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INDONESIA
Ekonomi Syariah, Perbankan, Hukum, dan Sistem
Published by Yayasan Ahmad Sarmadi Indonesia
ISSN : -     EISSN : 30314143     DOI : 10.17605
Core Subject : Economy, Humanities, Science, Agriculture, Social,
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
The Islamic Economics, Banking, Law, System journal is an academic publication focusing on the study of Islamic economics, Islamic banking, Islamic law, and the systems that underpin them. EKOSSISTEM journal aims to provide in-depth insights into the application of Islamic economic principles in the banking sector and legal systems, as well as their impact on global economic development. The articles published cover a wide range of topics, from Islamic economic theory and innovations in Islamic banking products to legal studies related to finance and Islamic business practices.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) -
Articles 11 Documents
 1   2 
THE EFFECTIVENESS OF VILLAGE HEAD POLITICAL COMMUNICATION IN INCREASING THE SUCCESS OF THE CLIMATE VILLAGE PROGRAM: Political Communication, Village Heads, and Climate Village Programs Retno Dewi, Hasti; Patrianti, Tria; Harmonis, Fal
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/4mbtj527

Abstract

Unstable climate change has the potential to reduce economic growth, food security, and human health. This study aims to explore the effectiveness of political communication of village heads in increasing the success of the Climate Village Program. Qualitative research method with interviews with 30 village heads who have received awards from the National Climate Change Week (PNPI) and content analysis from 30 relevant communication journals. The results of the analysis show that effective political communication plays a role in creating a society that is aware and responsive to environmental issues. The implementation of a good socialization strategy involving all levels of society and information transparency encourages active participation and collaboration, which is essential for the success of the program. The support of community and government leaders, as well as the intensification of communication, is very good for increasing the positive impact on environmental sustainability. The implications of the implementation for other heads of desai that do not include informants are more effective in implementation if there are program challenges that require serious attention, especially in two implementations, namely improving environmental education and infrastructure investment. The results of this study refer to the need for integrated efforts in environmental management and sustainable development.
THE ROLE OF RELIGIOUS INFLUENCERS IN THE DA'WAH DIGITAL SYSTEM A STUDY OF OPPORTUNITIES AND CHALLENGES IN THE COMMUNITY Soleh, Ahmad; Patrianti, Tria
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/nfksah90

Abstract

This study aims to examine the role of religious inOluencers in digital da'wah in Indonesia, a country with a majority Muslim population. Despite the signiOicant potential to disseminate Islamic teachings through modern technology, communication barriers hinder the understanding of these teachings. Da'wah communication is considered crucial in Islam to attain the best rewards. The research methodology is qualitative with a descriptive approach. The results indicate that religious inOluencers bear a signiOicant responsibility in accurately and effectively conveying religious teachings through various communication channels. While easy access to online information presents opportunities, challenges such as misinformation dissemination and societal resistance need to be addressed. To overcome these obstacles, inOluencers must become intelligent, adaptive communicators who build trust with their audiences. By bridging tradition with technology, digital da'wah can serve as an effective means to responsibly disseminate religious values in the continuously evolving digital era. 
PRE-DISPUTE OF LAND WAKAF IN THE PERSPECTIVE OF ARTICLE 40 OF LAW NO. 41 OF 2004 ON WAKAF AS A SOLUTION TO EDUCATIONAL ISSUES IN INDONESIA Hidayatullah, Syarif; Sarmadi, Ahmad
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/zwv4az22

Abstract

This is study examines the pre-dispute of land waqf in the perspective of Article 40 of Law No. 41 of 2004 as a solution to education problems in Indonesia, with a focus on the community in Tangerang. The complex issue of secondary education raises tensions between the legal meaning and practice of waqf, especially related to the use of waqf assets for education. The research method used was qualitative with data collection through interviews, observations, and documentation at the Al Mabrurotul Munawwaroh Al Amanah Foundation. Interviews were conducted with education managers, related officials, and administrators of the Indonesian Waqf Board (BWI). The results of the study show that the prevention of waqf disputes is highly dependent on transparent and participatory asset management, as well as the understanding of rights and obligations through socialization. The ambiguity of the waqf pledge deed needs to be overcome to strengthen the legitimacy of management. The conflict between the heirs and the nadzir reflects a social dynamic that requires a constructive solution. These findings confirm that a clear legal framework and collaboration between parties are essential to utilize land waqf in improving access and quality of education in Indonesia.
COMMUNICATION MANAGEMENT OF THE DEAF COMMUNITY IN INDONESIA PPPA DAARUL QUR'AN D.I. YOGYAKARTA: Communication management, Deaf reciting, and PPPA Darul Qur'an. Fitriatus Sholihah, Diah; El Adawiyah, Sa’diyah
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/ss4kg250

