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GLOSSARY
Published by Sekolah Tinggi Ilmu Syariah Ummul Ayman
ISSN : 29874688     EISSN : 2987467X     DOI : DOI: https://doi.org/10.52029/gose
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Glossary: Jurnal Ekonomi Syariah (E-ISSN: 2987-467X, P-ISSN: 2987-4688) is presented as an effort to promote the Journal of Sharia Economics. This journal is a journal that contains manuscripts in the field of Islamic Economics to the world of knowledge. Glossary : Jurnal Ekonomi Syariah is a journal of Islamic economics and reference that provides an official source of information for scholars, academics and professionals in the fields of Islamic economics, Islamic finance including business and management. The scope of the Glossary : Jurnal Ekonomi Syariah is in the form of research results and critical-analytic studies in the field of Sharia Economic Law with the aim of being a credible forum for academics and researchers around the world to disseminate their works, studies, papers and other forms of research. Its establishment aims to become a scientific journal with a national reputation and promote the progress, understanding and practice of Islamic economics.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 41 Documents
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Peran Inovasi Produk Bank Syariah Indonesia (BSI) dalam Meningkatkan Akses Pemberdayaan UMKM Dirra Azzuhra; Hartini Hartini; Sismaul Panira; Husni Kamal
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.374

Abstract

The Program for Empowerment and Enhancement by Bank Syariah Indonesia (BSI) significantly supports micro, small, and medium enterprises (UMKM) in Indonesia by providing Sharia-compliant financing such as murabahah, as well as fostering product development, digital marketing, and managerial skill enhancement. This initiative improves access to capital, enhances competitiveness, and promotes financial inclusion for UMKM, especially in remote areas. The role of Islamic banking product innovation is crucial in increasing UMKM access to funding, with banks acting as financial facilitators aligned with Sharia principles like mudharabah, musyarakah, and murabahah, which help UMKM obtain capital without interest and through fair systems. The research findings indicate that support through Sharia-based financing mechanisms and digital technology innovations can improve transparency and service accessibility, although challenges such as limited product understanding and administrative barriers still need to be addressed. Bank Syariah Indonesia exemplifies this approach by offering various financing products, training programs, and digital platforms that facilitate UMKM access to capital and markets. These innovations significantly contribute to UMKM empowerment, community welfare, and sustainable national economic growth. The findings demonstrate the potential of these efforts to strengthen financial inclusion and accelerate Sharia-based economic development in Indonesia.
Pengaruh Islamic Leadership terhadap Produktivitas Kerja Karyawan PT. Amaan Indonesia Sejahtera Pasean Yuliatul Adawiyah; Azwar Habibi
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.385

Abstract

In the era of globalization, competition among companies is becoming increasingly fierce, indicating that companies are required to continuously improve their work productivity in order not to fall behind the times. Human Resources (HR) are considered one of the important factors in a company's success. Additionally, Human Resources play an active role in the continuity of the company's activities because they possess a lot of potential that can drive the achievement of the organization's goals. Islamic leadership is leadership based on the Quran and Hadith, where the principles of Islamic leadership include the principles of ideal leadership. Islamic leadership in a company is derived from Islamic sources, which are then implemented in the company thru Islamic practices and beliefs. This research aims to determine and analyze the influence of Islamic leadership on employe work productivity at PT Aaman Indonesia Sejahtera. Islamic leadership is a leadership concept that refers to Islamic principles such as trustworthiness, justice, honesty, and moral and spiritual responsibility in leading. In the context of the workplace, leadership based on Islamic values is believed to be able to create a harmonious work environment, increase employe motivation, and encourage the achievement of optimal productivity. PT Aaman Indonesia Sejahtera, as a company that upholds Islamic values, serves as a relevant object to observe the extent to which the implementation of Islamic leadership impacts the performance and productivity of its employes. This study uses an associative quantitative approach. With a sample of 37 respondents. The research results are as follows: based on t-counting, which is 19.822 > t-table 1.687 with a significance level of 0.000 < 0.05, Islamic Leadership has an impact on the work productivity of employes at PT Aaman Indonesia Sejahtera. In addition, the coefficient of determination test showed an Adjusted R Square value of 0.916. This illustrates that the independent variable (Islamic Leadership) can explain the dependent variable (Employee Productivity) by 91.6%. Meanwhile, the remaining (100%-91.6%= 8.4%) is explained by other variables that were not examined in this study.
Alih Fungsi Lahan dan Dampaknya pada Perubahan Kehidupan Masyarakat Sekitar (Studi Kasus: Alih Fungsi Lahan pada PT Hardases Abadi Indonesia (HAI) di Desa Wangandowo, Kecamatan Bojong, Kabupaten Pelalongan) Rahmi Nurmulia; Imahda Khoiri Furqon
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.386

