At-Tawazun, Jurnal Ekonomi Syariah

DAMPAK DIGITALISASI TERHADAP INKLUSI KEUANGAN DI BANK SYARIAH INDONESIA (BSI) KOTA SAMARINDA

Miftahul Jannah, Kamsiah, Agus Santoso — Mon, 30 Jun 2025 00:00:00 +0000

Digitalization in the financial sector has brought significant changes in the way financial services are delivered and accessed, including in Islamic financial institutions such as Bank Syariah Indonesia (BSI). Digital technology has great potential to increase financial inclusion by providing faster, cheaper, and more accessible services, of course, which must be in accordance with sharia principles. The adoption of technologies such as mobile banking, internet banking, and e-wallets allows customers to access services anytime and anywhere. This study uses a mixed method with a quantitative survey approach and in-depth descriptive analysis and will be carried out in Samarinda City in 2024 with data from BSI in Samarinda in 2023. The results of this study show that BSI's digital services in Samarinda City have been widely adopted, with the highest adoption in ATM (100%) and Mobile Banking (90%) services due to ease of access, transaction speed, and good security.

PENGARUH IKLAN PRODUK, KUALITAS PRODUK, DAN SERTIFIKASI HALAL TERHADAP KEPUTUSAN PEMBELIAN KOSMETIK MAKE OVER (STUDI KASUS KONSUMEN TOKO DAN+DAN WIDYA ASRI SERANG)

Najya Agustiawati, Moh Mukhsin, Muhammad Abduh — Mon, 30 Jun 2025 00:00:00 +0000

This study aims to determine the influence of advertising, product quality, and halal certification on cosmetic consumer purchase decisions. This study used a Likert scale measuring tool, using IBM SPSS Statistics 30 software. The results of regression measurement found that advertising, product quality and halal certification contributed 69.3% to cosmetic purchase decisions. The results of the study partially (t-test) stated that the advertising variable had a tcount>ttable (16,617>1,991) and a significant value smaller than the probability value (0.000 < 0.05), this means that the advertisement had a significant positive effect on the decision to purchase cosmetics, the product quality variable had a tcount>ttable (3,551>1,991) and a significant value smaller than the probability value (0.001<0.05) this shows that the product quality has a positive effect Significant to the purchase decision, the halal certification variable has a tally of tcount<ttable (158>1,991) and a significant value greater than the probability value (875>0.05) this shows that halal certification does not have a significant positive effect on cosmetics purchase decisions. The results of the simultaneous study (f-test) have a tcount>ftable value (458,576>2.72) and a probability value (sig) of 0.000 so that the value of sig < 0.05 (0.000 < 0.05) can be concluded that advertising, product quality, and halal certification have a positive and significant effect on the decision to purchase makeover cosmetics at the Dan+Dan Widya Asri Serang store.

DAMPAK JUDI ONLINE TERHADAP DISORGANISASI SOSIAL DI KALANGAN MAHASISWA BANDUNG

Andini Aulia Fitri, Zahra Laila Salsabila, Lina Marlina — Mon, 30 Jun 2025 00:00:00 +0000

The rise of online gambling practices among students is an increasingly worrying issue amid the rapid advancement of digital technology. This study aims to identify the factors that cause student involvement in online gambling and examine the social, psychological, economic, and academic impacts it causes. Using a descriptive qualitative approach, data was collected through literature studies and in-depth interviews. The findings show that internal impulses such as curiosity, economic pressure, and the expectation of instant profits, as well as external factors such as the influence of a friendly environment and ease of internet access, contribute greatly to the increase in student participation in online gambling. This activity has been proven to cause various negative consequences, including financial losses, mental disorders, decreased learning achievement, and potential legal problems. In response, integrated efforts are needed in the form of increasing financial literacy, strengthening regulations on online platforms, and active support from families, campuses, and the government in tackling the spread of online gambling in the student environment.

ANALISIS BONUS KOIN SHOPEE DALAM PERSPEKTIF EKONOMI SYARIAH

Khamal Al-Kahfi Bunyamin, Imrona Hayati, Achmad Fahruddin — Mon, 30 Jun 2025 00:00:00 +0000

The development of digital technology has brought significant transformations in the transaction system, including the emergence of reward systems such as Shopee Coins. Shopee Coins are official virtual currencies given to Shopee application users through various promotional activities and transactions. This phenomenon is interesting to study from the perspective of sharia economics in order to assess its suitability with Islamic principles. This research is library research with a qualitative and normative approach, using primary data from the books Fiqih Muamalah by Subairi and Fiqih Muamalah Maliyah by Jaih and Hasanudin. Secondary data were also obtained from the results of interviews and analyzed to obtain descriptive conclusions. The results of the study show: first, the mechanism of obtaining Shopee Coins includes purchase transactions, participation in promotions and events, and the completion of certain missions. The system adopts gamification and loyalty to increase user engagement. Second, from the point of view of sharia economics, this system is permissible (halal) as long as it does not contain prohibited elements, such as riba, gharar (ambiguity), and maysir (gambling). Third, this system can be assessed in accordance with sharia if it is transparent and fair. Fourth, potential problems arise if there is speculation about rewards or unclear coin values. As an alternative solution, the reward system can be developed with akad ju'alah (promise of reward for a result) or tabarru' (grant) with sharia supervision, to ensure conformity with the principles of justice and ethics in Islamic muamalah.

ANALISIS PELUANG DAN ANCAMAN PERDAGANGAN PRODUK PERIKANAN: STUDI KASUS PERDAGANGAN INDONESIA DENGAN TIONGKOK

Muti Larasati, Daspar — Mon, 30 Jun 2025 00:00:00 +0000

As an archipelagic country with abundant marine wealth, Indonesia has great potential in developing the fisheries sector as a leading non-oil and gas export commodity. This research aims to analyze the opportunities and threats of trade in Indonesian fishery products with China within the framework of APEC cooperation. The method used is a qualitative descriptive approach with literature studies, using secondary data obtained from various ministry reports, scientific journal articles, economic news, official government websites, and data from international organizations. The results of the study show that although Indonesia has a large export potential for fishery products to China, such as squid, cuttlefish, seaweed, shrimp, and crabs. The country also faces serious challenges in the form of high volumes of imports of low-cost fishery products from China that suppress local prices and weaken the competitiveness of domestic fishermen. Therefore, a comprehensive strategy is needed in the form of improving product quality, diversification, strengthening the processing industry, protecting the domestic market through strict import regulations, and promoting the export of value-added products so that Indonesia can maintain and improve its position in the international fisheries market, especially China.