Article Per Year (5 Year)
p-Index From 2021 - 2026
2.447
P-Index
This Author published in this journals
All Journal El Dinar Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Procuratio : Jurnal Ilmiah Manajemen Iqtishodia: Jurnal Ekonomi Syariah Management of Zakat and Waqf Journal (MAZAWA)) Al-Sharf: Jurnal Ekonomi Islam Al-Buhuts (e-journal) J-ESA (Jurnal Ekonomi Syariah) JEBI (Jurnal Ekonomi dan Bisnis Islam) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Islamic Economics (IJIE) eJEBA
Mustofa Mustofa
Pascasarjana Ekonomi Syariah, UIN Sunan Ampel
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 15 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 15 Documents
Search

 1   2 
Analisis Peran Artificial Intelligence (AI) dalam Mengoptimalkan Keuangan Islam Dwika Mayasari; Mustofa Mustofa
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 12 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i12.6091

Abstract

This research aims to optimize Islamic finance by utilizing artificial intelligence (AI). This research method uses a descriptive qualitative method. The research data was collected using the literature review method. This study concludes that the challenges faced in the application of Artificial Intelligence (AI) in Islamic finance include Compliance with Sharia Principles, Education and Public Acceptance, Regulatory Complexity, Ethical Issues and Trust, Availability of Qualified Talent. Meanwhile, the application of artificial intelligence (AI) is a solution to various challenges faced by the financial sector including increasing operational efficiency, developing sharia-compliant financial products, improving customer service quality, facing regulatory challenges, and encouraging innovation in Islamic finance. So the application of Artificial Intelligence (AI) in Islamic finance offers various potentials to improve operational efficiency, service quality, fulfillment of sharia principles, and encourage product innovation. However, to maximize this potential, it is important for Islamic financial institutions to continue to innovate, invest in technology, and human resource training to be able to compete in today's digital era.
STRATEGI PEMASARAN WARUNG SIOMAY BEAT MERAH PONOROGO DALAM MENINGKATKAN PROFITABILITAS PERSPEKTIF SYARIAH MARKETING MUHAMMAD SYAKIR SULA AGUS PRASETYO AJI; Mustofa Mustofa
J-ESA (Jurnal Ekonomi Syariah) Vol. 6 No. 1 (2023): Juni
Publisher : Program Studi Ekonomi Syariah IAI Muhammadiyah Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52266/jesa.v6i1.1256

Abstract

Penelitian ini bertujuan untuk mengetahui strategi pemasaran yang dilakukan oleh Warung Siomay Beat Merah Ponorogo dalam meningkatkan profitabilitasnya apakah sudah sesuai dengan karakteristik syariah marketing perspektif Muhammad Syakir Sula. Penelitian ini merupakan penelitian field research yang menggunakan metode kualitatif deskriptif. Sumber data yang digunakan dalam penelitian ini didapatkan dari hasil wawancara dengan pemilik, pegawai dan konsumen dari Warung Siomay Beat Merah Ponorogo. Data-data yang didapatkan dari penelitian ini kemudian diolah dengan menggunakan metode triangulasi khususnya triangulasi data dan triangulasi metode sebagai dasar dalam menarik kesimpulan. Berdasarkan hasil penelitian yang dilakukan, didapatkan hasil bahwa strategi pemasaran yang dilakukan oleh Warung Siomay Beat Merah Ponorogo melalui elemen bauran pemasaran 4P yang meliputi elemen product, price, place, dan promotion sudah dilakukan dan telah sesuai dengan karakteristik syariah marketing perspektif Muhammad Syakir Sula yang meliputi beberapa karakteristik seperti : Teistis (Rabbaniyyah), Etis (Akhlaqiyah), Realistis (Al-Waqi?Iyyah), dan Humanistis (Insaniyyah). Melalui penelitian ini diharapkan agar Warung Siomay Beat Merah Ponorogo bisa melakukan sertifikasi halal pada produk yang mereka jual, membuat konten promosi sosial media yang lebih menarik lagi, dan bisa membuat gebrakan baru yang inovatif dalam memasarkan produknya.
Beyond Religiosity: Unpacking the Drivers of Cash Waqf Decisions in Indonesia Ahmad Agus Hidayat; Andriani Samsuri; Mustofa Mustofa; Nurhayati Nurhayati; Muhammad Rizki Ashari
Jurnal Internasional Ekonomi Islam Vol 8 No 01 (2026): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v8i01.13237

