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Al-Fadilah: Islamic Economics Journal
Published by Penerbit Hellow Pustaka
ISSN : -     EISSN : 30310210     DOI : https://doi.org/10.61166/fadilah.v2i1
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
The aim of this journal publication is to disseminate the conceptual thoughts or ideas and research results that have been achieved in the area of Islamic Economics particularly focuses on the main problems in the development of the sciences of islamic economics areas as follows: Islamic Finance such as shariah accounting; public finance.; Islamic monetary and fiscal issues. Islamic Bank Islamic Economic Development Islamic Political Economics Islamic Philantrophy such as zakat, waqaf issues The History of Islamic Economics The Thought of Islamic Economics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 44 Documents
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Islamic Economics and Finance in India: Opportunities and Obstacles Muzafar Ahmad Mir
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 1 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i1.48

Abstract

Islamic economics and finance have gained momentum globally due to the increasing demand for financial products that are aligned with Islamic principles. Islamic economics and finance have gained significant attention in India in recent years, with the Muslim population comprising approximately 14% of the total population. However, the implementation of Islamic finance in India faces several obstacles, including a lack of regulatory framework, the absence of a legal framework and tax incentives, and a lack of awareness and education about Islamic finance. These obstacles lead to a lack of demand for Islamic financial transactions and services. The paper concludes that the development of Islamic finance in India has significant potential for the country’s financial sector but requires a comprehensive approach that addresses the legal, regulatory, and social challenges. The country’s large Muslim population is underserved by the traditional banking system. Islamic finance could provide an alternative to conventional banking for this population. Moreover, the Indian government’s recent push toward financial inclusion provides a platform for Islamic finance to contribute to the country’s economic development. The present study will analyze the opportunities and obstacles in Islamic economics and finance in India by using mixed methods and political economy approaches in research methodology.
Application of AHP Method to Cosmetic Brand Selection with Halal Labeling, Packaging and Price Criteria Putri Alfira Ardiansyah; Nurfiah Anwar; Muslihati
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 1 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i1.63

Abstract

The trend and evolution of cosmetics among Indonesian women continues and never recedes from time to time, especially in the current era. With the many choices of cosmetic products, consumers often feel confused in determining which products to use. Consumers consider many things before buying something, such as price, halal labeling, packaging. This study aims to determine the application of the AHP method to the selection of cosmetic brands with the criteria of halal labeling, packaging, and price. By using the Quantitative method, data collection was carried out through an online Questionnaire (Google Form) which was distributed to all female students of UIN Alauddin Makassar with a sample of 100 respondents who met the research requirements. This study uses the AHP method and is tested or analyzed using Microsoft Excel. The results of the study show that Price is the most dominant factor influencing consumer decisions in choosing cosmetic brands, followed by Halal Labeling and Packaging. Based on the results of the study, manufacturers should pay more attention to the Price aspect to increase competitiveness in the market. Then halal labeling and packaging can be attempted to improve product quality so that it will strengthen consumer purchasing decisions in buying a product.
The Impact of E-Commerce on the Business Development of Muslim Traders in the Traditional Market of Butung, Makassar City From the Perspective of Islamic Economics Muh. As’ad Rusydi Al-Hadar; Muslihati, Muslihati; Idris Parakkasi
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 1 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i1.69

Abstract

The current business trading pattern is very common especially in traditional markets as we know that E-Commerce is one of the platforms for selling and marketing products but in the use of E-Commerce, of course, it has positive and negative impacts on its use as is the case in the traditional Butung Market in Makassar city. In the problems that occur, the problem formulated in this study is how the mechanism of using E-Commerce by Muslim traders in the Butung market in Makassar city based on Islamic economic perspectives and how the impact of E-Commerce on the business development of Muslim traders in the Butung market in Makassar city. The purpose of this research is to find out how the mechanism of using E-Commerce by Muslim traders in the butung market of Makassar city if seen from the perspective of Islamic economics and to find out how the impact of business development from the use of E-Commerce on Muslim traders in the butung market of Makassar city. The results of this study indicate that 3 of the informants who have been interviewed have a positive impact on the use of E-Commerce in this case helping to increase sales and 2 of the informants make E-Commerce a challenge due to limited facilities and infrastructure in the use of E-Commerce.
Feasibility Analysis of New History Bookstore Business: Resilience of Retail MSMEs in the Digital Era Salsabila Sukma; Levi Yani; Muhamad Arif; Puji Afriyeni
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 1 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i1.76

