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Equity Crowdfunding dan Usaha Mikro Kecil Menengah: Kajian Equity Crowdfunding sebagai Instrumen Pendanaan UMKM Syariah: Equity Crowdfunding and Micro, Small and Medium Enterprises: Study of Equity Crowdfunding as a Sharia MSME Funding Instrument Wilantini, Cici'; Fadllan, Fadllan
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 11 No. 1 (2021): el-Qist
Publisher : Islamic Economic Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2021.11.1.82-97

Technological developments can present a financial system that is increasingly developing, effective, practical and transparent. From these developments, crowdfunding was born from a social aspect, namely helping each other and mutual cooperation that develops following technological developments. Crowdfunding is not a new concept but has been around for a long time. This article wants to study how relevant equity crowdfunding is used as a funding instrument in sharia Micro, Small and Medium Enterprises (MSMEs). This study uses library research with secondary data obtained from several books, journals, news articles, and other publications with similar research topics. Equity crowdfunding is considered relevant to be a funding system for sharia MSMEs. It is because the equity crowdfunding system does not charge interest on the part of the user of the fund, in line with sharia MSMEs that require a sharia-based funding system. This study reveals that from an Islamic perspective, equity crowdfunding is following the principles of Islamic sharia, namely avoiding MAGHRIB (maysir, gharar, haram, riba and batil); it is relevant as a funding instrument for MSMEs that produce halal products. Even so, the implementation of equity crowdfunding as a sharia MSME funding system still needs supervision from the Sharia Supervisory Board so that activities in it are monitored and do not go out of sharia principles. Keywords: Equity Crowdfunding; MSMEs; Sharia MSMEs; Funding. Â Abstrak: Perkembangan teknologi mampu menghadirkan sistem keuangan yang semakin berkembang, efektif, praktis dan transparansi. Dari perkembangan tersebut menjadikan crowdfunding yang lahir dari aspek sosial yaitu tolong menolong dan gotong royong ikut berkembang mengikuti arus perkembangan teknologi. Crowdfunding sebenarnya bukanlah konsep baru tetapi telah ada sejak dulu. Artikel ini ingin mengkaji bagaimana equity crowdfunding relevan digunakan sebagai instrument pendanaan dalam Usaha Mikro Kecil Menengah (UMKM) syariah. Kajian ini menggunakan penelitian kepustakaan (Library Research) dengan data skunder yang diperoleh dari beberapa buku, jurnal, artikel berita serta publikasi lainnya yang memiliki kesamaan dengan topik penelitian. Equity crowdfunding dianggap relevan menjadi sebuah sistem pendanaan bagi UMKM syariah. Hal itu disebabkan karena pada sistem equity crowdfunding tidak mengenakan bunga pada pihak pengguna dana. Senada dengan UMKM syariah yang membutuhkan sistem pendanaan berbasis syariah. Kajian ini mengungkap bahwa dari perspektif Islam, equity crowdfunding sesuai dengan prinsip-prinsip syariah Islam yaitu terhindar dari MAGHRIB (maysir, gharar, haram, riba dan batil), ia relevan sebagai instrument pendanaan UMKM yang memproduksi produk halal. Meskipun demikian, penerapan equity crowdfunding sebagai sistem pendanaan UMKM syariah tetap perlu pengawasan dari Dewan Pengawas Syariah agar aktivitas di dalamnya tetap terpantau dan tidak keluar dari prinsip-prinsip syariah. Kata Kunci: Equity Crowdfunding; UMKM; UMKM Syariah; Pendanaan.

HALAL TOURISM AS AN ALTERNATIVE TO IMPROVE THE ECONOMY OF LOCAL COMMUNITIES IN PAMEKASAN DISTRICT Fadllan, Fadllan; Maufiroh, Lailatul
An-Nisbah: Jurnal Ekonomi Syariah Vol 10 No 2 (2023): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v10i2.8295

