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Jurnal Ekonomi Syariah
Published by Institut Agama Islam Darul Ulum Kandangan
ISSN : 30218756     EISSN : 30218756     DOI : https://doi.org/10.63216/al-ujrah.v2i02
Core Subject : Economy,
Economics, Econometrics & Finance
The journal focus on providing qualified researches in the area of Islamic Economics, Entrepreneurship, Islamic Business Ethics, Islamic Capital Markets & Investment, Islamic Accounting, Islamic Banking, ZISWAF Management, Business Communication, Islamic Philanthropy and other relevant topics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 30 Documents
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DAMPAK PENGUNAAN ALAT COMBINE HARVESTER TERHADAP KESEJAHTERAAN BURUH TANI TARAS PADANG KABUPATEN HULU SUNGAI TENGAH Hafizatun Nabila; Norwilistini
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 2 No. 02 (2024): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research is motivated by technological advances that can not be avoided and has entered into various fields of life, including agriculture. One form of technological progress is the rice cutting machine (Combine Harvester). Where the machine was expected to help or facilitate the process of harvesting rice but in reality the machine reduces or even replaces the work of farm laborers. This study aims to examine the effect of the use of Combine Harvester on the welfare of traditional farm laborers in Taras Padang Village, Hulu Sungai Tengah Regency. This research uses qualitative methodology. Data collection strategies include interviews, documentation, and observation. The Data showed that the utilization of combine harvesters in Taras Padang Village, Hulu Sungai Tengah Regency, resulted in Indigenous workers being categorized as prosperous families; however, their income decreased during the growing season due to the implementation of these machines.
PENETAPAN PEMBULATAN HARGA DAN NILAI TIMBANGAN PADA JASA EKSPEDISI J&T EXPRESS CABANG KANDANGAN Fadia Fitriani; Norwilistini
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 2 No. 02 (2024): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

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Abstract

Online shopping and selling, which is associated with community-beneficial products delivery services, is an example of how people's inherent need for the easy and practical drives this study. J&T Express is one of the many businesses and individuals that rely on for delivery services. Finding out how the J&T Express Kandangan branch rounds prices and weighs them was the driving force behind this research. A qualitative approach was utilised in this investigation. Observation, interviews, and documentation are the methods used to gather data. Facts gleaned from interviews with J&T Express Kandangan branch workers and customers show that the company's practice of rounding pricing and scales goes against what the Qur'an says, Surah Hud verse 85, which in this verse commands to fulfill/perfect measurements and scales fairly and not to harm the rights of others.
PRAKTIK PENGGANTIAN UANG KEMBALIAN DENGAN PERMEN Akhmad Bakri; Norwilistini
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 01 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i01.421

Abstract

Penelitian ini dilatarbelakangi dengan praktik penggantian uang kembalian yang sering terjadi diganti dengan permen. Praktik ini tidak selalu diterima dengan baik oleh konsumen. Beberapa konsumen mungkin merasa kurang puas atau tidak nyaman dengan penggantian uang kembalian dengan permen sementara yang lain mungkin menganggapnya sebagai pilihan yang wajar atau bahkan menguntungkan. Penelitian ini bertujuan untuk mengetahui bagaimana praktik terhadap penggantian uang kembalian dalam bentuk permen. Subjek penelitian ini adalah pembeli di pasar Negara Kecamatan Daha Selatan dan objek penelitian ini adalah penggantian uang kembalian dengan permen. Hasil penelitian ini menujukkan transaksi penggantian uang kembalian diganti dengan barang dalam hukum Islam boleh saja dilakukan asal tidak ada pihak yang merasa terdzolimi ataupun dirugikan dalam transaksi jual beli tersebut, karena sebelum praktik tersebut dilakukan pihak penjual terlebih dahulu menanyakan kepada pihak pembeli, Sedangkan praktik penggantian uang kembalian dengan barang ini menunjukkan adanya dinamika transaksi dan persepsi konsumen yang perlu dipertimbangkan oleh para pelaku pasar dan pihak terkait.
PENGARUH TENAGA KERJA DAN INVESTASI TERHADAP KEMISKINAN DENGAN TINGKAT PENGANGGURAN SEBAGAI VARIABEL INTERVENING DI PROVINSI JAWA TENGAH TAHUN 2022-2024 Ardiansyah, Jefri
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 01 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i01.435

