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Aldi Wijaksono; Ayuni Ayuni; Syarifah Aini

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study delves into the philosophical and theological core of the concept of ownership in Islamic economics, a paradigm fundamentally distinct from capitalism and socialism. We uncover the essence of ownership as a divine trust, categorized into individual, public, and state domains. Our findings demonstrate how each type of ownership is governed by clear boundaries and rights, tightly integrated with social responsibility to achieve universal well-being and distributive justice. This study also examines the dynamic harmonization between private and public ownership, achieved through vital instruments like zakat, infaq, sadaqah, and productive waqf, as well as the crucial role of government in providing public goods. Despite facing significant challenges such as the dominance of the global capitalist economy and low sharia literacy, we highlight digitalization as a strategic opportunity to boost the efficiency, transparency, and inclusion of sharia finance. This opportunity holds substantial potential to strengthen the harmonization of ownership within the broader Islamic economic ecosystem. In short, a deep understanding of this Islamic concept of ownership is key to formulating more just and balanced economic policies and community development in today's rapidly evolving modern era.

Agista Hermalia Puteri; Nabila Syarifah; Azura Septin Arlina

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The digitalization of the sharia economy in Indonesia presents a great opportunity to expand financial inclusion, accelerate the transaction process, and improve the efficiency of the economic system based on Islamic values. This study aims to examine the dynamics of opportunities and challenges for the digitalization of the sharia economy amidst the development of the digital economy. Using a qualitative descriptive approach and thematic analysis techniques, this study reveals that innovations such as sharia fintech, halal e-commerce, and sharia digital banking have significantly driven the progress of the sharia economy. However, challenges such as low digital literacy, infrastructure inequality, and weak sharia-specific regulations are still major obstacles. The results of this study emphasize the importance of increasing sharia digital literacy, synergy between stakeholders, strengthening regulations, and developing competent human resources to ensure that the digitalization of the sharia economy remains in line with the principles of maqashid sharia and can develop inclusively and sustainably in Indonesia.

Dinda Maysaroh; Syarifah Hannum Pohan

Jurnal Ekonomi dan Keuangan Islam 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Sharia economy has emerged as one of the fields that offers significant opportunities to support economic growth at the national level. In this structure, Micro, Small, and Medium Enterprises (MSMEs) have a key role as the driving force of the community's economy. This article describes various tactics that can be applied by MSMEs to compete and develop in the context of the sharia economy. These tactics include increasing understanding of sharia finance, developing human resource capacity, product innovation in accordance with sharia principles, and utilizing digital technology to expand market reach. In addition, assistance from sharia financial institutions, the government, and the community are also crucial elements in creating an inclusive ecosystem. Through the application of these approaches, MSMEs are expected to be able to increase their competitiveness while supporting the principles of a fair and sustainable sharia economy. The research method applied to answer the problems studied is a descriptive method with a qualitative approach, which is based on the problems of this research, aiming to collect data and information related to MSME Tactics to Increase Competitiveness in the Sharia Economic Ecosystem. Meanwhile, to answer theoretical issues, a literature study is used with the hope that the analysis of several variables will make the research factors more accurate.

Rusmiati Rusmiati; Rindiani Rindiani; Dewi Mitasari; Chika Dewi Santika

Riset Ilmu Manajemen Bisnis dan Akuntansi 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This article examines various factors that determine the success and competitiveness of cooperatives in Indonesia from the perspective of economic management education. The analysis draws upon recent empirical studies, theoretical reviews, and case-based comparisons published in the past five years. Findings reveal that institutional governance, member participation, digital innovation, cooperative education, and capital structure are key determinants of cooperative performance. Educational efforts in management, especially in vocational and community-based settings, significantly influence the sustainability and competitiveness of cooperatives in the modern economy.