Abstrak: Pariwisata halal bukanlah hal baru bagi masyarakat. Potensi kekayaan alam, budaya, tradisi, adat istiadat, serta agama dapat menjadi potensi besar bagi Kabupaten Pamekasan. Jumlah Pariwisata yang sudah banyak dikelola di setiap daerah yang ada di Kabupaten Pamekasan menjadi bukti bahwa Pamekasan memiliki SDA dan SDM yang sangat kolaboratif, terlebih lagi letak wilayah Pamekasan berada di lintas jalan Kabupaten Sampang dan Sumenep, bahkan Pamekasan memiliki pesantren-pesantren besar, sehingga potensi pariwisata halal dapat dikomunikasikan dengan tokoh-tokoh agama setempat. Namun demikian, persentase kemiskinan di Kabupaten Pamekasan masi atas 13% selama lima tahun terakhir. Potensi Pariwisata halal ini dapat menopang perekonomian masyarakat lokal dengan mengurangi tingkat pengangguran, meningkatkan pendapatan masyarakat, pemberdayaan masyarakat, serta menjaga kelestarian lingkungan. Penelitian ini menggunakan metode kualitatif dengan mengeksplorasi pengembangan pariwisata halal sebagai upaya peningkatan ekonomi masyarakat lokal di Kabupaten Pamekasan. Data Primer diperoleh melalui observasi secara personal pada beberapa kecamatan di Kabupaten Pamekasan dan data sekunder diperoleh dari berbagai literatur tentang pariwisata halal dan ekonomi lokal. Hasil dari penelitian ini menyatakan bahwa sektor pariwisata syariah diyakini mampu meningkatkan perekonomian lokal masyarakat; pemerintah dan masyarakat diharapkan dapat berkolaborasi sebagai pemangku kebijakan dan pengelola pariwisata halal; optimalisasi SDA dan SDM diperlukan untuk meningkatkan kompetensi dan kualitasnya; serta optimalisasi pariwisata halal dapat dikembangkan mengikuti perkembangan teknologi seperti promosi yang ada di media sosial. Kata kunci: pariwisata halal; ekonomi lokal, manajemen SDA, manajemen SDI Abstract: Halal tourism is not a new term for the society. The potential for natural wealth, culture, traditions, customs, and religion can be a great potential for Pamekasan Regency. The number of tourism destinations that has been managed in many areas in Pamekasan Regency is proved that Pamekasan has very collaborative natural resources and human resources, moreover Pamekasan area is on the crossroads of Sampang and Sumenep Regencies. Eventhough, Pamekasan has large Islamic boarding schools, so the potential Halal tourism can be communicated with local religious leaders. This potential of halal tourism can support the economy of local communities by reducing unemployment rates, increasing people's income, empowering society, and preserving the environment. This research uses a qualitative method by exploring the development of halal tourism as an effort to improve the economy of local society in Pamekasan. Primary data was obtained through personal observation in several sub-districts in Pamekasan Regency and secondary data was obtained from various literature on halal tourism and the local economy. The results of this study state that the sharia tourism sector is believed to be able to improve the local society’s economy; the government and the community are expected to be able to collaborate as policy makers and managers of halal tourism; optimization of natural resources and human resources is needed to improve competence and quality; and optimization of halal tourism can be developed following technological developments such as promotions on social media. Keywords: halal tourism, economy of local society, SDA management, SDI management.

The Mediating Role of Islamic Spirituality in Shaping Career Interest in Islamic Banking Mauludi AC, Ali; Fadllan, Fadllan; Haryanti, Nik
Share: Jurnal Ekonomi dan Keuangan Islam Vol 14, No 1 (2025): IN PROGRESS
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v14i1.26092

This study examines Islamic spirituality as an intervening variable mediating the relationship between religiosity, the sharia system, professionalism, and career interest in Islamic banking among students at Islamic higher education institutions in East Java, Indonesia. Employing a quantitative approach, the research utilized purposive and random sampling techniques to survey 150 respondents, determined using the Lemeshow method. Data were analyzed through multiple regression and path analysis within an associative comparative framework. Findings reveal that religiosity and the sharia system lack direct influence on career interest but exhibit significant indirect effects when mediated by Islamic spirituality. Conversely, professionalism directly and positively impacts career interest without requiring spiritual mediation. The study highlights the critical role of Islamic spirituality in amplifying religiosity and sharia adherence to shape career aspirations, while professionalism independently drives career interest. Theoretical implications suggest that Islamic spirituality bridges ideological principles with vocational motivation, whereas practical insights emphasize integrating spiritual values into academic curricula and fostering workplace environments that reinforce sharia compliance. These outcomes underscore the need for Islamic financial institutions to cultivate spiritual motivation among employees to align operational practices with ethical foundations.========================================================================================================ABSTRAK - Peran Mediasi Spiritualitas Islam dalam Membentuk Minat Karir di Perbankan Syariah. Penelitian ini mengkaji spiritualitas Islam sebagai variabel intervening yang memediasi hubungan antara religiositas, sistem syariah, profesionalisme, dan minat berkarir di perbankan syariah pada mahasiswa di perguruan tinggi Islam di Jawa Timur, Indonesia. Dengan pendekatan kuantitatif, penelitian ini menggunakan teknik purposif dan random sampling untuk mensurvei 150 responden, yang ditentukan dengan metode Lemeshow. Data dianalisis melalui regresi berganda dan analisis jalur dalam kerangka penelitian lapangan komparatif asosiatif. Hasil analisis menunjukkan bahwa religiositas dan sistem syariah tidak berpengaruh langsung pada minat berkarir, tetapi memiliki efek tidak signifikan ketika dimediasi oleh spiritualitas Islam. Di sisi lain, profesionalisme berdampak positif secara langsung pada minat berkarir tanpa memerlukan mediasi spiritual. Studi ini menekankan peran krusial spiritualitas Islam dalam memperkuat religiusitas dan kepatuhan syariah untuk membentuk minat karir, sementara profesionalisme secara independen mendorong minat berkarir. Implikasi teoretis menunjukkan bahwa spiritualitas Islam menjembatani prinsip ideologis dengan motivasi vokasional, sedangkan implikasi praktis menyarankan integrasi nilai spiritual dalam kurikulum akademik dan pengembangan lingkungan kerja yang memperkuat kepatuhan syariah. Hasil ini menegaskan pentingnya lembaga keuangan Islam dalam menumbuhkan motivasi spiritual karyawan guna menyelaraskan praktik operasional dengan fondasi etis.

