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TINGKAT LITERASI EKONOMI SYARIAH MAHASISWA DALAM KEGIATAN EKONOMI Suminto, Suminto; Fahmi, Moh Farih; Mutafarida, Binti
JPEKA: Jurnal Pendidikan Ekonomi, Manajemen dan Keuangan Vol 4, No 1 (2020)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jpeka.v4n1.p31-44

Artikel ini akan membahas mengenai pengetahuan, pemahaman, penguasaan mahasiswa tentang ilmu ekonomi syariah, dan apakah sudah diterapkan dengan baik dan benar. Penulisan artikel ini menarik karena ada pembahasan mengenai kaitan pembelajaran ekonomi syariah dikelas dengan implementasi mahasiswa dalam sikap dan perilaku saat melakukan kegiatan ekonomi. Sehingga fokus penelitian ini adalah ada pada keinginan untuk menjawab persoalan yang pertama yaitu, Seberapa baik pemahaman dan pengetahuan ekonomi syariah oleh mahasiswa ekonomi syariah serta sejauh mana kemampuan mahasiswa dalam mengimplementasikan keilmuan ekonomi syariah pada setiap aktivitas ekonominya. Penulisan artikel ini menggunakan metodologi jenis penilitian kualitatif dengan menggunakan pendekatan fenomonenologi. Data ini diperoleh dari hasil wawancara dan observasi yang berasal dari data primer dan skunder. Hasil penelitian ini adalah mahasiswa ekonomi syariah kelas B semester tiga sudah menguasai materi ekonomi syariah dengan baik karena mendapatkan nilai diatas 3.50. kedua, Mahasiswa mampu menggunakan ilmunya dalam hal yang lebih teknis, dan mampu diimplentasikan di kehidupan nyata berdasarkan pengetahuan dan pemahaman mahasiswaKataKunci:Literasi Ekonomi, mahasiswa ekonomi syariah, kegiatan ekonomi

ISLAMIC BANK CUSTOMER LOYALTY: An Analysis of Griffin's Theory and Relevant Research Subagiyo, Rokhmat; Mutafarida, Binti; Nur Asiyah, Binti; Bachtiar, Jusuf; Fauzan, Fauzan
Ulul Albab: Jurnal Studi Islam Vol 23, No 1 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i1.15892

The study discusses the indicator of customer loyalty of Islamic banks according to Griffin's perspective and several relevant studies. The problems solved in this study are 1) what is the indicator of customer loyalty of Islamic banks according to Griffin? 2) what is the indicator of customer loyalty of Islamic banks according to some relevant studies? and 3) how is the comparison of Islamic bank customer loyalty indicators according to Griffin and other relevant studies? Based on the theoretical assumption, a customer is considered loyal if he/she makes regular purchase in a certain time interval. This study utilizes descriptive qualitative research with a library research approach. Deduction and comparative are done in analysis technique. Griffin’s theory focuses on behavioral and attitudinal approach. Meanwhile, other relevant research studies emphasize more on physical things, the availability of banking facilities and infrastructure. They also classified the loyalty into affective, conative, and action loyalty. There is a difference in Griffin’s theory and other studies, that customer loyalty is influenced by maqâsid al-sharî'ah. It means that the customer loyalty is determined by satisfactory level referring to sharia values.

Mekanisme Pasar, Konsep Harga, dan Kebijakan Moneter: Relevansi Isu Terkini dengan Pemikiran Ibnu Taimiyah Baitulloh, Sabit; Yuliani; Mutafarida, Binti
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i3.1619

The Islamic economic system that exists today has actually existed since the time of the Prophet Muhammad SAW. Along with the times came several thinkers and scholars who were critical of economic issues. One of them is Ibn Taymiyyah, he expressed many thoughts about economics, but in this scientific work the author wants to discuss three thoughts of Ibn Taymiyyah, namely the market mechanism, the concept of price, and monetary policy. This scientific work uses a qualitative method with a literature analysis approach in which this research examines events or history and past events that are accumulated and then analyzed. The results of this study prove that the three results of Ibn Taymiyyah's thought centuries ago are still relevant if applied to economic conditions today.

