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Ana Billah
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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 147 Documents
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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
SISTEM BAGI HASIL USAHA FATTENING SAPI PERSPEKTIF EKONOMI ISLAM DI DESA SUKASARI, KECAMATAN AIR PERIUKAN, KABUPATEN SELUMA Rehan Nur Kholis
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.v4i4.2774

Abstract

This study aims to determine the profit-sharing system in a cattle Fattening business in Sukasari Village, Air Periukan District, Seluma Regency, and to determine the cattle Fattening system from an Islamic economic perspective. The research method used in this study is qualitative research. The informants who will become the subjects of this study are cattle owners and cattle breeders. Data collection techniques used include observation, interviews, and documentation. Data analysis in this study was conducted qualitatively by describing the overall results. The results of this study indicate that the profit-sharing system in the cattle Fattening business in Sukasari Village can be considered an adaptive, efficient, and sustainable business model. The cattle Fattening system in Sukasari Village complies with Islamic economic principles, both in terms of the contract, the absence of prohibited elements, the application of the value of ihsan (charity), and its contribution to the economic and social well-being of the community.
PENGARUH AKUNTABILITAS, TRANSPARANSI DAN SISTEM AKUNTANSI KEUANGAN DESA TERHADAP PENGELOLAAN KEUANGAN DESA (Studi Kasus Pada Desa Ulupulu: Kecamatan Nangaroro, Kabupaten Nagekeo) Hermanus Reo; Yuliana Sedho
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.v4i4.2776

Abstract

The aim of the research is to determine the influence of Accountability, Transparency and Village Financial Accounting Systems on Village Financial Management in Ulupulu Village, Nangaroro District, Nagekeo Regency. The type of research used in this research is quantitative research. In this study, a multiple linear regression model test was used. The sampling technique in this research was purposive sampling where the sample determined by the researcher was 94 respondents consisting of the people of Ulupulu village, Nangaroro subdistrict, Nagekeo district who had criteria determined by the researcher. Primary data and secondary data are used by researchers to test several variables, where related data is collected through questionnaire techniques. The research results show that accountability influences village financial management. The test results show that the coefficient value (β) of the Accountability variable is 0.185 with tcount > ttable (2.105 > 1.98667) and a significant level of 0.038 < 0.05. Transparency influences Village Financial Management. The test results show that the coefficient value (β) of the Transparency variable is 0.209 with tcount > ttable (2.127 > 1.98667) and a significance level of 0.036 < 0.05. The Village Financial Accounting System influences Village Financial Management. The test results show that the coefficient value (β) of the Village Financial Accounting System variable is 0.196 with tcount > ttable (2.022 > 1.98667) and a significant level of 0.046 < 0.05.
PENGARUH CAR DAN NPF TERHADAP ROA PADA PT.BANK NTB SYARIAH TAHUN 2018-2024 Fatiha, Nur; M. Wakhid Mustofa
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.v4i4.2786

Abstract

This research investigates the impact of the Capital Adequacy Ratio (CAR) and Non-Performing Financing (NPF) on the Return on Assets (ROA) of PT Bank NTB Syariah over the period 2018–2024. The study applies a quantitative method utilizing multiple linear regression analysis based on secondary data sourced from the bank’s official financial reports. The findings reveal that CAR exerts a significantly positive influence on ROA, while NPF has no significant relationship with it. When analyzed together, CAR and NPF were also found to have no joint significant effect on ROA, implying that additional factors such as operational efficiency might play a role in determining profitability. These results highlight the crucial role of effective capital management in enhancing the financial performance of Islamic banks following their conversion to the Sharia system. Moreover, this study extends the body of knowledge on Islamic finance by providing new insights within the context of regional Islamic banking institutions.
PENGARUH FINANCIAL LITERACY, DEMOGRAPHIC, DAN SOSIO ECONOMIC TERHADAP KEPUTUSAN INVESTASI DI PASAR MODAL SYARIAH DI KOTA BENGKULU Putra, Rales Eko; Arisandy, Yosy; Arisandi, Debby
JSE: Jurnal Sharia Economica Vol. 4 No. 3 (2025): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i3.2815

