Mappideceng: Journal of Islamic Economics is a peer-reviewed scholarly journal published periodically by the Islamic Economics Study Program, Sekolah Tinggi Agama Islam (STAI) DDI Pinrang, Indonesia. The journal is established as an academic platform for the development, dissemination, and exchange of scientific knowledge in the field of Islamic economics. The journal is dedicated to advancing Islamic economics through rigorous conceptual, normative, and empirical studies. It provides a comprehensive forum for the critical examination of contemporary and emerging issues at the intersection of Islamic law and economic practices, both at theoretical and applied levels. Mappideceng welcomes original research articles from academics, researchers, practitioners, and postgraduate students as a collective scholarly effort to enrich and strengthen the intellectual foundations of Islamic economics. All submitted manuscripts undergo a double-blind peer-review process prior to publication and are disseminated to a broad academic audience. Mappideceng: Journal of Islamic Economics is published biannually, with issues released in May and November. The journal encompasses a broad and integrative scope of scholarship in Islamic economics. It covers studies in Islamic economic law, Islamic banking and finance, Islamic business and entrepreneurship, as well as Islamic law and Islamic marketing. In addition, the journal welcomes research on Islamic philanthropy, including zakat, waqf, and Islamic social finance, alongside studies on Islamic human resource management. Contemporary and applied discussions on the halal supply chain and the halal industry also form an important part of the journal’s academic focus. Furthermore, the journal remains open to other relevant and emerging topics that contribute to the theoretical development, empirical analysis, and practical advancement of Islamic economics. Journal title : Mappideceng: Journal of Islamic Economics Initials : Mappideceng Frequency : 2 issues per year (May and November) DOI : Prefiks by ISSN Online : 3123-9439 Editor-in-chief : Desy Arum Sunarta, S.H., M.E. Publisher : Sekolah Tinggi Agama Islam (STAI) DDI Pinrang Citation Analysis : Mappideceng: Journal of Islamic Economics is currently indexed and/or included by: This work is licensed under a Attribution-ShareAlike 4.0 International
Analisis Pemasaran Syariah dalam Meningkatkan Nasabah Produk BSI OTO Pada Bank Syariah Indonesia KCP Pinrang
BSI OTO is a motor vehicle financing service product (cars and motorbikes). This research aims to analyze Sharia Marketing in increasing customers for BSI OTO products. The method used is qualitative with interview techniques, observation and documentation. The research subjects were sharia bank employees and customers of BSI OTO KCP ​​Pinrang. The results of the study indicate that: 1) The BSI OTO Product System at Bank Syariah Indonesia KCP Pinrang uses the murabahah contract, which is a buying and selling scheme where the bank buys vehicles from dealers and resells them to customers at an agreed price, including a profit margin. 2) The sharia marketing strategy implemented by Bank Syariah KCP Pinrang in increasing the number of BSI OTO product customers is quite effective. This strategy includes promotion, distribution of brochures, socialization, and utilization of social media.
