cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Sofi Faiqotul Hikmah
Contact Email
sofiefaiqotul@gmail.com
Phone
+6281246551911
Journal Mail Official
jesdar_bwi20@iaida.ac.id
Editorial Address
Dusun Tegalsari Lor, RT 20 RW 04 Desa Purwoasri Kecamatan Tegaldlimo Kabupaten Banyuwangi
Location
Kab. banyuwangi,
Jawa timur
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
 9   10   11   12   13 
ANALISIS POTENSI EKONOMI DAN RELEVANSI SYARIAH DALAM BISNIS LAHAN MAKAM PREMIUM Nurul Kharisma; Niswatun Hasanah
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.v7i1.5211

Abstract

This study aims to analyze the compliance of Al-Azhar Memorial Garden's business practices in light of the MUI Fatwa Number 09 of 2014 concerning the Purchase and Sale of Graveyards, as well as its implications for socio-economic distributive justice. The research method employed is descriptive qualitative with a juridical-normative approach and an Islamic socio-economic approach. Data were collected through the documentation study of fatwa texts, waqf regulations, and publication data regarding the management of the research object. The results indicate that in terms of physical worship, Al-Azhar Memorial Garden has strived to comply with sharia provisions and the MUI Fatwa by maintaining the simplicity of the grave structure (grass lawns without grand monuments). However, from the perspective of muamalah and distributive justice, this high-tariff commercialization scheme potentially violates the principle of Hifzh al-Mal due to its proximity to israf (extravagance) and creates spatial exclusivity amidst the urban land emergency. This study recommends the optimization of productive waqf instruments as a cross-subsidy solution to achieve more inclusive and socially just burial access. Keywords: Cemetery Commercialization, MUI Fatwa, Maqashid Shariah
DISTRIBUSI ZAKAT PRODUKTIF DALAM PERSPEKTIF MAQASHID SYARIAH KONTEMPORER: TINJAUAN PUSTAKA TENTANG EFEKTIVITAS PENGENTASAN KEMISKINAN Kamilatus Saidiyah; Mansur Mansur
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.v7i1.5231

Abstract

This study aims to analyze the effectiveness of productive zakat distribution from the perspective of contemporary maqashid al-sharia through a literature review. The study employs a qualitative approach using library research and content analysis. The results show that the distribution of productive zakat contributes to increased income, the strengthening of microenterprises, and greater economic self-reliance among mustahik. However, the program’s effectiveness is significantly influenced by the quality of mentoring, business management capacity, the professionalism of zakat administrators, and a sustainable monitoring and evaluation system. From the perspective of contemporary maqashid al-sharia, productive zakat not only supports the preservation of the five fundamental objectives of sharia (maqashid al-sharia) but also realizes maslahah ‘ammah through improved welfare, social justice, and the transformation of mustahik into self-reliant individuals who may even become muzakki. This study concludes that the distribution of productive zakat will be more optimal if managed professionally through a business-cluster-based empowerment model, and evaluated using maqashid al-sharia-based indicators to ensure the achievement of poverty. Keywords: Productive zakat, Maqashid sharia, Poverty alleviation, Literature review.
MEMAHAMI PRODUK PEMBIAYAAN LEMBAGA KEUANGAN SYARIAH BERBASIS JUAL BELI ISTISHNA’ Moh Rifky Mubarok; Moh. Karim
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.v7i1.5233

Abstract

With the rapid advancements in technology facilitating transactions, people have gained numerous conveniences in their shopping experiences. One prominent example is online retail, commonly referred to as e-commerce. As a result, the community frequently utilizes platforms like Shopee, Tokopedia, Lazada, Bibli, and Bukalapak for buying and selling activities. Online commerce entails a transaction process where the buyer places an order and makes a payment either beforehand, during, or afterward within a specified timeframe, all made possible by technological advancements. Additionally, specific contracts, such as istisna contracts, are utilized in carrying out these transactions. The aim of this research is to explore in greater detail the use of istisna contracts in online purchasing. This paper employs a qualitative method with a descriptive approach. The analysis method used is content analysis, concentrating more deeply on the acquired information. The findings reveal that Islamic transactions involving istisna contracts, the basis of Shari'ah, parallel istisna, and how these transactions are structured. Keywords: Istishna, Islamic Financing, Financial Institutions
ANALISIS KESESUAIAN AKAD HIWALAH DALAM PRAKTIK PEMBIAYAAN LEMBAGA KEUANGAN SYARIAH Nurul Ainiah; Moh. Karim
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.v7i1.5247

