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SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Published by Sekolah Tinggi Ekonomi Islam Kanjeng Sepuh Gresik Jawa Timur
ISSN : -     EISSN : 27235289     DOI : https://doi.org/10.59636/saujana.v4i01.60
Core Subject : Religion, Economy, Humanities, Education, Social,
Religion Humanities Economics, Econometrics & Finance Education Social Sciences
The Saujana Journal is a journal that contains articles in the form of research results from Islamic Banking and Islamic Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 113 Documents
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Memahami Akad Al-Ijarah: Konsep, Jenis, dan Implementasinya dalam Perbankan Syariah Ali Amin, Irsyad; Tohari, Toto; Anggraini, Amelia
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 1 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i1.464

Abstract

Dalam sistem ekonomi Islam, al-Ijarah merupakan akad yang memiliki peranan sentral, terutama dalam transaksi penyewaan barang dan jasa. Keberadaan akad ini menjadi semakin penting dalam berbagai kegiatan usaha, termasuk dalam inovasi produk yang ditawarkan oleh institusi perbankan syariah. Tujuan penelitian ini adalah untuk mengkaji secara komprehensif konsep dasar al-ijarah, klasifikasinya, serta bagaimana akad tersebut diimplementasikan dalam praktik perbankan syariah modern. Menggunakan pendekatan analisis deskriptif, penelitian ini menguraikan pengertian al-ijarah, landasan yuridisnya, unsur-unsur penting yang membentuk akad tersebut, serta variasi ijarah seperti ijarah murni dan ijarah muntahiyah bit tamlik (IMBT). Selain itu, penelitian ini meninjau penerapan al-ijarah dalam berbagai produk perbankan syariah, mulai dari mekanisme penetapan sewa, strategi mitigasi risiko, hingga prosedur penyelesaian akad. Hasil penelitian mengindikasikan bahwa al-ijarah memiliki tingkat fleksibilitas yang tinggi dan mampu berfungsi sebagai instrumen pembiayaan syariah yang efektif dalam memenuhi kebutuhan masyarakat. Temuan ini diharapkan dapat memberikan kontribusi bagi para akademisi dan praktisi yang bergerak dalam sektor keuangan syariah.
Pengaruh Gaya Hidup, FOMO, Media Sosial Tiktok terhadap Perilaku Konsumtif dalam Perspektif Ekonomi Syariah Reani Futri, Eliza; Mursalin, Supardi; Arisandi, Debby
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 2 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i2.466

Abstract

This study aims to determine the influence of lifestyle, FOMO, and TikTok social media on consumer behavior from a Sharia Economic Perspective. The type of research used is quantitative research. The population of this study is active students of UINFAS Bengkulu, involving a sample size of 890 students from the class of 2021 and 2022, with a sample of 91 respondents. Data analysis includes validity tests, reliability tests, classical assumption tests, and hypothesis tests through multiple linear regression, F tests, t tests, and coefficients of determination to see the relationship between research variables. The type of research used is quantitative research. The results of the study indicate that 1) there is an influence of lifestyle on consumer behavior, meaning that the higher a person's lifestyle, the tendency to behave in a consumer manner also increases; 2) there is an influence of FOMO on consumer behavior, meaning that the fear of being left behind makes individuals more likely to buy without consideration; 3) there is an influence of TikTok social media on consumer behavior, meaning that the content displayed can influence users' purchasing decisions; and 4) there is a simultaneous influence of lifestyle, FOMO, and TikTok social media on consumer behavior, meaning that the three variables together strengthen consumer tendencies in individuals.
Tinjauan Ekonomi Syariah terhadap Risiko Riba dalam Skema Investasi Emas Mawardi, Imam; Istianah, Dila
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 2 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i2.471

Abstract

This study aims to analyze the level of compliance with sharia economic principles and evaluate the potential risk of usury (riba) in gold investment schemes at Pegadaian Syariah (Islamic Pawnshop). Gold investment is a popular financial instrument due to its characteristics as a hedge against inflation. However, from a fiqh muamalah perspective, gold transactions fall into the category of usurious goods, requiring the fulfillment of specific provisions to avoid usury practices. This study uses a qualitative approach with a case study method, as well as a normative analysis of operational practices, types of contracts applied, and transaction mechanisms for gold savings and gold installment products. The results show that gold investment practices at Pegadaian Syariah generally comply with sharia principles through the implementation of murabahah, rahn, and wadiah contracts, as well as supervision by the Sharia Supervisory Board. However, potential risks of usury (riba) can still arise in aspects of administrative costs, late payment penalties, and customer understanding of the concept of sharia-compliant gold ownership. This study emphasizes the importance of strengthening sharia financial literacy and information transparency to ensure gold investment practices remain consistent with the objectives of maqashid sharia.

Page 12 of 12 | Total Record : 113

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