to ensure that business practices contribute to the protection of religion, life, intellect, lineage, and wealth. The findings indicate that product quality and service quality significantly influence consumer satisfaction when they are aligned with Islamic ethical values and normative principles. This study contributes theoretically by enriching the discourse of consumer satisfaction in Islamic economics and practically by offering ethical guidelines for business practices in sharia-compliant institutions.
Strategi Marketing Mix Berbasis Syariah Untuk Meningkatan Kinerja Penjualan Toko May Collection Probolinggo Latifah, Al Mar'atul; Al Mar'atul; Meilinda, Fauziyah Putri
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 14 No 1 (2026): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/j5zs7y82

Abstract

The increasingly competitive business environment requires MSMEs (Micro, Small, and Medium Enterprises) to implement marketing strategies that are not only economically effective but also aligned with Sharia values. May Collection Probolinggo, a Muslim fashion business, faces challenges in improving sales performance amidst business location constraints and limited consumer purchasing power. This study aims to analyze the Sharia-based marketing mix strategy in increasing the sales turnover of May Collection Probolinggo. The research employs a descriptive qualitative method with a field research approach. The qualitative method was selected to gain a profound understanding of marketing practices, the implementation process of the marketing mix, and the internalization of Sharia values in business activities that cannot be measured quantitatively. The field research approach was utilized to obtain primary data directly from the field within authentic social and economic contexts. Data collection was conducted through observation, in-depth interviews, and documentation. Respondents were selected using a purposive sampling technique, featuring the owner of May Collection as the key informant and repeat customers as supporting informants. The results indicate that the implementation of the marketing mix elements product, price, place, and promotion has been executed in an integrated manner with Sharia marketing principles, which include theistic, ethical, realistic, and humanistic values. This strategy has proven capable of improving sales performance while strengthening consumer trust and loyalty. This study concludes that a Sharia-based marketing mix is an effective and sustainable strategy for the development of MSMEs.
Kepatuhan Syariah dalam Transformasi Digital pada layanan mobile Banking Syariah SYAKARNA, NUGRAHENI_; Syakarna, Nugraheni Fitroh Rezqi; Islahudin, Ahmad Noor
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 14 No 1 (2026): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/k4r9hr20

Abstract

This study aims to examine how Islamic banks in Indonesia implement digital transformation in mobile banking services while maintaining Shariah compliance, identify factors influencing the effectiveness of digital Shariah governance, and explore customers’ perceptions and experiences of these services. This research employs a qualitative method using a case study and Interpretative Phenomenological Analysis (IPA) approach. Data were collected through in-depth interviews, non-participatory observations, and document analysis, and were analyzed using the Miles, Huberman, and Saldaña framework. The findings reveal that Islamic banks have adopted technologies such as AI, blockchain, smart contracts, and automated Shariah notification features. However, digitalization still faces challenges, including limited technological competence among Sharia Supervisory Board members, insufficient development of digital Shariah governance frameworks, and the lack of maqāṣid al-sharī‘ah integration into digital product design. Customer perceptions indicate generally positive experiences regarding convenience and security, although understanding of Shariah principles within mobile applications remains limited. This study highlights the importance of value-based digital transformation that prioritizes not only technological efficiency but also strengthens Shariah compliance and customer trust.
Pengaruh Gaya Hidup dan Tren Fashion terhadap Keputusan Pembelian Produk Imitasi Sepatu: Perspektif Bisnis Islam Sapta Eryanto; Fatih Fuadi; Weny Rosilawati
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 14 No 1 (2026): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/07q4p297

Abstract

Penelitian ini dilatarbelakangi oleh meningkatnya fenomena konsumsi produk imitasi sepatu di kalangan mahasiswa yang dipengaruhi oleh gaya hidup konsumtif dan perkembangan tren fashion, khususnya melalui media sosial. Kondisi ini menimbulkan dilema antara keinginan mengikuti tren dengan keterbatasan ekonomi, serta memunculkan persoalan etika dalam perspektif bisnis Islam. Tujuan penelitian ini adalah untuk menganalisis pengaruh gaya hidup dan tren fashion terhadap keputusan pembelian produk imitasi sepatu, baik secara parsial maupun simultan, serta meninjau fenomena tersebut dalam perspektif bisnis Islam. Metode penelitian menggunakan pendekatan kuantitatif dengan jenis eksplanatori melalui survei terhadap 350 mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Raden Intan Lampung. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa gaya hidup dan tren fashion berpengaruh positif dan signifikan terhadap keputusan pembelian produk imitasi, dengan tren fashion sebagai faktor dominan. Secara simultan, kedua variabel menjelaskan 74,3% variasi keputusan pembelian. Selain itu, ditemukan adanya cognitive dissonance, yaitu ketidaksesuaian antara pemahaman prinsip ekonomi Islam dengan praktik konsumsi mahasiswa. Temuan ini menunjukkan perlunya penguatan edukasi dan alternatif produk sesuai prinsip syariah untuk mendorong perilaku konsumsi yang lebih etis.
The Legal Framework of Sharia Economic Law and Its Implications on the Development of The Sharia Economic Business Sector in Indonesia Mualim; Oyo Sunaryo Mukhlas; Burhanuddin
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 14 No 1 (2026): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v14i1.12551

