Jurnal Ilmiah Ekonomi Islam
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PERAN EKONOMI KREATIF TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA DALAM PERSPEKTIF ISLAM
Full text linkPenelitian ini bertujuan untuk mengkaji bidang ekonomi kreatif yang mendorong pertumbuhan ekonomi Indonesia, mengukur kontribusi sektor tersebut terhadap PDB nasional, memberikan rekomendasi pengembangan ekonomi kreatif agar lebih maksimal dalam mendukung perekonomian, dan memaparkan ekonomi kreatif menurut perspektif Islam berdasarkan Al-Quran dan Sunnah, dengan harapan dapat memberikan wawasan komprehensif mengenai peran dan potensi ekonomi kreatif di Indonesia. Penelitian ini menggunakan pendekatan kualitatif diskriptif. Sedangkan sumber data yang digunakan adalah data sekunder seperti; referensi, jurnal, buku, atau data dokumentasi yang berkaitan dengan penelitian. Cara atau teknik pengumpulan data dengan studi pustaka dilakukan melalui beberapa tahapan, antara lain merumuskan pertanyaan penelitian, mencari sumber-sumber pustaka, dan mengevaluasi sumber-sumber pustaka. Hasil penelitian menunjukkan bahwa ekonomi kreatif sangat penting bagi pertumbuhan ekonomi Indonesia, dengan kontribusi besar pada PDB, lapangan kerja, dan devisa. Kuliner, kriya, dan fesyen adalah subsektor utama penyumbang PDB. TV/radio, film/animasi/video, seni pertunjukan, dan desain komunikasi visual mengalami pertumbuhan pesat.Pengembangan ekonomi kreatif memerlukan strategi komprehensif: infrastruktur, SDM, akses modal, HKI, promosi, dan kerja sama. Prinsip Islam dapat menjadi landasan etis dan bermanfaat bagi ekonomi kreatif
Paradigma Filantropi Islam dalam Keuangan Mikro Islam: Analisis Berbasis Literatur Terhadap Fungsi Maal di Baitul Maal Wat Tamwil
No full textThis study examines the incorporation of Islamic philanthropy—zakat, infaq, and sadaqah—into the operational mechanism of Islamic microfinance by specifically focusing on the maal program in Baitul Maal Wat Tamwil (BMT). This study aims to evaluate the role of philanthropic financial instruments in ethical finance and inclusive development from an Islamic perspective. A narrative literature review with sources mostly from Scopus, as well as using Islamic microfinance and maal function in BMT as keywords, was conducted. The approach was thematic, based on the purpose of Islamic law, namely, to preserve wealth and welbeing. The study results indicated that the maal function is the base principle in Islamic microfinance rather than an extra one. Models based on institutions such as BMT and waqf-related finance have found a successful way to blend philanthropy with financial intermediation, hence economically empowering and providing social justice. The operational impact may be improved through strategic tools such as Islamic corporate social responsibility, digital zakat platforms, and performance measurement models. This research, in refocusing maal as instrumental in sustainable microfinance, adds to Islamic finance literature. This analysis informs policy prescriptions and institutional reforms for moral, socially inclusive financial systems in the Muslim world BMTPenelitian ini mengkaji integrasi filantropi Islam—zakat, infaq, dan sedekah—ke dalam mekanisme operasional keuangan mikro syariah dengan fokus khusus pada program maal di Baitul Maal Wat Tamwil (BMT). Tujuan dari studi ini adalah untuk mengevaluasi peran instrumen keuangan berbasis filantropi dalam mendorong keuangan etis dan pembangunan inklusif dari perspektif Islam. Metode yang digunakan adalah narrative literature review dengan sumber utama berasal dari basis data Scopus, menggunakan kata kunci “keuangan mikro syariah” dan “fungsi maal dalam BMT”. Pendekatan analisis bersifat tematik, didasarkan pada tujuan utama syariat Islam, yakni menjaga harta (hifz al-mal) dan kesejahteraan (hifz al-nafs).
