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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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ANALISIS KESESUAIAN AKAD HIWALAH DALAM PRAKTIK PEMBIAYAAN LEMBAGA KEUANGAN SYARIAH Nurul Ainiah; 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.v7i1.5247

Abstract

The hiwalah contract has an important role in the sharia financial system. The development of sharia financial institutions in Indonesia makes hiwalah contracts increasingly relevant to study, considering that the need for transaction systems that are efficient and in accordance with sharia principles continues to increase. The issues in this article include the meaning of hiwalah, its legal basis in Islam, the pillars and conditions that must be met, the implementation scheme, and its application in sharia financial institutions. This research aims to analyze the concept of the hiwalah contract comprehensively from both theoretical and practical aspects. The method used is normative legal research with a literature study approach through various relevant books and scientific articles in the last ten years. The results of the study show that the hiwalah contract has a strong legal basis in the Al-Qur'an, Hadith, and Ijma' Ulama, and can be implemented in modern sharia banking practices as an instrument for transferring legal obligations. Thus, a good understanding of the hiwalah contract is important in supporting the effectiveness of transactions and maintaining compliance with sharia principles in the financial system. Kata Kunci: Profit Sharing, Hiwalah Agreements, Muamalah Fiqh
ANALISIS KINERJA KEUANGAN PT. BANK SYARIAH INDONESIA (PERSERO) TBK PERIODE 2021-2025 Sendy Prayogi; Muhammad Kambali
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.v6i2.5261

Abstract

This study aims to evaluate the fundamental resilience and operational performance of Bank Syariah Indonesia (BSI) post-merger during the 2021–2025 period. The approach used is descriptive quantitative by applying horizontal trend analysis and the Risk-Based Bank Rating (RBBR) assessment system to the bank's key financial ratio components. The findings of this study indicate that this efficiency has significantly boosted profitability in 2025, as indicated by the ROA achievement of 2.65% and ROE of 18.05%. A very high CAR ratio (27.12%) triggers the opportunity cost of idle capital, while the dominance of murabahah contracts (56–60%). However, there are performance contradictions in the form of overly defensive capital management, the dominance of fixed-margin financing (murabahah), and a governance gap indicated by the stagnation of the Good Corporate Governance (GCG) rating. The implications suggest that BSI Management should immediately shift to an "Expansive Efficiency" strategy by optimizing profit-sharing financing (mudharabah and musyarakah) and comprehensively improving internal governance to achieve a high level of bank health. Keywords: Financial Performance, BSI
PERAN FINTECH SYARIAH DALAM PEMBERDAYAAN UMKM DI DESA TUGUMULYO Jesnita Fitri Novalia; Saiful Bakhri
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.v6i2.5293

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in Tugumulyo Village play a strategic role in driving local economic dynamics. However, their development remains constrained by limited access to business capital, low financial management capacity, and minimal utilization of digital technology in business operations. The emergence of Islamic financial technology (Islamic fintech) offers an alternative solution aligned with the principles of Islamic economics, through the provision of inclusive, transparent, and sharia-compliant financial services. This study aims to analyze the role of Islamic fintech in empowering MSMEs in Tugumulyo Village, particularly in terms of financing access, operational efficiency, and market expansion. A quantitative approach with a survey method was employed, targeting MSME actors who have utilized Islamic fintech services. The findings indicate that Islamic fintech significantly contributes to improving financing accessibility for MSMEs, facilitating digital financial transactions, and supporting more structured cash flow management. On the other hand, the extent of Islamic fintech utilization remains varied and uneven, influenced by differences in Islamic financial literacy levels, digital infrastructure readiness, and the adaptive capacity of business actors toward technological innovation. Therefore, strengthening a collaborative digital ecosystem among the government, Islamic fintech service providers, and MSME actors is essential to enhance competitiveness and business sustainability at the village level. This study recommends the need for enhanced Islamic financial education and the development of digital infrastructure to accelerate technology-based MSME transformation in rural areas. Keywords: Islamic fintech, MSME empowerment, financing access, Islamic financial literacy, digital transformation
DAMPAK SISTEM PEMBATASAN KUOTA TERDIFERENSIASI BERBASIS NFC DAN TRANSPARANSI TRANSAKSI TERHADAP PERILAKU KONSUMSI SANTRIWATI DI PP DARUSSALAM PUTRI SELATAN Khafidhotus Sholikhah; Dawimatus Sholihah
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.v6i2.5302

