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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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Jawa timur
INDONESIA
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 216 Documents
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ANALISIS KELAYAKAN MENGGUNAKAN HAMDI’S METHOD PADA USAHA AGROINDUSTRI TAPAI UBI KAYU PAK ZAIN DI KECAMATAN RUMBAI BARAT KOTA PEKANBARU Hamdi Agustin; Doni Giong Saputra; Setiawan, Rahmat
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/v6kjev38

Abstract

This study aims to analyze the feasibility of Pak Zain's cassava tapai agro-industry business using Hamdi's Method consisting of the Gold Value Method (GVM) and the Gold Index (GI). The research method used is a quantitative approach with a case study on Pak Zain's cassava tapai agro-industry business in Pekanbaru. The results of the study show that Pak Zain's cassava tapai agro-industry business using Hamdi's Method consisting of the Gold Value Method (GVM) obtained a positive gold value of 115.094 grams, which indicates that the investment for the business is feasible. The Gold Index (GI) value = 3.822 grams because GI> 1, then the cassava tapai business is declared feasible to run based on the GI criteria. As a comparison, using a conventional perspective, namely NPV and PI, produces NPV = Rp. 409,328,230.16 (positive) / (NPV > 0), so that the business is financially feasible to run according to the NPV decision criteria (NPV > 0 = feasible). Then, the Profitability Index value is 12.87 (PI) > 1, so that Mr. Zain's cassava tapai agro-industry business is profitable and feasible. From the results of the business feasibility analysis, it can be identified that Mr. Zain's cassava tapai agro-industry business in Pekanbaru city is financially feasible. The Hamdi's Method is effectively used for business feasibility analysis.
ANALISIS KINERJA SAHAM SYARI’AH SEKTOR ENERGI MENGGUNAKAN PENDEKATAN ANALISIS FUNDAMENTAL DAN TEKNIKAL DI BEI PRIODE 2024 apriani, Wanti; Evan Setiawan; Nurrahmah Putry
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/hvzfgn75

Abstract

This study aims to analyze the performance of sharia stocks in the energy sector listed on the Indonesia Stock Exchange (IDX) for the 2024 period using fundamental (ROE, EPS, and PER )  and technical analysis (. SMA and RSI )  approaches indicators to identify trends and signals of stock price movements. This study employed a quantitative approach with descriptive analytical methods. The results indicate that fundamental and technical analysis provide different but complementary perspectives in assessing the performance of sharia stocks. Fundamental analysis emphasizes the company's financial condition, while technical analysis provides information regarding the appropriate timing for investment decisions.Therefore, the combination of these two approaches can help investors make more optimal, accurate, and sharia-compliant investment decisions.
LEGAL CERTAINTY OF HALAL CERTIFICATION FOR MSMEs IN THE ISLAMIC ECONOMIC ECOSYSTEM Lusi Zafriana, Lusi Zafriana
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/tny4c278

Abstract

This study is situated within the discourse of Islamic business law, particularly focusing on legal certainty in halal certification for Micro, Small, and Medium Enterprises (MSMEs) within Indonesia’s Islamic economic ecosystem. The issue addressed is that, despite the existence of a strong legal framework governing halal certification, its implementation for MSMEs continues to face challenges related to access, procedural complexity, assistance, and supervision. This study aims to analyze the construction of legal certainty in halal certification for MSMEs and to examine its role in strengthening the position of MSMEs within the Islamic economic ecosystem. The research employs a normative juridical method with statutory and conceptual approaches. Data are collected through a literature review of laws and regulations, official government documents, institutional reports, and relevant scholarly articles; this study does not involve population or sampling as it is non-empirical in nature. The findings indicate that halal certification is structured through mandatory certification, mandatory disclosure for non-halal products, phased implementation for micro enterprises, the self-declare scheme, and free halal certification facilitation programs. However, legal certainty is only meaningful when supported by clear procedures, accessible systems, affordable costs, adequate assistance, and consistent supervision. This study contributes to Islamic business law by positioning halal certification as a legal instrument that enhances consumer protection, market trust, and the sustainability of MSMEs. Halal certification should therefore be understood as an inclusive mechanism for strengthening the Islamic economy, rather than merely an administrative formality.
ANALISIS IMPLEMENTASI HALAL VALUE CHAIN PADA UMKM MAKANAN HALAL DI KAWASAN BERENDO KOTA BENGKULU Indri Apriliani; Yosi Arisandi; Miko Polindi
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/7htnk377

