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All Journal Ulul Albab: Jurnal Studi Islam IQTISHODUNA El-HARAKAH : Jurnal Budaya Islam El-QUDWAH El Dinar The International Journal of Accounting and Business Society KARSA: Jurnal Sosial dan Budaya Keislaman (Journal of Social and Islamic Culture) Islamic Economics Quotient Iqtishoduna: Jurnal Ekonomi Islam International Journal of Multidisciplinary: Applied Business and Education Research Jurnal Ekonomi Syariah Pelita Bangsa Akuntansi Bisnis & Manajemen (ABM)
Muhammad Djakfar
UIN Maulana Malik Ibrahim Malang
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Medicine & Pharmacology Public Health Social Sciences Other

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WAKAF TUNAI SEBAGAI POTENSI PENGEMBANGAN EKONOMI DI INDONESIA Sebuah Analisis antara Peluang dan Tantangan Djakfar, Muhammad
IQTISHODUNA IQTISHODUNA (Vol 3, No 3
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (188.097 KB) | DOI: 10.18860/iq.v2i3.232

Abstract

Several instruments in Islam are prospectively developed to establish social awarness. Cash waqf, for instance, is a promising economic unit although it is considered alien in Islamic community . In Indonesia, it is a potential source  to increase the economic welfare. As a solution to economic crisis, cash waqf is a way to dig up financial source. Muslim may help the nation escape from economic turbulence as well as  they show their obedience to God via charity. Different  from  the traditional concept of waqf which is dominantly associated to hectares of land, cash waqf does not necessarily need huge capital. Īt is only a sum of money which is allocated to an Islamic institution for communal development. Besides these opportunities, some problems are faced. People have not been well informed about the idea of cash waqf. This challenge should be solved by continuous socialization, particularly to waqif (waqf doer) candidate and nadzir (waqf organizer). Cash waqf arrangement is also important to raise welfare of society. Government with its political will has offered several alternatives to improve cash waqf, such as establishing waqf institution and opening waqf network.
ETOS BISNIS ETNIS MADURA PERANTAUAN DI KOTA MALANG: MEMAHAMI DIALEKTIKA AGAMA DENGAN KEARIFAN LOKAL Djakfar, Muhammad
IQTISHODUNA IQTISHODUNA (VOL 7, NO 2
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (96.795 KB) | DOI: 10.18860/iq.v0i0.1739

Abstract

The Madurese ethnic is known as one of the diverse ethnic groups in Indonesia for having a high business ethic. The only question is whether their business ethic due to religious factors, environmental values which forced them to work hard or because of both factors as a result of the dialectical process that eventually forms the Madurese ethnic. Therefore, this true of academic question is to be understood in this study. The object of this study is Madurese ethnic who live in Malang, both from santri and non-santri. The research uses a qualitative approach with a phenomenological and descriptive analysis method. Data mining techniques include observation, interviews, and documentation. The results show that the dialect that has occurred gradually in a relatively long time formed the Madurese ethnic in the city of Malang as a hard worker. It indicates that both santri and non-santri are not separated because motivated by religious teachings and moral values that exist locally. However, the santri groups seem more motivated by religious teachings compare with non-santri groups which more motivated by local wisdom value.
Religion, Work Ethics, and Business Attitude: A Case Study on the Meaning of Business Behavior of Madurese Fruits Traders in Malang Djakfar, Muhammad
The International Journal of Accounting and Business Society Vol 16, No 2 (2007): The International Journal of Accounting and Business Society
Publisher : Accounting Department,

