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All Journal Al-'Adalah Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IJIBE (International Journal of Islamic Business Ethics) I-ECONOMICS: A Research Journal on Islamic Economics MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal Ilmiah Ekonomi Islam Jurnal Al-Ashlah Martabe : Jurnal Pengabdian Kepada Masyarakat Iqtishoduna: Jurnal Ekonomi Islam El-Barka: Journal of Islamic Economics and Business Proceedings of Annual Conference for Muslim Scholars Wahana Akademika: Jurnal Studi Islam dan Sosial Journal of Community Development and Disaster Management JURNAL PENGABDIAN PENDIDIKAN MASYARAKAT (JPPM) Inisiatif: Jurnal Dedikasi Pengabdian Masyarakat AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Ziswaf Asfa Journal Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Proceedings of Femfest International Conference on Economics, Management, and Business Journal of Islamic Economic Laws
Zahro’, Khurun’in
Universitas Darussalam Gontor
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Revealing the Impact of Waqf Literacy: How are Students of Universitas Darussalam Gontor Interested in Cash Waqf? Zahro', Khurun’in; Anisa Muflikhatul Muna; Vina Fithriana Wibisono
ZISWAF ASFA Vol 3 No 1 (2025): ZISWAF ASFA Journal (May 2025)
Publisher : ASFA Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69948/ziswaf.22

Abstract

This study aims to identify the effect of cash waqf literacy on interest in waqf money among female teachers of Universitas Darussalam Gontor at Pondok Modern Darussalam Gontor for Girls 3. Innovation in waqf management is a necessity to expand Muslim participation, especially in the form of cash waqf. The cash waqf model provides greater flexibility, given that the object can be both movable and symbolic, allowing for more diverse investments and utilization. However, the potential of cash waqf in Indonesia has not been fully maximized. This research is descriptive quantitative research, data collection techniques using questionnaires, with proportional random sample sampling of 160 respondents. The analytical tool used is SEM-PLS Version 4.0. The results showed that the level of cash waqf literacy in female students at Universitas Darussalam Gontor  was at a moderate level, namely at a percentage of 65.63%. Factor analysis shows that cash waqf literacy has a significant influence on the interest in waqf money among these students. Evidenced by the t-statistic value of 37,188 (p-value 0.000 <0.05). In a 95% interval, the effect of waqf literacy on interest in waqf money lies between (0.776) to (0.867). The research shows that waqf literacy can influence the interest in waqf money among female students at Universitas Darussalam Gontor, especially Pondok Modern Darussalam Gontor for Girls 3.
Bridging Waqf and Sukuk: Cross-Country Insights from Indonesia and Malaysia on Islamic Social Finance Innovation Mufti Afif; Syahruddin; Khurun’in Zahro’; Nur Suriana Awaludin
MUSLIM HERITAGE Vol 10 No 1 (2025): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v10i1.10510

