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Assets Journal
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assets.journalkita@gmail.com
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Karanganyar Paiton Probolinggo
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INDONESIA
Assets Journal
Published by Al-Qalam Institute
ISSN : 30217326     EISSN : 30217318     DOI : https://doi.org/10.61987/assets
Core Subject :
An electronic journal that focuses on scientific articles resulting from research or community service that examines problems and issues related to economics and business. This journal provides an academic platform for professionals and researchers to contribute to innovative work in the fields of economics and business follows: Economy and Management; 1) Development Economics 2) Islamic Economics 3) Accounting 4) Management Economics, and other fields. Business; 1) Marketing Economics 2) Digital Marketing and other business fields and aims to publish and disseminate writings in the economics and business sciences that can contribute to the development of science.
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Articles 35 Documents
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ANALYSIS OF THE IMPACT OF THE GULF WAR ON INDONESIA’S ECONOMIC STABILITY: IBN KHALDUN’S PERSPECTIVE Zakki Afin; Syaiful Anam
Assets Journal: Journal of Economic and Business Vol. 4 No. 2 (2026): MSME Assistance in Product Branding and Digital Marketing Development to Streng
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

This research aims to analyze the impact of the Gulf War on Indonesia's economic stability from the perspective of Ibn Khaldun's thought. The Gulf War is an international conflict that has a major impact on global economic conditions, especially on the international trade sector, world oil prices, inflation, and financial market stability. As part of the global economic system, Indonesia is also affected by this geopolitical instability. This research uses a qualitative approach with the type of library research. The data source is obtained from Ibn Khaldun's main work, namely Muqaddimah, as well as various previous journals, books, and research relevant to the Gulf War and Indonesia's economic stability. The data collection technique is carried out through a documentation study, while the data analysis technique uses a descriptive-analytical method. The results of the study show that the Gulf War had an impact on Indonesia's economic stability through the increase in world oil prices, increasing inflation, disruption of international trade, and fluctuations in the rupiah exchange rate. In Ibn Khaldun's perspective, conflicts and wars can lead to weakening economic activity, disruption of trade, and declining public welfare due to political and security instability. Ibn Khaldun's thoughts on the relationship between political stability and economic prosperity are still relevant to explain contemporary economic phenomena. This study concludes that international geopolitical conflicts have a great influence on national economic stability. Therefore, it is necessary to strengthen domestic economic resilience, political stability, and government policies oriented towards the welfare of the people in facing the impact of the global crisis.
IMPLEMENTATION OF CONTRACTS IN ONLINE BUYING AND SELLING TRANSACTION ON TIKTOK SHOP FIQH MUAMALAH PERSPECTIVE Muhammad Basri; Sri Yuniati
Assets Journal: Journal of Economic and Business Vol. 4 No. 2 (2026): MSME Assistance in Product Branding and Digital Marketing Development to Streng
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

The development of the digital economy has driven transformation in buying and selling practices, one of which is through the TikTok Shop platform which integrates social media and e-commerce. This study aims to analyze the implementation of contracts in online buying and selling transactions on TikTok Shop and assess its suitability with the principles of fiqh muamalah. This research uses a qualitative approach with the type of library research, with data sources in the form of fiqh muamalah literature, scientific journals, and documents related to digital transaction mechanisms. The data analysis technique is carried out through the content analysis method and the descriptive-analytical approach. The results of the study show that the implementation of the contract in TikTok Shop has basically met the principles and requirements of the contract, even though it has undergone transformation in the form of ijab and qabul which is carried out digitally. However, there are several aspects that still need attention, such as the potential for gharar due to the lack of clarity of product information, affiliate marketing practices that have the potential to contain elements of tadlis, and payment systems that resemble salam contracts but do not fully meet the principle of clarity. In addition, the consumer protection mechanism has reflected the concept of khiyar rights, but its implementation has not been optimal. This study concludes that the practice of buying and selling on TikTok Shop can be categorized as muamalah that is allowed as long as it meets sharia principles, such as honesty, transparency, and fairness. Therefore, it is necessary to increase awareness and responsibility from all parties so that digital transactions can run in accordance with the values of fiqh muamalah. This research is expected to contribute to the development of sharia economic studies, especially in responding to the dynamics of the contemporary digital economy.
ANALYSIS OF GENERATION Z’S BEHAVIOR IN USING SHARIA FINTECH IN THE DIGITAL ERA Surotul Lubna; Kuni Badriatul
Assets Journal: Journal of Economic and Business Vol. 4 No. 2 (2026): MSME Assistance in Product Branding and Digital Marketing Development to Streng
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

