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All Journal DERIVATIF Jurnal Ilmiah Ekonomi Islam Jurnal al-Ulum : Jurnal Pemikiran dan penelitian ke-Islaman KITABAH: Jurnal Akuntansi dan Keuangan Syariah Media Mahardhika Amwaluna Jurnal Ekonomi dan Keuangan Syariah Justisia Ekonomika Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmiah Edunomika (JIE) El-Qist : Journal of Islamic Economics and Business (JIEB) GUYUB: Journal of Community Engagement Jurnal Nasional Manajemen Pemasaran dan SDM Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah IJED: International Journal of Economy Development Research Assets Journal
Gufron, Moh Idil
Fakultas Agama Islam Universitas Nurul Jadid, Probolinggo, Indonesia
Religion Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Library & Information Science Mechanical Engineering Social Sciences Other

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Infrastructure Development And Socio-Economic Disparities In Indonesian Society Moh Idil Ghufron; Ahmad Ali Bustomi
IJED: International Journal of Economy Development Research Vol 1, No 2 (2022)
Publisher : IJED: International Journal of Economy Development Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v1i2.5719

Abstract

Infrastructure development is a good concept for managing the country. In addition, infrastructure development is also an important aspect in increasing economic growth because it can create jobs, reduce poverty and increase per capita income. However, this development also has a significant impact on the socio-economic community. Infrastructure disparities between regions are one of the factors driving economic disparities between regions. Within the territory of Indonesia, this issue is interesting to study and explore, especially since the government is currently prioritizing infrastructure development in various regions in Indonesia.  
Implementasi Prinsip Prudential Banking Pada Tabungan Easy Mudharabah Untuk Meningkatkan Kepercayaan Nasabah (Studi Kasus Bank Syariah Indonesia Kc Probolinggo) Moh. Idil Ghufron; Saifuddin Saifuddin; Achmad Febrianto; Jui Amalia; Muh Hamzah
JURNAL ILMIAH EDUNOMIKA Vol 8, No 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.13719

Abstract

Pentingnya implementasi prinsip prudential dalam industry perbankan tidak dapat dipandang remeh, terutama dalam konteks produk tabungan. Penelitian ini membahas Upaya implementasi prinsip prudential banking pada produk tabungan easy mudharabah dengan tujuan meningkatkan kepercayaan nasabah. Prinsip prudential, yang mencakup pengelolaan risiko, kepatuhan, dan transparansi, dianggap sebagai fondasi yang krusial dalam memastikan kestabilan sector perbankan. Tabungan easy mudharabah, sebagai produk berbasis prinsip ekonomi islam, menawarkan pendekatan berbagi keuntungan dan kerugian antara bank dan nasabah. Oleh karena itu, diperlukan penerapan prinsip prudential untuk memitigasi risiko yang mungkin timbul akibat fluktuasi pasar atau perubahan kondisi ekonomi. Kepercayaan nasabah, sebagai elemen utama dalam hubungan perbankan, menjadi focus utama dalam penelitian ini. Dengan mengintegrasikan prinsip prudential banking pada tabungan easy mudharabah, diharapkan dapat memperkuat dasar kepercayaan nasabah terhadap produk ini. Ketersediaan informasi yang jelas dan akurat mengenai kebijakan perbankan, manajemen risiko yang baik, dan kepatuhan terhadap prinsip-prinsip ekonomi islam dapat menciptakan lingkungan yang lebih transparan dan dapat diandalkan nasabah. Penelitian ini bertujuan untuk mengkaji implementasi prinsip-prinsip prudential banking pada produk tabungan easy mudharabah dengan focus pada peningkatan kepercayaan nasabah. Dalam menghadapi kompleksitas lingkungan perbankan syariah, penelitian ini menggunakan metode deskriptif dengan pendekatan kualitatif untuk memberikan pemahaman mendalam tentang bagaimana prinsip-prinsip tersebut diterapkan dan dampaknya terhadap kepercayaan nasabah. Penelitian ini bertujuan untuk memahami sejauh mana prinsip-prinsip tesebut dapat memberikan keuntungan dan membangun kepercayaan nasabah terhadap produk tabungan berbasis mudharabah. Penelitian ini memberikan pandangan holistic tentang bagaimana penerapan prinsip-prinsip prudential banking dapat menjadi pendorong penting dapat meningkatkan kepercayaan nasabah terhadap produk tabungan easy mudharabah, sementara juga memberikan kontribusi pada pengembangan praktik keuangan islam yang lebih inklusif dan berkelanjutan.
Building Financial Inclusion: The Role of Rural Banks and Cooperatives as Motors of Micro and Medium Economic Growth Moh. Idil Ghufron; Ariska Anggraini; Riskina Fauziyah; Holifah; Yayi Wulandari
Assets Journal: Journal of Economic and Business Vol. 2 No. 2 (2024): Education Of Economic And Financing
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

