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All Journal ASAS : Jurnal Hukum Ekonomi Syariah HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Afkar, Journal For Islamic Studies Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat Syi'ar Iqtishadi Jurnal Profetik Al Maal: Journal of Islamic Economics and Banking Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Jurnal khabar: Komunikasi dan Penyiaran Islam Tadbir: Jurnal Manajemen Dakwah TADBIR: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan Dakwah: Jurnal Kajian Dakwah dan Kemasyarakatan Mabny : Journal of Sharia Management and Business Jurnal Manajemen Dakwah Jurnal Riset Komunikasi Penyiaran Islam Journal of Islamic Management Busyro : Jurnal Dakwah dan Komunikasi Islam Journal of Da'wah JEBI (Jurnal Ekonomi dan Bisnis Islam) ITQAN: Journal of Islamic Economics, Management, and Finance FADZAT Jurnal Ekonomi Syariah Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Al-Manaj Innovative: Journal Of Social Science Research Musyarakah: Journal of Sharia Economics (MJSE) Jurnal Kajian Manajemen Dakwah Setyaki : Jurnal Studi Keagamaan Islam Gudang Jurnal Multidisiplin Ilmu HIKMAH: Jurnal Ilmu Dakwah dan Komunikasi Islam El-Uqud: Jurnal Kajian Hukum Ekonomi Syariah Journal of Entrepreneurial and Business Diversity Jurnal Manajemen Dakwah (J-MD) Tasyri' Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah JEBD Al-Zayn: Jurnal Ilmu Sosial & Hukum QOSIM: Jurnal Pendidikan, Sosial & Humaniora AL-KARIM: Journal of Islamic and Educational Research Jurnal Kajian Islam dan Sosial Keagamaan Moneter : Jurnal Ekonomi dan Keuangan Santri : Jurnal Ekonomi dan Keuangan Islam Hatta: Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi Jurnal Syariah dan Ekonomi Islam (JSEI) Jurnal Inovasi Ekonomi Syariah dan Akuntansi Mudabbir Jurnal Bisnis Inovatif dan Digital Al-Idaroh I'thisom: Jurnal Ekonomi Syariah Abdurrauf Law and Sharia Jurnal Manajemen Dakwah JIMAD : Jurnal Ilmiah Multidisiplin IPSSJ Ittishol: Jurnal Komunikasi dan Dakwah Ulil Albab Abdurrauf Journal of Education and Islamic Studies Mushawwir: Jurnal Manajemen Dakwah dan Filantropi Islam Munazzama Journal of Islamic Management and Pilgrimage Jurnal Ilmiah Ar-Risalah: Media Ke-Islaman, Pendidikan dan Hukum Islam BORJUIS (JURNAL OF ECONOMY) MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Humanitis (Jurnal Humaniora Sosial dan Bisnis) Islam and Social Science Review
Muhamad Zen
UIN Syarif Hidayatullah Jakarta
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Islamic Value Proposition Program Wakaf Digital Terhadap Kepuasan Wakif BWI Dalam Perspektif Pemberdayaan Ekonomi Umat Ummi Sa'adah; Muhamad Zen; Fatmawati Fatmawati
Al-Manaj : Jurnal Program Studi Manajemen Dakwah Vol. 6 No. 1 (2026): Al-Manaj
Publisher : Prodi Manajemen Dakwah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/5anjt229

Abstract

Penelitian ini bertujuan menganalisis value proposition program wakaf digital BWI terhadap kepuasan wakif dalam perspektif pemberdayaan ekonomi umat menggunakan kerangka Value Proposition Canvas (VPC) yang dikembangkan oleh Osterwalder et al. (2014) yang meliputi dimensi customer jobs, pains, gains, products & services, pain relievers, dan gain creators. Metode yang digunakan adalah studi literatur (library research) dengan pendekatan deskriptif kualitatif melalui analisis dokumen terhadap program-program digital BWI. Hasil penelitian menunjukkan bahwa program wakaf digital BWI seperti platform Satu Wakaf Indonesia, layanan e-AIW (Akta Ikrar Wakaf digital), dan instrumen Cash Waqf Linked Sukuk (CWLS) telah mampu menjawab kebutuhan fungsional, sosial, dan emosional wakif. Proposisi nilai yang kuat berupa kemudahan akses, transparansi pengelolaan, dan dampak sosial yang terukur berpotensi meningkatkan kepuasan wakif sekaligus memperluas partisipasi umat dalam pemberdayaan ekonomi berbasis wakaf produktif. Penelitian ini menyimpulkan bahwa penyelarasan antara value proposition digital BWI dengan profil wakif merupakan kunci utama dalam mendorong pertumbuhan filantropi Islam yang berkelanjutan. Penelitian ini merekomendasikan penguatan literasi digital wakaf, pengembangan fitur personalisasi layanan, dan peningkatan akuntabilitas publik sebagai strategi memperkuat value proposition BWI. Kebaruan penelitian ini terletak pada penerapan kerangka Value Proposition Canvas dalam konteks wakaf digital BWI yang masih jarang dikaji, sehingga memberikan perspektif manajemen pemasaran modern terhadap studi filantropi Islam.
Model Segmentasi dan Positioning Dakwah Digital PBNU dalam Penguatan Literasi Ekonomi Umat Islam Hari Risky Syahputra; Muhamad Zen; Fatmawati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31235

