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This research aims to find out the mechanism for implementing Islamic business ethics among traders in the Gus Dur Tomb religious tourism area, Jombang. This research uses a qualitative descriptive approach with direct observation and in-depth interviews. Data was collected through observation, interviews with traders, and literature study. The research results show that many traders in the region do not fully understand and apply the principles of Islamic business ethics in their trading activities. Unhealthy trading practices that are not in accordance with sharia are still found, even in religious tourism areas. This research suggests the need for education and outreach regarding Islamic business ethics to traders to create a market environment that is fairer and in accordance with Islamic principles.

This article investigates the principles and practices of Akad Ijarah and its application in Islamic banking. Using a literature review method, this article explores the fundamental concept of Akad Ijarah and analyzes its implementation in the context of Islamic banking. The research aims to provide a deep understanding of the structure, mechanisms, and benefits of Akad Ijarah for Islamic financial institutions. The analysis results present a comprehensive overview of how Akad Ijarah is implemented in the practices of Islamic banking, as well as the challenges and opportunities it faces. These findings have significant implications for the development of Islamic banking products and services that adhere to Shariah principles. In conclusion, this research highlights the importance of a solid understanding of Akad Ijarah in ensuring the compliance of Islamic banking with Shariah principles.  

In the era of globalization and modern economic development, the Islamic banking industry has become one of the fastest growing sectors in Indonesia. Nevertheless, there are still challenges in building public trust in the Islamic banking system. This article aims to review the literature related to strategies and challenges in building public trust in Islamic banks. Through a comprehensive literature review, this article explores the factors that influence public trust, such as sharia principles, transparency, and quality services. In addition, the article also analyses the challenges faced by Islamic banks, such as public perception, lack of understanding, and competition with conventional banks. By identifying existing strategies and challenges, this article provides valuable insights for the Islamic banking industry, academics, and policymakers in an effort to increase public trust and foster sustainable growth within the sector.    

development of sharia economics in Indonesia, sharia financial institutions, especially Baitul Maal Wat Tamwil, have the main goal of being able to help and alleviate problems, especially the problem of limited capital based on Sharia principles. Because many entrepreneurs have limited business capital. Therefore, with this research, entrepreneurs who need it will have information about the financing mechanism with a Mudharabah agreement, for those who have limited business capital. BMT UGT Nusantara has several financing products, one of which is the mudharabah contract. Mudharabah financing is an agreement where the shohibul maal provides funds to the mudharib with the profits divided according to the profit sharing and nibah agreed at the beginning of the contract. The mudharabah financing mechanism at BMT UGT Nusantara Kepanjen requires members to fulfill the requirements, then the BMT will carry out analysis and observations to ensure the eligibility of the recipient of the financing, if it has been approved they will inform you of the disbursement of funds and carry out an agreement. When the contract is executed, BMT and the customer enter into an agreement on the division of the ratio and margin. This research uses qualitative methods, with field research and interviews with BMT staff as a means of obtaining information

Islamic banking, with principles based on Islamic law, has developed rapidly and become an important part of the global financial system. In the last few decades, Islamic banking has not only been seen as an alternative to conventional banking, but also as an instrument that can make a significant contribution to sustainable economic development. Sharia principles such as the prohibition of riba (interest), maisir (speculation), and gharar (uncertainty) as well as a commitment to social justice and general welfare provide a strong foundation for promoting a sustainable and inclusive economy. This research describes the challenges and opportunities of Islamic banking in realizing sustainable economic development in the form of writing based on literature studies carried out by finding secondary data obtained from literature studies carried out. In expressing the challenges and opportunities of sharia banking in realizing sustainable economic development, it is carried out using the concept of sustainable economic development by looking at three aspects, namely social aspects, economic aspects and environmental aspects.

