Journal of Industrial and Syariah Economics
Original Title : Journal of Industrial and Syariah Economics Journal Abbr. : J. Ind. Sya. Economics. ISSN : 3026-6033 (e) DOI : 10.63321/JISE Pub. Frequency : Twice in a year (October and April) Citation Analysi : Google Scholar, Garuda, Dimensions, SINTA Publisher : Prodi Ekonomi Syariah - STAI Senori Tuban Affiliation : STAI Senori Tuban, Indonesia Editorial Office : Jl. Kyai Joned No. 62 Jatisari Senori Tuban - Jawa Timur, Indonesia Journal of Industrial and Syariah Economics is an academic journal that focuses on Sharia economics, integrating the principles of Islamic economics with modern economic practices and sectors related to products and services that comply with halal principles in Islam. Halal products include food, beverages, cosmetics, pharmaceuticals, and various other goods permitted in Islam. The halal industry also encompasses services such as halal tourism, halal finance, and halal education. This journal presents in-depth scholarly articles on topics such as Sharia Finance, Islamic Banking, Islamic Investment, Islamic Economics, Legal and Ethical Aspects of Sharia Economics, Sharia Economic Education, Community Welfare, and industrial areas including Halal Certification, Halal Product Innovation, Halal Product Marketing, Halal Finance and Investment, Legal and Ethical Aspects, Technology in the Halal Industry, Halal Education and Awareness, studies on public education and awareness regarding halal products, and the role of educational institutions in enhancing understanding of the halal industry. The journal provides a platform for researchers and academics to share their ideas, analyses, and critical perspectives on key issues in the fields of economics and industry. The Journal of Industrial and Syariah Economics aims to foster profound intellectual discussion and valuable contributions to the understanding of Islamic intellectual heritage.
Program Studi Ekonomi Syariah STAI Senori Tuban
Licensing © The Author(s). Journal of Industrial and Syariah Economics. This is an Open Access article distributed under the terms of Attribution-NonCommercial 4.0 International (CC BY-NC 4.0).
Pengaruh Literasi Keuangan Syariah, Religiusitas, dan Pendidikan terhadap Pemahaman Riba pada Produk Mikro Syariah di Desa Kaligede, Tuban
The Islamic finance industry in Indonesia has experienced significant growth over the last few decades. However, this growth has not been accompanied by increased public understanding of sharia principles, especially regarding riba in microfinance products. This is a challenge in increasing Islamic financial literacy and inclusion, especially in rural areas such as Kaligede Senori Tuban Village, where public understanding of riba remains low, possibly due to limited Islamic financial literacy, religious awareness, and educational levels. The purpose of this study is to determine the influence of Islamic financial literacy, religious awareness, and education level on the understanding of riba of sharia microfinance products. This study uses a quantitative approach, employing a survey method with an online questionnaire distributed to 35 housewives in Kaligede Village. The data obtained was then analyzed using multiple linear regression with the help of SPSS 16.0 software. In this study, it was found that: First, the variable of Sharia Financial Literacy has a t-calculation value of 2.718 > t-table of 2.040 and a significance value of 0.011 < 0.05. Second, the Religiosity Awareness variable has a t-count value of 0.212 < t-table of 2.040 and a significance value of 0.833 > 0.05. Third, the Education Level variable has a t-count value of 0.964 < t-table of 2.040 and a significance value of 0.342 > 0.05. Fourth, simultaneously, the variables of Islamic financial literacy (X1), awareness of religiosity (X2), and education level (X3) had a significant effect on the understanding of usury of Islamic microfinance products (Y) with an F-calculation value of 4.913 > f-table of 2.90 and a significance value of 0.007 < 0.05. Fifth, Islamic financial literacy is the most dominant variable in influencing public understanding of riba, with a beta value of 0.449.
Islamic Financial Literacy, Religiosity Awareness, Education Level, Riba, Sharia Microfinance
Copyright (c) 2025 Khoiriyah Wahyu Qomariatul https://creativecommons.org/licenses/by-nc/4.0
Spiritual Marketing dan Experiential Marketing untuk Menjaga Kepercayaan Pelanggan
Basic English Course (BEC) is the oldest English course institution in Pare. BEC is over 47 years old, but uniquely, this institution has never promoted through any advertisements, including online marketing on any social media. The study aims to analyze and describe the spiritual marketing strategy and experiential marketing in maintaining customer trust as a language course institution in the era of globalization. The study employed a phenomena descriptive approach with observation and correlation. The result of this study found that in maintaining customer trust, BEC is a course institution that is oriented towards quality over quantity. Moreover, it is supported by the experience of alumni and the success of BEC alumni in the community. It became the most effective and efficient marketing channel. The marketing channel is formed naturally and is the concrete form of spiritual marketing and experiential marketing, reflecting how authenticity, sincerity, and shared experience can build long-term trust and sustainability without relying on conventional promotional strategies.
