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All Journal Al-Musthofa: Journal of Sharia Economics GREENOMIKA Abdimas Awang Long: Jurnal Pengabdian dan Pemberdayaan Masyarakat Golden Ratio of Data in Summary Jurnal Pemberdayaan Masyarakat dan Komunitas AL-UJRAH: Jurnal Ekonomi Islam
Fauzan
Sekolah Tinggi Agama Islam Al Akbar Surabaya
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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OPTIMALISASI PARIWISATA SYARIAH DALAM UPAYA PENINGKATAN EKONOMI LOKAL MASYARAKAT MADURA Supriyadi; Fauzan; Ubaid Aisyul Hana; Azibur Rahman
GREENOMIKA Vol. 3 No. 2 (2021): GREENOMIKA
Publisher : Universitas Nahdlatul Ulama Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (349.987 KB) | DOI: 10.55732/unu.gnk.2021.03.2.2

Abstract

Poverty is a problem faced by every country. Based on data from the Central Statistics Agency, the percentage graph of the poverty rate in East Java in 2020, Madura Island occupies the first position of the poorest district in East Java where there are 4 districts that are included in the 6 list of the poorest districts/cities. Sampang District: 224.72 people, Sumenep: 220.23 people, Bangkalan: 204.00 people, and Pamekasan, 129.41 people, with a poverty percentage of 14%. Madura Island has tourism potential, especially sharia tourism. The people of Madura Island are famous for their religious attitudes, have many Islamic boarding schools, as well as religious tourism objects, making tourism potential with sharia concepts. Sharia tourism is all community activities related to tourism and is based on Islamic sharia principles. The method used in this scientific paper is descriptive qualitative. The results show that through sharia tourism, the community can develop UMKM that can increase income. In addition, the community can also provide an additional profile for Madura Island, which is known for its karapan sapi culture and sharia tourism, so that the tourism sector can compete in the local or global arena. The conclusion of this study is that the potential of Madura Island's natural wealth is managed and developed efficiently, so the sharia tourism sector can improve the standard of living of the economy and improve the welfare of the people of Madura island.
Pengaruh persepsi, kualitas pelayanan, dan literasi keuangan syariah Terhadap Keputusan Nasabah Dalam Menggunakan Bank Syariah Indonesia di Kota Surabaya Timur Marini Indah Isnaini; Fauzan
AL-UJRAH Vol 1 No 1 (2022): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh persepsi, kualitas pelayanan, dan literasi keuangan syariah terhadap keputusan nasabah dalam menggunakan Bank Syariah Indonesia studi kasus Surabaya. Penelitian ini menggunakan metode kuantitatif analisis datanya menggunakan analisis regresi linier berganda. Metode pengolahan data dalam penelitian ini menggunakan aplikasi IBM SPSS 25. Pengumpulan data peneliti menggunakan angket (kuisioner). Teknik sampel yang digunakan dalam penelitian ini yaitu menggunakan probability sampling, dengan menggunakan teknik sampel cluster sampling. Sampel yang digunakan 105 penduduk menggunakan rumus slovin dalam pengambilan sampel. Hasil penelitian ini menunjukkan bahwa: (1) persepsi berpengaruh tidak signifikan terhadap keputusan nasabah dalam menggunakan Bank Syariah Indonesia yang dibuktikan dengan nilai sig 0,637 > 0,1 (2) kualitas pelayanan berpengaruh tidak signifikan terhadap keputusan nasabah dalam menggunakan Bank Syariah Indonesia yang dibuktikan dengan nilai sig 0,689 > 0,1 (3) literasi keuangan syariah berpengaruh tidak signifikan terhadap keputusan nasabah dalam menggunakan Bank Syariah Indonesia yang dibuktikan dengan nilai sig 0,637 > 0,1.
Menjadikan Growth Mindset Solusi Bagi Kesenjangan Prestasi dalam Akademik di Indonesia Raviqa Noer Laily; Fauzan
AL-UJRAH Vol 2 No 1 (2023): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

