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Ikhtiyar Jurnal Ekonomi Syari'ah
Published by Sekolah Tinggi Islam Kendal
ISSN : -     EISSN : 29865921     DOI : https://doi.org/10.69776
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Social Sciences
https://jurnal.stik-kendal.ac.id/index.php/ikhtiyar/about Jurnal Ikhtiyar adalah jurnal yang mempublikasikan karya ilmiah dengan rumpun ekonomi syariah Jurnal ini menjadikan ajang media publikasi yang inklusif, bukan hanya dari kalangan civitas akademik Prodi Ekonomi Syariah STIK Kendal, tetapi diperuntukkan bagi semua lapisan akademisi dan praktisi yang akan mempublikasikan karya ilmiah atau hasil risetnya.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 37 Documents
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A Implementasi Ekonomi Syari'ah : Marketing Syari'ah: PENGARUH PELABELAN HALAL PADA PRODUK KOSMETIK HALAL WARDAH TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN MUSLIM DI KABUPATEN KENDAL Muslih, Imam
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 3 No No 01 (2025): Implementasi Ekonomi Syari'ah : Marketing Syari'ah
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v3iNo 01.228

Abstract

As a Muslim, it is obligatory to always consume halal products, including cosmetics. This study aims to determine the effect of halal labeling as an independent variable in this study on the purchase decision of Wardah cosmetics, which is the dependent variable. The data collection method was carried out through a questionnaire. The population in this study were Muslim consumers who had purchased and used Wardah cosmetics in the city of Kendal. The sample required was 103 respondents using purposive sampling. This study used multiple linear regression analysis techniques and data testing using the SPSS Statistics 25 program. The results of this study indicate that halal labeling has a positive and significant effect on the purchase decision of Wardah cosmetics, both partially and simultaneously. The influence of the five variables is very strong, indicated by the coefficient of determination of 78%.
A Implementasi Ekonomi Syari'ah : Marketing Syari'ah: MARKETING UANG DIGITAL SYARIAH DAN KONVENSIONAL SEBAGAI SOLUSI EFEKTIF TRANSAKSI BARANG DAN JASA Sof’an, Mohammad
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 3 No No 01 (2025): Implementasi Ekonomi Syari'ah : Marketing Syari'ah
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v3iNo 01.230

Abstract

The development of digital technology has driven a major transformation in the payment system, from conventional cash-based methods to the use of electronic or digital money. Digital money, both in conventional and sharia financial systems, offers various advantages such as ease of access, transaction speed, time efficiency, and increasingly guaranteed security. This study aims to examine the use of sharia and conventional digital money in everyday life and analyze the potential and challenges of each system. The research method used is descriptive qualitative through a literature study approach. The results of the discussion show that although the use of digital money is increasing, challenges such as low financial literacy, limited technological infrastructure, and concerns about security and consumer behavior are still obstacles. Specifically in the context of sharia, compliance with Islamic principles such as the prohibition of usury and gharar is an important factor in the adoption of digital financial technology. Conventional banks still dominate the use of cashless transactions due to wider accessibility, although sharia banks such as BSI are starting to show progress. Therefore, the integration between technological efficiency and sharia values ​​is very important in creating an inclusive, fair, and sustainable digital financial system.
A Implementasi Ekonomi Syari'ah : Marketing Syari'ah: DIGITAL MARKETING PADA UMKM (STUDI KASUS DI DESA GEBANG KECAMATAN GEMUH) mukarromah, vitayatul; Syarofi, Muhammad
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 3 No No 01 (2025): Implementasi Ekonomi Syari'ah : Marketing Syari'ah
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v3iNo 01.233

Abstract

Digital Marketing Assistance for MSMEs in Gebang Village, Gemuh District, is an effort to improve the understanding and ability of business actors in marketing online. MSMEs as one of the pillars of the village economy often face obstacles in marketing according to standards. This is due to the lack of knowledge and skills in social media. Through this assistance, training and technical guidance are carried out on how to market MSMEs in a simple way, such as creating MSME content on social media. The methods used include socialization, workshops, and direct assistance to MSME actors. The results of this activity show a significant increase in the ability of MSME actors to market in a more structured and accountable way. The positive impact is the increased trust of business partners and consumers, as well as facilitating access. This activity is expected to be the first step in encouraging sustainable MSME growth in Gebang Village.
Etika Bisnis dalam Perpektif Ekonomi Syari'ah: PENGARUH AKUNTABILITAS, TRANSPARANSI, PERAN PERANGKAT DESA, DAN PARTISIPASI MASYARAKAT TERHADAP PENGELOLAAN KEUANGAN DESA DI KECAMATAN DAWE KUDUS Puspita, Azalea; Anik, Sri
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 3 No 2 (2025): Etika Bisnis dalam Perpektif Ekonomi Syari'ah
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v3i2.189

