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Tasharruf : Journal of Islamic Economics and Business
Published by Universitas Nahdlatul Ulama Pasuruan
ISSN : 29621836     EISSN : 29628407     DOI : https://doi.org/10.55757/tasharruf
Core Subject : Economy,
Economics, Econometrics & Finance
Tasharruf : Jurnal Ekonomi dan Bisnis Islam , (P-ISSN : 2962-1836 , E-ISSN : 2962-8407 ) diterbitkan dua kali setahun (Mei dan November) oleh Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan. Jurnal ini berfungsi sebagai media untuk mengeksplorasi pemikiran kritis tentang isu-isu Ekonomi dan Bisnis Islam. Terbuka untuk semua akademisi, praktisi, intelektual, dan mahasiswa dengan spesifikasi studi Ekonomi Islam. ide-ide yang meliputi artikel penelitian, ide konseptual, tinjauan literatur, dan pengalaman praktis. Ruang lingkup Tasharruf : Jurnal Ekonomi dan Bisnis Islam terbatas pada ekonomi Islam, perbankan dan keuangan Islam, manajemen ekonomi Islam, hukum ekonomi Islam, manajemen Zakat , Infaq , Shodaqoh, dan Wakaf, kewirausahaan dan bisnis Islam, pemikiran ekonomi Islam, asuransi Islam, akuntansi Islam.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 62 Documents
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Factors Influencing Islamic Finance and Banking Students Career Choices in Sharia Financial Institutions Sheila Hardhifa Adila; Siti Hasanah; Nur Maziyah Ulya; Narong Hassanee; Ilham Wahyudi
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 2 (2025): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i2.1150

Abstract

Laju perkembangangan di sector industri keuangan syariah saat ini semakin meningkat. Hal ini tentunya berdampak pada permintaan akan sumber daya syariah di berbagai lembaga keuangan syariah semakin meningkat pula. Namun, sumber daya manusia yang memiliki kemampuan dan pengetahuan mengenai transaksi syariah belum mencukupi. Penelitian ini bertujuan untuk mengetahui faktor apa saja yang mempengaruhi minat bekarir di lembaga keuangan syariah pada mahasiswa program studi keuangan dan perbankan syariah Kota Semarang. Variabel yang digunakan adalah pertimbangan pasar kerja, motivasi, lingkungan kerja, dan penghargaan finansial. Hasil pengujian menunjukkan bahwa pertimbangan pasar kerja, motivasi, lingkungan kerja, dan penghargaan finansial secara simultan terhadap minat berkarir di lembaga keuangan syariah pada mahasiswa program studi keuangan dan perbankan syariah Kota Semarang. Secara parsial, variabel pertimbangan pasar kerja dan motivasi berpengaruh positif dan signifikan terhadap minat berkarir di lembaga keuangan syariah pada mahasiswa program studi keuangan dan perbankan syariah Kota Semarang. Variabel lingkungan kerja dan penghargaan finansial secara parsial berpengaruh positif tetapi tidak signifikan terhadap minat berkarir di lembaga keuangan syariah pada mahasiswa program studi keuangan dan perbankan syariah Kota Semarang.
Beyond Words: Bagaimana Kemampuan Berbahasa mendorong Inovasi dalam Strategi Pemasaran Digital Sevia Ziyan Nadia; Kharina Arifia; Nuur Halimatus Sa'adiah Masrukhin; M. Ikbal Fatah
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 2 (2025): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i2.1151

Abstract

Bahasa bukan hanya sekadar alat komunikasi , tetapi juga merupakan kunci untuk membuka pintu kreativitas dan inovasi dalam pemasaran digital. Dalam era globalisasi dan e-commerce lintas budaya, penguasaan berbagai bahasa tidak hanya membedakan suatu produk atau jasa, tetapi juga memungkinkan bisnis untuk membangun koneksi emosional yang lebih mendalam dengan konsumen di seluruh dunia. Artikel ini menganalisis hubungan antara kemampuan berbahasa dengan inovasi dalam strategi pemasaran digital serta bagaimana hal ini dapat diterapkan dalam konteks manajemen bisnis. Berdasarkan kajian literatur, dapat diidentifikasi bagaimana kemampuan berbahasa yang kuat dapat mendorong lahirnya ide-ide baru dalam strategi pemasaran digital, mempererat hubungan dengan konsumen, serta meningkatkan performa bisnis secara menyeluruh. Dalam era e-commerce lintas budaya, pemahaman terhadap nuansa bahasa dan budaya yang berbeda sangat penting untuk membangun merek yang kuat dan relevan di pasar global. Artikel ini juga akan membahas bagaimana kemampuan berbahasa dapat membantu bisnis dalam mengatasi tantangan-tantangan unik yang dihadapi dalam pemasaran digital lintas budaya.
Manajemen Risiko Kepatuhan Syariah dalam Lembaga Keuangan Syariah Hasnah Haron; M. Sholeh Wafie; Salsabila Firdaus
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 2 (2025): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i2.1152

