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Jurnal of Islamic Economic Studies
Published by Yayasan Darussalam Patalassang
ISSN : 30908493     EISSN : 3090871X     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
This journal contains writings of research results or theoretical studies related to economics, finance and Islamic banking. This journal focuses on the publication of research results in the field of Islamic Economic and Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 39 Documents
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Analisis Pengelolaan dan Efektivitas Zakat Produktif terhadap Pemberdayaan Pedagang Kaki Lima: Studi pada BAZNAS Kota Jambi Maryani; Wijaya, Deni; Angre Yani, Fitri; Zaini Ladista, Aldri; Dwi Andreanto, Agung; Suri Barus, Supian
Journal of Islamic Economic Studies Vol. 1 No. 3 (2025): September 2025
Publisher : Yayasan Darussalam Patalassang

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Abstract

This study aims to analyze the management and effectiveness of productive zakat distributed by the National Amil Zakat Agency (BAZNAS) of Jambi City in empowering street vendors. Productive zakat is viewed as a strategic instrument for transforming mustahik (zakat recipients) into muzakki (zakat payers) through enhanced business capacity and income growth. This research employs a normative-empirical approach with a qualitative descriptive method, combining legal analysis of zakat regulations—particularly Law Number 23 of 2011 on Zakat Management and BAZNAS regulations—with field data obtained through interviews and observations involving administrators and beneficiaries. The results indicate that the management of productive zakat at BAZNAS Jambi City has been in accordance with Islamic law principles and positive legal norms, encompassing planning, distribution, mentoring, and evaluation stages. However, its effectiveness in economic empowerment remains suboptimal due to limited capital, insufficient business assistance, and low financial literacy among beneficiaries. This study concludes that enhancing managerial capacity and continuous mentoring are key to achieving the objectives of productive zakat in accordance with maqāṣid al-syarī‘ah, particularly in preserving wealth (ḥifẓ al-māl) and promoting social welfare.
Bibliometric Mapping of Islamic Green Economy Research: Trends, Networks, and Emerging Themes Ainul Fatha Isman; Syahriyah Semaun; Muh. Ahsan Kamil; Ali Wardani; Muhammad Rasyid Ridlo
Journal of Islamic Economic Studies Vol. 1 No. 3 (2025): September 2025
Publisher : Yayasan Darussalam Patalassang

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The rapid growth of the global Islamic economy, with Sharia financial assets projected to reach USD 9.75 trillion by 2029, demands the transformation of Sharia accounting systems through artificial intelligence (AI) implementation. This study analyzes the impact of AI on the transformation of Sharia accounting systems from a global perspective using qualitative methods through library research examining recent academic sources. The results reveal that AI enhances Sharia compliance monitoring accuracy by up to 92% through natural language processing (NLP), but faces complex challenges including regulatory disparities, algorithmic biases, and technological infrastructure gaps between GCC, Southeast Asia, and Africa regions. Key findings emphasize the need for an ethical framework based on maqasid al-shariah and localized AI adoption strategies. The research contributes to the development of a hybrid intelligence model integrating AI with human expertise and an ethical AI certification framework for Sharia accounting. This study recommends multisectoral collaboration to ensure digital transformation aligned with Islamic values.
Hukum Menggadaikan Harta Pinjaman Menurut Hukum Islam Angga lestari Nugraha
Journal of Islamic Economic Studies Vol. 1 No. 3 (2025): September 2025
Publisher : Yayasan Darussalam Patalassang

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Abstract

Pawning is pledging property as collateral for the debt borrowed. However, if the status of the mortgaged property is the result of borrowing, of course there are views regarding the legal status of pawning borrowed assets. The purpose of this research is to find out about the legal status of pawning borrowed assets according to Islamic law. The research method is a qualitative method which aims to understand in depth the law of pawning borrowed assets according to Islamic law. The data in this research are in the form of documents, books and journals related to this research. This research also uses data collection techniques using the literature study method (library research). The results of this research can be concluded that pawning loaned assets is permitted on condition that the owner of the property gives permission. In Islam, loaned assets are only used as collateral, there is no transfer of ownership, so that the loan proceeds can also be used as collateral in pawning. This research is expected to increase insight into Islamic treasures, especially in the field of sharia economics.
Strengthening Sharia Financial Literacy and Portable Marketing for the Tengger Tribe Community Bakhri, Saiful; I Nyoman Budiono; Sulistyowati; Siti Hasanah; Ahmad Fauzan Mubarok; Khotibul Umam; Nadia Azalia Putri; Ana Pratiwi; Hasnah Haron; Nur Aima Shafie; Siti Kadariah
Journal of Islamic Economic Studies Vol. 1 No. 4 (2025): December 2025
Publisher : Yayasan Darussalam Patalassang

