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Pengaruh Orientasi Pasar dan Inovasi Produk Terhadap Kinerja Bisnis UMKM di Provinsi Lampung dengan Halal Supply Chain Sebagai Variabel Moderasi Maisaroh, Siti; Hilal, Syamsul; Hanif, Hanif
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i3.6593

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Currently, attention to the performance of MSMEs is very high because it can help remove blockades and generate broad prospects for MSMEs to develop as well as to compete strongly in regional and global markets. Therefore, business actors are very responsible for managing MSMEs and trying to get MSMEs that are better than the performance generated by implementing Market Orientation and Product Innovation. Halal Supply Chain is information that flows in every supply chain must be in accordance with the principles of sharia law. It is known that Indonesia is a country with a majority Muslim population. Therefore, awareness of the importance of applying Islamic law in living life, makes Muslim communities in Indonesia instill the concept of halal in their daily lives. Based on this, the researchers conducted this study to find 4 things, namely Does Market Orientation and Product Innovation have a partial significant effect on MSME Business Performance in Lampung Province? Do Market Orientation and Product Innovation partially affect business performance with Halal Supply Chain as a moderating variable MSMEs in Lampung Province?, Does Market Orientation and Product Innovation have a Partially Significant Effect on MSME Business Performance in Lampung Province?, Do Market Orientation and Product Innovation have a significant effect on business performance with Halal Supply Chain as a moderating variable on MSMEs in Lampung Province? The method used in this study is a quantitative research method. The data used in this study is primary data derived from the results of the questionnaire answers that will be distributed to the MSME actors in Lampung Province. The sample used uses the Probablily Sampling Technique with the sample results used by 100 MSME actors in Lampung Province.The results of this study found that the percentage of Halal Supply Chain reinforcement as a moderating variable has a different effect seen based on the T test (Partial) that Market Orientation and Product Innovation have no significant effect on MSME Business Performance with Halal Supply Chain as a moderating variable while based on the results of the F test (Simultaneous) that Market Orientation and Product Innovation have a significant effect on MSME Business Performance.
Dinamika Perkembangan Halal Tourism Provinsi Lampung: Analisis Implementasi Green Economy Asyrofi, Imam; Hilal, Syamsul; Madnasir
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 20 No. 2 (2024): Mei
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v20i2.1782

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Penelitian ini bertujuan untuk menganalisis implementasi green economy pada wisata halal yakni wisata berkuda di Provinsi Lampung. Penelitian ini menggunakan penelitian lapangan kualitatif, khususnya menggunakan teknik deskriptif analitis. Penelitian dilakukan pada wisata halal dengan konsep wisata berkuda di Provinsi Lampung yakni pada siger horse dan sultan stable Lampung. Sumber data yang digunakan meliputi data primer dan data sekunder. Data sekunder digunakan untuk melihat perkembangan wisata halal di Provinsi Lampung. Data primer sebagai sumber data utama terdiri dari informan yakni pengelola Siger Horse dan Sultan Stable Lampung serta pengunjung wisata. Pendekatan pengumpulan data meliputi beberapa langkah yakni studi kepustakaan, wawancara dan dokumentasi. Peneliti menjelaskan bagaimana kredibilitas, ketergantungan, transferabilitas, dan verifikasi data menentukan validitasnya dan menggunakan tringulasi. Hasil temuan penelitian menunjukan bahwa penerapan green economy pada Wisata Halal di Wisata Berkuda Siger Horse dan Sultan Stable Lampung berhasil menghasilkan keuntungan ekonomi sekaligus menjaga kelestarian lingkungan. Hal ini terlihat melalui dedikasi terhadap keberlanjutan ekologi, serta penerapan konsep ekonomi hijau yang mengutamakan keberlanjutan dan pemanfaatan sumber daya alam secara optimal.
Strategi Peningkatan Pertumbuhan Bisnis UMKM Provinsi Lampung Dengan Penerapan Quick Response Code Indonesian Standard (QRIS) Fasa, Muhammad Iqbal; Hilal, Syamsul; Normasyhuri, Khavid
Jurnal SOLMA Vol. 12 No. 3 (2023)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v12i3.13122

