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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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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.
Rescheduling Pembiayaan Bermasalah Di KSPPS BMT Mandiri Sejahtera Cabang Dukun Imtiyaz, Nakhwah Bahirotul; Arifin, Sirajul
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 2 (2026): Mei : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i2.5936

Abstract

This study aims to analyze the implementation of rescheduling in handling problematic financing at KSPPS BMT Mandiri Sejahtera Dukun Branch. The research employed a qualitative method with a descriptive approach to gain an in-depth understanding of the strategies used by the institution to overcome financing problems. Data were collected through interviews with the Branch Manager and Account Officer, as well as through an analysis of financing collectability data from March 2024 to March 2025. Supporting data were also obtained through documentation and observation related to the financing management process within the institution. The results indicate that the main causes of problematic financing originate from weaknesses in the initial survey and analysis process of prospective members, as well as external factors such as crop failure and declining business activities of members. To address these issues, KSPPS BMT Mandiri Sejahtera Dukun Branch implements several strategies, including routine monitoring of financing members, intensive communication, and the application of rescheduling policies as the main instrument in financing restructuring. The implementation of rescheduling has proven to be effective and remains in accordance with Islamic financial principles. Based on financing collectability data, the quality of financing is relatively well maintained, with the Non-Performing Financing (NPF) ratio remaining below 5% in accordance with the standards set by financial authorities. Therefore, the implementation of rescheduling plays an important role in reducing problematic financing while maintaining the stability and sustainability of Islamic financial institutions.
Analisis Manfaat Produk Tabungan Berencana Bank Syariah Indonesia dalam Mendukung Perencanaan Keuangan Keluarga Agustin, Isnaini Faliha; Arifin, Sirajul
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 2 (2026): Mei : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i2.6107

Abstract

This study aims to analyze the benefits of Bank Syariah Indonesia's Savings Plan product in supporting family financial planning. The method used is descriptive qualitative research, collecting primary data through interviews and secondary data through literature review. The research instruments were interview guidelines and reference documents related to the Savings Plan product. Data analysis was conducted through data reduction, presentation, and drawing conclusions based on field findings and literature. The results show that BSI Savings Plan offers various benefits, including assisting with short-term and long-term financial planning, fostering financial discipline, providing protection through sharia principles and insurance, and reducing family financial risks. This product also functions as a strategic instrument in improving family welfare while supporting the sustainability of household economic stability. Thus, BSI Savings Plan not only serves as a means of saving but also as a comprehensive solution for families in facing modern financial challenges.
Digital capitalism and young people's work patterns: The dynamics of side jobs among Indonesia's gen Z Rahma Kun Zakiyah; Sirajul Arifin; Luthfi Akmal Muzakki
Journal of Economics Research and Policy Studies Vol. 6 No. 1 (2026): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v6i1.2638

Abstract

This study investigates the contradictions of side jobs and the gig economy among Generation Z in Indonesia. Although this sector is considered to offer flexibility, independence, and diverse career development opportunities, the reality in the world of work shows tension between expectations of freedom and unstable working conditions. This study applies a qualitative approach with a systematic literature review design. Data was obtained through the synthesis of accredited journal articles and reports from reliable research institutions published between 2020 and 2024. Data analysis was conducted using thematic analysis methods to identify patterns of experience and structural contradictions that have been noted in the literature. The findings show that the promised flexibility and autonomy are often illusory. Fluctuating income, lack of social security, and dependence on non-transparent platform algorithms create a situation of “pseudo-autonomy.” These conditions lead to economic vulnerability and psychosocial pressures, such as anxiety, stress, and feelings of alienation due to prolonged job uncertainty. These results confirm that the welfare of Gen-Z gig workers needs to be evaluated from various dimensions, not only based on income but also psychological and social aspects.
OPTIMIZATION OF ZIS FUND COLLECTION AT LAZISMU GRESIK REGENCY, INDONESIA, TO IMPROVE THE NATIONAL ZAKAT INDEX Walid In'am Ahmad; Sirajul Arifin; Mugiyati
Airlangga International Journal of Islamic Economics and Finance Vol. 9 No. 01 (2026): January-June 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v9i01.74363

