JOURNAL ISLAMIC ECONOMICS AD DIWAN

Analisis Keberlanjutan dan Etika Bisnis Islam Terhadap Digital Marketing Perspektif Maqasid Syariah

Januariansyah Arfaizar — 2025-09-01

Digital marketing has become an effective and popular marketing method in today's technological era. As a promotional tool that relies on digital media, this strategy allows business operators to reach consumers more broadly, relevantly, and efficiently. However, a fundamental question arises: to what extent do these digital marketing practices align with the principles of maqashid shariah in Islamic economics. This paper aims to analyze the alignment of digital marketing strategies with maqashid sharia, which includes five main elements: preservation of religion (hifz ad-din), life (hifz an-nafs), intellect (hifz al-‘aql), lineage (hifz an-nasl), and property (hifz al-mal). (hifz al-mal). The research method used is a qualitative-descriptive approach with the maqashid syariah theory framework as the main foundation. The research results show that digital marketing can support maqashid syariah if conducted transparently, fairly, and responsibly. For example, the promotion of halal products not only encourages the preservation of religion but also ensures consumer safety. (hifz an-nafs). However, challenges such as data privacy and consumer exploitation require further regulation and innovation to ensure that marketing strategies remain ethical. This paper recommends the integration of Islamic values into digital marketing strategies, collaboration with sharia experts, and the development of sharia-compliant technology to create marketing practices aligned with the goals of Islamic economics. These findings are expected to provide theoretical and practical contributions to the development of sustainable Islamic businesses.

Analisis Pengaruh Penggunaan Marketplace Terhadap Peningkatan Penjualan UMKM Tinjauan Menggunakan Metode Systematic Literature Review

ANGGELLA Chandini — 2025-09-01

This research applies the Systematic Literature Review (SLR) method to analyze the impact of using the marketplace on increasing sales of Micro, Small and Medium Enterprises (MSMEs). This research collected two types of data, namely primary data and secondary data. References or reference materials were made through Garda Rujukan Digital (GARUDA). After going through the screening process, seven journals relevant to the research topic were found. Based on a review of nine articles published between 2019 and 2024, it was found that marketplace utilization plays an important role in expanding market reach, increasing product exposure, and simplifying the transaction process for customers. In addition, optimizing digital marketing strategies through marketplaces contributes to building customer loyalty and increasing the operational efficiency of MSMEs. These findings highlight the urgency of implementing effective strategies in utilizing and managing marketplaces to support sustainable business growth and strengthen MSME competitiveness in the digital era. Furthermore, this study identifies that aspects such as service quality, customer trust, and innovation in promotional strategies influence the success of MSMEs in utilizing the marketplace. The use of integrated social media and data analysis allows MSMEs to understand consumer behavior and develop more targeted marketing strategies. Although the marketplace offers various opportunities, there are still a number of obstacles such as the high level of competition, the cost of using the platform, and the limited digital literacy faced by some MSME players. Therefore, support is needed from various stakeholders, including the government, platform providers, and educational institutions, in the form of training, mentoring, and wider access to digital technology. Thus, MSMEs can optimize the use of marketplaces to achieve sustainable business growth and increase competitiveness in the global market.

Strategi Pemberdayaan Ekonomi Protektif Di Pondok Modern Darussalam Gontor Putri Kampus 8 Lampung

