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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam At-Taradhi: Jurnal Studi Ekonomi I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Al-Qardh Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam al-Afkar, Journal For Islamic Studies Al-Muzara'ah Varia Justicia AFEBI Islamic Finance and Economic Review Ihtifaz: Journal of Islamic Economics, Finance, and Banking TSAQAFAH Journal of Indonesian Tourism, Hospitality and Recreation JIFA (Journal of Islamic Finance and Accounting) BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Journal of Sustainable Tourism and Entrepreneurship Journal of Islamic Economics and Finance Studies Niqosiya: Journal of Economics and Business Research Share: Jurnal Ekonomi dan Keuangan Islam Journal Of Human And Education (JAHE) Transformatif: Jurnal Pengabdian Masyarakat Jurnal Manajemen Stratejik dan Simulasi Bisnis Islamiconomic: Jurnal Ekonomi Islam Mabsya: Jurnal Manajemen Bisnis Syariah ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Maqdis: Jurnal Kajian Ekonomi Islam Journal of Economics JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Danadyaksa: Post Modern Economy Journal Journal of Finance and Islamic Banking Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah JIFA (Journal of Islamic Finance and Accounting)
Aminudin Ma'ruf
Universitas Negeri Surabaya
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences Other

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ISLAMIC LAW ANALYSIS ON THE PRACTICE OF ONLINE RETAIL GOLD TRANSACTION Aminudin Ma'ruf; Azhar Alam; Angrinda Anggih Umi Kulsum; Aditya Nurrahman
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 7 No. 1 (2023): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v7i1.943

Abstract

This research is comprehensively investigating the mechanism of gold trading at the Tokopedia Gold site from an Islamic law perspective. This research further explains the Islamic views on the gold trade in retail through an online site. Two methods were used in completing this research; a qualitative descriptive method on the observation of the trading and library research. Upon supporting the research, three interviews with related customers are approached. Reviewing the terms and conditions of purchasing a product from Tokopedia Gold and literature review methods have also been taken into consideration. The paper found that the practice of purchasing gold through Tokopedia Gold is a full-payment purchase and avoiding the instalment method which might be against Islamic law. The research found that there is an existence of gharar when the purchaser does not possess the gold physically and does not know the existence of the gold. This paper recommends that the specifications of gold must be specified by a seller and spreading the knowledge of gold trading from an Islamic perspective. 
Analysis Of Ib Working Capital Product Marketing Strategies (Case Study: Bank Jateng Syariah) Aminudin Ma'ruf; Tri Nur Alfifa; Aminah Hasyim
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 4 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i4.17838

Abstract

This study aims to determine the marketing strategy of iB Working Capital products at Bank Jateng Syariah to find out the target market of iB Working Capital products and to determine the level of customer interest. This type of research is field research conducted using qualitative research. The study obtains data using observation, interview, and documentation methods. This research was conducted at Bank Jateng Syariah, Kartasura District, Sukoharjo Regency. The data sources used are primary data and secondary data. The data analysis technique used is a qualitative descriptive type using a deductive mindset, namely by comparing theory with catalytic events from the field. The result of this study is that the marketing strategy applied to the Working Capital iB product at Bank Jateng Syariah is a marketing mix consisting of products, places, promotions, people, and processes (5P) this shows a significant positive influence in increasing customer interest or the general public. Improving marketing strategies for the better provides socialization around rural areas where the dominant community may not yet understand Islamic banking and its products. This research is expected to put forward research implications that may be beneficial for the bank and society. Optimizing the role of Islamic financial institutions in the implementation of working capital iB.
Dynamics and Development of MSMEs Halal Products in the Covid-19 Pandemic: A Case Study in the Tourism Area of Pacitan Regency Aminudin Ma'ruf; Nurdana Malik Fajar; Irfan Ramis
Jurnal Manajemen Stratejik dan Simulasi Bisnis Vol 4 No 2 (2023): Jurnal Manajemen Stratejik dan Simulasi Bisnis
Publisher : Fakultas Ekonomi Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/mssb.4.2.55-68.2023

