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At-Tawazun, Jurnal Ekonomi Syariah
Published by Sekolah Tinggi Agama Islam Sangatta Kutai Timur
ISSN : 23548436     EISSN : 30258421     DOI : https://doi.org/10.55799/tawazun.v12i01.495
Core Subject : Religion, Economy, Humanities, Education, Social,
Religion Humanities Economics, Econometrics & Finance Education Social Sciences
Ekonomi Syariah, Perbankan dan Keuangan Syariah, Akuntansi Syariah, Pemikiran Ekonomi Islam, Manajemen Sumber Daya Manusia Syariah, Filantropi Islam (Zakat, Infaq, Shodaqoh dan Wakaf), Etika Bisnis dan Kewirausahaan Syariah, Pemasaran Syariah, Topik lain yang berkaitan dengan ekonomi Islam.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 72 Documents
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ANALISIS TANTANGAN DAN KONTRIBUSI PASAR MODAL SYARIAH TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA Siti Parida Dwi Yuliantika, Ana; Jelita, Jelita; Ramadhani dg. Matutu, Rizqy; Cahyaningrum, Eko
At-Tawazun, Jurnal Ekonomi Syariah Vol. 12 No. 02 (2024): December
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v12i02.565

Abstract

This study aims to examine the development and regulation of the sharia capital market in Indonesia, as well as its impact on economic growth. The Islamic capital market is increasingly in demand by Muslim investors because of its adherence to sharia principles, which also increases market stability and liquidity. The method used in this study is library research which is carried out by collecting information and data through various sources available in the library. both related to laws, fatwas, books, reports, and relevant scientific publications. The findings of the study show that the Islamic capital market in Indonesia has made a major contribution to economic growth, by recording an increase in market capitalization, the number of sharia stocks, sharia bonds (sukuk), and sharia mutual funds. This development reflects investor confidence and the attractiveness of the Islamic capital market as an alternative investment that is in line with Islamic principles. In addition, the Islamic capital market also plays a role in funding the real sector, including MSMEs, through the Securities Crowdfunding (SCF) scheme, which further strengthens its contribution to the Indonesian economy.
DAMPAK DIGITALISASI TERHADAP INKLUSI KEUANGAN DI BANK SYARIAH INDONESIA (BSI) KOTA SAMARINDA Jannah, Miftahul; Kamsiah, Kamsiah; Santoso, Agus
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 01 (2025): Juni
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i01.656

Abstract

Digitalization in the financial sector has brought significant changes in the way financial services are delivered and accessed, including in Islamic financial institutions such as Bank Syariah Indonesia (BSI). Digital technology has great potential to increase financial inclusion by providing faster, cheaper, and more accessible services, of course, which must be in accordance with sharia principles. The adoption of technologies such as mobile banking, internet banking, and e-wallets allows customers to access services anytime and anywhere. This study uses a mixed method with a quantitative survey approach and in-depth descriptive analysis and will be carried out in Samarinda City in 2024 with data from BSI in Samarinda in 2023. The results of this study show that BSI's digital services in Samarinda City have been widely adopted, with the highest adoption in ATM (100%) and Mobile Banking (90%) services due to ease of access, transaction speed, and good security.
PENGARUH IKLAN PRODUK, KUALITAS PRODUK, DAN SERTIFIKASI HALAL TERHADAP KEPUTUSAN PEMBELIAN KOSMETIK MAKE OVER (STUDI KASUS KONSUMEN TOKO DAN+DAN WIDYA ASRI SERANG) Agustiawati, Najya; Mukhsin, Moh; Abduh, Muhammad
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 01 (2025): Juni
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i01.676

Abstract

This study aims to determine the influence of advertising, product quality, and halal certification on cosmetic consumer purchase decisions. This study used a Likert scale measuring tool, using IBM SPSS Statistics 30 software. The results of regression measurement found that advertising, product quality and halal certification contributed 69.3% to cosmetic purchase decisions. The results of the study partially (t-test) stated that the advertising variable had a tcount>ttable (16,617>1,991) and a significant value smaller than the probability value (0.000 < 0.05), this means that the advertisement had a significant positive effect on the decision to purchase cosmetics, the product quality variable had a tcount>ttable (3,551>1,991) and a significant value smaller than the probability value (0.001<0.05) this shows that the product quality has a positive effect Significant to the purchase decision, the halal certification variable has a tally of tcount<ttable (158>1,991) and a significant value greater than the probability value (875>0.05) this shows that halal certification does not have a significant positive effect on cosmetics purchase decisions. The results of the simultaneous study (f-test) have a tcount>ftable value (458,576>2.72) and a probability value (sig) of 0.000 so that the value of sig < 0.05 (0.000 < 0.05) can be concluded that advertising, product quality, and halal certification have a positive and significant effect on the decision to purchase makeover cosmetics at the Dan+Dan Widya Asri Serang store.
DAMPAK JUDI ONLINE TERHADAP DISORGANISASI SOSIAL DI KALANGAN MAHASISWA BANDUNG Aulia Fitri, Andini; Laila Salsabila, Zahra; Marlina, Lina
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 01 (2025): Juni
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i01.692

