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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 Al-Mustashfa Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Indonesian Journal of Islamic Literature and Muslim Society 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) Muhasabatuna: Jurnal Akuntansi Syariah Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis 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
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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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

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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.
Keunggulan Kompetitif Investasi Emas Syariah Pegadaian Syariah Cabang Blauran Siska Dwi Oktavia; Sirajul Arifin
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 1 (2026): Januari : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i1.2858

Abstract

This study analyzes the competitive advantage of sharia gold investment at Pegadaian Syariah, Blauran Branch, Surabaya, amidst competition from Bank Syariah Indonesia and sharia fintech. Using a descriptive qualitative approach, primary data was obtained through semi-structured interviews with Branch Managers, marketing staff, and customers, while secondary data came from Pegadaian reports, OJK publications, and the World Gold Council. The analysis employed the SWOT framework and Porter's Five Forces. The results show that Pegadaian Syariah's competitive advantage stems from public trust in its state-owned enterprise (BUMN) status, compliance with sharia principles, certified Galeri24 products, and product flexibility starting from IDR 10,000 supported by the PSDS digital platform. There is a significant opportunity from the 135% year-on-year surge in gold demand, but it faces the threat of intense competition and high buyer bargaining power. Competitive advantage strategies are implemented through digital service differentiation, an inclusive market focus, and cost efficiency. The study recommends intensifying PSDS education, strengthening gold investment literacy, and optimizing pricing to increase competitiveness.
PERAN PEGADAIAN SYARIAH DALAM PENGEMBANGAN INKLUSI KEUANGAN SYARIAH DI INDONESIA Mariyani, Marni; Sirajul Arifin
Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (JEBISMA) Vol 3 No 2 (2025): Desember 2025
Publisher : PT. Media Edutama Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70197/jebisma.v3i2.163

Abstract

Studi ini meneliti kontribusi Pegadaian Syariah dalam pengembangan inklusi keuangan syariah di Indonesia. Dimana inklusi keuangan syariah di Indonesia terbilang rendah yakni hanya 13,41%, tidak sebanding dengan inklusi keuangan konvensional yang mencapai 75,02%. Tujuan studi ini adalah menganalisis kontribusi Pegadaian Syariah dalam pengembangan inklusi keuangan syariah, hambatan yang dihadapi, dan strategi untuk mengatasi hambatan tersebut. Metode yang diterapkan penelitian ini yakni studi literatur dengan pendekatan deskriptif analitis, mengumpulkan data sekunder dari jurnal, laporan OJK, dan berbagai artikel tentang Pegadaian Syariah dan pengembangan inklusi keuangan syariah. Hasil penelitian menunjukkan bahwa Pegadaian Syariah berkontribusi melalui layanan digital, menyediakan jasa dan produk keuangan yang mudah dijangkau, menjadi Bank Emas, serta menyelenggarakan berbagai program edukasi dan workshop untuk menambah wawasan masyarakat tentang keuangan syariah, dengan hambatan seperti rendahnya wawasan masyarakat tentang keuangan syariah, persaingan dengan lembaga keuangan konvensional, kurangnya pembaharuan yang konsisten dalam pengembangan layanan dan produk, masalah regulasi dan kepatuhan, tingkat literasi digital masyarakat masih rendah dan sosialisasi kurang memadai, terbatasnya infrastruktur dan akses teknologi, penerapan prinsip syariah dan kepatuhan regulasi di bidang inovasi teknologi menjadi tantangan besar., dan keterbatasan operasional. Adapun strateginya seperti meningkatkan literasi keuangan dan digital, pendampingan dalam penggunaan layanan digital, penyelarasan dan penguatan regulasi, peningkatan aksesibilitas layanan, kolaborasi dengan pemangku kepentingan, serta inovasi produk dan layanan.
Co-Authors A'la, Hadika A'zul Abdurrahman Mansyur Ahmad Fauz Ahmad Fauz Ahmad Munir Hamid Ahmad, Zakiyyah Ilma Ahmed, Ishfaq Ahsan, Muhamad Aldi Khusmufa Nur Iman Alfin Maulana Anisatul Maghfiroh AS, Fathor Atep Hendang Waluya Auliah Eka Putri A.M Ayu Rahayu Nurhalizah 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 Izzuddin, Muhammad Andik Latif, Sahraman D. Hadii M. Luthfillah Habibi MAGHFIROH, ANISATUL Mariyani, Marni Maula Nasrifah Maulidiyah, Putri Moch. Mahsun Muhammad Riza Hafizi Muhammad Syarif Muhammad Yazid Muslih, Imam Mutafarida, Binti Muttaqin, Muh. Syaukin Nur Asnawi Nur Syam Nursyamsu Nursyamsu Putri Maulidiyah Rijal, Akmalur Riska Agustin Rofika Febriani Samsiah, Toyyibatus Setiawan, Firman Sholihah, Fefi Diniyati Siska Dwi Oktavia Siti Kalimah Siti Nur Azizah Sofyan, Syaakir Sofyan, Syathir Syam, Nur Syamsu, N. Syarif, Muh. Ubaidillah, Fauzul Adim Windy Dwi Zhelsa Fithri Yuniarti Hidayah Suyoso Putra Zainuddin, Moh. Zakariya, Novie Andriani Zunaidi, Arif