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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 140 Documents
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KEPUTUSAN MEMILIH TABUNGAN SYARIAH: PERAN PENGETAHUAN DAN MEDIASI SIKAP Aang Gunaepi, Aang Gunaepi; Finantyo Eddy Wibowo, Finantyo Eddy Wibowo; Azizati, Shili
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/azd8f185

Abstract

Indonesia has great potential to become a global center for the Islamic economy through regulatory support and a strong Muslim population base. However, low Islamic financial literacy in Indonesia poses a fundamental challenge in optimizing the potential of the national Islamic banking sector. This study aims to analyze the influence of knowledge on people's decisions in choosing Islamic savings products, with attitude as an intervening variable. Using quantitative methods, data were collected through a survey of 384 respondents in Tasikmalaya City, who were determined using purposive sampling techniques. Data analysis was performed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the help of SmartPLS. The results show that knowledge has a positive and significant effect on attitude (0,726) and decision (0,288). In addition, attitude has a positive effect on decision (0,570) and is proven to significantly mediate the effect of knowledge on decision (0,414). These findings confirm that attitude is a crucial factor that strengthens the relationship between knowledge and decision. The implication is that strategies to improve Islamic financial literacy should focus on forming positive attitudes in order to increase public participation in the Islamic financial sector.
PERLINDUNGAN KONSUMEN DALAM PERSPEKTIF SYARIAH: Kajian Pustaka Prinsip ‘Adl, Sidq dan Larangan Gharar serta Riba Rozan Avif, Rozan Avif; Muhammad Julijanto, Muhammad Julijanto
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/z7rjh495

Abstract

Consumer protection is a central issue in modern law, particularly in the context of increasingly complex global trade, which often creates information asymmetry between businesses and consumers. Law No. 8 of 1999 on Consumer Protection provides a formal legal framework, yet it has not fully accommodated the moral and spiritual dimensions that play a crucial role in ensuring transactional justice. From the perspective of Islamic law, the principles of ‘adl (justice) and ṣidq (honesty) serve not only as ethical foundations but also as obligatory elements of every contract, while the prohibitions of gharar (uncertainty) and ribā (financial exploitation) function as preventive mechanisms against practices harmful to consumers. This study employs a normative juridical method with a library research approach to analyze the relationship between sharia principles and consumer protection law in Indonesia. The findings reveal that consumer protection from a sharia perspective is more comprehensive than positive law alone, as it integrates substantive justice, morality, and spirituality. Thus, sharia principles can enrich the national legal system and strengthen the effectiveness of consumer protection in Indonesia.
PENYELESAIAN SENGKETA CICILAN EMAS ATAS KETIDAKMAMPUAN PEMBAYARAN ANGSURAN NASABAH PADA PEGADAIAN SYARIAH CABANG PAMEKASAN Hidayatullah, Hidayatullah; Eri Hariyanto, Eri Hariyanto; Rudy Haryanto, Rudy Haryanto; Hidayat, Hidayat
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/vsgx8b25

Abstract

The problem that arises in the settlement of gold installment disputes is due to the increasing number of customers who default on payments as a result of unstable economic conditions, thereby creating the potential for disputes between the institution and its customers. This study aims to analyze the mechanism for resolving gold installment disputes due to customers' inability to pay installments at the Pamekasan Branch of Pegadaian Syariah and to examine its conformity with the principles of Islamic economic law. This study uses a descriptive qualitative approach with data collection techniques through in-depth interviews, direct observation, and documentation of the pawnshop and customers involved in gold installment financing cases. The results show that dispute resolution at the Pamekasan Branch of Pegadaian Syariah is carried out through deliberation and financing restructuring, rather than through litigation. This conflict resolution is implemented in three phases: (1) a deliberative approach based on ishlah, (2) reconfiguration of the financing scheme, and (3) arbitration through BASYARNAS. Empirical evidence shows that 83% of total cases were successfully resolved through deliberative mechanisms without involving formal litigation processes. The consumer satisfaction index reached 78%, indicating the effectiveness of a resolution strategy that prioritizes humanistic dimensions based on sharia values. This study recommends two main strategies: first, intensifying sharia financial literacy education programs; second, establishing a special consultative unit that functions as a preventive instrument against potential ongoing conflicts in the future.
PERAN PEMASARAN DIGITAL DALAM MENINGKATKAN PENDAPATAN USAHA AHA KEBAB DI KELURAHAN SIPOLU-POLU KECAMATAN PANYABUNGAN KABUPATEN MANDAILING NATAL Darwin Nasution; Rizki Amalia
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/z9krw780

