TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah
TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah is a scholarly journal published by Litera Academica Publishing, under the Yayasan Amal Ibnu Shabil (Based on Akte Pendirian Yayasan No. 08, January 22, 2022), focusing on the study of economics, management, and business from an Islamic perspective. The journal aims to serve as a forum for academics, researchers, and practitioners to publish research findings, theoretical studies, and critical analyses on current issues in Islamic economics, Islamic management, and business based on Islamic values. TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah is published four times a year, in March, June, September, and December. The journal accepts articles in both Indonesian and English, covering a wide range of topics including, but not limited to, the development of Islamic economics, Islamic financial management, Islamic business strategies, corporate governance according to Sharia principles, and innovation in Islamic business. A rigorous peer review process is applied to ensure the quality and originality of each published article. With a commitment to advancing knowledge in the fields of Islamic economics, management, and business, TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah is expected to make a significant contribution to the progress of Islamic studies both in Indonesia and globally. Authors who want to submit their manuscript to the editorial office of TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah should obey the writing guidelines. If the manuscript submitted is not appropriate with the guidelines or written in a different format, it will be rejected by the editors before further reviewed. The editors will only accept the manuscripts which meet the assigned format.
Articles
39 Documents
<![CDATA[Implementasi Digitalisasi pada BMT dalam Meningkatkan Efisiensi Layanan Keuangan Syariah: Implementation of Digitalization in BMT to Increase the Efficiency of Sharia Financial Services ]]>
<![CDATA[Raihan Maulana]]>;
<![CDATA[Muhammad Yazid]]>
<![CDATA[ TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 3 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah ]]>
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<![CDATA[The rapid advancement of digital technology has significantly transformed the landscape of Islamic financial institutions, including Baitul Maal wat Tamwil (BMT), which serves as a microfinance intermediary for empowering Muslim communities. This study aims to analyze the implementation of digitalization in BMT operations to improve the efficiency and accessibility of Islamic financial services. Using a qualitative descriptive approach, data were collected through interviews, documentation, and observation of several BMTs that have adopted digital platforms in their financial management systems. The findings indicate that digitalization enhances operational efficiency by streamlining transaction processes, improving financial reporting accuracy, and expanding service coverage through mobile and online applications. However, challenges such as limited digital literacy, infrastructure constraints, and data security concerns remain obstacles to optimal implementation. The study concludes that successful digital transformation in BMT requires not only technological adoption but also human resource development and regulatory support from related institutions. The results of this research contribute to the development of Islamic microfinance management theory and provide practical insights for policymakers and BMT practitioners in promoting inclusive and efficient Sharia-based financial services.]]>
<![CDATA[Fikih Muamalah dan Era Industri 5.0: Menata Transaksi Ekonomi Digital Berbasis Syariah: Fiqh Al-Muamalah and the Industry 5.0 Era: Structuring Digital Economic Transactions on a Shariah Basis ]]>
<![CDATA[M. Argha Isdhihar Al Qutsam Sandya Aziz]]>;
<![CDATA[Muhammad Yazid]]>
<![CDATA[ TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 3 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah ]]>
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<![CDATA[This study aims to analyze the dynamics of applying Islamic jurisprudence (fiqh muamalah) principles within the digital economy framework in the era of Industry 5.0. The research employs a qualitative descriptive approach through library research and content analysis of primary and secondary academic sources published between 2015 and 2025. The findings reveal that economic digitalization does not alter the essence of contractual principles in Islamic law; instead, it modifies their form and implementation to align with technological advancement. Core Islamic principles such as akad (contract), riba (usury), gharar (uncertainty), and maisir (speculation) remain the normative foundation guiding digital financial transactions toward justice, transparency, and ethical integrity. The study also highlights the crucial roles of financial authorities such as Indonesia’s Financial Services Authority (OJK) and Bank Indonesia, in collaboration with religious bodies like the National Sharia Council (DSN-MUI), in developing a digital financial ecosystem rooted in Islamic values. The synergy between regulators and religious authorities ensures that the digital economy evolves sustainably with ethical and equitable orientations. These findings affirm that fiqh muamalah possesses strong adaptability to technological innovation while maintaining the moral integrity of Islamic economic systems in the digital transformation era.]]>
<![CDATA[Uang Elektronik dan Zakat: Kajian Fiqih Kontemporer atas Instrumen Digital dalam Ibadah Harta: Electronic Money and Zakat: Contemporary Fiqh Study on Digital Instruments in Wealth Worship ]]>
<![CDATA[Mochamad Davin Hukama]]>;
<![CDATA[Muhammad Yazid]]>
<![CDATA[ TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 3 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah ]]>
