EKOSSISTEM : Islamic Economics, Banking, Law, System
type: channel
description: Journal Description: Islamic Economics, Banking, Law, System The Islamic Economics, Banking, Law, and System journal is an academic publication focusing on the study of Islamic economics, Islamic banking, Islamic law, and the systems that underpin them. EKOSSISTEM Journal aims to provide in-depth insights into the application of Islamic economic principles in the banking sector and legal systems, as well as their impact on global economic development. The articles published cover a wide range of topics, from Islamic economic theory and innovations in Islamic banking products to legal studies related to finance and Islamic business practices. This journal presents research that employs a specialized approach, combining the fields of economics, law, and Islamic financial systems to offer a comprehensive understanding. Researchers, academics, practitioners, and policymakers in the field of Islamic economics will greatly benefit from this journal in understanding the dynamics occurring in the economic and financial sectors based on Islamic principles. The journal is published biannually, with issues released in April and August.
publisher: Yasi Learning Education Research
language: en
publication name: EKOSSISTEM : Islamic Economics, Banking, Law, System
issn: 3032-0976
items: DIALECTIC OF LEGAL THEORY IN CIVIL CASE DECISIONS FOUR COURT DECISIONS IN THE TANGERANG JURISDICTION FOR THE 2023-2025 PERIOD
items: JURIDICAL ANALYSIS OF THE RIGHT OF DISASTER VICTIMS TO SUE AGAINST STATE NEGLIGENCE
items: JURIDICAL ANALYSIS OF JUDGES' CONSIDERATIONS IN VERSTEK DIVORCE DECISIONS DUE TO DOMESTIC VIOLENCE AND INFIDELITY (STUDY OF DECISION NUMBER 1074/PDT. G/2025/PN TNG)
items: ANALISIS PUTUSAN PENOLAKAN GUGATAN CERAI AKIBAT KETIDAKHADIRAN SAKSI DAN BUKTI PERSELISIHAN
items: DOMINANT DETERMINANT OF CORPORATE TAX AVOIDANCE WITH THE AVAILABILITY OF FINANCIAL STATEMENTS (STUDY ON PT CENTRA LAUTAN PEWARNA)
items: THE EFFECT OF SERVICE QUALITY AND PHYSICAL FACILITIES ON CONSUMER PURCHASE DECISIONS (STUDY ON ALFAMART MINIMARKET)
items: ANALYSIS OF DETERMINANTS OF FINANCIAL PERFORMANCE OF BANKING COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE
items: CORRELATION ANALYSIS OF LEVERAGE AND THE APPLICATION OF GOOD CORPORATE GOVERNANCE TO PROFIT MANAGEMENT IN THE HEALTHCARE INDUSTRY
items: ANALYSIS OF THE USE OF HALODOC CHATBOT IN HEALTH APPLICATIONS AS A FACTOR OF CONSUMER SATISFACTION DURING THE COVID-19 PANDEMIC FOR THE 2020-2022 PERIOD
items: ANALYSIS OF THE ROLE OF EXTERNAL AUDIT WITH COMPANY FINANCIAL STATEMENTS AS A MEDIATION FOR BUSINESS CONTINUITY
items: THE EFFECT OF TEAMWORK AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE OF THE OPERATIONAL DIVISION OF PT MUSTIKA ALAM LESTARI TANJUNG PRIOK, NORTH JAKARTA
items: A REVIEW OF BRAND AWARENESS AND PRICING ON MS GLOW PRODUCT PURCHASE DECISIONS IN E-COMMERCE
items: DETERMINANTS OF SMALL AND MEDIUM ENTERPRISE EMPOWERMENT IN THE PERSPECTIVE OF ISLAMIC ECONOMIC POLITICS
items: HISTORICAL ANALYSIS OF ASPECTS OF ISLAMIC ECONOMIC THOUGHT IN THE PERSPECTIVE OF ABU UBAYD
items: MSME RETAIL TRANSFORMATION STRATEGY BASED ON SHARIA ECONOMIC PRINCIPLES
items: THE EFFECT OF ORGANIZATIONAL COMMITMENT AND WORK COMPETENCE ON EMPLOYEE PERFORMANCE OF PT TELKOM AKSES SURABAYA
items: THE ANALYSIS OF THE IMPLEMENTATION OF IB SIAGA PENSION FINANCING ACCORDING TO THE DSN-MUI FATWA ON MURABAHAH TAKE OVER AT BANK KB BUKOPIN SYARIAH KPO SALEMBA JAKARTA
items: ANALYSIS OF THE UTILIZATION AND MANAGEMENT OF ZAKAT FUNDS BY BAZNAS FOR THE PERIOD 2019-2021 EFFICIENCY STUDY OF ZAKAT METHOD CORE PRINCIPLES
items: PERAN AMAL USAHA MUHAMMADIYAH DALAM PENGEMBANGAN EKONOMI UMAT DI KOTA TANGERANG
items: THE CRITERIA FOR PROSPECTIVE LIFE PARTNERS IN FORMING A FAMILY OF SAKINAH MAWADDAH WAROHMAH ACCORDING TO COMMUNITY LEADERS OF PANANCANGAN VILLAGE (CASE STUDY IN CIPOCOK JAYA DISTRICT)
items: IMPLEMENTATION OF REGIONAL REGULATION POLICIES IN HANDLING FLOOD DISASTERS IN SOUTH TANGERANG CITY (Case Study: Communication, Human Resources, Disposition and Bureaucratic Structure)
items: DA'I COMMUNICATION MANAGEMENT IN THE NAHDLATUL ULAMA RECITATION GROUP IN BEKASI (KAJIAN AL QUR'AN SURAH ALI IMRAN AYAT 104)
items: COMMUNICATION MANAGEMENT OF THE DEAF COMMUNITY IN INDONESIA PPPA DAARUL QUR'AN D.I. YOGYAKARTA
items: PRE-DISPUTE OF LAND WAKAF IN THE PERSPECTIVE OF ARTICLE 40 OF LAW NO. 41 OF 2004 ON WAKAF AS A SOLUTION TO EDUCATIONAL ISSUES IN INDONESIA
items: THE ROLE OF RELIGIOUS INFLUENCERS IN THE DA'WAH DIGITAL SYSTEM A STUDY OF OPPORTUNITIES AND CHALLENGES IN THE COMMUNITY
items: THE EFFECTIVENESS OF VILLAGE HEAD POLITICAL COMMUNICATION IN INCREASING THE SUCCESS OF THE CLIMATE VILLAGE PROGRAM

