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

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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.
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.
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.
Pengaruh Peningkatan Tarif Pajak Konsumen terhadap Perilaku Konsumen Muslim di Kabupaten Jember Hanim Aghnini; Moh. Adenan; Cholifah, Umi
IJABAH Vol. 3 No. 1 (2025): IJABAH
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ijabah.v3i1.1372

Abstract

The State Budget mechanism manages tobacco excise, which is state revenue, and has an important and strategic role in financing government programs and performance as well as development throughout the territory of the Republic of Indonesia in a planned, orderly, safe, fair, and sustainable manner. The government raises excise almost every year as part of their fiscal policy. The increase in excise rates has an impact on the economy, especially state revenue and tobacco production. This study will look at how the policy of increasing excise rates has an impact on state revenues and cigarette consumers because of its huge impact. A descriptive qualitative research method was used to explain the causal relationship between the increase in excise rates on state revenue and Muslim cigarette consumers in Jember district. The results of the study show that the policy of increasing excise rates for tobacco products implemented by the government increases excise revenue every year, despite the challenges faced by the government. However, the policy has a negative impact on the production of tobacco products due to the implementation of the policy. Therefore, the implementation of the excise rate increase policy will be contrary to the purpose of imposing excise rates, namely reducing the number of goods subject to excise and the amount received by the state.
Blockchain Adoption Barriers and Stakeholder Readiness for Halal Food Supply Chain Integration Umi Cholifah; Deasy Wulandari; Aulia Arifatu Diniyya
Journal of Digital Marketing and Halal Industry Vol. 8 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2026.8.1.29486

Abstract

Blockchain technology offers an innovative solution to transparency challenges in halal food supply chains. However, prior literature heavily overlooks the entry-stage dynamics of small-scale ecosystems, often misclassifying cost and regulation as insignificant factors. This study addresses this gap by investigating the multi-dimensional readiness and adoption barriers within the Halal, Safe, and Healthy Culinary Zone (Zona KHAS) in Indonesia. Employing a qualitative exploratory design, the methodology uniquely triangulates strategic macro perspectives (expert FGDs and policy documents) with operational micro realities (stakeholder surveys and field observations). These complementary data streams were synthesized using NVivo 15 thematic analysis to bridge empirical viewpoints. The findings yield a crucial theoretical insight: cost (estimated USD 15,000–25,000/year) and regulatory complexities act as severe, structural 'barriers to entry' for MSMEs, directly contradicting established supply chain models. To overcome these challenges, this study develops an original, phased implementation framework that initiates blockchain integration upstream (producers) within a controlled pilot ecosystem. This framework offers concrete managerial and policy implications by providing a realistic, risk-mitigating pathway for regulators and Zona KHAS managers to systematically scale digital halal assurance.
Strategic Design of Halal Canteens: Exploring the Zona KHAS Concept and Its Global Implications in University Environments Umi Cholifah; Deasy Wulandari; Istikomah
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3089

Abstract

This study develops a strategic concept for halal canteens using the Zona KHAS (Halal, Safe, and Healthy Culinary Zone) framework, integrating halal assurance, food safety, health, and comfort in accordance with sharia principles. The research aims to create a strategic model for halal canteens in university settings, focusing on halal certification, food safety, and student Well-being. While the study is based on universities in Jember Regency, it also explores the broader applicability of the Zona KHAS framework in global contexts. Using a qualitative, exploratory approach, 21 canteens across six universities were observed. Data were collected through interviews, observations, and document analysis, and analyzed using NVivo 15. The study found that seven of twelve Zona KHAS criteria were met, with managerial professionalism and halal staff training requiring improvement. Key components identified for Zona KHAS implementation include halal certification, food safety, digital transactions, and supporting facilities. This model promotes sustainable campus development and enhances students' overall Well-being.
Co-Authors Akhmad Munir Ari Subagio Aulia Arifatu Diniyya Azzam, Naufal Citra Imania Deasy Wulandari Deasy Wulandari Deasy Wulandari Diniyya, Aulia Arifatu Erika Ayu Pandini Fajar Priyanto Fajar Wahyu Prianto Hanim Aghnini Hari Sukarno Istikomah Lusiana Ulfa Hardinawati Moh. Adenan Moh. Adenan Mohammad Saleh N. Ari Subagio Priyanto, Fajar Ririn Irmadariyani Ririn Irmadariyani Ririn Irmadayani Subagio, Ari Sulistyo, Agung Budi Suparman Susanti Prasetiyaningtiyas Susanti Prasetiyaningtiyas Susanto, Arnis Budi Vadilah, Lia Putri Zainuri Zainuri