International Conference on Islamic Economic (ICIE)
International Conference on Islamic Economics is a journal's economic studies published every April and October by Sekolah Tinggi Agama Islam (STAI) Darul Ulum Banyuanyar Pamekasan. The scope and focus of this journal is about business ethics, capital markets, financial institutions, sharia accounting, sharia finance, micro, banking and rural finance, monetary and fiscal policy, economic thought, zakat, waqf and Islamic Philanthropy, maqashid Syariah and economic welfare. Globalization of the Halal Industry and other Islamic economic studies. Journal Title : International Conference on Islamic Economic (ICIE) ISSN : 2829-663X (online), 2829-5102 (print) Frequency : 2 issues per year Editor in Chief : Dr. Abdul Mukit, M.Pd.I Email : Jamiah.duba@gmail.com DOI Prefix : Prefix 10.58223 by Crossref Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan, Indonesia Indexation : Scholar, Garuda, Sinta 4,
Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan
International Conference on Islamic Economic diterbitkan berdasarkan ketentuan Creative Commons Attribution 4.0 International License / CC BY 4.0 Lisensi ini mengizinkan setiap orang untuk menyalin dan menyebarluaskan kembali materi ini dalam bentuk atau format apapun, menggubah, mengubah, dan membuat turunan dari materi ini untuk kepentingan apapun, termasuk kepentingan komersial, selama mereka mencantumkan kredit kepada Penulis atas ciptaan asli.
Maximum Strategy for Teachers to Develop Saving Habits in Young Children at Tadika Tinta Khalifa Malaysia Words
Financial literacy from an early age is an important foundation for shaping children’s future financial behavior and character, particularly through saving habits. This study aims to analyze teachers’ pedagogical strategies in fostering saving habits among early childhood students at Tadika Tinta Khalifah Malaysia, as well as to identify the impacts and the supporting and inhibiting factors in their implementation. This study employed a qualitative approach with a descriptive design. The research subjects included classroom teachers and the school principal, while early childhood students became the objects of observation related to saving behavior. Data were collected through observation, semi-structured interviews, and documentation, and analyzed using the Miles and Huberman interactive model through data reduction, data display, and conclusion drawing. The findings indicate that teachers implemented saving habit strategies through regular hands-on saving activities, the use of creative learning media, and teachers’ role modeling in demonstrating frugal and disciplined behavior aligned with early childhood developmental characteristics. These strategies positively influenced children’s enthusiasm for saving activities, strengthened discipline and responsibility, and improved basic financial literacy, such as understanding the function of money, the purpose of saving, and the difference between needs and wants. The success of these strategies was supported by teachers’ commitment, a supportive school environment, and parental involvement, while limited parental understanding of early financial literacy and differences in family economic backgrounds were identified as inhibiting factors. This study contributes to the development of early childhood financial literacy research by presenting a contextual pedagogical strategy model based on habituation and teacher role modeling within an Islamic preschool setting in Malaysia, and by emphasizing the importance of school–family collaboration in fostering sustainable saving habits from an early age.
Copyright (c) 2026 Dina Wandira, Alfi Amalia http://creativecommons.org/licenses/by/4.0
Strategy and Implementation of Effective Sharia Financial Management: Case Study of Muslimeen Suksa School Thailand
This study is motivated by the financial management challenges faced by Islamic educational institutions, including limited budgets, administrative constraints, and the necessity to implement Sharia principles in every financial transaction. The research problem focuses on how the strategies and implementation of Sharia-based financial management are carried out at Muslimeen Suksa School Thailand. This study employs a qualitative method with a descriptive approach to obtain an in-depth understanding of school financial management practices based on Sharia principles. Data were collected through observation, in-depth interviews with the principal, treasurer, and administrative staff, as well as documentation. Data analysis was conducted through data reduction, data presentation, and conclusion drawing, with triangulation of sources, methods, and theories to ensure data validity. The findings indicate that financial management strategies are implemented through participatory budget planning, diversification of funding sources, separation of operational and social funds, and transparent financial reporting. The implementation of Sharia principles is reflected in the avoidance of interest-based transactions and the use of Sharia-compliant contracts in cooperation and procurement activities. The study concludes that Sharia-based financial management at Muslimeen Suksa School has been effectively implemented and is able to strengthen transparency, accountability, and institutional sustainability.
Copyright (c) 2026 Nurhidayati Husna, Rahmayati http://creativecommons.org/licenses/by/4.0
Analysis Of Sharia Financial Literacy Understanding Among Generation Z At Tsanawiyah Tawee Wittaya Islam School Pattani Thailand
This study is motivated by the low level of Islamic financial literacy among Generation Z in the midst of rapid digital financial development, which potentially encourages consumptive behavior without adequate understanding of Sharia principles. This study aims to analyze the level of Islamic financial literacy and identify the factors influencing students’ financial behavior at Tsanawiyah Tawee Wittaya Islam School, Pattani, Thailand. The research employs a qualitative approach with a case study design, using observation, semi-structured interviews with students, and documentation. Data were analyzed through data reduction, data display, and conclusion drawing, supported by triangulation to ensure validity. The findings reveal that students’ Islamic financial literacy is at a moderate level, characterized by a relatively good understanding of basic concepts such as the prohibition of riba and the importance of responsible financial management, but limited understanding of contract mechanisms (akad), gharar and maysir, as well as their practical implementation in modern financial transactions. Family environment, social media influence, and the integration of Islamic values in education are identified as key determinants shaping students’ financial behavior. This study contributes by highlighting the gap between normative understanding and practical application of Islamic financial literacy in the context of Islamic education within a Muslim minority setting. The implications emphasize the need for more contextual, practice-based, and value-oriented financial literacy education to develop financially literate and ethically responsible generations in accordance with Sharia principles.
