Jurnal Asy-Syarikah: Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam

Mewujudkan Falah Melalui Ekonomi Islam: Beyond Profit And Loss

2026-03-29T19:29:02+00:00

Penelitian ini berfokus pada analisis konsep falah dalam perspektif ekonomi Islam sebagai paradigma holistik yang melampaui ukuran keuntungan dan kerugian material. Dengan metode kualitatif berbasis studi kepustakaan, penelitian ini mengkaji sumber primer seperti Al-Qur’an, Al-Hadits, dan literatur maqāṣid al-syarī‘ah, serta referensi sekunder berupa jurnal dan buku akademik terbitan lima tahun terakhir. Analisis dilakukan melalui teknik content analysis dan interpretasi hermeneutik. Hasil penelitian menunjukkan bahwa falah merupakan konsep multidimensi yang mencakup kesejahteraan duniawi sekaligus keselamatan ukhrawi. Ekonomi Islam, melalui instrumen seperti zakat, wakaf, larangan riba, dan etika bisnis Islami, berfungsi sebagai sarana efektif untuk mencapai falah. Paradigma beyond profit and loss dalam ekonomi Islam menawarkan alternatif visioner terhadap kapitalisme dengan menyeimbangkan aspek material dan spiritual, serta kepentingan individu dan masyarakat. Implikasi penelitian menegaskan pentingnya pengembangan indikator ekonomi berbasis falah, penguatan regulasi instrumen syariah, serta peningkatan literasi keuangan syariah di kalangan masyarakat. Dengan demikian, falah dapat diwujudkan bukan hanya sebagai gagasan normatif, tetapi juga sebagai praktik nyata dalam pembangunan ekonomi berkelanjutan.

Dampak Digitalisasi Terhadap Perilaku Bisnis Skala UMKM Berbasis Majelis Taklim di Kuala Kapuas

2026-03-29T19:29:02+00:00

Kapuas Regency has the largest number of MSME communities compared to other regencies in Central Kalimantan as of 2023. One of the developing MSME communities in Kapuas Regency is the Majelis Taklim Muslimat and Yasinan Amuntai. With the current development of digitalization, the potential of Majelis Taklim as a platform to encourage digitalization among MSMEs has become very significant. This research examines 1). the role of Majelis Taklim in supporting the digital marketing of MSME products in Central Kalimantan and 2). the impact of digitalization on the marketing strategies of Majelis Taklim MSMEs products in Kapuas Regency. The type of this research is qualitative research. Data from observations, interviews, and documentation were analyzed qualitatively and descriptively. The research results are: 1). The role of Majelis Taklim in supporting the digitalization of MSMEs product marketing in Kapuas Regency has shown good progress. 2). The impact of digitalization on the marketing of UMKMs products by the Majelis Taklim in the Kapuas district has experienced a significant increase. This is evident from the sales reach of SMEs, as well as their ability to brand the products they manage.

Peran Sertifikasi Halal dalam Me Peran Sertifikasi Halal dalam Mendorong Inovasi Produk pada Industri Halal: Perspektif Kewirausahaan Syariah

2026-03-29T19:29:02+00:00

Halal certification plays a strategic role in promoting the development and competitiveness of the halal industry in Indonesia. This certification not only functions as a guarantee of product halalness but also serves as an important instrument to enhance consumer trust, product quality, and the reputation of business actors in both domestic and international markets. As public awareness of consuming halal products continues to increase, business actors are required to provide products that not only meet halal standards but are also innovative and competitive in an increasingly dynamic market. This study aims to analyze the role of halal certification in encouraging product innovation within the halal industry from the perspective of Islamic entrepreneurship. This research employs a conceptual approach using a literature study method by reviewing various scientific sources such as academic journals, official institutional reports, and previous studies relevant to halal certification, product innovation, and entrepreneurship based on Islamic values. The findings indicate that halal certification encourages business actors, particularly micro, small, and medium enterprises (MSMEs), to undertake various forms of innovation, including the selection of safer raw materials that comply with halal standards, the implementation of hygienic and transparent production systems, the development of more attractive packaging designs, and marketing strategies that emphasize halal values. In addition, halal certification strengthens the spiritual and ethical dimensions of business practices through the application of principles such as trustworthiness (amanah), honesty, social responsibility, and a commitment to public welfare (maslahah) in business activities. The contribution of this study lies in integrating the concept of halal certification with the framework of Islamic entrepreneurship as a mechanism that not only ensures compliance with Sharia principles but also encourages product innovation and value creation in the development of a competitive, inclusive, and sustainable halal industry in the modern economic era.

