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All Journal El Dinar Jurnal Ekonomi Syariah Teori dan Terapan Jurnal Ekonomi dan Bisnis Islam Falah : Jurnal Ekonomi Syariah Al-Mustashfa Jurnal Ilmiah Ekonomi Islam al-Uqud : Journal of Islamic Economics Dinamisia: Jurnal Pengabdian Kepada Masyarakat At-Tawassuth: Jurnal Ekonomi Islam JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Istinbath: Jurnal Hukum dan Ekonomi Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Iqtishoduna: Jurnal Ekonomi Islam International Journal of Islamic Business and Economics (IJIBEC) LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Jurnal ABDINUS : Jurnal Pengabdian Nusantara Ihsan: Jurnal Pengabdian Masyarakat Jurnal Pengabdian UNDIKMA Journal of Islamic Economics and Finance Studies EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Indonesian Journal of Islamic Economics and Business Ilomata International Journal of Social Science Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Komitmen : Jurnal Ilmiah Manajemen PROFICIO: Jurnal Pengabdian Masyarakat Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Maliyah : Jurnal Hukum Bisnis Islam Abimanyu: Journal of Community Engagement Jurnal Ekonomika dan Bisnis Islam Nomicpedia: Journal of Economics and Business Innovation Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Indonesian Journal of Society Development (IJSD) Journal of Islamic Economics Lariba International Journal of Islamicate Social Studies International Conference on Islamic Economic Jurnal Maps (Manajemen Perbankan Syariah) International Journal of Educational Research Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Socio Religia International Journal of Islamic Business and Economics (IJIBEC) Journal Creative Economics and Trading Halal Ecosystem ZISWAF: Jurnal Zakat dan Wakaf Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Fikriyah, Khusnul
Department Of Islamic Economics, Faculty Of Economics And Business, Universitas Negeri Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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STRATEGI PEMBERDAYAAN UMKM BERBASIS BRANDING DAN DIGITAL MARKETING DALAM MENINGKATKAN DAYA SAING EKONOMI LOKAL: STUDI KASUS PKK WIYUNG, SURABAYA Fitriah Dwi Susilowati; Ahmad Ajib Ridlwan; Khusnul Fikriyah; Yan Putra Timur; Muhammad Widyarta Wijaya
Jurnal Pengabdian Masyarakat FKIP UTP Vol 7 No 1 (2026): PROFICIO : Jurnal Abdimas FKIP UTP
Publisher : FKIP UNIVERSITAS TUNAS PEMBANGUNAN SURAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36728/jpf.v7i1.5841

Abstract

Kegiatan pemberdayaan masyarakat melalui penguatan branding dan optimalisasi digital marketing menjadi kebutuhan strategis bagi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di era transformasi digital. Artikel ini membahas strategi pemberdayaan UMKM berbasis branding dan digital marketing yang diterapkan kepada kelompok UMKM PKK Wiyung, Surabaya. Tujuan kegiatan ini adalah untuk meningkatkan daya saing ekonomi lokal melalui peningkatan kapasitas literasi digital, kemampuan pemasaran daring, serta penguatan identitas produk lokal. Metode yang digunakan dalam kegiatan ini adalah participatory action research (PAR) dengan pendekatan capacity building dan digital branding workshop. Hasil menunjukkan bahwa melalui pelatihan branding, pengelolaan media sosial, dan pendampingan pembuatan konten digital, pelaku UMKM PKK Wiyung mengalami peningkatan signifikan dalam hal kesadaran merek (brand awareness), peningkatan volume penjualan, serta perluasan jangkauan pasar. Selain itu, kegiatan ini juga menumbuhkan semangat kemandirian ekonomi dan memperkuat kohesi sosial di lingkungan masyarakat. Artikel ini menegaskan bahwa pemberdayaan berbasis branding dan digital marketing merupakan strategi efektif dalam memperkuat ketahanan ekonomi lokal di era ekonomi digital.
ZAKAT PAYMENT INCLUSION IN INDONESIA: A DESCRIPTIVE ANALYSIS OF ZAKAT MAAL COLLECTION, 2006–2015 Canggih, Clarashinta; Fikriyah, Khusnul; Yasin, Ach.
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 3 No. 1 (2017): JANUARI-JUNI 2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (727.697 KB) | DOI: 10.20473/jebis.v3i1.3164