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<![CDATA[The rapid development of digital finance has led to new fiqh questions, particularly regarding the use of electronic money (e-money) and its relationship with zakat obligations. This study aims to analyze the position of e-money in Islamic jurisprudence and its zakat implications as a contemporary form of wealth. The method used is a qualitative library research approach with normative and maqashid al-sharia analysis. The findings reveal that e-money constitutes valuable property (mal) subject to zakat when it meets the criteria of ownership, nisab, and haul. Digital zakat platforms also contribute to greater accessibility and transparency in zakat collection and distribution.]]>
<![CDATA[Crowdfunding Syariah: Model Pembiayaan Alternatif dalam Bingkai Fiqih: Sharia Crowdfunding: An Alternative Financing Model in the Framework of Contemporary Fiqh ]]>
<![CDATA[Muhammad Adi Saputra]]>;
<![CDATA[Muhammad Yazid]]>
<![CDATA[ TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 3 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah ]]>
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<![CDATA[Sharia crowdfunding represents one of the innovative developments in Islamic financing systems in the digital era. This model offers an inclusive alternative financing method by involving the public directly in funding productive and social projects. Unlike conventional crowdfunding, Sharia crowdfunding emphasizes the principles of fiqh al-muʿāmalah, such as justice, transparency, and the prohibition of riba (usury), gharar (uncertainty), and maisir (speculation). This study aims to analyze Sharia crowdfunding from the perspective of contemporary Islamic jurisprudence (fiqh kontemporer), examine the contracts applied in its operation, and explore its relevance to the objectives of Islamic law (maqāṣid al-sharīʿah). The research adopts a qualitative, descriptive-analytical approach based on library research. The findings indicate that Sharia crowdfunding can serve as an effective and ethical alternative financing model aligned with Islamic law, provided it adheres to the principles of fairness, transparency, and strong Sharia supervision. Furthermore, it contributes to achieving socio-economic justice and financial inclusion in accordance with Islamic ethical values.]]>
<![CDATA[Transformasi Akad Tabarru’, Qardh, dan Rahn dalam Era Digital: Analisis Fikih atas Tradisi Ringgit Emas Masyarakat Makassar: The Transformation of Tabarru’, Qardh, and Rahn Contracts in the Digital Era: A Fiqh Analysis of the Ringgit Emas Tradition in Makassar Society ]]>
<![CDATA[Nurul Husna]]>;
<![CDATA[Muhammad Yazid]]>
<![CDATA[ TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 4 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah ]]>
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<![CDATA[Ringgit Emas is a traditional debt-based practice in Makassar society rooted in trust and communal values. However, the rise of digital economics and the transformation of Islamic financial systems necessitate a renewed analysis of the underlying contracts, particularly tabarru’, qardh, and rahn. This study aims to examine the Ringgit Emas tradition through the lens of classical Islamic jurisprudence and assess its relevance within the ecosystem of digital Islamic finance. This research employs a qualitative-descriptive approach supported by literature review and normative analysis. The findings reveal that Ringgit Emas embodies the spirit of mutual assistance (tabarru’) aligned with the objectives of Islamic law (maqāṣid al-syarī‘ah), yet its practice often shifts toward burdensome and inequitable arrangements. In the digital context, qardh and rahn have undergone significant transformation through Islamic fintech platforms, digital gold collateral systems, and enhanced technology-based security mechanisms. This study concludes that Ringgit Emas can remain culturally preserved as long as its contracts are reconstructed to be more transparent, fair, and compatible with modern Islamic financial principles.]]>
<![CDATA[Optimalisasi Wakaf dalam Kajian Kitab Fathul Qorib pada Mata Pelajaran Kitab di Pondok Pesantren Raudlatul Muhibbin Al-Mustainiyyah Surakarta: Optimizing Waqf in the Study of the Book of Fathul Qorib in Book Subjects at the Raudlatul Muhibbin Al-Mustainiyyah Islamic Boarding School in Surakarta ]]>
<![CDATA[Vidia Novianti]]>;
<![CDATA[Puji Lestari]]>;
<![CDATA[Fatimah Nurani Normarista]]>;
<![CDATA[Amelinda Putri Pangesti]]>
<![CDATA[ TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 4 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah ]]>
Publisher : <![CDATA[Litera Academica Publishing ]]>
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<![CDATA[This study aims to explore the role of teaching the Fathul Qorib book in instilling the values of waqf optimization at the Raudlatul Muhibbin Al-Mustainiyyah Islamic Boarding School in Surakarta. The method applied in this study is qualitative with a descriptive approach. The findings show that the boarding school not only transfers theoretical knowledge of waqf fiqh, but also successfully encourages the internalization of values through a contextual approach. The educational process links classical concepts in Fathul Qorib, such as habs al-ashl wa tasbil al-tsamarah (retaining the principal and distributing the proceeds), with modern ideas such as productive waqf and social investment. The process of internalizing values takes place through three stages: cognitive, affective, and psychomotor, which prepare students not only with a deep understanding of the law but also with vision, creativity, and managerial skills to become skilled nazhir (waqf managers). Thus, Islamic boarding schools play a role in producing prospective nazhir who are able to optimize waqf as a sustainable economic tool, without deviating from the basic principles of fiqh.]]>