DIALECTIC OF LEGAL THEORY IN CIVIL CASE DECISIONS FOUR COURT DECISIONS IN THE TANGERANG JURISDICTION FOR THE 2023-2025 PERIOD
type: item
description: It is not uncommon to encounter a synthesis within a new legal theory. This study analyzes four court decisions within the Tangerang jurisdiction, consisting of one court determination and three divorce rulings, using the framework of progressive legal theory, legal system theory, and the theory of justice. The objective of this research is to examine how these legal theories are reflected in judicial considerations and the consistency in the application of legal principles in similar cases. The research method employs a normative juridical approach with a qualitative analysis of the decisions of the Tangerang District Court Number 1333/Pdt.P/2025/PN.TNG, Number 926/Pdt.G/2023/PN.Tng, Number 1074/Pdt.G/2025/PN Tng, and the Tangerang Religious Court Number 1654/Pdt.G/2025/PA.Tng. The findings indicate that judges do not merely apply the law positivistically, but also consider values of justice, utility, and responsiveness to the needs of society. However, a disparity in approaches was found in assessing the weight of evidence, which has implications for whether a claim is granted or rejected. This study recommends the need for harmonization of judges' understanding regarding the theory of evidence and the principle of substantive justice.
subject: Articles
  topic: section
subject: Teori Hukum Progresif
  topic: keywords
subject: Sistem Hukum
  topic: keywords
subject: Keadilan Perceraian
  topic: keywords
subject: Putusan Pengadilan
  topic: keywords
creator: Dr Walim
creator: Ahmad Sarmadi
creator: Agung Susilo
creator: Uway Wahyudi
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-28
publication date: 2026-02-28
starting page: 36
ending page: 57
doi: 10.17605/kv483w20

JURIDICAL ANALYSIS OF THE RIGHT OF DISASTER VICTIMS TO SUE AGAINST STATE NEGLIGENCE
type: item
description: The floods and landslides that struck three provinces in Sumatra in December 2025 caused significant material losses, highlighting that the state’s responsibility extends not only to disaster response but also to preventing disasters through responsive policies and consistent law enforcement. This study aims to analyze the legal basis for disaster victims' right to sue the state for negligence in disaster management. Using a normative legal research method, the study examines relevant legislation, legal doctrines, and court decisions. The results indicate that state responsibility is hierarchical and multidimensional, rooted in the welfare state concept. State negligence in disaster management is structural, encompassing epistemic, policy, and accountability failures. The victims' right to sue functions as a corrective legal mechanism supported by strong legal foundations, such as Article 1365 of the Indonesian Civil Code, the Government Administration Law, and the strict liability principle in environmental law. Thus, litigation is not merely a compensatory effort but a strategic instrument to enforce state accountability and environmental justice.
subject: Articles
  topic: section
subject: Right to Sue
  topic: keywords
subject: Disaster Victims
  topic: keywords
subject: State Negligence
  topic: keywords
subject: Legal Responsibility
  topic: keywords
subject: Strict Liability
  topic: keywords
creator: Dea Ayu Juliasi Dea
creator: Ahmad Sarmadi
creator: Muhamad Zaenudin
creator: Agung Susilo
creator: Faizal Rizal Anugrah
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-16
publication date: 2026-02-16
starting page: 18
ending page: 35
doi: 10.17605/6nc09413

JURIDICAL ANALYSIS OF JUDGES' CONSIDERATIONS IN VERSTEK DIVORCE DECISIONS DUE TO DOMESTIC VIOLENCE AND INFIDELITY (STUDY OF DECISION NUMBER 1074/PDT. G/2025/PN TNG)
type: item
description: The assumption that a defendant's absence in domestic violence (DV) cases is always attributable to fear, coercion, or helplessness constitutes an empirically unsubstantiated generalization. In many instances, such absence may indeed reflect a voluntary waiver of the right to defend oneself, an implicit acknowledgment of the validity of the plaintiff's claims, or even a strategic maneuver to prolong divorce proceedings and inflict continued psychological distress upon the plaintiff. This study examines the judicial reasoning in Verdict Number 1074/Pdt.G/2025/PN Tng concerning a default divorce judgment rendered on grounds of domestic violence and adultery. Employing normative legal research methods through statutory and case approaches, this study aims to assess the conformity of the judicial considerations with the principles of legal certainty and substantive justice. The findings reveal that from a normative-procedural perspective, the a quo decision complied with prevailing civil procedural law and substantive marriage law. The judge duly conducted proper summons, applied Article 125 HIR/149 RBg, and grounded the ruling on Article 39 of the Marriage Law juncto Article 19 letters a and f of Government Regulation Number 9 of 1975. Accordingly, the decision is free from procedural defects or errors in legal application. However, from a sociological-substantive perspective, the verdict fails to fully realize a comprehensive sense of justice. The judicial consideration remains proceduralistic and passive, failing to exercise inherent judicial authority to order additional examinations aimed at uncovering material truth. The evidentiary process concerning domestic violence and adultery proceeded unilaterally without adequate verification mechanisms. Furthermore, the judge neglected to reference the Domestic Violence Elimination Act (Law Number 23 of 2004) as a basis for systematic interpretation and omitted consideration of post-divorce victim recovery as mandated by …
subject: Articles
  topic: section
creator: Uway Wahyudi
creator: Dea Ayu Juliasi
creator: Ahmad Sarmadi
creator: Ranu Hendani
creator: Faizal Rizal Anugrah
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-13
publication date: 2026-02-13
starting page: 1
ending page: 18
doi: 10.17605/7zk76p93

