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All Journal Falah : Jurnal Ekonomi Syariah Dedikasi: Jurnal Pengabdian Masyarakat Tasharruf: Journal Economics and Business of Islam Akademika : Jurnal Pemikiran Islam Millah: Journal of Religious Studies Unisia Maqrizi : Journal of Economics and Islamic Economics Review of Islamic Social Finance and Entrepreneurship JCAIP: Journal of Contemporary Applied Islamic Philanthropy Tapis : Jurnal Penelitian Ilmiah Khazanah Sosial
Telsy Fratama Dewi Samad
Institut Agama Islam Negeri Manado, North Sulawesi, Indonesia
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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IMPLEMENTATION OF NORMATIVE ECONOMY ON BUSINESS ACTIVITY IN THE PERIOD OF RASULULLAH SAW Samad, Telsy Fratama Dewi; Bukido, Rosdalina
AKADEMIKA: Jurnal Pemikiran Islam Vol 26 No 1 (2021)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/akademika.v26i1.3181

Abstract

Nowadays not all entrepreneurs implement the concept of normative economy in conducting their business activity, particularly Muslim entrepreneurs which it relates to Islamic Economic Principle. The purpose of this article is to analyze the implementation of normative economy on business activity in the period of Rasulullah SAW. This article uses qualitative methods with the analysis of literacy study approach. The result of this paper shows that Prophet Muhammad SAW has carried out business activities based on normative economic concepts that emphasize ethics in conducting business. As the Prophet said; I have been sent to perfect the moral standard, narrated by Abu Hurairah. The conclusion of this article is that ethics is a principal aspect in business since according to Islam those economic activities cannot be separated from ethics. Thus, it is essential for Muslim entrepreneur to implement ethics on their business activity.
Pemberdayaan Masyarakat Muslim Kelurahan Kampung Jawa Tomohon dalam Pemahaman Makanan Halal dan Sertifikasi Halal Shadiq Shandimula, Nur; Octavian Tubagus, Sofyan; Fratama Dewi Samad, Telsy; Humairah Arianto, Rafika; Bokingo, Firsa; Sugeng, Anggoro; Kumalahayati, Nur
DEDIKASI: Jurnal Pengabdian Masyarakat Vol 7 No 1 (2025): Dedikasi: Jurnal Pengabdian Masyarakat, Januari-Juni 2025
Publisher : Pusat Pengabdian Masyarakat LPPM IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/1jjt0129

Abstract

Pengabdian ini bertujuan untuk meningkatkan pemahaman masyarakat Muslim di Kelurahan Kampung Jawa, Tomohon, tentang konsep makanan halal dan sertifikasi halal. Metode yang digunakan adalah terjun langsung ke lapangan dengan melakukan penyuluhan, diskusi kelompok, dan wawancara di Masjid Nurul Iman. Tim Pengabdian Masyarakat dari Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Negeri Manado, melakukan survei, diskusi, dan wawancara untuk menggali pemahaman masyarakat sebelum memberikan materi tentang literasi halal dan sertifikasi halal. Hasil wawancara menunjukkan bahwa masyarakat Kampung Jawa Tomohon memiliki pemahaman yang terbatas tentang makanan halal dan sertifikasi halal, yang diperkuat dengan adanya tiga pengusaha yang telah memiliki sertifikasi halal untuk produk makanan mereka. Kegiatan ini memberikan kesempatan bagi masyarakat untuk memperdalam pengetahuan tentang produk makanan halal dan sertifikasi halal, serta memberikan kontribusi positif bagi pengembangan pemahaman tentang makanan halal di tingkat lokal. Dapat disimpulkan bahwa kegiatan ini berhasil meningkatkan kesadaran dan pemahaman masyarakat tentang pentingnya makanan halal dalam kehidupan sehari-hari.. Kata kunci:  halalicious; pangan; sertifikasi halal; pengabdian
Muslim Scholars' Perceptions of Indonesia's New Halal Logo: A Consumer Behavior Perspective Hasan, Jamaludin; Jamal, Ridwan; Samad, Telsy Fratama Dewi; Luntajo, Moh. Muzwir R.
Maqrizi: Journal of Economics and Islamic Economics Vol 5 No 1 (2025): Maqrizi : Journal of Economics and Islamic Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/maqrizi.v5i1.1426

