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All Journal Jurnal Ekonomi Syariah Teori dan Terapan An-Nuha : Jurnal Kajian Islam, Pendidikan, Budaya Dan Sosial FIKRI : Jurnal Kajian Agama, Sosial dan Budaya Iqtishoduna: Jurnal Ekonomi Islam LOYALITAS: Jurnal Pengabdian Kepada Masyarakat El-Wasathiya: Jurnal Studi Agama At-Tasharruf : Jurnal Kajian Ekonomi dan Bisnis Syariah IJABAH: Indonesian Journal of Sharia Economics Business and Halal Studies
umi cholifah
Universitas Jember, Indonesia
Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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MEMBUMIKAN QATH’I DAN ZHANNI (Konsep Absolut dan Relativitas Hukum) Cholifah, Umi
AN-NUHA: Jurnal Kajian Islam, Pendidikan, Budaya dan Sosial Vol 4 No 2 (2017): Desember
Publisher : LP2M Sekolah Tinggi Agama Islam (STAI) Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (660.753 KB)

Abstract

The problematic society today is very complex when compared with the past. Therefore, it is important to emphasize the Qur'an and the Hadith. Thus, the textual dominance of the two sources is still very strong as any other method of reasoning used. In the study of qath'i and zanni for example, both of them have a purpose to facilitate the classification of the text of Al'Qur'an and Hadith. But this makes the meaning both narrow. Through descriptive normative research methods, the authors describe qath'i and zhanni from some literatures. And then followed by a description of the absolute concept and the relativity of the law, from classical and modern understanding. The result of this research is known that the conceptually the application both of it is different. Qath'i in the the Qur'an concerns the aspect of his arrival of the source / al-wurud truth so that in the Zhanni level only concerns the meaning aspect of the legal content, but in the Hadith, these two aspects are included in the study of Qath'i and Zhanni. In addition, the study of qath'i and zhanni is still very helpful in solving contemporary cases with a record of development in understanding. This is because the concept of qath'i and zhanni is not a method of ijtihad but is a study of ijtihad
ISLAM IN DIGITAL AGE: THE APPLICATION OF MAQĀSID AS-SYARI’AH ON DIGITAL ZAKAT umi cholifah
Fikri : Jurnal Kajian Agama, Sosial dan Budaya Vol 4 No 1 (2019): Fikri : Jurnal Kajian Agama, Sosial dan Budaya
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/jf.v4i1.445

Abstract

The digital era is utilized by many institutions in facilitating consumers to transact. One of them is transaction for zakat. However, zakat is a worship commanded by Allah. Then, the use of digitizing zakat should also be submissive and obedient to the rules established by Allah. On the other hand, in the Islamic rules there is something very important which can be used to approach contemporary issues comprehensively. It is also the objectives of Islamic law contained in each rule. It is namely maqāsid as-syari’ah. Through descriptive normative study, this paper will offer concepts of maqāsid as-syari’ah which can be applied in zakat on digital finance. Finally, this study aims to explore the concepts of legality and strengthening strategies for zakat on digital finance based on maqāsid as-syari’ah. The results of this study is some verses that have the basic word zakat are in the first reference to explore the legal content of zakat on digital finance. From the legal basis, it appears that in legal concept, the provisions that exist in zakat on digital finance must be in accordance with the rules of zakat in Islam. As for steps to strengthen zakat in terms of two aspects, there are the scope of legal objectives and the subject. Abstrak Era digital dimanfaatkan oleh banyak lembaga dalam memfasilitasi konsumen untuk bertransaksi. Salah satunya adalah transaksi zakat. Namun, zakat merupakan ibadah yang diperintahkan oleh Allah. Oleh karenaitu, penggunaan digitalisasi zakat juga harus tunduk dan patuh pada aturan yang ditetapkan oleh Allah. Di sisi lain, di dalam aturan Islam terdapat sesuatu yang sangat penting yang biasa digunakan untuk mendekati masalah kontemporer secara komprehensif. Hal ini juga merupakan suatu tujuan hukum Islam yang terkandung dalam setiap aturan, yang disebut dengan maqāsid as-syari'ah. Melalui studi normative deskriptif, tulisan ini menawarkan konsep maqāsid as-syari'ah yang dapat diterapkan dalam zakat pada keuangan digital. Akhirnya, penelitian ini bertujuan untuk mengeksplorasi konsep legalitas dan memperkuat strategi zakat pada keuangan digital berdasarkan maqāsid as-syari'ah. Adapun hasil dari penelitian ini adalah beberapa ayat yang memiliki kata dasar zakat ada dalam referensi pertama untuk mengeksplorasi konten hukum zakat pada keuangan digital. Dari dasar hukum, tampak bahwa dalam konsep hukum, ketentuan yang ada dalam zakat pada keuangan digital harus sesuai dengan aturan zakat dalam Islam. Adapun langkah-langkah untuk memperkuat zakat dalam dua aspek yaitu ruang lingkup tujuan hukum objek dan subjek.
Pengaruh Label Halal, Harga dan Beauty Vlogger Terhadap Keputusan Pembelian Produk Scarlett (Studi pada Masyarakat Eks Karesidenan Besuki) Arnis Budi Susanto; Umi Cholifah; Citra Imania
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol 4, No 2 (2022): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v4i2.8606

