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All Journal Tahkim (Jurnal Peradaban dan Hukum Islam) STRATEGIC Jurnal Ilmiah Ekonomi Islam Jurnal Manajemen & Keuangan JURNAL EDUCATION AND DEVELOPMENT JURNAL NUSANTARA APLIKASI MANAJEMEN BISNIS Iqtishoduna: Jurnal Ekonomi Islam The International Journal of Business Review (The Jobs Review) Bantenese Jurnal Pengabdian Masyarakat Jurnal EK dan BI Budimas : Jurnal Pengabdian Masyarakat Abdimasku : Jurnal Pengabdian Masyarakat ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Mestaka: Jurnal Pengabdian Kepada Masyarakat Santri: Journal of Student Engagement West Science Journal Economic and Entrepreneurship Review of Islamic Social Finance and Entrepreneurship JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Manajemen : Jurnal Ekonomi IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita International Journal of Islamic Business and Economics (IJIBEC) Jurnal Ilmu-ilmu Syari'ah Almawarid: Journal of Management and Business Sciences Jurnal manajemen dan bisnis (Performa)
Zakiyah Zulfa Rahmah
Sekolah Tinggi Ilmu Ekonomi Al-Anwar Mojokerto
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Other

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Evaluasi Dampak Bank Pembiayaan Rakyat Syariah (BPRS) Terhadap Pertumbuhan Dan Pengembangan UMKM Di Indonesia Purnama, Chamdan; Zulfa Rahmah, Zakiyah; Fatmah, Dinda; Rahmah, Mirhamida; Hasani, Syaiful; Rahmah, Yusriyah; Andriani; Alfaina Karem, Nahdya
Manajemen: Jurnal Ekonomi USI Vol 6 No 2 (2024): Vol. 6 No. 2 Tahun 2024
Publisher : Fakultas Ekonomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/fabzp258

Abstract

Penelitian ini berfokus pada Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia, dengan pengumpulan data yang dilakukan melalui situs web Otoritas Jasa Keuangan (OJK). Studi ini memanfaatkan data sekunder, seperti dokumen, catatan, atau laporan historis yang tersimpan dengan baik dalam arsip. Metode yang diterapkan meliputi kajian literatur dan diskusi. Hasil penelitian ini mengungkapkan bahwa BPRS telah sukses menerapkan manajemen yang efektif dalam mengelola rasio Dana Pihak Ketiga (DPK) terhadap pembiayaan, terutama untuk sektor UMKM. BPRS juga berhasil meraih tingkat kepercayaan yang tinggi dari masyarakat dalam pembiayaan UMKM, yang terlihat dari peningkatan jumlah pembiayaan yang disalurkan setiap tahunnya. Kondisi ini sejalan dengan pertumbuhan jumlah UMKM di Indonesia yang terus meningkat setiap tahunnya
Investigasi Peran Temporal Kualitas Pelayanan Terhadap Loyalitas Nasabah Dengan Kepuasan Sebagai Variabel Mediasi Pada Bank Syariah Indonesia Chamdan Purnama; Zakiyah Zulfa Rahmah; Dinda Fatmah; Mirhamida Rahmah; Syaiful Hasani; Yusriyah Rahmah; Yuliani; Binti Mutfarida
Manajemen: Jurnal Ekonomi USI Vol 6 No 2 (2024): Vol. 6 No. 2 Tahun 2024
Publisher : Fakultas Ekonomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/qa4k6692

Abstract

Kualitas pelayanan berperan penting dalam suatu perusahaan disaat persaingan di bidang bisnis terjadi sangat ketat dan terus berubah. Penelitian ini bertujuan untuk menguji pengaruh kualitas pelayanan terhadap kepuasan nasabah, kualitas pelayanan terhadap loyalitas nasabah, kepuasan nasabah terhadap loyalitas nasabah, dan kepuasan nasabah dalam memediasi pengaruh kualitas pelayanan terhadap loyalitas nasabah di Bank Syariah Indonesia. Jenis penelitian yang digunakan adalah penelitian kuantitatif dan desain penelitian yang digunakan adalah desain riset kausal. Subjek dalam penelitian ini adalah nasabah di Bank Syariah Indonesia dan objek dalam penelitian ini adalah kualitas pelayanan, kepuasan nasabah, dan loyalitas nasabah. Data dikumpulkan dengan pencatatan dokumen dan metode kuesioner, dengan analisis PLS dengan software SmartPLS. Hasil penelitian menemukan bahwa kualitas pelayanan berpengaruh positif dan signifikan terhadap kepuasan nasabah, kualitas pelayanan tidak berpengaruh signifikan terhadap loyalitas nasabah, kepuasan nasabah berpengaruh positif dan signifikan terhadap loyalitas nasabah, dan kepuasan nasabah memediasi sempurna pengaruh kualitas pelayanan terhadap loyalitas nasabah. Hasil penelitian ini diharapkan dapat membantu penelitian masa depan dalam memperhatikan factor - faktor yang dapat mempengaruhi loyalitas nasabah.  Hasil studi ini juga diharapkan dapat menambah pengetahuan baru yang akan memperkaya teori manajemen manajemen pemasaran maupun teori perilaku organisasi, khususnya yang terkait dengan loyalitas nasabah
Analisis Filosofis: Pemikiran Abu Ubaid dalam Kitab Al-Amwal Rahmah, Zakiyah Zulfa; Samsuri , Ali
Irtifaq Vol 12 No 02 (2025): SEPTEMBER
Publisher : Program Studi Hukum Ekonomi Syariah, Universitas Hasyim Asy'ari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/irtifaq.v12i01.6145