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This community service program aims to enhance the economic independence of the Tengger Tribe through strengthening Islamic financial literacy and portable digital marketing skills. The program was conducted as an international collaboration between Indonesian universities that are members of APSKPS and Malaysian universities, namely Universiti Sains Islam Malaysia (USIM), Universiti Teknologi MARA (UiTM), and Universiti Kebangsaan Malaysia (UKM). The study employed a Participatory Action Research (PAR) approach, involving the community actively in each stage of the program, from planning to implementation and evaluation. The results indicate an increased understanding among participants regarding Islamic financial principles, including contracts such as mudharabah, musyarakah, and murabahah, as well as the application of simple financial record-keeping in small enterprises. Moreover, the portable marketing training encouraged local entrepreneurs to utilize digital platforms such as WhatsApp Business and Instagram to promote Tengger’s local products to a broader market. This program successfully fostered cross-country academic collaboration and demonstrated that the synergy between education, Islamic values, and digital technology can serve as an effective strategy in developing an equitable and competitive indigenous economy.
Local Economic Transformation through International Collaboration: Optimizing the Creative Economic Potential of Edelweiss Flowers Based on Sharia Principles Ismawati; Hanim Misbah; Nuur Halimatus Saadiah Masrukhin; Atina Hidayati; Mitra Sami Gultom; Dewi Maharani; Inarotul A'yun; Andi Bahri S; Hastin Tri Utami; Puspita; Alip Toto Handoko
Journal of Islamic Economic Studies Vol. 1 No. 4 (2025): December 2025
Publisher : Yayasan Darussalam Patalassang

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This Community Service Program (PKM) aims to support local economic transformation among the Tengger Tribe by optimizing creative economic potential based on the edelweiss flower through a sharia-based framework and international collaboration between Indonesian universities that are members of APSKPS and Malaysian universities. A participatory approach was applied through observation, interviews, focus group discussions, documentation, and direct educational mentoring for local micro‐entrepreneurs. The findings reveal improved Islamic financial literacy, enhanced portable digital marketing capacity, and strengthened ecological awareness regarding the conservation of edelweiss as a culturally valuable yet environmentally sensitive species. Collaboration with USIM, UiTM, and UKM enabled cross-country knowledge transfer that enriched empowerment strategies and broadened the community’s orientation toward sustainable creative economy development. This program integrates Islamic spiritual-ecological values, environmental preservation, and digital innovation into a single framework rooted in maqashid shariah. The results indicate that economic utilization of edelweiss does not require harvesting from natural habitats, but can be developed through non-destructive derivative products and creative digital content grounded in local culture. This model serves as an example of inclusive, sustainable, and socially just community empowerment.
Efektivitas Manajemen Pembiayaan Ijarah Multijasa pada Layanan Pembiayaan FIF Group Andi Lisa Aryani Hamjan; Hasanah; Muhammad Fakhri Amir
Journal of Islamic Economic Studies Vol. 1 No. 4 (2025): December 2025
Publisher : Yayasan Darussalam Patalassang

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Ijarah Multijasa financing has become one of the essential instruments in the development of Islamic financial services in Indonesia, particularly in supporting the financing needs of pilgrimage activities such as Hajj and Umrah. However, the effectiveness of financing management within non-bank institutions such as FIF Group has received limited scholarly attention. This study aims to analyze the effectiveness of Ijarah Multijasa financing management for Hajj and Umrah advance funds provided through the Amitra unit of FIF Group. The research employs a descriptive qualitative approach, with data collected through in-depth interviews, observation, and documentation, involving Amitra employees and customers as key informants. The findings indicate that the financing implementation adheres to sharia principles, as shown by the proper analysis of customer eligibility, the absence of late payment penalties, the non-imposition of early settlement penalties, and the transparent explanation of the contract prior to signing. The reminder system implemented by Amitra also contributes to timely installment payments. Nonetheless, customer understanding of sharia contractual concepts still requires improvement. This study offers theoretical implications concerning the importance of sharia compliance in financing management and practical recommendations to strengthen customer education and communication for enhancing the quality of Islamic financing services.
Analisis Perbedaan Kinerja Keuangan Bank Syariah Menurut Standar AAOIFI Jhody Wiraputra; Okta Sari; Ridwansyah, Ridwansyah
Journal of Islamic Economic Studies Vol. 1 No. 4 (2025): December 2025
Publisher : Yayasan Darussalam Patalassang

