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IJED: International Journal of Economy Development Research
Published by Universitas Nurul Jadid
ISSN : 2829257X     EISSN : 29854008     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
IJED: International Journal of Economy Development Research is published by the Faculty of Islamic Studies at Nurul Jadid University. The journal aims to provide a platform for the dissemination of advanced research in the field of economic development. It welcomes contributions that explore, analyze, and discuss various dimensions of economic growth, policy analysis, development strategies, and socio-economic transformations at both the national and global levels. The scope of the journal covers, but is not limited to, the following areas: 1) Economic Growth and Development, 2) Development Policy and Strategy, 3) Poverty and Inequality, 4) Globalization and Trade, 5) Sustainable Development, 6) Innovation and Technology, 7) Finance and Development, 8) Regional and Urban Development, 9) Public Sector Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol 4, No 2 (2025)" : 6 Documents clear
Implementation of Sharia Fund Collection and Financing Products at BMT NU in Kraksan City Irfan, Abdul Aziz; Abidin, Ahmad Zainal
IJED: International Journal of Economy Development Research Vol 4, No 2 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v4i2.14341

Abstract

This study aims to examine the mechanisms of Islamic fund mobilization implemented by BMT NU Kota Kraksaan through savings and member deposit products based on wadiah and mudharabah contracts, to understand the process of Islamic financing distribution along with the contracts applied, and to analyze the conformity of BMT’s operational practices with Islamic banking theory. This research employs a qualitative approach using a case study method. The research location is BMT NU Kota Kraksaan, Probolinggo Regency. Research informants include the BMT manager, staff/employees, and members or customers directly involved in Islamic fund mobilization and financing products. Data were collected through observation, interviews, and documentation, while data analysis was conducted using descriptive qualitative methods. The findings indicate that BMT NU Kota Kraksaan has consistently implemented Islamic fund mobilization products based on wadiah and mudharabah contracts in accordance with Sharia principles. On the financing side, BMT distributes funds through murabahah, mudharabah, musyarakah, ijarah, and qardh contracts, which are predominantly utilized as capital for members’ micro-enterprises. BMT’s operational practices also demonstrate the application of transparency, fairness, and partnership principles between the institution and its members. Nevertheless, several challenges remain, particularly the limited understanding of some members regarding Sharia contracts and constraints related to the administrative system. 
Financial Technology and Its Impact on Modern Financial Systems: Opportunities, Challenges, and Future Prospects Kusuma, Indah; Kumala, Rendara
IJED: International Journal of Economy Development Research Vol 4, No 2 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v4i2.14728

Abstract

The rapid development of digital technology has significantly transformed the global financial landscape. Financial Technology (FinTech) has emerged as a disruptive innovation that integrates financial services with advanced digital technologies, enabling more efficient, accessible, and inclusive financial systems. This study aims to examine the role of financial technology in transforming financial services, identify the opportunities created by FinTech innovation, and analyze the challenges associated with its implementation. Using a qualitative approach based on literature review, this research analyzes various academic publications, institutional reports, and policy documents related to financial technology development. The findings indicate that FinTech contributes to financial inclusion, improves operational efficiency in financial institutions, and promotes innovative financial products and services. However, the expansion of FinTech also presents several challenges, including regulatory uncertainty, cybersecurity risks, and issues related to consumer protection. The study concludes that FinTech will continue to play a crucial role in shaping the future of financial systems, provided that appropriate regulatory frameworks and technological governance mechanisms are implemented to ensure sustainable development.
Human Development Index and Regional Development: Measuring Human Welfare Beyond Economic Growth Lana, Saiful; Lula, Cevin
IJED: International Journal of Economy Development Research Vol 4, No 2 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v4i2.14729

