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Jurnal Dinamika Ekonomi Syariah
Published by Institut Agama Islam Pangeran Diponegoro Nganjuk
ISSN : 26543567     EISSN : 27157334     DOI : https://doi.org/10.53429/jdes.v8i2
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Jurnal Dinamika Ekonomi Syariah invites scholars researchers and students to contribute the result of their studies and researches in the areas related to 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 Macroeconomics Microeconomics Peoples Economy Accounting Cooperatives Zakat Sharia Financial Institutions and other relevant themes
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 230 Documents
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IMPLEMENTASI AKAD MURABAHAH DI KSPPS ARTHA BAHANA SYARIAH KANTOR CABANG TEMPURAN Dewi, Tri Rachma; Fitriyani, Yeny; Aini, Qurotul
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1296

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana Implementasi pembiayaan Akad Murabahah serta upaya peningkatan Usaha Mikro, Kecil dan Menengah (UMKM) di KSPPS Artha Bahana Syariah Kantor Cabang Tempuran. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan studi kasus. Sumber data terdiri dari data primer yang diperoleh melalui observasi dan wawancara dengan narasumber, serta data sekunder diperoleh dari artikel jurnal ilmiah. Teknik pengumpulan data meliputi observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan penelitian Implementasi Pembiayaan Akad Murabahah di KSPPS Artha Bahana Syariah sudah sesuai dengan prinsip syariah, serta dalam proses akad sudah sesuai dengan prinsip syariah yang mengacu pada fatwa DSN-MUI Nomor 04/DSN-MUI/IV/2000 tentang Akad Jual Beli Murabahah. Murabahah merupakan akad jual beli suatu barang dengan menegaskan harga belinya kepada pembeli dan pembeli membayarnya dengan harga yang lebih sebagai laba. KSPPS Artha Bahana Syariah melakukan perjanjian murabahah dengan nasabah, sementara itu pihak KSPPS Artha Bahana Syariah melalui akad wakalah (mewakilkan) kepada nasabah untuk membeli sendiri barang yang hendak dibeli.
DROPSHIPPING IN ONLINE GAMIS SALES: AN ANALYSIS THROUGH THE LENS OF SALAM CONTRACT PRINCIPLES Angraini, Dewi Manda
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1299

Abstract

Dropshipping is a modern business method that allows sellers (dropshippers) to sell products without having direct stock of the items. In practice, dropshippers only utilize product images and descriptions from suppliers, then forward customer orders to the suppliers for product delivery. This study aims to analyze the mechanism of dropshipping in the online sale of gamis clothing and its compliance with the akad salam in the perspective of Islam. This research uses a qualitative approach with a literature review method to examine the concepts of dropshipping and akad salam. Based on the study results, dropshipping can be implemented in a Sharia-compliant manner under certain conditions, such as the clarity of contracts between dropshippers, suppliers, and customers; detailed product descriptions; and transparent collaboration. Furthermore, the application of akad salam in e-commerce can provide a solution for SMEs to empower the economy without reliance on interest-based debt, while maintaining honesty in business practices. By meeting Sharia requirements, dropshipping has significant potential to become a modern business alternative that not only fulfills market demands but also adheres to the principles of Islamic economics. A Sharia-compliant dropshipping system can support the development of online businesses with a foundation of integrity and sustainability. Keywords: dropshipping; akad salam, e-commerce; Islamic perspective
PENGARUH BIAYA OPERASIONAL TERHADAP PROFITABILITAS PT INDOFOOD SUKSES MAKMUR Tbk PERIODE 2020-2023 Febrianto, Ahmad; HIilda Zamrotul Firdausiah
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1300