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

Abstract

Islam is a source of motivation to build work ethics and direct the behavior of businessmen. Madurese people are recognized as one of the wandering. ethnics. They are usually good adherence of Islam and tough traders. However, they are often regarded as people who do not really care of ethical values. Based on such characteristics, this dissertation examines their business behavior according to the ethical norms in Malang. There are three aspects that will be explored in this dissertation: (1) the meaning of business ethics, (2) how the traders construct the ethics, and (3) how the traders implement ethics in business activities. Qualitative approach is used to understand this phenomenon. In-depth interview, participatory observation, and documentation were employed to obtain the data. The data were analyzed and interpreted by using social construct analysis. The study shows that pancengan (honest) traders argued that ethical values should be maintained and respected but does not need to be involved in the area of business. For those who do not want to be involved in pancengan, however, ethics was an impoitant requirement in order to obtain the wealth blessed by God. Thus, ethics and business are inseparable. The meaning of ethics was produced from dialectical conditions between their culture and Islamic religious values. How to implement? lt can be understood that the relationship among traders was built because of their feelings of being together, caring, and less competitive. This is induced by the fact that some of them were relatives, or coming from the same place. The traders with pancengan principle tend to be involved in manipulation. For non-pancengan traders, however, they attempt to minimize dishonesty. Both of the groups have positive concern toward their environment; this attitude seems to be influenced by religious values and the government regulation. Keywords: religion, work ethics, business attitude, case study, the meaning of business ethics, traders, Madurese ethnics in Malang
STUDI DAMPAK PEMBERDAYAAN SISTEM KEUANGAN SYARIAH AL-IJARAH BAGI PELAKU UMKM Khasanah, Umrotul; Meldona, Meldona; Djakfar, Muhammad
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 8, No 2 (2020): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v8i2.8856

Abstract

Al-Ijarah's Islamic Financial System has produced strategic results. The Islamic financial system to differentiate from conventional financial systems based on interest (interest), the Islamic financial instrument is the al-ijarah (lease) system. This study aims to reveal the impact of Micro, Small, and Medium Enterprises (MSME) business actors on the Islamic financial system using the al-ijarah instrument; reveal the effect of business land managers leased to MSMEs regarding the Islamic financial system using the al-ijarah instrument. This research puts forward a qualitative descriptive research method with case studies of culinary business actors and providers of land for rent in Malang Raya, East Java. Data analysis uses a gradual approach, namely: analyzing important statements, formulating, describing, reducing data towards findings, propositions, and conclusions. The researcher, as the main instrument, performs data analysis simultaneously. Researchers prioritize observation and interviews. This research found two things: (1) Al-Ijarah business actors successfully overcame obstacles and obstacles. However, they initially applied their abilities as they were, but they could use their management skills quite well after developing. (2) The benefits for entrepreneurs who provide business / al-ijarah land leases are that they are successful in delivering strategic places, easy to reach, availability of parking spaces, and security aspects.
AGAMA DAN PERILAKU BISNIS STUDI KOMPARASI TENTANG MAKNA ETIKA BISNIS BAGI PELAKU SEKTOR INFORMAL KALANGAN ETNIS MADURA DAN MINANGKABAU DI KOTA MALANG Muhammad Djakfar
El-QUDWAH El-Qudwah (10-2006)
Publisher : lp2m-uin malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (168.29 KB)

Abstract

Religion, in this case Islam is the main motivation in constructing ethos of work and directing business behavior of businessmen. In Indonesia, Madura and Minangkabau ethnic are known as obedient Moslem, hard workers, tough and zealous businessmen who do business in informal sector. So far, the business behavior of both ethnics is not really well-known, therefore we conduct the research to know more about their business behavior viewed from the perspective of ethics in Malang. There are two aspects studied in this research. First, is the meaning of business ethic according to both ethnics, and second, is the implementation in the relationship between businessmen, the service to the consumer, and their attitude toward environment. The data are taken through thorough interview, involved observation, and documentation, and then studied using phenomenological method and analyzed with three phases as Miles and Hubermas states, they are data reduction, data display, and conclusion drawing/verification. The research shows that both ethnics give the same meaning to the ethic of business. To them, business is a part  of religious service so that to get good wealth they have to give priority to the value of ethics. Both ethnics believe that that competition is a usual thing in business, all sides are required to obey the value of ethics. They try to be fair and transparent to the consumers, also, they care their environment because they have social responsibility as the compensation to the society that has become their consumers.Kata kunci : Agama, Perilaku Bisnis, Makna Etika Bisnis, Sektor Informal, Etnis Madura, Etnis Minangkabau
Contemporary Islamic Economic Thinking: A Sharia-Based Work Culture Reconstruction Muhammad Djakfar
Karsa: Journal of Social and Islamic Culture Vol. 24 No. 2 (2016): Islam, Culture, and Economics
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/karsa.v24i2.1127

