Accreditation : SINTA 5 Journal Title : EKOBIS SYARIAH (Jurnal Ekonomi dan Bisnis Syariah) ISSN : 2579-7042 (online) DOI Prefix : 10.22373/ekobis Editor in Chief : Rina Desiana, [Scopus ID: 58635422200] Managing Editor : Husnul Mirzal, [Scopus ID: 59496874100] Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh Frequency : 2 issues per year (June and December) Citation Analysis : Google Scholar EKOBIS SYARIAH publishes research papers to the global community on Islamic economics and finance concepts and practices from an Indonesian perspective and its surrounding region. However, EKOBIS also welcomes perspectives from other regions that can boost the publication's value. Article submitted must be based on research, original and educationally interesting to the audience in the field. The goal is to disseminate new concepts and research findings developed in this area of study by publishing relevant peer-reviewed scientific information and discussions. The Journal serving as a medium for exploring critical thinking on Islamic Economics and Business issues. It is open for all academics, practitioners, intellectuals, and students with the specification of the study of Islamic Economics. The Ideas is covering research article, conceptual idea, review of the literature, and practical experience. The scope of EKOBIS are limited to: - Islamic economics - Islamic banking and finance - Islamic economic management - Management Zakat, Infaq, Shodaqoh and Waqf - Islamic entrepreneurship and business - Islamic economics thought - Islamic insurance - Islamic Social Welfare - Islamic Economic Welfare Email : ekobis.syariah@ar-raniry.ac.id
Universitas Islam Negeri Ar-Raniry Banda Aceh
EKOBIS allows the author(s) to hold the copyright and to retain the publishing rights without restrictions. Authors who publish with this journal agree to the following terms: Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC-BY-SA 4.0) that allows others to EKOBIS the work with an acknowledgment of the work's authorship and initial publication in this journal. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work
Krisis Kebahagiaan dan Perilaku Konsumtif Modern: Rekonstruksi Etika Konsumsi Perspektif Al-Ghazali
This research aims to examine the happiness crisis in modern society influenced by the dominance of materialism and consumerism, and to offer alternatives through the perspective of Imam Al-Ghazali's thought. In conventional economics, happiness is generally measured through utility and consumption satisfaction, but this approach has yet to comprehensively explain the spiritual and psychological dimensions of humans. This research uses a qualitative approach with a library research method through the study of Al-Ghazali's main works, particularly Ihya’ Ulumuddin, as well as various contemporary literatures on consumerism, happiness, and well-being psychology. Data were analysed using the content analysis method to systematically identify, categorise, and interpret the main concepts. The research results show that material-based happiness is illusory and temporary, and is correlated with increased anxiety and life dissatisfaction. The novelty of this research lies in the effort to reconstruct Al-Ghazali's concept of qana’ah not only as a spiritual value but also as an ethical and psychological mechanism in responding to modern consumer culture. Al-Ghazali places true happiness in the spiritual dimension through self-control, balance between needs and desires, and closeness to God. Therefore, the integration of spiritual values into economic activities becomes important to achieve a more holistic, sustainable, and relevant welfare in the face of modern societal challenges.
Copyright (c) 2026 Khusnul Lailia, Aulia Novika, Rina Rosia, Agus Waluyo http://creativecommons.org/licenses/by-sa/4.0
Millennial Investment Behavior in the Digital Era: A Multidimensional Analysis
The expansion of digital technology has revolutionized investment patterns, especially among millennials, who are known to be adaptable to innovation. Ease of access to investment also carries risks for those who do not yet understand financial products. The main factors influencing millennial investment behavior include financial literacy, digital education, religiosity, and risk perception. This study aims to analyze the influence of financial literacy, digital education, religiosity, and risk perception on millennial investment behavior in the digital era. The study used a descriptive quantitative approach with an associative explanation method. The study sample consisted of 150 millennial student respondents in Langsa City, Participants were chosen using purposive sampling. The data were collected through questionnaires and analyzed with multiple regression methods. The results showed that financial literacy and digital education had a positive but insignificant effect on investment behavior, suggesting that increased financial knowledge and access to digital education were not sufficient to significantly encourage investment decisions. Conversely, religiosity and risk perception were shown to have a positive and significant effect, meaning that the higher the level of religiosity and the better the understanding of risk, the greater the tendency of millennials to invest. Simultaneously, all four variables significantly influenced investment behavior. Research findings indicate that millennials' investment behavior is influenced not only by financial literacy and digital education, but also by religiosity and risk perception. Therefore, improving literacy, implementing digital education, and strengthening religious values and risk management are crucial for developing wise and sustainable investment behavior.
Copyright (c) 2026 Zikriatul Ulya; Muarif Setiawan, Nasywa Salsabila; Zulhilmi http://creativecommons.org/licenses/by-sa/4.0
Kontribusi Sukuk Negara terhadap Pembiayaan Pembangunan Berkelanjutan
This study aims to analyse the contribution of State Sukuk (SBSN) to the financing of sustainable development in Indonesia within the framework of the Sustainable Development Goals. The study employs a qualitative approach through a literature review and content analysis of academic literature and official government reports. The results of the study indicate that State Sukuk, as stipulated in Law No. 19 of 2008 on SBSN, has become a strategic instrument in financing the State Budget. Through the Project-Based Sukuk scheme, funds are allocated to tangible assets and real projects such as educational infrastructure, transport, and public facilities that support the achievement of the SDGs, particularly SDG 4, SDG 7, and SDG 13. The issuance of Green Sukuk since 2018 has further strengthened the commitment to a green economy and low-carbon development. Furthermore, from an economic perspective, State Sukuk contribute to capital formation and the expansion of the investor base, whilst socially they improve access to basic services and promote equitable development. The implications of this research suggest that strengthening regulations, governance and Islamic financial literacy is necessary to optimise the use of Government Sukuk as an instrument of sustainable development in Indonesia.
