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All Journal Jurnal El-Riyasah : Jurnal Kepemimpinan dan Administrasi Islam Futura Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Biometrika dan Kependudukan (Journal of Biometrics and Population) Ziswaf : Jurnal Zakat dan Wakaf Jurnal Studi Manajemen dan Bisnis Perisai : Islamic Banking and Finance Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Iqtishoduna: Jurnal Ekonomi Islam Al Maal: Journal of Islamic Economics and Banking Jurnal Ilmiah Edunomika (JIE) Proceedings of Annual Conference for Muslim Scholars JURNAL ILMIAH FEASIBLE (JIF) El-Qist : Journal of Islamic Economics and Business (JIEB) Mabny : Journal of Sharia Management and Business Asasi: Journal of Islamic Family Law Jurnal Ekonomi Syariah Jurnal Kebijakan Pembangunan Enrichment: Journal of Multidisciplinary Research and Development Multifinance Jurnal Pendidikan Islam
Iskandar Ritonga
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Enhancing Economic Empowerment through Productive Zakat: A Case Study of Coastal Communities Cak Kaji Program by BAZNAS, Indonesia ZA, Moh. Ah. Subhan; Wirasabda, Miftahal Anjar; Marpuah, Siti; Ritonga, Iskandar
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 1 (2025): April
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i1.2919

Abstract

This study explores the role of productive zakat in fostering sustainable economic empowerment among coastal communities, using the Cak Kaji Program implemented by the National Board of Zakat (BAZNAS) in Gresik, Indonesia. The research examines how zakat, as a core instrument in Islamic economics, can transcend traditional charitable functions and contribute to long-term socioeconomic development. The result is the empowerment through several programs, namely rolling livestock, micro finance and rombong assistance for small seller. This study it can be concluded that the community empowerment program through the distribution of productive zakat carried out by Baznas Gresik is already good, where Baznas Gresik has provided alternative livelihoods, capital access, technology access, markets access, and the collective action development. But there is something that needs to be improved in alternative livelihoods and access to markets. Baznas Gresik needs to add types of empowerment programs so that there are more choices for mustahiq businesses and create a market for the results of mustahiq businesses so that they can be well absorbed by consumers. The study contributes to the broader discourse on the operationalization of Islamic economic principles in contemporary development frameworks, offering insights for policymakers, zakat institutions, and development practitioners worldwide.
Implementasi Risk Management Pada Pembiayaan Tabarok (Studi Kasus di BPRS SPM Pamekasan) Basyirah, Luthfiana; Ritonga, Iskandar; Mugiyati
Mabny: Journal of Sharia Management and Business Vol. 1 No. 2 (2021): Mabny : Journal of Sharia Management and Business
Publisher : Faculty of Islamic Economics and Business, State Islamic Institute of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/mabny.v1i02.4812

Abstract

Pembiayaan Tabarok (Tanpa Agunan dan Barokah) merupakan salah satu produk yang disalurkan oleh Bank Pembiayaan Rakyat Syariah SPM Pamekasan kepada masyarakat dengan menerapkan akad muḍārabah dan tanpa agunan dalam melaksanakan aktivitas UMKM. Sejak terjadi kasus Covid-19 (Corona Virus Disease- 19) yang semakin meluas di Indonesia menyebabkan lumpuhnya kondisi sosial dan ekonomi masyarakat. Tidak bisa dipungkiri bahwa hal tersebut akan sangat berpengaruh dan menyebabkan beberapa permasalahan khususnya dalam berbagai kegiatan sosial dan ekonomi. Hal tersebut juga akan berpengaruh terhadap kegiatan Perbankan Shariah, termasuk BPRS SPM Pamekasan yang akan dihadapkan dengan beberapa risiko dengan tingkatan kompleksitas yang berbeda-beda, hal tersebut akan terus berdampingan dengan kegiatan bisnis. Dengan demikian, suatu lembaga perlu melakukan implementasi manajemen risiko dengan tujuan untuk mencegah adanya risiko pembiayaan yang kemungkinan terjadi di kemudian hari. Tujuan dalam penelitian ini untuk mengetahui implementasi risk management pada pembiayaan Tanpa Agunan dan Barokah di BPRS SPM Pamekasan dengan menggunakan pendekatan kualitatif dan jenis penelitian studi kasus. Hasil penelitian menyatakan bahwa, implementasi risk management pada pembiayaan Tabarok di BPRS SPM Pamekasan menggunakan 5 (lima) proses manajemen risiko, yaitu identifikasi risiko, pengukuran risiko, monitoring risiko, pengendalian risiko, dan penyelamatan risiko.
Effectiveness of Qris on Payment Efficiency Systems in Perspective of Maslahah Mursalah Bustamir, Aidil; Hidayati, Athi’; Febriyanti, Novi; Ritonga, Iskandar; Nurhayati
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 3 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i3.385