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This study aims to qualitatively analyze the differences arising in the measurement of financial performance of Islamic banks when measured using AAOIFI Financial Accounting Standards compared to accounting standards in force in Indonesia. This study uses qualitative research library studies with content analysis and comparative interpretation to understand the philosophical and practical impact of standard differences on key performance indicators. The results of the analysis indicate that the measurement of the financial performance of Islamic banks will be materially different when using the AAOIFI framework compared to PSAK Syariah, mainly due to differences in the philosophy of AAOIFI standards oriented to Sharia normative compliance, while PSAK oriented to economic decision-making. This key divergence affects the calculation of profitability ratios and AAOIFI's emphasis on social reporting as well as comprehensive sharia compliance audits, so that AAOIFI provides a more holistic and accurate picture of performance in accordance with the objectives of Maqashid Sharia. The implication of this study is that Islamic banks in Indonesia need to consider harmonizing their financial reporting standards towards the AAOIFI framework to achieve more accurate, holistic, and aligned performance transparency with the principles of Maqashid Sharia, in order to improve global competitiveness.
Perlindungan Hak Konsumen dalam Jual Beli Online: Analisis Prinsip Khiyār dalam Fikih Muamalah dan Relevansinya dengan Hukum Indonesia Achmad Alfian Saputra; Nailan Nabila
Journal of Islamic Economic Studies Vol. 1 No. 3 (2025): September 2025
Publisher : Yayasan Darussalam Patalassang

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The development of digital technology has changed transaction patterns from conventional to online buying and selling, which presents both opportunities and risks for consumers. Issues such as defective goods, mismatched descriptions, and difficulties in returns indicate the need for stronger legal protection. In muamalah fiqh, the principle of khiyār gives the transacting parties the right to continue or cancel a contract based on certain conditions, including khiyār kondisi, khiyār majlis, khiyār aib, and khiyār ru’yah. This study aims to analyze the relevance of the principle of khiyār as a basis for consumer protection in online buying and selling and examine its compliance with Indonesian positive law. The research method used is descriptive qualitative with a literature study approach and normative-comparative analysis. Data sources consist of classical fiqh literature, laws and regulations, and previous research results. The results of the analysis show that khiyār aib and khiyār ru’yah are highly relevant in the context of e-commerce, because they provide the basis for consumer rights to return and refund. The integration of the principles of khiyār and Law Number 8 of 1999 strengthens consumer protection both legally and ethically. This study concludes that the implementation of khiyār can complement positive law, increase consumer awareness, and encourage fairer and more transparent online business practices. 
Integrasi Ilmu dan Praktik dalam Manajemen Syariah Jessika Gafur Lamba; Irwan Misbach; Okta Nofri
Journal of Islamic Economic Studies Vol. 1 No. 4 (2025): December 2025
Publisher : Yayasan Darussalam Patalassang

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This paper examines the intersection between the philosophy of science (epistemology, methodology, and ontology) and the development of Islamic management theory and practice. Using a critical literature review (library research), the study explores how Islamic epistemological foundations — including revealed sources and rational inquiry — shape paradigms, methods, and objectives in Islamic management (manajemen syariah). The review finds that integrating philosophy of science with maqāṣid al-sharīʿah and Islamic epistemology fosters a management model that pursues not only economic efficiency but also social welfare, justice, and ethical accountability. Recommendations include developing multi-method research approaches (hermeneutic-theoretical combined with empirical methods), embedding shariah values into performance metrics, and involving religious scholars in organizational policy design. Theoretical and practical implications for scholars, policymakers, and Islamic organizational.

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