JURNAL ECONOMINA https://ejournal.45mataram.ac.id/index.php/economina <p><strong>Jurnal Economina (JE)</strong> is a peer-reviewed journal which publishes original research papers. ECONOMINA has been published since 2022. It is currently published with <a href="https://issn.brin.go.id/terbit/detail/20220913392107936" target="_blank" rel="noopener"><strong>e-ISSN: 2963-1181</strong></a>. The Digital Object Identifier (DOI) is assigned to each published article and the journal is indexed by Crossref, GARUDA, Neliti.Com, Dimensions and Google Scholar.</p> <p>Areas of research include, but are not limited to Global Business, Transition Issues, Economic Growth and Development, Economics of Organizations and Industries, Finance and Investment, Strategic Management, Human Resources, Marketing, Innovations, Public Administration, and Accounting.</p> <p>The journal has been Nationally Accredited in <strong><a href="https://sinta.kemdiktisaintek.go.id/journals/profile/17292" target="_blank" rel="noopener">SINTA 3</a></strong> by the Ministry of Education, Culture, Research, and Technology of The Republic of Indonesia as an achievement for the peer-reviewed journal which has excellent quality in management and publication. The recognition published in <a href="https://drive.google.com/file/d/1WbP5vtgVnR2ruVQjzJ92W9-QrgRhY9ah/view?usp=sharing" target="_blank" rel="noopener"><strong>156/C/C3/KPT/2026 on 7 April 2026</strong></a> which is valid until 2028.</p> LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram en-US JURNAL ECONOMINA 2963-1181 The Effectiveness of Women's Empowerment Through Rattan Weaving Entrepreneurship in Improving Access and Quality of Education in Cirebon https://ejournal.45mataram.ac.id/index.php/economina/article/view/1933 <p><em>Women’s empowerment through entrepreneurship has become an important strategy for improving family welfare while expanding access to education. This study aims to analyze the effectiveness of women’s empowerment programs through rattan weaving entrepreneurship in Tegalwangi Village, Weru District, Cirebon Regency, and to examine their implications for improving access to and quality of education within artisans’ families. The study employs a qualitative approach using a case study method. Informants were selected purposively and included village officials, rattan business actors, and women artisans involved in the production process. Data were collected through observation, in-depth interviews, and documentation, and analyzed using the interactive analysis model developed by Matthew B. Miles and A. Michael Huberman, which consists of data reduction, data display, and conclusion drawing. The findings indicate that the women’s empowerment program through rattan weaving entrepreneurship is relatively effective in improving women artisans’ skills, economic participation, and income. Increased household income contributes to families’ ability to meet children’s educational needs, thereby potentially improving access to and quality of education at the household level. However, several challenges remain, including limited access to capital, insufficient institutional strengthening, and restricted support for product promotion and market expansion. Therefore, strengthening local economic institutions, policy support, and the development of broader marketing networks are necessary to enhance the sustainability of the program and its contribution to educational development in Cirebon Regency.</em></p> <p> </p> Khusnul Khotimah Nurkholis Nurkholis Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 610 617 10.55681/economina.v5i4.1933 Implementation Of The New Student Admission System (SPMB) Policy At Sma Negeri 1 Mataram By The Department Of Education And Culture Of West Nusa Tenggara Province https://ejournal.45mataram.ac.id/index.php/economina/article/view/1934 <p><em>This research is motivated by the misalignment of admission pathways in the implementation of the New Student Admission System (SPMB) at SMA Negeri 1 Mataram, conducted by the Department of Education and Culture of West Nusa Tenggara Province. This policy is implemented as an effort to promote equitable access to and quality of education across all regions, particularly at the senior secondary education level. The main issues encountered in the implementation of this policy include a surge in applicants to favored schools, public resistance to the zoning system, and various technical and social obstacles. This research adopts a descriptive qualitative approach, utilizing observation, in-depth interviews, and documentation for data collection. Data analysis was conducted using the interactive model by Miles and Huberman, supported by Atlas.ti 25 software to map the findings. The study focuses on (1) the implementation of the SPMB policy, (2) supporting and inhibiting factors in the implementation process, and (3) strategies employed to overcome the challenges. The findings reveal that the SPMB policy at SMA Negeri 1 Mataram has been