ANALISIS PUTUSAN PENOLAKAN GUGATAN CERAI AKIBAT KETIDAKHADIRAN SAKSI DAN BUKTI PERSELISIHAN
type: item
description: The ideal objective of marriage under marriage law is to form a happy and lasting family. However, in reality, the number of divorce cases in the Indonesian legal system remains high. Divorce not only requires legally justifiable grounds under statutory regulations but also demands sufficient and convincing evidence in court. This study analyzes Decision Number 926/Pdt.G/2023/PN.Tng concerning the dismissal of a divorce petition due to the absence of witnesses and lack of evidence of marital discord. The main issue is the Plaintiff's failure to prove continuous disputes and quarrels as grounds for divorce under Article 19(f) of Government Regulation No. 9 of 1975. This normative legal research adopts a case study approach and employs Gustav Radbruch's Legal Certainty Theory as the grand theory. The findings reveal: first, the Panel of Judges properly dismissed the lawsuit as the Plaintiff failed to meet the burden of proof under Article 163 HIR. Second, the position of witnesses is imperative and determinative; the absence of witnesses renders allegations of disputes unproven. Third, administrative documentary evidence is irrelevant to prove marital discord, while the Defendant's evidence actually demonstrates household harmony. Fourth, the legal consequences include the preservation of marital status, denial of child custody and support, and imposition of court costs. This decision affirms that evidentiary requirements in divorce proceedings are strict, and legal certainty necessitates the non-transferable fulfillment of the burden of proof. Legal socialization, affirmative policies ensuring access to justice, and a Supreme Court Regulation (PERMA) as guidelines for evidentiary standards in divorce cases are essential to achieve uniformity in court decisions.
subject: Articles
  topic: section
creator: Uway Wahyudi
creator: Muhamad Zaenudin
creator: Muhammad Sulaeman
creator: Ahmad Sarmadi
creator: Agung Susilo
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-12
publication date: 2026-02-12
starting page: 1
ending page: 20
doi: 10.17605/ege8ch91

DOMINANT DETERMINANT OF CORPORATE TAX AVOIDANCE WITH THE AVAILABILITY OF FINANCIAL STATEMENTS (STUDY ON PT CENTRA LAUTAN PEWARNA)
type: item
description: Tax Avoidance as a legal action or permitted by taxpayers by taking advantage of the legal weaknesses of the law to reduce the company's tax burden. The focus of this study is to utilize the availability of company financial reports. This research is based on the emergence of tax avoidance problems at PT Centra Lautan Pewarna, the research objective is to examine good corporate governance and corporate risk as a determinant of tax avoidance at PT. Centra Lautan Pewarna with the availability of financial reports. The author's research method uses a qualitative type, with a library research approach and analyzes content, the primary data material used comes from the company's financial statements for five years, the authors add primary data based on the availability of empirical data, the results of this study indicate that: 1) PT Centra Lautan Pewarna in an effort to comply with paying company taxes as stipulated in Law Number 28 of 2009 concerning Regional Taxes and Regional Levies is very good. 2) Implementation of provisions regarding tax avoidance by PT Centra Lautan Pewarna as an effort to save taxes by minimizing taxable obligations, in accordance with the empirical said by Budiman & Setiyono (2012) using a good cash effective tax rate (CETR), and 3) Support Good corporate governance and corporate risk as determinants of tax avoidance according to Fadhiah's theory (2014) have been well implemented and proven.
subject: Articles
  topic: section
creator: Ahmad Sarmadi
creator: Mr Jaedi
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-10
publication date: 2026-02-10
starting page: 54
ending page: 64
doi: 10.17605/k4vh3593

THE EFFECT OF SERVICE QUALITY AND PHYSICAL FACILITIES ON CONSUMER PURCHASE DECISIONS (STUDY ON ALFAMART MINIMARKET)
type: item
description: Purchasing decisions are always phenomenal for business actors and are blamed on consumers or the public, where purchasing decisions to Alfamart Minimarkets throughout the Tangerang Regency area can be increased based on service quality variables and physical facilities. The purpose of this study was to find out and analyze the magnitude of the effect of service quality and physical facilities on purchasing decisions at Alfamart minimarkets, quantitative research methods, data sources were obtained by distributing questionnaires to Alfamart minimarket respondents in the Tangerang district of 86 respondents, data analysis techniques using software SPSS 25 for measuring measurements and measurements in multiple regression including the F test and T test and R2 test. The results of this study indicate that the effect of service quality on purchasing decisions is 53.14%, significantly and positively with the effect that if an increase or increase in the proportion of service quality is made, it can increase purchasing decisions from perceived service quality by 28.1%. there is a significant and positive effect of physical facilities on purchasing decisions of 67.89%. With its influence, if an increase or increase in the proportion of physical facilities is carried out, it can increase the purchase decision from physical facilities by 53.33%. and there is a simultaneous effect of service quality and physical facilities on decisions by 71.40% which is significantly positive, if an increase or increase in the proportion of service quality and physical facilities can increase purchasing decisions from perceived purchases by 28.1% and physical facilities by 53.33%.
subject: Articles
  topic: section
subject: Service quality
  topic: keywords
subject: Physical facilities
  topic: keywords
subject: Purchasing decisions
  topic: keywords
creator: Ahmad Sarmadi
creator: Mr Sugina
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-10
publication date: 2026-02-10
starting page: 40
ending page: 53
doi: 10.17605/v0yhxt47

