Journal Title : Jurnal Ilmiah Ekonomi Islam Short Title : JIEI Abbreviation : J. ilm. ekon. Islam Language : Indonesia Accreditation : Scientific and Technology Index (SINTA 4) Frequency : 6 issues every year (February, April, June, August, October and December) DOI Prefix : 10.29040/jiei ISSN : 2579-6534 (online); 2477-6157 (printed) Email : journal.jiei.aas@gmail.com (komunikasi hanya melalui Email saja secara resmi) Editor-in-Chief : Dr. Sumadi, S.E., M.E. Citation Analysis : Google Scholar Dimensions TEMPLATE JIEI dapat didownload pada tautan dibawah ini (SILAHKAN COPY dahulu lalu PASTE): bit.ly/templateJIEI-2025 Terbit pertama pada bulan Maret 2015. Redaksi mengundang para akademisi (dosen atau peneliti) dan praktisi terkait (Perbankan Syariah, Pemerintahan, LSM, dan lain-lain) untuk dapat mengirimkan artikelnya ke Jurnal Ilmiah Ekonomi Islam (JIEI). JIEI diterbitkan oleh LPPM Sekolah Tinggi Ilmu Ekonomi AAS Surakarta or LPPM ITB AAS Indonesia slot dana togel slot olx138 game slot online situs toto slot slot88 slot gacor https://trends.oecd-opsi.org/ slot dana togel900 togel slot https://sippdb-tanjungpinang.com/ slot gacor slot gacor Sekolah Tinggi Islam Negeri dentoto tokyoslot situs slot slot gacor toto slot wiltoto toto togel slot gacor slot gacor gampang menang batmantoto batmantoto slot dana toto slot togel online batmantoto toto slot slot gacor
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DETERMINAN INDEKS PEMBANGUNAN MANUSIA DENGAN PENDEKATAN MAQASHID SYARIAH ASY-SYATIBI: DI JAWA TIMUR
Indonesia is currently in an era of demographic dividend, which is expected to peak in 2035, when the majority of the population will be of productive age. This bonus is both an opportunity and a challenge, especially in the context of human development. This study aims to analyze the influence of five elements of Maqasid Shariah, namely Hifdz Ad-Din, Hifdz An-Nafs, Hifdz Al-Aql, Hifdz An-Nashl, and Hifdz Al-Mal on the Human Development Index (HDI) in 36 districts/cities in East Java in the period 2016-2020. Using panel data analysis and fixed effect model (FEM) method, the study found that Hifdz An-Nafs (health budget) and Hifdz An-Nashl (total population) have a significant positive effect on increasing HDI, while Hifdz Al-Aql (education budget) and Hifdz Al-Mal (GRDP per capita) have a positive but insignificant effect. On the other hand, Hifdz Ad-Din has a significant negative effect on HDI, indicating that increasing crime rates have an impact on reducing HDI. This research provides new insights into the integration of Sharia values into development strategies to create sustainable material and spiritual well-being.
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DIGITALISASI EMAS DALAM PERSPEKTIF SYARIAH: STUDI PADA EKOSISTEM BULLION BANK INDONESIA
This study aims to analyze the implementation of gold digitalization within the Bullion Bank ecosystem from a sharia perspective. The research is motivated by the rapid advancement of financial technology and the rising public interest in digital gold investment as a secure and sharia-compliant asset. Using a qualitative descriptive approach with a case study method, data were collected through interviews, document analysis, and literature review. The findings reveal that Bullion Bank integrates blockchain technology, sharia-compliant contracts (akad), and physical gold custodianship to ensure transparency and asset-backing (tangible underlying). The system complies with key sharia principles, such as avoiding riba (interest) and gharar (uncertainty), and ensuring qabdh hukmi (legal possession). Moreover, the application of smart contracts within blockchain technology strengthens transaction validity and ownership records in accordance with Islamic law. However, challenges remain in harmonizing regulations, conducting periodic sharia audits, and improving consumer literacy regarding digital gold ownership. The study contributes to the academic discourse on Islamic fintech by demonstrating how modern financial innovation can align with fiqh muamalah. It also offers strategic insights for regulators and industry stakeholders to develop sustainable, transparent, and sharia-compliant digital gold ecosystems in Indonesia. Keywords: digital gold, sharia, Bullion Bank, blockchain, Islamic fintech
THE EFFECT OF CASH WAQF AND FACILITY DEVELOPMENT TO ECONOMIC EMPOWERMENT OF PESANTREN
