JOURNAL OF SHARIA ECONOMICS

Pengaruh Perbankan Syariah Terhadap Financial Deepening Di Indonesia dengan Inflasi Sebagai Variabel Moderating

Miranda Miranda — 2025-06-06

This research examines the effect of third party funds and sharia financing on financial deepening in Indonesia by highlighting inflation as a moderating variable. Researchers used panel data namely data obtained from several financial report for 2017-2021 from 3 islamic commercial banks, which are the sample of this research with quarterly data. The data analysis technique in the research used a panel data regression test (CEM) and a moderation test with the help of the eviews version 12 programs. The results of this research show that third party funds and sharia financing have an effect on financial deepening in Indonesia without being moderated by inflation. Meanwhile, inflation has no effect on financial deepening in Indonesia. The research results imply that sharia banking will expand services to the community with the aim of increasing sharia bank capital for financing. This research contributes to the scientific horizon of Islamic banking and the role of financial deepening in terms of the financiak sector.

Potongan Pelunasan Dalam Akad Murabahah Di Lembaga Keuangan Syari’ah

Sudianto Sudianto — 2025-06-06

This study sought to ascertain how the BPRS Bhakti Sumekar Branch Pragaan should implement Fatwa No. 23/DSN-MUI/III/2002 on the termination of the Murabaha contract. The researchers employed a case study, a descriptive qualitative research method, to learn more (Case Study). The findings demonstrated that clients at the BPRS Bhakti Sumekar Pragaan Branch who choose to settle their debts ahead of schedule can do so with ease thanks to the payback deduction included in the Murabaha contract. There are two different forms of financing: payroll cut financing, which deducts 25% of the residual margin, and direct pay financing, which deducts margin decrease. The bank and the client benefit from the profit factor that is obtained.

Analisis Minat Nasabah Dalam Menggunakan Produk Gadai di Bank Syariah Indonesia KCP Sumenep

Holilur Rahman — 2025-06-06

Financing through pawn products is generally available at pawnshop institutions, but along with the development of Islamic finance, Bank Syariah Indonesia (BSI) also participated in financing opportunities for 732 people through pawn. The large interest of these customers needs to be analyzed considering that BSI, a sharia financial institution that initially focused on savings and financing, is currently shifting to pawn products. This study uses a descriptive qualitative research approach with a case study type. Data collection techniques used are observation, interviews and documentation. The results of the study indicate that the marketing strategy of BSI KCP Sumenep offers gold pawn services using Philip Kotler's strategy, namely: product strategy, price, place and promotion and one of the innovations of BSI KCP Sumenep itself is market raids and casual walks (JJS). Advantages The application procedure is very easy to do, the loan process is very fast, the BSI KCP Sumenep gold pawn product itself is able to provide relatively large loan funds, customers receive loans to customer accounts, collateral is stored safely at BSI and notification to customers who pawn gold at BSI when the due date, with that customers are interested in using pawn products at BSI KCP Sumenep.

NILAI FILOSOFIS TANGGUNG JAWAB ; ETIKA DAN MORAL DALAM PERSPEKTIF ISLAM

shelvyna rikantasari — 2025-06-26

Artikel ini membahas nilai tanggung jawab dalam perspektif Islam sebagai prinsip fundamental dalam membentuk karakter individu muslim sekaligus pijakan moral sosial dan spiritual. Tanggung jawab dalam Islam tidak hanya dimaknai sebagai kewajiban etis, tetapi juga merupakan amanah ilahiah yang mencerminkan relasi manusia dengan Allah, sesama, lingkungan, dan dirinya sendiri. Dengan menggunakan metode studi pustaka dan pendekatan deskriptif-kualitatif, tulisan ini menelaah dimensi tanggung jawab melalui konsep khalifah, amanah, dan mas'uliyyah, yang berakar kuat dalam ajaran Al-Qur'an dan hadis. Penjabaran dilakukan dengan mengurai empat bentuk tanggung jawab utama: kepada Tuhan, masyarakat, lingkungan, dan diri sendiri. Hasil kajian menunjukkan bahwa tanggung jawab dalam Islam memiliki cakupan yang holistik, berperan membentuk harmoni individu dengan tatanan sosial dan kosmos. Dengan menjalankan tanggung jawab sesuai fitrah dan petunjuk wahyu, seorang muslim diharapkan menjadi pribadi yang amanah dan berkontribusi aktif dalam membangun peradaban yang adil dan berkeadaban. Konsep ini menegaskan bahwa tanggung jawab adalah bagian integral dari eksistensi manusia sebagai khalifah di bumi.

