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Ahmad Suminto
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ahmadsuminto@unida.gontor.ac.id
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Department of Islamic Economics University of Darussalam Gontor, Jl. Raya Siman, Demangan - Siman - Ponorogo, Jawa Timur, 63471
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Kab. ponorogo,
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INDONESIA
Islamic Economics Journal
Published by Universitas Darussalam Gontor
ISSN : 24601896     EISSN : 25415573     DOI : -
Core Subject : Economy, Humanities, Science, Social,
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences
Islamic Economics Journal is an international journal providing authoritative sources of scientific information for researchers and scholars in academia, research institutions, government agencies, and industries. Published semi-annually (June and December) by Department of Islamic Economics, Faculty of Economics and Management, University of Darussalam Gontor. Editors accept scientific articles and results of research in accordance with contemporary Islamic economics issues in big five areas namely; Islamic Public Economics, Islamic Monetary Economics, Islamic Business Economics, Islamic International Economics, and Islamic Development Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 42 Documents
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The Opportunities Swallow's Nest Business to Increase Community Income from Islamic Economics Perspective Haris Al Reza; Mochammad Novi Rifa’i; Afifah Nur Millatina; Ascarya
Islamic Economics Journal Vol. 9 No. 02 (2023): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i02.34

Abstract

The swallow's nest business has a vast business opportunity, especially in areas that are crowded with swallows. Swallow's nests are very promising, but some obstacles and challenges must be faced. This study aims to find out how the swallow's nest business opportunity in increasing the income of the community in Kampung Baru village is viewed from the perspective of Islamic economics. This research uses a qualitative approach with the type of case study research. Sources of data in this study using primary data sources. Data collection techniques used are observation, interviews, and documentation. The results of this study indicate that Kampung Baru Village has the potential to conduct swallow's nest business in increasing the income of the community in Kampung Baru Katingan Kuala Village. This is evidenced by the increased income of SBW entrepreneurs, which is higher than the previous income when they had not built a swallow building. The increase in the revenue of the swallow's nest business can be seen from the rise in the swiftlet building owned by the swallow's nest entrepreneur, and the increasing level of education, as well as the increasing level of welfare of the people of Kampung Baru village through alms, infaq or donations. The Islamic economic perspective on the swallow's nest business is that no practices violate the Shari'ah that the swallow's nest entrepreneur has carried out. Efforts made by swallow entrepreneurs to increase people's income are reasonable efforts carried out with good intentions and efforts and are therefore in line with Islamic law.
The Study of Food Loss and Waste According to an Islamic Economic Perspective Amira Sherlyna; Nilam Sari; Rina Desiana
Islamic Economics Journal Vol. 9 No. 02 (2023): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i02.35

Abstract

The occurrence of food loss and waste is closely related to less effective and efficient consumer behavior that causes a lot of food wasted and excessive food waste accumulation. Consumer behavior according to Islam encompasses a series of ethics and principles of consumption: simplicity, balance, hygiene, generosity, and responsibility. The study aims to understand the impact of simplicity, balance, hygiene, generosity, and responsibility on control of food loss and waste. This research uses quantitative methods with nonprobability sampling techniques as a sampler technique. The sample in this study is 100 communities that reside in Banda Aceh City. The data analysis technique in this study is a double linear regression analysis by spreading the questionnaire. The results showed that the variables of simplicity and generosity partially influenced the control of food loss and waste. The variables balance, hygiene and partial responsibility do not affect the control of food loss and waste. Variables of simplicity, balance, hygiene, generosity, and responsibility simultaneously have a positive and significant impact on the control of food loss and waste. In this way, people are expected to change consumer habits that can damage the environment. Governments and related agencies can deal with food loss and waste by educating the public and improving infrastructure to support efficient food production processes as well as developing regulations related to food losses and waste.
Madiun City Government Economic Policy Strategy: Islamic Economics Perspective Mohamad Nur Efendi; Kusnul Ciptanila Yuni K; Nasrulloh; Sumawan
Islamic Economics Journal Vol. 9 No. 02 (2023): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i02.36

