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Journal Islamic Economics Ad Diwan
Published by Institut Ummul Quro Al-Islami Bogor
ISSN : 28097130     EISSN : 28094840     DOI : https://doi.org/10.51192/ad.v1i2.310
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Journal Islamic Economics Ad Diwan; Institut Ummul Quro Al-ISlami Bogor adalah jurnal penelitian dalam disiplin ilmu ekonomi islam dan masalah ekonomi syariah yang diharapkan dapat memberikan kontribusi baru atau state-of-the-art untuk pengembangan akademik atau aplikasi dunia nyata atau keduanya. Jurnal ini mencakup artikel penelitian asli, antara lain: Ekonomi Islam, Kewirausahaan Syariah, Manajemen dan Perbankan Syariah, Etika Bisnis Syariah, Manajemen Investasi Syariah, Manajemen Risiko Bank Syariah, Manajemen Dana Bank Syariah, Akuntansi Syariah, Anggaran Bank Syariah, Manajemen Zakat, Modal Syariah Pasar. Jurnal Ad Diwan ini diterbitkan oleh Program Studi Ekonomi Syariah, Fakultas Ekonomi Syariah, Institut Ummul Quro Al-Islami Bogor. Jurnal ini terbit dua kali dalam setahun yaitu Bulan September dan Maret.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 20 Documents
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Search results for , issue "Vol 4 No 2 (2025): AD DIWAN" : 20 Documents clear
Leisure Class Dalam Pola Konsumsi Mahasiswa UIN Alauddin Makassar: Leisure Class in the Consumption Patterns of UIN Alauddin Makassar Students Mala, Nur; Sirojuddin; Muslihati
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1195

Abstract

This study examines the leisure class phenomenon in the consumption patterns of UIN Alauddin Makassar students, focusing on the tendency of excessive consumption that prioritizes desires over needs. This phenomenon shows the existence of consumptive behavior that is inseparable from the influence of the social environment, lifestyle, and increasingly rapid technological developments. The purpose of this study is to analyze in more depth how the leisure class is formed and influences students' consumption patterns in their daily lives. The research method used is a qualitative approach with a phenomenological research type. The results of the study indicate that (1) the excessive consumption pattern in the leisure class is supported by factors of social class, lifestyle, personality and self-concept, as well as the difference between desires and needs; (2) factors that influence the formation of the leisure class include parental income, taste in technology, and product quality; (3) the impacts of the leisure class consumption pattern include wasteful behavior and the emergence of social jealousy among students; (4) when viewed from the concept of consumption according to Imam Al-Ghazali, the student consumption pattern is classified as excessive and exceeds the limits of needs. Therefore, this study recommends that students be wiser in regulating consumption patterns by prioritizing needs over desires alone in order to avoid the negative impacts that arise.
STRATEGI PEMASARAN FASHION HIJAB DI ERA GEN Z DALAM PERSEPEKTIF EKONOMI SYARIAH PADA TOKO VEE STORE : HIJAB FASHION MARKETING STRATEGY IN THE GEN Andini, Mira; Abizar; Ulil Albab; Mawardi
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1221

Abstract

Media sosial adalah komponen utama yang mempengaruhi tren fashion hijab di kalangan generasi Z. Tujuan penelitian ini menganalisis dampak perkembangan media sosial terhadap pemasaran fashion hijab kepada generasi Z dan mengintegrasikan nilai-nilai Islam dalam strategi pemasaran. Penelitian ini menggunakan metode kualitatif deskriptif untuk memahami bagaimana pemasaran fashion hijab di era GenerasiZ. Pengumpulan data dilakukan melalui wawancara semi-terstruktur,di mana peneliti dapat menggali lebih jauh pandangan dan pengalaman subjek terkait dengan topik yang dibahas. Pemilik toko hijab menekankan bahwa nilai-nilai Islam seperti kejujuran,dan kesederhanaan menjadi landasan bisnis mereka. persaingan dalam industri fashion hijab sangat ketat. tantangan utama adalah bagaimana bersaing dengan brand hijab lain yang menawarkan produk serupa dengan harga lebih murah.e-commerce dan teknologi digital membuka peluang besar bagi bisnis mereka. Pemasaran fashion hijab di era Gen Z mengalami perkembangan yang pesat seiring dengan meningkatnya minat masyarakat terhadap gaya hidup Islami yang modern. Dalam perspektif Islam,fashion hijab bukan hanya sekedar trend mode, tetapi juga manifestasi dari identitas religius yang mencerminkan kepatuhan terhadap syariat.
STRATEGI PEMASARAN PEDAGANG DI PASAR UMBUL KLUWIH DALAM PERSPEKTIF EKONOMI ISLAM: MARKETING STRATEGY OF TRADERS IN UMBUL KLUWIH MARKET FROM THE PERSPECTIVE OF ISLAMIC ECONOMICS Savitri, Eka; Ulil Albab; Heri Sutopo; Mawardi
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1222

