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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 216 Documents
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KONTRUKSI AKAD PENUKARAN UANG MENJELANG IDUL FITRI DALAM PERSPEKTIF FIKIH MUAMALAH Nanda Shofi Maula; Abdul Khalid Ramadhan; Hamzah Surya Amaludin; Mohammad Saiful Rifai
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: 10.46773/8wswkn98

Abstract

The practice of money exchange before Eid al-Fitr has become a recurring socio-economic phenomenon in Indonesian society, especially through informal exchange services. The increasing public demand for small denomination banknotes has encouraged the growth of exchange services that charge additional fees. From the perspective of fiqh muamalah, this practice remains controversial because it involves the exchange of similar currency with different nominal values, raising concerns regarding contract clarity, transaction objects, and the potential existence of riba. This study aims to analyze the construction of contracts in pre-Eid money exchange practices and evaluate their conformity with the principles of Islamic commercial law. The research employed a qualitative descriptive method using empirical and normative approaches. Data were collected through interviews with three informal money exchange providers in Tulungagung and Blitar and two experts in fiqh muamalah and Islamic financial institutions. The study was strengthened through literature reviews of scientific journals, DSN-MUI fatwas, religious articles from NU and Muhammadiyah, and classical fiqh references. The findings show that legal differences arise from differing views regarding the object of the contract and the position of service fees. Clear separation between exchange transactions and service compensation is essential to ensure compliance with Islamic commercial principles properly.
EDUKASI DIGITAL MARKETING BERBASIS APLIKASI TIK TOK BAGI PELAKU UMKM DI DESA SUKA RAMI, KECAMATAN AIR NIPIS, KABUPATEN BENGKULU SELATAN Feldi Rahman; Desi Isnaini; Andi Harpepen
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: 10.46773/9y29ht44

Abstract

This community service program aims to improve the digital marketing capabilities of MSME actors through the utilization of the Tik Tok application as a product promotion medium in Suka Rami Village, Air Nipis District, South Bengkulu Regency. The activity was motivated by the limited marketing methods used by MSMEs, which still relied on conventional promotion, resulting in limited market reach. The method used in this program was Asset Based Community Development (ABCD), consisting of asset identification, observation, socialization, training, mentoring, and evaluation stages. The materials provided included digital marketing concepts, content marketing, product photo and video creation techniques, video editing using the CapCut application, and promotional strategies through Tik Tok. The results of the program showed an improvement in the understanding and skills of MSME actors in creating business accounts, producing attractive promotional content, editing videos, and independently uploading promotional content on social media. The utilization of Tik Tok provides opportunities for MSME actors to expand market reach, strengthen product branding, and support sustainable business development
CORPORATE SOCIAL RESPONSIBILITY SEBAGAI MANIFESTASI ETIKA BISNIS SYARIAH: ANALISIS NORMATIF DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH Muhammad Zainal Arifin
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: 10.46773/029e5c92

Abstract

Corporate Social Responsibility (CSR) has become an increasingly important concept in modern business practices as a manifestation of corporate responsibility toward social, economic, and environmental concerns. Despite its growing adoption, CSR remains subject to debate because its implementation is often driven by corporate reputation, legitimacy, and regulatory compliance rather than substantive moral responsibility. This study aims to analyze CSR as a manifestation of Islamic business ethics from the perspective of Islamic Economic Law. Employing a qualitative approach, this research adopts a library research design with a normative-conceptual framework. Data were collected through document analysis of scholarly books, journal articles, international guidelines, and relevant fatwas related to CSR, Islamic business ethics, and maqāṣid al-sharī‘ah. The data were analyzed using content analysis, with maqāṣid al-sharī‘ah serving as the primary analytical framework. The findings reveal that CSR demonstrates strong conceptual compatibility with the principles of Islamic business ethics, particularly in terms of justice (al-‘adl), trustworthiness (amanah), social responsibility, and public welfare (maṣlaḥah). However, CSR and Islamic business ethics differ in their philosophical foundations. Modern CSR is primarily rooted in stakeholder and corporate sustainability paradigms, whereas Islamic business ethics is grounded in the principles of tawḥīd, stewardship (khilāfah), and accountability before God. The study further finds that an orientation toward public welfare constitutes the key criterion distinguishing Sharia-based CSR from corporate-oriented CSR. Moreover, maqāṣid al-sharī‘ah provides a comprehensive normative framework for evaluating the substance and effectiveness of CSR programs. The study concludes that CSR can be positioned as an operational manifestation of Islamic business ethics that actualizes the values of justice, trustworthiness, social responsibility, and public welfare within contemporary business practices.
STRATEGI STP DALAM MENINGKATKAN DAYA SAING RUMAH MAKAN PADANG MINANG MURAH DALAM PERSPEKTIF ISLAM Hanik; Nila; Puji; Mohammad
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/p3apdj21