Hasil penelitian menunjukkan bahwa fungsi maal merupakan prinsip dasar dalam keuangan mikro syariah, bukan sekadar fungsi tambahan. Model-model kelembagaan seperti BMT dan skema pembiayaan berbasis wakaf menunjukkan keberhasilan dalam memadukan nilai-nilai filantropi dengan intermediasi keuangan, sehingga mampu memberdayakan secara ekonomi sekaligus menciptakan keadilan sosial. Dampak operasional dapat ditingkatkan melalui penerapan strategi seperti tanggung jawab sosial perusahaan Islam (Islamic Corporate Social Responsibility), platform zakat digital, dan model pengukuran kinerja sosial.
Dengan memposisikan kembali fungsi maal sebagai elemen kunci dalam keuangan mikro yang berkelanjutan, penelitian ini memberikan kontribusi penting terhadap literatur keuangan Islam. Analisis ini juga menawarkan dasar bagi perumusan kebijakan dan reformasi kelembagaan dalam membangun sistem keuangan yang bermoral dan inklusif secara sosial di dunia Muslim, khususnya dalam konteks BMT
Binary Option sebagai Praktik Investasi dalam Perspektif Maqashid Al-Syariah
Full text linkIn Indonesian society today, binary options have emerged as a new trend that has attracted public attention., as the platform is seen as a quick means of gaining profits. However, the lack of public understanding of the concept and mechanism of such trading is believed to lead to more gambling. This is evidenced by the binary option transaction system which is more similar to a zero-sum game, as well as the results of profits obtained solely based on predictions of the rise and fall of an asset, without having to own the asset being traded. This study aims to analyze the status of binary options as a legitimate investment or even as prohibited gambling from the perspective of maqashid syariah. The method in this study uses a qualitative approach derived from secondary data. The data collection technique used is library research with data analysis techniques are content analysis and induction. The findings of this study are that binary option trading does not meet the characteristics of investment in Islam and contains elements of maysir (speculation) and gharar (uncertainty) which are explicitly prohibited in Islam. So this activity can be categorized as more similar to gambling. From a maqashid perspective, it can be categorized as practices that are contrary to the principle of hifdz al-mal (protection of wealth) which can threaten the benefit and blessing of wealth. Therefore, this study recommends sharia-based education to help people choose the type of investment that is legal, and in accordance with Islamic principles.Pada masyarakat Indonesia saat ini, binary option muncul sebagai tren baru yang menarik perhatian publik, karena platform ini dianggap sebagai sarana cepat dalam meraih keuntungan. Namun, kurangnya pemahaman masyarakat terhadap konsep dan mekanisme perdagangan tersebut yang dipercaya lebih mengarah kepada tindakan perjudian. Hal ini dibuktikan oleh sistem transaksi binary option yang lebih mirip dengan permainan zero-sumgame, serta hasil keuntungan yang di peroleh semata-mata hanya berdasarkan prediksi naik dan turunnya suatu aset, tanpa harus memiliki aset yang diperdagangkan. Penelitian ini, hendak untuk menganalisis status binary option sebagai investasi yang sah atau justru termasuk judi yang diharamkan dalam perspektif maqashid syariah. Metode dalam penelitian ini menggunakan pendekatan kualitatif yang berasal dari data sekunder. Teknik pengumpulan data yang digunakan adalah studi pustaka (library research) dengan teknik analisis data adalah analisis isi (content analysis) dan induksi. Hasil temuan dari penelitian ini adalah trading binary option tidak memenuhi karakteristik investasi dalam Islam dan mengandung unsur maysir (spekulasi) dan gharar (ketidakpastian) yang secara eksplisit dilarang dalam Islam. Sehingga aktivitas ini dapat dikategorikan lebih mirip dengan perjudian. Dalam perspektif maqashid, dapat dikategorikan sebagai praktik-praktik yang bertentangan dengan prinsip hifz al-mal (perlindungan harta) yang dapat mengancam kemaslahatan dan keberkahan harta. Oleh karena itu, penelitian ini merekomendasikan edukasi berbasis syariah untuk membantu masyarakat dalam memilih jenis investasi yang sah, dan sesuai dengan prinsip Islam