Kata kunci: tanggung jawab, Islam, khalifah, amanah, etika, spiritualitas

Implementasi Fatwa DSN-MUI Tahun 2002 Tentang Rahn Dalam Layanan Pegadaian Syariah Tuban: Telaah Terhadap Penerapan Biaya Mu’nah

Moh Agus Sifa' — 2025-06-27

This study examines the implementation of the 2002 DSN-MUI Fatwa on Rahn in Pegadaian Syariah Tuban services, focusing on the application of mu'nah fees. This study aims to understand how Pegadaian Syariah Tuban applies sharia principles in Rahn services and how mu'nah fees are determined and charged to customers. The results of the study indicate that Pegadaian Syariah Tuban has implemented Rahn in accordance with sharia principles and the provisions of the DSN-MUI Fatwa, with mu'nah fees charged to customers based on the estimated value of marhun. This study contributes to the understanding of the implementation of sharia principles in sharia financial services and can be a reference for practitioners and researchers in the field of sharia finance

STRATEGI PEMASARAN PRODUK TABUNGAN SABAR DALAM MENINGKATKAN JUMLAH DANA PIHAK KETIGA DI KSPPS BMT NU CABANG JAMBESARI DARUS SHOLAH

Ainur Rohmah — 2025-06-27

KSPPS BMT NU Jambesari Darus Sholah Branch is a business entity engaged in fundraising and fund distribution, has several products offered in the form of savings and financing. In this article, the researcher focuses on savings products at BMT NU Jambesari Darus Sholah Branch, one type of several savings products available, with the provision that this type of savings product has a fairly large profit share compared to other savings products, which is 55% and withdrawals can only be made during the month of Ramadan, with an initial deposit of IDR 10,000 and a minimum of IDR 5,000 for subsequent deposits without any element of coercion when saving. This savings is held to make it easier for people to meet their needs before Eid, this type of savings is known as Eid savings or SABAR, the purpose of this study is to find out what strategies are used in marketing SABAR savings products so that they become superior products and can increase the amount of third party funds at BMT, by using qualitative methods with a case study approach to find out more deeply about the marketing strategies used, thus it was obtained that BMT NU Jambesari Darus Sholah Branch uses the 4P strategy, namely product, price, place, and promotion. in marketing the products they offer while still adhering to the principles of Islamic teachings based on the Qur'an and the Sunnah.

Analisis Pengembangan Usaha Budidaya Ikan Patin Dan Produk Olahannya Terhadap Pendapatan Pembudidaya Dan Ekonomi Masyarakat Sekitar Menurut Perspektif Ekonomi Islam ( Studi Kasus Kelompok Budidaya Desa Teluk Ketapang, Pemayung, Batang Hari )

Azizatul Mahfudhoh — 2025-06-27

This study aims to identify problems and efforts in developing fish farming business and its processed products in Teluk Ketapang Village, as well as its impact on farmers and surrounding communities according to the perspective of Islamic economics. This type of research is descriptive qualitative research, data collected and obtained through interviews, observation, and documentation. Testing the validity of data using triangulation and member check techniques. The results of this study show that problems in developing catfish farming business in Teluk Ketapang Village include lack of knowledge about aquaculture and limited funds as capital, while there are other problems in the form of internal problems of the Bina Sejati group and problems about marketing occur in the Harapan Maju group. Development efforts are carried out through training, funding applications, and market expansion, reflecting the principles of Islamic economics that emphasize diversity, common prosperity, and sustainability. The positive impact of this cultivation business can be seen in increasing the income of cultivators and the economy of the surrounding community, as well as social contributions such as the opening of job opportunities and the practice of giving sadaqah, making this business in accordance with Islamic economic values that emphasize social responsibility and environmental conservation.

