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Journal of Shariah Economics
Published by Universitas Al-Hikmah Indonesia
ISSN : 26552493     EISSN : 26552485     DOI : https://doi.org/10.35896/jse.v7i2
Core Subject : Religion, Economy, Education, Social,
Religion Economics, Econometrics & Finance Education Social Sciences Other
JOURNAL OF SHARIA ECONOMICS adalah jurnal ilmiah berkala yang dikelola dan diterbitkan oleh Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Al Hikmah Indonesia serta bekerja sama dengan Asosiasi Ekonom Islam Indonesia Jurnal ini berfokus pada kajian ekonomi dan ekonomi Islam Pengelola menerima kontribusi berupa artikel dari ilmuwan akademisi profesional dan peneliti yang berkaitan dengan studi ekonomi Islam Artikel akan dipublikasikan setelah melalui mekanisme seleksi naskah penelaahan oleh reviewer serta proses penyuntingan Semua artikel yang diterbitkan merupakan pandangan dan tanggung jawab penulis dan tidak mewakili jurnal ini maupun institusi asal penulis Journal of Sharia Economics diterbitkan dua kali dalam setahun yaitu pada bulan Juni dan Desember
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 195 Documents
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The Implementation of Marketing Mix as a Marketing Strategy for Pesantren-Based Educational Services Sri Nurhasana
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.892

Abstract

This study examines the marketing strategies applied in marketing educational services at Islamic boarding school-based educational institutions. This study is motivated by efforts to develop the quality of Islamic boarding school-based educational institutions, so that they are able to compete with other institutions. Marketing of educational services is intended to create conducive and stable marketing conditions, so as to provide a positive impact on the parties involved in the marketing process (both Islamic boarding schools as producers and the community as consumers). Based on the results of research conducted at the Zainul Hasan Genggong Model Islamic High School, it was found that Islamic boarding school-based educational institutions also apply various strategies in marketing their educational services. The marketing strategy at the Zainul Hasan Genggong Model Islamic High School is carried out through the application of 7P marketing mix theory (product, price, place, promotion, human resources, physical evidence, and process) by utilizing its superior competencies as an Islamic boarding school-based educational institution that tends to be based on students and achievements, so that it can target Muslim communities with both traditional and modern backgrounds as a marketing segment for its educational services.
HAJJ FINANCING, DSN MUI, NAHDLATUL ULAMA, PERSIS, ISLAMIC FINANCE PERSPECTIVES Muhammad Muslih; Mohammad Septian
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.894

Abstract

Examines the varied views on talangan haji (hajj financing) in Islamic finance, focusing on the perspectives of key Islamic institutions like the Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI), Nahdlatul Ulama (NU), and Persatuan Islam (PERSIS). The discussion highlights the ethical and religious debates surrounding the use of financial assistance for haji, traditionally a duty only for those who can afford it without hardship. Talangan haji, essentially a benevolent loan, is scrutinized for its adherence to Islamic principles, especially regarding interest (riba) and the affordability of the pilgrimage. DSN-MUI supports talangan haji, arguing it meets Islamic guidelines by aiding Muslims in fulfilling their religious duties without involving riba. Conversely, NU and PERSIS express concerns; NU worries about the potential dependency on financial schemes that might contradict self-sufficiency in pilgrimage, while PERSIS questions the moral implications of incurring debt for religious purposes, which could compromise the required financial independence. This exploration provides a comprehensive understanding of the intersection between modern financial practices and traditional religious obligations, enhancing the ongoing discourse in Islamic jurisprudence about the relevance of ancient religious practices in contemporary settings.
Konsep Manajemen Jasa Perbankan Syariah dari Perspektif Mazhab Hanafi Heri Kuncoro Putro; Nurul Inayah
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.895

