Izdihar: Jurnal Ekonomi Syariah

PENANGANAN PEMBIAYAAN BERMASALAH DI BANK SUMSEL BABEL CAPEM MUARA KELINGI

Ican Sanjaya — 2025-10-31

Problematic financing or Non-Performing Financing (NPF) is a major challenge in the Islamic banking industry, as it can disrupt operational stability and reduce public trust in Islamic financial institutions. This study aims to analyze the strategies and effectiveness of handling problematic financing at Bank Sumsel Babel Capem Muara Kelingi. A descriptive qualitative approach was employed, with data collected through direct observation, interviews, and documentation during the author's internship. The findings indicate that NPF management is carried out through two main approaches: preventive and curative. Preventive efforts include financing feasibility analysis and customer education, while curative measures involve restructuring, renegotiation, and collateral execution. Additionally, the utilization of collateral and financing recovery programs are implemented with a prudential approach, while upholding Islamic values such as justice and mutual consultation. Through these integrated strategies, Bank Sumsel Babel Capem Muara Kelingi can minimize the risk of losses due to NPF and maintain the quality of its financing portfolio

PENGARUH PROMOSI GAYA HIDUP HALAL DAN KESADARAN HALAL TERHADAP PERUBAHAN PERILAKU KONSUMEN GEN Z KOTA DEPOK

Jihaan Syariifah — 2025-10-05

This study aims to examine how the promotion of halal lifestyles on social media pages, such as Instagram and halal awareness, both partially and simultaneously, influences changes in Muslim consumer behavior, especially Generation Z in Depok City. By using multiple regression analysis techniques, this study successfully collected data from 100 respondents through a questionnaire. The collected data were processed using SPSS 23. The results show that halal lifestyle promotion on Instagram and halal awareness, both partially and simultaneously, have a significant effect on changes in consumer behavior. In conclusion, this study encourages increasing the promotion of halal lifestyles through social media among the younger generation, which has a positive impact on how their consumption behavior changes toward a better and more comprehensive halal lifestyle. Therefore, halal industry players and halal lifestyle influencers can continue to increase promotion of the halal lifestyle through their respective social media.

MANAJEMEN KINERJA DALAM SUMBER DAYA MANUSIA ISLAMI

Dewi Ayu Puspita Sari — 2025-10-05

Performance management is a crucial element in managing human resources (HR) to achieve organizational goals effectively and efficiently. This research aims to examine the application of Islamic principles in HR management and identify effective strategies in improving employee performance, with a focus on creating a harmonious and productive work environment. The method used is descriptive qualitative through a literature study approach. The results showed that the application of Islamic values, such as tawhid, ihsan, amanah, justice (adl), and deliberation (shura), contributed positively to the improvement of employee welfare, loyalty, and job satisfaction. Employee welfare, loyalty, and job satisfaction. Performance management based on Islamic principles not only increases productivity, but also forms an ethical and sustainable work culture.

Keywords: Human Resources, Islamic Principles, Performance Management

ANALISIS PERILAKU KONSUMSI MAHASISWA DI E-MARKETPLACE DALAM PERSPEKTIF LITERASI KEUANGAN SYARIAH

Moh. Choirul Atok — 2025-10-05

The rapid and massive development of digital technology has changed the consumption patterns of students. This phenomenon raises concerns about excessive consumption behavior and is contrary to sharia principles, especially for students who have low sharia financial literacy. The purpose of this study is to analyze the consumption behavior of students in utilizing e-marketplaces and evaluate the role of sharia financial literacy in forming wise consumption and in accordance with Islamic values. This study uses a qualitative approach with a descriptive-analytical method through a literature review and observation of college students. The results of the study show that student consumption patterns tend to be due to trends, lifestyles, and paylater. Sharia financial literacy helps control and manage finances related to the principles of maqashid sharia and Islamic ethics. Strengthening the role of campus sharia financial institutions, educational approaches, utilization of digital media, and campus sharia communities are strategies in forming a generation of financially ethical muslims.

Keywords: Consumption behavior, e-marketplace, Islamic financial literacy.

