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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 232 Documents
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Integrasi Prinsip Keadilan dan Risiko dalam Akad Musyarakah: Studi Komparatif Fatwa DSN-MUI dan Konsep Partnership dalam Ekonomi Islam Kontemporer Dewi Riza Lisvi Vahlevi
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: 10.35896/0n181y38

Abstract

Musyarakah adalah akad pembiayaan berbasis bagi hasil yang menempatkan keadilan dan risiko sebagai inti prinsip kontraktualnya. Fatwa DSN-MUI No. 08/DSN-MUI/IV/2000 mengatur prinsip-prinsip keadilan dan pembagian risiko dalam pelaksanaan akad Musyarakah di Indonesia. Artikel ini membandingkan norma dalam fatwa tersebut dengan konsep partnership dalam ekonomi Islam kontemporer, yang menekankan pada struktur kemitraan, risk sharing, dan keadilan distributif. Pendekatan penelitian bersifat normatif dan komparatif dengan metode fiqih muamalah dan analisis ekonomi Islam. Berdasarkan tinjauan literatur dan studi kasus lokal, ditemukan bahwa meskipun Fatwa DSN-MUI telah menetapkan kerangka keadilan dan risiko, dalam praktik terdapat penyimpangan terutama dalam hal pembagian kerugian dan transparansi. Konsep partnership kontemporer menawarkan alternatif penguatan norma-norma tersebut melalui model risiko-kepemilikan/modal yang adil dan mekanisme kontrol partisipatif. Artikel ini merekomendasikan integrasi praktik dan regulasi agar akad Musyarakah semakin konsisten dengan prinsip keadilan dan pembagian risiko, terutama di lembaga keuangan syariah dan fintech.
Penguatan Tata Kelola Islamic Social Finance melalui Kerangka Maqasid al-Shariah yang Terintegrasi TRI NADHIROTUR ROIFAH; Muhammad Lathoif Ghozali lathoif
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/jaahgf14

Abstract

Keuangan Sosial Islam (Islamic Social Finance/ISF), yang mencakup instrumen seperti zakat, wakaf, sedekah, dan berbagai bentuk filantropi Islam lainnya, memiliki peran strategis dalam mewujudkan keadilan sosial-ekonomi, pengentasan kemiskinan, serta pembangunan yang inklusif dan berkelanjutan. Meskipun memiliki potensi yang besar, pengelolaan lembaga ISF di berbagai negara masih menghadapi sejumlah tantangan, terutama terkait dengan lemahnya tata kelola kelembagaan, rendahnya transparansi dan akuntabilitas, keterbatasan koordinasi antar lembaga, serta belum optimalnya integrasi dengan perkembangan teknologi dan sistem keuangan modern. Kondisi tersebut berimplikasi pada belum maksimalnya efektivitas penghimpunan, pengelolaan, dan pendistribusian dana sosial Islam dalam memberikan dampak sosial yang berkelanjutan. Penelitian ini bertujuan untuk memperkuat manajemen dan tata kelola ISF melalui pengembangan kerangka konseptual yang terintegrasi berbasis Maqasid al-Shariah. Penelitian menggunakan pendekatan kualitatif konseptual dengan melakukan kajian kritis terhadap literatur, model tata kelola yang telah berkembang, serta berbagai praktik kelembagaan ISF. Analisis difokuskan pada identifikasi kesenjangan dalam aspek akuntabilitas, efektivitas kelembagaan, kepercayaan pemangku kepentingan, dan orientasi dampak sosial. Kerangka yang diusulkan mengintegrasikan dimensi utama tata kelola, yaitu kepatuhan syariah, transparansi, akuntabilitas, profesionalisme kelembagaan, partisipasi pemangku kepentingan, dan inovasi digital dalam perspektif Maqasid al-Shariah yang menekankan perlindungan terhadap agama (hifz al-din), jiwa (hifz al-nafs), akal (hifz al-'aql), keturunan (hifz al-nasl), dan harta (hifz al-mal). Hasil kajian menunjukkan bahwa integrasi prinsip Maqasid al-Shariahdalam tata kelola ISF mampu meningkatkan kredibilitas lembaga, memperkuat kepercayaan publik, mengoptimalkan efisiensi alokasi sumber daya, serta memperluas dampak sosial-ekonomi secara berkelanjutan. Penelitian ini memberikan kontribusi teoritis berupa model tata kelola yang holistik sekaligus menawarkan implikasi praktis bagi pembuat kebijakan, regulator, dan pengelola lembaga ISF dalam mendukung pencapaian tujuan pembangunan berkelanjutan.
Evaluasi Dampak Ekonomi dan Sosial Perkebunan Kelapa Sawit Di Kawasan Hutan Terhadap Kesejahteraan Masyarakat Di Kabupaten Batanghari (2020–2025) Asna Nengsih; M.Ridwansyah; Zainul Bahri; Siti Hodijah; Nurhayani
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal 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: 10.35896/8ddc7g84

