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JES (Jurnal Ekonomi Syariah
Published by Universitas Islam Lamongan
ISSN : 25285610     EISSN : 25410431     DOI : http://dx.doi.org/10.30736/jes.v7i2
Core Subject : Economy,
Economics, Econometrics & Finance
The subject covers textual and fieldwork studies with various perspectives of Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic economic thoughts, Islamic human resource management, Islamic microfinance, Islamic development economics, Islamic monetary economics, Islamic fiscal economics, Islamic capital market.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
 1 
Search results for , issue "Vol. 10 No. 2 (2025): September" : 7 Documents clear
Transformasi Pola Keuangan Santri melalui Sistem Cashless di Pondok Pesantren Idrisiyyah Putri Tasikmalaya Sopiatunisa, Neneng; Budiono, Irfan; Gapur, Ega Abdul
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1155

Abstract

This study aims to examine the impact of implementing a non-cash transaction system using QRIS and the Digitren application at the Pondok Pesantren Idrisiyyah Putri Tasikmalaya on the financial behavior of santri. The focus of the research includes discipline in financial management, transparency of transactions, consumption patterns and spending habits, as well as santri's understanding of financial literacy from their own perspective. This research uses descriptive qualitative methods, with data collected through observation, interviews, and documentation. In-depth interviews were conducted with ten female santri, two pesantren financial staff, and one canteen manager. The sampling technique used purposive sampling. The results showed that the implementation of the cashless system succeeded in improving the efficiency of santri financial management, reducing the risk of losing cash, and limiting excessive consumption outside the pesantren environment. Despite facing challenges such as top-up queues and limited direct balance access for santri, the pesantren has implemented adaptive strategies, including extending top-up service hours and providing free cash exchange services. Significantly, this system has changed the pattern of managing santri pocket money to be more structured, helped control their consumptive behavior, and instilled the values of honesty and discipline in financial matters.
Praktik Pre-Order di E-Commerce Perspektif Akad Salam Nursari, Nina; Nasrudin, Nasrudin; Jubaedah, Dedah; Mustofa, Mustofa
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1157

Abstract

The development of digital technology has changed the pattern of economic transactions, including online buying and selling systems with pre-order schemes that are increasingly common. In the context of Islamic economics, the salam contract is a form of permissible sale and purchase with advance payment for goods delivered at a later date. This research aims to analyze the suitability of pre-order practices in online buying and selling with the principles of the salam contract in Islamic economics. This research employs a qualitative approach, utilizing a literature study method and descriptive analysis of primary and secondary sources, including DSN-MUI fatwas, and actual practices on e-commerce platforms. The results show that although there are similarities between the salam contract and the pre-order system, actual practices often deviate from the shar'i requirements, especially regarding the specifications of the goods, the certainty of delivery time, and the risk of gharar. This research offers the novelty of formulating shariah-compliant indicators for pre-order transactions based on salam contract. The main contribution of this research lies in developing an online transaction model that is more in line with maqashid sharia, as well as providing a reference for e-commerce players, regulators, and academics in realizing halal and fair digital transactions.
Kesenjangan antara Kesadaran dan Perilaku Konsumsi Makanan Bersertifikat Halal pada Siswi SMAIT Mutiara Islam Cileungsi Fristyarini, Annisa
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1210

Abstract

Halal food consumption is a key aspect of Islamic practice, reflecting adherence to religious principles and concern for physical and spiritual well-being. In Indonesia, with its large Muslim population, awareness of halal products is expected to translate into consistent consumption behavior. However, a gap between awareness and actual behavior may exist, particularly among young consumers. This study investigates the gap between awareness and behavior in consuming halal food among 23 female students at SMAIT Mutiara Islam Cileungsi. Employing a descriptive quantitative approach, data were collected through online questionnaires during the 2024/2025 academic year. The findings show that students demonstrate high awareness of halal concepts, including halal certification and the principle of halalan thayyiban. Despite this awareness, their actual consumption behavior is not always consistent. The study concludes that a significant gap exists between awareness and behavior in halal food consumption among the students.
Akad Ijarah Muntahiyah Bit Tamlik: Tantangan dan Peluang Romi, Muhammad; Miftahurrahmah, Miftahurrahmah; Mawardi, Mawardi
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1211