Abstract

News of inflation occurring in various parts of the world has spread, even the President of Indonesia Mr. Joko Widodo mentioned in his speech about the shadow of the world in 2023. The city of Madiun is one of the areas in East Java which is responding to the preparation of strategies to deal with the 2023 crisis. Through a qualitative descriptive method, this article aims to analyze the economic policy strategy of the Madiun city government based on an Islamic economic view. The primary data comes from the speech of the mayor of Madiun at the coordination meeting of local government officials. The findings of this study reveal that the Madiun city government implements a food security strategy from Prophet Yusuf AS and is supported by a price intervention strategy from Ibnu Taimiyah's perspective. The Madiun city government used this strategy to deal with inflation and predictions of a food crisis in 2023.
Islamic Banking, Moral Order and a Just Social Order Ahmad Mansur
Islamic Economics Journal Vol. 9 No. 02 (2023): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i02.37

Abstract

Moral order is nothing more than natural order in which all living beings are bound to each other. All-natural beings or (nature) other than human beings have no choice and are not free to choose and to do whatever they want to, but to obey the law of their beings, their natural beings and natural law, they cannot do otherwise. They have to submit their beings (to act in accordance to their natural instincts) to the natural law or to divine pattern and divine will. God is not responsible for human acts, as human beings are endowed by free will, intellectual reasoning and are capable not only of recognizing good and evil acts, but also of legislating good laws to regulate their lives in accordance to natural law, divine pattern and divine will.This paper will discuss Islamic banking in which its existence cannot be separated from the religion of Islam. It has to act and to submit to the natural law or to divine pattern and divine will. Its operation and practice should meet the legality of Islamic law, even it must go beyond that by putting more emphasis on morality and virtue ethics. It should not merely be driven by instrumental reason (rationality), or determined by criteria of calculating the most economical application means such as of maximum efficiency, cost-benefit analysis, and maximum profit as its measure of success. Islamic banking has to think that its existence is part of larger order that is a cosmic order, a great chain of beings, in which the act of one being definitely affects other beings. So, there is no other way for Islamic banking, but to be ethical banking to submit itself to moral order and natural order to help support the realization of a just social order. A just social order means moral order in which without it, it leads to chaos, as the survival of society or nation is really dependant on morality and virtue ethics.
Relevance of Zakat and Waqf Models to Achieve Sustainable Development Goals of Water and Sanitation in North Eastern Nigeria Adamu Abubakar Muhammad; Adam Muhammad Ardo; Hamza Abubakar Hussaini; Jamila Ahmad Aminu
Islamic Economics Journal Vol. 9 No. 02 (2023): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i02.38

Abstract

The study's main goal was to evaluate the effectiveness of Zakat and Waqf funds in ensuring the access to clean water and adequate sanitation, as well as reducing the use of open defecation in north eastern, Nigeria, by hastening the adoption of Islamic teachings on sanitation and charitable programs. The study used a qualitative research approach that included review of literature, content analysis, interview with experts and organizations that were relevant. The study’s findings revealed that in the total number of respondents, 40% are unaware or never used with modern toilet facilities, about 75% households have no any kind of modern toilets, uses traditional and uncovered toilets, 60% are in need of it but poverty, literacy and environment denied them to have it, while 20% promised to find its alternative for their safety within the year 2023. The beneficiary communities who received internal and external support programs through Zakat and Waqf funds and other charitable means led to more improvement in planning, coordinating, collecting, financing, monitoring, and supervising various projects of access to clean water and sanitation in the study area.
Islamic Philanthropy Employee Work Values (Case Study Lasizmu Branch Office) Moh. Alfiyan Lu’lu Firdaus
Islamic Economics Journal Vol. 9 No. 02 (2023): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i02.39

Abstract

This study uses a qualitative method to analyse the work values of the Lazismu Service Office employees (Lembaga Amil Zakat Infak Sadaqoh Muhammadiyah) located in Adiwerna District. The results of the interview show that the spiritual motivation aspect of work has the most influence on the work value of employees. It can be seen that there is a spiritual side that employees feel and experience while working. This has an impact on employee attitudes and behaviour.
Digital Transformation in the Economic Growth of Indonesian Sharia Bank Services Erna May Wulandari; Maya Indriastuti
Islamic Economics Journal Vol. 9 No. 02 (2023): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i02.40