Abstract

This quantitative study investigates the impact of QRIS financial literacy and e-wallet promotions on the cashless society phenomenon, while also exploring its social-religious implications through the lens of Maslahah. Using a mixed-method approach, the study collected data from East Java residents who had used QRIS or e-wallets at least once, through accidental sampling. Quantitative data were analyzed using SmartPLS 3.0, complemented by qualitative interviews. The results show that QRIS financial literacy has no significant effect on the growth of the cashless society. Although literacy levels are increasing, they are not consistently followed by QRIS usage due to the availability of diverse non-cash alternatives. In contrast, e-wallet promotions have a significant and positive influence on cashless behavior. Respondents are more likely to adopt e-wallets due to attractive promotions and the influence of their social environment. From a Maslahah perspective, the cashless society has the potential to deliver social and economic benefit but also poses risks—particularly if it fuels impulsive, non-beneficial consumption. Maslahah serves as a guiding framework, encouraging the cashless movement to align with values that promote communal well-being and ethical financial behavior. This study recommends that Bank Indonesia intensify financial education on QRIS to boost adoption. Meanwhile, e-wallet platforms should continue offering positive promotional strategies to enhance user engagement while aligning with Maslahah principles to ensure responsible usage.
ISLAMIC ENTREPRENEURSHIP IDENTITY IN THE INDONESIAN HIJRAH COMMUNITY Kunaifi, Aang; Djamaluddin, Burhan; Fauzia, Ika Yunia; Ritonga, Iskandar; Nurhayati, Nurhayati; Syam, Nur; Widiastuti, Tika; Ahsan, Muhamad
Multifinance Vol. 2 No. 1 (2024): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v2i1.140

Abstract

This research aims to describe how Islamic entrepreneurship is implemented in the Hijrah community as a model that represents the identity of each community. The research was conducted using qualitative methods with a case study strategy. Data collection was carried out using observation, interviews, and documentation techniques. The research subjects were the Indonesian Muslim Entrepreneurs Community (KPMI), the Muslim Entrepreneurs Alliance (Assalim), and the Indonesian Business Islamic Boarding School (PBI). Data was collected from field observations and participant observations. There were 22 informants interviewed in-depth, three of whom were experts. Informants came from several regions, including Java, Sumatra, Bali, NTB, Sulawesi, and Kalimantan. The resulting documentation is in the form of brochures, photos of community activities, and digital information on websites, Facebook, Instagram, and WhatsApp groups. Data analysis was carried out by deducing theoretical propositions regarding the implementation of Islamic entrepreneurship in the hijrah community and developing them inductively to describe new findings and propositions. Based on the research results, it was found that the hijrah community implemented Islamic entrepreneurship in various identities, namely salaf-preneurship in the KPMI community, ideo-preneurship in the Assalim community, and spiritual-preneurship in the PBI community. The implication of this research is the development of Islamic entrepreneurship theory, which can be implemented widely by society.
Systematic Literatur Review of Productive Waqf in Indonesia and Their Contribution to SDGs Sa’adah, Tsuroyya Putri; Ritonga, Iskandar; Latifah, Fitri Nur; Mugiyati, Mugiyati
Perisai : Islamic Banking and Finance Journal Vol 9 No 1 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i1.1802

Abstract

The developing waqf management models is still focused on traditional sectors such as agriculture, plantations, and using waqf assets in building and land. This research aims to summarize models of productive waqf management in Indonesia. the method employed in this study is the Systematic Literature Review (SLR). The research questions were formulated using the PICOC criteria, which included population, intervention, comparison, outcomes, and context. As a result, several studies were identified that describe successful models of productive waqf management, which can serve as literacy resources for each nadzir’s waqf institution throughout Indonesia.
SYSTEMATIC LITERATURE REVIEW (SLR): PERAN CIRCULAR ECONOMY DALAM MENGURANGI LIMBAH INDUSTRI HALAL FASHION PERSPEKTIF MAQASHID SHARIAH Mursilah, Pembayun; Ritonga, Iskandar; Mugiyati; Muhaimin, Hikmah
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 3 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i3.17868

