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Ana Billah
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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 108 Documents
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PENGARUH HARGA, RELIGIUSITAS, DAN RESILIENSI TERHADAP MINAT BELI PEDAGANG SAYUR KELILING KEC. WONOMERTO KAB. PROBOLINGGO Afthoni Zein, M. Fathan; Luayyin, Reza Hilmy; Ardli, Muhammad Nabat
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.v2i2.1250

Abstract

In the world of marketing, products that meet consumer needs and wants will survive in the market. Therefore, consumers tend to consider price and purchase products from well-known brands because of the lower risk. To address this, it is important to understand the influence of variables such as price, religiosity, resilience, halal logo certification, and ethics. This research is a descriptive qualitative study using a questionnaire with a Likert scale of 1-4. The study population consists of mobile vegetable vendors' customers, with a sample of 50 respondents in Wonomerto District. The data were analyzed using SmartPLS technique. The variables analyzed include price, religiosity, resilience, and ethics. The results show that price has a positive and significant influence on the purchase intention towards mobile vegetable vendors, and religiosity has a positive and significant influence on the purchase intention towards mobile vegetable vendors. However, resilience does not have a positive and significant influence on the purchase intention towards mobile vegetable vendors. Keywords: Mobile Vegetable Vendors , Religiosity, Resilience, Price,.
Analisis PEMANFAATAN TEKNOLOGI DALAM PENGELOLAAN ZAKAT DI ERA DIGITAL nazila, jihan
JSE: Jurnal Sharia Economica Vol. 3 No. 2 (2024): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v3i2.1369

Abstract

This study aims to analyze the optimization of digital technology in zakat management in Indonesia, identifying the benefits and challenges of its implementation. The main issue addressed is the low realization of zakat collection compared to its potential, despite digital technology's capacity to improve efficiency and transparency in zakat management. The novelty of this study lies in its comprehensive analysis of opportunities and barriers in applying technology to the zakat ecosystem in the digital era. Using a literature review method, the study examines various sources, including academic journals, zakat institution reports, and relevant articles, to gain insight into the implementation of technology in zakat management. The findings show that digital technology, such as mobile applications, blockchain, and big data, facilitates zakat collection and distribution. However, challenges remain, including data security, low digital literacy, and limited public trust in digital zakat systems. Recommendations focus on regulatory strengthening and public education to maximize the benefits of digital zakat.
AL-FALAH SEBAGAI PENANGKAL SISTEM EKONOMI KAPITALIS ibrahim, bukhari; Kahfi, Muhammad; Muchlis, Saiful
JSE: Jurnal Sharia Economica Vol. 3 No. 2 (2024): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v3i2.1574

Abstract

Current economic developments are generally pioneered by the spirit of capitalism. This study discusses the concept of al-falah in counteracting capitalism in the economic system. This study uses a Qualitative-Descriptive approach method with techniques through literature analysis involving a review of various sources. The results of the study indicate that al-falah can make the economy free from the spirit of capitalism that only benefits certain parties. Therefore, the concept of al-falah, and capitalism which is an obstacle to Islamic economics, is still an interesting discussion to study. Capitalism is an economic system based on the principle of individual freedom to carry out economic activities. This system has provided many benefits to society, but also has a number of weaknesses, such as economic inequality, exploitation of resources, and financial crises. Al-falah is a concept of welfare in Islam that includes material and spiritual welfare. This concept offers solutions to a number of weaknesses of capitalism. By prioritizing moral values ​​and justice, al-falah can realize equitable and sustainable welfare. And is able to deliver a fair Islamic economy in the socio-economic field, so that it becomes a solution to the failure of the Capitalist economy.
PERILAKU MAHASISWA DALAM MENENTUKAN PRODUK SYARIAH (Studi Pada Mahasiswa Ekonomi Syariah) Luayyin, Reza Hilmy; Muhammad Nabat Ardli; Ahmad Syaifuddin Romli
JSE: Jurnal Sharia Economica Vol. 3 No. 2 (2024): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v3i2.1625

