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Manajemen Risiko Operasional Bank Syariah; Teori dan Manfaat Hoirul Anam
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 5 No. 1 (2023): Jurnal At Tamwil, Maret 2023
Publisher : Institut Agama Islam Tribakti Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at.v5i1.1476

Masalah yang sering dihadapi perbankan di era saat ini sangat bervariatif, tergantung pengeloaan oprasional masing-masing. Artikel ini bertujuan untuk memberi Khazanah keilmuan tentang teori manajemen risiko oprasional bank syariah serta manfaat dari pengelolaannya. Serta mengungkapkan factor-faktor yang sering menjadi penyebab dan akibat dari kesalahan manajemen oprasional yang tidak maksimal. Dengan menggunakan penelitian kualitatif deskriptif yang didukung data sekunder dari berbagai sumber. Hasil penelitian menunjukkan bahwa manajemen oprasional sangat penting bagi keberlangsungan bank syariah diamasa mendatang, disamping itu manfaat yang dapat diterima menunjukan kontribusi manajemen yang baik dapat maminimalisir akibat kesalahan oprasional yang tidak diinginkan.

THE CONCEPT ILLAT OF USURY ON MONEY FROM THE PERSPECTIVES OF THE FOUR MADZHAB AND CONTEMPORARY ULAMA Anam, Hoirul; Fauzi, Ahmad; Nurohman, Dede
istinbath Vol. 23 No. 2 (2024): December
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v23i2.689

The concept of usury in money is still unclear when it has not been studied, apart from the differences in the opinions of the four madhhab priests regarding usury, this is also caused by the limitations of our minds to capture the wisdom and lessons revealed by Allah SWT, as well as the increasingly modern era which demands new problems. which cannot be completely resolved, therefore it has become a taboo subject since ancient times until today. This paper contains taboos to be explained more clearly. This study uses a literature approach using the literature study method based on primary material, namely the book of al-fiqh al-Islami which is motivated by problems that exist in society. With the results of the study showing that the law of usury applies to money today, because there is a legal illat similar to gold and silver (Nuqud). And with this research, it is hoped that it can add to the body of knowledge in Islamic economics.

Entrepreneurial Values and Entrepreneurial Competencies in Business Sustainability Anam, Hoirul
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 1 (2025): Jurnal At-Tamwil Maret 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i1.7098

ABSTRACT Purpose - Entrepreneurship has a positive impact on Indonesia's still-developing economic growth. The urgency of achieving an advanced Indonesia must also be supported by good entrepreneurial development.Design/Methods – This research is descriptive qualitative to know the role of entrepreneurial values and competencies in the business continuity process of TB. Nusantara Ilmu Kediri.Findings – This research is descriptive qualitative to know the role of entrepreneurial values and competencies in the business continuity process of TB. Nusantara Ilmu Kediri. The results of this study indicate that entrepreneurial values have a good impact on the formation of a strong and resilient entrepreneurial character and have a role in the level of business continuity. Entrepreneurial competence has a role in a business's development, performance, and success. Research Implications/Limitations – The background of the lack of certification in the entrepreneurial world is caused by a lack of knowledge, socialization, and high costs.Originality/Value – Entrepreneurial values and competencies that are well implemented by entrepreneurs will have a good impact on the management and success of their businesses.Keywords: Entrepreneurial Values, Entrepreneurial Competencies, Certification, Business Sustainability

Application of Pentuple Bottom Line (PBL) as a Learning Model in Business Feasibility and Business Sustainability Study in SMEs Griya Madukara Malang City Mala, Iva Khoiril; Pratikto, Heri; Winarno, Agung; Hidayat, Rachmad; Anam, Hoirul; Sutantri
Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 10 No. 2 (2025): September
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v10i2.6644

This study aims to assess the business feasibility of Griya Madukara MSME from an environmental perspective, emphasizing how its practices contribute to both ecological and social sustainability. The research employed a descriptive qualitative approach, utilizing in-depth interviews, direct observation, and documentation. A total of 12 informants were involved, including the business owner, seven employees from different divisions, two regular customers, and two local community members participating in ecoprint training. The findings show that Griya Madukara adopts zero-waste principles, uses natural materials in its production, and converts organic waste into compost. Additionally, community involvement and empowerment are central to its sustainability strategy. The business aligns with the Pentuple Bottom Line framework (People, Planet, Profit, Phenotechnology, and Prophet), making it a viable and sustainable community-based MSME model.