Abstract

Abstract The integration of waqf and sukuk is a strategic innovation in productive waqf management to support socio-economic development. Indonesia and Malaysia, as two countries with the largest Muslim populations and rapidly growing Islamic financial infrastructures, are relevant case studies to explore the implementation of this model. This research aims to examine sukuk-based productive waqf management in Indonesia and Malaysia, highlighting the challenges, potentials, and implementation of the integration model. This research utilizes a descriptive qualitative method with a phenomenological approach. The results show that waqf-based sukuk is a strategic innovation to optimize waqf assets and promote Islamic economic growth. However, its implementation still faces obstacles in the form of structural complexity, the need for regulatory harmonization, and low investor awareness. Waqf-based sukuk faces challenges in the form of structural complexity that requires careful planning and regulatory compliance that requires a harmonized legal framework. Low investor awareness of the instrument is also an obstacle to increasing its widespread adoption.   Abstrak Integrasi wakaf dan sukuk merupakan inovasi strategis dalam pengelolaan wakaf produktif untuk mendukung pembangunan sosial-ekonomi. Indonesia dan Malaysia, sebagai dua negara dengan populasi Muslim terbesar dan infrastruktur keuangan syariah yang berkembang pesat, menjadi studi kasus yang relevan untuk mengeksplorasi implementasi model ini. Penelitian ini bertujuan mengkaji pengelolaan wakaf produktif berbasis sukuk di Indonesia dan Malaysia, dengan menyoroti tantangan, potensi, dan implementasi model integrasi tersebut. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan fenomenologi. Hasil penelitian menunjukkan bahwa sukuk berbasis wakaf merupakan inovasi strategis untuk mengoptimalkan aset wakaf dan mendorong pertumbuhan ekonomi Syariah. Namun, implementasinya masih menghadapi hambatan berupa kompleksitas struktural, kebutuhan harmonisasi regulasi, dan rendahnya kesadaran investor. Sukuk berbasis wakaf menghadapi tantangan berupa kompleksitas struktur yang memerlukan perencanaan matang dan kepatuhan terhadap regulasi yang membutuhkan kerangka hukum harmonis. Rendahnya kesadaran investor terhadap instrumen ini juga menjadi hambatan dalam meningkatkan adopsi secara luas. Keywords: Integrasi Wakaf; Sukuk; Wakaf Produktif; Indonesia; Malaysia.
Tax Principles According to Abu Yusuf and Adam Smith: Comparative Study Khurun'in Zahro'; Nuriwanda Azizah Nugraheni; Ishma Amelia; Muhammad Reyhan
AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Vol. 3 No. 2 (2023): Desember 2023
Publisher : Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Publikasi (P3M) STAI Nahdlatul Watan Samawa-licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35964/albayan.v3i2.172

Abstract

Taxes are important for every country because it is the main income for the state, which is certainly very influential on state coffers in addition to gain in other fields. In the history of Islam itself, taxes have existed since the time of the Prophet (peace be upon him), and many Muslim scholars poured their thoughts into taxation. One of them is quite famous is Abu Yusuf, who poured a lot of economic thought into his book Al-Kharaj. One of these Western economists is Adam Smith, more commonly known as the Father of Economics. Adam Smith poured much of his thoughts on economics into his book An Inquiry into The Nature and Causes of the Wealth of Nations. The purpose of this study was to know the thoughts of Abu Yusuf and Adam Smith in the principle of taxes as well as to know the similarities and differences in the principle of taxes. This study uses comparative descriptive qualitative research conducted by studying literature or documentation and analyzing data submitted by Miles and Huberman. The results of this study showed that the difference between Abu Yusuf and Adam Smith is very clearly seen, in the taxes levied, Abu Yusuf did not collect taxes on land rent, rent, and wage taxes. And Abu Yusuf strongly emphasized justice where taxes are imposed on the taxpayer in accordance with his ability and does not burden the taxpayers.
REVITALISASI USAHA MIKRO DI DESA GANDU MELALUI PENERAPKAN STRATEGI BISNIS YANG EFEKTIF UNTUK PERTUMBUHAN BERKELANJUTAN Amilia Yuni Damayanti; Arief Rahmawan; Khurun'in Zahro'; Akhmad Affandi Mahfudz; Royyan Ramdhani Djayusman
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 6 No 2 (2025): Jurnal Pengabdian Pendidikan Masyarakat (JPPM), Vol 6 No 2 (Oktober 2025)
Publisher : LPPM UNIVERSITAS MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v6i2.2840

Abstract

Microenterprises (MSEs) in Gandu Village have great economic potential, but still face challenges in improving competitiveness and sustainable growth. The main problems faced by UM actors include limitations in preparing business strategies, inefficient production management, and low utilization of digital technology in marketing. One of the businesses facing these challenges is Bu Nor's Krecek Krupuk UM. The purpose of this service activity is to increase partners' capacity in formulating effective business strategies, increasing production efficiency, utilizing digital technology for marketing, and improving financial management to encourage sustainable business growth. The method used is a participatory approach through three stages: preparation, implementation, and evaluation, which actively involves partners in the entire process. The results of this activity show an increase in the understanding and skills of business actors in developing business strategies, applying digital marketing techniques, and improving production management. Post-training evaluation shows that the strategies that have been developed are able to help businesses increase production capacity and competitiveness in the market. With this training and mentoring, UM Krecek Krupuk Bu Nor is expected to develop sustainably, improve the quality and quantity of its products, expand its marketing reach, and increase its income.
Measuring Social Impact of The Minhati Scholarship Program: An SROI-Based Evaluation of ZISWAF Fund Distribution at LAZISWAF UNIDA Gontor Wibisono, Vina Fithriana; Zahro', Khurun'in; Jakiyudin, Ahmad Havid; Rafifah, Fairuz Hasna
Journal of Islamic Economic Laws Vol. 8 No. 02 (2025): July
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v8i02.10269

