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All Journal Jurnal Ilmiah Al-Tsarwah Islamic Banking and Finance ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah IFADAH : Jurnal Ekonomi dan Manajemen Syariah
Muhammad Syafi'i Budi Santoso
STIES Babussalam Jombang
Economics, Econometrics & Finance

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ABU YUSUF AND THE DEVELOPMENT OF ISLAMIC ECONOMIC THOUGHT Ahmad Syahni; Muhammad Syafi'i Budi Santoso; Zakiyyah Ilma Ahmad; Muhammad Nasiruddin; Dimyati
Jurnal Ilmiah Al-Tsarwah Vol. 9 No. 1 (2026)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v9i1.12050

Abstract

This study examines the contribution of the classical Islamic economic thought of Abu Yusuf as presented in his monumental work, Kitab al-Kharaj. The primary objective of this study is to explore his concepts of public finance, taxation, and state intervention in market mechanisms to achieve social welfare. This study employs a qualitative approach using library research. The findings indicate that Abu Yusuf’s economic thought is grounded in the principles of justice, governmental accountability, and public welfare. The study reveals that Abu Yusuf pioneered the transition from a fixed tax system (misahah) to a proportional taxation system (muqasamah) based on taxpayers’ actual ability to pay. He also emphasized the state's responsibility to develop public infrastructure and regulate markets to prevent monopolistic practices (ihtikar). In conclusion, Abu Yusuf’s economic thought laid the foundation for a fiscal policy framework oriented toward public welfare, transparent management of the state treasury (Bayt al-Mal), and social justice. These ideas remain highly relevant and applicable to contemporary economic systems.
Peran Informasi Harga Dalam Mempengaruhi Keputusan Konsumen Di Pasar Mikro Muhammad Khoirun Nasirin; Muhammad Syafi'i Budi Santoso; Syafiul Umam; M. Farid Al-Azhar
Islamic Banking and Finance Vol. 6 No. 1 (2026)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v6i1.6101

Abstract

This study aims to analyze the role of price information in influencing consumer decisions in micro markets. Price information is a crucial factor for consumers in making purchasing decisions, particularly in traditional markets, which tend to have varying degrees of information transparency. This study employed a descriptive qualitative method with a field study approach. Data were collected through in-depth interviews, observation, and documentation with consumers and micro-business owners. The results indicate that price information plays a significant role in shaping consumer perceptions of a product's value, influencing price comparisons, and determining purchasing decisions. Limited access to price information leads to information asymmetry, which results in suboptimal consumer decisions. Furthermore, direct interaction, such as bargaining, serves as an alternative mechanism for obtaining price information. This study implies that increasing price transparency and information access can promote micro market efficiency and improve consumer welfare.
PERAN KETERLIBATAN PERBANKAN SYARI’AH DALAM PENINGKATANN LITERASI FINANSIAL DI SEKOLAH: STUDI BANK SYARI’AH INDONESIA (BSI) Syafiul Umam; Muhammad Syafi'i Budi Santoso; Dimyati Dimyati
ISTIFADA : Jurnal Ekonomi dan Lembaga Keuangan Syariah Vol. 1 No. 01 (2025): ISTIFADA : Jurnal Ekonomi Dan Lembaga Keuangan Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/istifada.v1i01.111

Abstract

Salah satu lembaga keuangan syariah yang cukup populer di daerah Jombang adalah BMT Syariah. Penelitian ini bertujuan untuk menyajikan informasi terkait strategi pemasaran yang digunakan oleh lembaga keuangan syariah yaitu BMT di Kabupaten Jombang dalam menarik konsumennya. Metode yang digunakan dalam penelitian ini adalah Systematic Literature Review (SLR) untuk mengidentifikasi, mengevaluasi, dan menafsirkan hasil penelitian yang relevan dengan topik yang diteliti, Hasil penelitian menunjukkan bahwa terdapat beberapa strategi pemasaran yang digunakan antara lain: 1) Pemanfaatan media promosi seperti media sosial, menyebarkan brosur, media periklanan, personal selling, mulut ke mulut, promosi penjualan, sosialisasi. 2) Pengembangan sumber daya manusia sebagai kunci dalam keberhasilan pemasaran. 3) menerapkan ekspansi pasar, memperluas pangsa pasar bisa dikatakan memperbesar bisnis. 4) Menerapkan sistem jemput bola dengan mendatangi rumah ke rumah untuk mempermudah pelayanan kepada masyarakat. Pemasaran tidak hanya sebatas menjual saja, namun lebih luas dari itu adalah sebuah proses yang mencakup mulai dari perencanaan, pelaksanaan hingga evaluasi.
HISTORITAS PENERAPAN KONSEP EKONOMI ISLAM DI INDONESIA : Perkembangan Konsep, dan Tantangan Kontemporer muhammad nasiruddin; Muhammad syafi'i Budi Santoso; Ahmad Vadlan
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 1 No 01 (2025): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v1i01.97

