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Zainul Anwar
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ziananwarza@gmail.com
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iltizam@ibrahimy.ac.id
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Jl. KHR. Syamsul Arifin No.1-2, Sukorejo, Sumberejo, Kec. Banyuputih, Kabupaten Situbondo, Jawa Timur 68374
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Iltizam : Jurnal Ekonomi dan Keuangan Islam
Published by Universitas Ibrahimy
ISSN : 30257107     EISSN : 30257093     DOI : https://doi.org/10.35316/iltizam
Core Subject : Religion, Economy, Education, Social, Engineering,
Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences
Iltizam adalah jurnal ilmiah yang memiliki fokus dan cakupan pada hasil riset di bidang Ekonomi, keuangan, dan bisnis, terutama dari perspektif syariah. Iltizam merupakan salah satu jurnal ilmiah yang ada di lingkungan Universitas Ibrahimy. Iltizam diharapkan bisa menjadi wadah terbuka bagi penyebaran ilmu pengetahuan dan teknologi antar perguruan tinggi, dan penunjang bagi peningkatan mutu tridharma Universitas Ibrahimy. Iltizam akan terbit dua kali per tahun, yakni pada bulan Januari dan Juli. e-ISSN : 3025-7093 (Online). p-ISSN : 3025-7107 (Cetak).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 60 Documents
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MENGHADAPI REALITAS: APAKAH PERTUMBUHAN PENDUDUK MENJADI KATALISATOR ATAU ANCAMAN BAGI PEMBANGUNAN EKONOMI YANG BERKELANJUTAN DI NEGARA BERKEMBANG? Ananda Nayla Rahma Esafitri; Wahiddin Choiri Kurniawan; Heni Noviarita
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7055

Abstract

Population growth in developing countries is an inevitable reality that continues to rise over time. This phenomenon presents both challenges and opportunities in planning for sustainable economic development. On one hand, an increasing population can drive economic growth by expanding markets and providing a labor force that supports productivity and innovation. On the other hand, rapid population growth may place significant pressure on natural resources, infrastructure, and public services. This can hinder economic progress and exacerbate social inequality. This study highlights the importance of strategic policies in managing population growth to ensure it becomes a positive force for inclusive and sustainable development.
PERAN LEMBAGA KEUANGAN SYARIAH DALAM UPAYA MENINGKATKAN TARAF HIDUP MASYARAKAT DI INDONESIA Sholiha, Imroatus
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7278

Abstract

This article examines the role of Islamic financial institutions in efforts to improve people's standard of living. This study uses library research, which is a research method using several libraries such as journal articles, books, documents and so on. The research was conducted in depth by looking for research ideas then determining the focus to be raised, collecting appropriate reading materials, reviewing reading materials in depth and looking for additional information then starting to write a report. The results of the study indicate that Islamic financial institutions have a role in efforts to improve people's standard of living. The roles and efforts made are by providing sharia-based business financing to the community, so that it can create economic independence for the community. Then the second is optimizing the management of zakat, infaq, alms and waqf. The third is increasing financial access or financial inclusion for all levels of society so that there is equitable prosperity.
DIGITALISASI EKONOMI ISLAM : PELUANG DAN TANTANGAN TRANSFORMASI SYARIAH DI ERA DIGITAL Marom, Nailul; Rafik, Zainur
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7283

Abstract

Digitalisasi ekonomi Islam merupakan fenomena penting dalam perkembangan sistem ekonomi berbasis syariah. Penerapan teknologi digital dalam aktivitas ekonomi syariah memberikan peluang besar untuk meningkatkan inklusi keuangan, efisiensi, dan transparansi. Penelitian ini bertujuan untuk menganalisis peluang dan tantangan yang dihadapi dalam proses transformasi syariah di era digital. Dengan pendekatan kualitatif dan studi literatur, ditemukan bahwa digitalisasi memberikan dampak positif signifikan, namun di sisi lain menghadapi kendala seperti literasi digital rendah, keamanan data, dan regulasi yang belum memadai
INTEGRASI ASPEK LINGKUNGAN DALAM PENENTUAN KELAYAKAN USAHA BERKELANJUTAN Hersiyah; Rohman, Abdur
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7288

