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All Journal ANTHROPOS: JURNAL ANTROPOLOGI SOSIAL DAN BUDAYA (JOURNAL OF SOCIAL AND CULTURAL ANTHROPOLOGY) E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Wahana Islamika: Jurnal Studi Keislaman Isti`dal : Jurnal Studi Hukum Islam ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi YUME : Journal of Management FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN IJoASER (International Journal on Advanced Science, Education, and Religion) Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ecoment Global: Kajian Bisnis dan Manajemen Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Al Iman: Jurnal Keislaman dan Kemasyarakatan Jurnal Revenue : Jurnal Ilmiah Akuntansi Indonesian Journal of Social Research (IJSR) Neraca Al-Sharf: Jurnal Ekonomi Islam An-Nisbah : Jurnal Perbankan Syariah Jurnal Ekonomi Syariah Pelita Bangsa Jurnal Manajemen dan Profesional Khidmatan Bulletin of Community Engagement Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Akuntansi'45 EKONOMIKA45 Jurnal Al-Qiyam Jurnal Tana Mana JASNA : Journal For Aswaja Studies Wadiah : Jurnal Perbankan Syariah CONSEN: Indonesian Journal of Community Services and Engagement Jurnal Perbankan Syariah Darussalam (JPSDa) J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Indo-Fintech Intellectuals: Journal of Economics and Business Wahana Islamika: Jurnal Studi Keislaman RESLAJ: Religion Education Social Laa Roiba Journal Profetik: Jurnal Pengabdian Masyarakat Sharef: Journal of Sharia Economics and Finance al-Balagh : Jurnal Dakwah dan Komunikasi Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Al Iman: Jurnal Keislaman dan Kemasyarakatan Khidmatan Wahana Islamika; Jurnal Studi Keislaman
Ansori, Miswan
Universitas Islam Nahdlatul Ulama Jepara, Indonesia
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Public Health Social Sciences Other

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An Analysis of Culinary Business Development Strategy in an Islamic Economic Perspective Salsabila, Karina; Ansori, Miswan; Zahrotun, Zahrotun
International Journal on Advanced Science, Education, and Religion Vol 8 No 1 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i1.796

Abstract

In this era of globalization, the culinary industry has become a sector that is growing rapidly, both at the local and international levels . Indonesia, with its cultural diversity and abundant culinary riches, is a fertile place for the growth of the culinary business. Among the various factors that influence the success of a culinary business, the right development strategy plays a key role in ensuring business continuity. The culinary sector is also an inseparable part of the lives of Muslim communities, who often follow Islamic economic principles in various aspects of their lives, including business. The principles of Islamic economics, which include justice, togetherness and transparency, can be a valuable guide in designing culinary business development strategies that are sustainable and in line with Islamic values. This study will focus on a culinary company called Idola Snack and Catering which is based in Jepara. Jepara, as one of the cities in Indonesia with a unique cultural and culinary richness, provides an interesting context for studying culinary business development strategies. Using an Islamic economic approach, this research will analyze the development strategies implemented by Idola Snack and Catering, as well as their impact on financial performance, business growth and contribution to the local community. By better understanding how the principles of Islamic economics can be applied in the culinary business, it is hoped that this research can provide valuable insight for culinary industry players, entrepreneurs, academics and observers of Islamic economics in an effort to improve the quality and sustainability of culinary businesses in Indonesia, as well as creating a wider positive impact on society.
An Analysis of Culinary Business Development Strategy in an Islamic Economic Perspective Salsabila, Karina; Ansori, Miswan; Zahrotun, Zahrotun
International Journal on Advanced Science, Education, and Religion Vol 8 No 1 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i1.796