This study aims to examine the role of rural banks (BPR) and cooperatives in supporting the economic growth of the Micro, Small and Medium Enterprises (MSMEs) sector in Indonesia. The research method used is qualitative research with a descriptive approach. Data were collected through literature studies from various related literature. The results showed that MSMEs have an important role in the structure of the Indonesian economy, contributing more than 99% of GDP and absorbing most of the workforce. However, its existence also faces challenges and limitations, such as capital problems, production techniques, market share, management, and licensing. BPR and cooperatives have a strategic role in supporting the MSME economy. BPR provides funds distribution to MSMEs in the form of working capital loans, while cooperatives act as business entities consisting of individuals or legal entities with the principles of kinship and mutual assistance. Efforts to strengthen the MSME sector continue to be carried out by the government, the private sector, and the community. Collaboration between financial institutions, including rural banks and cooperatives, with Islamic economic principles has also been tested.
ECONOMIC EMPOWERMENT STRATEGY OF THE YOUNGER GENERATION THROUGH DIVERSIFICATION OF MULTIPLE BUSINESS BUSINESSES IN INCREASING ECONOMIC GROWTH IN UTAMA RAYA BEACH, SITUBONDO Moh. Idil Ghufron; Ismi Lailiyatil Wardah; Maudy Sulis Setya Ningsih
Assets Journal: Journal of Economic and Business Vol. 2 No. 1 (2024): Financial Planning Analysis
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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Abstract

This research discusses economic empowerment strategies for the younger generation in Situbondo district. In this contemporary era, the problems faced by the younger generation, especially in Situbondo regency in finding work, have become an increasingly deep and troubling issue. This is related to the lack of skills possessed by the younger generation who incidentally are in the Pantura area and consider that the profession as a fisherman is not in accordance with the lifestyle of the younger generation today. This factor causes the younger generation to face difficulties in finding jobs that suit their wishes. Another factor that contributes to this problem is the lack of employment because it is included in the Pantura Area. Utama Raya Beach stands with business diversification, including gas stations, rest areas to lodging utilizing sea destinations on the north side of its business place. The purpose of this study is to explain the strategy of empowering the younger generation in improving the economy in Situbondo district and knowing the new business model through multiple business differentiation.The research methods used include surveys, interviews, and secondary data analysis to get a comprehensive picture of millennials' economic empowerment and the challenges they face. The results of this study show that the multiple business-based business diversification strategy has succeeded in attracting the interest of the younger generation because the business offer from the management has succeeded in attracting the interest of the younger generation in Situbondo
WhatsApp Marketing Strategy in Building Brand Awareness of Multi-Brand Muslim Fashion Products Wasilatul Maufiroh; Moh. Idil Ghufron
Jurnal Nasional Manajemen Pemasaran dan SDM Vol. 7 No. 2 (2026): Jurnal Nasional Manajemen Pemasaran dan Sumber Daya Manusia
Publisher : Training & Research Institute - Jeramba Ilmu Sukses

