Jurnal ekonomi dan Bisnis Islam adalah adalah terbitan berkala yang menerbitkan artikel ilmiah dalam bidang: Ekonomi dan Bisnis Syariah, Manajemen, Manajemen Bisnis, Akuntansi Syariah, Keuangan dan Perbankan Syariah, Manajemen Zakat, Infak, Shodaqoh dan Wakaf, Kewirausahaan Islam, Hukum Ekonomi Islam, Pemikiran Ekonomi Islam, Etika Bisnis Islam dan Pasar Modal Islam.
SENTRALISASI PANGSA PASAR SHOPEE DAN PERUBAHAN STRUKTUR PASAR E-COMMERCE INDONESIA
The emergence of centralized market power on a single platform has the potential to shift the competitive landscape from a competitive market to an oligopoly or monopoly. In line with this, this study aims to analyze Shopee's centralized market share and its implications for changes in the Indonesian e-commerce market structure.The method used is qualitative research with a descriptive-analytical approach and case studies. Data were obtained through literature review and documentation in the form of industry reports, scientific journals, and publications related to the development of e-commerce in Indonesia. The analysis was conducted using the Structure Conduct Performance theoretical framework. The results show an increase in market concentration, characterized by Shopee's dominance in terms of visits and transaction activity compared to its competitors. Aggressive promotional strategies, digital ecosystem integration, and network effects are the main factors strengthening this dominant position. The market structure has shifted from a relatively competitive market to a concentrated oligopoly with a single dominant company. This situation has positive impacts in the form of easier market access and increased transactions for MSMEs, but also has the potential to create dependency and the risk of reduced competition in the long term. Therefore, regulatory oversight is needed to maintain the balance and sustainability of business competition in the Indonesian e-commerce industry.
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FAKTOR-FAKTOR YANG MEMPENGARUHI DAYA SAING BANK SYARIAH TERHADAP BANK KONVENSIONAL: TINJAUAN LITERATUR
Bank syariah di Indonesia menghadapi persaingan ketat dengan bank konvensional, terutama di era digital dan perubahan perilaku nasabah. Keunggulan prinsip bagi hasil dan kepatuhan syariah menjadi nilai tambah, namun inovasi produk, kualitas layanan digital, dan literasi masyarakat masih menjadi tantangan. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang memengaruhi daya saing bank syariah melalui analisis literatur. Penelitian menggunakan metode kualitatif dengan pendekatan literature review, dengan menganalisis berbagai penelitian terdahulu terkait faktor internal dan eksternal yang memengaruhi daya saing bank syariah di Indonesia. Hasil penelitian menunjukkan bahwa terdapat lima faktor internal utama yang memengaruhi daya saing bank syariah, yaitu produk dan layanan, promosi dan edukasi, sumber daya manusia, teknologi dan infrastruktur, serta struktur dan operasional. Selain itu, faktor eksternal seperti kondisi makroekonomi, regulasi, dan pengawasan Dewan Pengawas Syariah juga berperan signifikan. Keunggulan produk syariah, kompetensi SDM, literasi nasabah, serta percepatan digitalisasi menjadi determinan penting dalam membentuk posisi kompetitif bank. Peningkatan daya saing bank syariah memerlukan strategi holistik yang mengintegrasikan penguatan faktor internal dan adaptasi terhadap faktor eksternal.
STRATEGI PEMASARAN RELASIONAL DALAM MENINGKATKAN LOYALITAS NASABAH BANK SYARIAH DI ERA DIGITAL
Competition in the Islamic banking industry in thedigital era requires marketing strategies that are oriented towards buildinglong-term relationships to increase customer loyalty. This studyaims to analyze the relational marketing strategies implemented by Islamic banksto increase customer loyalty in the digital era. A descriptive qualitative approachwas used with a purposive sampling technique toselect informants, consisting of relationship officers, marketing personnel, customerservice personnel, and active customers who use digital services. Data were collected throughin-depth interviews, observations, and documentation studies, then analyzedusing thematic analysis techniques. The results showed that Islamic banksimplemented relational marketing strategies through the personalization of digital services, digital-based interactive communication, continuous interaction, andthe impact of relational marketing strategies on customer loyalty. The success of the strategy is influenced by customer trust, the quality of digital interactions,company commitment, and human resource competence in digital technology. This studycontributes to the development of the concept of digital relational marketing inIslamic banking and provides practical recommendations for Islamic bank managementin optimizing customer loyalty.
