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Jurnal Riset Ekonomi dan Keuangan Syariah
Published by Yayasan Literasi Emas Nusantara
ISSN : -     EISSN : 30891698     DOI : 10.67551
Core Subject :
Jurnal Riset Ekonomi dan Keuangan Syariah (REKSY) berfokus pada penerbitan artikel dalam semua aspek penelitian, masalah, dan perkembangan terbaru di bidang Ilmu Ekonomi dan Keuangan Syariah. Jurnal ini berkaitan dengan aspek apapun dari Ekonomi dan Syariah, tidak terbatas pada topik berikut: berbagai perspektif Ekonomi Pembangunan, Ekonomi Sumber Daya, Ekonomi Sumber Kelautan, Ekonomi Terapan, Ekonomi Koperasi, Ekonomi Kependudukan dan Ketenagakerjaan, Ekonomi Terapan, Pembangunan Ekonomi, Kewilayaan, Keuangan Publik, Keuangan Perbankan, Keuangan Mikro, Keuangan Islam dan tema lain yang relevan. Reksy Subject: Ilmu Ekonomi, Ekonometrika dan Keuangan Syariah (semua kategori) - Keuangan
Arjuna Subject : -
Articles 30 Documents
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Keseimbangan Pasar: Peran Permintaan dan Penawaran dalam Menentukan Harga Cabai Merah Cesya Azzahra Harahap; Angela Harefa; Bobby Arifin; Christiano Purba; Graciella Yosephine
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 1 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah Januari 2025
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This research aims to analyze the role of market supply and demand which can influence the selling price of one of the hottest agricultural commodities, namely red chilies. As we know, the red chili market will not die, whether it is households or the food industry, everyone will more or less need red chilies as an ingredient in their cooking. This research applies data collection methods as well as case studies to find out what factors influence the determination of selling prices
IMPLEMENTASI PEMBIAYAAN KREDIT USAHA RAKYAT (KUR) MIKRO SYARIAH PADA BANK SYARIAH INDONESIA KC CIREBON DR CIPTO MANGUNKUSUMO Salsa Sabilah; Jefik Zulfikar Hafizd
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 1 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah Januari 2025
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Usaha Mikro merupakan pemeran utama dalam kegiatan ekonomi di Indonesia, permasalahan atau keterbatasan yang sering dihadapi usaha mikro yaitu, kualitas sumber daya manusia yang rendah, produktivitas dan kualitas produk yang rendah, minimnya penguasaan ilmu pengetahuan dan teknologi, serta keterbatasan modal kerja atau sumber pembiayaan. Artikel ini bertujuan untuk mengetahui lebih dalam mengenai implementasi pembiayaan Kredit Usaha Rakyat (KUR) mikro syariah pada Bank Syariah Indonesia KC Cirebon Dr Cipto. Metode yang digunakan dalam penelitian ini adalah kualitatif dengan teknik pengumpulan data yaitu observasi, wawancara, dan dokumentasi. Jurnal ini menyimpulkan tiga hal, yaitu pertama, terdapat beberapa produk pembiayaan Kredit Usaha Rakyat (KUR) mikro pada Bank Syariah Indonesia KC Cirebon Dr Cipto diantaranya: BSI KUR Super Mikro, BSI KUR Mikro, dan BSI KUR Kecil. Kedua, dalam pengimplementasiannya akad yang di terapkan dalam pembiayaan KUR mikro di BSI KC Cirebon Dr Cipto yaitu akad murabahah bil wakalah. Adapun bagi hasil yang diterapkan dalam pembiayaan KUR mikro saat ini ada 4 kategori, yaitu; untuk nasabah yang belum sama sekali mendapatkan pinjaman dari pemerintah 6%, untuk nasabah pinjaman ke dua 7%, untuk pinjaman ke tiga 8%, untuk pinjaman ke empat 9%. Ketiga, terdapat beberapa alur yang akan dilaksanakan hingga pencairan diantaranya: tahap pengajuan pembiayaan, tahap BI checking, tahap survei, tahap analisis pembiayaan terhadap informasi hasil survei yang lebih kompleks, tahap pemberian putusan pembiayaan, dan tahap pencairan.
Perkembangan Koperasi Sebagai Penggerak Pertumbuhan UMKM di Indonesia Rani Nurani; Rani Rosidah
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah: Mei 2025
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Cooperatives in Indonesia have a very large contribution in increasing MSMEs in Indonesia. Behind the excellent development of MEMEs, there are still around 70% of MSMEs constrained by capital aspects. This study aims to determine the development of cooperatives in supporting the growth of MSMEs in Indonesia. The method used in this research is descriptive with a qualitative approach with data collection techniques carried out by searching and compiling information from various source, such as books, journal, and research that has been done before. The result of this research show that the development of cooveratives makes a very important contribution in supporting the growth of MSMEs in Indonesia through funding that makes ie easier for people to run a business. Furthermore, this research is expected to be able to increase the role of cooperatives as a driver of the progress of MSMEs in Indonesia.