Abstract

Islamic Banking Services must be carried out beyond the expectations of the customers served. This is done to increase customer trust in Islamic Banking institutions. Service management aims to improve the quality of service so that customers feel satisfied and have an impact on customer loyalty. The Hanafiyah Mazhab a legal basis for muamalah practices and plays a crucial role in maintaining sustainability and trust in the Islamic banking industry. This article examines the concept and application of Islamic banking service management from the perspective of the Hanafiyah Mazhab. Through a qualitative method approach with descriptive analysis, researchers explore several sources of literature on service management conveyed in the Hanafiyah Mazhab. Data sources from the Al-Quran and Hadith as well as classical books of the Hanafiyah Mazhab. The results of this study state that in the Hanafiyah Mazhab, Islamic banking services must reflect the values ​​of justice, trust and ihsan. Islamic banks need to continue to innovate in presenting services that meet sharia principles by following the development of technological advances in the digital era. The Hanafiyah Mazhab perspective provides a strong legal basis for sharia-based services.
The Contribution of Rupiah and Kina: An Analysis of Dual Currency Impact on Local Economic Growth in the Skouw Sae Border Area Nani Hanifah
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.896

Abstract

This study explores the utilization of dual currencies, the Indonesian Rupiah and Papua New Guinean Kina, in financial transactions within the Skouw Sae border area. Focusing on cross-border market dynamics, the research identifies the significant impact of dual currency usage on local economic growth, price stability, and community welfare. Employing a qualitative descriptive method, data were collected through interviews with business actors and local residents, participatory observations at Skouw Market, and an analysis of documentation related to cross-border transactions. The findings reveal that the dual currency system enhances market liquidity, broadens access to international markets, and fosters an inclusive trade ecosystem. However, fluctuating exchange rates between the Rupiah and Kina pose a major challenge in determining the pricing of goods and services. Nonetheless, the flexibility of using both currencies simplifies transactions, increases the purchasing power of Papua New Guineans, and strengthens the income of local traders. This study provides valuable insights into how dual currencies can be optimized to support sustainable economic growth in border areas. The implications of this research include policy recommendations to strengthen cross-border trade regulations and improve the exchange rate stability of the two currencies.
Neglect of Street Vendors (PKL) Towards the Jayapura City Government Regulations on Public Order During the Covid-19 Pandemic Amirullah Amirullah; Akbar Jaya
JOURNAL OF SHARIA ECONOMICS Vol. 4 No. 2 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.908

Abstract

This study examines the neglect of street vendors (PKL) in adhering to the Jayapura City Government's regulations on public order during the Covid-19 pandemic. The research highlights the challenges faced by the government in enforcing public order rules and the underlying factors contributing to the non-compliance of PKL. Using a qualitative approach, data was gathered through interviews, observations, and documentation involving street vendors, local authorities, and community representatives. The findings reveal that the neglect stems from economic pressures, lack of awareness, and inadequate socialization of the regulations. Many street vendors prioritized their livelihood over compliance with public order measures, exacerbating public health risks during the pandemic. The study also identifies gaps in the government's strategies, including insufficient enforcement and the absence of alternative solutions for the affected vendors. Recommendations are provided to enhance regulatory compliance, including improved communication, provision of economic support, and collaboration with community leaders to ensure public order while safeguarding livelihoods. This research contributes to understanding the dynamics of policy compliance among vulnerable groups during crises and offers insights for policymakers in similar contexts.
The Role of Service Quality, Customer Satisfaction, Islamic Bank Image, and Financial Information in Enhancing Customer Loyalty Shoalihin Shoalihin; Asmawati Asmawati; Samsudin Samsudin
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.927

Abstract

This study examines the critical role of service quality, customer satisfaction, the image of Islamic banks, and financial information in fostering customer loyalty at KCP BTPN Syariah Kota Bima. Employing a quantitative research method, this investigation utilizes a purposive sampling technique to select 89 customers as respondents. The data collected from these customers are analyzed using multiple linear regression with SPSS version 21 to uncover the relationships and impacts of the studied variables. The findings reveal that service quality significantly contributes to customer loyalty, indicating that superior service delivery fosters stronger customer retention. Additionally, customer satisfaction emerges as a pivotal factor, with satisfied customers demonstrating higher loyalty levels due to their positive experiences and trust in the bank's services. The study further highlights the image of Islamic banks as an influential determinant, suggesting that a favorable reputation and alignment with Islamic values enhance customer commitment. Moreover, financial information proves essential, as transparency and accessibility of financial details build confidence and long-term engagement among customers. The analysis confirms that these factors collectively and individually play a significant role in boosting customer loyalty. These findings underscore the importance of maintaining high service standards, ensuring customer satisfaction, upholding a strong bank image, and delivering clear financial information to sustain customer relationships and loyalty. Ultimately, this research provides valuable insights for Islamic banks aiming to strengthen their customer base and competitive advantage in the financial sector.
Pengaruh Literasi Keuangan Syariah Terhadap Keputusan Pembiayaan UMKM Di Labuhanbatu Melalui Akad Syariah Erni Wahyuni; Tetty Rahmiati Harahap; Mhd. Amin
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.931

