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Sofi Faiqotul Hikmah
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jesdar_bwi20@iaida.ac.id
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Dusun Tegalsari Lor, RT 20 RW 04 Desa Purwoasri Kecamatan Tegaldlimo Kabupaten Banyuwangi
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INDONESIA
Jurnal Ekonomi Syariah
Published by institut Agama Islam Darussalam blokagung Banyuwangi
ISSN : -     EISSN : 27458407     DOI : 10.30739/jesdar.v4i1
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Islamic Economics Darussalam is a periodical journal published by Islamic Economics Study Program, Faculty of Islamic Economics and Business, Darussalam Islamic Institute, Blokagung Banyuwangi. This journal specializes in the study of sharia economics, sharia business management, contemporary fiqh is a scientific publication facility for academics, researchers and practitioners in publishing research articles and studies of conceptual articles in the field of sharia economics, sharia business management, contemporary fiqh. Articles published after going through the manuscript selection mechanism and editing process. : Published twice a year in August and February, iSSN On Line (2745-8407).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 122 Documents
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PENGARUH KEBIASAAN MENABUNG TERHADAP HIDUP HEMAT SANTRI ASRAMA AL-MASYITHOH PADA TABUNGAN HARIAN DI BIRO KEUANGAN PUTRI DARUSSALAM BLOKAGUNG BANYUWANGI Tutut Wijayanti; Eko Budiywono
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5195

Abstract

The purpose of this study is 1) To find out the saving habits (X) on the life-saving santri of Al-Masyithoh Dormitories at the daily savings in the putri Darussalam finance bureau (Y). 2) To find out the life savings (Y) of the life savings of Al-Masyithoh boarding students on daily savings in the Darussalam financial bureau of Blokagung Banyuwangi (Y). This study uses a quantitative method where there are two variables, namely saving habits (independent) variable and frugal living (dependent) variable. Based on the results of the study note that the Ftest results obtained by simple regression analysis showed that the Fcount value of 4.5840 and Ftable at a significance level of 3.35. F test results are known that the Fcount value is greater than Ftable or 4.5840 > 3.35. Then it can be seen that the independent variable saving habits (X) influences the dependent variable namely life saving santri (Y). So the result of this study is that the saving habits has a positive and significant effect on the Alive Savings of Al-Masyithoh boarding students in the daily savings in the putri Darussalam finance bureau, Blokagung Banyuwangi.
ANALISIS PERBANDINGAN PENILAIAN KINERJA KEUANGAN PERUSAHAAN TERDAFTAR PADA SAHAM SYARIAH DI JAKARTA ISLAMIC INDEX: (Studi Kasus di PT XL Axiata Tbk dan PT Telkom Indonesia Tbk) Ida Muafikoh; Lely Ana Ferawati Ekaningsih
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5196

Abstract

This study aims to analyze the assessment of the financial performance of PT XL Axiata Tbk and PT Telkom Indonesia Tbk as well as knowing and analyzing the differences in the financial performance of the two companies using liquidity ratios, solvency ratios, and profitability ratios. This type of research is a quantitative, the method used is comparative in nature, which means comparing the levels of liquidity, solvency, and profitability on the financial performance of PT XL Axiata Tbk and PT Telkom Indonesia Tbk. Research Results 1) The assessment of PT XL Axiata Tbk's financial performance seen from the liquidity ratio is not good, while in terms of solvency it is very good, and in terms of profitability is not good. 2) The evaluation of PT Telkom Indonesia Tbk's financial performance is seen from a good liquidity ratio, while from the point of view of solvency it is very good, and in terms of profitability it is quite good. 3) There is a difference in the assessment of the financial performance of PT XL Axiata Tbk and PT Telkom Indonesia Tbk, where PT Telkom Indonesia Tbk is better than PT XL Axiata Tbk. This means that PT Telkom Indonesia Tbk has the ability to pay off short-term obligations and be able to pay off debts that are due on time.
PENERAPAN AKAD IJARAH PADA BISNIS JASA PENYEWAAN ALAT PESTA DALAM PRESPEKTIF EKONOMI ISLAM KECAMATAN TEGALSARI, KABUPATEN BANYUWANGI Rufi’ah
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5197

