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All Journal Laa Maisyir Jurnal Ekonomi Islam Perisai : Islamic Banking and Finance Journal BISEI: Jurnal Bisnis dan Ekonomi Islam EKONOMI BISNIS Jurnal Ilmiah Satyagraha Jurnal Bisnis, Manajemen, dan Ekonomi El-Qish: Journal of Islamic Economics Jurnal Muamalat Indonesia IIJSE An-Nisbah: Jurnal Ekonomi Syariah Gandhi: Jurnal pengabdian kepada Masyarakat (G-JPM)
Ulfah, Indar Fauziah
Prodi Ekonomi Syariah, Fakultas Ekonomi Dan Bisnis, Universitas Terbuka
Religion Humanities Economics, Econometrics & Finance Environmental Science Social Sciences

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Analisis Akad Istishna dalam Praktik Jual Beli Online Ulfah, Indar Fauziah
JURNAL MUAMALAT INDONESIA - JMI Vol 5, No 2 (2025): Jurnal Muamalat Indonesia
Publisher : FAKULTAS EKONOMI DAN BISNIS UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jmi.v5i2.98185

Abstract

Akad istishna sering digunakan dalam transaksi berbasis pesanan, seperti pembuatan barang manufaktur atau konstruksi. Namun dalam penerapannya akad istishna sering terkendala. Tantangannya meliputi ketidaksesuaian praktik e-commerce dengan syarat syariah, seperti transparansi dan kepatuhan aturan. Penelitian ini menggunakan metode studi literatur dengan pendekatan kualitatif deskriptif yang menghimpun data dari berbagai referensi, seperti buku, jurnal, artikel ilmiah, dan penelitian sebelumnya. Fokus tujuan penelitian ini untuk menganalisis pola pelaksanaan jual beli di berbagai platform e-commerce serta tantangan yang muncul dalam penerapannya. Hasil penelitian menunjukkan bahwa banyak transaksi online yang mirip dengan akad istishna belum sepenuhnya sesuai dengan prinsip syariah. Faktor utama yang mempengaruhi hal ini adalah rendahnya pemahaman tentang syariah di antara pelaku e-commerce dan kurangnya pengawasan dalam penerapan akad tersebut. Sehingga diperlukan langkah lebih lanjut, dengan penelitian lebih mendalam dan edukasi untuk memperkuat serta meningkatkan pemahaman implementasi akad istishna dalam praktik transaksi online.
The Potential of Municipal Sukuk Issuance in Indonesia - A Review of Theoretical Research: Potensi Penerbitan Sukuk Daerah di Indonesia - Tinjauan Penelitian Teoritis Ulfah, Indar Fauziah
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1664

Abstract

The main objective of this study is to provide local authorities with municipal Sukuk as an alternative to financing local infrastructure and developing areas. This study reviews the previous literature examining contemporary municipal sukuk and Discussed issues related to restrictions on the issuance of municipal sukuk. The research shows that the barriers to municipal Sukuk issuance are: Regional Barriers, Credit risk, Political Risk, Credit Weakness among stakeholders, Lack of through understanding of Shariah and financing and implementation. It was an exploratory study and aimed to identify barriers to becoming municipal bonds. Blocks of municipal Sukuk are listed from all possible sources. The study proposes some practical ways to overcome the obstacles to the provision of municipal sukuk in order to promote more municipal sukuk in various regions of the country to support sustainable development through equitable infrastructure distribution.
Pilgrimage Tourism to Wali Tombs and Halal Destination Management Based on Sharia Values: Wisata Ziarah Wali dan Pengelolaan Destinasi Halal Berbasis Religius Kusumaningtyas, Menur; Ulfah, Indar Fauziah; Latifah, Fitri Nur; Putranto, Johni Harius
Perisai : Islamic Banking and Finance Journal Vol. 8 No. 2 (2024): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i2.1747

Abstract

This study explores the relationship between pilgrimage tourism to Wali tombs and halal tourism, focusing on the integration of Sharia values in the management of religious destinations. In the context of East Java, this research examines the application of Sharia principles by site managers to maintain the sanctity and integrity of the sites, as well as its impact on the experience of Muslim tourists. The study uses a qualitative approach with a case study method. Data were collected through in-depth interviews with site managers, tourists, and local communities, along with direct field observations. The findings show that the application of Sharia management in site operations not only enhances tourist satisfaction but also strengthens the local economy and cultural preservation. However, the study also found a lack of understanding of Sharia values among some site managers. This research provides recommendations for site managers to create tourist destinations aligned with Sharia principles, supporting the growth of halal tourism in Indonesia. It is hoped that the results of this study can serve as a reference for developing policies on sustainable and responsible religious tourism.This study has several limitations, including the geographical scope limited to East Java and restricted access to all pilgrimage site managers. Therefore, the findings cannot be generalized to all religious tourism destinations in Indonesia. Further research covering a broader area is recommended to enrich the findings.
Study of Herbal Product Sales form A Digital Marketing Perspective (Case Study of PT Ebliethos Digital Indonesia) Ulfah, Indar Fauziah; Haspitasari, Selvia
Jurnal Bisnis, Manajemen, dan Ekonomi Vol. 5 No. 3 (2024): Jurnal Bisnis, Manajemen dan Ekonomi
Publisher : Training & Research Institute - Jeramba Ilmu Sukses

