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Muhammad Azizi Akbar Lubis; Isnaini Harahap; Windu Anggara

Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The purpose of this study is to find out the utilization of natural resources managed by residents based on Islamic economics as sustainable development. This study uses a qualitative research approach. This type of research is Field research. This research was conducted at the Karo Indah Natural Bath located in Namu Ukur Sel., Sei Bingai District, Lalat Regency, North Sumatra. In this study, the primary data used was sourced from interviews, namely with the tourism manager of the Karo Indah Natural Bath and interviews with traders and the community around 2 people. The data collection technique in this study is through interviews and direct observation. The data analysis technique in this study is data reduction where the researcher will describe how to optimize the population in utilizing natural resources in improving sustainable development (SDGs) in Namu Ukur Langkat village from an Islamic economic perspective. The results of the study show that the Karo Indah Nature Bath tourist attraction in the perspective of Islamic economics is in line because there is a sale and purchase contract that is allowed in Islam and the norms that exist in society and do not contradict the law related to Islamic economics. Where this is seen from the business with an increase in halal income is carried out in a good way and for a good purpose as well. Then, the residents of Namu Ukur village also use natural resources well and not excessively, in the sense that residents always maintain the cleanliness and beauty of the natural resources used. In this case, the community's economy has also increased due to the existence of long business opportunities by utilizing these natural resources.

Nunung Sinta Nuriyah; Aunur Rahmah Faqiyah Muchtar

Jurnal Publikasi Ekonomi dan Akuntansi 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The background of this research is that the transformation of the global economy has encouraged innovation in various sectors, including the Islamic economic sector in recent decades. The emergence of digital financial technology (FinTech) has provided new opportunities for the Islamic economy to encourage inclusive and sustainable growth. This research uses a literature study research method by reviewing and analyzing several journals that are closely related to the topic of discussion. This literature study approach involves collecting, evaluating, and analyzing various relevant literature sources to understand the interrelationship between the Islamic economy, digital fintech innovation, and sustainability principles. The result of this study is that the role of technology in supporting halal transactions includes technology can be an effective tool to increase awareness and understanding of Islamic financial principles, technology can be used as a campaign site to spread information about Islamic economics through interesting and easy-to-understand content, technology can create websites that focus on Islamic economics, and financial transactions can become easier and more efficient. Islamic fintech utilizes technological advances to offer transparent, efficient, and secure financial services to the unbanked. In addition, Islamic fintech supports sustainability by following sharia principles that prohibit riba (interest), gharar (uncertainty), and encourage fair and transparent financing.

Dini Selasi; Siska Nurpitasari; Meli Saputri

Jurnal Ekonomi dan Keuangan Islam 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study focuses on analyzing the impact of Islamic financial literacy on the interest in investing in the Shariamarket. Islamic financial literacy involves a deep understanding of financial principles that comply with Islamic law, including zakat, riba, and the principle of justice in financial transactions. The growing awareness of halal and Sharia-compliant investments suggests that Islamic financial literacy can be a decisive factor in investment decisions. This study uses a quantitative method by distributing questionnaires to 200 respondents, comprising prospective investors and active investors in the Sharia capital market. The results of the study indicate that higher levels of Islamic financial literacy positively correlate with greater interest in investing in Sharia capital market instruments such as sukuk and Sharia mutual funds. These findings highlight the need for more intensive Islamic financial education programs to improve public literacy and support the development of the Sharia capital market in Indonesia. Supporting policies and innovations in Sharia investment products are also identified as crucial factors in encouraging investment interest. Thus, this study concludes that enhancing Islamic financial literacy can play a significant role in advancing the Sharia capital market and supporting a more inclusive Islamic economy. This research demonstrates that Islamic financial literacy significantly influences investment interest in the Sharia capital market. Investors with a solid understanding of Islamic financial principles such as riba (usury), zakat (almsgiving), and profit-sharing are more likely to opt for Sharia-compliant investment products like sukuk (Islamic bonds) and Sharia mutual funds. The study underscores the importance of comprehensive financial education programs and the availability of accessible information to enhance Islamic financial literacy among the public. These efforts are expected to increase participation in the Sharia capital market and support more inclusive and sustainable economic growth in Indonesia.

