Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam
Journal title Revenue: Jurnal Ekonomi Pembangunan dan Ekonomi Islam Initials JR Abbreviations Revenue JEPEI Frequency 2 edisi per tahun (Mei dan Desember) DOI 10.56998/jr ISSN Online 2620-7826 ISSN Print 2963-0215 Publisher Sekolah Tinggi Ilmu Ekonomi Bakti Bangsa Citation Analysis Google Cendekia, Garuda, Dimensions REVENUE: Jurnal Ekonomi Pembangunan dan Ekonomi Islam merupakan jurnal ilmiah yang diterbitkan dua kali dalam setahun oleh Sekolah Tinggi Ilmu Ekonomi Bakti Bangsa Pamekasan, yaitu pada bulan Mei dan Bulan Desember. Jurnal ini merupakan media untuk mensosialisasikan ide dan argumentasi dari sejumlah kajian konseptual dan penelitian empiris yang mengkaji masalah ekonomi pembangunan, ekonomi islam, dan bidang ekonomi lainnya. REVENUE : Jurnal Ekonomi Pembangunan dan Ekonomi Islam tidak hanya berkonsentrasi pada wacana dan hasil penelitian pihak internal kampus, mem`ungkinkan “orang luar” STIE Bakti Bangsa Pamekasan juga bisa mengomunikasikan pikiran-pikirannya dalam jurnal ini. Dengan demikian, jurnal ini sepertinya layak mendapatkan credit point jika jangkauannya dapat mewadahi beragam pemikiran dari para penulis di berbagai tempat. Templat Jurnal bisa di unduh disini: Revenue Template
Sekolah Tinggi Ilmu Ekonomi Bakti Bangsa
FRUGAL LIVING: STRATEGI ADAPTASI KEUANGAN RUMAH TANGGA DI ERA KETIDAKPASTIAN EKONOMI
Global economic uncertainty threatens the financial stability of Indonesian households. This study identifies frugal living practices, supporting and inhibiting factors, and formulates a financial adaptation strategy model. A literature review with a narrative review approach examines journal articles from 2022–2026. Findings show frugal living practices include strict budgeting, smart shopping, reducing fixed costs, and repair culture. Supporting factors are financial literacy, gratitude, local cultural values, and digital communities. Inhibiting factors include materialism, social prestige, consumptive debt, and misinterpretation as stinginess. The adaptation strategy integrates religiosity, wise use of fintech, strengthening family character, income diversification, social safety nets, and continuous education. Frugal living is a holistic strategy for household financial resilience amid economic uncertainty.
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INTEGRASI ATRIBUT PRODUK DAN DAYA TARIK BRAND AMBASSADOR DALAM MEMBENTUK LOYALITAS PELANGGAN PRODUK K-FOOD
This study examines the effects of brand ambassadors, brand image, and taste on customer loyalty for Mie Sedaap Selection Korean Spicy Chicken in Jombang Regency, with purchasing decisions as a mediating variable. Using a quantitative approach and SEM-PLS analysis, questionnaires were distributed to 150 consumers. The results show brand ambassadors positively and significantly affect both loyalty and purchasing decisions. Brand image has a positive but insignificant impact. Taste significantly affects purchasing decisions but not loyalty directly. Purchasing decisions are key to driving loyalty and mediate the effect of taste, but not brand ambassadors or brand image. The study concludes customer loyalty is more influenced by satisfying purchase and consumption experiences than by brand image. Practically, maintaining taste consistency, encouraging repeat purchases, and using promotional figures are crucial in a competitive market.
INOVASI PENDAYAGUNAAN ZAKAT PRODUKTIF DALAM PEMBERDAYAAN MUSTAHIK: ANALISIS TEORI DIFUSI INOVASI EVERETT M. ROGERS DAN PERSPEKTIF EKONOMI ISLAM M. UMER CHAPRA
This study aims to analyze innovation in the productive utilization of zakat for mustahik empowerment through Everett M. Rogers’ diffusion of innovations theory and M. Umer Chapra’s perspective on Islamic economics. This research uses library research with a descriptive qualitative approach by examining books, scholarly articles, journals, and relevant academic documents. The findings show that productive zakat is a socio-economic innovation because it shifts zakat distribution from consumptive assistance to productive empowerment that emphasizes business capital, mentoring, skill development, and the economic independence of mustahik. In Rogers’ theory, the adoption process of productive zakat can be understood through the categories of innovators, early adopters, early majority, late majority, and laggards. In addition, successful adoption is influenced by relative advantage, compatibility, complexity, trialability, and observability. Chapra’s perspective affirms that productive zakat is in line with the objectives of Islamic economics because it supports social justice, equitable welfare, falah, and hayat tayyibah. Therefore, productive zakat should be managed innovatively, systematically, and sustainably to improve the material and spiritual welfare of mustahik.
