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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) EQUILIBRIUM al-Uqud : Journal of Islamic Economics FINANSIA : Jurnal Akuntansi dan Perbankan Syariah International Journal of Economics, Management, Business, and Social Science Journal of Islamic Economic and Business Research Jurnal PKM Manajemen Bisnis Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Islamiconomic: Jurnal Ekonomi Islam JURNAL PENGABDIAN PENDIDIKAN MASYARAKAT (JPPM) An Nafah: Jurnal Pengabdian Masyarakat Journal of Community Empowerment Jurnal Pengabdian Masyarakat (Z-COVIS)
Akhmad Affandi Mahfudz
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Does GCG Implementation in BWUT (Badan Wakaf Uang Tunai) MUI DIY Affect Waqifs Trust? Lahuri, Setiawan bin; Kaffah, Silmi; Mahfudz, Akhmad Affandi; Zuhroh, Ainun Amalia
EQUILIBRIUM Vol 10, No 2 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i2.16734

Abstract

In 2019 BWUT MUI DIY managed to raise waqf funds of Rp.627,352,991 with a wakif number of 1854 people. But there is a difference in increased Rp. 27,352,991 of 174 wakifs in 2 years by BWUT MUI DIY. These problems are influenced by professionalism in the management of cash waqf. In addition, there is still the management of waqf institutions that are less than ideal and by GCG principles. This study aimed to determine the effect of each direction of GCG in waqf management on wakif trust. This research is quantitative by sample waqf in BWUT MUI DIY. The data was obtained by questionnaire and analyzed using SEM-PLS supported by the SmartPLS 3.0 application software. The findings in this study indicate that the transparency variable has three t-statistics greater than 1.64, so it can be identified as significant to wakif trust. While the independency variable has an OSE value of -0.341 which means it is negative with a t-statistic greater than 1.64, this result indicates that the better the implementation of independence. And the accountability variable does not affect wakif trust by a t-statistic value of 0.458. However, the transparency variable can be interpreted that the better the implementation of the GCG principle in the waqf institution impacted to increasing the level of wakif trust.
Contemporary Zakat According to Professor Didin Hafidhuddin and Its Implementation for People's Independence Sadzali, Akhmad; Alim, Akhmad; Mahfudz, Akhmad Affandi
INTERNATIONAL JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND SOCIAL SCIENCE (IJEMBIS) Vol. 3 No. 3 (2023): September 2023
Publisher : CV ODIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59889/ijembis.v3i3.191

Abstract

This contemporary zakat concept integrates Islamic economic principles with today's rapidly developing social and economic context. Zakat potential in Indonesia is very high, but the actual collection is still very low compared to the existing potential. Problems faced by zakat managers include a lack of awareness among Muzakki regarding zakat obligations, a zakat paradigm that is still traditional, and a lack of public trust in zakat institutions. One figure who understands the concept of zakat is Prof. Didin Hafidhuddin. Contemporary zakat implementation includes the establishment of transparent and accountable institutions for collecting and distributing zakat. Modern zakat offers relevant solutions to overcome the problems of poverty, inequality, and social injustice. Through a deeper understanding of the contemporary concept of zakat and its implementation, Muslims can contribute more effectively to achieving sustainable economic and social independence. Contemporary zakat can be used to support the independence of the people through educational programs, skills training, and the development of micro and small businesses. The research method used is a qualitative method with a descriptive approach. Observations and interviews were used to collect data. The aim of this research is to examine in depth the thoughts of Prof. Didin Hafidhuddin about contemporary zakat and its implementation for the independence of the people.
Integrating Islamic finance principles and the digital disruptive age to support global sustainability Mahfudz, Akhmad Affandi; Rusyda Afifah Ahmad; Daribayeva Meruyert; Nafi Ilman Husin
al-Uqud : Journal of Islamic Economics Vol. 8 No. 2 (2024): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v8n2.p175-188

Abstract

To support global sustainability, the integration of Islamic financial principles in the digital era can be a driver of a more just, inclusive, and sustainable financial system. It will also ensure economics equality in the country and promote the public financial ecosystem and the environment. The objective of this study is to evaluate the level of significance in incorporating the tenet of Shariah amid digital disruption in financial technology to support global sustainability by way of considering the element of environmental, economic and sustainability measures. This paper employs a qualitative that includes a strong pedigree on various databases and reputable journal local and abroad. The paper finds that the principle of Shariah can eliminate the practice of social and economic inequality by preventing economics activities that lead to injustice and oppression and ensuring that risk is shared equally in all transactions.
The Implementation of Socioeconomic Well-Being of Waqf and Properties in Muhammadiyah Regional Board Yogyakarta Mahfudz, Akhmad Affandi; Syamsuri, Syamsuri; Zein, Anisa Rosdiana; Roslan, Isma Aulia; Zeinullayevn, Nurmagambetova Azhar
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol 20, No 1: June 2024
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v20i1.17926

