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All Journal ASAS : Jurnal Hukum Ekonomi Syariah INFERENSI ISLAMICA: Jurnal Studi Keislaman Laa Maisyir Jurnal Ekonomi Islam Episteme: Jurnal Pengembangan Ilmu Keislaman An-Nisbah: Jurnal Ekonomi Syariah MIQOT: Jurnal Ilmu-ilmu Keislaman Studia Economica: Jurnal Ekonomi Islam Al-Mustashfa Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Shirkah: Journal of Economics and Business Istinbath: Jurnal Hukum dan Ekonomi Islam TSAQAFAH LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Proceedings of International Conference on Da'wa and Communication El-Qist : Journal of Islamic Economics and Business (JIEB) Airlangga International Journal of Islamic Economics and Finance Muhasabatuna: Jurnal Akuntansi Syariah Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Journal of Economics Research and Policy Studies EKONOMIKA SYARIAH : Journal of Economic Studies Journal Research of Social Science, Economics, and Management Journal of Economics and Policy Studies (JEPS) Maslahah: Jurnal Manajemen dan Ekonomi Syariah International Journal of Islamicate Social Studies Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (Jebisma) Jurnal Kajian Islam dan Sosial Keagamaan Journal of Islamic Economic Scholar Epistemé: Jurnal Pengembangan Ilmu Keislaman An-Nisbah: Jurnal Ekonomi Syariah Islamic Micro Finance Journal Journal of Business Improvement Indonesian Journal of Islamic Literature and Muslim Society Welfare: Jurnal Pengabdian Masyarakat Jurnal Publikasi Ekonomi dan Akuntansi Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Sirajul Arifin
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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SINERGITAS LEMBAGA KEUANGAN SYARIAH DALAM MENUMBUHKAN EKONOMI MASYARAKAT SURABAYA: Studi Kasus Relasi Ekonomi BNI Syariah, Lembaga Zakat dan Badan Wakaf di Surabaya Maulidiyah, Putri; Arifin, Sirajul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 7 No. 2 (2017): October
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.2017.7.2.1447-1463

Abstract

Penelitian ini bertujuan untuk menjawab dua pertanyaan, yaitu: bagaimana membangun hubungan sinergitas antara BNI Syariah, lembaga zakat dan badan wakaf di Surabaya, dan bagaimana hubungan sinergitas antara BNI Syariah, lembaga zakat dan badan wakaf di Surabaya dalam meningkatkan ekonomi masyarakat surabaya. Penelitian ini ini merupakan penelitian kualitatif dengan pendekatan studi kasus relasi ekonomi, teknik pengumpulan data melalui observasi, wawancara dan dokumentasi. Data yang telah terkumpul dianalisa secara deskriptif kualitatif dengan pola induktif. Penelitian menunjukkan bahwa pertama, hubungan sinergitas antara BNI Syariah dan RZ terkait sektor zakat dan wakaf tertuang melalui perjanjian tertulis dalam bentuk nota kesepahaman atau MoU dan dituangkan dalam bentuk produk dan layanan, kedua, hubungan keagenan tersebut memberikan dampak optimis bagi masyarakat golongan menengah ke bawah atau mustahik atau penerima manfaat wakaf. Berbagai upaya dikhtiarkan sehingga membuahkan hasil positif dan optimis yaitu menghasilkan wirausaha mandiri dan berevolusi menjadi muzakki.
THE ADVANTAGES AND CHALLENGES OF IMPLEMENTING SUKUK THROUGH BLOCKCHAIN TECHNOLOGY Iman, Aldi Khusmufa Nur; Arifin, Sirajul
An-Nisbah: Jurnal Ekonomi Syariah Vol 8 No 2 (2021): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v8i2.4665

Abstract

Financial instruments must be able to adapt quickly in the 4.0 era. One of the Islamic financial innovations highlighted at this time is the application of blockchain technology-based sukuk. This study aims to determine specifically the advantages of applying sukuk through blockchain technology and to scale the point of view regarding the challenges faced in applying sukuk through blockchain technology. This research uses a qualitative approach. The data collection technique used is literature study by collecting data from previous studies in the form of documentation of articles, journals or books as well as publication data from other parties. The data analysis techniques used were data reduction, data presentation, and conclusion drawing. The results show that sukuk can get many benefits from blockchain technology. Although blockchain has its advantages, there are risks and challenges that need to be resolved. In responding to this challenge, it is necessary to have a harmonious synergy among all stakeholders, from Syari'ah scholars, academics, to regulators and industry
The Efficiency of KSPPS BMT UGT Nusantara Branches in East Java using Data Envelopment Analysis (DEA) Period 2018-2022 Harris, Jaudat Iqbal; Arifin, Sirajul; Yazid, Muhammad
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8485

