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HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Islam Negeri Sumatera Utara
ISSN : 24077119     EISSN : 25276646     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam, a journal, provides a forum for publishing the original research articles, review articles from contributors, and the novel technology news related to Business, Economics, and Management. Research articles dealing with Islamic economics, Islamic banking, Islamic finance, etc. are particularly welcome. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries in Islamic economics, banking, and finance.
Arjuna Subject : -
Articles 245 Documents
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OPTIMALISASI STRATEGI PEMASARAN PRODUK TABUNGAN DALAM MENINGKATKAN MINAT NASABAH Rosi, Fahrur; Rofiq, Aunur; Rahayu, Yayuk Sri
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 2 │ 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v11i2.22138

Abstract

AbstrakPenelitian ini bertujuan untuk menganalisis dan mengoptimalkan strategi pemasaran produk tabungan santri untuk meningkatkan minat nasabah di Bank Jatim Syariah Cabang Sampang. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode pengumpulan data melalui observasi, wawancara, dan studi dokumentasi. Fokus utama penelitian adalah penerapan prinsip-prinsip Syariah dalam strategi pemasaran, meliputi nilai-nilai kejujuran, transparansi, dan keadilan, sesuai dengan fikih muamalah. Temuan penelitian mengungkapkan bahwa strategi pemasaran berbasis teknologi, seperti penggunaan media digital, mampu menarik minat generasi muda untuk berpartisipasi dalam sistem keuangan Islam. Selain itu, pendekatan edukatif seperti sosialisasi keuangan Islam secara langsung atau melalui media sosial efektif meningkatkan pemahaman masyarakat tentang manfaat produk Syariah. Kolaborasi dengan influencer lokal juga terbukti berhasil menjangkau segmen nasabah muda. Strategi-strategi ini terbukti berdampak positif terhadap peningkatan jumlah nasabah sekaligus membangun kepercayaan masyarakat terhadap produk perbankan Islam. Penelitian ini menyimpulkan bahwa penerapan strategi pemasaran yang inovatif, berbasis teknologi dan berpegang teguh pada prinsip-prinsip syariah, tidak hanya meningkatkan minat nasabah tetapi juga memperkuat citra positif lembaga keuangan syariah. Temuan ini diharapkan dapat memberikan kontribusi yang signifikan terhadap pengembangan strategi pemasaran di sektor perbankan syariah secara berkelanjutan.
EKSISTENSI DAN TRANSFORMASI BUDAYA LOKAL DALAM STRATEGI KETAHANAN EKONOMI DI KOTA PADANG SUMATERA BARAT Kadariah, Siti; Syahrizal, Rodi; Sari, Sri Dinda Nila
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 2 │ 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v11i2.21763

Abstract

The research aims to find out the government's efforts in maintaining the existence and transformation of local culture in the Economic Resilience Strategy in Padang City, West Sumatra, the OVOP approach uses a qualitative method that is analyzed with NVivo 12, The results of this research are The results of data management show that problems in the development of SMEs in Padang City can be influenced by several things such as market segmentation, consumer behavior, regulatory enforcement, SME funding, cultural existence and SME product branding. The grouping of the problems is based on the findings in the study, of the problems. The existence of culture is the main problem in the development of SMEs in Padang City, based on the answers of respondents with different percentages of the Cooperative and SME Office at 22.22%, the Trade Office at 16.67%, DPMPTSP at 0%, and Customary Institutions at 57.14%. Enforcement of regulations by the Cooperativeand SME Office is 33.33%, the Trade Office is 8.33%, DPMPTSP is 0%, and Glue.
PERAN TEKNOLOGI INFORMASI DALAM MENINGKATKAN KUALITAS AUDIT Husna, Asmaul
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 2 │ 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v11i2.22205

Abstract

Audit quality is a major concern for various stakeholders. Along with the development of information technology, there is hope that technology can be a solution to improve audit quality. This study will specifically analyze the application of technologies such as data analytics, artificial intelligence, and cloud computing in the audit process. Through case studies at several public accounting firms, the research will identify the impact of technology use on testing efficiency, audit result accuracy, and reporting quality. Additionally, the study will examine the challenges auditors face in adopting new technologies, as well as the associated ethical implications.
ANALISIS PENGARUH KEMISKINAN TERHADAP TINDAK KRIMINALITAS DI SUMATERA UTARA Putri, mardia anita; Azansyah, Azansyah
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 2 │ 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v11i2.22134