Spiritual Marketing And Experiential Marketing, Customer Trust, Course Institutions
Copyright (c) 2025 Ika Nazilatur Rosida https://creativecommons.org/licenses/by-nc/4.0
Implementasi Akad Mudharabah pada Produk Simpanan Hewan Qurban
Although conceptually, the mudharabah contract emphasizes business cooperation between the fund owner (shahibul maal) and the fund manager (mudharib), in practice, there are still discrepancies between theory and its implementation in the field. This study aims to analyze the implementation of the mudharabah contract in the SiMudaQu product and to assess its level of compliance with Sharia principles and the DSN-MUI fatwa. The research methodology used in this study is descriptive qualitative research with a field research approach. Data collection techniques were employed through in-depth interviews, direct observation, and documentation studies involving BMT managers and members who utilize the SiMudaQu product. The data obtained were analyzed using a descriptive qualitative analysis method by comparing the practices in the field with the theory of fiqh muamalah and the provisions contained in DSN-MUI Fatwa No. 07/DSN-MUI/IV/2000 concerning Mudharabah (Qiradh) Financing. The results show that the implementation of the mudharabah contract in the SiMudaQu product is not fully in accordance with the theory of fiqh muamalah. Administratively, the BMT has used the mudharabah contract through the signing of documents and the establishment of a ratio of 40% for members and 60% for the BMT. However, the savings funds are not managed productively, as is characteristic of a true mudharabah. This practice indicates that the contract used is still formal and administrative in nature and does not reflect the principles of partnership and justice as stipulated in the DSN-MUI fatwa No. 07/DSN-MUI/IV/2000. Therefore, a review of the application of the contract in the SiMudaQu product is necessary to ensure its compliance with sharia principles and the values ​​of maqāṣid al-syarī‘ah.
Copyright (c) 2025 Ulil Absor Faiq Abdilah, Mustofa Mustofa, Izzatul Ilmiyah https://creativecommons.org/licenses/by-nc/4.0
Analisis Fatwa DSN-MUI No. 73/DSN-MUI/XI/2008 tentang Musyarakah Mutanaqisah
The Murabahah contract, which has long been widely used by Islamic banking institutions to realize their financing functions, has shown several weaknesses, despite being a relatively certain and simple mode to implement. Such certainty, however, becomes a drawback for banks when the banking industry, including Islamic banks, must adjust the amount of credit payments made by customers in accordance with prevailing interest-based models within Islamic banking systems. The objective of this study is to analyze the legal foundations, rationality, and relevance of implementing the Musyarakah Mutanaqisah contract as a solution to the weaknesses of the Murabahan contract in modern Islamic financing. The research methodology employed in this study is library research, which involves examining various primary and secondary sources such as the fatwas of the National Sharia Council og the Indonesian Ulema Council (DSN-MUI), opinions of classical scholars related to partnership-based financing. The findings of this study indicate that the ijtihad of DSN-MUI in formulating the fatwa on Musyarakah Mutanaqisah is strongly supported by both naqli arguments and the views of previous scholars. Although Musyarakah Mutanaqisah represents a new form of business partnership, the application of a hybrid contract approach can serve as an innovative solution for Islamic banking, providing both convenience and fairness for customers
Fatwa, National Sharia Council Indonesian Ulema Council (DSN-MUI).
Copyright (c) 2025 M. Thoha Ainun Najib, Izzatul Ilmiyah https://creativecommons.org/licenses/by-nc/4.0
Faktor Penentu Alih Fungsi Lahan Sawah di Tingkat Rumah Tangga Petani dan Wilayah di Provinsi Bali
The conversion of rice fields to non-agricultural uses in Bali poses a serious threat to food security and the sustainability of the Subak traditional irrigation institution. This study aims to identify the driving factors behind rice field conversion at both the regional and household levels. A quantitative approach was employed using a survey method. Secondary data were obtained through a literature review from various relevant sources. Data analysis was conducted using two approaches: (1) logistic regression to examine the factors influencing farmers’ decisions to convert their rice fields at the household level, and (2) multiple linear regression with the Ordinary Least Squares (OLS) method to analyze the determinants of land conversion rates at the regional level. The results show that, at the household level, land conversion is influenced by land sale value, rice productivity, land tax, the proportion of income derived from rice farming, damaged irrigation infrastructure, and proximity to main roads. At the regional level, the conversion rate is significantly affected by the growth of non-agricultural Gross Regional Domestic Product (GRDP), rice production, population size, the number of hotels and accommodations, and the Farmers’ Terms of Trade (FTT). Spatial planning regulations (RTRW) were found to have no significant effect. These findings highlight the need for more adaptive and context-specific policy approaches to effectively control rice field conversion in Bali.
