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All Journal Jurnal Ilmiah Ekonomi Islam ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Jurnal Pengabdian Masyarakat: BAKTI KITA International Conference on Islamic Economic
Irfan Ramis
Universitas Negeri Surabaya
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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UPAYA PENINGKATAN PEREKONOMIAN MASYARAKAT MELALUI PELATIHAN DAN PENDAMPINGAN UMKM BERBASIS MASJID DI SURABAYA Irfan Ramis; Moh Farih Fahmi; Sri Abidah Suryaningsih; A’rasy Fahrullah
Jurnal Pengabdian Masyarakat : BAKTI KITA Vol. 6 No. 1 (2025): Nopember - April
Publisher : LPPM Universitas Islam Darul 'Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/baktikita.v6i1.8139

Abstract

Kedurus Village, located in the Karangpilang District of Surabaya City, boasts a diverse community and significant economic potential. One of the challenges encountered is the community's and worshippers' absence of interest in entrepreneurship in the vicinity of the Gunung Sari Indah Mosque. Training and mentoring for Micro, Small, and Medium Enterprises (MSMEs) based on mosques are viable strategies for enhancing the economy of the community in Kedurus Village. An effective solution to support the economic development of the community is anticipated to be the collaboration between the local administration and the Indonesian Mosque Council (DMI) of Surabaya City. The development of micro, small, and medium-sized enterprises (MSMEs) is essential for the establishment of sustainable economic growth at the local level. MSMEs are instrumental in the development of employment opportunities, the expansion of the economy, and the enhancement of community welfare. MSMEs can enhance the quality of their products, digital marketing, digital financial management, and other aspects that facilitate business growth through appropriate training and mentoring. Mosques, which serve as hubs for religious and social activities, possess significant potential to serve as hubs for the development of micro, small, and medium-sized enterprises. The function of mosques as agents of economic development at the local level will be enhanced through collaboration with the Indonesian Mosque Council (DMI) of Surabaya City. The government, religious institutions, and community are expected to establish a positive synergy through the participation of mosques in community service activities.
MINIMIZING AGENCY PROBLEMS IN MUDHARABAH CONTRACTS THROUGH THE PRINCIPLE OF TAUHID Irfan Ramis; Hardianti Nur; Muhammad Wahyuddin Abdullah; Rusmadi Rijal Saleh
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 8 No. 2 (2025): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v8i2.8542

Abstract

This research aims to minimize the agency problem in mudharabah contract through tawhid principle. This research works with qualitative approach which applies the method of library research by implementing the literature review. Agency theory focuses on two aspects, the principal and the agent where the principal as the owner (shahibul maal) and the agent as the manager (mudharib). Agency problem takes place after the work, there are three conflicts during the agency problem; purpose conflict, behavior conflict, and asymmetric information conflict. Mudharabah is the corporation system which has declared position in Islam. Mudharabah is basically a contract of profit and loss sharing in which one side trusts some capitals to an investor. As the result, he will get what has been determined from the profit/loss of the business invested. This kind of contract requires transparency of the businessman. If one of the main sides especially mudharib does not report everything transparently, there will be activities called adverse selection and moral hazard. The mudharabah contract is a finance contract full of asymmetric information. The effort of minimizing the agency problem is inserting the Tawhid principle where Allah is the truest witness of all contracts. Based on the Tawhid principle and ethics considering the purpose or maqashid al-syariah; Keeping religion (Faith), keeping the wealth, keeping mind, keeping souls and children. The tawhid values must be implemented in our daily muamalah such as honesty, ransparency, trusty, and well-believed in economic activity.
The Influence of Halal Certification, Halal Awareness, and Promotion on Purchase Intention of Se'Indonesian Products Among Muslim Consumers in Surabaya City Andi Riyadi; Irfan Ramis
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i1.483

Abstract

The low number of halal certifications in Indonesia, reaching only 6,4 million out of 30 million culinary MSMEs, raises consumer doubts and decreases purchase intentions. This issue is compounded by the low level of halal awareness among the public, particularly the youth who lack understanding of the halal concept, as well as ineffective social media promotions that merely copy trends without clear objectives, leading to a decline in buying interest. This study aims to analyze the influence of halal certification, halal awareness, and promotion on the purchase intention of Se'Indonesia products among Muslim consumers in Surabaya. A quantitative research method was employed, utilizing primary data obtained from an online questionnaire distributed to 120 respondents selected via purposive sampling, and analyzed using multiple linear regression. The results indicate that halal certification, halal awareness, and promotion have a positive and significant effect on purchase intention, both partially and simultaneously, with a combined contribution of 81.6%. This research can serve as a reference for policies or decisions and provide insights for related parties.
PENGARUH RELIGIUSITAS, KEPERCAYAAN, DAN GAYA HIDUP TERHADAP KEPUTUSAN BERDONASI UANG KEMBALIAN (STUDI PADA KONSUMEN RITEL MODERN KOTA SURABAYA): Studi pada konsumen ritel modern kota Surabaya Muhammad Ad Din Shofi; Irfan Ramis
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20504