Hak Cipta (c) 2025 Mappideceng:Jurnal Ekonomi Syariah
Strategi Program Pemberdayaan Desa Dalam Mengembangkan Ekonomi Masyarakat di Dusun Cappakala Kabupaten Pinrang (Perspektif Maqashid Syariah)
This study aims to analyze the Village Empowerment Program Strategy in Developing the Community Economy in Cappakala Hamlet, Pinrang Regency based on the Maqāṣid Sharīʿah perspective. The background of this study is the government's efforts through the establishment of Village-Owned Enterprises (BUMDes) to explore village potential and improve welfare, as mandated in Law No. 32 of 2004 and Government Regulation No. 43 of 2014. Cappakala Hamlet has local potential that needs to be managed synergistically by the village government and the community to encourage economic growth. This study uses a descriptive qualitative approach. Primary data sources were obtained through in-depth interviews with the Village Head, Village Secretary, and the community of Cappakala Hamlet. Secondary data were obtained from archives, books, and journals related to community empowerment, economic development, and Maqāṣid Sharīʿah. Data analysis was carried out through data collection, data reduction, data presentation, and drawing conclusions. The results of the study indicate that the village empowerment program strategy in Cappakala Hamlet seeks to establish BUMDes with business units such as BRI Link, sewing groups, and savings and loans. This strategy was developed by integrating the principles of Maqāṣid Sharīʿah (maintenance of religion/din, soul/nafs, reason/‘aql, descendants/nasl, and wealth/māl). The implementation of the Maqāṣid Sharīʿah perspective is realized through: (a) Sustainable Economic Empowerment (Property) through sharia-based MSMEs; (b) Increasing Access to Education and Skills (Intellect) through technical training; (c) Increasing Social and Health Welfare (Soul); (d) Maintaining Religion and Spirituality (Religion) through worship development and access to sharia banking; and (e) Developing Supporting Infrastructure (Descendants). Overall, this strategy is aimed at creating comprehensive, sustainable community welfare in accordance with Islamic values.
Hak Cipta (c) 2024 Mappideceng:Jurnal Ekonomi Syariah
Analisis Produktvitas Dana Zakat Melalui Program Bedah Rumah di BAZNAS Kab. Pinrang
Zakat has an important role in economic and social aspects. On the one hand, zakat helps reduce poverty and fosters social awareness for the rich. On the other hand, zakat prevents the accumulation of wealth in a handful of people. Therefore, the role of the Zakat Agency is very much needed so that its distribution is right on target. This study aims to analyze the productivity of zakat funds through the house renovation program by BAZNAS Pinrang Regency. This type of research is descriptive qualitative with observation, interview, and documentation techniques for beneficiaries. The results of the study show that zakat funds are distributed through field parties who work together with BAZNAS, then organize the implementation of house renovation. Supporting factors of the program include a) Availability of definite funds, b) Transparency in reporting, and c) Good coordination between parties. While the inhibiting factors encountered are time issues, such as delays in the process of building houses for aid recipients.
Analisis Pelaksanaan Program Keluarga Harapan (PKH) dalam Meningkatkan Kesejahteraan Keluarga Penerima Manfaat di Desa Massewae Kecamatan Duampanua Kabupaten Pinrang (Perspektif Ekonomi Islam)
Poverty is a major challenge in development, including in Massewae Village, Duampanua District, Pinrang Regency. The Family Hope Program (PKH) is here as an effort to overcome this problem by providing financial assistance to underprivileged families. However, the distribution of assistance still experiences obstacles that require attention so that it is right on target. This study aims to analyze the effectiveness of PKH implementation in Massewae Village and its compliance with Islamic economic principles. Qualitative descriptive methods are used with observation, interview, and documentation techniques. The research subjects include recipients, assistants, PKH leaders, and related parties in program implementation.The results of this study indicate that: 1) The implementation of PKH has a positive impact on improving welfare, especially in health, education, and social aspects. However, there are still negative impacts in the form of dependence on aid. 2) Based on the perspective of Islamic economics, PKH in Massewae Village has reflected the principles of monotheism and balance, but still faces challenges in terms of the principles of caliphate and distribution justice.
