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Dinar: Jurnal Ekonomi dan Keuangan Islam
Published by Universitas Trunojoyo Madura
ISSN : 24609889     EISSN : 25803565     DOI : https://doi.org/10.21107/dinar
Core Subject : Religion, Social,
Religion Social Sciences
Dinar adalah jurnal ilmiah yang diterbitkan oleh Jurusan Ekonomi dan Keuangan Islam Universitas Trunojoyo Madura. Terbit pertama kali Agustus 2015. Jurnal ini memfokuskan pada kajian Ekonomi Islam dalam berbagai sudut pandang keilmuan. Redaksi mengundang para ahli dan segenap sivitas akademika untuk menulis artikel sesuai dengan tema besar jurnal ini. Artikel yang dimuat tidak selalu mencerminkan redaksi ataupun institusi lain terkait dengan penerbitan jurnal.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 164 Documents
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Ecosystem Model of Edu-Tourism for Organic Waste Conversion in Islamic Boarding Schools through Maggot Cultivation Dzikrulloh Dzikrulloh; Alan Suud Maadi; Tri Pujiati
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 10, No 2: Agustus 2023
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v10i2.34167

Abstract

The purpose of this research is to determine the relationship between the Edu-Tourism Ecosystem Model of Organic Waste Conversion in Islamic Boarding Schools and maggot cultivation. This research began by finding a picture of waste processing in Islamic boarding schools, which was further developed by analyzing the feasibility of business and waste processing management. The results of this study offer the concept of eduwisata maggot-based organic waste processing in Islamic boarding schools.This research is qualitative, using a study-case approach, with the object of research being the Islamic Boarding School in Bangkalan, which has at least 1,000 students. There are five Islamic boarding schools that meet the criteria: Al Aziziyah, Asshomadiyah, Nurul Kholil, Shaikhona Kholil, and Nurul Amanah. According to the study's findings, the results of the business feasibility analysis produced positive value both economically, technically, and, to the greatest extent possible, in marketing. The feasibility analysis of the business needs to be supported by good processing management through planning, organizing, actuating, and controlling. Furthermore, the concept of maggot-based organic waste treatment (eduwisata) is integrated by combining tutorial learning activities with on-site exploration activities.
Examining the Effects of Work Discipline and Employee Loyalty on Employee Performance: A Quantitative Study in Indonesia Padlan Syafrin Azwir; Rahmi Syahriza; Nurbaiti Nurbaiti
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.34007

Abstract

This study aims to examine the effects of work discipline and employee loyalty on employee performance at PT Media Swara Prima Rantau Prapat. The study employs a quantitative approach with a causal associative research design. The population consists of all employees of the company, totaling 36 individuals. Data were collected through questionnaire distribution. Data analysis techniques include validity and reliability tests, classical assumption tests, and multiple linear regression analysis. Hypothesis testing was conducted using the t-test (partial), F-test (simultaneous), and coefficient of determination (R²).The results indicate that work discipline has a positive and significant effect on employee performance. Employee loyalty also shows a positive and significant effect on employee performance. Simultaneously, work discipline and employee loyalty have a positive and significant impact on employee performance. The coefficient of determination reveals that these two variables explain 59.6% of the variance in employee performance, while the remaining proportion is influenced by other variables outside the research model.These findings highlight the important role of work discipline and employee loyalty in improving employee performance at PT Media Swara Prima Rantau Prapat.
The Effect of Syariah People's Business Credit (KUR) And Business Resources on The Productivity of Micro Small and Medium Entrepreneurs (MSME) In Medan, Indonesia Adistia prayoga; Rahmayati Rahmayati
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 10, No 2: Agustus 2023
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v10i2.29582

Abstract

This study examines the influence of Sharia People's Business Credit (KUR Syariah) and business resources on the productivity of MSMEs in Medan Marelan District. The research method used is a quantitative research method. The research used in the study entitled the influence of KURS (Shariah People's Business Credit) and Business Resources on MSME Productivity in Medan Marelan District. The type of research used is a descriptive quantitative research type. Where in this study analyzes the influence of independent variables, namely KURS (people's business credit) and business resources on MSME productivity with the dependent variable being MSME productivity. The population of this study is MSME entrepreneurs in Medan Marelan District consisting of 896 MSMEs. The sampling technique used is the Slovin method. From the calculation results above, the sample of this study was rounded up to 90 MSMEs in Medan Marelan District.This result indicates that 82.3% of MSME productivity variations are influenced by these two variables, while 17.7% are influenced by other factors. Therefore, optimizing access to KUR Syariah, business assistance, and innovative strategies are necessary to enhance MSME competitiveness sustainably. These findings confirm that access to sharia financing and the optimization of business resources can significantly improve MSME productivity. Therefore, the government and sharia financial institutions should continue to promote the broader utilization of KUR Syariah and provide assistance in business management. Additionally, MSME actors are encouraged to develop more innovative business strategies, including business digitalization and improved management quality, to enhance competitiveness and sustainable business growth.
Students' Perception of The Use of Shopee Barokah Based on Religiosity and Halal Lifestyle Julia Hamdini Nasution; Nurlaila Nurlaila; Yenni Samri Juliati Nasution
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.34125