Abstract

Kemiskinan masih menjadi isu utama di Provinsi Jawa Tengah, meskipun berbagai upaya telah dilakukan, termasuk peningkatan partisipasi angkatan kerja dan arus investasi. Namun, kenyataan menunjukkan bahwa peningkatan tenaga kerja dan investasi tidak selalu linear terhadap penurunan kemiskinan. Penelitian ini bertujuan untuk menganalisis pengaruh tenaga kerja dan investasi terhadap kemiskinan dengan tingkat pengangguran sebagai variabel intervening selama tahun 2022-2024. Metode yang digunakan adalah pendekatan kuantitatif dengan teknik analisis jalur (path analysis) melalui data panel dari 35 kabupaten dan kota di Jawa Tengah. Pemilihan model regresi terbaik dilakukan melalui uji Chow, Hausman, dan Lagrange Multiplier, dan pengolahan data dilakukan menggunakan EViews 10. Hasil penelitian menunjukkan bahwa tenaga kerja berpengaruh positif signifikan terhadap pengangguran, dan pengangguran berpengaruh positif signifikan terhadap kemiskinan. Sebaliknya, investasi menunjukkan pengaruh negatif signifikan terhadap pengangguran dan kemiskinan. Melalui pengangguran, tenaga kerja memiliki pengaruh tidak langsung yang positif terhadap kemiskinan, sedangkan investasi memiliki pengaruh tidak langsung yang negatif. Temuan ini menguatkan teori dualisme ekonomi Arthur Lewis dan teori Harrod-Domar, serta mengindikasikan bahwa ketidakseimbangan antara jumlah tenaga kerja dan penyerapan kerja memperburuk kemiskinan, sementara investasi mampu mendorong pertumbuhan inklusif. Penelitian ini merekomendasikan kebijakan pemerataan investasi dan penguatan kualitas tenaga kerja agar program pengentasan kemiskinan lebih efektif dan tepat sasaran.
PENGARUH PENGGUNAAN QUICK RESPONSE INDONESIA STANDARD (QRIS) DAN CASH TERHADAP KEPUTUSAN BELANJA DI ALFAMART GAMBUT KALIMANTAN SELATAN Aisyah, Lisda
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 01 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i01.476

Abstract

This study aims to examine the effect of using QRIS and Cash on a consumer's shopping decision. A total of 43 respondents were involved as research samples selected using the incidental sampling method. The data were analyzed using quantitative methods including validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing through t and f tests and the coefficient of determination test (R2 Test). Data that meets the criteria for validity, reliability and classical assumption tests are processed using SPSS software, obtaining the following regression equation: Y = -2.325 + 0.531 X1 + 0.436 X2 with variable use of QRIS (X1), Cash (X2) and Shopping Decisions (Y). the results of hypothesis testing show that if the use of QRIS and Cash has a positive and significant effect on shopping decisions. The coefficient of determination (R2) of 0.519 indicates that 51.9% of shopping decisions at Alfamart are influenced by the variables studied, while the remaining 48.1% is caused by other variables not analyzed in this study.
NILAI DAN PRAKTIK ETIKA EKONOMI ISLAM DI LEMBAGA KEUANGAN SYARIAH Nor Alia; Maulidayati
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 01 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i01.489

Abstract

Over the past two decades, Islamic Financial Institutions (IFIs) in Indonesia have undergone significant growth, beginning with the establishment of Baitul Maal wat Tamwiil (BMT) in 1984. These institutions emerged in response to the public’s demand for Sharia-compliant financial services free from riba (usury). Unlike conventional financial institutions, IFIs operate in accordance with Islamic principles derived from the Qur’an and Hadith, strictly avoiding prohibited elements such as maysir (speculation), gharar (uncertainty), riba (interest), and other unlawful practices. This study adopts a literature review approach, drawing data from relevant books and scholarly journals. IFIs serve as intermediaries between those requiring funds and those with surplus capital through profit-sharing mechanisms. Moreover, they play a vital role in managing social funds—such as zakat, infaq, and sadaqah—to promote community economic welfare. The article further explores the ethical values embedded in IFI business practices and products, while emphasizing their crucial contribution to fostering economic growth and social justice in Indonesia.
EFISIENSI DIGITALISASI DALAM PENINGKATAN PENETRASI PASAR KEUANGAN SYARIAH Maulidayati; Alia, Nor
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.490