Abstract

This study aims to analyze the business feasibility of Toko Buku Sejarah Baru, a bookstore that has been operating for nearly 20 years, specializing in the sale of stationery, school supplies, office equipment, textbooks, reading materials, and various types of musical instruments. The analysis is based on five main aspects: legal, market and marketing, financial, management, and human resources (HR). This research employs a qualitative descriptive method using a case study approach through interviews, direct observation, and documentation studies. The results show that Toko Buku Sejarah Baru has fulfilled business legality requirements and is strategically located, giving it a strong competitive advantage. Affordable pricing strategies, a complete range of products, and the use of e-commerce for online sales are key strengths in the marketing aspect. The store also accepts bulk or wholesale orders. Financial records are managed by an administrator using system tools and handled by a senior employee who is a trusted associate of the store manager. A stable management structure and harmonious working relationships further strengthen the HR aspect. Based on these findings, Toko Buku Sejarah Baru is considered a viable business that deserves further development, particularly through digital system improvements and market expansion.
The Influence of Sharia Economic Politics on the Development of Sharia Financial Institutions in the Digital Era in Indonesia Wahdatul Nadia Rawi; Latipah; Raudlatus Solihin
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.37

Abstract

The development of Islamic financial institutions in Indonesia is growing rapidly, particularly with the advent of the digital era. Islamic economic politics plays a significant role in shaping policies and regulations that support the growth of this sector. This article examines how Islamic economic politics influences the development of Islamic financial institutions in Indonesia, focusing on the application of digital technology. Using a qualitative descriptive approach, this study identifies that government policies based on Islamic principles, coupled with technological innovation, are key factors in increasing access and efficiency of Islamic financial services. Based on data from the Financial Services Authority (OJK), the Islamic fintech sector in Indonesia has recorded growth of around 50% per year in recent years. Furthermore, Islamic fintech has also grown rapidly in recent years, offering various services such as digital payments, peer-to-peer (P2P) financing, and Islamic-based investments. The research method used in this study is a literature review.
Mapping KSPPS Research Using Vosviewer: A Study of the Google Scholar Database 2019-2025 Rikhe Dwi Nurdiyah; Taufiqur Rahman
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.59

Abstract

This study aims to map the development of scientific research on Sharia Savings and Loan Cooperatives (KSPPS) in Indonesia by utilizing a bibliometric approach supported by VOSviewer software. Sources of information were obtained from Google Scholar with a publication period between 2019 and 2025. The collection process was carried out using the keyword “KSPPS” along with variations of related terms, which were then filtered to obtain relevant documents in Indonesian. The analysis was conducted by mapping co-authorship, co-occurrence, and citation analysis to identify trends, major themes, prolific authors, and institutions that play an important role in the development of KSPPS research. The results showed that the frequency of publications has increased since 2020, with the most discussed themes including Islamic microfinance management, cooperative governance, and financial literacy. In addition, it was revealed that the network of cooperation between authors is still minimal, indicating the importance of increasing research collaboration between various institutions. This study provides an initial insight into the orientation and shortcomings of Islamic microfinance research, and can serve as a guideline for academics, researchers, and regulators in setting research and policy agendas in the field of Islamic microfinance
The Forfeiture of Down Payments According to the Maqashid Syariah and Islamic Worldview Ilham Aulia Fatani
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.60