Implementasi Digital Marketing Halal Untuk Penguatan Daya Saing Usaha Mikro Kecil Menengah Syariah

2026-03-29T19:29:02+00:00

Perkembangan teknologi digital telah menciptakan dinamika baru bagi keberlangsungan Usaha Mikro, Kecil, dan Menengah (UMKM), baik sebagai tantangan maupun peluang. Penelitian ini bertujuan untuk menganalisis kondisi aktual UMKM dalam menghadapi era digital, mengevaluasi penerapan strategi pemasaran digital yang telah digunakan, serta merumuskan langkah optimalisasi yang diperlukan untuk meningkatkan efektivitas pemasaran. Temuan menunjukkan bahwa tingkat adopsi teknologi di kalangan UMKM masih bervariasi, dengan sebagian besar pelaku usaha belum menerapkan digitalisasi secara komprehensif. Rendahnya literasi digital, keterbatasan biaya, dan minimnya kemampuan mengukur efektivitas promosi menjadi hambatan utama. Evaluasi terhadap strategi pemasaran digital seperti SEO, SEM, media sosial, pemasaran konten, dan email marketing menunjukkan bahwa pendekatan terintegrasi mampu meningkatkan jangkauan pasar, brand awareness, dan penjualan secara signifikan. Lebih lanjut, optimalisasi pemasaran digital perlu dilakukan melalui penguatan kualitas konten, personalisasi layanan berbasis data, serta pemanfaatan teknologi mutakhir seperti big data dan kecerdasan buatan. Penelitian ini menegaskan pentingnya kemampuan adaptasi dan fleksibilitas UMKM dalam mengikuti perkembangan teknologi agar dapat bersaing secara berkelanjutan di era digital.

Integrasi Etika Bisnis Islam Dan Prinsip Gcg Dalam Mewujudkan Korporasi Berkelanjutan Perspektif Tata Kelola Berbasis Nilai

2026-03-29T19:29:02+00:00

This article aims to examine the integration of Islamic business ethics and Good Corporate Governance (GCG) principles in achieving sustainable corporations. The background of this study stems from various failures in modern corporate governance, indicating that conventional GCG practices, which are primarily oriented toward structural compliance, have not been sufficient to ensure ethical corporate behavior and social-environmental responsibility. This study employs a qualitative approach using a library research method through the review of academic books, scientific journal articles, and official documents relevant to Islamic business ethics, GCG, and corporate sustainability. The findings reveal that Islamic business ethics, grounded in the values of tauhid (unity of God), amanah (trust), justice (‘adl), honesty, and social responsibility, align with and reinforce GCG principles such as accountability, transparency, responsibility, and fairness. The integration of these frameworks extends the meaning of corporate governance from mere legal compliance toward the internalization of moral and spiritual values within organizational culture. Furthermore, this integration promotes a more holistic governance system that not only emphasizes economic performance but also social and environmental sustainability. The implication of this study highlights the importance of incorporating Islamic ethical values into corporate governance practices to enhance organizational integrity, strengthen stakeholder trust, and support equitable and sustainable economic development. Thus, the integration of Islamic business ethics and GCG principles serves as a conceptual foundation for developing an Islamic Good Corporate Governance model that is adaptive to global challenges.

Pengaruh Customer Review, Harga, Kualitas Pelayanan, dan Strategi Pemasaran terhadap Minat Beli Konsumen pada Akad Ju’alah

2026-03-29T19:29:02+00:00

The dropshipping system in buying and selling transactions carried out by Tumbang Sambas village traders uses a ju'alah contract. In a jualah contract transaction where the seller provides goods from the distributor, the goods are marketed to consumers offline and online. Offering goods to consumers makes it necessary to study the factors that influence consumer buying interest in the ju'alah contract. The study aims to determine the effect of customer reviews, selling prices, service quality, and marketing strategies on buying interest variables. The research method uses a descriptive quantitative method that explains whether variable X has an influence on variable Y. The population used is 6,189 people spread across Tumbang Samba village. The sampling method uses a purposive sampling method where the study determines the location of 98 respondents at the Pasar Banjar sub-district point. This research instrument used a Likert scale and was analyzed using SPSS 25. The results of the study, conducted using a partial t-test, showed that the customer review (X1) value was 0.249, indicating no effect. Meanwhile, the marketing strategy variable (X4) had a significance value of 0.562, indicating a significant effect on the purchase intention variable (Y). Meanwhile, the selling price variable (X2) had a significance value of 0.010 and the service quality variable (X3) had a significance value of 0.020, indicating no effect. The simultaneous statistical test (F) showed a significant effect on the customer review, selling price, service quality, and marketing strategy variables, indicating a significance value of 0.000 on purchase intention. The coefficient of determination (R-Square) value was 26.8% for all four variables. The R-Square value accounted for 26.8% of the variation in the purchase intention variable.

