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Rina Desiana
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Gedung Fakultas Ekonomi dan Bisnis Islam Program Studi Ekonomi Syariah Jl. Syekh Abdul Rauf, Kopelma Darussalam, Banda Aceh, Aceh, Indonesia
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INDONESIA
EKOBIS SYARIAH
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : -     EISSN : 25797042     DOI : http://dx.doi.org/10.22373/ekobis
Core Subject : Religion, Economy, Science, Social,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences
Kesadaran penerapan prinsip-prinsip ekonomi syariah dalam seluruh aktivitas ekonomi semakin meningkat seiring dengan adanya bukti empiris bahwa sistem ekonomi konvensional belum sepenuhnya mampu meningkatkan kesejahteraan masyarakat secara keseluruhan. Penerapan sistem ekonomi konvensi hanya menyisakan masalah warisan seperti meningkatnya ketimpangan pendapatan, semakin lebarnya jurang kemiskinan dan persoalan-persoalan lainnya yang berdampak pada adanya marjinalisasi satu golongan terhadap golongan lain. Kehadiran ekonomi syariah diharapkan mampu menyelesaikan berbagai persoalan dalam ekonomi sehingga terciptanya pembangunan ekonomi yang berkeadilan dan dapat dinikmati oleh seluruh masyarakat.Namun dalam prakteknya, penerapan prinsip-prinsip ekonomi syariah perlu didukung oleh penelitian baik empiris maupun teoritis.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 121 Documents
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Penerapan Manajemen Zakat Produktif Melalui Program ZMART Dalam Meningkatkan Ekonomi Umat di Kota Kupang Purnamasari, Hasanah; Putra, Awang Darmawan; Awaliyah, Rob’iah; Yamin, Ashabul
EKOBIS SYARIAH Vol. 8 No. 2 (2024)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v8i2.26466

Abstract

Penelitian ini mendeskripsikan kembali penerapan manajemen zakat produktif melalui program ZMART dalam meningkatkan ekonomi umat di Kota Kupang. Metode penelitian dengan pendekatan kualitatif terhadap studi kasus pada sejumlah penerima manfaat Program Zmart di Kota Kupang. Data dikumpulkan melalui wawancara, observasi, dan dokumentasi untuk menganalisis dampak program terhadap kesejahteraan ekonomi penerima program ZMART. Hasil penelitian menunjukkan bahwa pihak BAZNAS Provinsi NTT berupaya menjalankan program ZMART dengan menerapkan fungsi manajemen yang terdiri dari; tahap pertama perencanaan program serta mengumpulkan data dan informasi agar selanjutnya dapat diasesmen sesuai dengan kebutuhan mustahik. Tahap kedua pada penyaluran dilakukan dengan pemberian modal usaha dengan sistem dana hibah yakni mustahik tidak berkewajiban untuk membayar angsuran dari modal yang diterima. Modal usaha tersebut berupa pengadaan dan branding pada produk yang dijual. Pengawasan kepada mustahik penerima program ZMART dilakukan seminggu sekali secara berkelompok ataupun individu dengan mengadakan kunjungan bergilir oleh pendamping diakhiri dengan tahap evaluasi. Penelitian ini mengindikasikan bahwa dengan penerapan manajemen zakat produktif yang tepat, zakat dapat menjadi alat yang efektif dalam memberdayakan ekonomi masyarakat, mempercepat pertumbuhan ekonomi lokal, dan mengurangi ketergantungan pada bantuan sosial
Transparansi, Keamanan, dan Kepercayaan: Apa yang Mendorong Niat Mahasiswa untuk Berdonasi Melalui Platform Crowdfunding? Nadya, Putri; Haris Riyaldi, Muhammad
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.34223

Abstract

This study aims to analyze the influence of transparency and security on the interest of students to donate using a crowdfunding platform, with trust as a moderating variable. The sample used was 100 respondents who were selected using the proportional stratified random sampling technique. The data analysis techniques used are multiple linear regression analysis and moderated regression analysis. The results of the study show that transparency and security have a positive and significant impact on students' interest in donating. The trust variable is able to positively moderate the relationship between transparency, security, and students' interest in donating. It is hoped that the Kitabisa.com crowdfunding platform can maintain transparency and improve security in order to gain consumer trust and increase interest in donating.
The Role of Zakat in Realizing Sustainable Development Goals (SDGs) to Increase Community Economic Income (Study on Baitul Mal of Banda Aceh City) Hafidhah, Hafidhah; Sari, Nilam; Wirda, Wirda
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.30329