implemented in accordance with guidelines from the Education Department, yet still faces significant challenges such as domicile data manipulation, limited infrastructure, and insufficient public outreach. Key supporting factors include the school's commitment, readiness of the online system, and supportive regulations. Strategies undertaken include enhanced inter-institutional communication, adaptation of admission quota allocation, and improvements to digital services. This research recommends strengthening transparency, equal distribution of facilities across schools, and reinforcing monitoring and regular evaluation systems for the SPMB implementation. The findings are expected to serve as a reference for refining education policies, particularly in ensuring fair and equitable student admissions.</em></p> Aryani Kusuma Mukti Tatang Sudrajat Rita Sulastini Yuyun Yuniarsih Farida Yuliaty Kosasih Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 618 627 10.55681/economina.v5i4.1934 Financial Performance and Earnings Management: The Moderating Role of Digital Transformation https://ejournal.45mataram.ac.id/index.php/economina/article/view/1935 <p><em>This study aims to examine the effect of financial performance on earnings management and the moderating role of digital transformation in this relationship. Financial performance is proxied by Return on Assets (ROA) and firm size, earnings management is measured using discretionary accruals based on the Modified Jones Model, and digital transformation is measured through a digital keyword disclosure index derived from company annual reports. The population consists of infrastructure sector companies listed on the Indonesia Stock Exchange (IDX) for the period 2021–2024, with a purposive sample of 39 companies. Data analysis employs Moderated Regression Analysis (MRA) using IBM SPSS Statistics 26. The findings indicate that ROA and firm size do not significantly affect earnings management directly. Similarly, digital transformation does not moderate the relationship between ROA and earnings management. However, digital transformation significantly moderates the effect of firm size on earnings management, where large infrastructure companies with intensive digital transformation adoption exhibit a stronger tendency toward earnings management. These findings suggest that digital transformation plays a double-edged role in financial reporting governance and does not automatically reduce managerial opportunism; rather, it may generate new performance pressures that encourage earnings management in larger firms. This study contributes to the accounting literature in the digital era, particularly in understanding the interaction between digital transformation and financial reporting in the Indonesian infrastructure sector.</em></p> Roy Budiharjo Asrarul Rahman Idayu Rahmadewi Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 628 648 10.55681/economina.v5i4.1935 Economic Valuation of the Development and Maintenance of Merdeka Square in Malang City and Merjosari Park Using a Use Value Approach and Cost Benefit Analysis Method https://ejournal.45mataram.ac.id/index.php/economina/article/view/1939 <p><em>Urban green open spaces (RTH) play a crucial role in supporting ecological balance and socio-economic development in rapidly growing cities. This study aims to analyze and compare the economic benefits of Alun-Alun Merdeka Malang City and Merjosari Park, and to evaluate whether the government’s development and maintenance costs are commensurate with the long-term benefits received by the community. This research employs a quantitative approach using the Cost-Benefit Analysis (CBA) method, incorporating Net Present Value (NPV), Benefit-Cost Ratio (BCR), Internal Rate of Return (IRR), and Payback Period (PP) with a 5% discount rate. Primary data were collected through the Contingent Valuation Method (CVM) using a dichotomous choice approach to estimate Willingness to Pay (WTP), and analyzed using binary logistic regression. The results indicate that both RTH locations are economically feasible, with positive NPV, BCR &gt; 1, and IRR exceeding the discount rate. Although the difference in WTP is relatively small (1.77%), Alun-Alun Merdeka generates approximately 205% higher total economic benefits due to having around 200% more visitors. Its IRR (34.32%) is significantly higher than Merjosari Park (8.93%), with a faster payback period. These findings imply that while all RTH investments are economically viable, city-scale green spaces yield higher economic returns, whereas neighborhood-scale parks remain essential for ensuring equitable social and environmental benefits.