Zaimatu Aisyaturrohma Zaim — 2025-09-01

This study aims to provide an in-depth analysis of the protective economic empowerment strategy implemented at Pondok Modern Darussalam Gontor Putri Campus 8. The concept of protective economic empowerment does not merely focus on improving the economic welfare of female students (santriwati), teachers, and the surrounding community, but also functions as a safeguard to preserve the religious values and cultural traditions that are deeply rooted in the pesantren environment. Using a descriptive qualitative approach, this research gathers information through observation, interviews, and documentation of various ongoing economic programs. The main areas of focus include the development of pesantren cooperatives, the establishment of diverse micro-enterprise units, and the implementation of entrepreneurship training programs based on Islamic principles that aim to foster Islamic entrepreneurial character among students. The strategies are designed to encourage economic independence without compromising the religiosity that forms the core identity of the pesantren. The findings reveal that the implementation of protective economic empowerment strategies has significantly enhanced the pesantren’s capacity to build a sustainable and independent economic ecosystem. All economic activities are managed in accordance with sharia principles, such as interest-free financial management, the application of Islamic business ethics, transparency, and fairness in transactions. This approach not only strengthens the pesantren’s economic self-reliance but also serves as a practical example of integrating Islamic values with modern economic management. The results of this study indicate that protective economic empowerment can serve as a strategic model for pesantren-based economic development in Indonesia. Furthermore, this model may provide a valuable reference for building a sustainable, independent, and Islamic value-oriented economic system.

Dampak Implementasi Konsep Community-based Tourism Pada Wisata Outbound Pelita Desa Ciseeng

Filzah Delia Arfani — 2025-09-01

Community-based Tourism (CBT) is a tourism approach that places local communities as the main stakeholders in destination governance. This research aims to evaluate the impact of CBT implementation on the economic, ecological, and socio-cultural aspects at Wisata Outbound Pelita Desa Ciseeng and to review its relevance from the perspective of Islamic development. This study uses a qualitative approach with a case study method, involving direct observation, semi-structured interviews with 15 informants of tourism managers and local communities, and thematic data analysis. The research results show that the implementation of CBT has contributed to the diversification of the local economy, increased environmental awareness, and strengthened the community's cultural identity. However, along the way, there are challenges such as the lack of community capability in managing tourism, uneven economic distribution, the vulnerability of environmental conditions due to tourism activities, waste management that still needs improvement, etc. From the perspective of maqashid sharia, the sustainability of CBT can be viewed from the aspects of al-Mal (economic justice), al-Nafs (social welfare), and khilafah (environmental management). Therefore, an adaptive governance strategy based on multi-stakeholder collaboration is needed to ensure that CBT continues to contribute to the sustainable welfare of the community.

PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN CUSTOMER GEN Z PADA COFFE SHOP POINT COFFE BANDAR LAMPUNG

Satria Yuda Abdillah — 2025-09-01

This study aims to analyze the effect of service quality on customer satisfaction among Generation Z at one of the coffee shops in Bandar Lampung, namely Point Coffee. The background of this research is based on the growing trend of Generation Z’s interest in coffee shops as part of a modern lifestyle. The research employed a quantitative approach using a survey method. Data were collected through an online questionnaire distributed to 100 respondents who are Generation Z consumers that have used the services of Point Coffee Bandar Lampung. The sampling technique used was purposive sampling to ensure that respondents met the research criteria. The results of the analysis show that service quality has a positive and significant effect on customer satisfaction. This is evidenced by the t-count value of 9.560, which is greater than the t-table value of 1.984, and a significance level of 0.000, which is less than 0.05. Furthermore, the relationship between the variables is categorized as strong, with a correlation coefficient of 0.695. Service quality contributes 48.3% to customer satisfaction, while the remaining percentage is influenced by other factors not examined in this study. These findings provide important implications for coffee shop management in formulating effective service strategies to attract and retain Generation Z customers. Thus, improving service quality is a key strategy to enhance customer satisfaction in the increasingly competitive coffee shop industry

