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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 108 Documents
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STUDI KASUS STRATEGI BAURAN PEMASARAN PRODUK DALAM PEMBIAYAAN DI BANK MINI SYARIAH CABANG UNIVERSITAS ISLAM NEGERI SUNAN AMPEL SURABAYA Millah Awalul Khusnunnia
JSE: Jurnal Sharia Economica Vol. 2 No. 1 (2023): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v2i1.517

Abstract

Analisis strategi bauran pasar terhadap penjualan produk dalam pembiayaan di bank mini syariah. Untuk memetakan bagaiaman lembaga keuangan bank yakni bank mini berbasis syariah ini dapat menerapkan marketing mix untuk pembiayaan dalam produk-produk BMS sehingga nantinya dapat diketahui apakah strategi marketing mix dalam pembiayaan telah berjalan optimal serta menerapkan prinsip syariah. Hasil studi kasus ini menunjukan pertama, penerapan bauran pasar telah dilaksanakan BMS Uinsa dengan optimal hal ini dapat dibuktikan dengan produk layanannya yang memiliki banyak variasi sehingga dapat menyesuaikan dengan kebutuhan masyarakat yang beragam kedua, faktor yang berkaitan dengan harga Bank Mini Syariah telah sesuai dengan konsep pasar hal ini dibuktikan dengan cara Bank Mini Syariah dalam menetapkan harga berdasarkan transparansi dan dengan selalu menprediksi pembiayaan BMS tersebut ketiga, faktor dari promosi telah sesuai dengan konsep pasar mengenai penjualannya namun kekurangan dari faktor pemasaran ini adalah cankupan dari bank mini syariah diunsa yang hanya terdapat pada kampus satu saja sedangkan uinsa memiliki dua kampus. Meninjau dari hasil temuannya bahwa penerapan dari bauran pasar yang terdiri dari pelaksanaanya belum optimal karena bank mini syariah cabang uinsa ini juga memiliki beberapa kendala dalam perihal bauran pemasarannya.
PROBLEM BASED LEARNING UNTUK MENINGKATKAN KETERAMPILAN BERPIKIR KRITIS: META ANALISIS Fia Ayuning Pertiwi; Reza Hilmy Luayyin; Mohammad Arifin
JSE: Jurnal Sharia Economica Vol. 2 No. 1 (2023): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v2i1.559

Abstract

The misunderstandings of the Indonesia people often lead to conflicts and controversies. Critical thinking skill is defined as the process of analyzing evidence in analyzing all forms of information to find a decision so as not to be carried away by negative currents. One of the special solutions needed to improve critical thinking skills can be done through educational programs, namely by applying appropriate learning methods and models. The PBL models offers learning that is able to solve problems in applying freedom to students in developing communication skills and problem solving skills to face the world of education. The purpose of this research is to analyze the PBL learning model can improve critical thinking skills. The method used in this meta-analysis. The research begins by collecting relevant data through Google Scholar for analysis. Research from the 30 data obtained, 10 relevant articles were obtained. Based on the results of the search data, the PBL learning model was able to improve students’ critical thinking skills. Keywords: The Problem Based Learning, Critical Thinking Skills, Learning.
التطبيقات األصولية من خالل تفسري سورة البقرة )دراسة حتليلية القواعد األصولية املعاملة عند السعدي( ريزا حلمي لؤي, حممد عارفني, حممد ألف شهر Reza Hilmy Luayyin; Mohammad Arifin; Muhammad Alfi Syahrin
JSE: Jurnal Sharia Economica Vol. 2 No. 1 (2023): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v2i1.560

