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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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Digitalization of Data Management: Optimizing the Potential of Tawangsari Village, Sidoarjo Ma'ruf, Aminudin; Rachmawati, Lucky; Wasil, Mohammad; Arisetyawan, Kukuh; Hutabarat, Ruth Eviana; Ramadhani, Clara Sinta Prameswari
Journal Of Human And Education (JAHE) Vol. 4 No. 5 (2024): Journal of Human And Education (JAHE)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jh.v4i5.1665

Abstract

The current data management system of Tawangsari Village is a manual. This creates obstacles for village officials and the community around them. Looking at the problem, it is necessary to digitize the data management system to tackle issues faced by the management of Tawangsari Village. The use of digital systems is believed to be able to handle the problem of information dissemination in Tawangsari village. The community service at Tawangsari Village aims to share the implementation of a digital data management system. In addition, the community service program is intended to enhance further collaboration between academia and the community. Based on security and ease of use, the community service program offers Google Forms as a tool for data management. Using Google Forms applications will bring changes from a conventional to a paperless culture. The community service program has unlocked the untapped potential of village data management to be more reliable
Halal Tourism Potential in Muslim Minority Areas (A Case Study in Indonesia) Alam, Azhar; Nofitri, Dian; Ma'ruf, Aminudin
Journal of Sustainable Tourism and Entrepreneurship Vol. 3 No. 3 (2022): May
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v3i3.1296

Abstract

Purpose: The purpose of this study is to determine the potential that Ngada Regency has as a Muslim minority area in developing halal tourism, as well as the efforts that must be made to support this potential so that it can be applied. Research Methodology: The research method used is descriptive qualitative research. Primary data sources were obtained through interviews with fourteen respondents, including; the Indonesian Ulema Council of Ngada Regency, the Ministry of Islamic Religion of Ngada Regency, the Ngada Regency Tourism Office, Islamic religious leaders, and local Muslim tourists. Results: The results of this study show that Ngada Regency has the opportunity to implement halal tourism, judging from the tourism potential it has, including; marine parks of 17 islands, beaches, mountains, hills, waterfalls, craters, hot springs, and traditional villages. The available tourist attractions are the main attractions and characteristics that distinguish Ngada Regency from other districts in East Nusa Tenggara. Then, judging from the enthusiasm of local Muslim tourists visiting tourist destinations, Ngada Regency has the opportunity to implement halal tourism. However, the facilities and infrastructure available in tourist destinations and lodging places must follow halal tourism principles. Limitations: This study has limited data coverage in an Eastern Indonesia region that has a Muslim minority demographic. Contributions: The study is the first to examine the potential of halal tourism in eastern Indonesia with the condition of the Muslim minority population. Novelty: This study makes a valuable contribution to the study of the development of halal tourism in eastern Indonesia, which has a Muslim minority demographic.
Effectiveness of Indonesian Islamic Philanthropy E-payment: A Netnographic Study Ma'ruf, Aminudin; Mellinia, Rashifahunnisa'
AFEBI Islamic Finance and Economic Review Vol. 8 No. 1 (2023)
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

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

Abstract

The best achievement of zakat institutions in fulfilling their duties as an organization is strongly influenced by several strategies for utilizing the latest technology. Electronic payment (e-payment) plays an important role in accelerating any institutional transaction. As we all know, there are various electronic payment systems that facilitate online buying and selling transactions. This study aims to determine the effectiveness of zakat payment services through the Cinta Zakat application owned by the National Amil Zakat Agency (BAZNAS), this study uses a netnography method to analyze application user reviews through the Google Play store platform. Netnography is used to understand social interaction in the context of contemporary digital communication. The results of this study showed an analysis based on 69 user reviews of the Cinta Zakat application, including analysis of positive reviews, negative reviews, then comparison of reviews for effectiveness analysis. The percentage of 26.09% of positive reviews was shown by the aspect of ease of zakat payments through the application that users disclosed. Meanwhile, as many as 1.45% of the negative reviews were indicated by the aspects of login problems and OTP error codes. The paper is hoped to become one of the references in the field of information technology and measuring the performance of zakat workers institutions, through social media interactions.
Peningkatan Kapasitas dan Mutu Produk Batik Berbasis Green Management di Kabupaten Bangkalan Rusnalasari, Zulidyana Dwi; Ma'ruf, Aminudin; Nilasari, Aprillia; Parastiwi, Arvyana; Mustafidah, A'imatul
BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Vol 8 No 1 (2026)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/berdaya.v8i1.1746