Abstract

Sharia compliance is a key pillar in the operations of Islamic financial institutions, which continues to grow along with the development of the global Islamic financial industry. Sharia compliance risk management is a crucial factor in protecting institutions from the risk of non-compliance, which can seriously impact business sustainability, reputation, and consumer trust. This article discusses critical aspects of Sharia compliance risk management, including (A) definitions and basic principles, (B) risk identification and evaluation, (C) mitigation strategies, and (D) the application of technology in risk management. Case studies and practical examples are presented to provide a concrete picture of the challenges and solutions faced by Islamic financial institutions. With a comprehensive approach, this article is expected to provide insight into the importance of Sharia compliance risk management in maintaining the integrity and stability of Islamic financial institutions in the global market.
Fintech Untuk Semua Menjembatani Kesenjangan Akses Keuangan di Pedesaan Indonesia 2025 Nur Aima Shafie1; Saiful Bakhri; Risa Umami
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 2 (2025): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i2.1153

Abstract

This study analyzes the strategic role of fintech in addressing the gap in access to rural finance in Indonesia in 2025, using a qualitative approach by applying the literature review method. Structural gaps remain critical (rural financial inclusion index: 75.7% vs urban 89.2%), triggered by a triad of digital infrastructure problems(22% of villages have unstable electricity), dual literacy (only 35% understand fintech products), and gender gap (female account ownership: 74.3%).Through a qualitative approach, the 2026-2030 Agenda focuses on regulatory harmonization.blockchain, gender affirmation (40% quota of female LKD agents), expansiongreen fintechfor renewable energy, as well as the construction of 300 4G/5G towers and trainingcyber hygiene20,000 agents. Research concludes that rural financial justice can only be achieved through the integration of adaptive regulation-inclusive infrastructure-local wisdom-based education,with risk mitigationdigital colonialism and ESG principles as pillars of sustainability.
Persepsi Mahasiswa terhadap Produk Bank Syariah Alvien Nur Amalia; Meydian Listiani; Natasya Adithia Putri; Amara Falihah; Putri Damayanti
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 2 (2025): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i2.1154

Abstract

Produk perbankan syariah adalah produk keuangan yang disediakan oleh lembaga keuangan yang beroperasi sesuai dengan prinsip-prinsip syariat Islam, dan berperan penting dalam memfasilitasi kegiatan ekonomi dan memenuhi kebutuhan individu dan perusahaan yang ingin mematuhi prinsip-prinsip syariat. Penelitian ini bertujuan untuk mengeksplorasi persepsi mahasiswa terhadap produk perbankan syariah. Penelitian ini bersifat deskriptif, menggunakan data primer yang dikumpulkan melalui kuesioner yang dibagikan kepada mahasiswa di Jakarta Selatan. Metode analisis yang digunakan adalah analisis statistik deskriptif, menyajikan data menggunakan tabel, grafik, diagram lingkaran, persentase, dan dihitung menggunakan rumus Slovin, kemudian dijelaskan secara deskriptif. Populasi dalam penelitian ini adalah 1.358 orang, dengan ukuran sampel 102. Dari 102 responden yang disurvei, 29,77% sangat setuju, 44,16% setuju, 17,12% netral, 7,96% tidak setuju, dan 0,98% sangat tidak setuju. Temuan penelitian dianalisis menggunakan rentang analisis deskriptif, yang berada dalam rentang 96%, menunjukkan hasil yang sangat baik. Kisaran nilai untuk hasil yang sangat baik diindeks dari 80% hingga 100%.
Pengaruh Nilai Pelanggan dan Citra Destinasi terhadap Niat Berkunjung Kembali dengan Memorable Tourism Experience sebagai Variabel Mediasi (Studi Kasus Objek Wisata Pantai Alam Indah Kota Tegal) Husaini Bachtiar
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 1 (2025): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i1.1155

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh nilai pelanggan dan citra destinasi terhadap niat berkunjung kembali, dengan memorable tourism experience sebagai variabel mediasi. Studi ini dilakukan pada objek wisata Pantai Alam Indah, Kota Tegal, yang merupakan salah satu destinasi unggulan di wilayah pantura Jawa Tengah. Pendekatan kuantitatif digunakan dengan metode kuisioner kepada 133 responden yang pernah berkunjung ke lokasi tersebut. Data dianalisis menggunakan analisis regresi berganda dengan menggunakan aplikasi SPSS 27.0. Hasil penelitian menunjukkan bahwa nilai pelanggan dan citra destinasi berpengaruh positif dan signifikan terhadap memorable tourism experience. Selain itu, memorable tourism experience terbukti berperan sebagai variabel mediasi yang signifikan dalam hubungan antara nilai pelanggan dan citra destinasi terhadap niat berkunjung kembali. Temuan ini menegaskan pentingnya pengelolaan pengalaman wisata yang berkesan untuk meningkatkan loyalitas wisatawan, serta memberikan implikasi praktis bagi pengelola destinasi wisata dalam merancang strategi pemasaran berbasis pengalaman.  
Transformasi Akuntansi Syariah di Era Digital sebagai Landasan Transparansi dan Kepercayaan Publik terhadap Lembaga Keuangan Syariah Ilham Wahyudi; Siti Kadariah; Zaenol Hasan
Tasharruf : Journal of Islamic Economics and Business Vol. 7 No. 1 (2026): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v7i1.1271