Abstract

This study aims to analyze online and offline sales marketing strategies applied in traditional markets, as well as evaluate the effectiveness of online marketing strategies in improving competitiveness amid the development of digital technology. Using a qualitative approach, this study was conducted in Pasar Umbul Kluwih, Pesawaran Regency, through the method of case studies, surveys, in-depth interviews, and Focus Group Discussions (FGD). The data collected is analyzed in a descriptive, comparative and qualitative way to provide a comprehensive overview of the marketing practices carried out by merchants. In addition, this study also examines the application of Islamic economic principles in marketing strategies, such as justice, honesty, and social welfare. The results showed that the combination of online and offline marketing strategies can increase the interaction between merchants and consumers, as well as make a positive contribution to sales. This study is expected to provide practical recommendations for traditional market traders in optimizing their marketing strategies, while maintaining values that are in accordance with Islamic economic principles
EKONOMI ISLAM SEBAGAI SOLUSI ARUS BARU EKONOMI INDONESIA (studi analisis atas pemikiran kyai makruf Amin): EKONOMI ISLAM SEBAGAI SOLUSI ARUS BARU EKONOMI INDONESIA (studi analisis atas pemikiran kyai makruf Amin) Edy Tristiyanto
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1230

Abstract

The Islamic economic system is an independent economic system, therefore Islam encourages life as a whole and helps a person's life as an inseparable part of the life of society, whose individuals need each other and complement each other in the scheme of social order, because humans are both individual and collective entities. In accordance with its nature, Islamic economics is a system that can realize economic justice for all people. This study aims to understand and analyze: (1) Kyai Makruf Amin's thoughts on the Indonesian Economy (2) Kyai Makruf Amin's thoughts on Islamic economics in Indonesia (3) Kyai Makruf Amin's steps on his concepts and ideas about Islamic Law as a Solution for the new movement of the Indonesian economy. Therefore, the process of collecting research data is carried out by reading books, accredited scientific journals, literature, notes, and reports and other relevant sources related to the problem being studied. The data obtained are then recorded, studied, reviewed and analyzed. Data analysis is carried out by content analysis. The findings of the research show that: Kyai Ma'ruf Amin named his idea the New Current of Indonesian Economy. A conceptual idea that has also been equipped with program recommendations, so that it can be lightly labeled with the term Ma'rufnomics. Aiming to overcome inequality in order to realize a just people's economy, he is actually revitalizing the people's economy, so it is necessary to always emphasize his support in building a fair, equitable, and independent national economic system in overcoming economic disparities. According to Kyai Makruf, the four concepts regarding the new current of economy must be able to practice the 5th principle of Pancasila, namely social justice for all Indonesian people.
PENGARUH CAR DAN NPF GROSS TERHADAP ROA PADA BANK MEGA SYARIAH PERIODE 2015-2023: INCREASING CUSTOMER SATISFACTION IN THE ISLAMIC BOARDING SCHOOL BUSINESS FIELD THROUGH SERVICE QUALITY AND PRICES Pratama, M Rizqi; Noorikha Pandayahesti Saputeri; Eki Tiyas Nurulia
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1234