Abstract

PT. Indofood Sukses Makmur is a well-known processing company in Indonesia. The purpose of this study is to determine the effect of operating costs on profitability at PT. Indofood Sukses Makmur Tbk for the period 2020-2023. Where the tendency of operating costs has increased while profitability at PT Indofood has increased growth every year. The method used in this study is a descriptive method using a quantitative approach. The data used is secondary data in the form of the company's financial reports for 2020-2023. Operating costs have experienced rapid growth every year. To determine the effect of operating costs on profitability, statistical testing is used. Statistical testing is used in normality tests, the use of regression, correlation coefficients, determination coefficients, t-tests also using the SPSS 16 application. From the results of simple linear regression calculations and correlation coefficients, operating costs and profitability have a Pearson correlation value of 0.641, which is a strong correlation level. so that the level of influence of operating costs on profitability at PT Indofood is 0.213 and the rest, namely 0.787, is influenced by other factors that were not studied. The results of the t-test value obtained t0 0,520 ≥ ta 2,920, so this value means that operational costs do not affect profitability.
FORCE MAJEURE IN SHARIA AGREEMENTS: CRITICAL REFLECTIONS ON CUSTOMER LEGAL PROTECTION IN THE MIDST OF PUBLIC POLICY CHANGES Arifin, Desi Siti Habibah; Mukhlas, Oyo Sunaryo
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1302

Abstract

This article aims to critically analyse the application of force majeure in sharia contracts, particularly in the context of economic disputes resulting from public policies. By exploring the court decisions in this case, this study seeks to identify weaknesses in the sharia legal protection system and offer solutions to strengthen justice for the parties involved. The research method used is a qualitative approach with normative juridical research design and case-based analysis. This study aims to analyse in depth the application of force majeure clauses in sharia contracts, particularly in the dispute between PT Lissa Sejahtera Mandiri and Bank Nagari Syariah, by linking it to the legal protection of customers in the context of public policy changes. This case underscores the need for better synergy between sharia principles, contract implementation, and public policies that often become external obstacles. Courts are expected to not only focus on the formality of the agreement, but also consider the substance of justice in accordance with sharia principles.
IMPLEMENTASI AKAD QARDH PADA PEMBIAYAAN DANA WAQAF DALAM TEORI HUDUD PEMIKIRAN MUHAMMAD SYAHRUR Aufin Mizatina, Helya; Achmad Fageh
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1317

Abstract

Wakaf adalah salah satu bentuk dana sosial berupa pemberian yang penggunaannya dibatasi hanya untuk kepentingan umum, sementara asetnya harus tetap terjaga. Di Indonesia, wakaf kini tidak hanya berupa benda, tetapijuga dapat berbentuk uang. Pada pembiayaan Qardhul hasandi BMT Assyafi’iyah Gaya Baru, dikenakan biaya sebesar 1% dari jumlah pembiayaan. Selain itu biaya takaful ditentukan berdasarkan durasi pinjaman, yaitu 0,5% untuk jangka waktu 1-5 bulan dan 0,6% untuk jangka waktu 6-12 bulan. Akad Qardhul Hasan merupakan perjanjianpinjaman dana kepada nasabah, di mana nasabah diwajibkan mengembalikan pokok pinjaman dalam jangka waktu yang telah disepakati, baik secara langsung maupun secara angsuran. Penelitian ini menggunakan metode deskripif analisis, dengan data dikumpulkan melalui studi pustaka. Hasil penelitian menunjukkan bahwa mekanisme produk LASISMA milik BMT NU sudah berjalan dengan baik. Produk ini efektif dalam membantu masyarakat menengah kebawah, sekaligus mendukung pengembangan UMKM dan usaha ultra mikro di sekitarnya melalui pengelolaan dana wakaf. Mekanisme ini telah sesuai dengan Fatwa DSN-MUI- No: 19/DSN-MUI-/IV/2001 tentang Al-Qardh, Khususnyapada poin pertama butir ketiga yang menyatakan bahwa biaya administrasi dibebankan kepada nasabah. Selain itu konsep ini juga sejalan dengan teori hudud Muhammad Syahrur, terutama pada golongan kedua, yaitu golongan mereka yang hanya mampu mengembalikan pokok pinjamannya saja.
LAND LEASE SYSTEM BETWEEN LAND OWNERS AND PT SUMBER ALFARIA TRIJAYA TBK IN CENTRAL LAMPUNG REGENCY FROM THE PERSPECTIVE OF SHARIA ECONOMIC LAW Fuadi, As'ad; Mohammad Yasir Fauzi; Liky Faizal
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1328

