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INDONESIA
Jurnal Ekonomi Syariah dan Bisnis
Published by Universitas Majalengka
ISSN : 2655822X     EISSN : 26215012     DOI : https://doi.org/10.31949
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Maro; Jurnal Ekonomi Syariah dan Bisnis fokus pada Ekonomi Islam, Manajemen Islam, Akuntansi Syariah, Bisnis Islam, Wakaf, Zakat dan Shadaqoh serta Perbankan Syariah
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 242 Documents
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Peran ALCO dalam Optimalisasi ALMA pada Perbankan Syariah Elinda Nur Hasanah; Dino Baggio Listiiyanto; Yani Aguspriyani
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18208

Abstract

Abstract: This study investigates the strategic role of the Asset Liability Committee (ALCO) in optimizing Asset Liability Management (ALMA) in Islamic banking. The increasing complexity of asset and liability management, which demands not only financial balance but also compliance with Islamic principles, led to the selection of this topic. This study uses a qualitative approach with a descriptive method through literature review. Annual reports, financial statements, risk management reports, and related scientific literature constitute secondary data. Analysis was conducted using the Miles and Huberman model, as well as content analysis. According to the research results, ALCO functions as a strategic decision-making center that combines the tasks of risk management, finance, financing, and Islamic compliance. In addition, good governance, a sound information system, and data transparency influence ALCO performance. ALCO must balance profitability with Islamic compliance. According to this study, ALMA optimization is highly dependent on the ALCO's strategic, integrative, and normative roles in supporting the stability and sustainability of Islamic banking.
An Implementation Of Islamic Human Resource Management On Employee Welfare Nurul Fitrah; Abd. Wahab; Alim Syariati; Muhammad Ghalib; A. Adi Prabowo
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18457

Abstract

This study aims to analyze the implementation of Islamic Human Resource Management on employee welfare within an organization. This issue is important to examine because many companies still focus more on productivity and profit orientation rather than comprehensively considering employee welfare, both materially and spiritually. Previous studies have generally focused on Islamic work ethics and Islamic organizational culture, while studies discussing the relationship between the implementation of Islamic Human Resource Management and employee welfare remain relatively limited. This study employs a qualitative approach using a library research method. Data were collected from scientific journals, books, articles, and various literature sources relevant to the research focus. Data collection techniques were conducted through documentation and literature review, while data analysis was carried out through data reduction, data presentation, and conclusion drawing. The findings indicate that the implementation of values such as trustworthiness (amanah), justice, ihsan, and responsibility in human resource management can improve work motivation, loyalty, job satisfaction, and employee welfare both materially and spiritually. This study emphasizes that Islamic Human Resource Management not only functions to enhance organizational productivity but also creates a harmonious work environment oriented toward collective welfare and benefit. Future studies are recommended to employ empirical approaches in order to analyze the implementation of Islamic Human Resource Management more comprehensively across various organizational sectors.Kata kunci: Employee Welfare, Human Resource Management, Islamic Management, Sharia Management
Economic Transformation of the Ummah through Innovative Productive Zakat Programs of BAZNAS Sumenep Irma Wardatul Fuadah; Nurul Hidayati
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18509