Land Conversion, Paddy Field, Regional, Household
Copyright (c) 2025 Nawang Putri https://creativecommons.org/licenses/by-nc/4.0
Pengaruh Kenaikan Pajak Pertambahan Nilai 2025 terhadap Pasar dan Kondisi Sosial Ekonomi Nasional
Value Added Tax (VAT) has become the primary instrument for increasing state revenue in Indonesia. The policy of increasing the VAT rate from 11% to 12%, as stipulated in the Tax Regulation Harmonization Law, aims to strengthen state revenue, reduce dependence on foreign debt, and align the rate with international standards. However, this VAT rate increase policy raises concerns among the public about its potential impact on market share and socio-economic conditions, inflation, and economic stability, which ultimately affects national income both directly and indirectly. This research aims to analyze the impact of the tax increase on the market and the socio-economic conditions of the nation. The approach used is a literature review method, by examining related literature on VAT in 2025 and relevant economic factors. The analysis shows that an increase in VAT rates can boost state revenue, but may also reduce market share and socio-economic conditions that could trigger inflation, especially in an unstable global situation. In the context of Islamic economics, the application of the principle of ihtisab becomes important to ensure that this policy is implemented fairly and does not harm Indonesian society.
Copyright (c) 2025 Husnama Patih, Dina Anisya Rufaedah https://creativecommons.org/licenses/by-nc/4.0
Model Pemberdayaan Ekonomi Pesantren Berbasis Wakaf Produktif: Studi Kasus pada Pondok Pesantren Al Ihsan Al Murtadlo Bululawang
Pesantren (Islamic boarding schools) play a strategic role as educational institutions in shaping character and empowering communities. However, many pesantren face significant challenges in terms of operational funding and institutional development. This study aims to: (1) analyze the utilization of productive waqf potential to promote economic self-reliance at Al Ihsan Al Murtadlo Islamic Boarding School in Bululawang, Malang; and (2) examine the management of productive waqf in supporting educational activities at the same institution. This research employs a descriptive qualitative approach using a case study method. Data were collected through in-depth interviews with the pesantren leader, waqf managers (Kyai H. Ahmad Suryanto, Ustadz Bambang Haryanto, and Ustadz Ahmad Fatoni), and community leaders, supplemented by observation and documentation. Data were analyzed through the stages of data reduction, data presentation, and conclusion drawing using triangulation techniques. The findings reveal that Pondok Pesantren Al Ihsan Al Murtadlo has productively utilized waqf assets, including approximately 5,630 m² of agricultural land (3,060 m² for rice and sugarcane cultivation) and an operational cooperative. The annual budget allocation for productive waqf management reaches Rp103,000,000, with monthly operational costs of approximately Rp2,833,000. The income generated from these waqf activities is used to support operational needs, development of educational facilities, assistance for underprivileged students, and training for students.
Productive Waqf, Economic Independence, Islamic Boarding School
Copyright (c) 2025 Fatkhul Wahab, Fauziyah Fauziyah, Moh. Ihsan https://creativecommons.org/licenses/by-nc/4.0
Green Ekonomi Sebagai Dasar dalam Pengambilan Keputusan Pengendalian Persediaan Bahan Baku Industri Kreatif Perspektif Ekonomi Islam
The green economy is a concept that supports human welfare and cares about both the sustainability of the environment and the ecosystems in economic development. To grow economic welfare, society produces written and hand-woven Batik Gedog in the creative industry. The production process requires the main raw materials that are from natural products, so effort is needed to keep the survival of plants from becoming extinct and return to green. This research is qualitative and uses a descriptive analysis approach. The purpose of this research is to analyze the green economy as the basis for making decisions in the control of the raw materials inventory in the creative industry of written and hand-woven Batik Gedog Sekar Ayu Wilujeng Kedungharjo, Kerek Tuban. The data was obtained through interviews and documentation. The results of the research show that the creative industry of written and hand-woven Batik Gedog Sekar Ayu Wilujeng implements a green economy through conservation and replanting Brown Silk-cotton Tree, natural dyes of Indigo, Soga, and Tunjung wood prevent extinction. It’s consistent with Islamic teachings and the Islamic economic goal, with sustainability, production can be maintained, and the economic welfare of creative industrial actors can be achieved.
Green Economy, Decision Making, Raw Materials Inventory, Creative Industry, Islamic Economics
Kontribusi Dana Zakat, Infak, dan Sedekah terhadap SDGS di Bidang Pangan, Pendidikan, dan Sanitasi: Studi di Pondok Pesantren Al-Maun Bina Akhlaq Mulia Yogyakarta Kreatif Perspektif Ekonomi Islam
This research aims to analyze the management mechanism of zakat, infaq, and alms (ZIS) and its contribution to food security, education, and sanitation at the Al-Maun Bina Akhlaq Mulia Islamic Boarding School. Apart from that, this research also evaluates the socio-economic impact of ZIS management for students and the surrounding community, and examines the potential for replicating this model in other Islamic educational institutions. The method used is a qualitative approach with data collection techniques through interviews, observation, and documentation. The research results show that the ZIS management mechanism in Islamic boarding schools is carried out transparently and participatively by involving various parties, such as partner institutions and the community. ZIS funds play an important role in ensuring the food needs of students, supporting access and quality of education, and improving the sanitation quality of the Islamic boarding school environment. The socio-economic impacts generated include increasing the welfare of students, empowering the community, and strengthening the value of social solidarity. This ZIS management model is considered to have the potential to be replicated by other Islamic educational institutions, provided there is professional management, collaborative support, and innovation in resource management. This research provides a practical contribution to optimizing ZIS funds in strengthening the Islamic boarding school-based education system
ZIS, Food Security, Education, and Sanitation.