Abstract

Waqf is one of the financial instruments that can improve the socioeconomic status of Ummah. However, the number of waqf assets exceeds expectations due to a lack of proper management. The socioeconomic well-being of the Ummah is among the core principles of waqf management in the form of accountability and transparency. This study aims to unveil the implementation of the Socioeconomic well-being of Waqf Board Management, taking the case of the Muhammadiyah Waqf Council in Yogyakarta, Indonesia. This research employs descriptive analysis through structured interviews, passive participation observation, and documentation. The study found that the principles of socio-economics well-being have been implemented by the Waqf Board Management of Muhammadiyah Yogyakarta in the form of accountability, including compliance and Integrity, Administration, Programs, Practice, and Finance. The principle of transparency includes the level of openness in the delivery of public services, ease of understanding of the rules and procedures for providing services, and the availability of information on various fields of public administration. This paper implies the massive policy direction of Waqf Board Management among the Muhammadiyah Organization in Indonesia, which is the second largest Muslim organization in the country, to ameliorate the way of implementing the socio-economics of waqf management.
DIGITALISASI PEMASARAN PRODUK BERBASIS WEBSITE GUNA MEMPERLUAS JANGKAUAN PASAR PADA USAHA MIKRO SAVIRA FROZEN FOOD PONOROGO Astuti, Rahma Yudi; Musthafa, Aziz; Wibisono, Vina Fithriana; Lahuri, Setiawan Bin; Mahfudz, Akhmad Affandi
Journal of Community Empowerment Vol 4, No 1 (2025): Juni
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jce.v4i1.31352

Abstract

ABSTRAK                                                                            Digitalisasi pemasaran menjadi tantangan sekaligus peluang bagi Usaha Mikro, Kecil, dan Menengah (UMKM) dalam menghadapi persaingan di era global. Savira Frozen Food, sebagai salah satu UMKM di Ponorogo yang bergerak di bidang makanan beku, mengalami keterbatasan dalam memperluas jangkauan pasar akibat masih mengandalkan metode pemasaran konvensional. Oleh karena itu, program pengabdian ini bertujuan untuk meningkatkan daya saing dan cakupan pemasaran melalui digitalisasi berbasis website. Metode yang digunakan dalam program ini meliputi pendampingan dan pelatihan pemasaran digital, pembuatan serta optimalisasi website, dan evaluasi terhadap dampak implementasi digitalisasi. Pendekatan ini mencakup analisis kebutuhan, pengembangan platform digital, hingga pemantauan efektivitas pemasaran online. Hasil program menunjukkan adanya peningkatan pemahaman pelaku usaha mengenai pemasaran digital, terbentuknya website resmi sebagai media promosi, serta peningkatan jumlah pesanan baik secara online maupun offline. Meskipun distribusi pelanggan belum merata. Selain itu, mayoritas pelanggan berasal dari kalangan perempuan, yang menunjukkan daya tarik produk frozen food bagi segmen rumah tangga. Secara keseluruhan, dapat disimpulkan bahwa digitalisasi pemasaran berbasis website sangat efektif dalam meningkatkan aksesibilitas dan daya saing Savira Frozen Food. Langkah selanjutnya perlu adanya optimalisasi strategi pemasaran digital, termasuk perluasan promosi dan pemanfaatan media sosial, agar lebih ditingkatkan guna memperluas jangkauan pasar secara lebih merata. Kata kunci: pemasaran digital; website; jangkauan pasar; usaha mikro; makanan beku ABSTRACTMarketing digitalization is both a challenge and an opportunity for Micro, Small, and Medium Enterprises (MSMEs) in facing competition in the global era. Savira Frozen Food, as one of the MSMEs in Ponorogo engaged in frozen food, experiences limitations in expanding market reach due to still relying on conventional marketing methods. Therefore, this service program aims to increase competitiveness and marketing coverage through website-based digitalization. The methods used in this program include digital marketing mentoring and training, website creation and optimization, and evaluation of the impact of digitalization implementation. This approach includes needs analysis, digital platform development, and monitoring the effectiveness of online marketing. The results of the program showed an increase in business owners' understanding of digital marketing, the establishment of an official website as a promotional medium, and an increase in the number of orders both online and offline. Although the distribution of customers has not been evenly distributed. In addition, the majority of customers come from women, which shows the attractiveness of frozen food products for the household segment. Overall, it can be concluded that website-based marketing digitization is very effective in increasing the accessibility and competitiveness of Savira Frozen Food. The next step needs to be the optimization of digital marketing strategies, including the expansion of promotions and the use of social media, to be further improved in order to expand market reach more evenly. Keywords: digital marketing; website; market reach; MSMEs, frozen food
Donation-Based Crowdfunding Innovation in Promoting Sustainable Islamic Microfinance: A Literature Review Akhmad Affandi Mahfudz; Rusyda Afifah Ahmad; Helmy Fauzy Ahmad; Penta Shahifah Dena
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.275