Abstract

ABSTRACT Humans as social creatures are a nature given by Allah SWT. For this reason, humans will need each other and cannot live alone to fulfill their daily needs. One of the basic needs for humans is wealth. The ways to obtain wealth are very diverse, ranging from trading, farming, and also service activities. The practice of muamalah can be carried out with various contracts. One of them which is still the people's choice is the rental or ijarah contract. Ijarah is an agreement to transfer the right to use goods or services, through the payment of rental wages, without being followed by a transfer of ownership of the goods. The formulation of the problem in this research is. What is the Practice of the Land Lease System from a Sharia Economic Law Perspective in Alfamart, Central Lampung Regency. This research is a research approach used, a qualitative approach, which means a research process based on a methodology that investigates a phenomenon or problem in society. The research approach used will produce descriptive data in the form of written or spoken words and the behavior of the person being observed. The type of research used in this research is a case study, in which the researcher carries out an in-depth investigation of a unit, organization, institution, or certain phenomenon which then produces a good, complete and detailed picture. The results of this research found The aim is to establish a good relationship with the location owner. Based on research conducted by researchers regarding the land rental system in Alfamart, Central Lampung Regency, it can be concluded that the land rental practice that has been agreed upon by both parties does not fulfill the pillars and conditions of the ijarah. So the contract that has been carried out can become void. Apart from not fulfilling the pillars and requirements of ijarah, the land rental that occurs at Alfamart Central Lampung Regency also does not fulfill the principles of Islamic economics, these principles are the principles of divinity (Divine), justice (Adl), prophethood (Al -Nubuwah), government (Al -Caliph), and results or profits (Ma'ad).
AKAD IJARAH DAN MURABAHAH DI BMT ATINA BANYUBIRU: IMPLEMENTASI DAN KESESUAIAN TERHADAP FATWA DSN-MUI Niswatun Hidayah; Muhammad Pudail; Yeny Fitriyani
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1337

Abstract

Penelitian ini bertujuan untuk menganalisis implementasi akad ijarah dan murabahah pada produk pembiayaan di BMT Atina Banyubiru Semarang, dengan fokus pada kepatuhan terhadap prinsip syariah, efektivitas pelaksanaan serta kesesuainnya terhadap fatwa DSN-MUI. Penelitian menggunakan metode kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Wawancara dilakukan dengan manajer BMT Atina, staf marketing dan nasabah untuk mendapatkan informasi mendalam tentang pelaksanaan kedua akad tersebut. Hasil penelitian menunjukkan bahwa implementasi akad ijarah dan murabahah di BMT Atina Banyubiru telah sesuai dengan ketentuan Fatwa DSN-MUI, meskipun terdapat beberapa tantangan operasional seperti ketersediaan barang yang tidak selalu sesuai dengan permintaan nasabah. BMT Atina berhasil menerapkan prinsip transparansi dalam penetapan ujrah pada akad ijarah dan profit keuntungan pada akad murabahah. Kedua akad ini berkontribusi positif dalam memenuhi kebutuhan pembiayaan masyarakat, baik untuk keperluan konsumtif maupun produktif, dengan tetap menjaga kepatuhan terhadap prinsip-prinsip syariah.
IMPLEMENTASI PRODUK PEMBIAYAAN MITRA UMKM 0% DI BPRS BHAKTI SUMEKAR CABANG PRAGAAN (STUDI EFEKTIVITAS DAN MITIGASI RISIKO) Raya Argantara, Zaid; Fauzi, Faizah
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1338