Abstract

Penelitian ini dilatarbelakangi oleh tingginya angka kemiskinan di Kabupaten Sumenep yang masih berada di atas rata-rata Provinsi Jawa Timur, sehingga diperlukan instrumen ekonomi Islam yang mampu mendorong pemerataan kesejahteraan masyarakat secara berkelanjutan. Salah satu instrumen yang memiliki potensi strategis adalah zakat produktif yang dikelola oleh Badan Amil Zakat Nasional (BAZNAS) Kabupaten Sumenep melalui berbagai inovasi program berbasis pemberdayaan dan digitalisasi layanan. Penelitian ini bertujuan untuk menganalisis pengaruh inovasi program zakat produktif terhadap kesejahteraan mustahik di Kabupaten Sumenep. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 50 mustahik penerima program zakat produktif BAZNAS Kabupaten Sumenep. Teknik pengumpulan data dilakukan melalui penyebaran kuesioner, observasi, dan dokumentasi. Data dianalisis menggunakan regresi linier sederhana dengan bantuan IBM SPSS Statistics. Hasil penelitian menunjukkan bahwa inovasi program zakat produktif memiliki pengaruh positif namun tidak signifikan terhadap kesejahteraan mustahik. Hal ini ditunjukkan oleh nilai thitung sebesar 1,309 yang lebih kecil dibandingkan ttabel sebesar 2,011 dengan tingkat signifikansi 0,197 > 0,05. Nilai koefisien determinasi (R²) sebesar 0,034 menunjukkan bahwa kontribusi inovasi program zakat produktif terhadap kesejahteraan mustahik masih relatif kecil. Temuan penelitian menunjukkan bahwa inovasi program zakat belum sepenuhnya mampu meningkatkan kesejahteraan mustahik secara optimal karena masih terdapat kendala pada aspek pendampingan usaha, keterbatasan kapasitas mustahik, dan keberlanjutan program. Penelitian ini merekomendasikan penguatan sistem pendampingan, optimalisasi digitalisasi layanan zakat, dan kolaborasi lintas sektor agar zakat produktif dapat berfungsi lebih efektif sebagai instrumen transformasi ekonomi umat.
Persepsi Nasabah Terhadap Kualitas Pelayanan Produk Giro Berkah Wadi’ah Di Bank Syariah Nasional Cabang Bengkulu Tina Azzanii; Desi Isnaini; Uswatun Hasanah
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18727

Abstract

Abstract: This study examines customer perceptions of service quality in the Giro Berkah Wadi’ah product at Bank Syariah Nasional Bengkulu Branch. This issue is important because Islamic banking services are not assessed only through product compliance with sharia principles, but also through customers’ direct experiences of accuracy, responsiveness, assurance, empathy, and physical service facilities. Previous studies have generally discussed Islamic bank service quality, customer satisfaction, or wadi’ah savings products, while product-specific studies on giro wadi’ah at branch level remain limited. Therefore, this study formulates two problems: how the Giro Berkah Wadi’ah service is implemented and how customers perceive its service quality. This research uses a descriptive qualitative type and approach, located at Bank Syariah Nasional Bengkulu Branch. Data were obtained through in-depth interviews, direct observation, and documentation involving ten active Giro Berkah Wadi’ah customers and two frontliner employees selected by purposive sampling. Data were analyzed through reduction, data display, conclusion drawing, and verification using SERVQUAL and the Tri-Component Attitude Model. The study finds that customers generally perceive reliability, responsiveness, assurance, and empathy positively, while tangibles still require improvement. It recommends strengthening physical facilities, service consistency, and sharia-based product communication.
Islamic Fintech Opportunities and Challenges in Advancing Financial Inclusion Among Muslim Communities in Indonesia Ayu Gumilang lestari; Layaman; Dendy Novandi
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18980

Abstract

Indonesia, as the country with the largest Muslim population in the world, holds significant potential for the development of financial technology (fintech) based on sharia principles. However, despite the size of this population, the level of Islamic financial inclusion remains far from optimal. This article critically examines the opportunities and challenges faced by Islamic fintech in enhancing financial inclusion among Muslim communities in Indonesia. Employing a critical analytical approach grounded in scholarly literature, this study identifies key factors influencing the adoption of Islamic fintech, including financial literacy, public trust, regulatory compliance, and the depth of sharia substance embedded in digital financial products. The findings indicate that Islamic fintech has the potential to serve as a transformative instrument for expanding financial access, but this potential can only be realized if it is supported by adequate education, substantive sharia supervision, data security, and a collaborative ecosystem involving Islamic banks, pesantren, micro, small, and medium enterprises (MSMEs), and Islamic social institutions.
Analisis Strategi Digitalisasi Pembiayaan pada KSPPS BMT Dana Ukhuwah Cicalengka Abdul Hakim; Alan Rusdiana; Rosti Setiawati; Riski Cahyawati; Ahmad Nurkamali
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18120