Abstract

Tujuan penelitian ini adalah untuk mengetahui bagaimana pengaruh label halal, harga, dan strategi pemasaran menggunakan beauty vlogger terhadap keputusan pembelian produk Scarlett. Scarlett adalah salah satu brand lokal kecantikan ternama di Indonesia yang berdiri sejak tahun 2017. Tujuan penelitian ini adalah untuk menganalisis pengaruh label halal (X1), harga (X2), dan beauty vlogger (X3) terhadap keputusan pembelian produk Scarlett pada masyarakat eks Karesidenan Besuki. Sampel dalam penelitian ini adalah 349 responden yang merupakan masyarakat eks Karesidenan Besuki dengan ketentuan rentang usia 9-40 tahun dan telah melakukan pembelian produk Scarlett minimal 1 kali. Teknik sampling yang digunakan yaitu purposive sampling. Teknik analisis data dalam penelitian ini menggunakan metode regresi linear berganda. Hasil penelitian ini menunjukkan bahwa label halal (X1), harga (X2) dan beauty vlogger (X3) berpengaruh signifikan dan positif terhadap keputusan pembelian produk Scarlett pada masyarakat Eks Karesidenan Besuki. Hal ini dapat menjadi masukan bagi produk-produk lainnya untuk memenuhi 3 (tiga) komponen tersebut agar dapat diterima oleh masyarakat sebagaimana produk Scarlet.
Pembentukan "Klinik Halal" Dalam Upaya Mewujudkan Halal Industri di Indonesia 2024 Moh. Adenan; Umi Cholifah; Deasy Wulandari; N. Ari Subagio; Fajar Wahyu Prianto; Susanti Prasetiyaningtiyas; Ririn Irmadayani
LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2023): Mei 2023
Publisher : IAI Darussalam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/loyalitas.v6i1.2247

Abstract

The "Dosen Mengabdi di Desa" Program (Prosendi Desa) is conducted in Tegal Besar Village, Kaliwates District, Jember Regency, which has significant potential for the development of the halal industry towards Indonesia's Halal Industry 2024. The program aims to expedite halal certification for Micro, Small, and Medium Enterprises (MSMEs) by implementing a packaging house concept. The program utilizes the Participatory Rural Appraisal (PRA) approach, involving the collaboration of stakeholders such as government officials, MSME owners, and the Halal Center of UIN KHAS Jember. Through information dissemination, socialization, counseling, and direct assistance, MSME owners are guided in obtaining the necessary business legality in the form of a Business Identification Number (NIB) and Halal Certificate. The solution is divided into two phases. In the first year, efforts include issuing additional NIBs, establishing a "Halal Clinic" in the village, and conducting regular socialization and publications. In the second year, a guidebook for self-declaration halal certification, assistance in registering on sihalal.com, support for field verification and document revisions, and monitoring the certification process are provided. The expected contributions are in two phases. Firstly, by increasing the number of NIBs for MSMEs, the program aims to motivate business owners and bring added value to their activities. Secondly, the establishment of the Halal Clinic aligns with agency theory, addressing human nature, organizational aspects, and information needs. The program's ultimate goal is to ensure a significant number of MSMEs in Tegal Besar Village comply with mandatory halal certification requirements by the end of 2024. This initiative will not only enhance the halal industry but also promote awareness and compliance with halal standards among MSMEs, contributing to the broader goal of Indonesia's Halal Industry in 2024.
The Influence of Maqasid Shariah Index and Shariah Business Good Governance on the Profit Growth of Islamic Commercial Banks in Indonesia : - Zainuri; Umi Cholifah; Erika Ayu Pandini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 4 (2023): Juli-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20234pp415-426