Abstract

The rapid development of digital technology has brought significant impacts across various sectors, including the Islamic financial industry in Indonesia. Islamic accounting, as a financial reporting system based on Islamic values, is required to adapt to digital transformation in order to maintain its relevance. This article aims to analyze how digital transformation affects Islamic accounting practices and to examine its contribution to enhancing transparency and public trust in Islamic financial institutions. The method employed is a descriptive-conceptual literature review by analyzing various scientific sources, regulations, and official reports from relevant institutions for the period 2015–2025. The findings indicate that the adoption of technologies such as blockchain, artificial intelligence, and cloud computing significantly improves the accuracy, accessibility, and timeliness of Islamic financial reporting. Enhanced transparency through digitalization has been proven to contribute positively to public trust in Islamic financial institutions. Nevertheless, challenges related to human resource readiness, regulatory gaps, and public digital literacy still need to be addressed systematically.
Analisis Nilai Waktu Uang (Time Value of Money) dalam Perspektif Keuangan Syariah Menggunakan Pendekatan Matematika Ekonomi anik ismadiana diana; Dessy Boegiyati
Tasharruf : Journal of Islamic Economics and Business Vol. 5 No. 2 (2024): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v5i2.1301

Abstract

Time value of money is a key idea in economic mathematics. It helps analyze money value over time. Today, time value of money is used in investment, financing, and financial decisions. But Islamic finance must adjust time value of money to fit sharia rules that ban interest. This study looks at time value of money in Islamic finance with an economic mathematics approach. The study uses a descriptive qualitative method and a literature study approach. The researcher reviews journals, books, and scientific sources that discuss economic mathematics and Islamic finance. The results show that the time value of money concept can still be used in Islamic financial systems, provided the concept does not contain usury, gharar, or maisir. The application of present value and future value concepts in Islamic financing serves as an economic analysis tool. The tool helps determine financing values in a fair and transparent way. So economic mathematics plays a big role in helping efficient Islamic financial management follow Islamic principles.
Analisis Perilaku Konsumen Generasi Z dalam Pengambilan Keputusan Pembelian Melalui Media Sosial TikTok Ahmad Dzul Ilmi Syarifuddin; Ferri Alfadri; Ulfa Hidayati
Tasharruf : Journal of Islamic Economics and Business Vol. 7 No. 1 (2026): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v7i1.1306

Abstract

This study aims to explore the consumer behavior of Generation Z in purchase decision-making through TikTok social media amidst the rapidly evolving digital economy. Employing a qualitative approach with a descriptive phenomenological design, data were collected through semi-structured in-depth interviews with 12 purposive informants aged 17–25 years who are active TikTok users and have made purchases influenced by platform content. Data analysis was conducted using Interpretative Phenomenological Analysis (IPA) to uncover the essence of informants' lived experiences. Four interrelated themes emerged: first, the influence of content creator credibility on consumer trust and purchase intention; second, the role of the For You Page (FYP) algorithm in persistently shaping consumption preferences; third, the dynamics of TikTok community social validation through comments, duets, and stitches as purchase conviction reinforcers; and fourth, emotion-driven purchase impulsivity triggered by entertainment content and live commerce features. Findings affirm that Generation Z does not form purchasing decisions through a rational-linear process, but rather through a unique, complex socio-cognitive-affective process fundamentally distinct from prior generations. Practical implications include the importance of authenticity-based creator marketing strategies, algorithm optimization, facilitation of organic user-generated content, and the ethical use of live commerce features.
The Influence Of Brand Image, Product Quality, And Price On Consumer Purchase Decisions On The Shopee E-Commerce Platform Popon Srisusilawati; Dian Meliza; Ahmad
Tasharruf : Journal of Islamic Economics and Business Vol. 7 No. 1 (2026): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v7i1.1307

Abstract

This study aims to analyze the influence of brand image, product quality, and price on consumer purchase decisions on the Shopee e-commerce platform. The research background is based on the rapid growth of the e-commerce industry in Indonesia, particularly the increasingly intense inter-platform competition, making it necessary to empirically examine the factors that shape consumer purchase decisions. The study employed a quantitative approach using a survey method through a Likert scale 1–5 questionnaire. The research sample consisted of 70 respondents who are active Shopee consumers. Instrument testing included validity and reliability tests, while classical assumption tests covered normality, multicollinearity, and heteroscedasticity. Data analysis was performed using multiple linear regression. The results show that brand image (X1) has a positive and significant effect on purchase decisions with a significance value of 0.000, while product quality (X2) also has a positive and significant effect with a significance value of 0.008. In contrast, price (X3) does not have a significant effect on purchase decisions with a significance value of 0.131. Simultaneously, all three variables have a significant effect on purchase decisions with F = 18.639 and significance of 0.000. The coefficient of determination (R²) of 0.459 indicates that 45.9% of the variation in purchase decisions can be explained by the three independent variables. The study concludes that brand image and product quality are the dominant factors influencing consumer purchase decisions on Shopee.

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