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All Journal IQTISHODUNA Jurnal Akuntansi Multiparadigma Dinar: Jurnal Ekonomi dan Keuangan Islam AKRUAL: Jurnal Akuntansi Islamic Economics Quotient ILTIZAM Journal of Sharia Economic Research Al-Banjari : Jurnal Ilmiah Ilmu-Ilmu Keislaman Khazanah: Jurnal Studi Islam dan Humaniora Iqtishoduna: Jurnal Ekonomi Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam AKUNTABILITAS: Jurnal Penelitian dan Pengembangan Akuntansi TADBIR: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan Journal of Sharia Economics An-Nisbah : Jurnal Perbankan Syariah Shafin: Sharia Finance and Accounting Journal Share: Jurnal Ekonomi dan Keuangan Islam Asian Journal of Community Services (AJCS) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba Maliki Islamic Economics Journal INASJIF Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Studi Multidisipliner: Jurnal Kajian Keislaman At-Tawazun, Jurnal Ekonomi Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Currency LAN TABUR: JURNAL EKONOMI SYARIAH
Ahmad Djalaluddin
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences

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Women, Tourism, and Sharia Finance: A Synergy Model for Sustainable Development in Tourist Destinations Laily Rosyidi; Ahmad Djalaluddin; Eko Suprayitno; azy athoillah yazid
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.183

Abstract

Introduction: The synergy between women's empowerment, tourism development, and sharia finance is still rarely explored in the context of specific tourist destinations in Indonesia. This research aims to fill this gap by examining beach and nature tourism destinations in Banyuwangi Regency. Methods: This study used a descriptive qualitative approach with a dual case study design. Data were collected through participatory observation, semi-structured in-depth interviews with 15 key informants (selected through snowball sampling), and documentation studies at two locations: Pulau Merah Beach (community-based tourism) and Djawatan Tourism Forest (corporate-managed tourism). Data analysis followed the interactive model of Miles, Huberman, and Saldana using Atlas.ti 9. Results: Women play a vital role in the tourism ecosystem, with a 75% participation rate in micro and small enterprises in community-based destinations. However, their representation in leadership and decision-making positions is still minimal (<5%). Bank Syariah Indonesia (BSI) has undertaken various initiatives in sharia financing and fintech services, but adoption among women entrepreneurs is very low (<10%) due to literacy barriers, perception of procedural complexity, and incompatibility of product design with tourism business characteristics. Conclusions and suggestions: The synergy of the three axes (women, tourism, Islamic finance) is still weak and hampered by non-inclusive destination governance models, patriarchal cultural norms, and a lack of supporting policies. This study proposes a revised Three Axis model by adding contextual mediator factors. Recommendations include the redesign of gender-responsive products by Islamic financial institutions and the implementation of a minimum quota of 30% women in the tourism governance structure.
Analisis Multi Akad dalam Pembiayaan Hybrid KPR-Inhouse pada Industri Perumahan PT. Karya Cipta Sakinah Perspektif Ekonomi Syariah Qaidul Muttaqin; Ahmad Djalaluddin; Masyhuri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (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.v7i3.5959

Abstract

The purpose of this research is to analyze the elements of multiple contracts in the application of the KPR-Inhouse hybrid financing model in the housing industry of PT Karya Cipta Sakinah, Paiton Probolinggo District as well as the obstacles and prospects in its application. The method used is qualitative with the type of field research. Researchers focus on the results of data collection from predetermined informants. The results showed that the hybrid financing system that combines the murabahah contract in the Sharia KPR and the ba'i taqsith contract in the inhouse scheme, is not included in the multi-contract category because each contract stands alone. The main obstacle to its implementation is the low Islamic financial literacy among the public, which limits the understanding and acceptance of this model. However, this system has positive prospects to support Islamic financial inclusion as it can reach community groups that are underserved by formal banks. This system has the potential to be adopted by more housing developers and contribute to the expansion of access to Islamic finance in Indonesia.
ANALISIS AKUNTABILITAS DAN TRANSPARANSI DALAM PELAPORAN KEUANGAN ORGANISASI NIRLABA Fardan Dariri; Ahmad Djalaluddin
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 3 (2025): Edisi September - Desember 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i3.6326