Abstract

The purpose of this study is to explore the potential and challenges associated with the implementation of the Halal Value Chain in halal food MSMEs in Bengkulu City's Berendo Area. Although the Halal Value Chain (HVC) has not yet been fully established, the Berendo Area was chosen because it has been designated as a Halal, Safe, and Healthy Culinary Zone (Zona KHAS). This study employed a descriptive qualitative technique and field research methodology. In-depth interviews, observation, and documentation were used to gather data. Purposive sampling was used to select five MSMEs and five customers as informants. Data reduction, data presentation, and conclusion drafting were used in the data analysis process. The findings demonstrate that while all MSMEs have received halal certification, the HVC's implementation is subpar. Weaknesses in the input stage, production process, and processing and service aspects have an impact on the compliance rate, which is around 75%. The region's backing as a halal hub, growing consumer confidence, and the possibility of halal culinary tourism make the implementation of HVC extremely promising. Low halal literacy, a lack of comprehension among MSMEs, business competition, and problems with parking and guest comfort are some of the obstacles.
PERAN IKLAN TIKTOK DALAM MEMBENTUK MINAT BELI MAHASISWA PADA BRAND BUSANA PERSPEKTIF ETIKA PEMASARAN SYARIAH Zamzami, Muhammad; Sunarto, Andang; Harpepen, Andi; Ujang Sanusi
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/ejwvts51

Abstract

This study aims to examine the role of TikTok advertisements in shaping students' buying interest in fashion brands and the perspective of Sharia marketing ethics on these TikTok advertisement practices. This study uses a qualitative approach with the type of field research. Informants were selected using purposive sampling technique, totaling 9 active students from the Faculty of Islamic Economics and Business at UINFAS Bengkulu who use TikTok and have been exposed to fashion brand advertisements. Data collection was conducted through interviews, observation, and documentation. The results indicate that TikTok advertisements for fashion brands play a real role in shaping students' buying interest through four functions: informing, by clearly conveying fashion product information to attract attention; influencing, by affecting through visual appeal and content creativity; reminding, by maintaining students' memory of the brand and product; and adding value, by encouraging concrete actions up to purchase. From the perspective of sharia marketing ethics, the justice of Al-'Adl has been well fulfilled; however, the honesty of Shiddiq and the responsibility of Amanah have not been optimally fulfilled, as indicated by the tendency of sellers to only convey product advantages, inconsistency between advertisement appearance and the product received, and untimely delivery. This study concludes that there is still a gap between TikTok advertising practices by fashion brands and Islamic ethical values that need to be improved.
PENGARUH KELANGKAAN PUPUK SUBSIDI DAN EFISIENSI DISTRIBUSI TERHADAP PENDAPATAN PETANI DENGAN PENERAPAN NILAI – NILAI SYARIAH SEBAGAI VARIABEL MEDIATOR Arnita, Desty; Hanif, Padlim; Arisandy, Yosy; Ujang Sanusi
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/d5017222

Abstract

The scarcity of subsidized fertilizer and inefficient distribution systems are challenges that can reduce farmers’ productivity and income. This study aims to analyze the effect of subsidized fertilizer scarcity and distribution efficiency on farmers’ income, with Islamic values as an intervening variable. The research used a quantitative method, with a sample of 60 farmers in Suka Makmur Village, BTS Ulu District, Musi Rawas Regency, and was analyzed using path analysis in SPSS 27. The results showed that subsidized fertilizer scarcity and distribution efficiency simultaneously affected Islamic values, but only distribution efficiency had a significant effect. In addition, Islamic values significantly influenced farmers’ income and acted as a full mediation variable. These findings indicate that implementing the principles of justice, trustworthiness, and transparency can improve farmers’ welfare. This study recommends the digitalization of fertilizer distribution and the strengthening of Islamic economic values in agricultural assistance programs.
ANALISIS PENGARUH KUALITAS PRODUK, HARGA, DAN ULASAN PRODUK TERHADAP KEPUASAN KONSUMEN DALAM BELANJA ONLINE PRODUK SKINCARE HALAL Y.O.U (STUDI KASUS DI KALANGAN GENERASI Z KOTA BENGKULU) Vanda Ibra Julika
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jmhzg511

