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All Journal Laa Maisyir Jurnal Ekonomi Islam IJTIHAD Maraji`: Jurnal Ilmu Keislaman Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Jurnal ASPIKOM Ijaz Arabi Journal of Arabic Learning MALIA NISBAH: JURNAL PERBANKAN SYARIAH Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Istinbath: Jurnal Hukum dan Ekonomi Islam Jurnal Tabarru': Islamic Banking and Finance Syarikat : Jurnal Rumpun Ekonomi Syariah Justisia Ekonomika Ulumuna: Jurnal Studi Keislaman Al Maal: Journal of Islamic Economics and Banking SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Dialektika: Jurnal Ekonomi dan Ilmu Sosial Al-Kharaj: Journal of Islamic Economic and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Ilmiah Al-Tsarwah El-Qist : Journal of Islamic Economics and Business (JIEB) Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam AL-ARBAH: Journal of Islamic Finance and Banking Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Al-Buhuts (e-journal) Jurnal Riset Ekonomi Syariah Milkiyah: Jurnal Hukum Ekonomi Syariah Keris: Journal of Community Engagement MIYAH: Jurnal Studi Islam JUSTICES: Journal of Law ORGANIZE: Journal of Economics, Management and Finance Santri: Journal of Student Engagement Amal: Jurnal Ekonomi Syariah Al-Arfa: Journal of Sharia, Islamic Economics and Law Maslahah: Jurnal Manajemen dan Ekonomi Syariah Jurnal Media Akademik (JMA) Maklumat: Journal of Da'wah and Islamic Studies Al-Fadilah: Islamic Economics Journal MASADIR: Jurnal Hukum Islam Journal of Sharia Economics, Banking and Accounting Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Optimum: Jurnal Ekonomi dan Pembangunan Journal of Islamic Philosophy and Contemporary Thought Jurnal At-Tamwil: Kajian Ekonomi Syariah Reflektika Al-Iffah: Journal of Islamic Sciences Research Journal of Digital Economic Studies Journal of Shariah Economics Proceeding UMSurabaya Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Taufiqur Rahman
Universitas Trunodjoyo Madura
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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The Effect of Gold Price and Integrated Marketing Communication: Determinants of Interest in Gold Installment Financing at BSI Riris Tri Maulida; Tri Pujiati; Taufiqur Rahman
Jesya Vol 9 No 2 (2026): ARTICLES : RESEARCH JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2580

Abstract

This research explores how the price of gold and Integrated Marketing Communication (IMC) influence customer interest in gold installment financing at PT Bank Syariah Indonesia (BSI). Gold installment financing serves as a Sharia-compliant investment option based on a murabahah contract, allowing customers to gradually obtain gold through fixed installment payments. The rising demand for gold as a safe haven asset underscores the significance of both economic and marketing elements in shaping customer choices. This study utilizes a quantitative explanatory approach and employs multiple linear regression analysis. Data were gathered via structured questionnaires distributed among BSI customers and were examined through validity and reliability assessments, classical assumption tests, and hypothesis testing methods. The results indicate that gold price and IMC positively and significantly affect customer interest. Moreover, IMC demonstrates a more dominant influence compared to gold price, indicating that effective and integrated marketing communication strategies play a critical role in enhancing customer awareness, trust, and understanding of gold installment products. These results suggest that while gold price reflects rational economic considerations, IMC functions as a strategic communication mechanism that strengthens customers’ behavioral intentions. This study provides theoretical contributions by integrating economic and marketing determinants within a single analytical framework and offers practical implications for Islamic banking institutions in developing adaptive pricing policies and more effective communication strategies to increase customer interest in gold installment financing.
MARKETING STRATEGIES OF BMT IN EFFORTS TO INCREASE THE NUMBER OF CUSTOMERS: A SYSTEMATIC LITERATURE REVIEW Nur Rizkiyah Ramadhani; Taufiqur Rahman
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i1.9153

Abstract

The proper marketing strategy planning is believed to encourage an increase in the number of customers by enhancing awareness, interest, and trust in BMT services. This study aims to identify, categorize, and analyze various marketing strategies implemented by BMT as discussed in academic literature, evaluate their effectiveness based on empirical evidence, and reveal the strengths and weaknesses of each strategy in increasing the number of customers, in order to identify research gaps that can serve as the foundation for this study. The method used is the Systematic Literature Review (SLR). Data were collected through Google Scholar using the Publish or Perish 8 application with the keywords “Marketing Strategy,” “Baitul Maal wat Tamwil (BMT),” and “Increasing the Number of Customers.” Through a systematic selection process, only 8 out of 169 articles were selected for further analysis. The results of the research questions indicate that BMT’s marketing strategies to increase the number of customers include the marketing mix, segmentation targeting and positioning (STP), digital marketing, customer relationship management (CRM), as well as personal selling and service excellence—all of which have proven to be effective, although each strategy has its own varying strengths and weaknesses
Mapping KSPPS Research Using Vosviewer: A Study of the Google Scholar Database 2019-2025 Rikhe Dwi Nurdiyah; Taufiqur Rahman
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.59