Selvia Enjelita; Vika Agustiyani; Yolanda Aprylia; Yuyun Kartika Sari; Hotman Hotman

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2025 Pusat Riset dan Inovasi Nasional

This study explores the role and relevance of Islamic political economy within the context of Indonesia's economic system, particularly in addressing wealth distribution inequality and the fulfillment of basic societal needs. The study employs a qualitative approach with descriptive-analytical methods to examine the relationship between Islamic economic principles such as justice, balance, and social responsibility and national economic policies. The findings reveal a philosophical alignment between Islamic economic values and Indonesia’s foundational principles, especially Article 33 of the 1945 Constitution. However, the implementation of these principles remains limited, often confined to microeconomic aspects like Islamic financial institutions. Islamic political parties play a significant role in advocating for sharia-compliant economic policies but face challenges in reconciling Islamic values with a pluralistic democratic system. The study highlights the need for broader public education, strong political commitment, and digital innovation to fully realize the potential of Islamic economics in building a just, inclusive, and sustainable national economy.

Dahniyar Daud; Nuramal Nuramal; Rezki Arianty Akob; Andi Agus; Sitti Mispa +2 more

Jurnal Pengabdian dan Keberlanjutan Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

This community service activity aims to improve culinary skills and micro-business management for the people of Sanrobone Village, Takalar Regency as an effort to increase family income and economic independence. The method of implementing the activity includes identifying needs, local ingredient-based culinary training, food sanitation workshops, micro-business management training, digital marketing, business plan preparation, and evaluation of results. The results of the activity showed a significant increase in processed food production skills, understanding of the importance of sanitation and food safety, and the ability to manage small-scale businesses. Participants were also able to utilize social media for product promotion and began designing home businesses independently or in groups. The formation of two joint business groups (KUB) is an indication that this training has fostered entrepreneurial initiatives among the village community. This activity is expected to contribute to strengthening the local economy in a sustainable manner and can be replicated in other villages with similar characteristics.

Izzatul Mula; Auliya Ristiani; Diana Novitasari; Rifa Felina; Ningrum Puji Lestari

JUREKSI (Journal of Islamic Economics and Finance) 2025 STIKes Ibnu Sina Ajibarang

The furniture industry in Bukir Village, Pasuruan City, is one of the leading small and medium-sized industries (SMIs) that contributes significantly to local economic growth and employment. This study aims to analyze the potential of the furniture industry based on the empowerment of local workers, identify its contribution to the regional economy, and evaluate the level of employment in this sector. The research method employs a qualitative approach with data collection techniques through literature review and structured interviews. The results show that the furniture industry in Bukir Village has grown rapidly since 1980 with the support of the East Java Provincial Technical Implementation Unit (UPT) for Wood. Currently, there are 40 active businesses that can absorb 800-1,200 local workers, equivalent to 85% of the total workforce in the village. This industry uses a made-to-order production system with teak and sonokeling wood as raw materials and has expanded into the export market to Malaysia and other Southeast Asian countries. This study recommends strengthening marketing digitalization, improving human resource skills, and intensifying government support to enhance the competitiveness of the Bukir furniture industry. 

Rizky Puspita Cahyaning Putri; Mulyani Santoso

Jurnal Akta Notaris 2025 Program Studi Kenotariatan Program Magister

Aktivitas bisnis transaksi kontrak merupakan salah satu penunjang Aktivitas bisnis transaksi kontrak merupakan salah satu penunjang perkembangan ekonomi. Tidaklah mengherankan kontrak yang melibatkan pihak asing dibuat di Indonesia namun ditulis menggunakan bahasa asing atau bahasa Inggris. Dengan perkembangan sebuah teknologi ini harus diiringi dengan berkembangnya peraturan-peraturan yang akan berlaku di masyarakat. Pemerintah perlu mendukung perkembangan teknologi informasi melalui infrastruktur hukum dan pengaturannya, sehingga pemanfaatan teknologi informasi dilakukan secara aman dan mencegah penyalahgunaannya dengan memperhatikan nilai-nilai yang terkandung di Indonesia. Yang kemudian muncul rumusan masalahnya yaitu; 1) Bagaimana bentuk Akta-akta Perjanjian dapat dibuat secara Billingual di Indonesia oleh dua warga negara? 2) Mengapa digital signature dapat digunakan dalam Pembuatan Akta-akta Perjanjian? 3) Bagaimana kekuatan hukum Akta-akta Perjanjian yang dibuat secara Bilingual oleh dua warga negara dengan menggunakan digital signature? Dalam menemukan jawaban atas rumusan masalahnya itu peneliti menggunakan metode pengumpulan data studi kepustakaan (library research) dan riset lapangan (field research). Hasil Penelitiannya yaitu bahwa Akta perjanjian yang dibuat dalam 2 bahasa apabila diterapkan pada Akta Perjanjian di bawah tangan dan akta Notaris kekuatan hukumnya sama dengan akta yang dibuat dalam 1 bahasa, yaitu sah dan mengikat. Dan Akta Perjanjian yang ditanda tangani secara elektronik antara Akta Perjanjian di bawah tangan dan akta Notaris memiliki kekuatan hukum yang berbeda. Kekuatan hukum Akta Perjanjian di bawah tangan yang ditanda tangani secara elektronik adalah sah dan mengikat. Sedangkan Akta Perjanjian yang disebut dengan Akta Otentik, jika ditanda tangani secara elektronik, maka akta Notaris terdegrasi menjadi akta yang dibuat di bawah tangan.