Persepsi Pedagang Pasar Tugu Terhadap Pembiayaan Usaha Pegadaian Syariah

gita kartika — 2025-09-01

Business financing in sharia pawnshops is one of the attractive solutions for business actors, especially Micro, Small and Medium Enterprises (MSMEs). With the underlying sharia principles, this service offers a fairer and more transparent alternative to conventional financing. This research aims to provide an understanding to prospective customers who will take business financing in Islamic pawnshops which can provide an understanding of the capital obtained from Islamic pawnshops that can be used for the sustainability of the traders' businesses, how traders in Tugu Market view and assess business financing offered by Islamic pawnshops. This research method uses a descriptive approach using qualitative methods because it allows researchers to explore information in depth about the understanding, experience, and unique perspectives of traders regarding financing in Islamic pawnshops. The results of the analysis show that there are some traders who still lack understanding about loans in Islamic pawnshops, especially in understanding the application process and the requirements needed. even so, the traders feel the benefits provided by Islamic pawnshops, namely by increasing the turnover of traders' businesses which has a positive effect on their businesses. The lack of a large number of respondents and also the fact that there are still few traders who know about the existence of financing in Islamic pawnshops are obstacles in this study that can be used as references for further research.

Membangun Masa Depan yang Berkelanjutan dengan Investasi Syariah

Yusril Mahendra — 2025-09-01

Islamic investment is a form of financial management that not only focuses on material gains but also upholds values of ethics, justice, and sustainability as guided by Islamic principles. These principles emphasize the prohibition of practices involving riba (usury), gharar (excessive uncertainty), and maisir (gambling), while promoting a more transparent, equitable, and socially beneficial financial system. This article aims to analyze how Islamic investment can serve as a strategic approach in building a sustainable future while balancing economic, social, and environmental interests. This study employs a qualitative approach using a literature review method by examining various scholarly sources, including journals, books, research reports, and other relevant documents. The findings reveal that Islamic investment not only contributes positively to economic growth but also supports environmental sustainability and enhances social welfare. For instance, Islamic financial instruments such as green sukuk have proven effective in financing environmentally friendly projects, while Sharia-based financing for micro, small, and medium enterprises (MSMEs) has played a vital role in promoting economic inclusiveness and reducing social inequality. Moreover, the concept of green investment aligned with Sharia principles emerges as a breakthrough in supporting the achievement of the Sustainable Development Goals (SDGs). Therefore, Islamic investment holds significant potential as an instrument for inclusive and just development. The conclusion of this study highlights that in order to optimize the role of Islamic investment in the future, there is a strong need for public education, continuous product innovation, and cross-sector collaboration involving governments, financial institutions, and business actors.

ANALISIS EFISIENSI OPERASIONAL LAYANAN M-BANGKING BANK MUAMALAT (STUDI KASUS PADA KCP ZA PAGAR ALAM)

Niken Adinda — 2025-09-01

This study aims to analyze operational efficiency at PT Bank Muamalat KCP ZA Pagar Alam through the implementation of mobile banking services as part of the digital transformation in Islamic banking. The paradigm shift in the modern banking sector requires financial institutions, including Islamic banks, to continuously innovate in delivering services that are efficient, fast, and in accordance with Sharia principles. Mobile banking emerges as a solution to these challenges by providing customers with convenient access to banking transactions without the limitations of time and space. This research adopts a qualitative approach, with data collected through in-depth interviews with management and staff, direct observation of operational activities, and a review of relevant internal documents. The findings reveal that the adoption of mobile banking has a significant positive impact on operational efficiency. Such efficiency is demonstrated through the reduction of manual transaction costs, increased staff productivity due to decreased administrative workloads, and improved service quality experienced by customers. Moreover, mobile banking extends the outreach of Islamic banking services, enhances customer satisfaction, and supports more effective resource management. Several key factors contribute to this efficiency, including the level of digital literacy among customers, the readiness and sophistication of technological infrastructure, strong managerial support, and the alignment of mobile banking systems with Sharia principles as the foundation of the bank’s operations. Based on these findings, this study recommends that the bank should intensify educational and socialization programs on mobile banking usage, particularly for segments of society with low digital literacy. Furthermore, continuous development of mobile banking features is essential not only to improve operational efficiency but also to strengthen the competitiveness of Islamic banks in the rapidly evolving digital banking industry.