Copyright (c) 2026 Silvia Ripa Nurkaromah, Fasya Dhiyaulhaq Marpudin, Faiz Zaki Fadillah, Abdhi Adiansyah, Asep Suryanto http://creativecommons.org/licenses/by-sa/4.0
Assessing the Awareness and Willingness of Mindanao State University Faculty, Staff, Alumni and Students in Contributing to a University-Based Zakat Fund
In predominantly Muslim areas like Mindanao, universities have failed to institutionalise the zakat system in their institutional processes. Based on the construction of Islamic social finance and institutional trust that connects religious awareness and clear governance with donor willingness, this paper measures the feasibility of implementing zakat funds at Mindanao State University (MSU). This need is very urgent because a large number of students require financial assistance and a significant number of community members are eligible to distribute zakat. Meeting the descriptive survey research design with 314 respondents through stratified random sampling via Google Forms and analysed using descriptive statistics and weighted mean. This study assesses the level of knowledge among MSU stakeholders regarding the level of knowledge of the beneficiaries and their willingness to receive that knowledge, leading to the identification of key factors for success. The researchers established the university community has a high awareness of the religious value of zakat, a religious attitude towards that value, and trust in the institution. Three key elements highlighted by respondents who support the idea of a zakat fund at MSU are that the fund manages the use of discretionary funds in Islamic banking responsibly, integrates digital technology, and collaborates with Islamic scholars. Finally, the research paper recommends that MSU needs to adopt a Sharia-compliant zakat management system with a high level of transparency to set an example for other government organisations, thereby generating programs that can help student welfare and advance Islamic giving practices towards educational equity across the Philippines.
Copyright (c) 2026 Jawad Salic http://creativecommons.org/licenses/by-sa/4.0
Mensintesis Dampak Sosial Ekonomi Wakaf dan Zakat terhadap Pertumbuhan Berkelanjutan dalam Ekonomi Kreatif Halal
Not many studies systematically explain the combined impact of waqf and zakat on sustainable growth in the context of the halal creative economy, especially from the socio-economic side such as poverty alleviation, equal opportunity distribution, empowerment of halal creative SMEs, and their long-term impact. This research aims to synthesise empirical evidence from the literature regarding the influence of waqf and zakat on the socio-economics of the halal creative economy, as well as to identify the factors that strengthen or hinder their role in achieving sustainable growth. The method used is a literature review or systematic mapping. About 30 journal articles were selected based on inclusion criteria: publications between 2020–2025, containing discussions on waqf, zakat, halal creative economy, or sustainable growth. The results show that productive waqf and productive zakat can enhance the capacity of the halal creative economy through the provision of capital, access to financing, training and mentoring, and regulatory support. Digitalisation and institutional integration also emerged as important factors. As a main finding, it produces an integrative zakat-waqf model that maps the flow of resources from collection (nazhir/amil), productive distribution, to strengthening the capacity of halal creative economy actors (SMEs). This article is expected to contribute to theory and practice by offering a framework on how waqf and zakat can be maximised as instruments for inclusive and sustainable halal creative economy growth, as well as policy recommendations to overcome major obstacles.
Copyright (c) 2026 Muallif Masyhuri, Ella Annisa http://creativecommons.org/licenses/by-sa/4.0
The Ease of Use and Benefits of Making Cardless Cash Transactions
This study aims to examine cardless cash withdrawal transactions through mobile banking and their role in increasing transaction intention in Islamic banking. Specifically, the research investigates the effects of perceived ease of use and perceived benefit on users’ intentions to conduct cardless cash withdrawal transactions using BSI Mobile among students at UIN Ar-Raniry in Banda Aceh. A quantitative research approach with an associative design was employed. Primary data were collected through a structured questionnaire distributed to 100 student BSI Mobile users, selected using a non-probability sampling technique with purposive sampling. The data were analyzed using multiple linear regression method to test the proposed hypotheses. The results reveal that perceived usefulness has a positive and significant effect on users’ intention to conduct cardless cash withdrawal transactions via BSI Mobile. In contrast, perceived ease of use has no effect on transaction intention. These results provide valuable insights into the determinants of digital banking service adoption among university students, particularly in the context of Islamic banking.
Copyright (c) 2026 Akmal Riza; Evy Iskandar; Nining Puji Rahayu http://creativecommons.org/licenses/by-sa/4.0
Peran Pondok Pesantren Al-Risalah Batetangnga dalam Pengembangan Jiwa Kewirausahaan Santri
This research is motivated by the still low involvement of students in entrepreneurial activities, the limited variety of business units, and the minimal marketing support and post-boarding school follow-up. The purpose of the research is to understand the role of Pondok Pesantren Al-Risalah Batetangnga in fostering the entrepreneurial spirit of the students. The research uses a qualitative approach with a case study method through interviews, observations, and documentation. Data analysis was conducted using the Miles & Huberman interactive model, and validity testing was performed using triangulation and member check. This research concludes that Al-Risalah Batetangnga Islamic Boarding School plays an important role in fostering the entrepreneurial spirit of its students through the formation of an independent mindset, practice-based training, the provision of business facilities such as cooperatives, and the instillation of Islamic values. This role not only equips students with technical skills but also shapes an entrepreneurial character that is independent, has integrity, and is responsible
Copyright (c) 2026 Tiara Mutmainnah, Sappeami, Rini Rini http://creativecommons.org/licenses/by-sa/4.0
Evaluating The Awareness and Usability of QRIS Payment Method Among Indonesian Travelers in Integrated ASEAN Countries (A View of Past, Present, and Future Usage)
This study examines the awareness and usability of the Quick Response Code Indonesian Standard (QRIS) among Indonesian travelers in ASEAN countries by analyzing past, present, and future usage patterns. Introduced by Bank Indonesia in 2019, QRIS is a unified digital payment system designed to support financial inclusion and facilitate cross-border transactions. A mixed-method approach was employed, combining quantitative surveys and qualitative interviews to explore travelers’ awareness, experiences, and future intentions regarding QRIS usage abroad. Findings from Malaysia, Singapore, and Thailand indicate that while Indonesian travelers exhibit a moderate level of awareness of QRIS, actual usage remains limited, with 74% of respondents reporting that they have never used QRIS during travel. Survey results reveal key barriers including technical and connectivity issues, limited merchant acceptance, and a strong preference for cash or card payments. These results are reinforced by interview findings, which show that many travelers, particularly from non-urban backgrounds, were unaware of QRIS usability abroad, while those who attempted to use it experienced accessibility and transaction failures, leading them to revert to traditional payment methods. Despite these challenges, both survey and interview data indicate growing interest in cashless payments, suggesting opportunities to increase QRIS adoption through improved infrastructure, expanded merchant networks, and targeted socialization and education initiatives. The study provides policy-relevant insights for strengthening cross-border payment integration and digital financial inclusion in ASEAN.
