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All Journal Tadris: Jurnal keguruan dan Ilmu Tarbiyah Jurnal Ilmu-Ilmu Peternakan (Indonesian Journal of Animal Science) Global Review of Islamic Economics and Business Jurnal Ilmiah Ekonomi Islam al-Uqud : Journal of Islamic Economics Indonesia Journal of Halal JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Oeconomicus Journal of Economics El-Qist : Journal of Islamic Economics and Business (JIEB) Society : Jurnal Pengabdian dan Pemberdayaan Masyarakat Jurnal Pijar MIPA Filantropi: Jurnal Manajemen Zakat dan Wakaf Jurnal Ekonomi Syariah dan Bisnis Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Jurnal Ekonomi dan Bisnis Digital Research Horizon Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Ecoducation PESHUM BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Journal of Islamic Economic Laws JIFA (Journal of Islamic Finance and Accounting) Al-Infaq : Jurnal Ekonomi Islam Halal Science
Rahmawati, Lilik
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

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GENERATION Z’S INTEREST IN USING SHARIA DIGITAL BANKS AS A FINANCIAL SERVICE IN THE ERA OF DISRUPTION Muharromah, Gabriele Lailatul; Mustofa, Mustofa; Rahmawati, Lilik
Al-Infaq: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v15i1.2148

Abstract

The banking industry is presently undergoing innovation by integrating cutting-edge technology to establish digital banks. A digital bank conducts its operations exclusively online through an application and typically has a central office. In Indonesia, there is a growing popularity of digital banks, with a noticeable emergence of Sharia-based digital banks. However, the progress of Islamic digital banks is comparatively slower when compared to non-Sharia counterparts. Capitalizing on the familiarity of Gen Z with technology, this study aims to explore how the variables of convenience, security, and religiosity individually and collectively influence the inclination of Generation Z in Surabaya to use Islamic digital banks. The research adopts a quantitative approach, specifically causal research, and collects data through online questionnaires distributed via Google Forms. With a sample size of 170 respondents selected through purposive sampling, the study employs SmartPLS 3 software for data processing and analysis. Findings indicate that the convenience variable positively and significantlyimpacts the interest in using Islamic digital banks, while the security variable also exerts a positive and significant influence. However, the religiosity variable does not show a significant effect on the interest in using Islamic digital banks. When considered together, convenience, security, and religiosity collectively influence the interest in using Islamic digital banks.
Business Development Strategies of Culinary MSME Based on Islamic Economic Principles Hikmah, Durrotul; Rohman, Afifur; Rahmawati, Lilik
Research Horizon Vol. 5 No. 6 (2025): Research Horizon - December 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.6.2025.968

Abstract

Indonesia’s rich culinary diversity not only represents cultural and historical identity but also constitutes a strategic economic sector that significantly contributes to the national gross domestic product and employment, particularly through micro, small, and medium enterprises. This study aims to analyze the integration of Islamic economic principles in the business development strategy of the culinary MSME restaurant. A qualitative phenomenological approach was employed to explore the lived experiences underlying the implementation of these principles. Data were collected through in-depth interviews with two employees and seven customers, supported by observations and document analysis. The findings indicate that the consistent internalization of Islamic economic principles functions not only as an ethical foundation but also as a strategic resource that enhances business sustainability. The principle of justice is reflected in fair and timely employee compensation and affordable pricing, honesty is manifested through transparency in raw materials and pricing, and halal principle is implemented across the production and supply chain. These practices foster trust, employee engagement, customer loyalty, and strengthen intangible assets such as reputation and value-based branding. The study implies that Islamic economic principles can serve as a viable strategic framework for culinary MSMEs when combined with adaptive management and innovation.
Implementation Of Islamic Monetary Policy In Indonesia's Economic System For The 2020-2024 Period Ardiansyah, Jefri; Rahmawati, Lilik; Hasan, Hasan
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15168

Abstract

This study examines the implementation, potential, and challenges of Islamic monetary policy in Indonesia in supporting inclusive and sustainable economic growth. Despite Indonesia's status as the world's largest Muslim-majority country and its significant market potential for Islamic financial products, there are considerable gaps in the implementation of Islamic monetary policy. These gaps include low financial literacy, regulatory frameworks that are not yet fully supportive, and infrastructure limitations. The purpose of this research is to evaluate the implementation of Islamic monetary policy, analyze the challenges it faces, and provide strategic recommendations to enhance its effectiveness. The research methodology involves the analysis of secondary data from government reports and related institutions, as well as a literature review on Islamic monetary policy and best practices in other countries. The results of the study indicate that during the pandemic, instruments such as sukuk, IMA Certificates,
Halal Supply Chain Analysis of a Micro-Scale Chicken Intestine Cracker Enterprise in Surabaya Dewi, Fatimah Sari; Rahmawati, Lilik
Halal Science Volume 2 Issue 1
Publisher : ETFLIN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58920/halal0201616

