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Shelvyna Rikantasari
Contact Email
economicsshariah@gmail.com
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+6281357108443
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economicsshariah@gmail.com
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Kab. tuban,
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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 195 Documents
Effective learning during industry internship creates pathways to better corporate career for students of professional course a study of internship learning that contributes to enhancement of human capital in Indian context Priyanita Bose; R.P. Banerjee; Sanchita Saha
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): 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.v5i1.466

Abstract

Corporate career requires competence, compatibility and adaptability apart from specific skills and values. The career becomes formidable and effective with a prior learning and experience through a similar corporate context prior to the entry to destination career. This is done through internship learning in business and corporate context in any country. Internship learning, thus enhances the quality and content of Human Capital in an individual professional. Finally contributing to the direct & indirect economic gain in a corporate organization and thereby the nation. Internship provides practical experience which enriches the knowledge and competence of the person. It provides hands on learning. Internship provides career related experience in his/her academic career both at undergraduate and postgraduate level. MBA students can do Internship can be done in any area. This study is on learning during internship and how effective it is for creating a corporate career in Indian context. Through the Internship process students develop good degree of knowledge of the corporate. One of the important things in the internship process is that students can get original information about the work and culture of the organization also how they operate in the market. In this entire practical learning process positive attitude is very important things to carry out entire work properly. Positive Attitude refers to affirmation towards any work with a view to undertake the work and taking it forward towards completion, based on the declared objective of the work. Through the internship learning students can learn hands on experiences, build their network with industry, can sharpen their professional capabilities and can learn the key areas that need to learn in the internship. Interns are destined to work with their values and ethics.
Economic Emergence Depends upon Positive Health Condition of Masses: A Study with Special Reference to the Effects of Wrong use of Drugs on Human Health that Impacts Economic Output Sreemoyee Ghosh; Farida Isroani; Sanchita Saha
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): 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.v5i1.467

Abstract

ealth improvement is indeed a significant social priority because good human capital condition improves the abilities, efficiency, and quality of life of a workforce. Thus, it is important to understand the factors pertaining to the Economic output of an individual in a group context. Illness, whether it is physical or mental, can have a negative impact on the economic output of an individual in an organization. Positive mental and physical health makes a person productive, whereas negative mental health makes a person unproductive even if the person is physically healthy. The Micro and Macro environment of the workplace also play a pivotal role in the productive output of an individual. Hence, we need to get a delighted mind in a favorable workplace with a healthy and composed physical entity in order to contribute to the domain of work towards the accomplishment of the objective of the work. The effects of illness and disease burden lead to loss of productivity, social isolation or exclusion and a negative socio-economic spiral for the individual as well as for the collective. Medicines play a crucial role in the healthcare industry as they are the compounds which are having direct or indirect impact on human health. However, wrong use or abuse of medicines in any way proves detrimental to the mental and physical health of the person. So, it is also essential to understand the relation of use of medicine for disease control and productivity. This will lead to right and rational use of medicine which in turn will help the domain of economy on a positive scale. On the other hand, for getting a delighted mind at the workplace, an individual must be freed from the lower order emotions and egoistic identities which lead to disvalues. Rather, a person, who can maintain a life with higher consciousness through a sustained effort of union with the supreme, can be elevated to a state of mind which is desireless and that desireless action can lead to optimum productivity.
Mental Illness Causing Devalued Economic Output in any Given Context in the World: Exploring the Remedies Tanima Chatterjee; Moh. Agus Sifa'; R.P. Banerjee
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): 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.v5i1.468

Abstract

Economic output is a combination of the means of activities and the human intervention towards effective utilization of the means of the work. Human interventions are not merely random. It has a strong basis of individual and collective mental conditions depending on the different psychophysical and psycho-spiritual level. Mental illness has a direct impact on the motivation for thoughts and works. Usually ill mind lacks in the illumination of the cosmic goodness and thus becomes a prey to various factors of retardation in the field of work and thought. The present study identifies the relation between physical or intellectual output of an individual contributing to the economic development and sustainability, assesses on an important scale the psychophysical and psycho-spiritual context of individual, impacting economic activities and identifies the remedies to overcome mental illness to enhance individual output in order to get a better economic development and sustainable conditions. Findings suggests human dimensions including physical, intellectual and behavioral intervention are having direct relationship with economic growth in both micro and macro level. Individual’s position in psychophysical and psycho-spiritual model is being assessed through Maslow’s need hierarchy model and model of five different sheaths (Pancha Kosha) of consciousness and it has been observed that the economic output has direct relation with the position of individual in different levels of Maslow’s need hierarchy model and transcendental impact of Pancha Kosha on individual potential leading towards better output of an individual and therefore enhancing economic activity in the macro level. This study has also suggested certain remedies to enhance individual output through enhancing human potential in order to impact economic growth and sustainability in a positive manner.
Appropriate Professional Education Helps In Making Better Human Capital In An Aspirant Of A good Career Arpita Ghosal; R.P. Banerjee; Sanchita Saha
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): 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.v5i1.469

