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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 235 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.

Page 24 of 24 | Total Record : 235

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