Copyright (c) 2026 Muhammad Fadhil Hamdani, Rahmayati http://creativecommons.org/licenses/by/4.0
Strategies and Challenges in Introducing Shariah Financial Institutions to Students of Yannah Wittaya School Thailand
This research aims to analyze the strategies and challenges in introducing Islamic financial institutions to elementary school students at Yannah Wittaya School, Southern Thailand. The research uses a descriptive qualitative approach. Data collection was conducted thru in-depth interviews, participatory observation, and documentation. Data were analyzed using the interactive model of Miles and Huberman, which includes data reduction, data presentation, and conclusion drawing, with data validity ensured thru source and method triangulation. The research results show that the management of financial institutions is carried out thru systematic stages of planning, implementation, reporting, and supervision. Budget preparation is done participatively. Additionally, the practice of school financial management, which includes planning, implementation, reporting, and supervision systematically, also serves as a learning medium to instill values of accountability and transparency in students. However, the implementation of this program faces various challenges, including the limited competence of teachers in the field of sharia finance, limited integration into the formal curriculum, minimal learning resources and institutional support, as well as the low public understanding of the concept of sharia finance. Thus, the introduction of Islamic financial institutions at the elementary school level requires a synergy between innovative pedagogical strategies and sustainable institutional support to build Islamic financial literacy from an early age.
Copyright (c) 2026 Mira Dipa, Rahmayati Rahmayati http://creativecommons.org/licenses/by/4.0
Precarity and Resilience: The Sociology of Risk among Tobacco Farmers in Jember in Facing Ecological Crises and Price Uncertainty
Tobacco farmers in rural areas are increasingly confronted with complex risks arising from ecological crises and price uncertainty, which directly affect the sustainability of their livelihoods. These conditions contribute to structural and recurrent precarity, particularly among smallholder farmers with limited resources and bargaining power. This article aims to analyze the forms of precarity experienced by tobacco farmers, the resilience strategies they develop, and the influence of market power relations and agrarian structures on farmers’ vulnerability and capacity to endure risk in Ampel Village, Wuluhan District, Jember Regency. This study employs a qualitative approach with a case study design. Data were collected through in-depth interviews, observation, and documentation, and analyzed using thematic and interpretative analysis. The findings indicate that farmers’ precarity is shaped by the interaction between ecological crises, price fluctuations, and unequal agrarian power relations. In response, farmers develop social, economic, and cultural forms of resilience; however, these strategies tend to be adaptive rather than transformative and remain insufficient to address the structural roots of vulnerability. This study recommends policy interventions that not only strengthen farmers’ adaptive capacities but also promote improvements in market mechanisms and structural protection for tobacco farmers
Copyright (c) 2026 Muhammad Abian Kholid, Rusmini http://creativecommons.org/licenses/by/4.0
Implementation of Islamic Business Ethics Principles in the Governance of Taska Qalby An Nur Malaysia
This study aims to analyze the implementation of Sharia-based Islamic business ethics principles in the governance of Taska Qalby An Nur, Malaysia, particularly in terms of honesty, trustworthiness (amanah), justice, and transparency in service practices and institutional management. The research employs a qualitative approach using a case study design conducted at Taska Qalby An Nur in Cheras, Selangor, Malaysia. Data were collected through observation, semi-structured interviews with management and educators, and institutional document analysis. Data analysis was carried out descriptively through data reduction, data display, and conclusion drawing. The findings indicate that the application of Islamic business ethics is reflected in daily service practices, communication patterns with parents, and the management’s commitment to service responsibility. This study concludes that strengthening governance based on Islamic business ethics requires continuous value internalization through procedural standardization, enhanced institutional communication, and the development of ethical work practices to build public trust and maintain the quality of early childhood education services.
Copyright (c) 2026 Aqilah Hafizhah, Isra Hayati http://creativecommons.org/licenses/by/4.0
Strategies of Sharia-Based Human Resource Management in the Implementation of an Islamic Curriculum at Happy Hive Playschool & Preschool Malaysia
The implementation of an Islamic curriculum in early childhood education institutions frequently encounters challenges related to inconsistent instructional practices caused by variations in teachers’ competencies, diverse educational backgrounds, and the suboptimal integration of Sharia values within the human resource management system. This condition reflects a gap between the design of the Islamic curriculum and its practical implementation in classroom settings. This study aims to analyze Sharia-based human resource management strategies, describe the implementation of the Islamic curriculum, and identify the role of HR management in supporting the consistency of curriculum implementation at Happy Hive Playschool & Preschool Malaysia. The study employed a descriptive qualitative approach with a case study design. Data were collected through observation, in-depth interviews, and documentation, and were analyzed interactively through data reduction, data display, and conclusion drawing. Triangulation techniques were applied to ensure data validity. The findings reveal that Sharia-based HR management strategies are implemented through character- and competency-based recruitment, continuous training and mentoring, and performance evaluation grounded in the principles of amanah (trustworthiness), ‘adl (justice), and ihsan (excellence). The Islamic curriculum is implemented through play-based learning, habituation of worship practices, and teachers’ role modeling. However, differences in teachers’ pedagogical and spiritual readiness continue to influence the equity of learning outcomes. This study affirms that the success of the Islamic curriculum is strongly determined by systematic and sustainable HR management integrated with the enhancement of teachers’ professional and spiritual competencies.
