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All Journal Jurnal Sosio Ekonomika Bisnis Al-Tahrir: Jurnal Pemikiran Islam Kodifikasia: Jurnal Penelitian Islam Jurnal Intelektualita: Keislaman, Sosial, dan Sains Intizar MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal Ilmiah Ekonomi Islam El-Barka: Journal of Islamic Economics and Business Jurnal Entitas Sosiologi Focus : Jurnal Pekerjaan Sosial Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Invest Journal of Sharia & Economic Law Action Research Literate (ARL) Etihad: Journal of Islamic Banking and Finance Journal of Islamic Economics Niqosiya: Journal of Economics and Business Research Journal of Islamic Philanthropy and Disaster Jurnal Al-Hakim : Jurnal Ilmiah Mahasiswa Studi Syariah, Hukum dan Filantropi Muslim Heritage Istithmar: Jurnal Studi Ekonomi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Economics, Law, and Humanities Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy An-Nisbah: Jurnal Ekonomi Syariah Journal of Aswaja and Islamic Economics AL MAQRIZI: Jurnal Ekonomi Syariah dan Studi Islam Falahiya Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Ekopedia: Jurnal Ilmiah Ekonomi ZISWAF: Jurnal Zakat dan Wakaf Jurnal Kajian Hukum dan Sosial Edupreneurship; Jurnal Pendidikan Ekonomi
Luhur Prasetiyo
Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Bay' al-Murabahah: Mendudukkan Kembali Posisinya dalam Perbankan Syari’ah Luhur Prasetiyo
Justicia Islamica Vol 9 No 2 (2012)
Publisher : Faculty of Sharia UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/justicia.v9i2.347

Abstract

Nowadays, Mura>bah}ah transaction becomes the most popular product which shari>’ah banking uses to sell its assets for amount of reasons. Total amount of shari>’ah banks store and transact their assets (fund) in mura>bah}ah system. The reason is that this product has not only small risk but also ease to manage related to muz}a>rabah and musha>rakah system. In the other hand, Many people don’t understand mura>bah}ah mechanism precisely. They often think that mura>bah}ah mechanism is as credit as well. It is, in fact, that mura>bah}ah system is a cash transaction which shari>’ah banks have. This paper is to elaborate mura>bah}ah system as a product of shari>’ah banking.
The Formulation of Islamic Bank Performance Based on Contemporary Maqasid al-Sharia Luhur Prasetiyo; Khusniati Rofiah
Justicia Islamica Vol 18 No 2 (2021)
Publisher : Faculty of Sharia UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/justicia.v18i2.3163

Abstract

The current measurement of the performance of Islamic banks is more on financial performance. Islamic banks have two significant roles different from conventional banks: business and social. Financial performance evaluates the business role of Islamic banks. Meanwhile, the social role of Islamic banks has not yet received an equal portion of the measurement. This article proposes an Islamic bank performance measurement system based on Sharia economic goals. This formulation is necessary to adjust the performance assessment of Islamic banks based on Islamic economic goals. By using content analysis, this research used the contemporary Maqasid al-sharia approach. To formulate a measurement of the Islamic bank performance based on the roles and objectives of Islamic economics, contemporary maqasid al-sharia was employed as the construction basis. Based on the contemporary maqasid al-sharia, the Islamic bank's performance formulation can be broken down. Then, factors in assessing Islamic bank performance can be determined on financial and social aspects. Thus, Islamic banks are in line with the goals of Islamic economics, fighting for justice and the welfare of the community (falah), the objectives of sharia (maqasid al-sharia), and the primary goal of Islamic law (masalih al-'ibad).
Kontrak dan manajeman Islam: Sebuah Analisa Terhadap Transaksi Letter of Credit Luhur Prasetiyo
Justicia Islamica Vol 7 No 2 (2010)
Publisher : Faculty of Sharia UIN Kiai Ageng Muhammad Besari Ponorogo

