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Islamiconomic: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Sultan Maulana Hasanuddin Banten
ISSN : 20853696     EISSN : 25414127     DOI : 10.32678/ijei
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Islamiconomic: Jurnal Ekonomi Islam (IJEI) is a periodical scientific publication intended for economists who want to publish their articles in the form of literature studies, research, and scientific development in the field of Islamic economics. IJEI was first published in 2009 which is annually published twice (June and December). IJEI works closely with the Islamic Economist Association (Ikatan Ahli Ekonomi Islam) and Islamic Economic Society (Masyarakat Ekonomi Syariah) which provides editorial members, peer reviewers, and authors, both are professional associations related to IJEI aims and scopes. IJEI invites manuscripts in the areas: Islamic Economics, Islamic Banking, Islamic Business, Islamic Management, and Islamic Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 10 Documents
 1 
Search results for , issue "Vol 16, No 2 (2025)" : 10 Documents clear
The Nexus Between Maqasid al Sharia and Affordable Housing Program: A Systematic Review Ghoni, Muhammad Abdul; Affandi, Muhammad Taufiq
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i1.647

Abstract

The affordable housing can be defined as housing for low-income people (MBR), who have limited ability to obtain housing and supported by government of Indonesia within the financing program throughout Islamic banking as stated in the Minister of Public Works and Public Housing Regulation Number 1 of 2021 on criteria for low-income people (MBR), easy requirements to build and own a house. This emphasizes the importance of affordable housing for low-income people is to promote the welfare of the people that in accordance to the objectives of the Shariah (Maqasid al Sharia). The current study examines the nexus between Maqasid al Sharia and legal regulation of republic Indonesia as the basis of affordable housing program. To explore and optimize the harmonization the objectives of the Shariah (Maqasid al Sharia) and legal regulation of republic Indonesia, we analyze the legal regulations contents of republic Indonesia to expose the indicators and spirits of the objectives of the Shariah (Maqasid al Sharia) in the affordable housing programs. Using Systematic review tool, these indications and spirit of the objectives of the Shariah (Maqasid al Sharia) are identified on the basis reviewed and analysis of legal regulation. A systematic study results show that, the indicators, and spirits of the Maqasid al Sharia; protection of religion (din), protection of life (Nafs), protection of intellect (Aql), protection of wealth (Mal), and protection of lineage (Nasl) are reflected in the legal regulation of Republic of Indonesia as groundbreaking affordable housing program.
Analysis of Agribusiness Development Model in Kutalimbaru Regency: A Maqasid Syariah Perspective Rizqiya, Annisa; Arif, Muhammad; Jannah, Nurul
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.968

Abstract

Agriculture plays a strategic role in providing food, bioenergy, and driving agro-industrial growth and commodity exports. However, the agricultural sector in Indonesia, including in Kutalimbaru District, Deli Serdang Regency, faces serious challenges, including declining interest among the younger generation and limited adoption of modern technology. Statistics Indonesia (BPS) data (2024) shows a decline of approximately 0.24 million casual workers in the agricultural sector nationally, which is also reflected in Kutalimbaru through reduced active land and a lack of farmer regeneration. This study aims to analyze the implementation of agricultural technology and understand the extent to which the principles of Maqasid Sharia can be integrated into local agribusiness practices. The research method used is a qualitative descriptive approach using observation techniques, in-depth interviews with local farmers, and documentation. The results indicate that limited access to information, minimal technology-based training such as smart farming and drip irrigation, and low institutional support are the main inhibiting factors. From a Maqasid Sharia perspective, strengthening the Kutalimbaru agricultural sector through agricultural technology supports the preservation of life (hifz al-nafs), protection of property (hifz al-mal), and environmental preservation (hifz al-bi'ah). The research conclusion emphasizes the importance of collaboration between the government, extension workers, and religious institutions in increasing agricultural technology literacy based on Islamic values to achieve productive, sustainable, and competitive agriculture.
Implementation of Sharia Financial Products for MSMEs in Medan: Perspectives of Entrepreneurs and Financial Institutions Abdi, Yudistira; Chandra, Andriana Alnazhira; Rokan, Mustafa Kamal; Sani, Imaduddin
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.989

Abstract

This study examines the role of sharia financial products in supporting MSMEs in Medan, the challenges encountered, and potential solutions for optimization. Using a qualitative case study with 12 informants, data were gathered through in-depth interviews, field observations, and document analysis. The findings show that MSMEs’ understanding and acceptance of sharia financial products remain limited due to low literacy and a preference for conventional finance. Key challenges include complex procedures, restricted access, weak product innovation, and insufficient regulatory support at the local level. To address these barriers, the study proposes strengthening financial literacy education, developing innovative products tailored to micro-enterprises, enhancing digital infrastructure, and encouraging collaboration among government, financial institutions, and business communities. The novelty of this research lies in its dual perspective, integrating insights from both MSME actors and Islamic financial institutions, which is rarely examined in prior studies. This dual lens provides a more holistic understanding of the interaction between demand and supply in sharia finance. The study contributes to the Islamic economics literature by presenting the unique case of Medan, while offering policy implications that emphasize localized literacy strategies, regulatory reforms, and innovation to achieve inclusive and competitive sharia finance aligned with maqasid al-shariah.
Strengthening Competitiveness through Sharia-Based Digitalization: A Case Study of Kampung Tahu Binjai City Indonesia Hendra, Hendra; Riska, Zunaida; Soemitra, Andri; Nasution, Faisal
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.988