Abstract

This study aims to analyze the effect of product quality, price, and product reviews on consumer satisfaction in online shopping of halal skincare products Y.O.U among Generation Z in Bengkulu City. The rapid growth of digital technology has significantly influenced consumer behavior, particularly among Generation Z who actively engage in online shopping. This research uses a quantitative approach with data collected through questionnaires distributed to 100 respondents selected using purposive sampling. Data analysis techniques include validity and reliability tests, classical assumption tests, and multiple linear regression analysis using SPSS. The results show that product quality, price, and product reviews have a positive and significant effect on consumer satisfaction, both partially and simultaneously. Product quality is the most dominant variable affecting consumer satisfaction. These findings provide insights for businesses in developing effective digital marketing strategies in the halal skincare industry.
TINJAUAN REALISASI ANGGARAN DAN CAPAIAN KINERJA PADA BIDANG PERENCANAAN DAN PEMANFAATAN HUTAN DINAS KEHUTANAN PROVINSI KALIMANTAN TENGAH TAHUN 2025 Rahayu Dwi Lestari; Hadriani; Muhammad Ichsan Diarsyad; Synthia Ferisca; Sifera Patricia Maithy
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/rqfcj070

Abstract

Accountability reports in government agencies are highly important to evaluate whether work plans have been implemented successfully. This study aims to evaluate the consistency between budget utilization and physical target achievements within the Planning and Forest Utilization Division of the Central Kalimantan Provincial Forestry Department in 2025. The method used is descriptive quantitative by calculating the achievement percentage between realization and the allocated budget. Data were collected directly from the 2025 Budget Realization Report (LRA) and the Government Agency Performance Report (LKIP). The results indicate that budget utilization and work achievements in the Planning Division are not yet optimal. Out of 14 sub-activities analyzed, 4 activities (28.6%) recorded 0% utilization, 5 activities performed below 50%, and only 2 activities managed to achieve targets above 70%. The main problems found in the field include failed tender processes, delays in central government regulations, shifts in regional planning, spatial map data issues, and weather constraints. This study suggests accelerating the preparation of tender documents, strengthening cooperation between agencies, and providing contingency funds to overcome unexpected obstacles in the field.  
PENGARUH LABEL HALAL, ECO-LABEL, DAN KEPERCAYAAN MEREK TERHADAP KEPUTUSAN PEMBELIAN PRODUK KOSMETIK LOKAL (STUDI KASUS PADA PRODUK AZZARINE) Dini Nurhidayati; Yosy Arisandy; Rahmat Putra Ahmad Hasibuan
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/0kaf6782

Abstract

This study aims to analyze the influence of halal labels, eco-labels, and brand trust on purchasing decisions for local cosmetic products Azzarine among Generation Z consumers in Bengkulu City. This study uses a quantitative approach with primary data obtained through distributing questionnaires to Generation Z consumers who have used or purchased Azzarine products. The sampling technique used purposive sampling. The collected data were then analyzed using Statistical Package for the Social Sciences (SPSS) version 26 through validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and coefficients of determination (R²). The results show that halal labels, eco-labels, and brand trust have a positive and significant effect on purchasing decisions for local cosmetic products Azzarine. In addition, simultaneously, these three variables also have a significant effect on purchasing decisions. The R-Square value of 0.723 indicates that the variables halal labels, eco-labels, and brand trust are able to explain purchasing decisions by 72.3%, while the remaining 27.7% is influenced by other variables outside the study.
PENGARUH PENGETAHUAN PERPAJAKAN, KESADARAN WAJIB PAJAK, DAN KUALITAS PELAYANAN TERHADAP KEPATUHAN WAJIB PAJAK DI KOTA BENGKULU DALAM PERSPEKTIF NILAI EKONOMI ISLAM Juliah Alisah; Yosy Arisandy; Rahmat Putra Ahmad Hasibuan
JSE: Jurnal Sharia Economica Vol. 5 No. 3 (2026): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/fg4jfa95

Abstract

This study aims to analyze the effect of tax knowledge, taxpayer awareness, and service quality on taxpayer compliance in Bengkulu City from the perspective of Islamic economic values. This study employed a quantitative approach using primary data collected through questionnaires distributed to taxpayers in Bengkulu City. The sampling technique used was purposive sampling, resulting in 170 respondents as the research sample. The research data were analyzed using multiple linear regression with the assistance of SPSS version 26 software to examine the effect of each variable on taxpayer compliance. The findings of this study indicate that tax knowledge, taxpayer awareness, and service quality have a positive and significant effect on taxpayer compliance. In addition, taxpayer awareness is the most dominant variable influencing taxpayer compliance. The coefficient of determination (R²) of 0.746 indicates that tax knowledge, taxpayer awareness, and service quality explain 74.6% of taxpayer compliance, while the remaining 25.4% is influenced by other variables outside the scope of this study. From the perspective of Islamic economic values, taxpayer compliance reflects the implementation of the principles of trustworthiness (amanah), justice ('adl), and public welfare (maslahah) as a form of social responsibility in supporting development and community welfare.

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