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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Bisnis Terapan EAJ (ECONOMICS AND ACCOUNTING JOURNAL) Al-Sharf: Jurnal Ekonomi Islam Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam

Ahmad Rajaul Masrur

STIE Bakti Bangsa

Author-ID : 2430463

Economics, Econometrics & Finance Social Sciences

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Articles

KEPUASAN MASYARAKAT TERHADAP PUBLIC SERVICE HALL DI KABUPATEN PAMEKASAN Musoffan Musoffan; Darwis Darwis; Ahmad Rajaul Masrur
Jurnal Bisnis Terapan Vol. 3 No. 01 (2019): Jurnal Bisnis Terapan
Publisher : Politeknik Ubaya

This study to assess community satisfaction with the public service hall in Pamekasan district as a breakthrough from the performance of the Pamekasan Regency Government.Retrieving data in this study by distributing questionnaires to the public using the Slovin Analysis formula used in this study, namely by using the public satisfaction index. The results of this study indicate that the Pamekasan Community Satisfaction Index towards Service Hall Public is 81,141 and based on the decision of the Minister of State Apparatus Number KEP / 25 / M.PAN / 2004 the value of the IKM is in the conversion interval value 62,51 - 81,25 with the predicate Good . The Public Service Hall in Pamekasan Regency was the first program in Madura and became the first breakthrough in Pamekasan Regency so that it received a certificate from the World-Indonesia Record Museum (MURI) category as the fastest district in establishing a Public Service Mall, this is nothing but the achievement of the District’s vision and mission Pamekasan headed to “Pamekasan Hebat“ which was Bhejjreh, Rajjheh and Parjhugeh.

PRUKADES (FEATURED PRODUCT OF RURAL AREA) IN INCREASING HOME INDUSTRY PRODUCTIVITY IN PAMEKASAN Ahmad Rajaul Masrur; Hajjatul Mabbruroh; Darwis Darwis
EAJ (Economic and Accounting Journal) Vol 2, No 3 (2019): EAJ (Economic and Accounting Journal)
Publisher : S1 Accounting Department, Faculty of Economic, Universitas Pamulang.

Low productivity in home industry which produces featured product in rural area in Pamekasan cannot cover entire market target nationally or internationally. Featured Product of Rural Area (PRUKADes) is the first program of 4 priority planned by Ministry of Village, Disadvantaged Regions and Trasmigration (Kemendes PDTT) aims to increase village competitiveness and company’s productivity in order the villagers gain higher income. Based on the statistic analytical test, a result is valid if r is bigger than r in table. In addition, data is considered reliable because the value of Cronbach's Alpha is 0,77 or more than 0,6. From double linear regression analysis, the value is 0,800. It shows that there is a strong relationship between home industry productivity (X) through X1 (workers quality), X2 (managing skill), and X3 (Input and Output process) and the increasing featured product of rural area in Pamekasan (Y). The value is 64,0% and it is quite big. The rest is 36,0% and it is influenced by other factors that excluded from this research. Entirely, the research is done by F test F (ensemble regressed coefficient); that is, there is a relationship between home industry productivity (X) and the increase of featured product in rural area in Pamekasan (Y

PENGANGGURAN DAN POTENSI EKONOMI KREATIVE MADURA Akh. Fawaid; Ahmad Rajaul Masrur; USWATUN HASANAH
Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam Vol 4 No 01 (2021): Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam
Publisher : STIE Bakti Bangsa Pamekasan

Suramadu Bridge which stretches and brings Madura and Surabaya together, has not yet been able to absorb unemployment in Madura. The proof, the number of unemployment found in four districts in Madura, is still very high. While on the other hand, Madura has quite a lot of creative economic potential. Both culinary, work and cultural arts that have the potential to be sold. This research uses descriptive qualitative method. This method is used, to fully understand the problem of high unemployment and creative economic potential that can be developed to address the high unemployment solution in Madura. The data source is free directional interview. Which is reinforced by some existing literature.

Transformative Credit Assessment Model (TCAM): Reconstructing the Role of the Credit Analyst as a Catalyst for Financial Inclusion in Sharia Microfinance Ahmad Rajaul Masrur; Darwis Darwis; Fahrurrozi Fahrurrozi
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 3 (2026)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i3.13862

Financial inclusion in Islamic microfinance continues to face a structural tension between prudent risk management and access for micro-borrowers who have limited formal financial records, unstable income, thin credit files, and insufficient collateral. This article proposes a Transformative Credit Assessment Model (TCAM) that reconstructs the role of the credit analyst from a conventional risk gatekeeper into an inclusion catalyst. The study employs a qualitative conceptual approach using a structured narrative review of recent national and international literature on Islamic microfinance, asymmetric information, credit scoring, alternative data, digital finance, financial inclusion, and Shariah governance. The synthesis identifies that conventional assessment is frequently constrained by document dependence and the inability to capture informal economic, behavioral, social, and community information. The model transforms the analyst's workflow into four sequential functions: risk gatekeeping, risk interpretation, relationship-based assessment, and inclusion catalysis. The proposed model is expected to reduce information asymmetry, decrease avoidable credit rationing, improve borrower bankability, and expand sustainable Islamic financial inclusion. The article's main contribution is a conceptual framework that connects asymmetric information theory, relationship-based microfinance, digital credit assessment, and maqashid al-shariah into a single operational model for Islamic microfinance institutions.

DIGITALISASI EMAS DALAM PERSPEKTIF SYARIAH: STUDI PADA EKOSISTEM BULLION BANK INDONESIA Ahmad Rajaul Masrur; Moh Holis; Musoffan
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 05 (2025): JIEI : Vol. 11, No. 05, 2025
Publisher : ITB AAS Indonesia

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

This study aims to analyze the implementation of gold digitalization within the Bullion Bank ecosystem from a sharia perspective. The research is motivated by the rapid advancement of financial technology and the rising public interest in digital gold investment as a secure and sharia-compliant asset. Using a qualitative descriptive approach with a case study method, data were collected through interviews, document analysis, and literature review. The findings reveal that Bullion Bank integrates blockchain technology, sharia-compliant contracts (akad), and physical gold custodianship to ensure transparency and asset-backing (tangible underlying). The system complies with key sharia principles, such as avoiding riba (interest) and gharar (uncertainty), and ensuring qabdh hukmi (legal possession). Moreover, the application of smart contracts within blockchain technology strengthens transaction validity and ownership records in accordance with Islamic law. However, challenges remain in harmonizing regulations, conducting periodic sharia audits, and improving consumer literacy regarding digital gold ownership. The study contributes to the academic discourse on Islamic fintech by demonstrating how modern financial innovation can align with fiqh muamalah. It also offers strategic insights for regulators and industry stakeholders to develop sustainable, transparent, and sharia-compliant digital gold ecosystems in Indonesia. Keywords: digital gold, sharia, Bullion Bank, blockchain, Islamic fintech

Co-Authors Akh. Fawaid Darwis Darwis Fahrurrozi Fahrurrozi Hajjatul Mabbruroh Moh Holis MUSOFFAN USWATUN HASANAH

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