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Maslahah: Jurnal Manajemen dan Ekonomi Syariah
Published by Sekolah Tinggi Agama Islam Yayasan Pendidikan Ilmu Qur'an Baubau
ISSN : 29882249     EISSN : 29882230     DOI : 10.59059
Core Subject : Religion, Economy, Science,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
bidang Ilmu Manajemen dan Ekonomi Syariah. Jurnal ini berkaitan dengan aspek apapun dari manajemen, namun tidak terbatas pada topik berikut : berbagai perspektif ekonomi Islam, keuangan publik Islam, keuangan Islam, akuntansi Islam, etika bisnis Islam, perbankan Islam, asuransi Islam, pemikiran ekonomi Islam, manajemen sumber daya manusia Islam, keuangan mikro Islam, ekonomi pembangunan Islam, Ekonomi moneter Islam, ekonomi fiskal Islam, pasar modal Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 263 Documents
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Analisis Kaidah Al-Umuru Bi Maqasidiha dan Penerapannya dalam Ekonomi Islam Indah Dwi Agustina Dewi; Raras Elok Manikam Putri Pribadi; Azka Nabilatuz Zahra; Zaskia Syafa Azizah; Salsabila Nur Syifa’; Naysila Khoirotun Nisa; Taufiq Kurniawan
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 4 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i4.2780

Abstract

The principle of "Al-Umuru Bi Maqasidiha," meaning "everything depends on its purpose," is one of the main principles of Islamic law that plays a crucial role in Islamic economic practices. This research aims to outline the meaning, legal basis, branches, and application of this principle in modern economic activities. The method used is a literature review, examining the Quran, Hadith, the opinions of scholars, and contemporary studies related to Islamic economics. The results of the study indicate that intention is a key factor in determining the validity or invalidity of an act, both in worship and transactions. This principle is relevant to addressing contemporary transaction developments, such as Islamic banking, fintech, and digital investment instruments, by emphasizing objectives aligned with the maqasid al-shariah (Islamic principles). The evolving branches of this principle emphasize the role of intention in distinguishing between custom and worship, establishing the validity of contracts, and transforming permissible activities into acts of worship. Its application in Islamic economics encompasses transaction contracts, asset management (mal), and Islamic banking practices, all of which are directed toward achieving benefits and preventing harm. In conclusion, the principle of Al-Umuru Bi Maqasidiha (The Principle of Proper Conduct and the Principle of Good Conduct) is highly urgent in building an Islamic economic system that is just, imbued with integrity, and oriented toward blessings.
Regulasi dan Kebijakan yang Mengatur Lembaga Keuangan Syariah di Indonesia Dara Tsanya Abdul Rohim; Ranti Dwi Aryanti; Cantika Cantika; Ryan Cahya Nugraha; Joni Joni; Raihani Fauziah
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 4 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i4.2785

Abstract

. Sharia financial institutions in Indonesia have experienced significant growth in line with increasing public demand for financial systems that comply with sharia principles. This growth requires clear regulations and policies to create stability, legal certainty, and protection for customers. This article examines the dynamics of regulations governing Islamic financial institutions, from the initial role of Bank Indonesia (BI) to the establishment of the Financial Services Authority (OJK) as the main supervisory and regulatory agency. In addition, this article also discusses the contribution of the National Sharia Council–Indonesian Ulema Council (DSN-MUI) in issuing fatwas that form the basis for the operation of Islamic products and services. With the Financial Services Authority Regulation (POJK) and other related regulations, the supervision of Islamic financial institutions has become more integrated, effective, and adaptive to industry developments. This study confirms that the existence of comprehensive regulations and policies not only strengthens the governance of Islamic financial institutions but also encourages the growth and competitiveness of the Islamic financial industry at both the national and global levels.
Prinsip-prinsip Syariah dalam Operasional Lembaga Keuangan Syariah Laila Maulida; Risa Aprilida; Halwa Halimatusadiyah; Fahmi Abdul Mukhsi; Joni Joni; Raihani Fauziyah
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 4 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i4.2787

Abstract

Islamic financial institutions have emerged as an alternative within the modern financial system, founded on Islamic values and principles. Their main objective is to realize justice, sustainability, balance, and collective welfare in economic activities. This study aims to provide an in-depth explanation of the Sharia principles underlying the operations of Islamic financial institutions, including the prohibition of riba (interest), gharar (uncertainty), and maysir (speculation), as well as the implementation of profit-sharing, justice, transparency, and trustworthiness in all business activities. The research employs a library study method with a qualitative-descriptive approach by analyzing relevant primary and secondary literature sources. The findings indicate that the implementation of Sharia principles not only differentiates Islamic financial institutions from conventional financial systems but also adds significant value through Islamic business ethics, social responsibility, economic sustainability, and protection of customer and community interests. Therefore, a comprehensive understanding of Sharia principles is essential to maintaining the integrity, public trust, and long-term sustainability of Islamic financial institutions in today’s era of global economic development.
Analisis Komparatif Teori Perdagangan Internasional Modern dalam Perspektif Ekonomi Konvensional dan Islam Restia Restia; Ahmad Daffa Dhiyailhaq; Muhammad Zulqurnain; Mohammad Fikal Adhitiya; Nur Kholis Ridwan
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 1 (2026): Januari : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i1.2835

