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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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ANALYSIS OF THE HEALTH LEVEL OF BANK NTB SYARIAH USING THE RGEC METHOD FOR THE 2020–2024 PERIOD Azzahroh, Evrita Putri; Nur Fazila Milawati
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): 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.v13i1.1941

Abstract

This study aims to analyze the health level of Bank NTB Syariah during the 2020–2024 period using the RGEC method, which comprises Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital, as stipulated by the Financial Services Authority (OJK). The research employs a descriptive quantitative approach using secondary data obtained from the bank’s published annual financial reports. The results indicate that Bank NTB Syariah demonstrates a generally healthy financial condition throughout the observation period. From the Risk Profile aspect, the Non-Performing Financing (NPF) ratio consistently remains below the regulatory threshold of 5%, reflecting effective credit risk management, while the Financing to Deposit Ratio (FDR) shows the bank’s adequate liquidity management despite fluctuations in third-party funds. In terms of Good Corporate Governance, qualitative analysis based on annual reports and shareholders’ meetings indicates that governance practices are implemented in accordance with OJK guidelines and fall within the healthy category. The Earnings component, measured through Return on Assets (ROA), Return on Equity (ROE), and BOPO, reveals stable profitability performance, accompanied by a gradual improvement in operational efficiency. Meanwhile, the Capital aspect demonstrates strong capital adequacy, indicating the bank’s ability to absorb potential risks and support sustainable growth. Overall, the RGEC assessment confirms that Bank NTB Syariah has maintained sound financial performance and risk management following its conversion into a fully Sharia-compliant regional bank
REVIEW OF SHARIA ECONOMIC LAW ON THE WORKERS' WAGE SYSTEM Reza Maihendra; Iskandar syukur; Gatot Bintoro Putro Aji
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): 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.v13i1.2071

Abstract

This study examines the wage system for workers in Jaya Screen Printing Pelastik Desa Negara Ratu, Natar District, South Lampung Regency from the perspective of Islamic economic law. Using a descriptive-analytical qualitative approach, data was collected through in-depth interviews with seven informants, direct observation, and documentation during February-April 2025. The results showed that the company implemented two wage systems: wage per unit (Rp5,000-8,000/kg) for operators and screen printing assistants, and daily wage (Rp70,000-80,000) for drivers and assistants. This creates a significant income gap, with workers earning IDR 40,000-96,000 per day compared to a fixed daily wage for an equivalent 8-hour workload. Critical findings included the absence of written employment contracts for all 11 workers, with wage agreements made orally. Analysis based on the principles of Islamic economic law shows inconsistencies in four main aspects: the justice of distribution (al-'adl) is violated because wages are disproportionate; the clarity of the contract (al-'aqd al-mubin) does not exist, creating gharar (uncertainty); voluntary agreements (al-taradhi) are disrupted by the weak bargaining position of the workers; and the accuracy of the payment is not in accordance with the hadith of the Prophet, which requires immediate payment of wages. The study concluded that the wage system does not meet the requirements of the ijarah contract, especially related to clear ijab qabul and fair ujrah, which has the potential to involve zulm (oppression) and exploitation of workers. Recommendations include the development of a standard ijarah contract template with minimum wage provisions based on the South Lampung Regency Minimum Wage (Rp2,889,193/2024), the implementation of a hybrid wage system that combines a fixed basic wage with productivity incentives, as well as the establishment of a government program that provides sharia-compliant employment contracts and halal wage certification for micro enterprises.
AN ANALYSIS OF THE EFFECTIVENESS OF AL-QARDH FINANCING ON MICRO BUSINESS DEVELOPMENT Diana Nur Sena Wati; Finny Ligery; Agus Mushodiq
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): 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.v13i1.2099

Abstract

This study aims to analyze the effectiveness of Al-Qardh financing in supporting the development of micro-businesses. Al-Qardh is a non-interest benevolent loan intended to provide financial assistance for productive needs without commercial motives. Limited capital and insufficient financial knowledge often hinder small communities from expanding their businesses, making Al-Qardh a potential solution for empowering micro-enterprises. This research employs a qualitative field approach with data obtained through observation, interviews, and documentation. The informants include management, employees, and financing members of BMT Assyafi’iyah. The collected data were analyzed using an inductive thinking pattern to derive conclusions based on empirical findings. The results indicate that the implementation of Al-Qardh financing is generally effective in facilitating business growth. The financing procedure, eligibility assessment, disbursement mechanism, installment payment system, and monitoring process align with the concept of qardhul hasan as a loan provided without compensation, requiring borrowers to return the principal amount within the agreed period. Furthermore, Al-Qardh financing contributes to increasing business capital and encourages business continuity among members
STRENGTHENING FINANCIAL GROWTH THROUGH FULL COSTING IMPLEMENTATION AND SALES MONITORING: A CASE STUDY ON BRICK MSME IN SUPPORTING SDGS 9 Widiya Wulandari; Nasution, Annio Indah Lestari; Syafina, Laylan
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): 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.v13i1.2110