<![CDATA[Transformasi Digital dalam Perbankan Syariah: Strategi, Tantangan, dan Peluang Menuju Era Keuangan Inklusif: Digital Transformation in Islamic Banking: Strategies, Challenges, and Opportunities Towards and Era of Financial Inclusion ]]>
<![CDATA[Samsiyah]]>;
<![CDATA[Bayu Sudrajat]]>;
<![CDATA[Fadoli]]>;
<![CDATA[Habib Ja'far Sodiq]]>;
<![CDATA[Erik Ma'ruf]]>
<![CDATA[ TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 4 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah ]]>
Publisher : <![CDATA[Litera Academica Publishing ]]>
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<![CDATA[Digital transformation is reshaping the Islamic banking industry through the acceleration of technology adoption, efficiency improvement, and expansion of financial inclusion. This study examines the strategies, challenges, and opportunities of digital transformation in Islamic banking using a qualitative literature-based approach. The findings show that digitalization enhances service efficiency, supports innovation, and widens access to Shariah-compliant financial services. However, issues such as limited internet infrastructure, cybersecurity risks, and insufficient digital competencies remain significant challenges. This study highlights the importance of aligning technological innovation with Shariah governance to achieve inclusive and sustainable Islamic financial development.]]>
<![CDATA[Integrasi Human Capital dan Etika Kerja Islam dalam Pengembangan SDM Halal di Indonesia : Integration of Human Capital and Islamic Work Ethics in Halal HR Development in Indonesia ]]>
<![CDATA[Desy Arum Sunarta]]>;
<![CDATA[Nelia Syafriawati]]>;
<![CDATA[Siradjuddin, Siradjuddin]]>
<![CDATA[ TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 4 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah ]]>
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<![CDATA[This study aims to analyze the needs and strategies for strengthening human resources (HR) in the halal industry in Indonesia through a library research approach. This study is motivated by the increasing global demand for halal products and services, which requires a competent and certified workforce, and the need to integrate Islamic values into professional practice. The research method uses a systematic literature analysis of national and international scientific sources to identify profiles, competency gaps, training models, and halal HR development policies. The results show that the distribution of the halal workforce in Indonesia is dominated by the food and beverage, pharmaceutical, and tourism sectors, while the availability of halal-certified workers remains far below industry needs. The main factors contributing to the shortage of skilled workers include limited curricula, certification costs, disparities in training infrastructure, and weak collaboration between stakeholders. This study found that competency-based education, link-and-match programs between universities and industry, and the application of digital technologies such as blockchain, artificial intelligence, and e-learning are effective solutions for improving the quality of halal HR. The integration of human capital theory and Islamic work ethics demonstrates that technical and moral competencies play complementary roles in strengthening the competitiveness of the halal workforce and ensuring the sustainability of a values-based economy. In conclusion, strengthening halal human resources in Indonesia should be directed at establishing a collaborative ecosystem between the government, industry, and educational institutions through digitalization strategies, sustainable certification, and the internalization of Islamic work ethics. This study contributes to the development of a scientific framework for halal economic development and offers an empirical basis for formulating national policies toward Indonesia's position as a global halal industry hub.]]>
<![CDATA[Strategi Takmir Masjid At-Taqwa dalam Mengelola Keuangan untuk Progam Sosial dan Dakwah: At-Taqwa Mosque Takmir's Strategy in Managing Finances for Social and Da'wah Programs ]]>
<![CDATA[Rahma Dzakiyyah]]>;
<![CDATA[Novie Andriani Zakariya]]>
<![CDATA[ TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 4 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah ]]>
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<![CDATA[This study aims to analyze the strategy of the At-Taqwa Mosque management in managing finances to support social and da'wah programs. This study is motivated by the need for transparent, accountable, and professional mosque financial management, considering that most mosques in Indonesia still use traditional systems despite having significant potential for congregational funds. The study used qualitative descriptive methods through interviews and documentation to explore four main aspects of financial management: budget planning, transaction recording, periodic reporting, and internal evaluation. The results show that the At-Taqwa Mosque has implemented good governance principles through open monthly reporting, manual and digital recording, and deliberation-based decision-making. Financial stability is strengthened through diversification of funding sources such as congregational donations, regular donors, QRIS, and rental of mosque facilities. These funds are allocated for social programs—including educational assistance, interest-free loans, and charity—as well as da'wah programs such as TPA (Teaching and Religious Education Center), religious study groups, and community religious activities. These findings indicate that structured financial management supported by digitalization can increase congregational trust, program effectiveness, and the sustainability of mosque activities. This study provides implications that the modern financial governance model can be replicated in other mosques, although the research is still limited to one location and a small number of informants, so further research with a wider scope is needed.]]>