DAMPAK PENERAPAN SERVICE EXCELLENCE TERHADAP TINGKAT KEPUASAN NASABAH BANK SYARIAH
This study aims to analyze the impact of implementing service excellence on the level of satisfaction of Islamic bank customers through a literature review approach. The research was conducted by reviewing various journals, books, and scientific reports that discuss service quality, dimensions of service excellence, and customer satisfaction in the context of Islamic banking. The results of the study show that the implementation of service excellence including responsiveness, reliability, assurance, empathy, and physical evidence consistently contributes positively to increased customer satisfaction. Fast, professional, and Sharia-compliant services have been proven to increase customer trust and comfort. However, some literature indicates that challenges remain, particularly regarding human resource quality, service consistency, and digital technology development. Therefore, improving employee competence and service innovation are important strategies for strengthening Islamic bank customer satisfaction.
ANALISIS PERAN KEBIJAKAN TARIF DAN NON TARIF PEMERINTAH TERHADA DAYA SAING EKSPOR TEMBAKAU INDONESIA
Penelitian ini bertujuan menganalisis peran kebijakan tarif dan non-tarif pemerintah terhadap daya saing ekspor tembakau Indonesia di pasar internasional serta membandingkan efektivitas kedua instrumen tersebut dalam meningkatkan kinerja ekspor. Permasalahan utama yang melatarbelakangi penelitian ini adalah ketidakseimbangan antara upaya peningkatan ekspor komoditas tembakau sebagai sumber devisa dan penerapan regulasi kesehatan global yang ketat, yang menimbulkan hambatan kepatuhan dan menurunkan daya saing produk Indonesia. Penelitian menggunakan metode deskriptif kualitatif berbasis data sekunder dari publikasi resmi pemerintah, artikel ilmiah terakreditasi, serta laporan statistik perdagangan. Hasil penelitian menunjukkan bahwa kebijakan tarif berpengaruh langsung terhadap struktur harga dan stabilitas pasokan tembakau, sehingga menjadi instrumen strategis dalam memperkuat daya saing melalui pengaturan harga dan perlindungan petani. Sementara itu, kebijakan non-tarif seperti sertifikasi mutu, standar teknis, pelabelan kesehatan, dan regulasi pengemasan terbukti menimbulkan hambatan signifikan berupa peningkatan biaya operasional dan penyempitan akses pasar, terutama bagi eksportir skala kecil, meskipun juga membuka peluang peningkatan kualitas dan inovasi produk berisiko rendah. Secara keseluruhan, efektivitas daya saing ekspor tembakau Indonesia memerlukan sinergi kebijakan adaptif dan dukungan pemerintah dalam fasilitasi sertifikasi, diplomasi perdagangan, dan modernisasi industri agar ekspor tetap berkelanjutan di tengah dinamika pasar global.
TATA KELOLA DAN KEPATUHAN SYARIAH SEBAGAI INSTRUMEN PENCEGAHAN MISSION DRIFT PADA KOPERASI SYARIAH DI INDONESIA
Sharia cooperatives, as an integral component of Islamic Non-Bank Financial Institutions (LKSNB), play a strategic role in strengthening the economic structure of Muslim communities through a financial distribution mechanism rooted in justice and the values of maqāṣid al-sharī‘ah. However, the development of several sharia cooperatives in Indonesia has shown indications of mission drift, which is a shift in orientation from socio-economic objectives towards a profit-dominated agenda, risking the obscuring of foundational Islamic economic values that prioritize collective welfare. This study aims to analyze the relationship between the implementation of good governance and sharia compliance with the tendency of mission drift within Indonesian sharia cooperatives. Employing a descriptive qualitative approach utilizing secondary data sourced from reports issued by the Financial Services Authority (OJK), the National Committee for Sharia Economics and Finance (KNEKS), as well as internationally reputable academic publications , the findings reveal that the implementation of transparency, accountability, and the effectiveness of sharia supervisory mechanisms still faces structural challenges. Sharia Supervisory Boards (DPS) have not fully exercised their active role in ensuring operational adherence to sharia principles, while external pressures to accelerate asset growth and liquidity often stimulate deviation from the social mission. Therefore, this study emphasizes the urgent need for an integrative model that harmonizes the sharia governance framework with the cooperative governance model, enabling sharia cooperatives to uphold maqāṣid al-sharī‘ah values while simultaneously achieving equitable and sustainable economic performance
Copyright (c) 2025 J-EBI Jurnal Ekonomi dan Bisnis Islam
PENGARUH TINGKAT PENDIDIKAN DAN MASA KERJA TERHADAP KINERJA KARYAWAN TOKO GAYA MART CIPARI TAHUN 2024
Education level and length of service are closely related to employee performance. A higher level of education is often associated with better knowledge and skills, and longer years of service will provide more experience, which can contribute to improved employee performance. This research aims to find out whether these two variables contribute to employee performance. The method used in this research is quantitative with a multiple linear analysis approach. Data was collected through questionnaires distributed to all 46 employees of the Gaya Mart Cipari Store. Which means this research uses a saturated sampling technique. The research results show that partially, education level does not has a significant effect on employee performance with a significance value of 0.088, while length of service also does not show a significant effect on employee performance with a significance value of 0.116. The research, simultaneously, these two variables have a significant effect on employee performance with a significance value of 0.029. The R Square value of 0.152 shows that only 15.2% of factors in employee performance can be explained by education level and length of service. The remaining 84.8% was influenced by other factors not examined in this study.