BPRS Era Society 5.0: Strategi Digital Inklusif untuk Akselerasi Keuangan Hijau dan Inovatif Syariah di Indonesia
Full text linkDigital transformation has become an imperative for Islamic Rural Banks (BPRS) in responding to the challenges and opportunities of the Society 5.0 era, where technology and human values are seamlessly integrated. This study aims to identify inclusive digital strategies that BPRS can adopt to accelerate the development of green and innovative finance based on Sharia principles. Employing a qualitative approach through literature review, this research examines recent scholarly works, Sharia regulations, financial authority reports, and government policies related to digitalization and sustainable finance. The findings reveal that BPRS digitalization grounded in financial inclusion and maqashid shariah holds strategic potential in promoting green financing, empowering Muslim communities, and enhancing financial literacy. Nevertheless, structural challenges, such as limited digital infrastructure and regulations that are not yet fully adaptive, remain significant barriers. This study recommends strengthening cross-sector collaboration, developing digital products rooted in Islamic values, and formulating policies that foster Sharia-compliant financial innovation with an environmentally friendly orientation as strategic directions for the future.Transformasi digital menjadi keharusan bagi Bank Pembiayaan Rakyat Syariah (BPRS) dalam merespons tantangan dan peluang era Society 5.0, di mana teknologi dan nilai-nilai kemanusiaan saling terintegrasi. Penelitian ini bertujuan untuk mengidentifikasi strategi digital inklusif yang dapat diadopsi BPRS untuk mempercepat pengembangan keuangan hijau dan inovatif berbasis prinsip syariah. Menggunakan pendekatan kualitatif melalui studi kepustakaan, penelitian ini mengkaji literatur terbaru, regulasi syariah, laporan otoritas keuangan, serta kebijakan pemerintah terkait digitalisasi dan keuangan berkelanjutan. Hasil analisis menunjukkan bahwa digitalisasi BPRS yang berbasis inklusi dan maqashid syariah memiliki potensi strategis dalam mendukung pembiayaan hijau, pemberdayaan ekonomi umat, serta peningkatan literasi keuangan. Namun, tantangan struktural, seperti keterbatasan infrastruktur digital dan regulasi yang belum sepenuhnya adaptif, masih menjadi hambatan signifikan. Penelitian ini merekomendasikan penguatan kolaborasi lintas sektor, pengembangan produk digital berbasis nilai Islam, serta perumusan kebijakan yang mendorong inovasi keuangan syariah yang ramah lingkungan sebagai arah strategis ke depan
Dari Bantuan ke Kemandirian: Efektivitas Zakat Produktif dan Pendampingan dalam Meningkatkan Kesejahteraan Mustahiq
Full text linkThis study aims to analyze the influence of productive zakat utilization and mentoring on the welfare of mustahiq (zakat recipients) at the Baitul Mal of Bener Meriah Regency. Productive zakat is viewed as an important instrument for promoting the economic independence of recipients, while mentoring is expected to strengthen their managerial capacity and business sustainability. This research employs a quantitative descriptive approach with a population of 100 mustahiq and a sample of 50 respondents selected through a simple random sampling technique. Data were collected using questionnaires and analyzed through multiple linear regression with the assistance of SPSS version 18. The results show that productive zakat utilization has a positive and significant effect on the welfare of mustahiq (t-count 4.104 > t-table 2.014), whereas mentoring has no significant effect (t-count 1.136 < t-table 2.014). However, both variables simultaneously have a significant influence on mustahiq welfare (F-count 9.378 > F-table 2.802) with a coefficient of determination of 28.5%. These findings indicate that the effectiveness of productive zakat programs can be enhanced when accompanied by more intensive and continuous mentoring. The study provides practical implications for zakat management institutions to strengthen the mentoring aspect in their economic empowerment programs.Penelitian ini bertujuan menganalisis pengaruh pendayagunaan zakat produktif dan pendampingan terhadap kesejahteraan mustahiq pada Baitul Mal Kabupaten Bener Meriah. Zakat produktif dipandang sebagai instrumen penting untuk meningkatkan kemandirian ekonomi penerima zakat, sementara pendampingan berperan memperkuat kemampuan manajerial dan keberlanjutan usaha mereka. