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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 108 Documents
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Pengaruh Pemahaman dan Tingkat Kepercayaan Masyarakat terhadap Rendahnya Inklusi Keuangan Berbasis Fintech di Kabupaten Asahan Siregar, Tetty Handayani; Dewi, Nurul Aulia; Muda, Iskandar; Soemitra, Andri; Yusrizal
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2128

Abstract

This study aims to analyze the influence of public understanding and trust levels on low fintech-based financial inclusion in Asahan Regency. The phenomenon of inequality between high digital penetration and low fintech adoption in rural areas is the main research background. The approach used is quantitative with a survey method of 100 respondents spread across 25 sub-districts, using a Likert scale-based questionnaire instrument. Data were analyzed using SmartPLS 4.0 software with the Structural Equation Modeling Partial Least Square (SEM-PLS) approach. The results of the study indicate that public understanding and trust have a significant influence on digital financial inclusion. This is proven through hypothesis testing with t-statistic values ​​above 1.96 and p-value <0.05, respectively. The R-Square value of 0.488 indicates that the two independent variables explain almost all of the variation in financial inclusion. These findings strengthen the Technology Acceptance Model theory and consumer trust theory, and emphasize the importance of literacy strategies and consumer protection in supporting financial inclusion. This study also develops a micro index of fintech inclusion based on the dimensions of access, use, and service quality. These findings are expected to be the basis of policies for local governments, regulators, and industry players in expanding inclusive finance in remote areas more effectively
Efisiensi Syariah dalam Era Digital: Tinjauan Sistematis terhadap Pengelolaan Zakat di Era QRIS dan Fintech Islam Siregar, Tetty Handayani; Majid, Shabri Abd; Sugianto
JSE: Jurnal Sharia Economica Vol. 4 No. 3 (2025): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i3.2137

Abstract

Digital transformation in zakat management is inevitable amidst the development of Islamic financial technology. This study aims to systematically examine the influence of digital technology on the efficiency of zakat management in Indonesia and other Muslim countries. Using the Systematic Literature Review (SLR) approach based on PRISMA 2020, this article analyzes 10 scientific literature published between 2015–2025. The results of the study show that the use of technology such as QRIS, SIMBA, digital wallets, and Islamic fintech can increase the operational efficiency of zakat institutions, especially in terms of service speed, transparency, and cost reduction. However, this effectiveness is not evenly distributed because there are still obstacles in the readiness of human resources, infrastructure, and institutional integration. The study also found that there is no standardized efficiency evaluation model among zakat managers. This study recommends the importance of cross-sector collaboration, strengthening the digital capacity of amil, and integrating digital systems between institutions to create a more efficient and sustainable digital zakat ecosystem. These findings are expected to be a reference in policy making and developing a digital zakat system that is adaptive to the challenges of the 5.0 era
Kontribusi Pemikiran Ekonomi Islam pada Masa Daulah Saljuk: Telaah Terhadap Nizâm al-Mulk dan Imam al-Ghazali Tacong, Hamzah; Haeriyah, Hamzah
JSE: Jurnal Sharia Economica Vol. 4 No. 3 (2025): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i3.2139

Abstract

The Seljuk Empire was an important political entity in Islamic history that not only excelled in the military field, but also played a major role in the development of Islamic science and economics. Figures such as Nizâm al-Mulk and Imam al-Ghazali made significant contributions in formulating Islamic economic concepts that are full of values ​​of justice, ethics, and maqâshid shari'ah. This article aims to trace the history of the Seljuk Empire, examine the economic system implemented, and explore the economic thoughts of these two important figures in the context of Islamic economic development. The method used is a literature study with a descriptive-analytical approach. The results of the study show that Seljuk economic thought, especially by Nizâm al-Mulk and Imam al-Ghazali, provides a strong foundation for modern Islamic economics, especially in terms of fiscal governance, market ethics, and social justice orientation.
IMPLEMENTATION OF SHARIA PRINCIPLES IN THE PREPARATION OF FINANCIAL REPORTS: A CASE STUDY IN ISLAMIC BANKING Darma
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2156