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Background: Perkembangan sektor industri Usaha Mikro, Kecil, dan Menengah (UMKM) memerlukan kolaborasi beberapa pemangku kepentingan. Oleh karena itu integrasi berbagai pemangku kepentingan termasuk pemerintah, sangat diperlukan dalam penerapan kemajuan sistem pembayaran digital, khususnya Quick Response Code Indonesian Standard (QRIS) dalam mendorong pertumbuhan UMKM. Tujuan kegiatan pengabdian masyarakat adalah melakukan pendampingan adopsi Quick Response Code Indonesian Standard (QRIS) pada UMKM di Provinsi Lampung sebagai upaya meningkatkan pertumbuhan bisnis. Metode: Pendekatan Pengabdian Kepada Masyarakat (PKM) dengan Participatory Action Research (PAR). Karakteristik pengabdian yang dilakukan adalah Contextual Action Research (CAR). Partisipan kegiatan ini adalah 100 UMKM kuliner di Provinsi Lampung. Hasil: Meningkatnya kepercayaan konsumen, peningkatan efisiensi transaksi, dukungan terhadap pertumbuhan bisnis, dan pengembangan ekosistem bisnis. Kesimpulan: Dengan implementasi adopsi QRIS, UMKM di Provinsi Lampung dapat membangun reputasi bisnis yang lebih baik, meningkatkan kepercayaan konsumen, dan membuka peluang pasar baru baik di tingkat lokal maupun nasional.
COMMUNITY EMPOWERMENT THROUGH PRODUCTIVE WAQF IN LAMPUNG PROVINCE: THE ROLE OF BWI, NAZHIR, AND LOCAL WISDOM Erwinto, Erwinto; Hs, Achlami; Jauhari, Tantowi; Hilal, Syamsul
Edukasi Islami: Jurnal Pendidikan Islam Vol. 14 No. 04 (2025): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v14i04.9227

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Objective: This study analyzes the contribution of productive waqf to community economic empowerment in Lampung Province, highlighting the role of Indonesian Waqf Board (BWI) representatives, nazhir, and the influence of local social norms and cultural values. Method: The research approach used a qualitative descriptive-analytical method through in-depth interviews, participant observation, and documentation studies in Central Lampung and Pesawaran Regencies. Results: The results show that productive waqf management is developing through the utilization of waqf land assets, cash waqf collection, and collaboration with LKS-PWU and community business models such as collective farming and social retail. The main challenges include low waqf literacy, limited managerial capacity of nazhir, and less than optimal regulatory support and institutional networks. The integration of local values ​​such as fi’il pesenggiri and the sabilillah tradition strengthens social legitimacy and community participation. Conclusion: These findings confirm that productive waqf has the potential to become a sustainable community-based empowerment instrument if managed professionally, transparently, and adaptively to local wisdom. Implications: The implications of this study can be a reference for the development of productive waqf policies and practices in other regions, both in Indonesia and countries with similar social characteristics.
MENGINTEGRASIKAN METODOLOGI HUKUM SUNNI KLASIK KE DALAM PEMIKIRAN EKONOMI ISLAM KONTEMPORER damara putra, riyan; Bahrudin, Moh.; Hilal, Syamsul
KASBANA Vol 6 No 1 (2026): Januari (IN PROGRESS)
Publisher : Sekolah Tinggi Ilmu Syariah Darul Falah Bondowoso

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

Abstract

Abstract This study aims to examine how classical Sunni legal methodologies in usul al-fiqh can be systematically integrated into the development of contemporary Islamic economic thought. The analysis is grounded in the central problem that modern Islamic economic practices often rely on fragmented or overly textual approaches, despite the rich methodological traditions of the Hanafi, Maliki, Shafi‘i, and Hanbali schools. Using a qualitative descriptive–analytical method based on doctrinal review, this research explores authoritative classical texts alongside contemporary regulatory documents, including DSN–MUI fatwas, to assess the relevance of qiyas, istihsan, maslahah-oriented reasoning, contractual clarity, and maqasid-based considerations for present-day economic governance. The findings indicate that the methodological strengths of the four schools can be synthesized to provide a coherent normative and practical foundation for addressing modern economic issues such as digital transactions, ethical finance, and sustainability. The study demonstrates that the integration of classical jurisprudential principles not only strengthens the legitimacy of Islamic economic policies but also enhances their adaptability to emerging challenges. This research contributes by offering an analytical framework that connects the epistemology of Islamic legal theory with contemporary policy formation, thereby promoting an Islamic economic system that is both principled and responsive to societal needs. Keywords : DSN-MUI, Islamic Economics, Sunni School of Law, Islamic Legal Methodology, Usul al-Fiqh
Kaidah Sadd Al-Dzari’ah dan Fathu Al-Dzari’ah sebagai Dasar Larangan Penjaminan Modal dalam Akad Mudhârabah Wiraputra, Jhody; Bahrudin, Moh.; Hilal, Syamsul
Jurnal Hukum Ekonomi Syariah Vol 4 No 2 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i2.1728