PELAKSANAAN GERAKAN INFAQ HARIAN SEBAGAI SARANA EDUKASI FILANTROPI ISLAM PADA SISWA SDN KEPANJEL KIDUL 1 KOTA BLITAR

Akhmad Rifa’i — 2025-10-05

The phenomenon of declining social concern among the younger generation highlights the growing importance of instilling character education based on religious values from an early age. One form of implementing these values is the daily infaq movement carried out in elementary schools. This study was conducted at SDN Kepanjenkidul 1, Blitar City, which regularly organizes an infaq program every Friday along with a daily savings activity managed by classroom teachers. The program functions not only as a social activity but also as an educational medium for Islamic philanthropy that is relevant to students’ character formation.

This research employed a descriptive qualitative approach. The subjects consisted of 70 students (34 boys and 36 girls) and 8 teachers. Data were collected through observation, interviews, and documentation, then analyzed using the interactive analysis model of Miles & Huberman, which includes data reduction, data display, and conclusion drawing.The findings indicate that the daily infaq activity generates an average fund of IDR 24,000–30,000 per week, managed simply yet transparently by the classroom teachers. Moreover, the daily savings program contributes to training students in personal financial management and promoting a thrifty lifestyle. Teachers perceive this activity as effective in developing caring attitudes, a spirit of sharing, and a sense of togetherness among students.Thus, the implementation of the daily infaq movement at SDN Kepanjenkidul 1, Blitar City, has proven to be not only socially beneficial but also educationally significant. This program successfully internalizes religious, social, economic, and character values simultaneously, making it a potential model for Islamic philanthropic education in elementary schools

IMPLEMENTASI TA’AWWUN DALAM PRAKTIK QARDH SEBAGAI SOLUSI EKONOMI SYARIAH BERBASIS MASLAHAH

Ansori ansori — 2025-10-05

This study discusses the implementation of the ta’awwun (mutual assistance) principle in qardh practice as a Sharia economic solution based on maslahah (public interest). The ta’awwun principle emphasizes solidarity and social concern as the foundation for community welfare. Through the qardh hasan contract, this concept is realized as an interest-free loan aimed at helping those in need for productive and emergency purposes. This research employs a qualitative method with normative and descriptive approaches by analyzing the Qur’an, Hadith, and relevant fiqh and Islamic economic literature. The findings reveal that applying ta’awwun through qardh plays a vital role in strengthening the community’s economic resilience, reducing social inequality, and promoting a just and sustainable financial system. This practice not only provides economic benefits but also embodies spiritual and moral values aligned with the objectives of Islamic law (maqāṣid al-syarī‘ah) to achieve public welfare (maslahah ‘ammah). Hence, implementing qardh hasan in Islamic financial institutions such as BMTs and Islamic Micro Waqf Banks serves as a tangible step toward building an inclusive and socially just Islamic economy.

KEMANDIRIAN USAHA MIKRO MELALUI STRATEGI PEMBERDAYAAN DALAM PENGELOLAAN ZAKAT PRODUKTIF LEMBAGA AMIL ZAKAT: ANALISIS MAQASHID SYARIAH

Uswatun Chasanah — 2025-10-05

ABSTRACT

Micro, Small, and Medium Enterprises (UMKM) play a crucial role in the country's economic growth. This is because UMKM can absorb a significant workforce, thereby alleviating poverty and equitable distribution of income. However, micro-enterprises still face numerous challenges to achieve business independence. One such challenge is empowering Amil Zakat Institutions (LAZ) to manage productive zakat. This productive zakat management plays a strategic role in promoting the economic independence of those entitled to receive zakat. LAZ can develop five empowerment theories and concepts: Empowerment Theory, Capacity Building Theory, Social Network Theory, Sharia Economic Theory, and the Economic Empowerment Model. Based on the author's analysis, the empowerment concepts developed by LAZ in their programs align with the objectives of sharia law: safeguarding religion, life, family, intellect, and wealth.

Keywords: Micro-Enterprise Independence, Empowerment, Productive Zakat