Abstract

Performance assessment of Islamic financial institutions such as KSPPS BMT UGT Nusantara is crucial to ensure optimal resource utilisation and improved customer service. This study evaluates the efficiency of several branches of KSPPS BMT UGT Nusantara in East Java from 2018 to 2022 using the Data Envelopment Analysis (DEA) approach. Input variables include the number of employees, total assets, and operational costs, while output variables encompass the number of customers, total financing, and total income. The results show that during the 2018-2022 period, many branches of BMT UGT Nusantara had not yet reached optimal scale, although some had achieved efficiency levels in both production and intermediation approaches. In the production approach, 50% of branches achieved technical efficiency, pure technical efficiency, and scale efficiency, while in the intermediation approach, 55% of branches achieved the same efficiency levels. To address inefficiencies, recommended strategies include: adjusting the number of employees according to actual needs; reducing excessive operational costs by identifying and eliminating unnecessary expenses; and managing assets more effectively by reinvesting in revenue-generating activities.
Implementation of Relationship Marketing Sharia Perspective In Sharia Microfinance Institutions In Madura AS, Fathor; Fatmariyah, Fatimatul; Arifin, Sirajul; Syarif, Muh.
Journal Research of Social Science, Economics, and Management Vol. 2 No. 6 (2023): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v2i06.268

Abstract

The market share of Islamic banking is still very small, so there needs to be a proper marketing strategy to overcome it, one of which is Sharia relationship marketing. The purpose of this research is to analyze the implementation of sharia relationship marketing at BPRS Bhakti Sumekar Sumenep. The research method used is a descriptive method of quantitative approach. The results showed that BPRS Bhakti Sumekar Sumenep has assimilated sharia relationship marketing quite well, it is shown from the results of respondents' assessment of the dimensions used in the study.
Mentoring Article Writing in Economics and Business: Providing Personal Support to Improve Quality Scientific Article Writing for IAIN Kediri Lecturers and Students Latif, Sahraman D. Hadii; Arifin, Sirajul; Zunaidi, Arif; Mutafarida, Binti; Zainuddin, Moh.
Welfare : Jurnal Pengabdian Masyarakat Vol. 2 No. 2 (2024): Welfare : June 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam, IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/welfare.v2i2.1287

Abstract

This service aims to provide personal support for writing quality scientific articles to lecturers and students at the Kediri State Islamic Institute (IAIN) in the fields of economics and business. The service method is carried out through a series of mentoring activities, which include individual consultation sessions, personal guidance, and direct feedback. The results show an increase in scientific article writing skills, an understanding of the publication process, and increased motivation to contribute to academic literature. The aim of the service is to improve the quality of academic publications at IAIN Kediri, strengthen the research capacity of lecturers and students, and increase contributions to the development of economics and business, especially in the Islamic context.
Kajian Problematika Perkembangan Perusahaan Modal Ventura Syariah di Indonesia Fithri, Windy Dwi Zhelsa; Arifin, Sirajul
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10098

Abstract

This study aims to review the problematic existence and resolution of Islamic venture capital companies in Indonesia. Nowadays, along with the rapid development of the Islamic financial industry, venture capital companies are also developing with the existence of Islamic venture capital companies that apply sharia principles. Islamic venture capital companies have a market share of Muslim entrepreneurs who want to do financing in accordance with Islamic provisions. However, in practice, the Islamic venture capital industry still encounters several obstacles that require new resolutions to overcome them. This study is a literature survey. This research identifies several issues plaguing the venture capital sector. The success of the venture capital sector is still highly reliant on external factors; the Islamic venture capital sector, for example, has a business model that frequently incorporates the notion of profit sharing. The Islamic venture capital sector is risky because of poor literacy and few human resources. So that the resolutions that can be done include: Support for literacy, support for long-term access and support for establishing a deposit insurance agency (LPS).
Strategi Penanganan Pembiayaan Bermasalah Melalui Pendekatan Persuasif dan Kekeluargaan Pada KSPPS BMT Mandiri Sejahtera Cabang Dukun A'la, Hadika A'zul; Arifin, Sirajul
MARGIN ECO Vol. 9 No. 2 (2025): Margin Eco: Jurnal Ekonomi dan Perkembangan Bisnis
Publisher : Fakultas Ekonomi Universitas KH. A. Wahab Hasbullah Tambakberas Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/margin.v9i2.6557

