https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/al-intifaq Jurnal Al-ittifaq: Jurnal Ekonomi Syariah Universitas Islam Negeri Mahmud Yunus Batusangkar en-US AL-ITTIFAQ Jurnal Ekonomi Syariah 2828-1888 <p><strong>Copyright Notice</strong></p><p>Authors who publish with<strong>?áJurnal Al-Ittifaq : Jurnal Ekonomi Syariah?á</strong>agree to the following terms<strong>:</strong></p><ul><li>Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a?á<a href="http://creativecommons.org/licenses/by-nc-sa/4.0/">Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License</a>?á(CC BY-NC-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.</li><li>Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.</li><li>Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See?á<a href="http://opcit.eprints.org/oacitation-biblio.html" target="_blank">The Effect of Open Access</a>).</li></ul> https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/al-intifaq/article/view/16345 <p>Literasi keuangan syariah menjadi faktor penting dalam mendukung keberlanjutan dan peningkatan kinerja usaha mikro, kecil, dan menengah (UMKM), khususnya di negara dengan perkembangan keuangan syariah yang pesat. Penelitian ini bertujuan untuk mengkaji dan mensintesis literatur empiris dan konseptual terkait peran literasi keuangan syariah terhadap kinerja UMKM. Metodologi penelitian menggunakan studi literatur dengan menganalisis artikel ilmiah dari jurnal nasional dan internasional bereputasi yang dipublikasikan dalam sepuluh tahun terakhir. Hasil penelitian menunjukkan bahwa literasi keuangan syariah yang mencakup pengetahuan terhadap produk keuangan syariah, sikap keuangan, dan perilaku keuangan sesuai prinsip syariah berpengaruh positif terhadap kualitas pengambilan keputusan keuangan, peningkatan akses ke layanan keuangan syariah, serta perbaikan kinerja UMKM yang tercermin dari profitabilitas, pertumbuhan usaha, dan keberlanjutan bisnis. Kesimpulan penelitian menegaskan bahwa literasi keuangan syariah merupakan prasyarat strategis dalam memperkuat inklusi keuangan syariah dan kinerja UMKM. Kontribusi penelitian ini adalah penyusunan kerangka konseptual yang dapat menjadi rujukan bagi penelitian selanjutnya dan perumusan kebijakan pengembangan ekonomi syariah.</p> <p><strong>Kata kunci:</strong> Literasi Keuangan Syariah; UMKM; Inklusi Keuangan Syariah; Kinerja Usaha</p> Achmad Hasan Hasyim Muhammad Danil Babun Suharto Copyright (c) 2025 Achmad Hasan Hasyim, Muhammad Danil http://creativecommons.org/licenses/by-nc-sa/4.0 2025-12-29 2025-12-29 5 2 https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/al-intifaq/article/view/16398 <p>Penelitian ini bertujuan untuk menganalisis dampak hilirisasi terhadap upah buruh tani kelapa sawit di Nagari Talang Binjai Kecamatan Silaut Kabupaten Pesisir Selatan. Pokok permasalahan dalam penelitian ini ialah sejauh mana hilirisasi kelapa sawit membantu meningkatkan upah buruh tani di Nagari Talang Binjai Kecamatan Silaut Kabupaten Pesisir Selatan. Jenis penelitin ini ialah penelitian lapangan dengan pendekatan kualitatif. Teknik analisis data yang digunakan adalah Miles and Huberman yang meliputi, reduksi, penyajian dan penarikan kesimpulan. Hasil penelitian ialah hilirisasi belum berdampak besar terhadap upah buruh tani kelapa sawit. Dengan upah yang diterima masih tetap sama sampai sekarang di Nagari Talang Binjai, Kecamatan Silaut, Kabupaten Pesisir Selatan. Hal ini terjadi ditengah ancaman boikot Uni Eropa atas komoditas kelapa sawit, dan turunannya yang diproduksi Indonesia. Setelah dibahas, pembayaran upah ini tidak sesuai dengan salah satu tujuan hilirisasi kelapa sawit yaitu mencapai kemakmuran rakyat. Negosiasi menjadi cara dalam menyelesaikan penetapan pembayaran upah antara buruh tani dan petani kelapa sawit. Hasil negosiasi ini akan mewujudkan tujuan hilirisasi kelapa sawit yaitu memakmurkan rakyat.&nbsp; Dengan buruh tani dan petani kelapa sawit sama-sama menikmati hasil hilirisasi kelapa sawit yang membuat meningkatnya harga jual.