JIOSE: Journal of Indonesian Sharia Economics

Implementasi Kebijakan Sertifikasi Halal dan Implikasinya terhadap Keberlangsungan Usaha pada Restoran dan Cafe di Kota Singkawang

2025-09-30T13:36:58+07:00

Restaurants and cafes are one of the economic driving sectors in Singkawang City that supports the title of a tourist city. However, reality shows that there are still many practices of using halal labels without official legality by restaurant and café business actors. This study aims to understand the implementation of halal certification policies for restaurant and café business actors in Singkawang City, West Kalimantan, in the context of the implementation of halal certification obligations effective from October 18, 2024. This research is a field research using a descriptive qualitative approach. The results of the study show that the local government through the Ministry of Religion of Singkawang City has conducted socialization, mentoring, and education to restaurant and café business actors to obtain halal certification. However, challenges are still faced, such as the lack of understanding of business actors about the importance of halal certification and the practice of using halal labels without official certification. The complexity of procedures and the limitations of BPJPH human resources who do not have personnel in the regions are obstacles in itself, especially to be able to reach business actors as a whole in providing socialization and education about the importance of Halal Assurance. This study also reveals that halal certification has a positive impact on business sustainability, especially in increasing consumer loyalty and trust, increasing positive image, better business management system, and increasing business credibility.

Kebijakan Moneter dan Strategi Penanggulangan Kemiskinan dalam Kepemimpinan Umar bin Khattab

2025-09-30T13:37:27+07:00

The leadership of Umar ibn al-Khattab is undeniable as a statesman capable of formulating new regulations and revising those established during the time of the Prophet Muhammad and Abu Bakr. During his rule, poverty was significantly reduced through the application of sound economic principles. This study employs a library research method and descriptive analysis using books, journals, and papers related to the economic policies of Umar ibn al-Khattab. The research discusses monetary policies and poverty alleviation strategies during his reign. The monetary policy included the establishment of currency as an effort to stabilize the economy, while poverty alleviation strategies were carried out through strengthening the independence of the baitul mal (public treasury) and utilizing land to increase state revenue. The persistent issue of poverty, which remains difficult to overcome in modern economic systems, had already been a serious concern during Umar ibn al-Khattab’s leadership. The findings of this study indicate that the economic policies of his era remain relevant as references for addressing poverty through resource management and transparent, productive public financial governance.

Transformasi Strategi Marketing Syariah dalam Pengembangan Bisnis Perbankan Syariah Modern

2025-09-30T13:38:08+07:00

The background of this research stems from the need of Islamic banking to develop marketing strategies that are not only profit-oriented but also consistently uphold compliance with Sharia principles. This study employs a library research method with a qualitative approach, while data were collected through digital documentation from various related literatures. The findings indicate that Sharia marketing management in banking requires concrete analyses and steps, including goal setting, identification of characteristics, determination of concepts and foundations, understanding of the environment, strategy formulation, market segmentation, pricing strategies, promotional strategies, and efforts to enhance customer satisfaction in accordance with Sharia principles. The transformation of Sharia marketing strategies in Islamic banking in the modern era demands synergy between human resource competencies, accurate market segmentation, product innovation, and the utilization of digital technology based on Sharia principles. These strategies are not only oriented toward increasing profitability but also emphasize public benefit, sustainability, and social justice as the embodiment of maqāṣid al-sharīʿah. The findings affirm the importance of integrating Sharia values and digitalization into marketing management practices to strengthen the competitiveness and sustainability of Islamic banking in the modern era.

Pengaruh Financing to Deposit Ratio, Non-Performing Financing, dan Capital Adequacy Ratio terhadap Profitabilitas Bank Aceh Syariah

2025-09-30T13:38:59+07:00

This study aims to determine the effect of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) and Capital Adequecy Ratio (CAR) on Profitability proxied by the Return On Assets (ROA) ratio at Bank Aceh Syariah. This study uses quantitative methods with multiple linear regression analysis techniques. Data collection was carried out by accessing bank financial report data through the Bank Aceh Syariah website from the period 2020-2024. Data analysis in this study includes classical assumption test, multiple linear regression test, and hypothesis testing. The findings indicate that FDR and NPF have no effect on Profitability (ROA), while CAR is known to have a significant effect on ROA. Simultaneously, FDR, NPF, and CAR variables have a significant effect on ROA.

