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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Islamic Ecomonics Journal Global Review of Islamic Economics and Business Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics Jurnal Ekonomi Islam Journal of Economic, Bussines and Accounting (COSTING) Jurnal Istiqro' TAFAQQUH: Jurnal Hukum Ekonomi Syariah Dan Ahwal Syahsiyah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Al-Khidmat : Jurnal Ilmiah Pengabdian Kepada Masyarakat Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Oeconomicus Journal of Economics Jurnal Inovasi Penelitian El-Qist : Journal of Islamic Economics and Business (JIEB) AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Management of Zakat and Waqf Journal (MAZAWA)) Al-Iqtishod : Jurnal Ekonomi Syariah Balance: Journal of Islamic Accounting Niqosiya: Journal of Economics and Business Research Jurnal Iqtisaduna Idarotuna : Jurnal of Administrative Science QULUBANA: Jurnal Manajemen Dakwah Jurnal Ekonomi Islam Proceedings of Femfest International Conference on Economics, Management, and Business Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Majapahit Journal of Islamic Finance dan Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Inovasi Global Majapahit Journal of Islamic Finance dan Management Engagement: Jurnal Pengabdian Kepada Masyarakat Balance: Journal of Islamic Accounting JPS (Jurnal Perbankan Syariah) Proceedings of Femfest International Conference on Economics, Management, and Business Islamic Economics Journal
Lilik Rahmawati
Universitas Islam Negeri Sunan Ampel
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Analisis Permintaan dan Perilaku Konsumen Fintech Syariah Model Crowdfunding Lilik Rahmawati; Iqbal Tanjung; Baiq el Badriati
JURNAL PROFIT Vol 2, No 1 (2018): Islamic Business Ethics And Globalization
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v2i1.552

Abstract

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
Problematika Penyalahgunaan Utilitas Barang Di Kabupaten Bangkalan Perspektif Ekonomi Islam Zainol Hasan Zubaidi; Tanto Fatkhurrozi; Lilik Rahmawati
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 4 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i4.8340

Abstract

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.
Empowering Underprivileged Women Through Digital Business Assistance in Strengthening Food Security Az Zahra Arie Yuniar; Lilik Rahmawati
Jurnal Inovasi Global Vol. 2 No. 12 (2024): Jurnal Inovasi Global
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jig.v2i12.229

Abstract

In this digital era, the use of information and communication technology is becoming increasingly important in accessing wider markets and increasing business competitiveness. However, many underprivileged women do not yet have the knowledge and skills to utilize digital technology in their businesses. The main aim of this program is to equip underprivileged women with the skills and knowledge needed to develop their businesses digitally, so as to increase income and food security in the family. This research uses qualitative methods with a case study approach to observe and analyze digital business assistance to increase the economic capacity of underprivileged women. Research findings show that focused and sustainable interventions in the form of digital assistance can be an effective economic empowerment strategy in improving the welfare of underprivileged communities, especially women. The implications of this research show that digital business assistance by PT PNM Mekaar Syariah has great potential in strengthening the role of women in the economy, improving family welfare, and overall having a positive impact on local and national economic growth.
Etika Konsumsi Pakaian Thrifting dalam Perspektif Maslahah di Kalangan Generasi Z: Antara Hemat dan Konsumtif Ahmad Fajar Jaelani; Lilik Rahmawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 2 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i2.6744

Abstract

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.
Systematic Literature Review (SLR) Makna Halalan Thayyiban Bagi Konsumen Muslim pada Produk Makanan di Kabupaten Gresik: Studi Fenomenologi di Toko UD Adji Jaya Makmur Walid In'am Ahmad; Iskandar Ritonga; Mugiyati; Lilik Rahmawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.7976

Abstract

Halalan thayyiban is an important legitimacy that must be owned by every business, especially in food products or products such as beauty and so on as a benchmark for safety and to increase consumer awareness of the importance of using products that already have halal certification and food labeling logos greatly affect the quality of the product. This study aims to determine how the public's perception, especially for Muslim consumers, is in understanding or interpreting food products that are halal thayyiban and how to solve problems related to challenges and opportunities faced by Indonesia in halal certification of food products that are in accordance with applicable BPJPH or LPH regulations. This study uses the SLR paradigm approach or systematic literature review obtained from journals that have been published from 2015 to 2024 after being traced, the results obtained show that there is still a lack of public understanding of the importance of halal certification for a food product because many people still think that food products that do not contain pork, alcohol and the like are included in products that are halal for consumption, but halal standardization is not only seen in terms of product ingredients but also from the production process of using clean kitchen utensils, kitchen sanitation or clean production areas and the like which are very important aspects in assessing the halal standardization of food products that are in accordance with applicable procedures and currently the demand for foreign products, especially halal-certified food or beauty products, is in great demand abroad because it is considered that the goods to be consumed have standardization and go through a very strict process so that they are considered safe for direct consumption can increase the export value of Indonesia in advancing MSME products, especially the halal industry which is currently increasing
Operasional Bisnis Pelaku Usaha di Lingkungan Ponpes Ngalah Pasuruan Perspektif Prinsip-Prinsip Ekonomi Islam Umar Chapra Uyun Nabila; Septi Dwi Arianti; Lilik Rahmawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 12 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i12.10046

