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Laa Maisyir Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Alauddin Makassar
ISSN : 24769371     EISSN : lamaisyir     DOI : https://doi.org/10.24252/laamaisyir
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Laa Maisyir adalah jurnal ekonomi Islam yang fokus kajian tentang pemikiran ekonomi syariah yang mencakup beberapa bidang kajian seperti jual beli, sewa, gadai, bagi hasil, serta perkembangan transaksi ekonomi seperti jual beli e-commers. Sehingga jurnal ini diharapkan mampu memberikan khasanah pemikiran ekonomi Islam yang uptudate atau kekinian.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 171 Documents
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The Effect of Murabahah, Musyarakah, Mudharabah Financing on Profitability with Banksize is a Control Variabel in Islamic Comercial Bank Dinsa Selia Putri; Segaf
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.55574

Abstract

This research analyzes the effect of murababahah, musyarakah and mudharabah financing on the profitability of Islamic commercial banks, considering the size of the bank as a control variable. Population of this research is Islamic commercial banks registered with the OJK, sampling method was used to select five companies that meet the criteria. The Eviews 12 analytic tool supports the quantitative methodology of this study. The research results show that murabahah financing has a negative and significant effect on profitability, as early repayments without penalties reduce total profit, despite higher margins set for longer terms. Musyarakah financing has no effect on profitability, because musyarakah financing allocates profits based on capital contribution or predetermined ratios; however, its medium to long term nature limits it is contribution to the value added growth of profitability. Meanwhile, mudharabah financing and banksize have a positive and significant effect on profitability, because mudharabah financing positively influences profitability, as higher profit sharing returns increase bank income and improve profitability. Greater bank assets expand operations and customer reach, supporting higher profitability. Based on the results of the f test, all independent variables in this study have an effect on profitability. Islamic commercial banks are expected to maintain strong financial performance in the coming years to sustain public trust, customer confidence, and stakeholder support.
The Effect of NPM, NPF, DAR, CIR, and DPK on Profitability (ROA) of Islamic Banks in the World Dewi, Annisa Sinta; Wardana, Guntur Kusuma; Yuliana, Indah
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.56469

Abstract

In banks, the aspect that is able to show profit conditions is called profitability. There are other aspects that can affect profitability such as NPM, NPF, DAR, CIR, and also DPK. This study aims to determine the effect of NPM, NPF, DAR, CIR, and DPK on the profitability of Islamic banks in the world. This research uses quantitative methods. ers The population in this study were 100 Islamic banks listed as The Strongest Islamic Bank In The World according to The Asian banker using purposive sampling technique which resulted in 20 samples. The data in this research is secondary data taken from the annual reports of each Islamic bank for the 2019-2023 period. The results showed that the variables NPM and CIR each partially had a significant effect on the profitability of Islamic banks in the world. Meanwhile, the NPF, DAR, and DPK variables each show results that have no significant effect on the profitability of Islamic banks in the world. Simultaneously, NPM, NPF, DAR, CIR, and DPK have a significant effect on the profitability of Islamic banks in the world.
The The Influence Of Customer Understanding On Interest In Waqf With Moderating Religiosity Harni; Mukhtar Lutfi; Nasrullah Bin Sapa
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.56604

