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All Journal Hakam : Jurnal Kajian Hukum Islam dan Hukum Ekonomi Islam Jurnal Ekonomi Syariah Journal of Islamic Economics Studies and Practices (JIESP).
Mansur Mansur
Institut Agama Islam Miftahul Ulum Pamekasan
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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BEYOND MORAL COMPLIANCE: FAITH, TRUST, AND SOCIO-ECONOMIC BONDING IN INDONESIAN ISLAMIC MICROENTERPRISES Mansur Mansur; Siti Nur Mahmudah; Fitria Nur Masithoh; Sahrul Sahrul
JURNAL HAKAM Vol 10, No 2 (2026)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/jhi.v10i2.14999

Abstract

This article examines how faith-based ethical norms generate economic resilience through socio-economic bonding in Indonesian Islamic microenterprises. A qualitative case study was conducted on a traditional food enterprise in Sampang, East Java, operating continuously from 1995 to 2025. Data were collected through semi-structured interviews with eight participants (owner, family members, repeat and occasional customers), non-participant observation, and document analysis. Using reflexive thematic analysis and process tracing, the study identifies three interconnected mechanisms: faith-driven trust formation, ethical reciprocity, and community embeddedness. The findings demonstrate that repeated ethical conduct—pricing transparency, product consistency, and courteous service—accumulates into relational capital that stabilizes customer loyalty and generates word-of-mouth diffusion. This mechanism enhances enterprise resilience against external shocks such as seasonal fluctuations, though the single-case design limits generalizability. The study contributes to Islamic economics by conceptualizing ethical practice as a relational capital formation process, offering a grassroots perspective on microenterprise sustainability in Muslim-majority contexts.
Negotiating Sharia and Sustainability: An Empirical Study of Dynamic Margin Strategies in Indonesian BMTs Mansur Mansur; Moh. Khoirul Umam; Fathiyatun Nikmah; Fitria Nur Masithoh
Journal of Islamic Economics Studies and Practices Vol. 5 No. 1 (2026): Juni
Publisher : Institut Agama Islam YPBWI Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54180/jiesp.2026.5.1.16-36

Abstract

This study analyzes how Indonesian BMTs balance Sharia compliance and financial viability through dynamic margin strategies in Murabaha financing. Using a qualitative case study of BMT Al-Iktisab, Aeng Nyonok Branch, East Java, data were collected via in-depth interviews with the branch manager, financing officers, and selected members, supported by observation and internal document review. Thematic analysis revealed that margin determination is negotiated rather than fixed: a base pricing formula is applied but adjusted through term-shortening discounts and loyalty-based rebates, framed as flexible ribḥ within a transparent cost-plus structure. This adaptability strengthens competitiveness and customer loyalty while maintaining institutional sustainability, illustrating a practical negotiation between commercial pragmatism and religious principles. The study contributes to Islamic microfinance scholarship by providing empirical evidence of how Sharia compliance is operationalized in resource-limited community contexts. It advances the concept of “negotiated sustainability” to explain the hybrid logic guiding BMT practices and their innovation in adapting classical Islamic finance contracts to local socioeconomic realities.
DISTRIBUSI ZAKAT PRODUKTIF DALAM PERSPEKTIF MAQASHID SYARIAH KONTEMPORER: TINJAUAN PUSTAKA TENTANG EFEKTIVITAS PENGENTASAN KEMISKINAN Kamilatus Saidiyah; Mansur Mansur
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 1 (2026): Februari 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i1.5231

Abstract

This study aims to analyze the effectiveness of productive zakat distribution from the perspective of contemporary maqashid al-sharia through a literature review. The study employs a qualitative approach using library research and content analysis. The results show that the distribution of productive zakat contributes to increased income, the strengthening of microenterprises, and greater economic self-reliance among mustahik. However, the program’s effectiveness is significantly influenced by the quality of mentoring, business management capacity, the professionalism of zakat administrators, and a sustainable monitoring and evaluation system. From the perspective of contemporary maqashid al-sharia, productive zakat not only supports the preservation of the five fundamental objectives of sharia (maqashid al-sharia) but also realizes maslahah ‘ammah through improved welfare, social justice, and the transformation of mustahik into self-reliant individuals who may even become muzakki. This study concludes that the distribution of productive zakat will be more optimal if managed professionally through a business-cluster-based empowerment model, and evaluated using maqashid al-sharia-based indicators to ensure the achievement of poverty. Keywords: Productive zakat, Maqashid sharia, Poverty alleviation, Literature review.
Co-Authors Fathiyatun Nikmah Fitria Nur Masithoh Kamilatus Saidiyah Masithoh, Fitria Nur Moh. Khoirul Umam Sahrul Sahrul Siti Nur Mahmudah