Abstract

This research aims to find out the principles of Islamic economics applied by business actors around the Ngalah Islamic boarding school. This research uses a descriptive method with a qualitative approach using observation and interview analysis tools. The results of the research show that business actors around the Ngalah Islamic boarding school apply the principles. -Islamic economic principles are in accordance with those expressed by M, Umar Chapra, where in running their business business actors adhere to the principle of monotheism as the first foundation, they believe that Allah always watches over what they do so that when conducting business they are always based on caution. And carrying out business fairly by not trading goods and businesses that contain elements of maysir, usury and gharar, establishing a family attitude with other business actors by setting the same prices, as well as the principle of kliafah by managing business sourced from good resources and raw materials. , as well as the principle of al-falah by carrying out business that is oriented towards benefits both for consumers, fellow business actors and for themselves.
Analisis Permintaan Modal Kerja Usaha Mikro Pada Masa Pandemi Covid-19 Dalam Prespektif Permintaan Islam Maulana Firdaus Firdaus; Lilik Rahmawati Rahmawati; Zuhrotun Nisa Nisa
Islamic Economics Journal Vol. 8 No. 01 (2022): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

One of the most crucial tools in starting a business is working cash. The Covid-19 Pandemic has been going on since the fourth quarter of 2019, and in the first quarter of 2020, things got so bad that small business owners couldn't raise enough money to keep their operations going. Own capital, money from investment funds, and working capital from banks make up the business's three sources of capital. Working capital from banks refers to funds obtained from banks in the form of financing at Islamic or credit at conventional banks. Economic conditions have improved across a number of industries as a result of the Covid-19 pandemic, which is starting to be under control. In this situation, the government offers a wide range of choices, from restructuring to the provision of new working capital for the microeconomic sector, to sustain economic circumstances so that they can quickly recover. Micro-scale business conditions have quickly improved as a result of the significant number of requests for working capital that financial institutions have received during this pandemic. Lower middle class or MSME entrepreneurs develop a wide range of products that can be offered on the market. Therefore, the goal of this essay is to examine the demand for working capital from an Islamic perspective during the Covid-19 pandemic. The descriptive qualitative approach is used in this research procedure. The findings of this study investigate, from the viewpoint of Islamic demand, the rising need for working capital for microbusinesses during the Covid-19 pandemic.
Behavioral Economics and Islamic Consumption Values: A Conceptual Study on The Rojali-Rohana Phenomenon Adhi Nur Muhammad; Lilik Rahmawati; Siti Musfiqoh
Niqosiya: Journal of Economics and Business Research Vol. 6 No. 1 (2026): January-June 2026
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v6i1.5559

Abstract

Introduction: This study examines how prospect theory and Islamic consumption values intersect in explaining the rise of Rojali and Rohana in Indonesia. Research Method: Using a qualitative approach with a conceptual comparative design, the study analyzes secondary sources, including academic literature, consumer survey reports, and Islamic economic texts, through content analysis to identify points of convergence between the two frameworks. Results: The analysis shows a clear shift in the reference point of these consumers from seeking shopping satisfaction toward safeguarding financial stability, supported by stronger loss aversion and a growing tendency to delay gratification. Islamic values such as halal, tayyib, i’tidal, and the prohibitions of israf and tabdzir reinforce moral discipline that keeps consumption proportional. These psychological and ethical forces combine to create a cautious consumer profile where browsing, comparing prices, or leaving stores without purchasing reflects deliberate risk management rather than irrational hesitation. Their behavior protects financial well-being and aligns each purchase with religious and practical considerations. Conclusion: The main limitation of this study lies in its reliance on secondary data, which cannot fully capture lived consumer dynamics. Future research should adopt quantitative models to measure the scale of this phenomenon or employ ethnography and netnography for a deeper cultural examination of how this behavior emerges and evolves in everyday consumption.
Digitalisasi Pajak dan Etika Syariah: Integrasi Nilai Islam dalam Reformasi Pajak Modern di Indonesia Fathmah Hanum; Lilik Rahmawati
Idarotuna : Journal of Administrative Science Vol. 6 No. 2 (2025): November
Publisher : Program Study Office Adminstrative of Akademi Komunitas Teknologi Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/idarotuna.v6i2.163