Abstract

This research aims to compare modern international trade theories from conventional and Islamic economic perspectives. The technique used is a literature review through the analysis of sources from journals, books, and related research. The findings of this research indicate that international trade theory in the conventional perspective prioritizes efficiency, specialization, and increased profits through free market mechanisms, such as the theory of absolute advantage, comparative advantage, the H-O factor proportion, and the theory of large-scale economies. However, this approach often overlooks moral aspects, distributional justice, and the risk of exploitation. On the other hand, the Islamic perspective views trade as a muamalah activity based on justice, trustworthiness (amanah), the prohibition of riba (interest), gharar (uncertainty), and maisir (gambling), as well as the objectives of maqasid sharia (the objectives of Sharia). Both views recognize the importance of trade for economic growth but differ in their basic values and ethics. In today's era of globalization and digitalization, the importance of integrating Islamic values into international trade is increasingly understood. This aims to build a more just, sustainable, and inclusive trading system. This research emphasizes the need to apply Sharia principles in contemporary trade practices, including the application of Islamic financial instruments, the development of halal e-commerce platforms, and ethical oversight within global supply chains. In this way, it is hoped that international trade can provide broader benefits to all of humanity, in accordance with the principles of justice and welfare in Islam. The interconnectedness of both approaches in the digital context demonstrates the need to unite Islamic moral values with changes in today's global trade.
Analisis Pengaruh Citra Merek dan Promosi Online terhadap Keputusan Pembelian Produk BSI Oleh Generasi Z di BSI Merr Surabaya Farhan Mahmud Azyumardiazra; Sirajual Arifin
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 1 (2026): Januari : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i1.2839

Abstract

This study, titled “analysis of the influence of brand image and online promotion on generation z’s decision to purchase bsi product at bsi merr surabaya”, examines the effect of brand image (X1) and online promotion (X2) on the purchasing decisions (Y) of Generation Z consumers at the BSI Merr Surabaya branch. Using a quantitative research approach, data were collected from 100 respondents aged 20–27 years through purposive sampling. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the assistance of WarpPLS 7.0 software. The results indicate that both brand image (X1) and online promotion (X2) have a significant and positive influence on Generation Z’s decision to purchase BSI products. Among the two variables, online promotion (X2) shows a stronger impact, highlighting its importance in engaging digitally savvy consumers. These findings emphasize the need for companies to strengthen digital marketing strategies while maintaining a solid brand image to effectively influence purchasing behavior. The study underscores the strategic relevance of optimizing both factors to enhance consumer engagement and drive purchase decisions among Generation Z.
Dampak Nasionalisme Konsumen Terhadap Niat Beli Produk dalam Negeri Al Annur Pramdipta Ramaddan; Amrita Gita Saraswati Devi; Amilia Windy Trihapsari; Dayinta Ahna Diwasasri; Aulia Inggar Nabila; Ayesa Farhana
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 1 (2026): Januari : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i1.2842

Abstract

Using a systematic literature review approach to various previously published studies, this research investigates the influence of consumer nationalism on the intention to purchase domestic products. The purpose of this study is to find patterns of results, influencing components, and the impact of consumer nationalism on their behavior when purchasing local products. Data were collected from articles in relevant national and international journals, particularly those discussing ideas about consumer nationalism, consumer ethnocentrism, and factors determining purchase intention. The findings of the study indicate that consumer nationalism has a positive and significant effect on consumers' intention to purchase domestic goods. A number of variables, including product quality perceptions, price sensitivity, cosmopolitanism levels, and consumer demographics, especially Generation Z, who tend to be involved in the digital world, influence this effect. In addition, this study found that customer awareness, attitudes, and preferences towards local products are influenced by social media and digital campaigns such as the Bangga Buatan Indonesia (Proudly Made in Indonesia) program. The results of this study provide strategic benefits for businesses when they develop marketing plans based on the value of nationalism. These results can also be used as a reference for public policies aimed at increasing consumption and competitiveness of domestic products through the implementation of such policies.
Pengaruh Perkembangan E-Commerce Terhadap Pola Konsumsi Gen-Z Aqsha Raskeyna Tigan; Ayla Shafiyya Cardina; Candro Samuel Nainggolan
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 1 (2026): Januari : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i1.2843