Copyright (c) 2025 Zainal Muttaqin, Cinthiya Zakiah Arifah https://creativecommons.org/licenses/by-nc/4.0
Pendekatan Jawabir dan Zawajir: Teori Behavioral Prevention terhadap Perspektif Ibrahim Hosen dalam Praktik Pencegahan Riba
The Jawabir and Zawajir approach in the context of Islamic criminal law offers two different perspectives on law enforcement and crime prevention. Jawabir, which means coercion, focuses on the application of punishment as outlined in the textual provisions of the Qur'an and Hadith, aimed at atoning for the sins of criminals. On the other hand, Zawajir, which means prevention, emphasizes the importance of preventing crimes before they occur to create a deterrent effect for the wider community. Ibrahim Hosen, a prominent figure in ushul fiqh in Indonesia, proposed a reinterpretation of these two approaches. He emphasized that the application of law should be more flexible and responsive to the times and the needs of society. Hosen argues that the Zawajir approach is more relevant in the modern context, as it functions not only as punishment but also as a means of rehabilitation and prevention. Through the application of behavioral prevention theory, Hosen emphasizes that punishment should not only be retributive but also preventive, aiming to reduce the likelihood of future crime recurrence. As such, this approach seeks to strike a balance between justice and the public good. This study uses a qualitative library research method with content analysis, comparing classical Islamic legal texts and modern criminological theories. The findings indicate that Zawajir aligns closely with behavioral prevention, offering a preventive and reformative model compatible with maqasid al-sharia. This research contributes by bridging Islamic legal traditions and modern behavioral approaches to strengthen preventive strategies against riba.
Jawabir dan Zawajir, Behavioral Prevention, Qisas, Riba
Efektivitas Dana Zakat melalui Program Kampung Zakat di Desa Sulung Kabupaten Sambas Kalimantan Barat
This research aims to describe the effectiveness of the zakat village program in Sulung Village and analyze the impact of the zakat village program on improving the welfare of the people of Sulung Village. The research method used in this research is qualitative with a descriptive approach. Data collection was obtained from observations, interviews, and documentation. The informants in this research consisted of BAZNAS, the Head of Sulung Village, the village zakat program assistant, the beneficiary community, and the general public. Based on the research that has been carried out, the results obtained show that the effectiveness of the village zakat program is proven by several indicators, namely, first, program understanding, where the community understands and carries out the program well. Secondly, timeliness and targeting, the program carried out is right on target for the mustahiq who needs it, so that it has a real impact that is felt. Third, the goal has been achieved, where BAZNAS' goal of improving the welfare of the Sulung Village Community has been achieved, and there are even several mustahiq who have transformed into muzakki. The impacts of the zakat village program include the economic impact by increasing community income and creating economic stability, the social impact where the sense of tolerance and cooperation increases among the community, and the educational and health impact, which can facilitate access to health and education.
Copyright (c) 2025 Rani Pratiwi Hairunisah, Luqman Luqman, Rahmah Yulisa Kalbarini https://creativecommons.org/licenses/by-nc/4.0
Peran Investasi Emas dan Aksesibilitas Pembiayaan dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat Indonesia
The consumer behavior of Indonesian people in spending money to meet their daily needs has become a common phenomenon, especially in the current digital era. Although online shopping through e-commerce provides convenience, many individuals become trapped in a cycle of waste by purchasing items they don't need. This research aims to explore the role of gold investment as a more productive alternative in improving the economic welfare of society. In the Sharia context, gold investment is not only considered a safe instrument but also a way to protect the value of wealth from inflation. Qualitative research methods were used to analyze gold investment practices in Indonesia, with a focus on accessibility and the potential profits offered. The research results show that gold investment can be a solution to overcome consumer behavior and improve people's financial welfare. By investing in gold, people can not only store wealth but also have assets that are easy to liquidate when needed. This research recommends that people be wiser in managing their finances by diverting consumer spending into more useful investments, such as gold, to achieve long-term prosperity.
Gold Investment, Financing Accessibility, Economic Prosperity
Copyright (c) 2025 Umi Rossy Mardhiyah https://creativecommons.org/licenses/by-nc/4.0
Islamic Social Finance in Indonesia: Literature Review
The development of the Islamic financial sector has grown rapidly. This can be seen from the development of Islamic finance research, which continues to grow every year. As highlighted in previous research, there are still gaps in our knowledge of what and how Islamic finance will evolve, especially in Islamic social finance. This research analyzes the evolution of the literature from 2013 to 2025 to find out how to fill the knowledge gap in the field of Islamic social finance. This research uses two methods, namely bibliometrics and Systematic Literature Review (SLR). The data used in the analysis is secondary data taken from the Scopus web. The results of bibliometric analysis show that the last 13 years of Islamic social finance research have increased by 80%, with the main focus on Islamic banks, zakat, and waqf. Next, a content analysis of the findings of the four main research streams we conducted. Finally, we present four research questions that can be explored in the future. The findings have a number of implications for the state of the Islamic social finance literature, including study gaps and potential future research initiatives.
