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Hilyah Ashoumi
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Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam
Published by Universitas KH. A. Wahab Hasbullah
ISSN : -     EISSN : 26557568     DOI : -
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Istismar merupakan Jurnal Ekonomi dan Bisnis Islam yang menerima naskah asli di bidang Ekonomi Islam, termasuk laporan penelitian, penerapan teori, studi kritis, dan tinjauan literatur. Penyebaran Ekonomi Islam meliputi : Keuangan Syariah dan Pasar Modal, Perbankan Syariah, Manajemen Bisnis Islam, Kewirausahaan, dan Pariwisata, Akuntansi Syariah, Manajemen Risiko Syariah dan Asuransi Syariah. Jurnal ini telah terdaftar E-ISSN: 2655-7568 dan P-ISSN: 2655-7568, terbit dua kali terbitan dalam satu tahun yaitu pada bulan Juni dan Desember.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 96 Documents
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STARLING PENJUAL KOPI PASURUAN GO SYARIAH: POTRET TENTANG QRIS BSI MENEMBUS EKOSISTEM JALANAN Saiful Anam, Muhammad; Haryanti, Peni
ISTISMAR Vol. 8 No. 02 (2025): Desember
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/istismar.v8i02.6567

Abstract

This study discusses the phenomenon of Starling, or mobile coffee vendors in Pasuruan, who have begun to utilise BSI Go Syariah QRIS as a medium for daily transactions. This phenomenon not only demonstrates a change in the economic behaviour of street micro-businesses, but also illustrates the effectiveness of BSI's marketing in penetrating the informal economic segment. This study aims to explore how the use of BSI QRIS by Starling vendors can support ease of transaction, enhance customer experience, and strengthen BSI's position as a provider of sharia financial services that is adaptive to grassroots market needs. The research method uses a descriptive qualitative approach through field observations and in-depth interviews with Starling vendors and customers in the Pasuruan area. The results show that BSI's QRIS facilitates cashless transactions, reduces the risks associated with cash, and helps merchants record their daily income more regularly. From a marketing perspective, the adoption of BSI's QRIS in the street ecosystem is evidence of the success of BSI's market penetration strategy, particularly because customers feel more comfortable conducting sharia-compliant transactions. However, challenges remain in the form of digital literacy and internet connectivity issues. Overall, BSI's QRIS has proven effective in expanding BSI's marketing reach and strengthening its presence in the street economy.
ZAKAT PRODUKTIF SEBAGAI MEKANISME DISTRIBUSI PENDAPATAN: ANALISIS TRANSFORMASI MUSTAHIK DAN KEBERLANJUTAN EKONOMI DALAM PERSPEKTIF EKONOMI MAKRO ISLAM Dia Nur Avita Sari; Aulia Devi Rahmawati; Siti Musfiqoh
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/52ax1j52

Abstract

This study aims to analyze the role of productive zakat as an income distribution mechanism from the perspective of Islamic macroeconomics. The research employs a descriptive-analytical qualitative method using secondary data obtained from reports published by the National Zakat Agency (BAZNAS). The findings indicate that productive zakat functions as a distribution system through the collection, distribution, and empowerment of mustahik (zakat beneficiaries). the program increases income, supports business development, and promotes economic self-reliance. The sustainability of benefits experienced by mustahik demonstrates that productive zakat contributes to a more equitable distribution of income. therefore, produtive zakat serves as an instrument for achieving economic equity within the framework of islamic economics. Keywords : Productive Zakat, Income Distribution, Economic Suistanability
PENGARUH PEMASARAN BERBASIS SYARIAH TERHADAP AFFILIATE DI MEDIA SOSIAL APLIKASI TIK TOK Haway Mudaramsah
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/t3598d48

Abstract

  Abstract: This research aims to determine and analyze the influence of Sharia-based marketing on affiliates in the Tik Tok social media application among students at the UNWAHA Jombang Islamic Faculty. The research method used is quantitative. Data collection was carried out by distributing questionnaires in the form of closed questions in the form of a Likert's Scale to 93 respondents. Data were analyzed using the Statistical Package for the Social Sciences (SPSS) version 25. Consisting of validity tests, reliability tests and simple linear regression analysis. Based on the data results, it can be concluded that there is a significant positive influence of sharia-based marketing on affiliates on the Tik Tok social media application. These results can be proven by a simple linear regression test on the t test table with a value of 4.974 > t table test of 2.279 with a significant value of 0.000 < 0.05. So there is a positive influence of Sharia-Based Marketing on Affiliates on the Tik Tok Application Social Media (Ha) which is accepted, and there is no positive influence of Sharia-Based Marketing on Affiliates on the Tik Tok Application Social Media (Ho) rejected, or in other words Ho is rejected and Ha is accepted.
KERANGKA ETIS BISNIS ISLAM SEBAGAI SOLUSI KRISIS MORAL EKONOMI MODERN Aiman Cholil Toatubun; Khairun Nisa&#039;; Hanifah Hanifah; Maimunah Toatubun
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/a9bcw517