Copyright (c) 2026 Fitri Dara Asmika, Alfi Amalia http://creativecommons.org/licenses/by/4.0
The Influence of Islamic Branding and Endorsement on Muslim Consumer Loyalty with Consumer Trust as a Mediating Variable (Case Study of Hijab Zoya)
This study aims to examine the effect of Islamic branding and endorsement on Muslim consumer loyalty, with consumer trust as a mediating variable, in the case of Zoya hijab products in Surabaya. This study used a quantitative research design and utilized primary data collected through an online questionnaire distributed to 211 respondents selected through purposive sampling. The data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach with the help of SmartPLS version 4.0 to assess the validity and reliability of the measurement instruments and to evaluate the structural relationships between variables in the proposed model. The findings show that Islamic branding and endorsement have a positive and significant effect on consumer trust. Furthermore, Islamic branding and endorsement also showed a positive and significant direct effect on consumer loyalty. Consumer trust itself was found to have a positive and significant impact on consumer loyalty. In addition, the results confirmed that consumer trust significantly mediated the relationship between Islamic branding and endorsement and consumer loyalty, indicating that marketing strategies based on Islamic values play an important role in strengthening customer consumer loyalty.
Copyright (c) 2026 Nadiah Masyahnda Salsabila, Khusnul Fikriyah http://creativecommons.org/licenses/by/4.0
Challenges and Strategies in Achieving Financial Transparency at Tadika Al Fikh Orchard Pendamar Indah Selangor Malaysia
This study aims to analyze the implementation of financial management transparency at Tadika Al-Fikh Orchard Pandamar Indah and to examine the role of Islamic values in financial practices within an early childhood Islamic educational institution. The research employs a qualitative approach with a descriptive-interpretative design to gain an in-depth understanding of the dynamics of financial governance in an Islamic institutional context. The research participants included the principal, treasurer, teachers, and representatives of parents. Data were collected through in-depth interviews, non-participant observation, and document analysis. Data analysis was conducted through the stages of data condensation, data display, and conclusion drawing and verification. The validity of the findings was ensured through source and method triangulation techniques. The findings indicate that efforts toward financial transparency have been undertaken through the periodic disclosure of fund utilization to parents. However, the implementation has not yet been standardized within a systematically documented reporting system. The main challenges include limited technical competence of financial administrators, reliance on manual bookkeeping systems, and minimal use of digital technology in financial administration. Furthermore, Islamic values such as amanah (trustworthiness), tabligh (transparency in conveying information), and fathanah (professional competence) are understood as moral foundations in financial management, yet they have not been fully integrated into operational procedures and accountable, measurable reporting mechanisms. This study highlights that strengthening financial transparency and accountability in Islamic educational institutions requires integrating human resource development, digital financial systems, and the internalization of Islamic values to achieve professional, sustainable, and integrity-driven governance practices.
Copyright (c) 2026 Alya Annisa Salwa Ritonga, Alfi Amalia http://creativecommons.org/licenses/by/4.0
The Influence of Halal Labels , Brand Image, and Consumer Animosity on Gen Z Muslim Consumers' Purchase Intention on the Issue of Boycotting Citra Body Lotion Products
This study aims to determine the effect of Halal Label, Brand Image and Consumer Animosity on the Purchase Intention of Citra Body Lotion which is experiencing a boycott issue among Gen Z Muslims in Surabaya using quantitative methods from primary data obtained through online questionnaires. The sampling technique used was purposive sampling with a total of 140 respondents. Respondents selected in this study were Gen Z Muslims who live in Surabaya City. Data analysis was carried out using Statistical Product and Service Solutions (SPSS). The results of the study indicate that partially the halal label has a significant positive effect on the purchase intention of Citra Body Lotion, Brand Image has a significant positive effect on the purchase intention of Citra Body Lotion and Consumer Animosity also has a significant negative effect on the purchase intention of Citra Body Lotion, which indicates that consumer sentiment or emotional attitudes towards certain issues can influence their purchase intentions. Simultaneously, the halal label, Brand Image and Consumer Animosity have a significant effect on the purchase intention of Citra Body Lotion. This research contributes to the understanding of Muslim consumer behavior, especially from Generation Z in responding to the issue of product boycotts and provides practical implications for companies in understanding purchasing intention through Halal Labels , Brand Image and Consumer Animosity.
Copyright (c) 2026 Qonita Rahma Humairo, Nurwinsyah Rohmaningtyas, Anees El Zer http://creativecommons.org/licenses/by/4.0
Sharia-Based Teachers’ Strategies In Teaching The Concept Of Money And Saving To Early Childhood Students At Tadika Tahfiz Nur Furqan, Malaysia
This study addresses the limited integration of Islamic financial literacy in early childhood education, particularly in cultivating foundational understanding of money and Sharia-based saving habits. It aims to analyze teachers’ strategies in teaching the concept of money and Islamic-oriented saving behavior to young learners at Tadika Tahfiz Nur Furqan. The research employs a descriptive qualitative approach, with data collected through classroom observations, semi-structured interviews, and documentation analysis. The findings reveal that teachers apply play-based learning strategies, including simulations of buying and selling activities, structured daily saving routines, and the integration of Islamic values such as trustworthiness (amanah), honesty (ṣidq), thriftiness (iqtiṣād), and social responsibility. The implementation of a routine saving program enables children to understand the basic functions of money while gradually shaping responsible economic behavior grounded in Islamic principles. Furthermore, active parental involvement reinforces the consistency of saving practices at home. This study contributes to the development of a Sharia-based financial literacy model for early childhood education through contextual learning and systematic habit formation rooted in Islamic values.