Abstract

This study aims to evaluate the economic and social impacts of oil palm plantations in forest areas on community welfare in Batanghari Regency during the period 2020–2025. A quantitative approach was used to measure objective indicators such as income and access to facilities, as well as community perceptions regarding economic benefits. Data were collected through questionnaires and interviews from approximately 100 households using a stratified random sampling technique. The results indicate that land area, community participation, land legality, and market access have a positive influence on welfare, while environmental factors and management sustainability are important concerns. This study recommends policies that balance economic benefits and environmental preservation for sustainable development.
Analisis Strategi Pelayanan Islami Dalam Meningkatkan Kepuasan Pelanggan di CV.ISIPA “Pusat Rehabilitasi” Kota Jambi Vika Gustiani; Kemas Imron Rosadi; Eri Nofriza
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal 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: 10.35896/5jyjac34

Abstract

This study aims to analyze the implementation of Islamic service strategies in improving customer satisfaction at CV. ISIPA Rehabilitation Center, Jambi City. The study is motivated by the importance of service quality in creating customer satisfaction, particularly in rehabilitation service companies that require high levels of trust, professionalism, and empathy. The Islamic service strategy is based on the principles of shidiq (honesty), amanah (trustworthiness), tabligh (communicativeness), and fathanah (professionalism) as the implementation of Islamic business ethics in service activities. This research employed a qualitative approach with a field research design. Data were collected through observation, in-depth interviews, and documentation. The informants consisted of the owner, employees, and customers of CV. ISIPA Rehabilitation Center. Data analysis was conducted through data reduction, data display, and conclusion drawing, while data validity was ensured through source, technique, and time triangulation. The findings reveal that CV. ISIPA has implemented Islamic service strategies in its customer service process. The principle of shidiq is reflected in honest and transparent information delivery, amanah in fulfilling service commitments responsibly, tabligh in effective communication with customers, and fathanah in the competence and professionalism of employees in providing solutions to customer needs. The implementation of these Islamic service principles contributes positively to customer satisfaction as reflected in the SERVQUAL dimensions, namely tangibles, reliability, responsiveness, assurance, and empathy. However, several challenges remain, including limited responsiveness of some employees, less effective communication, and perceptions of unequal treatment among customers. Therefore, continuous improvement in human resource competencies, Islamic-based service excellence training, and regular service evaluations are necessary to enhance service quality and customer satisfaction.
Pengaruh Penggunaan Tiktok Shop Dan Perilaku Keuangan Terhadap Keputusan Pembelian Produk Kecantikan Pada Generasi Z Di Desa Mendalo Indah Tiara Gunita; Hansen Rusliani; Solichah
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal 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: 10.35896/5c4v3r50