Abstract

This research discusses the land conversion carried out by PT Hardases Abadi Indonesia (HAI) in Wangandowo Village, Bojong District, Pekalongan Regency, and its impact on the lives of the surrounding community. Land that was originally in the form of hills and forests was converted into an industrial area for the construction of a shoe factory with a building area of 184,638 square meters. This land conversion has a positive economic impact in the form of local labor absorption and increased community welfare. However, the land use change also caused serious environmental impacts, such as the loss of water catchment areas and the occurrence of flash floods due to the collapse of the factory's embung in March 2024 which damaged residential areas and caused casualties. The research used a qualitative approach with interviews, observation and documentation to explore the socio-economic and environmental impacts. The results emphasized the need for strict environmental management and sustainable spatial planning so that industrial development can run in balance with environmental sustainability and community welfare.
Model Pembiayaan BMT BAHTERA: Studi Literatur tentang Praktik Inovasi Pembiayaan Mikro berbasis Syariah M. Najmuddin; Rahmi Nurmulia; Wulan Lailatur Rohmah; Rinda Asytuti
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.388

Abstract

Innovations in Islamic microfinance products at BMT BAHTERA play an important role in the development of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This research analyzes various sharia-based financing product innovations at BMT BAHTERA, such as mudharabah, musyarakah and rahn, which have helped expand access to financing, increase financial inclusion, and encourage the growth of MSMEs. Using a qualitative approach through literature review and in-depth interviews, this research identifies that BMT BAHTERA's financing product development includes innovative features such as flexible payment schemes, customer mentoring and digital integration. Despite facing challenges such as limited understanding of MSMEs and the need for policy alignment, the potential for this product development is huge, supported by technological developments and increasing public awareness of Islamic finance. This research contributes to the Islamic finance literature and provides recommendations for further development to support the sustainable growth of MSMEs.
Transformasi Digital Perbankan Syariah di Indonesia: Peluang dan Tantangan dalam Meningkatkan Inklusi Keuangan Syariah Cahya Afrida Rahmadhani; Juliana Putri
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.416

Abstract

Digital transformation has become an essential step in strengthening the competitiveness and outreach of Islamic banking services in Indonesia. Although the number and total assets of Islamic banks continue to grow, their contribution to the overall national banking industry remains relatively small, while the level of Islamic financial literacy and inclusion among the public is still uneven. This situation raises a key question: to what extent can digital transformation enhance Islamic financial inclusion, and what challenges arise in its implementation? This study aims to analyze how digital transformation contributes to improving Islamic financial inclusion in Indonesia and to identify the opportunities and challenges that accompany it, as well as its role in expanding public access to financial services based on sharia principles. Using a qualitative descriptive approach through literature review and analysis of various policies and industry reports, this study examines the opportunities and obstacles in the digitalization of Islamic banking. The findings show that digital transformation creates significant opportunities through the optimization of mobile banking services, Islamic fintech, and integrated digital ecosystems that can reach various layers of society. However, major challenges remain, including low levels of digital and financial literacy, limited technological infrastructure, and the need for stronger regulations and data security. Overall, this study emphasizes that the success of digital transformation in Islamic banking depends greatly on the synergy between industry, regulators, and society in developing a digital financial system that is inclusive, secure, and compliant with sharia principles.
Analisis Faktor-Faktor Yang Mempengaruhi Minat Berinvestasi Di Pasar Modal Syariah Pada Asn Kota Langsa Mastura; nurjanah; mhd. Yogi Ardin
Glossary : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v4i1.458