Abstract

Business sustainability has increasingly become a central concern in economic decision-making. This study aims to analyze how environmental aspects can be integrated into business feasibility studies to ensure long-term sustainability. The methodology employs a multidisciplinary approach that considers economic, social, and ecological factors. The findings indicate that integrating environmental considerations into feasibility analyses not only enhances resource efficiency but also reduces negative impacts on ecosystems. Key factors such as waste management, the use of renewable energy, and compliance with environmental regulations play a crucial role in supporting sustainable enterprises. Therefore, this study provides recommendations for business actors and stakeholders to adopt environmentally based strategies in business planning.
LANGKAH CERDAS MEMBANGUN BISNIS HALAL DAN LEGAL : STUDI KELAYAKAN BISNIS MELALUI PENDAFTARAN OSS DAN SERTIFIKASI HALAL Hazmatul Khumairo', Hazmatul Khumairo'; Rohman, Abdur
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7299

Abstract

In the era of the growing halal industry, compliance with legal and halal-certified business regulations is the main key in building a sustainable business. This study aims to analyze strategic steps in building a halal and legal business through business feasibility studies, registration through the Online Single Submission (OSS) system, and the halal certification process. The research method used is a qua litative approach with literature studies and policy analysis related to business licensing regulations and halal certification in Indonesia. The results showed that OSS registration provides convenience in obtaining business licenses quickly and transparently, while halal certification from the Halal Product Guarantee Agency (BPJPH) is an important factor in increasing Muslim consumer confidence. The combination of business legality and product halal assurance is a major factor in increasing business competitiveness in the domestic and global markets. Therefore, business actors are advised to understand the licensing mechanism through OSS and meet halal standards so that businesses can develop optimally and sustainably.
ANALISIS PERKEMBANGAN INDUSTRI FINTECH SYARIAH DI NEGARA UNITED ARAB EMIRATES DAN EGYPT Mahmuda, Akhyar; Willy, Willy Bastian; Armia, Muhammad Syauqi Bin
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7410

Abstract

Analisis perkembangan industri fintech syariah di Uni Emirat Arab (UEA) dan Mesir menunjukkan pertumbuhan yang signifikan dalam beberapa tahun terakhir. Penelitian ini mengeksplorasi faktor-faktor yang mendorong perkembangan sektor ini, termasuk kebijakan pemerintah yang mendukung, inovasi teknologi, dan meningkatnya permintaan dari konsumen yang mencari solusi keuangan sesuai prinsip syariah. Dengan memanfaatkan pendekatan kualitatif, data dikumpulkan melalui analisis dokumen untuk menggambarkan lanskap industri fintech syariah di kedua negara. Hasil penelitian mengindikasikan bahwa UEA memimpin dalam adopsi teknologi baru dan investasi, sementara Mesir menunjukkan potensi untuk pertumbuhan yang lebih besar melalui pengembangan infrastruktur dan edukasi. Temuan ini memiliki implikasi bagi pemangku kepentingan industri dan pembuat kebijakan dalam merumuskan strategi untuk mendorong inovasi dan inklusi keuangan di kawasan.
ANALISIS RANTAI DISTRIBUSI HASIL PANEN PETANI DI WILAYAH MADURA Syarif, Siti Maisaroh
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7503

Abstract

This research aims to provide an in-depth analysis of the distribution patterns of agricultural produce from farmers in the Madura region. Agriculture, a vital sector in Madura, faces distribution challenges concerning infrastructure, the role of intermediaries, and farmers' access to markets. Employing a qualitative descriptive approach with case studies on key commodities such as rice/corn and horticulture/plantation crops, this study gathers primary data through in-depth interviews with farmers, distribution stakeholders, and key informants, alongside field observations. Secondary data are collected from relevant institutions. Qualitative data analysis involves data reduction, presentation, and conclusion drawing, complemented by mapping distribution channels and analyzing the functions of each actor. The findings are expected to identify distribution patterns, the roles of stakeholders, factors influencing distribution efficiency, and the primary challenges encountered in the distribution of agricultural produce, ultimately offering policy recommendations to enhance farmers' welfare and ensure food supply stability in Madura. Penelitian ini bertujuan untuk menganalisis secara mendalam pola pendistribusian hasil panen petani di wilayah Madura. Sektor pertanian yang vital di Madura menghadapi tantangan distribusi terkait infrastruktur, peran perantara, dan akses pasar. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan studi kasus pada komoditas utama seperti padi/jagung dan hortikultura/perkebunan. Data primer dikumpulkan melalui wawancara mendalam dengan petani, pelaku distribusi, dan informan kunci, serta observasi lapangan. Data sekunder diperoleh dari instansi terkait. Analisis data kualitatif meliputi reduksi, penyajian, dan penarikan kesimpulan, dilengkapi dengan pemetaan saluran distribusi dan analisis peran pelaku. Hasil penelitian diharapkan dapat mengidentifikasi pola distribusi, peran pelaku, faktor-faktor yang memengaruhi efisiensi, serta permasalahan utama dalam pendistribusian hasil panen, sehingga memberikan rekomendasi kebijakan bagi peningkatan kesejahteraan petani dan stabilitas pasokan pangan di Madura.
PEMIKIRAN IBNU TAIMIYAH TENTANG STANDART HARGA JUAL DAN BELI DALAM KITAB AL-HISBAH Huddin, Misba; Fahmi, Muhammad Zainul Arifin
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7726