Abstract

Professional education has twin focus: On one hand it aims at creating a good basis of earning livelihood to the level of happiness of the person and on the other hand, it attempts to contribute directly or indirectly to the economic well-being Es of the nations. Whereas, there are plethora of professional courses of study, only a few are there which can fulfil the short term objective of the person and finally contributes to the effective making of an enduring and ever growing worth of the human capital in the person. Management education in the right forum thus enables the person to develop that effective and enduring career. It is in the backdrop study of management from right place creates a sustainable and valued career. This study is aiming to explore that how professional courses help an individual to attain a successful career. Every individual has their own economical and social responsibilities towards their society and country. Proper selection of career is one of the most important decisions in individual’s life. Now-a-days professional courses are playing an important role to make corporate employees. Many professional courses are now available in education world. So the selection of a professional course is very important. An individual must select the professional course on the basis of the area of interest, scope in the particular sector, eligibility of the individual. Through a professional course an individual gets professional orientation and professional orientation of career enables a young aspirant develop a better footing in life and activities. It also enhances the speed and volume of growth of corporate in terms of socio economic context. In this study we are going to explore from every aspect that how professionalism in career and work effectively induces the spirit of internationalism in given context.
Analysis factors Reason The low Micro , Small and Medium Enterprises Loans at Bank Financial Institutions in Indonesia Yuni Rinawati; Galih Fahmi Fadhillah; Mashudi .
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): 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.v5i1.536

Abstract

Permasalahan utama yang dihadapi oleh UMKM di Indonesia adalah terkait permodalan. Di mana, berdasarkan data akses kredit UMKM di Lembaga keuangan bank masih rendah. Sehingga tujuan dari penelitian ini ialah melihat bagaimana dukungan pemerintah terhadap permodalan UMKM serta faktor-faktor penyebab rendahnya kredit UMKM pada Lembaga Keuangan Bank Indonesia. Jenis penelitian ini berupa kepustakaan (library research). Hasil penelitian menunjukkan bahwa pada dasarnya terdapat beberapa peraturan yang dibuat pemerintah untuk mendukung berkembangnya UMKM yang dihadapkan dengan permaslahan modal di antaranya yaitu Undang-Undang No.20 Tahun 2008, peraturan Bank Indonesia No.14/26/PBI/2012 terkait Kegiatan Usaha dan Jaringan Kantor Berdasarkan Modal dan Inti Bank, Peraturan Bank Indoneisa No.17/12/PBI/2015 di mana bank wajib memberikan kredit atau pembiayaan kepada UMKM tentang Perubahan Atas Peraturan Bank Indonesia No.14/22/PBI/2015 Tentang Pemberian Kredit atau pembiayaan oleh Bank Umum dan Bantuan Teknis Dalam Rangka Pengembangan UMKM. Sedangkan faktor-faktor yang menjadi penyebab rendah kredit UMKM di Lembaga keungan bank dari sisi perbankan dan dari sisi UMKM. Dari sisi bank yaitu bank lebih senang menyalurkan dana besar kepada pengusaha yang bankable daripada melanyalurkan kepada para ribuan para pelaku UMKM yang unbankable. Sedangkan dari sisi UMKM terdiri dari tidak adanya pembukuan laporan keuangan yang dihasilkan oleh UMKM sebagai syarat kredit di perbankan, tidak mampu menyediakan angunan, prosedur maupun dikumen administratif sukit dan berbelit -belit, suku bunga dinilai tinggi.
Competitiveness In Entrepreneurs Refilling Mineral Water and Pulse Agent Payment Point Online Bank (PPOB) Nia kurniah
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): 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.v5i1.539

Abstract

The development of the visionary world of business in Indonesia is expanding. This can be seen from the emergence of many entrepreneurs, both in traditional and online stores. Clothing, food and other necessities for daily life are among the items available. In the world of entrepreneurship, competition or competitiveness cannot be avoided. Entrepreneurs are forced to compete to create something that can increase the added value of their products as a result of free trade. Claimed item benefits can strengthen the strength of other competitor items. An entrepreneur will always find new ways to improve and maintain the quality of his products in order to create new products
Sharia Leasing Transaction System in the Financial Industry Fahmi Alif Aldianto; Pera Wibowo Putro; Neni Utami; Yuni Rinawati
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): 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.v5i1.540

