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Sofi Faiqotul Hikmah
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Jurnal Ekonomi Syariah Darussalam (Jesdar)
Published by Universitas KH. Mukhtar Syafaat
ISSN : -     EISSN : 27458407     DOI : https://doi.org/10.30739/jesdar.v7i2.5580
Core Subject :
Jurnal Ekonomi Syariah Darussalam (Jesdar) dikelola oleh Prodi Ekonomi Syariah Universitas KH. Mukhtar Syafaat Blokagung Banyuwangi. Sebagai jurnal elektronik, Jurnal Ekonomi Syariah Darussalam (Jesdar) menyediakan wadah untuk memublikasikan artikel penelitian orisinal, artikel tinjauan dari para kontributor, serta berita teknologi terkini yang berkaitan dengan ekonomi Islam. Cakupan jurnal ini meliputi artikel penelitian orisinal, artikel tinjauan, dan komunikasi singkat, yang mencakup bidang-bidang berikut: Akuntansi Syariah, Manajemen Bisnis Syariah, Manajemen Sumber Daya Manusia Syariah, Ekonomi Islam, Perbankan dan Keuangan Syariah, Manajemen Zakat dan Wakaf, Pasar Modal Syariah.
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Articles 127 Documents
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PENERAPAN AKAD IJARAH PADA BISNIS JASA PENYEWAAN ALAT PESTA DALAM PRESPEKTIF EKONOMI ISLAM KECAMATAN TEGALSARI, KABUPATEN BANYUWANGI Rufi’ah
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5197

Abstract

The purpose of this study is to determine the application of the ijarah contract in the party equipment rental service business in Tegalsari Village, Tegalsari District, Banyuwangi Regency. And to find out how the Islamic Economic perspective on the party equipment rental service business. This type of research is a qualitative case study with a single case design. The results of this study indicate that the application of this ijarah is ijarah 'amal, namely the provision of compensation for a job or expertise carried out by someone. The application of the ijarah contract in this business is not in accordance with the ijarah contract in terms of ujrah or costs because it still uses a down payment system at the beginning of the rental period and pays off the costs at the end of the rental period, if the rental of the party equipment is canceled then the down payment will be forfeited. Based on the research conducted, this study concludes that the implementation of the ijarah contract in the party equipment rental business, from an Islamic economic perspective, is appropriate. The ijarah contract, as practiced in the party equipment rental business, complies with Islamic law, with clear terms of work, form, timeframe, and price (ujrah), and the services being rented are considered permissible.
STRATEGI MARKETING DALAM MENINGKATKAN JUMLAH PELANGGAN: STUDI KASUS TOKO AUSATH GROSIR DARUSSALAM Agus Alfan Rosyid
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5200

Abstract

The objectives of this study are: 1) To determine how Toko Ausath Grosir Darussalam’s marketing strategies aim to increase the number of customers, 2) To determine the marketing strategies implemented at Toko Ausath Grosir Darussalam based on a SWOT analysis. In conducting the SWOT analysis, the author created an IFAS Matrix (Internal Factor Analysis Summary) and an EFAS Matrix (External Factor Analysis Summary). The IFAS Matrix was compiled based on the strengths and weaknesses of Toko Ausath Grosir Darussalam, while the EFAS Matrix was compiled based on the opportunities and threats facing Toko Ausath Grosir Darussalam. After determining the values of the IFAS and EFAS matrices, the next step is to assess the company’s position based on these values within the IE (Internal-External) matrix. The research findings indicate that the marketing strategies aimed at increasing customer numbers align with Sharia principles. This is evidenced by the annual revenue growth achieved by Ausath Grosir Store. In conclusion, the marketing strategy to increase the number of customers is in accordance with Sharia, both in concept and practice, by adhering to Sharia principles, which include belief in God, family values, trustworthiness, and conducting halal business.
STRATEGI MARKETING SYARIAH MELALUI MARKETPLACE LAZADA DALAM MENINGKATKAN PENJUALAN: (Studi Kasus Toko Aries Beauty Store Banyuwangi) Lutfiatur Rofi’ah; Sofi Faiqotul Hikmah
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5201