Abstract

The purpose of this study is to determine the application of the ijarah contract in the party equipment rental service business in Tegalsari Village, Tegalsari District, Banyuwangi Regency. And to find out how the Islamic Economic perspective on the party equipment rental service business. This type of research is a qualitative case study with a single case design. The results of this study indicate that the application of this ijarah is ijarah 'amal, namely the provision of compensation for a job or expertise carried out by someone. The application of the ijarah contract in this business is not in accordance with the ijarah contract in terms of ujrah or costs because it still uses a down payment system at the beginning of the rental period and pays off the costs at the end of the rental period, if the rental of the party equipment is canceled then the down payment will be forfeited. Based on the research conducted, this study concludes that the implementation of the ijarah contract in the party equipment rental business, from an Islamic economic perspective, is appropriate. The ijarah contract, as practiced in the party equipment rental business, complies with Islamic law, with clear terms of work, form, timeframe, and price (ujrah), and the services being rented are considered permissible.
STRATEGI MARKETING DALAM MENINGKATKAN JUMLAH PELANGGAN: STUDI KASUS TOKO AUSATH GROSIR DARUSSALAM Agus Alfan Rosyid
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5200

Abstract

The objectives of this study are: 1) To determine how Toko Ausath Grosir Darussalam’s marketing strategies aim to increase the number of customers, 2) To determine the marketing strategies implemented at Toko Ausath Grosir Darussalam based on a SWOT analysis. In conducting the SWOT analysis, the author created an IFAS Matrix (Internal Factor Analysis Summary) and an EFAS Matrix (External Factor Analysis Summary). The IFAS Matrix was compiled based on the strengths and weaknesses of Toko Ausath Grosir Darussalam, while the EFAS Matrix was compiled based on the opportunities and threats facing Toko Ausath Grosir Darussalam. After determining the values of the IFAS and EFAS matrices, the next step is to assess the company’s position based on these values within the IE (Internal-External) matrix. The research findings indicate that the marketing strategies aimed at increasing customer numbers align with Sharia principles. This is evidenced by the annual revenue growth achieved by Ausath Grosir Store. In conclusion, the marketing strategy to increase the number of customers is in accordance with Sharia, both in concept and practice, by adhering to Sharia principles, which include belief in God, family values, trustworthiness, and conducting halal business.
STRATEGI MARKETING SYARIAH MELALUI MARKETPLACE LAZADA DALAM MENINGKATKAN PENJUALAN: (Studi Kasus Toko Aries Beauty Store Banyuwangi) Lutfiatur Rofi’ah; Sofi Faiqotul Hikmah
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5201

Abstract

The objectives of this study are To determine the Sharia Marketing Strategy at Aries Beauty Store. The data analiys technique used in this study is qualitative or descriptive data analysis.The result of this research is that Aries Beauty Store uses a marketing mix strategy (4p) including Product, Price, Place, and Promotion. In addition, it also uses sharia marketing strategis according to Kertajaya (2006) Rabbaniyah, Akhlaqiyah, Al-waqiiyah, and Al-insaniyah. There is a different in the theory af Al-waqiiyah that in theory there is no differentation, but Aries Beauty Store differentiates according to the target market according to the consumer’s budget. Research conucted in the field shows that store Aries Beauty Store uses the marketing mix theory in its marketing, namely Place, Price, Product, Promotion. For the marketing strategy of Sharia Shop Aries Beauty Store uses Shariah Marketing Strategy according to Kertajaya (2006) namely Rabbaniyah, Akhlaqiyah, Al-waqiiyah and Al-insaniyah. However, Al-waqiiyah has a difference between theory and field, so it can be concluded that the theory according to Kertajaya and the marketing strategy in the field does not match Al-waqiiyah theory.
ANALISIS PENERAPAN AKAD MURABAHAH DAN WAKALAH BIL UJRAH PADA INVESTASI EMAS DIGITAL Milatun Nafiah; Ani Faujiah
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5218

Abstract

Digitalization of gold transactions triggers sharia compliance debates on ribawi commodities. This qualitative library research (2021–2026) aims to analyze the integration of murabahah and wakalah bil ujrah contracts, evaluate taqabudh hukmi fulfillment, and examine the implications of PSAK 102 on digital gold platforms. The results indicate that Murabahah and Wakalah bil Ujrah contracts integrate independently without ta'alluq, provided the platform offers physical withdrawal flexibility from the start. The taqabudh hukmi aspect is fulfilled through digital constructive possession (takhliyah) backed 100% by physical gold in the custodian vault to avoid fictitious sales (bai' ma'dum), weight precision, and a physical withdrawal option. Furthermore, PSAK 102 effectively acts as a sharia filter through real-time full disclosure of cost prices and profit margins. This study recommends refining the application's user interface to ensure user freedom of choice (ikhtiyar) and stresses the need for cross-sectoral regulatory harmonization for regular cyber technology audits.
DAMPAK SISTEM PEMBATASAN KUOTA TERDIFERENSIASI BERBASIS NFC DAN TRANSPARANSI TRANSAKSI TERHADAP PERILAKU KONSUMSI SANTRIWATI DI PP DARUSSALAM PUTRI SELATAN Khafidhotus Sholikhah; Dawimatus Sholihah
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5302