Abstract

This study aims to map the development of scientific research on Sharia Savings and Loan Cooperatives (KSPPS) in Indonesia by utilizing a bibliometric approach supported by VOSviewer software. Sources of information were obtained from Google Scholar with a publication period between 2019 and 2025. The collection process was carried out using the keyword “KSPPS” along with variations of related terms, which were then filtered to obtain relevant documents in Indonesian. The analysis was conducted by mapping co-authorship, co-occurrence, and citation analysis to identify trends, major themes, prolific authors, and institutions that play an important role in the development of KSPPS research. The results showed that the frequency of publications has increased since 2020, with the most discussed themes including Islamic microfinance management, cooperative governance, and financial literacy. In addition, it was revealed that the network of cooperation between authors is still minimal, indicating the importance of increasing research collaboration between various institutions. This study provides an initial insight into the orientation and shortcomings of Islamic microfinance research, and can serve as a guideline for academics, researchers, and regulators in setting research and policy agendas in the field of Islamic microfinance
Transparency and Accountability of Islamic Pension Funds: A Systematic Review of the Literature Fidya Puji Ramadhani; Taufiqur Rahman
Al-Fadilah: Islamic Economics Journal Vol. 3 No. 2 (2025): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v3i2.64

Abstract

This study aims to systematically analyze the literature related to the transparency and accountability of Islamic pension funds. Using a Systematic Literature Review (SLR) approach with the PRISMA protocol, this study identifies Islamic pension fund management practices, financial reporting mechanisms, the role of the Sharia Supervisory Board (SSB), technology implementation, and Sharia audit standards. A literature search was conducted in the Scopus, Web of Science, Emerald, EBSCO, and SINTA databases, covering the period 2013-2024, yielding 25 relevant articles for analysis after a screening process. The results indicate that the transparency of Islamic pension funds still faces challenges in terms of reporting standardization, investment information disclosure, and Sharia supervision. The integration of technologies such as blockchain and AI is beginning to be implemented to enhance transparency, although this is still limited to countries with advanced Islamic financial systems. This study contributes to the development of a comprehensive accountability framework for Islamic pension funds and identifies areas for future research in the context of the evolution of the global Islamic finance industry.
Pendampingan Pendidikan Dasar bagi Masyarakat Daerah Terpencil di Desa Bajeman Kabupaten Bangkalan Taufiqur Rahman; Farid Ardyansyah; Ribka Bunga Satya Banjarnahor; Hairul Umur; Mohammad Syarifatul Mustofa; Misbahul Munir
Santri : Journal of Student Engagement Vol. 5 No. 1 (2026): Santri : Journal of Student Engagement
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/santri.v5i1.2327

Abstract

Education in remote areas faces complex challenges that affect the quality and equity of learning outcomes. This study aims to analyze various factors that hinder the educational process in Bajeman Village and to offer solutions based on Community Service Program (KKN) activities. The research employs a mixed-methods approach, collecting data through field observations, in-depth interviews, and questionnaires distributed to teachers, students, and community members. The findings indicate that the main challenges include a lack of qualified educators, inadequate infrastructure, low parental involvement, and limited internet access. Through KKN activities, the implemented solutions include digital literacy training for teachers, student learning assistance, and strengthening community participation in education. The objective of this study is to analyze various factors that hinder education in Bajeman Village and to propose solutions through the Community Service Program (KKN) in order to improve the quality of education and serve as a model for community service initiatives in other remote areas.
Transformation of Digital Philanthropy Ecosystem: Effectiveness Analysis of Stock Waqf Management Based on Motion Trade Application M. Syarifuddin Syarifuddin; Taufiqur Rahman
Journal of Digital Economic Studies Vol. 1 No. 1 (2026): June
Publisher : Zamzami Scholar Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64685/JDES.2026.1.1.1-19