</em></p> Abdurrahman Muhyiddin Farida Rahmawati Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 649 661 10.55681/economina.v5i4.1939 The Influence of Brand Awareness & Brand Image on Brand Trust and Customer Loyalty https://ejournal.45mataram.ac.id/index.php/economina/article/view/1944 <p><em>This study examines the influence of brand awareness and brand image on brand trust and customer loyalty in Ganesha Bospom Workshop in Malang at Ganesha Bengkel Bospom Malang. The research aims to analyze how brand awareness and brand image contribute to building brand trust and how brand trust affects customer loyalty in a local automotive service business. This study employs a quantitative explanatory research design. Data were collected through a structured questionnaire distributed to 74 loyal customers of Ganesha Bengkel Bospom Malang and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that brand awareness and brand image have a positive and significant effect on brand trust. Furthermore, brand trust has a positive and significant effect on customer loyalty and is proven to mediate the relationship between brand awareness and brand image on customer loyalty. These findings suggest that customer loyalty is not solely formed by brand perceptions, but is strongly influenced by the level of trust customers place in the brand. Practically, the findings provide important implications for service-based businesses, particularly in the automotive service industry, to focus on building brand awareness and brand image as a foundation for strengthening customer trust and achieving long-term customer loyalty</em></p> Prasetyo Wimar Eko Cahyono M. Taufiq Noor Rokhman Novita Rifaul Kirom Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 662 675 10.55681/economina.v5i4.1944 Competitive Advantage as a Catalyst Aligning Entrepreneurial and Market Orientations in Sumbawa MSMEs https://ejournal.45mataram.ac.id/index.php/economina/article/view/1945 <p><em>This research examines the influence of market orientation (MO) and entrepreneurial orientation (EO) on the performance of micro, small, and medium enterprises (MSMEs), with particular emphasis on the mediating effect of competitive advantage (CA). Anchored in the principles of the Resource-Based View and Dynamic Capabilities Theory, the study argues that strategic orientations can only enhance firm outcomes once they are effectively transformed into durable competitive strengths.A quantitative causal approach was employed through a structured survey administered to MSME managers and business owners in Sumbawa Regency. Data were processed using Partial Least Squares Structural Equation Modeling (SEM–PLS). The analysis demonstrates that EO exerts a significant direct effect on MSME performance, whereas MO contributes indirectly via CA. Both strategic orientations show positive associations with competitive advantage, which subsequently leads to improved performance outcomes. The model demonstrates strong explanatory and predictive capability, reflected in R² values of 0.591 for CA and 0.706 for performance, supported by substantial Q² values. Overall, the results suggest that MO and EO generate meaningful performance improvements only when strategically leveraged to build sustainable competitive advantage. The study enriches theoretical discourse on MSME strategic behavior and offers practical insights to strengthen innovation capacity, responsiveness, and adaptability.</em></p> Rian Hardiansyah Mikhratunnisa Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 676 691 10.55681/economina.v5i4.1945 Collaborative Strategy for Marine Tourism Development Through Empowerment of Creative Economy Based MSMEs in Enhancing the Economy in Bone Bolango Regency https://ejournal.45mataram.ac.id/index.php/economina/article/view/1947 <p><em>This study aims to analyze collaborative strategies in developing marine tourism through the empowerment of Micro, Small, and Medium Enterprises (MSMEs) based on the creative economy in Bone Bolango Regency. The research focuses on three main issues: collaborative strategies among stakeholders, the role of creative economy-based MSMEs in strengthening destination competitiveness, and the challenges of managing and marketing marine tourism. A descriptive qualitative method was employed, with data collected through observation, in-depth interviews, Focus Group Discussions (FGDs), and documentation. The data were analyzed thematically, complemented by SWOT analysis, stakeholder analysis, and the Analytical Hierarchy Process (AHP) to determine strategic priorities. The findings reveal that marine tourism development in Bone Bolango has adopted a pentahelix collaboration model, where the government acts as regulator and facilitator, businesses provide services, academia generates knowledge and training, local communities manage destinations, and media serve as promotion and education agents. MSMEs play a vital role as drivers of the creative economy through handicrafts, culinary products, and tourism services based on local wisdom. However, challenges persist, including limited digital literacy, restricted access to financing, environmental threats, and competition with other marine destinations. This study proposes an adaptive collaborative strategy that integrates MSMEs into marine tourism governance, emphasizing creative economy practices to promote inclusive and sustainable development.