Abstract

Penelitian ini bertujuan untuk menganalisis akuntabilitas dan transparansi dalam pelaporan organisasi keuangan nirlaba pada Yayasan Harfin Gosari serta menilai kesesuaiannya dengan standar ISAK 335. Yayasan sebagai entitas nirlaba memiliki kewajiban moral dan hukum untuk menyajikan laporan keuangan yang akuntabel dan transparan guna menjaga kepercayaan donatur dan pemangku kepentingan. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi lapangan. Data primer dikumpulkan melalui wawancara mendalam dengan pengurus yayasan, sementara data sekunder diperoleh dari dokumen pelaporan keuangan dan profil yayasan. Teknik analisis data menggunakan model Miles dan Huberman yang meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa Yayasan Harfin Gosari telah menerapkan prinsip akuntabilitas melalui penyusunan Rencana Kerja dan Anggaran Yayasan (RKAY), keberadaan SOP, sistem evaluasi internal, dan pelaporan keuangan yang rutin. Namun fungsi pengawasan belum sepenuhnya formal karena belum terdapat divisi audit internal. Dari sisi transparansi, informasi keuangan disampaikan kepada donatur utama secara internal, namun belum dipublikasikan secara luas karena sumber dananya berasal dari entitas internal. Yayasan pelaporan keuangan telah mencakup laporan posisi keuangan, laporan arus kas, dan laporan aktivitas dalam bentuk inflow-outflow, namun belum sepenuhnya menyajikan perubahan laporan aset neto dan catatan atas laporan keuangan sesuai ketentuan ISAK 335. Penelitian ini merekomendasikan peningkatan pemahaman dan pelatihan terkait ISAK 335 guna mendorong pelaporan keuangan yang lebih optimal dan sesuai standar.
OPTIMALISASI NILAI EKONOMI LIMBAH INDUSTRI TAHU SEBAGAI BIOGAS PERSPEKTIF MAQASHID SYARIAH: STUDI PADA INDUSTRI TAHU DESA BICORONG KABUPATEN PAMEKASAN Ach Salehoddin Al Ayubi; Misbahul Munir; Ahmad Djalaluddin
Currency (Jurnal Ekonomi dan Perbankan Syariah) Vol. 5 No. 1 (2026): Currency
Publisher : LP2M AL-KHAIRAT PAMEKASAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/currency.v5i1.2148

Abstract

Limbah industri tahu yang tidak dikelola dengan baik dapat menimbulkan pencemaran lingkungan serta mengganggu aktivitas sosial ekonomi masyarakat. Di Desa Bicorong, Kabupaten Pamekasan, limbah tersebut diolah menjadi biogas sebagai solusi lingkungan sekaligus sumber nilai ekonomi baru. Penelitian ini bertujuan untuk menganalisis: (1) bentuk penciptaan nilai ekonomi dari pengelolaan limbah tahu menjadi biogas; (2) dampak ekonomi, sosial, dan lingkungan dari pemanfaatan biogas; serta (3) optimalisasi nilai ekonomi limbah tahu dalam perspektif maqashid syariah. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus yang dilakukan di Desa Bicorong. Data diperoleh melalui observasi partisipatif, wawancara mendalam, dan dokumentasi, kemudian dianalisis menggunakan model Miles dan Huberman. Keabsahan data diuji melalui triangulasi sumber dan metode. Hasil penelitian menunjukkan bahwa: pertama, pengelolaan limbah tahu menjadi biogas mampu menciptakan nilai ekonomi melalui transformasi limbah menjadi energi alternatif (Waste to Value), menghasilkan nilai tambah, meningkatkan efisiensi biaya energi (Cost Saving), serta mendorong produktivitas pertanian dan kontribusi terhadap pendapatan desa (Multiplier Effect). Kedua, pemanfaatan biogas memberikan dampak multidimensional, yaitu secara ekonomi mengurangi pengeluaran dan meningkatkan hasil, secara sosial memperkuat kerja sama serta mengurangi konflik, dan secara lingkungan menurunkan pencemaran. Ketiga, optimalisasi ini dalam perspektif maqashid syariah tercermin pada Hifz al-Nafs melalui lingkungan yang lebih sehat, Hifz al-Mal melalui efisiensi dan peningkatan produktivitas, serta Hifz al-Bi’ah sebagai tanggung jawab ekologis. Penelitian ini merekomendasikan penguatan dukungan pemerintah desa, peningkatan teknologi, dan pengembangan kapasitas masyarakat untuk keberlanjutan program biogas.
Customer Lived Experiences in Islamic Home Financing: Towards a Maqashid-al-Shariah-Oriented Financing Model Anas Tania Januari; Muhtadi Ridwan; Ahmad Djalaluddin
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3076

Abstract

This study explores the lived experiences of customers utilizing Islamic home financing in Malang City, Indonesia, focusing on how they perceive the practice beyond its financial transactions. While Indonesia's Islamic banking sector continues to expand, limited research examines how customers internalize ethical and spiritual values within financing schemes such as murābaḥah and mushārakah mutanāqiṣah. Using Husserl's descriptive phenomenology, in-depth interviews were conducted with clients of Islamic banks in Malang. The analysis revealed four key themes: (1) religious, economic, and practical motivations influencing financing decisions; (2) the conceptualization of home ownership as a symbol of dignity, familial trust, and intergenerational security; (3) experiences of financial challenges and adaptive strategies for fulfilling obligations; and (4) spiritual meanings of home financing as a path to divine blessing (barakah) and worship. These findings demonstrate that Islamic home financing functions not merely as a financial instrument but also as a multidimensional lived experience that integrates material and spiritual aspirations. Theoretically, this research enriches Islamic finance literature through phenomenological insights, while practically offering implications for Islamic financial institutions and regulators to strengthen ethical service delivery, product innovation, and consumer literacy aligned with the maqāṣid al-sharī‘ah framework.
Peran Religiusitas dalam Konteks Multikultural Preferensi Muslim terhadap Bank Islam Budiyono Santoso; Ahmad Djalaluddin; Aunur Rofiq
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 1 (2026): April
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v15i1.3416

