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All Journal Sharing: Journal Of Islamic Economics, Management And Business Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of Economic, Management, Business, Accounting Sustainability Journal Of Community Sustainability LAN TABUR: JURNAL EKONOMI SYARIAH
Rahmawati Rahmawati
Universitas Pahlawan Tuanku Tambusai
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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URGENSI ZISWAF DALAM PENGEMBANGAN PEREKONOMIAN DI INDONESIA Nur Amelia; Rahmawati Rahmawati; Lismawati Lismawati; Rifqil Khairi; Zubaidah Assyifa
Sharing: Journal of Islamic Economics Management and Business Vol. 2 No. 2 (2023): Desember 2023
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v2i2.23408

Abstract

This article discusses the role of Zakat, Infaq and Alms (Ziswaf) in microeconomic development in This article discusses the role of Zakat, Infaq and Alms (Ziswaf) in microeconomic development in Indonesia. The author explains Ziswaf's urgency in empowering small communities, especially those in the lower economic strata. Funds collected from zakat, infaq and alms can be allocated to support micro and small businesses, provide business capital, and provide training and mentoring to improve the skills and capacity of micro communities. The research method applied is the literature research method or literature review, which is focused on the analysis and synthesis of written works that are relevant to the research topic. The research results show that increasing ZISWAF fund collection has a positive impact on social religious life, poverty alleviation, equitable development, human development, and economic growth. If managed optimally, the existence of ZISWAF will provide a significant boost to economic growth. Therefore, it is emphasized that the government needs to provide greater support to exploit the potential of the ZISWAF instrument in Indonesia.
Maqashid Syariah Sebagai Landasan Pengembangan Produk Perbankan Syariah Mifta Hasda; Mohd Winario; Rahmawati Rahmawati
Sharing: Journal of Islamic Economics Management and Business Vol. 5 No. 2 (2026): Juni, 2026
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v5i2.59480

Abstract

The  development of the Islamic banking industry in Indonesia is currently dominated by a formal sharia compliance approach on the legality of contracts, but has not been fully and systematically integrated with the substantive values of maqashid sharia. This study aims to identify the types and characteristics of Islamic banking products, examine the principles of maqashid sharia as a foundation for product development, and analyze the implementation of maqashid sharia within the operational schemes of Islamic banking products. Utilizing a qualitative approach with a library research method and content analysis technique, data were gathered from various academic literatures, regulations, and authoritative fatwas. The results indicate that Islamic banking products—categorized into funding, financing, and financial services—have implemented the five core pillars of preservation (al-kulliyat al-khamsah). This actualization is reflected in: (1) hifdz al-din through the elimination of riba, gharar, maysir, and the integration of ZISWAF; (2) hifdz al-nafs through the mutualism principle in contracts and sharia insurance risk mitigation; (3) hifdz al-’aql through product information disclosure and financial education; (4) hifdz al-nasl through the provision of future family financial planning products; and (5) hifdz al-mal through optimizing intermediation functions in halal real sectors and accountable risk management. This study concludes that maqashid sharia parameters must be established as primary indicators for product achievement and evaluation to realize sustainable welfare (maslahah) and distributive justice substantively for society.
Implementasi Fiqh Muamalah Dalam Hukum Ekonomi Syariah Pada Transaksi Modern Nala Amalia; Mohd Winario; Rahmawati Rahmawati; Yudi Irwan
Journal of Economic, Management, Business, Accounting Sustainability Vol. 3 No. 2 (2026): Mei 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v3i2.500

Abstract

This study aims to analyze the implementation of Islamic jurisprudence (fiqh muamalah) within Islamic economic law in modern transactions and to examine the relevance of Islamic principles to the development of the contemporary economic system. Technological developments and the digitalization of the economy have given rise to various forms of modern transactions, such as e-commerce, fintech, digital wallets, and online investments, which require Islamic legal studies to ensure their compliance with Islamic principles. This study employed a qualitative research method with a library research approach. Data were obtained from the Quran, hadith, books, scientific journals, fatwas from the National Council of Islamic Scholars (DSN-MUI), and various other literature related to Islamic jurisprudence (fiqh muamalah) and Islamic economic law. Data analysis was conducted using a descriptive-analytical technique, examining the concepts, principles, and implementation of Islamic jurisprudence (fiqh muamalah) in modern transactions. The results show that Islamic jurisprudence (fiqh muamalah) has the flexibility to address modern economic developments as long as the transactions do not contain elements of usury (riba), gharar (gharar), maysir (gambling), and harmful practices. The implementation of Islamic principles in modern transactions can create a more just, transparent, and socially beneficial economic system.
Penguatan Literasi Keuangan Syariah Bagi Santri Di Pondok Pesantren Madrasah Tarbiyah Islamiyah (PPMTI) Kabupaten Kampar Muhammad Zakir; Rahmawati Rahmawati; Mohd Winario; Rifqil Khairi; Hairullah Efendi; Nur Amelia
Journal of Community Sustainability Vol. 3 No. 2 (2026): Juni 2026
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v3i2.521