ANALYSIS OF DETERMINANTS OF FINANCIAL PERFORMANCE OF BANKING COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE
type: item
description: Banks are financial institutions whose function is to collect funds from the public in the form of savings and channel these funds back to the public in the form of credit or otherwise. The healthier the bank's capital level, the better the bank's financial performance. The problems are studied to see how far the company's operations have achieved the highest Return On Assets by comparing banking rules in good and correct financial reporting. The aim is to measure the determinants of the financial performance of banking companies as measured by Return On Assets. The method used is library research with a content analysis approach. The results of the analysis show that the determinants of sound financial performance are measured as successful from the best assessment dimensions of the Capital Adequacy Ratio, Non-Performance Loans and Loan to Deposit Ratio.
subject: Articles
  topic: section
creator: Ahmad Sarmadi
creator: Hilda Yuliastuti
creator: Nirdukita Nirdukita
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-10
publication date: 2026-02-10
starting page: 28
ending page: 39
doi: 10.17605/by7zhz45

CORRELATION ANALYSIS OF LEVERAGE AND THE APPLICATION OF GOOD CORPORATE GOVERNANCE TO PROFIT MANAGEMENT IN THE HEALTHCARE INDUSTRY
type: item
description: Earnings management is the top goal that can provide satisfaction during the company's period, the emergence of differences in Leverage and the implementation of Good Corporate Governance which is still not informative. The aim is to determine the Leverage and the application of Good Corporate Governance to earnings management. Quantitative research method, data from non-participant surveys, 17 samples of the 2019-2021 Indonesia Stock Exchange financial ratios, analysis techniques using the Smart PLS and SPSS 25 multiple regression analysis paths. The results showed that Leverage as an additional signifier and patchwork had an effect on Profit Management by 0.79%, Implementation of Good Corporate Governance as the operational knife point of the company, Proven to have an effect on Profit Management by 19.62%, Ideal profit management is carried out to increase company leverage through the results of Good implementation Accurate company Corporate Governance, Leverage is proven through the implementation of Good Corporate Governance has an effect on Profit Management of 3.94% and High profit management will be better if the practice of corporate leverage is accompanied by an increase in the application of Good Corporate Governance. It is proven by the results of this study that there is a simultaneous effect of Leverage and application of Good Corporate Governance to Profit Management of 43.16%. Suggestions for improving corporate earnings management need to pay attention to the implementation of Good Corporate Governance so that it reaches 472% or close to 50% when compared to the increase in leverage of 472%, so that it is balanced. The implication is that company owners can create an annual Good Corporate Governance program, by reviewing the main achievement indicators of each quarterly financial report, thereby receiving accurate and relevant information.
subject: Articles
  topic: section
creator: Ahmad Sarmadi
creator: Fauziah Nuraini
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-10
publication date: 2026-02-10
starting page: 12
ending page: 27
doi: 10.17605/8mw9r931

ANALYSIS OF THE USE OF HALODOC CHATBOT IN HEALTH APPLICATIONS AS A FACTOR OF CONSUMER SATISFACTION DURING THE COVID-19 PANDEMIC FOR THE 2020-2022 PERIOD
type: item
description: An During the pandemic-19, all levels of society were limited by remote activities, this was research stems from the promotion of the Halodoc application as the highest trend target for paid online health consultations, consumers to use the Halodoc application through the account registration process, account ownership and user location in the application according to the requirements. the wishes of users of the Halodoc application, the author aims to examine how the relationship between content and accuracy is on consumer satisfaction in the Halodoc Health application. This is research method is qualitative, library research approach to support data update used content analysis approach. The results of the study show that 1) The level of consumer satisfaction on the use of the Halodoc Health application comes from the content and accuracy of positive services on the Halodoc Health application is very good. 2) The implementation of the user chatbot on the Health application is carried out with question and answer services that can provide consumer satisfaction from the attribute of desire well.
subject: Articles
  topic: section
creator: Moh. Jawahir
creator: Hilda Yuliastuti
creator: M. Alimardi Hubeis
creator: Ahmad Sarmadi
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-10
publication date: 2026-02-10
starting page: 1
ending page: 11
doi: 10.17605/b4g8pv86

ANALYSIS OF THE ROLE OF EXTERNAL AUDIT WITH COMPANY FINANCIAL STATEMENTS AS A MEDIATION FOR BUSINESS CONTINUITY
type: item
description: Business continuity is an issue that companies are currently paying attention to, which can not be separated from the economic conditions during the covid19 pandemic. On the other hand, external audit factors through analysis of financial statements as part of evaluating the sustainability of the business play a very important role. The purpose of this study was to analyze and determine the effect of the role of external audit in evaluating business continuity through analysis of the financial statements of manufacturing companies in the sub-sector of machinery and heavy equipment listed on the Indonesia Stock Exchange. Quantitative research methods to measure the magnitude of the influence between variables with Smart PLS software, data collection using a questionnaire approach using 36 samples. The results of this study indicate that the role of external audit has a positive and significant effect on financial statements of 62.56%, evaluation of financial statements has a positive and significant effect on business continuity (business) 28.49% and the role of external audit through financial statements has an effect on business continuity manufacturing companies in the machine and heavy equipment sub-sector listed on the IDX by 2.62% positively and significantly.
subject: Articles
  topic: section
creator: Ahmad Sarmadi
creator: Shandro Pertini
rights: Copyright (c) 2022 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2022-04-23
publication date: 2022-04-23
starting page: 46
ending page: 57
doi: 10.17605/v55hk712