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

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan prinsip-prinsip kontrak dan manajemen Islam dalam transaksi Letter of Credit (L/C), khususnya dalam konteks perdagangan internasional. Dalam praktiknya, L/C merupakan instrumen perbankan yang krusial untuk menjamin pembayaran antara eksportir dan importir. Namun, dari sudut pandang ekonomi Islam, terdapat sejumlah aspek yang perlu ditinjau ulang agar sesuai dengan prinsip-prinsip syariah seperti keadilan, transparansi, dan larangan terhadap riba serta gharar. Kajian ini menggunakan pendekatan kualitatif deskriptif melalui studi pustaka dan analisis konten terhadap literatur fikih muamalah dan praktik perbankan syariah kontemporer. Hasil penelitian menunjukkan bahwa meskipun L/C konvensional pada dasarnya mengandung unsur jaminan dan kepercayaan, beberapa komponennya—seperti bunga atas keterlambatan pembayaran atau biaya administrasi tidak transparan—dapat bertentangan dengan prinsip syariah. Oleh karena itu, penting untuk merumuskan model L/C syariah yang mengedepankan akad-akad seperti wakalah, murabahah, dan kafalah. Penelitian ini bermanfaat bagi akademisi, praktisi perbankan syariah, dan regulator dalam memahami potensi integrasi nilai-nilai Islam dalam manajemen risiko dan kontrak keuangan internasional, serta memberikan kontribusi terhadap pengembangan produk keuangan syariah yang lebih sesuai dengan prinsip Islam.
Model Inovasi Sosial Berbasis Maqāṣid al-Syarī‘ah pada Majelis Ta’lim An Nuriyah Bajawa, Nusa Tenggara Timur Nina Agustina Fajriah; Luhur Prasetiyo; Ely Masykuroh
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): 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.v8i1.10236

Abstract

This study aims to examine the social innovation model based on maqāṣid syarī‘ah that developed in the Majelis Ta’lim An Nuriyah Bajawa as a form of empowerment of the minority Muslim community. The approach used is qualitative with a case study type through in-depth interviews. The results of the study indicate that the Majelis Ta’lim An Nuriyah becomes a space for the formation of social innovation integrated with the values ​​of maqāṣid syarī‘ah, including ḥifẓ al-dīn (protection of religion) through routine Islamic studies and education; ḥifẓ al-nafs (protection of the soul) through social activities and charity; ḥifẓ al-‘aql (protection of reason) through business digitalization training; ḥifẓ al-nasl (protection of offspring) through Islamic family education; and ḥifẓ al-māl (protection of wealth) through management of congregational funds based on sincerity and social benefits. The emerging social innovation is rooted in the spirit of togetherness, tolerance, and women's independence, while also reflecting the transformation of Islamic values ​​in a pluralistic and dynamic social context. These findings enrich the literature on the integration of the maqāṣid shari'ah (Islamic principles) into faith-based community empowerment practices and offer a conceptual model of Islamic social innovation relevant to minority communities.
Integrated Islamic Philanthropy for Equitable Healthcare Access: A Case Study of Muhammadiyah Hospital Janah, Unun Roudlotul; Prasetiyo, Luhur
ZISWAF Vol 12, No 2 (2025): ZISWAF: Jurnal Zakat dan Wakaf
Publisher : UIN Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/ziswaf.v12i2.32614

Abstract

This study examines the integration of Islamic philanthropy within hospital settings, with a particular focus on Muhammadiyah Hospital in Ponorogo, Indonesia, to strengthen access to affordable healthcare for marginalized communities. The research is motivated by the limited scholarly attention to the incorporation of ZISWAF and corporate social responsibility (CSR) mechanisms in healthcare service practices, which represents a significant gap in contemporary Islamic philanthropy literature. Employing a qualitative research design, data were collected through interviews with philanthropic unit managers, hospital administrators, and beneficiaries of philanthropic programs. The findings reveal that Islamic philanthropy is integrated through a synergistic governance model that optimizes ZISWAF funds. Zakat and infaq are utilized to cover essential healthcare costs, with infaq serving as a complementary source when zakat eligibility criteria do not apply. Meanwhile, waqf contributes to the procurement of fixed assets, including buildings and patient facilities. The integrated philanthropic unit within the hospital functions as a consolidating entity for managing ZISWAF funds. This integration substantially enhances healthcare accessibility for underserved populations. The study contributes to the literature by conceptualizing an Islamic philanthropic integration model for hospital contexts and proposing the inclusion of CSR as an additional funding stream supporting healthcare-based philanthropic initiatives.
Manajemen Konflik Pada Franchise Roti Bakar Gandaria Magetan Rendra Firmansyah; Luhur Prasetiyo
Niqosiya: Journal of Economics and Business Research Vol. 3 No. 1 (2023): Januari-Juni 2023
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v3i1.2018