PENGARUH NET OPERATING MARGIN (NOM) DAN FINANCING TO DEPOSIT RATIO (FDR) TERHADAP CAPITAL ADEQUACY RATIO (CAR) PADA BANK UMUM SYARIAH DI INDONESIA Annisa Fitriana, Ika; Fatmawatie, Naning; Mutafarida, Binti
I-Economics Vol 10 No 2 (2024): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v10i2.22840

This research employs a quantitative method with a caisal-comparative design. The population for this study consists of Sharia Commercial Banks registered with the Financial Services Authority, selected through purposive sampling criteria determined by the researcher. The 2018-2022 period was chosen because it represents the most recent years, during which the global economy was impacted by the negative effects of the Covid-19 pandemic. This period saw a weakening of the banking system, particularly affecting Islamic banks in Indonesia. Based on the established criteria, there are 9 Sharia Commercial Banks that meet the researcher’s criteria. The total sample size for this study is 45 data points. The results of the study indicate that, in partial testing Net Operating Margin has an influence on Capital Adequacy Ratio, while Financing To Deposit Ratio does not have an influence Capital Adeqyacy Ratio. Net Operating Margin and Financing To Deposit Ratio collectively contrubute to 23,3% of the influence on Capital Adequacy Ratio, with the remaining 76,7% influenced by variables outside the scope of this study.

Reconciling Standards and Practice: Halal Certification Mentoring in Indonesia’s Self-Declare Program Mutafarida, Binti; Fahmi, Moh Farih; Sariati, Ning Purnama; Sari, Kiki Novita
Robust: Research of Business and Economics Studies Vol 4, No 2 (2024): Volume 4, Nomor 2: Oktober 2024
Publisher : IAIN Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/robust.v4i2.10313

Halal certification is essential for products produced by Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, with government regulations supporting certification through the self-declare system. This study aims to examine the practices and behaviors of halal product mentors in assisting business actors, investigating whether there are deviations from standard procedures and the motivations behind such practices. Using a qualitative descriptive method framed by the Theory of Planned Behavior (TPB), this research provides insights into mentors' actions and decision-making. The findings indicate that (1) mentors often use alternative ingredients in the Si Halal system by inputting similar types under different brands when unregistered ingredients are unavailable; (2) mentors themselves frequently complete fields meant for business actors; and (3) monitoring or site surveys are rarely conducted. These behaviors are motivated by convenience and income targets, with mentors' actions influenced by attitudes, subjective norms, and perceived behavioral control, as outlined in TPB. The study highlights the need for improved regulatory oversight to ensure alignment between certification practices and halal standards.

EFISIENSI BIAYA LAYANAN MELALUI INOVASI KEBIJAKAN BERBASIS TEKNOLOGI DI RUMAH SAKIT MARGONO PURWOKERTO Ningtyas, Trimurti; Minhando, Erys Al Fauzi; Lestari, Asih Widi; Mutafarida, Binti
Journal of Economics and Policy Studies (JEPS) Vol. 2 No. 2 (2021): JEPS: Journal of Economic and Policy Studies
Publisher : UIN Sayyid Ali Rahmatullah

Public policy is the focus of attention in an effort to improve the service quality of public sector organizations. Policy innovation provides an offer for the development of policy studies to continuously improve their quality in order to improve organizational performance. This study aims to identify innovations in health service policies at Margono Hospital so that they can improve the quality of service of the organization. Using qualitative methods with descriptive analysis, this study tries to describe and explain the existence of these policy innovations. As a result, there are five types of innovation, namely process innovation, product innovation, method innovation, system innovation and conceptual innovation. The five innovations provide each progress for improving service performance in hospitals. Margono

Indicators of Sharia-Compliant Hotels as a Strategy for Advancing Halal Tourism in Blitar Raya Farih Fahmi, Moh; Hanif Fajrin, Ahmad; Syaifuddin, Rahmad; Mutafarida, Binti
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.469

Indonesia seeks to establish itself as a leading global destination for inclusive tourism based on Islamic values, one of which is the provision of sharia-compliant hotels, particularly in the Blitar Raya region. Such accommodations have significant potential to attract Muslim travelers who seek comfort and peace aligned with sharia principles. While Muslim-friendly tourism ensures basic amenities—such as prayer spaces and halal food—sharia hotels provide a more comprehensive implementation of Islamic values across all aspects of service and management. This study investigates the urgency of developing sharia-compliant hotels in Blitar Raya as a strategic driver for advancing Muslim-friendly tourism. It also aims to formulate a set of feasibility indicators that align with Islamic principles. Using a qualitative research design, this study adopts a phenomenological approach grounded in the framework of maqāṣid al-sharīʿah to assess both the necessity and criteria for Muslim-friendly hotel development. Findings reveal that while the demand for sharia-compliant hotels in the region is growing, there is no standardized framework to guide their implementation. Therefore, measurable and practical indicators are essential for evaluating hotel readiness and promoting consistent standards. These indicators include physical elements (e.g., halal food, worship facilities) and non-physical factors (e.g., Islamic service ethics, management style, and environment). The study contributes by proposing ten weighted indicators for assessing the suitability of hotels in Blitar Raya for Muslim tourists. This framework serves to enhance service quality, support tourism development, and strengthen Indonesia’s role as a global Muslim-friendly tourism.