Abstract

This study aims to analyze the role of digitalization in enhancing the competitiveness of sharia-based creative industries, identify the challenges faced, and formulate strategies to optimize digital transformation in the tofu production center of Kampung Tahu, Binjai City. Using a qualitative approach with a case study method, data were collected through in-depth interviews with twelve informants, field observations, and document analysis related to digitalization and sharia economic policies. Thematic analysis with an inductive approach was employed to process the data, supported by triangulation for validity. The findings reveal that digitalization contributes significantly to expanding market access, improving operational efficiency, and reinforcing sharia principles through transparent and halal-compliant financial systems. However, challenges remain, including low digital literacy, limited infrastructure, weak understanding of digital sharia practices, and insufficient institutional support. To address these, several strategies are proposed, such as sharia-based digital literacy programs, equitable infrastructure development, multi-stakeholder collaboration, and the establishment of halal digital ecosystems. This research provides a unique contribution by presenting a contextual model of sharia-oriented digitalization strategies for traditional food-based MSMEs, an area rarely explored in existing literature, thereby offering both theoretical enrichment and practical guidance for inclusive and sustainable sharia economic transformation.
The Potential of Halal Tourism for Regional Economy and Community Income: Evidence from South Kalimantan Syaugi, Syaugi; Asyahri, Yusuf; El Wafa, Faqih
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.843

Abstract

The purpose of this study is to analyze the potential of halal tourism for the regional economy and its impact on community income in South Kalimantan. This study employs a combination of qualitative and quantitative approaches. The sampling technique employed was cluster sampling in three districts/cities, with a sample size of 100 respondents determined through quota sampling. The data collection technique used was structured interviews, followed by triangulation to validate the interview results. Data analysis was conducted using the Miles and Huberman approach to identify the potential for halal tourism, while quantitative analysis employed the multiplier effect approach to measure the economic impact. The study's results demonstrate the potential of halal tourism in South Kalimantan, highlighting its appeal through river destinations, floating markets, religious sites, natural attractions, marine activities, culture, and cuisine. The Keynesian Local Income Multiplier value is 1.09. Meanwhile, the Type I Income Multiplier Ratio is 3.63 and Type II is 4.15, indicating a significant increase in the income of business owners, workers, and local consumption. This study contributes to the Islamic economic literature by providing halal tourism development that not only supports regional economic growth but also aligns with Sharia principles to create mutual benefits.
The Influence of E-Commerce, Digital Payments, and Digital Literacy on MSME Income in The Perspective of Islamic Economics Rifa'i, Alwi; Nurbaiti, Nurbaiti; Ilhamy Nasution, Muhammad Lathief
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.984

Abstract

The rapid advancement of digital technologies has transformed business landscapes, offering micro, small, and medium enterprises (MSMEs) unprecedented opportunities to enhance competitiveness and income. In Muslim-majority contexts, such as Medan Johor, this transformation must align with Islamic economic principles to ensure both economic and ethical value creation. This study employs a quantitative survey of 98 MSME actors, measuring the effects of e-commerce, digital payment, and digital literacy on income. Using multiple linear regression, the results demonstrate that all three variables exert a positive and significant impact, with digital literacy emerging as the most influential driver of effective technology adoption. These findings resonate with Islamic economic principles of maslahah (public benefit), efficiency, and the prohibition of gharar (excessive uncertainty), which emphasize transparency, utility, and blessings in economic transactions. The study extends existing literature by embedding Islamic economic perspectives within the MSME digitalization discourse and by capturing the socio-religious nuances of a localized setting. Policy implications include fostering Shariah-compliant digital literacy programs, strengthening regulatory frameworks, and enhancing the role of Islamic financial institutions in delivering technology-based, Shariah-compliant financing solutions to empower MSMEs sustainably.
Islamic Crowdfunding Model for Accelerating Asset Growth in Sharia Cooperatives: A Case Study of KSBB Krisnaningsih, Diah; Ardiani, Ninda; Nugroho, Tofan Tri; Nur Aini, Dyah Ayu; Saputri, Dian Maharani
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.986