Noor Alif Roihatul Jannah; Nia Mintarsih

Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study observes how influencers sell sharia products through live selling on the TikTok platform and analyzes it from the perspective of muamalah fiqh and how it impacts the Islamic economy. This study shows that sharia-based direct selling can increase market access, expand the reach of sharia MSMEs, and encourage the development of a sharia-based digital economy. This can be seen from the transaction process and the sharia principles that must be adhered to. This study also emphasizes the importance of openness, honesty, and acceptance of contracts to ensure that the transactions carried out are halal and valid according to fiqh. Using a qualitative descriptive analysis methodology supported by literature and direct observation data, it was revealed that direct buying and selling practices can teach people the concept of Islamic economics and encourage ethical or sharia-compliant buying and selling behavior. However, violations of sharia principles such as marketing of illicit goods and fraudulent practices require ongoing supervision and training. This study shows that sharia live selling on TikTok can be an effective way to empower the people's economy and develop a sharia-based and ethical digital economic ecosystem.

Ira Yulistin; Nayla Kamilatul Mukaromah; Rahmawati Rahmawati

Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The development of digital technology has revolutionized consumption patterns among consumers, including Muslim consumers. Digitalization has not only brought convenience and efficiency, but also created new challenges in the application of Islamic consumption values. Consumption, which is viewed as part of worship in Islamic economics, requires adherence to the principles of halal, thayyib, justice, prohibition of israf and gharar, and social responsibility. This study aims to conceptually examine how consumers play a role in strengthening the Islamic economy in the digital age, as well as how Sharia consumption principles can be ethically implemented in a dynamic digital environment. The method used is a literature review, examining various academic literature, scientific journals, and documents related to Islamic economics and the digitalization of consumption. The findings indicate that Muslim consumers hold a strategic position in shaping value-based markets, driving the growth of the halal sector, and supporting the sharia-compliant SME ecosystem. On the other hand, low sharia-based digital literacy and the dominance of digital consumerist culture pose challenges that must be anticipated. Strengthening literacy, adaptive regulations, and collective awareness transformation are needed to create a digital consumption pattern that is blessed, fair, and sustainable in accordance with the objectives of Islamic law.

Dimas Abdul Aziz; Ahmad Rifki Andika Muhdiyanto; M Wildan Al Hakim; Farid Rizky Akbar; Syahru Ramadhan A.G +1 more

Jurnal Pengabdian Sosial dan Kemanusiaan 2025 Lembaga Pengembangan Kinerja Dosen

The purpose of this study was to determine and explain the role of salted egg businesses in helping to improve the economy of the community in Kandangan District. Micro and small businesses such as salted egg production have great potential in contributing to household income and local labor absorption. This study uses a case study method with a qualitative approach. Data were collected through field observations, in-depth interviews with salted egg business actors, and documentation of business activities. The results of the study show that salted egg businesses in Kandangan District are not only the main source of income for some people, but also create jobs, encourage economic independence, and increase the purchasing power of local people. In addition, business actors also show creativity in packaging and marketing products, both conventionally and digitally. This study concludes that salted egg businesses can be one of the driving forces of a sustainable local economy if supported by adequate training, market access, and capital.