Abstract

Penelitian ini membahas model segmentasi dan positioning dakwah digital yang dilakukan oleh Pengurus Besar Nahdlatul Ulama (PBNU) dalam upaya memperkuat literasi ekonomi Islam di era digital. Perkembangan teknologi informasi telah mendorong transformasi dakwah dari metode konvensional menuju platform digital yang lebih interaktif, adaptif, dan luas jangkauannya. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif untuk menggambarkan secara mendalam strategi komunikasi dakwah digital PBNU. Hasil penelitian menunjukkan bahwa segmentasi audiens dilakukan secara komprehensif berdasarkan aspek demografis, psikografis, dan perilaku digital, sehingga pesan dakwah dapat disesuaikan dengan karakteristik masing-masing kelompok. Sementara itu, positioning dakwah digital PBNU dibangun sebagai gerakan yang moderat, inklusif, solutif, dan relevan dengan kebutuhan ekonomi umat. Melalui pemanfaatan berbagai platform digital, konten dakwah tidak hanya bersifat normatif, tetapi juga aplikatif dalam bentuk edukasi ekonomi syariah, kewirausahaan, dan pengelolaan keuangan berbasis Islam. Model segmentasi dan positioning yang tepat dalam dakwah digital terbukti mampu meningkatkan literasi ekonomi Islam, memperluas partisipasi masyarakat, serta mendorong pemberdayaan ekonomi umat secara berkelanjutan di era media sosial.
Strategi Positioning Sertifikasi Khatib sebagai Instrumen Standardisasi Dakwah Moderat dan Penguatan Ekonomi Umat: Studi pada Lembaga Dakwah Pengurus Besar Nahdlatul Ulama (LD PBNU) Fitrah Amaliah Hasibuan; Muhamad Zen; Fatmawati Fatmawati
Al-Manaj : Jurnal Program Studi Manajemen Dakwah Vol. 6 No. 1 (2026): Al-Manaj
Publisher : Prodi Manajemen Dakwah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/nzxzh495

Abstract

Penelitian ini mengkaji strategi positioning kelembagaan yang dibangun Lembaga Dakwah Pengurus Besar Nahdlatul Ulama (LD PBNU) melalui program standardisasi dan sertifikasi khatib, serta menelaah relevansinya bagi penguatan dakwah moderat dan ekonomi umat. Penelitian menggunakan pendekatan kualitatif deskriptif dengan metode studi kepustakaan yang dilengkapi analisis dokumen atas publikasi program, pemberitaan, dan literatur ilmiah terkait. Data dianalisis dengan analisis isi menggunakan kerangka teori positioning, yang dioperasionalkan ke dalam empat dimensi, yaitu segmen sasaran, titik kesamaan, titik pembeda, dan bukti pendukung. Hasil analisis menunjukkan bahwa LD PBNU memosisikan diri bukan sebagai pemberi izin berkhutbah, melainkan sebagai pembina kompetensi yang bertumpu pada tradisi keilmuan pesantren dan manhaj Ahlussunnah wal Jama’ah. Titik pembeda tersebut memisahkannya dari sertifikasi yang berbasis otoritas administratif negara maupun otoritas fatwa, sekaligus meredam kekhawatiran publik terhadap kontrol politik atas mimbar. Adapun keterkaitan sertifikasi dengan penguatan ekonomi umat diposisikan sebagai proposisi teoretis dan bukan temuan empiris: sertifikasi berpotensi menautkan legitimasi kompetensi dengan kepercayaan publik, peluang penugasan, dan penataan honorarium, namun rantai tersebut masih memerlukan pengujian lapangan. Penelitian ini menyimpulkan bahwa sertifikasi khatib berfungsi ganda, yakni sebagai pengendali mutu dakwah sekaligus penanda posisi kelembagaan, dengan tantangan utama berupa resistensi sosial, keterbatasan sumber daya, dan persepsi komersialisasi dakwah.
Fiqih Klasik Tentang Syuf`Ah dan Aplikasinya dalam Perlindungan Hak Pemegang Saham Minoritas NURRAHMAINI; Muhamad Zen
FADZAT: Jurnal Ekonomi Syariah Vol. 6 No. 1 (2025): Edisi Desember
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58787/fdzt.v6i1.254