Pengaruh Penggunaan Virtual Account Terhadap Kepuasan Dalam Transaksi Pembayaran Kuliah Mahasiswa Prodi Perbankan Syariah Universitas Islam Ahmad Dahlan

2026-04-04T05:23:13+00:00

This research was conducted with the primary objective of analyzing and evaluating the influence of using the Virtual Account (VA) system on the level of student satisfaction in tuition payment transactions, with a study focus on the Islamic Banking Study Program at Ahmad Dahlan Islamic University (UIAD) Sinjai. Along with the acceleration of digital transformation in the financial sector, higher education institutions are required to adopt payment mechanisms that are more efficient, transparent, and accountable. This research applies a causal quantitative approach to test the causal relationship between variables. The population in this study includes all active students of the Islamic Banking Study Program, totaling 140 individuals, with sample determination using the Slovin formula which produced 104 respondents selected through simple random sampling technique. Data was collected through a 4-point Likert scale questionnaire instrument that had been validated and tested for reliability using SPSS version 24 software. Data analysis included classical assumption tests, simple linear regression, t-test, and coefficient of determination (). Empirical findings show that the use of Virtual Accounts has a positive and significant influence on student satisfaction, with a regression coefficient value of 0.707 and a significance value of 0.000. The value of 0.375 indicates that 37.5% of the variation in student satisfaction is explained by the Virtual Account variable, while 62.5% is influenced by other variables. These findings provide strategic implications for university managers to optimize digital infrastructure and financial system integration in order to improve administrative services that are adaptive to student needs in the digital economy era.

Strategi Peningkatan Kapasitas Agen Asuransi Dalam Penjualan Polis Asuransi Di Pt Prudential Prestasi Agency Medan

2026-03-31T14:27:38+00:00

The low penetration rate of the insurance industry in Indonesia shows the importance of increasing the capacity of agents as the spearhead of insurance product marketing. The development of agent competencies is an important factor in increasing policy sales and company competitiveness in the midst of the development of digital technology. This study uses a qualitative descriptive method with data collection techniques through interviews, observations, and documentation of agents, team leaders, and management at PT Prudential Prestasi Agency Medan. The results of the study show that agent capacity building is carried out through continuous training that focuses on product mastery, communication skills, leadership, and the application of modern sales techniques such as consultative selling and Neuro-Linguistic Programming (NLP). The use of digital technology through the PRUforce application also improves work efficiency, speeds up the sales process, and makes it easier to serve customers. In addition, marketing strategies such as canvassing, door to door, and the use of social media have proven effective in expanding market reach, especially among millennials. Agent capacity building is supported by intensive training, an incentive system that motivates performance, and a humane personal approach to customers. The synergy between agent competency development, the use of digital technology, and modern marketing strategies are important factors in increasing insurance policy sales and strengthening the company's competitiveness.

Tradisi Mappamula dalam Perspektif Ekonom Syariah:Penguatan Ketahanan Pangan Petani Bugis Sidrap Sulawesi Selatan

2026-03-31T01:45:50+00:00

The Mappamula tradition is a form of local wisdom practiced by the Bugis community of Sidrap prior to the commencement of agricultural activities, serving as a means of prayer, social consensus, and respect for collective values. This study aims to analyze the Mappamula tradition from the perspective of Islamic economics and its role in strengthening food security among Bugis farmers in Sidrap. The research employs a qualitative method with an ethnographic approach, utilizing observation, interviews, and documentation involving farmers and traditional leaders. The findings indicate that Mappamula embodies Islamic economic values, such as the principles of justice, mutual assistance (ta‘āwun), deliberation (musyawarah), and the pursuit of blessing (barakah) in agricultural activities. This tradition also functions as a social mechanism to build farmer solidarity, coordinate collective planting schedules, and minimize conflicts as well as the risk of crop failure. In the context of food security, Mappamula contributes to production sustainability through the strengthening of farmers’ social and spiritual capital, which in turn impacts the stability of agricultural output and community welfare. This study affirms that integrating local wisdom with Islamic economic principles can serve as an alternative strategy for value- and culture-based agricultural development. The findings are expected to provide a reference for the formulation of food security policies oriented toward local wisdom and Islamic economics

Pengaruh Kualitas Layanan Digital dan Kemudahan Akses Terhadap Produk Pembayaran ZIS Melalui Byond BSI

2026-03-31T01:48:19+00:00

This study aims to examine the effect of digital service quality and ease of access on zakat, infaq, and shadaqah (ZIS) payment products through the Byond by Bank Syariah Indonesia (BSI) application. This research employs a quantitative approach using primary data collected through questionnaires distributed to 90 respondents from students of the Islamic Banking Study Program at the State Islamic University of North Sumatra (UIN-SU). Data analysis was conducted using SPSS through data quality tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing including Adjusted R Square, t-test, and F-test. The results indicate that digital service quality has a positive and significant effect on ZIS payment products. Furthermore, ease of access also shows a positive and significant influence and is identified as the most dominant variable. Simultaneously, digital service quality and ease of access significantly affect ZIS payment products through Byond by BSI, with an Adjusted R Square value of 59.9%. These findings suggest that improving digital service quality and ensuring ease of access can enhance the utilization of ZIS payment features, particularly among students as a young generation that is highly responsive to digital innovations in Islamic financial services.