Riska Khayuni; Yurti Walida

Jurnal Ekonomi dan Pembangunan Indonesia 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Islamic economics emerged as an alternative system based on Islamic principles to overcome inequality and social injustice in the conventional economic system. This article aims to examine the role of Islamic economics in achieving social justice through four main pillars: digitization of Islamic finance, empowerment of Sharia-based MSMEs, strengthening Islamic microfinance institutions, and optimizing ZISWAF (zakat, infaq, sadaqah, and waqf). This study uses a qualitative method with a literature review approach using national and international journals published since 2021. The results of the study show that Islamic economics has great potential in building a fair, inclusive, and sustainable economic system if supported by technological innovation, integrative policies, and improving public literacy. This research emphasizes the need for synergy between the government, Islamic financial institutions, business actors, and the community to strengthen the role of the Islamic economy in national development. In addition, it is necessary to strengthen regulations and cross-sector collaboration so that the implementation of the Islamic economy can run optimally in various lines of life. With sustained support, Islamic economics is believed to be able to be a solution to complex modern economic challenges.

Halla Tiaranissa; Nailatul Fitriah

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study explains how Maqashid Sharia is applied in regulatory and Islamic economic policies in Indonesia through the implementation of five fundamental principles: protection of religion (hifz al-din), life (hifz al-nafs), intellect (hifz al-‘aql), lineage (hifz al-nasl), and wealth (hifz al-mal). This concept is proposed as a normative foundation for formulating and implementing public policies that are just, sustainable, and focused on welfare. The article discusses the application of Maqashid in Islamic finance, banking, internet regulation, consumer protection, and the role of ZISWAF institutions. The author also identifies challenges in implementation, such as limited human capacity in understanding Maqashid, regulatory conflicts, and fragmented policy interventions. The recommendations highlight the importance of promoting Maqashid literacy, regulatory reform, and institutional synergy as strategies to build an Islamic economy rooted in spiritual ethics and social justice.

Fatimah Hafni Simanjuntak; Nadra Syahira Putri

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

MSMEs play a vital role in national economic growth through job creation and poverty reduction. This literature study analyzes the contributions and challenges of MSMEs in the digital era. The results show that MSMEs make a significant contribution to GDP and community welfare, but face obstacles such as limited access to financing, low digital literacy, and technological and managerial limitations. Collaboration between the government, the private sector, and the community is needed to strengthen human resources, expand access to funding, and encourage the adoption of digital technology so that MSMEs can compete in the digital economy.

Muklis, Moh; Rosadi, Muhammad Iqbal; Rohman, Abdur

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2025 FEB Universitas Maritim Semarang

This study aims to analyze the digital marketing strategies implemented by clothing stores in the Telang area from a sharia economic perspective. In the digital era, business actors are required to adapt to technology, including in terms of promotion and marketing. The approach used in this study is descriptive qualitative, with data collection through observation, interviews, and documentation. The results of the study show that most business actors have utilized social media such as WhatsApp, Instagram, and Facebook Marketplace to market their products. The strategies implemented are mostly in line with the principles of sharia economics such as honesty (ṣidq), openness (tabligh), and amanah. However, some practices that are not in accordance with sharia are still found, such as the use of photos that do not match the original product (gharar) and excessive promotion (tadlis). The main inhibiting factors in the implementation of sharia digital strategies are limited digital literacy and infrastructure. Therefore, ongoing assistance and training in sharia-based digital marketing are needed to improve understanding and business practices in accordance with Islamic values.

Dea Ananda

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

The development of the sharia economy in Indonesia has experienced rapid progress in recent decades, one of which is influenced by the active role of sharia financial institutions, especially sharia banks. Bank Aladin Syariah, which was born with a digital concept, is committed to providing sharia-based financial solutions that are easily accessible and efficient. This study aims to analyze the contribution of Bank Aladin Syariah to the development of the sharia economy in Indonesia through a literature review approach. The results of the study show that Bank Aladin Syariah not only provides innovative products in digital banking, but also plays a role in increasing financial inclusion, sharia financial literacy, and empowering MSMEs in Indonesia. However, challenges such as competition with large sharia banks and the low public understanding of sharia banking are still major issues that need attention.

