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TA'AMUL: Journal of Islamic Economics Jl. PP. Darul Ulum Banyuanyar Poto'an Daya Palengaan Pamekasan Madura Jawa Timur 69362, Indonesia
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Ta'amul: Journal of Islamic Economics
Published by Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan
ISSN : -     EISSN : 29640644     DOI : https://doi.org/10.58223/taamul.v3i1
Core Subject : Economy,
Economics, Econometrics & Finance
Taamul is a journal of Islamic Economics, published biannually on May and November by Islamic Economics Department, Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan, Indonesia. This journal encompasses original research articles and review articles only selected or invited authors), including Islamic Economics, Islamic Economics Law, Islamic Business Management Human Resource, Marketing, Halal Supply Chain, and Enterprise System, Islamic Banking and Finance, Islamic Philantrophy Zakat, Infaq, Shodaqoh, and Waqf, Islamic Business Ethics and Entrepreneurship, Islamic Insurance
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 35 Documents
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Foreign Language Education and Translation: Between Economic Returns and Cognitive Culture Othman, Asmaa
Ta'amul: Journal of Islamic Economics Vol. 3 No. 2 (2024): November
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v3i2.213

Abstract

re increasingly significant in the context of human existence, particularly in the modern global economy. This study explores the intersection of language education and translation from an economic perspective, considering language as a vehicle for the exchange of intangible assets and currency as a medium for tangible assets. Just as translation involves transferring meaning across linguistic systems, currency exchange facilitates the transfer of goods and values across economic systems. Thus, foreign language acquisition parallels foreign currency trading, and translation mirrors the conversion of commodities. The main objective of this research is to investigate the complex relationships between language, translation, and economics. It raises key theoretical questions: What is the economic value of language and translation? Can language be considered a form of currency? How does language learning foster creative thinking? Is foreign language education an economic necessity in the modern era? Does translation influence economic systems? Using a comparative and analytical method, the study draws parallels between linguistic and economic systems, examining the mutual dynamics of market expansion and language spread. It also investigates how the rise of unified European languages coincided with the emergence of standardized currencies and common markets. Findings suggest that language has evolved into a marketable commodity, subject to regional and global economic forces. This research contributes to the interdisciplinary discourse linking language education, translation studies, and economic theory, offering new insights into how language functions as both a communicative tool and an economic asset in the knowledge-driven global market.
Sinergi Industri Halal dan Perundangan Nasional: Pilar Ekonomi Syariah Indonesia Suhaimi, R.; Arrohman, Baidawi
Ta'amul: Journal of Islamic Economics Vol. 3 No. 2 (2024): November
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v3i2.300

Abstract

The halal industry has become a focal point in Indonesia’s economic and legal development, requiring structured strategies and ongoing government initiatives to ensure its optimal growth. One of the main challenges lies in the need for comprehensive legal frameworks that can support and regulate the rapidly expanding halal sector. This study aims to analyze the role of national legislation in shaping the halal industry in Indonesia, focusing on the implementation and impact of Law No. 33 of 2014 on Halal Product Guarantee (UUJPH). Using a normative juridical approach, this research examines statutory regulations, government policies, and relevant literature to assess how the law provides legal certainty and supports the sustainability of the halal industry. The findings indicate that the enactment of UUJPH plays a significant role in offering protection for both producers and consumers by standardizing halal certification and product assurance. Moreover, it strengthens public trust and enhances Indonesia’s competitiveness in the global halal market. The study contributes to the understanding of legal infrastructure in the halal sector and underscores the importance of government commitment in reinforcing halal governance through legislation
Cultural Strategy of Saving Money Madura's Kelontong Shop In Business Income Suhaimi, R.; Nasrullah, Nasrullah; Nur, Abdul Hamid Bhustomi
Ta'amul: Journal of Islamic Economics Vol. 4 No. 1 (2025): May
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v4i1.388

