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All Journal Studia Economica: Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam EQIEN - JURNAL EKONOMI DAN BISNIS Justisia Ekonomika Reswara: Jurnal Pengabdian Kepada Masyarakat El-Qist : Journal of Islamic Economics and Business (JIEB) ABIDUMASY : Jurnal Pengabdian kepada Masyarakat Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Diponegoro Journal of Islamic Economics and Business Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Journal Islamic Pedagogia Amal: Jurnal Ekonomi Syariah Afkaruna: International Journal of Islamic Studies (AIJIS) Pelita: Jurnal Studi Islam Mahasiswa UII Dalwa BIMA : Journal of Business and Innovation Management TIJAROTANA : Jurnal Ekonomi dan Bisnis Syariah JIES : Journal of Islamic Economics Studies Dinamis: Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian Masyarakat Manage
Musfiroh, Anita
Universitas Hasyim Asy’ari Tebuireng Jombang
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Analisis Peran Lembaga Keuangan Syariah Dalam Perekonomian Indonesia: Sebuah Pendekatan Library Research Wahyunitasari, Eka Dita; Sopingi, Imam; Musfiroh, Anita
JIES : Journal of Islamic Economics Studies Vol. 4 No. 2 (2023): Juni
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jies.v4i2.5749

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis peran lembaga keuangan syariah dalam meningkatkan perekonomian Indonesia dan mengidentifikasi dampak positif yang ditimbulkannya. Metode yang digunakan adalah kualitatif dengan pendekatan penelitian kepustakaan dari berbagai sumber terpercaya. Hasil penelitian menunjukkan bahwa lembaga keuangan syariah memberikan kontribusi yang signifikan dalam meningkatkan perekonomian Indonesia melalui beberapa mekanisme. Dari hasil penelitian disimpulkan bahwa lembaga keuangan syariah memiliki potensi yang besar dalam membantu meningkatkan perekonomian Indonesia melalui berbagai program dan inovasi. Namun demikian, masih diperlukan upaya untuk meningkatkan literasi dan edukasi masyarakat mengenai produk keuangan syariah dan manfaat penggunaannya bagi pertumbuhan ekonomi nasional. Untuk mengoptimalkan peran lembaga keuangan syariah dalam meningkatkan perekonomian Indonesia, diperlukan upaya yang berkesinambungan dari pemerintah, regulator, lembaga keuangan syariah, dan masyarakat secara keseluruhan.
Risk Perception Analyst and Investment Literacy Level in the Decision to Become an Investor in the Capital Market Kusnul Ciptanila Yuni K; Anita Musfiroh
JIES : Journal of Islamic Economics Studies Vol. 5 No. 1 (2024): Februari
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jies.v5i1.6148

Abstract

The aim of this research is to analyze the risk perception and level of investment literacy in becoming an investor in the capital market study of GI BEI FE UNHASY investors. In this research, researchers used qualitative methods, with the type of field research. data collection technique, using in-depth interview techniques to collect data by asking questions to the interviewee. The data obtained were then analyzed. The research results show that risk perception and investment literacy have the potential to influence students' interest in becoming investors in the capital market.
Analisis Fatwa DSN Terhadap Akad Rahn Pada Produk ARRUM di Pegadaian Syariah Surabaya Anita Musfiroh; Athi’ Hidayati; M. Syam’un Rosyadi
JIES : Journal of Islamic Economics Studies Vol. 5 No. 1 (2024): Februari
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jies.v5i1.6764

Abstract

Pada transaksi bermuamalah penting adanya suatu akad untuk mengikat transaksi, karena transaksi bermuamalah akan menjadi sah apabila akadnya benar menurut syara. Penelitian ini bertujuan untuk mengetahui secara spesifik bagaimana penerapan Fatwa DSN-MUI NOMOR 25/DSN-MUI/III/2002 terhadap akad Rahn pada produk arrum BPKB di Pegadaian Syariah cabang Babakan Surabaya. Penelitian ini menggunakan jenis penelitian terapan (applied research) dengan menggunakan metode penelitian kualitatif. Teknik pengumpulan data yang dilakukan yaitu melalui data primer dan data sekunder. Teknik analisis data yang dilakukan dalam artikel ini yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Dari data yang terkumpul penulis menganalisis dan mengevaluasi penerapam akad rahn di Pegadaian Syariah Babakan Surabaya dengan aturan mengenai akad rahn yang diatur dalam Fatwa DSN-MUI. Hasil penelitian menunjukkan bahwa Pegadaian Syariah tersebut belum memenuhi syarat akad rahn sesuai dengan Fatwa DSN-MUI No 25 tentang rahn, karena dalam prakteknya barang yang dijadikan agunan hanyalah surat atau BPKB kendaraanya saja bukan barangnya. Adapun praktik ARRUM BPKB itu lebih sesuai menggunakan akad rahn tasjily.
Redesigning a Circular Business Model Canvas (CBMC) for smallholder dairy farming: Financial feasibility and SDG alignment in Sarangan, Indonesia Yuni K, Kusnul Ciptanila; Hidayat, Nurul; Musfiroh, Anita
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 3 (2025): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v13i3.36620