This paper aims to see how major the effect of cash waqf and pesantren facility utilization towards Pesantren’s economic empowerment, using case study approach to Indonesian pesantren. The data in this research are gathered through questionnaire and literature research through related topics. Questionnaire are answered by pesantren administrator from different institutions and will be analyse with a Partial Least Square (PLS) to see how big the influence of cash waqf and pesantren facilities on the factors related. This study finds that cash waqf played a significant role in Pesantren Economic Empowerment while supporting facility that reliable simply assets and business incubator, meaning the existence of capital to start pesantren’s entreprises is essential furthermore supported with assets and conducive atmosphere will resulting a faster growth of Pesantren economic empowerment. This research highlight the importance of cash waqf and facility for Pesantren economic empowerment, cash waqf seen as a more flexible, accessible, and practical source of fund. Keywords: Awqaf, Cash waqf, Waqf, Pesantren, Pesantren facility, Pesantren empowerment, Pesantren economic empowerment, Pesantren entreprises
PERFORMANCE OF ISLAMIC FINANCIAL INSTITUTIONS FROM THE PERSPECTIVE OF MAQASHID SHARIA
BMT Usaha Gabungan Terpadu Sidogiri, as a sharia microfinance institution, has uniqueness and different characteristics because it has a background as an Islamic boarding school. This study aims to empirically determine: 1) How is the performance of the BMT Usaha Gabungan Terpadu from the perspective of maqashid sharia?, (2) What is the performance model of the BMT Usaha Gabungan Terpadu from the perspective of maqashid sharia? This study uses a qualitative method with an emphasis on what is expressed, understood, and felt through the statements and interpretations of informants. The results of this study indicate (1) The performance of BMT Usaha Gabungan Terpadu Sidogiri meets the perspective of maqashid sharia, namely the existence of family welfare felt by the community has met the five aspects of maqashid sharia, (2) The research model of the performance of BMT Usaha Gabungan Terpadu Sidogiri shows different characteristics from other sharia financial institutions. Performance from the perspective of maqashid sharia is not seen from its ability to generate profits, but the benefits felt by members and the surrounding community in improving their welfare.
TRANSFORMASI PEMASARAN PRODUK HALAL: STRATEGI DIGITAL BERBASIS PRINSIP EKONOMI ISLAM BAGI UMKM DI SIDOARJO
This study aims to analyze the transformation of halal product marketing among Micro, Small, and Medium Enterprises (UMKM) in Sidoarjo Regency through the implementation of digital strategies based on Islamic economic principles. The background of this research lies in the rapid growth of the halal industry in Indonesia and the crucial role of UMKM in supporting local economic development. However, the adoption of sharia-compliant digital marketing still faces several obstacles, including limited digital literacy and a lack of understanding of Islamic principles in marketing practices. This research employs a qualitative descriptive approach with purposive sampling to determine informants, specifically halal UMKM actors who have utilized digital media for at least six months. Data were collected through in-depth interviews, participatory observation, and documentation of digital marketing activities. The data were analyzed using qualitative descriptive techniques, consisting of data reduction, data presentation, and conclusion drawing. The validity of the data was ensured through triangulation and the application of trustworthiness criteria. The findings reveal that most halal UMKM in Sidoarjo have used social media and marketplaces as their main promotional tools. The application of Islamic economic principles such as honesty, trustworthiness, and transparency has begun to be integrated, although not yet systematically structured within digital strategies. The main challenges include limited knowledge of sharia-based digital marketing, human resource constraints, and the lack of training and mentoring. Nevertheless, digital marketing has proven to increase sales, expand market reach, and strengthen the halal image of products. This study proposes a halal digital marketing strategy model emphasizing trading as an act of worship, product information transparency, Islamic content, halal payment systems, and consistent service.
