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Alimatul Listiyah
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Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah
Published by Universitas Islam Internasional Darullughah Wadda'wah
ISSN : 28292650     EISSN : 28293924     DOI : https://doi.org/10.38073/dies
Core Subject : Religion, Economy, Education,
Religion Economics, Econometrics & Finance Other
DIES: Jurnal Pemikiran, Penelitian dan Kajian Ekonomi Islam, adalah jurnal yang diterbitkan oleh Program Studi Ekonomi Syariah Institut Agama Darullughah Waddawah Bangil Pasuruan, diterbitkan dua kali setahun pada bulan Februari dan Agustus. Jurnal ini memfokuskan ruang lingkupnya pada isu-isu ekonomi Islam dan filantropi Islam. Kami mengundang para ilmuwan, cendekiawan, peneliti dan profesional di bidangnya untuk mempublikasikan hasil kajian dan hasil penelitian dalam jurnal kami. Jurnal ini menerbitkan penelitian empiris dan teoritis berkualitas tinggi yang mencakup semua aspek Perekonomian Islam. Jurnal ini berfokus pada pengembangan Pemikiran, Penelitian dan Kajian Ekonomi Islam, baik lokal, nasional maupun internasional melalui publikasi artikel artikel penelitian dan laporan penelitian.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 44 Documents
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Dampak Kemiskinan Terhadap Kesejahteraan Masyarakat Kotanopan Secara Ekonomi Islam Hardana, Ali; Siregar, Sulaiman Efendi; Hasibuan, Lismawati; Utami, Try Wahyu
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2024): Dalwa Islamic Economic Studies
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v3i1.1520

Abstract

This research is descriptive qualitative field research. This field research was conducted in Kotanopan Village, Mandailing Natal Regency, North Sumatra Province. This research used the side quota method consisting of 15 quotas taken from 3 RTs in Hamlet 001, as well as interviews with the village head. Next, this research problem was analyzed using a qualitative data analysis method that uses a deductive thinking approach. The research results show that several causes of poverty in Kotanopan Village are as follows: low level of education; lack of funds; and family responsibilities. Based on these factors, poverty has the impact of losing people's welfare rights such as clothing, food and shelter, because some people still live in semi-permanent homes, losing the right to education because parents cannot teach their children, and losing the right to get a decent job because the head of the family does not have enough education so they cannot pay their children's school fees.
Implementasi Akad Musyaraah Mutanaqisah dalam Kredit Pemilikan Rumah pada Perbankan Syariah Agustin, Dhea; Hastriana, Anna Zakiyah
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 3 No. 2 (2024): Dalwa Islamic Economic Studies
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v3i2.2236

Abstract

The demand for home ownership continues to rise, prompting Islamic banking to create financing products through the Musyarakah Mutanaqishah contract as an alternative in Home Ownership Credit. This study aims to analyze the implementation of the Musyarakah Mutanaqishah contract within the context of Islamic banking. The research method used is qualitative descriptive. The findings indicate that while the Musyarakah Mutanaqishah contract is expected to enhance home accessibility for the public, its implementation in Islamic banks does not meet the regulations set forth in Fatwa DSN-MUI No. 73/DSN-MUI/XI/2008, particularly concerning the lack of capital contribution. As a result, the contract is deemed void despite being legally valid. This research contributes to providing insights into the challenges faced in implementing the Musyarakah Mutanaqishah contract within the Islamic banking system in Indonesia.
Strategi UMKM CV. Najwa dalam Meningkatkan Daya Saing Pemasaran Pie Susu Khas Bali Fauzi, M. Asif Nur; Rohmah, Yusfika Fatimatur; Khoiriyah, Khoiriyah; Machrus, Ali; Nuruddin, Nuruddin
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 3 No. 2 (2024): Dalwa Islamic Economic Studies
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v3i2.2462

Abstract

Micro, Small and Medium Enterprises (MSMEs) are considered to be the driving force of the economy in Indonesia, especially in Denpasar. This can be seen from the large amount of state foreign exchange income coming from MSMEs. In the last decade, many micro businesses have emerged, whether in the form of culinary businesses, fashion, agribusiness, and others. Research with the title "Implementation of Management Systems in CV MSMEs. Najwa in the Production of Bali Gebyar Milk Pie in Denpasar", has a problem formulation on how to implement the CV management system. Najwa is good at production management, human resource management, marketing management and financial management in producing typical Balinese souvenirs, namely milk pies, seeing the island of Bali as a tourist destination so it is visited by many tourists. The type of research used is qualitative research, the data collection methods used are observation, interviews and documentation. The research results show that implementing management in a company, both large and small companies, is very necessary, because in general every company wants its business to continue running and developing in accordance with the company's goals, namely to make a profit.
Green Generation: Inisiasi Gen Z dalam Membangun Revolusi Green Economy bidang Pangan Fahrillah, Ahmad; Kurniawan, M. Edo; Barory, Chulil; Yudowati , Dewi Mumpuni
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 4 No. 1 (2025): Dalwa Islamic Economic Studies
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v4i1.3342