Abstract

Digital marketing is a form of marketing evolution that utilizes digital media as the primary channel for delivering product and service information to consumers. Through digital marketing, more effective two-way communication can be established between businesses and consumers, which has the potential to increase business revenue. This study aims to analyze the effect of digital marketing on revenue growth at AHA Kebab business located in Sipolu-polu Village, Panyabungan District, Mandailing Natal Regency. The research employed a quantitative method with the population consisting of all AHA Kebab consumers during the period of January to August 2025. The sample comprised 96 respondents selected using the accidental sampling technique. Data were collected through observation, documentation, and questionnaires. Data analysis was conducted using validity test, reliability test, normality test, heteroscedasticity test, simple linear regression analysis, partial test, and coefficient of determination with the assistance of SPSS version 21. The results indicate that digital marketing has a positive and significant effect on revenue growth with a significance value of 0.000 < 0.05. The coefficient of determination of 0.649 shows that 64.9% of revenue increase is influenced by digital marketing, while 35.1% is affected by other factors. Therefore, effective implementation of digital marketing can significantly improve business revenue.
POTENSI SENGKETA DALAM PENGADAAN FOOD TRAY IMPOR PROGRAM MAKAN BERGIZI GRATIS (MBG): TINJAUAN ARBITRASE SYARI'AH TERHADAP KEHALALAN DAN ETIKA BISNIS Zahroh, Zahrotul Laila; Moh. Humaidi, Moh. Humaidi; Erie Hariyanto, Erie Hariyanto; Rudy Haryanto, Rudy Haryanto; Fadllan, Fadllan; Zahroh, Zahrotul
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/rgsedw32

Abstract

The Free Nutritious Meals Program (MBG) is a strategic government policy to improve the nutritional quality of students. One important component in its implementation is the procurement of food trays as a means of food distribution. However, the procurement of imported food trays from non-Muslim countries raises potential disputes related to product halal certification, business ethics, and compliance with public procurement regulations. This study aims to identify potential disputes in the procurement of imported food trays for the MBG program and examine the relevance of sharia arbitration as a dispute resolution mechanism. This study uses a normative qualitative method with a conceptual and legislative approach, through document analysis, DSN-MUI fatwas, and academic literature related to sharia economics and public procurement. The results of the study indicate that disputes may arise due to non-compliance with halal standards, non-transparent procurement practices, and the weak integration of sharia arbitration in contracts. Sharia arbitration, through institutions such as BASYARNAS, has great potential to resolve disputes fairly, quickly, and in a manner that is oriented towards the public interest.
OPTIMALISASI PERAN NADZIR DALAM PENGELOLAAN DAN PEMANFAATAN WAKAF UNTUK PEMBANGUNAN GEDUNG MADRASAH (Studi Tk Al-Raudlatul Jadid Palengaan Pamekasan) Adisah, Adisah; rohmah, wasilah
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/zjytjp36

Abstract

Waqf is a sharia financial instrument that functions in the development of sharia economics, specifically in Muslim development, one of which is in Indonesia, precisely at the Miftahul Ulum Kebun Baru Islamic Boarding School foundation at the Al-Raudlahtul Jadid Kindergarten madrasah institution with a review of the management of nazhir in the management of waqf which includes the responsibilities of the nazhir. The method used is a descriptive qualitative approach with a type of field research. The results of this study are: 1.The sustainability and utilization of waqf depends heavily on the role of the nazhir. The nazhir is responsible for implementing various efforts necessary to safeguard and manage waqf assets to ensure their continued preservation and benefit. 2. Waqf at the Miftahul Ulum Kebun Baru Islamic Boarding School Institution is a productive waqf which is not only trustworthy, but must be professional in managing waqf assets, 3. Nadzir at the Al-Raudlahtul Jadid Kindergarten Institution here is a trustworthy and responsible nadzir, because the construction project is completed according to the time determined by the waqf fund provider.
DAMPAK PENGGUNAAN TIKTOKSHOP TERHADAP GAYA HIDUP PADA GENERASI Z MENURUT PERSPEKTIF EKONOMI ISLAM (Studi Pada Mahasiswa Gen Z di Universitas Islam Negeri Fatmawati Sukarno Bengkulu) Ade Ihwani Harahap; Setiawan, Romi Adetio; Anwar Junaidi
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: 10.46773/469c3k54

