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Ana Billah
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anabillah.rahman@gmail.com
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Jalan Mahakam No. 1, Kedopok, Kota Probolinggo
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JSE: Jurnal Sharia Economica
Published by Sekolah Tinggi Agama Islam Muhammadiyah Probolinggo
ISSN : 28285514     EISSN : 28284585     DOI : https://doi.org/10.46773/jse
Core Subject : Economy,
Economics, Econometrics & Finance
JSE: Jurnal Sharia Economica(E-ISSN : 2828-4585)|(P-ISSN: 2828-5514) is a journal publishes a scientific papers on the results of the study or research and review of the literature in the scope and focus of Islamic Economics. Editor accepts the article has not been published in other media with the writing format as listed on page manuscript writing guidelines. This journal was established in 2022 and published two times a year, on January and July. The purpose of this journal is for the publication of scientific articles covering studies within the scope of Islamic Economics, such as: 1. Philosophy of Islamic Economics; 2. Islamic Economic Thought; 3. Islamic Economics and Contemporary Issues; 4. Contemporary issues in Islamic Financial Institutions; 5. Islamic Management; 6. Islamic Accounting; 7. Legal Aspects in Islamic Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 23 Documents
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Search results for , issue "Vol. 4 No. 4 (2025): Oktober" : 23 Documents clear
PENGARUH DISKON DAN KEMUDAHAN LAYANAN TERHADAP KEPUTUSAN PEMBELIAN DI APLIKASI GOFOOD PADA GENERASI Z DI KOTA PAYAKUMBUH DALAM PERSPEKTIF EKONOMI ISLAM Nofiana, Nisa; Muhammad Rais; Awaluddin; Faisal Hidayat
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2606

Abstract

This paper aims to examine the influence of discounts and ease of service on purchasing decisions through the GoFood application among Generation Z in Payakumbuh City, from an Islamic economic perspective. The writing population includes all GoFood users from the Gen Z group in the area. The approach applied is quantitative, and 100 respondents were given a questionnaire to fill out to collect data. The data that has been collected is then analyzed using the multiple linear regression method processed through SPSS version 21. To ensure the regression findings are valid, unbiased, and consistent, a classical assumption test was conducted before the regression analysis. The findings of the writing show that both partially and simultaneously, discounts and ease of service show a positive and significant influence on purchasing decisions. In an Islamic economic perspective, discount practices and services that make it easier for consumers as long as they do not contain elements of gharar, maysir, and usury, are considered to be in accordance with sharia principles, because they prioritize the benefit and fairness in transactions.
ANALISIS PEMAHAMAN DAN IMPLEMENTASI ETIKA BISNIS ISLAM DI KALANGAN PEDAGANG KECIL DAN MENENGAH Mardiyansyah, Ferdi; Hidayat, Faisal; Febrian, Andis; Rais, Muhammad
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2615

Abstract

Traders at the Padang Baru traditional market, were found to be conducting trading activities that deviated from the principles of Islamic business ethics.This study aims to determine the understanding and implementation of Islamic business ethics among small and medium traders in the traditional market of Padang Baru, Lubuk Basung District, Agam Regency. This research is field research with a qualitative. The data sources for this study are primary and secondary data. The data analysis technique uses the Miles and Hubberman model, which consists of three methods, namely data collection, reduction, and verification. The results of the study show that small and medium-sized traders in the traditional market of Padang Baru, do not know Islamic business ethics in theory. In practice, most traders in the Padang Baru traditional market do not deviate from Islamic law in their trading activities. However, there are still traders who engage in practices that are not in accordance with the principles of Islamic business ethics. For example, there is a lack of transparency towards buyers, and buyers are prioritized over prayer times. This shows the importance of Islamic business ethics knowledge in raising awareness of trading practices that are in line with sharia values.
Analisis Dampak Daging Sapi Impor terhadap Keberlangsungan Usaha Pedagang Lokal Pasar Ibuh Menurut Ekonomi Islam Divo; Awaluddin; M Imamuddin; Muhammad Rais
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2622

