Journal of Sharia Economics <p align="justify"><strong><a href=""><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">E-ISSN: 2774-3543 </span></span></a><br><a href=";1606190507&amp;2621&amp;&amp;"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">P-ISSN: 2774-3551</span></span></a></strong></p> <p align="justify"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><strong>&nbsp;</strong></span></span></p> <table cellspacing="0" cellpadding="0"> <tbody align="top"> <tr> <td><strong>Accreditation&nbsp;</strong></td> <td> <div>: Sinta 5</div> </td> </tr> <tr> <td> <div><strong>ISSN</strong></div> </td> <td> <div>: 2774-3543 (online) | 2774-3551 (print)</div> </td> </tr> <tr> <td> <div><strong>DOI Prefix</strong></div> </td> <td> <div>: <a href="">10.22373/jose</a> <img src="" alt=""></div> </td> </tr> <tr> <td> <div><strong>Editor in Chief</strong></div> </td> <td> <div>:&nbsp;<a href=";src=al&amp;sid=12d70e114590a0e302847c0eea3fecf0&amp;sot=al&amp;sdt=al&amp;sl=46&amp;s=AUTHLASTNAME%28Ibrahim%29+AND+AUTHFIRST%28Azharsyah%29&amp;st1=Ibrahim&amp;st2=Azharsyah&amp;orcidId=&amp;selectionPageSearch=anl&amp;reselectAuthor=false&amp;activeFlag=true&amp;showDocument=false&amp;resultsPerPage=20&amp;offset=1&amp;jtp=false&amp;currentPage=1&amp;previousSelectionCount=0&amp;tooManySelections=false&amp;previousResultCount=0&amp;authSubject=LFSC&amp;authSubject=HLSC&amp;authSubject=PHSC&amp;authSubject=SOSC&amp;exactAuthorSearch=false&amp;showFullList=false&amp;authorPreferredName=&amp;origin=searchauthorfreelookup&amp;affiliationId=&amp;txGid=e77a10e879587cc25d2b6915bdf73605" target="_blank" rel="noopener">Farid Fathony Ashal, Lc., MA</a></div> </td> </tr> <tr> <td><strong>Managing Editor</strong></td> <td>:&nbsp;<a href="" target="_blank" rel="noopener">Riza Aulia, M.Sc</a></td> </tr> <tr> <td><strong>Publisher</strong></td> <td>:&nbsp;<a href="" target="_blank" rel="noopener">Universitas Islam Negeri Ar-Raniry</a></td> </tr> <tr> <td> <div><strong>Frequency</strong></div> </td> <td> <div>: Two issues per year (June and December)</div> </td> </tr> <tr> <td valign="top"> <div><strong>Indexing</strong></div> </td> <td> <div>: Moraref | Garuda | Google Scholar&nbsp;etc.&nbsp;</div> </td> </tr> </tbody> </table> <p align="justify"><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"><strong><br><br>Journal of Sharia Economics</strong> is presented as an effort to promote Islamic economics and finance knowledge to the world. Its establishment is aimed to be a scholarly journal with an international reputation. It is intended as a credible place for academicians and researchers across the globe to disseminate their works, studies, papers, and other research formats.</span><span style="vertical-align: inherit;">. </span></span><strong><span style="vertical-align: inherit;"><span style="vertical-align: inherit;">Journal of Sharia Economics</span></span></strong><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> is published by the Program Studi Magister Ekonomi syariah, Universitas Islam Negeri Ar-Raniry, Banda Aceh, Indonesia. <strong>Journal of Sharia Economics</strong></span></span><span style="vertical-align: inherit;"><span style="vertical-align: inherit;"> is published in open access format which enables readers to freely access and downloads the articles.</span></span></p> en-US (Farid Fathony Ashal) (Farid Fathony Ashal) Mon, 05 Dec 2022 13:36:57 +0700 OJS 60 AKTUALISASI PERAN PEMERINTAH DALAM MENJAGA STABILITAS HARGA MELALUI MEKANISME TAS’ĪR <p>The market mechanism in the Islamic muamalah system is based on the free market (free market, sūq al-ḥurrah). Moeslem Scholars agreed that the law of origin of pricing (tas'īr) was forbidden and should not be done. However, the fukaha are not cohesive in establishing the legal position of tas'īr when there is a tyranny or monopoly of iḥtikār goods. This study is a library research, with a conceptual approach. The study aims to find out the opinion of Wahbah al-Zuḥailī regarding the actualization of the role of the government in maintaining price stability