Copyright (c) 2025 Naili Sumaiya, Hafiz Mubarraq Haridhi http://creativecommons.org/licenses/by-sa/4.0
Analisis SWOT Terhadap Strategi Pemasaran Produk Kosmetik Halal Wardah Pada PT. Paragon Aceh
Wardah merupakan brand kosmetik halal yang diproduksi PT. Paragon Technology And Innovation yang dikenal dengan konsep “Halal Green Beauty”. Salah satu brand dari PT. Paragon Aceh, Wardah memiliki strategi pemasaran tersendiri yang disesuaikan dengan karakteristik daerah, termasuk di Aceh yang menjunjung tinggi nilai-nilai Islam. Tujuan penelitian ini untuk mengetahui strategi pemasaran produk kosmetik halal wardah oleh PT. Paragon Aceh dan analisis SWOT terhadap strategi pemasaran produk kosmetik halal wardah oleh PT. Paragon Aceh. Penelitian ini bersifat kualitatif dengan jenis penelitian deskriptif. Subjek penelitian terdiri dari 10 orang responden. Pengumpulan data menggunakan kuesioner dan wawancara. Analisis data menggunakan analisis SWOT. Hasil penelitian menunjukkan bahwa strategi pemasaran produk kosmetik halal Wardah oleh PT. Paragon Aceh menggunakan marketing mix tetapi difokuskan pada promosi dimana ada strategi yang membedakan yaitu dilakukan dengan cara membangun kolaborasi dengan Key Opinion Leader (KOL) Muslimah, kolaborasi brand, beauty class dan mitra channel. Adapun hasil analisis SWOT menunjukkan bahwa strategi pemasaran produk kosmetik halal Wardah oleh PT. Paragon Aceh berada pada Kuadran 1 (Agresif) yang menunjukkan strategi pemasaran produk kosmetik halal Wardah oleh PT. Paragon Aceh memiliki peluang dan kekuatan yang mendorong dimanfaatkannya peluang-peluang tersebut.
Copyright (c) 2025 Miftahul Jannah, Hendra Syahputra, Jalilah Jalilah, Husnul Khatimah http://creativecommons.org/licenses/by-sa/4.0
Green Waqf Sebagai Instrumen Ketahanan Pangan Berkelanjutan dalam Mewujudkan Asta Cita Indonesia 2045
Penelitian ini bertujuan untuk menganalisis peran Green Waqf sebagai instrument strategis dalam memperkuat ketahanan pangan berkelanjutan dan mendukung Asta Cita Indonesia 2045. Penelitian ini menggunakan pendekatan deskriptif-kualitatif berbasis studi literatur dan analisis kebijakan. Hasil kajian menunjukkan bahwa lahan wakaf di Indonesia memiliki potensi besar untuk mendukung ketahanan pangan melalui optimalisasi lahan produktif. Secara konseptual, Green Waqf berperan memperkuat tiga dimensi utama ketahanan pangan yakni ketersediaan, aksesibilitas, dan stabilitas, serta selaras dengan prinsip maqasid al-shariah yang menekankan kemaslahatan sosial dan keberlanjutan lingkungan. Integrasi Green Waqf ke dalam kerangka Asta Cita 2045 menunjukkan sinergi antara nilai keagamaan, pembangunan ekonomi hijau, dan tata kelola pangan berkelanjutan. Keberhasilan implementasi konsep ini sangat bergantung pada model kelembagaan dan tata Kelola yang kuat melalui profesionalisasi nadzir, Inovasi pembiayaan dan teknologi hijau seperti waqf-linked sukuk, serta kolaborasi lintas sektor. Dengan tata kelola yang adaptif dan dukungan kebijakan yang konsisten, Green Waqf berpotensi menjadi arus utama pembiayaan hijau nasional yang memperkuat ketahanan pangan dan mewujudkan Indonesia 2045 yang mandiri, inklusif, dan berkeadilan sosial.
Copyright (c) 2025 Nadlia Ariyati, Arini Izzati, T. Muhammad Ghufran, Zulaikha Rahimah, Gebri Rizkyanovli http://creativecommons.org/licenses/by-sa/4.0
Analysis of Muslim Students' Decisions in Choosing Conventional Bank Savings
The background of this research is that students of UIN SYAHADA Padangsidimpuan Islamic Banking Study Program still use conventional bank savings products. The formulation of the problem in this study is whether there is a simultaneous influence of family, location, and knowledge on the decisions of Islamic Banking Study Program students to use Conventional Banks. The purpose of this study was to determine whether there was a simultaneous influence of family, location, and knowledge on the decision of Islamic Banking Study Program students to use Conventional Banks. The discussion in this research relates to saving decisions, family, location, and knowledge. In this regard, the approach taken is theories related to saving decisions, family, location, and knowledge. The type of research used is quantitative research. The sample used in this study was 78 respondents. The sampling technique uses the purposive sampling technique. Data collection used is a questionnaire technique (questionnaire) and documentation. Data analysis used is validity test, reliability test, descriptive statistical test, normality test, multicollinearity test, heteroscedasticity test, autocorrelation test, coefficient of determination test (R 2 ), partial significance test (t) and simultaneous test (F), multiple linear regression analysis using SPSS version 26. The results showed that partially (t-test) the family and location variables affected the decision to save at conventional banks, but the knowledge variable did not affect the decision to save at conventional banks. The results (F test) of family, location, and knowledge simultaneously influence the decision to save in conventional bank savings. Family factors, location, and knowledge of the dependent variable or the decision to save at a conventional bank is 19.5%, while 80.5% is influenced and explained by other variables not included in this study.