Ardy Rustu Irawan; Farhan Hasinul Amri; Febriyanto Hermawan; Lukman Hakim Alfaridzi

Lembaga Pengembangan Kinerja Dosen 2025 Lembaga Pengembangan Kinerja Dosen

The phenomenon of online ojek as part of the platform-based economy has grown rapidly, especially in Indonesia. This job is in high demand by youth as an alternative job that offers flexibility. However, behind the benefits offered, this profession also carries economic, social, and political risks. This article aims to examine the identity formation of youth working as online ojek drivers in the context of political-economic risks that arise in digital platforms, using Ulrich Beck's Risk Society Theory. In the risk society, uncertainty and dependence on systems controlled by digital platforms are the main factors that shape the social identity of the drivers. This research finds that the identity of online ojek youth is formed through interactions with digital platforms that prioritize efficiency and profitability, as well as with the risks they face every day in working under systemic uncertainty.

Yuniar Affandy; Salmi Yuniar Bahri; Masbullah Masbullah; Asria Romdiana; Mutiara Hafsah

Jurnal Inovasi Sosial dan Pengabdian 2025 Lembaga Pengembangan Kinerja Dosen

One form of enterprise that represents the potential of villages and receives government support is Micro, Small, and Medium Enterprises (MSMEs). However, limitations in marketing have led to the underrepresentation of local products. This highlights the importance of community service programs. The aim of this program is to enhance the marketing of UMKM products through the utilization of the Shopee marketplace and WhatsApp Business social media. The community service methods used include socialization, training, and direct assistance to UMKM actors in the target area. Shopee is utilized as an online marketplace, while WhatsApp Business serves as a medium for product advertising. This activity aims to provide understanding of the importance of digital marketing, as well as practical skills in creating and managing accounts on Shopee and WhatsApp Business. The results of this program indicate an increase in participants' understanding and ability to use both platforms. The conclusion of this research states that the effective utilization of Shopee and WhatsApp Business can assist UMKM actors in enhancing their marketing and sales, which in turn can drive local economic growth.

Mhd Mashuri Hamdani Lubis; Farhan Rizki Noor Harun; Reni Ria Armayani Hasibuan

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This article discusses the profit-sharing system as one of the main pillars in Islamic economics, focusing on its ideal concept, implementation, challenges, and development opportunities in Islamic financial institutions in Indonesia. This system is based on the principles of justice, partnership, and shared responsibility through mudharabah and musyarakah contracts. Although normatively acknowledged and regulated by Islamic finance fatwas and regulations, its practical application still faces various obstacles such as low Islamic financial literacy, weak supervision, and the dominance of fixed-margin-based products. Nevertheless, digital technology development, the potential of the MSME sector, and the strengthening of Islamic financial regulations and education provide significant opportunities to promote transformation toward a more inclusive and just financial system. Therefore, synergy among financial institutions, regulators, and society is required to optimally realize the implementation of the profit-sharing system in Islamic economic practices.

Lafreda Nanda Wibowo; Talitha Al-Fadillah; Irene Anjani Hariyono; Daffa Abyan Pradana; Ade Nur Rohim

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Waqf holds a crucial position in promoting social welfare and fostering the growth of a Sharia-based economy. In Indonesia, the success of waqf initiatives largely relies on sound governance and the operational effectiveness of waqf institutions. This study explores the roles of the Indonesian Waqf Board (BWI) as the regulatory authority and nazhir as the managers of waqf assets, while also highlighting key challenges such as technological limitations, lack of transparency, and weak supervision mechanisms. To overcome these obstacles, strategies including nazhir capacity building, digitalization of waqf management, and the application of the Waqf Core Principles Implementation Index (IIWCP) have been introduced. The findings suggest that adopting professional and innovative governance practices significantly enhances transparency, accountability, and the overall impact of waqf on social welfare and sustainable economic development.