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Pengaruh Penerapan Etika Bisnis Muhammad Saw Terhadap Customer Retention dan Dampaknya Terhadap Peningkatan Pendapatan Internal Stakeholders (Studi Kasus pada Unit Usaha Penjualan dan Jasa Penggilingan Daging Pelita Jaya Jember) Siti Nur Latifah
IQTISHODUNA: Jurnal Ekonomi Islam Vol 8 No 1 (2019): April
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (705.865 KB)

Muhammad SAW is a business actor who is the best model in commercial practice. Muhammad's success in business was influenced by his personality and behavior, where Muhammad SAW always applied ethical values in trading. Muhammad's business ethics in his business practices are: shiddiq, fathanah, tabligh and trust in order to be able to retain customers (Customer Retention). This study aims to analyze the effect of the application of Muhammad Saw's Business Ethics to Customer Retention and Its Impact on Increasing Internal Stakeholder Income (Case Study in Pelita Jaya Jember Meat Sales and Milling Service Business Unit). The population in the study is all consumers who are not limited in number who are consumers in the Business Unit of Sales and Meat Milling Services of Pelita Jaya Jember, while the sampling in this study uses Quota Sampling techniques and Accidental Sampling, then set as many as 100 respondents with Accidental sampling techniques Sampling is a sampling procedure that selects samples from people or units that are easily found or accessed. This study uses Path Analysis or Path Analysis. Data were tested using the Classical Test for Normality, Heterocedasticity, Multicollinearity and Autocorrelation. Hypothesis testing is done using IBM SPSS Version 25.0 The results of the analysis show that the Business Ethics of Muhammad SAW (X) had a significant effect on Customer Retention (Z) with direct influence path coefficients of 0.566. Muhammad SAW's Business Ethics (X) has a significant effect on the Increase in Income of Internal Stakeholders (Y) with direct influence path coefficients of 0.154. In addition, Customer Retention (Z) also has a significant effect on the Increase in Income of Internal Stakeholders (Y) with direct effect path coefficients of 0.699. The indirect influence of Muhammad SAW's Business Ethics (X) on Increased Income of Internal Stakeholders (Y) through Customer Retention (Z) is significant with standardize coefficients of 0.395. Keywords: Muhammad Saw Business Ethics, Customer Retention, Internal Stakeholder Income

Pengaruh Penerapan Etika Bisnis Muhammad Saw Terhadap Customer Retention dan Dampaknya Terhadap Peningkatan Pendapatan Internal Stakeholders (Studi Kasus pada Unit Usaha Penjualan dan Jasa Penggilingan Daging Pelita Jaya Jember) Siti Nur Latifah
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 8 No. 1 (2019): April
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (705.865 KB)

This study aims to analyze the effect of the application of Muhammad Saw's Business Ethics to Customer Retention and Its Impact on Increasing Internal Stakeholder Income (Case Study in Pelita Jaya Jember Meat Sales and Milling Service Business Unit). The population in the study is all consumers who are not limited in number who are consumers in the Business Unit of Sales and Meat Milling Services of Pelita Jaya Jember, while the sampling in this study uses Quota Sampling techniques and Accidental Sampling, then set as many as 100 respondents with Accidental sampling techniques Sampling is a sampling procedure that selects samples from people or units that are easily found or accessed. This study uses Path Analysis or Path Analysis. Data were tested using the Classical Test for Normality, Heterocedasticity, Multicollinearity and Autocorrelation. Hypothesis testing is done using IBM SPSS Version 25.0. The results of the analysis show that the Business Ethics of Muhammad SAW (X) had a significant effect on Customer Retention (Z) with direct influence path coefficients of 0.566. Muhammad SAW's Business Ethics (X) has a significant effect on the Increase in Income of Internal Stakeholders (Y) with direct influence path coefficients of 0.154. In addition, Customer Retention (Z) also has a significant effect on the Increase in Income of Internal Stakeholders (Y) with direct effect path coefficients of 0.699. The indirect influence of Muhammad SAW's Business Ethics (X) on Increased Income of Internal Stakeholders (Y) through Customer Retention (Z) is significant with standardize coefficients of 0.395.

