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All Journal Jurnal Ilmiah Ekonomi dan Bisnis Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam EQUILIBRIUM: Jurnal Ilmiah Ekonomi dan Pembelajarannya Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JESI (Jurnal Ekonomi Syariah Indonesia) Justisia Ekonomika Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmiah Edunomika (JIE) Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Al-Kharaj: Journal of Islamic Economic and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL GUYUB: Journal of Community Engagement An-Nisbah : Jurnal Perbankan Syariah Al-Iqtishod : Jurnal Ekonomi Syariah At-Tasyri Jurnal Hukum Islam dan Ekonomi Syariah Jurnal Ekonomi Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Jurnal Islam Nusantara Jurnal Teknologi dan Manajemen Industri Terapan JURNAL ECONOMINA Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Indo-Fintech Intellectuals: Journal of Economics and Business Anjasmoro: Islamic Interdisciplinary Journal AL-MANSYUR Assets Journal
Saifuddin
Universitas Nurul Jadid
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Social Sciences Other

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Analysis of the Nominal Value and Collectible Value of the Special Edition 75,000 Rupiah Currency in the Market Mechanism from an Islamic Economic Perspective Shinta Nuriyah Dwi Astutik; Saifuddin
JURNAL ECONOMINA Vol. 5 No. 5 (2026): JURNAL ECONOMINA, Mei 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i5.2052

Abstract

This research aims to analyze the phenomenon of trading special edition banknotes with a nominal value of 75,000 rupiah in the market mechanism and assess its compliance with Islamic economic principles. The approach used is qualitative with a type of library research thru descriptive-analytical analysis of various relevant literature. The research results show that special edition currency has undergone a transformation in function from a medium of exchange to a collectible object with collectible value. The value is influenced by factors such as rarity, historical significance, design, and collector preferences, causing market prices to often exceed the nominal value. In the perspective of Islamic economics, this practice is contextual, meaning it can be justified if the money is positioned as a collectible item and the transaction is conducted without elements of riba, gharar, and maisir. However, if it is dominated by speculation, it has the potential to deviate from the principles of Sharia. Therefore, ethical and legal boundaries are necessary to ensure that transactions remain in accordance with the maqasid of Sharia.
Pengaruh Lokasi Toko Dan Ketersediaan Lahan Parkir Sebagai Faktor Aksesibilitas Terhadap Minat Pembelian Konsumen Di Toko Basmalah Bantaran Probolinggo Nur Azisah; Saifuddin; Moh. Khoirul Anam
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 2 No. 2 (2023): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i2.592

Abstract

Penelitian ini bertujuan untuk menganalisis seberapa besar pengaruh lokasi dan lahan parkir terhadap minat beli pelanggan di Toko Basmalah Bantaran Probolinggo. Metode yang digunakan dalam penelitian ini adalah survei dengan pendekatan kuantitatif, dimana data dikumpulkan melalui kuesioner model angket melalui google drive, selanjutnya sampel atau responden harus memilih salah satu jawaban dari beberapa alternatif jawaban yang tersedia. Analisis data dilakukan menggunakan regresi linier berganda untuk mengidentifikasi hubungan antara variabel independen yakni Lokasi (X1) dan lahan parkir (X2) terhadap variabel dependen yaitu minat beli (Y). Hasil dari penelitian ini yakni adanya pengaruh positif dari kedua variabel terhadap minat beli konsumen. Lahan parkir memiliki pengaruh paling tinggi dengan nilai 0,344 lebih besar dari variabel Lokasi yang hanya memiliki nilai 0,335. Dalam penelitian ini, variabel independent (minat beli konsumen) dapat dijelaskan oleh variabel bebas (Lokasi toko dan lahan parkir) sebesar 29,9% dan sisanya 70,1% dipengaruhi oleh variabel lain diluar variabel penelitian ini. Hasil penelitian ini dapat memberikan kontribusi pemahaman tentang seberapa besar pengaruh lahan parkir dan lokasi toko terhadap minat beli konsumen sehingga dapat digunakan sebagai acuan bagi pengusaha retail dalam meningkatkan daya tarik konsumen.
Use of Flexible Budgeting to Face Economic Uncertainty and a Changing Business Environment Saifuddin; Ismatul Maula; Naila Farodysa; Syifa'ul Khairiyatil Ummah; Umami Hapsahwati
Assets Journal: Journal of Economic and Business Vol. 2 No. 2 (2024): Education Of Economic And Financing
Publisher : Al-Qalam Institute, Probolinggo, East Java, Indonesia

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

Abstract

Flexible fencing is an approach in financial planning and financial management designed to deal with economic competition and changing business environments. In a fast-changing and unstable business environment, traditional budgeting methods may be less effective because they tend to be rigid and difficult to adapt to unexpected changes. There are two ways to look at flexible budgets: through a corporate finance standpoint and a personal finance standpoint. From a company's financial point of view, a flexible budget is a budget plan that adjusts to changes in costs, volumes, and revenues. Simply put, how a company calculates how much budget it has, estimates how much it needs, and how many targets it wants to achieve. Meanwhile, from the point of view of personal finance, flexible budgeting is a method of financial budget planning that is prepared based on financial conditions, income, and expenses. Then adjust it according to changes in spending habits that occurred in the previous year. Usually personal budgets are adjusted in monthly periods when usually all kinds of billing cycles occur.
Analysis Weather to Instability Price of Large Red Chili Using Time Series Based Prediction: The Perspective of Price Fairness in Islamic Economics Mochamad Lutfan Hafidullah; Saifuddin
Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Vol. 5 No. 3 Agustus 2026: Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner
Publisher : Yayasan Azhar Amanaa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59944/jipsi.v5i3.978

