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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 Syi'ar Iqtishadi Jurnal Profetik Al Maal: Journal of Islamic Economics and Banking 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 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 Jurnal Hukum Ekonomi Syariah : AICONOMIA Innovative: Journal Of Social Science Research 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 Journal of Business Economics and Management 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 ISTA Online Technologi Journal 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)
Muhamad Zen
UIN Syarif Hidayatullah Jakarta
Religion Aerospace Engineering Arts Humanities Chemical Engineering, Chemistry & Bioengineering 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 Medicine & Pharmacology Public Health Social Sciences Other

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Strategi Promosi Pembiayaan Murabahah Bank Syariah di Indonesia M. Miftahur Rahmat Isnaini; Siti Sofiah Rahmawati; Muhamad Zen; Fatmawati Fatmawati
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 2 No. 3 (2024): Juli : MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v2i3.889

Abstract

Murabahah Finance is one of the sharia bank financing products that is in great demand by customers because Murabahah adheres to the principle of buying and selling which is not too risky. Sharia banks are expected to increase public confidence in Murabahah products. To build this trust, a promotional strategy is needed. The method used in this research is a literature study, by collecting data from various sources such as academic journals, books and research reports related to murabahah. The results of the analysis show that the promotion strategy for murabahah financing of Islamic banks in Indonesia can be divided into several aspects, including direct marketing, marketing through mass media and online, as well as partnerships with other financial institutions, Sharia Banks in Indonesia and promotional strategies. Promotional strategies play an important role in marketing Islamic bank murabahah financing in Indonesia. By implementing appropriate promotional strategies, Islamic banks can increase public awareness, expand market share, and gain a competitive advantage in the Islamic banking industry.
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.
PENERAPAN FIQH JUAL BELI DAN TRANSAKSI DI MEDIA SOSIAL Siti Trizuwani; Muhamad Zen
HUMANITIS: Jurnal Homaniora, Sosial dan Bisnis Vol. 2 No. 8 (2025): HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis
Publisher : ADISAM PUBLISHER

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Abstract

This research aims to analyze the buying and selling processes occurring on social media from the perspective of contemporary fiqh muamalah. The method used is library research approach to examine issues related to transactions on social media. The author also applies Islamic law to determine the legal ruling on buying and selling through social media. The problem addressed in this study concerns transactions conducted online via social media. Although online transactions make buying and selling easier, it cannot be denied that they also have their drawbacks. The findings of this research indicate that contemporary transactions are no longer reliant on face-to-face interactions but have evolved with the rise of online buying and selling
BRAND TRUST DAN LOYALITAS NASABAH MUSLIM DALAM PENGUATAN EKONOMI UMAT MELALUI STRATEGI PEMASARAN BRAND MUAMALAT Mohammad Fahmy Bin Rapaee; Muhamad zen; Fatmawati
Integrative Perspectives of Social and Science Journal Vol. 3 No. 05 Mei (2026): Integrative Perspectives of Social and Science Journal
Publisher : PT Wahana Global Education

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Abstract

Penelitian ini mengkaji bagaimana kepercayaan terhadap merek (brand trust) dan pendekatan relationship marketing memengaruhi loyalitas nasabah Muslim serta implikasinya terhadap penguatan ekonomi umat. Dalam lanskap perbankan syariah, kepercayaan tidak hanya bersandar pada kinerja layanan, tetapi juga pada kesesuaian dengan nilai-nilai syariah (Amin et al., 2013). Studi ini menggunakan pendekatan studi literatur dengan analisis konseptual. Temuan menunjukkan bahwa brand trust berperan dominan dalam membentuk loyalitas, sementara relationship marketing memperkuat keterikatan jangka panjang antara nasabah dan bank (Morgan & Hunt, 1994). Loyalitas yang terbentuk berdampak pada stabilitas dana serta peningkatan kontribusi terhadap sektor ekonomi produktif umat.
Keunggulan Kompetitif Media Digital Republika Analisis Porter dalam Dakwah Bil Kitabah dan Ekonomi Umat Sa’idahtul Akmala Yusuf; Muhamad Zen; Fatmawati
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 3 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i3.6361