IMPLEMENTASI QRIS PADA WARUNG MADURA DI KABUPATEN SUMENEP: ANALISIS KESESUAIAN DENGAN PRINSIP TRANSAKSI SYARIAH
This study aims to document the implementation of QRIS in Madurese stalls in Sumenep City and analyze its compatibility with four Islamic transaction principles: clarity (free from gharar), free from usury (riba), justice ('adalah), and trustworthiness (amanah). The research employs a qualitative approach with a single instrumental case study design. Data collection was conducted through participatory observation for six weeks (March 5 - April 15, 2026), in-depth interviews with the stall owner, customers, and a LinkAja manager, as well as transaction documentation at Warung Berkah Madura, Kolor Village, Kota District, Sumenep Regency. The results showed that out of 482 observed QRIS transactions, technical obstacles occurred in 33 transactions (6.8%), including interrupted internet signals, delayed fund transfers, and funds that never arrived. The Sharia compliance analysis revealed that the principles of being free from usury and clarity of payment nominal were fulfilled. However, the principles of clarity of transaction completion time, justice (the right to reject transactions during system errors and compensation mechanisms), and trustworthiness (personal data protection) were not fulfilled. This study recommends that QRIS service providers revise their policies regarding compensation mechanisms and data transparency, and that DSN-MUI issue additional fatwas more specifically regulating the rights of micro-merchants.
PENGEMBANGAN PILAR KEBERLANJUTAN DALAM MENENTUKAN INDEKS PRIORITAS PEMBANGUNAN EKONOMI PARIWISATA: ANALISIS MDS RAPFISH PADA EKOWISATA MANGROVE LEMBUNG, PAMEKASAN
This study aims to develop sustainability pillars into five dimensions in determining the priority index of tourism economic development. A quantitative approach was employed using primary data collected from expert respondents, including academics, regulators, and practitioners. Data were analyzed using the Multidimensional Scaling (MDS) method with the Rapfish approach. The results show that the environmental (54.55) and institutional (62.72) aspects are categorized as moderately sustainable, while the economic (48.35), social (45.08), and infrastructure (39.35) aspects are classified as less sustainable. These findings indicate that tourism sustainability is influenced by sensitive attributes, particularly tourism market potential, community participation, freshwater availability, infrastructure conditions, and institutional governance. This study contributes to the development of the sustainability framework by expanding it from three to five dimensions, providing a basis for determining policy priorities in sustainable tourism economic development.
INTEGRATION OF BLOCKCHAIN TECHNOLOGY IN THE DEVELOPMENT OF ISLAMIC FINANCIAL SYSTEMS
This study aims to analyze the potential of integrating blockchain technology into the development of Islamic financial systems. The research method used a qualitative approach through library research with descriptive-analytical analysis. The results of indicate that blockchain technology can enhance transparency, accountability, and trust in Islamic financial transactions. Furthermore, the use of smart contracts allows transactions to be executed automatically without intermediaries, thereby reducing operational costs and improving system efficiency. The implementation of blockchain is also considered capable of supporting Islamic principles such as fairness, openness, and integrity in financial activities. However, the application of this technology still faces several challenges, such as regulations issues, technological infrastructure readiness, and the level of digital literacy among the public. Therefore, collaboration between financial institutions, regulators, and technology developers is required to optimize the implementation of blockchain in Islamic financial systems in the future.