Abstract

This community service activity was conducted at the Air Tiris Islamic Boarding School (PPMTI) in Kampar Regency, targeting students currently studying. The activity, themed "Strengthening Sharia Financial Literacy for Students at PPMTI in Kampar Regency," aimed to increase students' knowledge of sharia financial concepts in accordance with Islamic principles. The results of the activity showed an increase in students' understanding of sharia-compliant economic transactions after participating in the counseling. Prior to the activity, most participants had a limited understanding of the difference between sharia-compliant transactions and those containing riba (usury). Through the presentation of material, interactive discussions, and case studies relevant to everyday life, students gained a better understanding of the principles of justice, honesty, and welfare in economic activities. The counseling also succeeded in raising students' awareness to avoid riba practices and to be more selective in choosing sharia-compliant transactions. The enthusiasm of the participants throughout the activity demonstrated that the counseling was effective in improving sharia-compliant financial literacy within the Islamic boarding school environment.
Edukasi Digital Marketing Sebagai Upaya Meningkatkan Jiwa Entrepreneurship Pada Komunitas Genpreneur Muda Di Kampung Tengah Rahmawati Rahmawati; Zubaidah Assyifa; Mifta Hasda; Rio Panji Saputra; Hairullah Efendi
Journal of Community Sustainability Vol. 3 No. 2 (2026): Juni 2026
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v3i2.525

Abstract

This community service activity is aimed at the Young GenPreneur community as an effort to foster an entrepreneurial spirit through the use of digital marketing. The goal was to determine participants' level of understanding of digital marketing while simultaneously improving their entrepreneurial knowledge and skills. The methods used included counseling, presentations, and interactive discussions. The results of the activity indicate that the program was implemented well and according to plan. Participants experienced an increased understanding of the basic concepts of digital marketing and Islamic business, as well as their ability to utilize social media as a marketing tool. Furthermore, this activity successfully improved participants' practical skills, motivation, and confidence in entrepreneurship. A better understanding of digital marketing strategies also opened up broader market opportunities for participants. This program is expected to foster a sustainable entrepreneurial spirit, encourage business independence, and create a productive and competitive community. Thus, participants can contribute to economic development at the local, national, and international levels.
Fenomenologi Transendental Tentang Transformasi Makna Uang Tunai Pada Konsumen Pusat Perbelanjaan Modern Kota Pekanbaru Di Era Adopsi QRIS Rahmawati Rahmawati
Sharing: Journal of Islamic Economics Management and Business Vol. 5 No. 1 (2026): Maret, 2026
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v5i1.60860

Abstract

The development of digital payment systems through the Quick Response Code Indonesian Standard (QRIS) has driven changes in people's transaction patterns towards a cashless society. However, the use of cash has not been completely abandoned because it still has an inherent subjective meaning in everyday life. This study aims to analyze the transformation of the meaning of cash amidst the increasing adoption of QRIS among consumers of modern shopping centers in Pekanbaru City. The study used a qualitative approach with Edmund Husserl's transcendental phenomenology method to understand the participants' lived experiences and awareness regarding the use of cash and digital payments. Data were obtained through in-depth interviews with 15 participants from Generation Z, Millennials, and Generation X, and supported by participant observation. Data analysis was carried out through stages of phenomenological reduction, meaning grouping, and thematic analysis. The results of the study identified three main themes: cash as a means of budget control, cultural heritage and symbols of locality, and the experience of loss of presence due to the digitalization of transactions. These findings indicate that cash still has important psychological, social, and cultural values. The novelty of the study lies in revealing the subjective experiences of Pekanbaru residents regarding the meaning of cash in the era of QRIS-based digital payment transformation.
Transformasi Model Bisnis Digital dalam Meningkatkan Daya Saing UMKM di Era Ekonomi Digital: Penelitian Rahmawati Rahmawati
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 4 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 4 April - Juni
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i4.6131