</em></p> Mohamad Fadly Binolombangan Kurniadi K. Hasan Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 692 701 10.55681/economina.v5i4.1947 The Effect Of Organizational Justice And The Ability To Manage Conflicts Of Interest On Organizational Commitment And Its Implications On Sustainable Human Resource Performance In Mining Companies In East Kalimantan https://ejournal.45mataram.ac.id/index.php/economina/article/view/1952 <table width="605"> <tbody> <tr> <td width="386"> <p><em>The problem of this research departs from the low performance of sustainable human resources (HR) in mining companies in East Kalimantan. This phenomenon is characterized by high turnover rates, low employee engagement, weak conflict of interest management, and low perception of organizational fairness. This condition indicates structural and psychosocial problems that hinder the formation of strong organizational commitments, which ultimately leads to a decline in long-term performance consistency. This research is directed to explore the impact of organizational justice and ability to manage conflicts of interest on organizational commitments, as well as its implications for the sustainability of human resource (HR) performance in the mining sector in East Kalimantan. In addition, this study investigates the function of organizational commitment as a mediator in the relationship between organizational justice, conflict of interest management, and sustainable human resource performance. Quantitative methods are used, with a correlational research design.&nbsp; This study involved all employees of mining companies totaling 1,669 people; The proportional random sampling technique was used to sample as many as 190 people from them.&nbsp; The data collection tool is a questionnaire created based on theoretical indicators for each variable. The direct and indirect relationships between variables were tested using Structural Equation Modeling (SEM) using a Smart PLS device for data analysis. The results of the study show that organizational fairness benefits organizational commitment and HR performance. In addition, the ability to manage conflicts of interest also benefits organizational commitment and human resource performance. In addition, organizational commitment benefits overall HR performance.&nbsp; In addition, organizational commitment as a mediation variable has an indirect impact on organizational justice and the ability to manage conflicts of interest on performance. This research shows that sustainable improvement of human resource performance does not only depend on technical components, but also requires the improvement of psychosocial elements such as conflict of interest management and organizational justice.&nbsp; Therefore, mining companies in East Kalimantan must create a fair and transparent system and implement a collaborative conflict management strategy.&nbsp; Ultimately, these measures will result in a high organizational commitment, which will ensure the sustainability of human resource performance and support the achievement of long-term business targets and compliance with sustainability (ESG) principles</em></p> </td> </tr> </tbody> </table> Jonedi Tuling Tata Rustandi Khaeruman Khaeruman Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 702 722 10.55681/economina.v5i4.1952 Responsiveness Mediates Accountability and Transparency for Stakeholder Participation in Pondok Pesantren https://ejournal.45mataram.ac.id/index.php/economina/article/view/1958 <p>This study investigates how perceived accountability (PA) and perceived transparency (PT) shape stakeholder participation (PP) in Pondok Pesantren, with perceived responsiveness (PR) as a mediator. Using a quantitative, causal design and Partial Least Squares-Structural Equation Modelling (PLS-SEM), data were collected from 89 stakeholders (students, parents/ guardians, alumni, local community, and donors) across several Pesantren in Jember. The measurement model shows strong reliability and validity (CR = 0.922—0.964; AVE &gt; 0.50; all loadings &gt; 0.70; VIF &lt; 5). The structural model explains 81.5% of the variance in participation (R-square = 81.5%) and 77.3% in responsiveness (R-square = 0.773), with high predictive relevance (Q-Square PP = 0.595; Q-Square PR = 0.558). Key paths indicate that PR → PP is the strongest predictor (O = 0.539; p &lt; 0.001), PT → PR (O = 0.331; p = 0.0012) are significant. Mediation tests confirm full mediation of PR in the PA → PR (O = 0.313; p = 0.002) and partial mediation in the PT → PP link (O = 0.178; p = 0.026). The findings suggest that accountability and transparency foster participation when they are experienced as responsiveness, offering a governance pathway aligned with amanah, ihsan, and shura..