Abstract

This study analyzes the impact of a differentiated spending quota system and transaction history transparency based on NFC technology on female students' consumption behavior at Darussalam Putri Selatan Islamic Boarding School. Using a descriptive qualitative approach with a case study method, data were collected through in-depth interviews with 11 informants, 14 days of participatory observation, and documentation study. The findings reveal that spending quotas effectively reduce impulsive purchasing but trigger "social acrobatics" such as card-borrowing and cross-category reallocation as forms of resistance. Meanwhile, transaction history transparency generates a monitoring effect from parents and encourages students' self-evaluation, gradually transforming external compliance into internal financial awareness. This study concludes that the differentiated NFC-based system serves as a more precise consumption control model, yet still requires financial literacy assistance to ensure the sustainable internalization of the value of simplicity (iqtis?d). Keywords: NFC; female students' consumption behavior; financial discipline
PENGARUH DISIPLIN KERJA DAN PROFESIONALISME KARYAWAN TERHADAP KINERJA KARYAWAN DI BMT UGT SIDOGIRI CABANG BANYUWANGI SELATAN Yuyun Purnama Sari; Eko Budiywono
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.v6i2.5316

Abstract

This type of research is quantitative descriptive. The hypothesis proposed is that there is a positive and significant influence between Work Discipline (X1) and Employee Professionalism (X2) on Employee Performance (Y) both simultaneously and partially. This research was conducted on BMT UGT Sidogiri South Banyuwangi Branch employees, 30 respondents. The sampling technique used is proportionate stratified random sampling technique. The independent variables in this study are Work Discipline (X1) and Employee Professionalism (X2), while the dependent variable is Employee Performance (Y). The data analysis method in this study uses the technique of Multiple Linear Regression Analysis. The results of this study indicate that the variable work discipline has a positive and significant effect on employee performance. The professionalism variable has a positive and significant effect on employee performance. Variable work discipline and professionalism of employees together have a positive and significant effect on employee performance that is equal to 67.8% while the remaining 32.2% is influenced by other variables outside this study.
ANALISIS KINERJA KEUANGAN BANK SYARIAH DALAM PENERAPAN PRINSIP-PRINSIP SYARIAH Yasmin Safa Annisa
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.v7i1.5359

Abstract

This study aims to analyze the financial performance of Islamic banks in implementing Sharia principles in Indonesia. The study employed a descriptive qualitative method using a literature review approach. The data were obtained from Islamic bank annual reports, Financial Services Authority (OJK) statistics, regulations, fatwas issued by the National Sharia Council–Indonesian Ulema Council, and relevant scientific journals. The findings show that Islamic banking experienced positive growth during the 2021–2023 period, as indicated by increases in total assets, third-party funds, financing distribution, and profitability ratios, namely Return on Assets (ROA) and Return on Equity (ROE). Liquidity, measured by the Financing to Deposit Ratio (FDR), remained in a healthy category, while the Capital Adequacy Ratio (CAR) indicated strong capital conditions. The implementation of Sharia principles, including the prohibition of riba, gharar, and maysir, as well as the values of justice, transparency, and prudence, does not hinder the financial performance of Islamic banks. Instead, Sharia compliance can increase public trust, maintain financial stability, and support the sustainable growth of Islamic banking. Keywords: Financial Performance, Islamic Banks, Profitability, Liquidity
ANALISIS PENERAPAN AKAD MUDHARABAH PADA MASA KRISIS: STUDI KASUS PADA KJKS BMT UGT SIDOGIRI KECAMATAN GENTENG BANYUWANGI Izza Aulia Yusvita Sari; Lucky Al Hafzy
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.v6i2.5361

Abstract

This study aims to analyze the implementation mechanism of the mudharabah contract in microfinancing at KJKS BMT UGT Sidogiri, Genteng Branch, Banyuwangi during an economic crisis, identify the obstacles faced by both management and customers (mudharib). The method used is a descriptive qualitative approach with a case study design. The results show that amid the crisis, BMT Branch consistently maintained sharia principles through a profit-sharing system utilizing the revenue sharing method in accordance with DSN-MUI Fatwa No. 15/DSN-MUI/IX/2000. Despite facing an increased risk of default due to a decline in customers' turnover, the BMT implemented humane and riba-free financing rescue strategies, including business assistance, regular monitoring, and payment relaxation through restructuring and rescheduling policies decided through mutual consultation. The main obstacles identified include the difficulty of predicting business profits, weak financial reporting from customers, and the risk of moral hazard. Overall, mudharabah financing has proven to possess strong flexibility and resilience as an instrument for community economic empowerment in times of uncertainty. Keywords: Mudharabah, Crisis Period, BMT UGT Sidogiri
PENGARUH PENGALAMAN BELANJA ONLINE DAN KEPERCAYAAN TERHADAP LOYALITAS PELANGGAN SHOPEE DENGAN KEPUASAN PELANGGAN SEBAGAI VARIABEL Nurin Qurrotul Aini; Siti Nur Kholisah
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 2 (2026): Agustus 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i2.5374