Islamic Social Finance, Bibliometric, Content Analysis
Copyright (c) 2025 Dina Anisya Rufaedah, Husnama Patih https://creativecommons.org/licenses/by-nc/4.0
Peran Zakat Mal dalam Meningkatkan Perekonomian Masyarakat dan Mengentaskan Kemiskinan
Zakat is a series of pillars of Islam that are mandatory for every Muslim. Zakat is a very urgent medium of worship, not just an obligation for Muslims and Muslim women, but the definition of the word urgent in worship itself has a very universal description. Through good zakat management, it is hoped that it can help meet the basic needs of the poor and encourage them to be economically independent. The research method used is descriptive qualitative, with data collection from various primary and secondary sources. The research results show that zakat has great potential in improving the community's economy, reducing poverty rates, and creating jobs. However, there are still obstacles in implementing zakat, such as lack of information and public awareness. Therefore, collaborative efforts are needed between the government, zakat institutions and the community to maximize the potential of zakat in achieving better social welfare.
Copyright (c) 2024 Umi Rossy Mardhiyah https://creativecommons.org/licenses/by-nc/4.0
Kinerja NU Care-Lazis NU Desa Sugihan dalam Mengelola dan Mendistribusikan Infak dan Sedekah: Studi Dampak terhadap Kesejahteraan Masyarakat di Desa Sugihan, Kecamatan Jatirogo, Kabupaten Tuban
This research aims to discuss the performance of NU CARE-LAZIS NU Sugihan Village in managing and distributing infaq and alms: a study of the impact on community welfare in Sugihan Village, Jatirogo District, Tuban Regency. This research uses a qualitative approach, which aims to understand in depth the process of managing and distributing infaq and alms by NU CARE-LAZIS NU Sugihan Village. Data collection techniques include interviews, observation, and documentation. The research results show that (1) NU Care-LAZIS NU is a village-level philanthropic institution in Sugihan Village, which has been established since 2019, (2) the performance of the NU Care-LAZIS NU management in Sugihan Village, has succeeded in managing and distributing donations as well as alms per the planned work program, (3) the program run by NU Care-LAZIS NU Sugihan Village has provided various positive impacts aimed at improving community welfare. The program includes conditional assistance, monthly programs, and annual programs, (4) NU Care-LAZIS NU Sugihan Village provides real benefits for the community and helps improve welfare, but there are still challenges in its realization, such as manual administration, negative perceptions of some residents, limitations delivery personnel, protests regarding the type of aid, and high public expectations. Even though there are differences of opinion within the management, this can be resolved with mutual respect.
Copyright (c) 2024 Zainal Muttaqin, Cinthiya Zakiah Arifah https://creativecommons.org/licenses/by-nc/4.0
Analisis Hukum Fikih Muamalah Kontemporer terhadap Penggunaan Aset Kripto dalam Zakat Produktif
Contemporary muamalah jurisprudence continues to evolve in line with the dynamics of the global economy. The emergence of crypto assets as a digital financial instrument presents new challenges in the application of Islamic law, especially in terms of productive zakat. This study analyzes the law of using crypto assets as an object of productive zakat. Through the maqashid Sharia approach and a review of contemporary fiqh literature, this study concludes that the potential use of crypto assets as an object of productive zakat needs to be studied more deeply. Although crypto assets have different characteristics from fiat currencies, the general principles of productive zakat are still relevant to be applied. Several things must be observed: the volatile nature of crypto, regulations that are not yet consistent in various countries, and the potential risks associated with using crypto assets. This research hopes that it can participate in developing Islamic law that is adaptive to the times and provide guidance for Muslims in managing crypto assets in a Sharia manner.
Fikih Muamalah, Crypto Assets, Productive Zakat, Maqashid Syariah
Copyright (c) 2024 Husnama Patih https://creativecommons.org/licenses/by-nc/4.0
Strategi dan Nilai-Nilai Ekonomi Islam dalam Promosi Foodies di Kota Palangka Raya
The digital era has transformed many aspects, including the shift in promotional methods from print media to digital platforms. One of the social media platforms that has been widely utilized is Instagram. Over time, Instagram has also become a venue for promotion. Various types of businesses are promoted through Instagram, one of which is the promotion via foodies accounts that have attracted the interest of various culinary entrepreneurs. This research aims to understand the promotional strategies of foodies in Palangka Raya from the perspective of Islamic economics. This study is a field research employing a descriptive qualitative approach. The subjects of this research are the owners of foodies accounts @kulinerpalangka, @abang.lapar, and @ngunyah.pky in Palangka Raya, as well as three informants who use foodies services. The research results indicate that social media marketing activities for foodies maximize the 4 Cs in using social media for promotion, namely context, communication, collaboration, and connection. The Islamic economic perspective on foodies' activities emphasizes cooperation between business actors and foodies. Users of food services must meet the halal review criteria. The verse discussing the halal nature of a product is QS Al-Baqarah verse 29. Additionally, the concept of foodies includes an element of excessive eating, which contradicts Islamic teachings as stated in QS Al-A'raf verse 31
Digital Era, Islamic Economics, Strategies of Foodies
Copyright (c) 2024 Rahmad Kurniawan, Moh Ihsan, Fitri https://creativecommons.org/licenses/by-nc/4.0
Governance Zakat Produktif: Membangun Lembaga yang Transparan dan Akuntabel
Productive zakat is a Sharia economic instrument that has great potential to empower the people's economy. However, successful implementation is highly dependent on governance (governance) the good one. This research aims to examine the importance of building a transparent and accountable zakat management institution in supporting the success of productive zakat. Through a literature review and case analysis, this research concludes that transparency and accountability are the main keys in building public trust in institutions. Transparency includes disclosure of information regarding the management of zakat funds, distribution mechanisms, and the results achieved. Meanwhile, accountability means that the institution is accountable to all stakeholders, including muzakki, mustahik, and the government. This research also identifies several factors that can support the realization of a transparent and accountable zakat management institution, such as the existence of a good financial management system, independent monitoring mechanisms, and active community participation in the decision-making process.