Konsep Fair Price dalam Ekonomi Islam: Perspektif Historis, Filosofis dan Implementasi Sistem Perdagangan Modern Linda Sari, Mailatun; Fadllan, Fadllan; Ningsih, Sri Wahyuni; Dwi Aprianto, Mohammad Andri
Moderasi : Journal of Islamic Studies Vol. 5 No. 1 (2025): June
Publisher : Lajnah Ta'lif wan Nasyr Nahdlatul Ulama (LTN-NU) Kabupaten Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/moderasi.v5i1.97

The concept of fair price in Islamic economics is a fundamental aspect that emphasizes the balance between economic profit and moral principles. In Islamic economics, fair prices are not only determined by market mechanisms, but also consider ethical values, social justice, and common welfare. This article uses the literature review method (Library Research) to analyze the concept of fair prices in various Islamic perspectives. The results of the study show that: 1) Historically, Fair Price has been applied since the time of the Prophet PBUH by rejecting the practice of monopoly, hoarding, and fraud, and emphasizing fairness in transactions. 2) Philosophically, this concept is rooted in the principles of maslahah (benefit) and adl (justice), which ensures that the price of an item reflects its fair value without harming one party. 3) In modern practice, this concept is implemented in sharia-based price regulations, halal trading systems, and Islamic economic policies that emphasize transparency and social welfare. The results of this study show that Fair Prices in Islamic economics remain relevant in building a fairer and more sustainable trading system

Tradition of Gratitude (Slametan) before Starting a Business and Whening a Success: A Business Ethics Perspective in Pamekasan, Madura Khoirun Nisa', Nafilatun; Fadllan, Fadllan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.6999

This study examines the practice of slametan tradition before starting a business and during business glory in Kadur Village, Kadur Subdistrict, Pamekasan Regency, in the perspective of Islamic business ethics. The slametan tradition carried out by the community involves reciting prayers, Al-Qur'an, tahlil, and giving alms (bherkat), and is believed to bring blessings and safety in business. The research used qualitative methods with observation techniques and interviews with business people in the village. The results showed that the slametan tradition has become a hereditary habit that is loaded with spiritual, social, and ethical values. This tradition reflects Islamic moral values such as gratitude, tawakal, almsgiving, respect for ancestors, and strengthening social relations. In the context of Islamic business ethics, this tradition is a form of integration between divine values and economic practices that are oriented towards the balance of the world and the hereafter.

The Mediating Role of Islamic Spirituality in Shaping Career Interest in Islamic Banking Mauludi AC, Ali; Fadllan, Fadllan; Haryanti, Nik
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 14 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v14i1.26092