THE EFFECT OF TEAMWORK AND WORK DISCIPLINE ON EMPLOYEE PERFORMANCE OF THE OPERATIONAL DIVISION OF PT MUSTIKA ALAM LESTARI TANJUNG PRIOK, NORTH JAKARTA
type: item
description: The Effect of Teamwork and Work Discipline on Employees of the Operational Division of PT Mustika Alam Lestari Tanjung Priok, North Jakarta, employee performance problems must be resolved, the purpose of this study is to determine the effect of cooperation on employee performance, the effect of work discipline on employee performance and the simultaneous effect of cooperation team and work discipline on employee performance, quantitative research methods with descriptive approaches used to describe more informative data, random sampling techniques to determine the sample of this study as many as 68 respondents, the results of this study indicate that teamwork as a joint effort in achieving work goals in one operational division so as to achieve performance, as evidenced by the results of this study that there is an effect of teamwork (X1) on employee performance (Y) of 0.597 or 35.64%. Work discipline as a limit to employee behavior in carrying out work that must be achieved by work not from so that it can achieve employee performance, as evidenced by the results of research that the effect of work discipline (X2) on employee performance (Y) is 0.745 or 55.5% and there is the effect of cooperation team (X1) and work discipline (X2) simultaneously on employee performance (Y) of 56.85%.
subject: Articles
  topic: section
creator: Ahmad Sarmadi
creator: Rizky Rama Putra
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-10
publication date: 2026-02-10
starting page: 36
ending page: 45
doi: 10.17605/rrkg2n26

A REVIEW OF BRAND AWARENESS AND PRICING ON MS GLOW PRODUCT PURCHASE DECISIONS IN E-COMMERCE
type: item
description: MS Glow won an award after recording product sales of more than 2 million per month in E-Commerce, the purpose of this study was to determine brand awareness and price as factors that influence purchasing decisions for MS Glow products in E-commerce. Qualitative research methods with a library research approach by analyzing content, primary data based on relevant research theories and results. The results of the study show that brand awareness and price both individually and collectively influence the purchasing decision of MS Glow products in E-Commerce. To improve purchasing decisions in e-commerce, it is necessary to take more effective steps, such as observing the results of observations of market shares that have not been touched but can be seen by the public.
subject: Articles
  topic: section
creator: Ahmad Sarmadi
creator: Isnaldi Muh Dini
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-10
publication date: 2026-02-10
starting page: 26
ending page: 35
doi: 10.17605/e5bkhc14

DETERMINANTS OF SMALL AND MEDIUM ENTERPRISE EMPOWERMENT IN THE PERSPECTIVE OF ISLAMIC ECONOMIC POLITICS
type: item
description: The purpose of this study is to analyze and find out the political economy of Islam in Indonesia, the research method used is literary analysis with a historical qualitative approach. The data source comes from Islamic political economic theories. Books and Scriptures according to Chapra and Ibn Khaldun, as well as scientific journals and Islamic economic theses. The results of this study indicate that Islamic Economics is more individualized behavior based on the Al-Qur'an and al-Hadith so that it can be practiced ideally by formulating Islamic economic concepts that are categorized as good and positive. The politics of Islamic Economic Policy in the review of the transaction is a mudharabah contract with a "profit and loss sharing" system, namely profit sharing and loss sharing are categorized as good and positive.
subject: Articles
  topic: section
creator: Ahmad Sarmadi
creator: Fadli Dermawan
creator: Isnaldi Muh Dini
rights: Copyright (c) 2022 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2022-04-18
publication date: 2022-04-18
starting page: 1
ending page: 13
doi: 10.17605/8ee0pn27

HISTORICAL ANALYSIS OF ASPECTS OF ISLAMIC ECONOMIC THOUGHT IN THE PERSPECTIVE OF ABU UBAYD
type: item
description: The purpose of this study is to analyze Abu Ubaid's Economic Thoughts as contained in his monumental work, Kitab al-Amwal. Where Abu Ubaid explained economic philosophy through several main points, namely first, the main principle of economic philosophy is the concept of justice. Second, the concept of justice is a balance between individual, community and state rights. Third, the implementation of the concept of justice will certainly lead to the attainment of economic prosperity and harmony in the social life order of society. The qualitative research method used is the library research method with content analysis. The primary data source was taken from three sources from Abu Ubayd's book entitled The Philosophy of Legal Justice in the Economy and Thoughts on the Needs and Uses of Money. Secondary data sources are Islamic scientific journals, quotations from the book of Abu Ubayd, Islamic economic theories and theses and dissertations. The results of the study indicate that the emergence of a concept of the state's economic life order. One of them has been implemented in Indonesia as a sovereign country through the details of the paragraphs of the 1945 Constitution as the highest source of law. That the basis of this thinking has not been able to achieve what the state aspires to, namely realizing social justice for all Indonesian people. All of this becomes our homework together on how to maximize all the potential that exists, both related to the management of zakat, the development of the Islamic economy through the use of money as a medium of exchange and through the spirit of a philosophical foundation as the main foundation for achieving the country's goals in the context of maximum economic growth accompanied by achievement of social welfare.
subject: Articles
  topic: section
creator: Ina Herawati
creator: Ahmad Sarmadi
rights: Copyright (c) 2022 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2022-04-23
publication date: 2022-04-23
starting page: 14
ending page: 25
doi: 10.17605/8m2mxe36

MSME RETAIL TRANSFORMATION STRATEGY BASED ON SHARIA ECONOMIC PRINCIPLES
type: item
description: The digital transformation of shariah-based retail MSMEs is a strategic effort to enhance competitiveness and ethical business value in the digital era. However, its implementation still faces fundamental challenges such as symbolic tendencies, limitations in digital and shariah literacy, infrastructure gaps, and non-inclusive access to financing. This study aims to analyze the digital transformation of retail MSMEs within the framework of shariah economics using a qualitative approach based on literature review. Data were collected from various selected secondary sources to examine relevant characteristics, challenges, opportunities, and strategies. The findings indicate that the digital transformation of MSMEs is a complex, holistic process, where internal limitations of MSMEs (such as capital and human resources) intersect with external challenges in the form of uneven digital infrastructure, low literacy, and suboptimal regulatory frameworks. On the other hand, shariah principles and the presence of shariah fintech actually offer significant opportunities to build a more just and sustainable financial system. However, there exists a fundamental paradox in the form of a wide gap between available technological innovations and the adoption capacity of business actors. Therefore, effective transformation strategies must focus on building a symbiotic ecosystem through synergistic collaboration among all stakeholders.
subject: Articles
  topic: section
subject: Digital Transformation
  topic: keywords
subject: Retail MSMEs
  topic: keywords
subject: Shariah Fintech
  topic: keywords
creator: Sugina Mr
creator: Ahmad Sarmadi
creator: Dedy Iskandar
creator: Andri Cahyo Purnomo
rights: Copyright (c) 2026 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-02-09
publication date: 2026-02-09
starting page: 1
ending page: 17
doi: 10.17605/xhvw6c59