DINAR-DIRHAM SEBAGAI ETIKA MONETER: IMPLIKASI AL-QUR’AN BAGI KEADILAN FINANSIAL DI ERA DIGITAL
The modern global monetary system based on fiat currency has generated significant structural problems, particularly for developing nations and most Muslim-majority countries. Fiat money, which lacks intrinsic value, creates exchange-rate volatility, chronic inflation, and deep dependence on the United States dollar. This study examines these issues through the lens of Qur’anic interpretation, focusing on the references to dinar and dirham as monetary instruments rooted in precious metals. An analysis of relevant Qur’anic verses, especially Surah Al-Imran (3:75) and At-Taubah (9:34), demonstrates the theological legitimacy of gold and silver as stable, just, and non-manipulable measures of value. The research also presents empirical evidence from Indonesia, Egypt, Turkey, Lebanon, Pakistan, Libya, and Saudi Arabia, all of which have experienced major monetary crises over the past century, including hyperinflation, banking collapses, and severe loss of purchasing power under fiat systems. Conversely, gold and silver have maintained long-term stability without structural depreciation. The findings highlight the urgent need to reconstruct Islamic monetary thought and reaffirm the relevance of restoring the dinar and dirham as the foundation of a fair, stable, and sustainable economic system for Muslim nations in the modern era
PRINSIP KEMANDIRIAN EKONOMI PERSPEKTIF RASULULLAH
Rasulullah is a leader of the ummah throughout the world, where he is a role model in worship, social interaction with others or in doing charity, because everything that originates from Rasulullah is sunnah in accordance with what was conveyed by hadith scholars, which means "everything that is attributed to the Prophet Muhammad SAW is sunnah, whether in the form of words, deeds, taqrir (rule of law), khuluqiyyah (personality) and khalqiyyah (physical) of him. Because something that comes from the Messenger of Allah is essentially from Allah, which in this case is emphasized which means "And he did not speak from his desires, but rather a revelation that was revealed." One of the things that is no less important to study is his principle of economic independence in living his life, so that we can take intifa' (benefits) from him, to use as a principle in living this life and which is no less important so that we always follow the sunnah in aspects of our life.
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THE EFFECT OF MODERN RETAIL EXISTENCE, WORKING HOURS AND WORKING CAPITAL ON INCREASING LOCAL TRADERS' INCOME IN THE OMBEN SAMPANG TRADITIONAL MARKET
The retail business in Indonesia is increasingly attractive leading to fierce competition. Within a very shrt time, retailers, whit their capital, have been able to expand, establishing mnimarketts, supermarkets, and hypermarkets scattered thariety of products they offer. roughout Indonesia their presence is welcomed by the public due to he convenience, completeness, security, ease of use, and and variety of products they offer. However, this has negative consequences for traditional small retaillers, who are insreasingly being marginalized due to several fators sch as limited capital, simple management, and minima proection. They are becoming victims of economic liberalism. Operating hours can attract consumers, thus increasing revenue. Furthermore, capital is also a key driver in running a business. This research isn an ex-post-facto quantitative study using multiple linier regreassion analysis. A sample of 40 traditional retail stores in Omben Market was taken. Based on the results obtained, the presence of modern retail has a positive and significant effect on revenue, while working hours have a positive and significant effect on revenue. Working capital has a positive and significant effect on revenue. All three variables simultaneously affect revenue.
SMART CONTRACT BERBASIS BLOCKCHAIN DALAM KEUANGAN SYARIAH: PELUANG, TANTANGAN, DAN ISU KEPATUHAN SYARIAH
The development of blockchain technology has opened significant opportunities for transforming Islamic financial services, particularly through the implementation of smart contracts as automated, secure, transparent, and efficient transactional tools. This article analyzes the potential application of blockchain-based smart contracts within the Islamic finance sector by examining emerging opportunities, challenges, and Sharia compliance issues. Using a qualitative method grounded in literature analysis, this study explores how blockchain characteristics—such as decentralization, immutability, and trustless mechanisms—can support Sharia principles, including the prohibition of riba, gharar, and maysir. The findings indicate that smart contracts enhance trust and transactional efficiency, yet still face obstacles such as immature regulatory frameworks, limited digital Sharia standardization, and technical risks within blockchain code and protocols. The discussion highlights the necessity for collaboration between scholars and technology experts to formulate fiqh guidelines suited for the digital era. Thus, this article provides insights into the future development of Sharia-compliant smart contracts as a foundation for a more adaptive and innovative Islamic financial ecosystem.