Abstract

The objectives of this study are To determine the Sharia Marketing Strategy at Aries Beauty Store. The data analiys technique used in this study is qualitative or descriptive data analysis.The result of this research is that Aries Beauty Store uses a marketing mix strategy (4p) including Product, Price, Place, and Promotion. In addition, it also uses sharia marketing strategis according to Kertajaya (2006) Rabbaniyah, Akhlaqiyah, Al-waqiiyah, and Al-insaniyah. There is a different in the theory af Al-waqiiyah that in theory there is no differentation, but Aries Beauty Store differentiates according to the target market according to the consumer’s budget. Research conucted in the field shows that store Aries Beauty Store uses the marketing mix theory in its marketing, namely Place, Price, Product, Promotion. For the marketing strategy of Sharia Shop Aries Beauty Store uses Shariah Marketing Strategy according to Kertajaya (2006) namely Rabbaniyah, Akhlaqiyah, Al-waqiiyah and Al-insaniyah. However, Al-waqiiyah has a difference between theory and field, so it can be concluded that the theory according to Kertajaya and the marketing strategy in the field does not match Al-waqiiyah theory.
REKONSTRUKSI KONSEP ECONOMIC VALUE OF TIME SEBAGAI ALTERNATIF TIME VALUE OF MONEY DALAM PEMBIAYAAN MURABAHAH Imelda Aisyah; Laily Hidayati Rosyidi
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5206

Abstract

The application of the Time Value of Money (TVM) concept in Murabahah financing within Islamic banking is often considered contradictory to Sharia principles due to the potential for usury (riba). This research aims to reconstruct the Economic Value of Time (EVT) concept as a paradigmatic alternative to TVM for determining Murabahah financing margins in Islamic banking. This study employs a systematic literature review with a descriptive qualitative approach, synthesizing literature that compares TVM and EVT within the context of contemporary fiqh muamalah (2021–2026). The literature review indicates that EVT shifts the basis of margin determination from time-based pricing to productivity-based pricing. The synthesis results demonstrate that the Murabahah margin should be calculated based on economic value-added and the projected velocity of money from the financed real sector, rather than based on time annuities as practiced in conventional credit. This is consistent with the DSN-MUI Fatwa No. 153/2022, which recognizes the "price of time" (hisshotan min al-tsaman) only within the framework of actual effort and real business risk, not merely the passage of time. The reconstruction of EVT encourages Islamic banks to transition from fixed return abstraction toward functional intermediation that actively monitors the performance of the customer's business. This not only strengthens Sharia compliance but also enhances the stability of the real financial sector.
STRATEGI MANAJEMEN RISIKO DAN TRANSPARANSI DALAM OPTIMALISASI PENGELOLAAN WAKAF UANG DIGITAL Ainur Rohmah; Nani Hanifah
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5207

Abstract

Digital cash waqf in Indonesia has great potential but low realization due to a public trust crisis caused by weak risk management and lack of transparency. This study aims to formulate a conceptual model integrating risk management and transparency strategies. Using a Systematic Literature Review (SLR) method based on PRISMA from 2020–2026 journals, five main risks were identified: operational, fund distribution, legal & sharia compliance, financial, and cyber. Mitigation strategies include diversification, cybersecurity, blockchain, regulatory compliance, and contingency planning. Transparency is implemented through three pillars: pre-transaction, transaction, and post-transaction. The integrated model of risk management, transparency, and good governance is key to optimization. The study concludes that optimizing digital cash waqf requires simultaneous integration supported by consistent regulation and improved digital literacy.
IMPLEMENTASI SMART CONTRACT DALAM TRANSAKSI KEUANGAN MIKRO ISLAM: ANALISIS KRITIS ATAS PARADIGMA SHARIAH COMPLIANCE BY DESIGN Rani Anjarwati; Lulud Wijayanti
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 1 (2026): Februari 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i1.5209

Abstract

This research aims to analyze the implementation of smart contracts in Islamic microfinance transactions thru the Shariah Compliance by Design paradigm, as well as to identify the opportunities and challenges of its application in the modern Shariah financial system. The research uses a qualitative method with a normative juridical approach and conceptual analysis. The research results show that blockchain-based smart contracts can enhance the efficiency, transparency, accountability, and security of transactions thru the automation of contracts and real-time data recording. In addition, the Shariah Compliance by Design paradigm serves as a preventive model that integrates Shariah principles from the system design stage, thereby minimizing the risk of Shariah violations. However, its implementation still faces challenges related to the validity of digital ijab kabul, the accommodation of elements of niyyah, ridha, and ijtihad, as well as the limitations of regulations governing the use of such technology. Therefore, synergy between regulators, scholars, Islamic finance practitioners, and technology experts is needed to realize an innovative, safe, and sustainable Islamic microfinance system. Keywords: Smart Contract, Design, and Shariah Compliance
ANALISIS POTENSI EKONOMI DAN RELEVANSI SYARIAH DALAM BISNIS LAHAN MAKAM PREMIUM Nurul Kharisma; Niswatun Hasanah
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 1 (2026): Februari 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i1.5211