Abstract. This study analyzes the factors determining customers' choices regarding wadiah savings in Islamic banks. Islamic banks, as financial institutions operating based on Islamic principles, offer wadiah savings products that are free from interest, speculation, and uncertainty, making them an attractive option for individuals who wish to accumulate savings in accordance with sharia. Using qualitative methods and a literature study approach, it was found that the determinants of customers choosing wadiah savings are influenced by internal and external factors. Internal factors include personality, religiosity, knowledge, and family influence. External factors include occupation, social interaction, service quality, and other factors such as economic conditions, technology, regulation, and promotion. Understanding these factors is crucial for Islamic banks in designing effective marketing strategies. These strategies can enhance customer satisfaction, attract new customers, and strengthen the position of Islamic banks in a competitive market. Keywords: Sharia Bank, Wadiah Savings, Influence Factors, Marketing Strategy. Abstrak. Penelitian ini menganalisis faktor-faktor yang menentukan pilihan nasabah terhadap tabungan wadiah di bank syariah. Bank syariah, sebagai lembaga keuangan yang beroperasi berdasarkan prinsip-prinsip Islam, menyediakan produk tabungan wadiah yang bebas dari unsur bunga, spekulasi, dan ketidakpastian, menjadikannya pilihan menarik bagi individu yang ingin mengakumulasi tabungan sesuai dengan syariah. Dengan menggunakan metode kualitatif dan pendekatan studi literatur, ditemukan bahwa penentu nasabah dalam memilih tabungan wadiah dipengaruhi oleh faktor internal dan eksternal. Faktor internal meliputi kepribadian, religiusitas, pengetahuan, dan pengaruh keluarga. Faktor eksternal termasuk pekerjaan, interaksi sosial, kualitas pelayanan, dan faktor lainnya seperti kondisi ekonomi, teknologi, regulasi, dan promosi. Pemahaman terhadap faktor-faktor ini penting bagi bank syariah dalam merancang strategi pemasaran yang efektif. Strategi ini dapat meningkatkan kepuasan nasabah, menarik nasabah baru, dan memperkuat posisi bank syariah di pasar yang kompetitif. Kata kunci: Bank Syariah, Tabungan Wadiah, Faktor-Faktor Pengaruh, Startegi Pemasaran.

Abstract. Online shopping is a new technique in the world of trade in the lives of people in the modern era. Online shopping is also considered practical because online marketing utilizes the internet as a potential source of information to facilitate the life system. With global technological advancements of transactions that continues to develop, many opportunities for convenience are open for people in shopping activities. One of them is through online buying and selling known as e-commerce. This phenomenon shows that e-commerce platforms such as Tiktok, Shopee, Tokopedia, Lazada, Blibli, and Bukalapak have become the main choice for people in making shopping transactions today. This reflects the widespread adoption of the concept of online shopping as a practical and efficient alternative to meet consumer needs. This development also marks the transformation of the traditional way of shopping towards a more modern model that is integrated with technology. In carrying out this transaction, various types of contracts are used, such as the istishna contract. This istishna contract can be used for online purchases and sales can be established in a more structured manner and in accordance with sharia principles. Through this contract, buyers and sellers can carry out transactions clearly and fairly, and ensure that the goods or services ordered are suitable with the requirements and anticipations of the buyer. This research makes use of a descriptive qualitative approach involving reading theory, which includes methods of collecting and analyzing data from a variaty of sources including books, scientific notebooks, references, & additional literature partinent to the study topic. The purpose of this study is to determine the use of the isttishna contract for online purchases and sales made under the cash on delivery (COD) method with the hope of producing a through comprehension of the idea of the isttishna contract in Islamic economics and the ways in which these ideas might be used in cash on delivery (COD) transactions. Keywords: Contract istishna, cash on delivery (COD), buy and sell online   Abstrak. Penjualan online  adalah  pola perdagangan  yang telah merevolusi cara hidup masyarakat umum pada zaman sekarang. Penjualan online menjadi lebih umum karena penjualan ini menggunakan internet untuk menyediakan  pengetahuan yang  berpotensi  berguna  untuk memperlancar pola hidup. Dengan kemajuan teknologi dalam dunia transaksi yang terus berkembang, terbuka banyak peluang kemudahan bagi masyarakat dalam kegiatan berbelanja. Salah satunya adalah melalui jual beli online yang dikenal sebagai e-commerce. Fenomena ini menunjukkan bahwa platform penjulaan online contohnya Tiktok, Shopee, Tokopedia, Lazada, Blibli, serta Bukalapak telah menjadi pilihan utama masyarakat dalam melakukan transaksi belanja saat ini. Hal ini mencerminkan adopsi yang luas terhadap konsep belanja online sebagai alternatif yang praktis dan efisien dalam memenuhi kebutuhan konsumen. Perkembangan ini juga menandai transformasi cara tradisional berbelanja menuju model yang lebih modern dan terintegrasi dengan teknologi. Dalam pelaksanaan transaksi ini, digunakan berbagai jenis akad seperti akad istishna. Dengan menggunakan akad istishna, transaksi jual beli online dapat terjalin dengan lebih terstruktur dan sesuai dengan prinsip syariah. Melalui akad ini, pembeli dan penjual dapat menjalankan transaksi dengan jelas dan adil, juga memverifikasi bagian atau item tersebut yang dikirim sebanding dengan keperluan dan harapan pembeli. Penelitian ini meggunakan metode kualitatif deskriptif dimana melibatkan teori kepustakaan, yang mencakup metode pengumpulan dan analisis data melalui beragam referensi misalnya buku, jurnal akademik, referensi, serta rujukan lain yang berhubungan terkait pokok penelitian. Penelitian  ini  bertujuan agar mengetahui penerapan akad isttishna dalam sistem cash on delivery (COD) pada transaksi jual beli online dengan harapan menghasilkan pemahaman mendalam tentang konsep akad istishna dalam ekonomi syariah serta bagaimana prinsip-prinsip ini dapat diterapkan dalam transaksi cash on delivery (COD). Kata Kunci: Akad istishna, bayar ditempat, jual beli online