Abstract

This study aims to analyze the implementation of the full costing method and sales monitoring practices and their implications for the financial growth of brick businesses in supporting the achievement of Sustainable Development Goals (SDGs) 9: Industry, Innovation, and Infrastructure. The study used a qualitative approach with an explanatory case study at the Jaya Family Brick Business in Karang Anyar Village, Serdang Bedagai Regency. Data were obtained through direct observation, in-depth interviews with the owner and core workers, and documentation of cost and sales records. The results showed that before the implementation of full costing, the calculation of the cost of goods manufactured was carried out simply and did not include all overhead cost components, especially the maintenance costs of production assets. After the calculation using the full costing method, the cost of goods manufactured increased from Rp251 to Rp258 per unit, which reflects the real cost conditions of the business. These findings indicate that the full costing method is able to provide more accurate cost information as a basis for determining selling prices and controlling profit margins. In addition, the practice of sales monitoring, which is still administrative and manual, has not been optimally utilized as a strategic decision-making tool, especially in controlling receivables, production planning, and inventory management. The integration of full costing-based costing and structured sales monitoring has proven crucial in strengthening financial control and supporting sustainable business growth. This study confirms that strengthening cost and sales management in traditional production MSMEs is a strategic step in increasing the competitiveness of small-scale industries and supporting the achievement of SDG 9
MEMORABLE TOURIST EXPERIENCE AND REVISIT INTENTION: THE MEDIATING ROLE OF DESTINATION IMAGE Mohammad Faidlur Rahman; Mar’atul Fahimah
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): 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.v13i1.2114

Abstract

Sustainable tourism is a key focus in the development of tourist destinations in Indonesia, including Ketapanrame Village, Trawas, one of the nation's best tourist villages. Although the number of tourist visits tends to increase, fluctuations in visits indicate the need for strategies to encourage sustainable revisit intentions. This study aims to analyze the influence of Memorable Tourist Experience (MTE) on revisit intentions, with destination image as a mediating variable. The study used a quantitative approach through questionnaires conducted with tourists who had visited Sumber Gempong and Ghanjaran Park in the past two years. Data analysis was conducted using Structural Equation Modeling (SEM). The results show that MTE has a positive and significant effect on destination image and revisit intentions, while destination image also has a positive effect on revisit intentions and mediates the effect of MTE. These findings emphasize the importance of memorable tourist experiences in building destination image and increasing tourist loyalty, thus supporting the sustainability of tourism in Ketapanrame Village.
THE EFFECT OF DIGITAL SERVICE QUALITY AND ISLAMIC BRANDING ON CUSTOMER LOYALTY OF BYOND BY BSI USERS Zahrotul Aini, Dewi; Hakim, Lukmanul
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): 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.v13i1.2124

Abstract

This study examines the determinants of customer loyalty in Islamic digital banking, focusing on the roles of digital service quality and Islamic branding in the context of BYOND by BSI users in Pamekasan Regency. Using a quantitative explanatory approach, data were collected from 100 active users through structured questionnaires and analyzed using multiple linear regression. The findings reveal that digital service quality significantly enhances customer loyalty through reliable systems, ease of use, responsiveness, and security. Islamic branding also demonstrates a positive and significant influence, reflecting the importance of Sharia compliance and the integration of religious values in strengthening long-term customer commitment. Moreover, both variables simultaneously exert a substantial effect on loyalty, indicating a synergistic relationship between technological excellence and value-based branding. These results suggest that sustainable loyalty in Islamic digital banking is achieved not only through superior digital performance but also through authentic alignment with Islamic principles, offering strategic implications for Islamic financial institutions in regional markets.
EFFECTIVENESS AND SUSTAINABILITY OF THE NU COIN MOVEMENT PROGRAM IN ENHANCING COMMUNITY WELFARE Kiki Yulinda Ningsih; Didik Kusno Aji; Agus Mushodiq
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): 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.v13i1.2125