Abstract

This study aims to analyze student behavior in determining sharia products using the Network Process (ANP) Analysis approach. The subject of the study was 73 Sharia Economics students who were respondents in this study. A qualitative descriptive approach is used to understand factors that affect student preferences, such as religiosity, knowledge, economic benefits, social environment, and constraints. Data were obtained through questionnaires that were analyzed using paired comparison matrices, normalization, and consistency calculations. The results of the study show that consumer behavior refers to the way individuals or groups make decisions to buy, use, and dispose of goods or services. It covers various aspects that influence purchasing decisions, such as: a). Decision Making Process b) Factors influencing c) Market Segmentation d) Trends and Changes. The results showed that religiosity had the highest priority weight (50.28%), followed by knowledge (26.02%), economic benefits (13.43%), social environment (6.78%), and constraints (3.48%). This shows that the aspect of religiosity is the main factor that affects students' preferences in choosing sharia products, while knowledge plays an important role in improving sharia financial literacy. The consistency of the data obtained was tested using the Consistency Ratio (CR), which yielded a value of 0.0835, indicating that the comparison data was consistent.
UMER CHAPRA'S ISLAMIC ECONOMIC PHILOSOPHY AND RELEVANCE WITH FINANCIAL TECHNOLOGY rifqi khairul anam
JSE: Jurnal Sharia Economica Vol. 3 No. 2 (2024): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v3i2.1649

Abstract

This research explores the intersection of artificial intelligence in financial technology and Umer Chapra's Islamic economic philosophy, focusing on ethical implications. Through a qualitative descriptive approach and comprehensive literature review, the study analyzes how AI-powered financial systems can be designed and implemented to uphold the Maqasid al-Shariah, emphasizing justice, equity, social responsibility, and fulfillment of human needs. Findings suggest that AI has the potential to enhance financial decision-making, promote ethical conduct, and address social issues like poverty and unemployment, aligning with Chapra's principles by improving credit assessments, fraud detection, and personalized financial advice. The study concludes that integrating AI in Fintech with the Maqasid offers an opportunity for greater economic stability and social responsibility by prioritizing the preservation of religion, life, intellect, lineage, and property, while acknowledging the need for robust governance frameworks to mitigate potential ethical challenges and ensure responsible AI development.
Peran dan Otoritas Dewan Pengawas Syariah dalam Mengawasi Aktivitas Transaksi pada Lembaga Keuangan Syariah di Indonesia mei santi; Reorycha Risma Putri
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/jse.v4i1.1640

Abstract

The Sharia Supervisory Board (DPS) plays a strategic role in ensuring that the operations of Islamic financial institutions in Indonesia comply with Sharia principles. DPS was established by the Indonesian Ulema Council (MUI) throught the National Sharia Council (DSN) in 1999 to oversee Sharia compliance in the banking and non-bank financial sectors. The primary roles of DPS include providing advice to management, supervising operational activities, end ensuring that the products and services offered comply with DSN fatwas. The legal basis for the existence of DPS is outlined in Law No. 40 of 2007 concerning Limited Liability Companies and Law No. 21 of 2008 concerning Islamic Banking. This study uses a library research method, where library data serve as secondary sources, meaning that the researcher obtains materials from second-hand sources rather than original first-hand data from the field. The study’s findings indicate that DPS plays a strategic role in maintaining the Sharia integrity of Islamic financial instituutions, both through transaction supervision and public education on Islamic finance. DPS also acts as an advisor, helping financial intitutions develop products that meet market needs without violating Sharia principles.
Strategi Pengasuh Dalam Pembentukan Karakter Filantropis di Panti Asuhan Putra Muhammadiyah Probolinggo Ardli, Muhammad Nabat; Reza Hilmy Luayyin; Romli, Ahmad Syaifuddin
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/jse.v3i2.1667

Abstract

This research is a field research aimed at knowing and understanding the role and strategy of caregivers in shaping philanthropic characters in the foster children of Muhammadiyah Probolinggo orphanage. This study uses a qualitative descriptive approach with a type of field study research that takes place naturally in the original environment of the research object (natural setting). The results of the study show that the role of caregivers in the formation of philanthropic character in foster children in the Muhammadiyah Putra Orphanage in Probolinggo City is achieved through several holistic and integrated approaches in the role, including 1) the caregiver as the caregiver itself and also the caregiver as a companion as well as a parent so that they can have emotional, psychological, empathetic and social closeness. 2) The strategy of caregivers in shaping philanthropic character in Muhammadiyah boys' orphanages is to provide several programs and activities called role simulations, emotional reflections, volunteer days, and support for friends. 3) Challenges faced by caregivers in the formation of philanthropic character in Muhammadiyah orphanage foster children include psychological, social, and cultural challenges. The psychological challenges obtained are in the form of the mentality of the recipients of assistance, and the social challenges obtained are in the form of age differences in foster children, while cultural challenges are in the form of the backgrounds of foster children who come from rural communities that also lack proper education.
LUQATHAH DALAM PRAKTIK EKONOMI SANTRI: KAJIAN HUKUM ISLAM TERHADAP JUAL BELI PAKAIAN DI BAZAR OPPM GONTOR Vina Fithriana Wibisono; Muhammad Abdul Aziz; Bagus Pratama
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/jse.v4i1.1737