Abstract

This study aims to analyze the influence of financial literacy, demographic factors, and socio-economic conditions on investment decisions in the Sharia capital market in Bengkulu City. A quantitative approach was employed using multiple linear regression analysis with SPSS version 27. The sample consisted of 99 respondents who are Sharia capital market investors, selected through probability sampling using Slovin’s formula. The results show that financial literacy has a positive and significant effect on investment decisions with a significance value of 0.001 < 0.05. Demographic factors have no significant effect with a significance value of 0.768 > 0.05, while socio-economic factors significantly influence investment decisions with a significance value of 0.017 < 0.05. Simultaneously, the three variables significantly affect investment decisions with an F-value of 36.691 and a significance of 0.000 < 0.05. The R-Square value of 0.733 indicates that 73.3% of the variation in investment decisions is explained by these variables, while the remaining 26.7% is influenced by other factors such as psychological aspects, social media, and macroeconomic conditions
PENGARUH STRUKTUR ASET, RISIKO BISNIS, DAN PERTUMBUHAN PENJUALAN TERHADAP STRUKTUR MODAL DENGAN MODERASI PROFITABILITAS Archenia, Shellfin Iqlima; Habibie, Azwansyah; Novietta, Liza
JSE: Jurnal Sharia Economica Vol. 4 No. 3 (2025): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i3.2858

Abstract

This researd aims to analyze the effect of asset structure, business risk, and sales growth on capital structure, and to test the role of profitability as a moderating variable in goods and consumer companies listed on the Indonesia Stock Exchange (IDX) for the 2019–2023 period. Capital structure in this study is measured by the Debt to Equity Ratio (DER), asset structure by the ratio of fixed assets to total assets, business risk by the Basic Earning Power ratio, sales growth by annual sales growth, and profitability by Return on Assets (ROA). This study uses a quantitative method with a causality approach. Data were obtained from the annual financial reports of 39 goods and consumer sector companies selected through purposive sampling techniques. Data analysis was carried out using multiple linear regression and residual tests to test the moderating effect of profitability which was tested using SPSS 25. The results of the researd indicate that asset structure, business risk, and sales growth have a significant effect on capital structure. In addition, profitability has been shown to moderate the effect of asset structure, business risk, and sales growth on capital structure. These findings reinforce the importance of asset management, risk control, and growth strategies supported by strong profitability in forming an optimal capital structure in goods and consumer sector companies.
ANALISIS SWOT IMPLEMENTASI SERTIFIKASI HALAL PADA UMKM MAKANAN DAN MINUMAN KACAMATA MAQASHID SYARIAH santi, mei; Eko Sujianto, Agus; Akhyak, Akhyak; Ashlihah, Ashlihah
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.v4i4.2890

Abstract

Muslim consumer awareness of halal products in Indonesia continues to grow, yet the implementation of halal certification in food and beverage MSMEs still faces various challenges. This study aims to analyze the implementation of halal certification for MSMEs using the maqashid sharia approach and SWOT analysis. The research method used is qualitative descriptive-exploratory through in-depth interviews, observations, and documentation. The findings show that although the Free Halal Certification Program (SEHATI) and the OSS system ease access, MSME actors still face challenges related to digital literacy, understanding of procedures, and limited guidance. The SWOT analysis identifies strengths in religious motivation and regulatory support, weaknesses in technical-administrative aspects, opportunities from the growth of the global halal market, and threats in the form of digital inequality and low synergy between institutions. The maqashid sharia approach shows that digital halal certification contributes to the protection of religion, life, intellect, wealth, and business sustainability. This study highlights the importance of collaborative approaches and affirmative policies to enhance halal certification access for MSMEs, especially in peripheral areas.
ANALISIS WAKAF POLIS ASURANSI PERSPEKTIF HUKUM EKONOMI SYARI’AH DALAM PENGENTASAN PROBLEMATIKA UMAT Luayyin, Reza Hilmy; M. Nabat Ardli; Moh. Arifin
JSE: Jurnal Sharia Economica Vol. 2 No. 2 (2023): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v2i2.2902