Rebranding Wisata Kali Sejuk untuk Pengembangan UMKM di Dusun Darungan Purwosono Lumajang Farid, Muhammad; Mahsun, Moch.; Barlian, Noer Aisyah; Hidayatullah, Indra; Arifah, Sa'adatu Mukarromatil; Latifah, Siti Nur
Khidmatuna: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): November
Publisher : Lembaga Penerbitan, Penelitian dan Pengabdian Masyarakat (LP3M) Institut Agama Islam Syarifuddin Lumajang Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/khidmatuna.v5i1.3259

Kali Sejuk memiliki potensi untuk meningkatkan perekonomian masyarakat dusun Darungan. Karena beberapa alasan kali sejuk menjadi sepi. Karena itu diperlukan penciptaan nilai baru dan branding ulang (rebranding) terkait destinasi wisata tersebut. Penciptaan value adalah titik awal untuk setiap bisnis skala kecil atau besar. Ini memerlukan pembuatan produk dan penyediaan layanan yang menurut pelanggan berguna secara konsisten agar dapat membangun ikatan loyalitas. Dalam menciptakan nilai (creating value) selalu diperlukan perbaikan proses bisnis yang melibatkan berbagai pihak dalam organisasi, dengan melakukan upaya pemahaman sebaik mungkin mengenai pelanggan dan mengetahui apa kebutuhan mereka. Rebranding merupakan langkah transformasi penciptaan citra baru perusahaan yang ditopang oleh manajemen yang lebih solid dan kinerja yang lebih bagus. Rebranding dapat juga diartikan sebagai suatu proses pemberian nama brand baru atau identitas baru pada produk atau jasa yang sudah mapan tanpa perubahan berarti dari manfaat yang ditawarkan oleh produk. Proses rebranding dapat dilakukan pada suatu produk baru atau pada produk yang sudah mapan. Hasil pendampingan bersama UMKM dan POKMAS Wisata Kalisejuk disepakati beberapa hal antara lain, menjaga kebersihan, menjual jajanan khas dilengkapi dengan daftar menu. Pelaku UMKM dan POKMAS setuju untuk mengadakan event musik keroncong agar masyarakat Lumajang sebagai daya tarik awal

Perilaku Konsumen Produk Halal dalam Kerangka Maqashid Syariah: Integrasi TPB, Life Style, dan Health Consciousness Latifah, Siti Nur
Moderasi : Journal of Islamic Studies Vol. 5 No. 2 (2025): Desember
Publisher : Lajnah Ta'lif wan Nasyr Nahdlatul Ulama (LTN-NU) Kabupaten Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/moderasi.v5i2.162

This study aims to analyze the application of the Theory of Planned Behavior, Lifestyle, and Health Consciousness to Consumer Behavior in halal products, with Intention as an intervening variable (Study on Millennial Generation Consumers). The research employs Path Analysis, and hypothesis testing was conducted using IBM SPSS Version 25.0. The results of the first path analysis show that the Health Consciousness variable has a direct and significant influence on Intention. This finding aligns with the objectives of Maqāṣid al-Sharī‘ah, particularly ḥifẓ al-nafs (protection of life), as health awareness encourages consumers to choose products that are safe, healthy, and halal to preserve their well-being and quality of life. Meanwhile, the variables Attitude, Subjective Norms, Perceived Behavior Control, and Lifestyle have direct but insignificant effects on Intention. The second path analysis indicates that Subjective Norms and Intention have a direct and significant influence on Consumer Behavior. This corresponds to Maqāṣid al-Sharī‘ah, especially ḥifẓ al-dīn (protection of religion) and ḥifẓ al-‘aql (protection of intellect), as social norms within Muslim communities are often shaped by Islamic values that encourage consumption behaviors aligned with halal and ṭayyib principles. Conversely, Attitude, Perceived Behavioral Control, Lifestyle, and Health Awareness show direct but insignificant effects on Consumer Behavior. In the indirect effect pathway, Health Awareness influences Intention and subsequently impacts Consumer Behavior among millennial consumers of halal-labeled health drinks. This result is also consistent with Maqāṣid al-Sharī‘ah, as health awareness leading to the choice of halal, healthy, and safe products supports the preservation of life (ḥifẓ al-nafs) and intellect (ḥifẓ al-‘aql). Moreover, choosing halal products reflects the proper and beneficial use of wealth (ḥifẓ al-māl), ensuring consumption practices guided not merely by lifestyle preferences but by individual and societal well-being.

PENGUATAN SUSTAINABLE ECONOMY MELALUI PEMBERDAYAAN KOPERASI PONDOK PESANTREN: STUDI PARTISIPATIF PADA KOPERASI PONDOK PESANTREN KYAI SYARIFUDDIN LUMAJANG Siti Nur Latifah; Indra Hidayatullah
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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This study aims to analyze strategies for strengthening community-based economic sustainability through the empowerment of Islamic boarding school cooperatives. The research focuses on the Kiai Syarifuddin Islamic Boarding School Cooperative in Lumajang, which faces various institutional, managerial, and business planning challenges. The study employs a qualitative approach using a participatory field research design. Data were collected through participatory observation, semi-structured interviews, focus group discussions, and documentation. The research participants consisted of 25 cooperative managers and members. The findings reveal that the main issues include unsystematic financial administration, weak business planning, and limited managerial capacity. Empowerment interventions through governance training, basic bookkeeping practices, business management assistance, and the development of a sustainable business plan have proven effective in improving financial literacy, managerial skills, and the collective commitment of the cooperative managers. These findings affirm that pesantren cooperatives have strong potential to become pillars of community-based economic development when managed professionally, transparently, and with a long-term orientation.