Abstract

This paper aims to find out the amount of zakat fund collection, particularly zakat maal in Indonesia. Numbers of zakat fund collected is used to see zakat inclusion from the perspective of zakat payment of Indonesian. This paper uses descriptive quantitative through secondary data collection from several sources. The result shows that the realization of zakat fund collection in Indonesia increases during 2006-2015, so does the number of people who pay zakat. However, it can be seen that the zakat payment inclusion of Indonesian people is still low. The number of people who paid zakat is lower compare to the number of people who are obligated. It need further research to divulge the reason.
ANALISIS STABILITAS KEUANGAN BANK SYARIAH: PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON-PERFORMING FINANCING (NPF), DAN FINANCING TO DEPOSITE RATIO (FDR) TERHADAP PROFITABILITAS BANK MUAMALAT INDONESIA PERIODE 2013-2024 Fuadi, Ahmad Masyaril; Rafli, Achmad Raihan; Mauliddiana, Rizka; Ramadhani, Arya; Fikriyah, Khusnul
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 4 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i4.18650

Abstract

This research examines the financial stability of Bank Muamalat Indonesia by analyzing the impact of the CAR, NPF, and FDR on the bank’s profitability, as measured by Return on Assets (ROA), over the 2013–2024 period. Employing a quantitative design with an associative causal framework, the study analyzes 48 quarterly observations derived from the formal financial reports of Bank Muamalat and the OJK. The dataset was processed using multiple linear regression supported by classical assumption diagnostics. Empirical findings reveal that CAR, NPF, and FDR jointly exert a significant impact on ROA, explaining 83% of the variation in profitability. On an individual level, CAR shows a positive yet statistically insignificant relationship with ROA, implying that adequate capital alone does not guarantee enhanced returns without efficient asset deployment. Conversely, NPF and FDR exhibit significant negative effects, indicating that rising credit risk and suboptimal fund allocation undermine profitability. These results highlight the necessity for Islamic banks to strengthen capital management, enforce prudent financing policies, and optimize liquidity strategies to sustain financial stability.
Integration of Maqashid Sharia in the Operations of Chemical Manufacturing Companies in Indonesia Humaidah, Lisma; Fahrullah, A’rasy; Fikriyah, Khusnul
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 2 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i2.22659

Abstract

Manufacturing activities increasingly face demands for ethical governance, worker protection, and environmental responsibility, yet maqāṣid al-sharīʿah is still more frequently operationalized in Islamic finance than in the real sector. This study examines chemical manufacturing operations at PT JM Mutu Utama through a maqāṣid al-sharīʿah review to clarify how operational policies align with maqāṣid objectives and what welfare-related performance implications emerge. A qualitative descriptive–analytical design was employed using semi-structured interviews with five purposively selected informants (QHSE Manager, HR Manager, and three operational staff), field observations, and document analysis (ISO-related certificates, SOPs, and internal reports). Data credibility was strengthened through source and technique triangulation, and analysis followed the Miles–Huberman interactive model. Findings indicate alignment across six maqāṣid dimensions (ḥifẓ al-dīn, al-nafs, al-ʿaql, al-nasl, al-māl, and al-bi’ah), reflected in OHS governance, structured welfare and compensation schemes, competency development, family-supportive policies, and environmental management practices. Welfare-related performance implications appear through enhanced economic security, improved workplace safety and comfort, and strengthened psychosocial well-being. Distributional gaps remain, particularly the limited institutionalization of religious programs for warehouse employees, indicating inclusivity challenges. The study proposes an operational linkage framework connecting manufacturing instruments to maqāṣid objectives to support employee welfare and corporate sustainability in the chemical manufacturing context.Keywords: chemical manufacturing; corporate sustainability; employee welfare; maqāṣid al-sharīʿah; occupational health and safety
Transformation of BRIS, BNIS, and BSM into BSI : A Comparative Analysis of Financial Performance Using CAR, NPF, FDR, and ROA Fuadi, Ahmad Masy'aril; Hady, Aufar Fadlul; Fikriyah, Khusnul
Jurnal Maps (Manajemen Perbankan Syariah) Vol. 9 No. 2 (2026)
Publisher : Masoem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/maps.v9i2.1918