Abstract

The Indonesian government has committed to implementing a circular economy, as outlined in its national roadmap to 2025. This study aims to redesign a Circular Business Model Canvas (CBMC) for smallholder dairy farming in Sarangan, Magetan, to enhance farmers’ income and welfare while promoting environmental sustainability. An exploratory mixed-methods design was employed, combining thematic analysis and expert judgment with financial feasibility assessment using the Benefit–Cost (B/C) ratio. The redesigned CBMC incorporates circular economy principles into dairy operations, emphasizing eco-conscious value propositions, diversified revenue streams, and multi-stakeholder partnerships. The results show that cheese processing, yogurt production, and the tourism café are financially viable under normal (B/C ≈ 2.4–2.5) and peak demand (B/C > 6) conditions but not under low-demand conditions (B/C < 1). The model also contributes significantly to the Sustainable Development Goals (SDGs), particularly SDG 8 (Decent Work and Economic Growth, 85%), SDG 6 (Clean Water and Sanitation, 80%), and SDG 7 (Affordable and Clean Energy, 75%), with lower contributions to SDG 12 (70%) and SDG 15 (60%). Key challenges include farmer resistance to adopting new practices, limited access to capital, and seasonal fluctuations in demand. The study addresses these barriers and offers strategies to ensure scalability. Overall, this research fills a gap in the application of circular business models in agrifood systems by integrating business model redesign, financial feasibility, and SDG mapping, providing a replicable framework for smallholder dairy–ecotourism communities in developing regions.
Analisis Implementasi Green Economy di Program Masyarakat Sejahterakan Petani (MSP) Mojokerto Berdasarkan Maqāṣid Sharīʻah Anita, Musfiroh; Kusnul , Ciptanila Yuni; Fajrul, Falah
BIMA : Journal of Business and Innovation Management Vol. 7 No. 3 (2025): Juni
Publisher : Prodi Manajemen Fakultas Ekonomi Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bima.v7i3.10206

Abstract

Penelitian ini mengkaji kontribusi Masyarakat Sejahterakan Petani (MSP) Mojokerto dalam mengatasi permasalahan penumpukan sampah di Tempat Pembuangan Akhir (TPA) Mojosari melalui penerapan kerangka ekonomi hijau. Fokus penelitian diarahkan pada tiga aspek utama, yaitu perumusan kebijakan terkait ekonomi hijau, implementasi kebijakan tersebut, serta relevansinya dalam perspektif maqāṣid sharīʻah. Penelitian ini menggunakan desain kualitatif dengan pendekatan penelitian kebijakan. Data diperoleh melalui wawancara, observasi, dan analisis dokumen, serta didukung oleh teori ekonomi hijau, pengelolaan sampah, dan maqāṣid sharīʻah. Analisis data dilakukan melalui tahap reduksi, penyajian, dan verifikasi. Hasil penelitian menunjukkan bahwa MSP Mojokerto telah merancang program jangka pendek, menengah, dan panjang untuk mengembangkan ekonomi hijau; namun pelaksanaannya masih terkendala oleh keterbatasan sumber daya manusia serta sarana pengelolaan sampah yang belum memadai. Program yang dijalankan meliputi budidaya maggot, budi daya ikan lele dan nila, pemanfaatan lindi, serta produksi paving block dan genteng polysen berbahan sampah. Inisiatif tersebut memberikan dampak ekologis, sosial, dan ekonomi yang signifikan, seperti pengurangan pencemaran, pemberdayaan masyarakat, serta terciptanya peluang ekonomi baru. Dalam kerangka maqāṣid sharīʻah, upaya ini selaras dengan nilai keberlanjutan, kemaslahatan, dan manfaat bagi masyarakat. Penelitian ini merekomendasikan optimalisasi pelaksanaan program guna memastikan keberlanjutan pengembangan ekonomi hijau di MSP Mojokerto
Pengaruh Sikap Dan Keterlibatan Mahasiswa Terhadap Minat Menjadi Anggota Koperasi Nadzivah, Izzatun; Sopingi, Imam; Musfiroh, Anita
JIES : Journal of Islamic Economics Studies Vol. 6 No. 2 (2025): Juni
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jies.v6i2.9402