Abstract

Ketidakpuasan yang dialami oleh pemerintah Kabupaten Sumenep dalam menurunkan angka kemiskinan yang mencapai 206,20 ribu jiwa mendorongnya untuk berkolaborasi dengan BPRS Bhakti Sumekar. Kerja sama tersebut berupa pemberian pembiayaan UMKM tanpa bunga guna mendukung pertumbuhan ekonomi lokal dengan menggunakan produk pembiayaan mitra UMKM 0%. Pembiayaan ini difokuskan pada pemilik UMKM karena peran mereka yang besar terhadap perekonomian nasional. Hal ini bertujuan untuk membantu UMKM yang mengalami kesulitan dana agar bisa bersaing dengan usaha lain. Permasalahan dalam penelitian ini adalah efektivitas produk pembiayaan mitra UMKM 0% di BPRS Bhakti Sumekar cabang Pragaan dan implementasi mitigasi risiko produk pembiayaan mitra UMKM 0% di BPRS Bhakti Sumekar cabang Pragaan. Penelitian ini menggunakan metode deskriptif kualitatif dengan sumber pengumpulan data melalui wawancara, observasi, dan dokumentasi. Sedangkan analisis data yang digunakan berupa reduksi data, penyajian data dan verifikasi data, sedangkan pengabsahan datanya, peneliti memilih triangulasi teknik. Program pembiayaan UMKM 0% yang ditawarkan oleh BPRS Bhakti Sumekar Cabang Pragaan terbukti efektif dalam mendukung pertumbuhan usaha mikro, kecil, dan menengah di wilayah tersebut. Dengan tingkat keberhasilan 85%, program ini telah berhasil menyalurkan dana kepada para pelaku UMKM. Proses penyaluran dana dilakukan dengan hati-hati melalui analisis 5C untuk memastikan risiko kredit terkendali.
TRANSFORMASI WAKAF PRODUKTIF BERBASIS NILAI-NILAI AL-QUR'AN: PENDEKATAN STUDI KASUS DI INDONESIA Munir, Misbahul
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1354

Abstract

Productive waqf is a strategic instrument in Islamic economics with significant potential to address socio-economic challenges, such as income inequality and poverty, while simultaneously fostering sustainable development. This article explores the transformation of productive waqf based on the values of the Qur'an, employing a case study approach in Indonesia. Qur'anic principles, such as justice (QS. Al-Hadid: 18), sustainability (QS. Al-Baqarah: 267), and wealth redistribution (QS. Ali Imran: 92), serve as the primary foundation for the modern and productive management of waqf. Through literature analysis and case studies of institutions like the Indonesian Waqf Board (Badan Wakaf Indonesia/BWI) and Sinergi Foundation, this study identifies that integrating Qur'anic values with digital innovation and professional nazhir management enhances the effectiveness of waqf as a socio-economic instrument. The findings reveal that digitalization, sharia-based asset management, and community participation can overcome traditional challenges, such as low waqf literacy and limited nazhir capacity. Strategic recommendations are proposed to strengthen the synergy between the government, waqf management institutions, and the community, particularly in optimizing productive waqf assets to support economic empowerment and equitable redistribution of welfare.
PENGEMBANGAN E-LEARNING BERBASIS SPIRITUAL UNTUK PELATIHAN DIGITAL MARKETING BAGI PELAKU UMKM HALAL DI KECAMATAN KOTO TANGAH KOTA PADANG Achta Pratama, Fahmi; Andika Yufa, Nanda; Farhan Abimayu, Muhammad
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1355

Abstract

This study aims to develop a spiritual-based e-learning platform for digital marketing training specifically designed for Halal MSMEs in Koto Tangah District, Padang City. This study uses the ADDIE (Analysis, Design, Development, Implementation, and Evaluation) model to identify training needs, design an e-learning platform, and test its validity and practicality. This platform integrates digital marketing technical skills with Islamic spiritual values, such as honesty, justice, and responsibility. The validation results by learning media experts showed an average Aiken's V score of 0.918, reflecting the quality of visual design, layout, and intuitive navigation. Validation by digital marketing material experts obtained an average Aiken's V score of 0.924, indicating the relevance and depth of the material that is in accordance with the needs of MSMEs. Trials on 20 halal MSMEs showed an average practicality score of 88.75%, which is included in the "Practical" category. User responses included ease of use, time flexibility, and relevant spiritual values. The findings suggest that spiritual-based e-learning is effective in improving digital marketing competencies while strengthening ethical business practices that are in accordance with sharia principles. Recommendations include developing more intensive technical assistance for users with low digital literacy and evaluating the long-term impact on the performance of halal MSME businesses.

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