IMPLEMENTASI ETIKA BISNIS ISLAM UNTUK MEMPERKUAT KINERJA DAN KEBERLANJUTAN UMKM BANJANEGARA
Education and the implementation of Islamic business ethics play a crucial role in strengthening the performance and sustainability of SMEs, particularly in Banjarnegara Regency. This study aims to explore the application of Islamic business ethical values as a strategy to enhance SME performance and sustainability. The research is a field study using a qualitative descriptive approach. Data were collected through in-depth interviews, observations, and documentation involving 50 SME actors in the food, beverage, and small trade sectors. The findings indicate that integrating values such as honesty, justice, trustworthiness, transparency, and social responsibility can enhance business integrity and reputation, build consumer trust, promote healthy business growth, and strengthen competitiveness through professionalism and sustainable ethical practices. Government support through market programs, training, machinery assistance, and halal certification also plays a significant role in improving product quality and expanding SME markets. In conclusion, the synergy between the application of Islamic business ethics and government support creates a tangible, measurable, and effective model of business sustainability.
STRATEGI PENGEMBANGAN KARIER DAN RETENSI KARYAWAN PADA LEMBAGA KEUANGAN SYARIAH DI KECAMATAN MAJENANG KABUPATEN CILACAP
This study examines the career development strategies and factors influencing employee retention at Islamic Financial Institutions (IFIs) in Majenang District, Cilacap Regency. The research's background is the dynamic role of IFIs in the economy and the unique challenge of managing human resources who are not only technically competent but also possess Sharia integrity. Employee retention is a crucial issue as qualified human resources with sharia integrity are often targeted for recruitment by competitors, both other IFIs and conventional institutions. This research used a qualitative approach with a case study method, where data was collected through in-depth interviews with managers, leaders, and employees from BSI KCP Diponegoro Majenang, BPRS Syuriah Majenang, and BMT Surya Utama Majenang. The findings indicate a significant difference in the strategies implemented: BSI uses a formal and structured approach, consistent with the Competency-Based Career Planning Model and the Dual Career Path Model. Meanwhile, local IFIs adopted an informal and personal approach through coaching and discussions, aligning with the concept of informal learning and the Protean Model. The main factors influencing employee retention were spiritual motivation viewing work as an act of worship and a trust (amanah) a supportive work environment, and fair leadership. Employee retention is successfully achieved through the integration of sharia values into human resource management, creating an organizational culture based on ukhuwah (brotherhood) and amanah (trust).
TRANSFORMASI PERILAKU INDUSTRI DAN IMPLEMENTASI SYARIAH PADA UMKM HALAL DI ERA DIGITAL
Industrial behavior has undergone a significant transformation from conventional market frameworks to adaptations required by digital disruption, with meaningful implications for SME actors, particularly in the halal industry sector. This study aims to investigate the dynamics of industrial behavior changes concerning perfect competition, imperfect competition, and the era of digital disruption, and to relate these changes to the implementation of Sharia principles in halal SMEs. The methodology employed is qualitative descriptive, using literature review and field observation. The field study focuses on the home-based cake business “Dapoer Yesi” located in Lhokseumawe. The findings indicate that halal SME industrial practices successfully integrate efficiency, technological innovation, and Sharia values throughout business operations. Despite challenges related to regulations and accessibility of halal certification information, dedication to halal-thayyib principles remains strong among SME actors. This study highlights the need for supportive policies aimed at promoting digitalization and facilitating halal certification, enabling halal SMEs to grow and compete ethically and effectively in an evolving market landscape.