Abstract

MSMEs play a pivotal role in the community and sustainability of the Indonesian economy. This study explores and analyzes the developments and survival strategies of MSME actors in the Pacitan Regency. This study employs a qualitative method by taking data from interviews with 15 MSME actors in the Pacitan Regency. Due to the COVID-19 pandemic, MSME players in Pacitan Regency have experienced decreased sales and a lack of capital. The responses of MSME players in Pacitan Regency are decreasing sales turnover and increasing selling prices. One of the strategies MSME players in Pacitan Regency carry out to deal with COVID-19 is to sell online, reduce trade stock, make selling promos, and collaborate with other MSMEs. It is hoped that with this research, the government can pay attention to the good input these MSME actors give. In addition, MSME players are expected to be consistent with the strategy carried out by following government policies to continue to comply with health protocols in selling.
Corporate Social Responsibility for Economic Recovery Post-Pandemic: A Lesson from Bank Syariah Indonesia Aminudin Ma'ruf; Rahayu Puji Lestari; Azhar Alam
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 2 (2023): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v14i2.9967

Abstract

This study aims to determine the implementation of BSI's CSR programs to support economic recovery post-pandemic, and identify the supporting and inhibiting factors in implementing its programs. The method used for this research is a qualitative method that presents actual data according to conditions in the field by direct interviews with associated parties. The study results show that BSI has set a strategy to optimize its CSR program, one of which is by focusing on empowering MSMEs. In Indonesia, MSMEs are considered the main factor for accelerating economic recovery. In its implementation, CSR at BSI indeed encounters supporting factors as well as inhibiting factors. The supporting factor is the existence of an ecosystem in implementing CSR programs, to which many parties contribute. The obstacles encountered were the lack of public understanding and education of CSR programs.
APPLICATION OF ISLAMIC VALUES OF SHARIA COOPERATIVES IN INDONESIA Ma'ruf, Aminudin; Wijayanto, Agung Dwi; Aulia, Sausan Liski
Maqdis: Jurnal Kajian Ekonomi Islam Vol 8, No 1 (2023): Januari - Juni 2023
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v8i1.374

Abstract

This study discusses the application of Islamic values in sharia cooperatives in Indonesia. Islamic values in sharia cooperatives properly and correctly reflect the welfare and trust of sharia cooperative customers. This study also aims to determine the Islamic values applied to sharia cooperatives in Indonesia and to find out how the implementation of Islamic values is carried out in their business activities. This paper adopts field research with qualitative research methods. Data collection techniques in this study by means of observation, interviews, online databases, and documentation. The results of the study indicate that Islamic values applied to sharia cooperatives in Indonesia include honesty values, consistency values, communicative values, trust values, equality values, monotheism values, ta'awun values, and family values. The application of Islamic values carried out by sharia cooperatives in Indonesia by stipulating that customers in entering into agreements must be honest, in carrying out all transactions correctly and correctly according to sharia rules, offering sharia cooperative products to the public, and expecting customers to provide full responsibility to the sharia cooperative. Consequently, sharia cooperatives in Indonesia must improve even more regarding the applied Islamic values, and are expected to maintain and carry out properly and correctly the implementation of Islamic values.
Exploration of Shariah Non-Compliant Risk: Evidence from Indonesia Ma'ruf, Aminudin; Wulandari, Asih Putri
AL-QARDH Vol 8 No 2 (2023): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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

Abstract

Sharia non-compliance is a peculiar risk that Islamic financial institutions must face. This study aims to explore and analyse the presence of Sharia non-compliant risk in Indonesia. The method used in this study is a descriptive normative legal research method with a qualitative approach, using related literature books and journals. The study's data was obtained from religious courts in Indonesia and Sharia committee data from the annual reports of Indonesian Islamic banks. The study results concluded that some Sharia non-compliance risk cases in Indonesia need serious attention from the Islamic financial industry. The Sharia non-compliance cases are dominated by default in Shariah. Therefore, the study urges maximization of the role of the Sharia committee and the development of the nation's literacy of Islamic economics and finance. The study comes with recommendations for policymakers and carries some limitations for future studies in Shariah non-compliant risk.
ANALYSIS OF MUSLIM CONSUMER PREFERENCES IN BUYING SKINCARE PRODUCTS Ma'ruf, Aminudin; Alam, Azhar; Syaraf, Ahsan Barra
I-Economics Vol 7 No 2 (2021): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v7i2.9935

