Jurnal Ekonomi Syariah Pelita Bangsa

Implementasi Sukuk Sebagai Instrumen Keuangan Syariah Dalam Pembangunan Infrastruktur

Indah Permata Sari, Hayifah Sasi Firmadi — Sat, 19 Apr 2025 14:31:01 +0000

This study aims to explore and analyze the implementation strategy of sukuk as a sharia financial instrument that can support sustainable infrastructure development in Indonesia. Specifically, this study aims to identify how sukuk can function as an effective and efficient source of financing, as well as understand the obstacles faced in its implementation, including regulatory aspects and public understanding. The method used in this study is a qualitative approach with secondary data collection through literature studies, which include scientific journals, policy reports, and related official documents. The results of the study indicate that sukuk has great potential to increase transparent and accountable fund allocation, as well as accelerate infrastructure development. However, obstacles such as lack of public understanding and suboptimal regulations are still significant challenges. This study recommends the need to increase sharia financial literacy and improve regulations so that sukuk can be implemented more effectively in supporting infrastructure development in Indonesia.

Islamisasi Konsep Pajak Menurut Syed M. Naquib Al-Attas

Niken Baramurti Evieta Enggar Sandy, Sarina Junita, Helmi Syaifuddin — Sat, 19 Apr 2025 15:05:41 +0000

This study discusses the concept of tax Islamization according to Syed M. Naquib Al-Attas, where Al-Attas argues that tax Islamization aims to reform the taxation system to comply with sharia principles, which emphasize justice, social responsibility, and economic sustainability. Within the framework of Islamization, tax is not only seen as a fiscal instrument, but also as a spiritual and social means to achieve community welfare. Al-Attas proposes the integration of zakat as the main mechanism in replacing the conventional tax system, by highlighting the importance of Islamic ethical values, such as tauhid, amanah, and ihsan, in tax management. This study uses a qualitative method with a literature study approach. The results of this study indicate that the concept of tax according to al-Attas must be integrated with Islamic principles, because there are secular elements in the existing tax concept, so that tax can be a tool to achieve justice and community welfare.

The Role of Productive Zakat In Promoting Economic Independence A Case Study of LAZISMU Pamekasan

Sri Wahyuni, Siti Maisaroh, Jaysal Vicry — Sat, 19 Apr 2025 15:55:02 +0000

Poverty remains a significant issue in Indonesia, particularly in Pamekasan. This study examines the role of productive zakat managed by LAZISMU Pamekasan in fostering economic independence among mustahik (zakat recipients). Unlike consumptive zakat, productive zakat provides capital and skill training, enabling recipients to develop sustainable livelihoods. A qualitative approach, including in-depth interviews and participatory observation with mustahik and zakat managers, was employed. The findings reveal that productive zakat effectively increases mustahik’s income, facilitates the establishment of new businesses, and creates job opportunities. Furthermore, the program empowers mustahik to manage their businesses independently, significantly reducing dependence on consumptive zakat. The results highlight the potential of productive zakat in promoting economic independence and alleviating poverty sustainably. This initiative can serve as a replicable model for zakat institutions aiming to enhance community welfare through sustainable economic development

Analisis Hukum Islam Terhadap Transaksi Jual Beli pada Platform Steam

Rahadian Rasyid Alyasa, Ganjar Eka Subakti — Sat, 19 Apr 2025 16:45:42 +0000

This study examines the Islamic legal perspective on online game transactions through the Steam platform, focusing on aspects of ownership, content, legality, and benefits. The research method uses a qualitative approach based on literature studies that analyze secondary data from various sources. The results of the study show that Muhammadiyah, Nahdlatul Ulama (NU), and Persatuan Islam (Persis) have different but complementary views. Muhammadiyah emphasizes the importance of clarity of ownership and understanding of the terms of service, NU prioritizes transparency and moral supervision, while Persis is critical of the potential for losses due to limited property rights. These three organizations agree that transactions must be in accordance with sharia principles, the legality of the platform must comply with Islamic rules, and game content must reflect moral and religious values. In addition, Steam is considered to have positive educational and entertainment benefits if used wisely and supervised. This study provides a comprehensive understanding of the legality of transactions on digital platforms from an Islamic perspective.