Analisis Dana Kementrian Koperasi Dan UMKM Dalam Mengurangi Kemiskinan dan Penyerapan Tenaga Kerja Provinsi Banten

Yayah Rukayah — 2025-09-01

^{Empowerment of Cooperatives and MSMEs in a structured and sustainable manner is expected to be able to harmonize the structure of the regional economy, and play a major role in accelerating regional economic growth, reducing unemployment rates, reducing poverty rates, dynamizing the real sector, and improving the distribution of community income. This research is motivated by the increase in poverty rates in Banten caused by a lack of employment opportunities, as well as the lack of quality human resources, especially regarding the level of poverty and employment in Banten Province. This study aims to analyze the effect of revolving funds on poverty reduction and increasing employment. The analysis methods used include partial tests (t-test), simultaneous tests (F-test), and coefficient of determination tests (R²). The results of the study indicate that partially, revolving funds have a significant effect on poverty reduction with a calculated t value > t table (2.601 > 2.030) and on increasing employment with a calculated t value > t table (3.872 > 2.030). Simultaneously, the revolving fund significantly impacted both variables, with a calculated F value > F table (4.437 > 4.15). The coefficient of determination indicates that the revolving fund contributed 13% to poverty reduction and 78% to employment growth. These findings empirically demonstrate that the existence of a revolving fund can encourage MSME development, optimize regional budget realization, and serve as an effective financial intermediation instrument in strengthening the regional and national economy as a whole.}

IMPLEMENTASI FINTECH PADA LEMBAGA KEUANGAN SYARIAH DI KABUPATEN TEGAL DALAM MENINGKATKA KEUANGAN INKLUSIF

Mursekha — 2025-09-15

This study was conducted to determine how the implementation of financial technology (fintech) in Islamic financial institutions in increasing financial inclusion. The approach used in this study is a qualitative field research method. Data collection techniques in this study use data triangulation including documentation, interviews, and observations, data analysis used is by applying thematic analysis, which consists of three main stages, namely data reduction by selecting and organizing data based on main categories, data presentation. Based on field data, the results obtained that several LKS have developed Islamic mobile banking applications, digital payment systems, and online financing services based on Islamic contracts such as murabahah and ijarah, fintech has been proven to be able to increase public access to Islamic financial services, especially for unbanked and underbanked community groups. In its implementation, the Financial Institutions (LKS) in Tegal Regency stated that they adhere to Sharia principles through the supervision of the Sharia Supervisory Board (DPS). Challenges faced by LKS in implementing fintech include limited technological infrastructure in rural areas and low digital literacy among the public. Fintech implementation has had a positive impact on LKS performance, particularly in terms of increasing the number of customers, operational efficiency, and ease of service access. The active role of the DPS is also key to ensuring that the digital transformation remains within Sharia principles and has a broad impact on equitable financial inclusion.

PERAN MAHASISWA HUKUM EKONOMI SYARIAH DALAM PENGEMBANGAN KUALITAS UMKM PONDOK PESANTREN

Jamaludin — 2025-09-30

As a country with the largest Muslim population in the world, Indonesia has the potential to become the center of the world's halal industry. With the Muslim population reaching 85% of the total population, this could be a supporting factor for success. However, the reality is that until now the potential has not been realized. One of the areas with a large Muslim population in Indonesia is Banten Province. There are 4,579 Islamic boarding schools that can be collaborated with as facilitators of halal development. The aim of this research is to see the effectiveness of collaboration between students, Islamic boarding schools and MSMEs in order to increase the number of halal certifications in Banten. Research that collaborates with this service takes the form of providing training and education for the community, such as skills training, workshops or seminars regarding the halal certification registration process in the Islamic boarding school environment. The activity, which was accompanied by 4 HES students, resulted in 59 halal certificates. The certificate consists of food and drinks. Starting from tea, cilok, contemporary food and so on. The result of this activity is that the department needs to pay attention to continuing to socialize and educate so that students are active in these activities. Indirectly, this program also helps departments for student tracer studies which have an impact on department accreditation. Active collaboration from various parties is very necessary. So it has a positive impact on major students and MSME players

