Articles
<![CDATA[Persepsi Masyarakat Terhadap Kebutuhan Dan Utilitas Salon Muslimah ]]>
<![CDATA[Ulil Absor Faiq Abdiilah]]>;
<![CDATA[Nurita Sari]]>;
<![CDATA[Lilik Rahmawati]]>
<![CDATA[ Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 3 (2024): Journal of Economic, Bussines and Accounting (COSTING) ]]>
Publisher : <![CDATA[Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE) ]]>
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DOI: 10.31539/costing.v7i3.9192
<![CDATA[A salon exclusively for Muslim women has a black hair colouring service. There are different legal views on this matter. The salon owner allows black hair colouring as the ingredients used are considered to be in accordance with the principles of sharia. However, there are other views that prohibit black hair colouring, despite using any ingredients. The research in this article uses qualitative methods, which are used to understand and explain social phenomena or human symptoms in depth and comprehensively. The findings of this research can be used to develop a Muslimah salon that complies with Islamic principles. Services offered by Islamic-compliant salons need to align with the principles governing commercial transactions related to the exchange of services or advantages. The business operations should strictly adhere to Shariah provisions and involve a contractual agreement for buying and selling that prioritizes maslahah. Consistent with the objectives of Islamic law, known as Maqasid al-Syariah, Shariah-compliant salon services are required to contribute to the well-being of individuals by safeguarding their intellect and life. The specific requirements in Muslimah salons can be classified into three distinct criteria: essential needs (Daruriyyat), supplementary needs (Hajiyyat), and embellishment (Tahsiniyyat). Keywords: community perception, need, utility]]>
<![CDATA[EMPIRICAL STUDY: THE ASSESSMENT OF FINANCIAL STATEMENTS IN INDONESIA ISLAMIC BANK BASED ON IFRS AND AAOIFI STANDARD ]]>
<![CDATA[Fauzatul Laily Nisa]]>;
<![CDATA[Lilik Rahmawati]]>
<![CDATA[ BALANCE: JOURNAL OF ISLAMIC ACCOUNTING Vol 3 No 2 (2022): Balance: Journal of Islamic Accounting ]]>
Publisher : <![CDATA[State Islamic Institute (IAIN) Tulungagung ]]>
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DOI: 10.21274/balance.v3i2.6972
<![CDATA[Abstract: This study aims to measure how far Indonesian Islamic banking adopts AAOIFI and IFRS standards in its financial reporting. This study uses the annual report of Indonesian Islamic banks in the period 2014-2018 obtained from 5 Islamic banks in Indonesia compiled from the official website of the five banks that were sampled. This research uses a quantitative approach by using a Content Analysis method. This study's results indicate that Indonesian Islamic banking is more inclined to adopt IFRS standards in its annual financial reports (annual report). It can be proven by the large number of percentages of Islamic banking that predominantly meet the total items selected as IFRS standards in its financial statements, compared to the percentage Islamic banking that matches the total items selected as AAOIFI standards. Keywords: financial statements; Islamic banks; IFRS; AAOIFI]]>
<![CDATA[Analisis SWOT Produk Pembiayaan Di Bank Muamalat Pada Masa Pandemi ]]>
<![CDATA[Muhamad Fauzin Nur]]>;
<![CDATA[Lilik Rahmawati]]>
<![CDATA[ JPS (Jurnal Perbankan Syariah) Vol 3 No 1 (2022): JPS (Jurnal Perbankan Syariah) - April ]]>
Publisher : <![CDATA[LPPM ISNJ Bengkalis ]]>
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DOI: 10.46367/jps.v3i1.481
<![CDATA[Financing is a banking product that is needed by society. As part of the business run by Bank Muamalat, financing during the pandemic is interesting to study, considering that the pandemic has had an impact on Islamic banking. This study aims to determine the performance and identification of internal and external conditions of financing at the Bank Muamalat Surabaya Darmo branch office using SWOT analysis. The study used a qualitative descriptive approach with SWOT as an analytical tool. Consists of two types of data, those are primary and secondary data obtained using interviews, observation, questionnaires, and documentation techniques. Data triangulation was done by interview method. The study results show that the financing performance at Bank Muamalat Surabaya Darmo branch office during the pandemic continued to run by focusing on the Islamic segment for the productive financing and consumptive financing channelled to Talang haji funds, multipurpose funds, and mortgages. The current financing position is in the first quadrant which supports the implementation of an aggressive strategy.]]>
<![CDATA[Ibnu Taimiyah’s Perspective on The Mimbaan Traditional Market Mechanism in Situbondo ]]>
<![CDATA[Isvina Vawaidatur Rohmah]]>;
<![CDATA[Lilik Rahmawati]]>;
<![CDATA[Iffah Febri Anti Fitriyatul L]]>
<![CDATA[ Proceedings of Femfest International Conference on Economics, Management, and Business Vol. 1 (2023): Proceedings of Femfest International Conference on Economics, Management, and Busines ]]>
Publisher : <![CDATA[Universitas Darussalam Gontor ]]>