Implementasi Untuk Meningkatkan Kinerja UMKM Terhadap Kemampuan Menghadapi Daya Saing Pada Sektor Kuliner di Kecamatan Karang Bahagia

Sat, 19 Apr 2025 17:48:35 +0000

This study aims to examine the impact of quality management implementation on improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector in Karang Bahagia District. Using a quantitative method based on questionnaires, data were collected from 88 MSME operators to analyze the level of quality management principles implementation, the factors influencing it, and its impact on business performance. The findings reveal that most MSME operators have implemented basic quality management elements such as Standard Operating Procedures (SOPs) and quality control, although aspects such as internal audits and performance measurement remain limited. Factors such as knowledge, training, owner involvement, and capital constraints were identified as key determinants of successful quality management implementation. MSMEs that adopted quality management practices demonstrated significant improvements in product quality, operational efficiency, sales, and customer loyalty. This study provides both theoretical and practical contributions to the development of more effective quality management strategies in the MSME sector.

Efektivitas Penggunaan Quick Response Code Indonesian Standard (QRIS) Sebagai Alat Pembayaran Di Kalangan Generasi Baru Indonesia Purwokerto Berdasarkan Akad Wadi’ah

Danica Salsava Tanusi, Encep Saepudin — Mon, 21 Apr 2025 04:57:55 +0000

The purpose of this study was to determine the effectiveness of using the QRIS feature as a means of payment among GenBI Purwokerto, to determine the factors that influence interest in using QRIS as a means of payment among GenBI Purwokerto, and to determine the implementation of the wadi'ah contract on the use of QRIS as a means of payment. The method used was qualitative method with the type of field approach (field research). The data collection techniques used were observation, interview, documentation. The results of this study indicate that QRIS as a means of payment among GenBI Purwokerto is effective that using QRIS is universal, easy, profitable, direct, the factors that influence GenBI Purwokerto using QRIS provide speed, convenience, cheap, safe, and reliable in the transaction process and the implementation of the wadi'ah contract, especially the wadiah yad adh-dhamanah contract occurs between the issuer and the e-money holder, where when carrying out the transaction process the nominal amount paid automatically goes to the e-money holder's account by being entrusted to the issuer.

Pengaruh Motivasi Kerja dan Stress Kerja terhadap Kinerja Karyawan Jasa Pengiriman Online

Iwan Santoso, Ignatius Andre Siboro — Mon, 21 Apr 2025 07:22:28 +0000

The challenge faced by companies in the field of human resources is to find ways to increase work motivation and alleviate the impact of work stress so that it can ultimately enable employees to achieve organizational goals. The purpose of this paper is to test the influence of work motivation and work stress on employee performance both partially and simultaneously. The analysis method used is quantitative verification analysis using the help of SmartPLS 4.0 software. The type of data used is primary data obtained through questionnaires filled out by 50 employees working in online delivery services. Data analysis has met the criteria for valid and reliable. Where the results of the study show that there is a positive and significant influence both partially and simultaneously between work motivation and work stress on the performance of online delivery service employees.

Analisis Dampak Ketidakpahaman Nasabah terhadap Akad Syariah dalam Produk Tabungan Haji dan Umroh

Taufiq Kurniawan — Mon, 21 Apr 2025 08:03:32 +0000

The existence of a contract is a very important matter in a transaction according to Islamic economic law. This contract is valid if all the pillars and conditions of the contract are fulfilled. Many Indonesian Muslims want to perform the hajj pilgrimage but do not have enough funds. Therefore, BPRS Harta Insan Karimah Bekasi introduced a hajj and umrah savings product with the mudarabah concept, namely that customers can only withdraw their savings if they have reached the minimum amount to perform the hajj pilgrimage. This study was conducted to determine how customers understand the contracts that have been used in this product. Data collection was carried out by interviewing BPRS HIK Bekasi and customers who save on the product. This study found that in general, customers do not fully understand the nature of the contracts used in hajj and umrah savings products. They are also not ready to bear the risk of loss from the management of their funds. In practice, BPRS HIK Bekasi provides voluntary security guarantees for mudarabah capital. Although in a mudarabah agreement, capital funds cannot be guaranteed against losses, there are opinions that allow this if done voluntarily.