Abstract

Konsep syuf‘ah dalam fiqih Islam klasik merupakan salah satu mekanisme perlindungan hak individu dalam transaksi kepemilikan bersama (musya‘). Syuf‘ah memberikan hak prioritas bagi mitra kepemilikan untuk membeli bagian yang dijual oleh salah satu pihak sebelum pihak lain di luar kepemilikan tersebut memiliki kesempatan membelinya. Hasil penelitian menunjukkan bahwa konsep syuf‘ah memiliki nilai keadilan dan perlindungan terhadap pihak yang lemah, yang sejalan dengan prinsip fair treatment dalam hukum korporasi modern. Aplikasi nilai-nilai syuf‘ah dapat dijadikan dasar moral dan yuridis dalam memperkuat regulasi yang melindungi pemegang saham minoritas dari praktik pengambilalihan atau penjualan saham yang merugikan kepentingan mereka. Dengan demikian, fiqih klasik tidak hanya relevan dalam konteks sosial masa lalu, tetapi juga memiliki signifikansi etis dan praktis dalam tata kelola perusahaan kontemporer. Kata Kunci: Syuf`Ah, Fiqih Klasik, Perlindungan Hukum, Pemegang Saham Minoritas.
Competitive Strategies of Maktour in Digital Competition and Strengthening the Ummah Economy Khoiruddin Ali Rahman; Muhamad Zen; Fatmawati
Musyarakah: Journal of Sharia Economic (MJSE) Vol 6, No 1 (2026): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v6i1.13839

Abstract

Introduction/Main Objectives: The rapid development of digital platforms has transformed competition in the Hajj and Umrah travel industry by reshaping consumer behavior, marketing practices, and service delivery systemsThis study aims to analyze the competitive strategies implemented by Maktour in responding to digital platform competition and to examine its contribution to strengthening the ummah economy. Background Problems: This topic is important because increasing digitalization has intensified competition among travel agencies, while studies integrating competitive strategy, digital competition, and the ummah economy remain limited. Novelty: The novelty of this research lies in the integration of strategic management and Islamic economics perspectives to explain how competitive advantage can support both business sustainability and socio-economic development. Research Methods: This study employs a qualitative descriptive-analytical approach using a literature review method. Data were collected from academic journals, company documents, official reports, and credible digital sources related to competitive advantage, digital transformation, and Islamic economics. Findings/Results: The findings reveal that Maktour adopts a multidimensional competitive strategy through service differentiation, digital marketing optimization, trust-based customer relationship development, and the integration of Islamic values into business practices. These strategies strengthen the company’s competitive position by emphasizing premium services, spiritual guidance, and customer trust while adapting to technological changes. Furthermore, Maktour contributes to strengthening the ummah economy through employment generation, support for sharia-based business ecosystems, and multiplier effects in related sectors. Conclusion: The study concludes that sustainable competitive advantage in the Hajj and Umrah industry depends not only on technological adaptation and operational efficiency but also on spiritual values, service quality, and long-term customer trust.
Optimalisasi Strategi Promosi Bank Syariah: Studi Kasus BSI dan Bank Muamalat dalam Meningkatkan Kesejahteraan Ekonomi Umat Istianah; Muhamad zen; Fatmawati
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 2 No. 4 (2025): April - Juni
Publisher : CV. ITTC INDONESIA