Abstract

Penelitian ini bertujuan menganalisis pengaruh sikap dan keterlibatan mahasiswa terhadap minat menjadi anggota koperasi. Koperasi sebagai salah satu pilar ekonomi rakyat membutuhkan partisipasi aktif generasi muda, khususnya mahasiswa, untuk berkemabang secara berkelanjutan. Sikap positif terhadap koperasi dan keterlibatan dalam aktifitas kampus yang berkaitan dengan kewirausahaan atau ekonomi diyakini memiliki peran penting dalam membentuk minat tersebut. Metode penelitian yang di gunakan adalah kualitatif dengan pendekatan surfei terhadap sejumlah mahasiswa dari berbagai fakultas. Data di kumpulkan melalui kuesiner dan dianalisis mengunakan redresi liniear berganda. Hasil penelitian menunjukan bahwa baik sikap maupun keterlibatan mahasiswa secara signifikan berpengaruh positif terhadap minat menjadi anggota koperasi. Temuan ini mengindikasikan pentingnya upaya edukatif dan partisipatif dalam meningkatkan kesadaran dan keterkaitan mahasiswa terhadap koperasi.
BAHTSUL MASAIL’S CRITICAL REVIEW OF FAKE ORDER ONLINE ON THE DIGITAL SHOPEE LIVE PLATFORM Yuni K, Kusnul Ciptanila; Musfiroh, Anita; Dardiri, Masyhudan; Nur Efendi, Mohamad; Santoso, Lukman
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 8 No 2 (2024): Desember
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v8i2.23937

Abstract

Selling online through various digital platforms is an alternative business. Many successful people have made huge profits from it. However, fraud, deception, the spread of fake accounts, and counterfeit transactions often occur and harm many people. This research explores the practice of buying and selling with bogus and counterfeit accounts on digital platforms. This research is qualitative research with a case study approach. Bahtsul Masail is the highest forum that discusses actual community problems for which no evidence or legal solution has been found. The answer to this problem was sought and taken from Politikul Mu'tabaroh. This research resulted in the finding that the law of asking buyers for postage in the above cases is not permitted because (1) the postage is not used correctly, instead as an additional income; (2) if the buyer knows this reality, it is inevitable that he will not be willing to pay the postage to the seller. It is not permitted because it is fraud. This study provides clarity on deviant buying and selling practices on digital platforms.
Position of DSN-MUI Fatwa No.79 of 2011 Concerning Qarḍ with Customer Funds in the Perspective of Maqāṣid Sharī‘ah Jasser Auda Ghozali, Muhammad Lathoif; Musfiroh, Anita
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 12 No. 2 (2022): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2022.12.2.211-224

Abstract

Abstract: This study will explain the DSN-MUI Fatwa No.79 of 2011 regarding the perspective of Maqāṣid Syari'ah according to Jasser Auda's approach theory. The method used in this study is qualitative with literature study by finding and collecting factual facts or information using the themes and topics that will be or are being researched. This study tries to explain that the system approach theory echoed by JasserAuda is not only rigid but also elastic. So it can be implemented in legal provisions by means of a surgical process through the application of the six-element method which is the criterion, namely cognitive elements, openness, comprehensiveness, interconnected or interrelated hierarchies, meaning, and multidimensionality. As a result, the position of Maqāṣid Sharī‘ah can be found, and of course, the provisions of the rules can be applied to people's lives with a wide range. Regarding the DSN-MUI Fatwa No. 79 of 2011 concerning Qarḍ, it is permissible to use customer funds because it fulfils the elements of the system theory applied by Jasser Auda. Indirectly, the theory of Jasser Auda's system approach is a tool or scale in dissecting the position of Maqāṣid Sharī‘ah against legal provisions that have been established or will be enforced. Keywords: Systems Theory, Jasser Auda, Qarḍ, DSN-MUI Fatwa.   Abstrak: Penelitian ini menjelaskan Fatwa DSN-MUI No.79 Tahun 2011 tentang Perspektif Maqāṣid Sharī‘ah menurut teori Jasser Auda. Metode yang digunakan dalam penelitian ini adalah kualitatif dengan model studi literatur yang mencari dan mengumpulkan fakta atau informasi faktual menggunakan tema dan topik yang akan atau sedang diteliti. Penelitian ini menjelaskan bahwa teori pendekatan sistem yang digaungkan oleh Jasser Auda bukan hanya teori kaku namun teori yang elastis juga. Sehingga dapat diimplementasikan dalam ketentuan hukum melalui proses pembedahan, melalui penerapan metode enam unsur yang menjadi kriterianya, yaitu unsur kognitif, keterbukaan, kekomprehensifan, hirarki yang saling berhubungan atau saling berkaitan, makna, dan multidimensionalitas. Alhasil, posisi Maqāṣid Sharī‘ah dapat ditemukan dan tentunya ketentuan aturannya dapat diterapkan dalam kehidupan masyarakat dengan jangkauan yang luas. Mengenai Fatwa DSN-MUI No. 79 Tahun 2011 tentang Qarḍ, boleh menggunakan dana nasabah, karena memenuhi unsur teori sistem yang diterapkan oleh Auda. Secara tidak langsung, teori pendekatan sistem Auda merupakan alat atau skala dalam membedah kedudukan Maqāṣid Sharī‘ah terhadap ketentuan hukum yang telah ditetapkan atau akan diberlakukan. Kata Kunci: Teori Sistem, Jasser Auda, Qardh, DSN-MUI Fatwa
Optimalisasi Keterampilan Akuntansi untuk Meningkatkan Nilai Tambah Mahasiswa di Dunia Kerja Pertiwi, Dwi Ari; Agustina, Rachma; Ardiana, Meta; Rosyadi, M. Syam'un; Musfiroh, Anita; Widoyoningrum, Sri; Rodliyah, Iesyah
ABIDUMASY 2024: ABIDUMASY : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/abidumasy.v1i1.7547