Abstract

This study aims to analyze the influence of TikTok Shop usage and financial behavior on beauty product purchasing decisions among Generation Z in Mendalo Indah Village, Muaro Jambi Regency. The study is motivated by the increasing use of social media as an online shopping platform and the high interest of Generation Z in beauty products promoted through TikTok Shop. In addition to the external factor of TikTok Shop usage, financial behavior is considered an internal factor influencing consumer purchasing decisions. This research employed a quantitative approach with an associative research design. The population consisted of Generation Z individuals residing in Mendalo Indah Village who had purchased beauty products through TikTok Shop. A total of 100 respondents were selected using purposive sampling techniques. Data were collected through questionnaires and analyzed using multiple linear regression with the assistance of SPSS software.The results indicate that TikTok Shop usage has a positive and significant effect on beauty product purchasing decisions among Generation Z in Mendalo Indah Village. Features such as live shopping, promotional videos, customer reviews, and discount programs have been proven to increase consumer interest and purchasing decisions. Financial behavior also has a positive and significant effect on purchasing decisions. Generation Z consumers with better financial behavior tend to be more rational in considering their needs, product benefits, and financial capabilities before making purchases. Simultaneously, TikTok Shop usage and financial behavior significantly influence beauty product purchasing decisions. These findings suggest that purchasing decisions are shaped by the interaction between external and internal factors. Therefore, business actors should optimize digital marketing strategies through TikTok Shop, while consumers should improve their financial management skills to make wiser purchasing decisions.
Pengaruh Inovasi Layanan Dan Kesesuaian Prinsip Syariah Terhadap Kepercayaan Nasabah Pada Bank Syariah Indonesia Cabang Pattimura Selvi Aulia; Efni Anita; Rohana
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal 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/t11scz39

Abstract

This study aims to analyze the influence of service innovation and compliance with sharia principles on customer trust at Bank Syariah Indonesia (BSI) Pattimura Jambi Branch. The study is motivated by the importance of customer trust as a key factor in maintaining sustainable relationships between banks and customers amid the increasingly competitive Islamic banking industry. Service innovation has become one of the strategic efforts undertaken by banks to improve service quality through the utilization of digital technology, while compliance with sharia principles represents the fundamental characteristic distinguishing Islamic banks from conventional banks. Therefore, both factors are assumed to play a significant role in shaping and enhancing customer trust in Islamic banking institutions.This research employed a quantitative approach with a causal associative design. The population consisted of all customers of Bank Syariah Indonesia Pattimura Jambi Branch, while the sample comprised 100 respondents selected through purposive sampling. Data were collected using questionnaires based on a Likert scale and analyzed using the Statistical Package for Social Sciences (SPSS). The data analysis techniques included validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and coefficient of determination (R²).The results indicate that service innovation has a positive and significant effect on customer trust at Bank Syariah Indonesia Pattimura Jambi Branch. Furthermore, compliance with sharia principles also has a positive and significant effect on customer trust. Simultaneously, service innovation and compliance with sharia principles significantly influence customer trust. These findings suggest that customer trust is formed through a combination of innovative service quality and the bank’s commitment to consistently implementing Islamic principles. Therefore, Bank Syariah Indonesia should continue to develop technology-based service innovations while strengthening the implementation of sharia principles in order to enhance customer trust and maintain competitiveness in the Islamic banking industry
Pengaruh Pengetahuan, Akses Kemudahan Digital dan Resiko Terhadap Keputusan Penggunaan QRIS BSI Rona Afriliani; Usdeldi; M. Yusuf
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: 10.35896/5p60qn16

Abstract

This study aims to analyze the influence of knowledge, digital accessibility, and perceived risk on the decision to use Bank Syariah Indonesia (BSI) QRIS among Generation Z in Jambi City. The rapid development of digital payment technology has increased the use of Quick Response Code Indonesian Standard (QRIS) as a non-cash transaction method, especially among Generation Z, which is highly adaptive to digital technology. However, several challenges remain, including limited user understanding, ease of application access, and concerns regarding the security risks of digital transactions. This study employed a quantitative approach with an associative research design. The sampling technique used was purposive sampling, involving 100 Generation Z respondents in Jambi City who had used BSI QRIS. Data were collected through questionnaires using a Likert scale and analyzed using multiple linear regression with SPSS software. The results showed that knowledge and digital accessibility had a positive and significant effect on the decision to use BSI QRIS, while perceived risk had a negative and significant effect on the decision to use BSI QRIS. Digital accessibility was found to be the most dominant variable influencing QRIS usage decisions. Simultaneously, knowledge, digital accessibility, and perceived risk significantly influenced the decision to use BSI QRIS among Generation Z in Jambi City. This study is expected to serve as an evaluation material for Bank Syariah Indonesia in improving QRIS service quality, strengthening digital transaction security, and enhancing digital literacy among the public
Pengaruh Harga Komoditas Global, Penyertaan Modal Negara, Dan Total Aset Terhadap Pembagian Dividen Bumn Pertambangan Dalam Mendukung Pemerimaan Negara Dodi Firman Syah; Haryadi; Hodijah
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/c55v1n85

