cover
Contact Name
Juni Iswanto
Contact Email
juniiswanto@iaipd-nganjuk.ac.id
Phone
+6285731128135
Journal Mail Official
dinamikaekonomi@iaipd-nganjuk.ac.id
Editorial Address
Mantub, Kramat, Kec. Nganjuk, Kabupaten Nganjuk, Jawa Timur 64419
Location
Kab. nganjuk,
Jawa timur
INDONESIA
Jurnal Dinamika Ekonomi Syariah
ISSN : 26543567     EISSN : 27157334     DOI : https://doi.org/10.53429/jdes.v8i2
Core Subject : Religion, Economy,
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
Articles 238 Documents
A STUDY OF CONSUMERIST BEHAVIOR IN ISLAM IN THE CONTEXT OF E-COMMERCE Zafirah, Riska; Maulana, Hafiizh; Octavian Pranata, Eka
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (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.v13i2.2141

Abstract

The rapid advancement of digital technology has fueled the expansion of e-commerce and changes in consumer consumption patterns, particularly through double-date promotional events. Time-limited promotional strategies often trigger psychological pressure known as Fear of Missing Out (FoMO), which may influence impulsive behavior. This study aims to analyze the effect of double-date promotional events and FoMO on impulsive buying, as well as to examine the role of FoMO as a mediating variable. This study employed a quantitative explanatory method. Data were collected through an online survey of 130 Generation Z respondents in Banda Aceh, selected using purposive sampling techniques. The data were analyzed using path analysis with the Sobel test to examine the mediating effect. The findings indicate that double-date promotional events do not have a direct and significant effect on impulsive buying, whereas FoMO has a direct and significant effect on impulsive buying behavior. Furthermore, the analysis confirms that FoMO functions as a mediating variable; however, the mediating effect has not reached statistical significance. This suggests that impulsive buying behavior is more strongly influenced by psychological factors than by promotional strategies. From an Islamic perspective, these findings emphasize the importance of self-control in consumption activities in order to achieve maslahah and avoid excessive consumption.
A SHARIA ENTREPRENEURSHIP MODEL FOR STRENGTHENING ECONOMIC INDEPENDENCE IN VOCATIONAL TAHFIDZ INSTITUTIONS: A CASE STUDY OF MA’HAD TAHFIDZ AMAN BESTARI SELANGOR Winda Rizki Juliyanti; Muhammad Nurul Fahmi
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (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.v13i2.2267

Abstract

This study aims to analyse and formulate a Sharia-based entrepreneurship model as a strategy to strengthen the economic independence of a vocational tahfidz institution, using Ma’had Tahfidz Aman Bestari Selangor as an in-depth case study. The scope of the research focuses on institutional business practices, governance mechanisms, and value integration within a Sharia social enterprise framework. A qualitative approach with a revelatory single case study design was employed. Data were collected through semi-structured interviews with institutional leaders and business managers, participatory observation of entrepreneurial activities, and analysis of financial and program documents. The findings reveal that Sharia entrepreneurship at the institution is implemented as an integral part of organisational governance, supported by diversified halal business units and a transparent social enterprise model. The entrepreneurship model is structured around four interrelated dimensions: maqashid-based values, institutional governance, productive economic activities, and vocational engagement. These dimensions operate in a dynamic and mutually reinforcing manner, enabling the institution to reduce dependence on external donations and enhance financial resilience. The study concludes that Sharia entrepreneurship, when institutionalised and value-driven, serves as an effective business strategy for achieving sustainable economic independence in faith-based organisations. The proposed model contributes to the literature on institutional Islamic entrepreneurship and offers a replicable framework for similar organisations seeking sustainable business development without compromising Sharia principles
ANALYSIS OF FINANCING RESTRUCTURING POLICY TO IMPROVE COLLECTIBILITY AND FINANCIAL PERFORMANCE David Kurniawan; Desi Wahyuni
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (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.v13i2.2316

Abstract

This study aims to analyze the role of the financing restructuring policy in improving financing collectibility and maintaining financial performance at BMT Mitra Sejahtera Mandiri. This research employs a mixed-methods approach with a descriptive design. Quantitative data were analyzed using financing collectibility indicators and the Non-Performing Financing (NPF) ratio obtained from the institution's internal reports, while qualitative data were obtained through in-depth interviews with the institution's management to explore the mechanisms and considerations underlying the restructuring policy. The results of the study indicate that financing restructuring carried out through rescheduling, reconditioning, and restructuring functions as both a corrective and preventive risk management strategy. This policy helps prevent financing classified under special mention from developing into non-performing financing, as well as supports the stability of the financing portfolio. Furthermore, the restructuring policy contributes to maintaining the institution's cash flow and preserving its financial intermediation function. From an Islamic economic perspective, this policy reflects a balance between prudent financial management and social values such as justice and mutual assistance. Overall, financing restructuring serves as an adaptive risk management instrument in supporting the financial sustainability of Islamic microfinance institutions.
MARKETING STRATEGIES FOR INCREASING CUSTOMER ACQUISITION IN MURABAHAH FINANCING PRODUCTS Mohammad Alief Hidayatullah; Riska Nuri Anggraeni
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (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.v13i2.2322