Abstract

In fulfilling their needs, humans are governed by laws established by Allah SWT, which regulate relationships between individuals and their Creator as well as among individuals themselves. Islam reminds humans not to harm one another, and exchanging goods within society is considered a fair means of meeting needs. The unified and codified regulations in fiqh mu’amalah cover various aspects of economic activity, including buying and selling (al-ba’i), which refers to the exchange of property based on mutual consent or the transfer of ownership with lawful compensation. According to Sulaimān al-Asyqar, buying and selling involves the exchange of property or benefits resulting in the transfer of ownership rights. One contemporary practice within this system is the use of a down payment or earnest money serving as a binding sign of agreement, where the buyer pays a portion of the price as a guarantee and is given a deadline to pay the remainder. This paper explains that earnest money is a payment or item given by a prospective buyer to a seller as confirmation that the transaction will proceed, and if the buyer cancels the agreement, the earnest money cannot be reclaimed.
Self-Criticism of the Tabarru' Contract in Islamic Insurance (Fiqh Mu'amalah Perspective) in the Islamic View of Life Muhamad Said
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.62

Abstract

The growth of the Islamic economy in Indonesia has been quite rapid in recent years. This is accompanied by growth in financial institutions, both banking and non-banking. This can be seen in the increasingly innovative contracts, such as the now-popular multi-contracts. To the point that one of the tabarru' contracts, which has the meaning of mutual assistance, exists in Islamic insurance institutions, now feels like a tijaroh contract that spices up the transaction with profit. The purpose of this study is to examine the tabarru' contract carried out by Islamic insurance institutions and critique it through the tabarru' theory approach from the perspective of muamalah fiqh. Using qualitative research methods, using secondary data sources, the researcher attempted to describe the content of the data collection technique using deductive documentation methods. He found that insurance institutions still feel like capitalism labeled as sharia. He also concluded that the institution of zakat, infaq, shodaqoh, and waqf (ZISWAF) can be the best solution for Muslims to truly help each other.
Transparency and Accountability of Islamic Pension Funds: A Systematic Review of the Literature Fidya Puji Ramadhani; Taufiqur Rahman
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.64

Abstract

This study aims to systematically analyze the literature related to the transparency and accountability of Islamic pension funds. Using a Systematic Literature Review (SLR) approach with the PRISMA protocol, this study identifies Islamic pension fund management practices, financial reporting mechanisms, the role of the Sharia Supervisory Board (SSB), technology implementation, and Sharia audit standards. A literature search was conducted in the Scopus, Web of Science, Emerald, EBSCO, and SINTA databases, covering the period 2013-2024, yielding 25 relevant articles for analysis after a screening process. The results indicate that the transparency of Islamic pension funds still faces challenges in terms of reporting standardization, investment information disclosure, and Sharia supervision. The integration of technologies such as blockchain and AI is beginning to be implemented to enhance transparency, although this is still limited to countries with advanced Islamic financial systems. This study contributes to the development of a comprehensive accountability framework for Islamic pension funds and identifies areas for future research in the context of the evolution of the global Islamic finance industry.
Analysis of Business Strategy and Operations of Petis Pasean Business from the Perspective of Islamic Business Ethics Ghafiratun Ni’am El Maulidiyah; Abdur Rohman
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.65

Abstract

This study aims to analyze the business and operational strategies of the Pasean petis business as an effort to strengthen the local economy in Pasean District, Pamekasan Regency. Petis Pasean is a processed fish product typical of Madura that has great potential to be developed as a superior regional product. Through a descriptive qualitative approach, data was collected through interviews, observations, and documentation studies of business actors, especially the Bu Siti Fish Petis producer. The results of the analysis show that the current strategy is still traditional, with limitations in marketing, production management, and resource management. However, there is a great opportunity for development through product innovation, brand strengthening, and the use of digital media as a means of promotion. From an operational perspective, production efficiency and raw material quality are the keys to increasing competitiveness. In conclusion, strengthening business and operational strategies in an integrated manner has the potential to encourage the growth of the Pasean petis business and make a significant contribution to the local economy.

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