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Al-Iqtishad
Published by Universitas Al-Qur'an Ittifaqiah Indralaya
ISSN : -     EISSN : 27747352     DOI : https://doi.org/10.53649/al-iqtishad
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Al-Iqtishad: Jurnal Ekonomi Syariah aims to promote and disseminate high-quality scholarly research in the field of Islamic economics, finance, and related disciplines. The journal serves as an academic platform for researchers, lecturers, practitioners, policymakers, and students to contribute to the development of Islamic economic thought and practice at national, regional, and international levels.
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Articles 80 Documents
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PENGARUH PEMBIAYAAN MUDHARABAH, MUROBAHAH, DAN MUSYARAKAH TERHADAP PERTUMBUHAN ASET BANK SYARIAH DI INDONESIA Muhammad Ridwan Hidayat; M. Akmal Arrahman; Muhammad Akmal Abdurrahman
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1466

Abstract

This research endeavors to scrutinize how mudharabah, murabahah, and musyarakah funding influence the increase in assets held by Islamic banks operating in Indonesia, employing the Autoregressive Distributed Lag (ARDL) methodology. Temporal data was dissected utilizing assessments of stationarity, cointegration tests via Bounds Test, alongside short-term and long-term projections. The outcomes reveal a cointegrated connection linking Islamic financial arrangements with the expansion of Islamic banking assets. When considering the immediate future, mudharabah funding notably impacts asset expansion, contrasting with murabahah and musyarakah, which do not exhibit notable effects. Looking at the extended horizon, murabahah funding is shown to have a favorable and substantial effect on the upswing of assets within Islamic banks, whereas both mudharabah and musyarakah indicate a positive yet non-substantial influence. These discoveries substantiate the ongoing prevalence of murabahah as the principal mechanism fueling the advancement of Islamic banks' asset portfolios throughout Indonesia.
JUAL BELI PADI DENGAN SISTEM HARGA URIP DALAM PERSPEKTIF EKONOMI ISLAM DI DESA TANJUNG TIGA Nia Andria Erzah; Witry Octasari Aritonang; Srinanti
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1534

Abstract

The life-price system (harga urip) refers to a pricing mechanism in which the price is not determined at the time of contract but is adjusted later based on the highest market price. This practice has long been accepted as a local custom (???urf). This study aims to analyze the practice of rice trading using the harga urip pricing system implemented by the community of Tanjung Tiga Village, Rantau Bayur District, Banyuasin Regency, and to examine its conformity with Islamic economic principles, particularly regarding contractual clarity and transactional justice. The research employs a qualitative method with a case study approach. Data were collected through field observations, semi-structured interviews with rice farmers and purchasing agents, and relevant documentation. Data analysis was conducted through data reduction, data display, and conclusion drawing, supported by triangulation techniques to ensure data validity. The findings indicate that the rice trading practice under the harga urip system generally fulfills the pillars of sale (rukun al-bay???), including the presence of contracting parties, a clear object of transaction, and mutual agreement. However, in terms of the legal conditions of sale, several issues were identified, particularly the uncertainty of price and payment timing, which may lead to elements of gharar. In some cases, such uncertainty resulted in actual losses for farmers, while in other cases the system functioned fairly due to strong trust and moral commitment between parties. Therefore, the harga urip system cannot be categorically deemed unlawful, but it requires clearer contractual arrangements to align with the principles of justice and the objectives of Islamic law (maqashid al-shariah).
INTEGRATED BUSINESS MODEL FOR PESANTREN ECONOMIC INDEPENDENCE: CASE STUDY OF IDRISIYYAH ISLAMIC BOARDING SCHOOL TASIKMALAYA Rivstia Fauziah Hafiya Syafrudin
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1535

Abstract

Islamic boarding schools (pesantren) in Indonesia face significant academic and practical challenges regarding financial constraints that limit their institutional sustainability and social empowerment functions. Many institutions remain heavily dependent on external funding, creating a vulnerability that hinders their long-term educational mission. This study explores an Integrated Pesantren Business Ecosystem (IPBE) as a strategic framework for achieving economic independence, using Pondok Pesantren Idrisiyyah in Tasikmalaya as a case study. Applying a qualitative instrumental case study design, data were obtained from 12 key informants including leaders and business managers, 120 hours of participatory observation across five business units, and document analysis of financial reports from 2020 to 2024. Findings indicate that Idrisiyyah developed a synergistic ecosystem consisting of five integrated enterprises???QiniMart, Sawung Penyawah and Qini Minang, Qini Fashion, and Qini Fresh???which successfully reduced dependency on external funding from 78% in 2020 to 34% in 2024. Concurrently, internal business revenue increased from 22% to 66%. Success was driven by the strict implementation of Islamic economic principles, professional management across 23 operational linkages, and the integration of entrepreneurship education for 156 students. In conclusion, the study offers theoretical and practical contributions by extending social entrepreneurship and resource-based view theories within an Islamic institutional context. It proposes a replicable framework for pesantren economic independence and community-based empowerment, demonstrating that a professional business ecosystem can coexist with traditional religious education to ensure institutional autonomy. Keywords: Economic Independence, Integrated Business Model, Islamic Boarding School, Idrisiyyah Pesantren, Social Entrepreneurship.
PENGARUH PEMBIAYAAN ULTRA MIKRO SYARIAH TERHADAP KESEJAHTERAAN NASABAH PADA PNM MEKAAR SYARIAH DI DESA TANJUNG LAUT Mayang Sari; Itsnaini Chusnul Khotimah; Hidayani
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1544