</p> Munir Is’adi Abdur Rakhman Wijaya Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 723 732 10.55681/economina.v5i4.1958 ANALYSIS OF THE ROLE OF SANOLO VILLAGE GOVERNMENT IN FAMILY ECONOMIC WELFARE FROM A SHARIA ECONOMIC PERSPECTIVE (CASE STUDY OF SALT FARMERS IN SANOLO VILLAGE, BIMA REGENCY) https://ejournal.45mataram.ac.id/index.php/economina/article/view/1961 <p>This study aims to analyze the role of the Sanolo Village Government in improving the economic welfare of salt farming families in Sanolo Village, Bima Regency, from a sharia economic perspective. This research used a qualitative method with a case study approach. Data were collected through observation, interviews, and documentation studies relevant to the socio-economic conditions of the salt farming community and village government policies. The results indicate that the Sanolo Village Government plays a significant role in supporting the improvement of family economic welfare through various empowerment programs, assistance with production facilities, and strengthening community economic institutions. From a sharia economic perspective, these efforts align with the principles of justice, welfare, and social responsibility, although several obstacles remain in their implementation, such as limited access to capital and fluctuations in salt prices. In conclusion, the village government plays a significant role in improving the economic welfare of salt farmers. However, strengthening sharia-based economic strategies is needed to create a more just, sustainable, and equitable welfare for the community.</p> Eka H.ihwan P. Syamsudin Dinah Husniah Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 733 742 10.55681/economina.v5i4.1961 Analysis of the Resilience of the Merah Putih Village Cooperative from the Perspective of Maqashid al-Sharia Amid Global Economic Dynamics https://ejournal.45mataram.ac.id/index.php/economina/article/view/1964 <p><em>The Village Merah Putih Cooperative is a flagship program of the Indonesian government launched through Presidential Instruction Number 9 of 2025 to strengthen economic resilience at the village level. This study analyzes the resilience of the cooperative from the perspective of Maqashid Syariah amid global economic dynamics characterized by commodity price fluctuations, geopolitical tensions, and recession threats. Using a qualitative descriptive approach and literature study, this research finds that the five elements of Maqashid Syariah preservation of religion (hifz al-din), life (hifz al-nafs), intellect (hifz al-aql), lineage (hifz al-nasl), and property (hifz al-mal) provide a robust conceptual framework for the cooperative’s sustainability. The results indicate significant potential for improving financial inclusion and food security, although governance and digital adaptation challenges remain. This study recommends strengthening Sharia principles in cooperative operations to serve as a resilient model of people’s economy.</em></p> Sri Rahayu R. Ilfan Muhammad Dewi Fatmasari Aan Jaelani Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 743 756 10.55681/economina.v5i4.1964 The Impact of a Total Compensation System on Employee Retention Through Increased Job Satisfaction: An Analysis of Online Employee Reviews at Kopi Kenangan https://ejournal.45mataram.ac.id/index.php/economina/article/view/1967 <p>This study attempts to examine the extent to which the total competency system influences a company's ability to retain its employees, by positioning job satisfaction as a variable mediating the relationship. The object of the study is centered on Kopi Kenangan, one of the most aggressive players in the Indonesian food and beverage (F&amp;B) industry. The case study approach was conducted using secondary data sources, namely a collection of online reviews left by employees on the Glazdoor and Indeed platforms from 2021 to 2024. The analysis revealed that employee perceptions of both financial and non-financial compensation components remain below expectations, particularly regarding base salary, bonus schemes, and workload distribution. This inequality contributes to low job satisfaction, which ultimately increases the likelihood of employees leaving the company. This result is in line with the total reward framework developed by Milkovich, Newman &amp; Gerhart (2020) and Herzberg's two-factor theory, and also provides a basis for recommendations for companies in the F&amp;B sector to redesign their compensation policies in a more comprehensive and strategic manner.