Abstract

This study examines the Analysis of Mustahik Income Before and After receiving Productive Zakat from Baitul Mal in Banda Aceh City. Productive zakat plays an important role in increasing mustahik income. With the productive zakat program, it is very helpful for Mustahik in adding capital for business, building a business, developing a business, and and creating employment opportunities. This study aims to determine the role and implementation of zakat and analyze the differences in Mustahik income before and after the distribution of business capital assistance through productive zakat by Baitul Mal Kota Banda Aceh. This research is a Quantitative Research using the Wilcoxon Matched Pairs Test analysis method. The research sample used was 81 Mustahik productive zakat recipients using the Area Cluster Random Sampling technique. This study found that there were differences in Mustahik's income before and after receiving productive zakat, this shows that the provision of productive zakat in realizing SDGs has an important role in increasing the income of the community (Mustahik) implemented by Baitul Mal Kota Banda Aceh.
Israf dalam Ekonomi Digital: Perspektif Etika Konsumsi Islam terhadap Gaya Hidup Hedonis Rahmi, Aulia; Moh Najib; Mesi Herawati; Harmanto Raharjo
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.32448

Abstract

A hedonistic lifestyle that develops through social media and an algorithm-based digital system that encourages repeated consumption. This research aims to analyse how consumption practices in the digital economy can be categorised as isrāf and how Islamic consumption ethics can serve as an evaluative framework in responding to this phenomenon. This research uses a qualitative approach based on normative literature review with content analysis techniques and a hermeneutic approach. Data were obtained from scientific journal articles, academic books, as well as classical and contemporary Islamic literature from the period 2019–2025 that are relevant to digital consumption, hedonism, and Islamic consumption ethics. The research results show that digital consumption tends to be impulsive, symbolic, and influenced by algorithms, thus exceeding the limits of rational needs. This practice meets the characteristics of isrāf, both in terms of motives, patterns, and impacts. Furthermore, it was found that isrāf in the digital economy is not only individual in nature but is also influenced by social constructs and the structure of the digital system. This research concludes that Islamic consumption ethics, through the principle of moderation (wasathiyyah) and the framework of maqāṣid al-sharī‘ah, offer a relevant normative approach to controlling excessive consumption and building a more just and sustainable consumption pattern in the digital era. 
Peran Pondok Pesantren dalam Memberdayakan Kewirausahaan Santri di Pondok Pesantren Al-Risalah Batetangnga Mutmainnah, Tiara; Sappeami; Rini, Rini
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.33195

Abstract

This research is motivated by the still low involvement of students in entrepreneurial activities, the limited variety of business units, and the minimal marketing support and post-boarding school follow-up. The purpose of the research is to understand the role of Pondok Pesantren Al-Risalah Batetangnga in fostering the entrepreneurial spirit of the students. The research uses a qualitative approach with a case study method through interviews, observations, and documentation. Data analysis was conducted using the Miles & Huberman interactive model, and validity testing was performed using triangulation and member check. This research concludes that Al-Risalah Batetangnga Islamic Boarding School plays an important role in fostering the entrepreneurial spirit of its students through the formation of an independent mindset, practice-based training, the provision of business facilities such as cooperatives, and the instillation of Islamic values. This role not only equips students with technical skills but also shapes an entrepreneurial character that is independent, has integrity, and is responsible
Kemudahan Penggunaan dan Manfaat Melakukan Transaksi Penarikan Tunai Tanpa Kartu Menggunakan Mobile Banking Riza, Akmal; Iskandar, Evy; Rahayu, Nining Puji
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.33270

Abstract

This study aims to examine cardless cash withdrawal transactions through mobile  banking and their role in increasing transaction intention in Islamic banking. Specifically, the research investigates the effects of perceived ease of use and perceived benefit on users’ intentions to conduct cardless cash withdrawal transactions using BSI Mobile among students at UIN Ar-Raniry in Banda Aceh. A quantitative research approach with an associative design was employed. Primary data were collected through a structured questionnaire distributed to 100 student BSI Mobile users, selected using a non-probability sampling technique with purposive sampling. The data were analyzed using multiple linear regression method to test the proposed hypotheses. The results reveal that perceived usefulness has a positive and significant effect on users’ intention to conduct cardless cash withdrawal transactions via BSI Mobile. In contrast, perceived ease of use has no effect on transaction intention. These results provide valuable insights into the determinants of digital banking service adoption among university students, particularly in the context of Islamic banking.
Mensintesis Dampak Sosial Ekonomi Wakaf dan Zakat terhadap Pertumbuhan Berkelanjutan dalam Ekonomi Kreatif Halal Masyhuri, Muallif; Annissa, Ella
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.34250