The Comparison of the Effectiveness of Monetary Transmission of Conventional and Islamic Banking Credit in Indonesia and Its Relationship with Interest Rate Movements
Monetary transmission is aimed to stabilize prices and to increase output in the long run. This study compares the effectiveness of transmission of conventional and Islamic banking loans in Indonesia to the consumer price index (CPI) and industrial production index (IPI), to find out which transmission is more effective and the direction of its influence, and to see the role of credit interest rates or its equivalent to the amount of credit or financing as the most important variable in transmission, to test the authenticity of Islamic banks in relation to interest rates. Secondary data used is sourced from Bank Indonesia, Federal Reserve Economic Data, OJK, BPS, and BIS, by using the quantitative Vector Error Correction Model (VECM) method with the period of January 2009 – December 2017. The results of the study show that the transmission of conventional bank credit is more effective in influencing the monetary end target. Meanwhile, Islamic banks are actually more responsive than conventional banks towards increasing interest rates or their equivalent in the decision to grant financing, so it can be concluded that Islamic banking faces a higher risk of fluctuations in interest rates.
This study aims to analyze the influence of productive zakat utilization and mentoring on the welfare of mustahiq (zakat recipients) at the Baitul Mal of Bener Meriah Regency. Productive zakat is viewed as an important instrument for promoting the economic independence of recipients, while mentoring is expected to strengthen their managerial capacity and business sustainability. This research employs a quantitative descriptive approach with a population of 100 mustahiq and a sample of 50 respondents selected through a simple random sampling technique. Data were collected using questionnaires and analyzed through multiple linear regression with the assistance of SPSS version 18. The results show that productive zakat utilization has a positive and significant effect on the welfare of mustahiq (t-count 4.104 > t-table 2.014), whereas mentoring has no significant effect (t-count 1.136 < t-table 2.014). However, both variables simultaneously have a significant influence on mustahiq welfare (F-count 9.378 > F-table 2.802) with a coefficient of determination of 28.5%. These findings indicate that the effectiveness of productive zakat programs can be enhanced when accompanied by more intensive and continuous mentoring. The study provides practical implications for zakat management institutions to strengthen the mentoring aspect in their economic empowerment programs.
The Influence of Customer Trust, Administrative Fees, and Benefits on Customer Decisions to Use Wadiah Savings Products at Bank Syariah Indonesia (A Case Study of the Irsyadul ibad Foundation, Pandeglang)
Abstract This study aims to analyze the influence of customer trust, administrative fees, and perceived benefits on customers’ decisions to use Wadiah savings products at Bank Syariah Indonesia. A quantitative approach was employed through a survey conducted among teachers at the Irsyadul Ibad Foundation in Pandeglang. The results reveal that customer trust has a significant influence on the decision to use Wadiah savings, followed by perceived benefits. Meanwhile, administrative fees were found to have no significant effect. These findings highlight that improving customer trust and perceived benefits are the main drivers in encouraging customers to choose Islamic banking products. This research provides important implications for the development of marketing strategies and service improvements in the Islamic banking sector. Keywords: Bank Syariah Indonesia, Administrative Fees, Customer Trust, Customer Decision, Benefits, Wadiah Savings
BPRS Era Society 5.0: Strategi Digital Inklusif untuk Akselerasi Keuangan Hijau dan Inovatif Syariah di Indonesia
Digital transformation has become an imperative for Islamic Rural Banks (BPRS) in responding to the challenges and opportunities of the Society 5.0 era, where technology and human values are seamlessly integrated. This study aims to identify inclusive digital strategies that BPRS can adopt to accelerate the development of green and innovative finance based on Sharia principles. Employing a qualitative approach through literature review, this research examines recent scholarly works, Sharia regulations, financial authority reports, and government policies related to digitalization and sustainable finance. The findings reveal that BPRS digitalization grounded in financial inclusion and maqashid shariah holds strategic potential in promoting green financing, empowering Muslim communities, and enhancing financial literacy. Nevertheless, structural challenges, such as limited digital infrastructure and regulations that are not yet fully adaptive, remain significant barriers. This study recommends strengthening cross-sector collaboration, developing digital products rooted in Islamic values, and formulating policies that foster Sharia-compliant financial innovation with an environmentally friendly orientation as strategic directions for the future.
Analisis Kelayakan Anggota Dalam Pembiayaan Qardh Bisyarti Rahni di KSPPS-BMT Lima Satu Cabang Kedung
This study aims to analyze the eligibility of members in Qardh Bisyarti Rahni financing at KSPPS BMT Lima Satu Kedung Branch using the 6C assessment (Character, Capacity, Capital, Collateral, Condition of economy and Compliance). The research method used is descriptive qualitative, with data collection through in-depth interviews, documentation, and direct observation. The results of the study indicate that the eligibility of members in this financing is influenced by several factors, including financial capacity, previous financing history, and members' commitment to sharia principles that avoid usury, gharar and maysir. BMT Lima Satu not only provides funds effectively to support the utilization of financing by members. In addition, this institution implements strict procedures to ensure compliance with sharia principles. This research is expected to contribute to the development of more effective and efficient sharia financing products in the future, as well as improving the welfare of members through responsible financing access.