Abstract

The hiwalah contract has an important role in the sharia financial system. The development of sharia financial institutions in Indonesia makes hiwalah contracts increasingly relevant to study, considering that the need for transaction systems that are efficient and in accordance with sharia principles continues to increase. The issues in this article include the meaning of hiwalah, its legal basis in Islam, the pillars and conditions that must be met, the implementation scheme, and its application in sharia financial institutions. This research aims to analyze the concept of the hiwalah contract comprehensively from both theoretical and practical aspects. The method used is normative legal research with a literature study approach through various relevant books and scientific articles in the last ten years. The results of the study show that the hiwalah contract has a strong legal basis in the Al-Qur'an, Hadith, and Ijma' Ulama, and can be implemented in modern sharia banking practices as an instrument for transferring legal obligations. Thus, a good understanding of the hiwalah contract is important in supporting the effectiveness of transactions and maintaining compliance with sharia principles in the financial system. Kata Kunci: Profit Sharing, Hiwalah Agreements, Muamalah Fiqh
ANALISIS KINERJA KEUANGAN PT. BANK SYARIAH INDONESIA (PERSERO) TBK PERIODE 2021-2025 Sendy Prayogi; Muhammad Kambali
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.v6i2.5261

Abstract

This study aims to evaluate the fundamental resilience and operational performance of Bank Syariah Indonesia (BSI) post-merger during the 2021–2025 period. The approach used is descriptive quantitative by applying horizontal trend analysis and the Risk-Based Bank Rating (RBBR) assessment system to the bank's key financial ratio components. The findings of this study indicate that this efficiency has significantly boosted profitability in 2025, as indicated by the ROA achievement of 2.65% and ROE of 18.05%. A very high CAR ratio (27.12%) triggers the opportunity cost of idle capital, while the dominance of murabahah contracts (56–60%). However, there are performance contradictions in the form of overly defensive capital management, the dominance of fixed-margin financing (murabahah), and a governance gap indicated by the stagnation of the Good Corporate Governance (GCG) rating. The implications suggest that BSI Management should immediately shift to an "Expansive Efficiency" strategy by optimizing profit-sharing financing (mudharabah and musyarakah) and comprehensively improving internal governance to achieve a high level of bank health. Keywords: Financial Performance, BSI
PERAN FINTECH SYARIAH DALAM PEMBERDAYAAN UMKM DI DESA TUGUMULYO Jesnita Fitri Novalia; Saiful Bakhri
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.v6i2.5293

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in Tugumulyo Village play a strategic role in driving local economic dynamics. However, their development remains constrained by limited access to business capital, low financial management capacity, and minimal utilization of digital technology in business operations. The emergence of Islamic financial technology (Islamic fintech) offers an alternative solution aligned with the principles of Islamic economics, through the provision of inclusive, transparent, and sharia-compliant financial services. This study aims to analyze the role of Islamic fintech in empowering MSMEs in Tugumulyo Village, particularly in terms of financing access, operational efficiency, and market expansion. A quantitative approach with a survey method was employed, targeting MSME actors who have utilized Islamic fintech services. The findings indicate that Islamic fintech significantly contributes to improving financing accessibility for MSMEs, facilitating digital financial transactions, and supporting more structured cash flow management. On the other hand, the extent of Islamic fintech utilization remains varied and uneven, influenced by differences in Islamic financial literacy levels, digital infrastructure readiness, and the adaptive capacity of business actors toward technological innovation. Therefore, strengthening a collaborative digital ecosystem among the government, Islamic fintech service providers, and MSME actors is essential to enhance competitiveness and business sustainability at the village level. This study recommends the need for enhanced Islamic financial education and the development of digital infrastructure to accelerate technology-based MSME transformation in rural areas. Keywords: Islamic fintech, MSME empowerment, financing access, Islamic financial literacy, digital transformation
PENGARUH DISIPLIN KERJA DAN PROFESIONALISME KARYAWAN TERHADAP KINERJA KARYAWAN DI BMT UGT SIDOGIRI CABANG BANYUWANGI SELATAN Yuyun Purnama Sari; Eko Budiywono
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.v6i2.5316

Abstract

This type of research is quantitative descriptive. The hypothesis proposed is that there is a positive and significant influence between Work Discipline (X1) and Employee Professionalism (X2) on Employee Performance (Y) both simultaneously and partially. This research was conducted on BMT UGT Sidogiri South Banyuwangi Branch employees, 30 respondents. The sampling technique used is proportionate stratified random sampling technique. The independent variables in this study are Work Discipline (X1) and Employee Professionalism (X2), while the dependent variable is Employee Performance (Y). The data analysis method in this study uses the technique of Multiple Linear Regression Analysis. The results of this study indicate that the variable work discipline has a positive and significant effect on employee performance. The professionalism variable has a positive and significant effect on employee performance. Variable work discipline and professionalism of employees together have a positive and significant effect on employee performance that is equal to 67.8% while the remaining 32.2% is influenced by other variables outside this study.
ANALISIS KINERJA KEUANGAN BANK SYARIAH DALAM PENERAPAN PRINSIP-PRINSIP SYARIAH Yasmin Safa Annisa
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.v7i1.5359

