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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 56 Documents
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Application Right of Khiyar as a Legal Protection Mechanism in the Ecosystem of Online Diamond Trading: A Perspective from Islamic Law and Positive Law Aditya Ramadhan; Nurlatifatusolihah
Journal of Islamic Economic Studies Vol. 2 No. 2 (2026): June 2026
Publisher : Yayasan Darussalam Patalassang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66274/

Abstract

The growth of digital transactions based on online games has raised new challenges in the implementation of consumer protection principles, both from the perspective of positive law and Islamic law. This study aims to analyze the application of the right of khiyar as a legal protection instrument within the ecosystem of online game diamond sales and purchases at Rise Store, viewed from the perspectives of Islamic law and positive law. The study employs a qualitative method with a phenomenological approach, integrating normative and empirical legal methodologies, with primary data collected through observation, interviews, and documentary analysis of Rise Store’s internal staff and its users. The research results indicate that Rise Store’s mitigation mechanisms including information transparency, the buyer’s freedom to proceed with or cancel a transaction, and an official complaint channel comply with the provisions of the Consumer Protection Law and the ITE Law, and implement the right of khiyar as stipulated in DSN-MUI Fatwa No. 146/DSN-MUI/XII/2021. From the perspective of Maqāshid al-Syariah as articulated by Jasser Auda, all these protective mechanisms ultimately aim to realize hifdzul maal within the dimensions of fair economic development and equitable distribution of rights. This research contributes to strengthening the regulatory framework for Sharia-based digital transactions while providing a practical model for the integration of Islamic law and positive law in digital consumer protection.
Expanding Access to Halal Food SME Partnerships Using the 5W+1H in Tangerang Regency Devi Nadia; Anni Rohimah
Journal of Islamic Economic Studies Vol. 2 No. 2 (2026): June 2026
Publisher : Yayasan Darussalam Patalassang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66274/

Abstract

This study aims to identify obstacles and solutions for expanding access to partnerships for Micro, Small, and Medium Enterprises (MSMEs) in the halal food sector in Tangerang Regency using the 5W+1H approach. Data collected from 39 MSMEs revealed that only 5.13% had complete partnership records. A descriptive qualitative approach was employed through interviews with directors of supporting institutions, deputy advisors, academics, and MSME practitioners. The findings revealed that the main challenges include limited knowledge of halal standards, insufficient access to technology and digital marketing, and a lack of partnership networks. Recommendations include intensive mentoring for six months, the implementation of Orgaware, and digital marketing strategies. The 5W+1H approach is effective in mapping issues and formulating solutions aligned with Sustainable Development Goal (SDG) 8.
Analisis Penerapan Nilai-Nilai Tasawuf Al-Ghazali Dalam Aktivitas Transaksi Pada Koperasi Primkop Pullahta Hankam Faricha Noor Aida; Adi Mansah
Journal of Islamic Economic Studies Vol. 2 No. 2 (2026): June 2026
Publisher : Yayasan Darussalam Patalassang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66274/

Abstract

This study examines the decline of moral values and the rise of materialistic tendencies in contemporary cooperatives, which are influenced by the gap between formal regulations and spiritual awareness. The research aims to analyze the implementation of Imam Al-Ghazali's Sufism values in transaction activities at Primkop Pullahta Hankam Cooperative, identify the values reflected in practice, and explore the supporting and inhibiting factors affecting their implementation. A descriptive qualitative approach was employed, with data collected through in-depth interviews with twelve key informants, participant observation, and documentation. The findings reveal that nine core Sufism values of Imam Al-Ghazali, namely repentance (taubah), patience (sabr), gratitude (shukr), asceticism (zuhd), trust in God (tawakkul), love (mahabbah), sincerity (ikhlas), trustworthiness (amanah), and honesty (sidq), have been integrated into financial transactions and cooperative governance. The implementation of these values promotes accountability that extends beyond material concerns to encompass spiritual responsibility before God. The study also finds that these spiritual values are compatible with the military discipline culture within the defense environment and function as an effective internal mechanism for minimizing moral hazards. However, their implementation remains largely driven by compliance with standard operating procedures rather than genuine spiritual consciousness. Therefore, strengthening the process of tazkiyatun nafs (self-purification) is essential to deepen the internalization of Sufism values in cooperative practices.
Sustainable, Governance and Development (SGD) in Relation to Zakat: A Philosophical Perspective on Ethical Redistribution and Social Welfare Ittong Sulle; Ameen Thalib; Muh Ridwansyah
Journal of Islamic Economic Studies Vol. 2 No. 2 (2026): June 2026
Publisher : Yayasan Darussalam Patalassang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66274/