Abstract

Perkembangan media digital telah mengubah cara penyampaian informasi dan dakwah Islam secara fundamental. Penelitian ini bertujuan untuk menganalisis bagaimana media digital Republika membangun keunggulan kompetitif dalam mengoptimalkan dakwah bil kitabah serta perannya dalam pemberdayaan ekonomi umat. Menggunakan metode studi pustaka (library research) dengan pendekatan kualitatif deskriptif, penelitian ini menemukan bahwa keunggulan kompetitif dibangun melalui strategi diferensiasi berbasis nilai Islam, fokus pada audiens Muslim, serta integrasi teknologi Artificial Intelligence (AI) dan Big Data. Hasil penelitian menunjukkan bahwa dakwah bil kitabah di era digital bertransformasi menjadi konten yang interaktif dan adaptif, sementara pemberdayaan ekonomi umat diwujudkan melalui penguatan ekosistem filantropi Islam seperti zakat dan wakaf produktif serta dukungan nyata terhadap UMKM. Penelitian ini menegaskan bahwa media Islam mampu menyinergikan teori manajemen Barat dengan misi dakwah untuk menciptakan resiliensi ekonomi dan kesadaran beragama yang kokoh di tengah arus transformasi digital.
Model Brand Dakwah Moderat Digital Dalam Penguatan Ekonomi Umat: Studi Kasus MUI Dan ADDAI Sofian; Muhamad Zen; Fatmawati
Jurnal QOSIM : Jurnal Pendidikan, Sosial & Humaniora Vol 4 No 3 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/jq.v4i3.6452

Abstract

Penelitian ini mengkaji Model Brand Dakwah Moderat Digital sebagai strategi inovatif dalam penguatan ekonomi umat Islam di Indonesia. Di tengah disrupsi digital yang mempercepat penyebaran narasi ekstrem sekaligus membuka peluang pemberdayaan, MUI dan ADDAI (Asosiasi Dai-Daiyah Indonesia) menjadi aktor strategis yang mengintegrasikan nilai wasathiyah dengan pendekatan branding modern. Penelitian bertujuan menganalisis model brand dakwah moderat digital kedua lembaga serta kontribusinya terhadap peningkatan literasi ekonomi syariah, pertumbuhan UMKM halal, dan pembentukan ekosistem ekonomi umat yang berkelanjutan. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus ganda (multiple case study). Data sekunder diperoleh dari studi literatur. Analisis data dilakukan dengan model Miles, Huberman, dan Saldaña melalui reduksi data, penyajian data, dan penarikan kesimpulan, dengan teknik triangulasi untuk menjamin keabsahan. Hasil penelitian menunjukkan bahwa MUI menerapkan model institusional-top down dengan kekuatan standardisasi konten, otoritas nasional, dan integrasi kebijakan ekonomi skala besar. Sementara ADDAI mengembangkan model komunitas-bottom up yang menonjolkan peran dai muda bersertifikat (CDAI) sebagai brand ambassador moderat dan solutif. Sinergi kedua model menghasilkan brand equity dakwah yang kuat, ditandai dengan peningkatan kesadaran umat terhadap ekonomi syariah, pertumbuhan partisipasi UMKM halal, serta penurunan narasi ekstrem di ruang digital. Penelitian ini menyimpulkan bahwa integrasi Brand Identity System Aaker dengan prinsip wasathiyah Qardhawi mampu menciptakan model dakwah moderat digital yang adaptif dan berdampak ekonomi. Model ini menawarkan implikasi penting bagi transformasi dakwah di era Society 5.0, yaitu dari dakwah ritual menuju dakwah transformatif yang mendukung kemandirian dan keadilan ekonomi umat.
REVITALISASI KONSEP BAI’ AL-MURABAHAH DALAM PERBANKAN SYARIAH: ANALISIS FIQIH KLASIK DAN TANTANGAN KONTEMPORER ARVAN SANDIKA; MUHAMAD ZEN
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 10, No 2 (2025): Juli - Desember 2025
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v10i2.2068

Abstract

IJARAH AND THE SHARING ECONOMY: A FIQH AL-MUAMALAT PERSPECTIVE ON THE PHENOMENON OF DIGITAL RENTALS IN THE PLATFORM ERA Dida Novandika; Muhamad Zen
J-MD Jurnal Manajemen Dakwah Vol. 6 No. 1 (2025): JMD
Publisher : Program Studi Manajemen Dakwah, FUAD, IAIN Pontianak

