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All Journal Niqosiya: Journal of Economics and Business Research Economic Military and Geographically Business Review Falahiya
Khoirun Nisak
Department Of Sharia Economics, Faculty Of Islamic Economics And Business, Univesitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo, Ponorogo, East Java 63492
Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Halal Critical Points and Consumer Trust in Halal Supply Chain Management: Evidence from a Traditional Tofu Factory in Indonesia Firnanda Amalia Putri Herianti; Khoirun Nisak
Niqosiya: Journal of Economics and Business Research Vol. 6 No. 1 (2026): January-June 2026
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v6i1.5507

Abstract

Although halal certification has become mandatory in Indonesia, many micro, small, and medium enterprises (MSMEs) have not formally implemented Halal Supply Chain Management (HSCM), creating challenges in ensuring halal integrity throughout the supply chain. Previous studies have mainly focused on HSCM implementation, with limited attention to halal critical points and stakeholder perceptions in relation to consumer trust. This study aims to analyze the implementation of HSCM at the Rembukidul Tofu Factory in Mojokerto Regency, identify halal critical points, examine stakeholder perceptions, and assess their implications for product quality and consumer trust. A qualitative case study approach was employed using semi-structured interviews with nine purposively selected informants and direct field observations. Data were analyzed based on four HSCM dimensions: halal procurement, halal manufacturing, halal distribution, and halal logistics, using the Halal Assurance System (HAS 23000) as the analytical framework. The findings indicate that HSCM implementation remains informal and does not fully comply with formal halal assurance standards. Three halal critical points were identified: the use of homemade fermented vinegar without laboratory verification, inadequate pest control, and the use of open containers during distribution. Despite these shortcomings, consumer trust remains strong, primarily driven by consistent product quality, long-term purchasing experience, and the factory's reputation rather than formal halal certification. This study contributes to the HSCM literature by highlighting the gap between informal halal practices and formal halal assurance while explaining how consumer trust is sustained in a community-based food MSME despite the absence of formal halal certification.
The Impact of Mudharabah, Musyarakah, and Istishna Financing on the Profitability of Bank Muamalat Indonesia: An Empirical Analysis of Quarterly Data (2016–2023) Puput Ratna Sari; Khoirun Nisak
Falahiya Journal of Islamic Banking and Finance Vol. 5 No. 1 (2026)
Publisher : Universitas Islam Negeri (UIN) Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/fbcma124

Abstract

Introduction: This study examined the effects of mudharabah, musyarakah, and istishna financing on the profitability of Bank Muamalat Indonesia during the 2016–2023 period. The study was motivated by fluctuations in the bank's profitability and the need to better understand how different Islamic financing contracts contribute to financial performance. Research Methods: A quantitative approach with a causal associative research design was employed. Secondary data were collected from the quarterly financial statements of Bank Muamalat Indonesia, covering 32 observations from 2016 to 2023. The data were analyzed using multiple linear regression with EViews 12 after satisfying the classical assumption tests. Profitability was measured using Return on Assets (ROA), while mudharabah, musyarakah, and istishna financing served as the independent variables. Results: The results indicate that mudharabah financing had no significant effect on profitability. In contrast, musyarakah financing exerted a positive and statistically significant effect on profitability, whereas istishna financing had a significant negative effect. Simultaneously, the three financing contracts significantly influenced profitability, suggesting that the composition of Islamic financing portfolios plays an important role in determining the financial performance of Islamic banks. Conclusion: Unlike most previous studies that investigated multiple Islamic banks or focused on a limited number of financing contracts, this study simultaneously examined the effects of mudharabah, musyarakah, and istishna financing within a single pioneer Islamic bank in Indonesia over an observation period that captured the pre-pandemic, pandemic, and post-pandemic economic conditions. The findings provide empirical evidence to support more effective financing portfolio management for improving the profitability and sustainability of Islamic banks.
Financial inclusion through gold pawn services in Indonesia: A comparative analysis of conventional and Islamic systems Muhammad Thoha Ainun Najib; Khoirun Nisak; Endah Setyowati
Economic Military and Geographically Business Review Vol. 4 No. 1: (July) 2026
Publisher : Institute for Advanced Science Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/emagrap.v4i1.2026.3345

Abstract

Background: Financial inclusion is essential for inclusive economic development, particularly in developing countries where access to formal financial services remains limited. In Indonesia, gold pawn services provided by non-bank financial institutions serve as an important alternative financing mechanism for communities facing barriers to banking access. These services operate under conventional and Islamic systems, yet comparative empirical evidence on their roles in promoting financial inclusion remains limited. This study aims to analyze the role of gold pawn services in enhancing financial inclusion in Indonesia, considering operational and macroeconomic factors, and to compare inclusion mechanisms between conventional and Islamic systems. Methods: This study employs a quantitative approach, drawing on secondary data on gold pawn services in Indonesia. Financial inclusion is proxied by the ratio of service outlets to gold pawn accounts, reflecting spatial and institutional accessibility. A stacked regression model is applied to examine the effects of operational factors and economic growth while capturing structural differences between the two systems. Findings: The results show that operational factors significantly influence financial inclusion in both conventional and Islamic gold pawn services. Economic growth also affects financial inclusion, with differing sensitivities observed between the two systems, indicating distinct operational and structural mechanisms. These findings support the theoretical view that alternative financing instruments with simplified access can complement the formal financial system in expanding financial inclusion. Conclusion: Gold pawn services contribute significantly to financial inclusion in Indonesia, with clear differences in the mechanisms of inclusion between conventional and Islamic systems. Novelty/Originality of this article: This study contributes by using the outlet-to-account ratio as a proxy for financial inclusion and by providing an integrated empirical comparison of conventional and Islamic gold pawn services.
Effectiveness of Training Program Implementation at the Neutral Ponorogo Course and Training Institute: An Islamic Economic Perspective Fauzah Agustina; Khoirun Nisak; Raisha Salisa Ahmad
Niqosiya: Journal of Economics and Business Research Vol. 5 No. 1 (2025): January-June 2025
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v5i1.4460

Abstract

Introduction: The Course and Training Institution (LKP) plays a strategic role in improving the quality of human resources. LKP Neutral Ponorogo is one of the institutions that offers a batik training program to enhance the skills of participants. However, as the program progresses, it is important to assess whether it is truly effective in providing an impact, particularly in improving the quality of human resources for students. This study aims to analyze the effectiveness and impact of the training program implemented by LKP Neutral Ponorogo. Research Methods: This study uses a qualitative method. Data were collected through interviews, observations, and documentation, then analyzed through reduction, presentation, and drawing conclusions. The validity of the data was tested using triangulation techniques, and research informants included leaders, staff, and training participants at LKP Neutral. Results: The research findings indicate that the training program at LKP Neutral Ponorogo has been quite effective in improving human resource quality, while also contributing to economic empowerment and enhancing participants' work ethics from an Islamic economic perspective. Despite facing several challenges, the program has had a positive impact, as reflected in the participants' improved knowledge, skills, and abilities. Conclusion: The batik training program conducted by LKP Neutral Ponorogo demonstrates the potential of vocational education in shaping a skilled, ethical, and economically empowered society. With continuous improvement and support, such initiatives can serve as a model for enhancing human resource development by Islamic economic values.
Co-Authors Endah Setyowati Fauzah Agustina Firnanda Amalia Putri Herianti Muhammad Thoha Ainun Najib Puput Ratna Sari Raisha Salisa Ahmad