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Pendampingan Pemanfaatan Digital Branding dan Marketing untuk Pemasaran Hasil Panen Buah dan Bunga di Desa Bulukerto Kota Batu Nisfulaila, Intan; Bisriyah, Maslihatul; Jayanti, Septia Dwi
JRCE (Journal of Research on Community Engagement) Vol 4, No 2 (2023): Journal of Research on Community Engagement
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/jrce.v4i2.17835

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The Covid-19 pandemic and the flash flood disaster in the end of 2021 affected the income of fruit and flower farmers in Bulukerto Village, Bumiaji District, Batu City. The focus of this community research is to assist groups of farmers in Bulukerto Village through workshops related to digital branding and marketing. The workshop activities include discussing together and sharing experience so that farmer groups get education and insight to be able to maintain and even increase their income using digital media. The workshop also conducted  through online discussion, monitoring, and evaluation activities by using WhatsApp group. The results of the series of activities are in the form of real steps by farmer groups to create unique and attractive brands of harvested products which are then marketed independently through platforms provided by social media.
Profit Loss Sharing Problemsin the Banking Industry in Indonesia Fahamsyah, Mohammad Hatta; Zaki, Irham; Laila, Nisful; Shahzad Shabbir, Malik
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6247

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Introduction: This systematic literature review provides an overview of profit and loss sharing (PLS) in the Indonesian Islamic banking industry. The study aims to identify the development of Islamic banking, as well as the challenge and opportunities of PLS products and services in Islamic banking Methods: This research utilizes a systematic literature review methodology employing a qualitative approach, using databases, including SINTA and Google Scholar, to identify relevant articles and studies. A total of 609 journal articles were initially identified. Results: The findings of the study indicate that the Indonesian Islamic banking industry has experienced significant growth in recent years. However, the market share of Islamic banks in Indonesia is still relatively small compared to conventional banks. The development of PLS products and services has been a key factor in this growth Conclusion and suggestion: The study concludes that PLS is an important feature of Islamic banking and has numerous opportunities to be targeted. Meanwhile, PLS Scheme has challenges and negative potential for Indonesian Islamic banking. Hence, because of this negative potential, high risk, and competitiveness issue. However, Further investigation is warranted to delve into empirical research studies that examine the potential of profit and loss sharing as well as revenue sharing mechanisms within Islamic banking, along with their implications for the Indonesian economy.
The Potential Role of Qard Hasan Based Baitul Maal Wa Tamwil in Realizing Financial Inclusion Rohman, Pupun Saepul; Fianto, Bayu Arie; Laila, Nisful; Ascarya, Ascarya
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.7608

Abstract

This study aims to describe the potential role of the qard hasan-based Baitul Maal wa Tamwil (BMT) in achieving financial inclusion. This article uses a literature study approach accompanied by a case study. This study concludes that financial inclusion in society is very likely to be realized by the practice of the qard hasan contract at BMT. The implications of this research can be useful for policy makers related to BMT and Islamic microfinance more broadly. This can help policy makers and regulators understand the challenges and opportunities in supporting and promoting financial inclusion through BMTs.
Macroeconomic Factors and Market Indicators Affecting Islamic Mortgage Financing in Indonesia Putri, Diana Clarisa Alya; Laila, Nisful
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 2 (2025): Mei-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20252pp125-140

Abstract

This study aims to analyze the influence of the BI Rate, Gross Domestic Product (GDP), Residential Property Price Index (RPPI), and Indonesia Sharia Stock Index (ISSI) on the mortgage financing of Islamic banks in Indonesia. The objective of this research is to provide recommendations for the government in formulating macroeconomic policies that facilitate public access to Islamic mortgage financing. This research employs a quantitative approach using the Autoregressive Distributed Lag (ARDL) method, processed with E-Views 12. Data were sourced from Islamic Banking Statistics by OJK, Bank Indonesia, Kemendagri, BPS, and CEIC for the 2014-2024 period. The findings indicate that in the short term, the BI Rate and GDP have a significant positive influence, while RPPI has a significant negative influence on Islamic mortgage financing. Conversely, ISSI shows no significant influence in the short term. In the long term, only GDP has a significant positive impact on Islamic mortgage financing, whereas the BI Rate, RPPI, and ISSI exhibit no significant effects. These findings provide critical insights into the dynamics of macroeconomic variables affecting Islamic mortgage financing and their implications for economic policy formulation.
On the Forgotten Index and Jacobson Graphs Associated with Integer Rings Modulo n Jauhari, Mohammad Nafie; Jannah, Shahnaz Latifatul; Turmudi, Turmudi; Nisfulaila, Intan
KUBIK Vol 9 No 2 (2024): KUBIK: Jurnal Publikasi Ilmiah Matematika
Publisher : Jurusan Matematika, Fakultas Sains dan Teknologi, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/kubik.v9i2.39585