Abstract

The digitalization of financing in Islamic cooperatives has become a critical issue in improving service efficiency, expanding access, and enhancing the competitiveness of microfinance institutions. However, prior studies have predominantly focused on technological aspects without integrating compliance with Sharia principles in financing contracts. This study aims to analyze strategies for optimizing the digitalization of financing at KSPPS BMT Dana Ukhuwah, Cicalengka Branch, and to identify the inhibiting factors. The research questions address how digitalization strategies can be optimized and what challenges are encountered in their implementation. This study employs a descriptive qualitative approach, with data collected through observation, interviews, and documentation. Data analysis was conducted through data reduction, data display, and conclusion drawing. The findings indicate that the digitalization of financing has not been fully optimized due to limited managerial accuracy, insufficient human resources, and low levels of members’ technological literacy. The novelty of this study lies in the integration of digitalization strategies with compliance to Sharia contract principles. The study recommends enhancing human resource capacity, improving digital literacy among members, and strengthening Sharia-based digital systems.
The Role of Productive Waqf as an Instrument of Islamic Fiscal Policy Sirojul Munawwar; Rina Rosia
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18781

Abstract

Penelitian ini bertujuan untuk menganalisis peran wakaf produktif sebagai instrumen kebijakan fiskal Islam dalam mendukung pembiayaan pembangunan sosial, khususnya di sektor pendidikan, kesehatan, dan pemberdayaan ekonomi masyarakat di Indonesia. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan riset kepustakaan, menganalisis literatur akademis, laporan resmi dari lembaga wakaf, dan dokumen kebijakan terkait pengelolaan wakaf produktif. Hasil penelitian menunjukkan bahwa wakaf produktif memiliki potensi besar sebagai sumber pembiayaan sosial jangka panjang yang berkelanjutan karena sifat permanen aset wakaf dan kemampuannya untuk menghasilkan arus dana yang stabil. Namun, optimalisasinya masih terhambat oleh keterbatasan kapasitas manajerial nazhir, rendahnya tingkat digitalisasi, lemahnya integrasi regulasi, dan kurangnya literasi masyarakat. Studi ini menyimpulkan bahwa wakaf produktif dapat berfungsi sebagai mekanisme pembiayaan publik alternatif yang efektif jika didukung oleh profesionalisasi nazhir, penguatan regulasi, inovasi digital, dan kemitraan multi-sektor.This study aims to analyze the role of productive waqf as an Islamic fiscal policy instrument in supporting social development financing, particularly in the education, health, and community economic empowerment sectors in Indonesia. The research employs a qualitative descriptive method with a library research approach, analyzing academic literature, official reports from waqf institutions, and relevant policy documents related to productive waqf management. The findings indicate that productive waqf has substantial potential as a sustainable long-term source of social financing due to the permanent nature of waqf assets and their ability to generate stable funding flows. However, its optimization remains constrained by limited managerial capacity of nazhir, low levels of digitalization, weak regulatory integration, and inadequate public literacy. The study concludes that productive waqf can serve as an effective alternative public financing mechanism if supported by the professionalization of nazhir, strengthened regulations, digital innovation, and multi-sectoral partnerships.
Adopsi Digital Banking Syariah Generasi Z: Perspektif TAM dan Maqashid Syariah intan putri delima; Zahara Mahdalena; Wesi Oktavianti; Ichsan Anta Ridho; Fera Zora
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.19008