Linguistic Strategies of Religious Framing in Islamic Crowdfunding Platforms
This research aims to explore how religious language and discourse strategies are employed in Indonesian Islamic crowdfunding platforms to construct persuasive religious framing. The primary focus is on how Quranic expressions, Islamic moral appeals, and religious vocabulary are integrated into online campaign content—such as websites and social media—to influence donor perceptions, build institutional trust, and inspire charitable behavior. Through this study, the goal is to gain deeper insight into how religious discourse serves as both a legitimizing force and a persuasive tool within the digital Islamic economy, particularly in shaping the Islamic identity and credibility of philanthropic platforms like Dompet Dhuafa. The qualitative analysis of Dompet Dhuafa’s crowdfunding campaign texts identifies several linguistic techniques used to frame charity as a spiritually significant and socially impactful act. These strategies include religious lexical choices rooted in Islamic jurisprudence, eschatological appeals to afterlife rewards, emotionally resonant language to foster a sense of community, and clear calls to action supported by credibility claims. Campaigns are also contextualized within the Islamic calendar to enhance relevance and urgency, while moral appeals tie giving to broader ethical goals like promoting justice and preventing social harm. These discourse patterns collectively position sedekah as not merely a donation but an expression of faith, communal solidarity, and ethical responsibility. In addition, the campaigns make effective use of Qur’anic and prophetic references to deepen their spiritual appeal and strengthen religious framing. Thematic elements such as reward multiplication, spiritual purification, and paradoxical religious logic—where giving leads to increase—are drawn from Islamic scripture and Hadith. These messages not only motivate giving through fear and hope related to the afterlife but also encourage sincere, humble, and intentional acts of charity. By incorporating prophetic authority and embedding sedekah within both personal piety and ethical commerce, Dompet Dhuafa’s linguistic strategies succeed in constructing a powerful religious narrative that connects divine accountability, social justice, and digital philanthropy in a uniquely Islamic way. The language used in Dompet Dhuafa’s crowdfunding campaign strategically blends emotional appeal, religious motivation, and institutional trust to encourage donations. It employs Islamic terms, Quranic verses, and hadiths to emphasize the spiritual benefits of charity. Through inclusive calls-to-action, moral persuasion, and cultural framing, the campaign positions giving as both a personal act of worship and a communal responsibility, reinforcing its credibility and aligning with Islamic values.
THE EFFECT OF HALAL CERTIFICATION ON BRAND LOYALTY BY MEDIATION OF PURCHASE INTENTION TOWARDS LOCAL INDONESIAN PRODUCTS : THE CASE OF GEN-Z INDONESIA MALAYSIA BORDER
Indonesia, as the country with the largest Muslim population in the world, places great importance on halal certification in its food industry. The halal certification issued by the Indonesian Ulema Council (MUI) serves as official proof that food products comply with Islamic law, and it has become a key requirement for producers operating in this sector. This study aims to analyze the influence of Halal Certification on Brand Loyalty, both directly and indirectly through Purchase Intention as a mediating variable. Focusing on domestic consumers in a predominantly Muslim market, the research employs path analysis to examine the relationships among these variables. The findings show that Halal Certification positively and significantly affects both Purchase Intention and Brand Loyalty, while Purchase Intention also has a positive and significant impact on Brand Loyalty, confirming its mediating role. These results suggest that halal-certified products enhance consumer trust, stimulate purchasing intentions, and build long-term loyalty toward the brand. Consequently, Halal Certification emerges as a strategic element for strengthening brand competitiveness and consumer confidence in Indonesia’s food industry.