The Impact Of Perceptions On The Adoption Of Sharia P2P Lending

Riski Sumarnah, Anniza Citra Prajasari — Mon, 21 Apr 2025 08:56:52 +0000

Financial Technology (Fintech) merupakan bukti inovasi di sektor jasa keuangan yang sangat memudahkan akses masyarakat. Fintech tidak hanya digunakan untuk transaksi jual beli, tetapi juga dapat menjadi platform untuk pinjam meminjam secara daring, seperti pada P2P lending syariah. Penelitian ini mengkaji pengaruh Literasi Keuangan, Literasi Digital, Persepsi Kegunaan, Persepsi Kemudahan Penggunaan, Norma Subjektif, dan Persepsi Risiko terhadap minat penggunaan P2P lending syariah di Indonesia. Sampel penelitian berjumlah 173 partisipan dari Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan model analisis PLS-SEM, dengan analisis data menggunakan alat bantu SmartPLS 4. Hasil penelitian menunjukkan bahwa Persepsi Risiko dan Persepsi Kegunaan berpengaruh signifikan terhadap minat penggunaan P2P lending syariah. Sebaliknya, Literasi Keuangan, Literasi Digital, Persepsi Kemudahan Penggunaan, dan Norma Subjektif tidak berpengaruh signifikan terhadap minat penggunaan P2P lending syariah di Indonesia.

Pergeseran Tren You Life Only Once ke You Need Only One (Pola Konsumsi Gen Z Perspektif Ekonomi Syariah)

Mutmainnah, Abdul Wadud Nafis, Wiwik Nur Cahyani, Mahfiyah, Afifatul Aliya — Mon, 21 Apr 2025 10:29:44 +0000

This study aims to examine changes in consumption behavior, analyze the influence of a hedonistic lifestyle, and review findings from an Islamic economic perspective. A descriptive quantitative approach was employed, with data collected through an online questionnaire completed by 186 Generation Z respondents in Jember Regency. The t-test results indicate that the YONO trend has a significantly positive impact on awareness of essential consumption, whereas YOLO has a significantly negative impact on awareness of essential consumption. The F-test results show that both YONO and YOLO have a significant positive influence on awareness of essential consumption. These findings suggest a shift from a consumerist culture toward a more prudent and efficient consumption pattern that prioritizes essential needs, aligning with the principles of consumption in Islam among Generation Z in Jember Regency.

Pengaruh Tingkat Kesehatan, Pendidikan, Dan Pendapatan Terhadap Produktivitas Tenaga Kerja Di Kota Padang Panjang

Jefri Mahendra, Alimin, Himyar Pasrizal — Mon, 21 Apr 2025 12:51:50 +0000

An abstract is often presented separate from the article, so it must be able to The purpose of this study is to analyze partially and simultaneously the influence of the human development index, health, education and income on labor productivity in Padang Panjang City. The type of research that the author uses is causative research using secondary data. The data in this study were collected by the author through the official website of the Padang Panjang City Central Statistics Agency and the official website of the West Sumatra Province Central Statistics Agency. Data processing using multiple linear regression analysis with data processing tools is SPSS. The results of the study show that partially the variables of health, education and income have a significant effect on labor productivity in Padang Panjang City. Simultaneously, the variables of health, education and income have a significant effect on labor productivity in Padang Panjang City with a very good level of influence of 82.2%, while the remaining 17.8% is explained by other variables outside this study.

Analisis Faktor yang Memengaruhi Keputusan Pedagang Warung Sembako di Desa Waringin Jaya dalam Membayar Zakat Perdagangan

Andi Suhandi, Dede Nur Iskandar, Bayu Umara, Enur Hotimah, Novi Yulianti — Tue, 29 Apr 2025 00:00:00 +0000

Trade zakat is one of the religious obligations for Muslims who meet certain criteria in commercial activities. However, the level of zakat compliance among small-scale traders remains relatively low, often due to various internal and external factors. This study aims to identify and analyze the factors influencing the decision of grocery store traders in Waringin Jaya Village to pay trade zakat. The research employs a quantitative approach using a field survey method. Primary data were collected through questionnaires with a 5-point Likert scale, distributed to 80 respondents. Secondary data were sourced from relevant literature such as books, journals, and scientific articles. The data were analyzed using validity and reliability tests as well as factor analysis with SPSS software. The results show that religiosity, perception, and motivation are the main factors influencing traders’ decisions. Religiosity was the most dominant factor with a Total Variance Explained of 28.751%. This indicates that traders with strong religious values are more likely to fulfill their zakat obligations. The study highlights the importance of spiritual awareness and community-based religious education in increasing zakat compliance.

