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Tujjar International Journal of Islamic Economics Development
Published by Universitas Muhammadiyah Pontianak
ISSN : -     EISSN : 30642922     DOI : 10.29406
Core Subject : Religion, Humanities,
Religion Humanities
Tujjar International Journal of Islamic Economic Development is a peer-reviewed economic journal that serves as a discussion forum for academics, researchers, practitioners, and scholars of Islamic business economics in the disciplines of Islamic banking, finance, entrepreneurship, human resources management, and management. Original research papers and reviews are published twice a year (in December and June) in this open access journal. This journal encompasses original research articles including, but not limited to: Islamic Business and Entrepreneurship Islamic Banking and Financial industry Islamic Business Management Islamic Business Ethics Islamic Development Economics Islamic Human Resources Management Islamic Monetary Economics Islamic Urban and Rural Economics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 25 Documents
 1   2   3 
REVIEW OF SHARIA ECONOMIC LAW ON THE POSITION OF COINS OBTAINED IN THE SNACK VIDEO APPLICATION (STUDY OF STUDENTS IN PONTIANAK CITY) tanassy, rika putri
Tujjar International Journal of Islamic Economics Development Vol 2 No 1 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i1.7948

Abstract

With a mission feature that earns coins that can be converted into money, the video snack program offers a variety of information through films. The application has a wide range of missions, such as watching videos, inviting friends, and liking and following other users. The Snack Video application was developed as a platform for offering different items, and it offers advantages to its consumers. The majority of the material in the snack video application may be utilized as a platform to sell different kinds of items in addition to being used for enjoyment. The Snack Video app is being widely used by companies as an efficient short video platform for product promotion. Coins are awarded to users who complete missions, but some users feel that this is unfair to them and that they should not receive their rights. This makes it necessary to investigate the user's rights to coins that he was not able to obtain. The purpose of this study is to investigate how the position of coins retrieved from the video snack application relates to the review of sharia economic law. This study employs a qualitative methodology combined with a qualitative descriptive method. Two religious leaders and twenty informants (students) in Pontianak City were interviewed as part of the data-gathering methodology, with information gathered through documentation and interviews. The findings indicated that eight informants were unfamiliar with the word "gharar," four were unfamiliar with the law governing coin exchange operations, thirteen had viewed positive content, and seven had had bad content pass by on their homepage.
CANVAS BUSINESS MODEL USAGE TO INCREASE THE INCOME AND WELL BEING OF FAMILY IN THE KAPUAS RIVER COASTAL Asma, Nurlia
Tujjar International Journal of Islamic Economics Development Vol 2 No 1 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i1.7949

Abstract

This study aims to determine whether the existence of a caping crafts business model canvas in Mendawai Village can support the well-being of the people of Mendawai Village. This research method uses a descriptive qualitative research method approach, which is a data collection technique that includes observation, interviews, and documentation to obtain information related to the management of the Business Model Canvas of caping crafts in Mendawai Village. The results showed that the Business Model Canvas, as a whole, was working well and was able to support the welfare of the bonnet craftsmen in Mendawai village. From the business activities carried out, the artisans feel that the results obtained are very sufficient to support their daily needs. Most of them can make a good living from selling Tudung handicrafts.
THE INFLUENCE OF LITERACY AND SERVICE QUALITY ON THE DECISION TO BECOME A SYARIAH STOCK INVESTOR AT MNC SECURITIES PONTIANAK Manik, Ulina Maharani
Tujjar International Journal of Islamic Economics Development Vol 2 No 1 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i1.7950

Abstract

As a country with a majority Muslim population, Indonesia has great potential to advance Islamic economic activities including investing in the Sharia Capital Market. The presence of a Sharia-compliant financial market facilitates efficient resource mobilization and maximizes fund allocation, thereby increasing the role of financial intermediary institutions in investment activities. The purpose of this study is to determine the effect of literacy and service quality on the decision to become a Sharia Stock investor at MNC Sekuritas Pontianak. This study uses a quantitative approach using a method through a questionnaire technique to obtain primary data. Then the data is processed using Smart Partial Least Squares (PLS) software with 100 research samples. This study was conducted at MNC Securities KC. Pontianak, which is located at the Pontianak Mall Ruko Complex, Block C, No. 26, Jl. Teuku Umar, Darat Sekip, Pontianak, West Kalimantan, 78243. The results of the study show that the P Values of the Literacy variable is 0.000
THE INFLUENCE OF DIGITAL LITERACY AND KNOWLEDGE OF FIQH MUAMALAH ON THE DESIRE TO BE A DROPSHIPPER IN BUYING AND SELLING PRACTICES ON E-COMMERCE PLATFORMS Widiarni, Anis; Anshori, Aiyub; Susanto, Dedy
Tujjar International Journal of Islamic Economics Development Vol 2 No 1 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i1.7951

