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Sharia Economic Review Journal (SHACRAL)
Published by PT. Samudera Solusi Profesional
ISSN : -     EISSN : 30468221     DOI : https://doi.org/10.62952/shacral
Core Subject : Economy,
Economics, Econometrics & Finance
Sharia Economic Review Journal | ISSN (e): 3046-8221 is a scientific journal that focuses on providing insight into how sharia economic principles can be integrated effectively in an ever-changing global economic environment. In addition, the author evaluates new opportunities that arise for the development of sharia economics, both from a business and social perspective. This research involves empirical data analysis, case studies, and literature reviews to provide a comprehensive understanding of the dynamics of the Islamic economy. It is hoped that this journal can make an important contribution to the development of sharia economics and strengthen our understanding of the role of sharia economics in the global context. This journal is published 3 times a year, namely: February, June, and October. Manuscripts will be considered for publication in the form of original articles, case reports, short communications, letters to editor and review articles.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 20 Documents
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PENGGABUNGAN WAQF HIJAU MELALUI SISTEM PENDANAAN BERSAMA DIGITAL DAN IMPLIKASINYA PADA ASPEK SOSIAL DAN MASYARAKAT Ahsyanul Takwin
SHACRAL: Shari'ah Economics Review Journal Vol. 1 No. 1 (2024): Februari
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v1i1.10

Abstract

Penelitian ini bertujuan untuk mengeksplorasi integrasi wakaf hijau melalui platform crowdfunding digital dan mengkaji dampak sosial yang dihasilkannya terhadap masyarakat. Pendekatan yang digunakan dalam penelitian ini adalah literatur dan analisis kualitatif. Integrasi wakaf hijau melalui platform crowdfunding digital membentuk keterhubungan yang mendorong pembangunan berkelanjutan lintas generasi. Wakaf hijau menjadi instrumen hukum Islam yang relevan untuk menjawab tantangan umat manusia, khususnya terkait isu lingkungan hidup dan keadilan antargenerasi. Pendekatan penelitian ini bersifat deskriptif analitis yang dilakukan secara kualitatif. Hasil penelitian menunjukkan bahwa wakaf hijau berpotensi mengintegrasikan pembangunan dengan pelestarian lingkungan hidup, dengan fokus pada keberlanjutan pelestarian alam dan keadilan antargenerasi. Hal ini tercermin dari pemanfaatan sumber daya alam dengan tingkat kesetaraan antara generasi sekarang dan generasi mendatang, terutama dalam hal pilihan dan akses terhadap sumber daya alam. Wakaf hijau merupakan sebuah inovasi pelestarian lingkungan hidup yang dimulai dari pengumpulan dana melalui crowdfunding, yang kemudian digunakan untuk membeli lahan kritis yang akan diubah menjadi hutan kembali. Apabila lahan tersebut berhasil diubah menjadi kawasan hijau yang bernilai ekologis, maka lahan tersebut akan diberikan kepada masyarakat desa dengan syarat hutan tersebut dikelola dan dipelihara dengan baik. Selain memberikan solusi terhadap permasalahan kerusakan alam, wakaf hijau juga membawa manfaat dalam berbagai aspek, termasuk ekologi, energi berkelanjutan, sosial, ekonomi, dan kesejahteraan masyarakat.
LANDASAN HUKUM PERJANJIAN (AKAD) DAN PENERAPANNYA DALAM KONTEKS PERBANKAN SYARIAH DI INDONESIA Isabella Adriana Surya; Gabriella Aisyah Malik; Valencia Aurelia Pratiwi
SHACRAL: Shari'ah Economics Review Journal Vol. 1 No. 1 (2024): Februari
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v1i1.11