Abstract

This community service program aims to enhance the capacity and quality of environmentally friendly batik production in Bangkalan Regency through the application of green management-based technology and innovation. Implemented in Paseseh Village, Tanjung Bumi District, from March to August 2025, the program involves the MSME partner Bisma Batik. Using a participatory approach, the activities include the application of energy-efficient lorot machines to accelerate the wax removal process, training in natural dye production using local materials, and training in business management and digital marketing through social media and online marketplaces. The results demonstrate significant improvements in production efficiency, with wax removal time reduced by up to 30% and production capacity increasing two to three times. The partner also successfully implemented a simple accounting system, developed standard operating procedures (SOPs), and activated digital marketing channels to expand market reach. Overall, the program enhanced efficiency, product quality, and competitiveness while promoting green economy principles and sustainable innovation. This initiative contributes to improving artisans’ welfare, strengthening the local economy, and supporting the preservation of environmentally friendly batik practices.
Marketing Adaptation in Sharia Based Cooperative Finance during a Global Health Crisis Ma'ruf, Aminudin; Ahmad Athoillah Azzakiy; Sausan Liski Aulia; Shahbaz Alam
Journal of Finance and Islamic Banking Vol. 8 No. 2 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i2.11604

Abstract

Purpose: This study aims to examine how Sharia based cooperatives adapted their marketing strategies for financing products during the COVID 19 pandemic, with a focus on Sharia cooperatives operating in Klaten City. The study also explores the key obstacles faced and the solutions adopted during the global health crisis. Method: This research employs a qualitative field research approach using inductive analysis. Data were collected through in depth interviews with managers of four Sharia cooperatives or Baitul Maal wat Tamwil institutions in Klaten City to capture institutional responses to pandemic related disruptions. Result: The findings show that Sharia cooperatives adapted their marketing strategies by targeting business sectors that remained active, applying the marketing mix strategy covering product price place and promotion, and strengthening marketing communication with members. However, several challenges emerged, including social distancing restrictions, intense institutional competition, and limited human resource capacity in Sharia financing and digital marketing. Implication: The study highlights the importance of adaptive marketing strategies and digital readiness to ensure the sustainability of Sharia cooperative finance during crisis conditions. Originality: This study provides empirical insights into marketing adaptation strategies of Sharia cooperatives during a global health crisis, contributing to the literature on Islamic cooperative finance and crisis management.
Halal Tourism Potential in Muslim Minority Areas (A Case Study in Indonesia) Alam, Azhar; Nofitri, Dian; Ma'ruf, Aminudin
Journal of Sustainable Tourism and Entrepreneurship Vol. 3 No. 3 (2022): May
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v3i3.1296

Abstract

Purpose: The purpose of this study is to determine the potential that Ngada Regency has as a Muslim minority area in developing halal tourism, as well as the efforts that must be made to support this potential so that it can be applied. Research Methodology: The research method used is descriptive qualitative research. Primary data sources were obtained through interviews with fourteen respondents, including; the Indonesian Ulema Council of Ngada Regency, the Ministry of Islamic Religion of Ngada Regency, the Ngada Regency Tourism Office, Islamic religious leaders, and local Muslim tourists. Results: The results of this study show that Ngada Regency has the opportunity to implement halal tourism, judging from the tourism potential it has, including; marine parks of 17 islands, beaches, mountains, hills, waterfalls, craters, hot springs, and traditional villages. The available tourist attractions are the main attractions and characteristics that distinguish Ngada Regency from other districts in East Nusa Tenggara. Then, judging from the enthusiasm of local Muslim tourists visiting tourist destinations, Ngada Regency has the opportunity to implement halal tourism. However, the facilities and infrastructure available in tourist destinations and lodging places must follow halal tourism principles. Limitations: This study has limited data coverage in an Eastern Indonesia region that has a Muslim minority demographic. Contributions: The study is the first to examine the potential of halal tourism in eastern Indonesia with the condition of the Muslim minority population. Novelty: This study makes a valuable contribution to the study of the development of halal tourism in eastern Indonesia, which has a Muslim minority demographic.
INTERNAL AND EXTERNAL DETERMINANTS OF PROFITABILITY: EVIDENCE FROM KBMI 4 BANKS IN INDONESIA Mashuri, M. Iqbal; Ma'ruf, Aminudin
ANALISIS Vol. 16 No. 01 (2026): ANALISIS VOLUME 16 NO. 01 TAHUN 2026
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v16i01.7798

Abstract

This study analyzes factors influencing bank profitability in Indonesia, focusing on KBMI 4 category banks period 2017–2024. Profitability is measured using Return on Assets (ROA) and Return on Equity (ROE) to reflect performance from perspectives of asset utilization and shareholders. The study uses quarterly panel data and applies Fixed Effect Model with robust standard errors to examine influence of external and internal factors on bank profitability. External factors include BI Rate and inflation, while internal factors consist of operational efficiency (BOPO), credit risk measured by Non-Performing Loans (NPL), capital structure measured by Total Assets to Total Equity, and bank size. A Covid-19 dummy variable is also included to control for impact of pandemic. The results show that internal bank factors are more dominant than external macroeconomic in determining profitability. Operational efficiency and credit risk have a negative and significant effect on both ROA and ROE. Capital structure and bank size negatively and significantly affect ROA but are not significant for ROE. Meanwhile, BI Rate and inflation do not significantly influence either profitability measure. The Covid-19 variable has a positive and significant effect on ROA but not on ROE, indicating that policy support during pandemic helped maintain banks’ operational performance.
Meninjau Kembali Teori Utang Publik Dan Pertumbuhan Ekonomi Safa Kharisma; Aminudin Ma'ruf
Jurnal Ekonomika : INDEPENDEN Vol 6 No 1 (2026): April 2026
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v6i1.74286