Abstract

E-commerce and digital marketing-based businesses have become a routine for entrepreneurs to run their businesses, which involve buying and selling systems and transactions online through the use of e-commerce platforms. In utilizing the e-commerce platform, which can foster the community for entrepreneurship, it is necessary to conduct research to analyze the effect of digital literacy and religious knowledge on the dropshipper's desire to practice buying and selling on the e-commerce platform. This study uses a quantitative method, which is a process to find the results of knowledge in the form of data. as a medium for analyzing information regarding what is sought in this study. By means of collection techniques and data collection tools sourced from the population (dropshipper) in the city of Pontianak, through an online form filled in by a questionnaire, the population being an indicator sample of 30 people. Which will later be collected and analyzed based on predetermined methods to determine the contents of the problem formulation in this study. Based on the results of the study, it can be seen that the T Statistic value of the effect of Digital literacy on the desire to become a dropshipper is 0.957, so the T statistic is 0.05. It can be seen that Ha: the influence of digital literacy has no significant effect on the desire to become a dropshipper. Based on the research results, it is known that the T statistic value of muamalah fiqh knowledge on the desire to become a dropshipper is 3.787, so the T statistic > 1.96. The P value is 0.000, so the P value < 0.05. It can be seen that Ho: muamalah fiqh knowledge has a significant effect. on the desire to become a dropshipper. The effect of digital literacy has no significant effect, which means that respondents who are running a business with a dropshipper system assume that the effect of digital literacy has no effect on buying and selling practices on the commerce platform, and muamalah fiqh knowledge is very influential, which means that respondents who are running a business with a dropshipper system assume that muamalah fiqh knowledge is very influential on buying and selling practices on the e-commerce platform.
Perceived Benefits and Understanding of Artificial Intelligence (AI) Among Vocational University Students Nabila, Salma Reza; Oktavianda, Melti; Fitriani, Nurul
Tujjar International Journal of Islamic Economics Development Vol 2 No 1 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i1.7544

Abstract

This study explores the understanding, perceptions, and expectations of vocational university students regarding Artificial Intelligence (AI), with a focus on its potential impact on education. As AI becomes increasingly integrated into various sectors, assessing students' preparedness for an AI-driven workforce is crucial. Using a mixed-methods approach, the research surveyed students from different disciplines, examining their knowledge of AI, its applications in education, and their attitudes toward its future development. The findings reveal that while students recognize AI's potential to enhance learning and efficiency, their awareness of its ethical implications and broader societal impacts remains limited. Most students expressed a strong interest in further exploring AI's evolving applications. The study suggests that vocational education AI literacy programs should encompass technical skills and ethical considerations to better prepare students for the challenges of an AI-powered future. This research underscores the importance of fostering a balanced understanding of AI, combining technological proficiency with ethical awareness to ensure responsible engagement with AI in the future workforce.
Strategies of Small Traders Facing Modern Minimarkets In Pontianak City Khosiati, Risky; Syafira, Eka
Tujjar International Journal of Islamic Economics Development Vol 2 No 2 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i2.8316

Abstract

The purpose of this study is to identify the strategies used by small traders when competing with contemporary minimarkets in Pontianak City. This study uses a descriptive qualitative approach by collecting data through observation, documentation, and in-depth interviews with 10 small traders who have been operating for at least 3 years. The results of the study show that the presence of minimarkets has different effects on small traders. Grocery traders have experienced a 30-40% decline in turnover, while fresh produce traders have remained stable. Small traders have strong social relationships, personalized service, and transaction flexibility that modern minimarkets cannot match. The long-term survival strategies implemented include payment flexibility, personalized service, and the use of simple technology such as WhatsApp.
DIGITAL DENTAL INNOVATION AND ECONOMIC EFFICIENCY: EVIDENCE FROM INTRAORAL SCANNERS AND 3D PRINTING Al Naggar, Hesham Saleem; Nurlia, Nurlia; Al Haddad, Abdurrahman Jameel
Tujjar International Journal of Islamic Economics Development Vol 2 No 2 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i2.8373