Abstract

This study aims to analyze the validity of IMBT, identify regulatory and implementation challenges, and map opportunities for its future development. The research method used is library research with a descriptive qualitative approach. Data were obtained through a literature review of laws and regulations, fatwas, books, and journals related to IMBT. The analysis was conducted by examining the conformity of IMBT provisions according to fiqh muamalah and national regulations, including DSN-MUI Fatwa No. 27/DSN-MUI/III/2002, the Compilation of Sharia Economic Law, the Sharia Banking Law, and Bank Indonesia regulations. The results show that IMBT has a strong legal basis both in sharia and positive law. However, its implementation faces several obstacles such as the lack of specific regulations that regulate it in detail, lack of synchronization of regulations between authorities, differences in interpretation of asset maintenance and ownership transfer mechanisms, the risk of default, and low sharia financial literacy. Therefore, it is recommended to harmonize regulations between authorities, establish a special law for IMBT, develop transparent contract standards, improve Islamic financial literacy, and implement appropriate risk management to strengthen the attractiveness of IMBT in Islamic financing.
Strategi Pengembangan Usaha Mikro Perempuan dalam Meningkatkan Kesejahteraan Ekonomi Keluarga (Studi Kasus di Desa Sabungan Sumatera Utara) Siregar, Arnisah; Hidayat, Faisal; Febrian, Andis; Rais, Muhammad
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1204

Abstract

This study aims to answer the question of what strategies are used in developing women's microbusinesses in Sabungan, North Sumatera to improve family economic well-being. This study is a descriptive qualitative study. Data were obtained through observation, interviews, document studies, and documentation. The results of this study indicate that the strategy for developing women's microbusinesses in Sabungan plays an important role in improving family economic welfare by developing the market in terms of products and sales systems as well as developing networks. The use of technology and Islamic financial institutions also plays an important role in increasing access to capital and profits. By implementing this strategy, microbusiness actors can increase competitiveness, expand market access, and improve family economics so that they become more prosperous. An effective assistance strategy to improve knowledge and management skills is through regular assistance programs such as basic financial recording training and support from financial institutions or cooperatives, accompanied by monitoring and evaluation. With the right assistance strategy, Sabungan entrepreneurs strengthen the competitiveness of women's businesses and contribute to improving the economic welfare of families.
Implementasi Good Corporate Governance dalam Meningkatkan Kinerja Karyawan di BSI KCP Pamekasan Jokotole Sholihah, Aulia Fitriyatus; Handayani, Sri
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1205

Abstract

Good Corporate Governance (GCG) is a corporate governance system designed to create added value for stakeholders through the implementation of fundamental principles such as transparency, accountability, responsibility, professionalism, and fairness. This study aims to explore the implementation of GCG at Bank Syariah Indonesia (BSI) KCP Pamekasan Jokotole and to analyze its impact on improving employee performance. The research employed a qualitative approach, with primary data collected through field observations, structured interviews, and documentation, while secondary data were obtained from relevant literature and institutional records. Data were analyzed using an interactive qualitative analysis technique, and data validity was ensured through source triangulation. The findings reveal that the implementation of GCG at BSI KCP Pamekasan Jokotole has produced a significant positive effect on employee performance. This improvement is evident in enhanced service quality, increased discipline, and higher levels of productivity among employees. Furthermore, the practice of GCG not only strengthens the company’s corporate value but also fosters greater trust from stakeholders, particularly customers and shareholders. The research highlights that effective governance practices create a professional, transparent, and harmonious work environment, which ultimately contributes to the sustainability and competitiveness of Islamic banking institutions in Indonesia.
Transaksi Cryptocurrency di Era Digital: Tantangan, Regulasi, dan Solusi Hukum Ekonomi Islam Mubarokah, Shela Syofiatul; Yazid, Muhammad
JES (Jurnal Ekonomi Syariah) Vol. 10 No. 2 (2025): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v10i2.1213

Abstract

The development of technology is advancing at an increasingly rapid pace. One of these technological developments is the emergence of cryptocurrency in the digital era. Cryptocurrency, as a decentralized digital asset, has rapidly developed and become one of the main financial instruments in the global market. However, from the perspective of Islamic economic law, various issues arise regarding the validity of these transactions, particularly concerning the principles of muamalah jurisprudence such as justice, transparency, avoidance of riba (interest), gharar (uncertainty), and maysir (gambling). This article aims to identify the challenges and solutions of Islamic economic law that can be applied in cryptocurrency in accordance with Islamic principles. This research uses the library research method. The results highlight that while cryptocurrency poses regulatory and ethical challenges, it also offers opportunities for efficiency and inclusion if guided by Islamic principles. The study concludes that adaptive regulation and Islamic economic legal frameworks are essential to ensure transparency, fairness, and justice in digital finance.

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