This study examines Islamic spirituality as an intervening variable mediating the relationship between religiosity, the sharia system, professionalism, and career interest in Islamic banking among students at Islamic higher education institutions in East Java, Indonesia. Employing a quantitative approach, the research utilized purposive and random sampling techniques to survey 150 respondents, determined using the Lemeshow method. Data were analyzed through multiple regression and path analysis within an associative comparative framework. Findings reveal that religiosity and the sharia system lack direct influence on career interest but exhibit significant indirect effects when mediated by Islamic spirituality. Conversely, professionalism directly and positively impacts career interest without requiring spiritual mediation. The study highlights the critical role of Islamic spirituality in amplifying religiosity and sharia adherence to shape career aspirations, while professionalism independently drives career interest. Theoretical implications suggest that Islamic spirituality bridges ideological principles with vocational motivation, whereas practical insights emphasize integrating spiritual values into academic curricula and fostering workplace environments that reinforce sharia compliance. These outcomes underscore the need for Islamic financial institutions to cultivate spiritual motivation among employees to align operational practices with ethical foundations.========================================================================================================ABSTRAK - Peran Mediasi Spiritualitas Islam dalam Membentuk Minat Karir di Perbankan Syariah. Penelitian ini mengkaji spiritualitas Islam sebagai variabel intervening yang memediasi hubungan antara religiositas, sistem syariah, profesionalisme, dan minat berkarir di perbankan syariah pada mahasiswa di perguruan tinggi Islam di Jawa Timur, Indonesia. Dengan pendekatan kuantitatif, penelitian ini menggunakan teknik purposif dan random sampling untuk mensurvei 150 responden, yang ditentukan dengan metode Lemeshow. Data dianalisis melalui regresi berganda dan analisis jalur dalam kerangka penelitian lapangan komparatif asosiatif. Hasil analisis menunjukkan bahwa religiositas dan sistem syariah tidak berpengaruh langsung pada minat berkarir, tetapi memiliki efek tidak signifikan ketika dimediasi oleh spiritualitas Islam. Di sisi lain, profesionalisme berdampak positif secara langsung pada minat berkarir tanpa memerlukan mediasi spiritual. Studi ini menekankan peran krusial spiritualitas Islam dalam memperkuat religiusitas dan kepatuhan syariah untuk membentuk minat karir, sementara profesionalisme secara independen mendorong minat berkarir. Implikasi teoretis menunjukkan bahwa spiritualitas Islam menjembatani prinsip ideologis dengan motivasi vokasional, sedangkan implikasi praktis menyarankan integrasi nilai spiritual dalam kurikulum akademik dan pengembangan lingkungan kerja yang memperkuat kepatuhan syariah. Hasil ini menegaskan pentingnya lembaga keuangan Islam dalam menumbuhkan motivasi spiritual karyawan guna menyelaraskan praktik operasional dengan fondasi etis.

Maslahah Oriented sebagai Rasionalitas Bisnis dalam Ekonomi Islam Fadllan, Fadllan; Maufiroh, Lailatul
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 2 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i2.6956

Abstract: The concept of economic rationality developed by capitalists and socialists today invites very serious problems in society. The current economic rationale is more in favor of personal interests and ignores the values of humanism so that it often clashes with other economic actors. Humans are considered to act rationally if the individual directs his behavior to reach the maximum stage in accordance with Islamic law. The benefit orientation in business is one of the most needed orientations in Islamic Economics. Enforcement of benefit is oriented to the goodness of life throughout the universe. Life in this world is the beginning of the afterlife. The benefit that occurs in the world becomes the forerunner to the realization of benefit in the hereafter. Benefit rests on the values of justice, compassion, welfare and perfect wisdom. The existence of the concept of maslahah in the Islamic economic system can accommodate all forms of economic behavior and actions of every human being, both concerning interpersonal and inter-group relations. This is because the concept of maslahah is constructed not only for individual or personal interests but also for collective or community interests. Keywords: Maslahah Oriented, Business Rationality in Islamic Economics Abstrak: Konsep rasionalitas ekonomi yang dibangun oleh kapitalis dan sosialis saat ini mengundang problem yang sangat serius di masyarakat. Rasionalitas ekonomi yang dijalankan saat ini lebih berpihak pada kepentingan pribadi dan mengabaikan nilai-nilai humanisme sehingga sering berbenturan dengan pelaku ekonomi lain. Manusia dianggap bertindak rasional apabila individu tersebut mengarahkan perilakunya untuk mencapai tahapan maksimum sesuai dengan syariat Islam. Orientasi kemaslahatan dalam bisnis menjadi salah satu orientasi yang sangat dibutuhkan dalam Ekonomi Islam. Penegakan kemaslahatan berorientasi pada kebaikan kehidupan seluruh alam semesta. Kehidupan di dunia ini merupakan awal dari adanya kehidupan akhirat. Kemaslahatan yang terjadi dunia menjadi cikal bakal terwujudnya kemaslahatan di akhirat. Kemaslahatan bertumpu pada nilai-nilai keadilan, kasih sayang, kesejahteraan dan kebijaksanaan yang sempurna. Adanya konsep maslahah dalam sistem ekonomi Islam dapat mengakomudir semua bentuk perilaku dan tindakan ekonomi setiap manusia, baik menyangkut hubungan antar pribadi maupun antar kelompok. Hal ini dikarenakan konsep maslahah dikonstruksi tidak hanya untuk kepentingan individu atau pribadi tetapi juga kepentingan kolektif atau masyarakat secara bersama-sama. Kata Kunci: Maslahah Oriented, Rasionalitas Bisnis dalam Ekonomi Islam