Abstract

The study results show that students who use Shopee Barokah find it easier to access Islamic information, such as prayer times, the Islamic calendar, and Islamic content, thus helping them apply religious values in their consumption activities. Furthermore, the feature also raises students' awareness of the importance of choosing halal products and avoiding transactions that potentially conflict with Sharia principles, such as the use of interest-based PayLater. Meanwhile, students who have not used Shopee Barokah generally still have limited information about the benefits of the feature, although they still strive to maintain halal principles in their daily lives. This study concludes that the use of Shopee Barokah positively supports the implementation of a halal lifestyle and strengthens the religiosity of FEBI students in their digital consumption activities. This research is expected to serve as a reference for the development of digital platforms oriented toward Islamic values and as a consideration for students in selecting shopping services that comply with Sharia principles.
Role of Halal Digital Ecosystem and Msmes Strengthening in Jepara Toward Sustainable Economy in Industry 4.0 Niswatin Nada; Agung Slamet Sukardi
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.33631

Abstract

This study examines the low level of digital literacy and limited understanding of halal certification among MSMEs in Jepara Regency and how this affects their ability to effectively utilizehalal certification in the digital era. This issue is highlighted by the low level of knowledge and use of halal certification among MSMEs in Jepara, both in understanding the certification process and in using it as a business development strategy.   The findings indicate that government initiatives to promote digital transformation and halal certification have not yet been fully effective due to limited digital skills, inadequate human resources, and continued reliance on manual processes. Advances in Industry 4.0 technology and digital marketing have created opportunities for small and medium sized enterprises (SMEs) to increase their competitiveness and expand their market reach however, in practice, small businesses still face several challenges, particularly limited business funding, high halal certification costs, and difficulties in product packaging. The study also shows that collaboration among public institutions, certification facilitators, cooperatives, and MSMEs actors has strong potential to build an integrated digital halal ecosystem that supports business sustainability and regional economic development. This research provides a conceptual framework linking digital capability, certification readiness, and institutional collaboration as key drivers of MSMEs competitiveness. This framework provides a practical contribution to Jepara Regency in developing a digital based halal ecosystem strengthening strategy to enhance MSMEs competitiveness and market access.
Muzakki Readiness Toward The Implementation Of Sharia-Based Artificial Intelligence in Zakat Collection: A Study at Baitul Maal Hidayatullah, East Kalimantan Imam Salamun; Dedy Rachmad; Mohammad Bintang Pamuncak
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.33449

Abstract

The transformation of zakat collection in Indonesia remains far below its optimal potential despite the advancement of digitalization. Previous studies have focused on governance, trust, and digital service quality; however, they have not examined muzakki readiness toward the implementation of Sharia-based artificial intelligence. This study introduces the concept of Sharia-AI Assurance as a construct representing confidence in Sharia-compliant technology. The objective of this research is to analyze the influence of perceived Sharia compliance and digital service quality on trust and intention, as well as to examine the role of Sharia-AI assurance as both a predictor and a moderator. This study employs an explanatory quantitative approach through a survey of 383 muzakki across seven regions of Baitul Maal Hidayatullah in East Kalimantan. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that perceived Sharia compliance and digital service quality have significant effects on trust and intention, while trust does not have a significant effect on intention. Sharia-AI Assurance has a positive effect on intention and strengthens the relationship between digital service quality and the intention to pay zakat. These findings recommend strengthening Sharia compliance governance, improving digital service quality, and developing a Sharia-based artificial intelligence assurance framework to optimize zakat collection.
Challenges And Opportunities in The Global Halal Industry: Maqashid Al-Shariah Based Management Strategies for Sustainable Halal Tourism in Riau Island Dwi Vita Lestari Soehardi; Muhammad Ramadhan; Zuhrinal M Nawawi; Mohd Fauzwadi bin Mat Ali
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.32634

Abstract

The global halal tourism sector continues to expand rapidly; however, existing systematic reviews predominantly focus on macro-level global trends, leaving a critical research gap regarding how Maqashid al-Shariah-based management frameworks can be operationalized within specific archipelagic and cross-border contexts. This study addresses this gap by examining the sustainable halal tourism potential of Indonesia's Riau Islands Province through a localized Maqashid al-Shariah framework. Adopting a Systematic Literature Review (SLR) methodology guided by PRISMA 2020 protocols across Scopus and Web of Science databases for the 2015-2025 period, 75 eligible peer-reviewed articles were synthesized from an initial pool of 152 records using thematic content analysis and bibliometric co-occurrence mapping via VOSviewer. The bibliometric analysis identified four distinct thematic clusters: (1) Halal Supply Chain Regulatory Compliance, (2) Smart Digital Halal Tourism, (3) Sustainable Destination Management, and (4) Islamic Governance Maqashid Frameworks. Bridging these clusters, the study operationalizes six Maqashid dimensions integrating al-bī'ah (environmental stewardship) alongside the classical five dimensions (al-dīn, al-nafs, al-‘aql, al-nasl, al-māl) through contemporary Islamic eco-theological justification. Tailored to the archipelagic geometry and Malay-Islamic heritage of the Riau Islands, specific strategies are formulated, including cross-border certification harmonization, eco-resort stewardship, digital heritage preservation on Penyengat Island, and local SME empowerment through sharia microfinance. The study demonstrates that sustainable halal tourism requires shifting from mere ritual compliance toward integrated digital governance and marine ecosystem protection. The proposed framework offers actionable policy insights for regional authorities and a scalable governance model for island tourism destinations in the Global South.
Implementation of Maqasid Sharia-Based Zakat Management and Zakat Regulation: A Case Study of BAZNAS Enrekang Regency Nur Hikmah Anugrah Ramadan; Musyfikah Ilyas; Muh. Rasywan Syarif; Hamzah Khaeriyah; Rahman Syamsuddin
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 2: Agustus 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i2.32658