Abstract

elontong (traditional grocery) stores represents a unique and intriguing socio-economic phenomenon. This informal financial habit, rooted in community tradition, is widely observed across Madurese grocery store owners in various regions, including Malang. However, this cultural practice has received limited academic attention, particularly in terms of its functions, motivations, and implications. The objective of this study is to explore the cultural practice of saving money among Madurese-owned grocery stores in Malang, focusing on its underlying purpose, mechanism, and socio-economic significance. This research uses a descriptive qualitative approach, with data collected through in-depth interviews and direct observation of selected Madurese store owners operating in urban and suburban Malang. The findings reveal that this saving culture follows a consistent pattern—where 10% of daily sales are set aside every 24 hours. This practice is not formally recorded or banked but is stored securely within the shop environment or in a trusted informal setting. The saved income is intended not only for profit accumulation but also for strategic financial readiness, such as for restocking inventory, covering emergency expenses, or fulfilling family and social obligations. The study concludes that this saving behavior is both an economic and cultural strategy, serving as a grassroots financial management model embedded in local values of discipline, foresight, and community solidarity. The findings contribute to the field of cultural economics and micro-enterprise finance by highlighting how traditional practices can serve as sustainable informal financial systems among ethnic business communities.
Establishing Technological Innovation in MSMEs For Sustainable Finance: The philosophy paradigm of Indonesia Mujennah, Mujennah; Narsa, I Made; Tjaraka, Heru
Ta'amul: Journal of Islamic Economics Vol. 4 No. 1 (2025): May
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v4i1.389

Abstract

This study explores how financial technology (fintech) can be developed and positioned within Micro, Small, and Medium Enterprises (MSMEs) in Indonesia to support sustainable finance through a philosophical and ethical lens. The core problems addressed include unequal access to finance, the capitalist bias in technological innovation, and the lack of ethical integration in fintech development. The study aims to bridge conceptual gaps between technological innovation, ethical finance, and inclusive development. Employing a qualitative research design grounded in interpretivism and constructivism, the research integrates philosophical inquiry with literature-based analysis. Phenomenological and grounded theory approaches are used to examine ethical, behavioral, and Islamic perspectives on fintech usage among MSMEs. The findings reveal that while fintech has the potential to democratize access to finance and accelerate digital innovation, its effectiveness relies on alignment with core values such as trust, justice, transparency, and sustainability. Sharia-compliant fintech models provide an ethical alternative to conventional systems but require regulatory, infrastructural, and cultural support. The study emphasizes the need for fintech solutions that empower rather than exploit and that place human dignity and ethical responsibility at the heart of innovation. This research is among the few to examine fintech adoption among MSMEs from a philosophical perspective, combining postmodern, Islamic economic, and behavioral finance viewpoints. It offers a conceptual framework for humanizing fintech and provides ethical guidance for policymakers and innovators working toward inclusive and sustainable financial ecosystems.
The Paradigm of Islamic Political Economy as the Basis for Sustainable Development Strategy Ferdiansyah, Dimas; Apriyanti, Nafisa Nur; Maulana, Lutfi
Ta'amul: Journal of Islamic Economics Vol. 3 No. 2 (2024): November
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v3i2.395

Abstract

Current global sustainable development paradigms remain largely influenced by conventional economic approaches that often overlook ethical and spiritual dimensions. This creates a growing need for alternative frameworks that are more holistic and just. This study aims to explore the paradigm of Islamic political economy as a conceptual foundation for sustainable development strategies. A qualitative literature study with an interpretative approach was employed, analyzing relevant primary and secondary sources. The findings reveal that core principles of Islamic political economy—such as distributive justice, maqasid al-shariah, social responsibility, and amanah—hold significant potential in shaping a more human-centered and sustainable development policy framework. This study contributes to the enrichment of Islamic political economy theory and supports the integration of Islamic values in contemporary development practices. Further empirical research is recommended to test the application of this paradigm across various policy contexts. the dominant conventional development paradigm today often ignores spiritual and ethical values, thus creating social and ecological inequalities. This study aims to examine the Islamic political economy paradigm as an alternative basis for sustainable development strategies through a qualitative literature study approach. By examining primary and secondary sources, this study identifies five main principles in Islamic political economy that are relevant to sustainable development: monotheism, justice, benefit, balance, and trust. The results of the study show that this paradigm not only provides a normative foundation, but also a more holistic and equitable policy direction. These findings have implications for the development of development theory and policy formulation based on Islamic values.
The Moral Economy of Development: Unpacking Islamic Perspectives Inayah, Filza; Rosyadi, Lia Fitriani; Kholid, Nour
Ta'amul: Journal of Islamic Economics Vol. 3 No. 2 (2024): November
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v3i2.396