PERBANDINGAN MODEL KELEMBAGAAN EKONOMI ISLAM DI UNI EMIRAT ARAB DAN INGGRIS: ANALISIS STATE-DRIVEN DAN MARKET-DRIVEN
The development of the global Islamic economy in the 2020–2025 period shows significant strengthening in institutional aspects, which form the foundation of the Islamic financial system. The United Arab Emirates (UAE) and the United Kingdom are two countries with different institutional approaches, but both play a strategic role in the global Islamic economic architecture. This study aims to analyze the institutional dynamics of the Islamic economy in both countries by emphasizing the aspects of institutional model implementation, strategic challenges, and institutional reflections based on the latest literature review. The research method uses a qualitative-descriptive approach through a literature study of regulatory reports, scientific publications, and international documents for the period 2020–2025. The results show that the UAE has adopted a state-driven institutional model through centralized regulatory coordination and harmonization of Sharia standards, while the UK has implemented a market-driven model with regulatory flexibility and innovation in Sharia financial products. Institutional reflections show that institutional effectiveness depends on the quality of regulation, the readiness of digital infrastructure, and the ability to adapt to global market dynamics.
THE INFLUENCE OF DIGITAL-BASED LEARNING ON STUDENTS' ENTREPRENEURIAL INTERESTS
The development of digital technology has changed the learning paradigm and opened up new opportunities in the world of entrepreneurship, especially among university students. Digital learning functions to deliver learning materials and as a platform to develop creativity, collaboration, and technology-based business innovation. In the context of higher education, particularly at ITB Vinus Bogor, the transformation of learning to a digital system is a crucial step in shaping student character that is adaptive to global economic changes. This phenomenon serves as an important basis for research to understand the extent to which the implementation of digital learning can influence students' entrepreneurial interest on campus. This research aims to analyze the influence of digital learning on students' entrepreneurial aspirations. This research employed an associative survey method, involving 38 active student respondents. The results were collected using a questionnaire, which was then tested for validity and reliability. The study demonstrated that most of the items were valid and therefore suitable for use. Data analysis demonstrated that digital learning significantly contributes to students' entrepreneurial aspirations. The research concluded that the greater the students' involvement in digital learning, the stronger their drive for creative and innovative entrepreneurship. Technology-based learning fosters self-confidence, adaptability, and a sustainable entrepreneurial orientation. These findings provide an important foundation for developing digital entrepreneurship learning models in higher education.
ANALISIS PENERAPAN PRINSIP SYARIAH PADA HOTEL PEKALONGAN
The analysis of sharia compliance implementation at Pekalongan Sharia Hotel focuses on examining the consistency of halal tourism practices in Indonesia. This study employs a descriptive qualitative method with an Islamic law approach and literature review. Findings indicate that the hotel has applied several sharia principles, such as providing halal food, prayer facilities, and prohibiting alcohol and entertainment contrary to Islamic values. However, a controversy arose when guests were charged additional fees without clear prior information, raising concerns about transparency, fairness, and potential elements of gharar. This situation reveals a gap between the ideal concept of a sharia hotel and its actual practices. Strengthening governance, ensuring transparency, and adhering to maqashid sharia are therefore essential for sharia hotels to truly provide benefits and gain public trust.
HALAL AWARENESS DALAM MODEST WEAR : STUDI KRITIS TERHADAP FENOMENA THRIFTING DIKALANGAN MUSLIM
The Muslim fashion movement in Indonesia shows significant dynamics, especially with the emergence of the idea of halal fashion and the increasing popularity of saving among Muslims. The purpose of this research is to examine halal awareness in the context of modest clothing and the problems encountered in the practice of buying and selling used clothing (thrifting). Perceptions, experiences, and meanings of the phenomenon were explored through a qualitative critical study method. The results of the study indicate that although thrifting offers cost-effective and environmentally friendly clothing options, there are several issues related to halal, such as product origin, the possibility of products becoming impure, and transaction transparency. To make thrifting a lifestyle that aligns with Sharia principles while also being a modern trend, education, certification, and strict oversight are needed to address the low level of halal awareness among the public. This research enhances our understanding of how religious values and fashion trends are integrated into the lives of modern Muslims.
