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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 86 Documents
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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%
MENINGKATKAN KEPUASAN PELANGGAN BIDANG USAHA PESANTREN MELALUI KUALITAS PELAYANAN DAN HARGA: INCREASING CUSTOMER SATISFACTION IN THE ISLAMIC BOARDING SCHOOL BUSINESS FIELD THROUGH SERVICE QUALITY AND PRICES Mastur; Ziana Firdaus; Rapika Dewi; Sabrina Rahma Kamiswari; Mega Muhardi
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.v4i2.1575

Abstract

Realizing the economic independence of Islamic boarding schools is now the main agenda. This can be achieved by building a business that focuses on customer needs and preferences. Business continuity can also be guaranteed by continuing to improve the quality of services provided. The existence of research phenomena and gaps regarding different research results intrigued the author to test these variables at Darunnajah Fried Chicken. Quantitative research method with 100 respondents using smart PLS 4.1.0.2 data analysis. From the research days it was found that price has no effect on customer satisfaction, price has a positive and significant effect on service quality. Service quality has a positive and significant effect on customer satisfaction. Service quality is able to mediate between price and customer satisfaction. Service quality and price can influence customer satisfaction by 28.1%, while the remainder (71.9%) is influenced by variables not studied.
ANALISIS TANTANGAN HUKUM DALAM PENGEMBANGAN EKONOMI DIGITAL DAN E-COMMERCE DI ERA TEKNOLOGI MODERN: Analisis Tantangan Hukum Dalam Pengembangan Ekonomi Digital Dan E-Commerce Di Era Teknologi Modern Nasarudin; Zuhrah
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.v4i2.1594

Abstract

The development of the digital economy and e-commerce in the era of modern technology faces significant legal challenges, regulatory gaps, consumer protection, and data security. The purpose of this study is to analyze the legal challenges in the development of the digital economy and e-commerce, identify regulatory gaps, create an adaptive and inclusive legal framework to support the growth of the digital economy in Indonesia. Qualitative research methods, the research approach uses a library research approach. The data collection method uses document review. The analysis used is content analysis. The results of the study indicate that the legal challenges in the development of the digital economy and e-commerce in the era of modern technology can be grouped into several main aspects, namely regulation, consumer protection, data security, and sustainability of the digital ecosystem. First, regulatory gaps are a significant problem because many laws are no longer relevant to the development of digital technology, such as cross-border trade and digital taxation. In addition, the lack of harmonization of laws between countries hinders international trade. Furthermore, consumer protection is also a concern, where many consumers face unclear rights and responsibilities in online transactions, as well as the risk of fraud and lack of transparency from service providers. On the other hand, data security and privacy are major issues, with regulations that are still weak in protecting personal information and low public awareness of the importance of data privacy. Challenges to the sustainability of the digital ecosystem also arise, especially related to the inequality of access to technology and the imbalance of power between large and small business actors. This study emphasizes the urgent need to develop regulations that are more adaptive and flexible to technological innovation, as well as the importance of collaboration between governments, industry players, and the international community to overcome global challenges in the digital economy.
DETERMINAN PERILAKU GENERASI ZILENIAL DAN MILENIAL DALAM MENGGUNAKAN E COMMERCE DENGAN PENDEKATAN MODEL COMBINATION TPB-TAM: Determinan Perilaku Generasi Zilenial Dan Milenial Dalam Menggunakan E Commerce Dengan Pendekatan Model Combination TPB-TAM haeruddin
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.v4i2.1622

Abstract

The rapid development of technology has transformed conventional trading systems into e-commerce, enabling efficiency and ease in digital transactions. The advancement of technology, especially in commerce, has been widely accepted by all levels of society, particularly the Zilenial and Millennial generations, which naturally impacts consumer behavior. This study aims to determine the behavioral determinants of the Zilenial and Millennial Generations in using e-commerce through the TPB-TAM Combination Model approach. This research adopts a quantitative method, with the population consisting of the Zilenial and Millennial Generation (aged 11–42 years) at the AL-Ijtihad Al-Mahsuni Lotim Foundation. Data collection is conducted through questionnaires, and data analysis is performed using SmartPLS3. The study's results indicate that: (1) Attitude Towards Use (ATU) positively influences Intention to Use (BI); (2) Subjective Norms (SN) positively influence Intention to Use (BI); (3) Perceived Behavioral Control (PBC) does not significantly influence Intention to Use (BI); (4) Perceived Benefits (PU) positively influence Intention to Use (BI); and (5) Perceived Ease of Use (PEU) positively influences Intention to Use (BI). The findings confirm the proposed hypotheses, showing that ATU, SN, PU, and PEU have a positive and significant impact on BI, while PBC does not significantly affect BI. These results provide a deeper understanding of the role of technology in buying and selling transactions, particularly in e-commerce, and its influence on the behavioral patterns of the Zilenial and Millennial generations in adopting e-commerce.
PENGARUH LITERASI KEUANGAN, KEMUDAHAN, DAN KEAMANAN TERHADAP KEPUTUSAN BERTRANSAKSI MENGGUNAKAN QRIS PADA UMKM DI BSI UMKM CENTER ACEH: Pengaruh Literasi Keuangan, Kemudahan, Dan Keamanan Terhadap Keputusan Bertransaksi Menggunakan Qris Pada UMKM Di Bsi UMKM Center Aceh Alfi Syahrin; Marlizar; Sulfitra
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.v4i2.1638