Abstract

The global food crisis, climate change, and environmental degradation present real challenges that require innovation and the transformation of the food system toward a Green Economy. Generation Z, characterized as digital natives who are highly adaptive to technology and deeply concerned about environmental issues, has the potential to become a Green Generation leading the green economic revolution in the food sector. This study aims to examine Gen Z’s initiatives in building a Green Economy in the food sector, analyze the strategies implemented, and identify supporting and inhibiting factors. A descriptive qualitative approach was applied through literature review, policy analysis, and case studies on young farmer programs and sustainable food innovations. The findings reveal that Gen Z contributes to the development of precision agriculture, organic farming, and diversification of environmentally friendly food products based on local wisdom. These initiatives strengthen national food security, create green business opportunities, and establish a sustainable food ecosystem. In conclusion, Gen Z’s active role in the food sector is the key to accelerating the Green Economy revolution, with success highly dependent on policy support, technical assistance, and cross-sector partnerships.
The Transformation of Arab Philanthropic Economy from Pre-Islamic to Post-Prophetic Period: A Historical-Managerial Study and Futuristic Relevance Assalwa, Shafira Amalia; Ma'arif, Ilham Fikri
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 4 No. 1 (2025): Dalwa Islamic Economic Studies
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v4i1.3347

Abstract

The inequality of wealth distribution, market exploitation, and the crisis of social values in contemporary global society point to the need for an alternative value-based economic model. This study aims to examine the transformation of the Arab economic system from the exploitative pre-Islamic era to the prophetic economic model during the time of the Prophet Muhammad, characterised by justice and spiritual orientation. This research employs historical, value-based management, and futuristic approaches. Through a review of classical and contemporary literature, as well as a critical analysis of the Prophet's economic practices, it was found that the early Islamic economic system was not only grounded in revelation (the Qur'an and Sunnah) but also responsive to social reality with a humanistic and inclusive approach. The Prophet established the foundations of micro and macroeconomics based on the values of tawhid, justice, and equitable wealth distribution, as demonstrated through the prohibition of usury, market supervision, and the application of philanthropic concepts such as zakat, infaq, sadaqah, and waqf. The results indicate that prophetic economics is integrative and adaptable to changing times, serving as a prototype for a more ethical and sustainable future economic system. This finding serves as the basis for reconstructing an Islamic economic model that is relevant to contemporary global civilisation.
Analisis Strategi Pelayanan untuk Meningkatkan Kualitas Layanan Berdasarkan Perspektif Ekonomi Islam Maimunah, Maimunah; Rofiuddin, Mohammad
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): Dalwa Islamic Economic Studies
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v4i2.3533

Abstract

Fierce competition in the healthcare industry requires service providers, including clinics, to prioritize service quality that is integrated with Islamic ethical values. Healthcare in Islam is viewed as the implementation of humanitarian values and worship, which must be based on the principles of Shiddiq, Amanah, Fathanah, and Tabligh (SAFT). This study aims to identify Dalwa Medical Clinic's service strategies and analyze their effectiveness in improving service quality based on the Islamic economic perspective. The study uses a qualitative approach with descriptive field research, where primary data is obtained through in-depth interviews with leaders, staff, and patients. The results show that the clinic's strategies, which focus on the quality of facilities, human resources, and patient relations, are in line with the principles of Shiddiq, Amanah, Fathanah, and Tabligh. However, significant obstacles were found in terms of operational efficiency, namely long waiting times at the pharmacy due to limited human resources. This gap indicates the need for managerial improvements to achieve the principle of Justice ('Adl) in service. The clinic's strategy is generally in line with Islamic ethics, but its effectiveness is not yet optimal, and improvements in human resource allocation and a more formal SOP structure are recommended.
Implementing the Eisenhower Matrix to Enhance Financial Stability and Optimize Learning Concentration: A Case Study of Mahasantri Mohammad Rofiuddin; Achmad Istighfaransyah; Adnanda Harun Yahya
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2026): June
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v5i1.4666

Abstract

Mahasantri students who simultaneously pursue higher education while living in Islamic boarding schools face dual financial pressures that may trigger psychological stress, cognitive overload, and reduced learning concentration. Although previous studies have extensively examined the relationship between financial stress and academic performance among university students, limited attention has been given to the financial management challenges experienced by mahasantri within Islamic boarding school ecosystems. This study aims to analyze the financial allocation patterns of mahasantri based on the Eisenhower Matrix framework and to examine behavioral changes and learning-related outcomes following the implementation of a priority-based financial management strategy. This study employed an exploratory qualitative approach with a pre-post observational design. Fifteen mahasantri from Darullughah Wadda’wah Islamic Boarding School and International Islamic University were selected using purposive sampling techniques. Data were collected through semi-structured interviews, consumption pattern observations, monthly budget reconstructions, and daily expenditure records over an eight-week period. The analysis was conducted by classifying respondents’ expenditures into the four quadrants of the Eisenhower Matrix to compare financial allocation patterns before and after the intervention. The findings reveal that, during the baseline phase, respondents’ expenditures were predominantly concentrated in Quadrant III (35%) and Quadrant IV (15%), reflecting socially driven and impulsive spending behaviors, while long-term educational investment in Quadrant II accounted for only 5% of total monthly allocations. Following the intervention, Quadrant II allocations increased significantly to 20%, accompanied by a reduction in Quadrant III expenditures to 15% and Quadrant IV expenditures to 5%. These behavioral changes were associated with reduced financial anxiety, improved cognitive stability, better access to learning resources, and enhanced continuity in muroja’ah (lesson review) and academic concentration.
Global Islamic Banking Efficiency: The Impact of Profitability, Liquidity, Solvency, and Technology Alif Ahmad Sulthoni Putra Rofiqi; Guntur Kusuma Wardana
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2026): June
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v5i1.4686