Abstract

The transformation of three state-owned Islamic banks BRIS, BNIS, and BSM into BSI represents a strategic initiative by the government to strengthen the national Islamic banking industry. This study conducts an in-depth analysis of the financial performance  differences of the three banks before and after the merger during the 2016–2024 period, using the indicators CAR, NPF, FDR, and ROA. A quantitative method with a descriptive approach and a Paired Sample T-Test was employed based on published financial statements. The findings indicate that, on average, financial performance improved after the merger. Significant differences were observed in the FDR and ROA ratios, both of which increased post-merger, whereas CAR and NPF Did not exhibit substantial changes. These analysis implies that the merger positively contributed to enhancing financing efficiency and profitability, although it has not yet had a substantial impact on capital adequacy or financing quality. This research is anticipated to act as a guide for government decision-making, regulators, and industry practitioners in assessing the effectiveness of consolidation efforts within Indonesia’s Islamic banking sector.
The Influence of Islamic Branding and Endorsement on Muslim Consumer Loyalty with Consumer Trust as a Mediating Variable (Case Study of Hijab Zoya) Nadiah Masyahnda Salsabila; Khusnul Fikriyah
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v5i1.464

Abstract

This study aims to examine the effect of Islamic branding and endorsement on Muslim consumer loyalty, with consumer trust as a mediating variable, in the case of Zoya hijab products in Surabaya. This study used a quantitative research design and utilized primary data collected through an online questionnaire distributed to 211 respondents selected through purposive sampling. The data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach with the help of SmartPLS version 4.0 to assess the validity and reliability of the measurement instruments and to evaluate the structural relationships between variables in the proposed model. The findings show that Islamic branding and endorsement have a positive and significant effect on consumer trust. Furthermore, Islamic branding and endorsement also showed a positive and significant direct effect on consumer loyalty. Consumer trust itself was found to have a positive and significant impact on consumer loyalty. In addition, the results confirmed that consumer trust significantly mediated the relationship between Islamic branding and endorsement and consumer loyalty, indicating that marketing strategies based on Islamic values play an important role in strengthening customer consumer loyalty.
Pemberdayaan Produk Olahan Lokal Bersertifikat Halal untuk Meningkatkan Daya Saing UMKM: Pendekatan Berbasis Komunitas di Wiyung, Surabaya Fahrullah, A'rasy; Fikriyah, Khusnul; Ridlwan, Ahmad Ajib; Anwar, Moch Khoirul; Rofiqo, Azidni
Abimanyu : Jornal of Community Engagement Vol 7 No 1 (2026): February 2026 (In Press)
Publisher : Universitas Negeri Surabaya