Abstract

The development of the Islamic economic business sector in Indonesia shows a positive trend, but it does not fully reflect the enormous demographic potential and religiosity of the Muslim community. One of the main factors influencing this condition is the existence and effectiveness of Islamic economic law (HES). This study aims to analyze the role of HES in the development of the Islamic economic business sector in Indonesia and identify challenges and opportunities for strengthening it. The research method uses a qualitative approach with a normative juridical research type through a literature review of laws and regulations, fatwas, academic literature, and national and international reports related to Islamic economics. The results show that HES plays a significant role in creating legal certainty, transaction legitimacy, and protection for parties. From an institutional perspective, fatwas from the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) serve as guidelines for sharia compliance, while the Religious Courts, through the Compilation of Islamic Economic Law (KHES), serve as the primary forum for resolving Islamic economic disputes. However, there remains a gap between the normative objectives of HES to achieve justice and prosperity and the reality of its implementation. The effectiveness of the Islamic Economics and Development Agency (HES) is still suboptimal due to regulatory fragmentation, overlapping authority between institutions, and the KHES's dominant focus on litigation. This study concludes that strengthening and integrating a more comprehensive, adaptive, and pro-business Islamic economic legal framework is essential to encourage innovation, increase competitiveness, expand public literacy, and strengthen human resource capacity. These reforms are essential prerequisites for accelerating the sustainable growth of the national Islamic economic business sector.
E-Channel as an Instrumment for Sharia Financial Inclusion in the Digital Era Diana Ambarwati; Farra Tia Wardani Farra Tia Wardani
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 14 No 1 (2026): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/h7my3k23

Abstract

This research aims to analyze the role of E-Channel as an instrument of Islamic financial inclusion in the digital era. The research method uses a qualitative descriptive approach with literature review from Bank Indonesia, the Financial Services Authority, and various related research results. The results of the study show that E-Channel contributes significantly to increasing Islamic financial literacy and inclusion, especially through easy access to halal financial services for people in remote areas. However, challenges such as low digital literacy, cybersecurity, and infrastructure readiness still need to be a common concern. This study concludes that the development of E-Channels in banking has a significant role in expanding Islamic financial inclusion and strengthening the Islamic financial system in the digital era. Through service innovations such as mobile banking, internet banking, sharia ATMs, and Sharia QRIS, people gain ease of access to various financial products, including savings, microfinancing, and digital zakat. The increase in transaction efficiency and transparency resulting from the use of E-Channels strengthens public trust in Islamic financial institutions and encourages the creation of a safer, faster, and well-documented financial system. Thus, E-Channel not only serves as a financial technology instrument, but also as a manifestation of Islamic ethical values in expanding inclusive and equitable economic access. However, the effectiveness of E-Channel implementation still faces challenges in the form of low digital literacy, data security risks, and infrastructure limitations in rural areas that need to be overcome through cross-agency synergy and community capacity building.
Pembatalan Transaksi Sepihak E-Commerce: Analisis Prinsip ‘An Taradin dan Maqāṣid al-Syarī'ah terhadap Perlindungan Konsumen Digital Nurul Sulfa Mania; Uswatun Hasanah; Seja Riyandani; Luthfina
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 14 No 1 (2026): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/js9gjz97

Abstract

Praktik pembatalan transaksi sepihak oleh pelaku usaha e-commerce yang berlindung di balik klausul baku Terms and Conditions telah merugikan konsumen secara masif. BPKN mencatat kerugian konsumen mencapai Rp202,68 miliar hanya dalam semester pertama 2024 dengan sektor perdagangan elektronik sebagai pengaduan terbanyak. Penelitian ini bertujuan menganalisis praktik tersebut melalui prinsip an taradin dan kerangka Maqashid Syariah serta mengkaji kegagalan UU No. 8 Tahun 1999 dalam memenuhi standar perlindungan konsumen digital. Metode yang digunakan adalah kualitatif dengan pendekatan sosio-legal yang dioperasionalkan melalui tiga pendekatan yaitu pendekatan perundang-undangan untuk mengkaji norma UU No. 8 Tahun 1999 dan regulasi terkait, pendekatan kasus untuk menganalisis kasus-kasus pembatalan sepihak yang terdokumentasi publik pada platform e-commerce Indonesia, dan pendekatan konseptual untuk membangun kerangka analisis berbasis prinsip an taradin dan Maqashid Syariah. Penelitian menemukan tiga hal. Pertama pembatalan sepihak adalah fisq al-aqd yang meruntuhkan prinsip an taradin karena klik persetujuan konsumen atas klausul baku bukan kerelaan sejati yang dikehendaki syariat. Kedua tindakan tersebut merupakan akl al-mal bi al-batil yang melanggar hifzh al-mal sebagai dharuriyyat Maqashid Syariah karena mengalihkan beban kerugian kepada pihak yang tidak bersalah. Ketiga UU No. 8 Tahun 1999 tidak memadai secara paradigmatic dalam memenuhi standar hifzh al-mal karena membangun perlindungan yang prosedural-formal bukan substantif-etis sebagaimana dituntut oleh Maqashid Syariah.

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