THE EFFECT OF ORGANIZATIONAL COMMITMENT AND WORK COMPETENCE ON EMPLOYEE PERFORMANCE OF PT TELKOM AKSES SURABAYA
type: item
description: This study aims to analyze the influence of Organizational Commitment and Work Competence on Employee Performance at PT Telkom Akses Surabaya. The telecommunications industry is highly dynamic, requiring employees who are not only competent but also have a high level of commitment. The research uses a quantitative approach with a survey method. The sample consisted of 68 employees selected purposively. Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS 26. The results show that: (1) Organizational Commitment has a positive and significant effect on Employee Performance (β = 0.634; t = 7.159; Sig. 0.000); (2) Work Competence has a positive and significant effect on Employee Performance (β = 0.320; t = 3.713; Sig. 0.000); (3) Simultaneously, both variables have a significant effect on Employee Performance (F = 167.239; Sig. 0.000) with a contribution of 82.3% (R² = 0.823). These results prove that increasing commitment and competence together can improve employee performance. The company is recommended to develop programs to strengthen organizational commitment through employee engagement and to improve competence through continuous training to achieve optimal performance.
subject: Articles
  topic: section
creator: Dolfi Ishak Panjaitan
creator: Ahmad Sarmadi
rights: Copyright (c) 2021 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2021-11-23
publication date: 2021-11-23
starting page: 1
ending page: 9
doi: 10.17605/xvt7sv97

THE ANALYSIS OF THE IMPLEMENTATION OF IB SIAGA PENSION FINANCING ACCORDING TO THE DSN-MUI FATWA ON MURABAHAH TAKE OVER AT BANK KB BUKOPIN SYARIAH KPO SALEMBA JAKARTA
type: item
description: In the current digital era, the growth of Islamic banking in Indonesia continues to show a significant increase. This research aims to analyze the compliance of the implementation of takeover financing contracts for the iB SiAga Pensiun product at Bank KB Bukopin Syariah KPO Salemba Jakarta with the fatwas of the National Sharia Board - Indonesian Ulema Council (DSN-MUI). Using a descriptive qualitative method with field study and literature review approaches, the research finds that the implementation of the Murabahah bil Wakalah contract used does not substantially meet sharia principles. This contract deviates from the pillars of Murabahah due to the absence of a real commodity object (mabi'), potentially leading to gharar and usury (riba), and is not aligned with the specific schemes formulated by DSN-MUI in Fatwa No. 31/2002 and No. 90/2013. The study recommends product reconstruction by replacing the contract with a hybrid scheme (a combination of Qardh, Sale and Purchase, and Murabahah) for takeovers from Conventional Financial Institutions (LKK) and the Hiwalah bi al-Ujrah scheme for takeovers from other Islamic Financial Institutions (LKS). This should be accompanied by a comprehensive revision of internal guidelines and the strengthening of sharia audits to ensure substantive compliance.
subject: Articles
  topic: section
creator: Seta Prasetya
creator: Saiful Anwar
rights: Copyright (c) 2025 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-12-21
publication date: 2025-12-21
starting page: 140
ending page: 150
doi: 10.17605/mczc8y38

ANALYSIS OF THE UTILIZATION AND MANAGEMENT OF ZAKAT FUNDS BY BAZNAS FOR THE PERIOD 2019-2021 EFFICIENCY STUDY OF ZAKAT METHOD CORE PRINCIPLES
type: item
description: The utilization of zakat funds is the process of using zakat funds to meet the needs of mustahik (zakat recipients) in order to improve social and economic welfare. This research analyzes the efficiency of the utilization and management of zakat funds by the National Zakat Agency (BAZNAS) for the 2019-2021 period using the Zakat Core Principles (ZCP) Method. Using a qualitative approach and secondary data from BAZNAS's financial and performance reports, the study measures effectiveness based on the principles of wealth redistribution, moral values, and social solidarity. The results indicate that BAZNAS has achieved a high level of effectiveness in managing zakat funds. Programs, such as staple food assistance, were implemented quickly and on target, providing a significant positive impact in meeting the consumptive needs of mustahik. BAZNAS is considered successful in optimizing the use of funds through targeted programs and cooperation with local partners, thereby contributing to the improved welfare of zakat recipients. To further increase efficiency, it is recommended that BAZNAS strengthen planning, strategy evaluation, and coordination with local partners to ensure increasingly efficient and well-targeted fund distribution.
subject: Articles
  topic: section
creator: Abdul Wahid
creator: Yayat Sujatna
rights: Copyright (c) 2025 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-12-21
publication date: 2025-12-21
starting page: 101
ending page: 114
doi: 10.17605/8b0jqw75