Abstract

The introduction of a new halal logo in Indonesia by the Halal Product Assurance Agency (BPJPH) in 2022 has triggered wide-ranging public responses, particularly from Muslim consumers and stakeholders. This study explores the perceptions of Islamic economics scholars regarding the new halal logo, analyzed through the lens of Muslim consumer behavior theory. Using a descriptive qualitative approach, data were collected through in-depth interviews with eight lecturers from the Faculty of Islamic Economics and Business at the State Institute for Islamic Studies (IAIN) Manado. The findings reveal that five out of eight participants expressed disapproval toward the new logo, citing its aesthetic complexity, lack of clear Islamic symbolism, and cultural partiality—factors they argue diminish recognition and trust among Muslim consumers. Conversely, three respondents supported the redesign, viewing it as a cultural representation of Indonesian identity and a fresh approach to halal branding. The study also uncovers critical reflections on the shift in halal certification authority from the Indonesian Ulema Council (MUI) to BPJPH. This research contributes to the growing body of literature on halal consumer perception and suggests that policy efforts must be accompanied by public education to ensure acceptance and functionality of halal symbols. The results underscore the importance of religious-cultural alignment and visual clarity in halal certification communication strategies.
Charitable Clicks and Financial Frontiers: Analyzing the Interplay of Digital Giving and Inclusive Economics Dewi Samad, Telsy Fratama; Muhaimin Yusof, Ku Abdul
Journal of Contemporary Applied Islamic Philanthropy Vol. 3 No. 1 (2025): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v3i1.88

Abstract

Purpose: This study explores how digital alms-giving serves as a transformative force in advancing financial inclusion within an increasingly digitized economy. Methodology: Through a systematic literature review, the research synthesizes global evidence showing that digital charitable platforms not only expand access to financial services for underserved populations but also enhance financial literacy, foster community resilience, and contribute to macroeconomic growth. Despite facing challenges such as digital inequality, trust issues, and regulatory gaps, digital alms-giving demonstrates high potential to bridge socio-economic disparities by integrating technology with culturally rooted philanthropic values. Findings: The findings offer strategic insights for policymakers, fintech innovators, and philanthropic institutions seeking inclusive financial solutions in line with sustainable development goals, and ultimately conclude that digital alms-giving can be a scalable and sustainable instrument for achieving equitable economic empowerment.
AN ANALYSIS OF ISLAMIC BUSINESS ETHICS AMONG MUSLIM TRADERS WITHIN THE CONTEMPORARY URBAN MUSLIM SOCIETY OF THE CITY OF THOUSAND CHURCHES Samad, Telsy Fratama Dewi; Adi, Chairul
AKADEMIKA: Jurnal Pemikiran Islam Vol 30 No 1 (2025)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/akademika.v30i1.9981

Abstract

Islam recognizes the urge to engage in commercial operations and does not forbid such activities; in fact, business activities can be an element of worship if done according to Islamic code of ethics.  This principle becomes particularly relevant in analyzing the business practices of Muslim traders within the contemporary urban Muslim society of the City of Thousand Churches. The purpose of this article is to meticulously map the business practices of urban Muslim traders in the city of a thousand churches, using Rafik Issa Beekun's theory of Islamic business ethics, as well as theory indicators such as unity, equilibrium, freewill, responsibility, and benevolence. This study used a descriptive qualitative method with a phenomenological approach. A total of six informants, consisting of four women and two men who are Muslim traders in urban Manado, were selected to provide in-depth information based on their business experiences within the predominantly non-Muslim society. The data collected from these interviews were analyzed using the framework of Islamic business ethics to explore the ethical practices applied by these traders. The findings of this study demonstrate that practically all informants who operate as traders in the Urban Manado area met the five markers of Islamic business ethics theory. Although two traders' practices do not match the Free Will indicator, this has no substantial impact because they can still be improved through socialization. It may be inferred that, despite the fact that Muslim traders reside in a minority area, trade practices consistent with Islamic business ethics are nonetheless widely practiced by traders in Manado's urban centre, known as the city of a thousand churches.
Pemahaman Mahasiswa IAIN Manado Ekonomi Syariah terhadap Kewirausahaan Islami Sunusi, Zhafira Ramadhana; Nagauleng, Andi Mukarramah; Samad, Telsy Fratama Dewi
Maqrizi: Journal of Economics and Islamic Economics Vol 4 No 1 (2024): Maqrizi : Journal of Economics and Islamic Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/maqrizi.v4i1.963