Abstract

The Islamic religious education for Deaf Muslims in Indonesia faces various complex challenges, resulting in unequal access to education for deaf and illiterate Muslims. The purpose of the research was to analyze communication management in the Deaf Teaching program. There is research on the descriptive qualitative approach used at the research locus at PPPA Daarul Qur'an Yogyakarta, which is the center of Qur'an education for the Deaf community. Primary data sources were obtained through face-to-face interviews and Zoom media. The results show that planned and inclusive communication management has a significant impact on the education of the Deaf community. In addition, the process of systematic planning and adaptive implementation creates a learning environment that supports growth and active participation. Applying research on the use of visual technology and sign language, the program of the deaf community in Yogyakarta not only meets the needs of religious education but also empowers individuals in the deaf community. The output of this study proves that inclusive and adaptive education can change social dynamics and increase access for people with disabilities.
DA'I COMMUNICATION MANAGEMENT IN THE NAHDLATUL ULAMA RECITATION GROUP IN BEKASI (KAJIAN AL QUR'AN SURAH ALI IMRAN AYAT 104) Soleh, Ahmad; Hidayat, Hadi
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/7xz6rr78

Abstract

The purpose of this study is to explore the management of Da'i communication in the Nahdatul Ulama recitation group in Bekasi based on Surah Ali Imran verse 104. The method used is a qualitative approach with literature study, including analysis of the text of the Qur'an and its interpretation to understand the context and meaning of the verse. Data collection is carried out through an in-depth study of the text. The results of the study show that the management of da'i communication in da'wah to the community is a complex process that requires planning, organizing, implementing and supervising communication as well as having listening skills, empathy, and understanding of verbal and non-verbal elements to create a harmonious relationship with the da'wah community. Good communication management skills not only help Da'i in preaching but also improve the ability to express themselves and understand others, and contribute to a collaborative social climate. This study also identifies how the communication management of a Da'i in dealing with group communication challenges such as resistance between group members due to lack of communication skills to convey and listen to messages from group members. The solution is that government support is needed such as contextual education and communication training for Da'i. Thus, investing in the communication management skills of a Da'i provides important benefits in achieving the broader goals of da'wah, creating an obedient, harmonious, and productive society.
IMPLEMENTATION OF REGIONAL REGULATION POLICIES IN HANDLING FLOOD DISASTERS IN SOUTH TANGERANG CITY (Case Study: Communication, Human Resources, Disposition and Bureaucratic Structure) Taslim, Muhamad; Satispi, Evi; Harmonis, Fal
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/r9j8d351

Abstract

The research method used is a qualitative approach with a case study design. Data was collected through in-depth interviews with local government officials, analysis of policy documents, and field observations in flood- prone locations. This approach allows researchers to gain a deeper understanding of the dynamics that occur in the handling of flood disasters.
THE CRITERIA FOR PROSPECTIVE LIFE PARTNERS IN FORMING A FAMILY OF SAKINAH MAWADDAH WAROHMAH ACCORDING TO COMMUNITY LEADERS OF PANANCANGAN VILLAGE (CASE STUDY IN CIPOCOK JAYA DISTRICT) Sarmadi, Ahmad; Hidayatullah, Syarif; Setyawan, Bambang
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/nvw8me29

Abstract

The family of Sakinah Mawaddah Warahmah is the dream of every Muslim, but the reality of the high divorce rate indicates the need for careful consideration in choosing a life partner. This study aims to criticize and uncover the criteria for prospective life partners according to the perspective of local wisdom of community leaders in Panancangan Village, Cipocok Jaya District. This qualitative case study collected data through in-depth interviews with religious leaders, traditional leaders, and parents who were considered successful in fostering households, as well as observations and document studies. The data were analyzed interactively using the Miles and Huberman models. The results of the study form a hierarchical-integrative framework of criteria, consisting of: (1) the foundation of religion and morals as the central axis and value filter, (2) psychological and mental readiness as a tool for navigating relationships, (3) economic and social aspects as a support for household operational stability, and (4) education and insight as a driver of adaptation and family development. These four pillars synergize dynamically with each other, representing a holistic model that blends spiritual idealism with social reality to realize family resilience.
PERAN AMAL USAHA MUHAMMADIYAH DALAM PENGEMBANGAN EKONOMI UMAT DI KOTA TANGERANG Yusrizal
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/xnap8v95

