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All Journal FADZAT Jurnal Ekonomi Syariah
Indrawati, Peni
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Religion Humanities

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Standar Operasional Produk Pembiayaan dalam Akad Murabahah pada Bank Muamalat Indrawati, Peni
FADZAT: Jurnal Ekonomi Syariah Vol. 3 No. 2 (2023): Edisi Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58787/fdzt.v4i1.46

Abstract

The Islamic banking system is a system of the real sector of a country's economy that operates based on Islamic sharia principles which are identical to profit sharing. Meanwhile, the purpose of this study is to identify and describe the form of the contract and operational standards of murabahah financing products and to analyze the application of sharia principles in murabahah financing contracts at Bank Muamalat Surabaya. The results showed that: (1) The form of contract and operational standards of murabahah financing products at the Darmo branch of Muamalat bank with reference to the provisions of the Sharia Banking Law, BI (Bank Indonesia), OJK (Financial Services Authority) and DSN-MUI Fatwa still exist. Some things that need to be considered are the principles of transparency and openness in order to avoid asymmetric information in murabahah transactions. (2) The application of sharia principles in the murabahah financing contract at the Darmo branch of the Muamalat bank is in accordance with the Sharia Banking Law and the Fatwa of the DSN-MUI, where financing is based on Islamic principles, that is, does not contain elements of usury, maisir, garar, haram, and unjust . This prohibition is in line with maqasid sharia in order to prevent harm (daf'ul-mafasid), bring benefit (jalbul-maslahah), and maintain five basic things namely religion, soul, mind, lineage, and property.
Integrasi Prinsip Ekonomi Syariah dalam Pertanian Berkelanjutan: Analisis Kasus Penggarapan 10 Hektar Lahan oleh Mahasiswa STIES Riyadlul Jannah Mojokerto di Desa Sumber Sumur, Krembung, Sidoarjo Indrawati, Peni
FADZAT: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2022): Edisi Desember
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58787/fdzt.v3i1.56

Abstract

This research investigates the practice of Sharia-based agriculture conducted by 15 students from STIES Riyadlul Jannah Mojokerto, who were accompanied by Gus Abdulloh as a field supervising lecturer. The focus of the research is the cultivation of 10 hectares of land in Sumber Sumur Village, Krembung District, Sidoarjo Regency. With two harvests per year, each producing 27 tons, this study explores the impact of this practice on aspects of Sharia Economics. The cultivation process is carried out every morning from Monday to Thursday. The aim of this research is to identify the contribution of agricultural practices to fair income distribution, environmental sustainability, and the implementation of Sharia Economic principles. A qualitative research method was used to evaluate the participation of students and supervising lecturers in applying Sharia economic values in agricultural practices. The results of the study indicate that this agricultural practice successfully achieved high productivity while upholding the values of Sharia Economics. Fair income distribution among team members, attention to environmental sustainability, and the application of Sharia principles in economic transactions are key characteristics of this land cultivation.
Strategi Marketing Pada Perusahan Jasa Packaging Study UD Graha Cipta Packaging Surabaya Indrawati, Peni
FADZAT: Jurnal Ekonomi Syariah Vol. 4 No. 2 (2024): Edisi Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58787/fdzt.v4i2.96

