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All Journal Islamic Ecomonics Journal JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Falah : Jurnal Ekonomi Syariah Jurnal Ilmiah Ekonomi Islam Al-Iktisab: Journal of Islamic Economic Law Shirkah: Journal of Economics and Business JESI (Jurnal Ekonomi Syariah Indonesia) Pena Justisia: Media Komunikasi dan Kajian Hukum Journal of Islamic Economics and Finance Studies Journal of Islamic Economics and Philanthropy Journal of Islamic Economics, Management, and Business (JIEMB) Islamic Economics and Business Review (IESBIR) Ziswaf Asfa Journal Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Al Qardhu Jurnal Ekonomi dan Bisnis Islam Green Economics Review AL-RASYAD Jurnal Hukum dan Etika Bisnis Syariah Value Management Research Journal of Islamic Entrepreneurship and Business Research
Ahmad Lukman Nugraha
STIMIK Bandung
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Determinasi Keputusan Pembelian Kosmetika: Studi pada Kelengkapan Produk, Harga, dan Pelayanan Zumrotul Ulya; Enny Dwi Lestariningsih; Ahmad Lukman Nugraha; Ubbadul Adzkiya; Tyagita Dianingtyas Sudibyo
Green Economics Review Vol. 2 No. 1 (2025)
Publisher : Yayasan Al Ma'arif Dawuhan

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Abstract

This study is motivated by the high number of female Islamic boarding school students (santriwati) in Lasem and the growing presence of cosmetic stores in the area, including Jelita Cosmetic Store located in Karangturi Village, Lasem District, Rembang Regency. These stores aim to meet the cosmetic needs of the santriwati, leading to increased competition and offering consumers more choices. The purpose of this study is to examine the influence of product completeness, price, and service quality on purchasing decisions made by santriwati from Al-Hidayat Al-Ma’shomi Islamic Boarding School who shop at Jelita Cosmetic Store. This research employs an associative quantitative method with a sample of 36 respondents. Data were collected through questionnaires and interviews and analyzed using IBM SPSS Statistics 27 for Windows. Analytical techniques include validity and reliability tests, multiple linear regression, classical assumption tests, model feasibility tests, t-tests, and F-tests. Interview findings revealed that price is the primary factor influencing santriwati to purchase cosmetics at Jelita Store, as it offers more affordable prices compared to other stores. However, product variety and service quality were perceived as lacking. The research results show that product completeness, price, and service quality simultaneously influence purchasing decisions. Partially, only price has a positive and significant effect, while product completeness and service quality do not have a significant influence. The implications of these findings highlight that pricing strategy is a key factor in attracting consumers. Nevertheless, improving product variety and service quality is also essential to enhance customer satisfaction and loyalty.
Transformasi Keuangan Berkelanjutan: Peran Bank Syariah dalam Mendukung UMKM melalui Green Financing dan QRIS Cross-Border Dewi Malihatul Mawaddah; Ferry Khusnul Mubarok; Ismayadi; Ahmad Lukman Nugraha; Ubbadul Adzkiya; Tyagita Dianingtyas Sudibyo
Green Economics Review Vol. 1 No. 2 (2024)
Publisher : Yayasan Al Ma'arif Dawuhan

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The transformation toward sustainable finance has become a key priority in addressing climate change and economic inequality, particularly within the Micro, Small, and Medium Enterprises (MSMEs) sector. Despite their significant contribution to national economies, MSMEs often face barriers in accessing financing that aligns with sustainability principles and digital innovation. This study aims to explore the strategic role of Islamic banks in supporting MSMEs through the implementation of green financing and the utilization of cross-border QRIS as a digital financial innovation. Using a descriptive qualitative approach, this research incorporates literature review, secondary data analysis from Islamic banks’ financial reports, and interviews with MSME actors and banking practitioners. The findings reveal that Islamic banks have substantial potential in providing sustainable financing through Sharia-compliant schemes, such as green murabahah and environmental mudharabah, which support eco-friendly MSME projects. Additionally, the integration of cross-border QRIS expands international market access for MSMEs and enhances the efficiency of cross-border transactions. The implications of this study highlight the need for strong collaboration among regulators, Islamic banks, and MSMEs to foster an inclusive and sustainable financial ecosystem. Policy recommendations include strengthening fiscal incentives for green financing, improving Sharia-based digital financial literacy, and developing payment infrastructure that supports global connectivity. Islamic banks, therefore, can act as key catalysts in driving sustainable and globally competitive MSME growth.
Professional Zakat as an Instrument of Maqashid Syariah from the As-Syatibi Perspective in the Development of National Law in Indonesia Ubbadul Adzkiya; Ahmad Rofiq; Muhlis; Ahmad Lukman Nugraha; Nur Izzati binti Ab Ghani
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 2 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i2.7055