Abstract

The Development of technology and Globalization triggers a moral crisis, such as corruption, data manipulation, and socio-economic inequality, due to modern economic practices that prioritize profit over human values. This research aims to identify these issues and explore the islamic Business Ethics Framework as an alternative solution. Using a qualitative literature-based approach, data were descriptively analyzed through reduction, display, and conclusion drawing. The findings indicate that implementing honesty, trustworthiness, justice, and transparancy can overcome current moral degradation. This framework strengthens public trust and fosters a humane business system oriented toward collective welfare. The study recommends implementation of corporate social responsibility based on the islamic economy.    
FINTECH SYARIAH DAN PERLINDUNGAN KONSUMEN MUSLIM: MENATA ULANG KERANGKA HUKUM BISNIS DI TENGAH DISRUPSI GLOBAL DI KABUPATEN PINRANG Reni Anggreni; Nur Afiat Agus; Zainal Said; Hannani Hannani
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/rqcb0k92

Abstract

The development of Islamic financial technology (fintech) has accelerated the transformation of financial services by providing faster, more accessible, and inclusive financial solutions for Muslim communities. However, this advancement has also generated challenges related to consumer protection, personal data security, information transparency, and regulatory effectiveness amid digital disruption. This study aims to analyze the practices of Islamic fintech utilization, the protection of Muslim consumers, the effectiveness of the existing business legal framework, and to formulate a reconstructed legal framework for Islamic fintech in Pinrang Regency. This research employed a qualitative approach using field research methods through in-depth interviews, observations, and documentation. The informants consisted of Islamic fintech users, micro and small business owners, academics, religious leaders, and Islamic finance practitioners. The findings reveal that Islamic fintech is widely accepted due to its accessibility and efficiency in financial services. Nevertheless, consumer protection remains challenged by low Islamic financial literacy, limited understanding of sharia contracts, concerns regarding personal data security, and inadequate awareness of dispute resolution mechanisms. The study also identifies a regulatory gap caused by the rapid pace of technological innovation compared to legal and regulatory developments. Therefore, this research proposes a reconstructed Islamic fintech business law framework based on adaptive regulation, literacy enhancement, digital data protection, and the integration of maqashid al-shariah principles as the foundation of Muslim consumer protection. This framework is expected to strengthen consumer protection while supporting the sustainable development of Islamic fintech. Keywords : Islamic fintech; Consumer protection; Business law; Maqashid alshariah; Digital disruption.
PERAN PREFERENSI TERHADAP PEMBELIAN KOSMETIK HALAL PADA PLATFORM SHOPEE DI KALANGAN MUSLIM KABUPATEN BONE Windi Widyastuti; Ida Farida; Fitriani Fitriani
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/crh5jn92

Abstract

Abstract : This study aims to determine the influence of product quality, dizcounts, price, and halal labeling on purchasing decisions for halal cosmetics on the shopee platform among Muslims in Bone Regency. This study used a quantitative approach with a survey method of 100 respondents selected using a simple random sampling technique. Data were analyzed using multiple linear regression with the help of SPSS V.26. The results showed that price and halal labeling significantly influenced purchasing decisions, while product quality and discounts did not. Simultaneously, product quality, discounts, price, and halal labeling significantly influenced purchasing decisions for halal cosmetics on the shopee platform. The coefficient of determination (R2) of 0,752 indicates that 75.25 of the variation in purchasing decisions can be explained by these four variables. 
ORKESTRASI AL-QUR’AN DALAM MEMULIAKAN ORANG MISKIN DAN MEMUSUHI MENTAL MISKIN: STUDI TEMATIK A. Muh. Nur Syahid Mappaladeng; Achmad Abubakar; Sohrah Sohrah
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/a846q057

Abstract

Contradictions often arise in Islamic discourse regarding poverty : (1) the honoring of the poor; and (2) an anti-poverty mindset that emphasizes work ethic and self-reliance. This study aims to explore wether the Qur'an teaches both concepts simultaneously and how they harmonize. The research employs the thematic exegesis method (al-tafsir al mawdui). Verses concerning poverty, the rights of the poor, and work ethic were collected and analyzed with reference to prominent exegetical works such as Tafsir al-Tabari, Ibn Kathir, al-Qurtubi, al Maraghi, al-Misbah, and Taysir al-Karim al- rahman, The findings indicate that the Qur'an does not set these two messages in opposition; rather, it integrates them within a framework of balance (tawazun). Honoring the poor is mandated as a matter of structural social justice, while work ethic and the aversion to becominga burden on others are taught as aspects of personal dignity. This harmony resembles an orchestra that blends collective responsibility with individual responsibility. poverty alleviation in Islam must be holistic.  Keywords : poverty; poverty mentality; thematic interpretation, orchestration, work ethic
STRATEGI RESILIENSI PEDAGANG MUSLIM DALAM MENGHADAPI PRAKTIK RIBA: ANALISIS BERBASIS MAQASHID SYARIAH Budiarti Lestari; Inas Septa Hidayati; Agus Waluyo; Rina Rosia
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/3d9r9563

