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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 BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING 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 Scientific Journal of Management and Business JIFA (Journal of Islamic Finance and Accounting) Global Economic, Social, and Development Review (GESDR)
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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Exploring the Marketing Strategy of Imported Books Trading on Social Media Platforms Aminudin Ma'ruf; Rika Septiani Puspita Sari
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 7 No 1 (2024): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v7i1.4025

Abstract

Technological progress has had an impact on various fields. The economic sector has not been spared either. With the development of technology businesses, the right strategy must be embraced. This study aims to determine the marketing strategies businesses adopt in trading imported books on the Instagram platform. A qualitative research method was using interviews and documentation data. A total of six businesses were interviewed, and the data was then presented with some analysis. The results indicate that the marketing strategies used by the traders are promotions through Instagram features, market segmentation, and consumer engagement. The paper humbly suggests that businesses may widen their market by adopting other social media and involving e-commerce. In addition, the study argues that businesses must consider several factors in their promotions, such as price, quality, and trend. The paper carries some limitations and comes with several recommendations.
Exploring Management and Effectiveness of Distribution of Infaq and Shadaqah Funds Aminudin Ma'ruf; Novitasari, Ossa; Lathifah, Annisa Ul
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 8 No. 1 (2024)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol8.i1/12862

Abstract

Infaq and Shadaqah emerge as pivotal elements of Islamic social finance. Both contribute to alleviating poverty and supporting the prosperity of society. This study explores the management and effectiveness of the management and effectiveness of the distribution of infaq and shadaqah funds, with case studies of LAZNAS Nurul Hayat and Yatim Mandiri. The paper adopts a qualitative research method with a descriptive analysis approach. The data in this study was obtained from interviews with the officers from both institutions and data collection from their official websites. The results of the study found that there are some similarities and differences between the institutions such as collection through CSR programmes and distribution of the funds through da’wah. The effectiveness of Nurul Hayat's LAZNAS in 2019 was categorized as very effective, while in 2020 the Gross Allocation to Collection Ratio and Gross Allocation to Non-Amil Ratio were categorized as less effective and ineffective. Differently, LAZNAS Yatim Mandiri Solo 2019-2020 Gross Allocation to Collection and Gross Allocation to Collection Non-Amil are categorized as ineffective, while in 2019-2020 Net Allocation to Collection Ratio and Net Allocation to Collection Ratio Non-Amil are categorized as effective and very effective. The study carries some limitations with a number of future recommendations.
The Role of Sharia Economic Stakeholders in Indonesia’s Sharia Economy Masterplan 2019-2024: Pentahelix Concept Analysis Ma'ruf, Aminudin; Mellinia, Rashifahunnisa’; Rohmaningtyas, Nurwinsyah; Alam, Shahbaz
Danadyaksa: Post Modern Economy Journal Vol. 2 No. 2 (2025): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v2i2.118

Abstract

Indonesia's Sharia economy has grown rapidly in recent years, attracting the attention of investors both domestically and internationally. In 2019, the Indonesian government launched the Sharia Economic Masterplan 2019-2024 to strengthen the Islamic economic ecosystem and position Indonesia as the world's leading Islamic economic center. This study aims to analyze the role of each Islamic economic stakeholder in the 2019-2024 Indonesian Islamic Economics Masterplan using the Pentahelix concept analysis. The results show that the government plays a crucial role as a regulator in formulating policies and regulations that support Islamic economic development. Through research and public consultation, academics contribute relevant concepts and innovations to the development of the Islamic economy. Islamic business people and financial institutions, such as Islamic banking, Islamic capital markets, and MSMEs, play an essential role as drivers of the halal industry. The Islamic economic community acts as an accelerator in strengthening the halal industry in various sectors. Meanwhile, as a multiplier, the media plays an essential role in maximising the fulfillment of the halal market share by promoting and educating the public about the available halal products and services. It is hoped that the synergy between stakeholders can achieve inclusive, sustainable sharia economic growth and encourage the progress of the halal industry in Indonesia.
Implementation of Islamic Business Ethics: The Case of MSMEs in Sukoharjo, Indonesia Ma'ruf, Aminudin; Mukhlisin, Fajar Sidiq; Rohmaningtyas, Nurwinsyah
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.4014

