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Journal of Islamic Economic Development
Published by Sekolah Tinggi Agama Islam Kuningan
ISSN : 30471818     EISSN : 30629136     DOI : https://doi.org/10.59261
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Islamic Economic Development (abbreviated as J.Isl.Eco.Dev) is a premier double-blind peer-reviewed journal dedicated to fostering multidisciplinary research in the field of Islamic economics and its applications in contemporary society. With a focus on promoting sustainable economic growth within the framework of Islamic principles, this journal serves as a platform for scholarly discourse on topics pertinent to Islamic economics, including Islamic business, development economics, and related fields.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 16 Documents
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The Role Of Kempek Micro Waqf Bank In Empowering Pesantren-Based Micro Businesses Barnamij, Najhah; Fatahillah, Mubarok; Nurhendi, Sigit; Akhmad, Sirojudin; Siroj, Ni’amillah Aqiel
Journal of Islamic Economic Development Vol. 2 No. 1 (2024): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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Abstract

Bank Wakaf Mikro (BWM), established by OJK and the government, is a strategic step in empowering the economy of communities around Islamic boarding schools. With a group model, simple procedures, and ongoing assistance, BWM plays a role in reducing poverty, providing access to capital without collateral, and countering loan sharking practices. This research, which uses an exploratory qualitative approach, examines community economic empowerment through the implementation of BWM KHAS Kempek. The results show that the BWM CSR grant management mechanism involves: (a) sources of funds from individual and corporate donors, (b) a loan distribution system with intensive mentoring, and (c) locking some of the grant funds in the form of deposits for sustainability. The Akad used includes a grant contract, al-qardh contract, and ju'âlah contract. Pesantren-based micro business empowerment is realized through increasing the number of customers, optimizing business potential, and financial and spiritual assistance through the Weekly Halaqoh (HALMI). This finding confirms the role of pesantren as economic and social drivers of the community. Practically, this research provides insights for policy makers, Islamic financial institutions, and pesantren managers in developing a sustainable and community-based microfinance model. With this approach, it is expected that BWM can further improve the welfare of the community around the pesantren and become an effective model of financial inclusion.
Marketing Strategies, Islamic Teachings, And Insurance Needs On Interest In Becoming Islamic Insurance Customers At Bank Muamalat Cirebon Hendrawan, Yadi; Zubair, Shobihah Maemun; Dahlan, Ahmad Zaeni; Ulfain; Arwani, Muhammad
Journal of Islamic Economic Development Vol. 2 No. 1 (2024): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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Abstract

This research is based on the idea that interest in becoming an Islamic insurance customer is influenced by marketing strategies, Islamic religious teachings, and the need for insurance. These variables are analyzed using the Ordinary Least Squares (OLS) method, with interest as the dependent variable and the other three variables as independent variables. The results showed that marketing strategies, Islamic religious teachings, and insurance needs partially had a positive and significant effect on interest in becoming Islamic insurance customers at Bank Syariah Cirebon City, with insurance needs as the most dominant variable. The implications of these findings suggest that Islamic financial institutions need to further customize marketing strategies and religious education approaches to increase the attractiveness of Islamic insurance for the community.
Analysis Of Customer Decisions In Choosing BSI Easy Wadiah And BSI Easy Mudharabah Savings Products Wati; Rossa, Okta Mellya; Surbakti, Andika Hariyanto
Journal of Islamic Economic Development Vol. 2 No. 1 (2024): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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Abstract

