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All Journal IJTIHAD Islamic Ecomonics Journal MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam wacana equiliberium (jurnal pemikiran penelitian ekonomi) ADDIN Journal of Islamic Economics and Philanthropy Jurnal PKM Manajemen Bisnis Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Islamiconomic: Jurnal Ekonomi Islam Jurnal Ilmu Sosial dan Humaniora Dharma: Jurnal Pengabdian Masyarakat JURNAL PENGABDIAN PENDIDIKAN MASYARAKAT (JPPM) Muslim Heritage Journal of Islamic economics Perspectives (JIEP) Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah BISMA: Bimbingan Swadaya Masyarakat
Royyan Ramdhani Djayusman
Universitas Darussalam Gontor
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Library & Information Science Mathematics Public Health Social Sciences Other

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Analisi Strategi Pengembangan Pasar Tradisional Dalam Perspektif Ekonomi Islam (Studi Kasus Pasar Songgolangit Kabupaten Ponorogo) Royyan Ramdhani Djayusman; Ahmad Lukman Nugraha; Khoirul Umam
Islamic Economics Journal Vol. 4 No. 2 (2018)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (511.042 KB) | DOI: 10.21111/iej.v4i2.2964

Abstract

This study aims to analyze traditional market development strategies by local governments from an Islamic economic perspective. This study used a qualitative method with a SWOT analysis. Qualitative methods are used to analyze the role of traditional market development from the perspective of Islamic Economics. Furthermore, the formulation of the strategy uses a SWOT analysis to obtain the development strategies in traditional market. The results of this study are; Firstly, the fluctuation of the total traders must be followed by the additional infrastructure. Secondly, the development strategy of the business in Songgolangit market can be done through two aspects; material and non-material aspects. The material aspect includes developing business capital. Non-material aspects include the development of business literacy and entrepreneurship. Thirdly, the role of local government in controlling and managing traditional markets is very important in issuing a local regulation (PERDA) for regulating the position, distance and operational time of street vendors (PKL), traditional markets and modern markets. Fourthly, the strategy of developing traditional markets through modernization of infrastructure and marketing utilizing technological progress.
ZAKAT PROFESSION ON SALARY SYSTEM MANAGEMENT (CASE STUDY AT BP-ZIS BISNIS INDONESIA) Nuris Fakhmi Zakky; Royyan Ramdhani Djayusman
Journal of Islamic Economics and Philanthropy Vol. 1 No. 1 (2018): August
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (366.017 KB) | DOI: 10.21111/jiep.v1i3.2558

Abstract

Zakat sebagai ibadah yang bernilai sosial memiliki peran yang amat penting dalam membangun ekonomi dan menghilangkan kesenjangan antara orang kaya dan orang miskin sehingga dengan zakat diharapkan keadilan hadir dalam kehidupan masyarakat. Dewasa ini ulama mengeluarkan bentuk zakat yang belum dikenal pada zaman Rasul maupun sahabat yaitu zakat profesi, melihat banyaknya pekerjaan yang juga tidak ada pada masa itu namun memiliki penghasilan yang besar. Zakat dapat berperan maksimal jika dikelola oleh lembaga pengelola zakat bukan secara langsung oleh tiap individu, sayangnya banyak dari muslimin yang membayarkan zakat secara langsung bukan karena kurangnya pemahaman tentang agama melainkan karena kurangnya kepercayaan masyarakat terhadap lembaga pengelola zakat. Berangkat dari latar belakang diatas, pada penilitian ini penulis ingin melihat lebih dalam pengelolaan zakat profesi yang terjadi pada lembaga pengelolaan zakat terlebih dalam sistem pengumpulan dan pendistribusian dana zakat. Untuk mencapai tujuan penelitian diatas penulis menggunakan metode kualitatif deskriptif yang mendeskripsikan sistem pengelolaan zakat yang diterapkan oleh BP-ZIS Bisnis Indonesia. Dari hasil penilitian sederhana ini, peniliti menemukan bahwa dalam pengelolaan zakat profesi di BP-ZIS Bisnis Indonesia belum terdapat pendataan muzaki dan mustahiq sehingga dana zakat belum memberikan manfaat maksimal untuk membangunan ekonomi mustahiq dan kesadaran muzaki untuk membayarkan zakat profesinya.
MODEL PEMBIAYAAN LEMBAGA KEUANGAN SOSIAL DAN DAMPAKNYA TERHADAP PERKEMBANGAN USAHA MIKRO MASYARAKAT (Studi Kasus Di Yayasan Dana Sosial Al-Falah Surabaya) Indra Sholeh Husni; Royyan Ramdhani Djayusman
Journal of Islamic Economics and Philanthropy Vol. 1 No. 2 (2018): November
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (821.68 KB) | DOI: 10.21111/jiep.v1i4.3086