Abstract

Penelitian ini dipicu oleh pertumbuhan industrialisasi yang terus meningkat saat ini. Seiring dengan perkembangan di sektor industri, terjadi spesialisasi dan peningkatan pendapatan masyarakat. Fokus penelitian ini adalah dampak program industrialisasi yang berkembang pesat terhadap penyelesaian masalah ekonomi, khususnya dalam mengatasi ketidaksetaraan ekonomi. Melalui pendekatan deskriptif dan syar'i, penulis mengumpulkan data menggunakan metode penelitian kepustakaan. Industrialisasi dalam perspektif Islam diharapkan sesuai dengan maqashid syari'ah, sebagaimana tercantum dalam Al-Qur'an, yang dapat memberikan manfaat bagi semua pihak. Hasil penelitian ini menunjukkan bahwa program industrialisasi memiliki dampak signifikan terhadap pertumbuhan ekonomi suatu negara. Dengan pertumbuhan ekonomi, negara dapat menuju kesejahteraan, yang sering diwakili oleh pemerataan hak-hak masyarakat untuk mendapatkan peluang yang sama dalam segala hal, sehingga tidak ada ketidaksetaraan di masyarakat.
IMPLEMENTASI METODE SIMPLEKS UNTUK OPTIMASI KEUNTUNGAN UMKM KULINER: STUDI KASUS UMKM PENTOL BAMBANG Caren Novagita; Elen; Julinda; Meitasya; Mutiara Nini; Dudy Effendy
SHACRAL: Shari'ah Economics Review Journal Vol. 1 No. 1 (2024): Februari
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v1i1.12

Abstract

Pentol Bambang, milik Bapak Bambang Cahyono, adalah salah satu Usaha Mikro, Kecil, dan Menengah (UMKM) yang saat ini berkembang di Pontianak. Penelitian ini dilakukan dalam rangka mengembangkan solusi untuk mengoptimalkan keuntungan dari "Pentol Bambang" milik Bapak Bambang Cahyono. Metode simpleks adalah metode yang secara sistematis dimulai dari solusi dasar yang layak ke solusi dasar lain yang layak, yang dilakukan berulang kali (berulang) sehingga tercapai solusi yang optimal. Berdasarkan penelitian menggunakan metode simpleks, perhitungan optimal dari total produksi pentol kuah dan pentol bakar adalah Rp 800.000,00. termasuk latar belakang penelitian, tujuan, metodologi, dan temuan.
MENINGKATKAN KESEJAHTERAAN EKONOMI MASYARAKAT MELALUI UPAYA DAKWAH NABI Abbad Nailun Nabhan
SHACRAL: Shari'ah Economics Review Journal Vol. 1 No. 1 (2024): Februari
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v1i1.13

Abstract

Selama perjalanan Nabi SAW dalam menyampaikan tugas ketuhanannya sebagai pembawa pesan-pesan suci, dakwah Nabi telah menjadi wahana utama untuk menyampaikan pesan-pesan ilahi kepada umatnya. Salah satu tema dalam khotbah Nabi melibatkan ekonomi; Penelitian ini bertujuan untuk menjelaskan dan mendeskripsikan aspek-aspek pemberdayaan ekonomi yang terkandung dalam dakwah Nabi, dengan menggunakan pendekatan studi pustaka. Hasil penelitian menunjukkan bahwa pesan-pesan ekonomi dalam dakwah Nabi. Upaya ini juga bertujuan untuk mendorong terciptanya kemandirian ekonomi, kesejahteraan masyarakat dan kebahagiaan umum di masyarakat, termasuk dalam perspektif kiamat. Dengan demikian, pemberdayaan ekonomi yang ditekankan Nabi dalam ajaran Islam tidak hanya relevan di dunia saat ini (duniawi) tetapi juga memiliki dimensi masa depan (ukhrawi). Berbagai aspek pemberdayaan ekonomi dalam dakwah Nabi meliputi Ekonomi-Aqidah (Keyakinan Ekonomi Ilahi dan Rabbani), Hukum Ekonomi (membedakan antara halal, haram dan syubhat), dan Ekonomi-Akhlak (etika dalam bisnis, produksi, konsumsi dan pemasaran).
PEMBERIAN SECARA BERKESINAMBUNGAN DALAM ISLAM DAN KERANGKA HUKUM SETEMPAT MENGENAI KONSEP SEDEKAH YANG BERKELANJUTAN Aqlan Harith Ridauddin
SHACRAL: Shari'ah Economics Review Journal Vol. 1 No. 1 (2024): Februari
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v1i1.14