STRATEGI KEMAJUAN TIGA PILAR TERHADAP EKONOMI ISLAM PERSPEKTIF MAQASHID ASY-SYARIAH
Islam views economic activities as one of the important elements in efforts to create the welfare of the people, maintain economic sustainability, and uphold justice. This view is in line with Maqashid Ash-Sharia, which directs every economic activity not only to meet material needs but also to achieve spiritual happiness. The balance between worldly and ukhrawi interests is the core of the implementation of Islamic economics, so supervision and commitment are needed to implement economic practices that are in line with sharia principles as a whole. For this reason, it is necessary to have a three-pillar progress strategy, namely, justice, welfare, and sustainability. These three aspects are then reflected in the principles of Maqashid Asy Syariah which includes five aspects, namely, maintaining religion, maintaining intellect, maintaining nasab, safeguarding property, and maintaining the soul, and there are three aspects that are perfect, namely Dhururiyat (main aspect), Hajjiyat (secondary aspect), and Tahsiniyat (tertiary aspect). This study uses a qualitative approach methodology with a literature study method because it can provide a deep understanding of complex issues through data analysis from various literature sources, both primary and secondary.
ANALISIS IMPLEMENTASI AKAD MUDHARABAH DALAM LEMBAGA KEUANGAN SYARIAH (STUDI KASUS BPRS AL MADINAH TASIKMALAYA)
This study aims to analyze the implementation of the mudharabah contract in the operations of BPRS Al Madinah Tasikmalaya. The methods used include collecting secondary data from documents, articles, and online sources related to the mudharabah contract, as well as primary data through direct interviews with the BPRS, especially the financing and contract implementation departments. The results of the study indicate that BPRS Al-Madinah has implemented the mudharabah contract in savings products such as Kotaku Savings, Simadu Savings, and Mudharabah Deposits which are based on the principle of profit sharing. Before the contract is carried out, the bank conveys the concept of mudharabah and agrees on the profit sharing ratio with prospective customers in a transparent manner. BPRS acts as a strategic business partner that not only collects and distributes funds, but also upholds sharia values, justice, and common good. The relationship between the bank and customers is built on the basis of mutually beneficial cooperation, different from the creditor-debtor pattern in conventional banks, thus contributing to the strengthening of the sharia economy in a sustainable manner.
DESAIN KOPERASI DESA MASA DEPAN SEBAGAI ALTERNATIF STRATEGIS UNTUK TRANSFORMASI EKONOMI DESA BERKELANJUTAN
The sustainable transformation of rural economies requires innovative and adaptive institutional models. Village cooperatives, as community-based entities, hold strategic potential to drive inclusive economic growth while simultaneously maintaining ecological and social sustainability. This study aims to design a future-oriented model of village cooperatives capable of serving as a viable alternative in addressing the challenges of globalization, digitalization, and economic inequality. The research adopts a qualitative approach, employing literature review, best practice analysis, and stakeholder participation through Focus Group Discussions (FGDs). The findings indicate that future village cooperatives must integrate circular economy principles, leverage digital technologies, and strengthen collaborative networks with both local and global stakeholders. The proposed model emphasizes inclusive governance based on local potentials, empowerment of village UMKM and environmentally friendly approaches. It is expected that this cooperative design can serve as both a policy and practical framework for governments and rural communities in realizing sustainable economic transformation.
IMPLEMENTASI AKAD MUDHARABAH PADA USAHA TERNAK SAPI DI DUSUN SEMAH DESA BATU AMPAR KECAMATAN GULUK-GULUK KABUPATEN SUMENEP
In Islam there are many types of muamalah, one of which we often use in business activities is the practice of profit sharing based on cooperation and in it there is a mudharabah profit sharing agreement or plan. Mudharabah is a form of partnership between capital owners where capital is given to capital managers with a contract agreement and the profits will be mutually agreed upon by both parties. The formulation of the problem in the study is How is the implementation of the mudharabah contract in the cattle farming business in Semah Hamlet, Baruampar Village, Guluk-guluk District, Sumenep Regency? Is the implementation of the mudharabah contract in the cattle farming business in Semah Hamlet, Baruampar Village, Guluk-guluk District, Sumenep Regency in accordance with sharia principles? The purpose of this study is to determine how the implementation of the mudharabah contract (profit sharing) in the cattle farming business and to determine whether the practice of profit sharing is in accordance with Islamic law. The research method used is descriptive qualitative which aims to explain a phenomenon in depth and is carried out by collecting data as deeply as possible with data collection techniques, namely observation, interviews and documentation. Qualitative research is research that intends to understand the phenomena experienced by research subjects such as behavior, motivation, actions and so on, by describing them in the form of words and language, in a specific context and by utilizing various scientific methods. The results of this study are practices that continue to uphold and maintain cooperation with agreements between owners and managers of capital, this can also be seen in the practice of profit sharing based on the mudharabah contract, namely the mudharabah muthlaqah contract where the people of Semah Hamlet, Batuampar Village have used the agreement for generations and they believe that the profit sharing they apply is appropriate and does not violate the rules in Islam. The distribution of the results of their efforts has been determined and agreed upon. And the method of distribution is the capital provided in the form of cattle, then the profits obtained are divided by agreement with the child of the animal or it can also be in the form of money from the sale of the cattle.
