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STRATEGI PENGEMBANGAN KEWIRAUSAHAAN ASNAF FAKIR DAN MISKIN MELALUI BANTUAN MODAL ZAKAT YAYASAN DANA SOSIAL AL-FALAH (YDSF) SURABAYA Itsnaini, Putri Intan; Ritonga, Iskandar
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 7 No. 1 (2017): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2017.7.1.1376-1389

Abstract

Penelitian yang berjudul “Strategi Pengembangan Kewirausahaan Asnaf Fakir dan Miskin Melalui Bantuan Modal Zakat Yayasan Dana Sosial Al-Falah (YDSF) Surabaya” ini merupakan penelitian kualitatif yang bertujuan menjawab pertanyaan tentang apa saja strategi yang digunakan untuk mengembangkan kewirausahaan asnaf fakir dan miskin melalui bantuan modal zakat YDSF Surabaya serta apa saja faktor pendukung dan penghambat strategi pengembangan kewirausahaan asnaf fakir dan miskin melalui bantuan modal zakat YDSF Surabaya. Metodologi penelitian yang digunakan adalah pendekatan kualitatif. Data dalam penelitian ini dikumpulkan dan dianalisis secara sistematis. Pengumpulan data dilakukan dengan cara wawancara secara langsung dengan informan dalam penelitian ini, yaitu penanggung jawab KUM Rohmad Hidayat, bagian umum Dian Fardiana, bagian penghimpun Khoirul Anam serta beberapa mustah}iq (fakir dan miskin). Hasil penelitian menunjukkan bahwa strategi yang digunakan oleh YDSF Surabaya dalam mengembangkan kewirausahaan asnaf fakir dan miskin melalui bantuan modal zakat adalah sebagai berikut: Pemberian bantuan modal usaha, memberikan motivasi moril berupa pengajian umum (Ta’lim) diskusi keagamaan dan lain-lain, memberikan pelatihan kewirausahaan serta praktik lapangan. Faktor pendukung strategi pengembangan kewirausahaan asnaf fakir dan miskin melalui bantuan modal zakat adalah terdapatnya komunitas yang kuat, adanya dukungan penuh dari YDSF Surabaya baik dana maupun mental serta adanya mitra kerja kelompok pelaku usaha yang saling menguntungkan. Sedangkan faktor penghambatnya adalah kurangnya pengetahuan bagi asnaf fakir dan miskin mengenai kewirausahaan, kurangnya SDM dalam pembinaan dan pelatihan serta kemajuan teknologi yang masih kurang. Melihat keadaan mustah}iq (asnaf fakir dan miskin) tersebut hendaknya YDSF Surabaya untuk lebih memaksimalkan strategi pengembangan kewirausahaan ke daerah daerah yang lebih luas agar semakin banyak mustah}iq yang berubah menjadi muzakki kedepannya.
STRATEGI PONDOK PESANTREN SUNAN DRAJAT DALAM MENGIMPLEMENTASIKAN BRANDING SEBAGAI PONDOK KEWIRAUSAHAAN DAN IMPLIKASINYA TERHADAP JIWA KEWIRAUSAHAAN SANTRI Mufa'izah, Mufa'izah; Ritonga, Iskandar
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 7 No. 2 (2017): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2017.7.2.1495-1509