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<![CDATA[The market mechanism is a process of forming prices based on the forces of supply and demand. At the Mimbaan traditional market in Situbondo City, the current price formation is not only influenced by changes in demand and supply, but there are other factors that influence it. Including influenced by imperfect competition. So that there is a market price game that results in price instability. However, according to Ibn Taimiyah, price formation comes from the balance of supply and demand. Consumers and producers are the main factors in the market mechanism, especially in price formation. The purpose of this research is to know the market mechanism according to Ibnu Taimiyah, to know the market mechanism in the Mimbaan traditional market in Situbondo City, and to analyze the market mechanism in the Mimbaan traditional market market in Situbondo City based on the opinion of Ibnu Taimiyah. The research was conducted using qualitative methods, and the data obtained was based on data collection through interviews. Data analysis techniques carried out in this study used descriptive analysis methods. The results of the study show that there is a discrepancy between the market mechanism of the Mimbaan traditional market in Situbondo City and the market mechanism according to Ibnu Taimiyah. However, there are also several things that are in accordance with Ibn Taimiyah's opinion regarding price fixing. By applying Ibn Taimiyah's opinion to the current market mechanism, it can help maintain the stability of the market price of an item and prevent imperfect market mechanisms from occurring.]]>
<![CDATA[STRATEGI PEMASARAN DALAM MENINGKATKAN NASABAH PADA ASURANSI SYARIAH PT ASURANSI JIWA SYARIAH BUMIPUTERA CABANG SURABAYA ]]>
<![CDATA[Lilik Rahmawati]]>;
<![CDATA[Farichatus Sholikhah]]>;
<![CDATA[Hanifah Muslimah]]>;
<![CDATA[Indi Rafiqa Amalia]]>;
<![CDATA[Laila Maghfiroh]]>
<![CDATA[ JURNAL PROFIT Vol 5, No 2 (2021): Economic Milenial ]]>
Publisher : <![CDATA[Nurul Jadid University ]]>
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DOI: 10.33650/profit.v5i2.3201
<![CDATA[Sharia Insurance is an institution that provides services in the service sector that appears among people who still do not understand about sharia insurance and its mechanisms, so that people are still awkward to use the insurance services. Islamic insurance in Indonesia has the potential to grow along with the growth of the Islamic financial market. The sharia insurance strategy to increase product sales is carried out by conducting outreach to the public. In terms of increasing the number of customers, especially by expanding the market, especially for people who have not used sharia insurance services through direct socialization, maintaining and improving existing markets by trying to always maintain communication with customers to provide quality services, introducing financial planning and management. risk in Islamic insurance. Fast service provides convenience for more strategic management of needs so that it creates public interest in using sharia insurance services.]]>
<![CDATA[Telaah Mudharabah At-Taawuniyah pada Asuransi BPJS Perspektif Ekonomi Syariah ]]>
<![CDATA[Kholifatul Amanah]]>;
<![CDATA[Lilik Rahmawati]]>;
<![CDATA[Rajabiyah Khoirotin Ni’mah]]>;
<![CDATA[Shakilla Husnia Al Fadhilah]]>;
<![CDATA[Ully Amaliyah Butar Butar]]>
<![CDATA[ JURNAL PROFIT Vol 4, No 2 (2020): Economic Marketting ]]>
Publisher : <![CDATA[Nurul Jadid University ]]>
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DOI: 10.33650/profit.v4i2.1645
<![CDATA[The Social Security Organizing Body or ordinary people used to call it BPJS is a state-owned legal entity whose job is to organize social security programs. When a social security program is managed by an institution, such as the BPJS, then the principle of al-takmin al-ta'awuni should be applied. And to implement these principles a Sharia Unit is needed. The purpose of this paper is to find out how BPJS is viewed in the perspective of Islamic Economics. The method used in this paper is a qualitative research method where the author uses field notes, interviews, and personal documents and other documents as a support in the results of this paper using descriptive data collection techniques that examine the data with the arrangement of words not with data number. Seen from the perspective of Islamic Economics, the contract on the manager of BPJS in Islamic economics can be known as mudharabah at-ta'awuniyah, which is a cooperation agreement to bear each other or risk each other with the principle of help-helping and mutual assistance. This has been included in one of the principles of Islamic Economics, namely mutual help.]]>
<![CDATA[DISTRIBUSI ZAKAT UNTUK KESEJAHTERAAN: STUDI PADA LAZ YATIM MANDIRI SURABAYA ]]>
<![CDATA[Moch. Irfansyah]]>;
<![CDATA[Moh. Romdlon Izzul Haq]]>;
<![CDATA[Ziyanatun Nafisah]]>;
<![CDATA[Erinda Kusuma Dayanti]]>;
<![CDATA[Lilik Rahmawati]]>
<![CDATA[ JURNAL PROFIT Vol 4, No 1 (2020): Economic Management ]]>
Publisher : <![CDATA[Nurul Jadid University ]]>
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DOI: 10.33650/profit.v4i1.1218