through tas'īr, and also to know its relevance to the current context. The results showed that Wahbah Al-Zuḥailī recognized the ability of tas'īr when there was a need (al-ḥājah). The actualization of the role of the government in maintaining stability and normalization of prices can be carried out in the event of one of two indicators, namely the practice of iḥtikār and traders selling goods at a profit greater than 30% of the original price. The government is authorized and justified in imposing ta'zr administrative sanctions, such as imprisonment, fines, and shop closing sanctions (revocation of business licenses). Al-Zuḥailī's view is relevant to the current context, because in developing countries, especially in Indonesia, the government also has the authority to conduct market supervision, market intervention, and issue price policies when there is a shortage and prices of basic necessities are high. In Indonesia, the government's authority to maintain price stability is regulated in Law Number 7 of 2014<em>.</em></p> <p><em>&nbsp;</em></p> <p><strong><em>Keywords: Actualization, Government role, Price Stability, Tas'īr</em></strong></p> noufal azmi Copyright (c) 2022 noufal azmi Mon, 05 Dec 2022 13:00:44 +0700 STRATEGI PENGEMBANGAN PRODUK PEMBIAYAAN MUSYARAKAH PT. BANK ACEH KEPADA PELAKU USAHA UMKM KOTA BANDA ACEH DI MASA PANDEMI <p>This study aims to determine the contribution of gampong funds in the development of BUMG Amarabu, Simeulue Cut District, Simeulue Regency and the role of BUMG in the economic development of the community in Amarabu. This study uses a qualitative approach with a descriptive type of research. Informants consisted of geuchik, village officials, community leaders, BUMG administrators and the community. Data collection techniques are interviews, observation, documentation and literature study. Based on the results of the study, it is known that the contribution of gampong funds in the development of BUMG, Simeulue Cut District, Simeulue Regency includes increasing the income of the BUMG itself through community economic efforts so that Gampong-Owned Enterprises are always active in carrying out their activities in Gampong Amarabu. The role of Gampong-Owned Enterprises in the economic development of the community in Amarabu, Simeulue Cut District, Simeulue Regency includes supporting the strengthening of community business activities in collaborating with various parties who have potential in the field of improving the Amarabu community's business. Accommodating and fostering the community in business activities so that it becomes a source of income that is able to foster motivation and innovation in the business world. Increase community economic resilience through business activities that can create jobs.</p> <p><strong><em>Keywords: </em></strong><strong><em>Development Strategy, Musyarakah Financing Products, Bank Aceh, MSME</em></strong><strong><em>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </em></strong></p> nada nafisah, Farid Fathony Ashal, Riza Aulia Copyright (c) 2022 nada nafisah Mon, 05 Dec 2022 13:04:04 +0700 BITCOIN DI INDONESIA: SELAIN HARAM, ANCAMANKAH TERHADAP LINGKUNGAN? <p>Bitcoin is the first cryptocurrency that is widely accessible and the most sought after by investors working in the Cryptocurrency world. At the same time, the price of Bitcoin continues to fluctuate, raising concerns about inflation and monetary aggregates in Indonesia. Therefore, Bank Indonesia (BI) prohibits financial institutions in Indonesia from using cryptocurrencies as a means of payment or financial services. This is also supported by the Indonesian Ulema Council (MUI) institution by prohibiting the use of cryptocurrencies in Indonesia. Apart from the policies of Bank Indonesia and the MUI, there are several factors that cause the use of cryptocurrencies to be prohibited in Indonesia, including having a negative impact on the economy and the environment.</p> <p><em><strong>Keyword: Cryptocurrency; Bitcoin; Indonesian policy; environmental impact.