Abstract

القرآن هو أحد أهم مصادر الشريعة اإلسالمية. إذا مل يدرسها العلماء عن كثب ، فلن يتمكنوا من فهمالقواعد اإلسالمية األساسية املستمدة من آايت القرآن. كان الشيخ عبد الرمحن السعدي من العلماء الذينقاموا بعمل رائع يف فهم القواعد اإلسالمية األساسية من القرآن. حبثت هذه الدراسة يف القواعد األصولية اليتاستخرجها السعدي من سورة البقرة ، وكيف طبقها يف كتابيه "الرسالة اللطيفة" و "القاعدة احلسن". منهجالبحث وصفي وحتليلي. تبحث هذه الدراسة يف القواعد األصولية اليت استخرجها السعدي من سورة البقرة ،وكيف طبقها يف كتابيه "الرسالة اللطيفة" و "القاعدة احلسن". منهج البحث وصفي وحتليلي . ووجد الباحثأن للشيخ الساعدي - رمحه هللا - الكثري من املعرفة ابلقواعد األصولية ، وهو ما يتضح من عدد القواعد اليتيناقشها يف كتابه "تيسري الكرمي الرمحن يف تفسري األحالم".كالم املنان ". تظهر هذه الدراسة أن ال سعديوجد بعض القواعد من كتاب التفسري حنو سورة البقرة. هناك تسعة قواعد )القواعد األصولية( حول الشريعةاإلسالمية ، وسبع قواعد القيدية )القواعد األصولية( حول احلجة القانونية ، واألربعة عشر القواعد )القواعداألصولية( حول اللغات ، وعشر القواعد )القواعد األصولية( حول التأييد. عمالة.
JUAL BELI KULIT HEWAN KURBAN MENURUT HUKUM EKONOMI SYARIAH (Studi kasus Masjid At Taqwa, Sumberbulu, Tegalsiwalan, Probolinggo) Mohammad Arifin; Reza Hilmy Luayyin; Fia Ayuning Pertiwi
JSE: Jurnal Sharia Economica Vol. 2 No. 1 (2023): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v2i1.569

Abstract

Carrying out sacrificial worship by slaughtering sacrificial animals after the implementation of Eid al-Adha and Tasyrik Day prayers is a form of embodiment of our taqwa to Allah SWT and of course with this we are bestowed blessings on the worship. in providing acceptance to the distribution of sacrificial meat, of course, it must be guided by the Qur'an and as Sunnah. The process of slaughtering sacrificial animals carried out by the At Taqwa Mosque, Sumberbulu Village, Tegalsiwalan District, is basically in accordance with the provisions of Islamic law, from the process of receiving sacrificial animals, the slaughter process, the distribution of sacrificial meat to the use of sacrificial animal skins to be worshipped. Buying and selling sacrificial animal skins is in accordance with the provisions of sharia economic law, one of the conditions is that the object of the contract must be valid or not something that is haramed by the Islamic religion. Keywords : Buying and Selling Sacrificial Animal Skins
PENGARUH ZAKAT DIGITAL TERHADAP PENGENTASAN KEMISKINAN DI ERA DIGITAL Farid, Diana; Abdulah Pakarti, Muhammad Husni; Fathiah, Iffah; Hendriana, Hendriana
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.v2i2.679

Abstract

This study aims to investigate the effect of digital zakat on poverty alleviation in the digital era. In the context of growing digitalization, digital zakat becomes an attractive alternative in the collection and distribution of zakat to help those in need. The research method involves searching and analyzing published literature, including scholarly articles, research reports, and books related to digital zakat and poverty alleviation. The data collected will be analyzed qualitatively by identifying key themes that emerge in the relevant literature. These themes will be used to compile research findings that will provide in-depth insights into the influence of digital zakat in alleviating poverty in the digital era. The results of this study show that digital zakat has significant potential in alleviating poverty in the digital era. One of the main advantages of digital zakat is the ease of access and transparency in the collection and distribution of zakat. Through digital platforms, individuals can easily collect and transfer their zakat directly to needy recipients. This reduces the cost and time involved in the traditional process of zakat collection and distribution. In addition, digital zakat also enables a more inclusive approach in alleviating poverty, with more individuals able to participate in giving zakat. This research contributes to the understanding of the effect of digital zakat on poverty alleviation in the digital era. The findings and recommendations from this research can serve as a guideline for zakat institutions, government, and other related organizations in designing and implementing effective digital zakat. It is hoped that this research can encourage further development and wider application of digital zakat for poverty alleviation in the future.
DISKURSUS EKONOMI ISLAM IBNU TAIMIYAH Arifin, Mohammad; Luayyin, Reza Hilmy
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.v2i2.711