Abstract

The rise of online gambling practices among students is an increasingly worrying issue amid the rapid advancement of digital technology. This study aims to identify the factors that cause student involvement in online gambling and examine the social, psychological, economic, and academic impacts it causes. Using a descriptive qualitative approach, data was collected through literature studies and in-depth interviews. The findings show that internal impulses such as curiosity, economic pressure, and the expectation of instant profits, as well as external factors such as the influence of a friendly environment and ease of internet access, contribute greatly to the increase in student participation in online gambling. This activity has been proven to cause various negative consequences, including financial losses, mental disorders, decreased learning achievement, and potential legal problems. In response, integrated efforts are needed in the form of increasing financial literacy, strengthening regulations on online platforms, and active support from families, campuses, and the government in tackling the spread of online gambling in the student environment.
ANALISIS BONUS KOIN SHOPEE DALAM PERSPEKTIF EKONOMI SYARIAH Al-kahfi Bunyamin, Khamal; Hayati, Imrona; Fahruddin, Achmad
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 01 (2025): Juni
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i01.709

Abstract

The development of digital technology has brought significant transformations in the transaction system, including the emergence of reward systems such as Shopee Coins. Shopee Coins are official virtual currencies given to Shopee application users through various promotional activities and transactions. This phenomenon is interesting to study from the perspective of sharia economics in order to assess its suitability with Islamic principles. This research is library research with a qualitative and normative approach, using primary data from the books Fiqih Muamalah by Subairi and Fiqih Muamalah Maliyah by Jaih and Hasanudin. Secondary data were also obtained from the results of interviews and analyzed to obtain descriptive conclusions. The results of the study show: first, the mechanism of obtaining Shopee Coins includes purchase transactions, participation in promotions and events, and the completion of certain missions. The system adopts gamification and loyalty to increase user engagement. Second, from the point of view of sharia economics, this system is permissible (halal) as long as it does not contain prohibited elements, such as riba, gharar (ambiguity), and maysir (gambling). Third, this system can be assessed in accordance with sharia if it is transparent and fair. Fourth, potential problems arise if there is speculation about rewards or unclear coin values. As an alternative solution, the reward system can be developed with akad ju'alah (promise of reward for a result) or tabarru' (grant) with sharia supervision, to ensure conformity with the principles of justice and ethics in Islamic muamalah.
ANALISIS PELUANG DAN ANCAMAN PERDAGANGAN PRODUK PERIKANAN: STUDI KASUS PERDAGANGAN INDONESIA DENGAN TIONGKOK Larasati, Muti; Daspar, Daspar
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 01 (2025): Juni
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i01.711

Abstract

As an archipelagic country with abundant marine wealth, Indonesia has great potential in developing the fisheries sector as a leading non-oil and gas export commodity. This research aims to analyze the opportunities and threats of trade in Indonesian fishery products with China within the framework of APEC cooperation. The method used is a qualitative descriptive approach with literature studies, using secondary data obtained from various ministry reports, scientific journal articles, economic news, official government websites, and data from international organizations. The results of the study show that although Indonesia has a large export potential for fishery products to China, such as squid, cuttlefish, seaweed, shrimp, and crabs. The country also faces serious challenges in the form of high volumes of imports of low-cost fishery products from China that suppress local prices and weaken the competitiveness of domestic fishermen. Therefore, a comprehensive strategy is needed in the form of improving product quality, diversification, strengthening the processing industry, protecting the domestic market through strict import regulations, and promoting the export of value-added products so that Indonesia can maintain and improve its position in the international fisheries market, especially China.
PENGARUH PERTUMBUHAN PENDUDUK, KESEMPATAN KERJA TERHADAP TINGKAT PENGANGGURAN TERBUKA DI PROVINSI JAWA TENGAH DENGAN ZIS SEBAGAI MODERASI Triono, Triono; Nurhadi, Bayu
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 02 (2025): December
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i02.449