Unemployment is a significant economic problem that can affect society's well-being. In an Islamic economic perspective, unemployment is viewed through the lens of social justice, equitable distribution of wealth, and other sharia principles. The causes of unemployment in an Islamic economy include unfair distribution of wealth, lack of relevant education and skills, injustice in the conventional interest-based financial system, and economic and political instability. To overcome unemployment, Islamic economics offers solutions through the effective implementation of zakat, alms and waqf, the use of profit-sharing-based financial instruments such as mudharabah and musyarakah, as well as investment in education and skills training. The government also plays an important role in creating an environment that supports job creation through fair and stable policies. Encouraging entrepreneurship through training and access to capital is also an effective strategy in reducing unemployment. This holistic approach not only aims to reduce unemployment levels, but also to create a more just and prosperous society in accordance with Islamic economic principles.    

This literature review article presents an analysis of the concepts of Ariyah, Grants, Gifts, and Samsarah from a theoretical and practical perspective to understand the complexity and legal framework governing these transactions in an Islamic context. The data is analyzed in depth to identify key elements and relationships between concepts. Ariyah (borrowing) is the loan of goods without remuneration, Hibah (grant) is the voluntary gift of a living person to another, Hadiah (gift) without expectation of reward, and Samsarah (brokerage) is connecting between parties involved in a transaction (such as buyers and sellers) in which the intermediary is given a certain commission. Despite having fundamental differences in definition and application, these four concepts play an important role in society. From a theoretical perspective, each concept has a legal basis and principles governing it. In practical terms, the application of Ariyah, Grants, Gifts, and Samsarah is seen in various aspects of daily life, from trade transactions to social relations. Understanding these concepts helps individuals and organizations manage relationships and transactions more effectively according to the principles of sharia law.

Sharia insurance as a financial institution is required to prepare financial reports in accordance with PSAK 108. The use of accounting by a company is very important in the current situation, especially sharia insurance which seeks to increase client trust. However, rapid expansion without other supporting factors, including employees who are experts in sharia, has resulted in a lack of sharia-related knowledge among customers. This research uses the literature study method to conduct qualitative descriptive research. The aim is to better understand how Indonesian sharia insurance implements a sharia accounting system to ensure sharia insurance business activities comply with sharia principles and fulfill the public's desire for compliant financial solutions. The findings show that the implementation of this sharia accounting system ensures that sharia insurance business activities comply with sharia principles and fulfill the public's desire for financially sound financial solutions

This study focused on assessing the conformity of sharia to kafalah contracts in Hasanah Card products. The main findings show that the implementation of kafalah contracts on Hasanah Cards still does not fully meet the required Sharia criteria. The majority of scholars are of the view that the agreement related to ujrah for kafalah services falls into the category of riba qardh, so it is forbidden. Therefore, it is important to keep the kafalah in its purity context as a form of aid and almsgiving without any element of imbalance or compensation that is not under the principles of Shariah. This research is expected to make a significant contribution to the development of Islamic financial products that are more in line with Islamic teachings. By highlighting shortcomings in the implementation of the kafalah contract in the Hasanah Card product, it is hoped that it will encourage better improvement and innovation efforts to ensure Sharia compliance in Islamic finance practices. In addition, this research is also expected to increase public awareness of the importance of applying sharia principles in every aspect of finance, to create a more transparent, fair, and under Islamic values.