Abstract

This study examines the effectiveness of stock waqf management at PT MNC Sekuritas through the Motion Trade application, addressing the critical need for digital transformation in Islamic social finance. Using a qualitative case study design, the research explores how fintech bridges the gap between capital market activities and philanthropic obligations. Data were collected through in-depth interviews with management and investors, supported by empirical documentation of fund distribution. Applying the POAC (Planning, Organizing, Actuating, Controlling) framework, the findings demonstrate that Motion Trade simplifies the waqf mechanism into a seamless digital journey, ensuring systemic sharia compliance. The strategic partnership with certified nazhir institutions facilitates efficient Planning and Organizing, while the Actuating function is visibly evidenced by the rapid mobilization of funds for Gaza humanitarian relief and local orphan support programs. Furthermore, digital audit trails ensure rigorous control and investor trust. The study concludes that this ecosystem effectively democratizes productive waqf, proving that the convergence of technology and management principles transforms stock assets into sustainable social impact, validating the “Holistic Wealth Cycle” in the digital. 
Analysis Of The Effectiveness Of The Use Of Digital Platforms As A Promotional Strategy In The Development And Attraction Of Lon Malang Beach Tourism Sampang District Halimatuz Zahro; Alan Su'ud Ma'adi; Taufiqur Rahman
JOURNAL OF SHARIA ECONOMICS Vol. 5 No. 2 (2023): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v5i2.665

Abstract

Lon Malang Beach is one of the tourist destinations that is starting to show its development. Lon Malang Beach is located in Sampang Regency, East Java, precisely in Bira Tengah Village, Sokobanah District . The development of Lon Malang Beach tourism certainly cannot be separated from the participation of the government, village youth and also the surrounding community. Apart from that, the existence of a digital platform is also an effective promotional medium to be used to help the development of Lon Malang Beach tourism to become more rapid and have a higher attraction so that it is widely known by the public. Of course, when carrying out promotional activities, there are inhibiting factors involved. The aim of this research is to find out the effectiveness of using digital media platforms as a promotional strategy in efforts to develop and attract tourists to Lon Malang Beach and to find out the inhibiting factors in using digital media as promotional media. This type of research uses a qualitative descriptive approach. Data collection using observation, interviews, and documentation as well as data analysis techniques with steps including data reduction, data presentation, and drawing conclusions. The research results show that apart from promotion through word of mouth, the use of digital platforms as promotional media is an appropriate and effective strategy to use in attracting tourists ' attention , interest and desire to visit Lon Malang beach. At the interest and action stage, it is effective in disseminating information related to Lon Malang beach tourism. Even though carrying out promotional activities via digital platforms is effective, there are obstacles in creating content experienced by the management and creative team of Lon Malang beach tourism.
MODEL PENGEMBANGAN KARAKTER ENTREPRENEURSHIP SANTRI MELALUI UNIT USAHA KOPONTREN DI PONDOK PESANTREN AL-HIKAM BURNEH BANGKALAN Ely Inriani; Taufiqur Rahman
PROCEEDING UMSURABAYA Prosiding Nasional " Perspektif Digitalisasi, Ekonomi, Dan Bisnis Pasca Pandemi"
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This article discusses the importance of developing the entrepreneurial character of students through the kopontren business unit (cooperative boarding school), which has a function to directly and significantly determine the development of entrepreneurial character through business units as a form of facilities provided by Islamic boarding schools as a form for developing the entrepreneurial nature of students who are must be set, there are many development models that are applied in the Islamic boarding school, one of which is the Bazaar, the Bazaar itself has a very large impact on the development of the entrepreneurial character of students in the Islamic boarding school so by doing this research I hope to be able to get a significant picture related to the model of entrepreneurship character development through the Kapontren business unit at the Al-Hikam Islamic Boarding School so that the entrepreneurial character development model through this business unit can be an alternative for developing entrepreneurial character For students, this study uses a qualitative approach where data collection techniques use documentation, observation and thorough interviews with several students at the Al-Hikam Islamic Boarding School and the administrators or coordinators who hold the Kopontren business unit at the boarding school. Meanwhile, for data analysis, the descriptive qualitative analysis serves to analyze or describe the situation from various data collected in interviews or direct observations that occur in the field.Keywords: entrepreneurship; development style; Islamic boarding school
STRATEGI KIAI DAN SANTRI DALAM MEWUJUDKAN KEMANDIRIAN EKONOMI PONDOK PESANTREN NURUL AMANAH BANGKALAN Moh Idris; Taufiqur Rahman
PROCEEDING UMSURABAYA Prosiding Nasional " Perspektif Digitalisasi, Ekonomi, Dan Bisnis Pasca Pandemi"
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The research departs from the importance of identification related to economic independence in Islamic boarding schools, which functions to see the involvement of Kiai and students in realizing the financial autonomy of pesantren phenomenologically because so far pesantren are only seen as Islamic da'wah institutions and educational institutions but pesantren as an institution for community empowerment. In the economic field, there are still many that have not been exposed in detail and in-depth. This study focuses on the goal, knowing the kiai's strategy in realizing the economic independence of the Nurul Amanah Santa Islamic Boarding School and the system of the santri in recognizing the financial autonomy of the pesantren. This method uses a qualitative approach where the data collection technique uses documentation, observation and thorough interviews with the Kiai and several students at the Islamic boarding school. The results of this study conclude 1). The kiai's strategy to realize the economic independence of Islamic boarding schools is to use capacity-building methods, strengthen institutions, transfer knowledge and strengthen networks. 2). The way of the santri in realizing the economic independence of the pesantren as assistant caregivers in learning the financial autonomy of the pesantren.Keywords: Strategy; Kiai; Santri; Economic Independence; Islamic Boarding School
Sharia Leasing as an Alternative Financing: SLR of Islamic Economics and Sharia Law Literature Moh. Sudirman; Taufiqur Rahman
Maklumat: Journal of Da'wah and Islamic Studies Vol. 3 No. 4 (2025)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/maklumat.v3i4.80