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/jbme.v5i3.1857

Abstract

Currently, selling herbal products has become an alternative for the public due to their low price, known efficacious compositions, and availability in several marketplaces without needing a doctor's prescription. This research aims to explain the digital marketing mechanism for selling herbal products at PT Ebliethos Digital Indonesia. The study was conducted to understand the impact of digital marketing on sales of herbal products at PT Ebliethos Digital Indonesia. The research method used in this case study is descriptive qualitative, describing the discussion based on the problem formulation in research, drawing from scientific studies sourced from company data, books, journals, and other scientific media. The research results indicate that digital marketing is the best alternative for companies; it helps reach a broader target market, ensures safer product sales, and reduces expenses and operational costs. This safety and cost-effectiveness of digital marketing in selling herbal products positively impacts the company, leading to an increase in turnover from year to year
Bank Syariah Indonesia’s Strategy Increases Sharia Financial Literacy to Optimize Public Interest in Sharia Bank Products Sugiarti, Dian; Ulfah, Indar Fauziah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4390

Abstract

This research aims to determine the strategy of Bank Syariah Indonesia (BSI) in increasing the community's Sharia financial literacy and implementing POJK Number 3 of 2023, as well as analyzing the influence of Sharia financial literacy on public interest in Sharia banking products. This research uses qualitative descriptive methods through interviews to identify Bank Syariah Indonesia's strategy for increasing Sharia financial literacy and uses quantitative methods to measure the level of Sharia financial literacy of the community and their interest in Sharia banking products. The respondents in this research were MSMEs with a total of 50 respondents. Then the data was analyzed using regression analysis. The results of this research show that Bank Syariah Indonesia is implementing several strategies to increase Sharia financial literacy, such as collaborating with educational institutions, government institutions, and associations, and through the BSI benefit program. Bank Syariah Indonesia's implementation of sharia financial literacy is following POJK Number 3 of 2023, namely through financial education and the development of sharia financial literacy infrastructure. Islamic financial literacy has a significant positive influence on interest in Islamic banking products.
Manajemen Strategi Inovasi dan Pemasaran dalam Meningkatkan Produk Unggulan Daerah di Kampung Tematik Opak Angin Tangerang Ulfah, Indar Fauziah; Yetmi, Yosi Safri; Novita, Diana
Gandhi: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 1 (2024)
Publisher : Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/g-jpm.v1i1.7800

Abstract

Kampung Tematik Opak Angin di Tangerang telah menjadi fokus utama dalam pengembangan produk unggulan daerah. Artikel ini menyajikan sebuah kerangka kerja yang mengintegrasikan manajemen strategi inovasi dan pemasaran untuk meningkatkan produk unggulan di kawasan ini. Penelitian ini bertujuan untuk menganalisis bagaimana manajemen strategi inovasi dan pemasaran dapat secara efektif memperkuat posisi produk unggulan daerah dalam pasar yang semakin kompetitif. Pendekatan kualitatif digunakan dalam studi ini, dengan melakukan wawancara mendalam dan observasi langsung di Kampung Tematik Opak Angin. Hasil analisis menunjukkan bahwa manajemen strategi inovasi yang terintegrasi dengan strategi pemasaran yang efektif dapat meningkatkan daya saing produk unggulan daerah. Faktor-faktor seperti identifikasi kebutuhan pasar, pengembangan produk berbasis kebutuhan, penerapan teknologi inovatif, dan pemasaran yang tepat sasaran menjadi kunci keberhasilan dalam meningkatkan produk unggulan daerah. Artikel ini memberikan panduan praktis bagi pemerintah daerah, pelaku usaha, dan pemangku kepentingan lainnya untuk mengimplementasikan strategi inovasi dan pemasaran yang efektif dalam meningkatkan produk unggulan daerah. Dengan demikian, Kampung Tematik Opak Angin dapat menjadi contoh sukses dalam pengembangan produk unggulan daerah yang dapat bersaing di pasar global.
Peningkatan Literasi Keuangan terhadap Siswa/i SMA IT Pesantren Nururrahman Depok Murti Dewi Widowati Hermajiwandini, Chandra; Suhartono, Suhartono; Febrianti, Rini; Pradana, Hasta Dwi; Ulfah, Indar Fauziah
Gandhi: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 1 (2024)
Publisher : Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/g-jpm.v1i1.7824