Copyright (c) 2026 Annisa Dwi Rani http://creativecommons.org/licenses/by/4.0
The Role of Sharia Financial Management in Supporting School Program Innovation at Warasansart Lammai School Thailand
This study addresses the challenge of ensuring sustainable and accountable school management through Sharia-based financial principles amid limited institutional resources. It aims to evaluate the role of Sharia-based financial management and program innovation at Warasansart Lammai School, Thailand. A qualitative descriptive approach was employed, with data collected through observations, in-depth interviews with the school principal, teachers, and administrative staff, and document analysis. Data were analyzed using the Miles and Huberman interactive model, including data reduction, data display, and conclusion drawing. To ensure validity and reliability, source and method triangulation were applied. The findings reveal that the implementation of Sharia-based financial management significantly supports the sustainability, transparency, and effectiveness of innovative educational programs. However, the school continues to encounter constraints related to limited financial resources and infrastructural facilities. This study contributes to the discourse on Islamic educational management by offering an empirical model for integrating Sharia financial principles with institutional innovation in faith-based schools.
Copyright (c) 2026 Irma Damayanti Simanjuntak, Isra Hayati http://creativecommons.org/licenses/by/4.0
Investment Knowledge and Its Impact on Sharia Stock Investment Decisions among Beginner Investors (ISP) in Jember
The expansion of Islamic stock investors represents a favorable trend in the growth of the Islamic capital market. Despite this progress, disparities in investment knowledge continue to pose a substantial challenge, particularly for novice investors, as limited understanding may influence the quality and rationality of investment decision-making. This study seeks to investigate the level of sharia stock investment knowledge and examine its effect on investment decisions among Beginner Stock Investors (ISP) in Jember. A quantitative research approach was employed in this study. Data were collected through structured questionnaires administered to all beginner investors who are members of the ISP community in Jember, using a total sampling technique. The collected data were analyzed using SPSS version 22, encompassing validity testing, reliability testing, and classical assumption testing. Descriptive statistical analysis was applied to evaluate the level of sharia stock investment knowledge, while simple linear regression analysis was utilized to assess the influence of investment knowledge on sharia stock investment decisions. The results reveal that the level of sharia stock investment knowledge among Beginner Stock Investors (ISP) in Jember is categorized as very good. Furthermore, the findings demonstrate that investment knowledge exerts a positive and statistically significant influence on sharia stock investment decisions. This indicates that higher levels of investment knowledge contribute to more informed, rational, and appropriate decision-making, particularly in selecting stocks that comply with sharia principles
Investment knowledge, investment decisions, sharia stocks
Copyright (c) 2026 Dwi Nur An Naafi'u, Mu'awanah http://creativecommons.org/licenses/by/4.0
Profit-Sharing Perception and Service Quality as Determinants of Customers’ Decisions to Use Tadhabur Savings
Customers desires and interests play a role in driving decision-making regarding the use of Islamic bank savings. Customer decisions regarding the use of Islamic bank savings can be influenced by several factors. Differences in customer perceptions of the profit-sharing system in Islamic bank savings occur due to differences in their level of understanding and knowledge regarding the profit-sharing system in Islamic bank savings. The quality of service provided by Islamic banks is also a factor in attracting and retaining Islamic bank customers. This study aims to analyze customer perceptions of the profit-sharing system in Islamic bank savings and the quality of service provided by the bank to customers in relation to customer decisions regarding the use of Islamic bank savings. The sample used in this study was 95 Tadhabur savings customers at BPRS Lantabur Tebuireng, Surabaya Branch. Data collection in this study used questionnaires as primary data which were analyzed using multiple linear regression analysis and processed using SPSS 26. The results of this study indicate that Profit Sharing Perception (X1) has a significant effect on Customer Decisions (Y) in using tadhabur savings at BPRS Lantabur Tebuireng Surabaya Branch and Service Quality (X2) has a significant effect on Customer Decisions (Y) in using tadhabur savings at BPRS Lantabur Tebuireng Surabaya Branch. The t-test results show a significance value for the profit sharing perception variable of 0.005 and the service quality variable of 0.000. This study can be a reference for policies or decisions and provide insight for related parties
Copyright (c) 2026 Putri Izzah Septiani Cindito, Fira Nurafini http://creativecommons.org/licenses/by/4.0
Rahn Financing Stability amid Macroeconomic Fluctuations: A VECM Analysis of Islamic Pawnshops in Indonesia (2020–2025)
The development of rahn financing at Sharia Pawnshops in Indonesia cannot be separated from the dynamics of macroeconomic conditions that continue to change. Macroeconomic instability, such as inflation, BI-Rate, and exchange rates, has the potential to affect the performance and distribution of rahn financing. This condition became more pronounced during the 2020–2025 period, which was characterized by an economic crisis due to the COVID-19 pandemic and the subsequent economic recovery, thus necessitating empirical investigation. This study aims to analyze the effects of inflation, BI-Rate, and exchange rates on the distribution of rahn financing at Sharia Pawnshop in Indonesia, both in the short run and the long run. The analytical method employed in this study is the Vector Error Correction Model (VECM) using time series data. The analysis stages include stationarity tests, optimal lag determination, cointegration tests, VAR/VECM estimation, as well as Impulse Response Function (IRF) and Variance Decomposition (VD) analyses to examine the dynamic relationships among variables. The results indicate that inflation does not have a significant effect on rahn financing. The BI-Rate has a significant and negative effect on rahn financing, suggesting that increases in the benchmark interest rate tend to suppress the distribution of rahn financing. Meanwhile, the exchange rate does not have a significant effect in the short run but shows a significant and positive effect in the long run. These findings indicate that rahn financing is relatively stable against inflationary pressures but is sensitive to changes in the BI-Rate and exchange rate conditions in the long term. This study is expected to provide empirical references for the management of Syariah Pahwnshop and regulators in formulating financing policies that are more adaptive and responsive to macroeconomic dynamics, particularly in maintaining the stability and sustainability of rahn financing in Indonesia.