Abstract

This study aims to analyze the influence of profitability, liquidity, solvency, and technology on the efficiency of Islamic banks worldwide. This research is motivated by the importance of operational efficiency in enhancing the performance and competitiveness of Islamic banking amid global economic dynamics and the rapid development of digital technology. The variables used include profitability proxied by Return on Assets (ROA), liquidity by Financing to Deposit Ratio (FDR), solvency by Capital Adequacy Ratio (CAR), and technology (measured via IT cost proxy) as a supporting factor for bank operational efficiency. This study employs a quantitative approach using the Two-Stage Data Envelopment Analysis (DEA) method, with the first stage measuring the efficiency levels of Islamic banks and the second stage applying Tobit regression to analyze the influence of independent variables on efficiency. The data used are secondary data from global Islamic banks registered with the Islamic Financial Services Board (IFSB) for the period 2019–2024. The results indicate that profitability has a significant positive influence and liquidity has a significant negative influence, while solvency and technology show no significant influence on the efficiency of Islamic banks, thus requiring sound financial management and optimal utilization of technology to improve the performance and competitiveness of Islamic banking globally.
Harmonization of Consumer Protection in Dropshipping Transactions: Fiqh Muamalah and Positive Law Approaches to Defective E-Commerce Products Ismiyatus Tsaniyah; Moh. Karim; Ahmad Musadad
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2026): June
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v5i1.4718

Abstract

This research seeks to examine and align consumer protection in dropshipping practices through the perspectives of Islamic jurisprudence (fiqh muamalah) and Indonesian positive law, particularly concerning liability for defective products in electronic commerce. A qualitative method was applied using a combination of normative legal analysis and empirical inquiry. The normative approach reviews relevant regulations such as the Consumer Protection Law (UUPK No. 8/1999), the Electronic Information and Transactions Law (UU ITE), and fiqh muamalah principles including salam, wakalah, and samsarah contracts. Empirical data were obtained through semi-structured interviews with two dropshipping practitioners in Modung District, Bangkalan Regency. The results of the study show that the prevailing practice of dropshipping generally does not meet the principle of contract certainty in fiqh muamalah. From a positive law perspective, dropshippers are still positioned as sellers who are obliged to bear losses due to defects. Therefore, this study emphasizes the importance of formulating a harmonization model through the use of contracts that are explicitly in accordance with Islam, as well as affirming the legal responsibility of dropshippers. Thus, it is hoped that dropshipping practices can be declared valid under sharia law while reflecting the values of fairness, transparency, and consumer protection.
Repositioning Outsourcing as an Employment Alternative: An Analysis of the Ijarah Contract at PT Berkat Rezki Nusantara Siswandi Siswandi; Muzalifah Muzalifah
Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2026): June
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/dies.v5i1.4722

Abstract

This study aims to analyze outsourcing practices as an alternative to traditional employment from an Islamic economics perspective through the Ijarah al-A‘mal contract approach and to assess the resulting maslahat. This study employs a qualitative approach with a case study design at PT Berkat Rezki Nusantara. Data were collected through in-depth interviews, observations, and documentation, then analyzed using the Miles and Huberman interactive analysis model. The results indicate that the implemented outsourcing practices have fulfilled the basic elements of the Ijarah contract, including clarity regarding the parties involved, the scope of work, wages (ujrah), and mutual agreement. The resulting employment relationship also demonstrates a tripartite relationship between the outsourcing firm, the client company, and the workers, which, from a fiqh muamalah perspective, can be understood as a form of parallel ijarah. Furthermore, outsourcing functions as an adaptive labor mechanism in facilitating access to employment and ensuring income stability, particularly for workers affected by changes in labor policies. From an Islamic economics perspective, this practice generates tangible maslahat, particularly in maintaining workers’ economic stability, although limitations remain in the form of disparities in benefits and job security compared to permanent employees. This study concludes that outsourcing cannot be evaluated dichotomously as a system that is purely detrimental or beneficial but must be understood contextually. As long as it is implemented based on the principles of justice, transparency, and clarity of contracts, outsourcing can be repositioned as a relevant labor mechanism from an Islamic economics perspective.

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