Abstract

This study investigates the determinants of a Muslim consumer in buying skincare products considering the attributes exist in skincare products. The purpose of this study is to find out the components of skincare products shaping the preferences of Muslim costumers in buying skincare products. Moreover, this study specifically attempts to identify the most significant aspect influencing the preferences of Muslim consumers. This study is a field research study with the sample of study of University Students in Surakarta. The result complies the previous studies on the topic and gives a pivotal input for skincare industry. This study recommended a robust framework for halal products to compete with its counterparts and suggested the policy makers on designing an environmental friendly products leading the nation’s economy and long-term prosperity.
Exploring the Potential of Traditional Business Towards 10th SDGs Program: A Case of Sukarara Village, Lombok Ma'ruf, Aminudin; Tony Seno Aji; Prayudi Setiawan Prabowo; Kukuh Arisetyawan; Wenny Restikasari; Nurul Hanifa; Dita Dismalasari Dewi; Dimas Galih Saputra
Transformatif : Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/tranformatif.v5i1.7846

Abstract

A tourist village is a location or settlement that offers a tourism experience focusing on culture, nature, or local heritage. One example of a tourist village in Lombok is Sukarara Village, renowned for its traditional weaving industry and traditional Sasak houses. The purpose of this paper is to analyze the potential of Sukarara Village in developing the traditional industry sector and cultural tourism, with a focus on implementing interventions that support economic growth and cultural preservation. The findings reveal that Sukarara Village has significant potential in the traditional industry, particularly in the production of woven fabrics, and offers significant attractions for tourism with its traditional Sasak houses. The results uncover that women in this village play a crucial role in the weaving industry, and collaboration among local stakeholders has contributed to supporting the village's economic growth. The conclusion of this study is that Sukarara Village possesses a substantial economic potential that can be enhanced through synergy between traditional industry and cultural tourism. With effective interventions such as digital promotion and collaboration with tour guide agencies or major events, the village can maximize its economic potential and preserve its culture. Collaboration among various stakeholders, including local government, artisans, tourism professionals, and the village community, is the key to achieving this goal.
Sukuk Issuance in Indonesia: Orientation, Opportunities, and Challenges Afief El Ashfahany; Dwi Puji Astuti; Aminudin Ma'ruf
Mabsya: Jurnal Manajemen Bisnis Syariah Vol. 6 No. 1 (2024): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mabsya.v6i1.8195

Abstract

The study aimed to analyze the orientation of Surat Berharga Syariah Negara/Sukuk (SBSN) issuance in accordance with the three main orientations (1) infrastructure development; (2) labor-intensive sector;(3) and optimizing regional potential. This research method uses secondary data qualitative methods. The results of the study indicate that the SBSN project in 2013-2022 has met the orientation towards these three main things. However, in addition to the enormous potential for SBSN to be developed, there are still challenges in developing Sukuk that labor-intensive and optimizing regional potential oriented. This research is expected to be able to increase knowledge about the orientation direction of SBSN issuance, and the results of this study are expected to be input for the Government as the party issuing SBSN and the Ministry or Institution as the recipient of SBSN financing to develop SBSN financing projects oriented to the labor-intensive sector, and optimizing regional potential because these two things can provide great opportunities in Indonesia's economic growth
The Analysis of the Mid-Range Islamic Hotel Marketing Strategy Alam, Azhar; Ratnasari, Ririn Tri; Jamil, Fadila Ainur; Ma'ruf, Aminudin
Journal of Indonesian Tourism, Hospitality and Recreation Vol 6, No 1 (2023): Journal of Indonesian Tourism, Hospitality and Recreation (April)
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jithor.v6i1.50584