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh akuntabilitas, transparansi, peran perangkat desa, dan partisipasi masyarakat terhadap pengelolaan keuangan desa di Kecamatan Dawe, Kabupaten Kudus. Pengelolaan keuangan desa yang efektif menjadi fondasi penting dalam mewujudkan tata kelola pemerintahan desa yang baik (good village governance). Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis regresi linear berganda. Data diperoleh melalui penyebaran kuesioner kepada perangkat desa dan masyarakat yang terlibat dalam pengelolaan keuangan desa. Hasil analisis menunjukkan bahwa secara parsial, keempat variabel independen—yakni akuntabilitas, transparansi, peran perangkat desa, dan partisipasi masyarakat—berpengaruh positif dan signifikan terhadap pengelolaan keuangan desa. Nilai t hitung masing-masing variabel lebih besar dari t tabel (1,988) dan nilai signifikansi < 0,05. Secara simultan, keempat variabel memberikan kontribusi sebesar 64,9% terhadap kualitas pengelolaan keuangan desa, sementara sisanya sebesar 35,1% dipengaruhi oleh variabel lain di luar model penelitian ini. Temuan ini mendukung teori good village governance yang menekankan pentingnya akuntabilitas, transparansi, partisipasi, dan kapasitas aparatur desa dalam tata kelola keuangan desa. Penelitian ini merekomendasikan perlunya peningkatan kapasitas perangkat desa dan penguatan peran serta masyarakat agar pengelolaan keuangan desa dapat berjalan lebih optimal dan berkelanjutan.
ETIKA BISNIS DALAM PERSPEKTIF EKONOMI SYARI'AH: TELAAH ATAS KASUS BERAS OPLOSAN DI INDONESIA DALAM SUDUT PANDANG EKONOMI SYARI’AH Solekhan, Ahmad
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 3 No 2 (2025): Etika Bisnis dalam Perpektif Ekonomi Syari'ah
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v3i2.284

Abstract

The case of rice adulteration—mixing low-quality rice and selling it as premium—is a form of fraud (tadlis) that is clearly prohibited in Islamic economics. This practice violates the principles of amanah (trustworthiness) and shidq (honesty), which must be upheld in transactions. Sharia views any form of manipulation of the quality, quantity, or information of goods as a detrimental act that can invalidate the contract due to the lack of mutual consent (ridha) of both parties.From the perspective of Islamic jurisprudence (fiqh al-muamalat), rice adulteration constitutes gharar (unclearness) and ghabn fahisy (transactional injustice due to concealed quality differences). Perpetrators not only undermine market integrity but also deprive consumers of their right to obtain goods that meet the promised quality standards. In a market context, such actions are considered to undermine fair pricing mechanisms, trigger instability in food distribution, and can lead to social unrest.Overall, Islamic economics considers the practice of adulterated rice to be haram (forbidden) because it violates the principles of justice (al-'adl), transparency, and the public good (maslahah). In an Islamic economic system, producers and traders are required to maintain morality in their business activities to ensure fair and stable markets. Therefore, law enforcement and business ethics education are essential to prevent fraudulent behavior from disrupting the economic order of society.
Etika Bisnis dalam Perpektif Ekonomi Syari'ah: SISTEM PEMBAYARAN GOOGLE PLAY BILLING DALAM PERSPEKTIF ETIKA BISNIS BISNIS SYARI’AH Masruri, Masruri
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 3 No 2 (2025): Etika Bisnis dalam Perpektif Ekonomi Syari'ah
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v3i2.289

Abstract

Perkembangan ekonomi digital telah mendorong munculnya berbagai sistem pembayaran elektronik, salah satunya Google Play Billing yang digunakan dalam transaksi pembelian aplikasi, konten digital, dan layanan berlangganan di platform Google Play Store. Sistem pembayaran ini memberikan kemudahan, kecepatan, dan efisiensi bagi konsumen serta pelaku usaha digital. Namun, di sisi lain, mekanisme potongan biaya layanan, ketentuan kontraktual sepihak, serta keterbatasan alternatif pembayaran menimbulkan pertanyaan dari perspektif etika bisnis syari’ah, khususnya terkait prinsip keadilan, transparansi, dan keseimbangan hak dan kewajiban para pihak dalam transaksi muamalah. Artikel ini bertujuan untuk menganalisis sistem pembayaran Google Play Billing dalam perspektif etika bisnis syari’ah dengan menggunakan pendekatan normatif dan konseptual. Analisis difokuskan pada kesesuaian praktik Google Play Billing dengan prinsip-prinsip etika bisnis Islam, seperti kejujuran (ṣidq), keadilan (‘adl), kerelaan (tarāḍī), serta larangan eksploitasi dan ketidakjelasan (gharar). Hasil kajian menunjukkan bahwa meskipun Google Play Billing secara umum memenuhi unsur kemudahan dan efisiensi transaksi, terdapat beberapa aspek yang perlu dikritisi dari sudut pandang etika bisnis syari’ah, terutama terkait transparansi biaya dan posisi tawar pelaku usaha kecil, sehingga diperlukan evaluasi berkelanjutan agar sistem pembayaran digital dapat sejalan dengan nilai-nilai syari’ah dan kemaslahatan bersama.
Etika Bisnis dalam Perpektif Ekonomi Syari'ah: Implementasi Etika Bisnis Islam Dalam Menjalankan Usaha Kecil di Toko Cahaya Kota Kendal Muna, Rifatul
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 3 No 2 (2025): Etika Bisnis dalam Perpektif Ekonomi Syari'ah
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v3i2.290

Abstract

ABSTRACT This research aims to explain business ethics from an Islamic economic perspective. The author employed a descriptive qualitative research method, drawing data from various books related to the research topic. This research chose a qualitative method because it can yield concrete results regarding existing societal problems. Etymologically, ethics comes from the Greek word ethos, which is synonymous with attitude, a person's way of thinking, habits or customs, morals, and good character. Ethics can also be defined as principles or behaviors that distinguish right from wrong. Ethics is also a branch of philosophy that studies various aspects of life, such as values, norms, rules, and morals. In reality, the Muslim world still faces economic shortages. In this regard, ethics has become the most important reference for all business worlds from an Islamic perspective. In practice, Islamic business ethics can be used as a foundation to guide individuals in Islamic awareness in all their economic activities. Failure to apply ethics in business can destroy their lives, both in this world and the hereafter. Many producers who are aware of their business ethics can demonstrate positive performance. The teachings explain that a businessperson will be successful if they apply Islamic ethics in their business. Ethics has five main principles: Tawhid, Balance, Free Will and Responsibility, and finally, Truth.

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