Abstract

Penelitian ini bertujuan untuk menganalisis secara komprehensif dan mendalam mengenai strategi penanganan pembiayaan bermasalah (Non-Performing Financing atau NPF) pada Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) BMT Mandiri Sejahtera Cabang Dukun, Gresik. Di tengah ketidakpastian ekonomi pasca-pandemi yang memukul sektor mikro, stabilitas lembaga keuangan mikro syariah sangat bergantung pada kualitas aset produktifnya. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan studi kasus (case study). Data bersumber dari laporan keuangan internal periode 2024-2025, data kolektabilitas pembiayaan bulanan, hasil wawancara mendalam dengan manajemen cabang dan Account Officer (AO), serta observasi partisipatif selama kegiatan magang. Hasil penelitian menunjukkan bahwa KSPPS BMT Mandiri Sejahtera berhasil menekan rasio pembiayaan macet secara signifikan dari ,52% pada Maret 2024 menjadi 0,50% pada Maret 2025. Keberhasilan ini dicapai melalui strategi hibrida yang memadukan prosedur perbankan prudential (analisis 5C) dengan pendekatan humanis berbasis nilai-nilai lokal dan syariah. Strategi utama meliputi: () komunikasi persuasif preventif digital, (2) kunjungan silaturahmi intensif sebagai metode penagihan lunak (soft collection), (3) restrukturisasi pembiayaan (rescheduling dan reconditioning) tanpa denda, dan (4) penyelesaian akhir melalui penjualan jaminan secara sukarela. Temuan ini menegaskan bahwa pendekatan kekeluargaan dan musyawarah efektif dalam memitigasi risiko kredit sekaligus menjaga loyalitas nasabah dan reputasi lembaga di tengah masyarakat pedesaan.
Zuhd as an Ethical Critique of Digital Hedonism: A Literature-Based Study from the Perspective of Islamic Economic Ethics Nasrifah, Maula; Arifin, Sirajul
Muhasabatuna : Jurnal Akuntansi Syariah Vol. 7 No. 2 (2025): December
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian Masyarakat Institut Agama Islam syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/muhasabatuna.v7i2.3809

Abstract

Digital hedonism, which has intensified through social media, platform-based economies, and instant consumption culture, has fostered behavioral patterns oriented toward pleasure-seeking, excessive self-presentation, and self-commodification. These developments have generated significant ethical tensions in the consumption practices of Muslim communities. This article examines the concept of zuhd as an ethical critique of digital hedonism using a qualitative library research approach. Data were drawn from classical and contemporary Islamic literature as well as empirical studies on digital consumption and Islamic economic ethics. The analysis reveals that zuhd should not be understood as hostility toward pleasure or technology, but as a value-oriented framework that regulates consumption motives in accordance with spiritual objectives (maqāṣid al-sharīʿah). In the digital context, zuhd functions as an ethical compass that mitigates consumptive pressure, strengthens self-awareness, and reorients the moral use of technology. This study offers a conceptual contribution to the development of digital consumption ethics within Islamic economic thought.
Social Entrepreneur Model: Analysis of Muslim Women's Economic Empowerment Through Emping Crackers Industry in Tulungagung Siti Kalimah; Sirajul Arifin; Riska Agustin; Riza Hafizi, Muhammad
ASAS Vol. 17 No. 02 (2025): Asas, Vol. 17, No. 02 Desember 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/