Abstract

This study examines the influence of e-commerce developments on the consumption patterns of Generation Z in Indonesia, the first generation to grow up in the digital era with widespread access to technology, the internet, and social media. Using a literature review method and a qualitative descriptive approach, this study analyzes various factors influencing Gen Z's consumption behavior through e-commerce platforms such as Shopee, Tokopedia, and TikTok Shop. The findings indicate that easy access, attractive promotions such as flash sales, and interactions through social media encourage impulsive consumer behavior. However, e-commerce also has a positive impact in the form of opportunities for the development of digital MSMEs that empower the younger generation economically. Furthermore, the COVID-19 pandemic has accelerated the adoption of online shopping, changing consumption patterns and opening new opportunities for MSMEs. The main challenge faced is the risk of impulsive buying, which can lead to financial and mental health problems. Therefore, financial literacy education and digital marketing regulations are essential to shaping healthy and sustainable consumption patterns for Generation Z. This study provides insights for the government, business actors, and the public in optimizing the benefits of e-commerce while minimizing its negative impacts.
Optimalisasi Pemanfaatan Sampah Bernilai Ekonomis dalam Mendukung Sustainable Development Goals (SDGs) di Kota Medan melalui Kegiatan Daur Ulang Zainarti Zainarti; Zafira Alya Kirana
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 1 (2026): Januari : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i1.2848

Abstract

Waste management has become a critical issue in achieving sustainable development, particularly in urban areas such as Medan City, where the volume of waste continues to increase each year. This study aims to analyze the optimization of economically valuable waste utilization through recycling activities to support the Sustainable Development Goals (SDGs), using a literature-based approach. The method employed is a literature review by collecting, examining, and comparing previous research from national and international journals related to recycling practices, circular economy principles, and urban waste management. The findings indicate that the utilization of economically valuable waste—such as plastic, paper, metal, and organic materials—can generate economic benefits for communities while improving overall waste management efficiency. The reviewed studies also highlight several key factors influencing recycling success, including government policies, the availability of recycling facilities, public awareness, and collaboration with recycling industries. Optimizing waste utilization has been shown to contribute significantly to various SDGs targets, including waste reduction, improved community welfare, and environmental protection. Therefore, strengthening the recycling ecosystem through multi-stakeholder collaboration is essential for Medan City in promoting sustainable urban development.
Keunggulan Kompetitif Investasi Emas Syariah Pegadaian Syariah Cabang Blauran Siska Dwi Oktavia; Sirajul Arifin
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 1 (2026): Januari : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i1.2858

Abstract

This study analyzes the competitive advantage of sharia gold investment at Pegadaian Syariah, Blauran Branch, Surabaya, amidst competition from Bank Syariah Indonesia and sharia fintech. Using a descriptive qualitative approach, primary data was obtained through semi-structured interviews with Branch Managers, marketing staff, and customers, while secondary data came from Pegadaian reports, OJK publications, and the World Gold Council. The analysis employed the SWOT framework and Porter's Five Forces. The results show that Pegadaian Syariah's competitive advantage stems from public trust in its state-owned enterprise (BUMN) status, compliance with sharia principles, certified Galeri24 products, and product flexibility starting from IDR 10,000 supported by the PSDS digital platform. There is a significant opportunity from the 135% year-on-year surge in gold demand, but it faces the threat of intense competition and high buyer bargaining power. Competitive advantage strategies are implemented through digital service differentiation, an inclusive market focus, and cost efficiency. The study recommends intensifying PSDS education, strengthening gold investment literacy, and optimizing pricing to increase competitiveness.
Pemanfaatan E-Commerce dalam Meningkatkan Pendapatan UMKM di Medan Perjuangan Ardiansyah Ardiansyah; Novien Rialdy
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 1 (2026): Januari : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i1.2891

Abstract

The rapid development of digital technology has accelerated the transformation of business models, particularly within the Micro, Small, and Medium Enterprises (MSMEs) sector. One significant form of this transformation is the adoption of e-commerce as a platform for digital marketing and business transactions. This study aims to analyze the role of e-commerce in increasing the income of MSMEs in Medan Perjuangan District. The research employs a qualitative approach using secondary data obtained from government reports, scientific journals, and relevant previous studies. Data were analyzed through content analysis to identify patterns and key findings related to e-commerce utilization among MSMEs. The results show that the use of e-commerce has a positive impact on MSME income by expanding market reach beyond local boundaries, reducing marketing and operational costs, and improving consumer access and transaction convenience. However, the study also identifies major challenges, particularly limited digital literacy, inadequate technological infrastructure, and low readiness among MSME actors, which need to be addressed to maximize the benefits of e-commerce adoption.

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