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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 106 Documents
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Peran Media Sosial Dalam Meningkatkan Daya Saing Usaha Kecil Menengah Edji, Syahdani Nazwa; Zidane Nasution, Muhammad Raihan
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 9 | No. 2 | 2023
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.19702

Abstract

Karena kemampuan mereka untuk beroperasi secara mandiri dan kebutuhan modal yang rendah, usaha kecil dan menengah (UKM) menarik bagi pedagang independen. Kebangkitan UKM memberikan manfaat bagi pertumbuhan ekonomi Indonesia dan pembangunan regional karena dapat menciptakan lapangan kerja, memberikan kontribusi terhadap pembangunan negara, meningkatkan kesejahteraan masyarakat, dan meningkatkan stabilitas di tingkat nasional. Persaingan akan selalu terjadi di dalam setiap usaha atau bisnis. Justru dengan adanya persaingan setiap pelaku usaha akan memperbaiki produk, pelayanan, dan memberikan yang terbaik bagi pelanggannya. Penelitian ini menyajikan data dari focus group talk dan analisis publikasi sebelumnya dari database Google Scholar dengan menggunakan teknik penelitian kualitatif. Agar siap untuk analisis konten lebih lanjut, analisis konten artikel dilakukan untuk memetakan subjek dan tema utama yang telah dibahas sepanjang waktu dalam database Google Cendekia. Peningkatan daya saing ini bisa dilakukan dengan upaya meningkatkan dan mempertahankan kualitas produk, pengembangan teknologi, dan kapasitas pelaku UKM
Kebijakan Sertifikasi Halal: Intervensi Agama-Negara dan Respon Pedagang Malioboro laode, Abdullah
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 9 | No. 2 | 2023
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.20216

Abstract

The purpose of this article is to criticize halal policies in Indonesia. Halal in Indonesia was initially voluntary, and was issued by the social organization, the Indonesian Ulema Council (MUI). Then in 2014 the government under the Halal Product Guarantee Implementation Agency (BPJPH) took over through the Halal Product Guarantee Law No. 33 of 2014. Taking over halal authority from Community Institutions (MUI) caused halal which was previously voluntary to become an obligation. (mandatory). And its full implementation will take place in October 2024. The halal obligation of course means that the community, especially small and medium business actors such as those in Malioboro, are obliged to carry out halal certification. This research is field research and is qualitative in nature. From the research results, 10 informants who were interviewed by researchers, 5 informants agreed to the halal certification policy even though it was expensive, 3 informants did not agree to the halal certification policy because they had just found out that halal certification was paid, 2 other informants looked at the situation and conditions and followed it if it had been implemented sanctions from the government regarding MSMEs that do not have a halal certificate
Pengaruh NPF, FDR dan BOPO Terhadap Profitabilitas Pada BCA Syariah (Periode 2015-2022) Muztaba, M; Suryani, Suryani; Hasanah, Irmatul
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 1 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i1.20083

Abstract

This study aims to determine the influence of Non-Perfoming Financing (NPF), Financing to Deposit Ratio (FDR) and Operating Costs of Optional Income (BOPO) on profitability (ROA) and (ROE) in BCA Syariah for the 2015-2022 period. This study uses a quantitative method with secondary data obtained from the official website of BCA Syariah. The sampling method through purposive sampling with research data analysis techniques includes classical assumption test, multiple linear regression test, and hypothesis test, The conclusion of the hypothesis test partially shows that NPF and FDR have no effect on Profitability (ROA), while FDR and BOPO have no effect on Profitability (ROE) in BCA Syariah. Meanwhile, simultaneously Non-Perfoming Financing (NPF), Financing to Deposit Ratio (FDR) and Operating Income Ratio (BOPO) affect the Profitability (ROA) of BCA Syariah. This is different from the ROE results which show that simultaneously Non-Perfoming Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Income Ratio (BOPO) have no effect on the Profitability (ROE) of BCA Syariah
Analisis Permasalahan Inflasi Dalam Sektor Keuangan Syariah di Indonesia Cindy, Cindy Rama; Yarham, M.
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 9 | No. 2 | 2023
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.17720

Abstract

                This journal reviews the problem of inflation in the Islamic financial system. Inflation is a general and continuous increase in the prices of goods and services over a certain period of time. An increase in the price of just one or two goods cannot be called inflation unless the increase spreads or results in an increase in the prices of other goods. This research aims to find out whether inflation has an effect on the economy in Indonesia, and what factors influence the occurrence of inflation. The type of method in this writing is qualitative. The research data instrument is secondary data which is publication data that has been collected by other parties.
Maksimalisasi Anggaran Sebagai Tolak Ukur Kepuasan Konsumi Dalam Pandangan Ekonomi Islam Aswin, Aswin; Nurdin, Muhammad
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 1 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i1.20261

Abstract

This study defines consumption as using products and services, but it also emphasizes how crucial it is to addressing personal needs. The purpose of this study is to examine how budget maximization is viewed as a gauge of consumer happiness in Islamic economics. This research methodology combines a review of the literature with a qualitative approach. The study's findings demonstrate how, in the Islamic economic perspective, consuming is seen as a way to satisfy people's basic requirements. Religion is a major factor in influencing people's consumption decisions. Strong religious convictions will influence consumption in a significant way, affecting both this world and the afterlife.
Implementasi Prinsip-Prinsip Syariah Pada Lembaga Keuangan Syariah Arafah, Adinda; Anggraini, Dwi; Kinanti, Sabilla Cahya
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 9 | No. 2 | 2023
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.19709