Does Islamic Attributes Matters? Empirical Study on Halal Tourism in Surakarta
Surakarta has a very diverse tourist potential. As a Muslim-majority country, Islamic attributes are thought to be influential in increasing tourist visits. Therefore, this study aims to explain how Islamic attributes, quality of service, destination image and tourist loyalty influence tourism in Surakarta. The type of research used is quantitative research with a random sample of 200 respondents from a population using simple random sampling techniques. The data collection was carried out using questionnaires that were distributed directly at some tourist points in Surakarta. Data analyzed using the Smart Partial Least Square model. In addition, Islamic attributes directly influence the image of tourist destinations in Surakarta with a t-statistic of 4,586 and a p-value of 0,000. The quality of service from tourism has a direct influence on the picture of the tourist destination in the city of Surakarta, with a statistic of 7,278 and p- value of 0.000. Furthermore, the Islamic Attribute directly influences the loyalty of tourists who have visited it with the statistic t-values of 4,072 and 0,000, and the quality of the service directly affects tourist loyalty so that tourists want to make a return visit with the t-static value of 3,236 and the p- value of 0.001. The Islamic destination attribute frequently seen and heard by the public in connection with tourism in Surakarta directly influenced tourists' loyalty with statistical values of 3,567 and p - value of 0,000. This study successfully proved that destination image variables, Islamic attributes, quality of service, and loyalty of tourists play an important role in halal tourism of the city of Surakarta as well as tourists who will visit or tourists that will make repeated visits.
A Analisis Kompensasi Kerja, Motivasi Kerja dan Lingkungan Kerja Islami Yang Mempengaruhi Kinerja Dosen dan Karyawan ITB AAS Indonesia
This study aims to analyze the effect of compensation, motivation, and Islamic work environment on the performance of Teachers and Employees at ITB AAS Indonesia. The analysis used is multiple regression analysis and uses data sourced from respondents. This type of research uses quantitative research with the data used is primary data and uses the questionnaire method in data collection. Based on the results of the analysis, it is known that compensation has a significant effect on employee performance from variable testing, it was found that H0 was rejected and Ha was accepted with a significant value of 0.001. Motivation has a significant effect on employee performance, from testing variables, it was found that H0 was rejected and Ha was accepted with a significant value of 0.039. The Islamic work environment has a significant effect on employee performance, employees from variable testing found that H0 was accepted and Ha was rejected with a significant value of 0.000.
ANALISIS PENGARUH SUKUK IJARAH TERHADAP PROFITABILITAS PERUSAHAAN YANG TERDAFTAR DI BURSA EFEK INDONESIA
The sukuk market in Indonesia has shown significant growth in recent decades. This study focuses on analyzing the effect of the Current Ratio (CR) and Sukuk to Equity Ratio (SER) on Return on Assets (ROA) in companies that issue Sukuk Ijarah. This study uses a quantitative approach and documentation method with panel data regression on 12 companies that issued sukuk ijarah during the period 2017–2024. The estimation model used is the Common Effect Model. Classical assumption tests were conducted, including multicollinearity and heteroscedasticity tests, which showed that there were no indications of multicollinearity and heteroscedasticity, so that regression analysis could be performed. The t-test results indicate that the Sukuk to Equity Ratio has no significant partial effect, while the Current Ratio has a negative and significant effect on ROA. This indicates that an increase in the Current Ratio will be followed by a decline in company profitability. However, based on the F test, both variables have a simultaneous effect on ROA. The coefficient of determination (R²) value shows that the model is able to explain 7.95% of the variation in ROA, while the rest is explained by other variables outside the model.
Transformation and development of the Islamic Capital Market in the Digitalization Era
The Islamic capital market in Indonesia has experienced significant development since its official establishment in 2003. Digital transformation has been a key factor in driving this market's growth by expanding investor access and improving transaction efficiency and transparency. This study employed a qualitative approach with a literature review method that analyzed various secondary sources, such as scientific journals, Financial Services Authority (OJK) regulations, fatwas from the National Sharia Council (DSN-MUI), and official documents related to the Islamic capital market. The results show that digitalization has significantly contributed to strengthening financial inclusion and Sharia-based supervision of Islamic stocks, sukuk, and mutual funds. Despite challenges such as low financial literacy and the need for regulatory standardization, digitalization opens up opportunities for inclusive and sustainable growth in the Islamic capital market. This study proposes strategic recommendations to strengthen synergy between the government, regulators, and market players in building a Sharia capital market ecosystem in the digital era.