PERAN AMAL USAHA MUHAMMADIYAH DALAM PENGEMBANGAN EKONOMI UMAT DI KOTA TANGERANG
type: item
description: Muhammadiyah Charity in various regions, including Tangerang City, is a manifestation of the organization's efforts in spreading da'wah and realizing a progressive Islamic society. The research aims to analyze the role of Muhammadiyah Business Charity (AUM) in the economic development of the ummah in Tangerang City through a qualitative approach with a case study method. Data collection was carried out through in-depth interviews, field observations, and document analysis to comprehensively understand the contribution of AUM. The focus of the research includes AUM managers and fostered MSME actors who interact directly with Muhammadiyah's economic empowerment program. Primary data was obtained from AUM managers and business actors, while secondary data came from literature studies and institutional reports. The analysis shows that AUM performance is in the good category, characterized by institutional effectiveness, program relevance, and accountable governance. AUM plays a significant role as an economic driver of the ummah through educational, health, social, and business unit services based on sharia economic principles that encourage social justice and economic inclusivity. However, some aspects such as the quality of human resources and business model innovation are still in the poor category so they need strengthening. The impact of AUM is evident in community empowerment, increased access to services, and its contribution to equitable welfare. This finding confirms that optimizing the role of AUM requires synergy between strong internal capacity and adaptability to external dynamics for the economic sustainability of the people in Tangerang City.
subject: Articles
  topic: section
creator: Yusrizal
rights: Copyright (c) 2025 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-12-21
publication date: 2025-12-21
starting page: 121
ending page: 139
doi: 10.17605/xnap8v95

THE CRITERIA FOR PROSPECTIVE LIFE PARTNERS IN FORMING A FAMILY OF SAKINAH MAWADDAH WAROHMAH ACCORDING TO COMMUNITY LEADERS OF PANANCANGAN VILLAGE (CASE STUDY IN CIPOCOK JAYA DISTRICT)
type: item
description: The family of Sakinah Mawaddah Warahmah is the dream of every Muslim, but the reality of the high divorce rate indicates the need for careful consideration in choosing a life partner. This study aims to criticize and uncover the criteria for prospective life partners according to the perspective of local wisdom of community leaders in Panancangan Village, Cipocok Jaya District. This qualitative case study collected data through in-depth interviews with religious leaders, traditional leaders, and parents who were considered successful in fostering households, as well as observations and document studies. The data were analyzed interactively using the Miles and Huberman models. The results of the study form a hierarchical-integrative framework of criteria, consisting of: (1) the foundation of religion and morals as the central axis and value filter, (2) psychological and mental readiness as a tool for navigating relationships, (3) economic and social aspects as a support for household operational stability, and (4) education and insight as a driver of adaptation and family development. These four pillars synergize dynamically with each other, representing a holistic model that blends spiritual idealism with social reality to realize family resilience.
subject: Articles
  topic: section
subject: Criteria for Living Partner
  topic: keywords
subject: Sakinah Mawaddah Warohmah Family
  topic: keywords
subject: Islamic Family Law
  topic: keywords
creator: Ahmad Sarmadi
creator: Syarif Hidayatullah
creator: Bambang Setyawan
rights: Copyright (c) 2025 EKOSSISTEM : Islamic Economics, Banking, Law, System https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-12-21
publication date: 2025-12-21
starting page: 89
ending page: 100
doi: 10.17605/nvw8me29

IMPLEMENTATION OF REGIONAL REGULATION POLICIES IN HANDLING FLOOD DISASTERS IN SOUTH TANGERANG CITY (Case Study: Communication, Human Resources, Disposition and Bureaucratic Structure)
type: item
description: The research method used is a qualitative approach with a case study design. Data was collected through in-depth interviews with local government officials, analysis of policy documents, and field observations in flood- prone locations. This approach allows researchers to gain a deeper understanding of the dynamics that occur in the handling of flood disasters.
subject: Articles
  topic: section
subject: REGIONAL REGULATION POLICIES
  topic: keywords
subject: HANDLING FLOOD DISASTERS
  topic: keywords
subject: Communication
  topic: keywords
subject: Human Resources
  topic: keywords
subject: Disposition and Bureaucratic Structure
  topic: keywords
creator: Muhamad Taslim
creator: Evi Satispi
creator: Fal Harmonis
rights: Copyright (c) 2025 EKOSSISTEM Journal https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-12-21
publication date: 2025-12-21
starting page: 115
ending page: 120
doi: 10.17605/r9j8d351

DA'I COMMUNICATION MANAGEMENT IN THE NAHDLATUL ULAMA RECITATION GROUP IN BEKASI (KAJIAN AL QUR'AN SURAH ALI IMRAN AYAT 104)
type: item
description: The purpose of this study is to explore the management of Da'i communication in the Nahdatul Ulama recitation group in Bekasi based on Surah Ali Imran verse 104. The method used is a qualitative approach with literature study, including analysis of the text of the Qur'an and its interpretation to understand the context and meaning of the verse. Data collection is carried out through an in-depth study of the text. The results of the study show that the management of da'i communication in da'wah to the community is a complex process that requires planning, organizing, implementing and supervising communication as well as having listening skills, empathy, and understanding of verbal and non-verbal elements to create a harmonious relationship with the da'wah community. Good communication management skills not only help Da'i in preaching but also improve the ability to express themselves and understand others, and contribute to a collaborative social climate. This study also identifies how the communication management of a Da'i in dealing with group communication challenges such as resistance between group members due to lack of communication skills to convey and listen to messages from group members. The solution is that government support is needed such as contextual education and communication training for Da'i. Thus, investing in the communication management skills of a Da'i provides important benefits in achieving the broader goals of da'wah, creating an obedient, harmonious, and productive society.
subject: Articles
  topic: section
subject: Communication Management
  topic: keywords
subject: Da'i
  topic: keywords
subject: Community
  topic: keywords
subject: QS Ali Imran (104)
  topic: keywords
creator: Ahmad Soleh
creator: Hadi Hidayat
rights: Copyright (c) 2025 EKOSSISTEM Journal https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-12-21
publication date: 2025-12-21
starting page: 69
ending page: 87
doi: 10.17605/7xz6rr78