Abstract

Penelitian yang berjudul “Strategi Pondok Pesantren Sunan Drajat dalam Mengimplementasikan branding Sebagai Pondok Kewirausahaan dan Implikasinya Terhadap Jiwa Kewirausahaan Santri”. Ini merupakan penelitian kualitatif yang bertujuan menjawab pertanyaan tentang apa dan bagaimana strategi Pondok Pesantren Sunan dalam mengimplementasikan branding sebagai pondok kewirausahaan dan bagaimana implikasinya terhadap santri serta faktor apa yang menjadi penghambat dna pendukung dalam pengimpleementasian branding sebagai pondok kewirausahaan. Metodologi penelitian yang digunakan adalah pendekatan kualitatif. Data dalam penelitian ini dikumpulkan dan dianalisis secara sistematis. Pengumpulan data dilakukan dengan wawancara secara langsung dengan informan dalam penelitian ini, yaitu Kepala perekonomian Pondok Pesantren Sunan Drajat beserta staff dan santri Pondok Pesantren Sunan Drajat. Hasil penelitian menunjukkan bahwa Strategi yang dilakukan oleh Pondok Pesantren Sunan drajat dalam mengimplementasikan branding sebagai pondok kewirausahaan dilakukan dengan cara sebagai berikut : Pengitegrasian ke dalam lembaga formal (kurikulum) , Pengintegrasian ke dalam Lembaga non Formal (Pengajian), Pelatihan dan Praktik Lapangan. Dari kelima strategi yang paling berpenggaruh dalam jiwa kewirausaahaan santri adalah pengajian yang dilakukan oleh kiai, hal tersebut dapat dibuktikan dari 10 Informan yang telah dikumpulkan oleh peneliti 7 diantaranya termotivasi untuk membuka usaha dari nasehat, motivasi yang diberikan oleh kiai. Faktor yang membuat pengajian yang dilakukan oleh kiai menjadi sangat berpengaruh dikarenakan keberadaan kiai yang menjadi sentral pondok pesantren. Faktor Pendukung dan Penghambat Pengimplementasian Branding Sebagai Pondok Wirausaha, terdapatnya berbagai macam usaha dengan berbagai bidang yang berbeda dalam pondok pesantren, terlibatnya santri dalam unit usaha pondok pesantren, dukungan yang penuh dari pengasuh pondok pesantren. Sedangkan faktor penghambatnya anatara lain : Kurangnya kesadaran santri mengenai enterpreuner, padatnya jadwal kegiatan santri, dan Minimnya SDM. Melihat keadaan tersebut hendaknya Pondok Pesanren Sunan Drajat, untuk lebih memaksimalkan strategi branding kewirausahaan yang tidak hanya terpusat pada pengasuh dan ustadz tetapi juga pada kurikulum lembaga formal. Hendaknya pengintegrasian kurikulum kewirausahaan kedalam lembaga formal melibatkan semua lembaga formal yang ada di Pondok pesantren Sunan Drajat.
Distribusi Kekayaan dalam Islam: Tinjauan Al-Qur'an atas Solusi Ketimpangan Ekonomi Global Tasriani, Tasriani; Afifah, Dhiya Dwi; Arum, Hafidza Sanshia; Ritonga, Iskandar; Nurhayati, Nurhayati
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 14 No. 2 (2024): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2024.14.2.167-184

Abstract

This study critically examines Qur'anic principles of wealth distribution as a potential solution to global economic inequality. Employing a qualitative, thematic tafsir-based analysis of selected Qur'anic verses, the research reveals that Islamic instruments such as zakat, infaq, sadaqah, and waqf (ZISWAF) offer a comprehensive and morally grounded framework for addressing structural poverty and socio-economic disparities. Rooted in the maqāṣid sharī‘ah paradigm, these mechanisms aim to ensure social justice by mandating ethical wealth circulation, protecting essential human rights, and countering the concentration of resources among economic elites. Despite their transformative potential, the implementation of these instruments in modern contexts faces challenges, including limited institutional transparency, fragmented regulation, and low public participation. This study contributes to global academic discourse by demonstrating how Qur'anic economic ethics can inform inclusive fiscal policies and sustainable development models. It recommends policy reforms integrating digital financial technologies, standardized zakat-wakaf governance, and stronger state–Islamic institution collaboration. Future research is encouraged to expand empirical evaluations of Islamic wealth redistribution mechanisms in diverse socio-economic contexts and to compare their effectiveness against conventional capitalist systems.   Penelitian ini mengkaji secara kritis prinsip-prinsip distribusi kekayaan dalam Al-Qur'an sebagai solusi potensial terhadap ketimpangan ekonomi global. Dengan menggunakan pendekatan kualitatif melalui analisis tafsir tematik terhadap ayat-ayat Al-Qur'an yang relevan, studi ini menunjukkan bahwa instrumen Islam seperti zakat, infak, sedekah, dan wakaf (ZISWAF) menawarkan kerangka kerja yang komprehensif dan berlandaskan moral untuk mengatasi kemiskinan struktural dan kesenjangan sosial-ekonomi. Berakar pada paradigma maqāṣid sharī‘ah, mekanisme ini bertujuan mewujudkan keadilan sosial melalui sirkulasi kekayaan yang etis, perlindungan hak-hak dasar manusia, serta pencegahan konsentrasi sumber daya pada elit ekonomi. Meskipun memiliki potensi transformatif, implementasi instrumen-instrumen tersebut dalam konteks kontemporer masih menghadapi tantangan, seperti rendahnya transparansi kelembagaan, regulasi yang belum terintegrasi, dan partisipasi masyarakat yang terbatas. Penelitian ini memberikan kontribusi pada wacana akademik global dengan menunjukkan bagaimana etika ekonomi Al-Qur'an dapat menginspirasi kebijakan fiskal inklusif dan model pembangunan berkelanjutan. Reformasi kebijakan yang disarankan mencakup integrasi teknologi keuangan digital, standarisasi tata kelola zakat-wakaf, serta penguatan kolaborasi antara negara dan institusi Islam. Penelitian selanjutnya direkomendasikan untuk memperluas evaluasi empiris atas mekanisme distribusi kekayaan Islam di berbagai konteks sosial ekonomi, serta membandingkan efektivitasnya dengan sistem kapitalisme konvensional.
Non Performing Financing dan Dana Pihak Ketiga: Pengaruhnya Terhadap Laba Bank Syariah di Indonesia Ritonga, Iskandar
Proceedings of Annual Conference for Muslim Scholars Vol 3 No 1 (2019): AnCoMS 2019
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v3i1.290