Abstract

ABSTRACT This research aims to investigate the impact of Maqasid Shariah Index and Shariah business good governance on the profit growth of Islamic commercial banks in Indonesia during the period 2017 to 2021. The study employs a quantitative research method with the Panel Least Square (PLS) approach, and Lagrange Multiplier test is used to determine the appropriate regression model. The Common Effect Model (CEM) is found to be the best fit regression model. After conducting the Lagrange Multiplier test, the study proceeds to examine the classical assumptions. The research population consists of Islamic commercial banks registered with the Financial Services Authority during 2017-2021, and the sample includes those banks that have published financial reports and Shariah business good governance reports. The main finding of this research reveals a significant positive influence of Shariah business good governance on the profit growth of Islamic commercial banks. This indicates that the increased implementation of Shariah business good governance principles leads to a significant enhancement in profit growth. This study provides valuable insights for Islamic banks to reevaluate their business and financial governance systems to align with Islamic principles. Keywords: Maqasid Shariah Index, Shariah Business Good Governance, Islamic Commercial Banks, Profit Growth, Indonesia. ABSTRAK Penelitian ini bertujuan untuk menginvestigasi dampak Indeks Maqasid Syariah dan Good Governance Bisnis Syariah yang baik terhadap pertumbuhan laba bank umum syariah di Indonesia selama periode 2017 hingga 2021. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan Panel Least Square (PLS), dan uji Lagrange Multiplier digunakan untuk menentukan model regresi yang sesuai. Common Effect Model (CEM) terbukti menjadi model regresi yang terbaik. Setelah melakukan uji Lagrange Multiplier, penelitian ini melanjutkan dengan menguji asumsi-asumsi klasik. Populasi penelitian terdiri dari bank umum syariah yang terdaftar di Otoritas Jasa Keuangan selama periode 2017-2021, dan sampel penelitian mencakup bank-bank tersebut yang telah menerbitkan laporan keuangan dan laporan Good Governance Bisnis Syariah. Hasil utama dari penelitian ini mengungkapkan adanya pengaruh positif dan signifikan dari Good Governance Bisnis Syariah yang baik terhadap pertumbuhan laba bank umum syariah. Hal ini menunjukkan bahwa semakin bank umum syariah menerapkan prinsip-prinsip Good Governance Bisnis Syariah yang baik, maka pertumbuhan labanya akan meningkat secara signifikan. Penelitian ini memberikan wawasan yang berharga bagi bank-bank syariah untuk mengevaluasi kembali sistem Good Governance Bisnis Syariah dan keuangannya agar sejalan dengan prinsip-prinsip syariah. Kata Kunci: Indeks Maqasid Syariah, Good Governance Bisnis Syariah, Bank Umum Syariah, Pertumbuhan Laba, Indonesia.
The Impact of Religiosity, Discounts, and Cashback Toward Impulsive Purchases among Gen Z Consumers on Tokopedia: An Islamic Perspective Sukarno, Hari; Cholifah, Umi; Azzam, Naufal; Diniyya, Aulia Arifatu
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 1 (2024): April
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i1.2371