Abstract

Muhammadiyah Charity in various regions, including Tangerang City, is a manifestation of the organization's efforts in spreading da'wah and realizing a progressive Islamic society. The research aims to analyze the role of Muhammadiyah Business Charity (AUM) in the economic development of the ummah in Tangerang City through a qualitative approach with a case study method. Data collection was carried out through in-depth interviews, field observations, and document analysis to comprehensively understand the contribution of AUM. The focus of the research includes AUM managers and fostered MSME actors who interact directly with Muhammadiyah's economic empowerment program. Primary data was obtained from AUM managers and business actors, while secondary data came from literature studies and institutional reports. The analysis shows that AUM performance is in the good category, characterized by institutional effectiveness, program relevance, and accountable governance. AUM plays a significant role as an economic driver of the ummah through educational, health, social, and business unit services based on sharia economic principles that encourage social justice and economic inclusivity. However, some aspects such as the quality of human resources and business model innovation are still in the poor category so they need strengthening. The impact of AUM is evident in community empowerment, increased access to services, and its contribution to equitable welfare. This finding confirms that optimizing the role of AUM requires synergy between strong internal capacity and adaptability to external dynamics for the economic sustainability of the people in Tangerang City.
ANALYSIS OF THE UTILIZATION AND MANAGEMENT OF ZAKAT FUNDS BY BAZNAS FOR THE PERIOD 2019-2021 EFFICIENCY STUDY OF ZAKAT METHOD CORE PRINCIPLES Wahid, Abdul; Sujatna, Yayat
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/8b0jqw75

Abstract

The utilization of zakat funds is the process of using zakat funds to meet the needs of mustahik (zakat recipients) in order to improve social and economic welfare. This research analyzes the efficiency of the utilization and management of zakat funds by the National Zakat Agency (BAZNAS) for the 2019-2021 period using the Zakat Core Principles (ZCP) Method. Using a qualitative approach and secondary data from BAZNAS's financial and performance reports, the study measures effectiveness based on the principles of wealth redistribution, moral values, and social solidarity. The results indicate that BAZNAS has achieved a high level of effectiveness in managing zakat funds. Programs, such as staple food assistance, were implemented quickly and on target, providing a significant positive impact in meeting the consumptive needs of mustahik. BAZNAS is considered successful in optimizing the use of funds through targeted programs and cooperation with local partners, thereby contributing to the improved welfare of zakat recipients. To further increase efficiency, it is recommended that BAZNAS strengthen planning, strategy evaluation, and coordination with local partners to ensure increasingly efficient and well-targeted fund distribution.  
THE ANALYSIS OF THE IMPLEMENTATION OF IB SIAGA PENSION FINANCING ACCORDING TO THE DSN-MUI FATWA ON MURABAHAH TAKE OVER AT BANK KB BUKOPIN SYARIAH KPO SALEMBA JAKARTA Prasetya, Seta; Anwar, Saiful
EKOSSISTEM : Islamic Economics, Banking, Law, System Vol. 3 No. 6 (2025): Ekossistem Vol 3 Number 6 Agustus-Maret (2025)
Publisher : EKOSSISTEM : Islamic Economics, Banking, Law, System

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17605/mczc8y38

Abstract

In the current digital era, the growth of Islamic banking in Indonesia continues to show a significant increase. This research aims to analyze the compliance of the implementation of takeover financing contracts for the iB SiAga Pensiun product at Bank KB Bukopin Syariah KPO Salemba Jakarta with the fatwas of the National Sharia Board - Indonesian Ulema Council (DSN-MUI). Using a descriptive qualitative method with field study and literature review approaches, the research finds that the implementation of the Murabahah bil Wakalah contract used does not substantially meet sharia principles. This contract deviates from the pillars of Murabahah due to the absence of a real commodity object (mabi'), potentially leading to gharar and usury (riba), and is not aligned with the specific schemes formulated by DSN-MUI in Fatwa No. 31/2002 and No. 90/2013. The study recommends product reconstruction by replacing the contract with a hybrid scheme (a combination of Qardh, Sale and Purchase, and Murabahah) for takeovers from Conventional Financial Institutions (LKK) and the Hiwalah bi al-Ujrah scheme for takeovers from other Islamic Financial Institutions (LKS). This should be accompanied by a comprehensive revision of internal guidelines and the strengthening of sharia audits to ensure substantive compliance.

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