Abstract

Strategi pemasaran memainkan peran krusial dalam keberhasilan perusahaan jasa packaging dalam pasar yang kompetitif saat ini. Perusahaan jasa packaging harus mempertimbangkan berbagai faktor strategis untuk membangun keunggulan kompetitifnya dan memenuhi kebutuhan pelanggan dengan efektif..Strategi  pemasaran  adalah  serangkaian  tindakan  terpadu  menuju  keunggulan  kompetitif  yang berkelanjutan. Tujuan akhir dan konsep, kiat dan strategi pemasaran adalah kepuasan pelanggan sepenuhnya (“total Customer Statisfaction”). Kepuasan pelanggan sepenuhnya bukan berarti memberikan kepada apa yang menurut kita keinginan dari mereka, tetapi apa yang sesungguhnya mereka inginkan serta kapan dan bagaimana mereka inginkan. Atau secara singkat adalah memenuhi kebutuhan pelanggan. Salah satu strategi pemasaran yang dapat diambil oleh perusahaan adalah bauran pemasaran (marketing mix).Dalam menjalankan bisnis jasa, juga dibutuhkan adanya strategi pemasaran. Namun sebelum menentukan strategi pemasaran yang akan digunakan, perlu diperhatikan bahwa strategi pemasaran jasa berbeda dengan strategi pemasaran bisnis yang menyediakan produk atau barang. Bisnis jasa lebih cenderung memberikan pelayanan kepada konsumen dengan berhubungan langsung, oleh karena itu bisnis jasa mengukur keberhasilan strategi pemasaran dengan tingkat kepuasan yang diperoleh konsumen
Akselerasi Baru Dalam Perkembangan Ekonomi Syariah di Indonesia Indrawati, Peni
FADZAT: Jurnal Ekonomi Syariah Vol. 5 No. 2 (2025): Edisi Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

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

Abstract

Perkembangan ekonomi syariah di Indonesia menunjukkan tren yang positif namun masih memerlukan akselerasi untuk mencapai potensi optimal. Islamic finance in Indonesia has shown significant development. (Iswanto, 2023) The development of sharia finance will increase the growth of sharia banks that operate and will have a positive impact on Islamic banks. Penelitian ini menganalisis kondisi terkini, tantangan, dan peluang pengembangan ekonomi syariah di Indonesia dengan menggunakan pendekatan analisis literatur komprehensif. Indonesia is currently the country with the largest Muslim population in the world. (Khairunnisa, 2022) The total Muslim population of 80% makes an Islamic-based economy possible to expand widely related to fashion, culinary, tourism, cosmetics, and various topics. Hasil penelitian menunjukkan bahwa meskipun terjadi pertumbuhan signifikan dalam sektor keuangan syariah, namun masih terdapat kesenjangan antara potensi dan realisasi. In addition, the level of Islamic financial literacy (8.93%) and the Islamic financial inclusion index (9, 1%) which is still very low is also an obstacle in the development of sharia fintech in Indonesia. (Saputra, 2022) Penelitian ini merekomendasikan perlunya strategi akselerasi baru yang mencakup peningkatan literasi keuangan syariah, inovasi produk, penguatan regulasi, dan pengembangan sumber daya manusia. Temuan ini memberikan kontribusi penting bagi pengambil kebijakan dalam merumuskan strategi pengembangan ekonomi syariah yang lebih efektif dan berkelanjutan.
Ekonomi Syariah dan Dampaknya di Indonesia: Kontribusi terhadap Pembangunan Berkelanjutan Indrawati, Peni
FADZAT: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2024): Edisi Desember
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58787/fdzt.v5i1.210

Abstract

Sharia economy, based on Islamic principles such as fairness, transparency, and prohibition of usury, has become an important pillar in Indonesia's economic development. This study analyzes the impact of sharia economy on economic growth, financial inclusion, and the achievement of Sustainable Development Goals (SDGs) in Indonesia. Using a qualitative approach based on a literature review of 20 Scopus-indexed articles, this study explores how sharia economy supports sustainable development through financial instruments such as green sukuk, zakat, and productive waqf, as well as the integration of technologies such as FinTech and blockchain. The results show that sharia economy increases financial access for underserved communities, reduces poverty (SDG 1), promotes inclusive economic growth (SDG 8), and supports environmental sustainability (SDG 13). However, challenges such as low sharia financial literacy, suboptimal regulations, and the digital divide still hinder its full potential. This study recommends strengthening regulations, improving financial literacy, adopting technology, and multi-stakeholder collaboration to accelerate the impact of sharia economy in Indonesia.
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