Abstract

This study was conducted to determine financing in improving customer welfare at PNM Mekaar Syariah in Tajung Laut Village. The purpose of this study is to understand the effectiveness of financing in helping customers improve their welfare at PNM Mekaar in Tanjung Laut Village. This study employs a quantitative approach, which is a field research type, as it gathers information through direct observation in the field and data management. The types of data used in this study are primary data and secondary data, while the data sources in this study were obtained from the results of observations, questionnaires and documentation directly to customers. Data analysis techniques were carried out using instrument tests, classical assumption tests and simple linear regression analysis tests.The results of this study indicate that customer income increased after taking financing from PNM Mekaar Syariah in Tanjung Laut Village, because PNM provides various services that help customers develop their businesses. The expenses of customers who take financing at PNM have also been met, including food and non-food expenses. Financing from PNM Mekaar Syariah in Tanjung Laut Village has not been fully able to improve the level of family education, because one of the customers has not met the educational needs of one of his children. The health level of the customer's family has been improved through this financing, as evidenced by a healthy lifestyle, routine check-ups, and the purchase of health products. PNM has also improved the welfare of financing customers in terms of housing conditions and facilities owned in the household, this is supported by the results of distributing questionnaires directly to customers.
PENGARUH TINGKAT INFLASI TERHADAP KINERJA SAHAM SYARIAH JAKARTA ISLAMIC INDEX (JII) DI BURSA EFEK INDONESIA Nur Khayati Utami Setianingrum; Novita Sari; Retno Indri Yustika
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1553

Abstract

Inflation is one of the key macroeconomic indicators that plays an important role in influencing economic stability and capital market performance, including the Islamic capital market. The Jakarta Islamic Index (JII), as a leading Islamic stock index in Indonesia, is not immune to the effects of inflation dynamics. This study aims to analyze the effect of inflation on the performance of Islamic stocks listed in the Jakarta Islamic Index (JII) at the Indonesia Stock Exchange. This study employs a quantitative approach using simple linear regression analysis. The data used are secondary data consisting of inflation rates and JII closing prices for the period 2020???2024, obtained from the Central Statistics Agency (BPS) and the Indonesia Stock Exchange (IDX). Data analysis was conducted using SPSS through classical assumption tests, regression analysis, t-tests, and coefficient of determination analysis. The results indicate that inflation has a positive and significant effect on the performance of Islamic stocks in the Jakarta Islamic Index (JII). This is evidenced by a significance value of 0.004, which is lower than the 0.05 significance level. The coefficient of determination (R??) of 0.135 shows that inflation explains 13.5% of the variation in JII stock performance, while the remaining variation is influenced by other factors outside the model. Thus, it can be concluded that inflation is one of the macroeconomic factors affecting Islamic stock performance, although its overall influence remains relatively limited
Analisis Mekanisme Pasar Perspektif Ibnu Khaldun dan Ibnu Taimiyah Serta Relevansinya Terhadap Ekonomi Modern   Tiara Ainun; Ayla Nafisa Salsabila; Lia Hayatun Nufus; Fiza Aulia Salwa; Nurroisul Haq; Naufal Luthfi Alifa
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2026): Al-Iqtishad: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i2.2085

Abstract

Ideally, market mechanisms are expected to promote efficiency and equitable distribution; however, contemporary economies continue to face challenges such as monopolistic practices and economic inequality. This study aims to examine the concepts of market mechanisms proposed by Ibn Khaldun and Ibn Taymiyyah, compare their economic perspectives, and explore their relevance to the contemporary economic system. The study employs a qualitative descriptive approach through a literature review of academic sources published between 2020 and 2025. The findings reveal that the economic thought of both scholars remains highly relevant, as it integrates market mechanisms with the principles of justice, ethics, and government oversight. Ibn Khaldun viewed the market as a natural system driven by supply, demand, and social stability, whereas Ibn Taymiyyah emphasized ethical conduct and the regulatory role of the state in ensuring market justice. Their ideas offer valuable insights for addressing modern economic challenges, including monopoly, distributive inequality, and the pursuit of the Sustainable Development Goals (SDGs) through the promotion of justice, social welfare, and sustainable development.
Peran Teknologi Blockchain dalam Pengembangan Financial Technology (FinTech) dan Penguatan Ekonomi Syariah di Era Masyarakat Digital Hilwa Fitri Millenia; Sayu Mainingsih; Rofiqoh Rofiqoh
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2026): Al-Iqtishad: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i2.2152