Abstract

This study analyzes the level of investment interest and the factors influencing civil servants in Kota Langsa toward the Islamic capital market following the 2025 MURI Record momentum. The study applies a qualitative approach with a case study design. Data were collected through semi structured interviews with 5 civil servants from different institutions. The findings indicate that investment interest is at an early stage and develops gradually. The MURI Record increased awareness and trust in the Islamic capital market. Interest is reflected in changes in perception, information seeking, and initial understanding of investment instruments. Investment activity remains limited and generally begins with small capital. The learning process occurs within limited time and is adjusted to work responsibilities. Factors influencing investment interest include personal motivation, religiosity, economic awareness, work environment, and access to digital information. The findings show that investment interest develops gradually through individual experience and evaluation.
Tinjauan Literatur Akad Samsarah Perilaku Affiliate pada Platform Bisnis Digital M. Najmuddin; Fitri Kurniawati
Glossary : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v4i1.459

Abstract

Transformasi digital telah melahirkan inovasi dalam transaksi ekonomi, termasuk model bisnis Affiliate marketing yang kini banyak dijalankan melalui platform online. Affiliate marketing menawarkan mekanisme pemasaran berbasis komisi, di mana individu atau kelompok dapat memperoleh penghasilan melalui promosi tautan produk digital. Dalam hukum ekonomi Islam, aktivitas tersebut dapat dianalisis melalui konsep akad samsarah (perantara jual beli), yang merupakan bentuk perjanjian kerja sama antara pemilik produk dan pihak ketiga yang mempromosikannya dengan imbalan tertentu (ujrah). Artikel ini bertujuan untuk mengkaji secara komprehensif bagaimana prinsip-prinsip akad samsarah diterapkan dalam praktik jual beli Affiliate berbasis online, serta untuk menilai kesesuaian model bisnis digital ini dengan kaidah-kaidah fikih muamalah. Dengan menggunakan pendekatan kualitatif dan metode tinjauan pustaka (literature review). Penelitian ini menemukan bahwa praktik Affiliate dapat diakomodasi dalam kerangka akad samsarah selama memenuhi prinsip-prinsip utama dalam transaksi syariah, yaitu: kejelasan akad, kehalalan objek transaksi, transparansi imbalan (ujrah), dan keterhindaran dari unsur-unsur seperti gharar (ketidakjelasan), maysir (spekulasi), serta tadlis (penipuan). Penelitian ini juga menyoroti pentingnya regulasi yang lebih spesifik dari otoritas syariah, baik di tingkat nasional maupun internasional, dalam mengatur praktik bisnis digital berbasis syariah. Dengan temuan ini, artikel memberikan kontribusi konseptual terhadap pengembangan regulasi ekonomi digital syariah dan menyarankan perlunya penyusunan pedoman formal terkait pelaksanaan akad samsarah digital di era ekonomi platform.
Inovasi Produk Pembiayaan Berbasis Digital pada Bank Syariah dalam Meningkatkan Inklusi Keuangan Fanesa Ahzara; Putri Humairah Napitupulu; Husni Kamal
Glossary : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v4i1.489