Abstract

Limited integration of halal assurance across supply chain stages remains a critical challenge for Indonesian micro-scale food enterprises, particularly those processing high-risk animal-based products. Existing studies predominantly emphasize product-level certification, leaving a gap in understanding how halal supply chain management (HSCM) is operationalized at the micro-enterprise level. This study aims to analyze the implementation of HSCM in a micro-scale enterprise, Pak Rebo Chicken Intestine Crackers in Surabaya, Indonesia, using a qualitative case study approach. Data were collected through semi-structured interviews with five key participants (owner, supplier, employees, and consumer), direct observation, and documentation review. The analysis was guided by a halal supply chain framework covering production preparation, production processing, distribution, and consumption stages. Halal practices were evaluated using a five-point compliance scale adapted from prior halal supply chain studies, where scores range from 1 (very poor) to 5 (excellent) based on observable operational indicators. The findings indicate strong compliance in hygiene practices, material handling, transaction transparency, and distribution activities. However, weaknesses remain in documentation, traceability, halal labeling, and inventory control systems, indicating that halal compliance is primarily practice-based rather than system-based. This study contributes to halal supply chain literature by highlighting the gap between operational and institutional compliance in micro-scale enterprises and provides practical insights for strengthening traceability, labeling consistency, and governance mechanisms. The results offer implications for improving halal assurance systems in resource-constrained MSME contexts.
Pengaruh Pengaruh Kebijakan Pemerintah Terhadap Kinerja Usaha Toko Kelontong di Kecamatan Wonocolo Perspektif The Law of Unintended Consequences: Indonesia Farizy, Mukhammad; Rahmawati, Lilik
OECONOMICUS Journal of Economics Vol. 10 No. 2 (2026): (June) edisi 20
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the influence of government policies, including business legality, business assistance, entrepreneurship training, stock limitation, and price control, on the business performance of small grocery stores, in Wonocolo District, viewed through the theoretical perspective of The Law of Unintended Consequences. Small grocery stores were chosen as the object of this research because they represent one of the most common forms of micro-enterprises and play a vital role in the socio-economic system by providing essential goods for local communities. However, in practice, small grocery store owners often face internal and external challenges, including the effects of government policies that may impact their business stability and sustainability. This study employs a descriptive quantitative approach with a sample of 80 respondents selected using a random sampling method within the Wonocolo District. Data were analiyzed using binary logistic regression with the aid of SPSS version 26 to assess the effect of government policies on business performance. The result indicate that business legality, assistance, and training programs have no significant effect on business performance, while stock limitation and price control have a negative and significant effect. These findings confirm the existence of unintended consequences in policy implementation, where legality, assistance, and training policies exhibit neutral consequences due to subuptimal execution, whereas stock and price control policies generate unexpected drawbacks that adversely affect business performance. The study suggests that policymakers should consider these findings as an evaluation basis design more contextually appropriate and adaptive policies for micro-enterprises.
Co-Authors Abdul Hakim Abu Yasid Aini Mufidah, Ismi Ali Mustofa, Imam Amaliyah, Nabilatul ARDIANSYAH, JEFRI Ariyanti, Septi Dwi Atok Syihabuddin Ayu Aulia, Melly Eka Azhary Noersidiq Azka, Moh Shadam Taqiyyuddin Badrotin Jabbar, Achmad Arbi Nur Bella, Alif Mujiyana Eka Bulkaini (Bulkaini) Dewi Safitri, Kartika Dewi, Fatimah Sari Djoko Kisworo Elbarqi, Muhammad Nur Sholeh Fahrullah Fahrullah Farizy, Mukhammad Fatimatus Zahro, Fatimatus Fatkhurrozi, Tanto Firdaus, Fira Fara Hadi, Nurrohman Haryanto Haryanto Hasan Hasan Hikmah, Durrotul Hudayatin, Nofiana Ikhwan Abdillah, Mohammad Islami , Debby Islami , Debby Izniyah, Izniyah Jim, Mahafizur Rahman Kartika Kartika Khilmia, Aqif Khoiriah, Lutfi Tasriful Laili, Izza Nuzilatul Lathifah, Nurul Leviansyah, M. Rizal Lutfiyah, Ani majid, khikam ali Masitoh, Imas Maslahah, Maslahah Maziyah Mazza Basya Mohammad Dliyaul Muflihin Muannasa, Aulia Muharromah, Gabriele Lailatul Mukaromah, Hani Muliawati, Unun Fiolita Muntazeri, Eliya Najma Murniasari, Nisa Mustofa Mustofa Mustofa, Imam Ali Mutimmatul Faidah Nabila, Uyun Nadia, Nada El Nurazizah, Devia Rahma Nurlailah Nurlailah, Nurlailah Nurullaily, Shulhah Pangestu, Fikri Ari Praktikto, Muhammad Iqbal Surya Pramuja, Moch. Wahyu Prasetyo, Novi Eko Pratikto, Muhammad Iqbal Surya Rahmani, Nur Maulidah Dini Rahmasari, Dewi Rakhmadian, miftah Rohman, Afifur Rohmatin, Laili Rusmanto, Hery Sri Wigati Ulkiyah, Kalisom Utami Silfia Ayu, Betty Vebera Maslami Wulandani, Baiq Rani Dewi Yulianto, Wahid