Abstract

This study aims to analyze the role of blockchain technology in the development of financial technology (fintech) and its implications for digital society from the perspective of Islamic economics. The research employs a library research method with a descriptive qualitative approach through the analysis of various scientific literature, financial institution reports, and regulations related to blockchain and fintech. The findings indicate that blockchain technology has significant potential to enhance the efficiency, transparency, security, and accountability of digital financial transactions. Furthermore, blockchain can support the development of Islamic financial instruments such as sukuk, zakat, waqf, and takaful through smart contract mechanisms. However, the implementation of blockchain in Indonesia still faces several challenges, including regulatory issues, public digital literacy, cybersecurity concerns, and differing scholarly opinions regarding the use of crypto assets. This study concludes that blockchain has the potential to become a strategic technology in supporting digital economic transformation and strengthening the Islamic financial ecosystem, provided that it is supported by clear regulations and improved public literacy.
Integrasi Halalan Thayyibah dalam Ekonomi Syariah: Dialektika Tafsir Klasik Al-Qurthubi dan Modern Wahbah Az-Zuhaili Khozinul Alim
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2026): Al-Iqtishad: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i2.2089

Abstract

Praktik ekonomi syariah kontemporer kerap terfokus pada legalitas formal halal tanpa menyentuh substansi thayyib (kualitas, keadilan, keberlanjutan). Penelitian ini menganalisis integrasi prinsip halalan thayyiban melalui studi komparatif tafsir klasik Imam Al-Qurthubi (Al-Jami’ li Ahkam Al-Qur’an) dan tafsir modern Wahbah az-Zuhaili (Tafsir Al-Munir), dengan fokus tunggal pada QS. Al-Baqarah: 168. Menggunakan metode kualitatif studi pustaka dan penafsiran tematik dengan kerangka maqasid al-shariah, temuan mengungkapkan bahwa Al-Qurthubi menafsirkan thayyib secara sempit sebagai kebersihan legal dan kehalalan cara perolehan, dengan menetapkan enam syarat harta halal. Sementara Wahbah az-Zuhaili memperluas thayyib mencakup kesehatan, kenikmatan, dan dimensi spiritual, serta menganalisis secara mendalam larangan su’ (keburukan), fahsha’ (kekejian), dan perkataan dusta tentang Allah. Sintesis kedua perspektif menghasilkan lima indikator thayyib: legal halal, kesehatan-keselamatan, keadilan sosial, keberlanjutan lingkungan, dan pemberdayaan. Integrasi ini mengalihkan paradigma ekonomi dari kepatuhan formal menuju pembangunan berbasis moralitas dan kemaslahatan.
Pesantren as a Foundation for Sharia Financial Literacy: A Historical Review and the Character Education of Santri Zainuddin Zainuddin; Desi Arisandy; Muhammad Muttaqin
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2026): Al-Iqtishad: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i2.2263

Abstract

The growth of national sharia financial assets has not been matched by a corresponding rise in public financial literacy, which has repeatedly led policymakers and scholars to position Islamic boarding schools (pesantren) as a strategic channel for sharia financial education, even though the reasons behind their apparent receptivity have rarely been examined in depth. This study employs a narrative literature review of openly accessible sources, including indexed journal articles, community-service reports, and official releases from regulatory authorities, which are mapped onto three layers of argument: historical, character education, and empirical evidence. The findings indicate that pesantren have practised economic self-reliance since the era of the Wali Songo, that dormitory life shapes santri's mental readiness in ways that align with the principles of muamalah, and that various sharia financial literacy programmes prove more effective when participatory and applied rather than delivered as one-way lectures. A synthesis of these three layers shows that programme effectiveness is not merely a function of content, but the outcome of an interaction between that content and the pesantren's long-standing socio-cultural structure, one already familiar with honesty, responsibility, and self-reliance
Digital Gold dan Kepatuhan Syariah: Telaah Fatwa DSN-MUI, Regulasi, dan Praktik di Indonesia Mita Sasmira
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2026): Al-Iqtishad: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i2.2269

Abstract

Perkembangan teknologi keuangan mendorong munculnya layanan emas digital. Sebagai barang ribawi, transaksi emas wajib memenuhi ketentuan syariah. Penelitian kualitatif dengan metode studi kepustakaan dan wawancara ini bertujuan menganalisis layanan emas digital (digital gold) berdasarkan Fatwa DSN-MUI dan regulasi keuangan di Indonesia untuk menilai tingkat kesesuaiannya dengan prinsip-prinsip keuangan syariah. Sumber data mencakup Al-Qur'an, hadis, fatwa DSN-MUI, regulasi OJK dan Bappebti, serta literatur relevan. Hasil penelitian menunjukkan emas digital sesuai syariah jika didukung kepemilikan fisik yang nyata, akad yang jelas, dan penerapan qabd hukmi yang sah. Potensi gharar, riba, dan maysir muncul jika terjadi ketidakjelasan kepemilikan atau transaksi spekulatif. Tren kenaikan harga emas periode 2021–2026 menegaskan tingginya minat investasi masyarakat. Kesimpulannya, emas digital berpotensi besar mendukung perkembangan keuangan syariah di Indonesia jika dijalankan sesuai regulasi dan prinsip syariah.

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