Copyright (c) 2025 Ahmad Ramadhan, Ilham Basrian Jasuma Putra http://creativecommons.org/licenses/by-sa/4.0
Israf dalam Ekonomi Digital: Perspektif Etika Konsumsi Islam terhadap Gaya Hidup Hedonis
A hedonistic lifestyle that develops through social media and an algorithm-based digital system that encourages repeated consumption. This research aims to analyse how consumption practices in the digital economy can be categorised as isrāf and how Islamic consumption ethics can serve as an evaluative framework in responding to this phenomenon. This research uses a qualitative approach based on normative literature review with content analysis techniques and a hermeneutic approach. Data were obtained from scientific journal articles, academic books, as well as classical and contemporary Islamic literature from the period 2019–2025 that are relevant to digital consumption, hedonism, and Islamic consumption ethics. The research results show that digital consumption tends to be impulsive, symbolic, and influenced by algorithms, thus exceeding the limits of rational needs. This practice meets the characteristics of isrāf, both in terms of motives, patterns, and impacts. Furthermore, it was found that isrāf in the digital economy is not only individual in nature but is also influenced by social constructs and the structure of the digital system. This research concludes that Islamic consumption ethics, through the principle of moderation (wasathiyyah) and the framework of maqāṣid al-sharī‘ah, offer a relevant normative approach to controlling excessive consumption and building a more just and sustainable consumption pattern in the digital era.
Copyright (c) 2026 Aulia Rahmi, Moh Najib, Mesi Herawati, Harmanto Raharjo http://creativecommons.org/licenses/by-sa/4.0
Determinan Literasi Keuangan dan Pendapatan Masyarakat Terhadap Keputusan Investasi Emas Digital di BSI KCP Teuku Umar Banda Aceh
Digital gold investment in Indonesia has experienced rapid growth, especially through sharia banking products such as BSI E-Mas, which offer convenience, security, and compliance with sharia principles. However, financial literacy gaps remain a major challenge influencing the community's investment decisions. This study aims to examine the influence of financial literacy and income on digital gold investment decisions among BSI KCP Teuku Umar Banda Aceh customers. The method used is a quantitative approach with 30 respondents selected by random sampling, and data was collected through questionnaires and analyzed using multiple linear regression to test the influence between variables. The results show that financial literacy has a positive and significant effect on digital gold investment decisions, while the effect of income is not significant partially. Simultaneously, financial literacy and income jointly influence investment decisions, contributing 47.1%. These findings emphasize the importance of improving sharia financial literacy to support rational and safe investment decision-making based on digital platforms while optimizing the potential of digital gold as a halal investment instrument that meets the needs of modern society
Copyright (c) 2025 shafia marzati, Ayumiati, Akmal Riza http://creativecommons.org/licenses/by-sa/4.0
Strategi Pemasaran Bank Aceh Syariah dalam Meningkatkan Adopsi Pembiayaan KUR di Kalangan Pelaku Usaha Rumah Makan di Kuala Simpang
Penelitian ini bertujuan untuk mengetahui (1) konsep dan prosedur pembiayaan KUR di Bank Aceh Syariah pada pelaku usaha Rumah Makan, (2) untuk mengetahui penyebab rendahnya minat Pelaku Usaha Rumah Makan terhadap pembiayaan KUR (3) dan untuk mengetahui langkah dan strategi yang diterapkan Bank Aceh Syariah Kota Kualasimpang meningkatkan minat pembiayaan KUR UMKM. Jenis penelitian ini adalah penelitian lapangan dengan pendekatan kualitatif. Teknik pengumpulan data yang dilakukan dengan cara observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa Bank Aceh Cabang Kuala Simpang dalam memasarkan pembiayaan KUR Syariah menjumpai langsung secara tatap muka, selanjutnya menjelaskan pada calon nasabah produk pembiayaan KUR. Langkah selanjutnya melakukan verifikasi dokumen, tanda tangan pembiayaan akad dilakukan oleh Administrasi Pembiayaan (ADP). Pencairan pembiayaan KUR maksimal 3 hari setelah akad. Penyebab rendahnya minat pelaku usaha Rumah Makan terhadap pembiayaan KUR karena takut dan ragu tidak mampu membayar angsuran perbulannya, pelaku usaha rumah makan juga beranggapan bahwa melakukan pinjaman di Bank Syariah tidak jauh berbeda dengan Bank Konvensional.
Copyright (c) 2025 Muhammad Dayyan, Tengku Adrilla Nazara http://creativecommons.org/licenses/by-sa/4.0
Analysis of Factors Influencing Customer Interest Towards Murabahah Financing Products Bil Wakalah Sharia Home Ownership Credit (KPR) at Bank Syariah Indonesia KC Bengkulu
The problem in this study is based on the growing number of customers who are interested in using murabahah bil wakalah contracts for home financing. Data from Bank Syariah Indonesia (BSI) KC Bengkulu S. Parman 2 show that 172 customers have used murabahah bil wakalah contracts to finance their mortgage products. This research aims to identify the factors that influence customer interest in murabahah bil wakalah mortgage financing products. The factors examined include mortgage characteristics, price, and procedural aspects. The study involved 63 respondents who were customers of BSI KC Bengkulu. Data were collected through a Likert-scale questionnaire and analyzed using several statistical tests, including validity and reliability tests, basic assumption tests, classical assumption tests, and factor analysis using Bartlett’s Test of Sphericity. The results of the analysis indicate that the variables of customer financing characteristics, price, and financing procedures have a significant influence on customer interest in murabahah bil wakalah-based Sharia mortgage products.