Abstract

Masalah terbesar yang dialami oleh para pelaku usaha kecil adalah akses terhadap modal usaha. Hal ini dibuktikan dengan perkataan dari Budi Satria Iman selaku CEO Pro Indonesia Foundation bahwasanya sejak tahun 2010 terdapat enam masalah pokok yang menghalangi UKM untuk menaikkan kelas usahanya dan salah satu yang paling berpengaruh adalah modal usaha. Maka dari itu diperlukan adanya pembiayaan kepada para pelaku usaha mikro untuk dijadikan modal dalam menjalankan usahanya. Dari pembiayaan yang dilakukan oleh lembaga keuangan, pasti terdapat dampak yang terjadi terhadap perkembangan usaha mikro maupun lingkungan usaha mikro itu sendiri. Tujuan dari penelitian ini adalah untuk mengetahui penerapan model pembiayaan kepada usaha mikro pada lembaga zakat YDSF. Selain itu tujuan dari penelitian ini adalah untuk mengetahui pengaruh penerapan model pembiayaan pada lembaga keuangan terhadap perkembangan usaha mikro. Metode penelitian ini menggunakan penelitian kualitatif dan kuantitatif (mix method) dengan alat analisis deskriptif dan uji beda 2 rata-rata. Teknik pengumpulan data didapat melalui metode observasi (Observation), Wawancara (Interview) dan Dokumentasi (Documentary). Hasil dari penelitian ini adalah penerapan model pembiayaan di YDSF terdapat empat alur. Yang pertama adalah proses mengajukan proposal modal usaha, kedua adalah pendampingan dalam pembiayaan, ketiga yaitu pengembalian modal usaha kepada lembaga, keempat adalah sumber dana yang berasal dari infaq dan penggunaan akad qordhul hasan. Adapun dampak yang ditimbulkan dari program pembiayaan ini adalah meningkatnya pendapatan para anggota pelaku usaha kecil yang dapat dilihat dari haasil analisa uji beda dua rata-rata. Bahwasanya rata-rata pendapatan sebelum mendapatkan pembiayaan adalah Rp 1,247,500 dan setelah mendapatkan pembiayaan rata-rata pendapatan adalah Rp 2,124,000. Hal ini menjelaskan bahwa terdapat peningkatan pendapatan pada UMKM setelah mendapatkan pembiayaan dari YDSF. Selain itu, nilai signifikansi dari hasil uji beda dua rata-rata adalah sebesar 0,00 dan lebih kecil dari 0,05. Artinya Hₒ ditolak dan Ha diterima yaitu terdapat perbedaan yang signifikan antara pendapatan sebelum dan setelah mendapatkan pembiayaan dari YDSF. Dengan kata lain terjadi peningkatan pendapatan yang signifikan bagi UMKM setelah mendapatkan bantuan pembiayaan dari YDSF.
PENGEMBANGAN PASAR TRADISIONAL SONGGOLANGIT PONOROGO: TINJAUAN PERSPEKTI EKONOMI ISLAM AHMAD LUKMAN NUGRAHA; MECHIO LESMANA; ROYYAN RAMDHANI DJAYUSMAN
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 2 (2019)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v5i2.1742

Abstract

This study aims to analyze traditional market development Songgolangit Ponorogo from an Islamic economic perspective. This study used a qualitative method. Qualitative methods are used to analyze the role of traditional market development from the perspective of Islamic Economics. Including data tecnic by copersition, dokumentation, and Focus Group Discossion. The results of this study indicate that the management of the Songgolangit market is good. Development of the Ponorogo Songgolangit traditional market through the stages of planning, organizing, field action, supervision and evaluation. Market development in Islamic perspectives includes price monitoring, fraud control, general supervision, quality control and halal goods, control of stockpiling, and control of prohibited transactions. Local governments play an important role in supervision and need to work together with the MUI in forming "rijalu-n-nisbah" in traditional markets.
Analisis Peluang dan Potensi Akad Musyarakah dalam Meningkatkan Akses Pembiayaan UMKM pada BTN Syariah Royyan Ramdani Djayusman; Rafi Nur Azizah
SOSMANIORA: Jurnal Ilmu Sosial dan Humaniora Vol. 4 No. 2 (2025): Juni 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/sosmaniora.v4i2.5247