Copyright (c) 2026 Indra Setiawan Hardiansyah, Fira Nurafini http://creativecommons.org/licenses/by/4.0
Socio-Economic Dimensions of Unemployment and Strategies for Addressing It: A Descriptive Study
Unemployment is a multidimensional socio-economic problem that manifests in various forms, each driven by distinct causes and requiring specific solutions. This study addresses the problem of identifying the different types of unemployment and the challenges in determining appropriate strategies to mitigate them. The objective of this research is to analyze the classifications of unemployment, explore their underlying causes, and propose suitable approaches for their treatment based on both classical economic theory and complementary perspectives. This research employs a descriptive qualitative method, relying on literature review and analytical interpretation of traditional economic theories alongside expanded categorizations observed by the researcher. The study examines the linguistic and terminological definitions of unemployment, its various types, and practical strategies for addressing it. The findings reveal that understanding the specific type of unemployment is essential for diagnosing its root causes and implementing effective solutions. Traditional classifications alone are insufficient; therefore, integrating complementary categories provides a more comprehensive framework for analysis and intervention. This study contributes to the enrichment of socio-economic discourse by offering a nuanced classification of unemployment and highlighting the importance of context-specific solutions. It also bridges insights from economic theory with broader intellectual perspectives, supporting more effective policy formulation and academic inquiry.
Copyright (c) 2026 Hafshah Marwa Musthafa http://creativecommons.org/licenses/by/4.0
The Influence of Aesthetic Gift-Giving Trends on Adolescents’ Spending Patterns: An Islamic Economic Perspective
This study was conducted to analyze the extent to which the trend of giving aesthetic gifts influences the spending patterns of adolescents in Jombang Village from a sharia economics prespective. In addition, this study aso aims to evaluate whether the consumption behaviour of adolescents and the way they interpret aesthetic gifts is more likely to be directed at tertiary needs or merely the fulfillment of desires. This study uses a quantitative approach with an explanatory research design. Primary data were colected through a structured questionnaire distributed to 212 adolescents as respondents, who were selected using multistage sampling from a total population of 451 adolescents. Data analysis was performed using simple linear regression with the help of IBM SPSS software, supported by classical assumption testing, partial testing (t-test), simultaneous testing (f-test), and coefficient of determination analysis.The results of the anaysis show that the trend of aesthetic gifts has a significant influence on the spending patterns of adolescents. This is evidenced by a t-value of 0,6915 at a significance level of 0,000 (p<0,05) and a positive regression coefficient of 0,770. The coefficient of determination (R2=0,185) shows that the aesthetic gift trend variable explains 18,5% of the variation in adolescent spending patterns, while the rest is influenced by other factors outside the research model. . From a sharia economics perspective, the average value of youth spending patterns of 3,94 reflects relatively good financial management skills, but the average value of aesthetic gift trends of 3,88 shows the strong role of social and emotional needs that fall into the category of tertiary needs or desires. Therefore, the level of conformity of consumption behavior with the principles of balance (tawazun) and moderation (I’tidal) is highly dependent on the ability of adolescents to maintain their spending priorities.
Copyright (c) 2026 Dewi Mayang Sari, Dovi Iwan Musthofa Habibillah http://creativecommons.org/licenses/by/4.0
Analysis of Bumrungsuksa office Management Activities in implementing Sharia Business Management in Thailand
This study examines the implementation of Sharia business management within the administrative activities of Bumrungsuksa Islamic Boarding School, located in a predominantly non-Muslim region of Thailand. The research is grounded in the need for effective office management that is simultaneously aligned with Islamic values. The primary objective of this study is to analyze how Sharia principles are applied in managerial processes, including planning, organizing, implementing, and supervising administrative operations. A qualitative descriptive approach was employed, with data collected through observation, interviews, and institutional documentation. The findings reveal that the value of amanah is reflected in the financial management of students’ savings, which are deposited in Sharia-compliant financial institutions to avoid interest-based transactions. Decision-making processes are carried out through regular meetings involving teachers, administrators, and management staff, demonstrating the practice of syura (consultation) in organizational governance. The division of tasks is well-structured, although office administration is still predominantly managed manually, with gradual efforts toward digitalization. Overall, this study indicates that the integration of Sharia-based values in administrative management at Bumrungsuksa has contributed positively to forming an Islamic work culture. Moreover, it holds potential to be developed further as a model for strengthening office management in Islamic educational institutions within minority Muslim contexts.
Copyright (c) 2026 Aldira Eka Putri Kaemuddin, Syahrul Amsari http://creativecommons.org/licenses/by/4.0
Analysis Of The Application Of Islamic Business Ethics In The Development Of School Services At Saengsattha School In Thailand
This study aims to examine the application of Islamic business ethics principles in the development of educational services at Saengsattha School, Thailand, which is located in a Muslim minority community. Islamic business ethics is positioned as a normative foundation that is not only relevant in commercial activities but also has a strategic role in the governance of educational institutions. This research was conducted using a qualitative approach through field observation techniques, in-depth interviews, document analysis, and literature study. The research informants consisted of school administrators, educators and staff, as well as parents of students as interested parties. The data analysis process was carried out through a series of stages including data reduction, data presentation, and interactive conclusion drawing. The results of the study show that Saengsattha School has implemented Islamic business ethics values, including the principles of monotheism, justice, trustworthiness, responsibility, and benevolence in the development of administrative, academic, and social services. The implementation of these values has had a positive impact on improving the quality of school services, management accountability, and strengthening public trust. However, a number of obstacles were still found, such as the limited understanding of some educators and parents of students regarding the concept of Islamic business ethics, as well as the influence of non-Muslim social and cultural environments. In general, the application of Islamic business ethics is considered effective in supporting the development of school services while maintaining the existence of Islamic values at Saengsattha School. This study is expected to contribute as a conceptual and practical foundation for the development of Islamic ethics-based educational services, especially in areas with a Muslim minority population.