Refi Herdian fauzi A; Akbar Pratama Aditya B; Rido maulana C

Jurnal Bisnis, Ekonomi Syariah, dan Pajak 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Zakat is one of the pillars of Islam. Therefore, zakat is an obligation for Muslims. And in the Islamic economic system, zakat is an important factor in improving people's welfare in the economic field. However, the idea arises that the economic system in Muslim society, in this case zakat, is considered incompatible with modern life because it can slow down the pace of the economy. The research method used is library research which is based on qualitative descriptive data. So a comprehensive explanation is needed regarding zakat in the Islamic economic system which has an important role in improving the Islamic economy in society.

Alfian Widiyanto; Saefudin Zuhri

Jurnal Ekonomi dan Keuangan Islam 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The rapid development of technology has significantly influenced various economic sectors, including finance. Digitalization has introduced opportunities to create more efficient, transparent, and inclusive financial services. Within Islamic finance, technological advancements address challenges such as limited access to Sharia-compliant financial services and complexities in applying Sharia principles practically. One notable innovation is Sharia-based financial technology (fintech), which combines Islamic values with modern technology to provide accessible, ethical, and sustainable financial solutions. This study explores the potential and challenges of Sharia fintech in Indonesia, a country with the largest Muslim population globally. Sharia fintech, including crowdfunding, peer-to-peer lending, and halal digital payment platforms, promotes financial inclusion while adhering to Islamic principles. However, its growth faces regulatory hurdles, consumer protection issues, and a lack of public literacy about Sharia-compliant financial products. The research highlights the role of the government and regulatory bodies such as the Financial Services Authority (OJK) in providing a supportive framework, including legal certainty, technological infrastructure, and public education initiatives. The findings emphasize that effective regulations and strategic government support are critical to fostering Sharia fintech as a pillar of the Islamic economy. With strengthened collaboration between stakeholders, Sharia fintech can contribute significantly to financial inclusion and sustainable economic development in Indonesia.

Wulan Ariby; Naila Deswita; Isma Awaliyah; Ahmad Wahyudi Zein

Jurnal Ekonomi dan Keuangan Islam 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Islamic economics in Indonesia has significant potential to build a just and sustainable economic system. This research aims to examine the development of Islamic economics in Indonesia, with a focus on the challenges and opportunities faced. Using literature analysis methods, this research explores the progress of the Islamic finance sector, the influence of the thoughts of figures such as Monzer Kahf and M. Umer Chapra, as well as the application of the main principles of Islamic economics. The results of the study show that although the Islamic economic sector has developed rapidly since the founding of Bank Muamalat in 1992, there are still a number of obstacles, such as low public understanding of sharia finance, regulations that are not yet optimal, and a lack of experts in this field. However, great opportunities are seen in the development of the halal industrial sector, integration of sharia- based financial technology, and government policy support. The main principles of Islamic economics, such as the oneness of God (tauhid), social justice, and the prohibition of usury, are important guidelines in facing modern economic challenges. The thoughts of figures such as Kahf and Chapra strengthen Islamic economic practices, especially in sharia financial management and fair distribution of wealth. With policy reform, improved education, and innovation in sharia financial products, the Islamic economy in Indonesia can develop into one of the main pillars of inclusive economic development and support the achievement of sustainable development goals (SDGs).

