Bukhori: Kajian Ekonomi dan Keuangan Islam

Assessment, Ujrah, and Promotion Influence on Islamic Gold Pawn Decisions in Baturaja

Diska Riani — 2025-07-03

Purpose: This study aims to analyze the influence of estimated value, ujrah (service fee), and promotional activities on the use of Islamic gold pawn (rahn) financing products at the Baturaja Islamic Pawnshop. Design/methodology/approach: This study investigates the partial and simultaneous effects of these variables and identifies the most dominant factor influencing customer decisions.

Methodology/approach: This research employs a descriptive quantitative method using primary data collected through questionnaires distributed to 98 respondents who are active customers of Pegadaian Syariah Baturaja. Additional data were obtained from documentation and observations. The sampling technique used was purposive sampling, applying the Slovin formula with a 10% margin of error. Data analysis was conducted using multiple linear regression with SPSS version 25.

Results/findings: The results indicate that the estimated value, ujrah, and promotion each have a positive and significant effect on the use of Islamic gold pawn financing products. Simultaneously, the three variables significantly influenced customers’ decisions to choose the rahn product. The adjusted R-square value of 0.826 demonstrates that 82.6% of the variance in product usage can be explained by these variables.

Conclusions: The findings suggest that higher estimated values, lower ujrah, and more effective promotional efforts positively impact customer interest in Islamic gold pawn products.

Limitations: This study was limited to one branch, potentially affecting its generalizability across different regions.

Contribution: The findings provide valuable insights for improving marketing strategies and expanding customer engagement with Islamic financial products, particularly Rahn.

Employee Performance in Islamic Economics: AIS, Work Discipline, Organizational Culture and Incentives

Viki Anggrayani — 2025-07-10

Purpose: This study aimed to analyze the effect of accounting information systems, work discipline, organizational culture, and incentives on employee performance from the perspective of Islamic Economics (a study on PT Tunas Dwipa Matra Raden Intan).

Methodology/approach: This study used a quantitative approach. Sample selection in this study was performed using a purposive sampling technique, which obtained 30 samples.

Results: The results of this study prove that accounting information systems, work discipline, organizational culture, and incentives partially or simultaneously have a positive and significant effect on employee performance in PT Tunas Dwipa Matra. Obtained the value of The coefficient of determination (R Square) was 0.840, which shows that 84% of the variation in the dependent variable can be explained by the independent variables together.

Conclusions: Accounting systems, discipline, culture, and incentives improve performance but face issues of teamwork and fairness. Aligning with Islamic values, the company should enhance its systems and apply just, transparent rewards.

Limitations: The scope of this study was limited to the influence of accounting information systems, work discipline, organizational culture, and incentives; therefore, other factors that could potentially affect employee performance beyond these variables were not included in the analysis.

Contribution: This research contributes to a comprehensive understanding of the influence of accounting information systems, work discipline, organizational culture, and incentives on employee performance at PT. Tunas Dwipa Matra, with an Islamic economic perspective that provides a dimension of ethics and Shariah values in its analysis.

The Role of Islamic Fintech in Sustainable Finance: Inclusion and Digitalization

Niswa Kamila — 2025-07-10

Purpose: This study aims to analyze the effect of arm muscle training on improving chest pass skills in basketball, a fundamental technique essential for effective ball distribution between players.

Methodology/Approach: A literature review method was employed by examining 18 scientific sources, including national and international journals and academic books published between 2004 and 2024. Thematic content analysis was used to identify the relationship between arm muscle training and chest pass proficiency.

Results/Findings: The findings indicate that arm muscle training such as push-ups, weightlifting, and medicine ball chest pass drills significantly improve the power, accuracy, and distance of passes. These exercises also contribute positively to other basic basketball skills such as dribbling, shooting, and additional passing techniques. Statistical data from multiple studies confirm the effectiveness of such training on technical performance.

Conclusions: Arm muscle training plays a vital role in enhancing chest pass effectiveness, particularly through the development of biceps and triceps strength. Therefore, this form of training should be integrated as a core component in structured basketball skill development programs.

Limitations: This study is limited to a literature-based analysis without direct experimental validation, suggesting that further empirical research is needed to confirm the findings in real training environments.

Contribution: The study offers a systematic and comprehensive synthesis of existing literature, which has not been extensively reviewed in this context, and provides practical guidance for coaches in designing targeted and evidence-based arm muscle training programs.