Abstract

This study examines the persistent issue of poverty within Muslim communities in Indonesia, particularly in Raman Utara District, despite Islamic teachings that emphasize zakat, infaq, and almsgiving as instruments for social welfare. Specifically, the research analyzes the effectiveness of the NU Coin Movement Program in improving community welfare, highlighting the fact that although the program was initially implemented in ten villages, eight of them have stagnated or ceased operations over the past two years. This condition indicates a lack of consistency and sustainability in program implementation. The study employs a qualitative descriptive field research approach. Data were collected through direct observation and semi-structured interviews with beneficiaries, NU Care-LAZISNU administrators, and community leaders in Raman Utara, supported by secondary data from the Central Bureau of Statistics, institutional reports, and academic journals. Data analysis followed the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing and verification, with data validity ensured through source and method triangulation. The findings reveal that the NU Coin Program has achieved only partial effectiveness, as only two out of ten villages have consistently implemented the program and fulfilled key indicators, including planning, organizing, implementation, and supervision. Transparency in fund management is closely associated with public trust and community participation. Although the program has not yet demonstrated a broad and measurable improvement in overall community welfare, tangible benefits are still perceived by economically disadvantaged groups. Supporting factors include strong leadership, transparent fund management, effective and continuous socialization, and visible social impact, while inhibiting factors involve weak managerial commitment, lack of transparency, ineffective initial socialization, and inconsistent monitoring
THE EFFECT OF ISLAMIC SOCIAL REPORTING MODERATION AND ISLAMICITY PERFORMANCE INDEX ON THE MILLENNIAL GENERATION THIRD-PARTYFUNDS Laila Nursaputri; Hendra Harmain
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): 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.v13i1.2137

Abstract

This study aims to analyze the moderating effect of Islamic social reporting, Islamicity performance index on millennial generation on third party funds through Islamic social reporting as a moderating variable. This study uses quantitative methods. This study uses purposive sampling in taking samples from a population of 18 millennial generations. Data analysis uses multiple linear regression and moderate regression analysis (MRA). The results show that ISR has a significant effect on the Islamic Performance index in millennial generation banking. The Islamic Performance index does not have a significant effect on the millennial generation on third party funds. Likewise, the millennial generation does not have an effect on third party funds in Islamic banking. ISR has a significant effect on the Islamic Performance index in the millennial generation. ISR is only able to moderate the effect on financial performance in the millennial generation. However, the Islamic Performance index is not able to influence the millennial generation on third party funds. ISR, IPI has a coefficient value of -0.160, a t-value of -2.246 and a sig. value. 0.039 < 0.05, meaning that ISR can moderate the influence of IPI on the millennial generation (H5 is accepted). Ipi and the millennial generation have a coefficient value of -0.003, a t-count value of -0.250 and a sig. value of 0.806 > 0.05, meaning that Ipi and the millennial generation cannot moderate the influence on third parties (H6 is rejected). Ipi's Isr has a coefficient value of -0.064, a t-count value of -0.728 and a sig. value of 0.477 > 0.05, meaning that ISR cannot moderate the influence of IPI on the millennial generation (H7 is rejected).
CONSUMPTION ETHICS IN ISLAMIC MICROECONOMICS AND ITS IMPACT ON FAMILY WELFARE Santoso, Tulus Budi; Masduqie, Muhammad Hamdan Ali
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): 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.v13i1.2242

Abstract

This study investigates the impact of Islamic microeconomic consumption ethics on Muslim family welfare by emphasizing empirical outcomes and their practical implications. Using survey data from 120 Muslim households collected through random sampling and analyzed with simple linear regression, the findings demonstrate a strong and statistically significant relationship between Islamic consumption behavior and family welfare (p < 0.05). The coefficient of determination (R² = 0.74) indicates that the implementation of Islamic consumption principles explains a substantial proportion of welfare variation. Empirical results reveal that adherence to halal and thayyib consumption, the avoidance of israf (excessive spending), and the prioritization of needs based on the hierarchy of dharuriyat, hajiyat, and tahsiniyat significantly enhance financial stability, psychological well-being, and social harmony. Moreover, the integration of zakat and charitable practices strengthens household resilience and reinforces social solidarity. These findings confirm that Islamic consumption ethics function not merely as normative religious guidelines but as an effective microeconomic mechanism for promoting sustainable family welfare and achieving falah through the integration of material and spiritual dimensions.
NATIONAL INCOME ANALYSIS IN THE PERSPECTIVE OF ISLAMIC ECONOMICS: A MAQASID AL-SHARIAH APPROACH Luttadinata, Zefry; Mohamad Setia Maulana Affandi; Andriani; Yuliani; Binti Mutafarida
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 1 (2026): 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.v13i1.2313

Abstract

National income according to maqashid syaria is a concept based on the principles of ethics and justice in the distribution of wealth and resources. Unlike the conventional approach, which focuses on output aggregation, the Islamic economic perspective positions national income as an instrument of social justice distribution. The purpose of this study is to understand the meaning and scope of national income and to understand national income from an Islamic economic perspective. The researcher's motivation in this study is the desire to analyze the potential of national income to achieve comprehensive welfare for the ummah (community). The methodology used in this study is a descriptive qualitative approach. The conclusion of this study is that in Islamic economics, the sources of state revenue are designed not only to achieve economic goals, but also to create social justice and welfare for all members of society. The novelty of this study lies in its comparison, which formulates a new integrative standard that is a new concept of measuring welfare integration that has a more comprehensive impact.

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