Abstract

The merger of Tokopedia has resulted in the introduction of new sales promotions and discounted prices, which act as triggers for impulsive purchases among Muslim consumers on the platform. This study aims to examine the impact of religiosity, discounts, and cashback on impulsive purchases on Tokopedia, with a specific focus on the Islamic perspective. The research approach method used in this study is a quantitative approach with an associative design, conducted as a field study on the Muslim community making purchases on Tokopedia. The sampling technique utilized the Hair formula, and 138 Muslim respondents were selected through Purposive Sampling in Jember Regency. Data collection was conducted through a questionnaire. The data analysis techniques employed included multiple regression analysis, t-test, and F-test. The research findings indicate that religiosity has a significant negative influence, while discounts and cashback have significant positive influences on impulsive purchases among Muslim communities in Jember Regency. From an Islamic standpoint, Muslim consumers in Jember Regency display high levels of religiosity and adopt a rationalist approach when making product decisions. The implication of the study shows that religiosity has a significant negative impact, while discounts and cashback have significant positive impacts on impulsive purchases among the Muslim community in Jember Regency. This indicates that these factors can influence the impulsive buying behavior of Muslim consumers on the Tokopedia platform.
The Urgency of Packaging Houses in Accelerating Halal Certification For MSMEs Products in Jember Regency Indonesia Mohammad Saleh; Umi Cholifah; Lusiana Ulfa Hardinawati; Suparman Suparman; Akhmad Munir
Fikri : Jurnal Kajian Agama, Sosial dan Budaya Vol. 8 No. 2 (2023): Fikri : Jurnal Kajian Agama, Sosial dan Budaya
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/jf.v8i2.4059

Abstract

This study focused on the crucial role of packaging houses in expediting halal certification, particularly for Micro, Small Medium Enterprises (MSMEs) in Jember Regency. The objectives include analyzing the impact of packaging house quality on the halal certification of MSMEs products, exploring the role of packaging houses in accelerating the certification process, and assessing the repercussions of halal certification on product competitiveness in the local market. Using a mixed-method approach, the authors employed an exploratory sequential design. Focus Group Discussions emphasize the significant role of halal certification, challenges in MSMEs certification, and the vital role of packaging houses in the Jember Regency. Proposed solutions involve decentralization, training for Juru Sembelih Halal (Juleha) ‘Halal Slaughterers’, and collaborative efforts. Survey results indicate that MSMEs recognize the importance of packaging houses in expediting halal certification. However, facilities, systems, and regulations related to certification require more attention. Discussions confirm data validity and the ordinal logistic regression model, highlighting the crucial role of packaging houses in enhancing MSMEs awareness through training. Validation and reliability tests confirm research credibility, with t-tests revealing variations in MSMEs perceptions based on location, business type, and education. Research findings highlight the significant impact of packaging house quality on the halal certification process for MSMEs products in Jember Regency. High-quality packaging houses assist MSMEs practitioners in meeting halal certification requirements, enhancing consumer trust. The role of packaging houses in expediting the halal certification process is crucial, serving as guides. Halal certification significantly enhances consumer trust, expands the market, increases product competitiveness, and strengthens brand image.
Optimalisasi Klinik Halal Untuk Legalitas Dan Sertifikasi Halal UMK: Prosendi Desa 2024 Adenan, Moh.; Cholifah, Umi; Wulandari, Deasy; Irmadariyani, Ririn; Subagio, Ari; Priyanto, Fajar; Prasetiyaningtiyas, Susanti
LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Vol. 8 No. 1 (2025): Mei 2025
Publisher : Universitas KH. Mukhtar Syafaat (UIMSYA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/loyalitas.v8i1.3949

Abstract

The Village Community Service Program (Prosendi Desa) enters its second year of implementation in 2024 in Tegal Besar Subdistrict, Kaliwates District, Jember Regency. The key issues addressed are the need for support for micro and small enterprises (MSEs) in urban areas to obtain business legality and halal certification, aimed at fostering the development of the halal industry in Indonesia. The objective of this program is to assist MSEs in obtaining a Business Identification Number (NIB) in the first year and halal certification in the second year. The method used is the Participatory Rural Appraisal (PRA) approach, involving socialization, counseling, and assistance. The implications of this program include the availability of a self-declare halal certification guidebook, comprehensive assistance for MSEs in the certification process, and the acceleration of halal certification compliance as targeted by the government. Additionally, the program increases the number of MSEs with NIBs and utilizes the Halal Clinic as an implementation of agency theory to support business development.
TAX AMNESTY PERSPEKTIF MAQĀSID SYARI’AH JASEER AUDA Cholifah, Umi
El-Wasathiya: Jurnal Studi Agama Vol. 6 No. 1 (2018)
Publisher : Sekolah Tinggi Agama Islam Nahdlatul Ulama Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3790.997 KB) | DOI: 10.5281/zenodo.3523113

