https://ejournal.unwaha.ac.id/index.php/istismar/issue/feedISTISMAR2025-11-30T06:32:31+00:00Ashlihahashlihah@unwaha.ac.idOpen Journal Systems<p><strong>Istismar</strong> merupakan Jurnal Ekonomi dan Bisnis Islam yang menerima naskah asli di bidang Ekonomi Islam, termasuk laporan penelitian, penerapan teori, studi kritis, dan tinjauan literatur. Penyebaran Ekonomi Islam meliputi : Keuangan Syariah dan Pasar Modal, Perbankan Syariah, Manajemen Bisnis Islam, Kewirausahaan, dan Pariwisata, Akuntansi Syariah, Manajemen Risiko Syariah dan Asuransi Syariah. Jurnal ini telah terdaftar E-ISSN: 2655-7568, terbit dua kali terbitan dalam satu tahun yaitu pada bulan <strong>Juni</strong> dan <strong>Desember</strong>.</p>https://ejournal.unwaha.ac.id/index.php/istismar/article/view/5843LIMA KEKUATAN MANAJEMEN STRATEGIS SYARIAH UNTUK MENGATASI TANTANGAN PENGGANTIAN PEKERJAAN OLEH ARTIFICIAL INTELLIGENCE 2025-07-16T04:06:01+00:00Syaviratul Mughoyarohvira778812@gmail.comBekti Widyaningsihbektiwidya@gmail.comArivatu Ni’mati Rahmatikaarivaturahmatika@unwaha.ac.id<p><em>Perkembangan pesat Artificial Intelligence (AI) menghadirkan tantangan signifikan terhadap stabilitas pekerjaan, memicu kekhawatiran tentang penggantian pekerjaan dalam berbagai sektor. Artikel ini mengusulkan kerangka kerja manajemen strategis Syariah sebagai solusi adaptif untuk mengatasi ancaman ini. metode penelitian yang digunakan adalah pendekatan kualitatif studi literatur, dan analisis konten. Hasil dari penelitian menunjukkan bahwa dengan mengintegrasikan nilai-nilai dan prinsip-prinsip Islam, kerangka ini memanfaatkan lima kekuatan utama: asas tauhid, orientasi duniawi-ukhrawi, motivasi mardhatillah, keyakinan ubudiyah, dan kesadaran ihsaniyah. Analisis menunjukkan bahwa pendekatan Syariah tidak hanya mempersiapkan organisasi dan individu menghadapi disrupsi AI secara ekonomi, tetapi juga secara spiritual dan sosial, memastikan keberlanjutan dan keadilan dalam transisi menuju era digital.</em></p>2025-11-23T00:00:00+00:00Copyright (c) 2025 ISTISMARhttps://ejournal.unwaha.ac.id/index.php/istismar/article/view/6043TRANSFORMASI SDM ISLAMI DALAM MEWUJUDKAN PEMBANGUNAN MANUSIA BERKUALITAS2025-07-22T11:07:45+00:00Lely Nur Ma'atus Sholikhanurmaatuslely@gmail.comArivatu Ni'mati Rahmatikaarivaturahmatika@unwaha.ac.idBekti Widyahningsihbekti@unwaha.ac.id<p><strong><em>Abstract: </em></strong><em>Human resource (HR) transformation based on Islamic values is key to achieving overall quality human development. This article examines the role of Islamic education and character development in shaping superior human resources, both intellectually and morally, with a strong sense of faith. This approach is crucial for addressing the challenges of globalization and the Fourth Industrial Revolution while maintaining Islamic identity. Using qualitative descriptive methods, this article outlines a strategy for transforming Islamic HR, encompassing spiritual, moral, intellectual, and social aspects as the primary capital for national development.</em></p> <p><strong><em>Keywords:</em></strong><em> Human Resource Transformation, Islamic Education, Quality Human Development</em></p>2025-11-23T00:00:00+00:00Copyright (c) 2025 ISTISMARhttps://ejournal.unwaha.ac.id/index.php/istismar/article/view/6520PENGEMBANGAN MODEL FASILITAS BELAJAR DALAM MENCETAK ENTREPRENEUR BAGI MAHASISWA EKONOMI SYARIAH 2025-11-22T14:16:00+00:00Ashlihah Ashlihahashlihaherhaka@gmail.comAlyafi David Septianalmubaroqdavid@gmail.com<p><em>This research provides benefits for students, increasing the effectiveness of entrepreneurship programs, minimizing unemployment. This type of research is qualitative research. The data collection technique uses interview techniques, documentation. Data analysis in this research uses interactive analysis. The results of this research indicate that developing a learning facility model to develop an entrepreneurial spirit requires a curriculum that focuses on business and entrepreneurial skills, collaboration, active engagement with industry for practical learning experiences, and coaching through mentorship and support programs to facilitate the development of business ideas and business launches. With this holistic approach, learning facilities can provide an environment that supports students' development into successful and innovative entrepreneurs.