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Ahmad Tohir
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Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah
Published by Sekolah Tinggi Ekonomi dan Bisnis Syariah Indo Global Mandiri Palembang
ISSN : 2461002X     EISSN : 2775863X     DOI : https://doi.org/10.36908/esha
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Education Social Sciences Other
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Perbankan Syariah is a peer-reviewed open access online journal that provides a forum for various scientific studies on Islamic economics. Editors welcome articles and research reports that address current issues such as: Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Perbankan Syariah is a peer-reviewed open access online journal that provides a forum for various scientific studies on Islamic economics. Editors welcome articles and research reports that address current issues such as: 1. Islamic economics 2. Islamic business 3. Islamic entrepreneurship 4. History of Islamic economic thought 5. Islamic Finance 6. Islamic Human Resource Management.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 166 Documents
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THE IMPACT OF FINANCIAL RATIO INDICATORS ON PROFITABILITY IN SHARIA BANKS IN INDONESIA PERIOD 2019-2023 Mulyawisdawati, Richa Angkita; Khoiriyah, Lu'luatul; Inayati, Anindya Aryu; Imtihanah, Ani Nurul
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 11 No 1 (2025): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Ag
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i1.1572

Abstract

This study aims to analyze the impact of financial ratios on the profitability of Sharia banks in Indonesia during the period 2019–2023. The financial ratios used in this research include Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO), and Net Operating Margin (NOM). Profitability is measured by Return on Assets (ROA). The research method employed is a quantitative approach with panel data analysis using secondary data obtained from the annual financial reports of Sharia Commercial Banks published by the Financial Services Authority (OJK). The results of the partial research (t-test) indicate that the CAR, FDR and NOM variables have positive and significant effect on profitability (ROA). Meanwhile, the NPF and BOPO variables do not have a significant effect on ROA.
DINAMIKA AKAD IJARAH DENGAN PENETAPAN HARGA PANEN DI TANGGAMUS LAMPUNG: PERSPEKTIF HUKUM ISLAM Sofiana, Anis; Supriyadi, Cecep; Imana, Anis Ni'am
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 11 No 1 (2025): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Ag
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i1.1573

Abstract

Akad ijarah atau sewa menyewa merupakan bentuk transaksi dalam Islam yang memberikan hak pemanfaatan suatu manfaat dengan imbalan tertentu dalam jangka waktu yang disepakati. Penelitian ini dimaksudkan untuk mengkaji kesesuaian praktik sewa menyewa lahan khususnya ketika penetapan harga panen menjadi bagian dari kesepakatan dengan prinsip hukum Islam. Penelitian lapangan ini menggunakan pendekatan deskriptif kualitatif dan penelitian hukum empiris dengan data primer yang diperoleh melalui wawancara dengan informan dan data sekunder berupa dokumentasi serta literatur terkait. Hasil penelitian menunjukkan bahwa praktik sewa lahan dengan syarat penetapan harga merupakan salah satu bentuk multi akad yang dibolehkan sebab menuntut pada terpenuhinya akad utama. Pada praktiknya, pelaksanaan akad berlangsung sesuai kesepakatan di tahun pertama, namun pada tahun berikutnya pemilik lahan tidak mematuhi kesepakatan tentang penetapan harga pada akad kedua, sehingga kerugian dan ketidakadilan dialami oleh penyewa. Tidak terpenuhinya syarat pada akad kedua saat kesepakatan berlangsung menjadikan akad ijarah ini tidak sah sebab dalam multi akad, seluruh hak dan kewajiban yang ditimbulkan akad lain dinilai sebagai akibat hukum satu akad. Kelengkapan klausul akad tentang mitigasi resiko yang akan terjadi dianggap urgen agar dapat mengurangi potensi timbulnya konflik. Hal ini menegaskan pentingnya penguatan pemahaman hukum Islam dalam praktik ekonomi agar tercipta keadilan dan kemaslahatan bagi masyarakat luas.
KEY DETERMINANTS OF GREEN PERFORMANCE MANAGEMENT PRACTICES IN MULTINATIONAL COMPANY IN INDONESIA Ferinia, Rolyana
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 11 No 1 (2025): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Ag
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i1.1582

