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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 94 Documents
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Analisis Dana Kementrian Koperasi Dan UMKM Dalam Mengurangi Kemiskinan dan Penyerapan Tenaga Kerja Provinsi Banten: Analysis of the Ministry of Cooperatives and SMEs Funds in Reducing Poverty and Absorption of Labor in Banten Province Yayah Rukayah
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 1 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i1.2144

Abstract

Empowerment of Cooperatives and MSMEs in a structured and sustainable manner is expected to be able to harmonize the structure of the regional economy, and play a major role in accelerating regional economic growth, reducing unemployment rates, reducing poverty rates, dynamizing the real sector, and improving the distribution of community income. This research is motivated by the increase in poverty rates in Banten caused by a lack of employment opportunities, as well as the lack of quality human resources, especially regarding the level of poverty and employment in Banten Province. This study aims to analyze the effect of revolving funds on poverty reduction and increasing employment. The analysis methods used include partial tests (t-test), simultaneous tests (F-test), and coefficient of determination tests (R²). The results of the study indicate that partially, revolving funds have a significant effect on poverty reduction with a calculated t value > t table (2.601 > 2.030) and on increasing employment with a calculated t value > t table (3.872 > 2.030). Simultaneously, the revolving fund significantly impacted both variables, with a calculated F value > F table (4.437 > 4.15). The coefficient of determination indicates that the revolving fund contributed 13% to poverty reduction and 78% to employment growth. These findings empirically demonstrate that the existence of a revolving fund can encourage MSME development, optimize regional budget realization, and serve as an effective financial intermediation instrument in strengthening the regional and national economy as a whole.
IMPLEMENTASI FINTECH PADA LEMBAGA KEUANGAN SYARIAH DI KABUPATEN TEGAL DALAM MENINGKATKA KEUANGAN INKLUSIF Mursekha; Lutfi Nawa Salsabil
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 1 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i1.2181

Abstract

This study was conducted to determine how the implementation of financial technology (fintech) in Islamic financial institutions in increasing financial inclusion. The approach used in this study is a qualitative field research method. Data collection techniques in this study use data triangulation including documentation, interviews, and observations, data analysis used is by applying thematic analysis, which consists of three main stages, namely data reduction by selecting and organizing data based on main categories, data presentation. Based on field data, the results obtained that several LKS have developed Islamic mobile banking applications, digital payment systems, and online financing services based on Islamic contracts such as murabahah and ijarah, fintech has been proven to be able to increase public access to Islamic financial services, especially for unbanked and underbanked community groups. In its implementation, the Financial Institutions (LKS) in Tegal Regency stated that they adhere to Sharia principles through the supervision of the Sharia Supervisory Board (DPS). Challenges faced by LKS in implementing fintech include limited technological infrastructure in rural areas and low digital literacy among the public. Fintech implementation has had a positive impact on LKS performance, particularly in terms of increasing the number of customers, operational efficiency, and ease of service access. The active role of the DPS is also key to ensuring that the digital transformation remains within Sharia principles and has a broad impact on equitable financial inclusion.
GERAKAN KOIN NU SEBAGAI AKTUALISASI ETIKA SPIRITUAL ISLAM DI TENGAH MASYARAKAT NAHDIYIN Ahmad, Diki
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 1 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i1.2204

Abstract

The KOIN NU movement is a socio-religious phenomenon that reflects the actualization of Islamic spiritual ethics within the life of Nahdliyyin society. This study aims to examine in depth how the KOIN NU movement, initiated by LAZISNU PCNU Garut Regency, represents the spirit of solidarity, simplicity, and communal self-reliance framed within Islamic spiritual values. Using a qualitative-descriptive approach through field studies, interviews, and documentation techniques, the author finds that KOIN NU is not merely a fundraising initiative but a spiritual movement that integrates inner values with tangible action. The findings reveal that the KOIN NU movement functions not only as a means of collecting community donations, but also serves as a moral and spiritual educational platform. The Nahdliyyin community actively participates in regularly allocating a portion of their assets, which indirectly fosters collective awareness and a shared sense of ownership toward a faith-based social movement. Furthermore, this initiative strengthens religious and local cultural identity while reducing dependency on external aid. Thus, KOIN NU can be understood as a praxis of Islamic spiritual ethics that is inclusive and transformative amid the lives of Nahdliyyin society. This study contributes to a broader understanding of Islamic philanthropy dynamics and grassroots movements as strategies for community empowerment based on spiritual values
PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN CUSTOMER GEN Z PADA COFFE SHOP POINT COFFE BANDAR LAMPUNG Abdillah, Satria Yuda; Ruslaini; Sutopo, Heri
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 1 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i1.2206