Abstract

This paper undertakes a survey of the sharia banking case studies on Non Performing Financing (NPF), saving and time deposit. The aim is to provide an understanding of the multiplier and also forecast the Return On Asset (ROA). Hence, to accomplish this provide, the quarterly data from the best six sharia bank in Indonesia were analyzed. This study employs multiple regressions analysis.The result shows that the return on asset of Indonesian sharia banking positively supported by saving. The negative effect on ROA areshown by time deposit and NPF.
IMPLEMENTATION OF SHARIA MAQASHID ON SUKUK BASED ON FATWA DSN-MUI/IX/2020 Mahmudah, Siti Nur; Ghozali, Muhammad Lathoif; Ritonga, Iskandar
Islam Futura Vol 22 No 2 (2022): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v22i2.12296

Abstract

Sukuk is an alternative option for government or corporate funding in the capital market for the sake of progressing the national economy. With the issuance of sukuk, the government or companies will get substantial funds. This is an attraction to help improve infrastructure development carried out by the government or companies. The approach taken in this research is a qualitative approach with library research type and is useful in collecting primary and secondary data sources in the form of documentation because it comes from several books, journals and other literature. The last step is data analysis through descriptive analysis method, namely data reduction, data display, and conclusion. The results of this study are the needs that can be met with the existence of sukuk, namely dharuriyah (mandatory needs), Hajiyyat (secondary needs), Tahsiniyyat (tertiary needs). This research was conducted with the aim of analyzing the benefits of issuing sukuk for a country from the perspective of maqashid sharia about sukuk
SYSTEMATIC LITERATURE REVIEW (SLR): SHOPPING LIFESTYLE CULTURE OF STUDENTS OF THE DARUL 'ULUM ISLAMIC BOARDING SCHOOL IN FASHION SHOPPING ON E-COMMERCE Mi’raj, Denizar Abdurrahman; Khusnia, Nur; Ritonga, Iskandar; Syarif, Mas Abdullah
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 9 No 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i1.9664

Abstract

Penelitian ini bertujuan untuk mengkaji secara sistematis fenomena shopping lifestyle santri di lingkungan Pondok Pesantren Darul ‘Ulum, khususnya dalam konteks belanja fashion melalui platform e-commerce. Dalam beberapa tahun terakhir, kemajuan teknologi dan digitalisasi turut memengaruhi pola konsumsi santri yang hidup dalam lingkungan pesantren yang tradisional. Studi ini menggunakan metode Systematic Literature Review (SLR) untuk mengidentifikasi, mengevaluasi, dan menganalisis publikasi-publikasi ilmiah yang relevan. Fokus utama penelitian ini mencakup perubahan gaya hidup berbelanja santri serta keterlibatan mereka dalam e-commerce, terutama dalam kategori fashion. Temuan kajian SLR terhadap sembilan publikasi ilmiah mengungkap bahwa perilaku konsumtif generasi muda Muslim Indonesia di e-commerce dipengaruhi oleh interaksi kompleks antara nilai keislaman, gaya hidup modern, faktor psikologis, dan kemajuan teknologi digital. Empat kategori utama yang muncul meliputi: perilaku konsumen Muslim yang dipengaruhi religiusitas dan nilai syariah; dorongan impulse buying yang berkaitan dengan gaya hidup dan emosi; perubahan pola konsumsi akibat digitalisasi; serta nilai dan etika konsumtif dalam Islam yang menekankan kesadaran moral.
Systematic Literature Review (SLR) Makna Halalan Thayyiban Bagi Konsumen Muslim pada Produk Makanan di Kabupaten Gresik: Studi Fenomenologi di Toko UD Adji Jaya Makmur Walid In'am Ahmad; Iskandar Ritonga; Mugiyati; Lilik Rahmawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (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.v7i8.7976