Abstract

LAZISWAF UNIDA Gontor is a progressive ZISWAF waqf institution that supports education through its flagship program, Minhati, which provides scholarships for underprivileged students. Despite the continuous distribution of ZISWAF funds, there has been no comprehensive measurement of the program’s actual impact on its beneficiaries. This raises a critical issue regarding the effectiveness, transparency, and accountability of ZISWAF fund utilization in achieving social and educational outcomes. This study aims to evaluate the effectiveness of the Minhati program by measuring the social value it creates using the Social Return on Investment (SROI) approach. The research method used is qualitative with the SROI approach to assess the program’s social, economic, and environmental impact. Primary data is sourced from the 2023-2024 annual financial report, and data collection involves questionnaires from 29 scholarship recipients by purposive sampling. The results of this study indicate that the SROI value is 1,67, indicating that every Rp 1 invested generates Rp 1.67 in social impact. This demonstrates that the Minhati program significantly enhances students' welfare, benefits their families, and contributes to social and religious affairs.
Kontribusi Warisan Nilai-Nilai Kerajaan Islam Terhadap Pembentukan Pancasila di Nusantara Wulandari, Yunita; Zahro’, Khurun’in; Hidayah, Akmal
Proceedings of Annual Conference for Muslim Scholars Vol 7 No 1 (2023): AnCoMS, Desember 2023
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v7i1.484

Abstract

Pancasila is the Republic of Indonesia's fundamental philosophy. Before entering the colonial period, it formed and molded from many characteristics and influences of the Islamic Kingdom. The rise of the Islamic Kingdom had an impact on the values of Indonesian society. This research focuses on the legacy of Islamic Kingdom values in the establishment of Pancasila in Indonesia. The purpose of this study is to examine the creation of Pancasila through the lens of the Islamic Kingdom's heritage values in the archipelago/Indonesia. This is a qualitative method with a historical study, the data taken from some literature and historical book. As a result, the principles of social life throughout the Islamic Kingdom influenced each precept. There were numerous forms of Pancasila value creation, resulting in a synthesis of the values inherited by the Islamic Kingdom in the formation of the state ideology, namely is Pancasila.
Multi-Service Ijarah Contract for Umrah Financing: Analysis of Its Compliance with DSN-MUI Fatwa Lahuri, Setiawan bin; Jamal, Mulyono; Zahro’, Khurun’in; Nugraheni, Nuriwanda Azizah
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 16 No. 1 (2024)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v16i1.35424