Abstract

In this era of globalization, the culinary industry has become a sector that is growing rapidly, both at the local and international levels . Indonesia, with its cultural diversity and abundant culinary riches, is a fertile place for the growth of the culinary business. Among the various factors that influence the success of a culinary business, the right development strategy plays a key role in ensuring business continuity. The culinary sector is also an inseparable part of the lives of Muslim communities, who often follow Islamic economic principles in various aspects of their lives, including business. The principles of Islamic economics, which include justice, togetherness and transparency, can be a valuable guide in designing culinary business development strategies that are sustainable and in line with Islamic values. This study will focus on a culinary company called Idola Snack and Catering which is based in Jepara. Jepara, as one of the cities in Indonesia with a unique cultural and culinary richness, provides an interesting context for studying culinary business development strategies. Using an Islamic economic approach, this research will analyze the development strategies implemented by Idola Snack and Catering, as well as their impact on financial performance, business growth and contribution to the local community. By better understanding how the principles of Islamic economics can be applied in the culinary business, it is hoped that this research can provide valuable insight for culinary industry players, entrepreneurs, academics and observers of Islamic economics in an effort to improve the quality and sustainability of culinary businesses in Indonesia, as well as creating a wider positive impact on society.
Analisis Pembiayaan Multimanfaat Dengan Akad Murabahah Bil Wakalah Berdasarkan Fatwa DSN MUI Khoiriyah, Ahyadatul; Miswan Ansori; Wahidullah
Rayah Al-Islam Vol 9 No 1 (2025): Rayah Al Islam Februari 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat, Sekolah Tinggi Ilmu Bahasa Arab Ar Raayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/rais.v9i1.1440

Abstract

This study analyzes the implementation of the murabahah bil wakalah contract in multi- benefit financing at BTN Syariah KCPS Kudus and assesses its compliance with the DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah and No. 10/DSN-MUI/IV/2000 concerning Wakalah. The method used in this study is qualitative with data collection techniques being interviews with related parties, namely Financing Service, Operation Staff, and Sub Branch Head, as well as direct observation of the contract process and supervision of implementation in the field. The results of the study indicate that the murabahah bil wakalah contract has been implemented in accordance with the sharia principles stipulated in the DSN-MUI fatwa, especially in terms of clarity of the contract, determination of selling price, and financing mechanism. However, there are several challenges faced, especially in terms of ownership of goods before selling to customers and monitoring the use of funds to ensure that they are in accordance with the objectives of the contract. As an implication, this study recommends strengthening transaction verification mechanisms, increasing transparency in ownership of goods before being sold to customers, and more effective education strategies for customers to ensure compliance with sharia principles.
Mekanisme dan Implementasi Pembiayaan KPR BTN Platinum iB dengan Akad Musyarakah Mutanaqisah di Bank BTN Syariah KCPS Kudus Nirmala Amelia Husein; Miswan Ansori
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 6: Oktober 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v3i6.5510

Abstract

This study examines the mechanism and implementation of KPR BTN Platinum iB financing with the Musyarakah Mutanaqisah contract at Bank BTN Syariah KCPS Kudus. Using a qualitative method with a case study approach, this research explores the application process, requirements, financing analysis, and contract implementation. The results show that Bank BTN Syariah KCPS Kudus has disbursed mortgage financing to 442 customers from January 2022 to September 2024, with 25 customers using Non-Subsidized KPR products. The financing process includes document submission, analysis using the 5C principles, and the Musyarakah Mutanaqisah contract. The implementation of this contract complies with DSN-MUI Fatwa No. 73/DSN-MUI/XI/2008, where the bank and customer act as partners in asset ownership. The study concludes that KPR BTN Platinum iB financing with the Musyarakah Mutanaqisah contract has been implemented in accordance with sharia principles and provides a more flexible home financing alternative for the community. Keywoards : Islamic Mortgage Financing, Musyarakah Mutanaqisah (MMQ) Contract, Islamic Banking
Analisis Tingkat Literasi Keuangan Syariah Pada Masyakat Kecamatan Kembang Kabupaten Jepara Rena Eka Nurmayanti; Miswan Ansori
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 5: Juli 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i5.3865

