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Studia Economica: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Sumatera Utara
ISSN : 23032618     EISSN : 28094964     DOI : 10.30821/se.v8i2
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Aims and Scope Aims STUDIA ECONOMICA is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. Scope The scope of STUDIA ECONOMICA are but strictly limited to: islamic economics; islamic banking and finance; islamic economic management; islamic economics law; management Zakat, Infaq, Shodaqoh, and Waqf; islamic entrepreneurship and business; islamic economics thought; islamic capital market
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 119 Documents
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Determinan Kemiskinan Di Sumatera Utara Sihombing, Anisa; Rukiah, Rukiah; Cahyani, Utari Evi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.24782

Abstract

This study aims to empirically analyze the factors influencing the poverty rate in North Sumatra Province, focusing on Gross Regional Domestic Product (GRDP), Human Development Index (HDI), government expenditure, and zakat. The persistent poverty issue and the uneven reduction of poverty levels across various regencies and cities serve as the primary motivation for this research. Panel data from eight regencies/cities covering the period 2019–2023 were analyzed using panel data regression methods, namely the Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM). Model selection was conducted using the Chow and Hausman tests, and further validated through Robust Least Squares (RLS) to confirm the stability of the estimation results. The analysis reveals that the Fixed Effect Model is the most appropriate. The variables GRDP, HDI, and zakat have a statistically significant negative effect on poverty, while government expenditure shows a positive but statistically insignificant effect. These findings suggest that enhancing human capital quality, fostering inclusive economic growth, and optimizing zakat management are strategic instruments that need to be strengthened in efforts to alleviate poverty in North Sumatra Province.
Manajemen Keuangan Syariah: Perannya terhadap Produkivitas Usaha Mikro, Kecil dan Menengah (UMKM) Aswin, Aswin; Destiana, Yolanda; Nurdin, Muhammad
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26666

Abstract

This research aims to analyze the important role of Sharia financial management in increasing the productivity of micro, small, and medium enterprises (MSMEs). The application of Sharia principles in financial management for micro, small, and medium enterprises (MSMEs), which offers aspects of justice, equality, responsibility, and non-exploitation, can be an effective solution for financial management based on Islamic values. This research is a qualitative study using a literature study approach by analyzing various accountable sources, including books, scientific journals, and data presented by Sharia financial institutions. Content analysis is conducted in three stages: data reduction, data presentation, and drawing conclusions from the collected data. The research results show that the application of Sharia principles in the financial management process plays an important role in increasing the productivity of micro, small, and medium enterprises (MSMEs). This is due to increased consumer trust, the minimization of potential risks, and ease of access to financial services at Sharia financial institutions
Mudharabah dan Filsafat Ekonomi Islam Fitri, Yona; Siregar, Muhammad Habibi
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26258

Abstract

This study discusses mudharabah as one of the main instruments in the Islamic financial system and its relationship with Islamic economic philosophy. The concept of mudharabah is one of the main pillars in the Islamic economic system that prioritizes justice, honesty, and social responsibility in economic activities. Conceptually, mudharabah is understood as a cooperation contract between the capital owner (shahibul maal) and the business manager (mudharib) with the principle of profit sharing and risk sharing. From a normative perspective, this contract is in line with the principles of maqāṣid al-sharī‘ah, especially in realizing justice, trustworthiness, and the economic welfare of the people. In practice, mudharabah has been widely used in modern Islamic financial institutions, especially in supporting the micro and small business sector, although its implementation still faces challenges in the form of moral hazard, information asymmetry, and regulatory limitations. This study uses a library research approach by analyzing classical and contemporary literature. The research results confirm that mudharabah is not only a financing instrument, but also a manifestation of Islamic philosophical values that are relevant to addressing global challenges, strengthening Islamic financial inclusion, and encouraging equitable and sustainable economic development for the people
Efektivitas Bantuan Sosial Program Keluarga Harapan (PKH) di Kabupaten Magetan Berdasar Prinsip Keadilan dalam Islam Abiyani, Ellyvia; Setyowati, Endah
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.25806