Eka Yuni Hartati; Mulya Jayanti Putri; Mardhiyah Hayati

Jurnal Ekonomi dan Keuangan Islam 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Integration between Islamic economy and green economy in the context of sustainable development. In this modern era, environmental challenges are increasingly pressing, and a holistic approach is needed to overcome these problems. The concept of maqashid sharia, which includes the protection of religion, life, reason, property and descendants, provides a comprehensive framework for integrating social, economic and environmental aspects in development. Education and environmental awareness based on Islamic values ​​are one of the important pillars in creating a society that cares about the environment. Several mosques in Indonesia have implemented environmentally friendly principles by optimizing the use of renewable energy and managing waste effectively. This shows that religious institutions can play an active role in supporting the green economy. However, there are still many challenges faced in implementing a green economy in Indonesia, including a lack of environmental literacy in society and human exploitation of other humans. Therefore, this paper aims to find strategies and recommendations that can be implemented to integrate Islamic economics within a sustainable development framework, so as to create synergy between economic growth, social welfare and environmental preservation. Therefore, it is hoped that this paper can contribute to the moral and material development of Islamic society and encourage active participation in environmental conservation efforts. Criticism and suggestions from readers are highly welcomed for future improvements.

Linda Puji Kesuma; Rayyan Firdaus

Jurnal Ekonomi dan Keuangan Islam 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Islamic accounting is an accounting system rooted in Islamic principles, such as fairness, transparency, and social responsibility. This system aims to support ethical economic practices that align with Islamic values, including the prohibition of usury, gharar (uncertainty), and activities that conflict with sharia. This article examines the benefits of Islamic accounting in fostering the growth of the Islamic economy. First, Islamic accounting helps build trust among business stakeholders and the wider community by providing accurate and transparent financial information in line with sharia principles. Second, it promotes more responsible financial management, thereby reducing financial risks that do not comply with sharia. Third, Islamic accounting plays a role in developing Islamic financial instruments, such as sukuk, zakat, and waqf, which serve as sources of productive financing for the Islamic economic sector. Therefore, the effective application of Islamic accounting can stimulate sustainable growth in the Islamic economy, promote financial inclusion, and enhance global economic stability.

Nabila Azrilia Syahra; Fitriana Yasintha; Rawdia Tuzahara; Nur Azmi; Wismanto Wismanto

Hikmah : Jurnal Studi Pendidikan Agama Islam 2024 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This article discusses the concept of buying and selling from the perspective of muamalah fiqh and its implications for sharia economics. Buying and selling, as one of the most common economic transactions, has a strong legal basis in muamalah fiqh which regulates the principles of justice, transparency and certainty in trade. This research identifies various forms of transactions that are permitted and prohibited in sharia, as well as legal conditions for buying and selling. Through a normative analysis approach and case studies, this article also explores the impact of applying the principles of muamalah fiqh on sharia economic growth, including how sharia-compliant transactions can increase public confidence in business, encourage the growth of small businesses, and create more equitable prosperity.

M. Masrukhan; Ifrizah Ifrizah

Proceeding of the International Conference on Economics, Accounting, and Taxation 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Research This investigate consumer sentiment analysis to halal products using social media data with utilise intelligence artificial intelligence (AI). With background behind increasing estimated market value of halal products reach USD 2.02 Trillion in 2024, understanding deep about opinion consumer become very important. Research This adopt approach quantitative, using secondary data from social media platforms such as Twitter, Instagram, and Facebook. Through Natural Language Processing techniques and algorithms learning machine, sentiment analysis is performed For identify pattern positive, negative and neutral in perception consumers. Research results show that 60% of the total 10,000 reviews had positive sentiment, with halal food products receiving the highest positive sentiment. Factors influencing consumer sentiment include product quality, price, and transparency of information. In addition, the study found that the use of AI in sentiment analysis provides advantages in efficiency and accuracy, and is able to capture nuances in consumer opinions that are not Possible done by manual analysis. From the analysis this, can concluded that the marketing strategy of halal products must focus on improving quality and providing clear information about halal certification. This study not only provides insight for halal industry players, but also enriches the literature related to AI, sentiment analysis, and sharia economics.