Pengaruh Minat Dan Tingkat Harga Terhadap Preferensi Masyarakat Muslim Yang Akan Menggunakan Akad Murabahah Pada KPR Bank Syariah Di Kota Jambi

Natasha Aurora Geraldine — 2025-07-03

This study aims to determine the description of interest, price level, and preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City, analyze the influence of interest, price level on the preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City partially, and analyze the influence of interest and price level on the preference of Muslim community using murabahah contract on KPR Bank Syariah in Jambi City simultaneously. The population in this study was 412,850 residents of Jambi City who are Muslim and are included in the productive age category. The analysis method in this study is quantitative data analysis technique. The results of the research that has been conducted: 1) Public interest in Murabahah contract in KPR Bank Syariah is moderate. This shows that people are starting to realize the importance of sharia-based financing, but have not fully made it their main choice. 2) Price level has a significant influence on public preference in choosing Murabahah contract. 3) Interest does not have a significant effect on preference. 4) Interest and price level influence the preference of Muslim community to use murabahah contract on KPR Bank Syariah in Jambi City simultaneously.

Analisis Penerapan Rantai Nilai Halal (Studi Pada UPTD Rumah Potong Hewan Dinas Pertanian Dan Ketahanan Pangan Kota Jambi)

Andika Afrilia Setiawan — 2025-07-06

This study aims to analyze the implementation of the halal Value Chain at the UPTD Slaughterhouse of the Department of Agriculture and Food Security of Jambi City, which has an important role in providing halal meat for the Muslim majority community in Jambi City. The halal Value Chain is a series of production activities that guarantee the halalness of products, involving authorized institutions in supervision, management, testing, and policy determination, evaluation, and control of the production, distribution, and consumption processes. This study uses a qualitative method with data collection techniques through direct observation, in-depth interviews, and analysis of related documents. To achieve the research objectives, a SWOT analysis is used as a tool for formulating an effective halal Value Chain implementation strategy, taking into account the strengths, weaknesses, opportunities, and threats faced by the UPTD Slaughterhouse. The results of the study indicate that the implementation of the halal Value Chain at the UPTD Slaughterhouse in Jambi City has been carried out systematically in accordance with the principles of halalan thayyiban and the Safe, Healthy, Whole, and Halal (ASUH) standards. Supporting factors include halal certification, accreditation of the Veterinary Control Number (NKV), and the presence of Halal Slaughterers (JULEHA). The main challenges include limited human resources (HR), the absence of an internal laboratory, and lack of distribution supervision. Recommended strategies include strengthening cross-agency collaboration, increasing training, and improving infrastructure and supervision systems to ensure sustainability and increase trust in halal products.

Analisis Implementasi Quick Respon Indoneian Standard (QRIS) Sebagai Alat Transaksi Pembayaran Dalam Upaya Peningkatan Pendapatan Pelaku Usaha Mikro Kecil (UMK) Di Tanjung Jabung Timur Dalam Perspektif Maslahah

Rosnaida Rosnaida — 2025-07-07

Research on "Analysis of the Implementation of Quick Response Indonesian Standard (QRIS) as a Payment Transaction Tool in Efforts to Increase the Income of Micro, Small Enterprises (UMK) in East Tanjung Jaung in a Maslahah Perspective" This analysis was carried out to find out how QRIS is implemented in an effort to increase income in MSEs. is in East Tanjung Jabung. This research is a type of field research using qualitative data from various literature. The research object is business actors in East Tanjung Jabung by examining the application of qris as a means of payment transactions in an effort to increase the opinions of the actors. This research used 10 informants from micro and small business actors in East Tanjung Jabung. Meanwhile, the methods used to collect data are observation, interviews, and no documentation. The results show that the use of QRIS as a payment transaction tool provides convenience, speed and security for each transaction, as well as helping to increase income in the business, according to the maslahah perspective where the implementation of QRIS as a payment transaction tool provides convenience, speed and security for its users, which can seen from the perspective of maslahah which can be interpreted as prioritizing other people's needs, prioritizing other people's affairs and providing benefits to other people.