Tinjauan Sistematis Tentang Integrasi Keuangan Digital dalam Pasar Keuangan Syariah: Risiko dan Tantangan
This study aims to identify and analyze the challenges and risks faced in the integration of digital finance in the Islamic financial market. The phenomena studied focus on regulatory uncertainty, limited digital infrastructure, and the difficulty of ensuring sharia compliance in the development of Islamic fintech products. The research approach used is the Systematic Literature Review (SLR) by following the PRISMA protocol to ensure the accuracy of literature selection. Data were collected from the Scopus and Web of Science databases, with publication criteria in the last eight years (2017–2025). A total of 23 selected articles were analyzed using thematic and narrative techniques. The results of the study indicate that the main challenges in the development of Islamic digital finance include regulatory asynchronous, limited public literacy, digital infrastructure gaps, and limited DPS (Sharia Supervisory Board) competence in technology supervision. The identified risks include the risk of sharia non-compliance, the risk of losing market trust, data security risks, and the risk of innovation stagnation due to delays in technology adaptation.
Implementasi Anjak Piutang Syariah dan Kesesuaiannya dengan Fatwa DSN-MUI No. 67 Tahun 2008 dan No. 117 Tahun 2018 Serta POJK No. 10 Tahun 2022: Studi Kasus PT Alami Fintek Sharia
Abstract Sharia factoring is a transfer of settlement of receivables or short-term bills from the party with the debt to another party who then collects the receivables from the debtor or the party appointed by the debtor in accordance with sharia principles. Sharia factoring itself has been used as a peer to peer lending sharia fintech product, also known as invoice financing or factoring financing. This study uses a qualitative research method in the form of a case study with an empirical legal approach using primary data through interviews with PT Alami Fintek Sharia. While secondary data obtained through various sources including; books, journals, archives as well as reports and publications that can be accessed through the website. The results of this study indicate that; First, the provisions for sharia factoring in the fatwa of DSN-MUI use a Wakalah bil Ujrah contract which can be accompanied by bailout funds (qarḍ) and LPBBTI provisions include legal entity provisions, share ownership, operator capital requirements, controlling shareholders, access and use of personal data, sanctions administrative and others. Second, sharia factoring at PT Alami Fintek Sharia is implemented in invoice financing products by fulfilling the provisions of good corporate governance. Third, the implementation of sharia factoring at PT Alami Fintek Sharia is in accordance with fatwa of DSN-MUI No. 67/2008 and No. 117/2018 and POJK No. 10/2022.
Inovasi Sistem Tracking Kuliner Halal Daerah Istimewa Yogyakarta Berbasis Android sebagai Upaya Mewujudkan SDGs di Era New Normal
MDGs (Millenium Development Goals) diberlakukan untuk menanggapi tantangan global yang targetnya adalah untuk mencapai kesejahteraan masyarakat, namun karena mendapat banyak kritikan maka MDGs pun berakhir, kemudian dirancanglah sebuah inisiasi yang serupa dalam menyempurnakan beberapa target yang dianggap lebih efektif untuk mencapai tujuan dalam pembangunan berkelanjutan secara global, yaitu SDGs (Sustainable Development Goals). Pada era yang sama, lahirlah sebuah isu dunia baru, yaitu industri halal yang merupakan sebuah kegiatan dalam memproses bahan baku hingga menghasilkan produk halal yang penggunaan sumber daya maupun prosesnya diizinkan oleh syariah (Islamic law). Tantangan SDGs dengan isu baru pada industri halal tersebut membuka peluang sektor dengan pertumbuhan ekonomi tercepat di dunia yaitu sektor pariwisata. Di era new normal setelah Indonesia diselimuti pandemi covid 19, sektor pariwisata mulai menjalankan operasionalnya kembali. Yogyakarta merupakan kota istimewa yang menyuguhkan beraneka ragam keindahan wisata alam, keunikan budaya, dan kuliner yang memanjakan lidah. Aspek wisata yang menjadi minat wisatawan di Daerah Istimewa Yogyakarta salah satunya adalah di bidang wisata kuliner. Kehalalan kuliner di Daerah Istimewa Yogyakarta ini mulai diperhatikan wisatawan, terutama yang beragama