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Abstract

This study examines the application of the ijarah contract within the digital sharing economy, focusing on platforms such as Gojek, Grab, and Airbnb. Employing a systematic literature review and qualitative content analysis, the research investigates academic literature, DSN-MUI fatwas, Financial Services Authority (OJK) regulations, and normative principles of the Qur’an. The findings indicate that the ijarah contract remains relevant in digital economic practices but faces critical challenges, including uncertainty (gharar), information transparency, and consumer protection. The variant Ijarah Muntahiyah bi al-Tamlik (IMBT) is considered more adaptive for long-term digital transactions, as it provides ownership certainty at the end of the contract. DSN-MUI Fatwas No. 112/2017 and No. 117/2018 offer normative legitimacy, while OJK regulations strengthen legal certainty, transparency, and consumer protection. Contemporary research (Muhamad Zen, 2021; 2022) further highlights the importance of clear objects, pricing, duration, and dispute resolution mechanisms. These results are consistent with the Qur’anic principle in Q.S. Al-Qaṣaṣ [28]:26, emphasizing al-quwwah (competence) and al-amānah (trustworthiness) as ethical foundations. This study contributes to the development of contemporary fiqh muamalah by integrating classical theory, fatwas, regulations, and digital practices. Practical implications include strengthening contract transparency in digital platforms, designing Sharia-compliant tax regulations, and improving consumer protection mechanisms.
 Omnichannel Marketing dan Daya Saing Bank Perekonomian Rakyat Syariah (BPRS) Pendekatan Integrated Marketing Strategy di Era Digital Rahmat Ramadan; Muhamad Zen; Fatmawati Fatmawati
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Article in Press
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/t09x3z26

Abstract

Bank Perekonomian Rakyat Syariah (BPRS) faces intensifying competitive pressures in the era of digital transformation, competing with Islamic commercial banks, fintech companies, and digital financial platforms. This article examines how an omnichannel marketing strategy within an Integrated Marketing Strategy (IMS) framework can strengthen BPRS competitiveness while accelerating the economic growth of Muslims in Indonesia. The study uses a Systematic Literature Review (SLR) method based on the PRISMA protocol for 25 selected articles from 87 identified through Google Scholar, Scopus, and the accredited SINTA portal ranked 1–3, with a publication period of 2022–2025. Selection was based on thematic relevance, methodological quality, and full-text accessibility. The study results show that the synergistic integration of physical, digital, and community channels can increase service reach, customer loyalty, and market penetration in the Muslim segment. The novelty of this research lies in the construction of a three-layer omnichannel model that is contextual-sharia and has not been formulated in previous literature, with maqashid sharia as the normative evaluative standard that distinguishes this approach from conventional IMS models. OJK regulations through the 2024–2027 RP2B Roadmap and the 2023 P2SK Law have created momentum for the digital transformation of BPRS, which requires a response with an integrated, technology-based marketing strategy.
Modernization of Islamic Philanthropy: Analysis of The Business Model Canvas of Rumah Zakat in the Era of Digitalization Nurul Alvi Chindi Fadhilah; Muhamad Zen; Fatmawati
Mabny: Journal of Sharia Management and Business Vol. 6 No. 1 (2026): Mabny : Journal of Sharia Management and Business (On Process)
Publisher : Faculty of Islamic Economics and Business, Madura Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/mabny.v6i1.24601

Abstract

Abstract Purpose – This Study Analyzes the transformation of Rumah Zakat’s digital business model through the Business Model Canvas (BMC) framework in the era of digitalization. Methodology – This research method uses a qualitative approach through document analysis (literature study) on various scientific literature, performance reports, websites, as well as internal analysis drafts regarding Rumah Zakat that have been published. Findings – Rumah Zakat achieved a governance score of 0.84 and a distribution effectiveness of 91.31%. although digital infrastructure invesment triggered fundraising costs of 108.95%, this system managed to maintain donor retention at 88%. Implications – System automation is required to reduce high operational costs while still maintaining Sharia compliance and the humanistic aspect of service. Originality – A cutting-edge strategic evaluation (up to 2026) of the digital transformation of zakat instituitions that integrates the BMC framework with the principles of Maqasid Sharia.
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 Efrizal, Tegar Eko Prabowo, Eko Fadhilla, Indah Fahmi, M. Fahmi Ashari Fatkhullah, Imam Fatmawati Fatmawati - Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati, Fatmawati Fitrah Amaliah Hasibuan Handayani, Nur Annisa Tri Harahap, Maratua Hasonangan Hari Risky Syahputra Heny May Widiyawati Huzzatul Fikriyah Ibnu Apriani Idawati ISTIANAH Kahfi, Al Laeli, Azah Nur M Gustar Umam M Zein Ramadhan Rifa’I 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 Nufus, Siti Hayati Nuha, Nuha Nabila Aswari Nur Khikmah 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 Rubiyanah Sabirin, Yoga Basyiril Sa’idahtul Akmala Yusuf Sembiring, Muhammad Rifaldi Syahputra Shabri, Nabilla Aulia Siti Sofiah Rahmawati Siti Sofiah Rahmawati Siti Trizuwani Siti Trizuwani Sofian Syahrizal Syihabudin, Zakaria Syuhudi, Irfan Ummi Sa’adah Wahidin Wali, Ahmad Mutawalli Nasution Wirianisa, Syifani Wisnu Nugraha Yoga Agus Yulianto Yusrin, Erlin Annisa Yuzril Mahendra Zahira, Hasna Zen, Fatmawati