Strategi Pengembangan Usaha Mikro Kecil Dan Menengah(UMKM) Untuk Meningkatkan Perekonomian Masyarakat Di Kecamatan Tanjunganom Jessi Charina Sembiring; Moch Ruba’I Sabil
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah: Mei 2025
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Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in supporting local and national economic growth. This study aims to analyze the MSME development strategy in order to improve the community's economy in Tanjunganom District, Nganjuk Regency. The method used involves a qualitative approach with interview techniques, observation, and document analysis. The results of the study indicate that the main challenges faced by MSMEs in this area include limited access to capital, low managerial skills, and lack of technology utilization. The proposed strategies include: (1) increasing access to financing through partnerships with financial institutions; (2) digital-based management and marketing training; (3) strengthening collaboration between the government, business actors, and local communities; and (4) optimizing the use of e-commerce platforms to expand market reach. The implementation of this strategy is expected to increase the competitiveness of MSMEs, open up new jobs, and encourage economic growth in the community in Tanjunganom District, Nganjuk Regency
Strategi Peningkatan Promosi Umkm Kota Pangkalpinang Dengan Memanfaatkan Digital Marketing Jessi Charina Sembiring; Tiara Regina
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah: Mei 2025
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The development of digital technology has opened up great opportunities for the business world, including micro, small, and medium enterprises (MSMEs) in Pangkalpinang City. This study aims to analyze the challenges and opportunities faced by MSMEs in utilizing digital technology for product promotion, as well as strategies that can be implemented to improve business competitiveness and sustainability. The research method used is a qualitative approach with a literature review and exploration of internet-based data sources. Data were collected through literature studies and digital content analysis, then analyzed qualitatively to identify the best challenges, opportunities, and strategies. The results of the study show that the main challenges include limited access and understanding of digital technology, as well as consumer trust issues in online transactions. However, MSMEs have great opportunities in utilizing social media, e-commerce, and data analytics to expand the market and build closer relationships with consumers. In conclusion, to optimize the use of digital technology, MSMEs in Pangkalpinang City need to develop innovative digital marketing strategies and build a good reputation to increase consumer trust.
Penerapan Akad Musyarakah Pada Perbankan Syariah Di Indonesia ARSYAF TAMPUBOLON; Sri Sudiarti; Marliyah
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah: Mei 2025
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This study aims to analyze the implementation of the musyarakah contract in Islamic banking in Indonesia, focusing on its challenges, execution mechanisms, and development opportunities. The research method employed is library research and closed observation, utilizing literature, articles, and practices from several national Islamic banks. The results indicate that although musyarakah has significant potential in supporting fair and inclusive financing, its proportion remains substantially lower compared to other contracts such as murabahah. Key obstacles include administrative complexity, high business risks, low public understanding of the profit-sharing principle, and weak monitoring systems for funded businesses. The findings further reveal that musyarakah contracts are highly effective in fostering the growth of productive sectors, particularly in financing MSMEs and property projects, thereby enhancing Islamic financial inclusion. However, successful implementation requires intensive educational strategies, strengthened internal supervision, and product innovation, such as the development of musyarakah mutanaqisah and hybrid schemes. With innovative adaptations to market needs and strong regulatory support, musyarakah is expected to become a key instrument in strengthening a sustainable and inclusive Islamic economic ecosystem at the national level.
PENERAPAN ETIKA BISNIS ISLAM DALAM INDUSTRI PERTAMBANGAN: Efek Korupsi PT Timah dalam Keberlangsungan Anggaran Negara Aeni Nurul; Salis Azkia; Lina Marlina
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah: Mei 2025
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This study aims to analyze violations of business ethics and the role of maqasid sharia in the PT Timah corruption case. This study uses a descriptive qualitative approach based on literature study. Data were collected through a search of relevant literature, including the Qur'an, hadith, scientific books, journals, articles, and news related to the PT Timah case. In the period from 2015 to 2022, PT Timah has committed criminal acts of corruption with state losses reaching 300 trillion rupiah. This study emphasizes the importance of implementing business ethics and the principles of maqasid sharia in corporate governance to prevent corruption and maintain sustainability. PT Timah and other companies need to improve transparency, fairness, and social responsibility in order to create healthy governance. This research is valuable because it provides a new perspective in analyzing the PT Timah corruption case using a maqasid sharia approach. This approach highlights the damage not only economically, but also to morals, justice and the sustainability of natural resource management.