Abstract

The Merdeka Belajar Kampus Merdeka policy prepares students to participate in the global economy by encouraging them to learn about various topics outside of their area of competence (Ulum et al., 2023). From the analysis of the partner's situation, the problem faced by partners or the Sharia Economic Law Study Program, namely students of the Sharia Economic Law Study Program, Faculty of Islamic Religion, Hasyim Asy'ari University Tebuireng Jombang, is that the problem of students of the Sharia Economic Law study program is not getting accounting courses so that Students have no knowledge of accounting, whether basic accounting, service company accounting, and preparing financial reports, while one of the profiles of graduates from the Sharia Economic Law study program is to become an accountant, so training is very necessary to increase accounting knowledge. Keywords: Competitiveness, Accounting Skills
EDUKASI LITERASI HALAL PADA WIRAUSAHA GEN Z Haryanti, Peni; Sopingi, Imam; Hidayati, Athi'; Yuni K, Kusnul Cipta Nila; Musfiroh, Anita; Santoso, Rohmad Prio; Ali, Muhammad Haidar
ABIDUMASY 2024: ABIDUMASY : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/abidumasy.v1i1.7966

Abstract

The number of Gen Z entrepreneurs in the 2024 KDLK Entrepreneurship Program at Unhasy who hold halal certification is less than half of the total participants. Additionally, their knowledge and understanding of halal assurance are limited. To address this issue, the Community Service Team from the Islamic Economics Study Program, Faculty of Economics at Unhasy, conducted a halal literacy education program for Gen Z entrepreneurs participating in the KDLK Entrepreneurship Program. Prior to this, the participants had never received similar halal literacy training. The program aims to enhance the quality of Gen Z entrepreneurs' products in the future through halal certification, enabling them to sustain and compete in the modern world. The activity also supports students without halal certification to independently register their businesses using the self-declare halal certification mechanism, facilitated by the community service team. The results show that all students in the KDLK Entrepreneurship Program successfully registered halal certification for their businesses.
Co-Authors Af’idah, Noer Agustina, Rachma Aizillalaa, Chicha Aldi Khusmufa Nur Iman Ali, Mohammad Haidar Ali, Muhammad Haidar Almujadidi, Muhammad Ananda Aditya Ahmad Aprilinda Ummi Cholilah Ardiana, Meta arsyad, dani Athi’ Hidayati Dardiri, Masyhudan Dardiri, Masyhudan Daristin, Pipit Erika Dian Anisa Rokhmah Wati Dwi Ari Pertiwi Fajrul, Falah Falah, Fajrul Fuadah, Ulfi Lutfiatul Harimawan, Dwi Haryanti, Peni Hidayati, Athi' Hidayati, Athi’ Imam Sopingi Ismawatul Faizah Kusnul , Ciptanila Yuni Kusnul Ciptanila Yuni K Laili, Choirun Nisful Lidia, Fika Sofiatul Lukman Santoso M. Adi Trisna Wahyudi M. Lathoif Ghozali M. Syam’un Rosyadi M. Syam’un Rosyadi M. Zulfa ‘Ulumuddin Alwy Masalingi, Abdurrahman Mugiyati Nadzivah, Izzatun Nizar Zakaria Nur Efendi, Mohamad Nurhayati, Dede Nurul Hidayat Peni Haryanti Putri, Nurdiana Rahman, Suad Nur rifardi, lailatul maghfiroh putri Rodliyah, Iesyah Rosyadi, M. Syam'un Roudhoutul Aulia Rochim safira, anggun Sania Rahma Melani Santoso, Rohmad Prio Shodiq, Jafar Sobaroh, Lutfia Wahyudi, M. Adi Trisna Wahyunitasari, Eka Dita Wakhidah, Alfina Rahmaniyah Widoyoningrum, Sri Yuni K, Kusnul Cipta Nila Yuni K., Kusnul Ciptanila