Copyright (c) 2025 Amimah Oktarina, Ayu Anggun Sari http://creativecommons.org/licenses/by-sa/4.0
Conceptual Analysis of Marketing Strategies Through Live Streaming on Social Media from an Islamic Business Ethics Perspective
The advancement of digital technology has transformed the global marketing landscape, particularly through the use of live streaming as an interactive, real-time promotional strategy. In Indonesia, this trend has grown rapidly alongside the widespread adoption of social media and smartphones. Despite its effectiveness in boosting consumer engagement and sales conversion, live streaming marketing often raises ethical concerns, especially within the framework of Islamic business ethics. This article conceptually analyzes live streaming-based marketing strategies on social media through the lens of Islamic business ethics. The study identifies ethical violations such as overclaiming, non-transparent endorsements, and emotional manipulation, which conflict with Sharia principles like sidq (honesty), ‘adl (justice), and amanah (trustworthiness). Through a literature review, it is found that most businesses have yet to integrate Islamic ethical values into their digital strategies. Islamic business ethics emphasize not only economic efficiency but also moral and spiritual responsibility toward consumers and society. This article recommends integrating Islamic values into digital marketing strategies to ensure business sustainability and divine blessings (barakah). The study contributes to scholarly literature on marketing and Islamic business ethics while providing a conceptual foundation for future research on technology-driven promotions aligned with Sharia principles.
Copyright (c) 2025 Junia Farma, Khairil Umuri http://creativecommons.org/licenses/by-sa/4.0
Pengaruh Diskon Tanggal Kembar dan Online Costumer Review Terhadap Perilaku Pembelian Impulsif dalam Perspektif Islam
Kebiasaan berbelanja secara online membuat masyarakat cenderung melakukan pembelian impulsif. Secara Islam pembelian impulsif dianggap boros dan tidak bijak karena Islam mengajarkan untuk berbelanja dengan pertimbangan yang matang, mengendalikan diri dan menggunakan harta untuk hal-hal yang bermanfaat dan benar-benar dibutuhkan. Penelitian ini bertujuan untuk mengetahui pengaruh diskon tanggal kembar dan online customer review secara parsial dan simultan serta perbedaan terhadap perilaku pembelian impulsif di marketplace dalam perspektif Islam pada masyarakat kota Banda Aceh. Penelitian ini menggunakan pendekatan kuantitatif komparatif dengan menyebarkan kuesioner. Hasil Penelitian menunjukkan diskon tanggal kembar secara parsial berpengaruh terhadap perilaku pembelian impulsif e-commerce Shopee, sedangkan pada e-commerce Tokopedia tidak berpengaruh. Online customer review Shopee dan Tokopedia secara parsial tidak berpengaruh terhadap perilaku pembelian impulsif. Diskon tanggal kembar dan online customer review secara simultan berpengaruh terhadap perilaku pembelian impulsif Shopee dan tidak berpengaruh pada e-commerce Tokopedia. Variabel diskon tanggal kembar, online customer review, dan perilaku pembelian impulsif pada e-commerce Shopee dan Tokopedia tidak memiliki perbedaan yang signifikan.
Copyright (c) 2025 Cut - Elfida http://creativecommons.org/licenses/by-sa/4.0
Analysis of Using Intergovernmental Transfers and Local Own-Source Revenue on Poverty Reduction: Islamic Economics Perspective
In Islam, the income of a region is based on the principles that must be followed to achieve falah, which improves the welfare of the community. The fulfillment of maqasid al-shariah in a region can be measured by how well regional revenues are used to achieve the basic objectives of Islamic law. This study examines the influence of Intergovernmental Transfers (TKD) and Local Own-Source Revenue (PAD) on the reduction of poverty rates in Pidie district. This study aims to look at the analysis of using TKD and PAD in Pidie Regency on the reduction of poverty rates in the perspective of Islamic economics. The data used are data on the number of realization of TKD revenues, the number of realization PAD revenues, and the percentage of poverty in Pidie Regency with a span of time from 2014 to 2023. The results of the study showed that TKD had a negative and significant effect on poverty, while PAD had a negative but not significant effect. Simultaneous tests showed that the TKD and PAD variables had a negative and significant effect on the poverty rate in Pidie Regency.
Copyright (c) 2025 Alfia Azzuhra, Annisa Humaira, Awang Darmawan Putra http://creativecommons.org/licenses/by-sa/4.0
ZISWAF'S Role as Community Empowerment Through One Family One Graduate Scholarship at Baitul Mal Aceh
Community empowerment through the One Family One Bachelor (SKSS) scholarship is a program that has the potential to develop society both economically, personally and socially. Therefore, this research examines community empowerment and its mechanisms and optimization. The purpose of this research is to determine the mechanism and optimization of community empowerment through SKSS scholarships at Baitul Mal Aceh. This research uses qualitative research methods with a field research approach. The research results show that the mechanism for community empowerment through the SKSS scholarship includes the objectives of the stages and the benefits obtained, where this mechanism is still not well realized. So the optimization of community empowerment through SKSS scholarships is seen from three dimensions of optimization, namely efficiency, effectiveness and economics, which are described by several indicators, which are still classified as less than optimal, because of the many obstacles and obstacles faced and the output that has not been achieved. However, on the other hand, Baitul Mal Aceh is currently trying to carry out an evaluation, designing a new, better system which is expected to optimize community empowerment through SKSS scholarships in the future.