Abstract

Tingkat literasi keuangan syariah masih sangat rendah, hanya mencapai 8,11% pada tahun 2016. Dengan demikian, hanya 8 dari 100 penduduk di Indonesia yang memiliki pemahaman tentang industri jasa keuangan syariah. Angka ini jauh lebih rendah dibandingkan dengan literasi keuangan konvensional yang mencapai 29,66%. Hal ini menimbulkan ironi mengingat mayoritas masyarakat Indonesia menganut agama Islam. Penelitian ini bertujuan untuk menganalisis tingkat literasi keuangan syariah pada masyakat Kecamatan Kembang Kabupaten Jepara. Penelitian ini menggunakan pendekatan penelitian kuantitatif dengan jenis deskriptif. Data penelitian dikumpulkan dengan menggunakan kuesioner dengan melibatkan 300 responden penelitian. Data penelitian dianalisis dengan menggunakan statistik deskriptif. Hasil dari penelitian ini adalah mayoritas masyarakat Kecamatan Kembang memiliki literasi keuangan syariah yang berada pada tingkat sedang hingga rendah. Hanya sebagian kecil yang memiliki pemahaman yang baik tentang konsep-konsep keuangan syariah. Hal ini bisa disebabkan oleh beberapa faktor seperti kurangnya akses terhadap pendidikan keuangan syariah, minimnya sosialisasi dari lembaga keuangan syariah, serta kurangnya referensi dan informasi yang tersedia di Masyarakat
Implementation of Rescheduling as an Effort to Rescue Non Performing Financing in Rahn Tasjily Contracts at BMT Al Hikmah Eri Susanti; Miswan Ansori
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 6: September 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i6.4872

Abstract

Distribution of financing to members even though it has passed the 5 C analysis (Character, Capacity, Collateral, Capital, Condition) does not eliminate the possibility of problematic financing. BMT Al Hikmah's efforts to rescue problematic financing through non-litigation and litigation channels. This research examines financing settlement using a non-litigation process, namely, the mechanism for rescheduling problematic financing with the rahn tasjily agreement at BMT Al Hikmah as well as examples of cases of implementing rescheduling. The type of research used is by conducting research directly in the field (field research). Data collection techniques include interviews, collecting documents needed to dig up information, and direct observation. The data analysis technique is descriptive qualitative. The analysis results show that rescheduling provides relief to members by extending the payment period, with the aim that members can still pay their financial obligations without excessive pressure by considering members' income and abilities. The rescheduling process involves two mechanisms, namely by members who have good faith by visiting BMT Al Hikmah to carry out rescheduling and the second method is by the Account Officer (AO) when members do not have good faith, by visiting members directly to offer financing settlement options by rescheduling . This research also explains a concrete example that provides an overview of how rescheduling is implemented in practice.
Modal Sosial Sebagai Strategi Pemasaran Pada Baitul Mal wat Tamwil di Kabupaten Jepara Nikmatun Ulya; miswan ansori
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.5313

Abstract

Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis pemanfaatan modal sosial dalam strategi pemasaran Baitul Mal wat Tamwil (BMT) Lima Satu di Kabupaten Jepara. BMT ini, yang didirikan pada tahun 2011, telah berkembang pesat dengan tiga cabang dan aset mencapai lebih dari 8 miliar rupiah. Metode penelitian kualitatif digunakan dengan wawancara mendalam terhadap manajer pemasaran, pegawai, dan anggota. Hasil penelitian menunjukkan bahwa BMT Lima Satu memanfaatkan jaringan sosial dengan berkolaborasi dengan tokoh masyarakat dan berpartisipasi dalam acara komunitas untuk meningkatkan visibilitas dan jangkauan pasar. Selain itu, transparansi dan komunikasi terbuka berkontribusi pada peningkatan kepercayaan dan kredibilitas. Dukungan komunitas dan pemanfaatan norma sosial juga memperkuat hubungan dengan masyarakat. Temuan ini menggarisbawahi pentingnya modal sosial dalam strategi pemasaran BMT untuk membangun hubungan yang solid dan memperluas pengaruhnya di masyarakat
Peran Lembaga Keuangan Mikro Syariah dalam Meningkatkan Perekonomian Masyarakat di Desa Tahunan M.Fajar Aditya; Miswan Ansori; Ahmad Fauzan Mubarok
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 2: Januari 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i2.6101