Abstract

This study aims to determine whether population growth and employment opportunities influence the open unemployment rate in Central Java during 2019–2023, with ZIS serving as a moderating variable. This study uses a quantitative approach with secondary data. The analytical technique applied is multiple regression using EViews 12 software. The sample in this study includes the entire population. The results show that population growth, employment opportunities, and ZIS simultaneously and significantly affect the open unemployment rate. Population growth has a negative and significant effect on the open unemployment rate, while employment opportunities have a positive and significant effect. Furthermore, ZIS is found to moderate the relationship between population growth, employment opportunities, and the open unemployment rate.
ANALISIS KONSEP JUAL BELI DAN TEORI GHARAR DALAM PERSPEKTIF EKONOMI SYARIAH STUDI KASUS PENIMBUNAN MINYAKITA Irfan Fadilah, Muhamad; Jauharunnisa, Sevana; Ardillah Tidzkar, Misbah; Laila Salsabila, Zahra; Marlina, Lina
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 02 (2025): December
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i02.783

Abstract

This study aims to examine the concept of buying and selling as well as the theory of gharar from the perspective of Islamic economics, using the case of Minyakita hoarding in Indonesia. In Islamic principles, trade is founded on justice, transparency, and mutual consent between parties; however, the hoarding of essential goods creates artificial scarcity and abnormal price increases, leading to uncertainty (gharar) in transactions. Within the framework of fiqh muamalah, gharar is strictly prohibited because it involves elements of speculation and market manipulation that can potentially harm society. Using a qualitative approach through a review of Islamic economic literature and an analysis of regulatory frameworks governing the distribution of basic commodities, the findings reveal that Minyakita hoarding constitutes gharar fahish (major gharar), which adversely affects economic stability, public access to essential goods, and overall social welfare. Such practices not only contravene the fundamental principles of trade but also violate the objectives of maqasid al-shariah, particularly the preservation of property (hifz al-mal) and the promotion of public welfare; therefore, stringent government supervision and stronger awareness of Islamic business ethics are crucial to ensure that trade practices remain fair, transparent, and conducive to sustainable economic development.
ANALISIS PENGGUNAAN SHOPEE PAYLATER DI KALANGAN MAHASISWA DALAM PERSPEKTIF RIBA Alief Pratama, Rexy; Anna Marisa Eriyani Iskandar, Putri; Nurhidayah Somantri, Annisa; Marlina, Lina
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 02 (2025): December
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i02.792

Abstract

Islam prohibits usury because it is considered a practice that disrupts economic fairness. Within the digital economy ecosystem, the Shopee PayLater feature has sparked sharia-related concerns due to the application of interest charges and late payment penalties. This study employs a descriptive-analytical literature review to examine the Shopee PayLater system from the perspective of riba. The findings reveal that its installment mechanism indicates the presence of riba and potential elements of gharar, making it inconsistent with Islamic muamalah principles. Among university students, the service also stimulates consumptive tendencies and financial vulnerabilities—such as impulsive spending, growing debt burdens, financial stress, social tension, and risks related to personal data security. The interest-based installments, penalty fees, and insufficiently transparent terms suggest the presence of riba and gharar, which contravene key muamalah values such as justice, clarity, and mutual consent. Although Shopee PayLater offers convenient access to goods without upfront payment, it poses risks for users from both sharia and digital economic perspectives.
KEUANGAN MIKRO PADA KOPERASI KONSUMEN SYARIAH: MENINGKATKAN EFISIENSI DAN KEBERLANJUTAN DI ERA DIGITALISASI DAN EKONOMI KREATIF Hani’atul Latifah, Nur; Rahmadanie, Dhea; Sevia Tamara, Alda; Amalia, Varissa; B, Irwan
At-Tawazun, Jurnal Ekonomi Syariah Vol. 13 No. 02 (2025): December
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v13i02.802

Abstract

Microfinance management in Islamic consumer cooperatives is a field that continues to grow in line with technological innovation and digital economic development. This study uses a qualitative method with a literature-study approach to examine various relevant concepts and theories in Sharia-based microfinance management. The discussion focuses on the concept of technological innovation, small-scale digital financial management, and the influence of the creative economy on the Islamic microfinance model. In addition, the Technology Acceptance Model (TAM) is studied to understand the acceptance of digitalization by cooperatives and Sharia MSMEs. This study shows that integrating Sharia principles such as justice, trust, and benefit with digital innovation and the creative economy can improve the efficiency, transparency, and sustainability of microfinance management. It confirms that developing digital-based microfinance from a Sharia perspective has great potential to strengthen governance, increase inclusivity, and adapt to modern economic dynamics.

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