A Halal Characteristic of Behavioral Intention and Its Implication to the Purchase

Siti Wardah Pratidina Nasution — 2025-07-03

Purpose: This study proposes to examine and prove empirically about influence of Halal Characteristic consist of Halal Awareness and Halal Logo on the Behavioral Intention of Halal Food Product.

Methodology/Approach: The research period taken throughout 2024 until the end of the year has the potential to be biased when obtaining information from respondents. Moreover, the extent of the study is consumers in Medan City, Indonesia. Sampling criteria use a purposive technique.

Results/Findings: The halal characteristic from awareness and logo have a positive and insignificant influence on Behavioral Intention and Purchase Intention of Halal Food. Behavioral Intention has a positive and significant influence on the Behavioral Intention and Purchase Intention of Halal Food in Medan City, Indonesia.

Conclusions: Halal awareness and logos have no significant effect, while behavioral intention strongly drives purchase intention. Broader scope and added variables are recommended for future research.

Limitations: The study period taken throughout 2024 until the end of the year has the potential to be biased when obtaining information from respondents. In addition, the scope of this study is limited to only consumers in Medan City, Indonesia.

Contribution: This study is expected to be beneficial for consumers who want to take an attitude, desire, or intention to buy halal food. Then, an entrepreneur can use this as information in evaluating their business strategies.

Integration of Fiqh Muamalah Teaching in Economic Education at Traditional Pesantren

Suadi Suadi — 2025-07-07

Purpose: This study aims to analyze the integration of Fiqh Muamalah in economic education at Pondok Pesantren Sidogiri. It explores how Fiqh Muamalah teachings are applied in the context of Islamic economic education at a traditional pesantren.

Methodology/Approach: The research was conducted at Pondok Pesantren Sidogiri located in Pasuruan. The study uses a field research approach with a qualitative descriptive design. Data collection techniques involved interviews, observations, and documentation.

Results/Findings: The study found that Pondok Pesantren Sidogiri successfully integrates Fiqh Muamalah with Islamic economic education through collective ijtihad and integrative ijtihad approaches. The pesantren also applies Islamic principles in its pesantren cooperatives and sharia financial institutions, contributing to the economic empowerment of the community.

Conclusion: The findings indicate that the integration of Fiqh Muamalah at Pondok Pesantren Sidogiri strengthens the role of pesantren not only as a center of Islamic scholarship but also as an institution for developing Islamic economic practices. By contextualizing classical teachings with contemporary issues, the pesantren provides a model of how traditional Islamic education can remain relevant and contribute to community-based economic empowerment.

Limitations: This study is limited to one pesantren, so the findings may not fully reflect the practices of other pesantren. The use of a descriptive qualitative method means that broad generalizations cannot be made.

Contribution: This study contributes to the development of Islamic economic education at pesantren and can serve as a reference for further research on the integration of Fiqh Muamalah in economic education at traditional pesantren.

Exploring the Digital Discourse: Representations and Perceptions of Islam Nusantara in Online Resources

Sokhi Huda — 2025-07-12

Purpose: This study investigates how Islam Nusantara is represented, contested, and legitimized across digital platforms, focusing on its role as both a cultural-religious discourse and a site of ideological negotiation.

Methodology/approach: A mixed-method triangulation was employed, combining quantitative content analysis, qualitative framing analysis, and philological examination of digitized manuscripts. Validity and reliability were maintained through systematic coding, intercoder agreement, peer debriefing, re-coding cycles, and cross-referencing of manuscript variants.

Results/findings: The quantitative findings reveal that Islam Nusantara discourse appeared in 2,354 posts across three major platforms, with 62% inclusivist frames, 28% nationalist frames, and 10% critical frames. Frequently recurring terms such as religious moderation, Islam rahmatan lil-‘alamin, and local culture confirm its online resonance. Framing analysis uncovers inclusivist, nationalist, and critical lenses shaping the discourse, while philological analysis demonstrates continuity with historical traditions of Islam–local culture synthesis.

Conclusions: Islam Nusantara’s digital representation is multi-dimensional, shaped by both contemporary ideological contestation and deep-rooted textual legitimacy. The integration of quantitative, qualitative, and philological evidence provides a comprehensive framework for understanding religious discourse in the digital age.

Limitations: The data are time-bound (up to June 2023) and limited to selected digital platforms, which may not fully capture the broader scope of Islam Nusantara debates.

Contribution: The study theoretically introduces a triangulated methodological model (content, framing, philological) in digital religion research. Practically, it highlights Islam Nusantara’s potential to strengthen moderate Islamic discourse and support digital religious policies that foster inclusivity and cultural integration.