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All Journal ADDIN IJTIHAD Islamic Ecomonics Journal MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam Al-Iktisab: Journal of Islamic Economic Law 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 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 Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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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

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.
REVITALISASI USAHA MIKRO DI DESA GANDU MELALUI PENERAPKAN STRATEGI BISNIS YANG EFEKTIF UNTUK PERTUMBUHAN BERKELANJUTAN Amilia Yuni Damayanti; Arief Rahmawan; Khurun'in Zahro'; Akhmad Affandi Mahfudz; Royyan Ramdhani Djayusman
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 6 No 2 (2025): Jurnal Pengabdian Pendidikan Masyarakat (JPPM), Vol 6 No 2 (Oktober 2025)
Publisher : LPPM UNIVERSITAS MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v6i2.2840

Abstract

Microenterprises (MSEs) in Gandu Village have great economic potential, but still face challenges in improving competitiveness and sustainable growth. The main problems faced by UM actors include limitations in preparing business strategies, inefficient production management, and low utilization of digital technology in marketing. One of the businesses facing these challenges is Bu Nor's Krecek Krupuk UM. The purpose of this service activity is to increase partners' capacity in formulating effective business strategies, increasing production efficiency, utilizing digital technology for marketing, and improving financial management to encourage sustainable business growth. The method used is a participatory approach through three stages: preparation, implementation, and evaluation, which actively involves partners in the entire process. The results of this activity show an increase in the understanding and skills of business actors in developing business strategies, applying digital marketing techniques, and improving production management. Post-training evaluation shows that the strategies that have been developed are able to help businesses increase production capacity and competitiveness in the market. With this training and mentoring, UM Krecek Krupuk Bu Nor is expected to develop sustainably, improve the quality and quantity of its products, expand its marketing reach, and increase its income.
Integrating Good Governance Business Sharia into Maqasid Sharia: Evidence from Islamic Rural Banks in Indonesia Zarkasyi, Muhammad Ridlo; Handayani, Agung Lia; Lahuri, Setiawan bin; Djayusman, Royyan Ramdhani; Ibnu, Adi Rahmannur
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 16, No 1 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i1.906

Abstract

This study explores the implementation of Good Governance Business Sharia (GGBS) at PT BPRS Mitra Mentari Sejahtera through the framework of Maqasid Shariah. The research examines how governance principles rooted in Sharia values are translated into institutional practices and how they contribute to the realization of ethical and sustainable business objectives. Using a descriptive qualitative approach with a case study design, data were collected through interviews, documentation, and institutional reports, then analyzed using Atlas.ti 09. Findings reveal that BPRS Mitra Mentari Sejahtera has effectively incorporated GGBS principles by promoting transparency, accountability, and adherence to Sharia ethics. However, limited public disclosure—particularly the unavailability of annual reports—remains a major challenge, potentially weakening stakeholder trust and institutional credibility. The study emphasizes the need for stronger transparency mechanisms, enhanced collaboration with Sharia supervisory bodies, and continuous education to reinforce Maqasid Shariah within governance structures. Overall, this research underscores the pivotal role of GGBS in achieving Sharia objectives and advancing ethical governance in the Islamic financial sector.
Co-Authors Achmad Nasution Adi Rahmannur Ibnu Agustin Rani Nurfadila Ahmad Lukman Nugraha Akhmad Affandi Mahfudz Amilia Yuni Damayanti Andi Triyawan Arief Rahmawan Damanhuri, Sahnaz Emira Damanhuri Emira Devi Ernantika Dhika Amalia Kurniawan Eko Nur Cahyo Faizal Abduh Faizin, Nurul Fatturroyhan Fatturroyhan Handayani, Agung Lia Indra Sholeh Husni Jalili, Ismail Khoirul Umam Khurun'in Zahro' Luhur Prasetiyo MECHIO LESMANA Miftahul Huda Mufti Afif Muhammad Zaki Muhammada Khafid Abdillah Nurfattah, Arizqiya Nuris Fakhmi Zakky Rachmat, Arie Rafi Nur Azizah Urrosyidin, Mohammad Syifa Zarkasyi, Muhammad Ridlo