Abstract

This study aims to analyze the financial performance of Islamic banks in implementing Sharia principles in Indonesia. The study employed a descriptive qualitative method using a literature review approach. The data were obtained from Islamic bank annual reports, Financial Services Authority (OJK) statistics, regulations, fatwas issued by the National Sharia Council–Indonesian Ulema Council, and relevant scientific journals. The findings show that Islamic banking experienced positive growth during the 2021–2023 period, as indicated by increases in total assets, third-party funds, financing distribution, and profitability ratios, namely Return on Assets (ROA) and Return on Equity (ROE). Liquidity, measured by the Financing to Deposit Ratio (FDR), remained in a healthy category, while the Capital Adequacy Ratio (CAR) indicated strong capital conditions. The implementation of Sharia principles, including the prohibition of riba, gharar, and maysir, as well as the values of justice, transparency, and prudence, does not hinder the financial performance of Islamic banks. Instead, Sharia compliance can increase public trust, maintain financial stability, and support the sustainable growth of Islamic banking. Keywords: Financial Performance, Islamic Banks, Profitability, Liquidity
ANALISIS PENERAPAN AKAD MUDHARABAH PADA MASA KRISIS: STUDI KASUS PADA KJKS BMT UGT SIDOGIRI KECAMATAN GENTENG BANYUWANGI Izza Aulia Yusvita Sari; Lucky Al Hafzy
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.v6i2.5361

Abstract

This study aims to analyze the implementation mechanism of the mudharabah contract in microfinancing at KJKS BMT UGT Sidogiri, Genteng Branch, Banyuwangi during an economic crisis, identify the obstacles faced by both management and customers (mudharib). The method used is a descriptive qualitative approach with a case study design. The results show that amid the crisis, BMT Branch consistently maintained sharia principles through a profit-sharing system utilizing the revenue sharing method in accordance with DSN-MUI Fatwa No. 15/DSN-MUI/IX/2000. Despite facing an increased risk of default due to a decline in customers' turnover, the BMT implemented humane and riba-free financing rescue strategies, including business assistance, regular monitoring, and payment relaxation through restructuring and rescheduling policies decided through mutual consultation. The main obstacles identified include the difficulty of predicting business profits, weak financial reporting from customers, and the risk of moral hazard. Overall, mudharabah financing has proven to possess strong flexibility and resilience as an instrument for community economic empowerment in times of uncertainty. Keywords: Mudharabah, Crisis Period, BMT UGT Sidogiri
ANALISIS PERKEMBANGAN SEKTOR INDUSTRI TERHADAP PEREKONOMIAN INDONESIA Nadia Dwi Agustin; Syifa Nia Agustin; Gustina Masitoh
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.v7i1.5385

Abstract

This study aims to analyze the development of the industrial sector and its contribution to the Indonesian economy. In addition, this research examines the factors influencing the development of the industrial sector and its impact on economic growth. The industrial sector plays a strategic role in driving economic growth through value creation, increased productivity, and employment generation. This study employs a qualitative approach using descriptive analysis based on secondary data from various official sources. The results show that the industrial sector in Indonesia has experienced significant development in recent years and has made a substantial contribution to the national economy. This development is influenced by several factors, including the quality of human resources, technological advancement, and government policies. Furthermore, the industrial sector has a positive impact on economic growth by increasing public income and overall economic activity. Therefore, appropriate strategies are needed to enhance the competitiveness of the industrial sector in order to support sustainable economic growth. Keywords:Industrial Sector, Economic Growth, Economic Contribution, Industrial Development

Page 12 of 13 | Total Record : 122

 9   10   11   12   13 

Filter by Year

2020 2026


Reset
Filter By Issues
All Issue Vol. 7 No. 1 (2026): Februari 2026 Vol. 6 No. 2 (2025): Agustus 2025 Vol. 6 No. 1 (2025): Februari 2025 Vol. 6 No. 1 (2025): Feruari 2025 Vol. 5 No. 2 (2024): Agustus 2024 Vol. 5 No. 1 (2024): Februari 2024 Vol. 4 No. 2 (2023): Agustus 2023 Vol. 4 No. 1 (2023): Februari 2023 Vol. 3 No. 2 (2022): Agustus 2022 Vol. 3 No. 1 (2022): Februari 2022 Vol. 2 No. 2 (2021): Agustus 2021 Vol. 2 No. 1 (2021): Februari 2021 Vol. 1 No. 1 (2020): Agustus 2020 More Issue