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Aksioma Al-Musaqoh
Published by Sekolah Tinggi Agama Islam La Tansa Mashiro
ISSN : 2721294     EISSN : 27973816     DOI : 10.55171/jam
Core Subject : Religion, Economy, Education,
Religion Economics, Econometrics & Finance Education
Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies managed by the Islamic Economics Study Program STAI La Tansa Mashiro Rangkasbitung. Published twice a year, in June and December. The journal focuses on providing quality research in Islamic economics, banking and finance. This journal aims to cover topics that are important in modern Islamic economics and finance. The language used is Indonesian. The editor invites researchers, lecturers, reviewers, industry practitioners and observers to contribute.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 66 Documents
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PENGARUH DISIPLIN DAN TUNJANGAN PROFESI GURU TERHADAP PRESTASI KERJA DI MTS N 2 KOTA CILEGON Mahfudoh; M. Fulaisum Firdaus; Masruroh
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 8 No 2 (2025): DESEMBER 2025
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Semakin berkembangnya zaman modern, persaingan dalam mencari kekayaan pun semakin terlihat. Itulah sebabnya pendidikan kini menjadi salah satu kebutuhan wajib di setiap negara. Metode penelitian ini penulis menggunakan metode survey dan jenis penelitian yang dilakukan adalah penelitian asosiatif kasual dengan pendekatan kuantitatif, sedangkan untuk pengolahan data menggunakan spss versi 25. Dengan menggunakan pendekatan kuantitatif dengan mengambil populasi guru Mts N 2 Cilegon. Jumlah sampel 53 responden. Hasil uji t variabel Disiplin (X1) mendapatkan nilai thitung sebesar 7,234 dan nilai signifikansi sebesar 0,000 jadi kesimpulannya df = n-k jadi 53 – 3 (Variabel), dengan itu thitung > ttable dengan nilai ttable 1.67591 jadi thitung 7,234 > 1.67591 Ho ditolak, nilai signifikansi dengan nilai 0,000 < 0,05 disimpulkan nilai signifikansi lebih kecil dari nilai 0,05 dengan ini Ha diterima. Jadi bahwa Disiplin berpengaruh terhadap Prestasi Kerja dan uji t variabel Tunjangan Guru (X2) mendapatkan nilai thitung sebesar 4,999 dan nilai signifikansi sebesar 0,000 jadi kesimpulannya df = n-k jadi 53 – 3 (Variabel), dengan itu thitung > ttable dengan nilai ttable 1.67591jadi thitung 4,999 > 1.67591 Ho ditolak, nilai signifikansi dengan nilai 0,000 < 0,05 disimpulkan nilai signifikansi lebih kecil dari nilai 0,05 dengan ini Ha diterima. Jadi Tunjangan Guru berpengaruh terhadap Prestasi Kerja. Untuk hasil uji f nilai F = 29,429 dengan berdasarkan table distribusi Ftabel (df1 = 2, Df2 = n-k-1 (53-2-1 = 50) pada taraf α = 5% Ftabel adalah 2.79. Sehingga Fhitung > Ftabel (29,429> 2.79). Disimpulkan bahwa Ho ditolak dan nilai signifikan < nilai probabilitas 0,000 < 0,05, karena nilai signifikan pengujian lebih atau berada dibawah nilai α = 5% maka Ha diterima dapat disimpulkan bahwa gabungan dua variabel independen yang terdiri dari variabel Disiplin, dan Tunjangan Guru mempunyai pengaruh positif dan signifikan secara simultan terhadap Prestasi Kerja.
SRATEGI INOVASI PRODUK PERBANKAN SYARIAH BERBASIS KEBUTUHAN GEN Z Ishma Nurhasanah; Khairatul Umuri; Rezeki Amalia; Husni Kamal
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 9 No 1 (2026): JUNI 2026
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v9i1.1704

Abstract

Industri perbankan syariah Indonesia menghadapi tantangan strategis dalam menarik dan mempertahankan nasabah dari gen Z yakni kelompok yang lahir antara 1997 hingga 2012 dan kini mulai mendominasi segmen konsumen aktif. Meskipun total aset perbankan syariah nasional telah melampaui Rp800 triliun, pangsa pasarnya masih berkisar 7,5% dari total perbankan nasional, salah satunya akibat keterbatasan inovasi produk yang sesuai dengan preferensi digital Gen Z. Penelitian ini bertujuan mengidentifikasi karakteristik kebutuhan keuangan Gen Z, menganalisis bentuk inovasi produk perbankan syariah yang paling relevan, mengevaluasi dampak inovasi terhadap kinerja institusi, serta merumuskan rekomendasi strategis implementasi inovasi. Metode yang digunakan adalah tinjauan literatur sistematis (Systematic Literature Review/SLR) terhadap sumber akademik dan laporan industri terpercaya. Hasil penelitian menunjukkan bahwa Gen Z memiliki lima dimensi kebutuhan utama: aksesibilitas digital tinggi, transparansi produk, relevansi nilai etis-sosial, inklusivitas finansial, dan personalisasi layanan. Inovasi yang paling relevan mencakup tabungan digital berbasis tujuan dengan fitur gamifikasi, investasi mikro syariah melalui platform digital, integrasi ekosistem fintech halal, serta pembiayaan berbasis penilaian kredit alternatif. Data menunjukkan bahwa bank syariah yang aktif berinovasi mencatat pertumbuhan DPK rata-rata 18,7% per tahun dengan proporsi nasabah muda mencapai 42–48%, jauh melampaui bank yang konservatif. Penelitian ini menyimpulkan bahwa inovasi produk berbasis kebutuhan Gen Z bukan sekadar pilihan taktis, melainkan keniscayaan strategis untuk menjamin relevansi dan daya saing perbankan syariah Indonesia dalam jangka panjang.
PENGEMBANGAN PRODUK HYBRID CONTRACT DALAM PERBANKAN SYARIAH Aulia Putri Putri; Fazna Anggia Muslimah; Jihan Luthfi Arwana; Husni Kamal
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 9 No 1 (2026): JUNI 2026
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v9i1.1705