Abstract

This sturdy aims to analyzer ther erfferct of Capital Aderquracy Ratio and Non Perrforming Financer gross on Rerturrn On Assert at Bank Merga Syariah for ther perriod 2015-2023. Ther banking indurstry in Indonersia is growing overr timer, with increrasing purblic awarernerss of ther importancer of financial transactions with sharia principlers. Bank Merga Syariah is oner of ther banks that continurers to erxperrierncer growth. To asserss ther financial perrformancer of a bank, rerserarcherrs urser serverral indicators that can ber urserd as merdia to condurct rerserarch, inclurding bank financial rerports. This sturdy ursers a derscriptiver qurantitativer rerserarch merthod, namerly ther analysis of nurmerrical or nurmerric data by analyzing sercondary data obtainerd from ther annural financial rerports purblisherd by Bank Merga Syariah. with derscriptiver statistical terst data analysis terchniqurers, normality tersts, murlticollinerarity tersts, herterroscerdasticity tersts, aurtocorrerlation tersts, murltipler rergrerssion tersts, derterrmination tersts, simurltanerours tersts and partial tersts.  Baserd on ther terst that has berern condurcterd, ther rerserarch rersurlts obtainerd, ther Capital Aderquracy Ratio variabler has a partial positiver erfferct on Rerturrn On Assert, ther Non Perrforming Financer Gross variabler has no erfferct on Rerturrn On Assert and ther Capital Aderquracy Ratio and Non Perrforming Financer Gross variablers haver a simurltanerours erfferct on Rerturrn On Assert and with ther rersurlts of ther derterrmination coerfficiernt terst showing 77.9% it can ber conclurderd that ther derperndernt variabler can ber erxplainerd togertherr by two inderperndernt variablers whiler ther otherr 22.1% is erxplainerd by otherr financial ratios ourtsider of this rerserarch moderl.
IMPLEMENTASI PEMBIAYAAN BTPN SYARIAH TERHADAP PERKEMBANGAN UMKM DI KRUI LAMPUNG: IMPLEMENTATION OF BTPN SYARIAH FINANCING ON THE DEVELOPMENT OF UMKM IN KRUI LAMPUNG Henda Alpajar; Warsiyah; Noorikha Pandayahesti Saputeri; Eki Tiyas Nurulia
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1261

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in the Indonesian economy, especially in the Krui Lampung area. However, MSMEs often face capital constraints that hinder their development. BTPN Syariah is present as one of the Islamic financial institutions that focuses on financing the micro segment. This study aims to analyze the implementation of BTPN Syariah financing, measure its impact on the development of MSMEs, and identify obstacles and solutions in the implementation of financing in Krui Lampung. This study uses a descriptive qualitative method with data collection techniques through in-depth interviews, observations, and documentation. Research informant 3 officials of BTPN Syariah Krui. The data was analyzed using data reduction techniques, data presentation, and conclusion drawn. The results of the study show that the implementation of BTPN Syariah financing in Krui Lampung uses murabahah and wakalah contracts with a group system. This financing program has contributed positively to the development of MSMEs, marked by an increase in average business capital of 45%, turnover growth of 35%, and business expansion in 60% of financing customers. The main obstacles faced include limited service coverage, low understanding of sharia products, and the risk of default due to fluctuations in MSME income. The study concluded that BTPN Syariah financing plays an effective role in supporting the development of MSMEs in Krui Lampung, although there are still several challenges in its implementation. It is necessary to increase Islamic financial literacy, expand the range of services, and strengthen business assistance to optimize the impact of financing on the progress of MSMEs in the region
PENGARUH RETORIKA SALES MARKETING INVESTASI EMAS BANK SYARIAH TERHADAP MINAT BERINVESTASI MAHASISWA UNIVERSITAS MUHAMMADIYAH LAMPUNG: THE INFLUENCE OF SALES MARKETING RHETORIC OF SYARIAH BANK GOLD INVESTMENT ON THE INVESTMENT INTEREST OF STUDENTS OF MUHAMMADIYAH UNIVERSITY OF LAMPUNG Eva Intan Komalasari, Murni Lestari; Noorikha Pandayahesti Saputeri; Warsiyah; Eki Tiyas Nurulia
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1285