Abstract

The concept of waqf also reflects the values of social care and sustainability in Islam. "Waqf of insurance policies" refers to the act of allocating the benefits or proceeds from an insurance policy for charitable or public benefit purposes. In this context, "insurance policy" refers to an insurance contract that involves the payment of premiums to an insurance company in order to obtain financial protection from certain risks, such as property damage, health, or other unforeseen events. This means that some or all of the benefits derived from insurance claims will be allocated for charitable or social benefit purposes, such as helping people in need, supporting education, or building public facilities. The waqf of insurance policies is an innovation to explore the potential of wealth so that it can be empowered more optimally as much as possible for greater benefits and also solve the problems of the people. This paper uses a qualitative approach and normative juridical methods as well as related literature. The results showed (1) Its existence can certainly open up greater opportunities to be able to grow the economic potential of the people so that it can be empowered for the general benefit and be able to solve various kinds of economic problems of the people. (2) Waqf of sharia insurance policies is part of a breakthrough in waqf management in exploring the economic potential of the people to distribute wealth effectively and on target. The synergy of naẓir, government, or related institutions is needed in the management, supervision, and development of waqf so that waqf assets remain productive, trustworthy, and truly useful to overcome the problems of the people, especially in the real sector. (3) Some of the main functions of waqf insurance policies in overcoming people's problems are for 1) Social Welfare such as hospitals, schools, orphanages, and mosques, which provide benefits to the community as a whole 2) Educational Development such as establishing schools, colleges, or training centers, which provide access to quality education to the community, even future generations. 3) Economic Empowerment such as creating jobs, developing skills, and improving the local economy. For example, waqf can be directed to establish micro or medium enterprises that provide economic benefits to the community. 4) Health Care such as establishing hospitals or health centers financed from waqf proceeds. 5) Religious Development such as building and maintaining places of worship such as mosques,ṡallâ, or other religious institutions. 6) Public Benefit such as developing infrastructure, recreational areas, and other public facilities. 7) Social and Spiritual Growth such as improving the socio-religious of the community.
ANALISIS FIQIH MUAMALAH KONTEMPORER TERHADAP TREN BANK EMAS DIGITAL STUDI PADA LAYANAN BANK EMAS DI APLIKASI BYOND BY BSI ARIFAH DWI AGUSTINA; Muhammad Yazid
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v5i1.2832

Abstract

The digital Gold Bank service from Bank Syariah Indonesia (BSI) presents a sharia-compliant gold investment innovation that makes it easier for people to access, buy, sell, and transfer gold digitally through the BSI Mobile application. This product is designed in accordance with sharia principles, using clear contracts such as murabahah and wadiah, and is supervised by the Financial Services Authority (OJK) and the Sharia Supervisory Board (DPS) to ensure the halal status and certainty of gold ownership. The use of digital technology supports increased sharia financial literacy and inclusion, offering easy access, security, and efficiency in gold transactions without the need to store physical gold directly. While offering potential stability and investment benefits for the Muslim community, this service faces challenges such as annual administration fees, taxes on gold transactions, and the need for further education regarding financial technology. Overall, BSI Gold Bank is a modern solution that is relevant to the contemporary Islamic economic and financial context, while also supporting the achievement of the maqasid sharia objectives of wealth preservation and economic justice.
ANALISIS PENYELESAIAN SENGKETA E ANALISIS PENYELESAIAN SENGKETA EKONOMI SAWIT: KETIMPANGAN HARGA PETANI DAN HARGA EKSPOR DI KALIMANTAN TENGAH Wasilaturohmah
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v5i1.2854

Abstract

This study analyzes the economic dispute in the palm oil sector concerning the price disparity between smallholder farmers and export markets in Central Kalimantan. Palm oil, as one of Indonesia’s main export commodities, significantly contributes to national income but also presents persistent inequality in its value chain. Farmers often receive low Fresh Fruit Bunch (FFB) prices due to dependence on middlemen, lack of land legality and institutional capacity, poor FFB quality, inconsistent government regulations, and limited market information. The research employs a qualitative descriptive approach with a case study design supported by a normative Islamic economic perspective emphasizing justice (‘adl), benefit (maslahah), and the prohibition of injustice (dzulm). Data were collected through interviews with farmers and relevant stakeholders, as well as secondary sources such as official reports and literature reviews. The results reveal that structural imbalances in price distribution and weak bargaining power of farmers lead to social and economic inequality. From the perspective of Islamic economics, these practices reflect elements of monopoly (ihtikar), fraud (ghishsh), and uncertainty (gharar), all of which contradict the principles of justice and transparency. Therefore, dispute resolution should prioritize non-litigation methods such as conciliation (al-sulh) and arbitration (tahkim) under Islamic arbitration bodies like Basyarnas. Moreover, the implementation of transparent and fair trade contracts—such as Salam and Istishna’—and government intervention based on maslahahare necessary to ensure equitable price mechanisms and improve the welfare of palm oil farmers sustainably.

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