Abstract

Public debt is one of the fiscal policy instruments used by the government to close the deficit, finance development and stabilize the economy. However, the relationship between public debt and economic growth is still a matter of debate in the economic literature. This study aims to review the relationship between public debt and economic growth with an emphasis on a theory-based approach. The method used is a systematic literature review (SLR) of international journal articles published. This study groups research findings based on the main theoretical framework, namely neoclassical, keynesian, debt overhang, ricardian equivalence, and endogenous growth. The results of the review show that the influence of public debt on economic growth is contextual and influenced by the quality of institutions, debt structure, economic conditions and the effectiveness of government spending. In general, public debt tends to have a negative impact on growth when it has crossed the limit, but it can be neutral or even positive under certain conditions. This article contributes by presenting a comprehensive theoretical synthesis, providing direction for empirical research and the formulation of fiscal policy going forward.
The Faktor-Faktor Makroekonomi yang Mempengaruhi Pasar Saham di Amerika Serikat dan Pasar yang berkaitan dengan China: English Ardika Tristyanto; aminudin Ma'ruf
Jurnal Ekonomika : INDEPENDEN Vol 6 No 1 (2026): April 2026
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v6i1.74671

Abstract

This study analyzes the short-run macroeconomic determinants of stock market dynamics in the United States and a China-related equity market using the Autoregressive Distributed Lag (ARDL) approach. Monthly data are employed for the S&P 500 Index and the Hang Seng Index, along with key macroeconomic variables: Economic Policy Uncertainty (EPU), Consumer Price Index (CPI), Industrial Production Index (IPI), and Bitcoin (BTC) prices. Unit root test results show mixed orders of integration, supporting the use of the ARDL framework. However, bounds testing finds no evidence of cointegration, indicating the absence of a long-run relationship and justifying a focus on short-run dynamics. The findings reveal clear market asymmetries. In the United States, industrial production has a significant negative effect on stock returns, while BTC prices exert a positive and significant influence, reflecting risk-on behavior and liquidity effects. In contrast, EPU in China shows a positive and near-significant effect, suggesting uncertainty is perceived as a signal of potential policy intervention. Inflation remains insignificant in both markets, highlighting structural differences between mature and policy-driven economies. Keywords: S&P 500, Hang Seng Index, Economic Policy Uncertainty, Consumer Price Index, Industrial Productivity Index, Bitcoin, United States and China
Menjelajahi Faktor-Faktor Pendorong Profitabilitas di Sektor Perbankan: Sebuah Studi Literatur Nuvita Lailatul Fitriah; Ma'ruf, Aminudin
SCIENTIFIC JOURNAL OF MANAGEMENT AND BUSINESS (SJMB) Vol. 6 No. 1 (2026): VOLUME 6 NOMOR 1 TAHUN 2026
Publisher : Program Studi Manajemen Universitas Flores

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/sjmb.v6i1.7857

Abstract

Studi ini bertujuan untuk menganalisis penentu profitabilitas perbankan menggunakan indikator Return on Assets (ROA) dan Return on Equity (ROE). Metode yang digunakan adalah tinjauan pustaka publikasi ilmiah untuk periode 2017–2025, dengan fokus pada beberapa bank yang berperan strategis dalam menjaga stabilitas sistem keuangan. Teknik analisis melibatkan sintesis hasil studi sebelumnya untuk mengidentifikasi pengaruh faktor internal dan eksternal. Hasil menunjukkan bahwa faktor internal lebih dominan. Rasio Pinjaman terhadap Simpanan dan Margin Bunga Bersih memiliki pengaruh positif yang signifikan terhadap profitabilitas, sedangkan rasio Beban Operasional terhadap Pendapatan Operasional memiliki dampak negatif yang konsisten, menekankan pentingnya efisiensi operasional. Leverage menghasilkan hasil yang beragam: meningkatkan ROE melalui efek pengganda modal, tetapi menurunkan ROA ketika berlebihan. Faktor eksternal seperti suku bunga cenderung mendukung profitabilitas, sedangkan inflasi menunjukkan dampak yang tidak konsisten. Variabel dummy COVID-19 mengkonfirmasi adanya guncangan struktural yang menekan ROE. Kesimpulan dari studi ini menekankan relevansi teori-teori intermediasi keuangan, efisiensi operasional, struktur modal, dan kebijakan moneter dalam konteks perbankan modern. Implikasinya adalah manajemen bank perlu mengoptimalkan efisiensi dan biaya intermediasi, regulator harus menyesuaikan kebijakan moneter secara adaptif, dan investor perlu mempertimbangkan risiko leverage dan sensitivitas krisis dalam pengambilan keputusan.
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