Abstract

The role of women in the economic sector extends beyond the domestic sphere to include participation in business, employment, and public decision-making. However, many women continue to experience structural barriers such as gender discrimination and limited access to economic opportunities. This phenomenon is also evident in Ngadirejo, Tulungagung, where the emping-melinjo industry dominated by Muslim women faces challenges related to business competition, resource limitations, and sustainability. This study aims to analyze the economic empowerment of Muslim women in the emping industry using the Social Entrepreneurship Model. Employing a qualitative descriptive approach, the research describes the dynamics of women’s empowerment based on data gathered through purposive sampling involving Muslim women entrepreneurs, community leaders, and supporting institutions. Data were collected through semi-structured interviews, observation, and documentation, and analyzed using thematic categorization aligned with the components of social value, civil society, innovation, and economic activity. The findings reveal significant positive impacts at the individual, household, and community levels, including increased financial independence (social value), expanded access to training and business capital supported by local networks (civil society), adoption of digital tools and creative business practices (innovation), and enhanced household income and poverty reduction through women’s active involvement in production and management (economic activity). Overall, the study demonstrates that the emping-melinjo industry serves as an effective vehicle for advancing women’s economic empowerment, strengthening family welfare, and promoting gender-inclusive economic development within rural communities.
Personal Touch di Era Digital: Refleksi Komunikasi Langsung dalam Program Migrasi Perbankan (Studi Kasus Magang di BSI KCP Surabaya Rungkut 1) Samsiah, Toyyibatus; Arifin, Sirajul
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Mobile banking application migration programs often face challenges in the form of customer resistance and anxiety towards new technology. This qualitative case study aims to analyze the process, effectiveness, and dynamics of personal communication (via WhatsApp/telephone) implemented in the application migration program at Bank Syariah Indonesia (BSI) KCP Surabaya Rungkut 1, from the reflective perspective of interns as direct participants. Data was collected through participatory observation and reflective documentation during the three-week program period, then analyzed thematically. The findings show three patterns of customer responses (Skeptical-Aggressive, Cooperative-Interactive, Verificative-Analytical) that require different handling strategies. A critical point occurred when interactions evolved from technical migration transactions to discussions about other products, marking the formation of trust and relational value. The main obstacles were customer technical barriers and network limitations. Critical reflection using four theoretical lenses reveals that personal communication functions multidimensionally: as a catalyst for technology acceptance (Technology Acceptance Model), a manifestation of service quality (SERVQUAL/IBSQ), a means of building interpersonal trust, and an investment in relationship marketing. The practical implication is that a personal approach to digital transformation should be viewed as a strategic investment that not only pursues adoption targets but, more importantly, converts the momentum of change into strengthening long-term customer loyalty.
Co-Authors A'la, Hadika A'zul A. Syatir Sofyan Abdurrahman Mansyur Adibah Badzlina Agustin, Isnaini Faliha Ahmad Fauz Ahmad Fauz Ahmad Munir Hamid Ahmad, Zakiyyah Ilma Ahmed, Ishfaq Ahsan, Muhamad Aldi Khusmufa Nur Iman Alfin Maulana Anisatul Maghfiroh Anisatul Maghfiroh AS, Fathor Atep Hendang Waluya Auliah Eka Putri A.M Ayu Rahayu Nurhalizah Azwar Cholili Azwar Cholili Baiq Elbadriati Burhan Djamaluddin Eja Armaz Hardi Fahmi, Moh Farih Fathor AS Fatimatul Fatmariyah Fatmariyah, Fatimatul Fithri, Windy Dwi Zhelsa Hamid, Ahmad Munir harris, jaudat iqbal Hilda Pradifta Ilham, Moh Imam Muslih Imtiyaz, Nakhwah Bahirotul Izzuddin, Muhammad Andik Latif, Sahraman D. Hadii Luthfi Akmal Muzakki M. Luthfillah Habibi MAGHFIROH, ANISATUL Mariyani, Marni Maula Nasrifah Maulidiyah, Putri Moch. Mahsun Mugiyati Muh. Syaukin Muttaqin Muhammad Riza Hafizi Muhammad Syarif Muhammad Yazid Muslih, Imam Mutafarida, Binti Muttaqin, Muh. Syaukin Nur Asnawi Nur Syam Nur Syam Nursyamsu Nursyamsu Putri Maulidiyah Rahma Kun Zakiyah Rijal, Akmalur Riska Agustin Rofika Febriani Samsiah, Toyyibatus Setiawan, Firman Sholihah, Fefi Diniyati Siska Dwi Oktavia Siti Kalimah Siti Nur Azizah Sofyan, Syaakir Syamsu, N. Syarif, Muh. Ubaidillah, Fauzul Adim Walid In'am Ahmad Windy Dwi Zhelsa Fithri Yuniarti Hidayah Suyoso Putra Zainuddin, Moh. Zakariya, Novie Andriani Zunaidi, Arif