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This study critically and comparatively analyzes the justification for the prohibition and exception of capital guarantees in the Mudhârabah contract—an essential profit-sharing instrument in Islamic economics that functions as a contract of trust (akad amanah). Fundamentally, Mudhârabah requires the capital owner (shahibul māl) to bear the full risk of business loss. The absolute prohibition of capital guarantees by the manager (mudhārib) is strictly emphasized through the legal maxim Sadd al-Dzarī‘ah, as an implicit guarantee clause alters the essence of the profit-sharing partnership into an interest-bearing loan, which constitutes riba. However, in the context of contemporary Islamic finance, the need for asset protection as part of Maqāṣid al-Sharī‘ah allows for limited exceptions based on the principle of Fath al-Dzari‘ah, which permits liability for compensation only in cases of gross negligence or misconduct. The findings reveal that the principles of Sadd and Fath al-Dzari‘ah operate harmoniously as complementary mechanisms—the former preserving the integrity of the contract from usurious practices, and the latter ensuring institutional efficiency and sustainability by mitigating ethical risks—thereby enabling Mudhârabah to function fairly and securely in the modern market. Keywords: Fath al-Dzari‘ah, Mudharabah, Sadd al-Dzari‘ah
Tinjauan Ushul Fiqh tentang Status Kepemilikan Aset Digital Non-Fungible (NFT) dalam Perspektif Al-milkiyyah Ipando, Ogi Marsenal; Bahrudin, Moh.; Hilal, Syamsul
Jurnal Hukum Ekonomi Syariah Vol 4 No 2 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i2.1737

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This paper examines the concept of al-milkiyyah (ownership) in relation to digital assets, specifically Non-Fungible Tokens (NFTs), from the perspective of Uṣūl al-Fiqh. The study aims to determine the legal status of ownership and the validity of NFT transactions within the framework of contemporary Islamic jurisprudence. Employing a normative legal research method with conceptual, normative, and sectoral approaches, this study draws upon classical fiqh literature, contemporary fatwas, and analyses of blockchain technology. Secondary data are qualitatively and comparatively analyzed to assess the compatibility of NFTs with the Islamic legal notion of property (māl) as defined in fiqh al-muʿāmalah (Islamic commercial law). The findings suggest that NFTs may be classified as legitimate property according to several contemporary scholars, as they possess economic value, market-recognized benefits, and exclusivity of ownership despite their non-physical form. Nevertheless, the validity of NFT transactions remains conditional: they are lawful only if the represented object is ḥalāl, free from gharar (excessive uncertainty) and maysir (gambling), and uses a Sharia-compliant payment medium. The use of non-compliant cryptocurrencies may invalidate the transaction. This paper argues that NFTs can be recognized as a modern form of Islamic ownership, provided that their use aligns with the principles of prudence, wealth protection (ḥifẓ al-māl), and harm prevention (mafsadah).  Keywords: Al-milkiyyah; Ownership; NFT; Uṣūl al-Fiqh; Fiqh al-Muʿāmalah; Digital Assets
Pengaruh Islamic Corporate Social Responsibility, Islamic Corporate Governance, dan Zakat Performance Ratio Terhadap Kinerja Keuangan pada Bank Umum Syariah dengan Ukuran Perusahaan Sebagai Variabel Moderasi: Periode 2019-2023 Nurul Fatmawati; Syamsul Hilal; Anas Malik
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.v7i8.7949

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This research aims to examine the influence of Islamic Corporate Social Responsibility, Islamic Corporate Governance, and Zakat Performance Ratio on the financial performance of Sharia Commercial Bank companies for the 2019-2023 period. This research uses quantitative research and secondary data in the form of the 2019-2023 Sharia Commercial Bank annual report. The method used for data collection is the documentation method and literature study method. The population used in this research is 17 Sharia Commercial Banks registered with the Financial Services Authority in 2019-2023 and the sampling technique in this research is a purposive sampling technique, with samples that meet the criteria being 10 Sharia Commercial Banks registered with the Financial Services Authority in 2019-2023. The analysis technique used is panel data regression analysis with the Eviews-10 software application. The results of this research show that Islamic Corporate Social Responsibility has a negative effect on the financial performance of Sharia Commercial Banks, Islamic Corporate Governance and the Zakat Performance Ratio have no effect on the financial performance of Sharia Commercial Banks, company size can moderate the relationship between Islamic Corporate Social Responsibility and the financial performance of Sharia Commercial Banks. Company size cannot moderate the relationship between Islamic Corporate Governance and Zakat Performance Ratio on the financial performance of Sharia Commercial Banks.
KONTRIBUSI USHUL FIQH TERHADAP TANTANGAN KEUANGAN SYARIAH Andriani, Yulia; Bahrudin, Moh.; Hilal, Syamsul
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities.
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.1010