Abstract

Sharia leasing is an alternative financing based on sharia principles that is increasingly in demand as a substitute for conventional schemes. This instrument avoids usury, gharar, and maysir and emphasizes fair and transparent transactions in accordance with Islamic law. This study aims to conduct a systematic literature review (Systematic Literature Review/SLR) to identify basic concepts, views of muamalah fiqh, operational challenges, and prospects for its development in Indonesia. The method used is SLR with sources from databases such as Google Scholar, ScienceDirect, Scopus, and the Garuda Portal of the Ministry of Education and Culture for the 2018–2025 period. The literature was analyzed using a thematic approach to obtain a comprehensive picture. The results of the study indicate that sharia leasing has a strong basis in muamalah fiqh through contracts such as ijarah and its combinations. However, its implementation still faces challenges such as lack of harmonization of contracts, low public literacy, and the need to improve national regulations. As a solution, contract standardization, digitalization of sharia services, public education, and synergy between regulators, business actors, and academics are needed. The MSME and transportation sectors are strategic segments with increasing demand. The conclusion of the study states that sharia leasing has great potential as a modern Islamic economic instrument, as long as it is supported by strong policies and sustainable technological innovation.
Co-Authors A'yun, Indah Firdanilla Abdur Rohim Adinda Pramesti Indah Cahyani Adiyono Adiyono Affandi, Mahrus Afiza Ridha Zamzima Afrizal Zulkarnaein Agriana, Gita Ahmad Makhtum Ahmad Musadad Ahmad, Walid In'am Al Kautsar, Syahvergio Anugrah Alan Su'ud Ma'adi Alya, Ulka Anggraeni, Silvia Abni Ariffin, Mohd Faizal Noor bin Arsyad, Muhammad Rizal Aulia Urrohmah Dahruji Dahruji, Dahruji Dzikrulloh, Dzikrulloh Elita Putri Pradipta Ely Inriani Farid Ardyansyah Farid Ardyansyah Fidya Puji Ramadhani Fitriyah, Siti Lailatul Galuh Widitya Qomaro Hairul Umur Halimatuz Zahro Hanifah, Luluk Holis Holis Ianatus Sholeha Indah Firdanilla A'yun Isnaini Hikmah Hidayah Itsnaini, Fadhilatul Khasanah, Hanna Nur Khoiroh, Sabilatul Khoirun Nasik Khumairoh, Dzurorin Kurnia Fitri Salsabila LILIS SUAIBAH Lourensia Hani Luthfiyana Hidayatu Rohmah M. Syarifuddin Syarifuddin Ma’adi, Alan Su’ud Marshanda Ridia Amelia Masruroh Miftakur Rohman Misbahul Munir Moh Idris Moh. Nasrul Muslim Moh. Sudirman Mohamad Ali Hisyam, Mohamad Ali Mohammad Nizarul Alim Mohammad Syarifatul Mustofa Muhammad Ersya Faraby Muhammad Harun Mustaniroh, Mustaniroh Nur Baiti, Siti Nur Rizkiyah Ramadhani Nurul Jennah Permana, Dikki Pratiwi Nur Laili Putri Amalia Putri Rahayu Ningsih Putri, Filda Felisa Ribka Bunga Satya Banjarnahor Rikhe Dwi Nurdiyah Riris Tri Maulida Risa Umami Rizqiatul Camelia Romli, Moh. Rosita Ramadhani Salistia, Faisal Sa’adah, Nurus Siti Nur Baiti Siti Nur Halizah Sitti Halimah Sunariyah, Anik Syakira, Yulia Rachma Tri Pujiati Tri Pujiati Umi Qurrotul Aini Wahyu Setiawan Djodi Wasilatur Rohmah