Abstract

This quantitative study examines the influence of online shopping experience and trust on Shopee customer loyalty, with customer satisfaction as a mediating variable. Data was collected from 200 active Shopee users through online questionnaires using a 5-point Likert scale. Analysis employed multiple linear regression and the Sobel test for mediation. The findings reveal that online shopping experience and trust significantly and positively affect customer satisfaction. Furthermore, customer satisfaction significantly influences customer loyalty. Importantly, customer satisfaction mediates the relationship between both online shopping experience and trust on customer loyalty. These results imply that Shopee must enhance user experience and build consumer trust to foster satisfaction, which in turn drives long-term customer loyalty in Indonesia's competitive e-commerce market.  Keywords: Online Shopping Experience, Trust, Customer Satisfaction
ANALISIS PERKEMBANGAN SEKTOR INDUSTRI TERHADAP PEREKONOMIAN INDONESIA Nadia Dwi Agustin; Syifa Nia Agustin; Gustina Masitoh
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.v7i1.5385

Abstract

This study aims to analyze the development of the industrial sector and its contribution to the Indonesian economy. In addition, this research examines the factors influencing the development of the industrial sector and its impact on economic growth. The industrial sector plays a strategic role in driving economic growth through value creation, increased productivity, and employment generation. This study employs a qualitative approach using descriptive analysis based on secondary data from various official sources. The results show that the industrial sector in Indonesia has experienced significant development in recent years and has made a substantial contribution to the national economy. This development is influenced by several factors, including the quality of human resources, technological advancement, and government policies. Furthermore, the industrial sector has a positive impact on economic growth by increasing public income and overall economic activity. Therefore, appropriate strategies are needed to enhance the competitiveness of the industrial sector in order to support sustainable economic growth. Keywords:Industrial Sector, Economic Growth, Economic Contribution, Industrial Development
PERAN DIGITALISASI LKMS DALAM MENDORONG INKLUSI KEUANGAN MASYARAKAT DI ERA EKONOMI DIGITAL Dian Hati; Nihayatul Wafiroh
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 2 (2026): Agustus 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i2.5408

Abstract

Digital transformation in the digital economy era serves as a crucial instrument in addressing financial exclusion among bottom-of-the-pyramid societies and micro-enterprises. This study aims to analyze the role of digitalization strategies within Islamic Microfinance Institutions (LKMS) in driving financial inclusion in Indonesia, and identify the structural barriers encountered. Using a qualitative descriptive approach with library research, secondary data from accredited journals and official reports were analyzed through content analysis and theoretical synthesis. The findings indicate that LKMS digitalization (BMT, BPRS, Islamic Cooperatives) accelerates financial inclusion by reducing transaction costs and expanding operational outreach. Customers' digital footprints successfully mitigate asymmetric information risks by establishing digital credit scoring for unbankable groups. Furthermore, digital technology reconceptualizes LKMS's dual purposes by efficiently integrating social funds (ZISWAF) and commercial financing. However, this transformation also triggers a new wave of digital financial exclusion due to the digital divide, low digital-financial literacy in rural areas, and internal cybersecurity vulnerabilities. Keywords: Islamic Microfinance Digitalization, Islamic Financial Inclusion, Digital Economy.   ABSTRAK Transformasi digital pada era ekonomi digital merupakan instrumen krusial dalam mengatasi eksklusi keuangan masyarakat di garis piramida bawah dan pelaku usaha mikro. Penelitian ini bertujuan untuk menganalisis peran strategi digitalisasi Lembaga Keuangan Mikro Syariah (LKMS) dalam mendorong inklusi keuangan di Indonesia, serta mengidentifikasi hambatan struktural yang dihadapi. Menggunakan metode kualitatif deskriptif jenis studi kepustakaan (library research), data sekunder dari jurnal terakreditasi dan laporan resmi dianalisis dengan metode analisis isi (content analysis) dan sintesis teoretis. Hasil penelitian menunjukkan bahwa digitalisasi LKMS (BMT, BPRS, dan Koperasi Syariah) secara substantif mengakselerasi inklusi keuangan melalui reduksi biaya transaksi dan ekspansi jangkauan operasional. Rekaman transaksi digital (digital footprints) nasabah berhasil memitigasi risiko asimetri informasi melalui pembentukan profil kredit digital (digital credit scoring) bagi kelompok unbankable. teknologi mampu mengintegrasikan fungsi ganda (Duality of Purpose) LKMS melalui konvergensi tata kelola dana sosial (ZISWAF) dan pembiayaan komersial secara efisien. Namun, penelitian ini juga mengungkap ancaman eksklusi finansial model baru (digital financial exclusion) yang dipicu oleh kesenjangan digital, rendahnya literasi digital-keuangan masyarakat rural, serta kerentanan keamanan siber internal. Kata Kunci: Digitalisasi LKMS, Inklusi Keuangan Syariah, Ekonomi Digital.

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