Optimizing Branding and Digital Marketing as a Strategy to Increase the Competitiveness of MSMEs in Banban Village Nailatur Rohmah; Mutfaidah, Mutfaidah; Fatimatus Syafira; Uzlifatul Masruroh; Fera Mei Khotuzzahroh; Kholifatun Nisa; Fadllan, Fadllan
Managing: Jurnal Bisnis dan Manajemen Vol. 2 No. 2 (2025)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/managing.v2i2.58

Optimization of branding and digital marketing is a crucial strategy for enhancing the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in today’s digital era. This study aims to examine the implementation of rebranding programs and the digitalization of MSME marketing in Banban Village, Pakong District, Pamekasan Regency, conducted by students from the Community Service Program (KKN) of the State Islamic University of Madura as part of efforts to develop local products. The research employed a qualitative descriptive approach, with data collected through direct observation, in-depth interviews, and documentation of program activities. Findings indicate that the implementation of representative product logo creation, installation of location points on Google Maps, and the use of visual promotional media such as banners significantly contributed to improving brand image and increasing MSME sales revenue. Based on these findings, it is recommended that MSME actors continuously optimize the use of digital platforms and strengthen branding as a sustainable strategic effort to improve market competitiveness.

URGENSI DESENTRALISASI ZAKAT DALAM MEWUJUDKAN KEADILAN DISTRIBUSI: STUDI KASUS DESA SANAH LAOK, KECAMATAN WARU, KABUPATEN PAMEKASAN Halili, Mohammad; Fadllan, Fadllan
Jurnal Riset Akuntansi dan Bisnis Indonesia STIE Widya Wiwaha Vol 5 No 3 (2025): Jurnal Riset Akuntansi dan Bisnis Indonesia
Publisher : Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32477/jrabi.v5i3.1208

One of the important components in the Islamic economic system is zakat. because it plays a role in the equitable distribution of wealth and poverty alleviation. However, zakat management often fails to accommodate local needs, especially in rural areas. This study aims to examine the urgency and effectiveness of decentralization of zakat management in supporting distribution justice, with a case study in Sanah Laok Village, Waru District, Pamekasan Regency. This study uses a qualitative descriptive approach with data collection techniques in the form of interviews, observations, and documentation. This study employs a qualitative descriptive methodology, gathering data through observations, interviews, and documentation, The results of the observation indicate that the distribution of zakat is not through official institutions, but is channeled to local religious figures, this practice causes inequality in distribution, this study recommends decentralization of zakat through the establishment of zakat management institutions to ensure equality, accountability, and social justice.

Analisis Pemahaman Masyarakat Terhadap Zakat Pertanian Di Desa Duko Timur Kecamatan Larangan Kabupaten Pamekasan Itsnawati, Try; Nisa’, Nafilatun Khairun; Fadllan, Fadllan; Aprianto, Mohammad Andri Dwi; Vitriyah, Nurul Lailatul
Publikasi Penelitian Terapan dan Kebijakan Vol 8 No 1 (2025): Publikasi Penelitian Terapan dan Kebijakan
Publisher : Badan Penelitian dan Pengembangan Daerah Provinsi Sumatera Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46774/pptk.v8i1.649

Zakat must be paid if the agricultural produce reaches the nisab. This zakat is known as agricultural zakat. Agricultural zakat is closely related to the welfare of the community which can help reduce poverty levels if its distribution is right on target. The purpose of this study was to determine the perception of the people of Duko Timur Village towards agricultural zakat. This research method is a qualitative research method. with data collection including documentation, interviews, surveys, and observations. Based on the results of the study, it shows that: residents of Duko Timur Village still have a basic understanding of agricultural zakat, namely only knowing its meaning. The understanding of the people of Duko Timur Village is only equivalent to alms or what is known as "salametan" for agricultural products. The importance of public education needs to be carried out because low literacy regarding agricultural zakat is the root cause of low public knowledge.

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