PERKEMBANGAN, PENGAWASAN DAN PENGENDALIAN BANK SYARIAH DI INDONESIA
Islamic banking is a banking system developed based on Islamic law. Indonesia, where the majority of the population is Muslim, provides ample space for the development of Islamic banks. The development of Islamic banking in Indonesia has become a benchmark for the successful existence of the Islamic economy. The Sharia Banking Supervisory Authority in Indonesia examines Islamic banking supervision from a normative juridical perspective. Regulation and supervision of Islamic banking based on Law Number 3 of 2004 concerning Amendments to Law Number 23 of 1999 concerning Bank Indonesia and Law No. 21 of 2008 are the authority of BI. After the enactment of Law No. 21 of 2011 concerning the OJK, sharia banking supervision, which was originally the authority of BI, shifted to the OJK. The internal control system implemented must be in accordance with applicable policies and regulations so that the results obtained can have a positive impact on the financing transactions carried out.
EVALUASI KINERJA KEUANGAN PERBANKAN SYARIAH DI INDONESIA MENGGUNAKAN METODE RGEC DAN ISLAMICITY PERFORMANCE INDEX (IPI)
This study aims to determine the financial performance of Islamic banking in Indonesia using the RGEC method and the Islamicity Performance Index.To find out this, researchers used a descriptive quantitative method with secondary data collection techniques in the form of financial reports that are available on the official website of each Islamic bank for the 2017-2021 period. The samples used were 5 Islamic Banks. The results of financial performance research using the REC method (Risk Profile, Earnings and Capital), namely NPF, FDR, BOPO and CAR show that the five banks are in good condition. However, the Earnings ratio (ROA) of Bank Muamalat Indonesia is considered Not Good with an average percentage of 0.04% and the other four banks are considered Fairly Good with an average percentage of ≥0.05%. The results of the research on financial performance using the Islamicity Performance Index method on the Profit Sharing Ratio show that the four Islamic banks are in good condition and Bank BTPN Syariah is in a bad condition with an average percentage of 0.024% less than 30%. The Zakat Performance Ratio and Equitable Distribution Ratio of the five Islamic banks are stated to be very unfavorable. In Islamic Investment vs. Non-Islamic Investment and Islamic Income vs. Non-Islamic Income, the five Islamic banks are stated to be very good with an average percentage of ≥50.
BIAYA ADMINISTRASI PEMBIAYAAN DI BAITUL MAAL WAT TAMWIL (BMT) DALAM PERSPEKTIF EKONOMI ISLAM
BMT provides financing services to the community with the implementation and its products refer to Al-Qur'an and Hadith interpreted in the fatwa of the national sharia council of clerics indonesia. In realizing the financing, BMT also implements the administrative cost of financing as a pre-requisite to be paid by the member of the financing if the financing is realized. The absence of definite technical rules in determining the size of the administrative costs of financing makes the BMT in determining the administrative costs tend to adopt the ways undertaken by conventional financial institutions where in determining administrative costs based on a percentage of the size of the nominal financing. This shows the possibility of the BMT looking for its own advantages behind the administration of financing, because the greater the cost it will be the greater the administrative costs to be paid.
PENGARUH PENERAPAN ETIKA BISNIS ISLAM TERHADAP SISTEM JUAL-BELI DI PASAR TRADISIONAL(Studi Kasus pada Pasar Caplek di Kecamatan Majenang, Kabupaten Cilacap, Jawa Tengah)
Business ethics in buying and selling things that must be prioritized, it can't be separated from business ethics, many previous studies have shown a positive relationship between business ethics and trade success, the greater awareness of traders in ethics in business determines the importance of linking factors ethics in business, this study analyzes how much influence Islamic business ethics has in buying and selling at the Majenang Caplek Market. The type of research used is field research with quantitative methods using normative and sociological approaches. The subjects of this research are all traders who are in the Caplek market. The sample of respondents in this study was 30 people with the method of spreading by simple random sampling, which was carried out randomly without regard to the existing strata in the population. The results of this study found that there is a positive influence between the application of Islamic business ethics and the buying and selling system in the Majenang Caplek market with the regression equation Y: 2.713 + 0.470 X, it can be interpreted that the Islamic business ethics variable (X) has a significant effect on the selling system. buy at the Majenang Caplek market
Pengaruh Harga dan Kemudahan Penggunaan Terhadap Keputusan Pembelian Fesyen Muslim di Tokopedia Salam
Tokopedia Salam is the first marketplace in Indonesia that specifically sells halal products, Muslim fashion and services related to Muslims. This feature was released by Tokopedia since 2019 with the aim of making it easier for Muslims to fulfill their daily needs without fear that the products or services purchased contain ingredients that are forbidden in Islam. This study aims to determine the effect of Price and Ease of Use on Muslim Fashion Purchase Decisions at Tokopedia Salam. The type of research used is quantitative research. Data collection was carried out through questionnaires distributed to Tokopedia Salam consumers in Central Java using a purposive sampling technique. Data analysis of this study includes instrument tests, namely validity and reliability tests, classical assumption tests, namely normality tests, multicollinearity and heteroscedasticity, and statistical tests, namely the validity test of influence (t), model suitability test (f) and determination coefficient test (R2) which are processed using SPSS. The results of the study indicate that based on the t-test, price and ease of use have a significant positive effect on purchasing decisions, price and ease of use also have a joint effect on purchasing decisions.
