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Shelvyna Rikantasari
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economicsshariah@gmail.com
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INDONESIA
Journal of Shariah Economics
ISSN : 26552493     EISSN : 26552485     DOI : https://doi.org/10.35896/jse.v7i2
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
Articles 208 Documents
Pengaruh Faktor Persepsi dan Sikap Terhadap Minat Masyarakat Sungai Binjai Menjadi Peserta BPJS-K Mandiri Dalam Perspektif Ekonomi Syariah Rona Afriliani; Hendri Firmansyah; Isamuddin .; Yasirul Amri; M. Yunus
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 2 (2025): 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.v4i1.1338

Abstract

Interest refers to an internal drive within an individual that arises from a desire to choose a product, based on personal experience, a tendency to consume, or the intention to own the product. This interest does not emerge suddenly but is influenced by various factors, including perception and attitude, which play a crucial role in shaping a person's attraction toward a product. This study aims to examine the extent to which perception and attitude influence the interest of the community in Sungai Binjai to become independent BPJS (National Health Insurance) participants. The research employs a quantitative approach, with data analysis including validity and reliability tests, as well as hypothesis testing using t-test, F-test, and coefficient of determination (R²). The data analysis technique used is multiple linear regression. The results indicate that, based on the t-test, the perception variable (X1) does not have a significant effect on the community's interest in becoming independent BPJS participants. In contrast, the attitude variable (X2) shows a significant effect. The F-test result reveals a significance value of 0.008, which is lower than the 0.05 threshold, indicating that both perception and attitude simultaneously influence interest. However, the contribution of these two variables to interest is only 8.20%, while the remaining 91.80% is influenced by other factors not examined in this study.
Peran Polri Dalam Penanggulangan Tindak Pidana Pencurian Kendaraan Bermotor Oleh Anak Di Daerah Bangkalan Khoirul Abror; M. Syahrul Borman; Wahyu Prawesti; Dudik Djaja Sidarta
JOURNAL OF SHARIA ECONOMICS Vol. 4 No. 1 (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.v4i1.1340

Abstract

Motor vehicle theft by children is a criminal phenomenon that causes social unrest and raises legal issues related to child protection. This study aims to analyze the factors causing children to commit motor vehicle theft in the Bangkalan area and examine the role of the Indonesian National Police in combating this crime. This study uses an empirical legal approach with qualitative methods through interviews, observations, and document studies. The results show that economic factors, family disorganization, social environmental influences, low legal education, and weak supervision are the main determinants of child involvement in criminal acts. In the context of countermeasures, the Indonesian National Police implements preventive, repressive, and restorative justice strategies in accordance with Law Number 11 of 2012 concerning the Juvenile Criminal Justice System. Rehabilitative and diversion approaches are the main instruments in maintaining a balance between law enforcement and the protection of children's rights.
Tinjauan Yuridis Terhadap Tindak Pidana Penyalahgunaan Narkotika Golongan I Bagi Diri Sendiri (Studi Kasus Putusan Nomor 412/Pid.Sus/2024/PN.Mjk) Anggita Permadi; Sri Astutik; Noenik Soekorini; Vieta Imelda Cornelis
JOURNAL OF SHARIA ECONOMICS Vol. 4 No. 1 (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: 10.35896/707cfq72

Abstract

Drug abuse is a serious legal and social problem in Indonesia. The distribution and consumption of narcotics not only impact public health but also have complex legal implications in the criminal justice system. This study aims to analyze the application of substantive criminal law to the crime of drug abuse class I for oneself and examine the judge's considerations in handing down a verdict in case Number 412/Pid.Sus/2024/PN.Mjk. The research method used is normative legal research with a statutory approach and a case approach. The data used consists of primary data in the form of court decisions and secondary data in the form of laws and regulations, legal literature, and scientific journals. The results of the study indicate that the application of criminal law to drug abuse for oneself still generates debate between a repressive approach through punishment and a rehabilitative approach. In the decisions analyzed, the judges considered juridical, sociological, and philosophical aspects in handing down a verdict against the defendant. This study concludes that the criminal justice system should prioritize a rehabilitation approach for drug abusers who are proven to be victims of dependence in accordance with the provisions of Law Number 35 of 2009 concerning Narcotics.
Integrating Islamic Social Finance and Sustainable Development: A Critical Analysis of Sahal Mahfudh’s Zakat Paradigm Muhammad Aziz
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 2 (2025): 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/ap71dm28