Abstract

The sharia leasing system applies to all financing carried out and innovated according to sharia principles dan in line with concepts in sharia principles. In addition, this system still has weaknesses: high capital investment does not prevent those who carry out these activities from breaking their promises. Therefore, regulations are needed that regulate more precisely to minimize this. This study uses a critical analytical review method based on a literature review using data from journals, books and information from the internet. The results of the analysis show that contract-based financing companies that finance the company's operations are in accordance with sharia principles. Sharia leasing can apply the principles of efficiency, innovation, and compliance with sharia norms.
The Influence of Islamic Branding, Halal Awareness, and Product Ingredients on Purchasing Decisions of Cosmetic and Skincare Products Ary Dean Amri; Putti Sherna; Anisa Putri Marpaung; Alda Mariatul Kiptiah; Fitriani .; Benny Zulfikar; Naufal Alfarizie HSB; Raden Aqsal Safatullah
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): 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.v5i1.541

Abstract

P This study aims to identify the influence of Islamic branding, halal awareness, and product ingredients on the intention to buy cosmetic and skincare products among Muslim women of generation Z in Jambi Province. The use of cosmetic and skincare products that comply with Islamic principles is increasingly important for Muslim women who want to ensure that the products they use are halal and in accordance with their religious beliefs. Therefore, factors such as Islamic branding, halal awareness, and product ingredients are important considerations in their purchasing decisions. This study used a survey method by distributing questionnaires to a sample of generation Z Muslim women in Jambi Province. The data collected was analyzed using multiple linear regression methods to examine the relationship between Islamic branding, halal awareness, and product ingredients on buying interest in cosmetic and skincare products. In addition, factor analysis was also carried out to identify the factors that most influence purchasing decisions.This research makes an important contribution in understanding the factors that influence purchasing decisions for cosmetic and skincare products among Muslim women of generation Z. The results of this research can be a reference for cosmetic and skincare companies in developing more effective marketing strategies that take into account religious values and the needs of Muslim consumers. In addition, this research can also be a basis for further research in a broader context.
Lack Of Sharia Financial Literacy as A Factor Causing Less Attention to Sharia Factoring In Indonesia Rini Fitriani; Nahdiya Asna; Nana Alfiana
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): 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.v5i1.546

Abstract

Many Islamic financial institutions offer various Sharia-compliant financial products, including Islamic factoring. Islamic factoring is regulated by the National Sharia Board Fatwa (DSN) Number 67/DSN-MUI/III/2008. Islamic factoring is the process of transferring short-term receivables of a company in accordance with Sharia principles. It is one of the financing options for companies that use installment or deferred payments to boost sales. However, implementing sales with installment or deferred payments can pose problems if not done through a legal third party. This third party can be an Islamic factoring company or an Islamic financial institution that offers Islamic factoring products. Despite the presence of many companies in Indonesia, both listed on the Indonesia Stock Exchange and unlisted, whether state-owned or private, the growth of Islamic factoring in Indonesia has not kept pace with overall growth. Therefore, this research aims to explore the factors that contribute to the lack of interest in Islamic factoring in Indonesia. The research method employed is a literature study using written data from journal articles, books, and reliable documents such as the Financial Services Authority website. Data analysis is conducted using a descriptive approach. The research findings indicate that one of the factors causing the lack of interest in Islamic factoring is the low level of financial literacy in Sharia among the public.
Comparison Analysis of Non Performing Loans and Performing Financing ( Case Study of BRI and Bank Muamalat ) Ary Dean Amri; Alifah ,; Annisa .; Hayatun Nisaa; Helmalia Putri Tsalsabina
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): 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.v5i1.549

Abstract

The global financial crisis that occurred several years ago has had a significant impact on the banking sector worldwide. One indicator that is often used to measure the financial health of a bank is the level of Non-Performing Loans (NPL) and Non-Performing Financing (NPF). NPL refers to credit that is not paid by the borrower within a certain period of time, while NPF refers to non-current financing in the context of Islamic banking. The purpose of this research is to analyze the comparison of NPL and NPF at Bank Muamalat and Bank BRI. The method used in this study is a quantitative approach by collecting secondary data from the annual financial statements of the banks concerned. The data collected includes NPL and NPF levels during the study period. The results of the analysis show that there are significant differences in the levels of NPL and NPF between Bank Muamalat and Bank BRI. Bank Muamalat has higher NPL and NPF levels compared to Bank BRI. Factors that can affect the NPL and NPF levels between the two banks include credit policies, borrower profiles, and recovery measures taken by the banks.

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