Abstract

Fenomena gerakan sedekah saat ini menunjukkan bahwa masyarakat Indonesia memiliki tingkat kepedulian yang tinggi terhadap sesama. Gerakan ini juga membantu pemerintah mengurangi tingkat kemiskinan. Namun, sedekah yang diberikan harus memiliki dampak jangka panjang bagi penerima, bukan hanya untuk keuntungan sementara. Penting untuk memastikan bahwa sedekah memiliki kekuatan untuk memberdayakan penerima. Agar sedekah dapat berjalan efektif dan mampu mengatasi kemiskinan, diperlukan solusi atau inovasi, salah satunya melalui pembentukan lembaga Sedekah Bergulir. Konsep sedekah bergulir melibatkan pemberian sedekah kepada pihak-pihak yang berhak menerimanya, terutama masyarakat ekonomi produktif seperti pengusaha mikro informal non-bankable atau calon ekonomi produktif. Sedekah yang diberikan dalam bentuk "pinjaman" akan dikembalikan kepada masyarakat produktif ekonomi yang kurang beruntung atau kepada masyarakat produktif ekonomi lain yang kurang beruntung. Dalam pelaksanaannya, penyaluran zakat tidak merugikan baik pemberi maupun penerima, dan tidak ada dalil khusus yang menganutnya, sehingga dari perspektif Islam, penyaluran zakat dianggap diperbolehkan. Pelaksanaan zakat bergulir di Indonesia dijamin oleh Undang-Undang tentang Yayasan dan peraturan terkait pengelolaan zakat. Kata kunci: Zakat Bergulir, Kemiskinan, Pemberdayaan, Islam, Perundang-undangan.
Islamic Economics in The Dynamics of Digital Transformation and Financial Inclusion: A Narrative Literature Reviewrticle Title Review Lia Anggita Putri
SHACRAL: Shari'ah Economics Review Journal Vol. 1 No. 2 (2024): Juni
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v1i2.53

Abstract

Islamic economics has experienced significant growth over the past two decades, particularly in Muslim-majority countries such as Indonesia. This development is reflected in the expansion of Islamic banking, the strengthening of Islamic social finance instruments such as zakat and waqf, and the emergence of digital-based innovations including Islamic fintech and digital Islamic banking services. Despite this progress, numerous studies indicate that the contribution of Islamic economics to national economic development remains constrained by structural challenges, including low levels of Islamic financial literacy, limited Islamic financial inclusion, and a persistent gap between the normative ideals of Sharia principles and their practical implementation. This article aims to analyze the development, challenges, and opportunities of Islamic economics in the contemporary context by employing a qualitative approach using a narrative literature review method. Data were obtained from national and international peer-reviewed journal articles, academic books, and official reports issued by institutions such as Statistics Indonesia (BPS), the Financial Services Authority (OJK), and Bank Indonesia. The analysis applies thematic content analysis to identify dominant themes and patterns within the literature. The findings indicate that digital transformation holds substantial potential to enhance Islamic financial inclusion and improve the efficiency of Islamic financial and social finance institutions. However, the effectiveness of digitalization is highly dependent on strengthening Islamic financial literacy, improving governance and regulatory frameworks, and ensuring consistent implementation of maqashid al-sharia principles. This article contributes conceptually by providing a comprehensive thematic mapping of Islamic economics literature and offers practical insights for policymakers and stakeholders involved in the development of Islamic economic ecosystems in Indonesia
Digital Transformation And Financial Inclusion In Islamic Economics: Ethical Challenges And Policy Implication Ryandra Adiatma Hartono
SHACRAL: Shari'ah Economics Review Journal Vol. 1 No. 2 (2024): Juni
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v1i2.55