Abstract

This study aims to analyze the impact of the availability of imported beef on sales and business continuity of local traders in Ibuh traditional market, Payakumbuh City, as well as evaluate the price competition from the point of view of Islamic economics. The method used in this study is descriptive qualitative approach, with data collection through interviews with 10 informants, field observation, and literature studies. The findings showed that the availability of imported beef resulted in a decrease in sales of local traders by 34.4%. The main factors driving this are lower prices for imported meat, longer shelf life and wider distribution. Local merchants responded with adaptive strategies, such as improving services and providing discounts.In addition, in the perspective of Islamic economics according to Ibn Taymiyah, this condition is contrary to the principle of justice that requires prices to be formed fairly without exploitation. This inequality requires government intervention through the role of hisbah, such as subsidizing local meat prices or restricting imports,protecting small traders and creating fair market competition.
IMPLEMENTASI PRINSIP EKONOMI ISLAM DALAM PERILAKU PEDAGANG KULINER DI PASAR KULINER KOTA PADANG PANJANG Evina Aura Exa Putri; Yefri Joni; Ali Rahman; Rahmi
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2635

Abstract

Many culinary traders in Padang Panjang Culinary Market pay little attention to blessings in their production, provide inadequate service to consumers, and lack understanding of the importance of halal certification. The main problem in this study is how the implementation of Islamic economic principles in the behavior of culinary traders in Padang Panjang Culinary Market. This study aims to analyze the implementation of Islamic economic principles in the behavior of culinary traders in the food and beverage sector in Padang Panjang City, especially in the culinary market. This study uses a descriptive qualitative approach that produces descriptive data and utilizes a theoretical basis so that the focus of the research is in accordance with field facts with data collection techniques through interviews, observations, and documentation. The results of the study indicate that most culinary traders have not fully implemented Islamic economic principles such as monotheism, justice, honesty, responsibility, prophecy, halal and thayyib, and anti-riba in their business activities.
THE INFLUENCE OF DER, ROE ON DPR OF COMPANIES LISTED IN THE MES BUMN 17 INDEX Widjiantoro, Surya Tegar; Segati, Ahda; Muda, Iskandar; Soemitra, Andri; Yusrizal
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2641

Abstract

This study aims to analyze the effect of Debt- to-Equity Ratio (DER) and Return on Equity (ROE) on Dividend Payout Ratio (DPR) in companies listed in the MES BUMN 17 Index and also included in LQ45. The research employs a quantitative explanatory approach using panel data, with analysis conducted through EViews. The t-test results indicate that DER has a significant negative effect on DPR, while ROE is not significant. The F-test shows that DER and ROE simultaneously have a significant effect on DPR. The coefficient of determination (R²) of 0.260 reveals that most variations in DPR are influenced by other factors outside the model.
PENGARUH CYBER CRIME DAN PERCEIVED RISK TERHADAP PENGAMBILAN KEPUTUSAN MENGGUNAKAN E-BANKING BANK SYARIAH INDONESIA (BSI) Rulinda Aini
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2649

Abstract

This study aims to analyze the influence of cyber crime and perceived risk on decision-making in using e-banking services at Bank Syariah Indonesia (BSI). The background of this research is the increasing use of digital banking services, which is accompanied by potential threats of cybercrime and users’ perceived risks. This research employed a quantitative approach with an associative descriptive method. The sample consisted of 96 respondents, determined using Slovin’s formula, with data collected through questionnaires. Validity and reliability tests confirmed that all research instruments were valid and reliable. The data were analyzed using classical assumption tests, multiple linear regression, t-test, F-test, and the coefficient of determination with the help of SPSS version 25. The findings revealed that the cyber crime variable has a negative but insignificant effect on students’ decision to use BSI e-banking services. This indicates that although cybercrime remains a relevant issue, it does not significantly reduce users’ intention to adopt digital banking. On the other hand, the perceived risk variable shows a positive and significant effect on decision-making. The better students perceive and manage risks, the higher their tendency to use BSI e-banking services. Simultaneously, both variables significantly influence decision-making, with perceived risk contributing more strongly than cyber crime. These results highlight that a well-managed perception of risk can enhance users’ confidence in adopting Islamic digital banking services.
Peran Lembaga Keuangan Syariah Dalam Menerapkan Sistem Keuangan Inklusif Terhadap Pemberdayaan Masyarakat Kota Palopo Riema Febriantie
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2685