Abstract

This study analyzes the interconnections between essential elements of Green Human Resource Management (GHRM), including Green Employee Separation (GES), Green Performance Management (GPM), Green Employee Engagement (GEE), and Green rraining and Development (GTD), in multinational corporations in Indonesia. Data were gathered from 81 employees using a Likert-scale questionnaire and processed by Structural Equation Modeling–Partial Least Squares (SEM-PLS) for hypothesis testing, moderation analysis, and variance explanation. The results demonstrate that GEE and GTD have substantial beneficial impacts on GPM, however GES does not show a moderating effect. GPM is recognized as the primary factor influencing organizational green performance, with GEE, GTD, and GES together representing 69.3% of its variance. This research introduces an integrated paradigm that identifies employee engagement, training and development, and retention as essential drivers for enhancing organizational success in green performance management.
MUSLIMPRENEURSHIP IN INDONESIA'S DIGITAL ERA: OPPORTUNITIES, CHALLENGES, AND STRATEGIES FOR DEVELOPING ISLAMIC VALUE-BASED BUSINESSES Rizqon Halal Syah Aji; Havis Aravik; Ahmad Tohir
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol. 11 No. 2 (2026): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah -
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i2.1877

Abstract

The development of global digitalization has driven a major transformation in the Sharia-based entrepreneurship sector through the emergence of Muslimpreneurship as a modern business model that integrates digital technology with Islamic values. However, this development has also presented various problems such as low digital Sharia literacy, cybersecurity threats, weak Sharia compliance in digital transactions, and limited human resources competent in technology and Islamic economics. This study aims to analyze the opportunities, challenges, and strategies for developing Islamic values-based Muslimpreneurship in Indonesia's digital era. The study used a qualitative method with a library research approach. Data were obtained from books, scientific journals, proceedings, regulations, and various trusted publications relevant to Sharia economics, digital entrepreneurship, Sharia fintech, and the halal industry. Data analysis was conducted descriptively and qualitatively through the stages of data reduction, data presentation, and conclusion drawing. The results show that digitalization offers significant opportunities for Muslimpreneurs through the development of halal e-commerce, Sharia fintech, digital marketing, and global market expansion. However, challenges related to digital security, Sharia literacy, and human resource competency remain major obstacles. This research contributes to the development of digital Sharia economic studies by offering strategies to strengthen Muslimpreneurship based on the values of shidiq, amanah, tabligh, and fathonah to create ethical, competitive, and sustainable digital businesses.
EVALUASI KESEHATAN PENDANAAN PROGRAM PENSIUN MANFAAT PASTI MENGGUNAKAN METODE PROJECTED UNIT CREDIT: STUDI KASUS PT XYZ Elida Silaban; Ardian Kurniaman Harefa; Indryana Evia Sitanggang
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol. 11 No. 2 (2026): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah -
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i2.1661

Abstract

Penelitian ini membahas evaluasi kesehatan pendanaan Dana Pensiun Manfaat Pasti (PPMP) pada PT XYZ dengan menerapkan metode aktuaria Projected Unit Credit (PUC). Studi kasus dilakukan menggunakan pendekatan kuantitatif berdasarkan asumsi kepesertaan yang meliputi usia, masa kerja, gaji, tingkat diskonto, dan proyeksi kenaikan gaji. Hasil penelitian menunjukkan bahwa dana pensiun PT XYZ berada dalam kondisi solvent dan manfaat pensiun yang dihitung masih berada di bawah batas maksimum 80% dari gaji terakhir sebagaimana ditetapkan dalam regulasi Otoritas Jasa Keuangan (OJK). Meskipun demikian, diperlukan pendanaan berkelanjutan untuk memastikan pemenuhan kewajiban aktuaria secara penuh di masa mendatang. Dengan demikian, metode PUC terbukti relevan dalam menilai tingkat kesehatan pendanaan dana pensiun serta memberikan kontribusi strategis bagi pengelola dalam menjaga keberlanjutan program dan kepatuhan terhadap regulasi OJK.
ADAPTIVE STRATEGIES OF DAWEA BATIK (BONDOWOSO) IN RESPONSE TO DECLINING INSTITUTIONAL DEMAND AND ITS IMPLICATIONS FOR CONSUMER PURCHASING DECISIONS: A SINGLE-CASE STUDY Ita Marianingsih; M. Ilham Zainullah; Novita Purnamasari
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol. 11 No. 2 (2026): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah -
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i2.1690