Implementasi Prinsip Syariah dalam Investasi dan Pasar Modal di Indonesia: Problematika, Regulasi, dan Solusi Dwi Putra nur maulana; Rifki Amar Adikra; Taliyal Munaya; Jefik Zulfikar Hafizd
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah: Mei 2025
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This research aims to analyze the legal challenges in Islamic investments and the capital market, as well as to offer solutions based on Islamic legal perspectives and applicable regulations. The study uses a qualitative approach with a normative juridical method. The subjects of the research include the regulations of the Islamic capital market, the DSN-MUI fatwas, and relevant legal cases. Data were collected through a literature study and analyzed using a descriptive-analytical approach. The findings indicate that the primary challenges in Islamic investments and the capital market encompass the misalignment of regulations with Islamic principles, the lack of understanding among market players, and the limited effective dispute resolution mechanisms. The proposed solutions include harmonizing regulations, enhancing the Islamic legal literacy of investors, and strengthening the role of supervisory authorities. This study contributes academically by enriching the literature on Islamic investment law and providing recommendations for regulators and practitioners in increasing legal certainty in the Islamic capital market.
Analisis Interdisipliner Pemberdayaan UMKM: Ekonomi Islam sebagai Instrumen Spiritual, Sosiologi sebagai Instrumen Sosial Uji Fauziya; Putri Indah Cahyani; Yuminar Duha
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 3 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah: September 2025
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Penelitian ini menganalisis pemberdayaan Usaha Mikro, Kecil, dan Menengah (UMKM) menggunakan pendekatan interdisipliner yang menggabungkan prinsip-prinsip ekonomi syariah sebagai instrumen spiritual dan perspektif sosiologis sebagai instrumen sosial. UMKM berperan penting dalam perekonomian Indonesia, berkontribusi signifikan terhadap Produk Domestik Bruto (PDB) dan lapangan kerja. Namun, perkembangan mereka masih menghadapi tantangan seperti akses modal yang terbatas, literasi manajerial yang rendah, dan kesenjangan pasar. Prinsip-prinsip ekonomi Islam, seperti tauhid, keadilan ('adl), maslahat, ta'awun, dan keseimbangan (tawazun), berfungsi sebagai landasan moral yang mempromosikan praktik bisnis yang adil, transparan, dan berkelanjutan. Di sisi lain, perspektif sosiologis membantu memahami pola interaksi sosial, modal sosial, dan norma masyarakat yang mendukung solidaritas dan kolaborasi antar pelaku UKM. Sinergi antara instrumen spiritual dan sosial ini diharapkan dapat memperkuat strategi pemberdayaan UKM untuk meningkatkan kapasitas bisnis, menciptakan lapangan kerja, mengurangi ketimpangan, dan mendorong pertumbuhan ekonomi yang lebih inklusif dan merata.
Peran Harga dan Gaya Hidup Terhadap Minat Konsumen Dalam Berbelanja Pakaian Bekas (Thrifting) Pada Pasar Pangkajene Kabupaten Sidenreng Rappang Andi Putri Maharani Arifin; Hasmawati Hasmawati; Noerismayanti Noerismayanti
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2026): Jurnal Riset Ekonomi dan Keuangan Syariah: Januari 2026
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The phenomenon of purchasing second-hand clothing in traditional markets has emerged as an alternative consumption pattern driven by economic considerations, lifestyle preferences, and ethical values derived from Islamic economics. This study aims to analyze the influence of price and lifestyle on consumer purchase intention for second-hand clothing at Pangkajene Market, Sidenreng Rappang Regency, and to evaluate the compliance of such practices with Islamic economic principles. A qualitative descriptive approach was employed, combining semi-structured interviews with sellers and buyers, direct observation of market activities, and an extensive literature review to ensure data triangulation and validity. The findings reveal that price is a significant determinant of purchase intention, especially among lower to middle-income consumers, while the influence of lifestyle varies according to demographic and economic segmentation. Purchasing decisions are shaped not only by affordability and product quality but also by the perceived uniqueness and sustainability value of second-hand goods. The study further finds that market transactions largely adhere to Islamic economic principles, particularly honesty, fairness, and transparency, with sellers disclosing product conditions and engaging in voluntary price negotiations. This integration of empirical consumer behavior analysis with a normative Islamic framework highlights the relevance of ethical commerce in enhancing consumer trust and market sustainability. The implications suggest that competitive pricing strategies combined with ethical and sustainability narratives can strengthen market positioning and align with both economic and religious values. Future research could extend this work through quantitative testing across different regions and incorporate regulatory and environmental dimensions into consumer behavior models.

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