Abstract

This research focuses on Ibn Taimiyyah's thoughts on price standards found in the book Al-Hisbah. The selection of Ibn Taimiyyah for this research is due to his thoughts and prominence in the field of economics, which are indeed relevant to current conditions, especially regarding prices and market mechanisms amidst increasingly uncertain market conditions. This research employs a qualitative method with a narrative approach, as it investigates the thoughts of the figure by using the book Al-Hisbah as primary data and also other works by Ibn Taimiyyah as secondary data analyzed through content analysis techniques. The results obtained from this study indicate that the pricing of goods must be in accordance with the natural market mechanisms determined by the equilibrium between supply and demand; however, under certain conditions, the government must also take part in determining prices to ensure that they remain stable and fair for all parties.
ANALISIS PRINSIP-PRINSIP PRODUKSI DALAM EKONOMI ISLAM: STUDI KOMPARATIF ANTARA KONSEP TRADISIONAL DAN KONTEMPORER Hamdi, Ahmad; Sukandi, Sukandi; Tasliyah, Nihayatut
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7877

Abstract

This study aims to analyze and compare the principles of production in Islamic economics from both traditional and contemporary perspectives. In Islamic economics, production is not merely an economic activity but also a form of worship encompassing moral, social, and spiritual dimensions. The traditional approach is grounded in the thoughts of classical scholars such as Al-Ghazali, Ibn Khaldun, and Al-Mawardi, who emphasized the importance of maqāṣid al-sharī‘ah in guiding production activities. Production is viewed as a means to promote public welfare, uphold justice, and prevent social and environmental harm. Meanwhile, the contemporary approach emerges in response to globalization and economic modernization. Contemporary scholars like M. Umer Chapra and M. Nejatullah Siddiqi attempt to integrate Islamic values with modern economic principles that emphasize sustainability and justice. In this context, Islamic production extends beyond the concepts of halal and thayyib to include social responsibility, environmental conservation, gender inclusion, and digital transformation. This research employs a qualitative methodology using library research, exploring both classical and modern literature to identify continuities and differences between the two approaches. The findings indicate that while methodological and contextual differences exist, both perspectives share foundational values. A synergy between traditional and contemporary views is deemed essential to establish a production system that is both normatively grounded and contextually relevant. Thus, Islamic economic thought remains dynamic and adaptive, rooted in transcendental values yet open to reform grounded in maqāṣid al-sharī‘ah.
INTERVENSI PEMERINTAH TERHADAP MEKANISME PASAR DALAM PERSPEKTIF EKONOMI ISLAM Rahman, Abd; Zakiyah, Makhsusi; Anwar, Khoirul
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v3i1.7885

Abstract

This article explores government intervention in market mechanisms from an Islamic economic perspective. In free market theory, the forces of demand and supply are believed to naturally create price equilibrium. However, in practice, market distortions often occur—such as monopolies, speculation, fraud in measurement, and domination by certain economic actors—resulting in social and economic inequalities that necessitate active government involvement. In Islamic economics, the market is not an entirely free entity but a system that must adhere to principles of justice, honesty, and balance. Hence, government intervention is not viewed as authoritarian but as a moral and religious obligation to protect public welfare (maslahah ‘ammah). This study employs a qualitative library research approach, analyzing both classical and contemporary Islamic economic literature, including the thoughts of al-Ghazali, Ibn Taymiyyah, and al-Mawardi. The findings reveal that government intervention is permissible in Islam when it aims to uphold Sharia values. Forms of intervention include market supervision through the hisbah institution, price regulation (tas’ir) during economic crises, and control over measuring instruments. In conclusion, government intervention in markets is an integral part of the Islamic economic system, aiming to establish justice and protect society. This perspective distinguishes Islamic economics from capitalism, which overly emphasizes individual freedom. Intervention in Islam is not about restriction but about guiding the market to remain ethical, fair, and compliant with Sharia principles.

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