Abstract

The ethical crisis in modern human resource development (HRD) practices demands an alternative approach that emphasizes not only productivity but also moral and spiritual values. Islamic economics offers a holistic framework for development through the integration of ethics into HRD strategies. This study aims to explore how Islamic ethics are practically integrated into HRD strategies within Islamic educational and economic institutions. Employing a qualitative approach with a multiple case study design, data were collected through in-depth interviews, participant observations, and document analysis from three selected institutions. The findings reveal that values such as amanah (trustworthiness), ‘adl (justice), ihsan (excellence), and taqwa (God-consciousness) serve as strategic foundations in HR empowerment processes. These values are internalized through curricular initiatives, personal mentoring, and transformative institutional culture. The study implies the importance of an ethics-based development paradigm in shaping high-integrity and competent human capital. The results contribute theoretically to the development of Islamic HRD models and offer practical alternatives for educational and economic institutions in Muslim societies.
Revisiting Roles, Redefining Growth: State and Market in Economic Transformation Alifia, Indi; Mukhtar, Ramadhan Arifin; Zumara, Zumara
Ta'amul: Journal of Islamic Economics Vol. 3 No. 2 (2024): November
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v3i2.400

Abstract

Economic transformation is a multifaceted process that can no longer be comprehensively understood through macro-structural models alone. In many national contexts, the boundaries between the roles of the state and the market are increasingly blurred, leading to ambiguity in understanding their respective contributions. This study addresses the problem of unclear functional dynamics between public and private actors in driving economic change. The primary objective is to explore how both the state and the private sector contribute to economic transformation through a qualitative lens. Employing in-depth interviews, document analysis, and case studies as data collection techniques, this research adopts a constructivist qualitative approach to interpret the evolving relationships and institutional behaviors shaping development processes. The findings suggest that economic transformation is not solely the result of top-down policy design or spontaneous market evolution, but rather an outcome of continuous negotiation, contestation, and adaptation between state and market actors. Furthermore, the study reveals the importance of narratives, power asymmetries, and informal institutional arrangements in influencing developmental trajectories. These insights contribute to expanding the theoretical landscape of development studies by highlighting the co-productive nature of state–market interactions. Practically, the research underscores the need for more inclusive and dialogical policymaking processes that foster collaboration across sectors. Ultimately, this study calls for a rethinking of developmental roles—not as fixed categories—but as fluid, contested, and context-dependent constructs that evolve with socio-political and economic change.
Islamic Ethical Values in Traditional Commerce: A Field Study of Market Traders Saputra, Taufik Aris
Ta'amul: Journal of Islamic Economics Vol. 4 No. 1 (2025): May
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v4i1.451