Dengan keadaan pembelajaran Indonesia saat ini masih terbilang kurang dibandingkan negara lain. Salah satu penyebabnya adalah system pembelajaran yang hanya memfokuskan hasil akhir, padahal yang dibutuhkan masa depan adalah pemikiran yang maju dan berkembang (growth mindset). Dengan metode penelitian kualitatif maka penelitian ini akan menjelaskan solusi untuk Indonesia dalam menghadapi kesenjangan prestasi di akademik. Untuk mengatasi kesenjangan dalam prestasi akademik, seringkali diperlukan pendekatan yang holistik, seperti penerapan konsep growth mindset untuk menciptakan lingkungan pendidikan yang mendukung pertumbuhan akademik dan pribadi yang merata bagi semua siswa. Growth mindset adalah keyakinan bahwa kemampuan seseorang dapat dikembangkan dan bahwa segala sesuatu dapat dicapai melalui belajar. Dengan mempromosikan penerapan ini besar keinginan hasil pada setiap siswa untuk tumbuh, berkembang, dan mencapai kesuksesan akademik, hal ini dapat membantu mengurangi kesenjangan dalam prestasi akademik di Indonesia.
Implementasi Akad Musyarakah dalam Ekosistem Metavers: Analisis Peluang dan Tantangan Pembiayaan Syariah di Era Digital Raviqa Noer Laily; Fauzan Fauzan
AL-UJRAH Vol 3 No 2 (2025): Juni
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

This study analyzes the implementation of musyarakah contracts in the metaverse ecosystem as sharia financing innovations in the digital era. Using descriptive qualitative research methods and Islamic legal analysis, this study explores the opportunities and challenges of applying the principles of sharia partnership in a virtual space. The results of the study show that the metaverse opens up new opportunities for sharia financing through virtual property investments, digital businesses, and blockchain-based economies. However, there are significant challenges related to sharia compliance, regulations, and technical aspects of implementation. This research contributes to the development of digital Islamic finance literature and provides practical recommendations for the Islamic banking industry.
Strategi Penetapan Harga Jual Barang pada UMKM Toko Kelontong dalam Perspektif Ekonomi Syariah (Studi Kasus di Toko Barokah Desa Sembung Kecamatan Wringinanom) Mochamad Ridwan Adi Wijaya; Fauzan Fauzan
AL-UJRAH Vol 3 No 1 (2024): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

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Abstract

This study aims to analyse the strategy of setting the selling price at the Grocery Store in Sembung Hamlet, Wringinanom District, Gresik Regency, and review the suitability of the strategy with the principles of Islamic economics. The method used is qualitative research with a case study approach. Data were collected through direct interviews with shop owners and field observations. The results showed that the shop owner applies a cost-based pricing strategy, where the price of goods is determined by adding a profit margin of around 5-10% of the cost of goods. In addition, the shop owner also uses a competitive pricing strategy, adjusting prices with other shops in the neighbourhood to maintain competitiveness. Discounts and special prices are also applied to regular customers or those who buy in large quantities, in order to increase consumer loyalty. Furthermore, from the review of Islamic economics, the pricing in the store is in accordance with the principles of sharia, namely justice ('adl), transparency, and avoiding elements of gharar (uncertainty) and usury. The strategy implemented also reflects the value of ihsan (doing good), where the store does not only pursue profits but also pays attention to consumer welfare, in accordance with maqashid sharia.
Perlindungan Konsumen dalam Transaksi Jual Beli Emas Berbasis Aplikasi: Perspektif Hukum Ekonomi Syariah Fauzan Fauzan
Al-Musthofa: Journal of Sharia Economics Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v1i9.5244

Abstract

This study aims to analyze consumer protection in digital application-based gold buying and selling transactions from the perspective of sharia economic law. The rapid advancement of financial technology (fintech) has accelerated the adoption of digital gold trading platforms in Indonesia, making gold investment accessible to a broader segment of the population, including millennials and Generation Z. However, this convenience brings with it complex legal and sharia compliance challenges that have not been adequately addressed by existing regulatory frameworks. Issues such as the absence of physical handover (qabdh haqiqi), ambiguity in the legal status of digital gold balances, potential gharar (uncertainty) and riba al-nasi’ah in deferred transactions, and the lack of transparent akad (contract) information pose significant risks to consumers. This research employs a qualitative method with a normative juridical approach, examining primary legal sources including the Quran, hadith, classical fiqh literature, DSN-MUI fatwas, and applicable positive laws, supplemented by empirical data from documentation analysis and literature review of existing studies on digital gold platforms. The findings reveal three critical gaps: (1) al-tsubut (legal certainty) is undermined by unclear ownership status of digital gold balances; (2) ‘adl (justice) is compromised by unilateral contract clauses and opaque fee structures; and (3) shidq (transparency) is lacking due to insufficient akad disclosure and limited consumer financial literacy. This study recommends regulatory harmonization between OJK, Bappebti, and DSN-MUI, mandatory sharia certification for digital gold platforms, and structured consumer education programs as essential steps toward strengthening sharia-compliant consumer protection in Indonesia’s growing digital gold market.
Upaya Peningkatan Legalitas Usaha UMKM Desa Urang Agung Melalui Fasilitasi Penerbitan NIB Muhammad Mufid; Muchammad Farid Fauzi; Fauzan Fauzan
Jurnal Pemberdayaan Masyarakat dan Komunitas Vol 2, No 1: 2025
Publisher : STAI Nurul Islam Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52620/jpmk.v2i1.143