Abstract

This paper investigates the connections between the Jacobson graph and the algebraic properties of rings through the analysis of the Jacobson graph of the ring \mathbb{Z}_{3p}, where p is a prime number greater than 3. The Jacobson graph of a commutative ring R is constructed by taking the elements of R, excluding its Jacobson Radical, as vertices, and connecting two distinct vertices if 1 minus their product is not a unit in R. The F-Index is utilized to capture and represent the structural properties of the ring through its associated graph. A detailed examination of the Jacobson Radical, maximal ideals, and vertex degrees in \mathbb{Z}_{3p} leads to the calculation of the F-Index, providing insights into the graph’s connectivity and underlying algebraic structure. This study contributes to the intersection of algebra and graph theory, offering a foundation for further research into more complex algebraic structures.
Optimizing Capital Management in Baitul Maal wat Tamwil: Issues and Approaches Rohman, Pupun Saepul; Laila, Nisful; Fianto, Bayu Arie; Ascarya, Ascarya; Rusydiana, Aam Slamet
Economica: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2024.15.1.20131

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Baitul Maal wat Tamwil (BMT) is a microfinance institution operating under Sharia principles, integrating social welfare and commercial finance to promote poverty alleviation and economic empowerment. Despite its potential, BMTs face significant capital challenges that hinder their sustainability and impact. This study explores these challenges using a qualitative methodology with a literature review approach. Six key issues are identified: (1) limited capital from low member savings, (2) inadequate accumulation of social funds, (3) mismatch between available funds and customer needs, (4) reliance on external funding, (5) low business volume, and (6) weak integration between the social (Baitul Maal) and commercial (Baitul Tamwil) functions. These issues restrict BMTs from fully achieving their financial inclusion and social welfare objectives. To address these challenges, the study suggests optimizing low-cost funds, managing cash waqf, strengthening Baitul Maal, collaborating with zakat institutions, and integrating Islamic social finance with commercial operations. Additionally, increasing principal and mandatory savings is recommended to improve capital stability. Resolving these issues is essential for enhancing BMTs' role in poverty alleviation and ensuring their long-term sustainability and effectiveness within the Islamic finance framework.
MEASURING THE EFFICIENCY OF WAQF FUND IN INDONESIA Rusydiana, Aam Slamet; Sukmana, Raditya; Laila, Nisful
Journal of Islamic Monetary Economics and Finance Vol. 8 (2022): Special Issue: Islamic Social Finance
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v8i0.1650

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This research measures the efficiency of waqf funds managed by philanthropic institutions in Indonesia using the Data Envelopment Analysis (DEA) approach over the 2013-2021 period. The unit of analysis consists of nine philanthropic waqf institutions. In the measurement of efficiency, the study takes human resource expenses and operational costs as inputs and collection and distribution of waqf funds as outputs. The findings indicate that the efficiency of philanthropic organizations in handling waqf funds varies from year to year between 2013 and 2021. The paper also notes that the Covid pandemic has no substantial impact on the efficiency of the waqf institutions. Interestingly, regional institution clusters are more efficient than mass organization and national institution clusters. Acknowledgment The authors would like to thank the Faculty of Economics and Business, Airlangga University, Indonesia, for the support that made this study possible
Unlocking the synergy between intellectual capital and cost efficiency in Islamic bank Hadi, T. Saipul; Laila, Nisful; Yatoo, Nissar Ahmad
Jurnal Ekonomi & Keuangan Islam Volume 10 No. 2, July 2024
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol10.iss2.art1

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Purpose – This study examines the contribution of intellectual capital (IC) to Islamic banks’ cost efficiency.Methodology – The data envelopment analysis (DEA) method uses an intermediation approach to measure the cost efficiency of Islamic banks and modified value-added intellectual capital (MVAIC) as a measurement of IC. The sample of this research comprises 11 Islamic commercial banks registered with the financial services authority (Otoritas Jasa Keuangan, OJK) and operating from to 2014-2023. This research method uses the system generalized method of moments (SGMM) regression to analyze the impact of IC on the cost efficiency of Islamic banks. Findings – The results showed that IC positively affects the cost efficiency of Islamic banks in Indonesia. Another finding is that human capital (HC) contributes significantly to improving the cost efficiency of Islamic banks. structural capital (SC), capital employed (CE), and relational capital (RC) do not affect the cost efficiency of Islamic banks.Implications – This research implies that Islamic banks can determine which IC components require additional investment to improve efficiency and provide future Islamic banking performance-oriented towards new technology.Originality – This study seeks to fill the gap in previous research by analyzing the impact of IC and its components on the cost efficiency of Islamic banks.
Global Islamic Banking Development: A Review and Bibliometric Analysis Using R-Biblioshiny Application Fahamsyah, Mohammad Hatta; Mawardi, Imron; Laila, Nisful; Shabbir, Malik Shahzad
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 14, No 1 (2023): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v14i1.69-92