Abstract

This study aims to analyze the optimization strategy of ZIS fund collection at LAZISMU in Gresik Regency and how it impacts the increase in the national zakat index. The research method uses a qualitative approach based on literature review studies. This study aims to understand individual and group behavior relate to ZIS fund collection within natural institutional setting through a literature review approach. The originality of this study lies in its specific focus on local zakat institutions, particularly LAZISMU Gresik, which has rarely been the subject of in-depth academic study in relation to its contribution to the National Zakat Index. The finding reveals that optimizing ZIS fund collection requires strategic planning, community-based innovation such as the KOMDIG LAZ model, and local engagement to significantly enhance zakat collection outcomes. However, the study is limited by its reliance on secondary data and literature review, which may not fully capture the dynamic practices and challenges in the field. Practically, the findings provide useful insights for zakat institutions, especially local LAZ, to develop effective and scalable fundraising strategies that can contribute more directly to national zakat development indicators.
The Value of Maslahah in the Application of Istihsan and Its Implementation in Cash Waqf Linked Sukuk Anisatul Maghfiroh; Azwar Cholili; Imam Muslih; Muh. Syaukin Muttaqin; Sirajul Arifin
Journal of Business Improvement Vol 1 No 1 (2024): Februari
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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

Abstract

Modern economic and social developments brought Muslim societies into the context of increasingly complex transactions, including banking, etc. This challenge raises new problems that are not only solved by the sources of Qur'anic law and hadith. Istiḥsān is a method of establishing law that is postulated in Hanafi fiqh although its existence is still debated among fiqh scholars. This paper aims to examine the value of maslahah in the application of Istiḥsān. This research uses a desk-based research method, which includes searching relevant literature for data, compiling journal articles and books covering the subject matter of the research topic, and systematic analysis of the information obtained.  The results of research in this paper show that istihsan uses maslahah mursalah as a method to get to maqashid shari'ah
Kontribusi Tabungan Emas Pegadaian Syariah terhadap Ketahanan Finansial Masyarakat dalam Perspektif Ekonomi Syariah Adibah Badzlina; Sirajul Arifin
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26448

Abstract

This research aims to examine the contribution of gold savings in strengthening the financial resilience of society from an Islamic economic perspective. Pegadaian Syariah's gold product is an Islamic financial innovation that provides access to gold investment with small denominations, using the murabahah contract for buying and selling transactions and the wadiah contract for safekeeping mechanisms. The method used is a literature study, examining reputable journals, proceedings, official reports, DSN-MUI fatwas, and Sharia Pawnshop publications. The study results indicate that gold savings serve as a safe, transparent, and halal investment instrument, and are effective as a hedge against inflation and global economic factors. Recent gold price data showing a consistent upward trend strengthens gold's role as a safe haven. From a Sharia economic perspective, gold savings reflect the value of the maqashid al-syariah, particularly hifz al-mal (protection of wealth), while also supporting Sharia financial literacy and inclusion. Compared to other Sharia instruments, gold savings are simpler, more inclusive, and easier for the general public to understand. Thus, Pegadaian Syariah's gold savings can be positioned as an important pillar in building the financial resilience of the community based on Sharia principles
IMPLEMENTASI ZAKAT SEBAGAI ISLAMIC SOCIAL SECURITY MENURUT PANDANGAN MUHAMMAD NEJATULLAH SIDDIQI Siti Nur Azizah; Rofika Febriani; Sirajul Arifin
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 7 No. 1 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v7i1.9892

Abstract

Artikel ini bertujuan untuk mengkaji Implementasi zakat sebagai Jaminan Sosial menurut pandangan Muhammad Nejatullah Siddiqi dan Bagaimana penerapannya di Indonesia melalui studi pustaka. Hasil penelitian ini menunjukkan bahwa M.N Siddiqi adalah salah satu tokoh ekonom yang tergolong dalam aliran mainstrem yang menjunjung Zakat sebagai sumber pendanaan Negara. Menurut M.N Siddiqi ciri utama Ekonomi Islam adalah Implementasi zakat dan penghapusan riba, serta Jaminan sosial yang didalamnya adalah bagian dari konsep pelaksanaan zakat. Penerapan Zakat sebagai Social Security di Indonesia sebenarnya sudah lama dipraktikkan oleh Lembaga Amil Zakat/ Lembaga Pengelola Zakat yaitu BAZNAS, LAZ maupun UPZ yang diimpelementasikan melalui Program Kemanusian, Kesehatan, dan Dakwah.  Namun dalam pelaksanaanya, perlu adanya integrasi antara badan jaminan sosial dan Badan Amil Zakat serta Lembaga Amil Zakat untuk merealisasikan jaminan sosial atas zakat. Kegiatan ini juga tidak luput dari peran pemerintah dalam mendukung pelaksanaan zakat sebagai sumber dukungan untuk pelaksanaan jaminan sosial.Kata Kunci: Zakat, Jaminan Sosial, M.N Siddiqi.
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 Hilda Pradifta Ilham, Moh Imam Muslih Imtiyaz, Nakhwah Bahirotul Izzuddin, Muhammad Andik Jaudat Iqbal Harris 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