Abstract

Objective: This study investigates the determinants of cash waqf decisions among Muslim donors (wakif) in Surabaya, Indonesia, by examining the roles of waqf literacy, income, institutional trust, and altruistic attitudes. Furthermore, it assesses whether religiosity strengthens the relationship between these factors and cash waqf decisions. Method: A quantitative research design was employed using a survey of 350 cash waqf donors in Surabaya. Data were analysed using Structural Equation Modelling–Partial Least Squares (SEM-PLS) to evaluate both direct and moderating effects among the proposed variables. Result: The findings reveal that waqf literacy and institutional trust have a positive and significant influence on cash waqf decisions. In contrast, income and altruistic attitudes do not significantly affect the decision to participate in cash waqf. The results also indicate that religiosity does not moderate the relationships between waqf literacy, income, institutional trust, altruistic attitudes, and cash waqf decisions. Implication: The study highlights the importance of strengthening waqf literacy programs and improving institutional professionalism, transparency, and accountability to enhance public participation in cash waqf. Waqf institutions should prioritise trust-building mechanisms rather than relying solely on religious appeals in fundraising strategies. Originality or Novelty: This study extends the application of the Theory of Planned Behaviour (TPB) to Islamic social finance by examining actual cash waqf decisions rather than behavioural intentions. It also contributes to the literature by testing religiosity as a moderating variable and providing empirical evidence from Surabaya, a newly designated waqf city in Indonesia.
Big Data Analytics and Open Banking: A New Paradigm for Shariah-Compliant Financial Ecosystems Siti Kamiliyah Adriani; Mustofa Mustofa
Iqtishodia: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v11i1.2232

Abstract

The rapid growth of financial technologies has given rise to new paradigms in the banking sector, with Open Banking and Big Data Analytics emerging as key drivers of innovation. This paper explores how these technologies can reshape the Shariah-compliant financial ecosystem, offering new opportunities for enhancing transparency, efficiency, and customer engagement. Methodologically, this study employs a qualitative approach based on a systematic literature review to examine relevant secondary data. Open Banking, which enables secure sharing of financial data between institutions, combined with Big Data Analytics, offers powerful tools for optimizing financial services, improving risk management, and ensuring Shariah compliance. By analyzing the intersection of these two technologies within Islamic finance, this study highlights their potential to enhance operational effectiveness while adhering to Shariah principles. The research discusses the challenges and opportunities presented by this integration, including issues of data privacy, regulatory compliance, and the need for Shariah governance. Ultimately, this paper aims to provide a framework for understanding how Big Data and Open Banking can work together to foster more inclusive, efficient, and innovative Shariah-compliant financial ecosystems.
Implementing The Sharia Marketing Mix (7P) In The Digital Umrah Travel Industry A Case Study Of PT Auva Eqtena Nahdha Anisah Fithriyyah Salsabila; Saqofa Nabilah Aini; Mustofa Mustofa
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 1 (2026)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i1.12768

Abstract

This study aims to analyze the digital Islamic marketing strategy implemented by PT Auva Eqtena Nahdha (Auva Tour) to attract consumer interest in Umrah pilgrimage services. The study is motivated by the increasing public enthusiasm for performing Umrah post-COVID-19 pandemic, which has intensified competition in the Sharia-based travel industry. This research employs a qualitative method with a descriptive approach and a single-case study design, involving in-depth interviews, observations, and documentation of Auva Tour’s digital and Sharia-compliant marketing practices. The results indicate that the implementation of a marketing strategy based on the 7P mix (Product, Price, Place, Promotion, People, Process, Physical Evidence) enhances consumer trust, comfort, and loyalty. 
Co-Authors Afiyatul Mahfudloh Faiz AGUS PRASETYO AJI Agustin Mila Arlina Ahmad Agus Hidayat Ahmad, Zakiyyah Ilma Aini, Saqofa Nabilah Andriani Samsuri Anisah Fithriyyah Salsabila Aqif Khilmia Dwika Mayasari Ika Nazilatur Rosida Khotib Muhammad Rizki Ashari Muhammad Yazid Nurhayati Regita Okti Nurmaulida Siti Kamiliyah Adriani Siti Rukmana