Evaluasi Kelayakan Finansial Usaha Peternakan Ayam Broiler di CV Cendana Farm Indonesia

Irfan Maulana Ahsan, Hayatul Millah, Cici Widya Prasetyandari — Tue, 29 Apr 2025 00:00:00 +0000

This study aims to evaluate the broiler poultry business at CV Cendana Farm Indonesia, Dandang unit, which has a chicken population of 24,000. The study will discuss the comparison between revenue, production costs, and profits from the broiler poultry business, as well as assess its financial feasibility through calculations of NPV, IRR, PI, PP. The research method used is a descriptive quantitative approach, with primary data obtained through interviews with staff and directors, while secondary data is taken from financial reports over 12 harvest periods. The financial feasibility evaluation is conducted using calculations of NPV, IRR, PI and PP. The results show that the business is not feasible in the short term (NPV -445,634,638, IRR -8%), but feasible if operated for 5 years (NPV 992,170,708, IRR 46.8%). A PI greater than 1 (1.32) and a PP of 1 year 8 months indicate long-term profitability.

Pengaruh Investasi dan Indeks Pembangunan Manusia (IPM) Terhadap Pertumbuhan Ekonomi di Provinsi Jawa Timur

Safinatun Najah, Hayatul Millah, Yeni Kartikawati — Tue, 29 Apr 2025 00:00:00 +0000

The goal of this study is to see how East Java Province's GDP has increased in connection to investment and the Human Development Index (IPM). This research focuses on economic development, investment, and IPM figures collected from East Java Province between 2019 and 2023. The sample of secondary data includes the entire province of East Java. This study uses a quantitative approach, including t-tests, F-tests, coefficient of determination tests, and multiple linear regression analysis. We used SPSS version 23 to examine the data. This study demonstrated no significant impact of investment or IPM on economic growth in East Java Province, either alone or in combination.

Implementasi Maqasid syariah Pada Pemiayaan BSI Pensiun Sebagai Solusi Keuangan Syariah Berkelanjutan

Fio Aditya, Hayatul Millah, Ahmad Fajri — Wed, 30 Apr 2025 00:00:00 +0000

This study aims to analyze the implementation of Maqasid Sharia in the BSI Pensiun financing product and evaluate its role as a sustainable, inclusive, and holistic Islamic financial solution for retirees in Indonesia. Using a descriptive qualitative approach, the research explores the extent to which the principles of Maqasid Sharia – namely the preservation of religion, life, intellect, lineage, and wealth – are reflected in the pension financing scheme. The findings indicate that BSI Pensiun serves not only as an economic financing tool but also as a means of safeguarding Islamic values in daily life. This study recommends enhancing public awareness regarding the benefits of Maqasid-based Islamic financing and fostering product innovation to expand its reach and impact in the future. These findings contribute to the development of more responsive, relevant, and Sharia-aligned Islamic financial products.

Determinan Pertumbuhan Deposito Mudharabah Pada Bank Umum Syariah Di Indonesia

As’adinnas, Ahdiyat Agus Susila, Cici Widya Prasetyandari — Tue, 20 May 2025 13:14:36 +0000

This study aims to analyze the impact of profitability, capital adequacy, operational efficiency, and problematic financing on the growth of mudharabah deposits in Islamic banks in Indonesia for the period 2019-2023. The method used in this study is a quantitative method with secondary data obtained from the annual financial reports of Islamic banks. The data analysis technique uses multiple linear regression. The findings suggest that only the variable (ROE) has a significant impact on mudharabah deposits, while the CAR, BOPO and NPF variables do not have a significant impact. The coefficient of determination (adjusted R2) suggest that the four independent variables simultaneously explain 32.6% of the variation in mudharabah deposit growth. This finding shows the importance of profitability in attracting customer interest in mudharabah deposit products, while other factors require further study. The study provides implications for Islamic bank management to focus more on improving profit performance in order to increase fund collection from mudharabah deposit products.