Accountability, Governance, Transparency, Productive Zakat
Copyright (c) 2024 Dina Anisya Rufaedah, Husnama Patih https://creativecommons.org/licenses/by-nc/4.0
Implikasi Motivasi dan Kompensasi dalam Membangun Kemandirian melalui Kegiatan Entrepreneur pada Lembaga Sosial Yatim dan Duafa
The spirit of independence and not begging is something that needs to be instilled in orphans and the poor. This research uses a qualitative case study method. This research aims to describe the implications of motivation and compensation in building independence through entrepreneurial activities that occur within the Al Madina Surabaya Foundation. This research is qualitative, case studies, and policy studies using field research methods. The data used in this research is primary data and secondary data. Data collection techniques using observation, interviews, and documentation. The validation technique used in this research is triangulation of primary data and secondary data. The research results show that providing motivation and compensation to orphans and the poor at the Al Madina Foundation can build their independence. Orphans and poor people carry out entrepreneurial activities in the form of buying and selling snacks. Buying and selling are done during school holidays and are sometimes brought to school and left in the canteen, so as not to disturb them in the education process. The proceeds from sales are given to orphans and the needy and capital comes from the foundation. Data collection in this research was by direct interviews, reading, and coming from online books, journals, scientific articles, and literature reviews containing the implications of motivation and compensation in building independence through entrepreneurial activities.
Implications of motivation and compensation, building independence, orphans and duafa
Copyright (c) 2024 Ika Nazilatur Rosida https://creativecommons.org/licenses/by-nc/4.0
Analisis Pengaruh Pengetahuan Investasi, Modal Minimal, dan Persepsi Risiko terhadap Minat Berinvestasi di Pasar Modal di Desa Bulu Kecamatan Bancar
This research aims to analyze the influence of investment knowledge, minimum investment capital, and risk perception on interest in investing in the capital market among the people of Bulu Village, Bancar District. Using the multiple linear regression method, this research found that these three variables did not have a significant effect on investment interest. These results show the need for a more holistic approach to increasing investment interest among the public, including more comprehensive counseling and education. It is hoped that this research can contribute to the development of more effective and relevant investment policies, as well as increase public awareness about the importance of investing. By increasing knowledge and understanding about investment, the people of Bulu Village are expected to be able to take advantage of existing investment opportunities to improve their standard of living and welfare. Apart from that, it is also hoped that the results of this research will become a reference for related parties in designing more effective education and outreach programs so that they can encourage community participation in the capital market and contribute to local economic growth.
Investment, Minimum Capital, Risk Perception, Capital Marke
Copyright (c) 2024 Inarotul A’yun https://creativecommons.org/licenses/by-nc/4.0
Peningkatan Kesejahteraan Masyarakat di Desa-Desa Kecamatan Jatirogo, Kabupaten Tuban melalui Program Kotak Infaq Nahdlatul Ulama (Koin NU)
This research aims to determine the improvement in community welfare in the villages of Jatirogo District, Tuban Regency through the Nahdlatul Ulama Infaq Box (NU Coin) program. This research uses qualitative methods, which are used to describe conditions and also in the field in accordance with theory, using interviews, observation, and documentation. The results of this research show that the NU coin program was basically founded purely because of awareness of financial donations from the community in Jatirogo District. Collecting funds for NU Coins is usually done by distributing boxes of NU Coins to each branch in the Jatirogo District. The funds obtained are then collected and recorded directly by the chairman or secretary of UPZIS – LAZISNU Jatirogo. Later, these funds will be managed and used for NU activities, such as improving the welfare of the community in villages in Jatirogo District, starting to be used for social funds, then education, and finally for death assistance. As for obtaining funds, each branch usually receives around IDR 200,000 to IDR 1,500,000 per month. The funds collected are usually divided into 3 parts, namely 5% goes to the district, 20% goes to the sub-district, and 75% goes to the branches.