Abstract

This study aims to analyze economic growth and digital banking transformation as seen from the Indonesian Islamic banking industry. The development of Islamic finance provides a new perspective on the study of the relationship between economic growth and the transformation of the digital banking industry. Digital banking transformation is an important issue in today's banking industry. The disruption of the digital era has changed the way a person conducts transactions in business. The dynamics of understanding the use of technology in financial literacy is still low so that it can encourage economic growth and improve people's welfare. In addition, there are very few studies on the growth finance nexus that can be viewed from an Islamic finance perspective, especially in Indonesia. The method in this study uses a literature study that is used in writing this article in the form of an assessment of research journals, dissertations, studies, and relevant mass media. This study uses qualitative data and secondary data sources. The implications of this research only focus on Islamic banking, making digital transformation a priority strategy in efforts to increase economic growth in Indonesia. So, this research contributes to the discussion of economic growth that can be influenced by digital transformation in the use of digital services in Islamic banks in Indonesian.
Asset Management in Islamic Inheritance: A Solution for Economic Empowerment Obstacles Indah Puspitasari; Amin Wahyudi
Islamic Economics Journal Vol. 10 No. 01 (2024): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i01.41

Abstract

If inheritance assets are transferred, the economic well-being of heirs should increase. However, conflicts among heirs often prevent this, resulting in unproductive or disputed assets with unclear ownership. These disputes significantly hinder the economic progress of the heirs. This article attempts to propose a solution to the problem. According to Islamic inheritance principle, before distribution, there are three obligations must be fulfilled: handling the body’s costs, repaying the deceased’s debts, and executing their will within limits. Afterward, remaining assets can be distributed among entitled heirs according to Islamic inheritance laws. The remaining assets, termed inheritance, can enhance heirs economic empowerment when distributed. The asset management approach that focuses on Islamic inheritance is expected to further impetus for the economic strengthening of individual beneficiaries specifically, as well as benefit the Muslim community and the general public in the country, such as alleviating conflicts and cultivating heightened economic activity. This qualitative study utilizes a library research approach with phenomenological lens. Based on the literature review conducted, asset management based on the principles of Islamic heritage with the aim of increasing economic empowerment is: providing education to families about Islamic inheritance; accurately record ownership of property, debts, and receivables; the written documents as proof of ownership of asset, and the determination of inheritance rights and their division should be held; utilizing inheritance assets productively to establish sustainable individual or family finances.
Factors Influencing Shopee Users’ Purchase Decisions: An Islamic Economics Perspective Rachmania Nurul Fitri Amijaya
Islamic Economics Journal Vol. 10 No. 01 (2024): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i01.42

Abstract

The purpose of this study is to investigate the impact of product reviews and trust on Shopee purchasing behavior from the perspective of Islamic Economics. Data was gathered via surveys and analyzed using data analysis procedures such as the validity test, reliability test, classical assumption test, multiple linear regression analysis, t-test, F test, and coefficient of determination. This study makes use of product review factors, trust variables, and purchasing decision variables. The result indicates product review and trust are significant positives to purchasing decisions. The study emphasizes the importance of product evaluations and trust in influencing shopping decisions on Shopee within the context of Islamic Economics. Recognizing the interaction of these elements may help firms, platform operators, and legislators make strategic decisions about how to create a climate conducive to internet trade while adhering to ethical and Islamic standards. 
Farmer Satisfaction with Financing Services at Sharia Microfinance Institutions Agribusiness (Sharia MFI-A) Widya Fitriana
Islamic Economics Journal Vol. 10 No. 01 (2024): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i01.43

Abstract

The total share of financing for the agricultural sector from financial institutions in Indonesia is still relatively low. It is because the agriculture sector is considered high-risk and not bankable. Even though the demand for financing from the agricultural sector is very high. Sharia MFI-A is a financing institution friendly to farmers because it has Sharia principles and shares risks. The loyalty of its customers determines the sustainability of this business. Service quality and customer expectation are affect customer satisfaction. This study aims to analyze service attributes considered necessary by customers and customer satisfaction to financing services at Sharia MFI-A. This research was conducted in West Sumatra, a province famous for its local principles of “Adat basandi sayarak, syarak basandi kitabullah”. The research was conducted on Sharia MFI-A namely in Agam Regency. The respondents were farmers who received financing in 2022. Five variables were observed: tangible, reliability, responsiveness, assurance, and empathy and measured using the Likert scale. Data analysis used Importance Performance Analysis (IPA) and Customer Satisfaction Index (CSI). The results showed that CSI’s score on Sharia MFI-A services is 88.28%, including the range of very satisfied criteria. Customers expressed very satisfaction with the performance of Sharia MFI-A services because the office is clean and comfortable, fast and friendly service, guaranteed customer confidentiality, and proft sharing transparency. T his is by the principles of sharia services, namely fairness, and honesty in transactions (‘adl wa tawazun), maslahah, and does not contain gharar and riba. Customer satisfaction with the services will affect farmers’ loyalty to utilizing financing services from Sharia MFI-A in the future.

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