<![CDATA[Zakat is a worship required by Allah SWT for every Muslim and zakat is included in the third pillar of Islam which is paying zakat. There is two kinds of zakat namely zakat soul (zakat fitrah) and zakat treasure (zakat maal). This study aims to find out how the management of zakat is carried out by one of the national amil zakat institutions, namely yatim mandiri in Surabaya. This research uses a qualitative method by observing one of the national amil zakat institutions (yatim mandiri). In this study, we researching how zakat management starts from how to get zakat funds then distributing zakat funds to the community, financial management with in the zakat institution, then the programs owned by the amil zakat institutions to the management of all zakat funds so that can make people who are less fortunate.]]>
<![CDATA[Analisis Permintaan dan Perilaku Konsumen Fintech Syariah Model Crowdfunding ]]>
<![CDATA[Lilik Rahmawati]]>;
<![CDATA[Iqbal Tanjung]]>;
<![CDATA[Baiq el Badriati]]>
<![CDATA[ JURNAL PROFIT Vol 2, No 1 (2018): Islamic Business Ethics And Globalization ]]>
Publisher : <![CDATA[Nurul Jadid University ]]>
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DOI: 10.33650/profit.v2i1.552
<![CDATA[Pengetahuan dan pemahaman terkait permintaan dan perilaku konsumen bagi seorang manajer atau produsen adalah hal yang sangat penting terutama di era digital. Pada tulisan ini, selain membahas tentang konsep permintaan dan perilaku konsumen penulis juga membahas terapan konsep permintaan dan perilaku konsumen pada industri fintech dalam skema crowdfunding syariah. Crowdfunding syariah adalah sebuah bisnis yang memanfaatkan platform sebagai medianya untuk pengumpulan dana sekaligus pendanaan bagi individu, kelompok atau organisasi dengan prinsip syariah. Preferensi konsumen di era digital telah mengalami pergeseran. Konsumen menginginkan kecepatan, kenyamanan, biaya yang lebih murah, dan kemudahan penggunaan layanan keuangan. Manajer atau pengusaha di bidang industri fintech dalam skema crowdfunding syariah harus mampu beradaptasi terhadap pergeseran preferensi konsumen dengan cara terus menerus melakukan inovasi]]>
<![CDATA[Problematika Penyalahgunaan Utilitas Barang Di Kabupaten Bangkalan Perspektif Ekonomi Islam ]]>
<![CDATA[Zainol Hasan Zubaidi]]>;
<![CDATA[Tanto Fatkhurrozi]]>;
<![CDATA[Lilik Rahmawati]]>
<![CDATA[ Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ) ]]>
Publisher : <![CDATA[Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI) ]]>
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DOI: 10.37385/msej.v6i4.8340
<![CDATA[Topik ini bagi penulis begitu penting, karena bagi penulis jika perekonomian adalah urat nadi kehidupan, maka pertanian merupakan ruh kehidupan, karena pelaku ekonomi akan bisa melaksanakan perekonomian jika ia kebutuhan jasmaninya terpenuhi. Penelitian ini bertujuan untuk mengembalikan kepercayaan para petani kepada pemerintah serta mempertahankan kesejahteraan penduduk Kabupaten Bangkalan. Metode penilitian ini menggunakan metode kualitatif dengan tipe kajian pustaka, kemudian melakukan analisis data dengan menggunakan metode deskriptif. Kasus penyalahgunaan utilitas subsidi pupuk di Kabupaten Bangkalan sangat menabrak koridor ajaran-ajaran serta konsep maslahat dalam Islam, karena tidak sampainya subsidi pemerintah berupa pupuk ke tangan petani merupakan bentuk ketidak jujuran dan penipuan yang itu semua sangat bertolak belakang dengan norma yang telah ditetapkan oleh Islam, oleh karenanya dalam hal ini peran pemerintah dalam memberi pengawasan dan menegakkan hukum bagi pelanggar ekonomi harus ditingkatkan kembali.]]>
<![CDATA[Etika Konsumsi Pakaian Thrifting dalam Perspektif Maslahah di Kalangan Generasi Z: Antara Hemat dan Konsumtif ]]>
<![CDATA[Ahmad Fajar Jaelani]]>;
<![CDATA[Lilik Rahmawati]]>
<![CDATA[ Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 2 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah ]]>
Publisher : <![CDATA[Intitut Agama Islam Nasional Laa Roiba Bogor ]]>
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DOI: 10.47467/alkharaj.v7i2.6744
<![CDATA[This study aims to analyze the ethics of thrifting goods consumption in the perspective of maslahah among Generation Z, focusing on the balance between thrift and consumptive goods. The thrifting trend that is rampant among young people is influenced by economic motivation and environmental awareness, but also presents a risk of consumptive behavior due to the influence of social media. This study uses a descriptive qualitative method with semi-structured interview techniques to active students aged 19-24 years who have experience shopping for thrifting goods. The results of the study show that thrifting consumption supports cost savings and environmental sustainability, but can trigger consumptive behavior if not managed wisely. From the perspective of maslahah, thrifting brings benefits (maslahah) when carried out according to the needs and principles of simplicity, but has the potential to cause mafsadah if it only follows trends or prestige. This finding emphasizes the importance of awareness when purchasing thrifiting clothes to be in accordance with the principles of maslahah to create balanced and ethical consumption behavior.]]>