</p> Nazwa Asysara Insani Nadia Safira Rоslyana Nazwa Zalfadhiya Agung Zulfikri Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 757 764 10.55681/economina.v5i4.1967 Economic Valuation of Udayana Green Open Space in Mataram City: A Contingent Valuation Method (CVM) Study https://ejournal.45mataram.ac.id/index.php/economina/article/view/1970 <p><em>Green Open Space (GOS), as a public good, provides essential ecological, socio-cultural, economic, and aesthetic benefits to the community. However, the economic value associated with these benefits is often not adequately captured or quantified. This study aims to estimate the economic value of Udayana Green Open Space in Mataram City using the Contingent Valuation Method (CVM) within a descriptive quantitative framework. The study population comprises residents of Mataram City across six districts, with the sample size determined using the Slovin formula, resulting in 100 respondents. Primary data were collected through structured questionnaires administered to respondents who met the predefined criteria, while secondary data were compiled using an empirical approach due to the limited availability of official data from relevant institutions. The data were analyzed using multiple linear regression. The results indicate that the mean willingness to pay (WTP) is IDR 2,000, with an estimated total annual economic value of approximately IDR 1.5 billion. Furthermore, the findings reveal that, simultaneously, education, income, visitation frequency, GOS facilities, environmental awareness, and institutional factors have a positive and statistically significant effect on respondents’ WTP. However, partial analysis shows that education and environmental awareness do not have a statistically significant effect on WTP.</em></p> Orchidamoty Orchidamoty Diswandi Diswandi M Firmansyah Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 765 776 10.55681/economina.v5i4.1970 Exploration Practice Management Green Quality and Its Impact to Sustainability https://ejournal.45mataram.ac.id/index.php/economina/article/view/1985 <p><em>Study This aim For explore practice management quality green as well as analyze the impact to sustainability organization. Management quality green is approach strategic integration​ principle management quality with aspect environment use increase performance sustainable research​ This use approach qualitative with design studies case For get comprehensive understanding​ related implementation practice said. Informant in study This consists of on owner business as informant main, manager operations and employees as informant key, and customer as informant additional, selected purposively. The data collection technique was carried out through interview in-depth, observation, and documentation. Data analysis using technique analysis thematic through stages data reduction, data presentation, and data extraction conclusion . Research results show that practice management quality geen implemented through efficiency use source power , management waste sustainable use​ material friendly environment , as well as implementation standard operational based environmental factors​ supporters main covering commitment management , level awareness environment employees , and integration internal organizational policies . Implementation the give impact positive to improvement performance environmen, efficiency operational, as well as strengthening Power competitiveness and image organization. However Thus, there are a number of constraint in implementation, including limitations​ source power, lack of understanding technical, as well as Not yet optimally support policy external. Therefore that, is necessary synergy between organizations and stakeholders interest For strengthen implementation management quality green. Research This expected give contribution theoretical and practical in sustainability strategy development organization</em></p> Supriyono Supriyono Dwi Suryanto Fredly Dwi Ibnu Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 777 786 10.55681/economina.v5i4.1985 Analysis of the Distribution and Sharia Compliance of Bank Muamalat’s Kuningan Branch “Soleh” (Hijrah Gold Solution) Product in the Digital Age https://ejournal.45mataram.ac.id/index.php/economina/article/view/1998 <p><em>This study aims to analyze the distribution mechanism and sharia compliance of the Solusi Emas Hijrah (SOLEH) product at Bank Muamalat in the digital era. The research uses a qualitative descriptive approach with a case study design. Data were collected through in-depth interviews, documentation, and literature studies, and analyzed using data reduction, data display, and conclusion drawing techniques. The results show that the gold financing mechanism through SOLEH is conducted using murabaha and rahn contracts, both manually and digitally through the Muamalat DIN application. From a sharia perspective, the implementation has complied with the principles set by DSN-MUI and international standards, including asset ownership, price transparency, and contract clarity. The use of digital systems in this product also reflects the concept of constructive possession (qabd hukmi). However, continuous supervision is required to minimize potential uncertainty risks. This study contributes to the development of digital Islamic financial services while maintaining sharia compliance.</em></p> Ela Nurlaela Siti Aisah Sri Rahayu Misbahul Khoer Sri Rokhlinasari Alvien Septian Hariesma Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-04-29 2026-04-29 5 4 787 799 10.55681/economina.v5i4.1998