Abstract

The world has three existing economic systems, derived from human thinking product (science) and God’s word. The first leads to secular capitalist and soci-alist system, and the second leads to a transcendent sharia-based economy. In reality, the secular system is not able to provide a fair welfare. In fact, it often triggers human problems. In this matter, the only system able to provide solution is a system derived from God’s word. However, it is important to reveal and im-plement sharia thought from God’s word to make society knowing, under-standing, and applying it in their life. The study is a library research which data are collected using documentary method. The result of the study shows that al-Qardlâwî’s thinking is purely based on God’s word using mu’âmalah, fiqh, and akhlâq approach. Meanwhile, Chapra tries to cover how the work practice of con-ventional economy and compare it to Islamic system, and tries to offer solution using scientific approach and Islamic values. The relevance of both thinkings is that they are able to provide Islamic values in the economic development, which is lack of spiritual content.Copyright (c) 2016 by KARSA. All right reserved  DOI: 10.19105/karsa.v24i2.1127
Kepemilikan Sumber Daya Air Pada Sistem Kesubakan Dalam Perspektif Ekonomi Islam Moh. Khoirul Anam; Muhammad Djakfar; Ahmad Djalaluddin
Islamic Economics Quotient: Journal of Economics & Business Sharia Vol 1, No 1 (2018)
Publisher : Pascasarjana Uin Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (965.684 KB) | DOI: 10.18860/.v1i1.4629

Abstract

TujuanPenelitian ini bertujuan untuk mencari tahu kepemilikan mutlak sumber daya air di Desa Kotaraja Kecamatan Sikur Kabupaten Lombok Timur.Desain/metodologi/pendekatanMetode penelitian atau pendekatan yang digunakan adalah pendekatan kualitatif dengan jenis penelitian studi kasus.Hasil temuanDari beberapa data yang ada menunjukan bahwa sumber daya air di Desa Kotaraja Kecamatan Sikur Kabupaten Lombok Timur memang menjadi kepemilikan umum tetapi dalam pengelolaannya dikuasai penuh oleh pemerintah, hal ini menjadi penting karena untuk menghindari adanya kekerasan dan kecurangan yang terjadi dalam pembagian sumber daya air di Lombok Timur.Keterbatasan penelitianKeterbatasan penelitian ini adalah hanya mengacu pada masalah kepemilikan sumber daya air dalam perspektif Islam dan konvensional tetapi tidak disertai dengan dalil-dalil yang berhubungan.Implikasi praktisDengan adanya penelitian tentang kepemilikan kesubakan (SDA) dalam perspektif ekonomi Islam ini, diharapkan akan menambah wawasan keilmuan akademis tentang  pengembangan teori kepemilikan dan pengelolan sumber daya air yang berbasis kearifan lokal.Implikasi sosialPenelitian ini diharapkan menambah pengetahuan terhadap kelebihan serta kekurangan tentang prosedur maupun mekanisme kerja dalam kepemilikan sumber daya air pada sistem subak dalam perspektif ekonomi Islam dan sebagai motivasi dan intropeksi kepada pekasih dalam menjalankan usahanya sebagai pengatur sumber daya air di masyarakat Desa Kotaraja.Orisinalitas/nilaiKebaharuan dari jurnal ini adalah belum adanya penelitian ilmiah tentang kesubakan di daerah Lombok Timur, karena selama ini penelitian tentang Subak selalu dilakukan di Bali. Selain itu, belum adanya pembahasan tentang subak yang menyangkut kepemilikan sumber daya air itu sendiri karena penelitian kesubakan yang sudah ada selalu berputar pada pembahasan kelestarian lingkuan dan sosial masyarakat.Kata kunci:  Kepemilikan, Sumber Daya Air, Sistem Kesubakan, Perspektif Ekonomi Islam.
NILAI KEISLAMAN DAN KEARIFAN LOKAL DALAM PENGEMBANGAN PARIWISATA HALAL PASCA COVID 19 DI KOTA MALANG Budiyono Santoso; Muhammad Djakfar
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 7 No. 01 (2022): JESPB Edisi April 2022
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v7i01.321