Abstract

This study aims to analyze the implementation of Segmenting, Targeting, and Positioning (STP) strategies in improving the competitiveness of Rumah Makan Padang Minang Murah from an Islamic perspective. The increasing competition in the culinary business sector requires business actors to implement effective marketing strategies in order to maintain customer loyalty and business sustainability. This research employed a qualitative descriptive approach with data collection techniques consisting of interviews, observations, and documentation. The primary data source was obtained from the owner of Rumah Makan Padang Minang Murah. The results of the study indicate that the segmentation strategy focuses on middle-to-lower economic consumers, especially workers and students. The targeting strategy is directed toward loyal customers from the worker and student segments by maintaining food quality and providing good service. Meanwhile, the positioning strategy is implemented by building the image of a Padang restaurant with affordable prices, distinctive taste, and friendly service. From an Islamic perspective, the business has implemented Islamic economic principles such as honesty (ṣidq), justice in pricing, halal product assurance, and avoiding fraudulent practices (gharar). The implementation of STP strategies integrated with Islamic values has proven effective in increasing business competitiveness and maintaining customer loyalty. Therefore, Islamic-based marketing strategies can become an important approach in developing sustainable culinary businesses
STRATEGI PENINGKATAN PENDAPATAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) WISATA PANTAI BATU KUMBANG KABUPATEN MUKOMUKO PERSPEKTIF INDUSTRI HALAL Siti Khodijah; Desi Isnaini; Khozin Zaki
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: 10.46773/3219wp93

Abstract

This study aims to analyze the income conditions of Micro, Small, and Medium Enterprises (MSMEs), the implementation of the halal industry concept, and strategies to increase MSME income in the Batu Kumbang Beach tourism area, Mukomuko Regency. The research employed a qualitative method with a descriptive approach. Data were collected through observations, interviews, and documentation involving MSME owners operating in the tourism area. The findings reveal that MSME income is influenced by several factors, including the number of tourist visits, business location, types of products or services offered, and the quality of customer service. The implementation of the halal industry concept is reflected in the use of halal raw materials, business cleanliness, friendly services, and a tourism environment that aligns with Islamic values. However, most MSME operators have not yet obtained official halal certification. Strategies to increase income include improving product and service quality, intensifying tourism promotion, maintaining environmental cleanliness, and encouraging halal certification ownership. The existence of Batu Kumbang Beach tourism has contributed positively to increasing MSME income and supporting the economic development of the surrounding community.
ANALISIS PENGGUNAAN APLIKASI PEGADAIAN SYARIAH DIGITAL DALAM MENINGKATKAN PELAYANAN NASABAH DI PT PEGADAIAN UPS SIBUHUAN Akhir Saleh Pulungan; Aisah Dani Pulungan; Junda Harahap; Nur Jannah Nasution
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/tdgmdk25

Abstract

The purpose of this research is to examine how PT Pegadaian UPS Sibuhuan uses the Pegadaian Syariah Digital application (PSD) to enhance customer service quality. The research's backdrop is the evolution of digital technology, which forces financial institutions to change in order to offer quick, effective, and sharia-compliant services. Employees and clients of PT Pegadaian UPS Sibuhuan who have utilized the PSD application are the subjects of this descriptive qualitative study, which employs observation, interviewing, and documenting techniques. The study's findings indicate that using the PSD application can facilitate transactions, boost productivity, and provide clients more access to services. Nevertheless, there are still issues with its execution, such users' ignorance of technology and network restrictions in some places. In summary, PSD apps contribute to better customer service. Nonetheless, both new and current users must be made more aware of the usage of PSD applications, especially through ongoing infrastructural and literacy improvements.
TALENT MANAGEMENT AND DEVELOPMENT Nurafifah Sahib; A. M. Luthfi Virgiawan; Abdul Wahab
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/sh093912

Abstract

The development of globalization and digitalization has created increasingly tight competition in the business world. In this situation, the quality of human resources becomes the main factor that determines the success of an organization. This study aims to examine the concepts of talent management and talent development, the importance of implementing these two concepts in modern organizations, the challenges faced in managing talent, as well as strategies for implementing them to improve human resource quality and organizational performance. The research method used is a literature study by reviewing various relevant scientific literature. The findings show that talent management is a strategic process to attract, develop, retain, and place individuals with competencies according to organizational needs, while talent development focuses on the continuous development of employees' skills and potential. Implementing talent management and development has been proven to boost productivity, loyalty, innovation, and the organization's readiness to face changes in the business environment. However, there are some challenges, such as rapid technological advancements, competition in getting the best talent, differences in workforce generational traits, and a lack of organizational commitment to human resource development. Therefore, organizations need to apply an integrated talent management strategy through competency-based recruitment, ongoing training, effective performance appraisal systems, career planning, and building a positive organizational culture.
PENGARUH PELATIHAN DAN ORIENTASI KEWIRAUSAHAAN INDIVIDU TERHADAP MINAT USAHA YANG DIMEDIASI OLEH EFIKASI DIRI PADA UMKM DI KOTA TANGGERANG Mia Rahmawati; C. Zurnali
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/nfy9hw49