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

Abstract

Perbankan syariah di Indonesia telah berkembang pesat, namun pangsa pasarnya masih lebih kecil dibandingkan dengan bank konvensional. Salah satu faktor yang memengaruhi rendahnya penetrasi pasar bank syariah adalah strategi promosi yang belum optimal. Penelitian ini bertujuan untuk menganalisis efektivitas strategi promosi yang diterapkan oleh Bank Syariah Indonesia (BSI) dan Bank Muamalat dalam meningkatkan inklusi keuangan Islam serta kesejahteraan ekonomi umat. Metode penelitian yang digunakan adalah studi literatur dan wawancara langsung dengan pelaku usaha mikro, kecil, dan menengah (UMKM) yang menjadi nasabah BSI dan Bank Muamalat. Hasil penelitian menunjukkan bahwa BSI lebih agresif dalam strategi promosi digital dan branding, sementara Bank Muamalat lebih berfokus pada pemasaran berbasis komunitas dan kemitraan strategis. Kedua bank ini memiliki dampak positif dalam meningkatkan kesejahteraan ekonomi umat melalui program edukasi keuangan, pembiayaan berbasis syariah, serta dukungan terhadap UMKM berbasis Islam. Dengan demikian, strategi promosi yang optimal tidak hanya meningkatkan profitabilitas bank syariah tetapi juga memperluas inklusi keuangan Islam dan memperkuat ekosistem ekonomi syariah di Indonesia. Kata kunci: Strategi Promosi, BSI, Bank Muamalat, Kesejahteraan Ekonomi
Efektivitas Program Promosi Produk Halal dalam Pemberdayaan Ekonomi Umat: Studi Kasus Kampanye Dakwah Digital M Gustar Umam; Muhamad Zen; Fatmawati Fatmawati
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 2 No. 4 (2025): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

The Strategic Role of Halal Products in Empowering the Muslim Economy Halal products play a strategic role in empowering the Muslim economy, especially in Muslim-majority countries like Indonesia. This article aims to analyze the effectiveness of promoting halal products through digital da'wah approaches, branding strategies, and halal regulations in driving the growth of the halal industry and empowering the Muslim economy. The use of social media as a means of digital da'wah has proven effective in raising public awareness about the importance of consuming halal products. Halal branding strategies that leverage certification, Islamic imagery, and sharia-compliant marketing communication have successfully built consumer loyalty and increased product competitiveness in the global market. Furthermore, the implementation of halal regulations—particularly Indonesia's Halal Product Assurance Law provides a strong legal foundation for the development of the halal industry. Case studies from halal cosmetic brand Wardah and several MSMEs show that digital transformation accelerates market penetration and operational efficiency in halal businesses. This article concludes that the integration of digital da'wah campaigns, branding strategies, supportive regulations, and digitalization of the halal industry significantly contributes to the growth of sharia-compliant businesses and the economic well-being of the Muslim community. Recommendations are offered to industry players, policymakers, and the public to strengthen the halal ecosystem through continuous collaboration and innovation.
Konsep Fiqh Muamalah tentang Mudharabah dan Perkembangannya dalam Islamic Venture Capital Siti Hayati Nufus; Muhamad Zen
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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Abstract

The need for interaction and collaboration is a fundamental trait in human economic life. In the context of the Islamic financial system, this need is accommodated by a financing mechanism that adheres to the principle of profit sharing and shared risk. One of the most relevant and fundamental forms of partnership contracts is Mudharabah. Along with the evolution of global markets and the complexity of technological innovation, there has been a need to adapt this classic framework into modern financial instruments. This study aims to analyze the application of fiqh muamalah mudharabah and its development in Islamic Venture Capital and legal adjustment with classical fiqh. The method applied in this study is a qualitative method by means of literature study. All information obtained is then processed through scientific stages. This study shows that the mudharabah contract in the development of Islamic Venture Capital is very significant, as evidenced by the existence of the contract used and adhering to sharia principles. Islamic Venture Capital aims to support new venture innovation through involvement in the process of developing and forming companies. The financing method of Sharia Venture capital includes: mudharabah, which is a transaction between two parties who work together to obtain profits.
Promosi Dakwah Badan Wakaf Indonesia dalam Mendistribusikan Produk Filantropi Islami untuk Pemberdayaan Ekonomi Umat Yoga Agus Yulianto; Muhamad Zen; Fatmawati Fatmawati
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study examines the role of the Indonesian Waqf Board (BWI) in promoting Islamic philanthropic da’wah, particularly through the distribution of waqf as a strategy for empowering the Muslim community’s economy in Indonesia. Waqf, as one of the core instruments of Islamic philanthropy, has substantial potential to reduce social inequality and improve community welfare. However, low public literacy about waqf, the lack of professionalism among waqf managers (nazhir), and limited use of digital technology remain key challenges. Using a qualitative approach through literature studies, observation, and document analysis, the study finds that BWI has implemented a transformative da’wah strategy by optimizing cross-sector collaboration, digital technology utilization, and community education. The results reveal that BWI's collaboration with Islamic financial institutions, government ministries, and civil society organizations has enhanced public engagement and the distribution of cash waqf, productive waqf, and waqf-based MSME programs. Moreover, the use of social media, mobile applications, and the waqf information system has expanded outreach and improved management transparency. This study concludes that the integration of da’wah, technology, and collaboration is essential in strengthening waqf as a viable tool for Islamic economic development. Moving forward, regulatory reform, comprehensive digitalization, and local community empowerment must become strategic priorities to sustain the national Islamic philanthropic ecosystem.
TAS’IR PERSPEKTIF FIQH KLASIK DAN KONTEMPORER SERTA RELEVANSINYA DALAM KEBIJAKAN EKONOMI SYARIAH NEGARA Yuzril Mahendra; Muhamad Zen
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 17 No. 2 (2025): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v17i2.14467