Abstract

Despite the significant growth of Islamic Social Finance (ISF) globally, zakat management often remains trapped in a legal-formalistic and charity-based paradigm, failing to address the roots of structural poverty. This study critically analyzes the Social Fiqh paradigm of KH. Sahal Mahfudh as a transformative model for integrating zakat into the Sustainable Development Goals (SDGs). Utilizing qualitative library research and a transformative hermeneutics approach, this research decodes Mahfudh’s Madzhab Manhaji methodology to reconstruct the distributive philosophy of zakat. The findings reveal that: (1) Mahfudh initiates an epistemological metamorphosis by redefining zakat from a static ritual into social engineering capital, which legitimizes systemic economic intervention; (2) the model leverages Pesantren-based social capital as a social incubator and non-financial collateral, ensuring the sustainability and accountability of the mustahiq-to-muzakki transition; and (3) the Social Fiqh paradigm serves as an indigenous epistemological bridge that aligns classical jurisprudence with SDG 1 (No Poverty) and SDG 8 (Decent Work) by targeting structural deprivations. This research contributes an indigenous sustainable development model for the global Muslim community, proving that traditional religious authority and social capital are vital for achieving holistic socioeconomic resilience in the 21st century.
Penerapan Electronic Traffic Law Enforcement (Etle) Terhadap Tindak Pidana Pelanggaran Lalu Lintas Mochamad Fridho Ardyansyah; Noenik Soekorini; Sri Astutik
JOURNAL OF SHARIA ECONOMICS Vol. 4 No. 1 (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: 10.35896/41hgng52

Abstract

The development of information technology has driven a transformation in the law enforcement system, including in the field of traffic through the implementation of Electronic Traffic Law Enforcement (ETLE). This study aims to analyze the legal provisions of ETLE and sanctions for traffic violations from a positive legal perspective in Indonesia. The method used is normative juridical with a statutory and conceptual approach. The results show that ETLE has a strong legal basis in the Traffic and Road Transportation Law and the Electronic Information and Transactions Law. However, its implementation has not been optimal due to factors such as public awareness, limited infrastructure, and coordination between institutions. Therefore, strengthening technical regulations, increasing public legal literacy, and developing a more integrated technology-based system are needed.
Dinamika Sosial Ekonomi Pekerja Sektor Informal Di Kota Jambi: Studi Kasus Pada Kawasan Car Free Day Seftiani, Yoranda
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 2 (2025): 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: 10.35896/25mf3031

Abstract

This study aims to analyze the socioeconomic characteristics of informal sector workers and the factors influencing the income of business owners in the Telanaipura Car Free Day (CFD) area, Jambi City. The study used a quantitative approach with primary data obtained through questionnaires distributed to 96 respondents selected using purposive sampling techniques. Data analysis was conducted descriptively and inferentially using multiple linear regression. The independent variables in this study include digital technology, operational capital, working hours, and business duration, while the dependent variable is business owner income. The results show that simultaneously all independent variables significantly influence the income of informal sector workers. However, partially only operational capital and business duration have a positive and significant effect on income. Digital technology has a positive but insignificant effect, while working hours have a negative and insignificant effect on income. The research findings also indicate that the majority of informal sector workers are of productive age, have varying levels of education, and are dominated by micro-entrepreneurs with limited capital. This study confirms that the increase in income of informal sector workers is more influenced by business capacity and business experience than the use of digital technology or increasing working hours. Therefore, strengthening access to capital and developing business capacity are important strategies in improving the welfare of informal sector workers in urban areas.
ANALISIS PENETAPAN UJRAH BARANG GADAI DITINJAU DARI FATWA DSN-MUI: ABSTRAK ,Pendahuluan, Kajian Pustaka,hasil diskusi dan daftar pustaka moch zaenal azis muctharom
JOURNAL OF SHARIA ECONOMICS Vol. 8 No. 1 (2026): 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/agcmhs33

Abstract

Penelitian ini bertujuan untuk menjelaskan analisis penentuan ujrah untuk barang gadai berdasarkan fatwa DSN-MUI di Pegadaian Syariah. Penelitian ini menggunakan jenis penelitian kualitatif dengan metode deskriptif melalui wawancara, observasi, dan dokumentasi. Pengumpulan data dilakukan dengan metode wawancara dengan kepala Pegadaian Syariah dan dokumentasi dari Pegadaian Syariah, sedangkan untuk data sekunder peneliti menggunakan dokumen, jurnal, peraturan, buku, dan karya ilmiah yang berkaitan dengan teori Rahn. Dewan Syariah Nasional dan Majelis Ulama Indonesia pada tanggal 26 Juni 2002 mengeluarkan fatwa Nomor: 25/DSN-MUI/III/2002. Dalam fatwa tersebut dinyatakan bahwa: Besarnya biaya pemeliharaan dan penyimpanan untuk barang makruh tidak dapat ditentukan berdasarkan jumlah pinjaman. Sementara itu, dalam praktiknya, biaya sewa yang dikenakan kepada nasabah akan berbeda jika jumlah pinjaman nasabah di bawah nilai pinjaman maksimum. Hasil penelitian menunjukkan bahwa perhitungan biaya ijarah yang diterapkan oleh Perum Sharia Pawnshop sesuai dengan Fatwa DSN Nomor: 25 / DSN-MUI / III / 2002, perhitungan ijarah tidak berdasarkan jumlah pinjaman nasabah tetapi berdasarkan nilai agunan itu sendiri. Biaya ijarah = Nilai perkiraan / Rp. 10.000 x Tarif x Jumlah hari pinjaman / 10 hari - (Ijarah Asli x Persentase Diskon Ijarah). Dan yang membedakan besarnya diskon adalah besarnya risiko yang ditanggung oleh pegadaian syariah, jika risikonya lebih tinggi maka diskon yang diberikan akan lebih kecil, dan sebaliknya jika risiko yang ditanggung oleh pegadaian syariah lebih tinggi maka diskon yang diberikan akan lebih besar.
Pengaruh Promosi dan Diskon terhadap Kepuasan Pelanggan Toserba Tikung Lamongan Erly Juliyani Juliyani
JOURNAL OF SHARIA ECONOMICS Vol. 8 No. 1 (2026): 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/z7ees708