Abstract

The rapid advancement of digital technology has fundamentally reshaped financial systems worldwide, offering new pathways to enhance financial inclusion. Within this context, Islamic economics presents a distinctive framework that integrates ethical principles, risk-sharing mechanisms, and social justice objectives. This article examines the role of Islamic economics in the dynamics of digital transformation and financial inclusion through a qualitative literature-based approach. Drawing upon peer-reviewed international and national academic publications, as well as institutional reports from the World Bank, Bank Indonesia, the Financial Services Authority (OJK), and Statistics Indonesia (BPS), this study synthesizes conceptual, empirical, and policy-oriented insights. The findings indicate that digital financial services such as Islamic fintech, digital Islamic banking, peer-to-peer lending, and crowdfunding for zakat and waqf have significant potential to expand access to Sharia-compliant financial services, particularly among underserved populations. However, the practical realization of this potential remains constrained by several structural challenges, including low Islamic financial literacy, limited public trust, regulatory fragmentation, and unequal digital infrastructure. National evidence from the 2024 National Survey of Financial Literacy and Inclusion (SNLIK) reveals that Islamic financial literacy stands at 39.11%, while Islamic financial inclusion is only 12.88%, highlighting a substantial gap between awareness and actual utilization. This article argues that digital transformation in Islamic finance must be aligned with the objectives of maqasid al-shariah to ensure that technological efficiency does not compromise ethical and social goals. Policy recommendations include strengthening digital Islamic financial literacy programs, enhancing regulatory harmonization for Islamic fintech, promoting collaboration between Islamic banks and fintech firms, and developing inclusive digital payment infrastructures. By integrating technological innovation with Islamic economic principles, Islamic finance can play a strategic role in fostering equitable and sustainable financial inclusion. This study contributes to the growing discourse on digital Islamic economics and provides a conceptual foundation for future empirical research.
PRODUCTIVE WAQF MANAGEMENT: CHALLENGES AND OPPORTUNITIES IN ISLAMIC ECONOMIC DEVELOPMENT-A SYSTEMATIC LITERATURE REVIEW Hesty Gabryella Sirait
SHACRAL: Shari'ah Economics Review Journal Vol. 1 No. 3 (2024): Oktober
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v1i3.56

Abstract

Productive waqf has increasingly attracted scholarly and policy attention as a strategic instrument within the Islamic economic system to support sustainable socio-economic development. Unlike traditional waqf practices that primarily focus on religious and social infrastructure, productive waqf emphasizes the optimal utilization of endowed assets to generate continuous economic returns for public welfare. Despite its substantial potential, the implementation of productive waqf remains suboptimal in many Muslim-majority countries, including Indonesia. This study aims to systematically review the existing literature to identify key challenges and opportunities in productive waqf management within the framework of Islamic economics. Employing a qualitative systematic literature review approach, this article synthesizes findings from peer-reviewed journal articles, institutional reports, and policy documents published over the last decade. The review reveals that major challenges include limited managerial capacity of waqf managers (nazhir), weak governance and accountability mechanisms, low public literacy regarding productive waqf, regulatory constraints, and insufficient integration with modern financial systems. Empirical evidence from national institutions indicates a significant gap between the estimated potential of waqf assets and their actual productive utilization. Conversely, the literature highlights several promising opportunities, such as digitalization of waqf collection, collaboration with Islamic financial institutions, professionalization of waqf management, and alignment with Sustainable Development Goals (SDGs). These opportunities position productive waqf as a viable instrument for inclusive economic development, poverty alleviation, and social entrepreneurship. This study contributes to the Islamic economics literature by offering a comprehensive conceptual synthesis of productive waqf management and proposing directions for policy reform and future research to enhance its socio-economic impact.
INTEGRATION OF ESG PRINCIPLES AND ISLAMIC FINANCE: A SYSTEMATIC LITERATURE REVIEW FROM AN ISLAMIC ECONOMIC PERSPECTIVE Firyal Mandasari
SHACRAL: Shari'ah Economics Review Journal Vol. 1 No. 3 (2024): Oktober
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v1i3.57