Abstract

Social inequality and low community participation in cash waqf through Cash Waqf Linked Sukuk CWLS indicate that the great potential of waqf has not been optimized. Lack of financial literacy, access to services, and traditional perceptions of waqf are the main obstacles. This study is important to identify factors that influence community waqf intentions, especially in CWLS products. The purpose of this study is analyze and explain the influence of financial literacy, financial inclusion, socialization, and marketing programs on waqf intentions on CWLS with religiosity as a moderator. The population of this study were all customers of Bank Syariah Indonesia, with a sampling technique using purposive sampling. The number of samples that met the criteria was 150 customers. Hypothesis testing was carried out using SEM-PLS. The results of the study showed that financial literacy, socialization, and marketing programs had a significant positive effect on waqf intentions, while financial inclusion had no significant effect. Religiosity as a moderator strengthens the influence of socialization and marketing programs on waqf intentions, but weakens the influence of financial literacy and inclusion. These findings indicate the importance of CWLS education and marketing strategies integrated with religious and social approaches to increase community participation in waqf.
Purchasing Decisions for Cosmetic Products Through Retail Cosmetic Stores: Analysis of Retail Marketing Mix and Halal Awareness Nadzira Azzahra; Hilda Monoarfa; Rumaisah Azizah Al Adawiyah
LAA MAISYIR: Jurnal Ekonomi Islam The 2nd International Collaboration Conference on Islamic Economics (ICCEIS) 2024 “Global Innovati
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of this study is to provide an overview and analyze the following factors: price, location, product diversity, and store atmosphere in the retail mix and halal awareness on customer decisions to buy halal cosmetics products at Sociolla stores in Bandung. This research uses a descriptivecausality approach and uses SmartPLS software to conduct PLS-SEM analysis. Respondents in this study were people in Bandung who had bought cosmetics at Sociolla stores in Bandung, with a total sample size of 261 respondents. The results of research conducted on descriptive analysis have shown that all variables are in the high category. Then, the results showed that price, location, and product diversity had a positive effect on cosmetic purchasing decisions at the Sociolla store in Bandung. Meanwhile, the variables of shop atmosphere and halal awareness have no effect on cosmetic purchasing decisions at the Sociolla store in Bandung. This research implies that the Sociolla store in the city of Bandung can optimize retail marketing strategies through expanding price segmentation, stocking fulfilled goods, and choosing locations with consideration of similar stores, as well as to the government to pay more attention to the spread of non-halal cosmetics.
Do Sharia Investments Promote Responsible Consumption? A Structural Equation Modeling Approach Indra Rajasa, Muhammad Attar; Tamamala, Zailan Basri; Ratnasari, Ririn Tri
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.56957

Abstract

on progress
Integrating Maqasid Sharia in Responsible Tourism Marketing: A Case Study of Rinding Allo Village Attractions Iradat, Muhammad Isra; Asmayanti; Syarifah Aliyah Fitrisam
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.57102

Abstract

Tourism necessitates the adoption of sustainability principles to preserve the authenticity of tourism products. Rinding Allo Village, as an emerging tourist destination, has shown potential but pays limited attention to carrying capacity, thereby risking negative impacts from tourism activities. This research aims to integrate maqasid sharia into the framework of Responsible Tourism Marketing (RTM) through a case study of tourism attractions in Rinding Allo Village. Employing a qualitative approach with a case study design, data were collected through interviews, direct observation, and documentation. The data were then analyzed using a within-case analysis method, focusing on marketing planning through the segmentation, targeting, and positioning (STP) framework. The findings reveal that the tourism attractions in Rinding Allo Village have significant potential to support the integration of maqasid sharia into RTM. Specific attractions include: Rentekasimpo Waterfall, which reflects environmental preservation (hifz al-bi’ah); Buntulemo agro-tourism, which supports the maintenance of natural ecosystems (hifz al-nafs); Pangngaru dance performances, symbolizing respect and social dignity (hifz al-‘ird); and the traditional weaving of Rongkong cloth, representing the preservation of local wisdom (hifz al-‘ird). As a strategic recommendation, the development of a tourism guidebook is proposed as part of enhancing the destination’s carrying capacity and promoting responsible tourism practices aligned with Islamic ethical values.
Peran Influencer Dalam Meningkatkan Penjualan Produk Asuransi Syariah Di Indonesia Anisa Bella Saragih; Nurbaiti; Fauzi Arif Lubis
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.57217

Abstract

In the rapidly evolving digital era, the marketing landscape has undergone a significant transformation, including within the financial and insurance industries. Conventional communication strategies are gradually being replaced by more adaptive approaches, such as the use of digital influencers. This study aims to explore the role of influencers in increasing the sales of Islamic insurance (takaful) products in Indonesia. Amid the fast-paced digital transformation, insurance companies face challenges in designing more effective marketing strategies to reach a broader and more relevant audience. This research employs a qualitative method with a literature review approach, analyzing and interpreting various previous studies and social phenomena related to influencer-based marketing in the Islamic insurance sector. The findings reveal that influencers play a strategic role in enhancing public interest and trust in Islamic insurance products. Credible influencers can expand marketing reach, increase audience engagement, and build stronger relationships with potential customers. These results indicate that collaboration between Islamic insurance companies and digital influencers can significantly enhance marketing communication effectiveness and strengthen product positioning in the market. Therefore, selecting the right influencer becomes a key factor in maximizing digital marketing strategies in an increasingly competitive industry.
Green Finance Based Access to Financing in Islamic Microfinance: A Case Study of the UMi AMBO Program in Padang Seppi Mustion; Aulia Ikhwani; Natasya Amelia Wulandari; Hulwati; Ahmad Wira
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.57269