Abstract

Indonesia's tax system is undergoing major changes as a result of the development of digital technologies.  However, in order for fiscal policy to be focused on social justice, this modernization necessitates not just technological competence but also the integration of moral and spiritual principles.  With an emphasis on the duties and moral obligations of system management stakeholders (supervisors, IT professionals, and field managers), this study attempts to examine how Sharia ethical concepts are incorporated into tax digitalization.  This study investigates the connection between Islamic economic values like justice (al-'adl), reliability, and transparency with the current practice of tax digitization using a qualitative descriptive analysis approach and literature. The study's conclusions show that incorporating sharia principles is essential for encouraging administrators' moral and spiritual integrity, which will boost public confidence and increase taxpayer compliance. A digital system that guarantees open data flow and real-time accountability at every level, from reporting to fund utilization, based on the administrators' credibility, achieves the necessary transparency. Therefore, tax digitization is a way to realize public benefit through a synergy between spiritual values and technology, which requires fiscal system implementers to uphold high ethical standards.
The Phenomenon of Market Distortion Practices in E-Commerce (Bai' Najasy) Agustin Mila Arlina; Lilik Rahmawati; Ahmad Agus Hidayat
Islamic Economics Journal Vol. 9 No. 01 (2023): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i01.52

Abstract

E-commerce is one of the marketing technologies used as a platform for online buying and selling in the present time. However, in its mechanism, there are similarities with the practice of Market Distortion (bai' najasy) in e-commerce, which is prohibited in Islam. This research aims to understand the practice of Market Distortion (bai' najasy) in e-commerce from the perspective of Islamic economics. This study uses a qualitative descriptive method by conducting direct research on the target audience. It is known that the phenomenon of market distortion (Ba'i Najasy) among e-commerce users in the Tanjung Village, Kedamean Subdistrict, Gresik Regency, still frequently occurs due to consumers being less selective and hasty in choosing a seller for a product. Based on interviews conducted by the researcher with 100 respondents representing the target audience, it was found that 67 of them expressed dissatisfaction with products purchased through e-commerce applications, while 17 others stated that they had been satisfied with their initial purchase but were less satisfied with their second purchase, and 16 others had not experienced what the other respondents had. This indicates the need for education among the public to selectively choose sellers on e-commerce applications.
Co-Authors Abu Yasid Adhi Nur Muhammad Agustin Mila Arlina Agustin Mila Arlina Ahmad Agus Hidayat Ahmad Agus Hidayat Ahmad Agus Hidayat Ahmad Fajar Jaelani Ahmad, Zakiyyah Ilma Aminatul Maghfiroh Andriani Samsuri Ani Lutfiyah Aulia Muannasa Az Zahra Arie Yuniar Baiq Elbadriati Debby Islami Dina Dwi Setiani Eliya Najma Muntazeri Erinda Kusuma Dayanti Faizal Yulianto Fala Akbar Fathoni Farichatus Sholikhah Fathmah Hanum Fatimah Sari Dewi Fauzatul Laily Nisa Gabriele Lailatul Muharromah Hani Mukaromah Hanien Nivanty Hanifah Muslimah Himami, Fatikul Holyness Nurdin Singadimedja Iffah Febri Anti Fitriyatul L Indi Rafiqa Amalia Intan Devi Orlita Sari Iqbal Tanjung Iskandar Ritonga Isvina Vawaidatur Rohmah Khofifatul Qolbi Kholifatul Amanah Laila maghfiroh M. Rizal Leviansyah Maslahah Maslahah Maulana Firdaus Maulana Firdaus Firdaus Moch. Irfansyah Moch. Wahyu Pramuja Mochammad Hafidh Alifuddin Moh Shadam Taqiyyuddin Azka Moh. Romdlon Izzul Haq Mugiyati Muhamad Fauzin Nur Mutimmatul Faidah Nabilatul Amaliyah Nofiana Hudayatin Nurita Sari Rajabiyah Khoirotin Ni’mah Raniah Tasya Nugraha Rofiqotul Izza Septi Dwi Arianti Shakilla Husnia Al Fadhilah Shulhah Nurullaily Siti Musfiqoh Siti Rukmana Syafiratud Daniyas Tanto Fatkhurrozi Tanto Fatkhurrozi Tiara Riski Ulil Absor Faiq Abdiilah Ully Amaliyah Butar Butar Ummiy Fauziyah Laili Uyun Nabila Walid In'am Ahmad Wardah Lutfiah Yusril Hakiki Zainol Hasan Zubaidi Ziyanatun Nafisah Zuhrotun Nisa Nisa Zuhrotun Nisa' Sukaiyan