Abstract

The development of the Islamic banking industry requires continuous product innovation to meet the growing demands of modern financial transactions while maintaining compliance with Sharia principles. One of the innovations that has gained significant attention is the hybrid contract, which refers to the combination of two or more contracts within a single transaction framework to achieve specific economic objectives. This study aims to analyze the concept of hybrid contracts, their implementation in Islamic banking, the benefits they provide, and the Sharia compliance challenges associated with their application. This research employs a qualitative approach using a library research method, drawing upon the Qur'an, Hadith, DSN-MUI fatwas, Islamic banking regulations, books, and relevant academic literature. The findings reveal that hybrid contracts are generally permissible in Islamic law as long as they do not contradict Sharia principles and each contract involved fulfills its respective legal requirements and conditions. The implementation of hybrid contracts in Islamic banking can be found in products such as murabahah bil wakalah, ijarah muntahiyah bittamlik (IMBT), and multi-service financing schemes. The use of combined contracts offers several advantages, including greater product flexibility, improved transaction efficiency, expanded financial services, and enhanced competitiveness of Islamic banks. However, their application also presents challenges, such as the potential presence of riba, gharar, legal stratagems (hilah), and the complexity of Sharia supervision. Therefore, the development of hybrid contract products requires transparent contract structures, effective supervision, and strict adherence to Sharia principles. This study concludes that hybrid contracts play a strategic role in supporting innovation and the growth of Islamic banking in the modern era, provided they remain aligned with the objectives of Sharia (maqashid al-shariah) and the principle of prudence.
TINJAUAN FIKIH MUAMALAH TERHADAP PRAKTIK SHORT SELLING DAN MARGIN TRADING DI PASAR MODAL KONVENSIONAL SEBAGAI REFLEKSI PENGUATAN PASAR MODAL SYARIAH Budiman Budiman; Deden Hidayat; Yayah Rukhayah; Amelia
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 9 No 1 (2026): JUNI 2026
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v9i1.1714

Abstract

Short selling and margin trading enhance liquidity in conventional markets but trigger volatility and disadvantage retail investors. This study critically analyzes their operational mechanisms from contemporary Fiqh Muamalah perspectives to strengthen Indonesia's Shariah Online Trading System (SOTS) architecture. Using a descriptive-qualitative method with a legal-normative approach, secondary data from DSN-MUI fatwas, OJK regulations, and Islamic jurisprudence were analyzed via content and comparative techniques. The results indicate that short selling features structural Sharia flaws, categorized as bai' al-ma'dum and violating qabdh, which introduces gharar and maysir. Meanwhile, margin trading constitutes riba al-qardh due to commercial interest on leverage. Conclusively, these prohibitions are effectively integrated into SOTS through systemic barriers: automatically rejecting zero-balance short sales and enforcing a Cash Advanced Market. This offers crucial insights for regulators designing resilient Islamic capital market roadmaps.
EFEKTIVITAS USAHA MIKRO DALAM PENINGKATAN KESEJAHTERAAN EKONOMI MASYARAKAT Noorma Yunia; Setyabudi Daryono; Ilmi Albadiah; Euis Ajizah; Ade Sahruroji
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 9 No 1 (2026): JUNI 2026
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v9i1.1716

Abstract

The existence of the Mawar Donut microenterprise has also been very helpful in alleviating social welfare issues and can help reduce the unemployment rate in the region. On the other hand, the microenterprise is also able to absorb labor in the region, thereby reducing the unemployment rate. To determine the effectiveness of the Mawar Donut microenterprise, To determine the effectiveness of the Mawar Donut microenterprise in improving economic well-being, qualitative research—which is designed to describe and analyze phenomena, events, social activities, attitudes, beliefs, perceptions, and the thoughts of individuals or groups—uses a case study approach. Qualitative data is typically collected through various methods, such as interviews and observation. fieldwork, and documentation. Data collection techniques included observation, interviews, and documentation. The results of the study on Mawar Donat showed that the interview with Mrs. Ulfah Khofifah, the owner of the Mawar Donat shop, was effective in improving the well-being of the community surrounding the shop. Its location within a specific area—including the school zone—has boosted the prosperity of the Mawar Donat business and supported the local economy in general, making Mawar Donat a business that caters to the needs of every customer, whether for resale or for daily consumption.
PENGARUH KESEJAHTERAAN KARYAWAN, PENGEMBANGAN KARIR, DAN LINGKUNGAN KERJA TERHADAP RETENSI KARYAWAN Anita Septiani; Muyasaroh; Ahlu Dzikri
e-Jurnal Aksioma Al-Musaqoh : Journal of Islamic Economics and Business Studies Vol 9 No 1 (2026): JUNI 2026
Publisher : STAI La Tansa Mashiro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55171/jam.v9i1.1733

Abstract

This study aims to analyze the effect of employee welfare, career development, and work environment on employee retention at PT Mahakarya Mitra Sejahtera. This research uses a quantitative approach with multiple linear regression analysis. Data were collected through questionnaires distributed to 80 respondents and processed using SPSS version 25. The results show that partially, employee welfare has a positive and significant effect on employee retention. Meanwhile, career development and work environment do not have a significant effect individually. However, simultaneously all independent variables have a significant effect on employee retention. The coefficient of determination (R²) is 0.177, indicating that the variables explain 17.7% of the variation in employee retention.

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