Implementasi Total Quality Management (TQM) dalam Pengelolaan Zakat di Lazisnu Plumpang Tuban
This research talks about the implementation of total quality management in zakat management at LAZISNU Plumpang. Total quality management is an approach to running a business that tries to maximize organizational competitiveness through continuous improvement of products, services, people, processes and the environment. Therefore, the author formulates the problem 1) what is the process of implementing Total Quality Management in zakat management at LAZISNU Plumpang? 2) What efforts has LAZISNU Plumpang made to improve TQM for zakat management? 3) what are the obstacles of Total Quality Management in managing zakat. This research uses a qualitative descriptive approach by collecting data that is collected laterinterpreted with words. This research uses observation methods, structured interviews and documentation. After obtaining the data, the author can conclude that TQM is a strategy to maximize competitiveness that is oriented towards customer satisfaction with the goods and services offered by the organization. By maximizing employee performance in order to achieve organizational improvement and progress.
Implementation, Total Quality Management, management zakat.
Copyright (c) 2024 Muhammad Rozikin, Irma Rosyidah https://creativecommons.org/licenses/by-nc/4.0
Analisis Sikap Konsumen (Mahasiswa) dalam Pembelian Produk Fashion melalui Belanja Online
This research is concerned with consumer attitudes towards online shopping and factors that influence consumers to shop online. The aim of this research is to identify and analyze the factors that influence consumers to shop online. The research method used uses a qualitative approach with a single case type case study method. The population was students from Al-Hikmah Singgahan University - Tuban, while the sample size was 20 people taken using a convenience sampling technique. From the research results, it is known that website design factors are the factors that most influence consumers' attitudes towards online shopping, followed by convenience which is the second factor that most influences online shopping attitudes, then energy saving factors and security factors.
Copyright (c) 2024 Mun’im Mun’im, Ummi Kulsum https://creativecommons.org/licenses/by-nc/4.0
Implementasi Hukum Kartu Kredit dalam Keuangan Syariah (Ditinjau dari Syariat Islam)
This research aims to conduct an analysis of the implementation of contracts that can be used as a legal basis for credit card products in Sharia financial institutions. In Sharia banking, the definition of credit cards is regulated by DSN-MUI Fatwa No.42/DSN-MUI/V/2004 concerning Syariah Charge Card, and No. 54/DSN-MUI/X/2006is a tool that functions like a credit card is generally based on an existing system that has several parties concerned and is based on Sharia provisions. The use of descriptive qualitative research methods in the Systematic Literature Review. Data collection through references to scientific literature, books, and previous research. The research results show that there are many parties involved in the implementation of credit card transactions and have various differences of opinion regarding the use of credit cards the determination of the credit card contract is still debated among clerics. Determination of the contract is something that is said to be important because it is related to the law of whether a transaction is haram or halal and several contracts can be combined so that you can find the appropriate contract to use in transactions. There are six possible contracts implemented in sharia financial institutions, namely kafalah, hawalah, wakalah, qardh, ijarah, and murabahah.
Sharia credit cards, contracts, Sharia financial institutions
Copyright (c) 2024 Relita Rofiqoh, Husnama Patih, Devi Firnanda https://creativecommons.org/licenses/by-nc/4.0
Kontribusi Wanita dalam Keberlangsungan Agribisnis Perspektif Ekonomi Syariah
This research aims to analyze women's contribution to agribusiness sustainability from a Sharia economic perspective. Human resources are an important asset in the sustainability of agribusiness. The sustainability of agribusiness is one of the efforts to fulfill the needs of the people. This research is descriptive qualitative research with a library research approach. Data collection in this research was by library, reading, and taking notes. The data collected in this research came from online books, journals, scientific articles, and literature reviews containing the Contribution of Women in the Sustainability of Agribusiness from a Sharia Economic Perspective. The research results show that there has been an increase in the number of female workers in the formal and informal sectors. This also shows that women contribute to the sustainability of agribusiness in an effort to improve the welfare of the people and achieve a balanced economy in accordance with sharia economic principles. The principles of Sharia economics include several principles of monotheism, justice, benefit, mutual help, and balance.
Women's Contribution, Agribusiness Sustainability, and Sharia Economics
Analisis Penetapan Harga Jual dalam Etika Bisnis Islam di Konveksi Dinar Collection Desa Kedung Kebo Kecamatan Senori Kabupaten Tuban
This research aims to find out how the selling price is determined at the dinar collection convection in Kedung Kebo village, Senori sub-district, Tuban regency. This research is field research using qualitative research with data sources coming from interviews, observation, and documentation. The analysis used in this research is the Miles and Huberman analysis model, including data reduction, data presentation, as well as conclusions and verification. Meanwhile, in checking the validity of the data, researchers used the triangulation method. The pricing applied in convection follows 4 principles: the principle of Oneness, the principle of Balance, the principle of Responsibility, and the principle of goodness. The pricing applied in the dinar collection convection is by taking profits that are not excessive and paying attention to the rights of consumers. The profit taken from all production processes is 10 percent. Of course, by taking profits, managers and consumers feel that they are both benefiting.