Abstract

This study aims to analyze the implementation of sharia principles in the preparation of financial statements in Islamic banking in Indonesia. Using a descriptive qualitative approach, this study highlights key challenges such as inconsistencies in the application of sharia accounting standards, lack of practitioners' understanding of sharia principles, and the need for harmonization between international and sharia standards. The results show that most Islamic banks have adopted sharia-based reporting models such as murabaha and mudharabah financing. However, there are still gaps in information disclosure and revenue recognition. The role of the sharia committee and the use of information technology have proven important in increasing transparency and accountability. This study recommends improving Human Resources (HR) training and strengthening sharia regulations to ensure the quality and compliance of financial statements with Islamic values.
Pengaruh Pemahaman dan Tingkat Kepercayaan Masyarakat terhadap Rendahnya Inklusi Keuangan Warga Kota Medan dalam Penggunaan Mobile Banking di Era Cashless Society Dewi, Nurul Aulia; Siregar, Tetty Handayani; Muda, Iskandar; Soemitra, Andri; Soemitra, Yusrizal
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2200

Abstract

This study aims to analyze the influence of public Understanding and Trust on the low Financial Inclusion of Medan City residents in using mobile banking in the cashless society era. A quantitative approach was employed, using a survey technique with questionnaires distributed to 100 randomly selected respondents based on the Slovin formula. Data were analyzed using SmartPLS 4.0, with validity, reliability, and path analysis tests. The results reveal that public Understanding (digital financial literacy) and Trust significantly and positively influence Financial Inclusion through mobile banking adoption in Medan City. Despite improvements in technological infrastructure and access, challenges remain in user knowledge and trust in financial technology. Public Understanding, which encompasses both technical use and the ability to make informed financial decisions, was found to be a key determinant. Trust in digital financial services, influenced by factors such as data security, transaction clarity, and transparency, also plays a crucial role in encouraging mobile banking use. Statistical analysis indicates that these variables explain 48.8% of the variation in Financial Inclusion, aligning with the Technology Acceptance Model (TAM) and Trust-Based Acceptance Model (TBAM), as well as previous studies
PERAN SBSN DALAM KEBIJAKAN MONETER SYARIAH: STUDI ATAS OPERASI PASAR TERBUKA OLEH BANK INDONESIA Laili, Sasmita Nurvinda
JSE: Jurnal Sharia Economica Vol. 4 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i2.2252

Abstract

The existence of State Sharia Securities (SBSN) as a sharia financial instrument shows great potential not only in financing development, but also in implementing sharia-compliant monetary policies. Through Sharia Open Market Operations (S-OMO), Bank Indonesia can manage liquidity conditions in the sharia money market flexibly and effectively. SBSN purchase or sale transactions in the secondary market allow Bank Indonesia (BI) to inject or absorb liquidity in accordance with economic dynamics, while maintaining macroeconomic stability. However, there are obstacles such as limited SBSN liquidity in the secondary market and suboptimal policy coordination between fiscal and monetary authorities. For this reason, stronger policy synergy is needed, increasing the number and types of liquid SBSN, and educating market players so that the use of SBSN in monetary policy can be maximized and have a broad impact on national economic stability.
Transformasi SDM Sekolah Melalui Kaizen Menuju Pendidikan yang Kompetetif di Era Ekonomi Global Rizal, Mohammad SYifaur
JSE: Jurnal Sharia Economica Vol. 4 No. 3 (2025): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i3.2142

Abstract

This study discusses the transformation of school human resources (HR) through the application of Kaizen principles as a strategy to realize competitive education in the era of the global economy. This study employs a qualitative method with a descriptive approach, focusing on a case study at SMA Tunas Luhur. Data were obtained through in-depth interviews, observations, and documentation studies of the principal, curriculum vice principal, and infrastructure vice principal. The results of the study indicate that the implementation of the five Kaizen principles—Seiri, Seiton, Seiso, Seiketsu, and Shitsuke—has succeeded in improving the quality of HR through needs-based training, spatial arrangement and teaching materials, cleanliness habits, learning standardization, and instilling sustainable work discipline. The synergy between school leaders and the management team is the main factor in the success of this transformation. These findings reinforce that Kaizen is not only a strategic managerial approach, but also a cultural approach that can form an adaptive, efficient, and high-quality work culture in educational institutions.
PENGARUH TEKNOLOGI DIGITAL TERHADAP HUKUM BISNIS: TANTANGAN DAN PELUANG Nikmah Dalimunthe; Hayati, Putri; Ema Nur Syahfitri; Annisa Khoiri; Nur Aisyah Tanjung; Nelmi Sari; Arvina Wahyuni; Nur Hamidah
JSE: Jurnal Sharia Economica Vol. 4 No. 3 (2025): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i3.2147