Analisis Tantangan dan Peluang dalam Pengembangan Produk Investasi Syariah (Studi Kasus Di BSI KCP Pinrang)
Along with the development of the sharia financial industry, especially in the banking sector, sharia investment products have become one of the choices that are increasingly in demand by the public. However, the development of this product cannot be separated from the various challenges that must be faced, both in terms of regulation, understanding, and market competition in the community. This study aims to determine the development, challenges and opportunities of sharia investment products. The type of research used is descriptive qualitative. In its implementation, researchers conducted field visits to collect relevant information from employees of Bank Syariah Indonesia Pinrang Branch. The results of this study are. 1) The development of sharia investment products at Bank Syariah Indonesia focuses on two main products, namely gold installments and deposits. The emphasis on increasing gold installment sales and strengthening deposit products is expected to strengthen the position of sharia banking in the Pinrang Regency area. 2) the challenges in the gold installment program at Bank Syariah Indonesia (BSI) KCP Pinrang are related to the down payment (DP) which is often an obstacle for some customers
Analisis Ekonomi Islam pada Program Jaminan Sosial Ketenagakerjaan Konsumen Bukan Penerima Upah di BPJS Ketenagakerjaan Cabang Pinrang
Indonesia with a Muslim majority does not necessarily know the Islamic economy in the Employment Social Security program at BPJS Ketenagakerjaan. So it is necessary to analyze the Social Security program to find out the application of Islamic economics, especially the segmentation of Non-Wage Earners This study aims to determine the form of the employment social security program and to find out the Islamic economy on the Non-Wage Recipient consumer employment social security program. This type of research is descriptive qualitative research where researchers go into the field to explore information on employees and consumers who are not wage earners. The results of this study are. (1) There are 3 forms of employment social security programs for consumers who are not wage earners, namely: Work Accident Insurance, Death Insurance and Old Age Insurance. (2) Islamic economic analysis on the employment social security program for Non-Wage Receiving consumers at BPJS Ketenagakerjaan Pinrang has been based on the principles of Islamic economics where 5 principles are the principles of tawhid, justice, responsibility, truth and honesty, and the principle of willingness.
Hak Cipta (c) 2025 Mappideceng:Jurnal Ekonomi Syariah https://creativecommons.org/licenses/by-sa/4.0
Analisis Risiko pada Produk Pembiayaan Arrum BPKB di Pegadaian Syariah UPS Watang Sawitto
The development of Micro, Small and Medium Enterprises is often hampered by limited access to capital due to lack of eligible collateral. Arrum BPKB financing products from Pegadaian Syariah are an alternative solution, but still have potential risks. This study aims to determine the form of Arrum BPKB financing and analyze its risks at Pegadaian Syariah UPS Watang Sawitto. Using descriptive qualitative methods with data collection techniques through observation, interviews, and documentation of employees and customers. The results of this study are as follows. 1) The forms of Arrum BPKB financing at Pegadaian Syariah UPS Watang Sawitto are: a) Financing in the form of loans, where customers apply for financing with vehicle ownership certificates (BPKB) as collateral. b) The term agreed upon by the customer, according to the customer's needs. c) Storage service fees are charged. d) Financing repayment is made using a monthly installment system. 2) Risk analysis for Arrum BPKB financing products at Pegadaian Syariah UPS Watang Sawitto is carried out using risk management by: a) Identifying risks. b) Measuring risks. c) Monitoring risks. d) Controlling risks
Implementasi Fatwa DSN-MUI No.92/DSN/MUI/IV/2014 Tentang Akad Rahn Pada Pembiayaan Wisata Religi Di Pegadaian Syariah Kabupaten Pinrang
This study aims to determine the implementation of the rahn contract in financing religious tourism at Pegadaian Syariah UPS Pasar Sentral, Pinrang Regency and its compliance with DSN-MUI Fatwa No.92/DSN-MUI/IV/2024. The method used is qualitative descriptive with observation, interview, and documentation techniques.The results of the study indicate that: 1) the religious tourism financing system based on the rahn contract is a practical sharia solution for people who want to perform the Umrah pilgrimage. This program provides easy access to funds through gold collateral, easy installments, and a safe process that is in accordance with sharia principles. 2) Its implementation is in accordance with the fatwa, with transactions that are free of usury, transparent, and only subject to administration and storage fees. However, there are still obstacles such as low public understanding of the rahn contract and limited gold ownership. Pegadaian Syariah addresses this through education and additional services such as gold savings and gold purchases in installments to increase program accessibility for prospective Umrah pilgrims.