Monetary policy in Islamic economics is an important aspect in maintaining economic stability and promoting the welfare of the people. In the Islamic economic paradigm, monetary policy aims to create a balance between sustainable economic growth and fair distribution of wealth. Principles such as fairness, sustainability and fairness are the basis for formulating monetary policy. First, monetary policy must ensure that the creation of new money is carried out responsibly, avoiding inflation that is detrimental to society. In addition, the Islamic monetary system encourages the use of financial instruments based on sharia principles, such as mudharabah and musyarakah, which encourage healthy economic participation. Second, monetary policy must pay attention to aspects of wealth redistribution to reduce economic inequality. This can be achieved through collecting zakat, infaq and sadaqah as well as channeling funds to sectors in need, such as education, health and poverty alleviation. By implementing monetary policy in accordance with Islamic economic principles, it is hoped that an economy that is inclusive, sustainable and fair can be realized for all members of society.

This research analyzes Islamic monetary policy and state revenues in the context of economic growth, especially in Indonesia. Monetary policy is the government's effort to improve economic conditions by regulating the amount of money in circulation. In the context of an economic crisis, monetary policy becomes important to balance the real sector and overcome the problem of currency value and the role of money as a commodity that sells interest or usury. This research reveals that monetary policy has input in the form of monetary policy instruments that influence the amount of money in circulation, while the output includes price stability and economic output. Islamic monetary policy is emphasized as a policy that must be free from usury and interest, following the principle of profit sharing in money management. Apart from that, this research also reviews monetary policy during the time of Rasulullah SAW, where monetary management was based on the principle of baitul mal and the allocation of funds for the spread of Islam, education, infrastructure development and social welfare. an Islamic economic perspective, monetary policy must pay attention to economic welfare with full employment opportunities, socio-economic justice, income distribution, and stability of the value of money. This refers to the principles of maqasid sharia in creating balance and prosperity for society. Monetary policy in Indonesia, led by Bank Indonesia, uses various instruments such as reference interest rates, open market operations, provision of liquidity, regulation of storage facilities, and reserve requirements. mandatory to achieve price stability, economic growth and financial system stability. This research provides in-depth insight into the importance of Islamic monetary policy in achieving macroeconomic goals and its impact on economic growth in Indonesia.

Trade is an activity that is inherent in human life and in Islam trade has an important role in advancing the economy and facilitating the exchange of goods and services in accordance with Islamic knowledge, Sharia Law, Globalization and technological developments. Apart from that, changes in regulations are one of the challenges facing Islamic trade in the modern era. However, there are also important opportunities, such as e-commerce, Islamic finance, and halal products, that enable Muslim traders to innovate and compete in global markets. In an era of ever-changing global trade, Muslim traders around the world must continually monitor changes in consumer demand, regulations and technology. With a good understanding of the markets and a commitment to Islamic principles, traders can take advantage of Islamic trading opportunities in this modern era. Halal trade is a clear example of how adaptation to these changes can bring success in the context of Islamic trade.

Abstract. The digital era has brought significant changes across various sectors of life, including the economy. The continuously evolving digital technology presents new opportunities and challenges, particularly in the implementation of Islamic economics in Indonesia. This article aims to analyze the innovations and implementation of Islamic economics in facing the developments of the digital era. The theoretical review covers the principles of Islamic economics, technology in the digital era, and the role of digital technology in the context of Islamic economics. This research employs a literature review method to understand various innovations and implementations in Islamic economics. The study results show that Islamic fintech, blockchain, Islamic crowdfunding, and collaboration with E-Commerce marketplaces have had a positive impact by enhancing access, transparency, and efficiency in financial transactions. By leveraging technological innovations, Islamic economics can contribute to creating an inclusive and sustainable economic system, benefiting individuals and society as a whole. Keywords: Digital Era, sharia economics, Technological Innovation   Abstrak. Era digital telah membawa perubahan signifikan di berbagai sektor kehidupan, termasuk ekonomi. Teknologi digital yang terus berkembang memberikan peluang dan tantangan baru, khususnya dalam implementasi ekonomi syariah di Indonesia. Artikel ini bertujuan untuk menganalisis inovasi dan implementasi ekonomi syariah dalam menghadapi perkembangan era digital. Kajian teori mencakup prinsip-prinsip ekonomi syariah, teknologi di era digital, dan peran teknologi digital dalam konteks ekonomi syariah. Penelitian ini menggunakan metode kajian literatur untuk memahami berbagai inovasi dan implementasi dalam ekonomi syariah. Hasil studi menunjukkan bahwa fintech syariah, blockchain, crowdfunding syariah, dan kolaborasi dengan E-Commerce marketplace telah membawa dampak positif dengan meningkatkan akses, transparansi, dan efisiensi transaksi keuangan. Dengan memanfaatkan inovasi teknologi, ekonomi syariah dapat berkontribusi dalam menciptakan sistem ekonomi yang inklusif dan berkelanjutan, menguntungkan individu dan masyarakat secara keseluruhan. Kata kunci: Era Digital, Ekonomi Syariah, Inovasi Teknologi