&nbsp;</p> Fauza Dwi Zetria Megi Saputra Copyright (c) 2026 Megi Saputra, Fauza Dwi Zetria http://creativecommons.org/licenses/by-nc-sa/4.0 2026-01-05 2026-01-05 5 2 https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/al-intifaq/article/view/16452 <p><em>The rapid growth of financial technology (fintech), particularly online lending platforms, has expanded public access to financing through speed and convenience. However, alongside these benefits, online lending practices have generated significant ethical concerns, including excessive costs, unclear contractual terms, asymmetric power relations, and debt collection practices that may harm and psychologically pressure borrowers. This study aims to examine online lending practices from the perspective of Islamic business ethics and </em><em>maqashid al-shariah</em><em>, and to formulate an ethical framework for online lending oriented toward </em><em>maslahah</em><em>.</em> <em>This research employs a qualitative approach using a conceptual-analytical literature review. Data were collected from reputable national and international journal articles, classical and contemporary Islamic economics literature, and relevant regulatory documents, and analyzed through content analysis and conceptual synthesis.</em> <em>The findings indicate that many online lending practices do not fully reflect the principles of Islamic business ethics and the objectives of </em><em>maqashid al-shariah</em><em>, particularly in terms of protecting wealth, life, and intellect. The study concludes that online lending cannot be justified solely by formal legality or technological efficiency, but must be substantively evaluated based on justice, contractual transparency, social responsibility, and public welfare. This study contributes by offering an ethical framework for evaluating and developing fair and sharia-compliant fintech lending.</em></p> Hardiansyah Padli , Rahma Detik Kurningsih Copyright (c) 2026 Hardiansyah Padli, , Rahma Detik Kurningsih http://creativecommons.org/licenses/by-nc-sa/4.0 2026-01-06 2026-01-06 5 2 https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/al-intifaq/article/view/16179 <p>The purpose of this study is to analyze the effect of monetary policy on Indonesia’s economic growth in the period of 2015–2024 using the interest rate of the Indonesian Bank Certificate Sertifikat Bank Indonesia, the money supply, the exchange rate, and inflationary pressure as the independent variable, and the economic growth as the dependent variable. The study used the quantitative research method by taking secondary data from the Central Bureau of Statistics and the Bank of Indonesia then analyzed using multiple linear regression with the Ordinary Least Squares method which is supplemented by t test, F test, coefficient of determinant R², and classic assumption test to ensure if the model is valid. The research findings showed that the SBI interest rate has a negative and significant influence on economic growth, inflation has a positive and significant effect, and the money supply and the exchange rate do not have a significant influence. Simultaneously, all four independent variables have a significant impact on economic growth by a value of R² of 73.35%. It means most of the variation of economic growth can be explained by independent variable of this model, while the rest is influenced by other factors beyond this research. In conclusion, the research finding asserted that monetary policy has an important role in maintaining stability and promoting economic growth in Indonesia, especially with main contribution as a recommendation for policymakers and monetary authorities to control interest rate and inflation and to recommend for further research by adding more variable such as investment, export, import, and government expenditure.</p> Fahmi Aminullah Alimin Alimin Lili Ramahdani Copyright (c) 2025 Fahmi Aminullah, Alimin Alimin, Lili Ramahdani http://creativecommons.org/licenses/by-nc-sa/4.0 2025-12-26 2025-12-26 5 2