Abstract

The implementation of zakat governance in Indonesia continues to show inconsistencies between regulatory mandates and practical outcomes, particularly in how Maqasid Syariah principles are integrated into institutional performance. Although zakat is expected to contribute significantly to poverty alleviation, institutional optimization remains uneven. This study analyzes zakat management at BAZNAS Enrekang Regency through a Maqasid Syariah framework and assesses its compliance with national zakat regulation. A qualitative case study approach was used, with data collected through in-depth interviews with BAZNAS administrators, muzakki, and mustahik, complemented by institutional reports and regulatory documents. The findings show that zakat governance generally fulfils the key Maqasid objectives protection of religion, life, intellect, lineage, and wealth through programs in education, health, economic empowerment, and social welfare. However, challenges persist, including limited operational capacity, uneven technology adoption, and a gap between zakat potential and actual collection. From a regulatory standpoint, BAZNAS has implemented the core mandates of Law No. 23/2011, although reporting transparency, digitalization, and community oversight still require strengthening. Overall, zakat governance is moving toward Maqasid-oriented institutional compliance but needs further strategic improvement to enhance its socio-economic impact, including reorienting the approach from charitable to productive zakat through intensive business mentoring and stronger amil digital literacy.
Misorientation of Village Fund Allocation: Issues of Youth Participation in Empowering the Creative Economy from the Maqashid Sharia Perspektive Eka Septia Haryanti; Yulia Anggraini; Dahruji Dahruji
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 2: Agustus 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i2.33347

Abstract

This study examines the misorientation of Village Fund allocation that is suboptimal for the creative economy and the obstacles to youth participation in Sukorejo Village. The novelty of the research lies in the use of the Maqashid Sharia perspective as an instrument to evaluate village fiscal policy. This study aims to analyze the factors causing budget shifts, barriers to youth participation, as well as their impact on the sustainability of artisan businesses and the empowerment of the village's creative economy from the Maqashid Sharia perspective. A qualitative method was applied through the analysis of the 2024 Village Budget (APBDes) documents, in-depth interviews with village treasurers and artisans, and mini-surveys of productive-age youth. The results reveal that the APBDes allocation is dominated by government operational expenditures (41.25%), which triggers the diversion of empowerment funds to general programs due to low youth interest. From the perspective of Maqashid Sharia, this policy is considered to neglect the principles of hifdz al-mal and hifdz al-nasl, thereby triggering stagnation in artisans' businesses and disrupting the chain of knowledge. This study recommends budget restructuring and collaborative synergy between the government, youth, and artisans to support a sustainable creative economy.
The Impact of Thailand’s Glocalization Strategy and Culinary Gastrodiplomacy on Indonesia’s Creative Economy: an Islamic Economics Perspective Salma Fathiya Sahnabel
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1: Januari 2026
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v13i1.33545

Abstract

The purpose of this study is to explain the influence of Thailand's culinary glocalization and gastrodiplomacy strategies on the sustainability of the creative economy in Indonesia, particularly the culinary sub-sector, from an Islamic economic perspective. The method used in this study is a quantitative method with a descriptive approach. The sample in this study consisted of 100 respondents who were urban communities in Indonesia with an interest in foreign cuisine. The object of this study is the creative economy of the culinary sub-sector, while the independent variables studied include Thailand's culinary glocalization and gastrodiplomacy strategies. Primary data was obtained by distributing questionnaires, while secondary data was obtained from relevant documents. Data analysis was performed using multiple linear regression with SPSS 20. The results showed that the variables of Thai culinary glocalization and gastrodiplomacy strategies had a positive and significant effect, both partially and simultaneously, on the development of the creative economy in the culinary sub-sector in Indonesia. The coefficient of determination (R²) value was 63.7%, which means that the independent variables in this study were able to explain 63.7% of the dependent variable. From an Islamic economic perspective, this study shows that the sustainability of the creative economy can be realized if the practices of glocalization and gastrodiplomacy are carried out based on the principles of adl (justice), maslahah (benefit), and ta'awun (mutual cooperation) to create an ethical, innovative, and equitable economic ecosystem.

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