Abstract

Halalan thayyiban is an important legitimacy that must be owned by every business, especially in food products or products such as beauty and so on as a benchmark for safety and to increase consumer awareness of the importance of using products that already have halal certification and food labeling logos greatly affect the quality of the product. This study aims to determine how the public's perception, especially for Muslim consumers, is in understanding or interpreting food products that are halal thayyiban and how to solve problems related to challenges and opportunities faced by Indonesia in halal certification of food products that are in accordance with applicable BPJPH or LPH regulations. This study uses the SLR paradigm approach or systematic literature review obtained from journals that have been published from 2015 to 2024 after being traced, the results obtained show that there is still a lack of public understanding of the importance of halal certification for a food product because many people still think that food products that do not contain pork, alcohol and the like are included in products that are halal for consumption, but halal standardization is not only seen in terms of product ingredients but also from the production process of using clean kitchen utensils, kitchen sanitation or clean production areas and the like which are very important aspects in assessing the halal standardization of food products that are in accordance with applicable procedures and currently the demand for foreign products, especially halal-certified food or beauty products, is in great demand abroad because it is considered that the goods to be consumed have standardization and go through a very strict process so that they are considered safe for direct consumption can increase the export value of Indonesia in advancing MSME products, especially the halal industry which is currently increasing
Socio-Physical and Spiritual Environment (SPaSE) Model For Religious Moderation in Madrasa Hanun Asrohah; Junaedi; Iskandar Ritonga
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.
Sharia Service Strategy Model Based on Islamic Business Ethics Frastuti, Melia; Ritonga, Iskandar; Utami, Tri Niswati; Saputera, Satria; Veny, Harumi
EQUILIBRIUM Vol 13, No 2 (2025): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v13i2.34907

Abstract

This study addresses the lack of an integrated model connecting Sharia compliance, Islamic business ethics, service quality, and social benefits in Islamic private hospitals. Using the Analytic Network Process (ANP) and expert judgments from hospital managers and regulators in Pekanbaru, the research develops a Sharia service strategy model grounded in Islamic business ethics.The findings show that Service Quality has the highest priority (0.261), followed by Maslahah (Social Benefits) (0.252), Sharia Compliance (0.246), and Islamic Business Ethics (0.241), indicating that all dimensions are equally important and mutually reinforcing. This study offers an original integrative framework that combines ethical, regulatory, operational, and social aspects, providing theoretical contributions to Islamic healthcare governance and practical guidance for strengthening Sharia-based hospital services.
Do Islamic Work Ethic and Shariah Marketing Mix Influence Muzakki Loyalty via Institutional Image? Fikriyah, Khusnul; Kusaeri, Kusaeri; Ritonga, Iskandar
ZISWAF Vol 11, No 1 (2024): ZISWAF: JURNAL ZAKAT DAN WAKAF
Publisher : UIN Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/ziswaf.v11i1.19124

Abstract

This study aims to examine both the direct and indirect effect of Islamic work ethic and sharia marketing mix variables on muzakki loyalty with institutional image serving as a mediating element. This examination was conducted at Amil Zakat Institution in East Java using quantitative methods. Data Collection was carried out using a survey method via questionnaire distributed to muzakki of Amil Zakat Institution in East Java. Subsequently, the data was further processed using SmartPLS 4. The results showed that both Islamic Work Ethic and Sharia marketing mix had a positive and significant direct effect on muzakki loyalty. Furthermore, indirect testing with institutional image as a mediating variable showed that Islamic Work Ethic and Sharia marketing mix positively and significantly influenced muzakki loyalty. These discoveries could be applied to improve zakat institution management, particularly in marketing and human resources, thereby enhancing muzakki loyalty and potentially increasing national zakat receipts in the long term.