Abstract

The rapid growth of the halal fashion industry raises concerns about the environment, particularly regarding textile waste, which contradicts the principles of sustainability in Islam. This study aims to analyze the role of the circular economy in waste reduction within the halal fashion industry from the perspective of Maqashid Syariah. Employing the Systematic Literature Review (SLR) method, this research examines previous studies focused on the application of the circular economy in the halal fashion sector. The findings indicate that circular economy principles, such as reuse, recycling, and extending product life, significantly contribute to waste reduction and align with Maqashid Syariah, particularly in preserving wealth (hifz al-mal) and the environment (hifz al-biah). The study concludes that integrating the circular economy with the principles of Islamic economics promotes a more sustainable and competitive halal fashion industry. A key implication of this research is the necessity for collaboration among policymakers, industry stakeholders, and consumers to establish regulations and practices that foster a sustainable halal fashion business ecosystem.
Systematic Literature Review (SLR): Strategi Eksistensi KSPPS Dalam Menghadapi Pandemi Covid-19 Rukmana, Siti; Ritonga, Iskandar; Latifah, Luluk
JURNAL ILMIAH FEASIBLE: Bisnis, Kewirausahaan dan Koperasi Vol 4 No 1 (2022): JURNAL ILMIAH FEASIBLE (JIF): Bisnis, Kewirausahaan dan Koperasi
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/fb.v4i1.2022.19-30.17324

Abstract

Strategi eksistensi KSPPS sangat penting dan berperan terhadap keberlanjutan koperasi terlebih menghadapi pandemi covid-19. Perekonomian koperasi merupakan tanggung jawab pemerintah, pelaku koperasi dan anggota koperasi yang berpartisipasi. Tujuan dari penelitian ini adalah mengetahui bagaimana strategi eksistensi KSPPS ditinjau dari teori praktek serta implementasi dari pelaksanaan strategi tersebut. Metode systematic literature review ini didapat melalui jurnal yang dipublikasi dimulai pada tahun 2011 sampai tahun 2021 atau dengan rentang waktu selama 10 tahun. Permasalahan yang sering dihadapi oleh KSPPS didasarkan pada faktor internal maupun eksternal. Koperasi harus melakukan analisa baik analisa SWOT dan yang lainnya untuk mengetahui posisi koperasi sehingga dapat membentuk strategi eksistensi KSPPS. Strategi eksistensi KSPPS dapat berhasil apabila mendapatkan dukungan dan peranan dari seluruh elemen koperasi. Koperasi dapat membuat strategi jangka pendek maupun jangka panjang. Koperasi harus menjunjung tinggi administrasi dan kejujuran dalam bertransaksi karena hal  ini berpengaruh terhadap kepercayaan anggota. Anggota akan loyal kepada koperasi apabila koperasi juga menjalankan hak anggota yaitu pembagian hasil usaha (SHU).
Socio-Physical and Spiritual Environment (SPaSE) Model For Religious Moderation in Madrasa Asrohah, Hanun; Junaedi; Ritonga, Iskandar
Nazhruna: Jurnal Pendidikan Islam Vol. 8 No. 1 (2025): Transformative Islamic Education in Pesantren and Madrasah
Publisher : Universitas Pesantren Kh abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/nzh.v8i1.111

Abstract

This research examines the role of the Socio-Physical and Spiritual Environments (SPaSE) Model in developing religious moderation. PLS-SEM (Partial Least Square- Structural Equational Models) was used for this study to create a Social, Physical, and Spiritual Environments (SPaSE) Model for developing attitudes toward religious moderation. SEM is used in statistical techniques that measure the strength of the hypothetical relationship between variables in a model as a structure with many dependent variables. This research found that the SPaSE model represents a holistic madrasa environment with mutual relationships. In a social space, a transfer of values instills attitudes to being a good citizen. A positive social environment can promote students' social and emotional learning development to prevent intolerant behavior. Prevention may involve the physical environment, namely learning facilities, which become information about attitudes, values, and ethics in Islam compatible with a pluralistic society and prevent extremism and radicalism. The spiritual environment, as mediation and legitimacy, influences the worldview of a large group of people. This research concludes that the social, physical, and spiritual environment is significantly related to religious moderation attitudes in madrasas. The SPaSE model illustrates that students can gain specific meanings and identities through social interaction assisted by the values ​​of religious moderation. The values ​​of religious moderation that originate from Islam are the doctrines or teachings of Islam as a spiritual environment that is accustomed through social interaction and learning facilities. The SPaSE model is very important in madrasahs because it can promote attitudes and perspectives of religious moderation in madrasahs.
Restoring The Golden Glory: Tracing The Implementation of Dinar-Dirham In The Financial System of Prophet Muhammad And its Significance as a Global Currency Muhammad Syahrul Hidayat; Aksana, Didik Supardana Setia; Mazidah, Nurul; Ritonga, Iskandar; Nurhayati
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2874