Abstract

Not many studies systematically explain the combined impact of waqf and zakat on sustainable growth in the context of the halal creative economy, especially from the socio-economic side such as poverty alleviation, equal opportunity distribution, empowerment of halal creative SMEs, and their long-term impact. This research aims to synthesise empirical evidence from the literature regarding the influence of waqf and zakat on the socio-economics of the halal creative economy, as well as to identify the factors that strengthen or hinder their role in achieving sustainable growth. The method used is a literature review or systematic mapping. About 30 journal articles were selected based on inclusion criteria: publications between 2020–2025, containing discussions on waqf, zakat, halal creative economy, or sustainable growth. The results show that productive waqf and productive zakat can enhance the capacity of the halal creative economy through the provision of capital, access to financing, training and mentoring, and regulatory support. Digitalisation and institutional integration also emerged as important factors. As a main finding, it produces an integrative zakat-waqf model that maps the flow of resources from collection (nazhir/amil), productive distribution, to strengthening the capacity of halal creative economy actors (SMEs). This article is expected to contribute to theory and practice by offering a framework on how waqf and zakat can be maximised as instruments for inclusive and sustainable halal creative economy growth, as well as policy recommendations to overcome major obstacles.
Assessing the Awareness and Willingness of Mindanao State University Faculty, Staff, Alumni and Students in Contributing to a University-Based Zakat Fund Salic, Jawad
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.34298

Abstract

In predominantly Muslim areas like Mindanao, universities have failed to institutionalise the zakat system in their institutional processes. Based on the construction of Islamic social finance and institutional trust that connects religious awareness and clear governance with donor willingness, this paper measures the feasibility of implementing zakat funds at Mindanao State University (MSU). This need is very urgent because a large number of students require financial assistance and a significant number of community members are eligible to distribute zakat. Meeting the descriptive survey research design with 314 respondents through stratified random sampling via Google Forms and analysed using descriptive statistics and weighted mean. This study assesses the level of knowledge among MSU stakeholders regarding the level of knowledge of the beneficiaries and their willingness to receive that knowledge, leading to the identification of key factors for success. The researchers established the university community has a high awareness of the religious value of zakat, a religious attitude towards that value, and trust in the institution. Three key elements highlighted by respondents who support the idea of a zakat fund at MSU are that the fund manages the use of discretionary funds in Islamic banking responsibly, integrates digital technology, and collaborates with Islamic scholars. Finally, the research paper recommends that MSU needs to adopt a Sharia-compliant zakat management system with a high level of transparency to set an example for other government organisations, thereby generating programs that can help student welfare and advance Islamic giving practices towards educational equity across the Philippines.
Kontribusi Sukuk Negara terhadap Pembiayaan Pembangunan Berkelanjutan Nurkaromah, Silvia Ripa; Marpudin, Fasya Dhiyaulhaq; Fadillah, Faiz Zaki; Adiansyah, Abdhi; Suryanto, Asep
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.34626

Abstract

This study aims to analyse the contribution of State Sukuk (SBSN) to the financing of sustainable development in Indonesia within the framework of the Sustainable Development Goals. The study employs a qualitative approach through a literature review and content analysis of academic literature and official government reports. The results of the study indicate that State Sukuk, as stipulated in Law No. 19 of 2008 on SBSN, has become a strategic instrument in financing the State Budget. Through the Project-Based Sukuk scheme, funds are allocated to tangible assets and real projects such as educational infrastructure, transport, and public facilities that support the achievement of the SDGs, particularly SDG 4, SDG 7, and SDG 13. The issuance of Green Sukuk since 2018 has further strengthened the commitment to a green economy and low-carbon development. Furthermore, from an economic perspective, State Sukuk contribute to capital formation and the expansion of the investor base, whilst socially they improve access to basic services and promote equitable development. The implications of this research suggest that strengthening regulations, governance and Islamic financial literacy is necessary to optimise the use of Government Sukuk as an instrument of sustainable development in Indonesia.
Millennial Investment Behavior in the Digital Era: A Multidimensional Analysis Ulya, Zikriatul; Setiawan, Muarif; Salsabila, Nasywa; Zulhilmi
EKOBIS SYARIAH Vol. 10 No. 1 (2026): Modern Islamic Economic Paradigm: The Synergy of Technology, Social Finance, a
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v10i1.34642

Abstract

The expansion of digital technology has revolutionized investment patterns, especially among millennials, who are known to be adaptable to innovation. Ease of access to investment also carries risks for those who do not yet understand financial products. The main factors influencing millennial investment behavior include financial literacy, digital education, religiosity, and risk perception. This study aims to analyze the influence of financial literacy, digital education, religiosity, and risk perception on millennial investment behavior in the digital era. The study used a descriptive quantitative approach with an associative explanation method. The study sample consisted of 150 millennial student respondents in Langsa City, Participants were chosen using purposive sampling. The data were collected through questionnaires and analyzed with multiple regression methods. The results showed that financial literacy and digital education had a positive but insignificant effect on investment behavior, suggesting that increased financial knowledge and access to digital education were not sufficient to significantly encourage investment decisions. Conversely, religiosity and risk perception were shown to have a positive and significant effect, meaning that the higher the level of religiosity and the better the understanding of risk, the greater the tendency of millennials to invest. Simultaneously, all four variables significantly influenced investment behavior. Research findings indicate that millennials' investment behavior is influenced not only by financial literacy and digital education, but also by religiosity and risk perception. Therefore, improving literacy, implementing digital education, and strengthening religious values and risk management are crucial for developing wise and sustainable investment behavior.

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