Abstract

Transformasi model bisnis digital merupakan salah satu strategi penting dalam mendukung peningkatan daya saing Usaha Mikro, Kecil, dan Menengah (UMKM) di era ekonomi digital. Perkembangan teknologi informasi dan komunikasi yang pesat mendorong pelaku UMKM untuk beradaptasi dengan perubahan lingkungan bisnis yang semakin dinamis dan kompetitif. Transformasi digital tidak hanya mencakup penggunaan teknologi, tetapi juga perubahan dalam model bisnis, proses operasional, serta strategi pemasaran yang lebih inovatif dan berbasis digital. Tulisan ini bertujuan untuk mengkaji secara komprehensif transformasi model bisnis digital dalam meningkatkan daya saing UMKM melalui analisis konsep transformasi digital, pemanfaatan teknologi, peran digital marketing, serta faktor pendukung keberhasilannya. Metode penelitian yang digunakan adalah pendekatan kualitatif melalui studi literatur dengan memanfaatkan sumber-sumber ilmiah yang relevan dan terkini. Hasil kajian menunjukkan bahwa transformasi digital mampu meningkatkan efisiensi operasional, memperluas akses pasar, serta meningkatkan kinerja dan penjualan UMKM. Selain itu, keberhasilan transformasi digital sangat dipengaruhi oleh tingkat literasi digital dan kapabilitas sumber daya manusia. Namun demikian, masih terdapat berbagai tantangan, seperti keterbatasan infrastruktur, rendahnya literasi digital, serta keterbatasan akses terhadap teknologi. Oleh karena itu, diperlukan strategi yang terintegrasi dan berkelanjutan melalui peningkatan kompetensi digital, dukungan kebijakan, serta kolaborasi antar pemangku kepentingan agar UMKM mampu bersaing secara optimal di era ekonomi digital.
Strategi Pengembangan Industri Halal Di Indonesia Hairullah Efendi; Rahmawati Rahmawati; Rio Panji Saputra; Zafia Sarina Yoly
Journal of Economic, Management, Business, Accounting Sustainability Vol. 3 No. 1 (2026): Februari 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v3i1.438

Abstract

The halal industry is a strategic sector with significant potential to support national economic growth, particularly in Indonesia, the country with the largest Muslim population in the world. As public awareness of halal products increases, the development of the halal industry is not only understood as fulfilling religious aspects but also encompasses increasingly significant economic, social, and global dimensions. The halal industry plays a crucial role in creating added value, expanding employment opportunities, and enhancing the competitiveness of national products in the international market. This article aims to comprehensively examine the halal industry development strategy in Indonesia by examining the concept of the halal industry, its current conditions and potential, the role of digitalization in expanding market access, applicable regulations, and various challenges and recommendations for its development. The research method used is a qualitative approach through literature review utilizing relevant and up-to-date scientific sources. The study results indicate that Indonesia has significant potential to become a global halal industry hub, supported by a large domestic market, abundant natural resources, and rapid development of digital technology. However, the development of the halal industry still faces various challenges, such as limited product competitiveness, suboptimal regulatory implementation, and a lack of human resource readiness. Therefore, an integrated and sustainable development strategy is needed so that the Indonesian halal industry can compete at the national and global levels.
Integrative Spiritual-Economic Model in Community Empowerment Based on Micro Waqf Bank at Fajar Pelita Harapan Islamic Boarding School Mohd Winario; Zubaidah Assyifa; Rahmawati Rahmawati; Merry Meilany; Nilam Erman; Henry Martin Adriansyah
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): SEPTEMBER (IN PROGRESS)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.203

Abstract

Introduction: Islamic boarding schools are traditional Islamic educational institutions that have an important role in the educational, social and economic development of society in Indonesia. This study aims to analyze the sharia-based community economic empowerment model through the Fataha Micro Waqf Bank (BWM) at the Fajar Pelita Harapan Islamic Boarding School in Maredan Village, Tualang District. Methods: The study used a qualitative descriptive approach involving 30 informants consisting of Islamic boarding school administrators, BWM Fataha managers, and the surrounding community as financing program customers. Data were obtained through in-depth interviews, observation, and documentation through the stages of data reduction, data presentation, and conclusion drawing. Results: The results show that the implemented empowerment model is integrative by combining Islamic microfinance, spiritual guidance, business mentoring, and group strengthening through the kumpi system. This program is able to increase access to business capital, strengthen community economic independence, improve Islamic financial literacy, and empower women as micro-entrepreneurs. In addition, the Islamic boarding school plays a role as a center for social capital and community moral development. However, the program still faces obstacles such as low entrepreneurial literacy, limited business innovation, and limited mentoring resources. This research shows that Islamic boarding schools have strategic potential as centers for sustainable sharia-based community economic empowerment Conclusion and suggestion: This study shows that the sharia-based community economic empowerment model implemented by the Fataha Micro Waqf Bank (BWM) in the Fajar Pelita Harapan Islamic Boarding School environment uses an integrative approach that combines sharia microfinance, spiritual guidance, business mentoring, and strengthening group solidarity through the kumpi system.
Co-Authors Hairullah Efendi Henry Martin Adriansyah Lismawati Lismawati Merry Meilany Mifta Hasda Mohd. Winario Muhammad Zakir Nala Amalia Nilam Erman Nur Amelia Rifqil Khairi Rio Panji Saputra Yudi Irwan Zafia Sarina Yoly Zubaidah Assyifa