Abstract

This study explores the concept of Dinar and Dirham, their use during the Prophet's era as mediums of exchange, evaluates their strengths and weaknesses, and analyzes their potential as international currencies to address currency crises and inflation. A qualitative method is employed in this study, involving the collection and analysis of data from various literary sources through a descriptive analysis approach. The research findings reveal that Dinar and Dirham, although adopted from Roman and Persian cultures, were chosen due to the robust stability provided by gold as the underlying value of Dinar. However, the use of Dinar and Dirham cannot directly serve as an alternative to address the economic problems caused by currencies. Limited gold supply and vulnerability to criminal misuse are key drawbacks of Dinar and Dirham. Moreover, economic issues and crises stem not only from currency problems but also from various other contributing factors. Nevertheless, the reintroduction of the concept of Dinar and Dirham as relevant currencies to address modern currency crises is still worth considering. With a clear understanding of their strengths and weaknesses, and careful management of related issues, Dinar and Dirham have the potential to help address today's global currency crises and inflation.
Gerakan Ekonomi Islam Konservatif-Politik, Wajah Konstruktivisme Kewirausahaan Komunitas Hijrah Indonesia Kunaifi, Aang; Djamaluddin, Burhan; Fauzia, Ika Yunia; Ritonga, Iskandar; Nurhayati; Syam, Nur; Widiastuti, Tika; Ahsan, Muhamad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October (On Progress)
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3192

Abstract

One can interpret the hijra community's economic impact in Indonesia as both beneficial and detrimental. The purpose of this paper is to elucidate the typology of the Indonesian Islamic entrepreneurial movement and the hijrah community movement's compromise model for economic rules. Observations at community business locations, interviews with entrepreneurs in 10 communities, documentation in the form of brochures, photos of activities, and information on Facebook, Instagram, and WhatsApp groups were used in the research, which followed a case study methodology. Three of the 22 informants who were thoroughly questioned were expert informants. The regions of origin of the informants included Java, Sumatra, Bali, NTB, Sulawesi, and Kalimantan. To generate fresh hypotheses, data were examined using theoretical PPIM and Carter and Banker's hijra community typology propositions. The study's findings demonstrate the political conservatism of the hijra community's Islamic economic movement. Specifically, the dominant economic system, the Islamic economic movement, aims to replace conventional or ribawi economics, or is portrayed as such in the dual system notion.
Co-Authors Aang Kunaifi Abu Yasid Ahsan, Muhamad Aksana, Didik Supardana Setia Basyirah, Luthfiana Burhan Djamaluddin Bustamir, Aidil Eka Nur Janah Eka Purwati Fathor AS Fatimatul Fatmariyah Fatkur Huda Febriyanti, Novi Fitri Nur Latifah Ghozali , Lathoif Ghozali, Muhammad Lathoif Hanun Asrohah Hidayati, Athi’ Hikmah Muhaimin Ika Yunia Fauzia Itsnaini, Putri Intan JUNAEDI Khusnul Fikriyah Kusaeri Kusaeri Lathoif Ghozali Luluk Latifah Luluk Latifah Mahmudah, Siti Nur Mansur Mansur Mansur Mansur Mazidah, Nurul Mufa'izah Mufa'izah Mufa’izah, Mufa’izah Mugiyati Mugiyati Mugiyati, Mugiyati Muhammad Lathoif Ghozali Muhammad Syahrul Hidayat Mursilah, Pembayun Mustofa Mustofa Nur Syam Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Putri Intan Itsnaini Rafiqi Ihsan Rukmana, Siti Sa’adah, Tsuroyya Putri Sembiring, Rinawati Siti Marpuah, Siti Siti Rukmana Solly Aryza Tika Widiastuti Warang, Japri Yusrifal Wirasabda, Miftahal Anjar Yunia Aprilia ZA, Moh. Ah. Subhan