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Alimatul Listiyah
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dies@uiidalwa.ac.id
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+6289687474077
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Jl . Raya Raci No. 51 PO Box 8 Bangil Pasuruan Jawa Timur
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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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Optimizing the Use of QRIS as an Alternative Payment Method for MSMEs in Bima City from an Islamic Economics Perspective Masrin Maulana; Rafiuddin Rafiuddin; Dinah Husniah
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.v5i1.4852

Abstract

The development of digital payment systems has encouraged Micro, Small, and Medium Enterprises (MSMEs) to adopt the Quick Response Code Indonesian Standard (QRIS) as a more efficient transaction method. However, its implementation in developing areas such as Bima City still faces challenges, particularly related to digital literacy and social characteristics of the community. This study aims to analyze the optimization of QRIS usage among MSMEs and examine its compliance with Islamic economic principles. This research employs a qualitative approach with a descriptive field research design, where data are collected through observation, interviews, and documentation of MSME actors using QRIS. The results show that QRIS enhances transaction efficiency and convenience while supporting business competitiveness. However, its implementation is not yet optimal due to the dominance of cash transactions, low digital literacy, and usage disparities among age groups. From an Islamic economic perspective, QRIS usage aligns with the principles of riba-free transactions, clarity (gharar avoidance), honesty, and transparency. Nevertheless, these values are still applied practically rather than based on conceptual understanding. Therefore, efforts to improve digital literacy and strengthen awareness of Islamic economic values are needed to achieve an inclusive and equitable payment system.
Bridging the Financing Gap in Halal Tourism Infrastructure: A Legal and Economic Reconstruction of Cash Waqf Linked Deposit (CWLD) Imam Kamaluddin; Ahmad Zaki Al Fanani; Mushaq Syamsuar; Abdul Nafi' Nur Fauzan; Irawan Irawan
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.v5i1.4952

Abstract

The global halal tourism industry serves as a strategic pillar that substantially contributes to Indonesia's Gross Domestic Product. Nevertheless, its development remains impeded by fundamental constraints, particularly a significant financing gap in infrastructure provision. This study aims to conceptually reconstruct the Cash Waqf Linked Deposit (CWLD) instrument to serve as an alternative legal and Islamic economic framework for financing macro-scale halal tourism infrastructure. Employing a qualitative library research approach, this study evaluates data sourced from academic journals, scholarly literature, and regulations of the Financial Services Authority through thematic analysis. The findings propose a multi-contract scheme encompassing Wadi'ah or Mudharabah Mutlaqah during the fund accumulation phase, Mudharabah Muqayyadah for project investment disbursement, and Wakalah bil Ujrah for the Nazhir. This model ensures the preservation of the waqf principal while facilitating highly cost-effective funding for developers. Furthermore, the investment yields are allocated to subsidize halal certification for local Micro, Small, and Medium Enterprises (MSMEs), thereby fostering an integrated and sustainable socio-economic ecosystem within the halal value chain. As a conceptual study, this proposed model has yet to undergo empirical validation. However, the study suggests that CWLD has the potential to serve as an alternative Islamic social finance instrument for supporting halal tourism infrastructure, provided that regulatory safeguards, professional nazhir governance, and project risk mitigation mechanisms are properly established. Future empirical validation utilizing Interpretive Structural Modeling (ISM) or Analytic Network Process (ANP) methodologies is highly recommended to operationalize this framework.
Implementing Sharia Economic Principles in Pesantren-Based Digital Business Activities Dina Sonia; Achmad Farid
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.v5i1.4954

Abstract

The rapid development of digital technology has encouraged Islamic educational institutions, including Pesantren Mamba’ul Falah, to participate in digital entrepreneurship while maintaining Islamic ethical values and institutional traditions. This study aims to analyze the implementation of sharia economic principles in pesantren-based digital business activities and examine how the pesantren manages digital entrepreneurship within a supervised educational environment. This research employed a qualitative descriptive approach using a case study design. Data were collected through interviews, observations, and documentation involving pesantren leaders, administrators, and students engaged in digital business activities. The findings reveal that the implementation of sharia economic principles is reflected in honesty in digital marketing communication, trustworthiness in transaction management, fairness in pricing and customer service, and transparency in online transactions. The pesantren also attempts to avoid prohibited elements such as riba, gharar, and unethical promotional practices through institutional supervision and controlled digital access. In addition, restrictions on smartphone usage demonstrate the pesantren’s effort to balance technological adaptation with moral discipline and educational values. This study concludes that pesantren-based digital entrepreneurship represents a unique model of Islamic economic adaptation that integrates digital business practices with sharia compliance, moral education, and institutional responsibility.
Analysis of MSME Development in the Digital Era Using the Business Model Canvas from an Islamic Economic Perspective Tria Manda Sari; Reni Ria Armayani Hasibuan; Nurbaiti Nurbaiti
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.v5i1.5053

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have significant potential to leverage technology to expand their markets and become more competitive in the digital era. This study uses the Business Model Canvas (BMC) approach to examine MSME development strategies in the digital era within the Medan Orang Bazar Community. A descriptive qualitative research methodology was employed, and information was collected through observation, interviews, and documentation. The Miles and Huberman model was used to analyze the data. The results indicate that the MSME development plan within the Medan Orang Bazar Community centers on maximizing the nine components of the Business Model Canvas. Young individuals and young families active on social media constitute this customer segment, offering distinctive local goods at affordable prices and attractive packaging. The plan was developed in collaboration with local communities and influencers, and using digital platforms such as Shopee, Instagram, and TikTok. Active engagement on social media and loyalty programs maintain customer relationships. This approach demonstrates how MSMEs can utilize the Business Model Canvas as a roadmap to develop their companies creatively, effectively, and sustainably in the digital era. The findings also revealed that some MSMEs in this community inherently apply Islamic business principles, particularly in terms of offering halal products, honest promotional practices, and community-based economic empowerment (taʿawun), indicating that the BMC framework can be complemented with a sharia-based business development perspective.

Page 5 of 5 | Total Record : 44

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