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

Abstract

Di era digital, integrasi nilai-nilai Islam dengan praktik bisnis menjadi krusial bagi pertumbuhan ekonomi yang inklusif dan etis. Studi ini bertujuan untuk memberdayakan usaha mikro, kecil, dan menengah (UMKM) lokal di Wiyung, Surabaya, melalui pengembangan produk pangan olahan bersertifikat halal. Program ini mencakup sesi pelatihan dan pendampingan yang berfokus pada produksi halal, prosedur sertifikasi, strategi pemasaran digital, dan branding produk. Dengan menggunakan metode pra-tes dan pasca-tes yang melibatkan 25 wirausaha perempuan dari kelompok PKK setempat, studi ini mengamati peningkatan pemahaman peserta sebesar 50% tentang standar halal. Hasil studi ini menegaskan bahwa peningkatan literasi halal dan kapabilitas digital meningkatkan daya saing dan keberlanjutan UMKM lokal. Model ini dapat menjadi kerangka kerja yang dapat direplikasi untuk mempromosikan ekonomi halal dan nilai-nilai ESG di tingkat akar rumput.
PEMBERDAYAAN EKONOMI BERBASIS ZAKAT PRODUKTIF MELALUI BANTUAN ROMBONG UMKM BAZNAS KOTA SURABAYA AF, Abd Halim; Fikriyah, Khusnul
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 2 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i2.19575

Abstract

This study aims to analyze the implementation of an economic empowerment program for mustahik through the utilization of productive zakat in the form of UMKM food-cart assistance implemented by BAZNAS of Surabaya City and to identify factors influencing the success and failure of the program. This research employs a qualitative approach using an ethnographic method. Data were collected through in-depth interviews, field observations, and documentation involving 20 mustahik beneficiaries. Data analysis was conducted interactively through data reduction, data display, and conclusion drawing, while data validity was ensured through source and technique triangulation. The findings indicate that the UMKM food-cart program contributes positively to increased business activity and economic stability among some beneficiaries. However, the level of success varies across recipients. Program success is influenced by internal factors such as prior business experience, entrepreneurial motivation, and basic business management capabilities, as well as external factors including suitability of business type to local needs, strategic business location, and continuity of business mentoring. This study concludes that the effectiveness of productive zakat utilization depends not only on physical assistance but also on the interaction between mustahik capacity and the quality of program implementation.
Comparison of the Views of Classical Fiqh Ulama and Contemporary Fiqh Ulama on the Use of Zakat Maal for the Development of Educational and Da'wah Institutions Fikriyah, Khusnul
ZISWAF Vol 8, No 1 (2021): ZISWAF: Jurnal Zakat dan Wakaf
Publisher : UIN Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/ziswaf.v8i1.10519

Abstract

Nowadays, zakat paid by muzakki is channeled through an educational empowerment model, including scholarships for poor children. In addition to scholarships, the empowerment model also improved, zakat funds are also used for the development of Educational and Da'wah Institutions, including for schools, campuses, dormitories, and mosques. In At-Taubah 60, there is no mention of the Board of Education and Da'wah included in the asnaf who are entitled to receive zakat. Thus, the question arises as to how the legal position of the use of zakat funds for the benefit of the development of educational institutions and da'wah, whether the law is allowed according to sharia or not. This study used a qualitative library research method. The conclusion of this article states that zakat funds are allowed for the construction of educational and da’wah institutions, by using the reason for the "generality of interpretation" of the word sabilillah (في سبيل الله) in At-Taubah: 60 as one of the parties entitled to receive zakat. If the zakat funds for asnaf sabilillah still use the classical meaning, which means only for war, then the scope will be very narrow. In addition, at this time, jihad, which means war on the battlefield no longer exists, because it is considered a violation of human rights, and even if this kind of war is still being financed by the state.
Do Islamic Work Ethic and Shariah Marketing Mix Influence Muzakki Loyalty via Institutional Image? Fikriyah, Khusnul; Kusaeri, Kusaeri; Ritonga, Iskandar
ZISWAF Vol 11, No 1 (2024): ZISWAF: JURNAL ZAKAT DAN WAKAF
Publisher : UIN Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/ziswaf.v11i1.19124