Abstract

Penelitian ini menganalisis peran Lembaga Keuangan Mikro Syariah (LKMS) dalam meningkatkan perekonomian masyarakat di Desa Tahunan. LKMS menyediakan pembiayaan berbasis prinsip syariah yang bebas bunga bagi pelaku usaha mikro, kecil, dan menengah (UMKM) serta petani, sehingga memungkinkan mereka memperluas usaha tanpa beban bunga yang tinggi. Penelitian ini menggunakan pendekatan kualitatif dengan metode wawancara dan observasi terhadap 10 pengusaha lokal. Hasil penelitian menunjukkan bahwa pembiayaan syariah yang diberikan LKMS membantu peningkatan produksi, memperluas akses pasar, dan membuka lapangan kerja baru. Selain itu, program pendampingan yang mencakup pelatihan manajemen keuangan dan pemasaran turut meningkatkan kapasitas usaha para pengusaha lokal. Secara keseluruhan, kehadiran LKMS memberikan dampak positif pada ekonomi masyarakat, meningkatkan kesejahteraan, dan mendorong inklusi keuangan di daerah pedesaan.
Analisis Prediksi Kebangkrutan Bank dengan Altman Z-Score Modifikasi (Studi di PT BPR Jepara Artha Kota Jepara) Karisma Alfiyati, Devi; Ansori, Miswan; Budi Utami, Cahyaning
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.7489

Abstract

Penelitian ini bertujuan untuk mengetahui prediksi kebangkrutan pada PT BPR Jepara Artha menggunakan model Modifikasi Altman Z-Score dengan rumus Z = 6,56 X1 + 3,26 X2 + 6,72 X3 + 1,05 X4, dengan nilai patokan Z-Score dikelompokkan menjadi tiga kategori, antara lain, bangkrut (Z<1.1), wilayah abu-abu (1.1<Z<2.6) dan sehat (Z>2.6). Teknik pengumpulan data yang digunakan adalah dengan mengumpulkan data sekunder laporan keuangan tahunan BPR Jepara Artha yang dipublikasikan melalui website OJK. Analisis data dilakukan dengan analisis deskriptif kuantitatif pendekatan terhadap laporan keuangan PT BPR Jepara Artha yang terdiri dari dari neraca dan laporan laba rugi yang kemudian dianalisis menggunakan metode Altman Z-Score. Temuan penelitian menunjukkan hal itu nilai Z-Score sebesar 5,485842309, 5,336052399, 4,175839967, 3,588810124 dan -11,73010398 yang berarti PT BPR Jepara Artha berada di posisi teratas yaitu wilayah sehat. Hasil penelitian periode 2019-2022 menunjukkan patokan Z<2,6 yang menunjukkan sehat, sedangkan pada tahun 2023 PT BPR Jepara Artha menunjukkan nilai dibawah 1,1 yang diperkirakan berpotensi mengalami kebangkrutan di masa depan.
Analisis Simpanan Produk Berhadiah Menurut Perspektif Hukum DSN MUI Pada USPPS BMT Mafal Sejahtera66 Asror, Khozinatul; Ansori, Miswan
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 9 No. 02 (2024): JESPB Edisi Oktober 2024
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v9i02.1788