Abstract

This study examines how Dawea Batik MSME adapts to declining institutional demand particularly demand related to organizational/uniform procurement and how these adaptive actions relate to consumers’ purchasing decisions. Using a qualitative single-case study design, primary data were collected through in-depth interviews with key actors (owner/manager, workers, and consumers) and supported by observation and relevant documents. Data were analyzed thematically through coding, with validity strengthened via source triangulation and member checking. The findings indicate three main adaptive strategies: (1) product innovation and diversification (2) enhancement of digital marketing channels (e.g., Instagram, TikTok, WhatsApp), and (3) strengthening cultural tourism education through live batik workshop programs. These strategies are associated with consumer decision-making across stages of problem recognition, information search, evaluation, purchase, and post-purchase behavior (Kotler, 2009), mainly by increasing consumer engagement, perceived value, and trust. As a single-case study, the findings offer analytic insights for similar creative-industry MSMEs while acknowledging limited statistical generalization.
THE IMPACT OF ENVIRONMENTAL, SOCIAL, AND GOVERNANCE (ESG) PRACTICES ON SUSTAINABILITY RISK OF BANKING COMPANIES LISTED ON THE IDX (2021–2024) Reny Aziatul Pebriani; Vhika Meirisari; Yunita Maharani
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol. 11 No. 2 (2026): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah -
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i2.1769

Abstract

This study aims to analyze the relationship between Environmental, Social, and Governance (ESG) practices and sustainability risks in banking companies listed on the Indonesia Stock Exchange during the period 2021–2024. The study used a quantitative approach with panel-shaped secondary data obtained from the annual reports and sustainability reports of 18 banks, resulting in 72 observations. ESG practices are measured using a composite ESG index, while sustainability risk is constructed as a standardized deviation from environmental, social, and governance risk exposures, so that negative values reflect a relatively lower level of risk than the sample average. Data analysis was carried out using simple linear regression as an initial approach to identify patterns of statistical relationships between variables. The results showed that the ESG index was negatively and statistically significant with sustainability risk (? = –2.979; p < 0.05), with a determination coefficient value (R²) of 0.375. These findings indicate that stronger ESG practices tend to correlate with lower levels of sustainability risk, although they are not intended to draw strong causal conclusions. In the perspective of sharia economics, these empirical results are interpreted reflectively through the framework of maq??id al-shar??ah, in particular the principles of safeguarding benefits and sustainability, without claiming direct empirical testing of these normative values.
A COMPARATIVE ANALYSIS OF SHARIA-BASED DIRECT SELLING PRACTICES IN MULTI-LEVEL MARKETING: EVIDENCE FROM K-LINK AND HNI BRANCHES IN MATARAM Muhammad Haeri Iqbal; Haris Cahyadi; Zainuddin Mansyur; Baiq Ratna Mulihmmah
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol. 11 No. 2 (2026): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah -
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i2.1770