Abstract

Penelitian ini bertujuan untuk menganalisis pemahaman mahasiswa Ekonomi Syariah terhadap konsep Islamic Entrepreneurship. Fokus penelitian ini adalah mahasiswa Fakultas Ekonomi dan Bisnis Islam di IAIN Manado. Metodologi yang digunakan adalah pendekatan kualitatif dengan teknik pengumpulan data melalui wawancara mendalam, observasi, dan kuesioner. Hasil penelitian menunjukkan bahwa sebagian besar mahasiswa memiliki pengetahuan dasar yang baik tentang prinsip-prinsip kewirausahaan Islami, seperti kejujuran, keadilan, dan tanggung jawab sosial. Namun, implementasi praktis dari konsep-konsep ini dalam aktivitas kewirausahaan masih kurang optimal. Hambatan utama yang diidentifikasi meliputi kurangnya pengalaman praktis, keterbatasan akses terhadap modal, dan minimnya pelatihan kewirausahaan yang berbasis syariah. Penelitian ini menyarankan perlunya peningkatan kurikulum yang lebih aplikatif dan adanya program inkubator bisnis Islami untuk mendukung pengembangan keterampilan kewirausahaan mahasiswa. Dengan pemahaman yang lebih mendalam dan dukungan praktis yang memadai, mahasiswa diharapkan dapat menjadi pengusaha yang tidak hanya sukses secara ekonomi, tetapi juga berkontribusi positif terhadap masyarakat sesuai dengan nilai-nilai Islam.
HALAL CUISINE PREFERENCES IN URBAN AREAS WITH MUSLIM MINORITY: A CASE RESEARCH OF MANADO Samad, Telsy Fratama Dewi; Sugeng, Anggoro; Ayub, Talha; Taufani, Taufani
AKADEMIKA: Jurnal Pemikiran Islam Vol 27 No 2 (2022)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/akademika.v27i2.5746

Abstract

The phenomenon of halal cuisine is gaining prominence not only within Muslim communities but also in non-Muslim region. Therefore, this research aimed to explain the phenomenon of halal cuisine in Muslim minority region of Manado, North Sulawesi, Indonesia. Using a qualitative research design with a case research method, interviews were conducted with five Muslim merchants to gather pertinent information. The results showed the presence of Muslim merchants selling halal cuisine in Manado, despite it being Muslim minority area. Merchants expressed confidence in the potential development of halal cuisine in the region. Additionally, the use of halal signs (logo) by Muslim merchants served to assure customers of halal status of their products. It was also observed that both Muslim and non-Muslim customers patronized the merchants, showing a broad appeal for halal cuisine. In conclusion, despite Manado being recognized as a Muslim minority region, Muslim merchants played a significant role in promoting their halal cuisine within the region.
The Prohibition of Usury in Islamic Economic Viewpoint Samad, Telsy Fratama Dewi; Sugeng, Anggoro
Tapis: Jurnal Penelitian Ilmiah Vol 6 No 1 (2022): Tapis : Jurnal Penelitian Ilmiah
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat of Universitas Islam Negeri Jurai Siwo Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/tapis.v6i1.4635

Abstract

Usury is a praxis, which can cause economic disruption. Many intellectuals in the field of economics, philosophers, and religious experts have discussed this case globally. This study aims to describe the concept of Usury and how Islamic Economics view usury’s praxis, which will be described in this paper according to Quran and Hadith statements. The method used in this research is a qualitative method by conducting library research using books, journals, articles, the Holy Qur’an, and Sunnah as a source of references. The result found that Usury is prohibited in Islam because of the economic effect caused by usury praxis. There are many sources in the Quran and Hadith that can be used as references concerning the prohibition of Usury. Thus, it can be concluded that the Muslim people should follow and perform what had been stated in Quran as a guideline for living according to Islamic principles.
Implementation of Islamic Business Ethics in Brown Sugar Production Chain in West Otam Village, North Sulawesi Mokodompit, Farras Azizah; Samad, Telsy Fratama Dewi; Niu, Fitria Ayu Lestari; Sumendap, Priscilia Christina
Maqrizi: Journal of Economics and Islamic Economics Vol 5 No 2 (2025): Maqrizi : Journal of Economics and Islamic Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/maqrizi.v5i2.1801