In its development, the MSME sector is often faced with various problems caused by external factors. External constraints relate to access to sources of financing and a business climate that is less conducive to the development of small businesses, because so far it seems that various policies are more in favor of the large business sector, so that the various facilities provided by the government are mostly enjoyed by the large business sector. This research method used is a descriptive method with a quantitative approach. The sampling technique in this research used probability sampling with a simple random sampling method, the total sample was 97 MSME actors. Partially (T test) shows that the External Environment has a positive and significant influence on MSME Performance, Strategic Planning does not significantly influence MSME Performance, simultaneously (F test) it appears that the External Environment and Strategic Planning have a positive and significant influence on MSME Performance, and in an Islamic business perspective, External Environment and Strategic Planning consider ethical values ​​and sharia principles

This research aims to provide a deeper understanding of the basic differences between bonds and sukuk, as well as the implications for Muslim investors in choosing investment instruments that comply with sharia financial principles. The money method used is descriptive-analytical with a qualitative approach to compare bonds and sukuk from a sharia financial perspective. Data was obtained through literature studies from journal literature and official documents related to these two financial instruments. The results of this research are first, although sukuk and bonds are almost similar, if examined more deeply, the two have contradictory characteristics. The main difference is in the use of sharia principles in sukuk while bonds do not. Second, conventional bonds do not require collateral assets, while sukuk must have collateral assets. Third, sukuk is not a debt and receivable instrument that charges interest (riba) like bond transactions, but just like sukuk bonds are part of an investment instrument. Fourth, in terms of offering price, maturity, bond principal at maturity, and rating between sukuk and bonds there is no difference.

The development of Islamic banks is considered to have a positive impact on improving the economy of the community, which creates the impression that the revival of the Islamic economy is part of the revival of the Muslim economy. This is marked by the enthusiasm of the community in welcoming the presence of Islamic banks. This study uses a normative juridical method that focuses on the analysis of the application of positive legal norms or legal rules that apply in Indonesia, as well as the approach taken through relevant laws and regulations, with a conceptual approach. The implementation of Islamic banking law in the Indonesian banking system is regulated through the Banking Law, which shows the existence of Islamic banking in Indonesia. However, in reality, the application of sharia principles in the banking sector is still mixed with conventional banking, so that Islamic banks are often considered only as a title, because they have not been able to operate independently and fully implement the sharia principles that they should.

The rapid advancements in Artificial Intelligence (AI) have raised significant ethical concerns across various sectors, necessitating the need for robust ethical frameworks to guide their development and implementation. This study explores the intersection of AI ethics and Islamic law, focusing on how Maqāṣid al-Sharīʿah, the higher objectives of Islamic law, can be applied to AI governance. By examining key Islamic principles such as justice, transparency, privacy, and human dignity, the study investigates how these values can provide a moral compass for addressing AI-related ethical challenges, such as algorithmic bias, privacy violations, and the erosion of human autonomy. The Maqāṣid al-Sharīʿah framework offers a proactive and vision-oriented approach, prioritizing societal well-being while ensuring the alignment of AI technologies with Islamic moral standards. Unlike traditional Islamic legal responses, which are often reactive and case-specific, the Maqāṣid approach promotes the anticipatory evaluation of technologies, emphasizing the need for a balance between technological innovation and ethical responsibility. The paper also discusses potential solutions to bridge the gaps between global AI ethics frameworks and Islamic ethical standards, including interdisciplinary collaboration and the development of hybrid regulatory models. Additionally, it highlights the need for continuous updates to Islamic legal frameworks to address emerging technological issues, ensuring that AI systems are ethically sound, Shariah-compliant, and beneficial to society. This study aims to contribute to the growing discourse on the ethical implications of AI from an Islamic perspective, offering insights into how Islamic law can play a crucial role in shaping the future of AI governance.

This study aims to analyze the implementation of strategic management and risk management at Bank Mandiri Syariah (BMS) and its impact on the bank's performance and stability. This research adopts a qualitative approach by utilizing data from previous studies related to the research topic. The findings of this study indicate that BMS has implemented strong risk management practices, including risk identification, measurement, monitoring, and control. Additionally, strategic management plays a role in determining the direction of the bank and ensuring compliance with Sharia principles. The study concludes that the integration of strategic management and risk management is crucial for BMS to maintain its competitiveness and sustain growth in the dynamic Islamic banking industry.