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Al-Sharf: Jurnal Ekonomi Islam
Published by Rahmat Islamiyah Press
ISSN : -     EISSN : 27235440     DOI : http://dx.doi.org/10.30596%2Fal-sharf.v1i3.98
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Sharf: Journal of Islamic Economics published by the Rahmat Islamiyah Foundation, Medan, Indonesia. In this journal the articles contain articles about the fields of Islamic scientific research and Islamic education. Al-Sharf: Journal of Islamic Economics received manuscripts in the field of research including scientific fields that are relevant to: Islamic economics, especially in the field of sharia management and sharia banking. Al-Sharf: Journal of Islamic Economics published three times published in February, June, and October. ISSN 2723-5440 (Online)
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 16 Documents
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Search results for , issue "Vol 6, No 2 (2025)" : 16 Documents clear
Analysis of Tax Liability Avoidance Based on Islamic Economics in West Java Afwa, Atiqah Ummu; Mubina, Diani Illahi; Puspita, Dita; Adisha, Najma; Chaerani, Sabila; Supriyadi, Tedi
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12439

Abstract

This study aims to examine tax avoidance from an Islamic economic perspective by focusing on the principles of justice, openness, and social responsibility. The method used in this study is qualitative with a literature study approach. The findings show that the practice of changing financial reports and exploiting loopholes in taxation are included in the prohibited categories, namely tadlis and gharar, according to Islam. Injustice in the tax system results in decreased public trust in the government and increases economic inequality. 
The Effect of Minimum Wages and Population Number on Unemployment in Jambi Province 2019-2023 Nurilmi, Besse; Hardi, Eja Armaz; Rafidah, Rafidah
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12321

Abstract

This study aims to analyze the effect of minimum wages and population on the unemployment rate in Jambi Province in the period 2019-2023. The method used is panel data regression with the Fixed Effect Model (FEM) approach. The results of the study indicate that partially, minimum wages and population do not have a significant effect on the unemployment rate in Jambi Province. However, simultaneously, both variables have a significant effect on the unemployment rate. This finding indicates that employment policies must not only consider increasing minimum wages, but also create more productive jobs and adjust labor market needs to population growth. Therefore, the government is expected to implement a more comprehensive policy to reduce the unemployment rate 
The Consumptive Behavior of Sharia Economics Students at UIN K.H. Abdurrahman Wahid Pekalongan Due to Online Shopping with the Principle of Islamic Consumption Quantity Rosyada, Nisrina; Nabilla, Agnia Azka; Ningrum, Diah Ayu Puspita; Amelia, Hestina
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12415

Abstract

This study examines the consumptive behavior of students in the Sharia Economics Study Program at UIN K.H. Abdurrahman Wahid Pekalongan and its relation to the quantity principle as a potential solution. Using a qualitative method, data were gathered through literature review and interviews with five students experienced in online shopping. Results show that four out of five respondents engaged in consumptive behavior and expressed regret. One respondent, who did not show consumptive habits, observed that those who did eventually regretted it. Through this regret, all five suggested mindful consumption, such as spending based on need and income, avoiding waste, and prioritizing saving. 
Optimization of the Role of BAZNAS KCP Sumenep in Zakat Management for Local Community Empowerment Buchari, Imam; Fuadah, Irma Wardatul; Sulalah, Sulalah; Munawwaroh, Aulia Datul
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12457

Abstract

This study analyzes the optimization of BAZNAS KCP Sumenep’s role in zakat management for local community empowerment. Using a qualitative research method, this study examines strategies for zakat collection, distribution, and utilization in addressing geographical challenges, low zakat literacy, and limited infrastructure. The findings indicate that digitalization innovation, increased transparency, and strengthened stakeholder collaboration are key to optimizing zakat management. These findings are expected to serve as a reference for more effective zakat policies in poverty alleviation. 
Analysis of the Application of the Islamic Economic System in KSP Tunas Artha Mandiri Syariah Malang City in Empowering Micro Small and Medium Enterprises (MSMEs) Agustini, Herlini; Saqina, Rizkanira; Anastasya, Kerin; Kholm, Masiyah
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12292

Abstract

This study aims to analyze the application of the Islamic economic system to MSMEs with a case study of KSP Tunas Artha Mandiri Syariah in Malang City. The research method used is a qualitative descriptive approach with data collection techniques through interviews, observations, and literature studies. The results of the study indicate that Islamic economic principles, such as mudharabah, musyarakah, and without usury elements, have been applied in the financing scheme at KSP Tunas Artha Mandiri Syariah. The implementation of this system provides benefits for MSME actors, especially in terms of access to financing and increasing business sustainability, although there are still obstacles such as a lack of understanding of the concept of Islamic economics and limited resources. In conclusion, the application of the Islamic economic system at KSP TAM Syariah has proven to be able to significantly encourage MSME empowerment through a fair, transparent, and sharia-based financing system, as well as being an alternative solution for business actors who want to avoid usury practices. 
Impact Of Accessibility And Payment Ease On Pindang Business Growth Through Islamic Microfinance In Muncar Jannah, Navada Lailyl; Hasanah, Miftahul; Syafi’i, Muhammad
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12387

