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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Media Mahardhika Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmiah Edunomika (JIE) El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Jurnal Islam Nusantara Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Manajemen Dan Bisnis Ekonomi Journal of Educational Management Research RESLAJ: Religion Education Social Laa Roiba Journal Jurnal Keadaban: Jurnal Sosial dan Humaniora
Ghufron, Moh Idil
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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IMPLEMENTASI AKAD RAHN PADA PRODUK PEMBIAYAAN MULTI GUNA BERKAH: KONSTRIBUSI TERHADAP PENINGKATAN KESEJAHTERAAN MASYARAKAT Hajar Shaleha, Siti; Idil Ghufron, Moh.
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 6 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i6.2852

Abstract

This study examines the implementation of the rahn contract in the Multiguna Berkah Financing program at BMT NU Wonosari and its impact on community welfare. The rahn contract, a collateral-based financing scheme grounded in Sharia principles, offers a financial solution for people needing capital access. However, challenges remain, such as limited public understanding and the effectiveness of the contract mechanism in improving customers’ welfare. This research uses a qualitative descriptive approach, collecting data through in-depth interviews, observations, and documentation. Data analysis follows the Miles and Huberman model, including data reduction, data display, and conclusion drawing. Data validity is strengthened by triangulating sources and methods. The results show that the implementation of the rahn contract at BMT NU Wonosari significantly benefits the community by expanding access to flexible and fair Sharia financing. Customers experience improved economic welfare through easier capital access and more stable business management. Nevertheless, low Sharia financial literacy and administrative challenges in managing collateral remain key obstacles. Therefore, it is necessary to optimize rahn contract socialization and adopt more adaptive policies to ensure wider and sustainable benefits of this financing scheme.
The Application of Sharia Economic Principles: A Perspective on Educational Management in Community Skill Development Ghufron, Moh. Idil; Vernanda, Zhely
Journal of Educational Management Research Vol. 4 No. 4 (2025)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v4i4.1126

Abstract

This study aims to explore the application of Sharia economic principles in fish besek craft production in Bukor Village, to improve product quality, competitiveness, and the well-being of craftsmen. The implementation of Sharia economics, emphasizing justice, transparency, and blessings, can enhance product competitiveness. The research uses a qualitative phenomenological approach, involving interviews, observations, and documentation. Data analysis was performed using Miles and Huberman’s technique and SWOT matrix. The findings show that besek production emphasizes honesty and environmental friendliness, with strengths in local values and high market opportunities, but facing challenges in capital, innovation, and regeneration. This study suggests empowering traditional MSMEs through Sharia economics and contributes to the development of local community-based economic literature. Implications for educational management include the importance of developing Sharia economics-based skills in entrepreneurship curricula to empower communities and create sustainable jobs.
Analisis Performa Layanan Karyawan BMT NU Cabang Kota Kraksaan Probolinggo Terhadap Loyalitas Nasabah Saifuddin, Saifuddin; Moh. Idil Ghufron; Tarwiyadi
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 7 (2024): RESLAJ: Religion Education Social Laa Roiba Journal 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i7.3722

Abstract

BMT NU Branch of the city of Kraksaan Probolinggo is a Syrian financial institution that is one of the containers to empower the poor. There is one role that can support success in the banking sector, and that is to offer quality service by improving the service performance of employees who are good, friendly, and polite, which can increase customer loyalty. This study aims to describe the results of the analysis based on the focus of the researchers, namely (1) the role of BMT NU Branch Kraksaan in meeting the needs of the community and (2) the service performance of BMT NU Branch Kraksaan City in improving customer loyalty. This research is field research with a qualitative approach, data collection with the results of interviews, documentation, data analysis techniques starting with data verification and using triangulation of data sources, as well as a series of data analyses. The results of this research are the first: with the existence of the BMT NU branch in the city of Kraksaan, the economy of the people in Kraksaan district has undergone a fairly good change. And with the presence of BMT Nu Branch, the people feel like they have a vision of their future because they are beginning to learn to save for it. The second service performance is a sticker so that customers more trust BMT NU Branch of Kraksaan as well as the opposite, efforts in shaping customer loyalty (1) create performance and quality of service that is trustworthy and professional; (2) create transparency or openness in the development of product marketing..
Utilization of Zakah Application as Zakah Management Innovation to Increase Zakah Potential Tsauri, Shafwan; Ghufron, Moh. Idil
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 11 No. 1 (2021): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2021.11.1.33-48