Islam. Terbatasnya akses informasi dan lokasi kuliner tersertifikasi halal dirasakan oleh wisatawan ketika berkunjung ke daerah ini. Dengan adanya pandemi covid 19 perkembangan teknologi informasi berkembang semakin pesat dan memunculkan cara baru dalam kehidupan yang dikenal dengan e-life. Era new normal dengan masyarakatnya yang sudah mulai mengimplikasikan e-life dalam kehidupan sehari-hari, ditandai dengan peran gadget yang tidak lepas dari keseharian seseorang di era sekarang memunculkan sebuah kebutuhan baru termasuk dalam sektor wisata kuliner. Aplikasi tracking kuliner halal Daerah Istimewa Yogyakarta berbasis android hadir untuk melacak kuliner tersertifikasi halal dengan mengintegrasikan aplikasi android dengan layanan Google maps dan Global Positioning System (GPS) sebagai integrasi dari Halal Center Indonesia dalam mewujudkan SDGs (Sustainable Development Goals) di era new normal. Penulis akan menggunakan metode waterfall, agar mudah diimplementasikan dalam pengembangan sistem, yang terdiri dari beberapa tahap yaitu analisis kebutuhan, mendesain sistem aplikasi dan juga database, serta implementasi aplikasi. Penelitian ini bertujuan untuk mendesain aplikasi tracking kuliner tersertifikasi halal di Daerah Istimewa Yogyakarta yang terdiri dari dua fungsi utama yaitu pengolahan data kuliner tersertifikasi halal dari sisi administrator dan aplikasi tracking kuliner untuk wisatawan. Harapannya pengembangan aplikasi ini kedepannya dapat digunakan sebagai pemandu wisatawan dalam mencari kuliner dan mendorong perkembangan kuliner tersertifikasi halal di Daerah Istimewa Yogyakarta.
PENGANTAR HUKUM PERBANKAN SYARIAH: PERKEMBANGAN, TANTANGAN, DAN PROSPEKNYA DI ERA DIGITAL
This study aims to analyze the development, challenges, and prospects of Islamic banking law in the digital era with a focus on legal certainty, data security, and Islamic digital literacy. This study uses a qualitative design with a case study approach on Islamic banks in Indonesia. The research setting was conducted in Jakarta as the center of Islamic banking regulation and practice. The research population included Islamic banking practitioners, regulators, and customers, while the sample was selected purposively. Data were obtained through in-depth interviews, document studies, and observations. The results show that Islamic banking regulations have undergone positive developments through the support of the OJK and DSN-MUI for the digitization of services. However, there are still major challenges in the form of unclear regulations on digital contracts, high cybercrime risks with an average of 120 attacks per month, and low Islamic digital literacy. On the other hand, the prospects for digital Islamic banking are very promising, supported by more than 196 million internet users in Indonesia. Thus, the success of the transformation of Islamic banking law in the digital era is highly dependent on the synergy of regulations, literacy, and the strengthening of security infrastructure.
Mosque-Based Sharia Financial Innovation To Improve The Welfare Of Village Communities In Indonesia
This study aims to analyze the implementation strategy of mosque-based Islamic financial innovations to improve the welfare of rural communities In Indonesia. The research method used is descriptive qualitative with a library research approach. Data analysis was conducted through data reduction, data presentation, and conclusion drawing, to obtain a systematic and comprehensive understanding. The results indicate that mosque-based Islamic financial innovations have significant potential as instruments for village economic empowerment. Various forms, such as mosque-based Islamic financial institutions (BMT), productive waqf, Islamic cooperatives, and the establishment of mosque-based Islamic Microfinance Institutions (LKMS), have been proven to improve community welfare by strengthening access to financing, creating jobs, and developing micro-enterprises. A key finding of this study is that program sustainability is largely determined by the existence of regular evaluation and monitoring mechanisms, active community participation, and strong regulatory support. Therefore, mosque-based Islamic financial innovations have the potential to become an alternative model for inclusive, equitable, and sharia-compliant village economic development.