Abstract

The purpose of this study is to analyze the efforts to implement the CrowdFunding Platform model as a new face of Islamic philanthropy for the development of Islamic microfinance. This study uses a qualitative method with a contextual approach. Issues such as lack of access to financial services, lack of funding, and cultural barriers can be potential influences and future prospects for innovative and sharia-compliant social crowdfunding models in Islamic microfinance. The results of this study emphasize that the sharia social crowdfunding model must pay attention to sharia principles, transparency, accountability, community involvement and regulatory support. The implications of this study are the potential for developing social resources is very effective and requires continuous innovation, especially if the social funds collected can be managed by institutions and collaborating with the government can support improving the lives of poor people with the challenges of technological advances that attract public trust in the sharia crowdfunding system. Thus increasing the reputation of trust in sharia financial institutions in managing Islamic philanthropic funds. While the novelty in this study is an in-depth analysis of multi-sector collaboration between the government, financial institutions and the community which is a new element in strengthening sustainable and inclusive Islamic microfinance in Indonesia.
Mewujudkan Efektifitas dan Efisiensi Tata Kelola di Usaha Mikro melalui Pelatihan Manajemen Operasional dan Sumber Daya Manusia Kurniawan, Dhika Amalia; Nurfadila, Agustin Rani; Nurfattah, Arizqiya; Djayusman, Royyan Ramdhani; Mahfudz, Akhmad Affandi
Jurnal PKM Manajemen Bisnis Vol. 5 No. 2 (2025): Jurnal PKM Manajemen Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/pkmb.v5i2.1347

Abstract

The contribution of MSMEs is significant to Indonesia's economic growth, but many MSME actors still rely on simple and poorly organized work methods in operational and human resource management. This results in poor production efficiency and entrepreneurial activities. A similar thing also happened at UM Krecek Krupuk Bu Nor, which is engaged in traditional snacks. Efficiency in production and sales activities is not optimal due to the lack of operational management and human resources. This training aims to provide assistance and training in operational governance and human resources, which can positively impact business actors. The method used is focused on interactive and participatory training with several stages such as preparation, implementation, and monitoring. The results of this training have a positive impact on UM Krecek Krupuk Bu Nor in operational and human resource management and can increase the level of efficiency in entrepreneurial operations.
Toward Shariah-Compliant Contract Governance in Islamic Banking Spin-Offs: Legal Reflections on Indonesia’s Law No. 4/2023 Mahfudz, Akhmad Affandi; Firdaus, Iqbal Maulana; Kuanova, Laura Kuanova
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 17, No 1 (2025)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i1.46725

Abstract

Indonesia’s Law No. 4/2023 requires Islamic banking units (UUS) to spin off into independent Islamic commercial banks (BUS), raising Shariah compliance concerns over ongoing contracts. This study examines three key contracts—musyārakah, muḍārabah, and ijārah—using qualitative analysis of laws, fatwas, and institutional documents. It identifies four key issues: early termination, defaults during restructuring, unclear asset transfers, and changes in contract objects. These issues threaten both Shariah integrity and legal certainty. The paper proposes a governance framework grounded in qawāʿid fiqhiyyah and maqāṣid al-sharīʿah to guide ethical contract transitions. The findings offer practical insights for regulators, Shariah boards, and industry stakeholders to align legal reforms with Islamic principles. Abstrak:UU No. 4/2023 mengharuskan Unit Usaha Syariah (UUS) bertransformasi menjadi Bank Umum Syariah (BUS), menimbulkan persoalan kepatuhan syariah atas kontrak berjalan. Studi ini mengkaji tiga akad utama—musyarakah, mudharabah, dan ijarah—dengan analisis kualitatif terhadap regulasi, fatwa, dan dokumen kelembagaan. Ditemukan empat isu utama: pemutusan dini, gagal bayar saat restrukturisasi, pengalihan aset yang tidak jelas, dan perubahan objek akad. Masalah ini berisiko melemahkan kepastian hukum dan integritas syariah. Studi ini menawarkan kerangka tata kelola berbasis qawāʿid fiqhiyyah dan maqāṣid al-sharīʿah untuk menjamin transisi kontrak yang etis. Temuan memberikan panduan bagi regulator, DPS, dan industri agar reformasi hukum selaras dengan prinsip syariah.
REVITALISASI USAHA MIKRO DI DESA GANDU MELALUI PENERAPKAN STRATEGI BISNIS YANG EFEKTIF UNTUK PERTUMBUHAN BERKELANJUTAN Amilia Yuni Damayanti; Arief Rahmawan; Khurun'in Zahro'; Akhmad Affandi Mahfudz; Royyan Ramdhani Djayusman
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 6 No 2 (2025): Jurnal Pengabdian Pendidikan Masyarakat (JPPM), Vol 6 No 2 (Oktober 2025)
Publisher : LPPM UNIVERSITAS MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v6i2.2840

