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All Journal Jurnal Siasat Bisnis Jurnal Ekonomi Kuantitatif Terapan Jurnal Penelitian Pendidikan Guru Sekolah Dasar Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Gadjah Mada International Journal of Business Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Kubik Jurnal Ekonomi Syariah Teori dan Terapan Al-Ihkam: Jurnal Hukum dan Pranata Sosial Global Review of Islamic Economics and Business Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal Economica: Jurnal Ekonomi Islam al-Uqud : Journal of Islamic Economics Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam AFEBI Islamic Finance and Economic Review Muqtasid: Jurnal Ekonomi dan Perbankan Syariah MALIA Journal of Innovation in Business and Economics Amwaluna Jurnal Ekonomi dan Keuangan Syariah Journal of Islamic Monetary Economics and Finance PREPOTIF : Jurnal Kesehatan Masyarakat SEMAR KUBIK: Jurnal Publikasi Ilmiah Matematika Share: Jurnal Ekonomi dan Keuangan Islam BISMA (Bisnis dan Manajemen) Journal of Islamic Economic Literatures International Journal of Waqf Review on Islamic Accounting Islamic Social Finance Jurnal Riset Mahasiswa Matematika Islamic Economics Methodology Jurnal Abdimas Jatibara Fara'id and Wealth Management Maqasid al-Shariah Review Management and Sustainability Accounting and Sustainability Business and Sustainability IEFBR: Islamic Economics, Finance, and Banking Review Journal of Research on Community Engagement
Nisful Laila
Faculty Of Economic And Business, Airlangga University
Religion Humanities 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 Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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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.
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

Abstract

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 in Islamic Banking: Global Insights from a Systematic Review Fahamsyah, Mohammad Hatta; Laila, Nisful; Rakhmat, Adrianna Syariefur; Shabbir, Malik Shahzad
Economica: Jurnal Ekonomi Islam Vol. 14 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.2.26021

Abstract

Islamic banking emerged as a response to the limitations of interest-based financial systems, offering alternative models rooted in Shariah principles—chief among them the profit-and-loss sharing (PLS) mechanism. This study re-examines the implementation of PLS in Islamic banks, identifying key challenges and outlining directions for future research within the framework of Shariah-compliant financial practices. Employing a systematic literature review of Scopus-indexed journal articles, the study compares theoretical foundations and empirical evidence surrounding PLS applications in contemporary Islamic banking. Findings indicate that PLS practices remain only partially aligned with Shariah principles, constrained by insufficient regulatory oversight, heightened credit risk, and moral hazard concerns. The study also identifies critical gaps in community awareness and operational management, underscoring the need for product innovation, stronger governance structures, and targeted educational initiatives. These insights point to three strategic priorities for stakeholders: enhancing governance to mitigate moral hazards, integrating macroeconomic policy support to improve PLS scalability, and expanding public education to close knowledge gaps. Together, these measures can support a more sustainable, equitable, and competitive Islamic banking sector.
Comparative Study of Regulations, Governance, Management, and Innovation Models in the Development of Muhammadiyah Waqf with Malaysia and Brunei Darussalam Setiyowati, Arin; Laila, Nisful; Sukmana, Raditya; Salsabilla, Salma Nadia
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 21 No. 1: June 2025
Publisher : Fakultas Agama Islam, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v21i1.26343

Abstract

This study presents a comparative analysis of waqf regulation, governance, management, and innovation in Muhammadiyah (Indonesia), Malaysia, and Brunei Darussalam. The aim is to identify similarities and differences in their waqf systems and evaluate how governance and innovation impact community welfare. A qualitative library research approach was used, focusing on waqf-related regulations, management structures, and asset development strategies. Muhammadiyah manages waqf independently through internal institutional policies, guided by Law No. 41 of 2004. In Malaysia, waqf is regulated by the State Islamic Religious Councils (Majlis Agama Islam Negeri, MAIN), which promote corporate-based management such as property development and Sharia-compliant investments, exemplified by the Selangor Waqf Corporation (Perbadanan Wakaf Selangor, PWS). Brunei Darussalam centralizes waqf under the Ministry of Religious Affairs (Kementerian Hal Ehwal Ugama, KHEU), with strict regulations and strong state support for Islamic economic empowerment. In terms of innovation, Malaysia demonstrates a more advanced corporate waqf model with productive asset management, while Brunei prioritizes centralized stability. Muhammadiyah continues to adopt new models such as cash waqf and Islamic investments, though improvement is still needed in professional asset governance and transparency. This research introduces a novel comparative framework by analyzing multi-country waqf governance and applying the concept of Good Waqf Governance, including transparency, accountability, and efficiency. Unlike previous studies that examined isolated cases, this paper maps cross-national governance strategies and their socio-economic outcomes. Furthermore, it highlights Malaysia’s and Brunei’s potential as models for Muhammadiyah’s reform. One key recommendation is to integrate Malaysia’s corporate waqf framework into Muhammadiyah’s waqf strategy to enhance long-term sustainability and economic returns. The study contributes to the discourse on Islamic philanthropy by offering scalable strategies for revitalizing waqf institutions in the Muslim world.
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

Abstract

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

Abstract

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

Abstract

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
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 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 Nasih M. Fikri Himmawan M. Madyan Madyan, Muhammad 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 Persada, Satria Fadil 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 Salsabilla, Salma Nadia Setiyowati, Arin 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 Ulfa, Anis Maria Vega Zahrah Narendra Duhita WAHYU SUKARTININGSIH Wijaya, Ulfia Imelda Windasari, Nila Armelia Yatoo, Nissar Ahmad Yulita Widya Afiqah