Abstract

Conflict is common in everyday life, including business. Conflicts occur between franchisors and franchisees in the Roti Bakar Gandaria Magetan franchise. Conflicts arise due to policies that need to be carried out correctly and services that are not optimal. For this reason, this study was conducted to determine how conflict management was carried out by the Roti Bakar Gandaria franchise head and its impact. The method used in this study is qualitative, with data collection techniques in the form of interviews and conservation with franchisors and franchisees who experience conflict. The data analysis technique used is a deductive analysis that departs from general to specific by looking at the theory and then colliding with actual conditions. The results of this study show that the conflict in the Gandaria Toast franchise is constructive-horizontal. The leading cause of conflict is poor communication between franchisors and franchisees. The strategies to resolve conflicts are Collaboration Strategy, Competitive Strategy (competing), and Accommodative Strategy. The impact after the franchisor issues a policy to the franchisee is the resolution of the conflict, even though the franchisee is dissatisfied because the decision issued is considered inappropriate.
Islamic Social Finance and Institutional Accountability: A Case Study of Zakat and Philanthropic Organizations Luhur Prasetiyo; Unun Roudlotul Janah; Khoirun Nisak
El-Barka Journal of Islamic Economics and Business Vol. 8 No. 2 (2025)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v8i2.11973

Abstract

Islamic Social Finance (ISF) significantly promotes social welfare, poverty alleviation, and inclusive economic development, particularly in Muslim-majority countries like Indonesia. This study investigates institutional accountability within Islamic philanthropic organizations managing Zakat, Infaq, Sadaqah, and Waqf (ZISWAF) in Ponorogo, Indonesia. Addressing gaps in the literature that mostly focus on national or international levels, this study emphasizes local governance challenges, the relationship between accountability and public trust, and the need for a Sharia-based accountability model. Employing a qualitative case study approach, data were collected through in-depth interviews, participant observation, and document analysis involving five Islamic philanthropic institutions. Thematic analysis revealed significant variations in financial accountability, Sharia compliance, and social accountability across institutions, highlighting the critical role of transparent reporting, external audits, and community engagement in enhancing public trust. The study proposes an integrated accountability model encompassing financial, Sharia, and social dimensions, advocating for enhanced digitalization, standardized Sharia audits, and improved public literacy to optimize ZISWAF fund management. These findings contribute to the theoretical discourse on Islamic social finance and provide practical recommendations for policymakers and practitioners aiming to strengthen institutional accountability and advance sustainable development goals.
Economic Empowerment via Innovative Zakat Utilization: Lessons from a Multicultural Village in Ponorogo Distyana Dwiyanti; Luhur Prasetiyo
Jurnal Al-Hakim: Jurnal Ilmiah Mahasiswa, Studi Syariah, Hukum dan Filantropi Vol. 6 No. 2 November 2024
Publisher : Fakultas Syariah, Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jurnalalhakim.v6i2.9952

Abstract

This study investigates the economic empowerment of mustaḥiq (zakat beneficiaries) through the Desa Berdaya Program in Mrican Village, Ponorogo, with a focus on sheep-based empowerment strategies. The research examines the forms of empowerment (breeding, fattening, and investment), the factors influencing its implementation, and its impact on beneficiaries' welfare. The program, implemented by Rumah Zakat, leverages zakat funds to promote self-reliance among beneficiaries and transform them into potential muzakki (zakat payers). Using qualitative methods, data were collected through interviews, observations, and documentation. The findings reveal that empowerment addresses socio-economic inequalities, such as low education levels, inconsistent income, and limited knowledge among beneficiaries. The program significantly improves economic, social, and spiritual welfare by enhancing income, fostering community collaboration, and strengthening religious values. Challenges identified include delays in resource provision and unclear profit-sharing mechanisms, highlighting the need for improved management practices. Overall, the study underscores the potential of productive zakat as a sustainable tool for poverty alleviation and community development.
Implementation of Productive Zakat Through the Angkringan Cart Program and Its Contribution to Mustahik Welfare: A CIBEST Perspective Aditya Kristanto; Luhur Prasetiyo
Nidhomiya: Research Journal of Islamic Philanthropy and Disaster Vol. 5 No. 1 (2026): Islamic Philanthropy and Disaster
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/nidhomiya.v4i2.6578