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/jnmpsdm.v7i2.3463

Abstract

WhatsApp, as a messaging app, is used by the Ely Collection store to send product promotion messages. This study aims to analyze the marketing method used by Ely Collection through the WhatsApp channel to build multi-brand Muslim fashion products in Pajarakan. The background of this research is the increasingly fierce competition in the Muslim fashion industry and the shift from conventional to digital marketing, especially among micro businesses that rely on direct consumer communication. This study uses a qualitative case study approach. Data was obtained through in-depth interviews, observations, and documentation, then analyzed using qualitative descriptive techniques. The results of the study show that WhatsApp is the primary medium for promotion, communication, and transactions, with users using status, catalog, and direct message features. This strategy can increase interaction and closeness with consumers and encourage customer loyalty. However, marketing effectiveness remains suboptimal due to obstacles such as inconsistent promotions, low sales conversion rates, and weak brand awareness stemming from multi-brand business models. This study concludes that WhatsApp has an important role in supporting relationship-based digital marketing in local Muslim fashion businesses. Strategic optimization, planned and consistent, is necessary to strengthen brand identity and improve sales performance.
ANALYSIS OF THE USE OF DIGITAL PAYMENT METHODS (QRIS) IN MIE SAMYU MSMES IN INCREASING CONSUMER SATISFACTION Moh. Idil Ghufron; Hanin Fara Atiqoh; Dwi Nurul Hidayati
JURNAL PROFIT Vol 9, No 2 (2025): Economic And Financial Institutions
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i2.13363

Abstract

Digital transformation in the financial sector has encouraged the presence of technology-based payment methods, one of which is the Quick Response Code Indonesian Standard (QRIS). This innovation is designed to simplify and accelerate the transaction process, as well as increase financial inclusion, especially for Micro, Small and Medium Enterprises (MSMEs). This study aims to analyze the extent to which the use of QRIS digital payment methods affects the level of consumer satisfaction in Mie Samyu MSMEs, a culinary business that has implemented QRIS in its operations. This research uses a qualitative paradigm with a case study approach. Data was collected through in-depth interviews, participatory observations, and documentation of Mie Samyu MSME owners, employees, and customers. The data analysis technique used is thematic analysis, which aims to identify patterns of consumer perception of the use of QRIS in their transaction experience. This research is expected to be able to fill the empirical gap regarding the impact of the use of QRIS on the MSME sector specifically and answer the research gap in the academic literature related to the relationship between digital payment methods and consumer satisfaction in the culinary sector. The results of this research are also expected to make a practical contribution in encouraging the digitalization of MSMEs in a sustainable manner and become a reference for public policies in optimizing the use of QRIS as a national digital economy instrument.
STRATEGY FOR OPTIMIZING THE UTILIZATION OF PRODUCTIVE ZAKAT IN THE PERSPECTIVE OF SHARIA ECONOMICS: A CASE STUDY OF BAZNAS BONDOWOSO REGENCY siti jamila; Moh. Idil Ghufron
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 10 No 1 (2026): Juni
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v10i1.31344

Abstract

This study examines strategies for optimizing the utilization of productive zakat in the economic empowerment of mustahik at BAZNAS Bondowoso Regency. The study uses a qualitative case study approach conducted through semi-structured interviews, documentation, and field findings. The informants consisted of BAZNAS administrators, zakat management officers, program companions, administrative staff, and mustahik who received productive business assistance. The data were analyzed using data reduction, data presentation, and conclusion drawing, while data validity was strengthened through source triangulation, technique triangulation, and member checking. The findings show that productive zakat optimization is implemented through five main strategies: administrative and field-based mustahik selection, provision of business tools according to business needs, business mentoring, program monitoring, and strengthening zakat fundraising. Productive zakat contributes to increasing mustahik income, creating independent business opportunities, reducing dependence on informal work, and strengthening local economic activities. However, the program still faces limitations in zakat funds, human resources, and structured monitoring systems. The study contributes to Islamic economic literature by showing that productive zakat can function as a sustainable empowerment instrument when managed through integrated selection, assistance, supervision, and institutional capacity building based on maqasid al-sharia principles.
Co-Authors Achmad Febrianto Ahmad Ali Bustomi Amirotil Ummah Ariska Anggraini Dwi Nurul Hidayati Faizatul Aliyah Fathudin Fathudin Fitria Fitria Hanin Fara Atiqoh Holifah Inas Fahmiyah Irtifah Irtifah Ismi Lailiyatil Wardah Jui Amalia Maudy Sulis Setya Ningsih Moch. Rahmadtullah Muh. Hamzah Nur Hairi Riskina Fauziyah Saifuddin Shafwan Tsauri siti jamila Siti Maryam Siti Ruqayyah Sri Nurul Ulif Al Inayah Sulis Nada Wasilatul Maufiroh Yayi Wulandari Yunita Nurmelinda