Abstract

This study explores the economic implications of adopting digital dental technologies, particularly intraoral scanners and 3D printing, in enhancing cost efficiency and productivity within dental practices. The research addresses the central problem of understanding how digital innovation in dentistry contributes to broader macroeconomic efficiency and value creation in the healthcare sector. Guided by the Digital Dental Economic Model (DDEM), this paper employs a conceptual and analytical macroeconomic approach that integrates theories of endogenous growth, cost-efficiency analysis, and value chain transformation to assess the long-term economic effects of digitalization in dental services. The findings reveal that digital adoption significantly improves operational efficiency by reducing variable costs, minimizing manual errors, and increasing treatment throughput. These micro-level gains transmit into macroeconomic productivity growth, consistent with the Solow model of technological progress. However, the study also identifies asymmetric adoption patterns and labor substitution effects, particularly affecting small clinics and dental technicians, indicating the need for targeted innovation policies and re-skilling programs. Furthermore, the digital transformation of dentistry reshapes its value chain, generating new forms of interconnected economic relationships but raising ethical and data governance concerns. The analysis concludes that digital dental technologies serve as a dual catalyst for economic efficiency and structural change within healthcare systems. To sustain this transformation, policymakers should prioritize inclusive innovation, financial accessibility, and ethical digital governance. Future research should employ empirical modeling and cross-country comparative analyses to quantify digital adoption’s macroeconomic impact and evaluate policy responsiveness across healthcare economies.
Public Support Dynamics Toward the Discourse of Muhammadiyah Islamic Bank Establishment in West Kalimantan Nurfadzri, Muhammad; Anwari, Muhammad Khairul; Anshori, Aiyub
Tujjar International Journal of Islamic Economics Development Vol 2 No 2 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i2.8415

Abstract

This study aims to examine the internal and external perceptions of the Muslim community in West Kalimantan regarding the discourse on establishing Bank Syariah Muhammadiyah. The research is motivated by extensive discussions surrounding Muhammadiyah’s plan to establish a bank, considering the organization’s significant economic potential and its existing financial ecosystem. A descriptive quantitative approach was employed, utilizing a survey method through questionnaires, and data analysis was conducted using SmartPLS. The study population comprised Muslims in West Kalimantan, with a sample of 75 respondents selected through purposive sampling. The analysis included outer model testing (construct validity and reliability) and inner model testing to assess the influence of each independent variable on the dependent variable. The findings reveal that internal perceptions have a positive and significant effect on the intention to support the establishment of Bank Syariah Muhammadiyah (β = 0.535; f² = 0.442, large effect size). External perceptions also show a positive and significant influence (β = 0.308; f² = 0.146, medium effect size). The coefficient of determination (R² = 0.572) indicates that 57.2% of the variance in the discourse on bank establishment is explained by these two perception variables.
Accessibility of Islamic Financial Services for People Living with Disabilities (PLWDs) Shehu, Farida Mohammed; Idris, Adamu Adamu; Atah, Ummi Ibrahim; Abba, Safiyya Abubakar
Tujjar International Journal of Islamic Economics Development Vol 2 No 2 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i2.8427

Abstract

This paper explores the accessibility of Islamic financial services for People Living with Disabilities (PLWDs), a critically underserved group in financial inclusion discourse. Despite Islamic finance’s inherent principles of equity, compassion, and social justice, institutional practices often overlook the specific needs of PLWDs. The study addresses a key gap in both Islamic finance and disability rights literature by examining how inclusive or exclusive current financial systems are for this demographic. Employing a broad literature review methodology, the paper synthesizes recent academic research, regulatory frameworks, and real-world practices from countries such as Saudi Arabia, Pakistan, Malaysia, Jordan, Nigeria, and Ghana. Key findings reveal persistent barriers across physical infrastructure, digital interfaces, institutional attitudes, and financial literacy. However, promising models such as SAMA’s accessibility guidelines, Braille and voice-enabled banking in Pakistan and Jordan, and co-designed fintech platforms in Kenya and Mexico, demonstrate scalable best practices. The paper underscores the need for Islamic financial institutions to go beyond compliance and actively embrace universal design, inclusive product development, and collaborative policymaking with disability rights stakeholders. The study concludes with a call to action for regulators, Shariah boards, and Islamic financial service providers to institutionalize accessibility within core operations. Doing so aligns with both global disability inclusion goals and the Islamic ethical mandate to serve marginalized communities with dignity and equity.
ARTIKEL MORAL RESPONSIBILITY OF FOODIE INFLUENCERS IN DELIVERING FOOD REVIEWS IN PONTIANAK Olivia, Nesha; Putri, Feby Nadia; Azzahra, Nazwa
Tujjar International Journal of Islamic Economics Development Vol 2 No 2 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i2.8602

Abstract

This study explores the moral responsibility of food influencers in delivering culinary reviews through social media, with a focus on practices in Pontianak City. In the digital era, marketing strategies have shifted significantly toward social media platforms where influencers play a crucial role in shaping product image and influencing public perception. As third-party promoters, food influencers possess considerable power in consumer decision-making. Thus, it is essential to assess the extent to which they convey information honestly, objectively, and responsibly. This research uses a descriptive qualitative approach through semi-structured interviews with two local influencers (@budakkuliner.id and @jajann.cuyy) and ten followers who had tried foods based on their recommendations. The results reveal that influencers tend to deliver neutral and polite reviews as a form of appreciation toward business owners, while still embedding honest feedback. Meanwhile, followers expect more transparent and detailed information regarding taste, portion, and pricing. These findings highlight the gap between influencer communication style and audience expectations, underscoring the need for balance between honesty, ethical communication, and social responsibility.

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