Abstract

This study aims to analyze access to financing based on green finance, using a case study of the UMi AMBO program. The research employs a qualitative approach, collecting data through interviews, observations, and documentation.  The implementation of green finance program in Padang not only enhances access to financing for micro enterprises but also encourages environmentally friendly business practices. This requires simplification of procedures, improvement in banking service quality, and strengthening of the capacity of micro, small, and medium enterprises. The UMi AMBO financing program has proven effective in supporting microenterprise development and promoting financial inclusion for small business actors. Innovations in the application of green finance-based financing and enhancement of mentoring programs for beneficiaries are necessary. If managed properly, the ultra micro financing can serve as a model for other financial institutions to implement green finance, eliminate predatory lending practices, and empower MSMEs to grow sustainably. It can be concluded that the program is also based on the principles of Islamic economics, such as ‘adl), balance (tawazun), prohibition of usury (riba), social responsibility (maslahah), and profit-and-loss sharing mechanisms. These principles ensure that financing is conducted ethically and sustainably, in alignment with Islamic values and the goals of sustainable economic development.
Examining Financial and Macroeconomic Drivers of NPF in Islamic Rural Banks of Indonesia Alfaina Zia Inayati; Ruspita Rani Pertiwi
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.58247

Abstract

Islamic Rural Banks (BPRS) play an important role in promoting financial inclusion in Indonesia, particularly for micro and small enterprises. However, the high Non Performing Financing ratio indicates the poor quality of financing and risk management, which disrupts intermediation functions and threatens the stability of banks. This study aims to analyze the influence of financial and macroeconomic variables on BPRS NPF in the short and long term, using the Vector Error Correction Model approach based on monthly data from January 2021 to December 2024. The analysis results indicate that in the short term, the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and inflation significantly increase NPF, whereas Gross Domestic Product (GDP) does not have a significant effect. In the long term, CAR and inflation continue to have a positive impact, while FDR and GDP are not significant. These findings highlight the need for BPRS to strengthen risk management systems, improve financing selection processes, and adjust BPRS operational strategies to macroeconomic dynamics. OJK needs to encourage the implementation of early warning systems and prudent financing limits, while the government needs to maintain macroeconomic stability, particularly in controlling inflation, to support the resilience and sustainability of BPRS in the future.
Digital Transformation of Halal Food MSMEs to Increase Competitiveness: A Qualitative Case Study of Makcik Cam Traditional Culinary in Medan Khairiah, Dian; Bi Rahmani, Nur Ahmadi; Imsar
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 2 (2025): in press
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i2.59976

Abstract

Digital transformation has become a key element in increasing the competitiveness of micro, small, and medium enterprises (MSMEs), especially in the halal culinary sector, which faces challenges adapting to technology and digital market dynamics. This study aims to analyze the implementation of digital transformation in the Makcik Cam MSME, to understand its impact on increasing competitiveness and the strategies implemented in facing the challenges of digitalization. Using a qualitative approach with a strategic case study on the Digital Transformation of Halal Food, data was collected through observation, in-depth interviews, and documentation of the business. This study used inductive thematic analysis. The results show that the digitalization process is carried out gradually through the use of social media, online platforms, and social network-based promotions. However, limited digital literacy, technological infrastructure, and marketing data management are key challenges. This research demonstrates that halal values ​​are appropriate because they ensure that the entire production, distribution, and marketing processes of a product or service meet halal standards established by Islamic law and provide added value to consumers and businesses. This study provides theoretical contributions in developing the concept of locally-based digital transformation and halal values, and offers effectiveness for halal culinary MSMEs in Indonesia.

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