The rapid development of digital technology has transformed the financial services industry and encouraged the emergence of Islamic Financial Technology (Islamic Fintech) as an innovative solution for providing Sharia-compliant financial services. As digital natives, Generation Z has become one of the most influential consumer groups in adopting digital financial services due to their high level of technological literacy and frequent engagement with digital platforms. However, despite the growing popularity of fintech, the adoption of Islamic fintech among Generation Z remains relatively limited compared to conventional fintech services. Therefore, this study aims to analyze the behavior of Generation Z in using Islamic fintech in the digital era by examining the influence of perceived usefulness, perceived ease of use, Islamic financial literacy, religiosity, and social influence. This study employs a quantitative research approach using a survey method. Data were collected through questionnaires distributed to Generation Z respondents who are familiar with or have experience using Islamic fintech services. The collected data were analyzed using descriptive and inferential statistical techniques to identify the factors influencing the adoption of Islamic fintech. The findings indicate that perceived usefulness and perceived ease of use significantly influence Generation Z’s intention to adopt Islamic fintech services. In addition, Islamic financial literacy plays an important role in increasing awareness and understanding of Sharia-compliant financial products. Religiosity also positively affects users’ preferences for Islamic fintech, while social influence from family, peers, and social media contributes to shaping adoption behavior. These findings suggest that the adoption of Islamic fintech among Generation Z is influenced by a combination of technological, educational, religious, and social factors.   The study concludes that enhancing Islamic financial literacy, improving service quality, and strengthening public awareness of Sharia-compliant digital financial services are essential strategies for increasing Islamic fintech adoption among Generation Z. The findings are expected to contribute to the development of Islamic fintech and support the growth of the Islamic digital economy in Indonesia.
BLUE ECONOMY IN THE PERSPECTIVE OF ISLAM ECONOMICS: A CONSEPTUAL AND IMPLEMENTATIONAL STUDY Indah Novita Sari; Sitti Aisyah
Assets Journal: Journal of Economic and Business Vol. 4 No. 2 (2026): MSME Assistance in Product Branding and Digital Marketing Development to Streng
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

The Blue Economy has emerged as a global framework for promoting sustainable utilization of marine and ocean resources to support economic growth, environmental preservation, and social welfare. However, the framework is often criticized for its limited ethical foundation, as it is largely driven by technocratic and economic considerations. In contrast, Islamic economics offers a comprehensive value-based system rooted in the principles of tawhid (oneness of God), khalifah (stewardship), amanah (trust), justice (‘adl), and maslahah (public welfare). This study aims to analyze the Blue Economy from the perspective of Islamic economics by examining its conceptual compatibility and potential implementation within an Islamic ethical framework. This research employs a qualitative approach using library research methods. Data are collected from secondary sources, including academic journals, books, and reports from international organizations such as the United Nations Environment Programme (UNEP), the World Bank, and the Food and Agriculture Organization (FAO). The data are analyzed using descriptive-analytical and content analysis techniques to identify the convergence between Blue Economy principles and Islamic economic values. The findings show that there is a strong conceptual alignment between the Blue Economy and Islamic economics, particularly in terms of sustainability, environmental stewardship, and intergenerational justice. The principle of mizan (balance) in Islam closely corresponds with ecological sustainability in the Blue Economy. Furthermore, maqasid al-shariah provides an ethical foundation for evaluating marine economic activities, ensuring the protection of life, wealth, and environmental integrity. The study also finds that Islamic financial instruments such as zakat, waqf, and sukuk can be utilized to support the implementation of sustainable marine development. In conclusion, the integration of the Blue Economy and Islamic economics offers a holistic framework that combines economic efficiency, environmental sustainability, and moral responsibility. This integrated approach is particularly relevant for Muslim-majority countries such as Indonesia, which possess vast marine resources and a strong Islamic value system.
THE INFLUENCE OF SHARIA FINANCIAL LITERACY ON INTERST IN USING SHARIA DIGITAL WALLETS Bella Findayani; Hawiwin Fitriah
Assets Journal: Journal of Economic and Business Vol. 4 No. 2 (2026): MSME Assistance in Product Branding and Digital Marketing Development to Streng
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

The rapid development of digital technology has transformed the financial services sector and accelerated the adoption of digital payment systems worldwide. One of the most significant innovations in this field is the digital wallet, which enables users to conduct financial transactions quickly, efficiently, and conveniently through mobile applications. Along with the growth of the digital economy, Sharia digital wallets have emerged as an alternative payment solution that integrates technological innovation with Islamic financial principles. Despite the increasing availability of Sharia-compliant digital payment services, their adoption remains relatively limited compared to conventional digital wallets. One factor that may influence consumers’ willingness to use Sharia digital wallets is the level of Islamic financial literacy. Therefore, this study aims to analyze the effect of Islamic financial literacy on consumers’ interest in using Sharia digital wallets. This study employs a quantitative research approach using a survey method. The research population consists of Muslim consumers who are familiar with digital payment services, while the sample is selected through purposive sampling techniques. Primary data are collected through questionnaires distributed online and measured using a five-point Likert scale. The collected data are analyzed using descriptive statistics and simple linear regression to examine the relationship between Islamic financial literacy and consumers’ interest in using Sharia digital wallets. The findings indicate that Islamic financial literacy has a positive and significant effect on consumers’ interest in using Sharia digital wallets. Consumers with a higher understanding of Islamic financial principles, including the prohibition of riba, gharar, and maysir, tend to demonstrate stronger intentions to adopt Sharia-compliant digital payment service.

Page 4 of 4 | Total Record : 35

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