Abstract

In addition to syumuliyah (perfect), Islam is a religion that includes harakiyah (dynamic). Islam is a religion that completes all previous beliefs so that it is called perfect, so that all aspects of life are regulated according to its provisions, both those that are aqidah or muamalah. It is known that in the rules of muamalah, Islam regulates in great detail various kinds of human behavior that interact with each other in meeting the needs of life in the world. Thus it guides the market and mechanisms that cover all its principles. In the Khazanah of Islamic Economic Thought, the scholar Ibn Taimiyah studied economics in depth. Including his views on markets, prices, justice, and various other economics. This research uses descriptive qualitative research where the researcher directly examines the books of Ibn Taimiyah and other supporting literature. In this study, researchers found several Islamic economic concepts, namely fair prices/in accordance with the provisions, market mechanisms, and price regulations. Where according to Ibn Taimiyah has several different explanations according to Islamic economic thought.Keywords: Islamic Economics, Ibn Taimiyah, Market Mechanism
ANALISIS AKAD AS-SALAM DALAM JUAL BELI ONLINE DI TOKO CHAGIYA Yahya, Roby Putra; Farid, Diana; Utama, Sofyan Mei; Zilliavirni, Ratu Tiara; Abdulah Pakarti, Muhammad Husni; Hendriana, Hendriana
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.v2i2.736

Abstract

This research discusses the concept of the As-Salam contract in online buying and selling transactions at the Chagiya shop. The As-Salam contract is a form of contract in Islam that has an important role in maintaining the principles of justice and ethics in business. This research aims to analyze the application of the As-Salam contract in the context of online buying and selling at the Chagiya shop, as well as its impact on transaction actors and consumers. Qualitative method with descriptive analysis, this research uses a field approach (Field Research) by making direct observations of the activities carried out by the company. While the data collection techniques in this study used interviews with sellers and buyers at Chagiya Stores and library documentation (Library Research), after the data was collected, data analysis was carried out with several stages, namely data reduction, data presentation and drawing conclusions from what was obtained in this study. The conclusion obtained from this research is that buying and selling with the online system carried out by Toko Chagiya is included in the as-salam system using a written contract via the internet where the as-salam contract can be carried out by the two contract actors who are not in one assembly (place) then applied through pictures of products and types through the Instagram site. Both (contract actors) are brought together on one network site. The Online as-Salam System at Toko Chagiya is concluded that as-salam with an online system is permitted, because it fulfills the pillars and conditions of salam sale and purchase that have been determined by Shara' and fulfills the rules that apply in a transaction. This is reinforced by the opinions of Chagiya Shop buyers regarding the sale of their products, 95% say that the online service is satisfactory, the goods in the picture match the reality, and if there is a mistake from the store, the store is responsible. In addition, in practice, the author concludes that the contract carried out by Toko Chagiya is in accordance with the provisions of Fatwa DSN-MUI No.05/DSN-MUI/IV/2000. Where this online buying and selling does not contain elements that can damage it, such as usury, injustice, fraud and the like.
PASCA NEW NORMAL: PERUBAHAN SOSIAL-EKONOMI PADA GAYA HIDUP MASYARAKAT (PERSPEKTIF SOSIOLOGI) Adawiyah, Robiatul; Luayyin, Reza Hilmy; Pertiwi, Fia Ayuning
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.v2i2.761

Abstract

The Covid-19 pandemic has left considerable social changes, especially after entering the post-new normal era. Business transformation reaches out to innovation in changing lifestyles reduce physical contact with the community, especially in the marketplace sector. This study uses qualitative research in analyzing social changes in people’s lifestyles after Covid. The results of the research show that 1) Increased Health Awareness. 2) Change of Way of Working 3) Distance Education. 4) Use of Technology and the Internet in general has increased significantly. 5) Changes in Consumption Patterns 6) Mental Health Crisis 7) Concern for Social Vulnerability 8) Changes in Social Habits. The lifestyle of people after the new normal era is that people become more aware of their health. And also flexible working models (Hybrid working). Awareness of environmental issues will probably continue to grow.   And concern for social vulnerability is high. Social change due to technological disruption refers to the significant impacts that occur in society as a result of technological developments that disrupt or change the traditional ways people work, communicate and live. Among them are the resulting digital divide, the way people spend their leisure time and establish relationships with friends and family. Social change after the new normal according to Talcott Parson is not only in the health sector but also in the lifestyle of people who are described as increasingly consumptive. The current changes are in accordance with the theory of structural functionalism in this case in accordance with the theory of adaptation, goal attainment, integration, and latency (AGIL). Socio-economic changes in society according to Auguste Comte, the characteristics of social improvement are the increasing welfare of society.
ANALISIS KEABSAHAN JUAL BELI PERSPEKTIF EKONOMI ISLAM DAN KUH PERDATA Arifin, Mohammad; Hilmy Luayyin, Reza; Ayuning Pertiwi, Fia
JSE: Jurnal Sharia Economica Vol. 3 No. 1 (2024): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v3i1.805