Abstract

This study analyzes the opportunities and potential of musyarakah contracts in increasing access to financing for Micro, Small and Medium Enterprises (MSMEs) at BTN Syariah. The musyarakah contract is a form of sharia-based financing that emphasizes the principle of profit sharing between banks and customers. However, the application of this contract still faces various challenges, such as the risk of moral hazard, lack of This research uses a descriptive qualitative method with a case study approach at BTN Syariah. Data were collected through interviews with bank parties, document analysis, and literature review related to the policy and implementation of musyarakah contracts in Islamic banking. The results show that musyarakah contracts have great potential in increasing access to financing for MSMEs because they are flexible and oriented towards business partnerships. In addition, the profit-sharing mechanism allows MSMEs to obtain capital without the burden of fixed interest, which is often an obstacle in conventional financing schemes. However, for the musyarakah contract to be optimized, a comprehensive strategy is needed, such as strengthening risk mitigation, increasing financial literacy for MSME players, and more accommodating regulatory support. BTN Syariah also needs to develop musyarakah-based product innovations that are more adaptive to the needs of MSMEs. By optimizing the musyarakah contract, it is hoped that access to MSME financing will be wider, so as to encourage inclusive and sustainable economic growth.
Cocoa Seedling Cultivation (Theobroma Cacao) Using Bokashi Fertilizer Media as an Environmentally Friendly Solution Huda, Miftahul; Afif, Mufti; Djayusman, Royyan Ramdhani; Rachmat, Arie
Bisma : Bimbingan Swadaya Masyarakat Vol. 7 No. 1 (2025): April 2025
Publisher : STAI Miftahul ULa Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59689/bisma.v7i1.1190

Abstract

This community service project, conducted in Bugel Hamlet, Karangrejo Village, focuses on improving cocoa farming through the use of bokashi fertilizer as an environmentally friendly alternative to chemical fertilizers. The project aims to enhance soil fertility and cocoa seedling growth while promoting sustainable agricultural practices. Using Participatory Action Research (PAR), local farmers were actively involved in the planning, implementation, and evaluation phases. The research methodology included observation, interviews, and field studies. Results showed that bokashi fertilizer significantly improved soil health, increased cocoa productivity, and fostered a better balance of soil microorganisms compared to chemical fertilizers. The project empowered local farmers by providing them with an eco-friendly solution for enhancing cocoa farming, with the potential to increase productivity, support local economic growth, and contribute to long-term environmental sustainability.
Mewujudkan Efektifitas dan Efisiensi Tata Kelola di Usaha Mikro melalui Pelatihan Manajemen Operasional dan Sumber Daya Manusia Kurniawan, Dhika Amalia; Nurfadila, Agustin Rani; Nurfattah, Arizqiya; Djayusman, Royyan Ramdhani; Mahfudz, Akhmad Affandi
Jurnal PKM Manajemen Bisnis Vol. 5 No. 2 (2025): Jurnal PKM Manajemen Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/pkmb.v5i2.1347

Abstract

The contribution of MSMEs is significant to Indonesia's economic growth, but many MSME actors still rely on simple and poorly organized work methods in operational and human resource management. This results in poor production efficiency and entrepreneurial activities. A similar thing also happened at UM Krecek Krupuk Bu Nor, which is engaged in traditional snacks. Efficiency in production and sales activities is not optimal due to the lack of operational management and human resources. This training aims to provide assistance and training in operational governance and human resources, which can positively impact business actors. The method used is focused on interactive and participatory training with several stages such as preparation, implementation, and monitoring. The results of this training have a positive impact on UM Krecek Krupuk Bu Nor in operational and human resource management and can increase the level of efficiency in entrepreneurial operations.
IMPLEMENTASI MULTI AKAD DALAM LAYANAN PEMBIAYAAN GADAI SYARIAH DI BANK BTN SYARIAH KC SOLO Djayusman, Royyan Ramdhani; Damanhuri, Sahnaz Emira Damanhuri Emira
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 12 │ No. 1 │ 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v12i1.25277