Abstract

This study aims to analyze the effectiveness of the Program Keluarga Harapan (PKH) social assistance in Magetan Regency as an effort to overcome poverty and review the distribution of PKH social assistance from the perspective of justice in Islam. The distribution of PKH social assistance is expected to help the community meet its daily needs, thereby improving the community's standard of living and decreasing the prevalence of poverty. However, in practice, the distribution of social assistance has several obstacles so the main objective is not immediately achieved. This study uses a qualitative method with a literature study approach collaborated with field studies with data from the Ministry of Social Affairs as the main data source and supported by publications from other institutions and interviews with related institutions in Magetan Regency. The results of the study indicate that PKH social assistance is at an optimal level of effectiveness in overcoming poverty and needs to be improved again in order to achieve maximum effectiveness. The distribution of social assistance is not by one of the principles of Islamic economics, namely the principle of justice where there are KPM who do not receive assistance that should be their right so the PKH distribution mechanism needs to be reviewed. The research results can serve as a basis for improving the PKH program to be more effective in achieving poverty alleviation goals and help formulate more effective and sustainable poverty reduction policies in line with the principles of justice in Islam
The Phenomenon of Bang-Abang (Bank Titil) According to a Review of Fiqh Muamalah Dharojah, Ulya; Wahid, Khodimul; Kholid, Kholid
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26596

Abstract

This study examines the phenomenon of bang-abang, which is the term used by the people of Bangkalan to refer to loan sharks in the Kasorjan market in Bangkalan District, Bangkalan Regency, which is a market located in the densely populated center of Bangkalan. The market is a place where sellers and buyers meet to conduct transactions. As time goes by, the market has become more than just a place where sellers and buyers meet to conduct transactions.  The large number of people who gather at the market is also used to offer financial services, one of which is titil banks that offer loan services. This study uses a qualitative Islamic phenomenological method, conducting observations and interviews, as well as analyzing the conformity of transactions carried out by bang-abang with the teachings of Islamic muamalah fiqh. The results of this study indicate that the loan transactions conducted by the bang-abang are not in accordance with Islamic law because they involve interest, which is clearly prohibited. This may occur due to a lack of understanding and awareness among the community regarding transactions that comply with Islamic law, as well as unstable economic conditions and urgent community needs
Kontribusi Tabungan Emas Pegadaian Syariah terhadap Ketahanan Finansial Masyarakat dalam Perspektif Ekonomi Syariah Badzlina, Adibah; Arifin, Sirajul
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26448

Abstract

This research aims to examine the contribution of gold savings in strengthening the financial resilience of society from an Islamic economic perspective. Pegadaian Syariah's gold product is an Islamic financial innovation that provides access to gold investment with small denominations, using the murabahah contract for buying and selling transactions and the wadiah contract for safekeeping mechanisms. The method used is a literature study, examining reputable journals, proceedings, official reports, DSN-MUI fatwas, and Sharia Pawnshop publications. The study results indicate that gold savings serve as a safe, transparent, and halal investment instrument, and are effective as a hedge against inflation and global economic factors. Recent gold price data showing a consistent upward trend strengthens gold's role as a safe haven. From a Sharia economic perspective, gold savings reflect the value of the maqashid al-syariah, particularly hifz al-mal (protection of wealth), while also supporting Sharia financial literacy and inclusion. Compared to other Sharia instruments, gold savings are simpler, more inclusive, and easier for the general public to understand. Thus, Pegadaian Syariah's gold savings can be positioned as an important pillar in building the financial resilience of the community based on Sharia principles
Zakat Management: Challenges and Solution for Zakat Management Institutions in Indonesia Asytuti, Rinda; Nadhifa, Ayu Azra; Zamrie, Nazla Aqila; Kurnifiana, Ratih
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26262