Analisis Minat Masyarakat Desa Kaballangang Dalam Menggunakan Produk Perbankan Syariah
Banks have an important role in the economy, including production, consumption, trade, savings and investment activities. In general, banks are divided into conventional banks and sharia banking. These two types of banks have the main function of collecting funds and distributing funds.This study aims to analyze the interest of the Kaballangang Village community in using Islamic banking products and the factors that influence it. The method used is descriptive qualitative with interview, observation, and documentation techniques. The subjects of the study were people who had or did not have experience using Islamic banking products.The research results show that: 1) The Kaballangang Village Community's understanding of sharia banking is still very limited. Most respondents do not have sufficient knowledge regarding sharia banking principles, systems and products. 2) The Kaballangang Village community's interest in sharia banking products is relatively low. Of the 15 informants interviewed, only 3 people used sharia banking products, while the other 12 preferred conventional banks such as BRI.
Analisis Perilaku Konsumen Perspektif Ekonomi Islam Dalam Transaksi Jual Beli (Di Pasar Rakyat Pekkabata Kab Pinrang)
This study aims to analyze the phenomenon of consumer behavior at Pekkabata Traditional Market by considering the principles of Islamic economics that influence their purchasing decisions. With this, it is expected to identify key factors that shape consumer shopping behavior in a context that is in accordance with sharia. This study uses qualitative descriptive research, namely a research approach that describes data in depth. Data collection techniques include observation, interviews, and documentation, which are analyzed using qualitative descriptive methods. The results of this study indicate that: 1) Consumer behavior in the Pekkabata market in conducting transactions has been carried out in accordance with Islamic law, where consumers carry out a fair, honest and non-harmful bargaining process for other parties. 2) Consumer behavior factors in the Pekkabata market are more influenced by cultural and personal factors, because consumer behavior tends to be sensitive to price due to limited income and consumers prefer affordable products according to their needs.
Analisis SWOT pada Produk KUR Syariah di PT. Pegadaian Syariah Kabupaten Pinrang
This study is entitled SWOT Analysis on Sharia KUR Products at PT. Pegadaian Syariah Pinrang Regency. The main objective of this study is to analyze SWOT on Sharia KUR products at PT. Pegadaian Syariah Pinrang Regency. The research method used is descriptive qualitative with data collection techniques through observation, interviews, and documentation. The results of the study indicate that 1) a financing mechanism based on sharia principles aimed at micro, small, and medium enterprises (MSMEs). The marketing strategy for this product is not too aggressive because it is widely known by customers as a product with low interest. However, there are several shortcomings, namely the absence of collateral in the loan, so that if there is arrears, the collection process becomes difficult. The main obstacle in submitting KUR is usually related to filing, such as incomplete business permits. 2) SWOT analysis is a strategic planning method used to evaluate Strengths, Weaknesses, Opportunities, and Threats in a business, project, or organization. The demand for KUR is quite high with many enthusiasts and submission of files
Tinjauan Kelayakan Bisnis Syariah Pada Usaha Sarang Burung Walet Di Dusun Batri Desa Kaballangang
This research is titled “A Study of the Feasibility of a Sharia Business in the Edible Bird’s Nest Enterprise in Batri Hamlet, KaballangangnVillage.” The main objective of this research is to analyze the feasibility of the edible bird’s nest business from a sharia business perspective by considering legal, market, management, and environmental aspects.The research method used is descriptive qualitative, with data collection techniques including observation, interviews, and documentation. The findings of the first research question indicate that the swiftlet nest business in Batri Hamlet, Kaballangang Village, has significant economic potential, but there are challenges such as price fluctuations. From the perspective of Sharia law, this business is permissible as long as it adheres to Islamic principles, such as justice and transparency.The findings of the second research question indicate that the swiftlet nest business in Batri Hamlet, Kaballangang Village, is running well and has the potential to improve family economies. This is due to the relatively high price of swiftlet nests and the satisfactory harvests obtained by swiftlet entrepreneurs. In conclusion, this business is feasible under sharia principles but requires improvements in certain aspects to better align with Islamic economic principles and sustainability.