Determinasi Return Saham Syariah Berdasarkan Fundamental Keuangan dan Perilaku Pasar: Analisis Arus Kas, Laba, dan Volume Perdagangan di ISSI Salman Alfarisi; Siti Nur Latifah
Jurnal Akuntansi Bisnis dan Humaniora Vol. 13 No. 2 (2026): Jurnal Akuntansi Bisnis dan Humaniora
Publisher : Politeknik Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33795/jabh.v13i2.10101

Return saham merupakan imbal hasil atau keuntungan yang diantisipasi oleh investor dalam aktivitas perdagangan saham di pasar modal. Penelitian kuantitatif ini bertujuan untuk menganalisis determinasi return saham syariah berdasarkan fundamental keuangan dan perilaku pasar, yang diproyeksikan melalui arus kas operasi, laba akuntansi, dan volume perdagangan. Populasi dalam penelitian ini adalah perusahaan industri yang terdaftar di Indeks Saham Syariah Indonesia (ISSI) periode 2021–2024. Dengan menggunakan metode purposive sampling, diperoleh sampel sebanyak 18 perusahaan dengan total 72 observasi selama 4 tahun pengamatan. Metode analisis yang digunakan adalah regresi linier berganda yang diolah menggunakan SPSS versi 25. Hasil analisis parsial (uji t) menunjukkan bahwa laba akuntansi berpengaruh positif dan signifikan terhadap return saham syariah. Sebaliknya, arus kas operasi dan volume perdagangan tidak memiliki pengaruh signifikan terhadap return saham syariah. Secara simultan (uji F), arus kas operasi, laba akuntansi, dan volume perdagangan berpengaruh signifikan terhadap return saham syariah dengan tingkat determinasi (Adjusted R²) sebesar 7,9%. Penelitian ini memberikan implikasi bagi investor muslim agar lebih berfokus pada informasi laba akuntansi sebagai indikator kinerja fundamental utama dalam pengambilan keputusan investasi di ISSI.

Halal Tourism Development Through Creative Economy Of Local Communities In Sumbersuko District Nur Farahim Kayfa; Siti Nur Latifah; Moch Mahsun; Nurhafid Ishari
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.9692

This study aims to analyze the role of micro, small, and medium enterprises (MSMEs) and the creative economy in supporting the development of halal tourism in Sumbersuko District, Lumajang Regency. The research focuses on identifying the potential of MSMEs, the contribution of the creative economy to empowering local communities, as well as the supporting and inhibiting factors in the development of halal tourism. This study employs a descriptive qualitative approach, with data collection techniques including observation, in-depth interviews, documentation, and literature review. The research informants consist of MSME actors, tourism managers, and surrounding communities at two tourist destinations, namely Selokambang Natural Bath and Tumpak Selo Mini Tubing. The findings indicate that MSMEs play a strategic role in providing Muslim-friendly products and services, such as halal-certified culinary offerings and business services tailored to the needs of Muslim tourists. Community-based creative economic activities, including souvenir production and local product innovation, also enhance the attractiveness of halal tourism. However, several challenges remain, including increases in entrance ticket prices that affect visitor numbers, the lack of supporting halal tourism facilities, and fluctuations in tourist visits during certain periods. This study concludes that the development of halal tourism in Sumbersuko District requires synergy among MSMEs, creative economy actors, tourism managers, and local government. Such collaboration is essential to enhance halal product innovation, improve tourism facilities, and strengthen digital promotion in order to create a competitive, sustainable halal tourism destination that can improve the welfare of local communities.

Model Dinamika Sosio Ekonomi Ibnu Khaldun: Korupsi sebagai Determinan Kemiskinan di Pulau Jawa Siti Nur Latifah
MONETARIUM: Journal of Economics Business and Management Vol. 2 No. 1 (2025): MONETARIUM: Journal of Economy Business and Management
Publisher : PC Ikatan Sarjana Nahdlatul Ulama Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71155/nhprj146