Abstract

The rapid development of financial literacy is due to the presence of digital technology, which enables people from all walks of life to access various financial services. Although the financial regulator, OJK, has imposed strict age restrictions and requirements for accessing these financial facilities, many members of the general public, especially students, neglect the requirements when accessing financial services, leading to a phenomenon where many students or university students become entangled in online loans and even e-commerce transactions that facilitate borrowing. Therefore, this service aims to provide education or socialization to the public, especially students, to better understand financial literacy and thoroughly discuss the impacts and benefits. The students selected for this service are from SMAIT Nururrahman, located at Jl. Raya Sawangan No.11, Pancoran MAS, Pancoran Mas District, Depok City, West Java 16436.
Branding & Product Knowledge Parfum Ramah Wudhu Serta Halal Sebagai Upaya Peningkatan Kewirausahaan Mahasiswa dan Produksi UKM ULFAH, INDAR FAUZIAH; Widowati Hermajiwandini, Chandra Murti Dewi; Priyati, Rini Yayuk; Pradana, Hasta Dwi; Mardoni, Yosi; Nisa Purnamasari; Rina Amelia
Gandhi: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 3 (2024)
Publisher : Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/g-jpm.v1i3.13489

Abstract

The main problem faced by Small and Medium Enterprises (SMEs) in the cosmetics and perfume sector is the lack of a deep understanding of product knowledge aspects and halal product standards, especially in the context of the majority Indonesian Muslim market. This community service activity (PKM) aims to increase the entrepreneurial capacity of students and partner SMEs through intensive training on branding, product knowledge, and halal certification processes for ablution-friendly perfume products. The method of implementing activities includes three stages: (1) Socialization and education about the importance of halal certification and the concept of ablution-friendly perfume; (2) Technical training on the preparation of brand identity and digital marketing strategies; and (3) Direct assistance in improving the quality of SME Partner products. The results achieved were a significant increase in the understanding of participants (students and SMEs) by 35% regarding halal and branding aspects. In addition, SME Mitra has successfully identified and reformulated the Unique Selling Proposition of their products, namely perfumes that meet the criteria of 'ablution-friendly'. This activity succeeded in creating synergy between academics and business actors in producing competitive products in the halal market.
Optimalisasi Investasi Dana Haji Melalui Sukuk dan Deposito Bank Syariah Terhadap Pengembangan Dana Haji Di Indonesia Periode 2016 - 2019 Safitriawati, Tita; Fauziah Ulfah, Indar; Widayati, Neneng
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 6 No 01 (2021): Juni
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v6i01.1570

Abstract

Abstract: Development of Hajj funds in Indonesia for the 2016-2019 period. This research uses a descriptive method by analyzing data taken from secondary data directly to the BPKH website and literature study. The data analysis technique used is data collection, data reduction, data display, verification, and concluding. The results of this study indicate that the optimization of investment in hajj funds through Sukuk and Islamic bank deposits has increased from year to year so that it can increase financing in organizing Hajj. In 2018, referring to PP. 5 In 2018, BPKH plans to differentiate Hajj fund investments in gold (5%), direct investment (15%), and other investments (10%). Besides, the proportion of placement of funds in savings/time deposits decreased to 50% and placements in Sukuk to 20%. Then, in 2020, the proportion of placement of funds in savings/time deposits will again decrease to only 30% and transfer this proportion to Sukuk and direct investment.
Co-Authors Andriyansah . Chandra Murti Dewi Widowati Hermajiwandi Dian Sugiarti Diana Novita Fitri Nur Latifah Haspitasari, Selvia Hubertina Karolina Ngarbingan Khairunnisa, Indah Kusumaningtyas, Menur Murti Dewi Widowati Hermajiwandini, Chandra Muti’ah, Huriatul Nisa Purnamasari Pradana, Hasta Dwi Putranto, Johni Harius Raden Abdurrohman Thohir Wijaya Rina Amelia RINI FEBRIANTI Rini Yayuk Priyati, Rini Yayuk Safitriawati, Tita Suhartono Widayati, Neneng Widowati Hermajiwandini, Chandra Murti Dewi Yeni Suryani Yetmi, Yosi Safri Yosi Mardoni Yudhi Prasetiyo