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Jurnal Ilmiah Al-Tsarwah
Published by Institut Agama Islam Negeri Bone
ISSN : 26207818     EISSN : 26854686     DOI : https://doi.org/10.30863/al-tsarwah.
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ilmiah Al-Tsarwah merupakan jurnal ilmiah yang diterbitkan oleh Program Studi Ekonomi Syariah Pascasarjana Institut Agama Islam Negeri (IAIN) Bone, dan sebagai sarana publikasi hasil penelitian serta sharing perkembangan ilmu Ekonomi Syariah. Jurnal ini memuat artikel yang belum pernah dipublikasikan sebelumnya yang berupa artikel hasil penelitian ataupun penelitian terapan, artikel telaah yang berkaitan dengan perkembangan Ilmu Ekonomi dan Keuangan (Konvensional dan Syariah) Informasi mengenai pedoman penulisan artikel dan prosedur pengiriman artikel terdapat pada setiap penerbitan. Semua artikel yang masuk akan melalui ‘peer-review process’ setelah memenuhi persyaratan sesuai pedoman penulisan artikel. Penerbitan jurnal ini dilakukan sebanyak enam bulan sekali yaitu pada bulan Juni dan Desember.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
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Search results for , issue "Vol. 8 No. 1 (2025): JUNI" : 7 Documents clear
EMBEDDING ISLAMIC ETHICAL VALUES IN ENTREPRENEURIAL DECISION-MAKING: FROM SHARIA TO STRATEGY Sumpena, Mochamad
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025): JUNI
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.8961

Abstract

This paper explores integrating Islamic ethical values into the decision-making process of entrepreneurs. It examines how Sharia principles, which govern Muslim behavior in personal and professional spheres, can be instilled in business strategy. By analyzing various entrepreneurial scenarios in Islamic contexts, this study highlights the potential benefits and challenges of incorporating ethical guidelines rooted in Islamic teachings. Furthermore, this paper provides insight into how Islamic values, such as fairness, transparency, and accountability, can influence decision-making strategies in a competitive business environment. This research contributes to the growing literature on Islamic entrepreneurship by proposing a framework for entrepreneurs to make ethically sound decisions that align with religious teachings and business success.
DETERMINANTS OF ECONOMIC GROWTH IN BOSOWASI DISTRICTS Mardianto, Dedi; Wahab, Abdul; Siradjuddin
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025): JUNI
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.8415

Abstract

Economic growth refers to efforts to increase the capacity for producing goods and services in order to achieve higher output, which is measured using the Gross Domestic Product (GDP) or the Gross Regional Domestic Product (GRDP) within a specific region. Therefore, the purpose of this study is to analyze the effect of unemployment, poverty, and per capita expenditure on economic growth in BOSOWASI, using cross-section and time series data from 2014 to 2023 obtained from the Central Bureau of Statistics (Badan Pusat Statistik/BPS). The method used in this study is quantitative, employing a panel data regression analysis approach. The results show that, partially (t-test), the variables unemployment and poverty have a negative but insignificant effect, while per capita expenditure has a positive and significant effect on economic growth in BOSOWASI. However, simultaneously (F-test), the variables unemployment, poverty, and per capita income have a significant effect on economic growth. These findings indicate that the government must continue to enhance productive activities to sustain and improve existing economic growth, thereby addressing and overcoming the challenges and issues in regional economic development.
MARKETING STRATEGIES OF BMT IN EFFORTS TO INCREASE THE NUMBER OF CUSTOMERS: A SYSTEMATIC LITERATURE REVIEW Ramadhani, Nur Rizkiyah; Rahman, Taufiqur
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025): JUNI
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.9153

Abstract

The proper marketing strategy planning is believed to encourage an increase in the number of customers by enhancing awareness, interest, and trust in BMT services. This study aims to identify, categorize, and analyze various marketing strategies implemented by BMT as discussed in academic literature, evaluate their effectiveness based on empirical evidence, and reveal the strengths and weaknesses of each strategy in increasing the number of customers, in order to identify research gaps that can serve as the foundation for this study. The method used is the Systematic Literature Review (SLR). Data were collected through Google Scholar using the Publish or Perish 8 application with the keywords “Marketing Strategy,” “Baitul Maal wat Tamwil (BMT),” and “Increasing the Number of Customers.” Through a systematic selection process, only 8 out of 169 articles were selected for further analysis. The results of the research questions indicate that BMT’s marketing strategies to increase the number of customers include the marketing mix, segmentation targeting and positioning (STP), digital marketing, customer relationship management (CRM), as well as personal selling and service excellence—all of which have proven to be effective, although each strategy has its own varying strengths and weaknesses
THE CONTRIBUTION OF BANKING FINANCING TO THE QUALITY OF THE ENVIRONMENT IN INDONESIA Raodah; Furwanti, Reni; Harnisah; Lutpiah Ainun, Siti
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025): JUNI
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.10521