Abstract

This study wants to reveal how the BAZNAS zak?h application makes it easier for Muzakki to pay zak?h and the extent to which the effectiveness makes Muzakki fulfill their zak?h obligations. By using a qualitative approach, this research data comes from primary and secondary data. Researchers obtained primary data by conducting interviews with related parties such as the District BAZNAS and related parties. Meanwhile, secondary data is obtained by researchers from various literatures such as books, research journals, final academic assignments, and others related to this research, which can complement existing problems. The results of this study revealed that in 2017, the zak?h received by BAZNAS (Institutions that manage zak?h nationally) was IDR 6,224,371,269,471. After the payment of zak?h through this online zak?h application, the receipt of zak?h received by BAZNAS reached Rp 8,117,597,683,267, indicating that this application zak?h has become a tangible medium in increasing awareness of Muzakki for doing a zak?h. Keywords: Zak?h Online; Zak?h Application; Optimization of Zak?h Payments   Abstrak: Penelitian ini ingin mengungkap bagaimana aplikasi zakat BAZNAS dalam memudahkan Muzakki membayar zakat dan sejauh mana efektifitas aplikasi ini menyadarkan para Muzakki menunaikan kewajiban zakatnya. Dengan menggunakan pendekatan kualitatif, data penelitian ini bersumber dari data primer dan sekunder. Data primer didapat oleh peneliti dengan melakukan wawancara pada pihak terkait seperti BAZNAS Kabupaten dan pihak-pihak terkait. Sedangkan data sekunder didapat dari berbagai literatur seperti buku, jurnal – jurnal penelitian, tugas akhir akademik dan lainnya yang berhubungan dengan penelitian ini yang dapat digunakan dalam melengkapi permasalahan yang ada. Hasil dari penelitian ini mengungkapkan bahwa sebelum ada aplikasi pembayaran akat online pada tahun 2017, zakat yang diterima oleh BAZNAS adalah sebesar Rp 6,224,371,269,471. Setelah diadakannya pembayaran zakat melalui aplikasi zakat online, penerimaan zakat yang diterima oleh BAZNAS mencapai Rp 8,117,597,683,267. Hal demikian mengindikasikan bahwa aplikasi zakat ini telah menjadi media kongkrit dalam meningkatkan kesadaran berzakat para Muzakki. Kata Kunci: Zakat Online; Aplikasi Zakat; Optimalisasi Pembayaran Zakat
Implementasi Pemberdayaan Zakat Dalam Membangun Ekonomi Umat Perspektif Keuangan Publik Syariah Ghufron, Moh. Idil
KEADABAN: Jurnal Sosial dan Humaniora Vol 3, No 2 (2022)
Publisher : Fakultas Sosial dan Humaniora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/adab.v3i2.3605