Abstract

Usury  practices in trading activities pose a systemic threat to the moral and financiaal aspects of Muslim traders. This study aims to formulate a resilience strategy model for Muslim traders facing usurious ecosystems based on Imam AsSyatibi's Maqashid Shariah perspective. The research method used is qualitative descriptive with a literature study approach (library research). The results indicate that usurious capital infiltration destroys macro- welfare pillars in the aspects of hifz ad-din, hifz al-mal, and hifz an nafs, which triggers tatfif (weight fraud). As a solution, two dimensions of resilience are formulated : the micro level through the Kulli-Juz'i Theory (barakah-oriented reframing and zuhud bisnis) and the macro level the Al Wujud bil Kul li-Hifzhil-Kulli Theory (social caapital optimization and arisan modal). In conclusion, this dual resilience model successfully breaks structural dependency on moneylenders and maintains the spiritual independence of traders. Kata kunci: Maqashid Shariah, usury, Trader Resilience, As-Syatibi.  
PENGARUH PENJUALAN DAN PERPUTARAN TOTAL AKTIVA TERHADAP LABA BERSIH PADA PERUSAHAAN SEKTOR MANUFAKTUR DI JAKARTA ISLAMIC INDEX TAHUN 2020-2024 Muslimah Muslimah; Agustina Mutia; Faturahman Faturahman
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/yyybsa56

Abstract

This study aims to analyze the effect of sales and total asset turn over on net profit in manufacturing companiest listed in the Jakarta Islamic Index (JII) during 2020–2024. The research employed a quantitative associative approach. Secondary data were collected from annual financial statements obtained from the Indonesia Stock Exchange and company websites. The sample consisted of 11 manufacturing companies selected through purposive sampling. resulting in 55 observations. data were analyzed using panel data regression with Eviews 12 software. The results indicate yhat sales have a positive and significant effect on net profit with a t-statistic of 3,992145 and a significance value 0,0032.  Total asset turnover also has a positive and significant effect on net profit with a t-statistic of 4,191791 and a significance value of 0,0023.  Simultaneously, sales and total asset turnover significantly affect net profit with an F-statistic of 7,398471 and a probability value of 0,002561. These findings imply that increasing sales and improving asset utilization efficiency contribute significantly to enhancing net profit. Keywords: Sales, total asset turnover, net profit, jakarta islamic index
KEDUDUKAN FATWA DSN MUI SEBAGAI SUMBER HUKUM DALAM SISTEM PERATURAN PERUNDANGAN UNDANGAN NASIONAL Bunyamin Yafid; Nikmatullah Nur; Mardiah Aminah; Veriansya Veriansya
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/78e76g61

Abstract

The development of Islamic financial technology (fintech) has accelerated the transformation of financial services by providing faster, more accessible, and inclusive financial solutions for Muslim communities. However, this advancement has also generated challenges related to consumer protection, personal data security, information transparency, and regulatory effectiveness amid digital disruption. This study aims to analyze the practices of Islamic fintech utilization, the protection of Muslim consumers, the effectiveness of the existing business legal framework, and to formulate a reconstructed legal framework for Islamic fintech in Pinrang Regency. This research employed a qualitative approach using field research methods through in-depth interviews, observations, and documentation. The informants consisted of Islamic fintech users, micro and small business owners, academics, religious leaders, and Islamic finance practitioners. The findings reveal that Islamic fintech is widely accepted due to its accessibility and efficiency in financial services. Nevertheless, consumer protection remains challenged by low Islamic financial literacy, limited understanding of sharia contracts, concerns regarding personal data security, and inadequate awareness of dispute resolution mechanisms. The study also identifies a regulatory gap caused by the rapid pace of technological innovation compared to legal and regulatory developments. Therefore, this research proposes a reconstructed Islamic fintech business law framework based on adaptive regulation, literacy enhancement, digital data protection, and the integration of maqashid al-shariah principles as the foundation of Muslim consumer protection. This framework is expected to strengthen consumer protection while supporting the sustainable development of Islamic fintech Keywords : Islamic fintech; Consumer protection; Business law; Maqashid alshariah; Digtal disruption.

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