Abstract

This article reviews the concept of Islamic economics related to the role of money according to the thought of Abu Ubaid (154-224 AH). In his work, Kitab Al-Amwal, Abu Ubaid highlights the importance of justice as a fundamental principle. Although written in the past, Abu Ubaid's ideas remain relevant in the current economic and social context, especially in efforts to maintain fairness in wealth distribution and transparency in public financial management. Money in Abu Ubaid's view has a dual role, as a standard and medium of exchange. The principles advocated by Abu Ubaid can be valuable guidelines for policy makers in designing an inclusive and sustainable economic system. Thus, an understanding of Abu Ubaid's thought can provide valuable insights in the development of a just and efficient Islamic economy.
Pendampingan Pengelolaan Kritik dan Saran untuk Optimalisasi Kinerja FEBI Mart di IAIN Kediri Rahmah, Zakiyah Zulfa; Sofiastuti, Nurriza; Santoso, Moh. Fathoni; Saka, Dijan Novia
Santri : Journal of Student Engagement Vol. 4 No. 1 (2025): Santri : Journal of Student Engagement
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/santri.v4i1.1310

Abstract

FEBI Mart is a student-run canteen at the State Islamic Institute (IAIN) Kediri. As one of the campus facilities FEBI Mart plays an important role in providing consumption needs for students and the academic community, as well as being a model of participation-based business management. However, FEBI Mart faces various challenges, including the management of feedback that can affect the quality of service and the development of the canteen's performance. Criticism and suggestions that are not managed properly can become obstacles in FEBI Mart's optimization and growth efforts. This research aims to provide assistance in managing feedback to evaluate FEBI Mart’s performance. The assistance steps include identifying feedback collection mechanisms, analyzing the problems faced, and implementing an effective criticism and suggestion management system. The results of this assistance are expected to provide applicable recommendations to improve service quality, operational efficiency, and encourage FEBI Mart's growth to be better and develop sustainably. With optimal management, FEBI Mart is expected to be an example of a student business that is innovative and responsive to consumer needs.
The Intervening of Customer Satisfaction can Improve on Customer Loyalty Purnama, Chamdan; Fatmah, Dinda; Rahmah, Mirhamida; Hasani, Syaiful; Rahmah, Yusriyah; Rahmah, Zakiyah Zulfa
West Science Journal Economic and Entrepreneurship Vol. 1 No. 10 (2023): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v1i10.483

Abstract

This study aims to examine and analyze the effect of product differentiation on customer satisfaction, to test and analyze the effect of product differentiation on customer loyalty, to test and analyze the effect of customer satisfaction on customer loyalty and to test and analyze the indirect effect of product differentiation on customers loyalty through customer satisfaction at Balekambang Mojokerto District, East Java. The sample in this study is 110 tourists sampling used in this study is to use the accidental sampling method. Data was collected using a questionnaire that has been tested for validity and reliability. Data analysis used in this study is linear regression analysis with SPSS for Windows version 24. Based on the results of regression analysis, it was found that first product differentiation has a significant positive effect on customer satisfaction. Second, product differentiation has a direct positive effect on customer loyalty. Third, customer satisfaction has a significant positive effect on customer loyalty. Fourth, product differentiation indirectly has a significant positive effect on customer loyalty through customer satisfaction.
Organizational Culture And Islamic Work Ethics On Teacher Performance: The Important Role Of Spiritual Work Motivation In Mediating Purnama, Chamdan; Rahmah, Mirhamida; Fatmah, Dinda; Hasani, Syaiful; Rahmah, Yusriyah; Rahmah, Zakiyah Zulfa
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.12796