Abstract

This study analyzes the implementation and comparative practices of Sharia-Based Direct Selling (PLBS) at PT K-Link and PT HNI Mataram Branch, in response to public concerns regarding the compliance of multi-level marketing (MLM) practices with sharia principles, particularly regarding clarity of contracts, bonus mechanisms, transparency, and the avoidance of gharar, maysir, and riba elements. This study uses a qualitative approach with a comparative case study design. Data collection was conducted through in-depth interviews, participant observation, and documentation studies involving branch managers and business partners. Data analysis was carried out through stages of reduction, presentation, and verification with reference to the dimensions of sharia compliance, contract mechanisms, and sharia business ethics. The results show that both companies have formally adopted the main principles of PLBS, including the use of wak?lah bil ujrah contracts, a real sales-based bonus system, halal-certified products, and supervision by the Sharia Supervisory Board. However, there are differences in the depth of implementation, with PT HNI emphasizing sharia guidance and education, while PT K-Link prioritizes system standardization and compensation control. This study confirms that PLBS implementation remains procedural and heavily dependent on internal company interpretations, necessitating clearer theoretical benchmarks and ongoing external evaluation. This research contributes to the development of Sharia-based MLM studies through a more critical, comparative perspective.
THE EFFECTS OF WORK STRESS AND LEARNING ENVIRONMENT ON WORKFORCE ABSORPTION: THE MEDIATING ROLE OF INSTRUCTOR MOTIVATION IN PUBLIC VOCATIONAL TRAINING INSTITUTIONS Sion Junita Sembiring; R. Dwi Sunu Kanto; Zainul Kisman
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol. 11 No. 2 (2026): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah -
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i2.1771

Abstract

Penyerapan tenaga kerja merupakan indikator kunci efektivitas lembaga pelatihan kejuruan dalam mendukung hasil pasar tenaga kerja. Namun, faktor-faktor organisasi yang memengaruhi instruktur seperti stres kerja dan lingkungan belajar seringkali diabaikan dalam kebijakan pengembangan tenaga kerja. Studi ini bertujuan untuk meneliti pengaruh stres kerja dan lingkungan belajar terhadap penyerapan tenaga kerja, dengan motivasi instruktur sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei yang melibatkan instruktur di sebuah lembaga pelatihan kejuruan negeri di Indonesia. Data dianalisis menggunakan Partial Least Squares–Structural Equation Modeling (PLS-SEM) untuk meneliti hubungan langsung dan tidak langsung antar variabel. Hasil penelitian menunjukkan bahwa stres kerja memiliki pengaruh negatif terhadap motivasi instruktur, sedangkan lingkungan belajar memiliki pengaruh positif terhadap motivasi. Motivasi instruktur secara signifikan memengaruhi penyerapan tenaga kerja dan memediasi hubungan antara faktor-faktor organisasi dan hasil tenaga kerja. Hasil ini menunjukkan bahwa peningkatan penyerapan tenaga kerja tidak hanya membutuhkan pengembangan kurikulum dan infrastruktur, tetapi juga kebijakan organisasi yang mendukung kesejahteraan dan motivasi instruktur. Studi ini berkontribusi pada literatur tentang pendidikan kejuruan dan pengembangan sumber daya manusia dengan menyoroti motivasi instruktur sebagai mekanisme penting yang menghubungkan kondisi organisasi dengan hasil pasar tenaga kerja. Temuan ini menawarkan wawasan praktis bagi para pembuat kebijakan dan pemimpin lembaga dalam merancang intervensi berbasis motivasi untuk meningkatkan penyerapan tenaga kerja.
THE INFLUENCE OF HALAL AWARENESS, RELIGIOSITY, AND SOCIAL MEDIA ON MUSLIM CONSUMERS' PURCHASE AND BOYCOTT DECISIONS Retno Hernawati
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol. 11 No. 2 (2026): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah -
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i2.1777

Abstract

This study investigates the influence of halal awareness and social media exposure on ethical consumption and boycott behavior among Muslim Generation Z in Kupang City, with religiosity serving as a moderating variable. Employing a quantitative research design, data were collected from 196 respondents using structured questionnaires and analyzed through multiple regression and Moderated Regression Analysis (MRA) with SPSS 27. The findings indicate that halal awareness and social media significantly and positively affect both ethical consumption and boycott behavior. Moreover, religiosity strengthens the relationships between halal awareness and consumption behavior as well as between social media exposure and consumption behavior. This suggests that individuals with higher levels of religiosity are more consistent in aligning their purchasing decisions with Islamic principles and moral considerations. The study theoretically contributes to the literature on Islamic consumer behavior by integrating religiosity as a moderating construct in explaining ethical consumption and boycott decisions among Generation Z Muslims. Practically, the findings provide insights for marketers, policymakers, and halal authorities in designing digital-based strategies to promote responsible and Sharia-compliant consumption.

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