Abstract

Umrah merupakan salah satu ibadah yang membutuhkan biaya yang cukup besar dari masyarakat luar negeri Arab untuk dapat berkunjung ke Makkah. Di Indonesia, terdapat beberapa perusahaan pembiayaan yang menyediakan pembiayaan bagi jamaah umrah. Akan tetapi, prosedur pembiayaan tersebut masih menjadi pertanyaan karena terkait dengan kepatuhannya terhadap syariat Islam. Tulisan ini bertujuan untuk mengkaji tentang pembiayaan umrah yang dijalankan oleh AMITRA FIFGroup dan kepatuhannya terhadap fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Penelitian ini mengungkap bahwaModel pembiayaan tersebut telah sesuai dengan Fatwa DSN-MUI No. 44/DSN-MUI/VIII/2004 tentang Pembiayaan Multijasa. Hal ini terlihat dari penetapan ujrah yang dilakukan AMITRA FIFGroup Indonesia tidak menggunakan persentase melainkan nominal. Selain itu, AMITRA FIFGroup Indonesia tidak menggunakan kafalah, melainkan ijarah multijasa dalam pembiayaan umrah.Abstrak:Umroh adalah jenis ibadah yang membutuhkan dana yang tidak sedikit bagi orang-orang dari luar negara Arab untuk mengunjungi Makkah. Di Indonesia, perusahaan pembiayaan menawarkan pembiayaan untuk jamaah umrah. Namun, prosedur pembiayaan tersebut masih dipertanyakan, karena terkait dengan kepatuhan terhadap syariah. Penelitian ini bertujuan untuk mengkaji pembiayaan umroh yang dioperasikan oleh AMITRA FIFGroup dan kesesuaiannya dengan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Hasil penelitian ini menunjukkan bahwa model pembiayaan tersebut telah sesuai dengan Fatwa DSN-MUI No. 44/DSN-MUI/VIII/2004 tentang Pembiayaan Multijasa. Hal ini dapat dilihat dari penetapan ujrah yang dilakukan oleh AMITRA FIFGroup Indonesia tidak menggunakan persentase tetapi menggunakan nominal. Selain itu, AMITRA FIFGroup Indonesia tidak menggunakan akad kafalah, melainkan ijarah multijasa dalam pembiayaan umroh.
Optimalisasi Pengelolaan Asrama di UNIDA Gontor melalui Pendekatan Participatory Action Research: Optimizing Dormitory Management at UNIDA Gontor through Participatory Action Research Approach Tussifah, Hamidah; Trisnani, Asif; Khakim, Usmanul; Zahro', Khurun'in; Kusuma, Amir Reza
Journal of Community Development and Disaster Management Vol. 7 No. 1 (2025): Journal of Community Development and Disaster Management
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jcd.v7i1.6875

Abstract

Artikel ini membahas pendampingan program asrama di Universitas Darussalam Gontor sebagai bagian dari Program Pengabdian kepada Masyarakat (PkM) tahun 2024. UNIDA Gontor, sebagai universitas pesantren, mengintegrasikan sistem kepesantrenan dalam pendidikan formal, menjadikan asrama sebagai elemen penting. Pendampingan ini bertujuan membantu principal dalam mengelola program asrama secara efektif. Metode yang digunakan adalah Participatory Action Research (PAR), yang mencakup identifikasi, perencanaan, pelaksanaan, evaluasi, dan tindak lanjut. Hasilnya, tersusun 21 program asrama yang mendukung aspek tempat tinggal, interaksi sosial, dan pendidikan mahasiswa. Evaluasi menunjukkan program berjalan dengan baik, meskipun masih ditemukan kendala dalam konseling mahasiswa. Sebagai tindak lanjut, pendampingan akan diperpanjang dan diperluas ke aspek konseling dan teknologi informasi.
Advancing Governance Innovation in Zakat Institutions: A Good Corporate Governance Model for Improving Compliance and Social Impact at LAZISMU, Indonesia Umam, Khoirul; Jamal, Mulyono; Zahro', Khurun'in; Rahmani, Nabilla
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3612

Abstract

Zakat has great potential if managed professionally. However, there are still many zakat institutions that have not been optimal in their management, so that good governance is needed, one of which is the principle of Good Corporate Governance (GCG). The purpose of this research is to find out how the management of zakat funds in the Amil Zakat Muhammadiyah Yogyakarta Special Region (LAZISMU DIY) in Indonesia is based on GCG principles. This research uses a descriptive qualitative method to deepen understanding of the practice of applying the principles of Good Corporate Governance (GCG) in the management of zakat funds at LAZISMU DIY. In collecting data, researchers used the triangulation method and analysed it using the inductive-deductive method to analyse the extent to which the management of zakat funds in LAZISMU DIY is based on GCG principles. The results of this study indicate that the management of zakat funds in LAZISMU DIY has been in accordance with sharia provisions and GCG principles. This is evidenced by the publication of activities and financial reports of the institution in the mass media (transparency); pay attention to the interests of all stakeholders (accountability); comply with applicable regulations (responsibility); no interference from other institutions and fairness (independence); refers to fair treatment of all company stakeholders (justice). Thus, the management of zakat funds in LAZISMU DIY has been in accordance with GCG principles and provides benefits to the community, especially mustahik. Researchers suggest that zakat institutions synergise more to increase public awareness of giving zakat.
PENDAMPINGAN UM SB GALLERY DALAM REVITALISASI USAHA MELALUI PENERAPAN STRATEGI BISNIS YANG EFEKTIF Ditya Cahyanti, Lutfi; Yudi Astuti, Rahma; Zahro', Khurun'in; Umam, Khoirul; Djamaluddin Sanrego, Yulizar
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 12 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i12.%p