Arifudin Arifudin; Avira Clairine Zahra; Dinda Ayu Oktaviona; Diyach Rachmawati; Marcella Pinasti

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2024 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This abstract discusses the role of market mechanisms in an Islamic perspective, as well as the implications and application of Islamic economic principles in the market system. Using the literature review method, this research collects, evaluates, and synthesizes relevant literature to gain an in-depth understanding of the topic. The results of the analysis show that markets in Islam are seen as a natural mechanism for exchanging goods and services, with prices determined by the forces of demand and supply. Islamic economic principles, such as justice, expediency, and the prohibition of usury, are the foundation for a fair and sustainable market system. Apart from that, the importance of market supervision and compliance with market ethics is also emphasized to maintain balance and fairness in economic activities. The analysis also highlights prohibitions in Islamic transactions that can cause market distortions. In addition, this abstract presents a comparison between conventional economic systems (capitalist, socialist, and mixed) with Islamic economic systems, which are based on sharia principles. Thus, this research contributes to understanding the concept of market mechanisms in Islam and formulating economic policy recommendations that are in accordance with Islamic values.    

Yuliana Yuliana; Hilda Hilda; Fakhrina Fakhrina

Jurnal Ekonomi dan Keuangan Islam 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The main problem in this thesis is that in the last few months JNT Express Palembang branch has often experienced a decline in sales and also complaints from customers about the many problems that occur in the service felt by consumers such as problems with late delivery of goods, shipments that cannot be tracked, damage to goods to loss of delivery packages. These complaints were obtained from the Internet Media. The purpose of this discussion is to find out the Implementation of Risk Management in the Delivery of Goods at JNT Express Palembang Branch Services and Islamic Economic Review on Risk Management in the Delivery of JNT Express Palembang Branch Services. This research is a field research. By using qualitative methods. This research uses informants consisting of 6 people, namely 1 Leader, 1 Admin, 1 Courier and 3 JNT Palembang Branch Consumers. This research was conducted at JNT Ekpress, Jl. Sultan M. Mansyur, Bukit Lama, Kec. Ilir Barat I. Palembang City. While the data collection method in this study is in the form of observation, interviews, documentation. Based on the results of the study. Risks in shipping JNT goods are Social, Physical, Customer and Competition factors. The obstacles are delays, wrong addresses, damage and loss of goods. To prevent or minimize the occurrence of risks, JNT issues Standard Delivery Terms (SSP). Review of Islamic Economics on Risk Management in the Delivery of Goods Services JNT Express Palembang Branch is not contrary to Islam.

Hidayat Hidayat

Jurnal Budi Pekerti Agama Islam 2024 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Economic problems that occur such as multidimensional poverty in the form of education, social, health and politics. One ethod of improving the economy and poverty problems is through grounding the Islamic economy with the alms instrument. The purpose of this study is to examine the grounding of the sharia economy through the alms instrument to improve the welfare of the community through the alms instrument. This study uses a literature review that contains theories, findings and materials from previous studies as the basis for writing this article. The results of the study show that grounding the Islamic economy to the community is not only by increasing the number of Islamic financial institutions, but rather to the implications of Islamic values such as the practice of alms. Through almsgiving, Allah swt will be able to cover the needs of the poor and the giver of alms will be doubled according to His promise.

Eny Latifah; Yusuf Yusuf

Jurnal Ekonomi dan Pembangunan Indonesia 2024 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to determine the extent of the urgency of halal product certification in increasing Islamic economic growth in Indonesia. The method used is library research. The results of the study show that the urgency of halal certification in the growth of the Islamic economy in Indonesia is: (1) Halal certification is an instrument in the halal chain in the Islamic economy; (2) Halal certification encourages Indonesia's achievements through the implementation of its sharia economic system, and (3) Halal certification plays a role in increasing the quantity of economic growth in Indonesia. The research implication is as a reference and motivation for stakeholders, government and society in accelerating halal certification for target products. The novelty of research is the urgency in the movement for halal certification to move to increase the growth of the Islamic economy in Indonesia.