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan populasi 100 mustahiq dan sampel 50 orang yang ditentukan melalui teknik simple random sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi linear berganda dengan bantuan SPSS versi 18. Hasil penelitian menunjukkan bahwa pendayagunaan zakat produktif berpengaruh positif dan signifikan terhadap kesejahteraan mustahiq (t hitung 4,104 > t tabel 2,014), sedangkan variabel pendampingan tidak berpengaruh signifikan (t hitung 1,136 < t tabel 2,014). Namun secara simultan, kedua variabel tersebut bersama-sama berpengaruh signifikan terhadap kesejahteraan mustahiq (F hitung 9,378 > F tabel 2,802) dengan koefisien determinasi 28,5%. Temuan ini menunjukkan bahwa efektivitas zakat produktif dapat meningkat apabila diiringi dengan pendampingan yang lebih intensif dan berkelanjutan. Hasil penelitian diharapkan menjadi masukan bagi lembaga pengelola zakat untuk memperkuat aspek pembinaan dalam program pemberdayaan ekonomi mustahiq
The Role of Islamic Finance in Advancing Green Economic Development in Indonesia
Full text linkThis study examines the role of Islamic finance, specifically green sukuk, in promoting green economic development in Indonesia. As global attention shifts towards sustainable finance, Islamic financial instruments have shown potential for supporting environmentally friendly projects while adhering to Sharia principles. By analyzing Indonesia’s green sukuk issuances, this study explores how Islamic finance mechanisms can address climate change challenges and contribute to sustainable development goals. Primary data were collected through interviews with stakeholders, including government officials, finance professionals, and environmental experts. Findings reveal that green sukuk not only attract a diverse investor base, including those interested in ethical investment, but also significantly support projects in renewable energy and sustainable infrastructure. Despite these achievements, the study identifies regulatory hurdles and the need for standardized environmental impact assessments as challenges to expanding Islamic green finance. The study concludes by recommending increased regulatory support, public awareness campaigns, and collaboration among stakeholders to maximize the potential of Islamic finance in advancing Indonesia’s sustainable development. These insights contribute to a broader understanding of the role Islamic finance can play in achieving green economic growth
Challenges and Opportunities of Sharia Marketing in Indonesia: An Ethical and Cultural Perspective
Full text linkSharia marketing in Indonesia holds great potential due to the country's predominant Muslim population. Fundamental sharia principles such as the prohibitions on riba, gharar, and maysir form the foundation for developing marketing practices that align with Islamic teachings. However, the implementation of sharia marketing in Indonesia faces several challenges, including varied consumer understanding of the halal concept, cultural diversity, and competition from more affordable conventional products. Regulations and sanctions from the Indonesian Halal Product Assurance Agency (BPJPH) reinforce business compliance with halal standards, while digital technology provides opportunities for companies to expand consumer education and enhance product transparency. Collaborations with Muslim influencers and the use of social media have also proven effective in raising consumer awareness, especially among younger generations. This study aims to analyze the challenges and opportunities of sharia marketing in Indonesia from an ethical and cultural perspective, as well as identify marketing strategies that can enhance Muslim consumer trust and loyalty. The findings indicate that effective sharia marketing can strengthen the national economy by increasing the competitiveness of halal products, supporting MSMEs, and contributing to the sustainable growth of the halal industry
Persepsi Pelaku UMKM Kota Padang Terhadap Peer To Peer Finance Syariah