Abstract

This study aims to analyze the effect of service quality on Generation Z customer satisfaction at Point Coffee in Bandar Lampung. The research employs a quantitative method with data collection through online questionnaires distributed to 100 respondents, targeting Generation Z population who have experienced Point Coffee services, using purposive sampling technique. The findings indicate that service quality has a positive and significant impact on Point Coffee customer satisfaction, as evidenced by t-count value of 9.560 > t-table 1.984 and significance of 0.000 < 0.05. The relationship between variables is classified as strong with a correlation coefficient of 0.695, where service quality contributes 48.3% to customer satisfaction. This research provides important implications for developing coffee shop service strategies in addressing Generation Z consumer preferences
IMPLEMENTASI SIFAT QANA'AH DAN KAITANNYA DENGAN PERILAKU KONSUMTIF MAHASISWA Ilham, Muhamad Sihabudin; Sa’diyah, Maemunah; Hakiem, Hilman
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 1 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i1.2208

Abstract

Perilaku konsumtif tidak dapat dipisahkan dari pengaruh aspek keagamaan. Istilah perilaku konsumtif menggambarkan kecenderungan seseorang untuk membeli barang dan jasa yang terkadang tidak benar-benar diperlukan. Dalam menghadapi situasi semacam ini, penting kiranya untuk menginternalisasi sikap qana’ah dalam kehidupan sehari-hari. Qana’ah mengajarkan kita untuk menerima dengan lapang dada apa yang ada di sekitar kita. Penelitian ini bertujuan untuk memahami hubungan antara implementasi sifat qana'ah dengan perilaku konsumtif pada mahasiswa Pendidikan Agama Islam di UIKA Bogor. Penelitian ini menggunakan metode kuantitatif dengan pendekatan korelasional. Jumlah sampel yang diambil dalam penelitian ini adalah sebanyak 202 orang, yang ditentukan melalui teknik probability sampling, yakni simple random sampling. Skala yang digunakan meliputi skala perilaku konsumtif dan skala qana'ah. Hasil analisis memperlihatkan nilai r sebesar -0.404 dengan tingkat signifikansi 0.000, yang berarti hipotesis dapat diterima. Kesimpulannya, terdapat hubungan negatif antara qana'ah dan perilaku konsumtif di kalangan mahasiswa PAI UIKA Bogor. Temuan ini memberikan kontribusi signifikan dalam usaha membangun karakter mahasiswa melalui penguatan nilai-nilai keislaman yang dapat diterapkan dalam kehidupan sehari-hari
OPTIMASI KEUANGAN BERBASIS KEAMANAN: STUDI KASUS MANAJEMEN RESIKO PEMBIAYAAN DI KSPPS USB Muarif, Ah. Dalhar
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.v4i2.1398

Abstract

KSPPS USB (Usaha Syariah Bersama) is a sharia cooperative founded on November 21, 2012 by alumni of the Sharia Banking Study Program, STAI Mathali'ul Falah Pati. Amidst the many cooperatives that went bankrupt in Pati Regency, KSPPS USB has been able to survive and develop well until now with assets of billions of rupiah. This study aims to examine the strategy of managing sharia-based financing at KSPPS USB, especially in optimizing security-based finance. The method used is a qualitative approach with in-depth interviews with management and direct observation of the financing operational process. The analysis uses Miles and Huberman with the stages of data collection, data reduction, data display and verification which focus on four main aspects, namely financing distribution arrangements, payment monitoring, credit risk management, and handling problematic financing. The results of the study indicate that in financing the focus is on character and capacity as the main factors, supported by a field survey process and a ranking system. This study emphasizes the importance of a combination of personal and technological approaches to improve the sustainability of institutions and the success of Islamic financing
ANALISIS PEMBIAYAAN BTPN SYARIAH TERHADAP PENINGKATAN EKONOMI MASYARAKAT DI TANGGAMUS Raden Ayu Salsabila; Noorikha Pandayahesti Saputeri; Warsiyah
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 2 (2026): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i2.2166