Abstract

This study aims to analyze the impact of discounts and promotions on customer satisfaction at Toserba Tikung Lamongan. The increasingly competitive retail competition demands businesses to design effective marketing strategies to enhance customer satisfaction as an indicator of business sustainability. This study uses a quantitative approach with a survey method targeting customers who have shopped at Toserba Tikung Lamongan. Data analysis was performed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) to test the validity, reliability, and relationships between variables. The results of the study show that both discounts and promotions have a positive and significant effect on customer satisfaction. Promotions have a more dominant influence compared to discounts, as reflected in the larger path coefficient and effect size values. The R-square value of 0.857 indicates that 85.7% of the variation in customer satisfaction can be explained by these two variables, meaning the research model has a very strong explanatory power. These findings suggest that a marketing strategy based on effective promotional communication and well-measured discount policies are key determinants in enhancing customer satisfaction in the local retail sector. This research provides practical implications for retail management in designing marketing strategies that focus on creating value and customer experience sustainably.
Analisis Keluhan Pelanggan Toserba Pusat Pondok Pesantren Sunan Drajat Dan Strategi Perbaikan Pelayanan hanny lubaba
JOURNAL OF SHARIA ECONOMICS Vol. 8 No. 1 (2026): 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: 10.35896/2bp49655

Abstract

This study aims to analyze the most dominant customer complaints, examine management responses, and formulate service improvement strategies at Toserba Pusat Pondok Pesantren Sunan Drajat Lamongan. The study employs a descriptive qualitative approach supported by simple quantitative data. Data were collected through questionnaires distributed to 100 respondents and interviews with management on each floor of the department store. Quantitative data were analyzed by calculating the mean and percentage values of several indicators, including service, product availability, price, and consumer preference. Meanwhile, qualitative data were analyzed through data reduction, data presentation, and conclusion drawing. The results show that customer complaints vary across floors. On the first floor, complaints are mainly related to price clarity and cashier service speed. On the second floor, the dominant complaints concern product availability, particularly the out-of-stock condition of several electronic products. Meanwhile, on the third floor, complaints are associated with low customer preference, influenced by limited product variety and price perception. Management responses include routine evaluations, recording customer needs, and ordering products from suppliers. Service improvement strategies implemented include adding cashier units and price scanning machines, procuring products based on customer demand, and implementing product innovation and discount programs to increase customer satisfaction and loyalty.
Productive Zakat Management and Economic Empowerment: Integrating Legal Compliance within Indonesia’s Islamic Social Finance Framework Muhammad Aziz
JOURNAL OF SHARIA ECONOMICS Vol. 8 No. 1 (2026): 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/bgy6r742

Abstract

This study examines the implementation of productive zakat management within Indonesia’s Islamic social finance framework by integrating legal compliance, institutional governance, and economic empowerment perspectives. Despite the significant potential of zakat as a tool for poverty alleviation, its utilization often remains consumptive, limiting its long-term developmental impact. This research aims to analyze how productive zakat is implemented, to evaluate its compliance with Law No. 23 of 2011, and to assess its contribution to the economic empowerment of beneficiaries. A qualitative case study approach was employed, focusing on a local zakat institution in Indonesia. Data were collected through semi-structured interviews, field observations, and document analysis, and were analyzed using thematic analysis combined with a legal compliance framework. The study adopts an integrated theoretical approach, drawing on Islamic social finance, empowerment theory, maqāṣid al-sharī‘ah, and institutional governance perspectives. The findings reveal that productive zakat management has shifted toward empowerment-oriented practices through business capital support, training, and mentoring programs. However, the sustainability of these initiatives depends on the strength of institutional support systems and beneficiary capacity. While the institution demonstrates substantial formal compliance with regulatory requirements, a gap persists between normative compliance and substantive implementation. Furthermore, productive zakat contributes positively to economic empowerment, as evidenced by increased income and business activity among beneficiaries, although long-term resilience remains uneven. This study contributes to the literature by proposing a multi-layered analytical framework that integrates legal compliance with governance and empowerment outcomes in zakat management. It highlights that effective productive zakat requires not only regulatory adherence but also strong institutional capacity and continuous empowerment strategies. The findings offer practical insights for policymakers and zakat institutions to enhance governance mechanisms and optimize the role of zakat as a sustainable development instrument within Islamic social finance.