Abstract

This study aims to examine both the direct and indirect effect of Islamic work ethic and sharia marketing mix variables on muzakki loyalty with institutional image serving as a mediating element. This examination was conducted at Amil Zakat Institution in East Java using quantitative methods. Data Collection was carried out using a survey method via questionnaire distributed to muzakki of Amil Zakat Institution in East Java. Subsequently, the data was further processed using SmartPLS 4. The results showed that both Islamic Work Ethic and Sharia marketing mix had a positive and significant direct effect on muzakki loyalty. Furthermore, indirect testing with institutional image as a mediating variable showed that Islamic Work Ethic and Sharia marketing mix positively and significantly influenced muzakki loyalty. These discoveries could be applied to improve zakat institution management, particularly in marketing and human resources, thereby enhancing muzakki loyalty and potentially increasing national zakat receipts in the long term.
Co-Authors Aang Kunaifi Abdul Hafidz Ach. Yasin Achmad, Dewi Nabila Adinda Putri Permata Hati AF, Abd Halim Ahmad Ajib Ridlwan Ahmad Ajib Ridlwan Ahmad Kani Hasbullah Alfianto, Titis Alisiya, Elinda Millenia Amalia Ruhana, Amalia Amirusholihin Amirusholihin Ananta Aime Nurulistya Ardana, Rezalistia Arta, Aris Danu Aulia Deva Ferdana Aulia Siska Puspita Dewi A’rasy Fahrullah A’rasy Fahrullah Cahyati, Anisa Nur Clarashinta Canggih Dennis Ulfan Nanda Devi Ayuni Dewi Aliyah Dwi Nabilah Nur Utari Elsa Rizki Yulindasari Fahrullah, Fahrullah, A’rasy Fara Agustine, Arinta Farisul Umam Azka Febrika Yogie Hermanto Fira Nurafini Firdiana, Erika Fitri Amelia Fitriah Dwi Susilowati Fresha Kharisma Fuadi, Ahmad Masy'aril Fuadi, Ahmad Masyaril Hady, Aufar Fadlul Harmain, Rizky Imani Humaidah, Lisma Insyirah Putikadea Ishmah Azizah Dwi Putri Iskandar Ritonga Kicky Camallya Arista Kusaeri Ladi Wajuba Perdini Fisabilillah Ladi Watjuba Perdini Lestari, Anisa Dea Lisma Humaidah LUCKY RACHMAWATI Maulana, Andriansyah Sulistyo Maulana, Luqman Maulana, Muhammad Iqbal Mauliddiana, Rizka Mishella Putri Alsya Aulia Moch. Khoirul Anwar Muh. Fahrurrozi Muhammad Farid Ilhamuddin Muhammad Widyarta Wijaya Muna, Arina Nadia Asandimitra Haryono Nadiah Masyahnda Salsabila Nayla Anissa Lahama Nikmatus Sholiqah Nikmatuz Zaidah Novita Sari Nurafini, Fira Nurfauzia, Vira Nurul Azizah Aunillah Devy Nurul Hanifa Nurul Hanifah Prabowo, Prayudi Setiawan Pramita, Adinda Dian pratiwi, dinda nurvianti Rachma Indrarini Rafli, Achmad Raihan Rahayu, Jofanda Putri Rahmalia, Icha Ramadhani, Arya Ramadhanty, Rizki Nadia Rasyidi Faiz Akbar Reni Widiyanti Rezqy, Vira Oktaviani Ridlwan, Ajib Rizky Aditya Ramadhan Rofiqo, Azidni Savitri, Dien Septyan budy Cahya Siti Khoiriyah Sri Abidah Suryaningsih Syakuro, Ahmad Abdan Sylvia Ira Dwi Novitasari Tri Setyawati Ulfa, Wulan Santika Umatin, Biba Ummah, Halizah Faridatul Uswatun Kasanah, Uswatun Veni Rafida Vivi Pratiwi Wira Yudha Alam Wulan Santikawati Ulfa Yan Putra Timur yasin, ach . Yuliana Jamilatul Azizah Zhulmi Pradana, Muhammad Asrul