Abstract

Kurangnya strategi bisnis yang efektif, manajemen produksi yang tidak efisien, serta keterbatasan pemasaran digital menyebabkan Usaha Mikro (UM) seperti UM SB Gallery sulit meningkatkan daya saing dan pertumbuhan berkelanjutan. Oleh karena itu, diperlukan strategi bisnis yang tepat untuk memastikan produk yang dihasilkan tidak hanya memenuhi permintaan pasar, tetapi juga sesuai dengan standar kualitas yang diinginkan. Model pelaksanaan kegiatan ini adalah dengan pendampingan melalui pelatihan, menggunakan pendekatan partisipatif, yang melibatkan secara aktif para mitra UM SB Gallery dalam tiga tahapan, yaitu tahap persiapan, tahap pelaksanaan dan tahap evaluasi. Program pendampingan ini telah memberikan dampak nyata dalam revitalisasi UM SB Gallery melalui penerapan strategi bisnis yang efektif. Dengan peningkatan kapasitas produksi, penerapan kontrol kualitas, serta optimalisasi pemasaran digital, UM SB Gallery kini lebih siap untuk bersaing di pasar yang lebih luas. Pendampingan yang berkelanjutan diharapkan dapat terus dilaksanakan guna memastikan strategi yang diterapkan berjalan dengan maksimal serta memberikan dampak positif bagi usaha mikro lain yang mengalami kendala serupa.
Co-Authors Akhmad Affandi Mahfudz Amelia, Ishma Anas Ahmadi Anisa Muflikhatul Muna Arief Rahmawan Arizqiya Nurfattah Awalia, Fadhila Tianti Mudi Azzam Al Hanif Daud Sukoco Ditya Cahyanti, Lutfi Eko Nur Cahyo Fadhila Sukur Indra Fajar Satriyawan Wahyudi Hamid Fahmy Zarkasyi Hamidah Tussifah hidayah, akmal Imam Kamaluddin Ishma Amelia Jakiyudin, Ahmad Havid Khoirul Umam Kusuma, Amir Reza Ladjin, Nurjanna Maharani Pradnya Paramita Maritza Putri Nabila Mizan Sul Amalia Latjuba Mohammad Ghozali Mohammad Ghozali, Mohammad Mohammad Syifaurrosyidin Mufti Afif Mufti Afif Muhammad Abdul Aziz Muhammad Bagus Saputro Muhammad Irkham Firdaus Muhammad Reyhan Mulyono Jamal Nia Puji Agustin Nugraheni, Nuriwanda Azizah Nur Suriana Awaludin Nuriwanda Azizah Nugraheni Putri, Nurmalasari Mulia Rafifah, Fairuz Hasna Raharjo, Resdianto Permata Rahmani, Nabilla Roini, Winda Roudhoh Hannaris Said Royyan Ramdhani Djayusman Saputro, M. Bagus Sari, Tryas Titi Siti Nur Adila Suhada Setiawan Sunan Autad Sarjana Syahruddin Syahruddin Syahruddin Trisnani, Asif Usmanul Khakim Vina Fithriana Wibisono Wibowo, Hendri Setiyo Yudi Astuti, Rahma Yulizar Djamaluddin Sanrego, Yulizar Djamaluddin Yunita Wulandari Yunita Wulandari Zulfatus Sa’diah