Abstract

This study aims to analyze the implementation of Islamic business ethics principles in the production practices and transactions of buying and selling brown sugar in West Otam Village and its implications on the sustainability of producers' income. The research uses a qualitative method with a field study approach. Data were collected through participatory observation, semistructured interviews with producers, collectors, and consumers, and documentation, then analyzed using Miles and Huberman's interactive model with source triangulation techniques and techniques. The results of the study show that the economic practices of the people of West Otam Village have substantively reflected the main values of Islamic business ethics, especially honesty (shiddiq), mutual willingness (an-tarāḍin), and responsibility (mas'uliyah), even though the business actors do not understand these concepts formally. The heavy inconsistency of the product due to the use of traditional molds does not give rise to the element of gharar in a substantive way because it is mitigated through information disclosure and agreement between the manufacturer and the buyer. The quality integrity of products without chemical mixtures is proven to build consumer trust and loyalty, which contributes to the stability of producers' income. However, the study also found that some small producers have some bargaining position against collectors, indicating that distributive justice is not optimal. This study concludes that Islamic business ethics not only function as a normative guideline, but also as a rational economic strategy in supporting the sustainability of rural micro business income. Therefore, this study recommends strengthening sharia-based local economic institutions as well as simple standardization of production tools to improve the justice and economic sustainability of the community.
The Peer-to-Peer Lending Phenomenon: A Review from Islamic Economic Perspective Telsy Fratama Dewi Samad; Rosdalina Bukido
Khazanah Sosial Vol. 4 No. 1 (2022): Khazanah Sosial Vol 4, No 1 April 2022
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v4i1.16747

Abstract

This paper aims to describe P2P lending from the viewpoint of Islamic economics as well as enclose the illegal p2p lending phenomenon in Indonesia, and the emergence of p2p lending in Europe and China. This research used a qualitative method, while the data obtained through literature review, and the analysis technic used in this research is descriptive analysis. This paper depicts the issues of p2p lending in global cases and the illegal p2p lending that occurred in Indonesia. The result of this paper disclosed that recently the cases of illegal p2p lending in Indonesia have increased. Albeit the p2p lending provides mashallah concerning to the convenience that it serves to society to obtain loans easily, on the other hand, few perpetrators exploit this media by conducting fraud due to the transaction. Thus, based on the Islamic Economic viewpoint, p2p lending is allowed if only following the principles of Islamic economics and cause no harm to anyone who gets involved in the transaction. Furthermore, Otoritas Jasa Keuangan in Indonesia has guaranteed some p2p lending legal companies which are operating based on Islamic principles. We concluded that, in Islam, it is allowed to conduct p2p lending transactions by using shariah legal p2p lending provided by Otoritas Jasa Keuangan (OJK).
Co-Authors Adi, Chairul Ahmad Azrin Bin Adnan Ahmad Saifulloh Anggoro Sugeng Ayub, Talha Bokingo, Firsa Bukido, Rosdalina Fitria Ayu Lestari Niu Hasan, Jamaludin Hassan Shakeel Shah Humairah Arianto, Rafika Jamal, Ridwan Kumalahayati, Nur Luntajo, Moh. Muzwir R. Mokodompit, Farras Azizah Muhaimin Yusof, Ku Abdul Nagauleng, Andi Mukarramah Nugraha Hasan Octavian Tubagus, Sofyan Priscilia Christina Sumendap, Priscilia Christina Ridwan Tabe Rosdalina Bukido Rosdalina Bukido Satriani Satriani Shadiq Shandimula, Nur Suci Indriani Sarka Sunusi, Zhafira Ramadhana Talha Ayub Taufani Taufani Taufani, Taufani