Abstract

This study aims to analyze the influence of financial literacy, ease of use, and security on the decision to transact using QRIS among MSMEs (Micro, Small, and Medium Enterprises) at the BSI MSME Center in Aceh, both partially and simultaneously. The research employs a quantitative approach with descriptive and causal methods. Data were collected through questionnaires distributed to 84 MSME respondents at the BSI MSME Center in Aceh, selected using purposive sampling techniques. Data analysis includes validity and reliability tests, multiple linear regression analysis, and partial and simultaneous hypothesis testing. The results reveal that financial literacy does not have a significant partial effect on the decision to transact using QRIS, while ease of use has a positive and significant partial effect. Security also does not significantly influence the decision to transact. However, simultaneously, financial literacy, ease of use, and security significantly influence the decision to transact using QRIS. The implications of this study highlight the importance of enhancing the ease of use of QRIS through interface simplification and user training, as well as strengthening financial literacy and security to support the adoption of digital payment technologies among MSMEs. These findings can serve as a reference for Bank Syariah Indonesia, the government, and payment service providers in designing educational programs and technological advancements to promote QRIS usage in the MSME sector.
PENGARUH KUALITAS PRODUK TERHADAP KEPUTUSAN NASABAH MEMILIH PEMBIAYAAN KPR DI BANK BTN SYARIAH CABANG MEDAN: Pengaruh Kualitas Produk Terhadap Keputusan Nasabah Memilih Pembiayaan KPR Di Bank BTN Syariah Cabang Medan Dwi Vanka Br. Sitepu; Raja Sakti Putra Harahap
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.v4i2.1677

Abstract

Sharia financing with a more certain installment amount makes it one of the people's interests to take out a mortgage at Bank BTN Syariah Medan Branch Office. The question in this research is, is the quality of Sharia financing products with more definite installment amounts able to influence customers' decisions when choosing Home Ownership Credit (KPR) at Bank BTN Syariah Medan Branch Office? The method used in this research is quantitative, with a sample of 41 respondents. This research shows that the product quality variable significantly influences the decision to occupy a house at Bank BTN Syariah Medan Branch Office. This is also proven by the Product Quality Variable (X) having a tcount of 4.781 with a significance level of 0.006 and a ttable of 1.682 with df = 41 at the 0.05 level. The significance level is less than 0.05. The coefficient of determination results shows that 63.7% of location variables can influence the decision variable to occupy a house, and other variables outside the research discussion influence the remaining 36.3%.
PENGARUH KEMUDAHAN PENGGUNAAN TOKOPEDIA TERHADAP PEMBAYARAN UANG KULIAH: TINJAUAN PUSTAKA: Pengaruh Kemudahan Penggunaan Tokopedia terhadap Pembayaran Uang Kuliah: Tinjauan Pustaka Febi Julia Ariska; Elida Elfi Barus
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.v4i2.1678

Abstract

This study aims to examine the effect of the ease of use of Tokopedia on tuition payments in Indonesia, focusing on implementing digital payment systems such as QRIS and electronic wallets. This literature review identifies various benefits Tokopedia provides as a tuition payment platform, including ease in the transaction process, flexibility of payment methods, and increased administrative efficiency in educational institutions. Tokopedia, with the integration of the QRIS system, allows students to make payments using various e-wallets, which speeds up the process and increases financial inclusion among students, especially those living in remote areas. However, while the platform provides convenience, data security and economic inclusion challenges are still a significant concern. Transaction security, especially in terms of the protection of users' personal data and accessibility for students who do not have adequate access to digital technology, is an issue that needs to be addressed. In addition, Tokopedia also improves students' financial literacy, helps them manage their expenses, and prepares them for future financial challenges. Overall, Tokopedia has made an essential contribution to the digitization of tuition payments, but economic security and inclusion challenges must continue to be considered to optimize its benefits.
PENGARUH SYARIAH COMPLIANCE, TRANSPARANSI dan AKUNTABILITAS TERHADAP MINAT MUZAKKI MEMBAYAR ZAKAT DI DT PEDULI CABANG BOGOR: THE EFFECT OF SHARIAH COMPLIANCE, TRANSPARENCY AND ACCOUNTABILITY ON MUZAKKI'S INTEREST IN PAYING ZAKAT AT DT PEDULI BRANCH, BOGOR Bukhori Hanief Al Fajry; Abrista Devi; Reni Sinta Dewi
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.v4i2.1679

Abstract

This study aims to determine the influence of Sharia Compliance, Transparency, and Accountability on the interest of muzakki to pay zakat at DT PEDULI Bogor Branch. The problems experienced at DT PEDULI Bogor are the low collection of zakat funds and the number of those who have not reached their intended potential. This is influenced by the inequality between the potential of zakat funds and their realization, resulting in many muzakki who pay their zakat directly to mustahik and not through zakat institutions. The research approach used by the researcher is a quantitative approach. The population carried out in this study is the muzakki who give zakat at DT PEDULI Bogor branch with a total of 426 people. The sample collection method used is the purposive sampling method with a sample size of 100 respondents. The data analysis technique uses the Structural Equation Modelling-Partial Least Square (SEM-PLS) method through smartPLS 4.0 software. The results of this study show that Sharia compliance, and transparency have a significant and positive effect on the interest of muzakki in paying zakat. Meanwhile, accountability does not have a significant and positive effect on the interest of muzakki in paying zakat.

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