Abstract

Introduction: Islam urges every Muslim to work and comply with all Islamic principles. The Centre of Statistical Data (BPS) of Sukohajo noted that 94.8% of Sukoharjo’s population is Muslim. This indicates that Sukoharjo has great economic potential, especially in the field of halal lifestyle. This paper conducted a study with the aim to analyse the application of Islamic business ethics to Micro, Small, and Medium Enterprises (MSMEs) in Sukoharjo. Research Methods: This research employs a qualitative analysis with a descriptive analysis method. Primary data were obtained through interviews and documentation with 28 MSMEs in Sukoharjo as the research sample. The data is then analysed by data reduction, data display, and data verification. Results: The result shows that the majority of MSMEs in Sukoharjo Regency have implemented Islamic business ethics such as honesty, fairness, greetings, trust, and selling halal products. However, religious activities for employees lack the practices. There are several internal and external factors shaping the implementation of Islamic business ethics of MSMEs in Sukoharjo, namely internal factors (beliefs) and external factors (science, family, social environment, experience, and type of business). Conclusion: The study humbly urges the Indonesian Ulema Council to incorporate Islamic business ethics in their teachings, shaping a better understanding of society and leading the optimisation of the application.
DETERMINAN FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK DIGITAL YANG TERDAFTAR DI BEI Putra, Moh. Rizqy Eka; Pasaribu, Gymnastiar Eka Aurillina; Fisabilillah, Ladi Wajuba Perdini; Ma'ruf, Aminudin
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.65203

Abstract

This research aims to analyze the determinants of factors that influence the profitability of digital banks listed on the Indonesia Stock Exchange (BEI) during the 2018–2023 period. The independent variables tested include Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), and Operational Costs to Operating Income (BOPO), with Return on Assets (ROA) as the dependent variable. The method used is quantitative with panel data regression using Eviews 10 software. The research sample consists of six digital banks that meet the criteria, with a total of 30 observations. The research results show that NPL has a positive but not significant effect on ROA, CAR has a positive and significant effect on ROA, while BOPO has a significant negative effect on ROA. These findings indicate that operational efficiency and capital adequacy are key factors in increasing digital bank profitability. Therefore, digital banks need to improve operational efficiency and maintain a strong capital position to maintain optimal financial performance.
Islamic Pawnbroking in Scholarly Discourse: Trends, Gaps, and Future Directions Ma'ruf, Aminudin; Hasanah, Silvya Miftahul; Hakim, Lukmanul; Umam, Fachru Nurul
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.v14i1.27484

Abstract

The development of Islamic pawnbroking (Ar-Rahnu) as a short-term financing mechanism presents a promising solution for poverty alleviation by supporting small and medium-sized entrepreneurs. This study aims to visualize the progress and research trends in Islamic pawnbroking using bibliometric analysis. Data were collected from the Scopus database, where an initial search conducted on September 16, 2022, retrieved 168 documents, later refined to 101 articles based on inclusion criteria. The dataset was analyzed using VOSviewer to generate visualizations of keyword co-occurrence, author collaboration, citation patterns, and thematic clusters. Findings show a steady increase in scholarly output from 1913 to 2022, with significant growth post-2010. However, the field faces persistent challenges such as low public awareness, preference for conventional pawnshops, and unregulated financial practices. The study suggests strategic improvements for Islamic pawnbroking, including product diversification, targeted marketing, and public re-education to broaden its appeal beyond low-income users. The bibliometric mapping also identifies potential research directions, particularly in microenterprise financing and socio-economic empowerment through Islamic financial services.======================================================================================================== ABSTRAK - Pegadaian Syariah dalam Wacana Akademik: Tren, Kesenjangan, dan Arah Penelitian ke Depan. Perkembangan pegadaian syariah (Ar-Rahnu) sebagai mekanisme pembiayaan jangka pendek merupakan solusi yang menjanjikan untuk mengatasi kemiskinan melalui dukungan kepada pengusaha kecil dan menengah. Penelitian ini bertujuan untuk memvisualisasikan kemajuan dan tren penelitian dalam bidang pegadaian syariah dengan menggunakan analisis bibliometrik. Data dikumpulkan dari basis data Scopus, di mana pencarian awal pada tanggal 16 September 2022 menemukan 168 dokumen, yang kemudian disaring menjadi 101 artikel berdasarkan kriteria inklusi. Dataset dianalisis menggunakan VOSviewer untuk menghasilkan visualisasi keterkaitan kata kunci, kolaborasi penulis, pola kutipan, dan klaster tematik. Temuan menunjukkan peningkatan stabil dalam publikasi ilmiah dari tahun 1913 hingga 2022, dengan lonjakan signifikan pasca-2010. Namun, bidang ini masih menghadapi tantangan seperti rendahnya kesadaran masyarakat, preferensi terhadap pegadaian konvensional, dan praktik keuangan yang tidak teregulasi. Studi ini menyarankan peningkatan strategis dalam pegadaian syariah, termasuk diversifikasi produk, pemasaran yang ditargetkan, dan edukasi publik untuk memperluas daya tariknya di luar kelompok berpenghasilan rendah. Pemetaan bibliometrik juga mengidentifikasi arah penelitian potensial, khususnya dalam pembiayaan usaha mikro dan pemberdayaan sosial ekonomi melalui layanan keuangan Islam. 
Trade-off between Outreach and Profitability in Microfinance Institutions: Evidence from Bangladesh Aminudin Ma'ruf; Hamim Azad
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 10 No. 1 (2023)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v10i1.8051