Abstract

Penelitian ini mengkaji pengaruh teknologi digital terhadap hukum bisnis, dengan fokus pada tantangan dan peluang yang dihadapi di Indonesia. Perkembangan teknologi seperti kecerdasan buatan, analitik data, dan blockchain telah mengubah model bisnis tradisional menjadi lebih digital. Meski membawa efisiensi dan inovasi, teknologi digital juga menimbulkan celah hukum yang memerlukan adaptasi regulasi, seperti perlindungan data pribadi dan keabsahan transaksi elektronik. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan yuridis normatif dan empiris, melalui studi literatur dan wawancara. Hasil penelitian menunjukkan bahwa meskipun terdapat tantangan signifikan, seperti keamanan data dan ketidakpastian hukum, digitalisasi juga menawarkan peluang untuk menciptakan sistem hukum yang lebih responsif dan transparan. Reformasi hukum yang inklusif dan kolaboratif antara berbagai pemangku kepentingan diperlukan untuk mengatasi dinamika transformasi digital yang terus berkembang.
Dampak Perubahan Anggaran terhadap Output dan Pertumbuhan Ekonomi di Indonesia dalam Sisi Income and Spending Carita, Herlina Reva; Hakim, Haura Khalisa; Saputra, Raden Naufal Hilmi; Fabiola, Ni Komang Mia; Albar, Izzan Shulhan; Rohman, Vanessa Azahra; Nuraya, Ahmad Setiawan
JSE: Jurnal Sharia Economica Vol. 4 No. 3 (2025): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i3.2148

Abstract

This study aims to analyze the impact of budget changes on output and economic growth in Indonesia through the income and spending approach. Using a descriptive method that combines qualitative analysis and secondary quantitative data, this research examines data on state revenue, government expenditure, and Gross Domestic Product (GDP) from 2019 to 2024. The analysis results show that changes in budget allocation, especially during the Covid-19 pandemic, have had a significant effect on aggregate demand and the national economic performance. Although there was a decline in state revenue in 2020, increased government spending in strategic sectors successfully supported economic recovery and growth in the following years. Graphs and tables support the findings that maintaining a balance between revenue and expenditure is key to economic stability. Therefore, appropriate and adaptive fiscal policies are crucial to supporting sustainable economic growth in Indonesia.
Analisis Efisiensi Operasional BMT UGT Sidogiri Sebelum dan Sesudah Implementasi Aplikasi Mobile UGT: Studi Kasus capem Gadang Maulida, Nabila Adenina Zidni; Suhaimah, Suhaimah
JSE: Jurnal Sharia Economica Vol. 4 No. 3 (2025): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v4i3.2152

Abstract

This study aims to analyze efforts to improve operational efficiency at BMT UGT Sidogiri through the use of the Mobile UGT application. The background of this study is the need for digital transformation to accelerate the service process and improve operational quality, especially in Capem Gadang. The method used is qualitative with a case study approach. Data collection was carried out through observation, interviews, and documentation studies of 10 informants consisting of staff and members of BMT UGT Sidogiri. The focus of the study is Capem Gadang. The results of the study indicate that the use of the Mobile UGT application significantly facilitates the transaction process, accelerates services, and improves the accuracy of administrative and financial data. This application also expands the reach of services and increases member satisfaction without causing significant operational constraints. In practice, this study recommends the adoption of digital technology through the Mobile UGT application as an effective strategy in improving operational efficiency and encouraging the growth of technology-based sharia financial services at BMT UGT Sidogiri. In conclusion, the presence of the Mobile UGT application has been proven to be able to improve operational efficiency while providing a positive impact on the development of technology-based sharia financial services

Page 7 of 11 | Total Record : 108

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