Copyright (c) 2026 Mutiara Azahra, Syahrul Amsari http://creativecommons.org/licenses/by/4.0
Arabic Language Learning as Economic Capital in the Hajj and Umrah Service Sector
Arabic language learning holds a strategic value in enhancing the communicative, social, and economic competencies of Muslim communities, particularly in the Hajj and Umrah service sectors. Arabic functions not only as a means of understanding Islamic teachings but also as economic capital that contributes directly to improving the welfare and professionalism of Muslim workers. In the context of globalized religious economics, proficiency in Arabic becomes a highly valuable functional skill that opens employment opportunities in religious service sectors such as pilgrimage assistance, religious tourism, education, and translation. This is increasingly relevant as the demand for professional personnel capable of effectively communicating with pilgrims and Saudi Arabian authorities continues to grow each year. This study employs a descriptive-analytical approach by examining various sources that discuss the interrelationship between language, economy, and religion. The results indicate that Arabic proficiency provides significant economic advantages, particularly for individuals working as guides, mutawwifs, translators, and other Hajj and Umrah service personnel. Beyond financial benefits, Arabic proficiency strengthens professional identity and improves the quality of pilgrim services. Moreover, need-based Arabic learning has proven to be more effective in preparing a workforce that meets the real demands of the religious service industry. This research offers a new perspective on the urgency of need-based Arabic language learning as a strategy for human resource development that is more relevant to the dynamics of the Hajj and Umrah service industry. The findings are expected to serve as a reference for educational institutions, providers of religious professional training, and policymakers in designing Arabic language curricula and training programs that are more applicative, responsive, and aligned with the needs of the global job market.
Copyright (c) 2025 Moh. Supriyadi http://creativecommons.org/licenses/by/4.0
Equitable Arabic Language Learning: An Innovative Response to Economic Challenges through the Hiwaruna Textbook
The development of the Hiwaruna textbook was initiated as a response to the dual challenge of linguistic complexity and economic limitation faced by ibtida’ students at Darul Lugha wal Qur’an Palengaan Daja, Pamekasan. The existing textbook, Muhawarah Juz 1, was found to be linguistically demanding and economically inaccessible, creating disparities in students’ learning engagement. This study aims to design and develop a more affordable yet pedagogically sound alternative to support equitable Arabic kalam learning. Employing a Research and Development (R&D) approach based on the 4D model (Define, Design, Develop, and Disseminate), data were collected through classroom observation, teacher interviews, expert validation, and student feedback. The Hiwaruna textbook was designed to suit students’ proficiency levels, incorporating contextual themes, simplified vocabulary, visual aids, and pronunciation guides, while being printed locally at a cost 80% lower than commercial materials. The implementation demonstrated significant improvements in student motivation, comprehension, and speaking ability. Furthermore, teachers reported that Hiwaruna facilitated more interactive and inclusive classroom communication. The findings suggest that pedagogical innovation rooted in local economic awareness can enhance accessibility without compromising educational quality, offering a sustainable model for Arabic language instruction in resource-limited contexts
Copyright (c) 2025 Mohammad Zainal Hamdy http://creativecommons.org/licenses/by/4.0
The Best Economic System for Saving: A Global Perspective
This study addresses the problem of uneven and often inadequate saving behavior across countries, which is closely related to differences in economic systems. The central issue examined is how capitalist, socialist, and mixed economic systems shape individual and national saving patterns amid global challenges such as rising living costs, consumerism, and economic uncertainty. The objective of this study is to analyze the relationship between economic system characteristics and saving behavior, while identifying the institutional, policy-related, and cultural factors that influence saving outcomes. The research employs a qualitative approach based on a literature review and comparative analysis of economic theories and global case studies. Data are analyzed descriptively and analytically to highlight the mechanisms through which different economic systems encourage or constrain saving behavior. The findings indicate that capitalist systems promote individual savings through market incentives and financial innovation, but they are often accompanied by inequality and overconsumption. Socialist systems emphasize state-managed savings and collective welfare, which can reduce individual motivation to save. Mixed economies demonstrate a more balanced approach by combining private initiative with social protection, thereby enhancing financial inclusion and economic resilience. This study contributes to the literature by emphasizing that an effective and sustainable saving system requires the integration of individual responsibility, strong institutional support, and supportive cultural values to ensure long-term economic growth and financial stability in an increasingly interconnected global economy.
Copyright (c) 2025 S.H Sheik Mohamed, Nirmala M, Baidawi Arrohman, Zainol Fata http://creativecommons.org/licenses/by/4.0
Shariah-Compliant Digital Marketing in Early Childhood Education: A Case Study from Malaysia
Digital marketing has become a crucial tool for educational institutions to increase visibility, build trust, and attract prospective students. However, the integration of Sharia principles into digital marketing remains underexplored, particularly in early childhood education. This study aims to analyze the implementation of Sharia-based digital marketing strategies at Tadika Tinta Khalifah School, Kedah, Malaysia. Employing a descriptive qualitative approach, data were collected through interviews, observations, and documentation to provide a comprehensive understanding of marketing practices within the school context. The findings reveal that the school employs social media platforms, an official website, and Islamic value-based content as its primary marketing strategies. These practices reflect adherence to Sharia principles such as honesty, transparency, and ethical communication. Nonetheless, the study also identifies several challenges: limited human resources, constrained promotional budgets, strong competition from other schools, and the need for parents to adapt to digital platforms. Despite these obstacles, the results show that the school has effectively utilized digital marketing in ways that both promote its services and preserve Islamic ethical standards. The contribution of this study lies in offering practical insights into how Sharia-compliant digital marketing can be applied in early education, highlighting both its opportunities and constraints. It provides valuable recommendations for strengthening capacity, optimizing content, and fostering collaboration to enhance competitiveness while maintaining alignment with Islamic values.