ANALISIS PENERAPAN HARGA PASAR BERDASARKAN TINGKAT PRODUKSI PADA KOMODITAS CABAI MERAH DALAM PERSPEKTIF MAQASHID SYARIAH
This study aims to analyze the application of market prices based on production levels on red chili from the maqashid sharia perspective by the Juli Farmers Group in Sidodadi Ramunia Village, Beringin District, Deli Serdang Regency, North Sumatra. This research is a descriptive qualitative research, the data collection methods are observation, interviews and documentation. The subject of this study was focused on 30 red chili farmers using a purposive sampling technique. The results of this study indicate that changes in the price of red chilies on the market do not affect the high or low quantity of red chili production produced by farmer Juli Tani, Sidodadi Ramunia Village. Fluctuations in chili prices have not made red chili farmer Juli Tani switch to producing other commodities. The most basic reason for this decision is due to a strong belief in interest and experience in red chili farming, as well as other factors that affect production such as land area, labor and fertilizer. The average net income of Juli Tani's red chili farmers with 1,050 kg/rante in one harvest is Rp. 5,682,500, whereas if calculated per year Rp. 11,065,000 or around Rp. 1,844,166/month. The application of maqashid sharia in looking at market prices is when at-tas'ir (pricing) is permitted if human benefit can be realized. Islam requires the government to intervene in prices if there are indications of market distortions. For the application of maqashid sharia, the level of production is assessed from the Maslahah (M) value obtained by the Juli Red Chili Farmers Group, Sidodadi Ramunia Village in production activities, namely Rp. 11,715,000.
ANALISIS TEORI PENAWARAN ISLAMI DALAM PRAKTIK UMKM: STUDI KASUS GEPREK BU IDA DI KEDIRI
The research aims to analyze the implementation of Islamic Supply Theory within an MSME in Kediri, specifically Warung Geprek Bu Ida. Supply theory from an Islamic economic perspective emphasizes the principles of justice (al−′adl), social responsibility, and environmental sustainability, which serve as the foundation for production activities and pricing. The research employed a field study with a qualitative descriptive approach. Data sources were obtained through direct observation and interviews with the business owner. The study concludes that the Islamic Supply Theory is effectively implemented by the informal MSME Warung Geprek Bu Ida. Its implementation is based on three ethical dimensions: justice (al−′adl) and Maslahah in pricing (by maintaining small margins); informal Social Responsibility (R) in the form of affordable prices as a community contribution; and the internalization of External Costs through Khilafah (stewardship) awareness in waste management. Overall, this case study demonstrates that spiritual motivation (Falah) is the key variable shaping the Islamic supply curve at the micro-business level.
PENGARUH LITERASI KEUANGAN SYARIAH, SOCIAL INFLUENCE, KEMUDAHAN, DAN KEMANFAATAN TERHADAP MINAT PENGGUNAAN E-MONEY SHOPEEPAY
This research examines the influence of sharia financial literacy, social influence, convenience and usefulness factors on interest in using Shopeepay e-money. With advances in technology, it is now easy for people to make transactions using just a smartphone as well as electronic payments such as e-money. This research uses quantitative methods. The sample in this study was generation Z Muslims who used ShopeePay e-money, totaling 96 respondents who were calculated using the ancient rao formula. Questionnaire data collection techniques. Multiple linear regression analysis technique. The results of the research show that sharia financial literacy has a significant positive effect on interest in using ShopeePay e-money, obtained by a value of tcount > ttable, namely 2.259 > 1.6617 with a significance value of less than 0.05 (0.026 < 0.05). Social Influence has a significant positive effect on interest in using ShopeePay e-money, obtained by a value of tcount > ttable, namely 2.218 > 1.6617 with a significance value of less than 0.05 (0.029 < 0.05). Convenience has a significant positive effect on interest in using ShopeePay e-money. The value obtained is tcount > ttable, namely 2.426 > 1.6617 with a significance value of less than 0.05 (0.017 < 0.05). And usefulness also has a significant positive effect on interest in using ShopeePay e-money. The value obtained is tcount > ttable, namely 2.029 > 1.6617 with a significance value of less than 0.05 (0.045 < 0.05).