Abstract

Economic development has traditionally been measured through indicators such as gross domestic product (GDP) and income per capita. However, these indicators often fail to capture the broader dimensions of human welfare. The Human Development Index (HDI) was introduced by the United Nations Development Programme (UNDP) as a multidimensional measure of development that incorporates indicators of health, education, and living standards. This study aims to examine the importance of the Human Development Index in evaluating development performance and to analyze its role in assessing regional human welfare. Using a qualitative approach based on literature review and secondary data analysis, this study explores the conceptual framework of HDI and its implications for development policy. The findings indicate that HDI provides a more comprehensive perspective on development compared to traditional economic indicators. By integrating education, health, and income dimensions, HDI enables policymakers to identify development gaps and formulate more inclusive development strategies. The study concludes that HDI remains an essential tool for measuring human development and guiding sustainable and equitable development policies.
Barokah Deposit as a Superior Product for Collecting Funds at Bank Jatim Syariah KCP Probolinggo Khotimah, Husnul; Jayanti, Aprilia Dwi
IJED: International Journal of Economy Development Research Vol 4, No 2 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v4i2.14712

Abstract

This study aims to examine the role of Barokah Deposits as a leading product in fundraising activities at Bank Jatim Syariah KCP Probolinggo. The research method used is qualitative with a descriptive approach. Data collection was carried out through observation, interviews, and documentation during the implementation of student practicum activities from November to December 2025. Data analysis techniques include data reduction, data presentation, and drawing conclusions. The results of the study indicate that the operations of Bank Jatim Syariah KCP Probolinggo have been carried out in a structured, systematic, and well-documented manner in accordance with Islamic banking regulations. The implementation of administration, archive management, and internal control systems have been effective in maintaining data accuracy and transparency. In addition, cash management and fundraising activities, including the Barokah Deposit product, have been carried out in accordance with Islamic principles and regulations. Barokah Deposits, which use the mudharabah contract and profit-sharing system, play a significant role in increasing customer trust and contributing to the growth of third-party funds. Thus, Barokah Deposits can be considered a leading product that is managed professionally and sustainably.  
Procedures for Verifying the Completeness of Customer Documents in the Application of Subsidized Mortgage Financing at BTN Syariah Probolinggo Anggraini, Widya Dwy
IJED: International Journal of Economy Development Research Vol 4, No 2 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v4i2.14725

Abstract

The Subsidized Home Ownership Credit (KPR) program is one of the government’s policy instruments aimed at improving access to home ownership for low-income communities. In its implementation, Islamic banks as financing distribution institutions play a strategic role in ensuring that the KPR application process is conducted in an accountable, transparent manner and in accordance with the principle of prudence. This study aims to analyze the procedures for verifying the completeness of customer documents in the application for subsidized KPR at BTN Syariah Probolinggo. The research employs a descriptive qualitative approach, with data collected through interviews, observations, and documentation. The findings indicate that the document verification procedure is carried out through several stages, starting from an initial administrative review, verification of the validity of identity and income documents, to an assessment of financing eligibility in accordance with Islamic principles. However, several obstacles remain, including incomplete customer documents, differences in understanding between customers and the bank, as well as limitations of digital systems in supporting the verification process. This study is expected to provide practical contributions to improving the effectiveness of subsidized KPR verification procedures in Islamic banking and to serve as a reference for future research. 
Integrating Green Economy Principles within Islamic Economics: Toward a Sustainable Sharia Based Development Amdre, Moch; Sari, Novita
IJED: International Journal of Economy Development Research Vol 4, No 2 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v4i2.14726

Abstract

Environmental degradation and climate change have become global challenges that require innovative economic approaches capable of balancing economic growth with ecological sustainability. In recent years, the concept of the green economy has emerged as an alternative development paradigm that emphasizes environmentally sustainable economic activities, efficient resource management, and social inclusiveness. At the same time, Islamic economics offers ethical and normative foundations that emphasize justice, balance, and environmental stewardship. This study aims to examine the conceptual relationship between green economy principles and Islamic economic values, as well as to explore the potential integration of green economy practices within the framework of Islamic finance and economic development. Using a qualitative literature-based approach, this research analyzes relevant academic works, policy documents, and theoretical frameworks related to sustainable development and Islamic economic thought. The findings indicate that Islamic economic principles such as maqasid al-shariah, prohibition of environmental harm, and the concept of khalifah (stewardship) are inherently aligned with the goals of the green economy. Furthermore, Islamic financial instruments such as green sukuk, waqf for environmental projects, and sustainable Islamic investment have significant potential to support environmentally responsible development. The study concludes that integrating green economy principles within Islamic economic systems can contribute to the creation of a sustainable development model that balances economic growth, environmental preservation, and social justice.

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