Abstract

This study aims to analyze the impact of BTPN Syariah financing on improving the local economy in Tanggamus Regency. The main issue examined is how Islamic financing contributes to local economic growth and community welfare. This research employs a qualitative method with data collection techniques including field observations, in-depth interviews, and documentation as supporting methods to complement the necessary data. The findings reveal that BTPN Syariah financing has a positive impact on the community's economy in Tanggamus. Several factors influence the effectiveness of the financing, including: a personal and non-bureaucratic approach that fosters comfort and trust among the community; a simple process with minimal requirements and fast processing time, which aligns well with the characteristics of rural communities; a comprehensive mentoring program that ensures the sustainability of customers' businesses; and the use of various types of Sharia contracts that provide flexibility according to customers' needs
ANALISIS TINGKAT KESEJAHTERAAN PENGEMUDI MAXIM DI KOTA BANDAR LAMPUNG PERSPEKTIF MAQASHID SYARIAH Irfan Aditia; Abizar; Ruslaini; Ulil Albab
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 2 (2026): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i2.2167

Abstract

This research aims to analyze the welfare level of Maxim drivers in Bandar Lampung City based on five dimensions of maqashid syariah: the preservation of religion (din), life (nafs), intellect ('aql), lineage (nasl), and wealth (mal). The research method employed is qualitative with a phenomenological approach. Data were obtained through in-depth interviews with 30 Maxim driver informants selected purposively. The research findings indicate that the profession as an online motorcycle taxi driver for Maxim has not yet comprehensively fulfilled the principles of maqashid syariah. The main obstacles were found in the aspect of life preservation (hifz al-nafs) regarding physical fatigue and psychological pressure, and wealth preservation (hifz al-mal) with the reality of fluctuating income that results in unmet basic needs. Nevertheless, forms of adaptation and differences in perception in facing existing challenges were also discovered. This research recommends policy interventions from companies and government to support overall driver welfare based on Islamic values
ANALISIS PEMBIAYAAN MACET PADA BPRS MITRA AGRO USAHA Rahma Aulia Nazwa; Noorikha Pandayahesti Saputri; Eki Tiyas Nurulia
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 2 (2026): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i2.2201

Abstract

Non-performing financing (NPF) is one of the main challenges faced by Islamic Rural Banks (BPRS), including BPRS Mitra Agro Usaha Lampung. This issue arises from various external and internal factors. External factors include economic conditions, government policies, and natural disasters, while internal factors involve suboptimal credit analysis and weak monitoring of customers. High levels of non-performing financing can disrupt the bank's financial stability and reduce customer trust in Islamic financial institutions. Therefore, effective handling strategies that align with Sharia principles are crucial. The purpose of this study is to analyze the factors causing non-performing financing, evaluate the handling mechanisms implemented by BPRS Mitra Agro Usaha Lampung, and assess their compliance with Sharia principles. This research uses a descriptive qualitative method with data collected through interviews, observations, and documentation. The results show that the handling strategies include issuing warning letters, conducting discussions (musyawarah) with customers, restructuring financing, sealing collateral, and auctioning collateral as a last resort. These strategies align with Sharia principles, emphasizing justice, transparency, and the prohibition of riba. However, the NPF rate at BPRS Mitra Agro Usaha Lampung remains relatively high, at 11%, indicating the need for improved risk analysis, regular monitoring, and the development of an early warning system to detect potential risks sooner
ANALISIS PEMBIYAAN SYARIAH TERHADAP PENINGKATAN PENJUALAN ELEKTRONIK DI ERAFONE BANDAR LAMPUNG Odi Herdian; Noorikha Pandayahesti Saputeri; Warsiyah
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 2 (2026): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i2.2255

Abstract

The electronics industry in Indonesia has been growing rapidly along with the increasing use of digital devices by the public. However, high prices remain a major obstacle for consumers who wish to purchase products in cash. Islamic financing has emerged as an alternative financial system based on the principles of fairness, transparency, and interest-free transactions, making it an attractive option for Muslim consumers. This study aims to examine the influence of Islamic financing on the increase in electronic product sales at Erafone Bandar Lampung and its impact on consumers’ purchasing power. The research uses a descriptive qualitative method, with data collected through interviews, observations, and document studies at the Erafone Panjang Bandar Lampung branch. Data analysis was carried out systematically through the stages of data reduction, presentation, and conclusion drawing. The results show that Islamic financing contributes positively to the increase in electronic product sales, especially among consumers who prioritize transactions in accordance with Islamic principles. The main factors influencing customer interest include contract clarity (akad), price transparency, and ease of the application process. Challenges faced include a lack of consumer understanding, complicated administrative procedures, and competition with conventional financing. Marketing strategies using the marketing mix (Product, Price, Place, Promotion, People, Process, Physical Evidence) have proven effective in strengthening Erafone’s position in attracting Islamic financing consumers. This study recommends improving consumer education, employee training, and expanding cooperation with Islamic financial institutions to maximize the potential of Islamic financing in increasing electronic product sales

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