Abstract

Perkembangan teknologi digital mendorong bank syariah menghadirkan berbagai inovasi produk pembiayaan yang lebih mudah diakses masyarakat. Penelitian ini bertujuan menganalisis peran inovasi produk pembiayaan berbasis digital dalam meningkatkan inklusi keuangan. Metode yang digunakan berupa studi kepustakaan melalui kajian berbagai jurnal, buku, serta sumber ilmiah terkait. Hasil penelitian menunjukkan bahwa pembiayaan berbasis digital memberikan kemudahan akses, mempercepat proses layanan, memperluas jangkauan nasabah, serta meningkatkan penggunaan layanan keuangan syariah. Inovasi tersebut berkontribusi terhadap peningkatan inklusi keuangan masyarakat. Tantangan yang masih dihadapi meliputi literasi digital, keamanan data, serta kesiapan infrastruktur teknologi.
Pemberdayaan Ekonomi Mustahik Melalui Bantuan Modal Usaha Berbasis Zakat Produktif di Kota Banda Aceh Rusnawati Rusnawati; Lisa Yanti; Khairul Habibi; Siti Maisarah
Glossary : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v4i1.494

Abstract

Penelitian ini bertujuan untuk menganalisis pemberdayaan ekonomi mustahik melalui program bantuan modal usaha berbasis zakat produktif yang dilaksanakan oleh Baitul Mal Kota Banda Aceh. Program ini merupakan salah satu upaya pemanfaatan dana zakat secara produktif untuk meningkatkan pendapatan dan kemandirian ekonomi mustahik. Penelitian menggunakan pendekatan kualitatif dengan metode deskriptif. Data diperoleh melalui wawancara, observasi, dan dokumentasi terhadap pihak Baitul Mal Kota Banda Aceh serta mustahik penerima bantuan modal usaha. Hasil penelitian menunjukkan bahwa bantuan modal usaha memberikan dampak positif terhadap peningkatan pendapatan, perkembangan usaha, dan keberlangsungan usaha mustahik. Selain itu, program ini turut mendorong peningkatan kemampuan ekonomi keluarga penerima manfaat. Faktor pendukung keberhasilan program meliputi ketepatan sasaran penerima, pemanfaatan modal secara produktif, serta adanya motivasi usaha dari mustahik. Adapun faktor penghambat meliputi keterbatasan jumlah bantuan, minimnya pendampingan usaha, serta rendahnya kemampuan manajerial sebagian penerima bantuan. Penelitian ini menyimpulkan bahwa zakat produktif melalui bantuan modal usaha berkontribusi dalam pemberdayaan ekonomi mustahik, meskipun masih diperlukan penguatan pendampingan dan monitoring program untuk meningkatkan keberlanjutan usaha mustahik. Kata Kunci: zakat produktif, pemberdayaan ekonomi, bantuan modal usaha, mustahik, Baitul Mal.
Integrasi Hukum Adat dan Hukum Ekonomi Syariah dalam Penyelesaian Sengketa Ekonomi di Kampung Meunasah Bie Pidie Jaya Asyraful Wajdi; Nurlinda Yani
Glossary : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v4i1.496

Abstract

Penelitian ini membahas integrasi antara hukum adat dan hukum ekonomi syariah dalam penyelesaian sengketa ekonomi di Kampung Meunasah Bie. Kampung ini merupakan contoh masyarakat yang masih memegang teguh nilai-nilai adat sekaligus menerapkan prinsip-prinsip syariah dalam kehidupan sehari-hari. Melalui pendekatan kualitatif dengan metode deskriptif, penelitian ini menemukan bahwa penyelesaian sengketa ekonomi dilakukan melalui mekanisme musyawarah adat yang dilandasi oleh nilai keislaman. Hasilnya menunjukkan bahwa integrasi kedua sistem hukum ini tidak menimbulkan tumpang tindih, melainkan saling melengkapi dalam menciptakan keadilan dan harmoni sosial. Penelitian ini memberikan kontribusi terhadap pemahaman pluralisme hukum dalam konteks lokal dan keagamaan. Kata Kunci: Hukum Adat, Hukum Ekonomi Syariah, Penyelesaian Sengketa, Integrasi Hukum.

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