INVESTIGASI PERILAKU SHOPAHOLIC DALAM EKONOMI ISLAM

Meri Afrizal — 2025-09-30

Perilaku kosumtif Ibu rumah tangga (IRT) yang ada di Jambi dalam belanja pakaian dan asesoris lainnya secara online yang harga dan intensitasnya cukup tinggi menarik minat penulis meneliti bagaimana perilaku kosumtif, apa yag menjadi penyebab dan bagaimana pandangan ekonomi Syari’ah tentang perilaku yang sedemikian itu. menggunakan pendekatan kualitatif deskriptif dengan mengambil instrumen data dari beberapa IRT yang menjadi responden penulis dengan teknik wawancara. Dari hasil yang didapat bahwa perilaku konsumtif ibu –ibu rumah tangga disebabkan faktor pendapaatan ekonomi yang tinggi, menjaga image/gengsi, budaya yag tidak mau kalah dari orang lain, percaya terhadap kualitas barang-barang branded dan transaksi yang mudah. Dalam teori kosumsi Islam dilandasi dengan lima prinsip diantaranya adalah prinsip keadilan, prinsip kebersihan, prinsip kesederhanaan, prinsip kemurahan hati dan prinsip moralitas, hasil peneltian menunjukan diantara lima prinsip yang ada ekonomi Islam ada dua prinsip yang diabaikan dengan perilaku IRT rumah tangga di jambi yaitu prinsip kesederhanaan dan moral. ada kesan Tabzir. Begitupun juga dengan prinsip moral dengan menjaga image /gengsi rela membeli barang-barang yang mahal padahal masih ada tetangga dan warga Desa yang masih membutuhkan bantuan. Secara moril seharusnya mendahulukan yang membutuhkan bukan hanya kepuasaan

PENGARUH TERHADAP KEPUTUSAN PEMBELIAN PRODUK FAST MOVING CONSUMER GOODS UNILEVER

Viska Yundira — 2025-09-30

Unilever is facing reputation challenges due to its association with conflict countries and its involvement in environmental pollution. This has led to a decrease in consumer interest. In order to address these issues and develop effective marketing strategies, a study was conducted using a quantitative approach, focusing on green marketing and Islamic advertising. The research included 68 respondents who completed questionnaires using Likert scales. The results, analyzed using the SPSS program, showed that both green marketing and Islamic advertising have a significant and positive impact on purchasing decisions, both individually and together. The study found that 60.6% of purchasing decisions can be attributed to green marketing and Islamic advertising, while the remaining 39.4% is influenced by other factors not examined in this research. Furthermore, Islamic advertising was identified as the most influential variable on purchasing decisions for Unilever's fast-moving consumer goods products in the Bogor Regency

PENGEMBANGAN PARIWISATA HALAL DI JALUR LINTAS SELATAN TULUNGAGUNG

Siti Masruroh — 2025-09-30

This research analyze potential of sustainable tourism development and religious moderation as a strategy to create halal tourism. In this study, halal tourism focuses not only on providing services that comply with sharia principles, but also on strengthening interfaith harmony that can support the sustainability of the tourism industry. This research highlights the importance of a moderate understanding of religious teachings that can encourage harmonious social interactions so as to create an environment conducive to the development of halal tourism destinations. By utilising local potential and involving the community in the management of tourism resources, it is expected to improve the economic welfare of the community while maintaining spiritual and cultural values. This research also explores the challenges faced in the implementation of halal tourism, such as the lack of facilities that support the needs of Muslim tourists. Thus, the development of halal tourism in the Tulungagung Southern Crossing is expected to be a model for other regions in combining economic sustainability with religious values, thus creating a tourist destination that is not only naturally attractive but also socially and spiritually meaningful