Abstract

This study aims to analyze marketing strategies to increase the number of customers for murabahah financing products at BMT Karanganyar Paiton. Murabahah financing is one of the leading products of Islamic financial institutions that plays a significant role in supporting the financing needs of the community, especially micro and small businesses. The research method used is a qualitative approach with field research. Data collection techniques were carried out through interviews, observations, and documentation related to marketing activities and the development of the number of murabahah financing customers. The results show that the marketing strategy implemented by BMT Karanganyar Paiton includes the implementation of a marketing mix that covers aspects of product, price, place, and promotion, as well as a personal approach to customers. This strategy is considered capable of increasing public interest and trust in murabahah financing products. However, there are several obstacles faced, such as limited human resources and low public understanding of Islamic financial products. This study concludes that an appropriate, consistent, and sharia-compliant marketing strategy plays a significant role in increasing the number of murabahah financing customers at BMT Karanganyar Paiton.
THE PHILANTHROPY OF ISLAMIC BOARDING SCHOOLS IN ECONOMIC EMPOWERMENT Eko Wahyudi; Subandi; A. Muslimin
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (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.v13i2.2333

Abstract

This study aims to analyze the forms, roles, and impacts of Islamic philanthropy based on pesantren in empowering the community’s economy at Pondok Pesantren Al-Falakhussa’adah. The scope of the research includes philanthropic practices in education, social-humanitarian activities, productive economic programs, and ZISWAF management. This study employs a qualitative method with an empirical approach through field research. Data were collected through observation, semi-structured interviews, and documentation, and analyzed inductively through data reduction, data display, and conclusion drawing. The findings reveal that philanthropic practices in the pesantren have shifted from a charity-based approach toward an empowerment-based model. The programs include scholarships, social assistance, business capital support, and entrepreneurship training. These initiatives have contributed to increasing economic independence, creating new micro-enterprises, improving income levels, and establishing a community-based economic network. In conclusion, Pondok Pesantren Al-Falakhussa’adah has developed an integrative philanthropic model that combines religious, social, and economic values. Although still dominated by consumptive practices, the transition toward productive philanthropy indicates strong potential for sustainable community welfare improvement.
EVALUATING THE EFFECTIVENESS OF MURABAHAH FINANCING IN PROMOTING MSME DEVELOPMENT Muhammad Aulia Rohman; Annikmah Farida; Nur Alfi Khotamin
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (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.v13i2.2334

Abstract

This research is motivated by the importance of Islamic financing in supporting the growth of micro, small, and medium enterprises (MSMEs), particularly through the Murabahah contract, which is the flagship product at BMT Asy-Syafi’iyah Kota Gajah. Murabahah financing is considered capable of providing affordable, transparent, and Sharia-compliant capital solutions, thus requiring an evaluation of its implementation effectiveness for MSME actors. This study aims to determine the extent to which Murabahah financing contributes to business development, ease of access to financing, and the suitability of fund usage with business needs. The research method used is a qualitative approach with a descriptive design. Data were collected through in-depth interviews, observation, and documentation, with informants consisting of the head of BMT, account officers, and Murabahah financing customers. Data analysis was conducted through reduction, presentation, and conclusion drawing, with triangulation as the validation technique. The results show that Murabahah financing at BMT Asy-Syafi’iyah Kota Gajah effectively increases business turnover, expands production capacity, and facilitates working capital for MSME actors. Easy application procedures, direct mentoring, and the alignment of funds with business needs are the main supporting factors for the effectiveness of this financing. Thus, Murabahah financing is proven to play a positive role in empowering MSMEs sustainably
SERVICE QUALITY AND RELIGIOSITY AS DETERMINANTS OF SAVING DECISIONS IN ISLAMIC MICROFINANCE INSTITUTIONS Roy Mabruri; Finny Ligery; Agus Setiawan
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (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.v13i2.2335

Abstract

This study aims to examine the role of service quality and religiosity as determinants of members’ saving decisions in Islamic microfinance institutions. This research employs a quantitative approach with an explanatory design. Data were collected through questionnaires distributed to 77 members of an Islamic microfinance institution and analyzed using multiple linear regression. The results indicate that both service quality and religiosity have a positive and significant effect on members’ saving decisions, both partially and simultaneously. Religiosity is found to have a more dominant contribution compared to service quality. Simultaneously, the two variables explain 74.1% of the variance in saving decisions. These findings suggest that improving service quality alongside strengthening religious values is a crucial strategy to enhance members’ saving decisions in Islamic microfinance institutions.
BRAND IMAGE AND ISLAMIC MARKETING AS DETERMINANTS OF PURCHASING DECISIONS FOR BOTTLED DRINKING WATER PRODUCTS Nur Sayfudin; Finny Ligery; A. Muslimin
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (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.v13i2.2337

Abstract

This study aims to analyze the effect of brand image and Islamic marketing on purchasing decisions of Way NU bottled drinking water products in Metro City, both partially and simultaneously. The scope of this research focuses on consumer behavior in making purchasing decisions influenced by branding factors and Islamic values. This study employs a quantitative approach with an explanatory research design. The sample consists of 100 respondents selected using purposive sampling, with criteria of being at least 17 years old and having purchased Way NU products. Data were collected through questionnaires using a Likert scale and analyzed using validity, reliability, normality, and linearity tests, as well as multiple linear regression analysis with the assistance of IBM SPSS Statistics 25. The results show that brand image has a positive and significant effect on purchasing decisions with a significance value of 0.039. Islamic marketing also has a positive and significant effect with a significance value of 0.000 and is the more dominant variable. Simultaneously, both variables significantly influence purchasing decisions, as indicated by an F-value of 107.581 and a significance level of 0.000. The coefficient of determination (R²) of 0.689 indicates that 68.9% of the variation in purchasing decisions can be explained by brand image and Islamic marketing. In conclusion, marketing strategies that integrate strong brand image and Islamic marketing values are effective in increasing consumer purchasing decisions, particularly in communities with high levels of religiosity