Abstract

This study examines the philosophical relationship between Sustainable, Governance and Development (SGD) and zakat within the framework of Islamic socio-economic thought. This study explores how zakat contributes to sustainability through continuous social benefit, governance through accountability and transparency, and development through human empowerment and poverty reduction. Using a qualitative conceptual approach through literature review and philosophical analysis.. The findings indicate that zakat embodies distributive justice by balancing wealth accumulation with social responsibility. Furthermore, the tawhidic worldview positions zakat as an integrated socio-economic instrument linking spirituality, ethics, institutional governance, and sustainable human development. The study concludes that SGD related to zakat represents a comprehensive Islamic philosophy in which material growth and moral responsibility must coexist harmoniously. The integration of sustainability, governance, and development through zakat offers an alternative paradigm for achieving equitable and sustainable socio-economic transformation in contemporary society.
Does Islamic Banking Foster Sustainable Economic Development? Critical Perspectives on Growth, Financial Inclusion, and Stability Kusnan; Sri Ermeila; Rahmi Aryanti; Junaidi Junaidi
Journal of Islamic Economic Studies Vol. 2 No. 2 (2026): June 2026
Publisher : Yayasan Darussalam Patalassang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66274/

Abstract

The Islamic banking sector has demonstrated substantial expansion since its inception; however, its global market share remains disproportionately low, particularly within Muslim-majority nations facing declining GDP growth. This study aims to evaluate whether Islamic banking genuinely fosters sustainable economic development by analyzing its specific influence on four dimensions: economic growth, profitability, financial stability, and distributive justice. Employing a systematic qualitative meta-synthesis and analytical review framework, this research triangulates empirical findings across these macroeconomic dimensions, focusing on Organization of Islamic Cooperation (OIC) member states. The findings indicate a mixed impact on sustainable development. First, regarding economic growth, Islamic banking's current scale and heavy reliance on non-PLS contracts severely limit its macroeconomic influence on national GDP. Second, profitability is positively correlated with macroeconomic factors, though it remains constrained by operational mimicry of conventional counterparts. Third, concerning financial stability, smaller-scale Islamic banks demonstrate stronger resilience and stability compared to larger commercial entities. Finally, in terms of distributive justice, Islamic banks successfully act as catalysts for financial inclusion and social finance, though true equitable wealth distribution remains suboptimal. The novelty of this research lies in its analytical triangulation of micro-financial viability against macroeconomic intermediation, providing a multidimensional assessment of how operational deviations hinder systemic sustainability. To achieve genuine economic sustainability, the Islamic banking sector must reform its operational models by prioritizing real-sector PLS financing, enhancing support for small and medium-sized enterprises (SMEs), and fostering comprehensive stakeholder collaboration.
Transformasi Keuangan Syariah melalui Financial Technology : Peluang, Tantangan, dan Dampaknya di Era Digital Najma Ainul Muhsanah; Andi Wawo; Jamaluddin Majid
Journal of Islamic Economic Studies Vol. 2 No. 2 (2026): June 2026
Publisher : Yayasan Darussalam Patalassang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66274/

Abstract

The rapid development of digital technology has significantly transformed the Islamic financial industry through the implementation of Financial Technology (Fintech). Islamic fintech has emerged as an innovative financial service that complies with Sharia principles, including the prohibition of riba (interest), gharar (uncertainty), and maysir (gambling), while providing greater efficiency, accessibility, and convenience in financial services. This study aims to analyze the development of Islamic fintech, its impact on Islamic financial institutions, and the opportunities and challenges it faces in the digital era. The research employs a qualitative descriptive approach using a library research method by reviewing scientific articles, books, regulations, and previous studies. The findings indicate that Islamic fintech contributes to improving financial inclusion, expanding access to financing for Micro, Small, and Medium Enterprises (MSMEs), enhancing operational efficiency, and encouraging innovation in Islamic financial products and services. However, Islamic fintech also faces several challenges, including low levels of financial and digital literacy, cybersecurity risks, increasing competition within the financial industry, and the need to maintain compliance with Sharia principles. Therefore, collaboration among the government, regulators, Islamic financial institutions, and society is essential to strengthen regulations, improve financial literacy, and promote secure, inclusive, and Sharia-compliant digital innovations to support sustainable Islamic economic growth.

Page 6 of 6 | Total Record : 56

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