Copyright (c) 2025 Muksal Muksal, Muhammad Arifin, Muizatul Aspira http://creativecommons.org/licenses/by-sa/4.0
Analysis of Mustahik Income Before and After Receiving Productive Zakat in Realizing Sustainable Development Goals (SDGs) from Baitul Mal in Banda Aceh City
This study examines the Analysis of Mustahik Income Before and After receiving Productive Zakat from Baitul Mal in Banda Aceh City. Productive zakat plays an important role in increasing mustahik income. With the productive zakat program, it is very helpful for Mustahik in adding capital for business, building a business, developing a business, and and creating employment opportunities. This study aims to determine the role and implementation of zakat and analyze the differences in Mustahik income before and after the distribution of business capital assistance through productive zakat by Baitul Mal Kota Banda Aceh. This research is a Quantitative Research using the Wilcoxon Matched Pairs Test analysis method. The research sample used was 81 Mustahik productive zakat recipients using the Area Cluster Random Sampling technique. This study found that there were differences in Mustahik's income before and after receiving productive zakat, this shows that the provision of productive zakat in realizing SDGs has an important role in increasing the income of the community (Mustahik) implemented by Baitul Mal Kota Banda Aceh.
Copyright (c) 2026 Hafidhah Hafidhah, Nilam Sari, Wirda Wirda http://creativecommons.org/licenses/by-sa/4.0
Analisis Faktor-Faktor yang Mempengaruhi Return on Asset (ROA) dengan Ukuran Perusahaan sebagai Variabel Moderating
Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan ijarah, mudharabah, dan rahn terhadap ROA dan menjadikan ukuran perusahaan sebagai variabel moderating secara parsial dan secara simultan. Metode penelitian yang digunakan pada penelitian ini yakni metode kuantitatif dengan menggunakan data sekunder berupa laporan keuangan bulanan KSPPS BMT XXXX periode 2019-2023 dan sampel yang digunakan berjumlah 60 sampel. Adapun teknik analisis data yang digunakan yakni Moderated Regression Analysis (MRA). Hasil penelitian menunjukkan bahwa secara parsial pembiayaan ijarah berpengaruh positif terhadap ROA, sementara pembiayaan mudharabah, dan rahn tidak berpengaruh positif terhadap ROA. Secara simultan, pembiayaan ijarah, mudharabah, dan rahn berpengaruh terhadap ROA. Kemudian terkait peran moderasi ukuran perusahaan menunjukkan bahwa, secara parsial ukuran perusahaan mampu memperkuat pengaruh pembiayaan ijarah terhadap ROA, namun ukuran perusahaan tidak mampu memperkuat pengaruh pembiayaan mudharabah, dan rahn terhadap ROA. Secara simultan ukuran perusahaan mampu memperkuat pengaruh pembiayaan ijarah, mudharabah dan rahn terhadap ROA.
Copyright (c) 2025 Fitri Naila Hidayah, Andriani Samsuri, Andriani Samsuri http://creativecommons.org/licenses/by-sa/4.0
HALAL TOURISM POTENTIAL OF CEMARA INDAH BEACH IN DEVELOPING THE COMMUNITY BUSINESS SECTOR
The results of the research show that the tourism potential of Cemara Indah Beach which can support the development of the community's business sector is the location of the tourist attraction close to residential areas so that people can easily open their businesses, Cemara Indah Beach is close to the national road so it has the potential for small businesses from the community, the potential of the sea and a very beautiful beach, the natural beauty around Cemara Indah Beach that supports it, the availability of good facilities and infrastructure, providing tourist facilities for children and adults, the availability of various culinary foods for visitors and the existence of artificial park tourist attractions, sports fields and play areas children. The potential impact of Cemara Indah Beach tourism on the community business sector is the emergence of various types of community businesses such as opening kiosks selling snacks, traditional culinary businesses, the emergence of businesses providing tourist facilities, games rental businesses for visiting children and the existence of a managed culinary business sector. by BUMG Gampong Ujong Batee.
Copyright (c) 2025 Yulindawati Yulindawati http://creativecommons.org/licenses/by-sa/4.0
Analisis Penerapan Bauran Pemasaran Syariah Terhadap Peningkatan Penjualan Bakpia Ulir Surabaya
Dalam bauran pemasaran syariah, ada beberapa batasan, yaitu produk yang dijual harus halal dan berkualitas tinggi. Penetapan harga harus didasarkan pada nilai yang wajar dan tidak boleh dinaikkan secara berlebihan. Lokasi usaha harus bebas dari sengketa, dan promosi harus dijalankan tanpa unsur penipuan. Metode penelitian yang digunakan dalam penelitian ini adalah peneltian kualitatif deskriptif. Penelitian ini berlokasikan di home industry di Gang Benteng 1 No. 31, Kelurahan Jemur Wonosari, Kecamatan Wonocolo, Surabaya. Subjek penelitian yang diteliti yaitu Bakpia Ulir Surabaya milik UD. Oca Surabaya. Sumber data yang digunakan adalah data primer dan sekunder. Teknik pengumpulan data yakni dengan observasi dan wawancara. Analisis data kualitatif yakni dengan melakukan langkah langkah reduksi data, penyajian data, dan penarikan kesimpulan. UD Oca Surabaya mengalami peningkatan setelah memperoleh sertifikat halal pada tahun 2021. Peningkatan tersebut terlihat dari meningkatnya kepercayaan konsumen terhadap produk dan jangkauan pemasaran yang menjadi lebih luas. Penerapan bauran pemasaran syariah yang dilakukan oleh UD. Oca Surabaya telah memberikan dampak positif terhadap peningkatan penjualan produk Bakpia Ulir Surabaya. Penerapan bauran pemasaran syariah telah memberikan manfaat bagi perusahaan dan juga bagi konsumen.