Pengaruh Inflasi, Suku Bunga, dan Kurs Terhadap Return On Asset Pada Bank Umum Syariah

Moh Rizal Kurniawan, Abd. Ghafur, Yeni Kartikawati — Fri, 23 May 2025 10:43:17 +0000

This study aims to evaluate the extent of the influence of inflation, interest rates, and exchange rates on Return on Asset (ROA) in Islamic Commercial Banks during the period 2022 to 2024. The approach used in this study is quantitative with a causal associative method, which is designed to test the cause-and-effect relationship between variables. The independent variables analyzed include inflation, interest rates, and exchange rates, while ROA is the dependent variable in this study. The findings from the analysis show that inflation has a positive and significant influence on ROA. In contrast, interest rates and exchange rates show a negative influence on ROA in Islamic Commercial Banks. Simultaneously, the three independent variables are proven to have a significant effect on profitability performance reflected through Return on Asset.

Analisis Tingkat Kesehatan Bank Umum Syariah Yang Terdaftar di BEI Dengan Menggunakan Metode RGEC

Jalaluddin, Hayatul Millah, Ahmad Fajri — Mon, 26 May 2025 07:40:56 +0000

This study aims to analyze the financial health of Islamic commercial banks listed on the Indonesia Stock Exchange (IDX) using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital) during the 2021–2024 period. This is a descriptive quantitative study with a documentation approach based on annual reports. The sample consists of four banks selected purposively. The results show that, in general, the four banks are in a healthy condition. Financing risk (Non-Performing Financing/NPF) and liquidity risk (Financing to Deposit Ratio/FDR) fall into the good category. GCG assessment indicates a reasonably sound level. In terms of Earnings, Return on Assets (ROA) and Operating Efficiency Ratio (BOPO) reflect relatively good financial performance despite annual fluctuations. Meanwhile, the Capital Adequacy Ratio (CAR) shows a very strong Capital position. These findings conclude that Islamic commercial banks listed on the IDX have maintained their financial health throughout the observation period, although improvements in operational efficiency and corporate governance are still needed.

Pengaruh Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa FEBI UNZAH

Nur Hafifa, Hayatul Millah, Nailin Nikmatul Maulidiyah — Wed, 04 Jun 2025 09:18:25 +0000

This study aims to examine the influence of electronic money usage on the consumptive behavior of FEBI 21 students at Zainul Hasan Genggong University (UNZAH). The background of this research is based on the increasing use of electronic money among students, which is suspected to contribute to more impulsive and trend-driven consumption patterns. This research employed a quantitative method using simple linear regression analysis. The sample consisted of 30 respondents. The results show a very strong relationship between electronic money usage and consumptive behavior, indicated by a correlation coefficient (R) of 0.840 and a coefficient of determination (R²) of 0.706. This means that 70.6% of the variance in consumptive behavior can be explained by electronic money usage. The significance test (ANOVA) indicates that the regression model is statistically significant (sig. = 0.000), and the t-test also confirms that electronic money usage has a positive and significant effect on consumptive behavior (sig. = 0.000). In conclusion, electronic money usage has a significant influence on the consumptive behavior of FEBI 21 students at UNZAH.

Peran Kelompok Tani Dalam Meningkatkan Pemberdayaan Petani Kopi Kabupaten Probolinggo

Muhammad Yoga kurniawan, Hayatul Millah, Cici Widya Prasetyandari — Tue, 10 Jun 2025 12:40:24 +0000

This study aims to analyze the role of farmer groups in enhancing the empowerment of coffee farmers in Kalianan Village, Krucil Subdistrict, Probolinggo Regency. Empowerment is examined through three stages: Enabling (creating a conducive climate), Empowering (strengthening capacity), and Protecting (protecting farmers). The study uses a descriptive qualitative approach with data collected through observation, in-depth interviews, and documentation. The results indicate that farmer groups significantly contribute to providing technical education, coffee processing training, and protection against market injustice and crop pests. Supporting factors include active farmer participation and village government support, while inhibiting factors involve farmers' lack of awareness and limited ongoing education. Overall, farmer groups play a positive role in increasing the independence and competitiveness of coffee farmers sustainably.