Abstract

Cultural and religious values ​​have great potential in the development of halal tourism. Religious values ​​and local wisdom can play a role both in destination development and in tourist services. The city of Malang as one of the pilots of the halal tourism city project, can take advantage of Islamic values ​​and local wisdom that exists in the community to develop halal tourism. This article seeks to explore Islamic values ​​and local wisdom of the people of Malang City and their implementation in the development of halal tourism. This study proposes prophetic traits (shiddiq, amanah, tabligh, fathonah) as Islamic values ​​to be used in the development of halal tourism in Malang City. Meanwhile, diversity, progressiveness and egalitarianism are values ​​of local wisdom that support the development of Halal tourism in Malang City. The prophetic nature in the development of halal tourism in Malang is implemented, one of which is the commitment to meet the standard of the halal assurance system, Clean, Health, Safety, and Environmental Sustainability (CHSE) certification, attention to environmental sustainability, community empowerment and the development of promotional innovations with information technology and social media. While the "arek" culture in Malang City with the characteristics of diversity, open to change, adaptable, egalitarian and progressive is implemented in the development of thematic villages and the active role of the community in the development of tourist destinations in Malang City.
Etika Bisnis Islam Dalam Upaya Pengembangan Ekonomi Sektor Industri Halal Pahlevi Wulandari, Efriza; Muhammad Djakfar
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 7 No. 02 (2022): JESPB Edisi Oktober 2022
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v7i02.419

Abstract

Indonesia memiliki potensi besar dalam pengembangan industri halal, karena banyaknya penduduk muslim yang ada di Indonesia. Industri halal dalam rangka pengembangan ekonomi syariah harus mengutamakan aspek hukum dan etika yakni harus menerapkan prinsip-prinsip hukum dan etika bisnis yang Islami. Sedikit dari pedagang yang menggunakan atau menerapkan praktik etika bisnis secara Islam dan belum semuanya faham dengan etika bisnis secara Islam. Sehingga perlu adanya tindakan tentang bagaimana etika bisnis yang dijalankan dengan syariat Islam agar dapat menjadikan gambaran tentang perkembangan ekonomi sektor industri halal dan bidang mana saja yang mampu menjadi kekuatan industri halal di Indonesia. Metode penelitian yang digunakan adalah kajian literatur. Hasil penelitian menjelaskan bahwa dalam upaya pengembangan industri halal, etika bisnis sangat diperlukan karena berkaitan dengan perilaku bisnis diantaranya etika dalam produksi barang atau jasa, pemasaran produk, etika dalam legalitas bisnisnya, etika dalam menggunakan modal, dan etika dalam memanfaatkan sumberdaya manusia. Industri produk halal akan lebih mampu bersaing dengan menerapkan etika bisnis Islam dengan kelima aspek tersebut.
Risk Management Based on Islamic Boarding School Ekaningsih, Lely Ana Ferawati; Salim, Ubud; Djumahir, Djumahir; Indrawati, Nur Khusniyah; Djakfar, Muhammad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 11 No. 2 (2022): October
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (297.041 KB) | DOI: 10.54471/iqtishoduna.v11i2.1462

Abstract

Uncertainty is often associated with risk, in Islamic economics the concept of uncertainty becomes one of the important pillars in the Islamic risk management process. Nothing in this life is free from risks and facts in every organization and its activities. The purpose of this research is to reveal and explain in depth the implementation of Islamic boarding school risk management.The paradigm used is post-positivistic. This type of research uses case studies. The key informant is the manager of the pesantren. Data analysis was carried out by an interactive analysis of the model from Miles and Huberman. The application of risk management at the Manba'ul Ulum Islamic boarding school in Banyuwangi Regency from the results of the study stated that it was very beneficial/positive, as evidenced by the increase in the number of students studying at the pesantren after experiencing the pandemic period from 2019. Islamic values ​​frame Islamic boarding school risk management activities as a source of inspiration and aspirations. Has been applied by the predecessors and is a character that shapes the santri so that they are not shaken under any conditions, besides that it is also sourced from the Islamic values ​​​​of the Qur'an and hadith as principles, then the educational curriculum is sourced from the book of ridhotun nashihin or akhlaq.
Co-Authors Ahmad Djalaluddin Budiyono Santoso Djumahir Djumahir Efriza Pahlevi Wulandari Fani Firmansyah Lely Ana Ferawati Ekaningsih Meldona Moh. Khoirul Anam Nur Khusniyah Indrawati Puji Endah Purnamasari Rasmianto Rasmianto Ubud Salim Umrotul Khasanah