In Islamic history, one of the scholars who discussed the problem of poverty was Ibnu Khaldun. In his analysis, the phenomenon of the rise and fall of a civilization is not only caused by economic variables, but also by a number of non-economic factors. Therefore, in his book entitled "Muqaddimah", he tries to determine interrelated factors such as the role of moral, psychological, political, economic, social and demographic factors. Ibnu Khaldun's explanation shows that poverty is a classic problem and has broad and complex dimensions, so that policy strategies in efforts to eradicate it cannot have one role. Ibn Khaldun's social dynamics model, which is still abstract, is then proxyed into several economic and non-economic variables. Some of these variables are poverty level, Government Expenditures (in the field of social protection), Corruption Crimes, Human Development Index (HDI), Gross Regional Domestic Product (GRDP), Government Investment and Gini Ratio. Sharia parameters are one of the non-economic parameters (moral approach) that are interesting and differentiate between Ibn Khaldun's social dynamics model and the poverty measurement model that has been widely used by researchers. The aim of this research is that with Ibnu Khaldun's dynamic model approach, it is hoped that it will be able to provide solutions in terms of alleviating poverty in various regions, including the island of Java. The data used in this research is panel data, which is a combination of cross-section and time-series data. The panel data in this research uses 6 provinces starting from 2018-2022 using the Panel Data Regression method. The research results show that Government Expenditures (in the field of social protection), Human Development Index (HDI), Gross Regional Domestic Product (GRDP), Government Investment and the Gini Ratio have a significant effect on the number of poor people on the island of Java. Meanwhile, the number of corruption cases has an insignificant effect on the number of poor people on the island of Java.

Pendampingan Manajemen Pengelolaan Uang Kas Pada Anak Migran Indonesia di PKBM PNF KBRI Kuala Lumpur, Malaysia Siti Maulidia; Siti Nur Latifah
Jurnal Pengabdian Multidisiplin Vol. 6 No. 2 (2026): Jurnal Pengabdian Multidisiplin
Publisher : Kuras Institute & Scidac Plus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51214/002026062049000

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi keuangan dan keterampilan pengelolaan uang kas pada anak migran Indonesia di PKBM PNF KBRI Kuala Lumpur. Rendahnya pemahaman mengenai pengelolaan keuangan sederhana dapat memengaruhi kebiasaan konsumsi dan kemampuan perencanaan keuangan peserta didik sejak usia dini. Oleh karena itu, program pendampingan dilaksanakan menggunakan metode Service Learning dengan pendekatan partisipatif yang melibatkan peserta didik secara aktif dalam proses pembelajaran dan praktik pengelolaan keuangan. Kegiatan dilaksanakan selama 26 hari dengan melibatkan 29 siswa kelas 5. Tahapan kegiatan meliputi analisis kebutuhan, sosialisasi dan edukasi dasar, pelatihan pengelolaan uang kas, pendampingan praktik (learning by doing), serta monitoring dan evaluasi. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai perbedaan kebutuhan dan keinginan, pentingnya menabung, serta kemampuan melakukan pencatatan pemasukan dan pengeluaran secara sederhana. Selain itu, peserta menunjukkan perubahan sikap yang lebih disiplin, bertanggung jawab, dan bijaksana dalam menggunakan uang saku. Program pendampingan ini juga berhasil menumbuhkan kesadaran akan pentingnya transparansi dan akuntabilitas dalam pengelolaan keuangan bersama. Dengan demikian, pendampingan manajemen pengelolaan uang kas terbukti efektif sebagai sarana penguatan literasi keuangan dan pendidikan karakter bagi anak migran Indonesia. Program ini dapat menjadi model pembelajaran keuangan sederhana yang relevan untuk diterapkan pada lingkungan pendidikan nonformal bagi anak-anak migran di luar negeri.

Analysis of the Effectiveness of Zakat Management in Poverty Alleviation: A Comparative Study of Indonesia and Malaysia Siti Maulidia; Siti Nur Latifah; Raihan Nasir
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.198

Introduction: This study aims to analyze the effectiveness of zakat fund management in reducing poverty in Indonesia and Malaysia during the 2015–2025 period. The study is motivated by a theoretical gap regarding the role of zakat as an instrument for poverty alleviation, which in practice shows different results across countries. Methods: This research employs a quantitative approach using linear regression analysis with the assistance of the EViews application. The regression estimation method applied in this study is the Ordinary Least Square (OLS) method. The data used in this study consist of secondary data on zakat collection and poverty levels in Indonesia and Malaysia during the observation period. Results: The results show that zakat in Indonesia has a negative and significant effect on poverty, while in Malaysia zakat has a negative but insignificant effect on poverty. Based on the R-square value, zakat management in Indonesia is more effective in reducing poverty than in Malaysia. These findings indicate that the optimization of productive zakat distribution is able to improve community welfare more effectively. Conclusion and suggestion: Zakat institutions should strengthen productive zakat programs, improve management efficiency, and enhance collaboration with relevant stakeholders to maximize the role of zakat in poverty reduction. Future research may include additional variables and broader country coverage to provide more comprehensive results.

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