Abstract

Introduction: Productive zakat serves as an important instrument for empowering mustahik and improving welfare through sustainable economic activities. This study examines the implementation of productive zakat distribution through the Angkringan Cart Program conducted by BAZNAS Ponorogo Regency and its contribution to improving mustahik welfare from the CIBEST perspective. Research Methods: A qualitative descriptive approach with a field research design was employed. Data were collected through interviews, observations, and documentation involving BAZNAS administrators and program beneficiaries. The data were analyzed through data reduction, data presentation, and conclusion drawing. Results: The findings show that the program is implemented through beneficiary selection, distribution of business facilities, monitoring, and mentoring. The program provides accessible business opportunities that support the economic empowerment of mustahik. Results indicate improvements in material welfare, reflected in beneficiaries’ ability to meet basic needs such as food, clothing, housing, education, and healthcare. Beneficiaries also maintained positive spiritual conditions through regular religious practices and social participation. Based on the CIBEST framework, beneficiaries experienced a gradual shift from the Material Poverty Quadrant toward the Welfare Quadrant. Conclusion: The study concludes that the Angkringan Cart Program contributes positively to improving both material and spiritual welfare among mustahik.
Peran Media dalam Membangun Citra dan Narasi Model Bisnis Sosial di Kopi Tuli (Koptul) Putra Rizki Julainto; Luhur Prasetiyo
Edupreneurship: Jurnal Pendidikan Ekonomi Vol. 2 No. 1 (2026): JUNI
Publisher : CV. Rumoh Aceh Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/ntv9zc42

Abstract

Social business models have developed as an economic approach that balances profit goals and social missions. One prominent example in Indonesia is Kopi Tuli (Koptul), a social enterprise that empowers Deaf individuals by creating an inclusive workspace and providing services based on sign language. This study aims to analyze how the media construct the image and narrative of Koptul as a social enterprise through framing processes, narrative construction, and digital representation. A qualitative approach is applied using content analysis of online news coverage, social media posts, and other public documentation related to Koptul’s activities and social values. Thematic analysis was conducted to identify patterns of framing and media representation. The findings reveal that the media consistently frame Koptul as a social movement born from the founders’ experiences of discrimination. Through framing mechanisms, the media highlight narratives of empowerment, inclusivity, and the struggle for equal employment rights for the Deaf community. Koptul’s positive image is built through narratives emphasizing humanitarian values, solidarity, and the professional competence of Deaf baristas. The media also construct Koptul’s social business model as a social innovation that integrates economic value with social impact through the unique experience of enjoying coffee while learning sign language. Meanwhile, social media plays a significant role in strengthening Koptul’s digital identity through visual content that amplifies messages of inclusivity. In conclusion, the media have a substantial influence on shaping the image and narrative of Koptul as a credible, inclusive, and sustainable social business model. These findings underscore that media support is essential in enhancing legitimacy, visibility, and public acceptance of disability-based social enterprises.
Co-Authors Abadi, M. Kurnia Rahman Abdullah, Umar Achmad Arfinanto Arsyadani Aditya Kristanto Agustiana, Lily Astrin Ahmad Wahyudi Aji Damanuri Akbar Dzukha Asyiqin Amin Wahyudi Anggun, Dara Arif Syaifudin Arif Asyiqin, Akbar Dzukha Bagus Hadi Mustofa Buana Handa Wijaya Dara Anggun Devi Andriani Devi Ernantika Distyana Dwiyanti Efendi, Mohamad Nur Eko Puji Lestari Ely Masykuroh Ely Masykuroh Fadya Septia Putri Ika Khuril A'yuni INDAH PUSPITASARI Iskandar, Oky Iza Hanifuddin Janah, Unun Roudlotul Janah, Unun Roudlotul KHOIRUN NISAK Khusniati Rofi'ah Kusnul Ciptanila Yuni K Layin Lia Febriana Moch Mu'ti Mochammad Syahrul Utomo Syam Mohamad Nur Efendi Muhamad Ulfi Muhyiddin Mukaromah, Ni`matul Fitria Nila Nur Azizah Nina Agustina Fajriah Novita Ambarsari Nur Afriyanti Nur Alfiyan, Wahyu Nurma Fitrianna Pujiati, Dwik Puput Risma Dayanti Putra Rizki Julainto Qonita Qurrota A'yun Rendra Firmansyah Rizky Estu Handayani Rofiah, Khusniati Rohmah Maulidia Rosyidah, Eva Royyan Ramdhani Djayusman saida, umi Shelna Azima Azam Shinta Maharani Silvina Choirotul Fahmi Sustiawan, Asis Syafa Tasya Wahyuleananda Unun Roudlotul Janah Unun Roudlotul Jannah Wijaya, Buana Handa