Copyright (c) 2025 Sulis Setyowati, Saqofa Nabilah Aini http://creativecommons.org/licenses/by-sa/4.0
Does Islamic Financial Foster Economic Growth? Evidence from Indonesia
The purpose of this study was to determine the effect of Third-Party Funds (X1), Financing (X2), FDI and PMDN Investment Realization (X3) and Exchange Rates (X4) on Economic Growth (Y). This type of research is quantitative research with Error Correction Model (ECM) as a method of data analysis using secondary data in the form of time series. The data used is quarterly data from Third Party Funds, Financing, Investment Realization (FDI and PMDN), Exchange Rates and Gross Domestic Product (GDP) for 2013-2022. The data obtained were 40 samples which were then analyzed using the E-views 12 tool. Based on the results of this study indicate that partially the dependent variable Third Party Funds in the short term and long term has a positive and insignificant impact. Financing has a significant positive effect in the long term, Exchange Rate has a positive and significant effect, Investment Realization (FDI and PMDN) in the short and long term has a positive and significant effect on Indonesia's Economic Growth as indicated by the Gross Domestic Product (GDP) in 2013-2022.
Copyright (c) 2025 Diyah Ariyani, Juwita Mega Rosita, Heri Kurniawan, Anisa Dewi Arismaya, Muhammad Soliki Ariwoto http://creativecommons.org/licenses/by-sa/4.0
Halal Awareness on Self Declaire Halal Certification Program
The development of micro and small businesses in Indonesia is always increasing, so the role of the government is needed to supervise the products produced, both starting from the raw materials used, the manufacturing process to being ready to be distributed to consumers. Halal awareness or halal awareness is a basic thing and must be owned by business actors so that the products traded have guarantees in terms of process and law in accordance with the provisions of Islamic sharia. So that the implementation of Halal Awareness is considered important in the ongoing halal certification program. This study uses a qualitative descriptive method using primary and secondary data which is then analyzed using several processes, namely, First, data reduction. Second, the presentation of data, after the data reduction process, the data is presented in the form of a description. And third, draw conclusions. The results obtained show that halal awareness which includes the indicators of Halal Syar'i Awareness (Zattiyah), Halal Awareness Hygienic, Halal Safe Awareness (Security) and Halal Quality has a very important role so that business actors consciously understand how to apply halal to their products, and this is in line with the government's role in the ongoing self-declaration program.
Copyright (c) 2025 Muhammad Mujib Baidhowi, Ananto Triwibowo http://creativecommons.org/licenses/by-sa/4.0
PEMAHAMAN MASYARAKAT DESA SARANG BULAN KECAMATAN PENDOPO KABUPATEN EMPAT LAWANG PROVINSI SUMATERA SELATAN TERHADAP ZAKAT PERTANIAN PADI
Zakat adalah salah satu rukum Islam, zakat merupakan mengeluarkan Sebagian tertentu dari harta tertentu sampai nisab kepada orang yang berhak menerimanya dan merupakan kewajiban umat islam yang telah ditetapkan oleh Al-Quran, sunnah nabi dan ijma’ para ulama. Kabupaten Empat Lawang Desa Sarang Bulan memiliki persawahan yang cukup luas maka Sebagian Masyarakat penghasilannya dari hasil pertanian, akan tetapi petani belum memahami tentang zakat pertanian maka mereka masih sangat kurang dalam mengamalkan zakat pertanian. Penelitian ini bertujuan untuk mengetahui bagaimana Pemahaman Masyarakat Desa Sarang Bulan Kecamatan Pendopo Kabupaten Empat Lawang Provinsi Sumatera Selatan Terhadap Zakat Pertanian Padi. Penelitian ini mengunakan Metode kualitatif,data dalam penelitian ini diperoleh dari data primer dan data sekunder. Dalam mengumpulkan data mengunakan metode observasi, wawancara, dan dokumentasi. Hasil Penelitian ini menunjukan bahwa dalam melaksanakan kewajiban zakat, Masyarakat belum begitu memahami bahkan terkadang mereka menyamakan antara shadaka dengan zakat. Masyarakat Desa Sarang Bulan Kecamatan Pendopo Kabupaten Empat Lawang Provinsi Sumatera Selatan termasuk Masyarakat yang belum sadar akan kewajiban zakat, dilihat dari kebiasaan mereka yang ketika panen hanya memberikan kepada Masyarakat yang membutuhkan ataupun kemasjid dalam bentuk infaq atau sadakah yang disebut zakat.
Analisis Pemetaan Potensi Zakat di Provinsi Aceh Tahun 2023
ABSTRAK Aceh adalah wilayah Muslim terbesar di Indonesia dan sering disebut “Serambi Mekah”. Praktik ajaran Islam sangat penting diberlakukan seperti zakat dan bukan hanya sekedar sedekah biasa melainkan ajaran dalam Islam untuk menyelesaikan masalah ekonomi umat. Hal ini menunjukkan potensi zakat yang besar dilihat dari persentase dan jumlah masyarakat muslim yang besar di Aceh. Penelitian ini bertujuan untuk mengidentifikasi potensi zakat di Aceh dan menganalisis distribusinya di berbagai sektor di berbagai kabupaten dan kota yang berbeda, yang dapat memberikan wawasan berharga bagi pemerintah Aceh untuk meningkatkan pengumpulan zakat dan memastikan penggunaannya yang efektif. Potensi zakat yang dimiliki Provinsi Aceh baik dari sektor pertanian, perkebunan, peternakan, perusahaan, uang dan penghasilan. Penelitian ini menggunakan metode Indikator Pemetaan Potensi Zakat (IPPZ) yang diterbitkan oleh Badan Zakat Nasional (Baznas). Data diperoleh dari Badan Pusat Statistik (BPS) dan dianalisis dengan metode IPPZ dialanjutkan dengan pemetaan sehingga terlihat persebaran wilayah potensi zakat. Hasil analisis menunjukkan Provinsi Aceh memiliki potensi zakat sebesar Rp 3,79 Triliyun pertahunnya dengan Rp 422,53 Milyar pada sektor pertanian, Rp 277,33 Milyar pada sektor perkebunan, Rp 353,84 Milar pada sektor Peternakan, Rp 271,14 Milyar pada sektor Uang, Rp 2,35 Milyar pada sektor Perusahaan dan Rp 2,46 Triliyun pada sektor penghasilan. Daerah Kabupaten/Kota yang memiliki Potensi Zakat yang terbesar di Aceh yaitu Banda Aceh, Aceh Utara dan Bireuen.