Abstract

Pemikiran ekonomi islam melengkapi karya para fuqaha terdahulu tentang keuangan publik syari’ah. Khususnya hal yang menyangkut segala kekayaan publik yang dapat dikelola oleh negara. Menurutnya zakat sebagai sumber keuangan publik memainkan peran khusus dalam membangun ekonomi umat. Konsepsi keunikan zakat dalam pemberdayaannya hanya diwajibkan bagi kaum Muslim dan juga didistribusikan hanya kepada Muslim saja tanpa mengikuti keperluan negara seperti yang terjadi pada harta pajak. Karakteristik lain adalah orang yang berhak menerima zakat dibatasi hanya bagi kelompok-kelompok yang disebutkan dalam nash al-Qur’an sehingga pemerintah tidak berhak memperluasnya kepada kelompok-kelompok lain. Di sisi lain, dengan adanya pemberdayaan zakat, orang yang kaya akan menyisihkan Sebagian hartanya untuk orang yang tidak mampu, agar memberi kesempatan kepada mereka untuk dapat melakukan produksi sehingga umat yang lain pun dapat meningkatkan ekonominya dengan modal zakat yang telah diterima uang nantinya tujuan adanya zakat untuk mewujudkan peningkatan ekonomi umat dapat tercapai.
PENGARUH PELATIHAN PENGEMBANGAN USAHA KULINER TERHADAP PERTUMBUHAN EKONOMI KREATIF Fahrudin, Fahrudin; Sunarsih, Sunarsih; Ghufron, Moh. Idil
KEADABAN: Jurnal Sosial dan Humaniora Vol 5, No 1 (2023)
Publisher : Fakultas Sosial dan Humaniora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/adab.v5i1.6486

Abstract

Abstract: The term creative economy was first introduced by John Howkins in 2001. Starting in 1997, at that time John Howkins realized there was a change in the economic industry based on people's creativity. The creative economy in the digital era is currently growing, besides offering opportunities, it also creates competition. In Situbondo Regency, the culinary world and its actors receive special attention in facing competition. One of the steps taken by the Tourism, Youth and Sports Service is to hold culinary business development training. So the authors are interested in conducting this research which aims to find out how training in culinary development influences creative economic growth. This study uses quantitative methods with simple linear regression analysis. Data collection through observation, questionnaires and documentation. Questionnaires were distributed to 40 culinary business development training participants. Based on the results of the t test, the t count value is 2.209 > t table 2.024, so it can be concluded that culinary business development training has a positive effect on creative economic growth in Situbondo Regency. Meanwhile, based on the results of the R2  test analysis, it shows that the r square value is 0.486, which means that culinary business development training has an effect on creative economic growth of 48.6% and the remaining 51.4% is influenced by other variables outside of this study. Keywords: Training, Culinary Business Development, Creative Economy
Implementasi Prinsip Prudential Banking Pada Tabungan Easy Mudharabah Untuk Meningkatkan Kepercayaan Nasabah (Studi Kasus Bank Syariah Indonesia Kc Probolinggo) Ghufron, Moh. Idil; Saifuddin, Saifuddin; Febrianto, Achmad; Amalia, Jui; Hamzah, Muh
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.13719

Abstract

Pentingnya implementasi prinsip prudential dalam industry perbankan tidak dapat dipandang remeh, terutama dalam konteks produk tabungan. Penelitian ini membahas Upaya implementasi prinsip prudential banking pada produk tabungan easy mudharabah dengan tujuan meningkatkan kepercayaan nasabah. Prinsip prudential, yang mencakup pengelolaan risiko, kepatuhan, dan transparansi, dianggap sebagai fondasi yang krusial dalam memastikan kestabilan sector perbankan. Tabungan easy mudharabah, sebagai produk berbasis prinsip ekonomi islam, menawarkan pendekatan berbagi keuntungan dan kerugian antara bank dan nasabah. Oleh karena itu, diperlukan penerapan prinsip prudential untuk memitigasi risiko yang mungkin timbul akibat fluktuasi pasar atau perubahan kondisi ekonomi. Kepercayaan nasabah, sebagai elemen utama dalam hubungan perbankan, menjadi focus utama dalam penelitian ini. Dengan mengintegrasikan prinsip prudential banking pada tabungan easy mudharabah, diharapkan dapat memperkuat dasar kepercayaan nasabah terhadap produk ini. Ketersediaan informasi yang jelas dan akurat mengenai kebijakan perbankan, manajemen risiko yang baik, dan kepatuhan terhadap prinsip-prinsip ekonomi islam dapat menciptakan lingkungan yang lebih transparan dan dapat diandalkan nasabah. Penelitian ini bertujuan untuk mengkaji implementasi prinsip-prinsip prudential banking pada produk tabungan easy mudharabah dengan focus pada peningkatan kepercayaan nasabah. Dalam menghadapi kompleksitas lingkungan perbankan syariah, penelitian ini menggunakan metode deskriptif dengan pendekatan kualitatif untuk memberikan pemahaman mendalam tentang bagaimana prinsip-prinsip tersebut diterapkan dan dampaknya terhadap kepercayaan nasabah. Penelitian ini bertujuan untuk memahami sejauh mana prinsip-prinsip tesebut dapat memberikan keuntungan dan membangun kepercayaan nasabah terhadap produk tabungan berbasis mudharabah. Penelitian ini memberikan pandangan holistic tentang bagaimana penerapan prinsip-prinsip prudential banking dapat menjadi pendorong penting dapat meningkatkan kepercayaan nasabah terhadap produk tabungan easy mudharabah, sementara juga memberikan kontribusi pada pengembangan praktik keuangan islam yang lebih inklusif dan berkelanjutan.
Analisis Baitul Maal Wat Tamwil (BMT) Perspektif Al- Qur’an Mohammad Idil Ghufron; Rohma Dewi
JURNAL PROFIT Vol 7, No 2 (2023): Economic Building
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v7i2.7195