Pengaruh Persepsi Kemudahan, Persepsi Manfaat, Dan Keamanan Terhadap Minat Menggunakan E-Wallet Dalam Perspektif Ekonomi Islam

Asroful Anam — 2025-07-08

This study examines the influence of Perceived Ease of Use, Perceived Usefulness, and Security on the Interest in Using E-Wallets from an Islamic Economics perspective. The research employs a descriptive quantitative approach, with the population consisting of undergraduate students from the Islamic Economics Study Program at Jambi University, cohorts 2021–2023. The sampling method used is simple random sampling, resulting in a total sample of 204 respondents. Data analysis was conducted using multiple linear regression with the SPSS 26 application. The results indicate that, partially, Perceived Ease of Use and Perceived Usefulness have a positive but not significant effect on the Interest in Using E-Wallets, whereas Security has a positive and significant effect. Simultaneously, the three independent variables have a significant effect on the Interest in Using E-Wallets.

Peran Perempuan Bekerja Dalam Menunjang Perekonomian Keluarga Melalui Pendekatan Fiqih Perempuan: Studi Pada Karyawan Franchise Tom Pizza di Kota Jambi

Kurnia Ernisa — 2025-07-15

The increasing participation of women in economic activities is driven by changes in societal concepts and attitudes, as well as ongoing improvements. Through active involvement in development, women are able to contribute to meeting their daily needs through their own income. This study aims to identify and analyze the factors that motivate women to work at the Tom Pizza franchise, as well as to examine the role of working women in improving family economic conditions through their employment at Tom Pizza. This research employs a qualitative approach, with informants consisting of eight Tom Pizza employees, the business owner, and gender studies experts. The findings reveal that female employees at Tom Pizza are motivated primarily by economic factors, namely to help fulfill household needs, as well as by needs for self-actualization and social interaction. From the perspective of Islamic jurisprudence (fiqh al-nisa’), their employment is considered permissible (mubah) as long as it adheres to Islamic principles, such as maintaining personal dignity, obtaining spousal consent (for married women), and not neglecting domestic responsibilities. The study also highlights that women's involvement in the labor market significantly contributes to household economic stability and reflects a broader shift from traditional domestic roles to active public participation.These findings imply the importance of gender-sensitive policies and the need for a more contextual and adaptive interpretation of fiqh to align with contemporary social realities. This research is expected to serve as a reference for further studies on women, family economics, and Islamic commercial jurisprudence (women’s fiqh).

Analisis Strategi Komunikasi Pemasaran Pedagang Pasar Untuk MeningkatkanPendapatan (Omzet) Dalam Perspektif Etika Bisnis Islam (Studi Pedagang Pasar Rakyat Aurduri Kota Jambi)

Indah Dewi Sundayani — 2025-07-16

This study aims to analyze the marketing communication strategies implemented by traders at Aurduri Traditional Market in Jambi City in an effort to increase their income (turnover), as well as to evaluate the implementation of Islamic business ethics in trading activities. This study uses a qualitative approach with in-depth interview methods and participatory observation of traders and buyers in the market. The data analysis technique used is SWOT analysis to evaluate the strengths, weaknesses, opportunities, and threats in the marketing communication strategies implemented. The results of the study show that traders at Aurduri Traditional Market implement various marketing communication strategies, such as direct interaction with customers, providing discounts, and promotions through simple social media. However, the implementation of this strategy still faces challenges in the form of competition with modern markets and limited technological knowledge. From the perspective of Islamic business ethics, most traders have implemented the principles of fairness, transparency, and honesty in transactions.