MANAJEMEN PERENCANAAN BISNIS SYARIAH PADA E-COMMERCE
The large digital market in Indonesia has made startups mushroom in Indonesia. If this continues, online business competition will become increasingly tight and a mature business plan is needed to survive and compete with competitors. The application of sharia principles to online businesses and their planning has been studied for a long time, so it is not something new. However, sharia business planning has not been fully applied to online businesses. This study uses a descriptive analysis method through a literature review of journals and articles. Sharia business planning in online businesses must pay attention to maqashid sharia through the implementation of buying and selling transaction procedures, namely buyers register and sign in, buyers choose products, make purchases, make payments, sellers send products to buyers, and certain conditions such as returns and exchanges. The implementation of the transaction procedure for buying and selling must be in accordance with the principles of buying and selling in Islam which are carried out with elements of willingness with the existence of a contract, the benefits of the object and subject being transacted, justice with pricing and taking reasonable profits, not exploiting, being honest about the product information conveyed in detail, freedom from khiyar, avoiding elements that are prohibited in Islam, namely maisir, gharar, usury and haram, and sahih, namely the conditions and pillars of buying and selling on e-commerce are met.
ANALISIS PERTUMBUHAN KONSUMSI PRODUK HALAL DI BERBAGAI SEKTOR EKONOMI INDONESIA HINGGA TAHUN 2025
The increasing demand for halal products is in line with the growth of the Muslim population and public awareness of the importance of halal products, as well as policy support from the government. Halal products now cover a wider range of sectors, such as food, cosmetics, pharmaceuticals, tourism and finance. This literature research was carried out using secondary data analysis methods obtained from various literature sources, industry reports, and previous academic research discussing the development of halal products globally and in Indonesia. The literature analyzed includes the halal concept, global halal economic growth, related government policies, and the role of regulations in encouraging the consumption of halal products. The research results show that consumption of halal products is expected to increase significantly, reaching a total of US$282 billion, which marks a 53% increase in consumption value in 2020. The food and beverage sector is the largest contributor to this growth, with a projected increase of US$135 billion in 2020 to US$204 billion in 2025. Apart from that, the media and recreation sector also shows significant growth. Even though the tourism sector has experienced negative impacts due to the pandemic, it is hoped that this sector will recover along with the recovery of the post-pandemic tourism industry.
RESPON PENGUSAHA TENTANG FITUR QRIS SEBAGAI MEDIA TRANSAKSI DALAM PERSPEKTIF KEUANGAN SYARIAH DI KOTA WATAMPONE
The purpose of this research is to determine the response of entrepreneurs in Watampone City towards the QRIS feature as a transaction medium and analyzing QRIS features as a transaction medium from the perspective of islamic finance in Watampone City. This research uses a qualitative approach, with data collection techniques namely observation and interviews. The data analysis techniques used are data reduction, data condensation, and drawing conclusions. The results of the study show that 1) The response of entrepreneurs in the city of Watampone to the QRIS feature as a transaction medium shows a positive response to the QRIS feature because it provides ease of transactions, efficiency, and opportunities to develop a more modern business. 2) The QRIS feature as a transaction medium in Watampone City meets the main principles in Islamic finance, namely the prohibition of usury, transparency, and prevention of double payments. This provides an efficient and Sharia-compliant transaction solution, so it can be accepted and used by entrepreneurs in carrying out their economic activities.
In the context of growing globalization, understanding the concepts of halal and haram in Islamic economics is crucial. This concept functions as a guide to determine the legality of actions and reflects the moral and ethical values ​​in Islamic teachings. Halal means “permitted” and haram means “prohibited,” both of which underlie Muslims' economic decisions. The main sources of this concept are the Koran and Hadith, but its application is increasingly complex along with innovations in financial instruments and market developments. This type of research is library research with a qualitative approach. This research pays more attention to the concepts of halal and haram in the lives of Muslims which are clearly outlined in the Naqli proposition. The research results show that Islam teaches that the rules of halal (mubah) and haram are not determined by the needs of individuals or society. Halal has become an integral part of the value framework in Islamic science, functioning as a guideline that directs the behavior of the community. Thus, it can be concluded that halal philosophy includes several aspects. From an ontological perspective, halal is related to understanding the nature of something. From an epistemological perspective, halal rules are related to efforts to understand Islam correctly through a proper study process. This includes efforts or "ijtihad" to apply halal rules in sharia economic transactions. Meanwhile, from an axiological perspective, halal rules play an important role in providing appropriate guidance for humans in living their lives.