Abstract

The development of social commerce through the TikTok platform has changed Generation Z consumption patterns, particularly in their impulsive online shopping behavior. This study aims to analyze the influence of TikTok use on the consumer lifestyle of Generation Z students and its impact on financial management, from an Islamic economic perspective. This study used a quantitative approach with a survey method. Data were obtained from 82 respondents, students from the Faculty of Islamic Economics and Business, Fatmawati Sukarno State Islamic University, Bengkulu, from the class of 2021 who actively use TikTok. Data analysis techniques used validity, reliability, normality tests, and partial t-tests using SPSS. The results showed that TikTok use had a positive and significant effect on the consumer lifestyle of Generation Z students. Furthermore, a consumer lifestyle had a significant effect on student financial management. A consumer lifestyle was also shown to mediate the influence of TikTok use on financial management. From an Islamic economic perspective, these findings indicate that uncontrolled consumer behavior has the potential to conflict with the principles of simplicity and wise wealth management. Therefore, it is necessary to increase Islamic financial literacy so that the use of TikTok Shop remains in line with Islamic values.  
MODEL WAKAF PRODUKTIF BERBASIS PESANTREN SEBAGAI INSTRUMEN PEMBANGUNAN EKONOMI UMAT Wahyono, Catur
JSE: Jurnal Sharia Economica Vol. 4 No. 1 (2025): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/gwrdyh23

Abstract

This study aims to analyze the empirical conditions of productive waqf management in pesantren and to formulate a productive waqf model based on Maqāṣid al-Sharī‘ah and sustainable development. The research employs a qualitative approach with a case study design and conceptual model development. Data were collected through in-depth interviews, observations, and document analysis, and were examined thematically by linking empirical findings with the Maqāṣid al-Sharī‘ah framework and sustainability principles. The findings reveal that pesantren possess significant waqf potential; however, its management remains predominantly consumptive, constrained by limited professional capacity of nazhir and weak institutional governance. This study proposes a productive waqf model that holistically integrates educational, economic, and social dimensions through strengthened governance, development of waqf-based productive business units, integration of Islamic social finance instruments, and the utilization of digital technology. The proposed model positions waqf as a strategic instrument for enhancing pesantren self-reliance and promoting sustainable socio-economic development of the Muslim community.
IDEOLOGICAL ANALYSIS OF ISLAMIC PHILANTHROPIC PRACTICES AND ITS IMPACT ON MUSTAHIK ECONOMIC EMPOWERMENT IN LAZISMU, EAST JAVA Muhammad Alfi Syahrin
JSE: Jurnal Sharia Economica Vol. 4 No. 1 (2025): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/5g52j871

Abstract

This study examines the ideological foundations of Islamic philanthropy practiced by Lazismu in East Java and its implications for mustahik economic empowerment. Rooted in Muhammadiyah’s principles of tajdid (renewal), amanah (trust), keadilan (justice), and maslahah (public welfare), Lazismu operationalizes zakat, infaq, and shadaqah funds through productive empowerment programs such as Bankziska, Tani Bangkit, and Kampung Berkemajuan. Using a qualitative case study approach, this research collected data through in-depth interviews, participant observation, and document analysis involving program managers, beneficiaries, and institutional stakeholders. The findings reveal that Muhammadiyah’s ideology functions as a strategic driver shaping program design, beneficiary selection, and governance mechanisms. Lazismu’s empowerment model demonstrates measurable socio-economic outcomes, including increased business turnover, enhanced agricultural productivity, and improved financial independence among mustahik. Moreover, the integration of vocational training, digital innovation, and moral education strengthens the sustainability and ethical orientation of empowerment initiatives. This study contributes to the moral economy discourse by illustrating how religious ideology, when institutionalized effectively, can transcend charitable redistribution and become a transformative framework for inclusive development. The results underscore that ideology-based Islamic philanthropy can serve as a viable model for faith-driven social enterprise and sustainable community empowerment.
REKONSTRUKSI HUKUM WAKAF PRODUKTIF DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH DAN PEMBANGUNAN BERKELANJUTAN Alimuddin, Subkhan; septy, tentiasih
JSE: Jurnal Sharia Economica Vol. 4 No. 1 (2025): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jnq4wz66

Abstract

This study aims to analyze and reconstruct the concept of productive waqf within the framework of Islamic economic law by integrating the principles of maqāṣid al-sharī‘ah and sustainable development. Productive waqf has significant potential as an Islamic social finance instrument that functions not only as religious philanthropy but also as a mechanism for economic empowerment, social equity, and environmental sustainability. However, this potential remains underutilized due to regulatory limitations, weak institutional governance, and the low professionalism of nazhir. This research adopts a qualitative approach using a normative juridical method, complemented by conceptual and comparative approaches. Data were collected through library research on statutory regulations, Islamic economic law literature, and relevant previous studies. The findings indicate that the reconstruction of productive waqf law should emphasize a maslahah-oriented impact approach, strengthen nazhir professionalism, and integrate Islamic financial innovation and digital technology. Such reconstruction is essential to ensure that productive waqf plays a sustainable role in supporting economic, social, and environmental development.

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