Abstract

The growing global emphasis on Environmental, Social, and Governance (ESG) principles has significantly reshaped the landscape of sustainable finance. Parallel to this development, Islamic finance has long promoted ethical, socially responsible, and sustainability-oriented financial practices rooted in Sharia principles. Despite the conceptual convergence between ESG and Islamic finance, the extent and nature of their integration remain fragmented within academic and policy-oriented discussions, particularly in emerging Islamic economies. This study aims to systematically review existing literature on the integration of ESG principles and Islamic finance from an Islamic economic perspective. This article adopts a qualitative research design using a systematic literature review approach. Secondary data were collected from peer-reviewed international and national journals, institutional reports, and policy documents related to ESG, Islamic finance, and sustainable development. The literature was selected using predefined inclusion criteria and analyzed through thematic analysis to identify dominant themes, conceptual linkages, implementation challenges, and future research directions. The findings indicate a strong normative alignment between ESG principles and Islamic finance, particularly in areas such as environmental stewardship (khalifah), social justice (adl), and ethical governance (amanah). However, the review also reveals practical gaps in operationalization, measurement standards, and regulatory harmonization, especially in developing countries like Indonesia. Institutional readiness, ESG disclosure practices, and limited integration frameworks remain key challenges. This study contributes to the Islamic economics literature by synthesizing fragmented insights into a comprehensive conceptual framework linking ESG and Islamic finance. Practically, the findings offer implications for policymakers, Islamic financial institutions, and regulators seeking to strengthen sustainable finance initiatives. The article concludes by proposing strategic directions to enhance the integration of ESG principles within the Islamic finance ecosystem.
DIGITAL ZAKAT IN THE ERA OF ISLAMIC SOCIAL FINANCE: A SYSTEMATIC REVIEW OF ECONOMIC IMPACT AND INSTITUTIONAL TRANSFORMATION Axel Puri Hatomono
SHACRAL: Shari'ah Economics Review Journal Vol. 1 No. 3 (2024): Oktober
Publisher : PT. Samudra Solusi Profesional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62952/shacral.v1i3.59

Abstract

The rapid advancement of digital technology has significantly transformed the landscape of Islamic social finance, particularly in the management of zakat. Digital zakat platforms such as mobile applications, online payment systems, QR-based transactions, and Islamic fintech services have emerged as innovative mechanisms to enhance the efficiency, transparency, and accessibility of zakat collection and distribution. Despite the growing adoption of digital zakat systems, there remains a limited consolidated understanding of their broader economic implications, especially concerning poverty alleviation, financial inclusion, and socio-economic development. This study aims to systematically review existing scholarly literature on zakat digitalization and its economic impact. Employing a systematic literature review (SLR) approach, this study synthesizes peer-reviewed articles published between 2015 and 2025 sourced from reputable academic databases. The review process follows the PRISMA framework to ensure methodological rigor in article identification, screening, and analysis. The selected studies are examined to identify dominant themes, technological drivers, implementation challenges, and the economic outcomes associated with digital zakat systems. The findings indicate that zakat digitalization contributes positively to operational efficiency by reducing administrative costs, accelerating transaction processes, and improving financial transparency. Digital platforms also enhance donor trust and participation, particularly among younger and technologically literate populations. Furthermore, evidence suggests that digital zakat supports financial inclusion and strengthens the socio-economic empowerment of beneficiaries by facilitating targeted and timely distribution. However, persistent challenges, such as digital literacy gaps, regulatory constraints, cybersecurity risks, and concerns regarding sharia compliance, continue to hinder the full realization of its potential. This review concludes that zakat digitalization represents a strategic opportunity to optimize the economic role of zakat within Islamic economies. Nevertheless, its success depends on integrated policy support, institutional readiness, and continuous innovation. The study provides theoretical contributions to Islamic finance literature and offers practical insights for policymakers, zakat institutions, and fintech developers.

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