Abstract

This research aims to analyze the influence of poverty on crime in North Sumatra. The data used is secondary data which includes poverty levels and crime rates from several districts/cities in North Sumatra. The analytical method used is panel data regression to see the relationship between the independent variable,namely poverty, and the dependent variable, namely crime. The research results show that poverty has a positive influence on crime rates. The higher the poverty level, the higher the crime rate that occurs. Based on these results, it is recommended for the government to increase efforts to eradicate poverty. This research has limitations in the variables used and limited data coverage, so it is hoped that future research can add other variables and use wider data to obtain more comprehensive results.
KENDALA DAN PELUANG EKONOMI MONETER ISLAM DI INDONESIA Jamila, Khaidar Rahmaini; Hutauruk, Muhammad Zaky Abdullah
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 2 │ 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v11i2.22161

Abstract

AbstractThe Islamic monetary economy in Indonesia shows significant potential for development, especially in the sharia banking sector. Even though Indonesia has the largest Muslim population in the world, the application of sharia principles in macroeconomic policy still faces various obstacles. This research identifies the opportunities and challenges faced by the Islamic monetary economy, including the public's low understanding of Islamic financial products and the dominance of the conventional economic system. Through literature analysis and a thematic approach, this research provides the effectiveness of sharia financial regulation and supervision, as well as providing recommendations for better development. The results of this research indicate that the Islamic monetary economy in Indonesia has great potential to develop, especially in the sharia banking sector. However, there are significant obstacles that need to be overcome, such as the public's lack of understanding about Islamic financial products, the dominance of the conventional economic system, limited access to capital, and challenges in implementing technology. By realizing global awareness of the importance of ethical business practices, Islamic monetary economics is expected to contribute to sustainable and inclusive economic development in Indonesia.
Analisis Peran Asuransi Syariah Dalam Mewujudkan Keadilan Sosial: Sebuah Systematic Literature Review Sriutami, Wahyu; rozalinda, Rozalinda; Wira, Ahmad; Bahar, Muchlis
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 11 │ No. 2 │ 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v11i2.22078

Abstract

Latar belakang penelitian ini adalah kompleksitas tantangan sosial dan ekonomi yang mempengaruhi stabilitas kehidupan masyarakat saat ini dan di masa mendatang, sehingga peran asuransi syariah sangat dibutuhkan untuk mewujudkan keadilan sosial. Penelitian ini bertujuan untuk menganalisis peran asuransi syariah dalam mewujudkan keadilan sosial melalui pendekatan kajian pustaka sistematis dengan model PRISMA. Hasil penelitian menunjukkan bahwa asuransi syariah berperan dalam meningkatkan kesejahteraan dengan memberikan jaminan keadilan finansial dan sosial bagi masyarakat. Kesimpulannya, asuransi syariah dapat membantu menciptakan kehidupan yang lebih adil dan stabil bagi masyarakat melalui prinsip gotong royong.
PERAN FATWA DSN MUI DALAM MENDUKUNG REGULASI DAN PERTUMBUHAN KEUANGAN DIGITAL SYARIAH DI INDONESIA Nisa’, Khoirun; Wiaam, Isnania; Handriyani, Heni; Sholahuddin, Muhammad
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 12 │ No. 1 │ 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v12i1.25214

Abstract

This research analyzes various fatwas issued by the National ShariaCouncil of the Indonesian Ulema Council (DSN-MUI) related to digital finance.The main focus is on how these fatwas are implemented and their impact on thedigital finance ecosystem in Indonesia. The research method used is qualitativewith content analysis, collecting secondary data from official documents andrelated literature. The results show that the DSN-MUI fatwas on digital financeemphasize the importance of transparency, fairness, and integrity in transactions.These fatwas cover various aspects such as online buying and selling,dropshipping, technology-based financing services, and the use of electronicmoney. The implementation of these fatwas has had a positive impact onincreasing the trust of the Muslim community, the growth of the Islamic fintechecosystem, and support from regulators. However, challenges in implementationand compliance with sharia principles remain, including the need for rigoroussharia audits and improved sharia literacy among the public. This researchmakes an important contribution to the Islamic finance literature and providespractical guidance for policy makers and financial practitioners in implementingDSN-MUI fatwas more effectively.
ANALYSIS OF PUBLIC PREFERENCES FOR ZAKAT PAYMENTS COMPARED TO TAXES IN A SOCIAL AND ECONOMIC PERSPECTIVE Lubis, Muhammad Arifin; Husna, Asmaul
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 12 │ No. 1 │ 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v12i1.25215