Full text linkFinancial teknologi (fintech) Peer to peer lending/ Finance syariah menjadikan salah satu yang dapat dimanfaatkan oleh pelaku UMKM dalam mendapatkan pembiayaan dan modal. Hal ini memberikan kemudahan kepada pelaku UMKM dalam persyaratan pinjaman dibandingkan perbankan syariah. Peer to peer lending yang sudah mendapatkan izin OJK sebanyak 98 platfom, sedangkan peer to peer finance syariah hanya 7 platform. Penelitian ini bertujuan untuk mengkaji lebih dalam persepsi pelaku UMKM terhadap peer to peer finance syariah. Untuk mencapai tujuan penelitian ini menggunakan metode penelitian kualitatif. Data UMKM terdapat pada 5 kecamatan di kota Padang, diantaranya kecamatan Koto tangah, Kuranji, Pauh, Nanggalo dan Padang Timur. Dari hasil penelitian menunjukkan bahwa persepesi pelaku UMKM bepersepsi positif dalam pandangan manfaat penggunaan P2P finance syariah, sosial dan regulasi, Sedangkan persepsi terhadap pengetahun persepsi masyarakat negatif karena ketidak pahaman prosedur dan transaksi yang dilakukan. Persepsi pelaku UMKM terhadap kepercayaan pada P2P finance syariah masih netral dan ragu-ragu hal ini disebabkan ketidak pahaman pelaku UMKM dan belum pernah menggunakannya
Dampak E-Commerce Tiktok Shop Terhadap Perilaku Konsumtif Mahasiswa Kalbar Berdasarkan Perspektif Ekonomi Islam
Full text linkIn the increasingly developing digital era, e-commerce has become a significant phenomenon in the world of commerce. One e-commerce platform that is increasingly popular is TikTok Shop, which offers various products to users through shopping features integrated into the TikTok application. This phenomenon also has an impact on the consumption behavior of students, who are a group that is active in using the platform. This type of research uses a quantitative approach by analyzing numerical data using statistical methods. The data collection technique is by distributing questionnaires to respondents (students) via Google Form with a Likert scale assessment. Population and Sample The population of this research is all students in West Kalimantan Province and a sample of 132 respondents. Variables This research uses seven research variables where the exogenous variables are lifestyle motives (MGH), motivational motives (MM), advertising and promotion motives (MIP), entertainment motives (MH), information motives (MI), and trust motives (MK). Meanwhile, the endogenous variable is consumer behavior (PK). The analysis data used uses the Partial Least Squares – Structural Equation Modeling (PLS-SEM) model. Based on the research results, entertainment motives (MH), advertising and promotion motives (MIP), motivational motives (MM) significantly influence consumer behavior (PK), however lifestyle motives (MGH), information motives (MI), trust motives (MK) do not have a significant influence on consumptive behavior (PK) in the impact of Tiktok shop e-commerce
Suitability of Crowdfunding in Islamic Social Finance from the Perspective of Maqasid Sharia
Full text linkThis study aims to analyze the suitability of the application of Islamic crowdfunding to Islamic social finance based on the perspective of sharia maqasid. Content analysis methods with deductive and inductive approaches are used to find practical relevance. The results of the study show that Islamic crowdfunding contributes significantly to the maintenance of religion by strengthening the practice of Islamic philanthropy that is more transparent and efficient. In terms of soul maintenance, this platform helps people in need in terms of health, education, and welfare. Islamic crowdfunding also supports the maintenance of reason by facilitating funding for Islamic-based education and innovation. From the perspective of child rearing, this mechanism plays a role in reducing economic and social disparities that can have an impact on family welfare. Finally, in the aspect of property preservation, Islamic crowdfunding ensures a more equitable distribution of wealth and increases the accessibility of funding for micro enterprises and social activities. These findings confirm that Islamic crowdfunding is not only in line with sharia maqasid, but also has the potential to become a more inclusive and sustainable social finance model