Analisis Minat Masyarakat dalam Membayar Zakat Secara Online di BAZNAS (Studi Kasus BAZNAS Kabupaten Pinrang)
The development of digital technology encourages innovation in religious services, including zakat payment. BAZNAS Pinrang Regency has provided online zakat payment services to facilitate the community. This study aims to analyze public interest in paying zakat online at BAZNAS Pinrang Regency with a qualitative approach and case study method. Data were obtained through interviews with potential community members as muzakki, BAZNAS administrators, and other related parties, as well as through observation and document analysis. The results showed that community interest still varies. Some people are interested because of the convenience and practicality of the online system, while others continue to choose conventional methods due to habits and limitations in understanding technology. The main obstacles include low digital literacy, limited internet access in some areas, and lack of trust in the online system, so direct payments are considered safer and more convenient for some people.
Implementasi Prinsip-Prinsip Ekonomi Syariah Pada Koperasi Pondok Pesantren Ittihadul Usrati Wal-Jamaah Ddi Lerang-Lerang Kabupaten Pinrang
Sharia economics emphasizes the importance of balance between worldly and afterlife needs, where every economic activity, including in cooperatives, must be in accordance with Islamic principles. These principles include justice, honesty, responsibility, and freedom from usury, gharar, and maysir. Islam views spiritual and material aspects as an inseparable unity.The sharia cooperative at the IUJ DDI Lerang-Lerang Islamic Boarding School, Pinrang Regency, is a real example of the application of Islamic economics in an educational environment. This cooperative functions as a fair and transparent economic forum, as well as an educational medium for students and the community in applying Islamic values ​​in daily economic activities. Researchers are interested in studying its implementation because of its potential in forming Islamic economic character from an early age.The results of the study show that: 1) The implementation of the principles of Islamic economics in this cooperative has reflected the principles of justice, welfare, and mutual assistance in economic activities, especially in providing business capital to members. 2) Although the cooperative has implemented the principles of Islamic economics.
IMPLEMENTASI AKAD QARDH TERHADAP PEMBIAYAAN DI KOPERASI AMANAH MULIA IKHLAS (KAMI) KABUPATEN PINRANG
The qardh contract financing procedure at the Amanah Mulia Ikhlas Cooperative in Pinrang Regency is a process of providing loans without interest that is mutually beneficial between members. Customers or members submit financing applications to the cooperative by completing administrative requirements. After going through a verification process and feasibility analysis, the cooperative will disburse the loan funds. Customers are then required to repay the loan within the agreed time period, without additional interest. The entire process follows sharia principles, avoids usury, and prioritizes the principles of justice and mutual benefit. The implementation of the qardh contract in financing at the Amanah Mulia Ikhlas Cooperative in Pinrang Regency has been truly implemented.
Kontribusi Halal Value Chain dalam Pengembangan Ekonomi Syariah pada UMKM
The global Islamic economy industry focuses on highly consumptive and competitive sectors, such as food, lifestyle, tourism, and finance. The principle of halal serves as a universal indicator for Muslims regarding product quality and living standards. Therefore, it is crucial to start with halal raw materials and maintain integrity throughout the entire halal supply chain. The implementation of a halal value chain for all products is a form of trust for all producers. The distribution and marketing of halal food and beverage products must indicate the Shariah values and must not be mixed with non-halal products. This research aims to explore the development of the Islamic economy through the support of halal value chain implementation and to analyze data on the growth of halal certification among MSMEs in Indonesia, particularly in South Sulawesi. This study used a literature review method, gathering references relevant to the research topic. The findings indicate that the support for the halal value chain does not stop at distribution and marketing but also requires strengthening Islamic financial institutions, regulations, and research development. Aspects such as protection, impartiality, legal certainty, transparency, effectiveness, and efficiency are highly valued in ensuring the halal guarantee of a product. For Muslim consumers, halal certification is essential as it integrates religious values with consumer rights.