Abstract

AbstractThis paper aimed at addressing the marketing strategy performed by a mid-range Islamic hotel in Indonesia that distinguishes it from other non-sharia hotels by analyzing its marketing strategy using the SWOT analysis approach. This hotel applied Islamic principles in carrying out its marketing strategies to avoid immoral acts and fraud, and the facilities and services provided were different, which made it distinct from non-sharia hotels. Research data were obtained through interviews with six parties: managers, marketing staff, receptionists, and guests. This study also used observation to validate the data collected. The findings of the study showed that the marketing strategy undertaken by Multazam Sharia Hotel was different compared to non-sharia hotels due to feature distinctions. Regarding the results of the SWOT analysis, in SO strategy, the hotel should use its strengths to make use of the opportunity to achieve its goals. In WO, the hotel was expected to maximize the opportunity by minimizing the weakness. The ST strategy analysis revealed that this hotel needed to move fast in dealing with threats and minimize the unexpected consequences of the threats. The last, the WT strategy, Multazam sharia hotel must be careful with the weaknesses and threats it faces. If the hotel cannot make improvements in facilities and services, it may be displaced by the times.AbstrakStudi ini bertujuan membahas strategi pemasaran yang dilakukan oleh hotel Islam kelas menengah di Indonesia yang membedakannya dengan hotel non syariah lainnya dengan menganalisis strategi pemasarannya menggunakan pendekatan analisis SWOT. Penelitian ini merupakan penelitian lapangan yang dengan pendekatan deskriptif-kualitatif. Data penelitian diperoleh melalui observasi dan wawancara di hotel syariah Multazam. Analisis data dilakukan analisis SWOT (Strength, Opportunity, Weakness, Threats). Hasil penelitian menunjukkan bahwa strategi pemasaran yang dilakukan Hotel Multazam Syariah berbeda dengan hotel non syariah karena perbedaan fitur. Hotel ini menerapkan prinsip-prinsip Islam dalam menjalankan strategi pemasarannya untuk menghindari tindakan maksiat dan penipuan serta fasilitas dan layanan yang diberikan berbeda dengan hotel non-syariah. Mengenai hasil analisis SWOT, dalam strategi SO, hotel harus menggunakan kekuatannya untuk memanfaatkan peluang untuk mencapai tujuan hotel. Dalam WO, hotel diharapkan memaksimalkan peluang dengan meminimalkan kelemahan. Strategi ST mengungkapkan bahwa hotel ini perlu bergerak cepat dalam menghadapi ancaman dan meminimalkan konsekuensi tak terduga dari ancaman tersebut. Terakhir, strategi WT, hotel syariah Multazam harus berhati-hati dengan kelemahan dan ancaman yang dihadapinya. Jika hotel tidak dapat melakukan perbaikan fasilitas dan layanan, hotel dapat tergeser oleh waktu. 
Co-Authors Aditya Nurrahman Afief El Ashfahany Ahmad Athoillah Azzakiy Ahmad Syaifuddin Aishath Muneeza Aishath Muneeza, Aishath Alam, Shahbaz Aminah Hasyim Aminah Hasyim Angrinda Anggih Umi Kulsum Arisetyawan, Kukuh Aulia, Sausan Liski Azhar Alam Dian Nofitri Dimas Galih Saputra Dita Dismalasari Dewi DWI PUJI ASTUTI Elmi Nur Azizah Elmi Nur Azizah Fajar, Nurdana Malik Fatoni, Muhammad Iqbal Hamim Azad Hasanah, Silvya Miftahul Hutabarat, Ruth Eviana Imron Rosyadi Irfan Ramis Jamil, Fadila Ainur Jannah Arrum Sari Jannah Arrum Sari Khairunnisa Nurul Fikri Kukuh Arisetyawan Kurniawan, Adityo Wiwit Ladi Wajuba Perdini Fisabilillah Lathifah, Annisa Ul LUCKY RACHMAWATI Lukmanul Hakim Mellinia, Rashifahunnisa' Mellinia, Rashifahunnisa’ Muhammad Faisal Hamdi Mukhlisin, Fajar Sidiq Mustafidah, A'imatul Nida’ Al-Karimah Makkawi Nilasari, Aprillia Nofitri, Dian Novitasari, Ossa Nur Rizqi Febriandika Nurdana Malik Fajar Nurul Hanifa Parastiwi, Arvyana Pasaribu, Gymnastiar Eka Aurillina Prabowo, Prayudi Setiawan Putra, Moh. Rizqy Eka Putri Maidina Fadila Rahayu Puji Lestari Ramadhani, Clara Sinta Prameswari Rashifahunnisa' Mellinia Rika Septiani Puspita Sari Ririn Tri Ratnasari Rohmaningtyas, Nurwinsyah Rusnalasari, Zulidyana Dwi Sausan Liski Aulia Sausan Liski Aulia Shahbaz Alam Shahbaz Alam Syaraf, Ahsan Barra Tony Seno Aji Tri Nur Alfifa Tri Nur Alfifa Umam, Fachru Nurul Wasil, Mohammad Wenny Restikasari Wijayanto, Agung Dwi Wulandari, Asih Putri