In choosing a savings product, customers make decisions based on their individual needs and preferences, considering the advantages and disadvantages of each product. Bank Syariah Indonesia offers two savings products that customers can choose from: Easy Wadiah Savings and Easy Mudharabah Savings. Despite the presence of numerous conventional banks in the area, the local community continues to trust and prefer savings products from Bank Syariah Indonesia due to the convenience offered and their perception of Islamic banks as interest-free financial institutions, which strengthens their confidence in saving money with Bank Syariah Indonesia. The purpose of this study is to analyze customer decisions in selecting BSI Easy Wadiah and BSI Easy Mudharabah savings products at Bank Syariah Indonesia KCP Cirebon Arjawinangun. The research uses a descriptive method with a qualitative approach. Data collection techniques include observation, interviews, and documentation. The findings reveal that the decision-making process follows five stages, where customers select the savings product that best suits their needs and preferences. Customers who choose the Easy Wadiah Savings product are primarily motivated by the absence of administrative fees, while those who opt for the Easy Mudharabah Savings product are attracted by the profit-sharing system. Both choices are driven by the desire for a sharia-compliant savings product, as both offerings are in line with Islamic banking principles. Initial information about the Easy Wadiah and Mudharabah savings products is often obtained from friends or relatives, followed by detailed explanations provided by customer service representatives. Respondents stated that both savings products meet their expectations and align with their financial needs.
Sharia Economy As The Foundation Of The People's Economy To Achieve A Prosperous Indonesia Muarifin; Yahya, Mohammad Hisyam; Walid, Ahmad
Journal of Islamic Economic Development Vol. 2 No. 1 (2024): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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Abstract

This study examines the role of Islamic economics as the foundation for a people-centered economy in promoting sustainable economic growth and realizing the vision of a prosperous Indonesia. The objective is to analyze how Islamic economic principles grounded in justice, sustainability, and social responsibility can contribute to equitable distribution, community empowerment, and the elimination of harmful economic practices. The research employs a qualitative descriptive method, using literature review and analysis of secondary data from relevant sources on Islamic economic practices and their impacts. The findings reveal that the implementation of Islamic economic instruments such as zakat (almsgiving), waqf (endowments), and Islamic financing plays a significant role in supporting micro, small, and medium enterprises (MSMEs), reducing socio-economic disparities, and strengthening the real sector. These mechanisms contribute to building a more inclusive, stable, and welfare-oriented economic system. In conclusion, Islamic economics holds substantial potential as a foundation for a people-centered economy, offering practical solutions to achieve sustainable development and economic prosperity in Indonesia. This study contributes to the discourse by demonstrating the practical relevance of Islamic economics in addressing contemporary economic challenges and fostering inclusive growth.
The Role Of Sharia Economic Ethics In Sustainable Production Wati; Sofy, Malik; Mubarok, Ahta Abdul Mursyid Husni
Journal of Islamic Economic Development Vol. 2 No. 1 (2024): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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Abstract

This study aims to analyze the role of Islamic economic ethics in guiding production practices that align with Islamic values, focusing on key principles such as justice, honesty, responsibility, and sustainability. Employing a qualitative approach with a literature study method and normative analysis of primary sources including the Qur'an, Hadith, and scholarly perspectives, this research examines the ethical foundations that govern production activities in Islamic economics. The findings indicate that the application of Islamic ethics encourages morally responsible business behavior, ensuring a balance between material objectives and spiritual values. Furthermore, integrating these ethical principles into production practices promotes fairness, transparency, and accountability, while supporting environmental and social sustainability. The study concludes that Islamic economic ethics play a vital role in fostering equitable and sustainable economic growth, contributing to societal welfare and long-term economic stability. This research offers valuable insights for policymakers, business practitioners, and academics by highlighting the significance of Islamic ethics as a comprehensive framework for ethical production that balances profit-making with social and environmental responsibility.
ANALYSIS OF FACTORS CAUSING THE EXISTENCE OF ILLEGAL PARKING ATTENDANTS AND PAK OGAH IN THE PERSPECTIVE OF SHARIA ECONOMICS IN MAJALENGKA DISTRICT Bahari, Fauzi Rizky; Sutono; Rohmah, Nur; Awaliyah, Rika
Journal of Islamic Economic Development Vol. 2 No. 2 (2025): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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Abstract

The phenomenon of illegal parking attendants and pak ogah in the public spaces of Majalengka Regency reflects complex economic and social problems. This study aims to analyze the factors that cause the rampant practice and examine its suitability with the principles of Islamic economics. The research used descriptive qualitative methods with data collection techniques through in-depth interviews, participatory observation, and documentation studies. The results show that economic (unemployment and poverty), social (low education and permissive culture), and structural (weak regulations and lack of law enforcement) factors are the main causes. From an Islamic economic perspective, this practice contradicts the principles of justice, benefit and transparency of the contract. This study recommends solutions based on community empowerment through mosques and ZISWAF funds, strengthening integrated regulations, and sustainable Islamic economic education.

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