FAKTOR YANG MEMPENGARUHI ANTI OLIGOPOLI DAN PERSAINGAN BISNIS TIDAK SEHAT
An unhealthy oligopoly will give rise to business competition for economists. For economists, the definition of Oligopoly is a form of imperfect market competition where the supply of products is controlled by a number of companies. Typically, the number of companies is more than two but less than ten. Every time a company changes its price, it will be considered by other companies because of mutual trust in the market. This research is literature research using a qualitative approach, namely by reviewing literature books in accordance with the theory discussed, especially regarding the scope of Oligopoly and unhealthy business competition. This qualitative method describes existing phenomena or realities, both natural and human engineered. The research results show that the phenomenon of oligopoly and unhealthy business competition is important to understand in the context of the development of the business world. Oligopoly, as a form of imperfect market, has several negative impacts on society, especially related to rising prices of basic necessities and a lack of flexibility to compete. However, oligopoly markets also have advantages, such as price stability which tends to be maintained, product innovation and efficiency in the processing process.
DISTRIBUSI ZAKAT DI LAZISNU DALAM UPAYA MENINGKATKAN KESEJAHTERAAN MASYARAKAT KEBUMEN
The aim of this research was to examine: How Zakat is distributed at LAZISNU Kebumen in an effort to improve the welfare of the people of Kebumen. This research is field research with a qualitative approach. Data collection techniques are carried out by collecting literature data from several literatures related to the issues raised, which basically differ in interpretation in understanding each division, and then the author examines and analyzes the existing data. Data analysis techniques are carried out by data reduction, which means summarizing, selecting, and sorting out the main things, focusing on important things, and looking for themes and patterns. The results of this study show that the pattern of distribution of Zakat funds in LAZISNU Kebumen is consumption management and productive management of Zakat. The consumptive model of distributing ZIS funds is not only staples but consumptive goods that are not only eaten but also dead assets cannot increase. While the productive model is usually distributed for business development, capital, and entrepreneurial training. The distribution of zakat to improve the welfare of the Kebumen community can be seen when a recipient of zakat has improved his economic level and can turn into a muzaki, no longer a mustahik.
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PENERAPAN TEKNOLOGI BLOCKCHAIN DALAM INDUSTRI KEUANGAN SYARIAH : TANTANGAN DAN PELUANG
The Islamic finance industry has experienced rapid growth in recent years. However, the industry still faces several challenges, such as lack of transparency, risk of fraud, and inefficiencies. Blockchain technology is emerging as a potential solution to overcome these challenges. Application of blockchain technology in the Islamic finance industry, including the challenges and opportunities obtained from its implementation. The research methodology involves a literature review and case study of various projects and pilot projects that use blockchain technology in the field of Islamic finance. In this research, the method used is a literature review. A literature review is carried out by collecting and analyzing various sources of information relevant to the research topic. The results of the literature review show that blockchain technology has great potential in overcoming the challenges of transparency, risk awareness and efficiency in the Islamic financial system. Case studies show examples of projects that integrate blockchain technology, such as a sharia interest rate platform, a price disclosure system, and a sharia digital payment solution. The analysis results show that the application of blockchain technology in the Islamic finance industry has the potential to reduce administrative costs, secure transactions, simplify transactions, and expand the Islamic investment market. However, there are still challenges that must be addressed, such as protocol standardization, regulations and current technological limitations. This research provides a basis for developing strategies for using blockchain technology that are more effective in supporting the growth of the Islamic finance industry.
ANALISIS KECENDERUNGAN PEMBELIAN SECARA IMPULSIF DITINJAU DARI SUDUT PANDANG ISLAM
The needs of modern consumers are often influenced by capitalist lifestyles that complicate the understanding between needs and wants. Impulse buying is a common phenomenon that raises questions about the compatibility of this consumptive practice with Islamic teachings that emphasize balance and justice. This study aims to analyze impulse buying tendencies from an Islamic perspective. Through a qualitative descriptive approach, this research analyzes various relevant literatures to understand the factors that drive impulse buying and its implications in the context of Islamic values. The results show that impulse buying often violates the principle of istishab (continuity) in Islam and can lead to unhealthy consumptive behavior that is financially and spiritually detrimental. Therefore, a deeper understanding of Islamic teachings and values and the application of these practices in daily life is expected to help Muslims overcome impulse buying tendencies and develop more balanced and responsible consumption patterns.