Copyright (c) 2024 Awalurramadhana Awalurramadhana
Penerapan Manajemen Zakat Produktif Melalui Program ZMART Dalam Meningkatkan Ekonomi Umat di Kota Kupang
Penelitian ini mendeskripsikan kembali penerapan manajemen zakat produktif melalui program ZMART dalam meningkatkan ekonomi umat di Kota Kupang. Metode penelitian dengan pendekatan kualitatif terhadap studi kasus pada sejumlah penerima manfaat Program Zmart di Kota Kupang. Data dikumpulkan melalui wawancara, observasi, dan dokumentasi untuk menganalisis dampak program terhadap kesejahteraan ekonomi penerima program ZMART. Hasil penelitian menunjukkan bahwa pihak BAZNAS Provinsi NTT berupaya menjalankan program ZMART dengan menerapkan fungsi manajemen yang terdiri dari; tahap pertama perencanaan program serta mengumpulkan data dan informasi agar selanjutnya dapat diasesmen sesuai dengan kebutuhan mustahik. Tahap kedua pada penyaluran dilakukan dengan pemberian modal usaha dengan sistem dana hibah yakni mustahik tidak berkewajiban untuk membayar angsuran dari modal yang diterima. Modal usaha tersebut berupa pengadaan dan branding pada produk yang dijual. Pengawasan kepada mustahik penerima program ZMART dilakukan seminggu sekali secara berkelompok ataupun individu dengan mengadakan kunjungan bergilir oleh pendamping diakhiri dengan tahap evaluasi. Penelitian ini mengindikasikan bahwa dengan penerapan manajemen zakat produktif yang tepat, zakat dapat menjadi alat yang efektif dalam memberdayakan ekonomi masyarakat, mempercepat pertumbuhan ekonomi lokal, dan mengurangi ketergantungan pada bantuan sosial
Copyright (c) 2024 Ashabul Yamin, Rob’iah Awaliyah, Hasanah Purnamasari, Awang Darmawan Putra
The Influence of Islamic Branding, Online Customer Reviews, and Tagline on Online Purchase Decisions on Shopee
This research aims to analyze the influence of Islamic branding, online customer reviews and tagline on online purchasing decisions at Shopee by students in Banda Aceh City. The data used is primary data obtained from questionnaires distributed to 160 respondents, students who use Shopee ecommerce in Banda Aceh City. This research used a quantitative approach. The sampling technique uses purposive sampling techniques and is determined by the Hair formula. Technical data analysis using multiple linear regression with the SPSS. The results of this study indicate that the variables of Islamic branding, online customer review, and tagline have a positive and significant effect on online purchasing decisions at Shopee. Simultaneous testing found that the variables of Islamic branding, online customer review, and tagline have an effect on online purchasing decisions at Shopee
Copyright (c) 2024 Parjah Salpina, Khairil Umuri, Hendra Halim, Nurma Sari
DINAMIKA SERTIFIKASI HALAL MELALUI SKEMA SELF DECLARE PADA UMKM DI ACEH: TANTANGAN, PELUANG DAN STRATEGI AKSELERASI DAYA SAING USAHA
Saat ini, jumlah pelaku UMKM di Aceh sangat tinggi dengan segala bentuk jenis usahanya, namun masih banyak yang belum memiliki sertifikat halal yang merupakan salah satu legalitas usaha yang harus dipenuhi. Salah satu bentuk sertifikasi halal adalah dengan skema self declare, model sertifikasi halal ini ditanggapi beragam oleh pelaku UMKM di Aceh. Penelitian ini bertujuan untuk: (1) Menguraikan dinamika sertifikasi halal melalui skema self declare pada Usaha Mikro, Kecil dan Menengah di Aceh. (2) Mengidentifikasi tantangan dan peluang dalam akselerasi daya saing Usaha Mikro, Kecil dan Menengah di Aceh. (3) Menetapkan strategi pelaku usaha dalam akselerasi daya saing Usaha Mikro, Kecil dan Menengah di Aceh. Jenis penelitian ini bersifat deskriptif kualitatif dengan teknik pengumpalan data melalui data sekunder yaitu wawancara dengan informan penelitian pada 4 (empat) wilayah di Aceh. Informan penelitian meliputi pelaku UMKM, Dinas Koperasi dan UMKM Aceh, Pendamping Proses Halal (PPH), Seksi Bima Islam pada Kementerian Agama serta Majelis Permusyawaratan Ulama (MPU). Hasil penelitian menunjukkan bahwa pelaku UMKM antusias dengan pengurusan sertifikasi halal sebagai salah satu pemenuhan legalitas usaha. Tantangan yang ada yaitu kurangnya pemahaman pelaku UMKM terkait penggunaan bahan-bahan usaha yang masuk kedalam positive list dalam skema Self declare. Untuk itu, perlu kerja keras dan upaya pihakpihak terkait dalam meningkatkan kesadaran pelaku usaha akan sertifikasi halal sehingga tercipta akselerasi daya saing usaha para pelaku UMKM.