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Ogi Saputra
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ICONS
Published by Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
ISSN : -     EISSN : 31245153     DOI : -
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ICONS Islamic Economics Journal. is the journal that publishing the research result in the area of sharia economic. This journal focuses on Islamic economics research and present issues. Scope this Journal specializes in Islamic economics thought, research, and is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines. Including; Islamic Economics, Islamic Business, Islamic banking, Issues on shariah implementation/practices of Islamic banking Islamic Accounting.
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Articles 103 Documents
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ANALISIS PERBANDINGAN KINERJA KEUANGAN PERBANKAN SYARIAH (STUDI BANK MUAMALAT DAN  BANK SYARIAH INDONESIA) Muhammad Ananda Rafli; Arsa; Efni Anita
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3269

Abstract

Bank performance will show a company's ability to manage and allocate its resources, so that every bank definitely wants to have good performance to be able to survive in the midst of increasingly tight banking industry turmoil. Financial performance assessment can be analyzed using ratio analysis that focuses on factors: capital, quality of productive assets, management, profitability and liquidity. This study has research results that the comparison of the CAR ratio at Muamalat Bank and Indonesian Sharia Bank in 2017-2022 shows that there is no difference between the CAR ratio at Bank Muamalat and Bank Syariah Indonesia. As evidenced by the Sig value (0.152)> 0.05. The comparison of the NPF ratio at Muamalat Bank and Indonesian Sharia Bank in 2017-2022 shows that there is no difference between the NPF ratio at Bank Muamalat and Bank Syariah Indonesia. As evidenced by the Sig value (0.134)> 0.05. Comparison of ROA ratios at Muamalat Bank and Indonesian Sharia Bank in 2017-2022 shows that there is a difference between the ROA ratio at Bank Muamalat and Bank Syariah Indonesia. As evidenced by the Sig value (0.00) > 0.05. Comparison of BOPO ratios at Muamalat Bank and Indonesian Sharia Bank in 2017-2022 shows that there is a difference between the BOPO ratio at Bank Muamalat and Bank Syariah Indonesia. As evidenced by the Sig value (0.00) > 0.05. Comparison of FDR ratios at Muamalat Bank and Indonesian Sharia Bank in 2017-2022 shows that there is a difference between the FDR ratio at Bank Muamalat and Bank Syariah Indonesia. As evidenced by the Sig value (0.00) > 0.05.
Analisis Peran Pengendalian Internal dalam Mencegah Kecurangan dan Meningkatkan Efektivitas Organisasi: Studi Pustaka Sarah Putri Nuryanti1*, Putri Nuryanti1; Neza Miftahuljannah; Ela Puspita; Febi Ayu Sonia; Azka Fatilla; Dhaifina Nabila Nasution
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3270

Abstract

Fraud is a critical issue that threatens the effectiveness and sustainability of organizations. Internal control plays a key role in fraud prevention and supports the establishment of an accountable governance system. This study aims to analyze the role of internal control in preventing fraud and enhancing organizational effectiveness through a literature review approach. The research method is descriptive qualitative, using thematic analysis of 24 journal articles and 4 relevant academic books. The results indicate that effective internal control can reduce fraud risk through structured supervision, transparent reporting, and proper segregation of duties. The presence of internal and external audits reinforces the control system through independent validation and layered oversight. Furthermore, ethical organizational culture, individual morality, and the use of information technology significantly influence the effectiveness of internal control. The study concludes that an integrated, ethical, and technology-supported internal control system is essential for building a resilient and accountable organization.
ANALISIS PEMAHAMAN MASYARAKAT TERHADAP NISBAH PADA MUDHARABAH DI BANK BSI GATOT SUBROTO KOTA JAMBI Raden Muhamad Royru; Ahmad Syahrizal; Sissah
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3305

Abstract

This study aims to analyze the public's understanding of the profit-sharing ratio (nisbah) in mudharabah at Bank Syariah Indonesia (BSI) Gatot Subroto, Jambi City. Using a qualitative approach, data were collected through interviews, observations, and documentation. Participants included bank customers and employees, providing insights into their understanding of the nisbah mechanism in mudharabah products. The results indicate that the public's understanding varies, with most customers recognizing the importance of nisbah as an indicator of profit sharing. However, there are still gaps in understanding the detailed mechanisms and calculations of nisbah. This research suggests the need for further education for the community on the technical aspects of mudharabah, enabling customers to make more informed and prudent decisions when choosing sharia financial products. The findings of this study are expected to contribute to enhancing financial literacy in the community.
PRINSIP DAN KONSEP MANAJEMEN SYARIAH Moza Indah Febryani; Dewi Sartika; Sasqiasalsabilla; Raditio; Aldy Saputra; Muhammad Ghiffran Arrony; Putri rizki
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3306

Abstract

This research aims to analyze the principles and concepts of Sharia management as a framework for organizational governance based on Islamic values. The main focus of the research is to examine the integration of the values of monotheism, justice, trustworthiness, consultation, and public interest in managerial practices and to compare them with conventional management. This research uses a qualitative literature study method, with data sources from journals from the last five years and books from the last ten years that are relevant. The research results show that the concept of sharia management emphasizes the management of organizations based on Islamic ethical principles, which are reflected in all managerial functions such as planning, organizing, directing, and controlling. These findings affirm that the implementation of sharia management strengthens the organization's orientation towards ethics, transparency, and social responsibility, as well as enhances stakeholder trust and the organization's reputation. The Sharia management model is considered adaptive and sustainable, in line with the needs of modern organizational governance.
PELUANG DAN TANTANGAN MODEL BISNIS SYARIAH DI ERA DIGITAL Alviansyah Fahrizatul Iman; Dewi Sartika; Salma Miranti; Tazila Erisyavanny; Muhammad Tegar; M. Alfa Razid; Reja Ahmad Patoni
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3307