Abstract

This article aims to understand the differences between classical and contemporary Islamic jurisprudence (fiqh) views on the phenomenon of pricing and the arguments for the rejection and permissibility of price fixing. It also aims to explain the intervention of the Indonesian government in pricing, particularly fuel, food, basic necessities, and pricing by LKS banking and non-banking Muamalah authorities. The method in this research uses a descriptive qualitative approach with a literature review approach through a process of critical analysis and synthesis of books, journals, and information from the internet. In the context of pricing, the Indonesian government aims to prevent ihtikar practices, fraud, price stability, and public welfare. LKS banking and non-banking Muamalah conduct price fixing to ensure transactions run systematically, fairly, transparently, and protect consumers from products containing gharar. According to classical Islamic jurisprudence scholars, there are two views: prohibiting and permitting. Meanwhile, according to modern Islamic jurisprudence scholars such as Wahbah az-Zuhaili and Quraish Shihab, the government may exercise its authority to establish regulations regarding pricing. This is permissible for two reasons: the occurrence of ihtikar (scams) and sales practices that take profits exceeding 30% of the original price.
Co-Authors Ahmad, Habibullah Al Kahfi, Al Kahfi Amalia, Alvina Apdil Abdilah Apdil Abdilah Ardiansyah, Muhammad Farid Abi Arif, Zainal Arsela, Mika ARVAN SANDIKA Azhaari, Hasna Baharudin Ardani Bariek Azka Perdana Darmawati, Nia Dida Novandika Dinda Luthfiaturrahmah Alhaq eko prabowo Eko Prabowo, Eko Fadhilla, Indah Fahmi, M. Fahmi Ashari Fatkhullah, Imam Fatmawati Fatmawati - Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati, Fatmawati Fitrah Amaliah Hasibuan Fitrah Amaliah Hasibuan Handayani, Nur Annisa Tri Harahap, Maratua Hasonangan Hari Risky Syahputra Hari Risky Syahputra Heny May Widiyawati Huzzatul Fikriyah Ibnu Apriani Iqbal Maulana Istianah Kahfi, Al Khoiruddin Ali Rahman Laeli, Azah Nur M Gustar Umam M. Miftahur Rahmat Isnaini M. Miftahur Rahmat Isnaini Mara Umar Mohammad Fahmy Bin Rapaee Muhamad Afdoli Ramadoni Muhammad Dzaki Hawari Muhammad Farid Abi Ardiansyah Muhammad Hafizul Aripin Muhammad Yudha Ardiansyah Mujadid, Shofam Amim Murodhi, Difa Baladissalam nida arafat Nuha, Nuha Nabila Aswari Nuralim, Aip NURRAHMAINI Nurul Alvi Chindi Fadhilah Nurul Alvi Chindi Fadhilah Nurul Fadilah, Nurul Paula Sembiring Rahmat Ramadan Rahmi Nur Azizah Ramadhan, Fitrah Rhohis Kurniawan Robaiyadi Robaiyadi Rubiyanah Sabirin, Yoga Basyiril Sa’idahtul Akmala Yusuf Sembiring, Muhammad Rifaldi Syahputra Shabri, Nabilla Aulia Siti Hayati Nufus Siti Sofiah Rahmawati Siti Sofiah Rahmawati Siti Trizuwani Siti Trizuwani Sofian Syahrizal Syuhudi, Irfan Tegar Efrizal Ummi Sa'adah Ummi Sa’adah Wali, Ahmad Mutawalli Nasution Wisnu Nugraha Yoga Agus Yulianto Yusrin, Erlin Annisa Yuzril Mahendra Yuzril Mahendra Zahira, Hasna Zakaria Syihabudin Zein Ramadhan Rifa’I, M Zen, Fatmawati