Abstract

Abstract This study aims to analyze the impact of Islamic financial literacy on financing decisions of micro, small, and medium enterprises (MSMEs) in Labuhanbatu Regency through the understanding of Sharia contracts. A quantitative approach using a survey method was employed to collect data from 112 MSME actors selected through purposive sampling. The research instrument was validated using validity and reliability tests, and data analysis was conducted through multiple linear regression. The results indicate that Islamic financial literacy significantly and positively influences MSME financing decisions, both directly and through the understanding of Sharia contracts. These findings highlight the importance of Islamic financial literacy in enhancing access to and adoption of Sharia-based financing. This study also provides recommendations for local governments and Islamic financial institutions to improve Islamic financial literacy through training and socialization programs to support MSME development and strengthen the Sharia economic ecosystem in Indonesia.
Analisis Tingkat Kepuasan Konsumen Terhadap Kualitas Produk Dan Kualitas Pelayanan Mie Gacoan Di Kota Jambi Ary Dean Amry; Rahmad Irawan; Aldi Fitriyanto; Dharil Ihsan Alvarabi; Willy Yuda Al Faroq; Iqbal Alfansyuri
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.941

Abstract

The purpose of this research is to determine the influence of product quality and service quality on the level of consumer satisfaction of Mie Gacoan in Jambi City. This research method uses quantitative research methods. The population in this study was 50 consumers. Multiple regression is used for hypothesis testing. The research results show that there is a significant influence between service quality and consumer satisfaction. However, product quality has not been able to prove a relationship to customer satisfaction. Implications and suggestions are explained in the article.
Pengaruh Literasi Keuangan Syariah Terhadap Keputusan Memilih Bank Syariah Ahmad Danil Azri; Siti Nurhaliza; Vina Suci Salsabila
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.942

Abstract

Literacy is an effort made to prevent various obstacles that arise in society in accessing financial services. The level of public financial literacy has a significant impact on the success of financial inclusion efforts. Financial literacy refers to people's ability or understanding of how money works. Currently, financial literacy with sharia principles has arrived and will become a fundamental foundation for Muslims. Every Muslim individual must have knowledge of sharia finance in choosing financial services that are based on sharia principles. This research aims to determine the level of Islamic financial literacy regarding the decision to choose a Sharia Bank and determine the level of understanding and awareness of Islamic finance.
Implementasi Asuransi Syariah Bagi Nelayan (Studi Kasus Desa Penebal Kecamatan Bengkalis) Laila Ramadhona; Nirwana Nirwana; Muhamad Aji Purwanto
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.943

Abstract

Implementation of Sharia Insurance for Fishermen (Case Example: Fishermen in Penebal Village, Bengkalis, Riau). The purpose of this study is to assess the application of Sharia Insurance for Fishermen in Penebal Village, and to recognize the factors that facilitate or impede its effectiveness. Researchers employed qualitative descriptive methods to conduct field research. The techniques for gathering data included conducting interviews and collecting documents. The research employs an interactive approach developed by Miles and Huberman for data analysis. This approach includes data reduction, data presentation, and data conclusion stages. Problems in the implementation were caused by, among others, the lack of clarity of information, the lack of completeness of information, and the lack of thinking ability possessed by fishermen. This has hindered the integration of the program. George Edwards stated that there are four indications that indicate the execution. This has hindered the interaction of the program. According to George Edwards, there are four indications that indicate the execution. One of these factors is communication. The Bank Syariah Indonesia (BSI) branch in Bengkalis conducted an event to launch a new program for fishermen. There is a shortage of human resources, particularly staff, which is causing delays in the data collection and verification process for the fishermen. However, the implementers have shown a positive attitude towards the policy of providing protection guarantee for the risk of work accidents for fishermen, in accordance with the KKP technical guidelines' Standard Operating Procedures (SOP). Challenges in implementing the protection program for fishermen include a lack of engagement from fishermen in realizing the significance of safeguarding against the potential for accidents, as well as a deficit in personnel carrying out the policy for preventing occupational accidents among fishermen.

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