Abstract

Islamic banking refers to a banking system that operates based on the principles of Islamic law and Sharia. The bank is guided by Islamic economics and follows specific guidelines and principles that differentiate it from the conventional banking system. The aim of this article is to provide insight into the extensive bibliometric literature on Islamic banking globally. The method used in this study is a bibliometric analysis of the literature collected in 2014 to 2023 from Scopus database,te sample of the study is 69 of the 317 publications. This research classifies and visualizes them using R-Biblioshiny software. Overall, this review provides an appropriate reference point for further research on 'Islamic Banking Globally'. The results of the bibliometric analysis reveal that the research focuses mainly on ”Islamic” and “Bank”. The findings of this research show that Islamic banking globally has experienced a significant trend in the last 9 years and to be of significant interest for discussion and research. Notably, the density visualization analysis, which involves measuring the co-occurrence network of keyword pairs reveals a compelling trend, thus indicating that this research theme is still interesting to research today. However, further research is needed in more detail considering the increasing development of Islam.
Developing Green Waqf Model for Environmental Issues Rusydiana, Aam Slamet; Sukmana, Raditya; Laila, Nisful
Islamic Economics Methodology Vol. 2 No. 2 (2023): Islamic Economics Methodology
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/iem.v2i2.319

Abstract

The discussion on strengthening environmental issues for sustainable development is summarized in SDGs goal fifteen. On the other hand, waqf is an Islamic social fund instrument that has a sustainable nature and has relevance to SDGs, so it has the potential to be developed in its role in maintaining a more sustainable environment. This research seeks to look at waqf models that are relevant to the SDGs by prioritizing waqf models that can be implemented in Indonesia in line with SDGs goal 15 from the Maqasid al-Shariah perspective. Furthermore, this research proposes a model for realizing the 15th SDG goal, namely the preservation of terrestrial ecosystems based on waqf through a modified Green Waqf scheme
Co-Authors - Dewikarina A.A. Ketut Agung Cahyawan W Aam Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana, Aam Slamet Adrianna Syariefur Rakhmat Afifatun Ni’mah Afiqoh, Luluk Al Amiri Octadianto Al Marifatul A'la Al Mustofa, Muhammad Ubaidillah Ali, M. Mahbubi Ali, Mohammad Mahbubi Alin Nuhadilah Alissa Azmul Faoziyyah Annisa Aulia Safitri Annisa Ayusaleha Ari Widodo Arwani Arwani Ascarya Ascarya Aslan, Hakan Atina Shofawati, Atina Ayu Dwi Rukmana Aziza Hanifa Khairunnisa Bani Alkausar, Bani bayram, kamola Bayu Arie Fianto Belgiawan, Prawira Fajarindra Bin Mohd Dali, Nuradli Ridzwan Shah Bunga Aprigati Iskandar Chandra Ari Haryanto Chandra Ari Haryanto, Chandra Ari Choirum Miha Chorista Fitriani Dahayu Bethari Widyandri Desi Novera Danur Desi Sulfa Ningtias Dewi Karina, Dewi Dina Fitrisia Septiarini, Dina Fitrisia Doni Kurniawan Doni Kurniawan Dwi Wulan Ramadani Eka Puspa Dewi Eko Fajar Cahyono, David Kaluge Evania Herindar Fadlilatun Ni'mah Fahamsyah, Mohammad Hatta Fahamsyah, Mohammad Hatta Ferica, Michelle Filianti, Dian Fitria Nurma Sari Gianissa Pandu Islamy Gigih Prihantono Hadi, T. Saipul Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Herwindo Ghora Nidityo Herwindo Ghora Nidityo, Herwindo Ghora Hikmah Maulidiyah Ibrahim, Mochammad Malik Idzal Dwi Nantyah Imron Mawardi Indah Rahmawati Irham Zaki Islamy, Gianissa Pandu Ivani Ramadhanti Jannah, Shahnaz Latifatul Jayanti, Septia Dwi Kholidah, Himmatul KP Prabheesh Lia Auliah Rachmah M. Fikri Himmawan M. Madyan Malik Shahzad Shabbir Martien Rachmawati Martien Rachmawati, Martien Maslihatul Bisriyah Maulida, Syahdatul Mayangsari, Lidia Meidina Ana Ogie Moh. Nasih Mohammad Nafie Jauhari Muhammad Madyan, Muhammad Nadia Amalia Latifah Nia Fajriyatun Nadlifiyah Nikmatul Atiya Noven Suprayogi, Noven Nurul Huda Puji Sucia Sukmaningrum Pupun Saepul Rohman Puspita Sari, Ika Putri, Diana Clarisa Alya Raditya Sukmana Ramadhanti, Ivani Rani, Lina Nugraha Reza Ashari Nasution Rolista Dwi Oktavia Rosalia Debby Endrianti Rusmita, Sylva Alif Satria Fadil Persada Shabbir, Malik Shahzad Shafana Putri Sambas Shahzad Shabbir, Malik Sherrindra Avedta Siti Nur Ro'ikayah Siti Zulaikah Siti Zulva Rafika Sri Herianingrum Sri Yayu Ninglasari Sudana Sudana Sulistya Rusgianto Tika Widiastuti Turmudi Vega Zahrah Narendra Duhita WAHYU SUKARTININGSIH Wijaya, Ulfia Imelda Windasari, Nila Armelia Yatoo, Nissar Ahmad Yulita Widya Afiqah