ANALISIS KESESUAIAN SISTEM PENGANGGARAN BERBASIS KINERJA DENGAN MAQASHID SYARIAH DALAM PEMBANGUNAN DAERAH
This study analyzes the compatibility of performance-based budgeting with the principles of maqashid shariah in regional development. This research employs a qualitative approach with the library research method to examine various relevant literatures, including regional budget policies and the principles of maqashid shariah. The findings indicate that performance-based budgeting aligns with maqashid shariah in terms of justice, efficiency, and transparency. However, challenges remain in optimizing budget distribution to be more equitable and in accordance with Islamic principles. The implications of this study are expected to provide insights for policymakers in designing budget strategies that better align with Islamic values, ultimately enhancing community welfare and sustainable regional development.
ANALISIS KINERJA PEMERINTAH MELALUI MANAJEMEN PELAYANAN PUBLIK TERHADAP MASYARAKAT DI SUMATERA SELATAN
Public service is one of the main indicators of the success of a community-oriented government. This study discusses the evaluation and supervision of public services in South Sumatra Province, focusing on the role of the Indonesian Ombudsman in assessing the compliance of local governments with service standards. The evaluation results serve as the basis for improving service delivery and promoting a more transparent and accountable bureaucratic reform. Effective supervision has been shown to enhance service quality and build public trust in government institutions. Through an evaluative approach, local governments can identify weaknesses and develop continuous improvement strategies. Therefore, the evaluation and supervision of public services are not merely administrative routines but are integral to good and sustainable governance.
THE INFLUENCE OF FINANCIAL DEVELOPMENT AND EDUCATION WOMEN'S EMPOWERMENT: EMPIRICAL EVIDENCE FROM G20 MEMBER COUNTRIES
Women's empowerment is one of the sustainable development goals that has become a global agreement that is still being fought to realize it. The purpose of this study is to examine and analyze in depth the relationship between the level of education and financial development at the macro level in G20 member countries based on the cluster of religious groups adhered to. This study uses a quantitative approach to panel data regression analysis model, the data used in the form of secondary data obtained from World Development Indicators (WDI) and Global Financial Development (GFD). Data collection using perposive sampling techniques, then the data is processed and analyzed with the help of the Eviews 10 statistical application. The results showed two findings that, first, all indicators measuring financial development and women's education levels had a significant effect on women's empowerment, in the cluster of non-Muslim G20 member countries. Second, domestic credit in the private sector and bank asset capital have a significant positive effect while non-bank financial institution assets have a significant negative effect on the empowerment of women in Muslim cluster countries as well as women's education level which has a significant negative effect. Thus, G20 member countries with a majority of non-Muslim populations provide more space for women's empowerment supported by the female population level and the development of the financial sector. However, this is not the case with G20 member Muslim countries.
MITIGASI RESIKO SUKUK GAGAL BAYAR DALAM PERPEKTIF EKONOMI SYARIAH
Industri keuangan syariah telah berkembang pesat di pasar keuangan global hingga tahun 2015 ketika mengalami perlambatan pada tahun 2016 dengan perkiraan nilai USD 1,89 triliun. Wanprestasi sukuk harus dapat diatasi atau dihindari, sehingga melalui makalah ini kami ingin mengungkapkan risiko yang dapat timbul dari sukuk dan memitigasi risiko gagal bayar sukuk. Jenis metode penelitian yang digunakan dalam penelitian ini adalah literatur, yaitu penelitian yang penemuan objeknya dilakukan dengan menggali informasi literatur. Hasil penelitian ini, penyelesaian risiko gagal bayar salah satunya dengan melakukan restrukturisasi sukuk. Adapun untuk restrukturisasi, yaitu penjadwalan ulang, pemberian perpanjangan waktu, regulasi harus diperketat, seperti obligasi konvensional tetap menggunakan prinsip syariah sekaligus dan semua transaksi Sukuk harus halal, hindari transaksi riba (membayar dan mengambil bunga), gharar (ambiguitas, fraud), dan maysir (permainan peluang), larangan berinvestasi pada produk dan jasa yang tidak sesuai dengan syariah, perlu persetujuan dari Dewan Penasehat Syariah. Ada dua implikasi utama dari prinsip syariah penyelesaian sengketa ini. Pertama, para pihak diberi keleluasaan untuk menentukan resolusi melalui negosiasi yang adil, selama tidak bertentangan dengan aturan Syariah lainnya, seperti riba, gharar, dan maysir. Kedua, perancah konkret untuk restrukturisasi utang semakin sedikit karena para pihak dapat menyusun sejumlah solusi.