COMMUNICATION MANAGEMENT OF THE DEAF COMMUNITY IN INDONESIA PPPA DAARUL QUR'AN D.I. YOGYAKARTA
type: item
description: The Islamic religious education for Deaf Muslims in Indonesia faces various complex challenges, resulting in unequal access to education for deaf and illiterate Muslims. The purpose of the research was to analyze communication management in the Deaf Teaching program. There is research on the descriptive qualitative approach used at the research locus at PPPA Daarul Qur'an Yogyakarta, which is the center of Qur'an education for the Deaf community. Primary data sources were obtained through face-to-face interviews and Zoom media. The results show that planned and inclusive communication management has a significant impact on the education of the Deaf community. In addition, the process of systematic planning and adaptive implementation creates a learning environment that supports growth and active participation. Applying research on the use of visual technology and sign language, the program of the deaf community in Yogyakarta not only meets the needs of religious education but also empowers individuals in the deaf community. The output of this study proves that inclusive and adaptive education can change social dynamics and increase access for people with disabilities.
subject: Articles
  topic: section
subject: Manajemen komunikasi
  topic: keywords
subject: Tuli mengaji
  topic: keywords
subject: PPPA Darul Qur’an
  topic: keywords
creator: Diah Fitriatus Sholihah
creator: Sa’diyah El Adawiyah
rights: Copyright (c) 2025 EKOSSISTEM Journal https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-12-21
publication date: 2025-12-21
starting page: 56
ending page: 68
doi: 10.17605/ss4kg250

PRE-DISPUTE OF LAND WAKAF IN THE PERSPECTIVE OF ARTICLE 40 OF LAW NO. 41 OF 2004 ON WAKAF AS A SOLUTION TO EDUCATIONAL ISSUES IN INDONESIA
type: item
description: This is study examines the pre-dispute of land waqf in the perspective of Article 40 of Law No. 41 of 2004 as a solution to education problems in Indonesia, with a focus on the community in Tangerang. The complex issue of secondary education raises tensions between the legal meaning and practice of waqf, especially related to the use of waqf assets for education. The research method used was qualitative with data collection through interviews, observations, and documentation at the Al Mabrurotul Munawwaroh Al Amanah Foundation. Interviews were conducted with education managers, related officials, and administrators of the Indonesian Waqf Board (BWI). The results of the study show that the prevention of waqf disputes is highly dependent on transparent and participatory asset management, as well as the understanding of rights and obligations through socialization. The ambiguity of the waqf pledge deed needs to be overcome to strengthen the legitimacy of management. The conflict between the heirs and the nadzir reflects a social dynamic that requires a constructive solution. These findings confirm that a clear legal framework and collaboration between parties are essential to utilize land waqf in improving access and quality of education in Indonesia.
subject: Articles
  topic: section
subject: Waqf Assets
  topic: keywords
subject: Waqf Disputes
  topic: keywords
subject: Waqf Nadzir
  topic: keywords
creator: Syarif Hidayatullah
creator: Ahmad Sarmadi
rights: Copyright (c) 2025 EKOSSISTEM Journal https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-12-21
publication date: 2025-12-21
starting page: 18
ending page: 37
doi: 10.17605/zwv4az22

THE ROLE OF RELIGIOUS INFLUENCERS IN THE DA'WAH DIGITAL SYSTEM A STUDY OF OPPORTUNITIES AND CHALLENGES IN THE COMMUNITY
type: item
description: This study aims to examine the role of religious inOluencers in digital da'wah in Indonesia, a country with a majority Muslim population. Despite the signiOicant potential to disseminate Islamic teachings through modern technology, communication barriers hinder the understanding of these teachings. Da'wah communication is considered crucial in Islam to attain the best rewards. The research methodology is qualitative with a descriptive approach. The results indicate that religious inOluencers bear a signiOicant responsibility in accurately and effectively conveying religious teachings through various communication channels. While easy access to online information presents opportunities, challenges such as misinformation dissemination and societal resistance need to be addressed. To overcome these obstacles, inOluencers must become intelligent, adaptive communicators who build trust with their audiences. By bridging tradition with technology, digital da'wah can serve as an effective means to responsibly disseminate religious values in the continuously evolving digital era.
subject: Articles
  topic: section
subject: Religious influencers
  topic: keywords
subject: Digital da'wah
  topic: keywords
subject: Opportunities and challenges in society
  topic: keywords
creator: Ahmad Soleh
creator: Tria Patrianti
rights: Copyright (c) 2025 EKOSSISTEM Journal https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-12-21
publication date: 2025-12-21
starting page: 38
ending page: 55
doi: 10.17605/nfksah90

THE EFFECTIVENESS OF VILLAGE HEAD POLITICAL COMMUNICATION IN INCREASING THE SUCCESS OF THE CLIMATE VILLAGE PROGRAM
type: item
description: Unstable climate change has the potential to reduce economic growth, food security, and human health. This study aims to explore the effectiveness of political communication of village heads in increasing the success of the Climate Village Program. Qualitative research method with interviews with 30 village heads who have received awards from the National Climate Change Week (PNPI) and content analysis from 30 relevant communication journals. The results of the analysis show that effective political communication plays a role in creating a society that is aware and responsive to environmental issues. The implementation of a good socialization strategy involving all levels of society and information transparency encourages active participation and collaboration, which is essential for the success of the program. The support of community and government leaders, as well as the intensification of communication, is very good for increasing the positive impact on environmental sustainability. The implications of the implementation for other heads of desai that do not include informants are more effective in implementation if there are program challenges that require serious attention, especially in two implementations, namely improving environmental education and infrastructure investment. The results of this study refer to the need for integrated efforts in environmental management and sustainable development.
subject: Articles
  topic: section
subject: Political Communication
  topic: keywords
subject: Village Heads
  topic: keywords
subject: Climate Village Programs
  topic: keywords
creator: Hasti Retno Dewi
creator: Tria Patrianti
creator: Fal Harmonis
rights: Copyright (c) 2025 EKOSSISTEM Journal https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-12-21
publication date: 2025-12-21
starting page: 1
ending page: 17
doi: 10.17605/4mbtj527