Abstract

Penelitian ini bertujuan untuk mengulas prinsip-prinsip syariah yang diterapkan dalam lembaga keuangan syariah terutama pada perbankan syariah, dengan fokus pada evaluasi sejauh mana prinsip-prinsip Islam diimplementasikan. Penelitian ini dilakukan melalui analisis literatur terpilih yang membahas topik yang relevan. Studi literatur dalam penelitian ini merupakan bentuk penelitian yang melibatkan pengumpulan artikel jurnal yang sesuai dengan topik penelitian. Hasil penelitian mengindikasi bahwa teori menggarisbawahi prinsip-prinsip yang seharusnya diterapkan dalam perbankan syariah, seperti menghindari gharar, maysir, riba, ketidakadilan, ihtikar dan kebathilan. Namun, implementasinya di lapangan masih belum sepenuhnya mematuhi prinsip-prinsip syariah yang ada
Eksistensi Bisnis Konter Pulsa di Tengah Persaingan Era Digital Khadijah, Siti; Luqman, Luqman
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20935

Abstract

Research This research aims to examine the existence of the pulse counter business in the midst of the digital era. competition in the digital era. The focus of the research includes effective business strategies, market opportunities, and challenges faced. Descriptive qualitative method method was used with in-depth interviews, participatory observation, and document analysis at Indra's Pulse Counter in Pontianak. document analysis at Indra's Pulse Counter in Pontianak. The results of this study show the importance of service diversification and utilization of digital technology to improve operational efficiency and competitiveness. The main challenges include competition with digital platforms and declining pulse sales. Research identified that collaboration with telecommunications operators and customer service improvements are key strategies to maintain relevance of the pulse counter business. This research provides important insights into the adaptation of traditional businesses in the digital era, showing that despite the changing technology changes the market landscape, pulse counters remain relevant through service innovation and effective communication with customers. services and effective communication with customers. The findings are expected to can serve as a reference for businesses in designing strategies that are adaptive to technological developments and consumer needs. to technological developments and consumer needs.
Integrasi Prinsip ESG (Environmental, Social, Governance) Dalam Perbankan Syariah Purwanto, Hery
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21738

Abstract

This study aims to examine the incorporation of Environmental, Social, and Governance (ESG) principles in sharia banking through a qualitative approach based on library research. The research literature is utilized to explore theories, policies, and literature related to ESG implementation in the Islamic banking sector, drawing from various sources such as academic articles, industry reports, and relevant regulations. ESG has emerged as a global trend, urging financial institutions to embrace socially responsible practices. Islamic banking inherently aligns with ESG principles, encompassing values such as justice, social responsibility, and good governance. Despite the harmony between sharia and ESG, this research identifies several challenges in implementing ESG in sharia banking, including compliance with specific regulations, inadequate impact measurement tools, and instances of greenwashing that focus more on specific products like green sukuk and ESG integration. However, there exists a significant opportunity for Islamic banking to enhance ESG integration through the innovation of ESG-based financial products, such as productive waqf, which can support sustainable social and environmental projects. This research provides an original contribution by critically analyzing the challenges of ESG implementation in Islamic banking and offering recommendations to surmount these obstacles. The novelty of this research lies in uncovering the potential for broader ESG implementation in sharia-compliant banking, involving regulators, industry, and society as the main stakeholders. Recommendations also include the development of a more specific regulatory framework and incentives for Islamic banking to comprehensively integrate ESG.
Implementasi Akuntansi Pesantren Berbasis ISAK 35 di Madura Aulia, Fena Ulfa; Kulsum, Ummu; Laila, Nur; Wulandari, Sitti
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21396

Abstract

This research aims to identify and explore the extent to which Islamic boarding school accounting implementation in Madura is in accordance with ISAK 35 standards. Madura is known as a religious island with a majority Muslim population that still upholds religious values, besides being known as the religious island of Madura, it is also known as the island of santri, Due to the large number of Islamic boarding schools being established, currently the number of Islamic boarding schools in Madura is 1,386. In general, Islamic boarding schools in Madura are established in the form of foundations which are a form of non-profit organization founded by the community or a group of people and whose main aim is to provide social services without focusing on achieving profits. This research uses a descriptive qualitative approach, with primary data obtained through interviews and triangulation methods. This study was conducted at three Islamic boarding schools in three districts in Madura. The research results show that the three Islamic boarding schools have not implemented Islamic boarding school accounting in accordance with ISAK 35. The financial reports prepared are still simple and do not follow established accounting standards. In conclusion, the implementation of Islamic boarding school accounting in Madura is implemented differently with different formats in each Islamic boarding school because it does not yet refer to ISAK 35 due to limited human resources and unknowledge of Islamic boarding school administrators regarding accounting science
The Influence of Financial Knowledge and Islamic Behavior on Students' Interest in Sharia Investment Yuni K, Kusnul Ciptanila; Wahyudi, M. Adi Trisna; Musfiroh, Anita; Ali, Mohammad Haidar; Hidayat, Nurul; Dardiri, Masyhudan
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.21717

Abstract

This research explores the impact of financial knowledge and Islamic Behavior on students' investment interests in Islamic capital markets. The quantitative research method uses a questionnaire distributed online to students of the class of 2019-2023 at Hashim Ashari University's Faculty of Economics, with up to 80 participants participating. The study revealed that students' investment interest in the Islamic capital market is not significantly influenced by their financial knowledge but rather by the impact of their Islamic Behavior. This was demonstrated through an analysis. At the same time, financial expertise and Islamic Behavior influence students' interest in investing in Islamic capital markets. This finding is essential for understanding what drives business students' interest in investing in Islamic capital markets and how this affects the development of financial education programs and academic Behavior toward Islamic finance. The results of this study are intended to help develop more effective educational and promotional strategies to increase students' interest in investing in Islamic capital markets.

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