Systematic Literature Review: Islamic Wealth Management Perspective Muhammad Fatchullah El Islami; Hoirul Anam; Nasrudin; Jakfar Shodiq
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 7 No. 2 (2025): Jurnal At-Tamwil September 2025
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v7i2.8099

Purpose – Islamic Wealth Management is a concept and teaching that helps individuals or groups manage assets in an Islamic manner. The fundamental difference between conventional and Islamic asset management lies in the limitations of acquiring, saving and spending in the halal sector. However, practically many people still ignore the importance of Islamic management. This study aims to reveal how to manage assets with the Islamic Wealth Management method. Design/Methods/Approach – This research uses a qualitative approach to Systematic Literature Review. The research data comes from a literature study of published journal articles in 2014-2023 with the help of Harzing Publish or Perish 8 software. Findings – The research results from 21 journal articles following the criteria show that asset management in the IWM concept is still limited in meeting primary needs. Many people ignore asset management in the aspects of wealth protection and wealth distribution. The use of Islamic financial institutions is still lacking, and many do not prioritize the distribution of wealth to religious interests. Research Implications/Limitations – The IWM concept provides a solution that Islamic wealth must be obtained from halal places, stored halal, spent on halal objects, as needed, and not wasteful by paying attention to the importance of 5 aspects of IWM, namely Wealth Creation, Wealth Accumulation, Wealth Protection, Wealth Spending, and Wealth Distribution. Allah guides his servants who have wealth to be used for the benefit of the world and the hereafter.

Manajemen Risiko Operasional Bank Syariah; Teori dan Manfaat Anam, Hoirul
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 5 No. 1 (2023): Jurnal At Tamwil, Maret 2023
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v5i1.3678

Masalah yang sering dihadapi perbankan di era saat ini sangat bervariatif, tergantung pengeloaan oprasional masing-masing. Artikel ini bertujuan untuk memberi Khazanah keilmuan tentang teori manajemen risiko oprasional bank syariah serta manfaat dari pengelolaannya. Serta mengungkapkan factor-faktor yang sering menjadi penyebab dan akibat dari kesalahan manajemen oprasional yang tidak maksimal. Dengan menggunakan penelitian kualitatif deskriptif yang didukung data sekunder dari berbagai sumber. Hasil penelitian menunjukkan bahwa manajemen oprasional sangat penting bagi keberlangsungan bank syariah diamasa mendatang, disamping itu manfaat yang dapat diterima menunjukan kontribusi manajemen yang baik dapat maminimalisir akibat kesalahan oprasional yang tidak diinginkan.

Application Segmentation , Targeting and Positioning in the UMKM Marketing Strategy in Indonesia Galih Fahmi Fadhillah; Hoirul Anam; Mashudi .
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 1 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i1.555

The increasing number of Micro, Small and Medium Enterprises (UMKM) in Indonesia has prompted attention to effective marketing strategies to help UMKM achieve success in the increasingly fierce business competition. Segmentation, targeting and positioning (STP) are important concepts in a marketing strategy that can help UMKM identify and reach target markets more effectively. This study aims to analyze the application of STP in the marketing strategy of UMKM in Indonesia. The research method used is descriptive analysis by collecting data through literature studies and interviews with MSME owners and experienced marketing practitioners. The results of the study show that through segmentation, UMKM can provide products or services that are more relevant and better meet the needs of the target market. Targeting helps UMKM to optimize the use of their resources by focusing on segments that have the potential to generate higher sales and profits. Then positioning helps UMKM differentiate themselves and build a strong image, thus creating a competitive advantage in an increasingly fierce market competition. However, there are still several challenges faced by UMKM in implementing STP effectively, including limited resources, limited understanding of the concept, and the need to continuously monitor and adapt their marketing strategies according to market changes.

OLD PROHIBITIONS AND NEW FACES: RIBA, GHARAR, AND MAYSIR IN CONTEMPORARY DIGITAL FINANCE Hoirul Anam; Muhammad Irsyad Elfin Mujtaba; Pavita Aqila Zeba; Selviana Anggraeni
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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

The rapid development of the digital economy has introduced financial innovations that enhance efficiency while simultaneously challenging the implementation of Sharia principles. Practices of riba, gharar, and maysir no longer appear in explicit traditional forms but are embedded in modern instruments such as interest-based online lending, conventional insurance, binary options, and speculative cryptocurrency trading. This study examines the continued relevance of these prohibitions in contemporary finance and analyzes the transformation of risks within modern contractual arrangements. Using a qualitative descriptive-analytical approach, the research draws upon classical fiqh literature and contemporary scholarly works. The findings reveal that although transaction mechanisms have evolved through digitalization, the substantive objectives of Sharia prohibitions remain consistent: preventing injustice, excessive speculation, and economic exploitation. Modern financial practices involving interest, high uncertainty, and speculative elements essentially replicate classical prohibitions in new forms. Therefore, strengthening Sharia-compliant financial innovation, adaptive regulation, and public financial literacy is essential to uphold justice, transparency, and risk-sharing in the digital financial system.

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