</strong></em></p> Alfian Alfian Copyright (c) 2022 Alfian Alfian Mon, 05 Dec 2022 13:06:13 +0700 PRAKTIK MEKANISME PENETAPAN HARGA JUAL BELI PADI DI KABUPATEN ACEH BESAR <p>The purpose of this study is to discuss the practice of determining the selling and buying price of rice that is practiced by the people in Aceh Besar district. In this practice, there are two times for determinations the sale and purchase price of rice which is considered to contain an element of gharar in the second price determination. This research will explain: how the mechanism of the practice, a review of Islamic law related to the practice, whether the practice can be practiced in other areas. This study uses field research methods with data collection techniques in the form of interviews. The results of the study concluded: (1) In the practice of two times price determination buying and selling rice, there are three types of contracts used, that is the ba'i, hybrid contract between ba'i and wadiah and a hybrid contract between ba'i and qardh. (2) The practice using a&nbsp;ba'i&nbsp;is legal by refers to the rules of ushul fiqh related to the basic law of muamalah that&nbsp;is&nbsp;mubah. The legality is also supported by&nbsp;urf&nbsp;which is able to bring benefit even though it contains elements of gharar in it. The element of gharar in the second price fixing is considered gharar <em>yasir</em> which is legal because it has become <em>'urf </em>that is able to present benefits and mutual pleasure towards the consequences that arise from the gharar element. Two other types of contracts, a hybrid contract between ba’i with wadiah and a hybrid contract between ba’i with qardh according to the Islamic law riview, they are not contrary to Islamic Law. (3) Although in real terms this practice can increase farmers' income, this practice cannot be practiced in other areas.</p> <p><strong><em>Keywords</em></strong><strong><em>:</em></strong><strong><em> Price determination mechanism, Gharar, Hybrid Contract</em></strong></p> Reza Darmawan, Armiadi Musa, Hafas Furqani Copyright (c) 2022 Reza Darmawan, Armiadi Musa, Hafas Furqani Mon, 05 Dec 2022 13:08:29 +0700 HUBUNGAN ANTARA GRATITUDE DENGAN KETERIKATAN KERJA PADA KARYAWAN PT. BANK ACEH SYARIAH CABANG JANTHO <p>This study was conducted to determine the relationship between gratitude and work engagement on employees of PT. Bank Aceh Syariah Jantho Branch. The study used a quantitative approach based on primary data (through a questionnaire) with a total sample of 42 employees of PT. Bank Aceh Syariah Jantho Branch with saturation sampling technique. Data analysis using Pearson Correlation test. The results showed that the relationship between the variables of gratitude and work engagement showed a positive and strong direction as seen from the correlation value of r 0.762 and there was a significant relationship between gratitude and work attachment to employees, with a significance value of p 0.00 &lt; 0.01, the higher the gratitude possessed employees the higher their work engagement will be.</p> <p><strong><em>Keywords: Gratitude, Work Engagement, Employees</em></strong></p> Feny Ghaisani, Farid Fathony Ashal, Ismail Rasyid Ridha Copyright (c) 2022 Feny Ghaisani Mon, 05 Dec 2022 13:09:49 +0700 ANALISIS PADA UMKM MEDAN MARELAN DALAM EKOSISTEM HALAL VALUE CHAIN <p>This study aims to analyze the extent to which the application of the halal value chain chain ecosystem to the Medan Marelan MSME actors and to analyze the value chain in generating added value for the Medan Marelan MSME actors. This research was obtained on the assumption that the halal ecosystem chain can produce a value chain. This research method uses qualitative research, with the type of case study research. Data collection techniques used in this research are literature study, observation, interviews, and documentation. While the data analysis in this study used qualitative analysis according to Miles and Huberman. The data validity technique uses the triangulation method. Based on the results of research and data analysis, it is concluded that many MSME actors know about what and how the halal ecosystem is so that MSME actors in the Medan Marelan area have run the halal ecosystem well. And there are still few MSME actors who know the value chain so that a well-run halal ecosystem does not produce added value for MSME actors. This study states that the halal ecosystem can produce a value chain but it is unfortunate that many MSME actors do not know what and how the value chain is.