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PENGARUH KUALITAS PRODUK OLAHAN IKAN, INFRASTRUKTUR DERMAGA DAN PENGELOLAAN TPI TERHADAP PEMBANGUNAN EKONOMI DESA BRANTA PESISIR
This research aims to measure the level of influence of processed fish product quality, TPI management, and dock infrastructure on the economic development of Branta Pesisir Village in Pamekasan Regency, East Java Province. Branta Pesisir Village has resources that are used as capital to develop the economy. However, the dock and TPI infrastructure resources are not directly within the administrative area of the Branta Pesisir Village Government and in addition the village community is able to produce processed fish products that have added economic value. Economic development can be measured through economic growth influenced by supporting factors, utilization of marine products, docks, and fish auction sites located in the village area. A quantitative approach was applied in this study with primary data analyzed using multiple linear analysis methods. The results showed that the quality of processed fish products, TPI management, and dock infrastructure simultaneously had a positive and significant effect on the economic development of Branta Pesisir Village by 63.7%, these results recommend economic development of Branta Pesisir Village by empowering the community to increase the value of economic growth factors both directly and indirectly on the capacity of fish products, the quality of TPI management and maintaining dock infrastructure so that these three variables become strong factors driving independent and sustainable economic development.
CONSUMPTION BEHAVIOR OF FISHERMAN HOUSEHOLDS FROM AN ISLAMIC ECONOMIC PERSPECTIVE IN BRANTA COASTAL VILLAGE
This research uses descriptive qualitative methods by conducting observations followed by semi-structural interviews, to obtain valid information from competent informants, namely fishermen households in Branta Pesisir Village. This research is about consumption behavior which is an indicator of household welfare in a region. This can be illustrated through direct research, how much expenditure is spent on fishermen's household consumption in terms of food and non-food consumption. If food consumption is greater than non-food consumption, then the family is classified as less prosperous, vice versa. Human consumption behavior cannot be separated from the rules (sharia) of the Islamic religion, if a Muslim (Muslim) in his consumption violates the provisions of the Shari'a then it is not considered Islamic consumption behavior. Results of research into the consumption behavior problems of fishermen's households in Branta Pesisir Village using an Islamic Economic Perspective. There are findings of the fact that their consumption depends on the income they earn, for fishing families whose income is large they tend to consume non-food, and vice versa. Consumption behavior that is in accordance with Islamic economic principles includes simple living behavior (not wasteful) and likes working together in good deeds.
PERAN DAN TANTANGAN BANK SYARIAH INDONESIA DALAM MENINGKATKAN INKLUSI KEUNGAN MELALUI PRODUK MIKRO SYARIAH
Financial inclusion is an important aspect of sustainable economic development. Bank Syariah Indonesia (BSI), as the largest sharia bank in Indonesia, has a strategic role in expanding access to public financial services, especially through micro sharia products. This article aims to explore BSI's role in increasing financial inclusion and the challenges it faces in implementing sharia micro products. Through empirical data analysis studies, this article identifies various challenges such as low financial literacy, technological limitations, and high operational costs. This research uses a qualitative descriptive method. The research results show that BSI has great potential in expanding financial access for lower society, but requires more effective strategies to overcome various obstacles.
ANALISIS PENGARUH INFLASI, NILAI TUKAR, SUKU BUNGA, DAN JUMLAH UANG BEREDAR TERHADAP NILAI EKSPOR DI INDONESIA TAHUN 2020-2023
This study analyzes the effect of inflation, exchange rates, interest rates, and money supply on the value of exports in Indonesia for 4 years 2020-2023. It aims to understand how these factors affect the value of exports. The method used is quantitative analysis with time series data obtained from BPS, BI, and the Ministry of Trade, including four dependent variables (inflation, exchange rates, interest rates, and money supply) and one independent variable (exports). The results show that inflation and money supply have a significant influence on exports. However, exchange rates and interest rates do not have a significant effect. Simultaneously, all independent variables significantly affect the value of exports. In conclusion, these factors have an important role in influencing the value of exports in Indonesia.