Abstract

Gold investment is one of the popular investments and is widely offered today, because the value of gold is stable and zero inflation, and the price of gold tends to increase. Islamic banks are one of the providers of gold investment programs with an installment system using the murabahah contract (buy and sell), but there are still many people including Generation Z who do not believe that gold investment in Islamic banks does not contain usury elements, so sales marketing who work in the sales sector must have good rhetoric so that the information can be conveyed and can be trusted. The purpose of this study is to determine how the rhetoric of sales marketing of Islamic bank gold investment affects the investment interest of students at the University of Muhammadiyah Lampung. The approach in this study is quantitative descriptive and verification, data is obtained through the distribution of questionnaires targeted at students at the University of Muhammadiyah Lampung who have received information about gold investment in Islamic banks, and to process the data the tool used is SPSS version. The results of this study indicate that there is an influence of 64.5% of the rhetoric variable (X) on the interest variable (Y), as well as the results of the t-test also state that the rhetoric variable has a simultaneous (significant) influence on the interest variable, and it can be concluded that Ha is accepted and H0 is rejected or there is an influence of the rhetoric variable (X) on the interest variable (Y), meaning that the rhetoric of sales marketing of Islamic bank gold investment is one of the things that influence the investment interest of students at the University of Muhammadiyah Lampung.
IMPLEMENTASI PEMASARAN SYARIAH PADA HOTEL SYARIAH PERSFEKTIF ETIKA BISNIS ISLAM Apriani, Triana; Ningsih, Surya; Solihin, Asep; Saefuddin, Aep; Rahayu, Wati
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1286

Abstract

Sharia Hotel Marketing is a strategic business that directs the process of creating, offering, and changing value from an initiator to its stakeholders, which in the whole process is in accordance with the contracts and principles of muamalah and its perspective in Islamic business ethics. This article is a type of descriptive qualitative study of case studies that aims to describe the implementation of sharia hotel marketing, while the data used in this study are secondary data, secondary data is data obtained not directly from the source, including from literacy sources, and data from processed primary data collection. The results of this study are that not all sharia hotels market lodging service products and along with other facilities attached to sharia hotels, truly sharia, this is evidenced based on data from rating values and from reviews of hotel guest services that have stayed at various sharia hotels in Bandung City from the Agoda application
PEMBIAYAAN MELALUI FINTECH SYARI’AH SEBAGAI UPAYA PENGEMBANGAN UMKM DI ERA KEUANGAN DIGITAL Aji Nuryakin, Rahmat; Jumiati, Eti; Solihin, Asep; Saefuddin, Aep; Rahayu, Wati
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1288

Abstract

This study aims to describe the distribution of funding through Financial Technology (Fintech) Syari'ah in an effort to develop MSMEs in the current Disruption Innovation era in Indonesia. The method used for this research is descriptive analysis with an exploratory qualitative approach in order to understand an event, ensure the validity of the data, categorize the data, and construct the phenomena that occur. The data collected is secondary data, technical analysis and data collection is carried out by literature review as data to support scientific research. The data analyzed are in the form of journals, scientific papers, articles, official websites of Fintech companies, and other required sources. The results of the literature data can help identify whether Syari'ah Fintech is an alternative to MSME funding that does not have business capital reserves with a scheme according to a contract in Shari'ah principles and the extent of the role of Syari'ah Fintech in helping MSME financing in Indonesia
PENGARUH KOMPETENSI KARYAWAN, ETIKA BISNIS ISLAM TERHADAP KUALITAS PELAYANAN NASABAH BANK SYARIAH INDONESIA DI MUARA BULIAN KABUPATEN BATANG HARI El Munawwarah, El Munawwarah; Sari Asmara, Wina; Hebat Kurnia , Raden
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 4 No 2 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v4i2.1535

Abstract

This research is based on the quality of service provided by the Bank to customers. There are many influences that make the service of BSI Muara Bulian Branch quality, including in terms of employee competence and Islamic business ethics owned by the Bank. The purpose of this study is to determine how much influence employee competence and Islamic business ethics have on the quality of customer service at BSI Muara Bulian Branch. The research method used is a quantitative method. The population used in this study were active customers at BSI Muara Bulian Branch using the Slovin theory with a 5% error limit, a sample of 164 respondents was obtained with a trial of 30 respondents through random sampling techniques and the remaining 134 respondents were used again as a test of the research instrument. The data collection techniques used by the researcher were literature studies, observations, interviews and questionnaires. Based on the results of the study, it shows: the influence of employee competence on service quality is 34.2%, the influence of Islamic business ethics on service quality is 65.4%, and simultaneously employee competence and Islamic business ethics on service quality have an effect of 81.1%

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