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Khabib Solihin
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jiose@ipmafa.ac.id
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Journal of Indonesian Sharia Economics
Published by Institut Pesantren Mathali'ul Falah
ISSN : 29623812     EISSN : 28291719     DOI : https://doi.org/10.35878/jiose
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Indonesian Sharia Economics merupakan jurnal ilmiah yang dikelola oleh Fakultas Syariah & Ekonomi Islam Institut Pesantren Mathaliul Falah Pati. Jurnal yang terbit dua kali dalam setahun Maret dan September ini didedikasikan untuk publikasi hasil penelitian dan kajian tentang Ekonomi Islam. Journal of Indonesian Sharia Economics menjadi sarana diseminasi hasil penelitian dan kajian yang berkualitas tentang Ekonomi & Bisnis Syariah dengan sub tema pembahasan seputar Perbankan Syariah, Filantropi Islam, Keuangan Syariah, Akuntansi Syariah, Pemasaran Syariah, dan Manajemen Syariah. Naskah yang diterima sangat terbuka bagi kajian multidispliner terhadap ekonomi syariah sesuai perkembangan zaman.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 63 Documents
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Dinamika Pertumbuhan dan Potensi Keuangan Syariah dalam Mewujudkan Ekonomi Nasional yang Berkelanjutan Nisa, Zalfa Khoirun; Rohmah, Fadilatur; Safitri, Rosiana Aolia; Suharti, Fisit
JIOSE: Journal of Indonesian Sharia Economics Vol 5 No 1 (2026): Maret 2026
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v5i1.1960

Abstract

The Islamic financial sector in Indonesia has demonstrated an increasingly strategic role in supporting inclusive and sustainable economic growth. Although the assets of Islamic banking have exceeded IDR 1,050 trillion as of March 2026, its market share remains relatively small, at approximately 7.5%–8%, indicating that its potential has not yet been fully optimized. This study aims to analyze the development of the Islamic financial sector, identify key challenges—particularly in terms of financial literacy and digital transformation—and formulate strategies to strengthen institutional capacity in the digital economy era. This research employs a descriptive qualitative approach through a literature review, utilizing secondary data from the Financial Services Authority (OJK), Bank Indonesia, and the National Committee for Islamic Economy and Finance for the 2024–2026 period. The findings reveal a gap between asset growth and the relatively low level of public literacy, as reflected in a literacy index of 39.11%, which is lower than the inclusion rate. This gap gives rise to the phenomenon of the floating mass, which may reduce customer loyalty. In addition, digital transformation plays a crucial role in expanding access to financial services and addressing competition from fintech. The study also highlights the importance of industry consolidation, the integration of social and commercial financial instruments, and the strengthening of the real sector, particularly MSMEs. Overall, the development of Islamic finance requires integrated policy support, enhancement of human capital quality, and optimization of digital technology to strengthen its competitiveness and contribution to the national economy.
Platform Online Food Delivery: Antara Efisiensi dan Liberalisme dalam Muamalah Zuhri, Zainuddin
JIOSE: Journal of Indonesian Sharia Economics Vol 5 No 1 (2026): Maret 2026
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v5i1.2167

Abstract

Online food delivery platforms have become a prominent phenomenon in contemporary muamalah practices, offering convenience and efficiency in food ordering and delivery. However, their emergence has generated debates within Islamic law, particularly regarding the alleged presence of multiple contracts (multi akad) considered inconsistent with sharia principles. This study aims to examine the ‘illah (effective legal cause) underlying the prohibition claims of online food delivery by analyzing the hadiths frequently used to support such arguments. The method employed is hadith criticism, including sanad and matn analysis, combined with a contextual approach to assess the relevance of these hadiths in light of technological developments and modern transaction systems. The findings indicate that online food delivery practices, especially those using the cash on delivery (COD) system, do not contain the ‘illah referred to in the relevant hadiths, such as elements of riba, gharar, or prohibited contract combinations. The COD mechanism, including the courier’s role in advancing payment to the seller, is better understood as part of an operational system aimed at achieving transactional efficiency rather than as an independent debt contract. Therefore, online food delivery should not be categorized as a form of liberalism in muamalah, but rather as an efficient and adaptive practice within the framework of Islamic commercial law.
Peran Pembiayaan Murabahah dalam Pemberdayaan UMKM di KSPPS Yaummi Maziyah Assa’adah Cabang Trangkil Martiana, Diah
JIOSE: Journal of Indonesian Sharia Economics Vol 5 No 1 (2026): Maret 2026
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v5i1.2171

Abstract

Micro, Small, and Medium Enterprises (UMKM) play a crucial role in the national economy; however, they continue to face major constraints, particularly limited access to financing. Sharia Microfinance Institutions, such as Savings and Financing Cooperatives (KSPPS), provide alternative financing solutions based on Islamic principles, one of which is through the murabahah contract. This study aims to analyze the role of murabahah financing in empowering UMKM and to identify the supporting and inhibiting factors in its implementation at KSPPS Yaummi Maziyah Assa’adah Trangkil Branch. This study employs a descriptive qualitative approach using a field research method. Data were collected through interviews, observations, and documentation, and analyzed through data reduction, data display, and conclusion drawing. The results indicate that murabahah financing contributes to increasing business capital, enhancing business capacity, and promoting members’ economic independence. However, its impact on business sustainability has not been optimal due to limited mentoring and supervision. Supporting factors include ease of access to financing, the application of Sharia principles, and members’ business experience. Meanwhile, inhibiting factors include limited human resources, insufficient business mentoring, and fluctuations in UMKM income. This study emphasizes the importance of integrating financing and mentoring in the empowerment of MSMEs within the framework of Islamic microfinance.

Page 7 of 7 | Total Record : 63

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