Abstract

Transformasi digital dalam sektor keuangan telah mendorong perbankan syariah untuk mengembangkan berbagai layanan digital guna meningkatkan kualitas pelayanan dan memperluas inklusi keuangan syariah. Generasi Z menjadi kelompok yang potensial dalam pengembangan digital banking syariah karena memiliki tingkat literasi teknologi yang tinggi dan intensitas penggunaan internet yang besar. Namun demikian, berbagai penelitian menunjukkan bahwa tingkat pemanfaatan layanan digital banking syariah masih belum optimal dibandingkan dengan potensi pasar yang tersedia. Kondisi ini menunjukkan adanya kesenjangan antara perkembangan teknologi perbankan syariah dan tingkat penerimaan pengguna. Penelitian ini bertujuan menganalisis faktor-faktor yang mempengaruhi adopsi perbankan digital syariah pada Generasi Z melalui integrasi Technology Acceptance Model (TAM) dan Maqashid Syariah. Penelitian menggunakan metode studi literatur dengan menganalisis berbagai artikel ilmiah nasional dan internasional yang diterbitkan pada periode 2021–2026. Data dikumpulkan melalui proses identifikasi, seleksi, klasifikasi, dan sintesis literatur yang relevan. Hasil kajian menunjukkan bahwa persepsi kegunaan dan persepsi kemudahan penggunaan merupakan faktor utama yang mempengaruhi minat penggunaan digital banking syariah. Selain itu, nilai-nilai Maqashid Syariah berkontribusi dalam meningkatkan kepercayaan, persepsi kepatuhan syariah, dan keyakinan pengguna terhadap layanan keuangan digital syariah. Kebaruan penelitian ini terletak pada integrasi perspektif teknologi dan perspektif syariah dalam menjelaskan perilaku adopsi perbankan digital syariah pada Generasi Z. Penelitian ini merekomendasikan pemberdayaan inovasi layanan digital yang tidak hanya berfokus pada kemudahan teknologi, tetapi juga pada penerapan nilai-nilai syariah secara berkelanjutan. Keywords: digital banking syariah; generasi z; maqashid syariah; technology acceptance model; studi literatur
Konsep Kesejahteraan Sosial Dalam Perspektif Ekonomi Pancasila Dan Ekonomi Islam Kurnia Rusmiyati; Abu Syhabudin; Anggi Prayitno; Dea Puspita
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 8 No. 3 (2026): Special Issue
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v8i2.17515

Abstract

This study aims to examine and compare the concept of social welfare from the perspectives of Pancasila Economics and Islamic Economics. Amidst the dominance of the global capitalist economic system, Indonesia has a unique philosophical foundation, namely Pancasila Economics, while as a country with the largest Muslim population, the principles of Islamic Economics also have a significant influence. The method used in this study is library research with a descriptive comparative approach. The results of the study show that Pancasila Economics views social welfare as the embodiment of social justice for all Indonesian people, achieved through the principles of kinship, a people's economy, and the active role of the state in managing strategic resources in accordance with Article 33 of the 1945 Constitution. On the other hand, Islamic economics views welfare (falah) as the achievement of worldly and spiritual happiness based on Maqashid Syariah (protection of religion, soul, mind, offspring, and property) through instruments of wealth redistribution such as zakat, infaq, alms, and waqf. These two perspectives have a strong common ground in the principles of humanity, rejection of exploitation, and priority on equitable distribution of wealth to protect vulnerable groups. The fundamental difference lies in the source of authority: Pancasila Economics is based on national consensus and state ideology, while Islamic Economics is based on divine revelation. A synthesis of these two concepts is expected to become a solid foundation in the formulation of public policy to create a more inclusive and equitable social security system in Indonesia in the future.
Pengaruh Kompensasi Terhadap Produktivitas Kerja di PT BSI Kantor Cabang Bandung Selatan Yasir M Fauzi; Jiwa Riwayanti; Yuni Maryanti
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 8 No. 3 (2026): Special Issue
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v8i2.17533

Abstract

Based on the results of observations and interviews, this study was motivated by a decrease in the number of employees at PT Bank Syariah Indonesia (BSI) South Bandung Branch Office, which was known to be caused by a lack of compensation for work results. The purpose of this study was to analyze the effect of compensation on employee work productivity. The research method used was associative quantitative with primary data obtained through observation, interviews, literature studies, and questionnaires. The sampling technique used saturated sampling with a population of 30 employees who were also used as research samples. The results showed that compensation had a significant effect on work productivity with a contribution of 32.5% (t count 3.674 > t table 2.04841). Thus, compensation has been proven to play an important role in increasing employee productivity at PT BSI South Bandung Branch Office.

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