Abstract

This study explores the implementation of Islamic business ethics in the transaction practices of traders at the Waru Traditional Market, Waru District, Pamekasan Regency. The research addresses the problem of how Islamic ethical principles—such as tauhid (oneness of God), balance, free will, responsibility, and benevolence (ihsan)—are reflected in the daily commercial behaviors of traditional market traders. The objective is to uncover how deeply these principles are understood and applied in the context of local economic transactions, especially among grassroots Muslim communities. Using a qualitative descriptive method, data were collected through field observation and in-depth interviews with both traders and buyers. The primary data sources were direct interviews with ten selected traders, while secondary sources included relevant literature on Islamic economics and ethics. The findings reveal that most traders apply the main principles of Islamic business ethics in their transactions. The principle of tauhid is evident in their belief that sustenance comes from Allah, prompting them to conduct business with sincerity, patience, and a worshipful spirit. The principles of balance and responsibility are reflected in fair dealings, such as product quality assurance, replacement of defective goods, and price transparency. Traders also practice free will by giving customers full freedom in making purchasing decisions. Moreover, the principle of benevolence (ihsan) is actively demonstrated through acts of kindness, such as granting price discounts, extending payment terms, and assisting with the physical delivery of goods. This study contributes to the understanding of how Islamic values can be operationalized in traditional market settings. It highlights the spiritual and moral dimensions of Islamic business practices and offers a model for building ethical, human-centered, and sustainable local economies rooted in religious principles.
Wealth and Inequality: A Qualitative Inquiry into Institutional Dysfunction in Resource-Rich Muslim Nations solihat, Teni; Amrullah, Abdul Karim; Sholihah, Nurlailiyah Aidatus
Ta'amul: Journal of Islamic Economics Vol. 4 No. 1 (2025): May
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v4i1.391

Abstract

Several Muslim-majority countries endowed with abundant natural resources (NR) continue to face persistent development stagnation and severe social inequality, raising critical questions about the paradox of resource wealth. This study aims to qualitatively examine how institutional dysfunction influences wealth distribution and development trajectories in these contexts. Employing a qualitative approach with a case study design, the research focuses on resource-rich Muslim-majority countries, using Indonesia as a primary case due to its substantial natural resources and Muslim population exceeding 80%. Data were collected through policy document analysis and triangulated with media reports to ensure validity. Findings reveal that weak institutional capacity, entrenched corruption, and the dominance of political-economic elites are key drivers of persistent inequality and developmental inertia. These structural deficiencies prevent resource wealth from translating into broad-based prosperity, instead reinforcing elite capture and social disparity. The study contributes to the literature on resource governance by demonstrating that natural resource abundance, without robust institutional frameworks, intensifies the resource curse in Muslim-majority contexts. Practical implications underscore the urgency of institutional reform and the design of governance models tailored to socio-cultural and political realities, aiming to achieve inclusive and sustainable development. This research advances understanding of the intersection between institutional quality, resource wealth, and inequality, offering policy insights for governments and international development agencies operating in similar contexts.
The Influence of Safarwadi Pamijahan Religious Tourism on the Improvement of the Economy of Pamijahan MSMEs Maspupah, Ima; Sandi, Kurniawan; Nurdin, Ikhsan
Ta'amul: Journal of Islamic Economics Vol. 4 No. 1 (2025): May
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v4i1.398

Abstract

This study is motivated by the rapid growth of the tourism sector in Indonesia, particularly religious tourism, which plays a vital role in driving local economic development. In Kampung Pamijahan, Tasikmalaya Regency, religious tourism—centered around the tomb of Sheikh Abdul Muhyi—has attracted a significant influx of visitors. This phenomenon has created economic opportunities for local micro, small, and medium enterprises (MSMEs), notably kolang-kaling traders, whose products represent a regional specialty. The objective of this research is to analyze the influence of Safarwadi Pamijahan religious tourism on the economic improvement of these traders. A quantitative approach was employed using a descriptive analysis method. The study utilized a saturated sample of 40 respondents, representing the entire population of kolang-kaling traders in the area. Data collection was conducted through a field research approach with structured instruments, while hypothesis testing was performed using the t-test. Findings reveal that religious tourism significantly influences MSME economic performance, indicated by a significance value of 0.004 (<0.05) and a t-count of 3.033 (>1.686). The coefficient of determination shows that tourism contributes 19.5% to traders’ economic growth, while 80.5% is affected by other external factors. These results confirm that Safarwadi Pamijahan religious tourism serves as an essential but not exclusive driver of local MSME development. The contribution of this study lies in providing empirical evidence of the partial role of religious tourism in enhancing community-based economies, which can inform regional tourism and economic policies.

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