Copyright (c) 2025 Nurma Sari, Rahmayati http://creativecommons.org/licenses/by/4.0
The Effectiveness of Savings Programs in Shaping Students’ Financial Discipline in Islamic Boarding Schools
Financial discipline is an essential life skill that enables individuals to manage resources wisely and prepare for future needs. In the context of Islamic boarding schools, or pesantren, this skill becomes even more important as students (santri) are expected to embody responsibility, independence, and adherence to Islamic values in daily life. Recognizing this need, An-Nikmah School Cooperatives introduced a sharia-based savings program, designed not only as a financial service but also as an educational initiative to instill long-term financial awareness and discipline. His study seeks to evaluate the effectiveness of the savings program in enhancing students’ financial discipline, to identify both supporting and inhibiting factors, and to assess the program’s contribution to the development of financial character consistent with Islamic principles. A descriptive qualitative method was employed, incorporating in-depth interviews, direct observation, and document analysis with cooperative managers and participating students. The findings reveal that the savings program contributes significantly to building systematic saving habits, encouraging accurate financial recording, and strengthening the integration of Islamic values in financial management. Despite these achievements, the program faces challenges such as limited financial literacy among students, inadequate access to technology-based recording tools, and insufficient training sessions to reinforce knowledge and practice. Overall, the study concludes that the sharia cooperative savings program at An-Nikmah School Cooperatives is effective in fostering disciplined, responsible, and independent financial behavior. Moreover, it provides a replicable model for financial education in Islamic boarding schools, offering valuable insights for policymakers, educators, and cooperative institutions in advancing financial literacy through faith-based initiatives.
Copyright (c) 2025 Mahmud Kholil Shofa Siagian, Uswah Hasanah http://creativecommons.org/licenses/by/4.0
Structural Semiotics of the Debt Verse: Foundations of Financial Ethics and Character Education in the Digital Era
Ayat Dain (QS. Al-Baqarah: 282) is the longest verse in the Qur’an, emphasizing fundamental principles of financial transactions such as honesty, transparency, justice, and responsibility. In the digital era, financial practices have become increasingly complex, raising the problem of how these ethical values can serve as a foundation for digital financial management and character education. This study specifically addresses the problem of how the linguistic structure and semiotic signs of Ayat Dain can be interpreted through Ferdinand de Saussure’s structural semiotics approach and how these interpretations may contribute to character education in the digital age. The main objective of this research is to analyze the semiotic structure of Ayat Dain in order to uncover its deeper meaning related to financial ethics and to formulate a character education model grounded in these values. The research employs a qualitative method with data obtained through literature studies on classical and contemporary Qur’anic interpretations, further analyzed using Saussurean linguistic concepts to explore signifier-signified relations within the verse. The results indicate that the semiotic analysis of Ayat Dain reveals a coherent structure underscoring the necessity of transaction documentation, the inclusion of witnesses as an element of transparency, and the reinforcement of trust as the basis of financial credibility. The study contributes by proposing the integration of these ethical financial values into character education through Islamic financial literacy, the application of digital transaction recording tools, and embedding ethical financial principles within Islamic economics curricula. This integration highlights the enduring relevance of Ayat Dain in guiding ethical practices for financial and character development in the digital era
Copyright (c) 2025 Mohammad Zainal Hamdy, Wiwik Prasetiyo Ningsih http://creativecommons.org/licenses/by/4.0
The Qowaid Learning Revolution: Blending Microlearning with Digital Economy Opportunities
The development of digital technology has brought significant transformation in the field of education, including Arabic language learning. One of the platforms widely utilized for learning is YouTube, which offers flexibility and ease of access. Qowaid, as a branch of Arabic linguistics encompassing nahwu (syntax) and sharaf (morphology), is often considered complex and requires an effective learning approach. Microlearning, with its characteristics of being concise, focused, and structured, offers a solution to facilitate the understanding of qowaid material. The YouTube channel Yayasan BISA was selected as the subject of this study due to its popularity and systematic presentation of materials. This research aims to analyze the qowaid learning content on the Yayasan BISA YouTube channel through the lens of microlearning. The method used is qualitative with a content analysis approach. Data were collected through documentation of qowaid learning videos on the channel, which were then analyzed based on three microlearning elements: microcontent, pedagogy, and technology. The findings reveal that out of 23 qowaid learning playlists on the Yayasan BISA channel, only two playlists—Nahwu Animation and Sharaf Animation—meet the principles of microlearning. These videos are typically short in duration (4–6 minutes), focused on a single topic, and presented with engaging animations. However, aspects such as retention reinforcement, interactivity, and learning evaluation still need to be improved to support more comprehensive learning effectiveness
Copyright (c) 2026 Hibatin Wafiroh, Moh. Sholeh Afyuddin, Intan Nur'aini, Ela Febrian, Alifatul Nur Dita Maharani http://creativecommons.org/licenses/by/4.0
The Reform of Arabic Grammar in Ulul Albab by Ahmad Rifa’i: A Syawqi Dhoif-Inspired Contribution to Islamic Economic Literacy
The study addresses the contemporary challenge of revitalizing Arabic grammar (nahwu) learning by examining the integration of classical and modern approaches within Islamic scholarship. This research has two primary objectives: first, to analyze how Arabic grammar material is presented in Ulul Albab by Ahmad Rifa’i; and second, to evaluate this presentation using Shawqi Dhoif’s theory of nahwu renewal. The research employs a qualitative design with a library research approach. Data collection was conducted through documentation and interviews: documentation involved the analysis of Ulul Albab and Shawqi Dhoif’s Tajdīd al-Nahw, while interviews were carried out with the author of Ulul Albab to strengthen the validity of interpretation. The findings reveal that Ulul Albab, completed in 2022 as Ahmad Rifa’i’s doctoral dissertation, systematically presents Arabic grammar rules accompanied by varied sentence examples, references to classical nadhm traditions, and practice exercises designed to enhance student comprehension. Analysis using Shawqi Dhoif’s renewal theory shows that four aspects of Rifa’i’s work align with the reformist perspective, while two aspects diverge or even contradict, largely due to the differing intellectual backgrounds: Ulul Albab draws heavily from classical grammatical works, whereas Tajdīd al-Nahw reflects Ibn Mada’s rationalist and textualist orientation. This research contributes to the field of Arabic linguistic studies and Islamic economics by demonstrating how nahwu renewal can promote more simplified, practical, and effective grammar instruction. Furthermore, it highlights the potential of Arabic literacy not only for academic learning but also for advancing Islamic economic literacy in contemporary contexts.