Mekanisme Denda Yang Adil Dalam Pembiayaan Akad Bai' Bitsman Ajil: Perspektif Ekonomi Islam
Bai' Bithaman Ajil (BBA) is one of the financing instruments widely applied in the Islamic financial system, where buyers purchase goods with deferred payments in the form of installments. Despite offering a flexible financing alternative, the main challenge in the implementation of BBA contracts is a fair penalty mechanism, especially in the context of late payments by debtors. This research aims to explore a penalty mechanism that complies with Islamic economic principles, focusing on fairness, transparency, and avoiding usury. In Islamic economics, fines must be compensatory, proportionate, and not become an additional burden that harms the debtor. A fair fine mechanism must also pay attention to flexibility for customers experiencing economic difficulties, and avoid exploitation practices. This research uses a literature review approach and systematic analysis of relevant literature, with the aim of formulating policies that support more inclusive and equitable Islamic financing practices. The results show that the application of fines in BBA must consider the principles of justice, transparency, and the principle of rahmah in Islam, in order to create a balance between rights and obligations, and maintain social welfare. The implementation of a fair penalty mechanism is not only important to ensure contract compliance, but also to create trust between Islamic financial institutions and customers
IMPLEMENTASI AKAD MUKHABARAH DALAM PRAKTEK TESANG GALUNG
This jurnal discusses the Implementation of Mukhabarah Contracts in the practice of Tesang Galung in Massewae Village, Duampanua Pinrang District. The purpose of this thesis research is to find out the muzara'ah and mukhabarah contracts in the practice of tesang galung which are based on the form of cooperation between land owners, third parties and managers. The practice carried out by the people of Massewae Village, Duampanua District, is in this tesang galung practice to see the implementation of the muzara'ah and mukhabarah contracts in a system that has blended in with custom. This type of research is qualitative where this research links several parties in it, by directly meeting sources of information in the field, namely the community who practice the tesang galung. The methods used are interviews, observation, documentation. Followed by data analysis to the validity of the existing data in the field. The results of this study are: first, the existing system in the practice of tesang galung includes the form of cooperation and profit sharing between the land owner and cultivator where this form of cooperation is carried out by two parties between the land owner and the second is the implementation, where when the land owner If the cultivator is given to manage their land, then the land owner fully surrenders and will receive profit sharing. And thirdly, the muamalah activity of the tesang galung practice carried out by the people of Massewae Village, Duaampanua Pinrang District, if it is associated with the muzara'ah and mukhabarah contracts, it is clear that this has not been implemented properly, however, there are some who have implemented muzara'ah and forms of cooperation from the tesang galung practice, more closely following the customary system that has blended in with the people of Massewae Village, Duampanua Pinrang District. Because they think that it is fair for them for some people.
Dampak Direct Selling Online terhadap Pedagang Pasar Tradisional: Perspektif Ekonomi Syariah
The rapid growth of e-commerce and online direct selling has changed the trade landscape significantly. This phenomenon has complex impacts, especially for traditional market traders who have existed for centuries. This research aims to analyze in depth the impact of online direct sales on traditional market traders, taking into account the sharia economic perspective. The impact of online direct selling on traditional market traders is complex and multidimensional. The emergence of online direct selling has created increasingly fierce competition for traditional market traders. Ease of access, various product choices, and competitive price offers are the main attraction for consumers. Challenges and opportunities exist simultaneously. With the right government policies and joint efforts from all parties, it is hoped that a harmonious balance can be created between the development of online business and the business continuity of traditional market traders.
Digitalisasi Bisnis Syariah: Peluang Baru bagi Womenpreneur
The development of digital technology has created great opportunities for womenpreneurs to develop sharia businesses. This research aims to analyze how digitalization can empower womenpreneurs to increase income, expand market reach, and contribute to sharia economic growth. The research method used is a literature review. The research results show that digitalization has had a positive impact on sharia businesses managed by womenpreneurs, but there are still several challenges that need to be overcome.