Abstract

Digitalisasi telah menjadi salah satu kekuatan pendorong utama dalam transformasi industri keuangan, termasuk sektor keuangan syariah. Artikel ini membahas bagaimana efisiensi yang dihasilkan oleh digitalisasi dapat meningkatkan penetrasi pasar keuangan syariah, dengan menyoroti dampak teknologi terhadap aksesibilitas, inklusi keuangan, dan penyederhanaan proses layanan perbankan syariah. Melalui penerapan teknologi digital seperti mobile banking, fintech, dan blockchain, lembaga keuangan syariah mampu memperluas jangkauan mereka kepada segmen pasar yang sebelumnya terabaikan, seperti masyarakat di daerah terpencil dan kalangan milenial yang lebih akrab dengan teknologi. Selain itu, digitalisasi juga memungkinkan pengurangan biaya operasional, peningkatan kecepatan transaksi, serta transparansi yang lebih tinggi, yang pada gilirannya meningkatkan kepercayaan publik terhadap sistem keuangan syariah. Penelitian ini mengkaji beberapa inisiatif digital yang telah berhasil diterapkan oleh bank-bank syariah di berbagai negara, serta tantangan yang dihadapi dalam upaya meningkatkan penetrasi pasar. Hasilnya menunjukkan bahwa meskipun ada beberapa hambatan seperti regulasi dan adopsi teknologi, digitalisasi tetap menjadi faktor kunci dalam mempercepat ekspansi pasar keuangan syariah di tingkat global.
Business Model Canvas sebagai Media Pembelajaran Praktikum Bisnis bagi Mahasiswa: Studi Literatur Difi Dahliana; Ma'mun, Muhammad Yulian; Soraya, Nazmi; Aisyah, Lisda
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.495

Abstract

Business learning in higher education still faces the problem of the gap between theory and practice. Conventional methods that are too concept-oriented make it difficult for students to understand the relationship between business components in real terms. This condition demands a more contextual, interactive, and easy-to-understand practicum approach. The Business Model Canvas (BMC) is a comprehensive yet straightforward alternative learning instrument that presents a complete picture of the business model through nine main blocks. This article presents a literature study by examining the scientific publications of the last five years (2020–2025) regarding the application of BMC in business learning. The results of the study show that BMC is efficacious in improving students' conceptual understanding, analytical skills, creativity, and entrepreneurial motivation. Furthermore, BMC encourages project-based learning through group work, simulations, and the preparation of business models that resemble real practices. However, the implementation of BMC still faces challenges in the form of time constraints, technical difficulties, and a culture of passive learning. Thus, BMC integration is important as an innovative learning strategy that can strengthen students' readiness to face the dynamics of the business world.
QRIS BSI SEBAGAI INSTRUMEN INKLUSI KEUANGAN SYARIAH: DAMPAK DAN KENDALA BAGI UMKM DI MASJID AL-MUNAWAR KOTA TERNATE Yunus, Kurniati; Syaifuddin; Usmayani, Ilham Putra; Sudirman, Muh. Sajjaj
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.501

Abstract

The adoption of electronic money through the Quick Response Code Indonesia Standard (QRIS) is an important innovation in supporting transaction digitalization, promoting financial inclusion, and strengthening the economic growth of micro, small, and medium enterprises (MSMEs). Bank Syariah Indonesia (BSI) introduced QRIS as a sharia-compliant payment instrument; however, its implementation still faces challenges at the mosque-based MSME level. This study aims to analyze the impact and obstacles of using BSI QRIS among MSMEs in the Al-Munawar Mosque community in Ternate City, focusing on how its application influences business activities and consumer satisfaction. A qualitative descriptive method was employed with four informants consisting of two MSME actors and two consumers, using Miles and Huberman’s interactive data analysis model, which includes data reduction, data display, and conclusion drawing. The findings reveal that before using QRIS, MSMEs experienced difficulties such as losing potential customers due to limited payment options, slow cash transactions, and challenges in separating personal and business finances. After adopting BSI QRIS, MSMEs benefited from increased sales, time efficiency, stronger brand awareness, and improved transaction recording. The only obstacle reported was internet connectivity issues during unfavorable weather conditions, while no significant challenges were found in the registration or transaction process. These results highlight the importance of BSI QRIS as a sharia-based financial inclusion instrument that can enhance the competitiveness of MSMEs in the digital era.
Analisis Akad Murabahah pada Produk Pembiayaan Cicilan Emas di PT Bank Syariah Indonesia Kantor Cabang Pasuruan: Tinjauan Kepatuhan Syariah Berdasarkan Fatwa DSN-MUI No. 77/2010 Liatul Aini; Bakhri, Saiful
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.529

Abstract

This study analyzes the implementation of the murabahah contract on gold installment financing products at PT Bank Syariah Indonesia (BSI) Pasuruan Branch Office. The research focuses on evaluating the conformity of the financing mechanism with sharia principles, especially regarding price determination, margin transparency, and the requirement of bank ownership over the gold before resale to customers. The analysis is based on the provisions of DSN-MUI Fatwa No. 77/DSN-MUI/VI/2010, which regulates non-cash gold transactions to prevent elements of riba, gharar, and speculation. The results indicate that the administrative procedures, financing requirements, and installment schemes implemented by BSI have fulfilled sharia compliance and operational standards. However, the study also finds challenges such as customers' limited understanding of the murabahah structure and margin mechanism. Overall, the murabahah contract implementation in gold installment financing at BSI Pasuruan demonstrates strong adherence to sharia principles and serves as an effective financing solution for the community.

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