Abstract

Abstrak: Kebijakan Tax Amnesty telah diterapkan di Indonesia sejaktahun 1964. Program ini kemudian diulang kembali pada tahun 1984,tahun 2007, tahun 2009, dan tahun 2016. Kebijakan tax amnesty initentu memiliki efek negatif dan positif. Salah satu dari segi negatifmisalnya, munculnya beberapa polemik seperti peningkatan jumlahwajib pajak tidak patuh. Namun di sisi lain, kebijakan ini dibutuhkanbaik untuk negara maupun wajib pajak itu sendiri. Lalu bagaimanaIslam berpandangan mengenai hal ini? Melalui penelitian yang bersifatnormatif yuridis, penelitian ini menelaah secara kritis kebijakan tersebutdengan teori maqāṣid syari’ah Jaseer Auda dari sudut pandang filosofisdan yuridis. Pendekatan sistem yang digunakan pada teori tersebutmemiliki lima point penting yakni validitas kognisi secara menyeluruh,holism, keterbukaan dan pembaruan diri, ushul fiqh multidimensional,hingga terakhir menuju maksud atau maqāṣid itu sendiri. Hasil kajianini menyimpulkan bahwa tax amnesty di Indonesia tidak bertentangandengan maqāṣid syari’ah yang digagas oleh Jaseer Auda. Hal inidisebabkan tax amnesty memiliki koherensi dengan unsur hifdzul mālyang kemudian berkesinambungan dengan bagian al-kulliyah al-khamsahlainnya, yakni hifdzul nasl, hifdzu diin, hifdzul ‘aqli, dan hifdzu nafs.Kata kunci: Pengampunan Pajak, Tax Amnesty, Pajak Islam, MaqāṣidSyari’ah.
Analisis Penerapan Marketing Mix Syariah Dalam Akad Rahn Tasjily Untuk Meningkatkan Jumlah Anggota Baitul Maal Wat Tamwil (Studi Kasus di BMT UGT Nusantara Cabang Pembantu Kencong) Vadilah, Lia Putri; Sulistyo, Agung Budi; Cholifah, Umi
IJABAH Vol. 2 No. 2 (2024): IJABAH
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ijabah.v2i2.774

Abstract

This research aims to explore more deeply the suitability of the application of the Rahn Tasjily concept in the BMT UGTN Capem Kencong with the DSN-MUI Fatwa and explore and analyze the application of Sharia Marketing Mix in the Rahn Tasjily contract in an effort to increase the number of members in the BMT UGTN Kencong sub-branch. This type of research uses a descriptive qualitative approach. Researchers used primary data obtained through interviews, observation and documentation. Data validity analysis uses triangulation techniques. The results of the research concluded that the concept of implementing the Rahn Tasjily contract at the BMT UGT Nusantara Kencong sub-branch was in accordance with the DSN-MUI fatwa Number 68/DSN-MUI/III/2008. BMT has actually implemented indicators in the 7P sharia marketing mix which consists of Product, Price, Place, Promotion, Process, People and Physical Evidence thus increasing Rahn Tasjily's membership in 2021 to around 529 members, while in 2022 it will be 628 members. There are also findings that BMT applies the Customer Centrism theory (consumer-oriented), which means that activities prioritize customers so that members become loyal to BMT.
Co-Authors Akhmad Munir Azzam, Naufal Citra Imania Deasy Wulandari Deasy Wulandari Diniyya, Aulia Arifatu Erika Ayu Pandini Fajar Wahyu Prianto Hanim Aghnini Hari Sukarno Istikomah Lusiana Ulfa Hardinawati Moh. Adenan Mohammad Saleh N. Ari Subagio Priyanto, Fajar Ririn Irmadariyani Ririn Irmadayani Subagio, Ari Sulistyo, Agung Budi Suparman Suparman Susanti Prasetiyaningtiyas Susanti Prasetiyaningtiyas Susanto, Arnis Budi Vadilah, Lia Putri Zainuri zainuri