Abstract

Penelitian ini membahas historitas penerapan konsep ekonomi Islam di Indonesia, dengan fokus pada perkembangan pemikiran dan implementasinya dari masa ke masa serta tantangan kontemporer yang dihadapi. Ekonomi Islam, sebagai sistem yang berlandaskan pada prinsip syariah, telah mengalami perjalanan panjang dalam konteks Indonesia, mulai dari masa kerajaan Islam, era kolonial, hingga berkembang secara institusional pasca reformasi. Kajian ini menelusuri dinamika tersebut dengan pendekatan kualitatif-deskriptif, menggunakan studi pustaka sebagai metode utama. Hasil kajian menunjukkan bahwa meskipun konsep ekonomi Islam telah mengakar sejak lama, implementasinya secara sistematis baru mendapatkan momentum signifikan pada dekade 1990-an, ditandai dengan lahirnya institusi keuangan syariah dan regulasi pendukung. Namun demikian, tantangan seperti dualisme sistem ekonomi, literasi masyarakat yang masih rendah, serta resistensi struktural dalam sistem ekonomi konvensional, masih menjadi hambatan utama dalam optimalisasi penerapan ekonomi Islam di Indonesia. Penelitian ini merekomendasikan perlunya sinergi antara pemangku kepentingan dalam mendorong transformasi sistemik menuju ekonomi yang lebih inklusif dan sesuai dengan nilai-nilai Islam
PEMBERDAYAAN PEMBANGUNAN GEDUNG PONDOK PESANTREN BABUSSALAM DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT KALIBENING MOJOAGUNG JOMBANG Kevin Maulana; Jafar Shiddiq; Mohamad Nur Husen; Muhammad Syafi'i Budi Santoso; Dimyati Dimyati
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 1 No 02 (2025): IFADAH : Jurnal Ekonomi Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v1i02.161

Abstract

Penelitian ini bertujuan untuk menganalisis proses pemberdayaan pembangunan gedung di Pondok Pesantren Babussalam serta dampaknya terhadap kesejahteraan masyarakat di Kalibening Mojoagung, Jombang. Metode penelitian yang digunakan adalah pendekatan campuran, yaitu kuantitatif dan kualitatif, dengan desain penelitian studi kasus. Teknik pengumpulan data meliputi wawancara, observasi, studi dokumentasi, dan kuesioner. Hasil penelitian menunjukkan bahwa pembangunan gedung pesantren telah meningkatkan kualitas pendidikan melalui fasilitas yang lebih memadai, mendukung partisipasi sosial masyarakat, serta memberikan dampak positif terhadap perekonomian lokal. Selain itu, analisis SWOT mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman yang terkait dengan pemberdayaan masyarakat melalui pesantren. Temuan ini menjadi landasan bagi pihak pesantren dan pembuat kebijakan dalam merumuskan strategi pemberdayaan yang lebih efektif di masa depan.
Management of The Impact of Sharia Fintech Implementation on Financial Inclusion of Marginalized Communities Syafiul Umam; Muhammad Syafi'i Budi Santoso; Abdul Wakhid; Ahmad Syahni; Dimyati Dimyati
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 01 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i01.213

Abstract

This study examines the impact of Sharia fintech implementation on the financial inclusion of marginalized communities. The rapid development of financial technology based on Islamic principles has created new opportunities for expanding access to financial services among underserved populations, particularly those facing geographical, economic, and social barriers. The objective of this study is to analyze the role of Sharia fintech in improving access to financial services, promoting economic empowerment, and supporting sustainable financial inclusion. This research employs a qualitative descriptive approach through a comprehensive review of relevant literature, regulatory frameworks, and empirical findings related to Islamic financial technology and financial inclusion. The findings indicate that Sharia fintech contributes significantly to increasing access to financing, savings, payment systems, and financial literacy among marginalized communities. Furthermore, the principles of transparency, fairness, and prohibition of usury embedded in Sharia fintech enhance public trust and encourage broader participation in the formal financial sector. However, challenges such as limited digital literacy, inadequate technological infrastructure, regulatory constraints, and low public awareness remain significant barriers to maximizing its impact. The study concludes that strengthening regulatory support, improving digital literacy, and enhancing collaboration among stakeholders are essential to optimizing the contribution of Sharia fintech to inclusive and sustainable economic development
Implementation Management Talent Based on Islamic Values in Improving the Performance of Employees of Islamic Financial Institutions abdul wahid; Ahmad Zainul Abidin; Muhammad Syafi'i Budi Santoso
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 02 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i02.230

Abstract

Study This aim For analyze implementation management talent based Islamic values in increase performance employees at the institution Islamic finance . Management talent is one of the important strategies in management source Power man For acquire , develop , maintain , and optimize potential employees to be able to give contribution maximum to achievement objective organization . In Islamic perspective , implementation management talent No only oriented towards competence and productivity , but also emphasizes values trustworthy , ihsan , siddiq , fathanah , tabligh , justice , and professionalism as runway in operate work . Research This use approach qualitative with method studies case in one of the institution Islamic finance . Data obtained through interview in-depth , observation , and documentation , then analyzed use technique interactive data analysis that includes data reduction , data presentation , and data extraction conclusion . Research result show that implementation management talent based Islamic values have implemented through a recruitment process that takes into account competence and integrity Islam , training and development programs spiritually based , system evaluation integrated performance​ aspect professional and moral, as well as giving awards that encourage improvement motivation work . Implementation Islamic values in every stages management talent proven capable increase competence , commitment , loyalty , discipline , and productivity employee so that impact positive to improvement quality service and performance organization in a way overall . Therefore that , integration between practice management modern talent with Islamic values become an effective strategy in create source Power superior , integrated and empowered human beings competition in institutions Islamic finance
Co-Authors Abdul Wahid Abdul Wakhid Ahmad Syahni Ahmad Vadlan Ahmad Zainul Abidin Ahmad, Zakiyyah Ilma Dimyati Dimyati Dimyati Dimyati Dimyati Jafar shiddiq Kevin Maulana M. Farid Al-Azhar Mohamad Nur Husen Muhammad Khoirun Nasirin muhammad nasiruddin Muhammad Nasiruddin Syafiul Umam