Abstract

The sharia business model is a business system based on Islamic values such as justice, honesty, and social responsibility. In the digital era, this model has undergone significant transformation due to advances in information technology that have changed patterns of business interaction and transactions. Indonesia, as the country with the largest Muslim population, has great potential to develop a digital sharia economy, yet still faces several challenges such as low digital sharia literacy, unadaptive regulations, and limited human resources. This study uses a descriptive qualitative approach with the aim of identifying opportunities and challenges in developing sharia business models in the digital era. The results show that digitalization offers great potential for strengthening the sharia economy, but it must be supported by increased literacy, innovation-friendly regulations, and the development of competent human resources so that sharia businesses can grow sustainably and remain competitive in the digital age.
Efektivitas Sistem Manajemen Syariah dalam Pengelolaan Lembaga Keuangan Ustwatun Hasanah; Dewi Sartika; Resta Yuliansih; Bekhlul Idana; M. Roychan Fachri; Jefry; Muhammad Gheza
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3308

Abstract

The Sharia management system is a governance approach for financial institutions based on Islamic values that prohibit usury (interest), gharar (uncertainty), and maysir (speculation). This system encompasses not only the regulation of financial products but also holistic governance practices, including organizational structure, decision-making processes, supervision, and performance evaluation guided by Islamic principles. This article aims to analyze the effectiveness of Sharia management system implementation in managing Islamic financial institutions in Indonesia, including both banking and non-banking sectors. A qualitative approach and descriptive method are used to explore how principles such as justice, trustworthiness, consultation, and social responsibility are embedded in managerial practices. Findings reveal that effectiveness is largely influenced by three main factors: the consistent application of Sharia principles, the competency of human resources, and the presence of strong internal and external oversight mechanisms. Despite its potential to provide ethical and sustainable financial solutions, Sharia management faces challenges including legal dualism, limited innovative product development, and low public literacy on Islamic finance. Therefore, strategic efforts such as managerial training, incorporation of Sharia management in higher education curricula, and supportive public policies are essential to enhance the effectiveness and resilience of Islamic financial institutions in the long term.
Strategi Manajemen Keuangan untuk Bisnis Startup David Yenaldi; Dewi Sartika; Tri Yuli Astuti; Toha Bukhori Simatupang
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3310

Abstract

This research examines effective financial management strategies for startup Businesses, with a focus on the importance of proper financial planning and Management in supporting the success of new businesses in the competitive Digital economy era. The study in this research uses literature. The research Results show that an effective financial management strategy for startups Includes several key aspects, including: realistic and flexible financial planning, Strict cash flow management, diversification of funding sources, optimization Of capital structure, efficient cost control, as well as implementation of an Accounting system and accurate financial reporting. The research findings also Emphasize the importance of startups adopting an adaptive approach to Financial management, given the rapidly changing market dynamics. Strategies Such as bootstrapping, lean startup methodology, and the use of financial Technology (fintech) to automate financial processes were found to be Effective practices in optimizing limited financial resource.
MANAJEMEN SUMBER DAYA MANUSIA DALAM LEMBAGA EKONOMI SYARIAH Anisa salsabila putri; Dewi Sartika; Zahara izzati; Adam damar putra
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3311

Abstract

Management is a branch of economics that plays an important role in the operational success of an organization or business. The application of business management can increase the effectiveness and efficiency of business or organizational resources to better achieve business goals or visions. Islam is a belief that is generally held by indonesian citizens and colors every aspect of the lives of its people, both in terms of belief, politics, social, and economic. As a result, employess are only objects of the company and not active paticipants in the development of the company where islamic HR management is implemented, then employess will become a subject of a company so that they can play an active role in the development of the company. The islamic economic system in managing HR is based on harmony or balance between material needs and human morals. The islamic economic system does not forget its main characteristic, namely human progress, depending on the degree of coordination and harmony between moral and material aspects.
Optimalisasi Keuangan Perusahaan Melalui Sistem Manajemen Keuangan Sherlyna Masaylina; Dewi Sartika; Hatifa Nadila; Suria
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3312

Abstract

Having a strong grasp on financial management is essential for the success of any organization. This paper thoroughly Examines financial management as a complex system of interconnected processes that necessitate collaboration among Investors, creditors, and managers. The report explores the role of financial management within an organization and its Impact on achieving economic optimization. Based on thorough research, this review paper highlights the key components Of effective financial management: planning, budgeting, forecasting, and monitoring. The text highlights the significance of Effective communication and collaboration among all stakeholders in financial decision-making. Through careful Monitoring of financial performance, financial management ensures that an organization optimizes its available resources.
PERAN PEMASARAN DIGITAL DALAM MENGEMBANGKAN BISNIS SYARIAH Dihan Rhofhatunnnisa; Dewi Sartika; Kristina Selvi; Ahmad Rafi Anhar
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3317

Abstract

Current developments and business complexity encourage companies to manage customer relationships and increase competitiveness through digital marketing in line with sharia business development. This research explores the role of digital marketing in sharia business in the digital era, with the aim of understanding marketing dynamics, focusing on the implementation of sharia business, and its impact on consumer trust. The research method uses a descriptive qualitative approach with literature study. The research results show that platforms such as YouTube, Facebook, and Instagram have a big impact on increasing visibility and reaching a wide audience. The implementationof sharia business brings the values of justice, transparency and integrity in marketing, creating a business environment that complies with sharia. The research conclusion confirms that digital marketing is effective for sharia business development if implemented according to Islamic principles, with success depending on the harmony of digital innovation, sharia business values, and compliance with Islamic ethics, which builds consumer trust and supports business growth in the digital era.

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