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Penelitian ini bertujuan untuk menganalisis kontribusi Ushul Fiqh terhadap tantangan yang dihadapi oleh keuangan syariah kontemporer. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan jenis kajian pustaka (literature review) dan analisis konten (content analysis) dari berbagai sumber terpercaya seperti buku dan jurnal ilmiah. Hasil penelitian menyimpulkan bahwa Ushul Fiqh memiliki peran fundamental dan tak tergantikan sebagai landasan metodologis dan teoritis dalam pengembangan ekonomi syariah modern. Ushul Fiqh memungkinkan para cendekiawan dan praktisi untuk merumuskan hukum syar’i atas isu-isu baru yang belum ada pada masa klasik, sehingga berfungsi sebagai kompas moral dan intelektual di era globalisasi dan digitalisasi. Kontribusi utamanya diwujudkan melalui legalisasi dan inovasi produk keuangan yang kompleks, seperti Structured Repackaged Ijarah Asset (SRIA), dengan memastikan kepatuhan terhadap larangan riba, gharar, dan maysir. Selain itu, Ushul Fiqh memfasilitasi regulasi proaktif terhadap teknologi keuangan (FinTech) syariah melalui kaidah Maslahah Mursalah. Kaidah-kaidah Ushuliyyah, seperti "Al-Ashlu fil Asyya' al-Ibahah" (asal segala sesuatu itu boleh) dan kaidah Maslahah, memberikan dasar hukum untuk menilai kehalalan instrumen keuangan baru, memastikan sistem keuangan syariah tetap efisien dan kompetitif tanpa mengorbankan integritas syariah. Dengan demikian, Ushul Fiqh memberikan kerangka yurisprudensi yang kokoh untuk memastikan pasar modal syariah tidak hanya efisien tetapi juga etis dan adil.
IMPLEMENTASI INVESTASI DALAM ISLAM MENURUT PANDANGAN DAN ATURAN DSN-MUI NOMOR 40/DSN-MUI/X/2003 Maulida, Reska; Hilal, Syamsul; Bahrudin, Moh.
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities.
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.1018

Abstract

Penelitian ini bertujuan untuk menganalisis secara komprehensif implementasi investasi dalam Islam menurut pandangan dan aturan yang tertuang dalam Fatwa DSN-MUI Nomor 40/DSN-MUI/X/2003 tentang Pasar Modal dan Pedoman Umum Penerapan Prinsip Syariah di Bidang Pasar Modal. Metode penelitian yang digunakan adalah studi literatur (library research) dengan pendekatan analisis isi (content analysis) terhadap sumber-sumber primer berupa fatwa DSN-MUI, jurnal ilmiah, dan laporan penelitian terkait investasi dan pasar modal syariah, serta sumber sekunder yang relevan. Hasil penelitian menunjukkan bahwa Fatwa DSN-MUI Nomor 40/DSN-MUI/X/2003 memiliki landasan syariah yang kuat dan komprehensif, bersumber dari dalil-dalil Al-Qur'an (QS. Al-Baqarah: 275, QS. An-Nisa: 29, QS. Al-Hasyr: 18), hadits (hadits tentang mudharabah dan larangan gharar), ijma' ulama dari berbagai mazhab (Hanafi, Maliki, Syafi'i, Hanbali), dan kaidah ushul fiqh. Implementasi fatwa dalam praktik pasar modal syariah Indonesia dilakukan melalui mekanisme screening bertahap yang terdiri dari business screening untuk mengeliminasi sektor usaha yang bertentangan dengan prinsip syariah, dan financial screening dengan parameter total utang berbasis bunga maksimal 45% dari total aset dan total pendapatan tidak halal maksimal 10% dari total pendapatan. Investasi syariah memiliki karakteristik khusus yang membedakannya dari investasi konvensional, yaitu kebebasan dari unsur riba, gharar, dan maysir, serta dibangun atas prinsip fundamental keadilan (al-'adl), transparansi (ash-shiddiq), kemaslahatan, dan kehati-hatian. Landasan hukum positif Indonesia melalui UUD 1945 Pasal 29, UU Nomor 8 Tahun 1995 tentang Pasar Modal, UU Nomor 21 Tahun 2011 tentang OJK, dan POJK Nomor 15/POJK.04/2015 memberikan dukungan regulasi yang kuat dengan menjadikan fatwa DSN-MUI sebagai rujukan wajib dalam penerapan prinsip syariah di pasar modal Indonesia. Penelitian ini menyimpulkan bahwa harmonisasi antara otoritas fatwa (DSN-MUI) dan regulator (OJK) menjadi faktor kunci kesuksesan pengembangan pasar modal syariah di Indonesia, meskipun masih terdapat tantangan terkait threshold financial screening, dinamika status syariah saham, dan gap literasi yang memerlukan perbaikan berkelanjutan.