Abstract

This study aims to define professional zakat from the point of view of the concept of maqashid as-Shari'ah offered by Abu Ishaq Al-Syatibi. The author seeks to analyze the potential of zakat profession through the maqashid as-Shari'ah indicator. The research method used is qualitative with a normative approach. The results showed that zakat profession as a form of mashlahah in alleviating poverty. The author sees no nash inferring the prohibition of zakat profession (Lafadz al Amr wa al Anhy). At the time of the Prophet and Companions, the types of professions of the people at that time were limited to breeders, traders, miners and farmers (maqhasid at-tabi'ah). The study of zakat is also very dynamic (sukut al-Syar'i). Empowerment of the poor (Istiqra'). Zakat profession can realize benefits and be able to avoid chaos. The daruriyyat aspect, professional zakat is a support for the basic needs of the poor and poor, especially after the pandemic. The hajjyyat aspect, professional zakat is able to eliminate difficulties or make the maintenance of the five main elements even better. The aspect of tahsiniyyat, professional zakat is able to improve the standard of living of the poor community from recipients of zakat funds to zakat fund givers.
Sharia financial in cross civilization and humanity: a study of alternative solutions to the economy Nur Baiti, Septi Vivia; Firgianti, Shovia Indah; Nugraha, Ahmad Lukman
Journal of Islamic Economics Management and Business (JIEMB) Vol. 3 No. 2 (2021)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2021.3.2.11698

Abstract

Ribā is a global humanitarian problem, so it negatively impacts human life. Therefore, the non-ribawī system built by Islam can be an alternative to the global and national financial systems.This research aims to explore the implementation of the sharia system as an alternative or solution to the financial system in Indonesia and its impacts. This research uses a descriptive qualitative approach with secondary data sources, namely official documents on Islamic economics and official documents of Islamic banks. The results of this study indicate that one of the implementations of the Islamic economy is through Islamic banking. Islamic banking can be an alternative solution to the economic system in Indonesia. In addition, the application of Islamic economics has a reasonably broad impact on society, one of which is that Islamic economics can reduce economic vulnerability due to a decoupling economy phenomenon. Through a profit-sharing system, the Islamic economy makes no distance between the financial and real sectors. This research has implications for efforts to avoid speculative financing, financial market exploitation, and a social environment that only favours the economic interests of capital owners.
Co-Authors Achmad Ridwan Ahmad Rofiq Antoni Julian Arie Rachmat Sunjoto Asri Sundari Asti Meiza Athoillah, Mohamad Anton Ayi Nurbaeti Azizah Zawaj Bunga Wahyu Santika Chaerul Rochman Chaerul Rochman Dewi Malihatul Mawaddah Dian Septi Purnamasari Djayusman, Rayyan Ramdhani Enny Dwi Lestariningsih Firgianti, Shovia Indah Ismayadi Ismayadi Jubaedah, Dedah Khoirul Umam Kurniawati, Septrida MECHIO LESMANA Miftahul Huda Moh. Fauzan Januri Mohamad Anton Athoillah Mohamad Anton Athoillah Mubarok, Ferry Khusnul Muhammad Abdul Aziz Muhammad Alfan Rumasukun Muhlis Mustofa Hasan Nur Baiti, Septi Vivia Nur Izzati binti Ab Ghani Rayyan Ramdhani Djayusman Rekno Juminten Ridwan , Achmad Ridwan, Ahmad Hasan Royyan Ramdhani Djayusman Ruhendi, Ateng Safei, Abdulah Septi Vivia Nur Baiti Septrida Kurniawati Septrida Kurniawati Serlina Nur Indriyani Setia Mulyawan, Setia Shovia Indah Firgianti Sofian Al Hakim, Sofian Susilo, Adib . Syafei', Rachmat Tyagita Dianingtyas Sudibyo Ubbadul Adzkiya’ Yadi Janwari Zumrotul Ulya