The Impact of Financial Literacy Levels on Investment Decisions for Children's Education Among Rural Housewives

2025-10-06T10:26:51+07:00

This study investigates the level of financial literacy of rural housewives and its impact on children's education investment decisions. A quantitative descriptive method was employed, utilizing Moderated Regression Analysis (MRA). The sampling technique used was non-probability sampling, specially a convenience sampling method, which involved distributing questionnaires. The results of this research indicate that housewives have a relatively high financial literacy level, with an average score of 56.79. Most housewives in the villages of Sambilawang and Kadilangu hold a high school and bachelor's degree. This level of financial literacy has a significant impact on children's education investment (11 %), while the rest are influenced by other variables but has a relatively low investment in children's education funds at 0.66. because of the income earned from the Rp. 1,000,000 to < 2,500,000 per month and the average job of these housewives. are the majority of the officers or employees. The Research subjects consisted of 53 housewives in the Sambilawang, Kadilangu village, Trangkil sub-district, Pati district. This study recommends a policy to increase financial literacy among rural housewives and optimize investment in children's education to create more sustainable economic conditions in rural communities

Strategi Penyaluran Zakat Produktif PT. BPRS Artha Mas Abadi dalam Meningkatkan Pendapatan UMKM di Kabupaten Pati

2025-09-30T13:40:44+07:00

This study aims to examine the strategy of productive zakat distribution by PT. BPRS Artha Mas Abadi in increasing the income of micro, small, and medium enterprises (MSMEs) in Pati Regency. The research method used a descriptive qualitative approach. Data were collected through interviews with BPRS, zakat collection partners, and MSME recipients. The study focused on the distribution mechanism, forms of collaboration, and the program's economic impact on beneficiaries. The results show that zakat distribution is carried out collaboratively, with 80% of the funds managed jointly by BPRS and zakat collection partners, and the remaining 20% managed independently by zakat collection partners. This strategy has proven effective in increasing income, as seen by one zakat recipient who experienced a 40% increase in income. In addition to financial improvements, the program also encourages business motivation and strengthens economic capacity. These findings imply that productive zakat is not merely a temporary aid, but rather a long-term economic empowerment instrument that can encourage the independence of MSMEs at the local level.

Investasi Emas Digital di Indonesia; Tinjauan Sistemik Maqashid Syariah

2025-09-30T13:41:18+07:00

This study aims to analyze the alignment of digital gold investment practices in Indonesia with Jasser Auda’s systemic Maqashid Shariah framework. It explores a conceptual shift from the classical five dharuriyyat (religion, life, intellect, lineage, and property) toward broader contemporary dimensions such as the Islamic civil society system (hifz an-nas), preservation of dignity (hifz al-‘ird), and sustainable human development. Using a descriptive qualitative approach that integrates normative and empirical analysis, the study finds that digital gold investment functions not only as a means of wealth preservation (hifzh al-mal) but also as a vehicle for advancing universal Islamic values, including economic justice, transparency, consumer protection, and community empowerment. While Sharia-compliant contracts particularly wakalah bil ujrah and murabahah commonly adhere to the principles of fiqh muamalah and support the realization of maqashid, persistent challenges include limited transparency in contract mechanisms, speculative risks arising from high price volatility, and wide bid-ask spreads that may introduce gharar. The study concludes by emphasizing the need for stronger collaboration between regulatory institutions such as OJK and DSN-MUI and enhanced public education to ensure that Islamic fintech develops in an inclusive, equitable, and ethically grounded manner, aligned with the Islamic imperatives of justice, sustainability, and communal prosperity.