Abstract

The purpose of this study was to examine the influence of organizational culture and Islamic work ethic on teacher performance through spiritual work motivation. The sample of this study was 196 respondents of Islamic boarding school teachers in Madura region. The test method uses purposive random sampling with a minimum of occupying the homeroom level. Using the Smart PLS version 3.0 analysis technique results that organizational culture and Islamic work ethic does not directly affect teacher performance but indirectly affect teacher performance through Spiritual Work Motivation The results are relied upon to add knowledge to enrich the theory of human resource management and Islamic boarding school behavior theory, especially regarding teacher performance. In addition, it is hoped that this new model will assist future research in paying attention to the factors that can affect teacher performance. This research is a novelty research which develops the concept of work motivation into Spiritual Work Motivation based on Quran and Sunnah along with the principles of Islamic boarding schools in accordance with the research context, namely in Islamic boarding schools.
Analisis Strategi Digital Local Branding Berbasis Kearifan Lokal dalam Meningkatkan Ekuitas Merek UMKM di Mojokerto Idah Nurfajriya Awwalin; Chamdan Purnama; Dinda Fatmah; Zakiyah Zulfa Rahmah; Mirhamida Rahmah
Almawarid: Journal of Management and Business Sciences Vol. 2 No. 1 (2026)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/almawarid.v2i1.37

Abstract

Penelitian ini bertujuan untuk menganalisis strategi Digital Local Branding berbasis kearifan lokal dalam meningkatkan ekuitas merek UMKM di wilayah Kabupaten dan Kota Mojokerto di tengah disrupsi pasar digital. Menggunakan pendekatan kualitatif deskriptif dengan metode studi kasus, data dikumpulkan melalui wawancara mendalam dengan pelaku UMKM serta observasi terhadap aset digital di berbagai platform media sosial. Hasil penelitian menunjukkan bahwa integrasi narasi sejarah Majapahit, penggunaan simbol visual khas daerah, dan pemanfaatan dialek lokal dalam komunikasi digital efektif dalam menciptakan resonansi merek (brand resonance) yang kuat, terutama di kalangan Generasi Z yang mencari autentisitas. Temuan penelitian mengungkap bahwa strategi "Modernizing Tradition" mampu mengubah persepsi produk UMKM dari komoditas tradisional menjadi simbol identitas lokal (local pride), yang secara signifikan meningkatkan loyalitas dan kesadaran merek. Kesimpulan dari penelitian ini menegaskan bahwa keberhasilan UMKM di Mojokerto dalam memenangkan persaingan dengan merek global sangat bergantung pada sinergi antara kemahiran teknologi digital dan penguatan nilai-nilai kearifan lokal yang mampu membangun ikatan psikologis jangka panjang dengan konsumen.
MANAJEMEN PENDAPATAN NASIONAL DAN KESEJAHTERAAN DALAM PERSPEKTIF EKONOMI ISLAM: ANALISIS KRITIS Zakiyah Zulfa Rahmah; Yuliani; Binti Mutfarida; Chamdan Purnama; Dinda Fatmah; Mirhamida Rahmah; Syaiful Hasani; Yusriyah Rahmah
Jurnal Manajemen dan Bisnis Performa Vol. 21 No. 1 (2024)
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v21i1.3713

Abstract

Penelitian ini bertujuan untuk mengkaji ulang konsep pendapatan nasional sebagai ukuran kesejahteraan dari perspektif ekonomi Islam, dengan penekanan pada manajemen keuangan nasional. Pendapatan nasional kerap digunakan sebagai indikator utama kesejahteraan suatu negara, namun pendekatan ini memiliki keterbatasan dalam mencerminkan kesejahteraan yang sesungguhnya. Dalam ekonomi Islam, kesejahteraan diukur tidak hanya dari aspek material tetapi juga mencakup dimensi spiritual dan moral. Penelitian ini mengusulkan model manajemen keuangan yang mengintegrasikan prinsip-prinsip ekonomi Islam untuk mencapai kesejahteraan yang lebih komprehensif. Melalui metode studi literatur dan analisis bibliometrik, penelitian ini mengidentifikasi kelemahan pendekatan konvensional dan menawarkan alternatif yang lebih inklusif. Hasil penelitian ini diharapkan dapat memberikan rekomendasi praktis bagi para pembuat kebijakan dan praktisi manajemen keuangan dalam merancang kebijakan yang lebih berkelanjutan dan inklusif, sesuai dengan nilai-nilai ekonomi Islam. Dengan demikian, penelitian ini berkontribusi pada pengembangan teori dan praktik manajemen keuangan yang lebih holistik, serta mendukung tercapainya kesejahteraan yang lebih luas dan berkelanjutan.
Digital Transformation and Climate ChangeAwareness: Mediated Impact on Financial Performance via Green Technology SMEs Dinda Fatmah; Mirhamida Rahmah; Yusriyah Rahmah; Zakiyah Zulfa Rahmah; Karina Ananda Putri; Chamdan Purnama
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 1 (2025): Volume 9 Nomor 1 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i1.10205