Analisis Pengaruh Karakteristik Syariah Marketing Terhadap Kepuasan Nasabah Bank Syariah Indonesia KC Jambi Gatot Subroto

Mia Awdina — 2025-07-18

This research aims to analyze the influence of sharia marketing characteristics consisting of theistic, ethical, realistic and humanistic on customer satisfaction. This type of research is quantitative research. This research was conducted on customers of Bank Syariah Indonesia KC Jambi Gatot Subroto and the number of samples used was 100 respondents. Samples were taken based on the probability sampling method. Data collection was carried out by distributing questionnaires. The data analysis technique used is multiple linear regression with the help of the SPSS version 26 analysis tool. Hypothesis testing shows that the four independent variables, namely theistic, ethical, realistic and humanistic, are proven to partially and simultaneously have a positive and significant effect on the dependent variable, namely customer satisfaction.

Strategi Pemasaran Produk Griya Bank Syariah Indonesia di Kantor Cabang Pembantu Jelutung Jambi

Alfan Septiardo Ilham — 2025-07-27

This study aims to analyze the marketing strategy of the home ownership financing product (Griya) at Bank Syariah Indonesia (BSI), Jelutung Jambi Sub-Branch Office. Griya is one of the leading sharia banking products designed to fulfill the community’s housing needs through Islamic financial principles. However, the relatively low number of Griya customers compared to other products indicates the need for more effective and innovative marketing strategies. This research employs a descriptive qualitative method with a case study approach, supported by a SWOT analysis to identify the strengths, weaknesses, opportunities, and threats in marketing the Griya product. The findings reveal that BSI Jelutung Jambi needs to strengthen market segmentation, enhance promotion through sharia-based education, and optimize digital services to expand its market reach. With adaptive marketing strategies grounded in Islamic values, the Griya product is expected to become more competitive and widely accepted by the public.

Analisis Pengaruh Faktor Promosi, Pengetahuan Produk, Dan Kualitas Pelayanan Pt Pegadaian Syariah (Persero) Terhadap Minat Untuk Menggunakan Tabungan Emas Syariah (Studi Kasus Pada Masyarakat Kota Jambi)

Neti Amelia — 2025-08-20

This study is entitled "Analysis of the Influence of Promotion Factors, Product Knowledge, and Service Quality of PT Pegadaian Syariah (Persero) on Interest in Using Gold Savings (Case Study in Jambi City Society)". This study aims to analyze the Promotion Factor (X1), Product Knowledge (X2), and Service Quality (X3) have a significant effect on (Y) the interest of Jambi city society to use Gold savings products at PT Pegadaian Syariah (Persero) Jelutung Branch, Jambi City. This study uses quantitative research with quantitative analysis, primary research data is collected directly from the source in the form of questionnaires, interviews, observations, and documentation taken using purposive sampling techniques with a population and sample of 100 people in the Jambi city community. The method or technique of data collection used is field research. The study uses validity and reliability testing and uses data analysis techniques that include classical assumption tests and multiple linear regression analysis. The results of the study show that the influence of the promotion variable (X1) has a positive effect on public interest in using Gold Savings, the product knowledge variable has a positive effect on public interest in using Gold Savings, and the service quality variable (X3) has an effect on public interest in using Gold Savings.

Analisis Efektivitas Pendayagunaan Dana Zakat Pada Program Bedah Rumah Tidak Layak Huni Oleh BAZNAS Kabupaten Tanjung Jabung Barat

Harry Ratul Jannah — 2025-08-29

This research aims to gain an understanding of the condition of recipients of the uninhabitable house renovation program by BAZNAS West Tanjung Jabung Regency, analyzing the impact on recipients and the effectiveness of the program. The type of research used is descriptive qualitative research, data collected and obtained through interviews, observation and documentation. Data validity test using extended observation techniques, triangulation and reference materials. The results of this research show that the BAZNAS West Tanjung Jabung Regency renovation program for uninhabitable houses is said to be effective by using 4 benchmarks or aspects, namely the task aspect, plan aspect, regulatory aspect and goal aspect, and shows that this program has a good impact on the lives of mustahik.