</em></p>2025-11-27T00:00:00+00:00Copyright (c) 2025 ISTISMARhttps://ejournal.unwaha.ac.id/index.php/istismar/article/view/6193PENGARUH FITUR SYARIAH DAN KEPERCAYAAN TERHADAP KEPUASAN MAHASISWA EKONOMI SYARIAH DI SUMENEP DALAM MENGGUNAKAN BYOND BY BSI2025-11-22T14:16:56+00:00Akhmad Baidhowiakhmadbaidhowi03@gmail.comNur Hasan Zaifullahnurhasanzaifullah@gmail.com<p><strong><em>Abstract: </em></strong><em>This study aims to analyze the influence of sharia features and trust on the satisfaction of Islamic Economics students in Sumenep when using the Byond by BSI application. The research background is based on the rapid growth of digitalization in Islamic banking services, which still faces challenges in terms of literacy, inclusion, and user satisfaction. Byond by BSI is introduced as an innovative digital platform that integrates sharia principles into various features, making it important to examine its relevance to student satisfaction as digital natives who are critical of Islamic values. This research applies a quantitative approach using primary data collected through questionnaires distributed to students who have used the application. The findings reveal that sharia features play an essential role in creating transactional convenience aligned with Islamic values, while trust acts as a fundamental factor that strengthens acceptance and satisfaction. The study contributes theoretically to the literature on customer satisfaction and provides practical implications for BSI in strengthening sharia-based service strategies relevant to the needs of young generations.</em></p> <p><strong><em>Keywords:</em></strong> <em>Sharia features, Trust, Student satisfaction, Digital banking, Islamic Economics</em><em>.</em></p>2025-11-27T00:00:00+00:00Copyright (c) 2025 ISTISMARhttps://ejournal.unwaha.ac.id/index.php/istismar/article/view/6533KONTRIBUSI PEMIKIRAN ASWAJA TERHADAP REGULASI HUKUM EKONOMI SYARI’AH DI INDONESIA2025-11-27T15:15:51+00:00Singgih PranotoSinggihpranoto47@gmail.comM. Aly Asaddullah alyasaddullah@gmail.comMedian Bahrul Ulummas389278@gmail.comNorma Fitrianormafitria@unhasy.ac.id<p><strong>Abstract</strong><strong> : </strong><em>The contribution of Ahlussunnah wal Jamaah (Aswaja) thoughts to the formation and development of sharia economic law regulations in Indonesia. As one of the main streams of Islamic thought in Indonesia, Aswaja has a significant influence in integrating the values of fiqh muamalah, social ethics, and principles of justice in sharia economic law regulations. This research uses a qualitative approach with a literature study method, analyzing primary and secondary sources related to Aswaja thought and sharia economic law regulations in Indonesia. The results of this study indicate that Aswaja thought plays a role in providing normative, ethical, and practical foundations for the drafting of sharia economic law regulations, including in the aspects of sharia banking, financial institutions, and Islamic economic policies. Furthermore, Aswaja's moderate and contextual approach helps to align the principles of sharia with the needs of Indonesia's diverse society.</em> <em>Thus, Aswaja's thinking not only serves as a theological reference but also as a source of social and legal legitimacy in the development of sharia economic law regulations in Indonesia.</em></p> <p><strong>Keywords</strong>: <em>Aswaja</em><em>, Islamic Thought, Sharia Economic Law,Regulation Indonesia</em></p>2025-11-27T00:00:00+00:00Copyright (c) 2025 ISTISMARhttps://ejournal.unwaha.ac.id/index.php/istismar/article/view/6567STARLING PENJUAL KOPI PASURUAN GO SYARIAH: POTRET TENTANG QRIS BSI MENEMBUS EKOSISTEM JALANAN2025-11-30T06:32:31+00:00Muhammad Saiful Anamanammsaifulanam@gmail.comPeni Haryantipeniharyanti@unhasy.ac.id<p><em>This study discusses the phenomenon of Starling, or mobile coffee vendors in Pasuruan, who have begun to utilise BSI Go Syariah QRIS as a medium for daily transactions. This phenomenon not only demonstrates a change in the economic behaviour of street micro-businesses, but also illustrates the effectiveness of BSI's marketing in penetrating the informal economic segment. This study aims to explore how the use of BSI QRIS by Starling vendors can support ease of transaction, enhance customer experience, and strengthen BSI's position as a provider of sharia financial services that is adaptive to grassroots market needs. The research method uses a descriptive qualitative approach through field observations and in-depth interviews with Starling vendors and customers in the Pasuruan area. The results show that BSI's QRIS facilitates cashless transactions, reduces the risks associated with cash, and helps merchants record their daily income more regularly. From a marketing perspective, the adoption of BSI's QRIS in the street ecosystem is evidence of the success of BSI's market penetration strategy, particularly because customers feel more comfortable conducting sharia-compliant transactions. However, challenges remain in the form of digital literacy and internet connectivity issues. Overall, BSI's QRIS has proven effective in expanding BSI's marketing reach and strengthening its presence in the street economy</em><em>.</em></p>2025-12-01T00:00:00+00:00Copyright (c) 2025 ISTISMAR