Potensi Pengembangan Wakaf Uang Di Lembaga Wakaf Mutiara Tarbiyah Kota Palangka Raya
Penelitian ini bertujuan untuk mengidentifikasi potensi pengembanga Lembaga Wakaf Mutiara Tarbiyah (LWMT) dalam mengelola wakaf uang secara produktif dan berkelanjutan di Kalimantan Tengah, khususnya di Kota Palangka Raya. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui observasi, wawancara mendalam, dan dokumentasi. Analisis data dilakukan dengan menggunakan pendekatan analisis SWOT untuk mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman yang dihadapi lembaga. Hasil penelitian menunjukkan bahwa LWMT memiliki potensi yang besar dengan fondasi kelembagaan yang kuat, antara lain legalitas sebagai nazhir resmi dari BWI, struktur organisasi yang jelas, SDM yang tersertifikasi, serta sistem pelaporan berbasis PSAK 112. Dukungan dari Yayasan Mutiara Tarbiyah, jaringan wali murid aktif, serta kemitraan strategis dengan berbagai pihak, seperti Bank Indonesia, FEBI IAIN Palangka Raya, dan MES, menjadi kekuatan utama lembaga ini. Di sisi lain, tantangan internal meliputi belum adanya SOP khusus pengelolaan wakaf uang, keterbatasan SDM yang fokus di bidang wakaf, serta masih rendahnya literasi masyarakat terhadap wakaf uang. Untuk itu, penelitian ini merumuskan strategi pengembangan berdasarkan pendekatan SWOT Matching, yang menghasilkan empat strategi utama: strategi SO (Strength–Opportunity), WO (Weakness–Opportunity), ST (Strength–Threat), dan WT (Weakness–Threat). Strategi tersebut menjadi panduan adaptif bagi LWMT dalam memaksimalkan potensi dan memperkuat daya saing kelembagaan di tengah tantangan. Dengan demikian, penelitian ini menyimpulkan bahwa LWMT layak dikembangkan sebagai model pengelolaan wakaf uang yang profesional, kredibel, dan berkelanjutan di tingkat lokal maupun nasional, serta mampu berkontribusi dalam memperkuat filantropi Islam dan kesejahteraan masyarakat melalui optimalisasi instrumen wakaf uang.
Determinan Internal Non-Performing Financing BPRS di Indonesia
Penelitian ini berfokus pada pengujian determinan internal Pembiayaan Bermasalah (NPF) pada Bank Pembiayaan Rakyat Syariah Indonesia (BPRS) selama periode 2021–2023. Variabel yang diuji meliputi Rasio Pembiayaan terhadap Simpanan (FDR), Rasio Pengembalian Aset (ROA), Rasio Kecukupan Modal (CAR), ukuran bank, dan biaya operasional terhadap pendapatan operasional (BOPO). Data yang digunakan adalah laporan keuangan triwulanan BPRS yang dirilis oleh Otoritas Jasa Keuangan (OJK) dengan total 1.464 observasi melalui teknik purposive sampling. Data diolah menggunakan analisis regresi data panel dengan pendekatan Fixed Effect Model (FEM) melalui perangkat lunak EViews versi 13. Hasil penelitian menunjukkan bahwa FDR, ROA, dan ukuran bank berpengaruh negatif dan signifikan terhadap NPF, sedangkan BOPO berpengaruh positif signifikan. Sebaliknya, CAR tidak terbukti berpengaruh signifikan. Secara kolektif, kelima variabel tersebut mampu menjelaskan 89,05% variasi NPF, sedangkan sisanya dipengaruhi oleh faktor eksternal lainnya. Implikasi dari temuan ini menekankan pentingnya penguatan profitabilitas, efisiensi operasional, dan manajemen risiko untuk meminimalkan NPF di BPRS.
Economic Diversification Through the Halal Industry
Penelitian ini bertujuan untuk mengidentifikasi potensi dan tantangan industri halal di Indonesia serta peran diversifikasi dalam memperkuat sektor ini. Penelitian ini menggunakan pendekatan deskriptif kualitatif untuk mengeksplorasi peluang yang dimiliki Indonesia, sebagai negara dengan populasi Muslim terbesar di dunia, dalam mengembangkan industri halal, khususnya di sektor makanan, minuman, pariwisata, dan fesyen. Hasil penelitian menunjukkan bahwa Indonesia memiliki peluang besar untuk mengembangkan industri halal, tetapi menghadapi tantangan seperti ketergantungan pada impor dan rendahnya produksi dalam negeri. Diversifikasi produk terbukti efektif dalam meningkatkan daya saing dan profitabilitas industri halal dengan mengurangi risiko dan berinovasi sesuai dengan kebutuhan konsumen. Selain itu, instrumen pembiayaan syariah seperti sukuk dan equity crowdfunding berperan penting dalam mendukung pengembangan industri ini. Sinergi antara kebijakan pemerintah, strategi diversifikasi produk, dan pembiayaan syariah diperlukan untuk mencapai pertumbuhan berkelanjutan dalam industri halal Indonesia. Kata kunci: Industri halal, diversifikasi produk, pembiayaan syariah, Indonesia, strategi bisnis.