Abstract

Penelitian ini bertujuan untuk mengetahui praktik jual beli barang luqathah (temuan) menurut hukum Islam, dengan studi kasus pada Bazar Pakaian oleh Bagian Laundry Organisasi Pelajar Pondok Modern (OPPM) Darussalam Gontor. Penelitian ini menggunakan metode kualitatif deskriptif dengan teknik observasi, wawancara terstruktur, dan dokumentasi. Hasil penelitian ini menunjukkan bahwa jual beli luqathah (temuan) dalam bazar ini diperbolehkan dalam perspektif hukum Islam, karena telah memenuhi rukun dan syarat jual beli. Hal ini juga sesuai dengan Mazhab Syafi'i, bahwa barang yang nilainya kurang dari satu dinar tidak diharuskan untuk diumumkan selama satu tahun, selama barang tersebut masih dalam kondisi layak. Secara hukum, pakaian luqathah (temuan) telah menjadi milik Bagian Laundry dan sah untuk dijual. Namun, bazar bukanlah pilihan utama dalam menangani luqathah; melainkan prioritas utama adalah mengumumkannya secara rutin kepada seluruh santri. Peneliti merekomendasikan agar Bagian Laundry memperbaiki sistem manajemen, terutama dalam kualitas pengumuman, agar pakaian yang tertinggal atau tertukar semakin berkurang.
INNOVATIVE STRATEGIES OF THE HALAL INDUSTRY IN ADVANCING INDONESIA’S ECONOMIC GROWTH TRANSFORMATION Miftah, Surur; Abdurahman; Naili Nuril Aufa Manik
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/jse.v4i1.1813

Abstract

Indonesia, as the country with the largest Muslim population in the world, possesses significant potential for developing the halal and sharia industries. However, this potential has not been fully optimized, particularly in the context of global competition. The halal nature of a product is a primary requirement for Muslim consumers, not only for food and pharmaceuticals but also for other consumer goods. The halal industry is now experiencing rapid growth, evolving beyond halal products to encompass a halal lifestyle. This research employs a normative legal approach with a library research method to delve deeper into the development of the halal industry in Indonesia. The findings reveal several noteworthy insights, including: 1) Increased Contribution to the National GDP. 2) Enhanced Global Competitiveness through Technological Innovation. 3) Economic Multiplication Effects and Support for MSMEs. 4) Sustainability and Green Industry in Halal Products.
IMPLEMENTSI ETIKA BISNIS ISLAM DALAM PROSES PRODUKSI: STUDI KASUS PADA INDUSTRI UMKM BERKAH ABADI muhammad noorhasan ulul abshor; Catur Wahyono
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/jse.v4i1.1820

Abstract

This study aims to analyze in depth the implementation of Islamic Business Ethics in the operations of Berkah Abadi, a micro, small and medium enterprise (MSME) located in Pacitan, East Java, and engaged in the snack chip production industry. Using a descriptive qualitative approach, this study collected data through in-depth interviews with the owners and employees of Berkah Abadi, as well as conducting observations of the production process and daily business interactions. The focus of the study is to identify and understand how the fundamental principles of Islamic Business Ethics, which include honesty in transactions and product information, fairness in relationships with suppliers and employees, trustworthiness in maintaining quality and customer trust, compliance with sharia in every aspect of finance and operations, social responsibility towards the surrounding community and the environment, and efforts to achieve ihsan in providing the best service and quality, are manifested in real terms in the business practices of Berkah Abadi MSME. The findings of this study indicate that Berkah Abadi not only makes Islamic Business Ethics a set of moral values, but also as an operational strategy integrated into its entire business value chain. The implementation of these principles contributes significantly to building a positive image of the company in the eyes of customers and the community, increasing the level of consumer trust in the products produced, strengthening good relationships with suppliers and employees, and creating an ethical and productive work environment. This study seeks to find out how compliance with Islamic values plays a role in creating blessings and sustainability of the Berkah Abadi MSME business amidst market competition. The impact of this study provides a model for the implementation of Islamic Business Ethics that can be emulated by other MSMEs, especially those operating in Indonesia, in an effort to build a business that is not only economically profitable, but also has a positive social and spiritual impact.

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