Abstract

The sharia pawn financing service has become one of the financingsolutions favored by many people, including at Bank BTN Syariah KC Solo. Thecontract used is a combination of rahn, qardh, and ijarah aimed at meeting shortterm financing needs in accordance with sharia principles. The purpose of thisresearch is to analyze the mechanism of implementing rahn, qardh, and ijarahcontracts at Bank BTN Syariah KC Solo from the perspective of Islamic economiclaw. This research uses a descriptive qualitative method with a case studyapproach. Data were collected through in-depth interviews with bankrepresentatives and Sharia experts, as well as direct observations. The researchresults show that the implementation of ijarah, qardh, and rahn contracts in thesharia pawn financing services at Bank BTN Syariah KC Solo is in accordancewith sharia principles. The rahn and ijarah contracts are conducted separately,where the rahn contract provides security in transactions through the loan ofgoods (marhun), while the ijarah contract is used to charge fees for the storage ofpawned goods without any additional elements of usury. It is hoped that BankBTN Syariah KC Solo can enhance transparency and sharia literacy in thecommunity to strengthen customer trust.
PELATIHAN MANAJEMEN OPERASIONAL SEBUAH UPAYA MENJAGA KONSISTENSI KUALITAS PRODUK DAN PENGELOLAAN PERSEDIAAN DI USAHA MIKRO PONOROGO Urrosyidin, Mohammad Syifa; Damayanti, Amilia Yuni; Nurfattah, Arizqiya; Umam, Khoirul; Djayusman, Royyan Ramdhani
Dharma: Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2025): Mei
Publisher : Universitas Pembangunan Nasional "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/dlppm.v6i1.14586

Abstract

Dalam pengelolaan manajerial operasional, Frozen food Savira terkendala dalam efektifitas dan efisiensi operasional. Pengabdian ini bertujuan untuk meningkatkan kapasitas manajerial pengelola usaha kecil dalam hal efisiensi produksi, konsistensi kualitas produk, pengelolaan persediaan dan keuangan. Metode pelatihan yang akan diterapkan berupa: Workshop Praktis yang melibatkan simulasi operasional sehari-hari, dan mentoring Individu untuk memecahkan masalah spesifik yang dihadapi oleh pengelola usaha. Hasil penelitian digambarakan dengan luaran pelatihan seperti;  peningkatan kualitas produk, efisiensi produksi, pengelolaan persediaan yang lebih baik, serta pengelolaan keuangan yang lebih efektif. Berdasarkan kesimpulan hasil, pengelola disarankan untuk melakukan investasi dalam peralatan dan teknologi manajerial, seperti perangkat lunak untuk pengelolaan stok dan keuangan, guna meningkatkan efisiensi operasional dan meminimalkan kesalahan dalam proses produksi serta pengelolaan persediaan.
Beyond Religiosity: How Social Capital Drives Institutional Zakat Payment Preferences in Indonesia - A Behavioural Economics Analysis Djayusman, Royyan Ramdhani; Ibnu, Adi Rahmannur; Lahuri, Setiawan bin; Jalili, Ismail
Economica: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.2.26477

Abstract

Notwithstanding the fact that Indonesia has the world’s largest Muslim population, zakat collection through formal institutions is substantially below expectations. In light of this shortfall, this study investigates the interplay between religiosity and social capital on individual preferences for zakat payments and the proportion allocated to official zakat agencies, with the overarching aim of contextualizing the fiqh zakat framework in contemporary Indonesia. Drawing upon the data from a nationwide survey of 794 respondents, the empirical analysis employs Linear Probability Model (LPM) and Poisson Pseudo Maximum Likelihood (PPML) regression techniques to examine the determinants of zakat payment behaviour. Findings reveal that social capital significantly increases both the likelihood of choosing zakat institutions and the portion of zakat paid through them. In contrast, religiosity shows a weaker direct effect on institutional zakat payment. Taken together, these results highlight the pivotal role of social networks and trust in enhancing institutional zakat collection. Therefore, the study advocates for a strategic reform of fiqh zakat practices that integrate social capital strategies to reinforce religiosity and improve zakat compliance through formal channels.
Co-Authors Achmad Nasution Adi Rahmannur Ibnu Agustin Rani Nurfadila Ahmad Lukman Nugraha Akhmad Affandi Mahfudz Amilia Yuni Damayanti Andi Triyawan Arief Rahmawan Azuha, Difa’ul Haq Damanhuri, Sahnaz Emira Damanhuri Emira Devi Ernantika Dhika Amalia Kurniawan Eko Nur Cahyo Faizal Abduh Faizin, Nurul Fatturroyhan Fatturroyhan Fatturroyhan, Fatturroyhan Handayani, Agung Lia Indra Sholeh Husni Istiqomah, Inna Putri Jalili, Ismail Khoirul Umam Luhur Prasetiyo MECHIO LESMANA Miftahul Huda Mufti Afif Muhammad Ridlo Zarkasyi Muhammad Zaki Muhammada Khafid Abdillah Nurfattah, Arizqiya Nuris Fakhmi Zakky Rachmat, Arie Rafi Nur Azizah Urrosyidin, Mohammad Syifa Zahro’, Khurun’in