Abstract

This study investigates the direct and indirect effects of digital transformation and climate change awareness on SME financial performance, with green technology adoption serving as a mediating variable. Drawing from stakeholder theory and the resource-based view, this research addresses a key gap in understanding how digital and environmental initiatives interact within halal-oriented small businesses. Empirical data from 192 halal food SME owners and managers in East Java were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) across 32 indicators. Findings reveal that digital transformation significantly enhances both green technology adoption and financial performance, underscoring its strategic value in expanding market access and operational efficiency. While climate change awareness strongly encourages green technology adoption, it lacks a direct financial impact. Notably, green technology adoption shows a negative effect on financial performance, likely due to high initial costs and integration challenges. The study contributes to the literature by demonstrating the complex trade-offs between environmental innovation and profitability in emerging market SMEs. It suggests that digital strategies may serve as a bridge toward sustainability without undermining financial goals. Practical implications include the need for targeted government incentives and support mechanisms to offset green transition costs and bolster competitive resilience in halal food SMEs.
Halal Market Dynamics, Sharia-Oriented Dynamic Capabilities, and Innovation Performance in Muslim Fashion SMEs: Evidence from an Islamic Economic Perspective Mirhamida Rahmah; Karina Ananda Putri; Dinda Fatmah; Yusriyah Rahmah; Zakiyah Zulfa Rahmah; Chamdan Purnama
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 1 (2026): April
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.v15i1.3541

Abstract

This paper investigates how external dynamics moderate the relationships between human capital, business strategy, financial outcomes, and innovation capability within Muslim Fashion SMEs in Indonesia. Grounded in Dynamic Capabilities Theory, Organizational Learning Theory, Contingency Theory, and Islamic business perspectives, the study examines how environmental uncertainty influences SMEs’ strategic capacity to innovate within the halal fashion ecosystem. Using a quantitative approach and Structural Equation Modeling (SEM), the findings reveal that external dynamics strengthen the positive effects of human capital and business strategy on innovation capability, while weakening the influence of financial outcomes. These results indicate that financial strength alone is insufficient to sustain innovation without adaptability, strategic responsiveness, and competent human capital. The study contributes to the Islamic economics and halal business literature by demonstrating that innovation in Muslim Fashion SMEs is shaped not only by economic factors but also by Islamic values, halal orientation, and ethical entrepreneurship. Furthermore, the findings highlight the importance of innovation capability in supporting sustainable halal industry growth, strengthening Muslim entrepreneurship, and enhancing the competitiveness of Islamic SMEs in dynamic digital markets.
Co-Authors Alfaina Karem, Nahdya Andriani Andriani Andriani Andriani Binti Mutfarida Binti Mutfarida Chairul Anam Chairul Anam, Chairul Chamdan Purnama Dinda Fatmah Fatmah, Dinda Hasani, Syaiful Htet Paing Soe Idah Nurfajriya Awwalin Karem, Nahdya Alfaina Karina Ananda Putri Karina Ananda Putri Lukman Hakim Lukman Hakim Lukman Hakim Mirhamida Rahmah Mirhamida Rahmah Mirhamida Rahmah Mirhamida Rahmah Mirhamida Rahmah Mirhamida Rahmah Mutfarida, Binti Nahdya Alfaina Karem Nurul Aslikhah Putri , Karina Ananda Putri, Karina Ananda Rahmah, Mirhamida Rahmah, Yusriyah Saka, Dijan Novia Samsuri , Ali Santoso, Moh Fathoni Santoso, Moh. Fathoni Sofiastuti, Nurriza Sugeng Mulyono Sugeng Mulyono Sulistyowati Sulistyowati Syaiful Hasani Syaiful Hasani Syaiful Hasani Syaiful Hasani Syaiful Hasani Syaiful Hasani YULIANI Yuliani Yusriyah Rahmah Yusriyah Rahmah Zunaidi, Arif Zuraidah