PENDEKATAN QUADRUPLE HELIX SEBAGAI ALTERNATIF MANAJEMEN STRATEGIK DALAM TRANSFORMASI LEMBAGA Mutafarida, Binti; Andriani; Fahmi, Moh Farih
JDMP (Jurnal Dinamika Manajemen Pendidikan) Vol. 8 No. 1 (2023): Volume 8, Nomor 1, September 2023
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jdmp.v8n1.p20-31

IAIN Kediri saat ini dalam proses transformasi menjadi UIN. Pada perjalanan proses tersebut membutuhkan strategi yang baik agar memperoleh hasil yang maksimal. Manajemen strategik dalam sebuah organisasi sebagai cara untuk mencapai tujuan organisasi tersebut. Termasuk manajemen strategi bagi IAIN Kediri dalam proses menuju UIN. Salah satu alternatif strategi untuk pengembangan organisasi ialah pendekatan Quadruple Helix. Penelitian ini bertujuan mengkaji manajemen strategik dalam proses transformasi melalui implementasi pendekatan Quadruple Helix. Penelitian ini merupakan penelitian kualitatif deskriptif, dengan studi literatur untuk memperoleh data yang digunakan dalam pembahasan. Hasil penelitian ini menjelaskan bahwa sinergi penerapan Quadruple Helix dalam proses transformasi IAIN Kediri menjadi UIN memerlukan sinergi dari empat aktor. Aktor pemerintah berperan dalam pembuatan regulas yang memudahkan universitas beralih jenjang. Aktor industri perlu bekerjasama untuk pengembangan akademik. Aktor akademisi melalui pengelolaan pelayanan yang baik bagi semua civitas akademik. Aktor masyarakat dalam mendukung proses kegiatan akademik. Melalui sinergi empat aktor tersebut dapat mendukung proses transformasi IAIN Kediri menjadi UIN.

Reconciling Standards and Practice: Halal Certification Mentoring in Indonesia’s Self-Declare Program Mutafarida, Binti; Fahmi, Moh Farih; Sariati, Ning Purnama; Sari, Kiki Novita
Robust: Research of Business and Economics Studies Vol. 4 No. 2 (2024): Oktober 2024
Publisher : IAIN Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/robust.v4i2.10313

Halal certification is essential for products produced by Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, with government regulations supporting certification through the self-declare system. This study aims to examine the practices and behaviors of halal product mentors in assisting business actors, investigating whether there are deviations from standard procedures and the motivations behind such practices. Using a qualitative descriptive method framed by the Theory of Planned Behavior (TPB), this research provides insights into mentors' actions and decision-making. The findings indicate that (1) mentors often use alternative ingredients in the Si Halal system by inputting similar types under different brands when unregistered ingredients are unavailable; (2) mentors themselves frequently complete fields meant for business actors; and (3) monitoring or site surveys are rarely conducted. These behaviors are motivated by convenience and income targets, with mentors' actions influenced by attitudes, subjective norms, and perceived behavioral control, as outlined in TPB. The study highlights the need for improved regulatory oversight to ensure alignment between certification practices and halal standards.

PRINSIP DISTRIBUSI PENDAPATAN PADA PRODUKSI MENURUT ISLAM Yunita, Elza Nikma; Yuliani, Yuliani; Mutafarida, Binti
ISTISMAR Vol. 8 No. 1 (2025): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/istismar.v8i1.5959

Artikel ini membahas prinsip distribusi pendapatan dalam proses produksi menurut perspektif Islam, dengan menekankan pentingnya keadilan sejak tahap awal aktivitas ekonomi. Distribusi dalam ekonomi Islam tidak hanya mencakup redistribusi pasca-produksi, tetapi juga struktur produksi yang adil, melalui larangan riba, penumpukan kekayaan, dan penerapan sistem bagi hasil seperti mudharabah dan musyarakah. Penelitian ini menggunakan pendekatan kualitatif melalui studi pustaka terhadap literatur ekonomi Islam klasik dan kontemporer. Hasil kajian menunjukkan bahwa sistem distribusi Islam mencakup tiga sektor utama rumah tangga, negara, dan industri yang masing-masing memiliki peran penting dalam mendorong keadilan ekonomi dan kesejahteraan masyarakat. Dengan menerapkan nilai-nilai syariah dalam kebijakan dan praktik distribusi, Islam menawarkan solusi sistemik terhadap ketimpangan ekonomi dan membuka jalan bagi terwujudnya struktur ekonomi yang berkeadilan dan berkelanjutan.

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