Abstract

State-owned enterprises (SOEs) in the mining sector play a strategic role in state revenue, particularly through dividend payments as Non-Tax State Revenue (PNBP). This study aims to examine the effect of global commodity prices, state capital participation (PMN), and total assets on dividend distribution in mining SOEs. The data used is panel data for four mining SOEs (PT Timah, PT Antam, PT Inalum, PT Bukit Asam) for the 2017–2024 period, with a total of 32 observations.The analysis method uses panel data regression, and model selection is carried out using the Chow and Hausman test, which leads to a Fixed Effects Model (FEM). The results indicate that global commodity prices significantly influence dividend distribution (t = 3.518; p = 0.0017), while total assets (t = 1.165; p = 0.2548) and PMN (t = 1.760; p = 0.0905) are partially insignificant.However, simultaneously, all three variables significantly influenced dividends, with an Adjusted R-Square of ± 0.498, indicating the model's ability to explain approximately 49.8% of dividend variation. The findings confirm that state-owned mining company dividends are more sensitive to commodity cycle dynamics, while state-owned mining companies tend to be strategic/episodic, thus delaying their impact on dividends.
Faktor Ekonomi Dan Ketimpangan Wilayah Kawasan Timur Indonesia Abd Hakim Aflaha; Zulgani; Rosmeli
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/x539ar85

Abstract

Regional development disparities remain a major issue in Eastern Indonesia (KTI). Despite possessing significant natural resource potential, economic development across provinces in KTI shows a considerable gap compared to Western Indonesia. This disparity is reflected in differences in income levels, the quality of human resources, local fiscal capacity, and the distribution of investment across regions. This study aims to: (1) analyse the level of inter-provincial regional development inequality in Eastern Indonesia; (2) analyse the level of intra-regional development inequality between districts/cities in Eastern Indonesia; and (3) analyse the influence of the Human Development Index, Fiscal Decentralisation, and Foreign Direct Investment on regional development inequality in Eastern Indonesia. Secondary data for the period 2010–2024 were analysed using multiple linear regression within a panel data framework via the EViews 14 application, with inequality measured using the Williamson Index and the Theil Index.The results of the Williamson Index reveal significant variations in disparity across provinces. Gorontalo falls into the low inequality category, Bali and several provinces in Sulawesi into the moderate category, whilst West Papua and Papua fall into the very high category. The results of the Theil Index show that Central Sulawesi and West Nusa Tenggara have the highest levels of intra-regional inequality, whilst Gorontalo and West Sulawesi have relatively low levels. Estimates from the selected Random Effects Model indicate that the HDI has a negative and significant effect on inequality as measured by the Williamson and Theil indices. DESF has a non-significant negative effect in the Williamson model, but a significant positive effect in the Theil model. Furthermore, FDI has a positive and significant effect on inequality as measured by the Williamson and Theil indices
Pengaruh Kepercayaan dan Pengalaman Terhadap Loyalitas Nasabah Bank Jago Syariah di Jambi M. Rikcy; Efni Anita; Nurfitri Martaliah
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal 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/phdt4c68

Abstract

This study aims to examine the influence of trust and customer experience on customer loyalty at Bank Jago Syariah in Jambi. The rapid growth of Islamic digital banking requires financial institutions not only to attract new customers but also to maintain the loyalty of existing customers. Trust and customer experience are considered important factors that can influence customer loyalty in the use of digital banking services. This study employed a quantitative approach with a causal associative research design. The population consisted of all Bank Jago Syariah customers in Jambi, while the sample included 100 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed through validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and coefficient of determination (R²) using SPSS software. The results indicate that trust has a positive and significant effect on customer loyalty. Customer experience also has a positive and significant effect on customer loyalty. Furthermore, trust and customer experience simultaneously have a positive and significant effect on customer loyalty at Bank Jago Syariah in Jambi. These findings suggest that higher levels of trust and better customer experiences lead to stronger customer loyalty. Therefore, Bank Jago Syariah should continuously enhance service security, maintain customer trust, and improve customer experience to strengthen long-term customer loyalty.

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