Copyright (c) 2025 Hibatin Wafiroh, Moh. Sholeh Affiyuddin, Ahmad Rifa'i, Fahma Lailatul Fitriyah http://creativecommons.org/licenses/by/4.0
Pertanian Berbasis Green Economy: Langkah Nyata Menuju Masa Depan Ramah Lingkungan
The implementation of green economy principles in duck farming aims to enhance sustainable productivity, minimize environmental degradation, and improve the economic well-being of rural communities. This study seeks to explore how sustainable agricultural practices are applied through a green economy approach at the community level. Employing a qualitative method, the research investigates the social context, meanings, and community interpretations of environmentally friendly farming systems. The findings reveal that the transition toward sustainable agriculture can be achieved through community-based initiatives, local innovations, and the use of organic resources. Efforts led by Mudzakkir and the Aspekpro farming community demonstrate that agricultural productivity does not necessarily rely on chemical fertilizers. Instead, the production of organic fertilizer from agricultural waste and livestock manure has significantly improved soil health and crop yields. Nevertheless, several challenges persist, including limited access to technical knowledge, the absence of mid-scale production equipment, and a lack of policy support for organic fertilizer development. On the positive side, environmental awareness, strong community leadership, and a culture of mutual cooperation serve as essential driving forces that reinforce the green economy approach. This study contributes to the broader discourse on sustainable agricultural development by offering a practical illustration of how grassroots participation can foster ecologically sound and socially inclusive farming systems
Copyright (c) 2025 Rizki Febri Eka Pradani, Nurul Kamalia http://creativecommons.org/licenses/by/4.0
Exploring the Determinants of Digital Banking Adoption Among Islamic Banks in Indonesia
: This study analyzes the critical factors influencing the adoption of digital banking services within Islamic banks in Indonesia. The rapid digital transformation in the Islamic financial sector has created both opportunities and challenges, particularly in understanding customer behavior and aligning digital innovations with Sharia principles. The primary objective of this research is to identify the extent to which religiosity, financial literacy, business expectations, and social influence affect the willingness of Muslim users to adopt digital banking platforms. A quantitative survey method was applied, involving 265 Muslim students from various universities in East Java, Indonesia, who actively utilize digital banking services. The results demonstrate that religiosity is the most significant determinant of adoption, highlighting that faith-based values strongly shape consumer decisions in the Islamic financial context. In addition, financial literacy, perceived business benefits, and peer influence were also found to have a substantial impact, reflecting the role of both intrinsic and extrinsic motivators. These findings contribute to the growing body of knowledge on technology acceptance in Islamic finance by integrating behavioral and spiritual perspectives. The study also offers practical insights for Islamic banks to design digital services that are both technologically innovative and ethically aligned with customers’ expectations
Copyright (c) 2025 Nanang Setiawan, Alfa Rahmiati http://creativecommons.org/licenses/by/4.0
Unpacking Structural Poverty through a Sustainable Economic Lens: A Qualitative Literature Review
Structural poverty represents a persistent form of deprivation that arises from systemic social and economic inequalities, yet it has not been sufficiently addressed within the framework of sustainable development. This gap is critical because sustainable development goals inherently emphasize inclusivity, justice, and long-term equity. The purpose of this study is to analyze how structural poverty is conceptualized and interpreted in relation to sustainable economics, as well as to explore its implications for achieving sustainability-oriented policies and practices. This research employs a qualitative literature review, systematically analyzing scholarly publications from the last ten years. Thematic analysis was applied to identify dominant themes, theoretical orientations, and empirical findings concerning the nexus of poverty and sustainability. The results show that structural socio-economic inequalities remain a major barrier to fulfilling sustainable development goals, particularly those related to social and economic justice. Moreover, the study provides a conceptual mapping that highlights how interdisciplinary approaches—from economics, sociology, and environmental studies—offer valuable insights into addressing the systemic roots of poverty. The contribution of this study lies in deepening theoretical understanding while simultaneously offering practical relevance. It underscores the urgency of integrating structural poverty into sustainability discourse and suggests that future policy must address systemic inequalities to promote more equitable and sustainable development.
Copyright (c) 2025 Muhamad Fardan, Hariyono http://creativecommons.org/licenses/by/4.0