Abstract

The growth of "spare change" donation programs in modern retail has turned shopping into a vehicle for public philanthropy, making it important to examine the factors influencing consumer decisions to donate. This study aims to analyze the influence of religiosity, trust, and lifestyle on the decision of modern retail consumers in Surabaya to donate their spare change. A quantitative approach was employed, utilizing primary data collected via Google Forms questionnaires from 110 Muslim consumers selected through purposive sampling. Data analysis was conducted using multiple linear regression with the aid of SPSS (Statistical Product and Service Solutions) software, version 22. The results indicate that trust has a positive and significant effect on the donation decision (significance value of 0.006), followed by lifestyle (significance value of 0.000), whereas religiosity does not have a significant effect (significance value of 0.514). These findings suggest that, in the context of spare change donations at modern retail outlets, consumer decisions are driven more by trust or lifestyle than by religiosity; this may be attributed to the fact that the majority of respondents were aged 17–24 a stage of early adulthood characterized by emotional instability and susceptibility to rapid change, factors that often influence an individual's level of religiosity as they mature.
PERILAKU KONSUMEN MUSLIM DALAM PERSPEKTIF ETIKA KONSUMSI ISLAMI: STUDI PROGRAM TEBUS MURAH TOKO RITEL MODERN DESA BOGOKIDUL: Studi program tebus murah toko ritel modern desa Bogokidul Rizki Amalia Indana Ardiyanti; Irfan Ramis
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20511

Abstract

Research on Muslim consumer behavior in participating in modern retail promotional programs is still relatively limited, especially those that examine consumers' subjective experiences from the perspective of Islamic consumption ethics. This study aims to analyze the shopping behavior of Muslim consumers and examine the application of Islamic consumption ethics in participating in the Tebus Murah Program at Indomaret in Bogokidul Village. The study used a qualitative approach with a phenomenological method through observation, in-depth interviews, and documentation techniques. The results show that consumer shopping behavior is influenced by needs, price considerations, product benefits, and promotional programs, as well as through stages of consumer decision-making. In general, Muslim consumer shopping behavior has reflected the principles of Islamic consumption ethics, although its application has not been fully consistent in every purchasing decision. The findings of this study contribute to the development of studies on Muslim consumer behavior in the context of modern retail promotions and serve as a reference for retail managers in designing promotional strategies that are in line with sharia values.
The Influence of Electronic Word of Mouth (E-WoM) and Fear of Missing Out (FoMO) on Purchase Intention Toward Blind Boxes Wulan Fauziya; Irfan Ramis
International Conference on Islamic Economic (ICIE) Vol. 5 No. 2 (2026): Article In Press
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/gnfzh859

Abstract

The growing popularity of blind boxes among Generation Z has raised concerns about the factors driving consumers’ purchase intentions, particularly the influence of social media information and psychological pressure to follow trends. This study aims to analyze the influence of Electronic Word of Mouth (E-WoM) and Fear of Missing Out (FoMO) on blind box purchase intention among Generation Z in East Java. A quantitative research approach was employed using a Likert-scale questionnaire distributed to 120 respondents selected through purposive sampling. The collected data were analyzed using IBM SPSS 26. The results indicate that E-WoM and FoMO each have a significant partial influence on purchase intention. Simultaneously, both variables significantly influence blind box purchase intention, with E-WoM showing a more dominant influence than FoMO. These findings indicate that credible information, reviews, recommendations, and social media content, combined with consumers’ fear of missing current trends, can strengthen purchase intentions. This study contributes to consumer behavior literature by highlighting the combined role of digital social influence and psychological motivation in shaping Generation Z’s purchase intention toward blind box products.
Co-Authors Andi Riyadi A’rasy Fahrullah Hardianti Nur Moh Farih Fahmi Muhammad Ad Din Shofi Muhammad Wahyuddin Abdullah Rizki Amalia Indana Ardiyanti Rusmadi Rijal Saleh Sri Abidah Suryaningsih Wulan Fauziya