Abstract

Buying and selling is a binding agreement between an individual and another individual to exchange goods or assets according to the agreement of both. Through buying and selling transactions, people can provide assistance to each other, strengthen a sense of brotherhood, and create harmonious relationships between people. The validity of a sale and purchase transaction can be indicated by the acceptance of the agreement and the fulfillment of the contract and the specified conditions, one of which is the obligation to deliver and pay the price. On the other hand, Civil Code Article 1458 states that a sale and purchase can be recognized as valid even though the goods have not been delivered and payment has not been made. The purpose of this study is to identify the validity of a sale according to the views of fiqh muamalah and the Civil Code, as well as to highlight the similarities and differences between the two. The research method used is the comparative descriptive method, which aims to describe the validity of a sale and purchase based on the views of the Civil Code and Islamic law. Data were collected through literature studies with a qualitative approach. The results of this study conclude that, first, the validity of buying and selling in the view of fiqh muamalah is determined by the presence of the seller and buyer, the existence of money and goods being traded, the benefits of the transaction, the condition of the goods that can be delivered, and the knowledge of the seller and buyer about the material, shape, size, and nature of the goods. Second, according to the Civil Code, a sale and purchase is considered valid with an agreement between the parties involved. Third, the similarities found are the importance of consensus or agreement in a sale and purchase transaction, as well as the prohibition of coercion and fraud. In addition, the sale and purchase contract must be carried out by parties who have reached the age of majority, and the goods being traded must be in accordance with applicable regulations. However, there are fundamental differences between the views of muamalah fiqh and the Civil Code. According to Islamic law, a valid sale involves the obligation of delivery and acceptance of the goods by the buyer. On the other hand, the Civil Code permits a sale and purchase in the absence of delivery of goods and payment that has not been made. In Islamic law, the agreement of words alone is not enough, but also requires harmony and meeting certain conditions. Whereas in the Civil Code, the validity of a sale and purchase is achieved only by the occurrence of a contract without considering other aspects
PENERAPAN BAGI HASIL DALAM PEMBIAYAAN MUDHARABAH DI BANK MUAMALAT TULUNGAGUNG Bagus Ahmadi; Arif Nur'aini
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.v2i2.829

Abstract

The banking system has a strategic position as a support for the national economy. In Indonesia there are two banking systems, namely conventional banking systems and Islamic banking. In general, saving in conventional and sharia banking is no different, because both banks are required to follow general banking techniques. However, if analyzed more deeply, there are fundamental differences between the two. The first difference lies in the contract and the second difference in the reward. In banking products for profit-sharing contracts there are two, namely the Mudhorobah contract and the Musyarakah contract. However, mudhorobah contracts are rarely used for transactions in all Islamic banks. Of the products available at Islamic banks, one of them is mudhorobah contract financing in Islamic banking. This study has two problem formulations, namely how the terms and mechanisms of mudharabah financing at Bank Muamalat and how the implementation of mudharabah financing at Bank Muamalat. The purpose of this study is the first, to find out the mechanism and mudharabah transactions at Bank Muamalat Tulungagung, second to find out the implementation of mudharabah financing at Bank Muamalat Tulungagung. By using qualitative research methods, the first type of research, location, second source of data, third data analysis and data collection procedures, fourth technique, fifth data validation, and the sixth research stage. Keywords: application and mudharabah contract

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