Abstract

This study analyzes the impact of a differentiated spending quota system and transaction history transparency based on NFC technology on female students' consumption behavior at Darussalam Putri Selatan Islamic Boarding School. Using a descriptive qualitative approach with a case study method, data were collected through in-depth interviews with 11 informants, 14 days of participatory observation, and documentation study. The findings reveal that spending quotas effectively reduce impulsive purchasing but trigger "social acrobatics" such as card-borrowing and cross-category reallocation as forms of resistance. Meanwhile, transaction history transparency generates a monitoring effect from parents and encourages students' self-evaluation, gradually transforming external compliance into internal financial awareness. This study concludes that the differentiated NFC-based system serves as a more precise consumption control model, yet still requires financial literacy assistance to ensure the sustainable internalization of the value of simplicity (iqtis?d). Keywords: NFC; female students' consumption behavior; financial discipline
REKONSTRUKSI KONSEP ECONOMIC VALUE OF TIME SEBAGAI ALTERNATIF TIME VALUE OF MONEY DALAM PEMBIAYAAN MURABAHAH Imelda Aisyah; Laily Hidayati Rosyidi
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5206

Abstract

The application of the Time Value of Money (TVM) concept in Murabahah financing within Islamic banking is often considered contradictory to Sharia principles due to the potential for usury (riba). This research aims to reconstruct the Economic Value of Time (EVT) concept as a paradigmatic alternative to TVM for determining Murabahah financing margins in Islamic banking. This study employs a systematic literature review with a descriptive qualitative approach, synthesizing literature that compares TVM and EVT within the context of contemporary fiqh muamalah (2021–2026). The literature review indicates that EVT shifts the basis of margin determination from time-based pricing to productivity-based pricing. The synthesis results demonstrate that the Murabahah margin should be calculated based on economic value-added and the projected velocity of money from the financed real sector, rather than based on time annuities as practiced in conventional credit. This is consistent with the DSN-MUI Fatwa No. 153/2022, which recognizes the "price of time" (hisshotan min al-tsaman) only within the framework of actual effort and real business risk, not merely the passage of time. The reconstruction of EVT encourages Islamic banks to transition from fixed return abstraction toward functional intermediation that actively monitors the performance of the customer's business. This not only strengthens Sharia compliance but also enhances the stability of the real financial sector.
STRATEGI MANAJEMEN RISIKO DAN TRANSPARANSI DALAM OPTIMALISASI PENGELOLAAN WAKAF UANG DIGITAL Ainur Rohmah; Nani Hanifah
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5207

Abstract

Digital cash waqf in Indonesia has great potential but low realization due to a public trust crisis caused by weak risk management and lack of transparency. This study aims to formulate a conceptual model integrating risk management and transparency strategies. Using a Systematic Literature Review (SLR) method based on PRISMA from 2020–2026 journals, five main risks were identified: operational, fund distribution, legal & sharia compliance, financial, and cyber. Mitigation strategies include diversification, cybersecurity, blockchain, regulatory compliance, and contingency planning. Transparency is implemented through three pillars: pre-transaction, transaction, and post-transaction. The integrated model of risk management, transparency, and good governance is key to optimization. The study concludes that optimizing digital cash waqf requires simultaneous integration supported by consistent regulation and improved digital literacy.
IMPLEMENTASI SMART CONTRACT DALAM TRANSAKSI KEUANGAN MIKRO ISLAM: ANALISIS KRITIS ATAS PARADIGMA SHARIAH COMPLIANCE BY DESIGN Rani Anjarwati; Lulud Wijayanti
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 1 (2026): Februari 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i1.5209

Abstract

This research aims to analyze the implementation of smart contracts in Islamic microfinance transactions thru the Shariah Compliance by Design paradigm, as well as to identify the opportunities and challenges of its application in the modern Shariah financial system. The research uses a qualitative method with a normative juridical approach and conceptual analysis. The research results show that blockchain-based smart contracts can enhance the efficiency, transparency, accountability, and security of transactions thru the automation of contracts and real-time data recording. In addition, the Shariah Compliance by Design paradigm serves as a preventive model that integrates Shariah principles from the system design stage, thereby minimizing the risk of Shariah violations. However, its implementation still faces challenges related to the validity of digital ijab kabul, the accommodation of elements of niyyah, ridha, and ijtihad, as well as the limitations of regulations governing the use of such technology. Therefore, synergy between regulators, scholars, Islamic finance practitioners, and technology experts is needed to realize an innovative, safe, and sustainable Islamic microfinance system. Keywords: Smart Contract, Design, and Shariah Compliance

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