EKSPLORASI TEORI DISRUPSI SYARIAH TERHADAP INOVASI PERBANKAN SYARIAH DI ERA DIGITAL DIGITAL CLAYTON CHRISTENSEN DAN MAQASHID EKSPLORASI TEORI DISRUPSI SYARIAH TERHADAP INOVASI PERBANKAN SYARIAH DI ERA DIGITAL DIGITAL CLAYTON CHRISTENSEN DAN MAQASHID
This research holistically explains the innovation of Islamic banking in the digital era, where, in the last decade, the digital revolution has changed the way financial institutions operate, triggering challenges and opportunities for Islamic banking. Through in-depth desk research with qualitative research based on analytical descriptive analysis to highlight the complex challenges and innovations faced by Islamic banking accompanied by Clayton Christensen's Digital Disruption theoretical framework and Maqashid Syariah concept. This research highlights the various challenges Islamic banking faces, ranging from integrating digital technology with Sharia principles to competition with conventional financial institutions, the information gap and the need for competent human resources. On the other hand, innovations in Islamic banking products in the digital era include using technologies such as mobile banking, blockchain, and AI to improve services and operational efficiency and expand access to finance through innovative financing and investment products. Analysis based on Clayton Christensen's Digital Disruption theory reveals how Islamic banking adopts technology to offer more efficient and personalised solutions to customers, while the Maqashid Shariah perspective shows how such innovations fulfil the objectives of Islamic law, such as safeguarding religion, soul, mind, offspring, and property, as well as protecting the environment. Overall, Islamic banking product innovation in the digital era illustrates the synergy between technology and Sharia principles to create a fair, inclusive, sustainable financial ecosystem. By continuously developing solutions that meet the needs of modern society while maintaining the integrity of Sharia values, Islamic banking is at the forefront of providing added value to customers and society while opening up new economic growth opportunities.
PENGARUH INTERNASIONAL TERHADAP PERKEMBANGAN PEMBANGUNAN EKONOMI DI INDONESIA
The economy of a nation is impacted by its own global influence and prowess. This is also applicable to Indonesia. Indonesia must confront a complex and multifaceted global landscape. Hence, it is imperative to establish clear-cut criteria to ensure the attainment of economic development objectives. This study employed library research as a methodology and utilized descriptive analysis to investigate the factors influencing national economic development, with a specific focus on the Indonesian state. The success or failure of Indonesia's economic development is contingent upon international influence, which is shaped by the intricate global landscape. Indonesia's economic progress is intricately linked to various significant events such as conflicts between energy and food producing nations, pandemics, foreign debt held in foreign currencies, particularly the US dollar, economic downturns and soaring inflation in the US and Europe, as well as the impact of globalization through international trade and foreign investment.
Bank interest is interpreted the same as usury. This is due to the incompatibility of bank interest with Islamic shari'a in the interest determination system. However, in another perspective, some scholars view bank interest as something that is not worthy of being categorized as usury because the determination of interest is a mu'amalah or economic matter whose basis is willingness and agreement. Islamic Economic Figure Syafruddin Prawiranegara has a perspective that the Islamic-based economic system and bank interest are not in conflict with each other. Bank interest is different from riba in Islam, reasonable bank interest is not the same as usury. Riba in Syafruddin's view is a profit obtained from transactions that are exploitative and fraudulent, riba can occur in cash or credit transactions. The Islamic economic system is actually an economic activity that is guided and directed by Islamic norms. The purpose of this study is to comprehensively examine Syafruddin Prawiranegara's views on Bank Interest. This study used non-participant qualitative methods. This method adopts a library review approach. The results of this study describe usury and bank interest, religious and economic concepts in Syafruddin Prawiranegara's view, and Syafruddin Prawiranegara's thoughts on permissible interest.
ANALISIS KEPUASAN PENGUNJUNG ATAS LAYANAN KANTOR PELAYANAN, PENYULUHAN DAN KONSULTASI PERPAJAKAN DALAM PRESPEKTIF EKONOMI SYARIAH
KP2KP Majenang is the parent tax office of KPP Pratama Cilacap. As a government organization that carries out its duties in collecting State revenue and at the same time is obliged to provide services to the community, the role and function of the Directorate General of Taxes is becoming increasingly important. Good service quality is one of the efforts to increase taxpayer compliance. Self-service in the tax sector can be interpreted as services provided to Taxpayers by the Directorate General of Taxes to help Taxpayers fulfill their tax obligations Tax services are included in public services because they are carried out by government agencies, aim to meet the needs of the community and in the context of the implementation of the law and are not profit-oriented. KP2KP Majenang has a five-star rating for service satisfaction in google reviews. Overall, visitor satisfaction with the service at the tax office