Abstract

This study aims to provide an understanding of the efforts made by Islamic Financial Institutions (LKS) in implementing financial inclusion, to identify the obstacles encountered, and to analyze the role of LKS in applying inclusive financial systems to empower communities in Palopo City. The research employed a survey method with a qualitative approach. The sources of information in this study were employees of Bank Syariah Indonesia (BSI) Palopo Branch and several micro-entrepreneurs. The results of the study indicate that various efforts have been made by LKS, and their implementation has been well received by the community in Palopo City. This is evidenced by several programs, products, and financing schemes provided to micro-entrepreneurs in the area. However, there are several obstacles faced, including limited human resources and service offices, as well as a lack of understanding and awareness among the public, who still prefer quick and simple loans. As a result, many people tend to carry out financial transactions outside the LKS system. Micro-entrepreneurs require the role of LKS, particularly in providing capital to expand their markets, thereby contributing significantly to the national economy. LKS are able to offer solutions to meet the basic needs of the community, both consumptive and productive, especially for the people of Palopo City.
SUSTAINABLE DEVELOPMENT GOALS (SDGS) DAN PENERAPAN PRINSIP SYARIAH: EVALUASI DAMPAK EKONOMI DAN SOSIAL Styabudi, Wahyu
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2725

Abstract

This research aims to explore the role of Islamic economics in supporting the achievement of the Sustainable Development Goals (SDGs) in Indonesia, with a focus on poverty alleviation, reducing social inequality, and inclusive economic development. Using the literature study method, this research analyzes various literatures related to Islamic economics, SDGs, and their implementation in Indonesia, with the aim of understanding the relationship between the two and identifying challenges and opportunities. The results show that the Islamic finance sector, which includes Islamic banks and Islamic microfinance institutions, has great potential in providing equitable access to finance and helping the poor, especially in the small and medium enterprise (SME) sector. The halal industry sector has also shown significant contribution to the national economy by creating jobs and increasing Indonesia's competitiveness in the global market. However, the main challenges faced are unclear regulations, low public understanding of Islamic economics, and limited infrastructure that hinders access to Islamic financial services, especially in remote areas. This study concludes that to optimize the potential of the Islamic economy in supporting the SDGs, it is necessary to strengthen regulations, improve Islamic economic education, as well as cooperation between the government, the private sector, and the community.
THE URGENCY OF HALAL INDUSTRY DEVELOPMENT IN DRIVING NATIONAL ECONOMIC GROWTH Muhammad Syarofi; M. Fikri Syaifulloh
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2711

Abstract

The urgency of developing the halal industry lies in its role as a driving force for inclusive, sustainable, and globally competitive national economic growth. The halal industry is not merely a symbol of religiosity but also serves as a strategic instrument to enhance national productivity, expand export markets, create employment opportunities, and strengthen macroeconomic stability. This study aims to analyze the key strategies determining the success of halal industry development in Indonesia and its contribution to national economic growth. A qualitative approach was employed using the literature review method, drawing data from the Master Plan for Indonesia’s Halal Industry 2023–2029 and the KNEKS Report (2025). The findings reveal that the development of the halal industry is supported by four main pillars: improving productivity and competitiveness, strengthening policies and regulations, enhancing halal finance and infrastructure, and reinforcing halal branding and awareness. The contribution of this research lies in formulating a strategic framework that emphasizes the importance of multi-stakeholder collaboration to accelerate the transformation toward a halal-based economy. In conclusion, the development of the halal industry is not only a moral and spiritual obligation but also a visionary national economic strategy to achieve sustainable economic growth.
KOMUNIKASI HORIZONTAL SEBAGAI DETERMINAN EFEKTIVITAS PENGAMBILAN KEPUTUSAN DAN KINERJA EKONOMI LEMBAGA PEMERINTAH DAERAH Ujang Sanusi
JSE: Jurnal Sharia Economica Vol. 4 No. 4 (2025): Oktober
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i4.2770

Abstract

This study aims to analyze the influence of horizontal communication on decision-making effectiveness at the UPTD of National Education, Buay Pemuka Peliung Subdistrict, OKU Timur Regency. The research employed a quantitative associative method involving all UPTD employees as respondents. Data were collected through observation, interviews, documentation, and questionnaires using a Likert scale. Data analysis utilized Pearson’s correlation coefficient and t-test at a 5% significance level. The findings reveal a strong and positive relationship between horizontal communication and decision-making effectiveness, with a correlation coefficient of 0.681 and a determination contribution of 46.38%. This indicates that effective peer-level communication enhances the quality and accuracy of decision-making in public organizations. The study highlights the strategic role of horizontal communication as a coordination and collaboration mechanism within local educational bureaucracy and as a foundation for participatory, adaptive, and accountable governance

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