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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Binus Business Review Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal al-Afkar, Journal For Islamic Studies Bisma: Jurnal Bisnis dan Manajemen Islamika : Jurnal Ilmu-Ilmu Keislaman Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURNAL MANAJEMEN BISNIS Iqtishoduna: Jurnal Ekonomi Islam Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Al-Muqayyad Muttaqien; Indonesian Journal of Multidiciplinary Islamic Studies Al-Sharf: Jurnal Ekonomi Islam Niqosiya: Journal of Economics and Business Research Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam International Journal of Islamic Business and Management Review Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam Likuid: Jurnal Ekonomi Industri Halal Islamic Economics and Business Review (IESBIR) Kartika: Jurnal Studi Keislaman Paradoks : Jurnal Ilmu Ekonomi Journal of Economics, Entrepreneurship, Management Business and Accounting Journal of Business Management and Islamic Banking International Conference on Islamic Economic Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Islamic Business and Economics (IJIBEC) Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis Malik Al-Shalih: Jurnal Pengabdian Masyarakat
Fahrurrozi Fahrurrozi
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Transformative Credit Assessment Model (TCAM): Reconstructing the Role of the Credit Analyst as a Catalyst for Financial Inclusion in Sharia Microfinance Ahmad Rajaul Masrur; Darwis Darwis; Fahrurrozi Fahrurrozi
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 3 (2026)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i3.13862

Abstract

Financial inclusion in Islamic microfinance continues to face a structural tension between prudent risk management and access for micro-borrowers who have limited formal financial records, unstable income, thin credit files, and insufficient collateral. This article proposes a Transformative Credit Assessment Model (TCAM) that reconstructs the role of the credit analyst from a conventional risk gatekeeper into an inclusion catalyst. The study employs a qualitative conceptual approach using a structured narrative review of recent national and international literature on Islamic microfinance, asymmetric information, credit scoring, alternative data, digital finance, financial inclusion, and Shariah governance. The synthesis identifies that conventional assessment is frequently constrained by document dependence and the inability to capture informal economic, behavioral, social, and community information. The model transforms the analyst's workflow into four sequential functions: risk gatekeeping, risk interpretation, relationship-based assessment, and inclusion catalysis. The proposed model is expected to reduce information asymmetry, decrease avoidable credit rationing, improve borrower bankability, and expand sustainable Islamic financial inclusion. The article's main contribution is a conceptual framework that connects asymmetric information theory, relationship-based microfinance, digital credit assessment, and maqashid al-shariah into a single operational model for Islamic microfinance institutions.
Integrating Green Economy and Hifd Bi’ah for Environmental Conservation: A Case Study of Eco-Friendly Agriculture in Pamekasan, Indonesia Fahrurrozi; Zainal Abidin
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 2 (2026): October (On Progress)
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

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Abstract

Background and research gap – Existing research has examined green economy policy and Islamic environmental ethics, but less is known about how resource-management practices and religious meanings are articulated together in local hydroponic farming. Purpose – This study explores green economy-related agricultural practices and interpretations of environmental responsibility through the contemporary concept of ḥifẓ al-bīʾah in Ceguk Village, Tlanakan District, Pamekasan Regency, Indonesia Design/methodology/approach – A descriptive qualitative single-case study was conducted from March to September 2025, drawing on field observations, documentation, and semi-structured interviews with seven purposively selected informants: three hydroponic farmers, two consumers or community members, one religious leader, and one Agricultural Office representative. Each informant was interviewed once for 30–45 minutes. Key Findings – Findings identify reported limited-space cultivation, controlled water and nutrient management, reduced need for diesel-powered land preparation, household participation, and access to locally grown vegetables. Participants also expressed environmental responsibility through amānah (trust), justice, spiritual blessing, and ḥifẓ al-bīʾah. Critically, the evidence supports religious-ethical articulation and reports of agricultural practices but does not establish that religious beliefs caused specific farming decisions or that these practices achieved measurable environmental improvements. Employment creation and comprehensive household food security were not independently established. Research limitations/implications – By distinguishing ethical articulation, behavioural enactment, and environmental performance, the study offers a context-specific analytical contribution rather than a validated conservation model. Originality/value – Its implications concern the potential relevance of locally meaningful ethical perspectives alongside technical and socioeconomic considerations, without assuming their universal applicability.
Circular Economy Perspective of Hifdz Al-Bi'ah Through the Utilization of Shell Waste as Raw Material for Decorative Products: Ekonomi Sirkular Perspektif Hifdz Al-Bi’ah Melalui Pemanfaatan Limbah Cangkang Kerang Sebagai Bahan Baku Produk Hiasan Jazirotudiinil Koyyimah; Fahrurrozi Fahrurrozi
Perisai : Islamic Banking and Finance Journal Vol. 8 No. 2 (2024): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i2.1742

Abstract

Shell waste, which is often considered a waste material, has great potential to be processed into handicraft products with economic value. Through an environmentally friendly processing process, the waste can be converged into goods that are not only in demand in the market, but also encourage public awareness of the importance of recycling and environmental maintenance. This research aims to explore how often overlooked waste can be processed into decorative items that not only reduce negative impacts on the environment, but also create new economic opportunities for the community. The research method used is qualitative with a descriptive approach, involving observation and interviews with handicraft business actors. The results of the study show that the use of shell waste can increase public awareness of the importance of waste management and environmental protection. In addition, this research highlights the importance of training and innovation in creating attractive and value-added products. Thus, this research makes a significant contribution to the development of a sustainable and environmentally friendly craft industry, as well as encouraging the adoption of circular economy principles in various sectors. In conclusion, the use of shell waste not only meets economic needs, but also contributes to environmental sustainability and improving people's quality of life.
Co-Authors Abdillah, Kudrat Ach Alfan Irhamsyah Achmad Room Fitrianto Addainuri, Muhammad Isbad Ahmad Rajaul Masrur Ainol Yakin Alfarisi, Moh. Rizal Cici Wilantini Darmawati, Mila Darwis Darwis Debby Yunitasari Dela Safitri Deviana Iswahyuni Dian Permata Sari Effendy, Moh. Hafid Faiqur Rohman Nafisy Farid Firmansyah Farid Firmansyah Ferdianto, Oktavian Helmi Mahmud Idrus Ali Iftekhar Ahmed Robin Ishfaq Ahmed Istiq Lailiyah Izzati, Irma Nur Jazirotudiinil Koyyimah Karman Kurratu A'yuni Lukmanul Hakim Lukmanul Hakim Makrufah, Amirotul Mardhatillah, Masyithah Maulana, Nor Mohammad Mawaddah Mawaddah Mawarni, Iga Meirina Tri Ananda Putri Moh. Lutfi Moh.Imron Maulana Mohammad Hamim Sultoni Mohammad Hamim Sultoni Muhammad Isbad Addainuri Muhammad Zainur Rahman Afandi Mujaddidi, Ah. Shibghatullah Novita Tri Buana Dewi Nurul Farian Qurratul Aini Ridan Muhtadi Royyan Fadli Sakinah Sakinah Sakinah Sakinah Sayyidi sayyidi Syafiqoh, Anilna Umam, Khotibul Usman Usman Wasilul Chair Wasilul Chair Yakin, Ainol Z.A, Khayrus Sabiqin Zainal Abidin Zakiatur Riskiyah