</p> <p><strong><em>Keywords: Halal Ecosystem; Value Chain; MSMEs</em></strong></p> Aulia Syarif Nasution, Mutiah Khaira Sihotang Copyright (c) 2022 Aulia Syarif Nasution Lia Mon, 05 Dec 2022 13:20:14 +0700 PENGARUH LITERASI KEUANGAN DAN INKLUSI KEUANGAN TERHADAP KINERJA KEUANGAN PADA BSI REGION MEDAN <p>This study aims to determine the effect of financial literacy and financial inclusion on financial performance in the region medan BSI. The data collection technique in this study used a questionnaire which is in the from of a data collection technique which is carried out by providing questions ang written statements to respondents to be answered. The population in this study was all employees in the BSI Medan Region. The sample was taken using a saturated sampling technique (total sampling) with a total of 17 employees. The conclusion of the financial inclusion research affects financial performance, financial literacy affects finances, simultaneously financial literacy ang financial inclusion affects financial performance in BSI Medan Region.</p> <p><strong><em>Keywords: Financial Literacy; Financial Inlusion; Financial Performance</em></strong>.</p> Yusti Laila, Mutiah Khaira Sihotang Copyright (c) 2022 yusti laila Mon, 05 Dec 2022 13:21:38 +0700 PENGARUH KUALITAS LAYANAN MOBILE BANKING TERHADAP KEPUASAN NASABAH BANK ACEH SYARIAH DI KECAMATAN KUTA ALAM <p>Mobile banking services answer all the needs of customers in digital transactions, but also have problems with the lack of service features offered, so that they are not in line with customer expectations. The purpose of this study is to reveal the effect of mobile banking service quality on customer satisfaction at Bank Aceh Syariah in Kuta Alam District. This study uses a quantitative approach. The results showed that the quality of mobile banking services had a positive and significant effect on customer satisfaction, based on the coefficient of determination (R2) test, it was obtained at 0.400 which means that the variable (X) of service quality can partially explain the relationship with the customer satisfaction variable (Y) by 40% and the remaining 60%. , explained by other variables not explained in this study.</p> <p><strong><em>Keywords: Service Quality, Customer Satisfaction, Mobile Banking</em></strong></p> Intan Diva, Farid Fathony Ashal, Ismail Rasyid Ridha Copyright (c) 2022 intan diva intan Mon, 05 Dec 2022 13:12:05 +0700 PENGARUH KETERSEDIAAN FITUR DAN PERSEPSI RISIKO TERHADAP MINAT NASABAH MENGGUNAKAN MOBILE BANKING PADA BANK SYARIAH INDONESIA KANTOR CABANG PEMBANTU ULEE KARENG <p>The existence of Mobile Banking has a positive impact on the user because it drives transactions easier. This study aimed to specify the effect of feature availability and risk perception on customers' wishes to use Mobile Banking at BSI KCP Ulee Kareng. This study utilizes a quantitative research method with a purposive sampling technique in the form of distributing 65 questionnaires to the BSI KCP Ulee Kareng customers and utilizing multiple linear regression analysis techniques. The results show that the availability of features partially has an effect, while the other, risk perception, does not affect customers' wishes. However, the availability of features and risk perceptions simultaneously affect customers' wishes to use Mobile Banking.</p> <p><em><strong>Keywords: Feature Availability, Risk Perception, and Customer Interest in Using Mobile Banking</strong></em></p> Ulfanazirah, Farid Fathony Ashal, Ismail Rasyid Ridha Copyright (c) 2022 ulfanazirah Mon, 05 Dec 2022 13:18:33 +0700