Pengaruh Live Streaming, Flash Sale, Dan Big Sale Shopee Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Jambi Dalam Prespektif Ekonomi Islam

Sari Halizah Panggabean — 2025-08-29

This study aims to determine the effect of live streaming, flash sales and big sales shopee on consumptive behavior among students. This research was conducted at the Faculty of Economics and Business, University of Jambi. The method used in this research is a quantitative method. The technique used in sampling is purposive sampling technique. The number of samples taken was 98 respondents from a population of 4,300. Data collection in this study was carried out using a questionnaire. The data analysis technique in this study was carried out using the SmartPLS 4 application program. The results showed that partially live streaming (X1) did not have a significant effect on consumptive behavior, flash sales (X2) had a significant effect on consumptive behavior and big sales (X3) did not have a significant effect on consumptive behavior. Simultaneously live streaming, flash sales and big sales shopee have an effect on consumptive behavior

Pengaruh Prinsip Ekonomi Islam terhadap Keputusan Trading Cryptocurrency Oleh Traders Muslim Dalam Komunitas New Crypto Jambi Dan Exness Trading Di Kota Jambi

Fikry Ramadhani Hasan — 2025-09-03

This study aims to analyze the influence of Islamic economic principles on the cryptocurrency trading decisions of Muslim traders in the New Crypto Jambi and Exness Trading communities in Jambi City. The research findings show that the understanding of Islamic economic principles among Muslim traders is still low, both in the novice community (New Crypto Jambi) and the experienced community (Exness Trading). The majority of traders focus more on financial profit without considering the Islamic aspects in their trading decisions. The Exness Trading community tends to be more cautious in selecting trading instruments, although they are still uncertain about the legality of their activities. Meanwhile, traders in the New Crypto Jambi community tend to overlook the consideration of Islamic law in their trading activities and only become aware of Islamic principles after experiencing losses. Additionally, most traders do not understand the elements of gharar, maysir, and riba in cryptocurrency and have not made efforts to seek legal clarification through fatwas from scholars or Shariah financial institutions. In conclusion, the influence of Islamic economic principles on trading decisions is still very minimal due to the lack of Islamic economic literacy, limited education, and the weak role of communities in disseminating Sharia principles. This study recommends increasing Islamic economic literacy through collaboration with Shariah economic experts, as well as organizing regular discussions in trading communities on halal-haram principles in cryptocurrency trading. Further research with direct observation and in-depth interviews is recommended to explore the influence of religiosity perceptions on trading decisions.

Peran Religious Commitment dalam Hubungan Content Marketing terhadap Minat Beli Kuliner Gen Z Muslim Kota Jambi di TikTok

Puspita Sari — 2025-09-08

This study aims to analyze the influence of Content Marketing on culinary buying interest in Gen Z Muslims in Jambi City with Religious Commitment as an intervening variable. This study is important because it shows how digital marketing strategies not only play a role in attracting consumers, but also interacting with the religious values held by Muslim communities. The research uses a quantitative approach with an explanatory research method. Data was obtained through the distribution of questionnaires to 96 Gen Z Muslim respondents who actively use TikTok, then analyzed using the Partial Least Square-Structural Equation Modeling (PLS-SEM) technique with the help of SmartPLS 4.0 software. The results of the study show that Content Marketing has a positive and significant effect on Buying Interest and Religious Commitment. However, Religious Commitment has a negative effect on Buying Interest, thus mediating the relationship between Content Marketing and Buying Interest negatively. These findings confirm that the higher the level of religious commitment a consumer, the more cautious he or she is in responding to culinary marketing content. Thus, culinary business actors need to ensure that the Content Marketing strategy presented is not only visually appealing, but also emphasizes the halal-thayyib aspect to be in harmony with the religious values of Muslim consumers