Abstract

This study intends to analyze aspects of baitul maal wat tamwil (bmt) from the perspective of the Koran. This study uses qualitative research. The type of data in this research uses secondary data sourced from the Qur'an, Hadith, books, and journals as references. The development carried out is to modify the BMT that researches in the field to become BMT according to the perspective of the Koran. Another development is that we know each of the differences between the BMT in the field and the word of God. The next development is to determine whether BMT has been explained in the Qur'an or not. Other developments also add knowledge constructs about Islamic banking to conventional banks. This study has a qualitative approach. Determining the number of samples in this study adjusted to the snowball sampling technique. The data collection technique in this study was the technique of taking data sources, which at first were small in number and then enlarged. This was because the small data sources had not been able to provide satisfactory data, so looking for other informants who were used as data sources.
Implementasi ESG sebagai Instrumen Keberlanjutan Koperasi Konsumen dalam Perspektif Ekonomi Syariah Indah Nofita Sari; Romzatul Widad; Moh. Idil Ghufron
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 4 No. 3 (2026): Juli: JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v4i3.4281

Abstract

This study examines the implementation of Environmental, Social, and Governance (ESG) principles as a sustainability instrument for consumer cooperatives from the perspective of Islamic economics. Consumer cooperatives, as people-based economic institutions, face significant challenges in maintaining sustainability amid rapid economic transformation and increasing demands for corporate accountability. ESG, as a global framework for measuring sustainability performance, is considered relevant to the values of Islamic economics which emphasize justice, transparency, social benefit, and environmental responsibility. This research uses a qualitative approach through literature study and document analysis to formulate a conceptual model of ESG implementation in consumer cooperatives based on Islamic economic principles. The findings show that ESG dimensions are in line with maqashid al-syariah, namely the protection of religion, life, intellect, lineage, and property. Environmental aspects correlate with the stewardship principle of khalifah fil ardh, while social aspects align with the concept of takaful ijtima’i, and governance reflects the values of amanah and shura. This study offers a conceptual framework for integrating ESG within the cooperative institutional governance system as a strategic step toward sustainable and equitable economic development.
Co-Authors Amalia, Jui Fahmiyah, Inas Fahrudin Fahrudin Febrianto, Achmad Hajar Shaleha, Siti Indah Nofita Sari Irtifah, Irtifah Melati, Ihdina Ida Muh Hamzah, Muh Muhammad Ali Akbar Munawwaroh, Fadilatul Nikma, Raudatun Rohma Dewi Romzatul Widad Saifuddin Saifuddin Sunarsih Sunarsih Suwaibatul Aslamiyah, Suwaibatul Tarwiyadi Tsauri, Shafwan Vernanda, Zhely Warisa, Ummi Zainollah, Mohammad