Determining selling prices, Islamic Business Ethics, Dinar Collection Convection
Copyright (c) 2023 Authors https://creativecommons.org/licenses/by-nc/4.0
Analisis Maqashid Syariah Sebagai Konsep Dasar dalam Penetapan Fatwa MUI No: 21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Jiwa Syariah
This study aims to analyze the maqashid sharia as a basic concept in fatwa No: 21/DSN-MUI/X/2001 about the general guidelines for sharia life insurance. The regulation on the general guidelines of the Sharia life insurance company in Indonesia is regulated at fatwa No: 21/DSN-MUI/X/2001. The creation of a law or a fatwa has a purpose or a maqahid sharia in its stipulation. This study is literature research. the data collected by the library, reading, and taking notes. The compilation of data on this study is from online books, journals, scientific articles, and the literature review that contains the concepts of maqahid sharia, DSN MUI, and sharia insurance. The results of the study show that there are aims and objectives in determining the law or fatwa which refers to five things that are maintained, namely: guaranteeing the preservation of religion, guaranteeing the preservation of the soul, guaranteeing the preservation of reason, ensuring the preservation of offspring, guaranteeing the maintenance of property as a guide in fatwa No: 21/DSN-MUI/X/2001 regarding general guidelines for sharia life insurance.
Maqashid Sharia, Fatwa No: 21/ DSN-MUI/X /2001, Sharia Life Insurance
Copyright (c) 2023 Ika Nazilatur Rosida https://creativecommons.org/licenses/by-nc/4.0
Strategi Pemasaran Pondok Pesantren Miftahul Hikmah Parengan Tuban dalam Pengelolaan DCR (Drink Corner and Resto) di Jatirogo Tuban
This research aims to find out the marketing strategy of the Miftahul Hikmah Parengan Tuban Islamic Boarding School in managing DCR (Drink Corner and Resto) in Jatirogo Tuban. This research uses qualitative research with data sources coming from interviews, observation, and documentation. The analysis used in this research is the Miles and Huberman analysis model, including data reduction, data presentation, as well as conclusions and verification. Meanwhile, in checking the validity of the data, researchers used the triangulation method. The marketing strategy of the Miftahul Hikmah Islamic Boarding School, Parengan District, Tuban Regency in Managing DCR (Drink Corner and Resto) in Jatirogo District, Tuban Regency, consists of two aspects, namely the use of a marketing mix, namely product, price, place and promotion. Promotions at DCR (Drink Corner and Resto) are carried out by means of online and offline promotions. The manager carries out an indirect (online) promotional strategy, namely through social media such as Instagram, Facebook and WhatsApp stories by uploading all the menus at DCR (Drink Corner and Resto) as well as new menu promos. The direct marketing strategy is to introduce and promote DCR (Drink Corner and Resto) products directly to customers. This is done by providing promos every Sunday. Apart from promotions, direct marketing is also carried out by introducing additions to the menu at DCR (Drink Corner and Resto). The current menu additions are seblak abah and kebab, as a form of product development for DCR (Drink Corner and Resto) from the previous and current owners.
Mekanisme Operasional Kaleng NU di Lembaga Amil Zakat Infaq Shodaqoh Nahdlatul Ulama’ (LAZISNU)
This article was written to review the operational Mechanism of Kaleng Nu at the Amil Zakat Infaq Shodaqoh Nahdlatul Ulama Institution (Lazisnu). The type of research used in this research is a literature review. The purpose of writing this article is to explain the Operational Mechanism of Kaleng Nu at the Amil Zakat Infaq Shodaqoh Nahdlatul Ulama' (Lazisnu) Institution so that it is beneficial for the people and the poor. The research method used in writing this article is qualitative descriptive, by presenting theoretical studies and existing sources and presented in the form of a description. NU D Can Operational Mechanismith The way to pick up the ball is to go directly to the house muzakki. Collection of zakat, infaq, and alms is carried out once a month by collecting at the donor's house by providing a muzakki savings book as proof of monthly donor payments.
Kebijakan Ekonomi pada Masa Dinasti Bani Umayyah
Since Rasulullah SAW died in 632 H, the Islamic government was made by Khulafaur Rasyidin, which was started by Abu Bakar and continued by Umar, Ustman to Ali bin Abi Talib. The appointment of the caliph over Khulafaur Rosyidin was a careless request based on deliberation to reach a consensus. Until finally after the death of Ali bin Abi Talib, the stick of the caliphate was taken over by Muawiyah bin Abu Sofyan from the Umayyads who became a turning point for the change in the government system from initial deliberation into an absolute monarchy. Muawiyah bin Abu Sofyan was a reliable politician, with his absolute monarchy system who was able to run the Umayyad government for 90 years from 41 H. / 661 AD to 132 H. / 750 AD. Because Muawiyah became caliph not from a deliberative system which was carried out during the Caliphate of Khulafaur Rosyidin period, this caused the division of the Muslims into several groups. However, we cannot deny all the progress that the Umayyad Caliphate made during its establishment in terms of politics, education, economy, and culture.
Khalifah, Bani Umayyah, Economic Policy, Economic Institutions, Islamic Economics
Copyright (c) 2023 Husnama Patih https://creativecommons.org/licenses/by-nc/4.0