Abstract

Microenterprises (MSEs) in Gandu Village have great economic potential, but still face challenges in improving competitiveness and sustainable growth. The main problems faced by UM actors include limitations in preparing business strategies, inefficient production management, and low utilization of digital technology in marketing. One of the businesses facing these challenges is Bu Nor's Krecek Krupuk UM. The purpose of this service activity is to increase partners' capacity in formulating effective business strategies, increasing production efficiency, utilizing digital technology for marketing, and improving financial management to encourage sustainable business growth. The method used is a participatory approach through three stages: preparation, implementation, and evaluation, which actively involves partners in the entire process. The results of this activity show an increase in the understanding and skills of business actors in developing business strategies, applying digital marketing techniques, and improving production management. Post-training evaluation shows that the strategies that have been developed are able to help businesses increase production capacity and competitiveness in the market. With this training and mentoring, UM Krecek Krupuk Bu Nor is expected to develop sustainably, improve the quality and quantity of its products, expand its marketing reach, and increase its income.
Optimizing Blockchain Waqf as An Instrument for The Sustainability of Pesantren Education Mahfudz, Akhmad Affandi; Ihsan, Syahrul; Syamsuri, Syamsuri; Shuib, Mohd Sollehudin
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 16, No 2 (2025): (On Process)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.1027

Abstract

The emergence of the need for sustainable education, makes waqf a potential solution to support pesantren education by utilizing technology. The role of blockchain as a cutting-edge technology and the development of waqf-based Pesantrens in Indonesia make this study crucial. This article discusses the optimization of waqf as an instrument to support the sustainability of pesantren education by utilizing blockchain technology. This study uses a qualitative methodology to explore the integration of blockchain technology in the pesantren waqf system comprehensively. This study uses a literature study approach from secondary data. The results of the study indicate that the implementation of blockchain in pesantren waqf can increase transparency through irreversible transaction recording, accelerate the distribution of benefits and maintain accountability with smart contracts, even its traceable nature can increase public or waqif trust in waqf management in Pesantrens. In addition, the purpose of this study is to provide an appropriate waqf optimization strategy by utilizing blockchain technology to produce sustainable education. The conclusion of this study emphasizes the use of blockchain which has great potential in optimizing waqf management for the sustainability of pesantren education, but its implementation requires the right adaptation strategy and readiness of waqf managers. The contribution of the study is in the form of literacy of blockchain-based waqf digitalization in Pesantrens and opens opportunities for further research related to practical and policy aspects.
Co-Authors Abdullah Chamber Abdurrahman , Hujjatul Islam Musthafa Achmad Michael Adi Putra Agustin Rani Nurfadila Ahmad, Rusyda Afifah Akhmad Alim, Akhmad Al Maskuri, M. Mava Saputra Arief Rahmawan Aziz Musthafa Choir, Muhammad Iqbal Daribayeva Meruyert Dena, Penta Shahifah Devid Frastiawan Amir Sup Dhika Amalia Kurniawan Fatahna Fathan Mubina Fathurrohman, Robby Firdaus, Iqbal Maulana Helmy Fauzy Ahmad Ibnu Yaqzan Qurany Ihsan, Syahrul Imam Kamaluddin Imam Kamaluddin Izzatullah, Faiz Jafar, Abdul Kaffah, Silmi Khoirul Umam Khurun'in Zahro' Kuanova, Laura Kuanova Lathiif Chandra Septian Lucky Adha Febrian Muhammad Haidar Muhammad Halimul Umam Muhammad, Izlawanie Munir, Muhammad Hadi Wijaya Nafi Ilman Husin Nur Ihsan Nurfattah, Arizqiya Penta Shahifah Dena Prastyaningsih, Ika Rahma Yudi Astuti, Rahma Yudi Ramadhan, Excel Abu Ramadhan, Naufal Azmi Roslan, Isma Aulia Royyan Ramdhani Djayusman Rusyda Afifah Ahmad Sadzali, Akhmad Savier Nayaka Gunawardana Setiaji, Izzuddien Setiawan Bin Lahuri Shuib, Mohd Sollehudin SYAMSURI Syamsuri Tegas Bijaksana Vina Fithriana Wibisono Wildan Hakim, Wildan Zein, Anisa Rosdiana Zeinullayevn, Nurmagambetova Azhar Zuhroh, Ainun Amalia