Abstract

Claims have been made that the purpose of microfinance is to alleviate poverty and remain sustainable. Hence, there is a trade-off between outreach to the low-income community and financial profitability. This research study tried to examine the trade-off between outreach and profitability of microfinance institutions in the context of Bangladesh. This study uses a data sample of 433 Microfinance Institutions obtained from the Microcredit Regulatory Authority on Microfinance Institutions in Bangladesh. Factors that significantly influence the outreach are the Total number of borrowers and Loan size to borrowers, while the profitability, is Equity to asset and Total assets. The result shows that there is significant evidence of a trade-off between outreach and profitability in Microfinance Institutions in Bangladesh. Furthermore, the paper recommends Microfinance Institutions remain small in order to maximize their outreach and urges policymakers to develop robust regulations on microfinance to help the poor community and support the nation’s economy for long-term prosperity.
Dynamics and Development of MSMEs Halal Products in the Covid-19 Pandemic: A Case Study in the Tourism Area of Pacitan Regency Ma'ruf, Aminudin; Fajar, Nurdana Malik; Ramis, Irfan
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.
How do Baitul Maal Wat Tamwil empower Micro, Small and Medium Enterprises amidst COVID-19 pandemic? A case of Indonesia Ma'ruf, Aminudin; Elmi Nur Azizah; Jannah Arrum Sari
JIFA (Journal of Islamic Finance and Accounting) Vol. 5 No. 1 (2022)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jifa.v5i1.5357

Abstract

During the COVID-19 pandemic, Baitul Maal Wat Tamwil (BMT) in Sukoharjo, a region of Indonesia is consistently contributing to the empowerment of Micro, Small and Medium Enterprises (MSMEs). Hence, how the BMT empowers the MSMEs is a worthy attribute to explore. The current study delves into an in-depth exploration on the strategies and policy innovations carried out by the BMTs as well as to analyse the impact or influence caused by the existence of these strategies. The method used in this research is field research with a qualitative approach. Data collection techniques were carried out through observation with interviews with various related parties. The results showed that the empowerment strategy carried out by BMT Dana Mulia and BMT Makmur Mandiri was by implementing a restructuring policy in an effort to maintain the stability of the institution's operations. Meanwhile, BMT Bina Ummah Sejahtera has tightened risk mitigation by making efforts to be more careful in conducting financing and deposit transactions, using online media and the three BMTs providing business assistance. The influences that arise with this strategy are providing ease of capital assistance during the COVID-19 pandemic, assisting business development of MSMEs, minimizing the risks faced by MSMEs, and encouraging the spirit of MSMEs in marketing their businesses.
Analysis Of Ib Working Capital Product Marketing Strategies (Case Study: Bank Jateng Syariah) Ma'ruf, Aminudin; 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.
Co-Authors Aditya Nurrahman Adityo Wiwit Kurniawan Afief El Ashfahany Ahmad Athoillah Azzakiy Ahmad Syaifuddin Aisa, Siti Nur Aishath Muneeza Aishath Muneeza, Aishath Alam, Shahbaz Aminah Hasyim Aminah Hasyim Angrinda Anggih Umi Kulsum Ardika Tristyanto 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 Fatmala, Rahmania Dwi Fatoni, Muhammad Iqbal Firmansyah, Arif Amanudin Hamim Azad Hamzah, Akhmad Faisal Hasanah, Silvya Miftahul Hutabarat, Ruth Eviana Imron Rosyadi Irfan Ramis Jamil, Fadila Ainur Jannah Arrum Sari Jannah Arrum Sari Khairunnisa Nurul Fikri Kukuh Arisetyawan Ladi Wajuba Perdini Fisabilillah Lathifah, Annisa Ul LUCKY RACHMAWATI Lukmanul Hakim Mashuri, M. Iqbal 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 Nuvita Lailatul Fitriah Octavia, Elyada Christi 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 Safa Kharisma 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