Abstract

Simpanan produk berhadiah menjadi salah satu strategi yang sering diimplementasikan oleh berbagai BMT. Penelitian ini bertujuan untuk mengetahui bagaimana pelaksanaan simpanan produk berhadiah serta menganalisis bagaimana simpanan produk berhadiah yang dilaksanakan oleh BMT Mafal Sejahtera jika ditinjau dari perspektif hukum DSN MUI. Metode penelitian yang digunakan adalah kualitatif dengan jenis deskriptif. Pengumpulan data dilakukan dengan teknik wawancara. Analisis data dilakukan dengan pengumpulan data, reduksi data, penyajian data serta penarikan kesimpulan. Hasil penelitian menunjukkan bahwa pelaksanaan program SIMAJA Behadiah dilakukan dengan membayar biaya yang disepakati untuk keperluan undian yang kemudian undian akan dilaksanakan setiap satu tahun sekali pada hari ulang tahun BMT Mafal Sejahtera, sebagai bentuk pertemuan loyalitas anggota, promosi serta syukuran atas bertambahnya usia BMT Mafal Sejahtera. Pelaksanaan program SIMAJA Berhadiah dapat dinyatakan sebagai hal yang tidak bertentangan dengan perspektif DSN MUI. Dasar keputusannya ditinjau dari pemberian hadiah berupa barang yang bermanfaat, barang hadiah berhukum halal, hadiah diberikan sebagai bentuk promosi, hadiah diberikan dengan undian serta bentuk hadiah berupa barang berwujud. Hasil penelitian ini memberikan sumbangsih pemikiran terhadap perspektif hukum simpanan produk berhadiah yang kerap menjadi perdebatan.
Co-Authors aan wahyudin Abdul Djamil Abdulloh Yusuf, Ahmad Aditya, M.Fajar Ady Riyansyah Ahmad Aris Ahmad Saefudin Ahmad Septian Eka Setiawan Ahyadatul Khoiriyah Aisyah Aisyah Amalia, Lutfi Nur Amaliya, Feny Nor Andika Febrian Pratama Anggraini, Nur Ai'sah Anggraini Anggun Anggraini Aniqotun Zukhanid Arida Risqiana Arif Mustofa, Nur Asror, Khozinatul Ayuk Widiyah Bahtiar, Siti Budi Utami, Cahyaning Budi, Eka Setya Cahyaning Budi Utami Desi Tarwinanti Dewi Saputri, Oktaviana Dias Prihatmoko Diassyahma, Feriza Divani Nuril Khaqiqi Dwi Arini, Rina Eka Fitri Nor Faizah, Natasya Eki Dwi Septiani Eri Susanti Erna Wijayanti Fadia Risqi Dwiyanti Faiqul Hazmi Faristania, Reza Anida Farizki, Indhona Lukman Fatjri Rohman Febrina Eka Zunita feriza FINA FELIA PRAMUDITA Fitriyani, Yeny Hasanuddin, Ahmad Hasyim HS, Ahmad Fuad Hazmi, Faiqul Henny Ishalia Pratiwi Husein, Nirmala Amelia Ika Wahyu Purnama Ilham, Mohammad Imron Choeri Indrawati, Apriliyani Zunita Irfana, Naila Iskandar, Arip Dwi Karisma Alfiyati, Devi Khoiriyah, Ahyadatul Khoiruz Zaman, Wahyu Kusuma, Dewa Linda listiyani Listianingrum, Lailiya M. Azrul Aditya Saputra M.Fajar Aditya Maryono Maryono Maula Ristya Maulidya Berliana Rahmawati Mubarok, Ahmad Fauzan Muchammad Muchammad Mufidah Lu’lu’ah Muhammad Ichsan syarifudin Muhammad Junaidi Retno Manggolo Muhlis Munasir Muthoin Muthoin, Muthoin Nafisah, Zahrotun Nafisah, Zahrotun Naili Rahma Yuliani Naufal Rif’at, Dhany Nikmatun Ulya Nimah, Faridlotun Nirmala Amelia Husein Nukhi Firdausi, Anfa Nur Arif Mustofa Nur Maulidia, Rizka Oktaviani, Vika Rohma Oktavina, Nikhla Pontiningsih, Nely Purwanto, Purwanto Putri Anjar Sari, Laila Putri Ningsih, Nia Putri, Liana Qodriyatul Alfiyah Qoriatul Hikmah Ramadhan Pujisantoso, Rahmat Rena Eka Nurmayanti Risma Hanifatur Rosyida Rizky Amalia, Ratna Rohman, Syifaur Rokhimah, Rokhimah Rosidah, Ida Sadid, Diva Mustamar Salma Mufarrikhatul Walidiyah Salsabila, Karina Saputri, Zulinda Kurniawati Sholihatussifa, Nailis Sholikhati Ikmah, Ika Subaidi Subaidi Syarifatul Wardah Tutik Rofiqoh Tutik Rofiqoh Ubaidillah Ubaidillah Usfadhiya, Nafis Utami, Cahyaning Budi Vina Khoirotun Nisa Wahidullah Wahidullah Wahidullah Wahidullah, Wahidullah Wahyudin, Aan Yeny Fitriyani Yuliani, Naili Rahma Zahrotun Nafisah zahrotun nafisah Zahrotun, Zahrotun ⁠Cahyaning Budi Utami