DAMPAK KEBIJAKAN PEMERINTAH TERHADAP PEMBERDAYAAN DAN PERKEMBANGAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI KABUPATEN PURWAKARTA
This study uses secondary data and qualitative descriptive methodologies to investigate how government policies affect the growth and empowerment of MSMEs in Purwakarta Regency. The study's findings demonstrate that although the government has aided the MSME sector, obstacles such low productivity, lack of product certification, administrative restrictions, and access to technology and skills continue to impede the expansion of MSMEs in Purwakarta Regency. This suggests that more efficient policies are required to boost MSMEs' share of the regional and national GDP.
SINERGI BAITUL MAAL DAN BMT DALAM MENDORONG PENGEMBANGAN EKONOMI DESA SUMURGEDE
Sumurgede Village, despite being categorized as a developing village, still faces significant challenges related to poverty. The majority of its residents rely on an under- optimized agricultural sector. Underdeveloped infrastructure and limited market access also hinder economic development. In this context, Baitul Maal and BMT play strategic roles. BMT provides Sharia-based financing for MSMEs, while Baitul Maal distributes zakat funds for business capital. These institutions not only provide access to capital but also business mentoring, which is crucial in reducing poverty and improving community welfare. The synergy between Baitul Maal and BMT has proven effective in supporting local economic development through a sustainable approach in accordance with Sharia principles.
IMPLEMENTASI KINERJA KARYAWAN DALAM PEMBIAYAAN GADAI EMAS TERHADAP NASABAH DI PEGADAIAN SYARIAH UPS KALI BUTUH
Penelitian ini untuk menganalisis implementasi kinerja karyawan dalam pembiayaan gadai emas terhadap nasabah di Pegadaian Syariah UPS Kali Butuh, keberadaan pegadaian menjadi solusi bagi masyarakat yang membutuhkan dana tunai secara cepat dengan menggunakan barang berharga, seperti emas, sebagai jaminan/agunan, Lembaga pegadaian juga menawarkan berbagai produk dan layanan keuangan lainnya, seperti pembiayaan, investasi, dan jasa titip. Metode penelitian yang digunakan adalah kualitatif deskriptif dengan pendekatan studi kasus, pengumpulan data dilakukan melalui wawancara, observasi dan dokumendasi. Hasil penelitian menunjukkan bahwa kinerja karyawan Pegadaian Syariah UPS Kali Butuh dalam pembiayaan gadai emas sudah cukup baik, karyawan memiliki kompetensi yang memadai, memberikan pelayanan yang ramah dan cepat, serta menjalankan prosedur gadai emas sesuai dengan ketentuan syariah. Namun, masih terdapat beberapa kendala seperti kurangnya sosialisasi produk gadai emas syariah kepada masyarakat dan terbatasnya jumlah karyawan. Implikasi dari penelitian ini adalah perlunya peningkatan kualitas sumber daya manusia, optimalisasi pemanfaatan teknologi, dan penguatan strategi pemasaran untuk meningkatkan kinerja karyawan dan kepuasan nasabah.
THE ROLE OF SHARIA FINANCIAL INSTITUTIONS IN IMPROVING THE ECONOMY BY IMPLEMENTING FINANCIAL LITERACY AND FINANCIAL INCLUSION IN TEGAL REGENCY
This research emerged in response to a deep need to understand the concrete efforts being made to increase sharia financial literacy and inclusion in Tegal Regency. The research method used is descriptive qualitative, with data collection through observation, interviews and documentation. Data analysis involves data reduction, presentation, and verification, as well as validation through observation, triangulation, and reference checking. The research informants consisted of Tegal Regency OJK administrators and the Tegal Regency community. OJK Tegal Regency is actively involved in strengthening sharia financial literacy and inclusion by applying principles such as planned and measurable, achievement-oriented, sustainable and collaborative. Programs such as Financial Education have been implemented, but there needs to be an increase in education programs and national campaigns to ensure that understanding of financial literacy is evenly distributed in the very large working area of OJK Tegal Regency.