Abstract

The issue behind this research is the increase in temperature due to human activities supported by productive and consumptive financing by banks in Indonesia. This study seeks to ascertain how productive and consumptive financing by banks relates to the environmental quality index in Indonesia. Using a quantitative approach, this study utilizes secondary data. The data was obtained from the official websites of the Financial Services Authority (OJK), the Central Statistics Agency (BPS), and the Ministry of Environment and Forestry (KLHK).Productive Financing Credit (KPP) and Consumptive Financing (KPK) have a significant effect on the Environmental Quality Index (IKLH) both partially and simultaneously. Productive financing affects environmental quality, as can be seen from the large amount of financing involved. For example, purchasing vehicles as a means of product distribution, where the use of these vehicles is frequent, contributes to environmental pollution. Consumptive financing, such as credit for purchasing goods like gadgets, vehicles, or furniture, can negatively reduce the IKLH. For example, consumptive financing makes it easier for people to obtain goods, thereby increasing overall demand. This triggers massive production that requires the extraction of more natural resources such as wood, minerals, and petroleum. The results of the study conclude that productive financing has a significant impact on the IKLH, while consumptive financing has an effect but is not significant on the IKLH. This study is limited to banking financing, so further research can explore in depth the elements that contribute to the Environmental Quality Index outside of banking financing. Future researchers can review in more depth how the production process and use of vehicles affect environmental quality.
IMPLEMENTATION OF FISHING LABORERS’ INCOME SHARING FROM AN ISLAMIC ECONOMIC PERSPECTIVE: A CRITICAL ANALYSIS ON BAJOE FISHING LABORERS, BONE REGENCY Muh. Nurham; Arifin S
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025): JUNI
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.10531

Abstract

This study aims to analyze the income distribution mechanism of fishermen workers in Bajoe, Bone Regency, and to evaluate the implementation of this income distribution from the perspective of Islamic Economics. The research method employed is qualitative with a field research approach, supported by phenomenological, sociological, and economic perspectives. Primary data were collected through in-depth interviews with fishermen workers and boat owners in Bajoe, while secondary data were obtained from comprehensive literature studies. The findings indicate that the income distribution mechanism in Bajoe remains traditional, verbal, and without written contracts, relying on trust and hereditary customs with a profit-sharing model based on hierarchical positions aboard the vessel. From the perspective of Islamic Economics, this practice is not yet fully aligned with the principles of Sharia, such as justice (al-‘adl), clarity (bayan), and transparency. The absence of written agreements and the lack of transparency in calculating profits and operational costs make fishermen workers vulnerable to structural injustice.
THE ROLE OF GREEN ECONOMY AS A DRIVER OF SUSTAINABLE BUSINESS Hamjan, Andi Lisa Aryani; HM, M. Amir; Husain, Hukmiah; Marzuki, Sitti Nikmah
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025): JUNI
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.10539

Abstract

This study aims to examine the application of the green economy concept within the framework of sustainable business in Indonesia, focusing on the integration of economic, social, and environmental sustainability principles. It explores how the green economy can serve as a strategic foundation for ethical, inclusive, and environmentally responsible business transformation aligned with sustainable development goals. This study employs a literature review method by analyzing a wide range of academic sources, government policies, and international frameworks related to the green economy and sustainable business practices. Findings reveal that implementing green economy principles contributes to economic growth, while embedding ethical values, social responsibility, and resource efficiency as core foundations of modern business practices. Such integration enhances corporate competitiveness, strengthens reputation, and promotes social welfare through green innovation and sustainable employment creation. Furthermore, Islamic ethics reinforce these practices by promoting fairness, stewardship, and accountability in business operations. The study concludes that the green economy provides a strategic pathway for ethical and sustainable business transformation in Indonesia. Integrating Islamic ethical and spiritual values bridges theory and practice, fostering balanced economic growth, environmental preservation, and social welfare aligned with the triple bottom line of profit, planet, and people.
INTEGRATION OF THE MAQASHID SHARIAH INDEX AND THE RGEC METHOD IN ASSESSING THE FINANCIAL PERFORMANCE OF ISLAMIC BANKS Arief, Fitriani; Abdullah, Muhammad Wahyuddin; K, Amiruddin; Meylianingrum, Kurniawati; Muhajir, Muhammad Nur Alam
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025): JUNI
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.8332

Abstract

This study aims to describe the integration between the Maqasid Sharia index and the REGC method in assessing the financial performance of Islamic banks. This research is a descriptive research that aims to explore, compile, and analyze various information available in written sources related to the research topic. The source of data in this research is obtained from literature study which includes various literatures relevant to the research topic. Data collection is done by reviewing existing literature in various sources of books, articles and documents. From the results of the analysis, it will be arranged how the integration of the Sharia Maqashid index with the RGEC method can be applied in assessing the financial performance of Islamic banks. This research shows that the integration of maqashid sharia index with RGEC method in the assessment of financial performance of Islamic banks provides a more comprehensive and fair approach. The assessment of Islamic banks is not only based on financial aspects, but also on their contribution to social welfare and compliance with sharia principles. The integration between maqashid sharia index and RGEC method is very relevant to ensure that Islamic banks are not only financially profitable, but also provide a positive impact in social and ethical aspects, in accordance with sharia principles. It is expected that the results of this study can contribute to the development of Islamic banking theory by offering a new approach in assessing the performance of Islamic banks in line with the objectives of Islamic banks, namely the welfare of the people and social benefit.

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