Abstract

This study analyzes the implementation of sharia loan crowdfunding at Koperasi Syariah Berkah Bersama (KSBB) as an innovative financing model to accelerate asset growth and the accumulation of third-party funds (DPK) in non-bank financial institutions. Using a qualitative case study approach, data were collected through in-depth interviews with KSBB management, members, and beneficiaries (shahibul maal and mudharib), supported by observations of the KSBB Universe platform and relevant documentation. The findings reveal that the adoption of sharia crowdfunding significantly increased KSBB’s assets from IDR 513 million in 2020 to IDR 6.9 billion in 2023 (growth of 1,350%) through the use of WhatsApp-based crowdfunding, and further to IDR 13.8 billion in March 2024 (growth of 150%) after the introduction of the KSBB Universe platform. Key success factors include KSBB’s hybrid role as a consumer cooperative, sharia financing provider, and crowdfunding operator; the application of syariah contracts (murabahah, mudharabah, musyarakah); strict project feasibility analysis; strong community trust and religious values; and the adoption of a digital platform that enhances transparency and accessibility. However, challenges remain in terms of members’ financial literacy, limited regulatory frameworks for cooperative-based crowdfunding, and the need for stronger human resource capacity. The study contributes theoretically by extending the discourse on sharia crowdfunding beyond fintech startups into cooperative-based models, and practically by offering insights into how cooperatives can adapt crowdfunding mechanisms to strengthen financial sustainability and promote sharia-based financial inclusion in Indonesia.
Optimizing Blockchain Waqf as An Instrument for The Sustainability of Pesantren Education Mahfudz, Akhmad Affandi; Ihsan, Syahrul; Syamsuri, Syamsuri; Shuib, Mohd Sollehudin
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.1027

Abstract

The emergence of the need for sustainable education, makes waqf a potential solution to support pesantren education by utilizing technology. The role of blockchain as a cutting-edge technology and the development of waqf-based Pesantrens in Indonesia make this study crucial. This article discusses the optimization of waqf as an instrument to support the sustainability of pesantren education by utilizing blockchain technology. This study uses a qualitative methodology to explore the integration of blockchain technology in the pesantren waqf system comprehensively. This study uses a literature study approach from secondary data. The results of the study indicate that the implementation of blockchain in pesantren waqf can increase transparency through irreversible transaction recording, accelerate the distribution of benefits and maintain accountability with smart contracts, even its traceable nature can increase public or waqif trust in waqf management in Pesantrens. In addition, the purpose of this study is to provide an appropriate waqf optimization strategy by utilizing blockchain technology to produce sustainable education. The conclusion of this study emphasizes the use of blockchain which has great potential in optimizing waqf management for the sustainability of pesantren education, but its implementation requires the right adaptation strategy and readiness of waqf managers. The contribution of the study is in the form of literacy of blockchain-based waqf digitalization in Pesantrens and opens opportunities for further research related to practical and policy aspects.
Digital Payment, E-Commerce, and Social Media Effects on Halal Culinary Purchase Decisions: Evidence from Yogyakarta, Indonesia Farhatannisa, Ifa Azzahra; Surur, Miftahus
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.924

Abstract

The concept of halal in Islam refers to products and practices that are permissible under Islamic law, encompassing not only ingredients but also production and transaction processes. In the digital era, consumer purchase decisions—particularly in the halal culinary sector—are increasingly influenced by digital platforms. This study examines the effects of e-payment, e-commerce, and social media on halal culinary purchase decisions, using consumers of Dimsum Narawi in Yogyakarta as a case study. A quantitative research approach was employed, utilizing primary data collected through an online questionnaire distributed via Google Forms. The study population consisted of consumers who had purchased Dimsum Narawi, with a sample of 200 respondents selected through purposive sampling based on the Lemeshow formula. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS version 3.0. The results indicate that e-payment and social media significantly influence halal culinary purchase decisions, while e-commerce does not show a significant effect. These findings contribute theoretically by extending the application of the Theory of Reasoned Action in the context of halal digital consumption, highlighting the role of perceived usefulness and behavioral intentions. Practically, this study provides insights for halal culinary entrepreneurs to strengthen digital marketing strategies by optimizing efficient e-payment systems and leveraging interactive social media engagement to enhance consumer purchase decisions.
Bibliometric and Systematic Review of Development-Oriented Zakat Management in Depok City, Indonesia Rohim, Ade Nur; Sari, Lili Puspita; Lesmana, Kevin Shaquille; Alivian, Ilham
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.993

Abstract

This study maps and analyzes research trends on zakat management in Depok City, Indonesia, and examines its contribution to local development from 2020 to 2024. Forty relevant articles identified through Google Scholar using the Publish or Perish tool were analyzed with VOSviewer software. The findings reveal four main thematic clusters: studies on Baznas of Depok City as an institutional entity, zakat management practices, determinants of zakat payment behavior, and Amil Zakat Institutions (LAZ). Most research focuses on the distribution of zakat funds for empowerment-oriented economic programs. The trend analysis shows fluctuating research activity, peaking in 2022 and declining thereafter, with contributors affiliated with both Islamic and general higher education institutions. The novelty of this study lies in its localized bibliometric approach, which systematically captures the intellectual structure of zakat research at the city level—an area rarely explored in prior literature. Its scholarly significance lies in advancing understanding of how local zakat governance contributes to sustainable community development. Practically, it offers evidence-based insights for policymakers to strengthen institutional performance and diversify productive zakat programs. The study’s limitation lies in its reliance on Google Scholar data, suggesting the need for broader database coverage in future research.

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