Abstract

The main objective of this study is to analyze the crucial role of Islamic economic institutions namely the National Zakat Agency (BAZNAS), Zakat Institutions (LAZ), and Zakat Collection Units (UPZ) in optimizing zakat management in Indonesia. In addition, this study comprehensively identifies the main challenges faced by these institutions and formulates prospective improvement strategies. Using a descriptive qualitative approach based on an in-depth literature review and relevant secondary data analysis, the results of the study confirm that Indonesia has established a solid legal and institutional framework for zakat. However, optimization is hampered by several persistent issues, including the need to improve the institutional capacity of amil, low public awareness and participation, limitations in reporting transparency, and the use of a digital system that is not yet fully integrated. Strategic steps are needed to improve the professionalism of zakat administrators, strengthen accountability through good governance, promote a more equitable and even distribution of zakat, and extensively develop technology- and digital-based zakat services. By integrating technological innovation and the principles of good governance, zakat management can be optimized. These efforts are important for realizing social justice and sustainable community welfare in Indonesia.
Tradisi “BASOKEK” dalam Perspektif Ekonomi Islam: Studi Kasus pada Pembagian Zakat Pertanian di Jorong Supanjang Tanah Datar Ramadhani, Asri Tesi; Fahlefi, Rizal; Lutfi, Ahmad
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26740

Abstract

This study aims to analyze the meaning, value, and relevance of Basokek in the context of contemporary Islamic economic distribution. A The Basokek tradition of distributing zakat from agricultural produce in Jorong Supanjang is a form of integration between Minangkabau traditional values and Islamic economic principles. Using a qualitative approach with a case study method and interactive analysis by Miles & Huberman, data were collected through in-depth interviews with four key informants, field observations, and documentation. The results show that Basokek reflects the implementation of the principles of distributive justice (al-‘adl), trustworthiness (al-amānah), gratitude (assyukr), and mutual assistance (ta’awun) which are rooted in the teachings of the Qur’an and Sunnah. This tradition also represents the implementation of maqashid sharia, especially in safeguarding wealth (hifz al-mal) and social life (hifz al-nafs). In a modern context, Basokek has the potential to become a model for community-based zakat distribution that aligns with local values and the formal zakat institutional system. This research confirms that Islamic economics is not only embedded in the formal system but is also deeply rooted in the culture and spirituality of Muslim communities. The implication is that the baseokek tradition can provide benefits to the surrounding community, such as strengthening the community's economic resilience and has the potential to be widely adopted as a basis for reformulating national zakat distribution in a modern contectnces
Optimalisasi Sumber Pendapatan Publik Islam Melalui Model Islamic Circular Fiscal System (ICFS): Perspektif Keuangan Berkelanjutan Saparuddin, Saparuddin; Hasanuddin, Muhammad
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26376

Abstract

This study develops the Islamic Circular Fiscal System (ICFS) as a conceptual model for optimizing Islamic public revenue sources in a sustainable manner. Using a qualitative-descriptive approach based on library research, this study integrates the principles of maqāṣid al-sharīʿah, circular economy theory, and Islamic fiscal policy literature to formulate circular mechanisms in the management of zakat, infaq, and waqf. The results of the study introduce two main frameworks: the Circular Fiscal Governance Framework (CFGF), which functions as a model for institutional governance and coordination between Islamic fiscal institutions, and the Circular Fiscal Performance Index (CFPI), which is proposed as an evaluative instrument for circular fiscal effectiveness. Through the ICFS approach, this study emphasizes the importance of integrating sharia values with economic sustainability principles in forming a productive, fair, and transparent Islamic fiscal system. The study also highlights the role of digital governance, public-private partnerships, and the strengthening of Islamic financial instruments (such as waqf sukuk) as prerequisites for ICFS implementation. Due to its conceptual nature, this study recommends empirical testing of the effectiveness of CFGF and CFPI in the practice of Islamic fiscal policy in the future

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