Abstract

Islamic banking continues to face challenges in attracting and retaining Muslim consumers despite the growing demand for Sharia-compliant financial services. This study examines the role of intrinsic and extrinsic religiosity in shaping Muslim consumers’ preferences for Islamic banking in Indonesia, with consumer knowledge, awareness, and attitudes considered within the proposed relationship. Using a quantitative research design, data were collected through an online survey of 162 Islamic bank customers in Indonesia and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings show that extrinsic and intrinsic religiosity significantly influence consumer awareness, while intrinsic religiosity also significantly influences consumer attitudes. Consumer awareness, knowledge, and attitudes significantly affect consumer preferences. Extrinsic religiosity has a significant negative direct effect on consumer preferences, whereas the direct effect of intrinsic religiosity on preferences is not statistically significant. These findings indicate that religiosity influences Islamic banking preferences through different pathways, particularly through consumer awareness and attitudes. The study contributes to Islamic banking literature by distinguishing the effects of intrinsic and extrinsic religiosity and provides practical implications for strengthening consumer awareness and communication strategies in Islamic banking.
PHILANTHROPY AMONG EMERGING MIDDLE-CLASS MUSLIMS IN THE INTEGRATED ISLAMIC SCHOOLS NETWORK (JSIT): NEGOTIATING RELIGIOUS COMMODIFICATION AND SOCIAL PIETY Ririn Tri Puspita Ningrum; Siswanto Siswanto; Ahmad Djalaluddin; Muhammad Muchlish Huda
Khazanah: Jurnal Studi Islam dan Humaniora Vol. 23 No. 1 (2025)
Publisher : UIN Antasari Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/khazanah.v23i1.15888

Abstract

This article examines the reciprocal relationship between the commodification of religion and philanthropic practices at integrated Islamic primary schools within the Integrated Islamic Schools Network (JSIT) in Ponorogo, East Java. Using an ethnographic case study, the research focuses on middle-class Muslim families to understand how religious and philanthropic activities are transformed into commodities. Data were collected through interviews, observations, and documentation involving middle-class Muslims and educators from the tarbiyah community, affiliated with the Prosperous Justice Party (PKS). The study reveals that the rise of the Muslim middle class in Ponorogo, reflecting broader national trends, is shaped by political, cultural, and ideological dynamics. A key finding is the transformation of parental philanthropy into a form of “social piety,” where giving is reframed as both religious devotion and social responsibility. Schools and educators actively cultivate this practice by repackaging Islamic values into attractive commodities that align with middle-class aspirations. The study contributes by showing how philanthropy functions not only as an economic resource but also as a cultural and political instrument in shaping Muslim middle-class identity. It advances debates on the commodification of religion and highlights the socio-political role of philanthropy in contemporary Indonesian Islam.
Co-Authors Ach Salehoddin Al Ayubi Ahmad Fajri Ahmad Muhtadi Ridwan Aji Dedi Mularwaman Anas Tania Januari Ari Kamayanti Asfi Manzilati Aunur Rofiq Aunur Rofiq Ayub Wijayati Sapta Pradana Azizah, Aryanti Nur Azy Athoillah Yazid Benny Afwadzi, Benny Budiyono Santoso Darti Djuharni Dewi Mumpuni Dewi Mumpuni Dyah Febriantina Istiqomah Eko Suprayitno Fachrudin Fiqri Affandy Fadjar Setiyo Anggraeni Fardan Dariri Hidayatulloh, Muhammad Haris Ida Ayu Putu Sri Widnyani Jazuli, Jazuli Kholilah Kholilah Kolilah, Kholilah Lailatul Ulfiyah Laily Rosyidi Lempang Hasibuan Lifia Lutfillah, Novrida Maghfuroh, Nuril Laila Masyhuri Meldona Misbahul Munir Misbahul Munir Misbahul\ Munir Moch. Bukhori Muslim Moh. Khoirul Anam Muhamad Zainal Abidin Muhammad Anas Muhammad Djakfar Muhammad Hikam Muhammad Hikam, Muhammad Muhammad Majduddin Muhammad Muchlish Huda Muhammad Muchlish Huda, Muhammad Muchlish Muhammad, Zaydan Muthohar, Muhammad Amin Nevi Danila Ningrum, Ririn Tri Puspita Nur Asnawi Oria, Ehsanullah Qaidul Muttaqin Rahmi Septiyani Rikza, Abdullah Ririn Tri Puspita Ningrum Rizka Amalia Rizki, Kamalia Fitri S Siswanto Saifu din Salim Al Idrus Sismanto Sismanto Siswanto Siswanto Siswanto Siti Masriyah Sonhaji *), Ferra Ika Wardani Solechan Sri Andriani Syuhri, Saifuddin Tumirin Umi Sumbulah Virginia Nur Rahmanti Yazid, Azy Athoillah Yousf Faraj Hadiri