KEBIJAKAN MONETER SEBAGAI PENGENDALI INFLASI DAN NILAI TUKAR

Heri Budi Harsono — 2025-09-30

The central bank plays a crucial role in the economy through the implementation of monetary policy to maintain inflation and exchange rate stability. As an inflation controller, the central bank uses instruments such as interest rates, open market operations, and mandatory reserve settings to control the money supply and adjust aggregate demand. Tight monetary policy is applied to suppress inflation, while expansionary policies are carried out in weak economic conditions to promote growth. On the other hand, in maintaining exchange rate stability, the central bank can intervene in the foreign exchange market to reduce currency volatility and maintain economic competitiveness. With price and exchange rate stability maintained, the economy can grow sustainably and avoid uncertainty. The role of the central bank becomes increasingly important in the face of complex global and domestic dynamics, and requires good coordination with fiscal policy to achieve optimal macroeconomic objectives. The economic development of a country, including in Indonesia, is certainly inseparable from the monetary and fiscal policies pursued by each country concerned. But the monetary and fiscal policies pursued vary by country depending on the real economic conditions, direction, and development goals to be achieved. Monetary and fiscal policy management in principle aims to maintain the inflation rate by regulating the circulation of money and interest rates that tend to increase in society. Bank Indonesia is an independent institution that has the task of determining and implementing monetary policy so that the value of the rupiah remains stable and the inflation rate can be controlled in order to maintain and increase Indonesia's economic growth.

Keywords: monetary, inflation, central bank

PERSEPSI PEDAGANG PASAR TUGU TERHADAP PEMBIAYAAN USAHA PEGADAIAN SYARIAH

Gita Kartika — 2025-09-30

PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN CUSTOMER GEN Z PADA COFFE SHOP POINT COFFE BANDAR LAMPUNG

Satria Yuda Abdillah — 2025-09-30

This study aims to analyze the effect of service quality on Generation Z customer satisfaction at Point Coffee in Bandar Lampung. The research employs a quantitative method with data collection through online questionnaires distributed to 100 respondents, targeting Generation Z population who have experienced Point Coffee services, using purposive sampling technique. The findings indicate that service quality has a positive and significant impact on Point Coffee customer satisfaction, as evidenced by t-count value of 9.560 > t-table 1.984 and significance of 0.000 < 0.05. The relationship between variables is classified as strong with a correlation coefficient of 0.695, where service quality contributes 48.3% to customer satisfaction. This research provides important implications for developing coffee shop service strategies in addressing Generation Z consumer preferences

IMPLEMENTASI SIFAT QANA'AH DAN KAITANNYA DENGAN PERILAKU KONSUMTIF MAHASISWA

Muhamad Sihabudin Ilham — 2025-09-30

Perilaku konsumtif tidak dapat dipisahkan dari pengaruh aspek keagamaan. Istilah perilaku konsumtif menggambarkan kecenderungan seseorang untuk membeli barang dan jasa yang terkadang tidak benar-benar diperlukan. Dalam menghadapi situasi semacam ini, penting kiranya untuk menginternalisasi sikap qana’ah dalam kehidupan sehari-hari. Qana’ah mengajarkan kita untuk menerima dengan lapang dada apa yang ada di sekitar kita. Penelitian ini bertujuan untuk memahami hubungan antara implementasi sifat qana'ah dengan perilaku konsumtif pada mahasiswa Pendidikan Agama Islam di UIKA Bogor. Penelitian ini menggunakan metode kuantitatif dengan pendekatan korelasional. Jumlah sampel yang diambil dalam penelitian ini adalah sebanyak 202 orang, yang ditentukan melalui teknik probability sampling, yakni simple random sampling. Skala yang digunakan meliputi skala perilaku konsumtif dan skala qana'ah. Hasil analisis memperlihatkan nilai r sebesar -0.404 dengan tingkat signifikansi 0.000, yang berarti hipotesis dapat diterima. Kesimpulannya, terdapat hubungan negatif antara qana'ah dan perilaku konsumtif di kalangan mahasiswa PAI UIKA Bogor. Temuan ini memberikan kontribusi signifikan dalam usaha membangun karakter mahasiswa melalui penguatan nilai-nilai keislaman yang dapat diterapkan dalam kehidupan sehari-hari