Abstract

This study aims to analyze the compliance of Al-Azhar Memorial Garden's business practices in light of the MUI Fatwa Number 09 of 2014 concerning the Purchase and Sale of Graveyards, as well as its implications for socio-economic distributive justice. The research method employed is descriptive qualitative with a juridical-normative approach and an Islamic socio-economic approach. Data were collected through the documentation study of fatwa texts, waqf regulations, and publication data regarding the management of the research object. The results indicate that in terms of physical worship, Al-Azhar Memorial Garden has strived to comply with sharia provisions and the MUI Fatwa by maintaining the simplicity of the grave structure (grass lawns without grand monuments). However, from the perspective of muamalah and distributive justice, this high-tariff commercialization scheme potentially violates the principle of Hifzh al-Mal due to its proximity to israf (extravagance) and creates spatial exclusivity amidst the urban land emergency. This study recommends the optimization of productive waqf instruments as a cross-subsidy solution to achieve more inclusive and socially just burial access. Keywords: Cemetery Commercialization, MUI Fatwa, Maqashid Shariah
ANALISIS PENERAPAN AKAD MURABAHAH DAN WAKALAH BIL UJRAH PADA INVESTASI EMAS DIGITAL Milatun Nafiah; Ani Faujiah
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 2 (2025): Agustus 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i2.5218

Abstract

Digitalization of gold transactions triggers sharia compliance debates on ribawi commodities. This qualitative library research (2021–2026) aims to analyze the integration of murabahah and wakalah bil ujrah contracts, evaluate taqabudh hukmi fulfillment, and examine the implications of PSAK 102 on digital gold platforms. The results indicate that Murabahah and Wakalah bil Ujrah contracts integrate independently without ta'alluq, provided the platform offers physical withdrawal flexibility from the start. The taqabudh hukmi aspect is fulfilled through digital constructive possession (takhliyah) backed 100% by physical gold in the custodian vault to avoid fictitious sales (bai' ma'dum), weight precision, and a physical withdrawal option. Furthermore, PSAK 102 effectively acts as a sharia filter through real-time full disclosure of cost prices and profit margins. This study recommends refining the application's user interface to ensure user freedom of choice (ikhtiyar) and stresses the need for cross-sectoral regulatory harmonization for regular cyber technology audits.
DISTRIBUSI ZAKAT PRODUKTIF DALAM PERSPEKTIF MAQASHID SYARIAH KONTEMPORER: TINJAUAN PUSTAKA TENTANG EFEKTIVITAS PENGENTASAN KEMISKINAN Kamilatus Saidiyah; Mansur Mansur
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 1 (2026): Februari 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i1.5231

Abstract

This study aims to analyze the effectiveness of productive zakat distribution from the perspective of contemporary maqashid al-sharia through a literature review. The study employs a qualitative approach using library research and content analysis. The results show that the distribution of productive zakat contributes to increased income, the strengthening of microenterprises, and greater economic self-reliance among mustahik. However, the program’s effectiveness is significantly influenced by the quality of mentoring, business management capacity, the professionalism of zakat administrators, and a sustainable monitoring and evaluation system. From the perspective of contemporary maqashid al-sharia, productive zakat not only supports the preservation of the five fundamental objectives of sharia (maqashid al-sharia) but also realizes maslahah ‘ammah through improved welfare, social justice, and the transformation of mustahik into self-reliant individuals who may even become muzakki. This study concludes that the distribution of productive zakat will be more optimal if managed professionally through a business-cluster-based empowerment model, and evaluated using maqashid al-sharia-based indicators to ensure the achievement of poverty. Keywords: Productive zakat, Maqashid sharia, Poverty alleviation, Literature review.
MEMAHAMI PRODUK PEMBIAYAAN LEMBAGA KEUANGAN SYARIAH BERBASIS JUAL BELI ISTISHNA’ Moh Rifky Mubarok; Moh. Karim
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 1 (2026): Februari 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i1.5233

Abstract

With the rapid advancements in technology facilitating transactions, people have gained numerous conveniences in their shopping experiences. One prominent example is online retail, commonly referred to as e-commerce. As a result, the community frequently utilizes platforms like Shopee, Tokopedia, Lazada, Bibli, and Bukalapak for buying and selling activities. Online commerce entails a transaction process where the buyer places an order and makes a payment either beforehand, during, or afterward within a specified timeframe, all made possible by technological advancements. Additionally, specific contracts, such as istisna contracts, are utilized in carrying out these transactions. The aim of this research is to explore in greater detail the use of istisna contracts in online purchasing. This paper employs a qualitative method with a descriptive approach. The analysis method used is content analysis, concentrating more deeply on the acquired information. The findings reveal that Islamic transactions involving istisna contracts, the basis of Shari'ah, parallel istisna, and how these transactions are structured. Keywords: Istishna, Islamic Financing, Financial Institutions

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