Abstract

This study aims to analyze public preferences in choosing zakat over taxpayments from social and economic perspectives. Using a qualitative approachand literature study method, the research examines prior studies, accreditedjournals, and relevant policy documents related to zakat and taxation. Thefindings indicate that public preference for zakat is influenced by religiousmotivation, higher trust in zakat management institutions, ease of access throughdigital platforms, and social-cultural satisfaction. In contrast, low trust in taxauthorities, negative perceptions of bureaucracy, and lack of transparency arekey factors behind weak tax compliance. These findings suggest the need for anintegrative policy approach that aligns zakat and taxation to enhance fiscaljustice and effective wealth distribution in society. The study recommends thatgovernments and zakat institutions strengthen collaboration, improvetransparency, and develop regulations that accommodate the social and religiousvalues of the public.
OPTIMIZING SHARIA INVESTMENT POLICY BASED ON FINANCIAL TECHNOLOGY (FINTECH) TO SUPPORT AN INCLUSIVE DIGITAL ECONOMY Said, Muhammad; Madi, Minhajuddin; SR, Naharuddin.; Hajrawati, Hajrawati; Taufiq, Muh.
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 12 │ No. 1 │ 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v12i1.25217

Abstract

The development of sharia-compliant financial technology (fintech) hasemerged as a key driver of financial inclusion in Indonesia, yet low shariafinancial literacy and digital infrastructure disparities hinder its potential tofoster an inclusive digital economy. This study aims to formulate strategies foroptimizing sharia investment policies based on fintech to enhance access tosharia-compliant financial services and support a just digital economy.Employing a library research method with a content analysis approach, this studyexamines literature from Scopus-indexed journals, OJK reports, and DSN-MUIfatwas to identify patterns, trends, and policy gaps. The findings reveal thatsharia fintech expands financial access through platforms such as peer-to-peerlending and digital payments, with sharia financing reaching IDR 585.46 trillionin 2023, predominantly through musyarakah and murabahah contracts. However,challenges such as a sharia financial literacy rate of only 12.1%, uneven digitalinfrastructure, and insufficiently adaptive regulations limit inclusivity. The studyconcludes that data-driven, integrated policies and cross-sectoral collaborationare essential to overcome these barriers. Recommendations include strengtheningadaptive regulations by OJK, enhancing digital literacy through communitybased campaigns, and developing digital infrastructure in remote areas to ensurethe benefits of the digital economy are equitably distributed.
IMPLEMENTASI MULTI AKAD DALAM LAYANAN PEMBIAYAAN GADAI SYARIAH DI BANK BTN SYARIAH KC SOLO Djayusman, Royyan Ramdhani; Damanhuri, Sahnaz Emira Damanhuri Emira
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 12 │ No. 1 │ 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v12i1.25277

Abstract

The sharia pawn financing service has become one of the financingsolutions favored by many people, including at Bank BTN Syariah KC Solo. Thecontract used is a combination of rahn, qardh, and ijarah aimed at meeting shortterm financing needs in accordance with sharia principles. The purpose of thisresearch is to analyze the mechanism of implementing rahn, qardh, and ijarahcontracts at Bank BTN Syariah KC Solo from the perspective of Islamic economiclaw. This research uses a descriptive qualitative method with a case studyapproach. Data were collected through in-depth interviews with bankrepresentatives and Sharia experts, as well as direct observations. The researchresults show that the implementation of ijarah, qardh, and rahn contracts in thesharia pawn financing services at Bank BTN Syariah KC Solo is in accordancewith sharia principles. The rahn and ijarah contracts are conducted separately,where the rahn contract provides security in transactions through the loan ofgoods (marhun), while the ijarah contract is used to charge fees for the storage ofpawned goods without any additional elements of usury. It is hoped that BankBTN Syariah KC Solo can enhance transparency and sharia literacy in thecommunity to strengthen customer trust.

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