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p-Index From 2021 - 2026
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All Journal Akademika International Journal of Economics and Management Research
Mugiyati Mugiyati
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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PERILAKU KONSUMSI MAHASANTRI DALAM PERSPEKTIF EKONOMI ISLAM (Studi Kasus Di Pondok Pesantren Fadllillah Waru Sidoarjo Dan Al-Jihad Wonocolo Surabaya) Achmad Fageh; Elnisa Salicha; Mugiyati Mugiyati
Akademika Vol 16, No 1 (2022): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v16i1.716

Abstract

Penelitian ini bertujuan untuk mendeskripsikan perilaku konsumsi Mahasantri  Pondok Pesantren Fadllillah Waru Sidoarjo dan Al-Jihad Wonocolo Surabaya dengan analisis  perspektif ekonomi Islam. Penelitian ini menggunakan pendekatan studi komparatif dengan jenis penelitian kualitatif. Sumber data diperoleh melalui observasi, wawancara, dan dokumentasi. Informannya adalah Ketua Yayasan, Pengurus Pondok, serta Mahasantri. Teknik pengolahan data dilakukan melalui editing, organizing, dan analyzing. Sedangkan untuk menguji keabsahan data melalui triangulasi. Dalam penelitian ini ditemukan bahwa Perilaku konsumsi Mahasantri Fadllillah dan Al-Jihad masih banyak yang belum mampu menempatkan sesuai dengan kebutuhannya, hal ini dikarenakan masih banyak terdapat Mahasantri yang berperilaku konsumtif, yakni masih mengedepankan selera keinginan mereka dalam berkonsumsi. 
Financing Management Paradigm in Islamic Commercial Banks : A Theoretical and Practical Review Abdillah Qadry Azizi; Mugiyati Mugiyati
International Journal of Economics and Management Research Vol. 4 No. 3 (2025): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i3.453

Abstract

The financing management paradigm in Islamic commercial banks is an important foundation in the Islamic financial system that emphasizes justice, transparency, and usefulness. This study aims to examine how this paradigm is applied in the practice of financing management in Islamic banks, as well as the challenges and innovations it faces. Using a qualitative approach through literature study, this study found that the sharia paradigm in financing not only avoids usury, but also encourages productive partnerships and strengthening the people's economy through sharia-compliant contract principles. Various forms of financing such as murabahah, musyarakah, and ijarah are implemented with a strict risk management approach. On the other hand, challenges arise such as limited public understanding of sharia contracts, weaknesses in the control of property rights in murabahah, and inconsistencies in practices with DSN-MUI fatwas. Financing innovations, such as sharia credit cards and blockchain-based digitalization, are important solutions, but still require regulatory support and increased sharia financial literacy. The results of this study indicate the importance of a balance between managerial efficiency and sharia compliance in the financing management paradigm of Islamic banks.
Co-Authors Abdillah Qadry Azizi Achmad Fageh Elnisa Salicha