Abstract

This study aims to evaluate the influence of accessibility and payment convenience in Islamic microfinance on the growth of pindang businesses in Muncar, Banyuwangi. Pindang businesses represent a vital sector within Muncar's fisheries industry but often face challenges due to limited capital. Islamic microfinance offers an alternative financing model aligned with Sharia principles and is expected to foster the growth of pindang businesses through improved accessibility and ease of payment. A quantitative approach was employed using an inferential associative method, with the research conducted among pindang entrepreneurs in Muncar, Banyuwangi. A total of 35 respondents participated in the study. Data were collected through questionnaires, and the analysis methods included validity tests, reliability tests, classical assumption testing, multiple linear regression analysis, partial tests (T-test), simultaneous tests (F-test), and the coefficient of determination (R²). The results indicate that accessibility and payment convenience have a positive and significant impact on the growth of pindang businesses through Islamic microfinance products. These two variables contribute 95.3% to the growth of pindang businesses, while the remaining 4.7% is influenced by other factors not examined in this study. Therefore, Islamic microfinance can serve as an effective new solution to support the development of pindang businesses in Muncar.
Strategies To Increase Micro, Small And Medium Business Income (MSMEs) Through A Digital Payment System (Case Study of UMKM Sukowono District Jember Regency) Romadani, Nadia Putri; Hasanah, Miftahul; Syafi’i, Muhammad
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12479

Abstract

This research aims to analyze the income enhancement strategies of Micro, Small, and Medium Enterprises (MSMEs) through the implementation of digital payment systems in Sukowono District, Jember Regency. In the digital era, the use of cashless payment methods such as QRIS, mobile banking, and e-wallets has become an important factor in increasing transaction efficiency and expanding market access for MSMEs. The research method used is a descriptive qualitative approach with interview techniques directed at MSME actors. The research findings indicate that although digitalization brings significant benefits such as ease of transactions and increased revenue, MSME actors still face various obstacles such as limited internet access, a mindset of the society that is still accustomed to cash transactions, and a lack of understanding of technology. Effective strategies to address these challenges include digitalization training, improving financial literacy, collaborating with financial institutions, and optimizing digital media for marketing.
Implementation of Qiyas in E-Commerce Transaction Law Azama, Irham Muhammad; Firdaus, Firdaus
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12295

Abstract

The e-commerce transaction system, as a novel phenomenon unknown in early Islam, necessitates the establishment of legal rulings relevant to Sharia principles, one of which is through the method of qiyas. This research aims to examine the relevance of qiyas as a method of istinbat (derivation of Islamic law) in the context of e-commerce transactions, particularly concerning its validity and application. The research employs a qualitative descriptive method with a literature review approach, focusing on classical and contemporary literature discussing the qiyas method and its implementation in e-commerce transaction law. The findings indicate that various forms of e-commerce transactions share legal commonalities (illat) with classical muamalah contracts, thus allowing for analogical deduction (qiyas). The implementation of qiyas in e-commerce transactions encompasses three aspects: 1) transactions in general, 2) the use of internet services, and 3) the payment process.
The Role of Islamic Economics in Promoting a Green and Sustainable Economy Ridha, Fahrul
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12396

Abstract

The purpose of this study is to comprehensively explain how Islamic economics can play a role in promoting a green economy and sustainable development. The focus will be on the basic principles of Islamic economics, best practices that have been implemented in various countries, and the challenges that must be overcome to integrate these two approaches harmoniously. This study uses a qualitative research method based on library research. The results of this study are that Islamic economics has a strategic role in promoting the realization of a green and sustainable economy through the principles of ethics, justice, and social responsibility that are in line with the goals of environmental conservation and community welfare. Instruments such as zakat, waqf, green sukuk, and profit-sharing financing can be optimized to finance environmentally friendly projects and empower communities inclusivel.
Analysis of The Role of Multi Jasa Sejahtera (MJS) Financing at KSPPS Bina Syari’ah Ummah East Java in Improving The Community Economy Afifah, Nur Fidiyatul; Umam, M. Shaiful; Fahim, Achmad
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 2 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i2.12313

Abstract

The aims of this research is to analyze the role of MJS financing in improving the community’s economy, identify the factors influencing the selection of MJS financing, and examining the solutions for handling non performing financing at KSPPS Bina Syari’ah Ummah East Java. Then research is a field study with a qualitative approach, in wich primary and secondary data collected through observation, interviews, and documentation, and are analyzed descriptively. The results of the study indicate that MJS financing has a positive role in improving the community’s economy, especially as business capital, chosen due to factors such as motivation, needs, promotion, convenience, service, and low profit sharing, while non-performing financing is resolved through online reminders, direct visits, restructuring, and collateral protection if necessary.

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