Abstract

The growth in the number of MSMEs in Tangerang City has not been matched by adequate entrepreneurial quality, as high initial interest in starting a business is often hindered by psychological doubts and a lack of courage to take action. This study aims to evaluate the role of Self-Efficacy in mediating the influence of Training and Individual Entrepreneurial Orientation on the escalation of Entrepreneurial Interest. An explanatory quantitative approach was used through a survey and purposive sampling of 100 MSME entrepreneurs in Tangerang City, with data analysis conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM). Empirical results demonstrate that Training (β=0.494; p=0.000) and Individual Entrepreneurial Orientation (β=0.403; p=0.000) have a positive and significant effect on Self-Efficacy. A crucial finding confirms that Self-Efficacy operates as the most dominant predictor of Business Interest (β=0.654; p=0.000), while also serving as a robust partial mediator for Training (β indirect=0.323) and Entrepreneurial Orientation (β indirect=0.263). This structural model demonstrates strong predictive power, explaining 71.8% of the variance in Entrepreneurial Interest (R²=0.718). As a concrete recommendation, local governments are advised to immediately redesign training curricula from a mere transfer of cognitive knowledge to a self-efficacy building approach (mental resilience simulation) in order to convert latent intentions into real business actions.
PENGARUH LITERASI KEUANGAN SYARIAH, HALAL LIFESTYLE DAN RELIGIUSITAS TERHADAP MINAT TALANGAN UMROH DI BANK SUMUT SYARIAH Dwi Purnama Sari; Muhammad Irwan Padli Nasution; Andri Soemitra
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/b89pnw80

Abstract

This study aims to analyze the influence of Islamic financial literacy, halal lifestyle, and religiosity on the interest in using Umrah advances among Bank Sumut Syariah customers. The increasing need of the Muslim community to perform the Umrah pilgrimage encourages the importance of providing financing in accordance with Sharia principles. The study used a quantitative approach with a survey method. The study population was 130 customers using the Umrah advance facility of Bank Sumut Syariah as of April 2026. A sample of 98 respondents was determined using the Slovin formula with a 5% error rate. Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS. The results showed that Islamic financial literacy had a positive and significant effect on the interest in Umrah advances (sig. 0.000). Halal lifestyle also had a positive and significant effect (sig. 0.001), while religiosity had a positive and significant effect (sig. 0.000) and was the most dominant variable. Simultaneously, all three variables had a positive and significant effect on the interest in Umrah advances (sig. 0.000). The coefficient of determination (R²) of 0.615 indicates that 61.5% of the variation in interest in Umrah financing can be explained by these three variables. This finding underscores the importance of knowledge, a halal lifestyle, and religiosity in increasing public interest in Sharia-based pilgrimage financing.
ANALISIS PEMELIHARAAN MESIN PRODUKSI DENGAN MENGGUNAKAN METODE RELIABILITY CENTERED MAINTENANCE PADA CV KUSUMA ARGA MUKTI DI YOGYAKARTA Refica Yulianti; Erni Widajanti
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/gh0xdd14

Abstract

CV Kusuma Arga Mukti is a limestone quarrying and processing company that operates six main production machines. Based on 2024 operational data, the company recorded 67 machine failure incidents with a cumulative downtime of 48.64 hours per year. The maintenance system currently in place is predominantly corrective in nature, meaning repairs are only carried out after failures occur, making it incapable of proactively preventing breakdowns. This study aims to analyze the implementation of the Reliability Centered Maintenance (RCM) method as a maintenance strategy. Quantitative data were obtained through direct field observation, in-depth interviews, and company documentation. The analytical stages encompass System Work Breakdown Structure (SWBS), Failure Mode and Effect Analysis (FMEA), Logic Tree Analysis (LTA), and maintenance task selection. FMEA results reveal that the Jaw Crusher body/frame holds the highest Risk Priority Number (RPN = 294), followed by the toggle plate assembly (RPN = 280) and the Bucket Conveyor chain (RPN = 252). LTA findings classify most Failure Modes under Category B (Outage Problem) and Category A (Safety Problem). The recommended maintenance tasks include Time Directed (TD), Condition Directed (CD), and Finding Failure (FF) approaches. The application of RCM is expected to transform the company's maintenance orientation from reactive to proactive, thus reducing machine failure frequency, minimizing unplanned downtime, and sustaining long-term reliability improvement.   

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