Abstract

Our KKN team applies the PAR method to carry out the Business Identification Number (NIB) creation program in Urang Agung Village. This program aims to help the community's economy by actively involving them in the NIB creation process. The implementation results show an increase in public awareness about the importance of business legality, with six entrepreneurs successfully obtaining NIB. The program also raises awareness of the benefits of NIB and highlights the importance of practical support in the administration process. The success of this program has a significant impact on the credibility of the business world and opens up new opportunities
Implementasi Kajian Kitab Fathul Mu'in Dan Nashoihul 'Ibad Dengan Metode Makna Pegon dalam Meningkatkan Pemahaman Agama di Sidoarjo Nasrullah; Fauzan
Abdimas Awang Long Vol. 9 No. 1 (2026): Januari, Abdimas Awang Long
Publisher : Sekolah Tinggi Ilmu Hukum Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/awal.v9i1.1828

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman keagamaan warga Kelurahan Kalijaten, Kecamatan Taman, Kabupaten Sidoarjo melalui kajian kitab Fathul Mu'in dan Nashoihul 'Ibad dengan menggunakan metode makna pegon. Metode ini dipilih karena mayoritas masyarakat masih mengalami kesulitan dalam membaca kitab kuning berbahasa Arab gundul. Kegiatan dilaksanakan dalam bentuk pengajian rutin, yaitu kajian Fathul Mu'in setiap Selasa malam dan kajian Nashoihul 'Ibad setiap dua pekan sekali pada Ahad pagi. Metode pelaksanaan menggunakan pendekatan bandongan, pemberian makna pegon kata demi kata, penjelasan (syarah), serta diskusi interaktif. Hasil kegiatan menunjukkan bahwa metode makna pegon mempermudah jamaah dalam memahami teks klasik, meningkatkan partisipasi masyarakat dalam pengajian, serta mendorong pengamalan ajaran agama dalam kehidupan sehari-hari. Dengan demikian, kegiatan pengabdian ini berhasil memberikan kontribusi nyata bagi peningkatan literasi keagamaan dan pelestarian tradisi pesantren di tengah masyarakat.
Consumer Protection in Application-Based Gold Trading Transactions: A Sharia Economic Law Perspective F. Fauzan
Golden Ratio of Data in Summary Vol. 6 No. 1 (2026): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v6i1.2048

Abstract

Technological developments and innovation have significantly transformed the economic and commercial landscape. This digital convenience has extended even to tertiary needs, especially the buying and selling of gold. However, behind this convenience, a major debate has emerged within Islamic law regarding cashless gold transactions, particularly those conducted through the Pegadaian Digital application. Therefore, it is essential to thoroughly examine the Islamic legal perspective on online, cashless gold trading while also considering aspects of business ethics, social responsibility, and consumer protection to ensure that these practices comply with Islamic law. This study aims to analyze consumer protection in digital application–based gold trading transactions from the viewpoint of Islamic economic law. As technology continues to progress, online gold transactions have become an increasingly popular alternative investment. Nonetheless, several critical issues arise regarding contract transparency, the physical existence of gold, and the clarity of rights and obligations between sellers and buyers. This research uses a qualitative approach with a case study focusing on a single online gold trading platform in Indonesia. Data were gathered through interviews, document analysis, and a review of Islamic legal literature. The findings suggest that despite the platform offering features that facilitate transactions, there are still shortcomings in consumer protection, especially concerning the principles of legal certainty (al-tsubūt), justice (‘adl), and information transparency (ṣidq).
Co-Authors Aisyul Hana, Ubaid Marini Indah Isnaini Mochamad Ridwan Adi Wijaya Muchammad Farid Fauzi Muhammad Mufid Nasrullah Rahman, Azibur Raviqa Noer Laily Supriyadi