Abstract

This study was conducted to examine the influence of weather conditions on large red chili production and farmer-level price instability in Paiton District, considering that fluctuations in rainfall, temperature, and seasonal patterns often affect production and reduce farmers’ income. A quantitative approach was employed using primary data collected through questionnaires from 70 large red chili farmers and secondary data on historical weather and price records. The data were analyzed using validity and reliability tests, simple linear regression, and time series analysis to determine the relationship between weather conditions and price instability. The results reveal that weather conditions have a significant effect on price instability (p = 0.000), with a coefficient of determination of 52.5%, indicating that variations in weather contribute substantially to production changes and subsequent price fluctuations. By integrating weather-related variables with a time-series analytical approach, this study provides empirical evidence that enriches agricultural econometric research while offering practical implications for farmers in planning planting schedules, supporting policymakers in designing weather-based price stabilization strategies, and encouraging the development of early warning systems and weather-based price forecasting models.
THE ROLE OF THE MSME EXPO AS AN EDUCATIONAL AND MARKETING MEDIA IN INCREASING COMPETITIVENESS OF COFFEE MSMEs BASED ON SHARIA ECONOMY: Efektivitas UMKM Expo sebagai Media Edukasi dan Pemasaran Kopi Innayatul Laili Listiyana; Saifuddin Saifuddin
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 10 No 1 (2026): Juni
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v10i1.31321

Abstract

This research is motivated by the importance of strengthening the competitiveness of coffee MSMEs through the integration of education and marketing functions in expo activities, which have been studied separately. The purpose of this study is to analyze the role of the MSME Expo as an educational and marketing medium in increasing the competitiveness of coffee MSMEs based on the sharia economy in Sumberwringin District, Bondowoso Regency. The research employs a phenomenological qualitative approach, involving 12 informants through purposive sampling techniques. Data was collected through in-depth interviews, findings in the field, and documentation, then analyzed through reduction, presentation, and conclusion drawing by triangulating sources. The results of the study show that expos play a significant role in increasing the technical knowledge, skills, and confidence of MSME actors through experiential learning. In addition, the expo also increases the number of customers, sales turnover, and expands the business network. The implication of this study confirms that the expo not only functions as a means of promotion, but also as a space for learning and business transformation that is sustainable and in line with Sharia economic principles, such as benefit and justice.
Islamic Business Ethics in the Digital Era: A Study of the Use of Image Generators to Increase Consumer Trust Siti NurJannah; Saifuddin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countrie
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11277

Abstract

Penggunaan generator gambar AI dalam pemasaran digital semakin banyak dimanfaatkan oleh bisnis karena dapat menghasilkan gambar produk yang menarik dan cepat. Namun, visual yang dihasilkan AI seringkali tidak sesuai dengan kondisi produk sebenarnya, sehingga menyesatkan konsumen dan bertentangan dengan etika bisnis Islam yang menekankan kejujuran, kepercayaan, dan larangan gharar. Studi ini bertujuan untuk menilai bagaimana penggunaan AI memengaruhi kepercayaan konsumen Muslim dan apakah praktik tersebut sesuai dengan prinsip-prinsip syariah. Studi ini menggunakan penelitian kualitatif melalui wawancara dan observasi terhadap UMKM dan konsumen Muslim. Hasil studi ini menawarkan wawasan baru tentang pentingnya penggunaan AI secara etis dan memberikan rekomendasi agar teknologi tersebut dapat digunakan sesuai dengan nilai-nilai Islam dalam membangun kepercayaan konsumen menggunakan situs web Pippit AI.
Implementation Of The Subsidized Fertilizer Pricing Policy For Farmers And Retail Outlets In Probolinggo: An Analysis From The Perspective Of Maqasid Syariah Saifuddin; Siti Maryam
Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Vol. 5 No. 3 Agustus 2026: Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner
Publisher : Yayasan Azhar Amanaa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59944/jipsi.v5i3.974

Abstract

The purpose of this study is to analyze the implementation of the subsidized fertilizer pricing policy for farmers and retail outlets in Probolinggo Regency and to evaluate it from the perspective of Maqasid al-Sharia. This study employs a qualitative case study approach through interviews, observations at fertilizer retail outlets, and analysis of sales documents. The research findings indicate that the implementation of the subsidized fertilizer pricing policy still faces uncertainty regarding pricing practices at the retail level, creating a dilemma between compliance with the Maximum Retail Price (MRP) and the sustainability of retail operations. Nevertheless, adjustments have been made to enable farmers to purchase fertilizer at prices that are relatively in line with the MRP, accompanied by transparency regarding retail operating costs. The novelty of this study lies in its integration of the analysis of subsidized fertilizer pricing policies involving farmers and retail outlets within the framework of Maqasid al-Sharia, a topic rarely addressed in previous literature, which generally focuses only on either distribution or agricultural productivity separately. The findings of this study contribute to the development of Islamic economic studies, particularly in the area of public policy in the agricultural sector. The implications of this study suggest that fertilizer subsidy policies need to strengthen mechanisms for price transparency, distribution oversight, and the balance of interests between farmers and retail outlets to align with the principles of justice (ʿadl) and public interest (maslahah) in the Maqasid al-Sharia. It is hoped that these findings will serve as a basis for policymakers to improve the fertilizer subsidy system, making it more equitable, effective, and sustainable.
Implementation of Late Payment Fines on TikTok PayLater: A Perspective of Islamic Economic Contract Law Tri Aprinia Astutik; Saifuddin
Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Vol. 5 No. 3 Agustus 2026: Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner
Publisher : Yayasan Azhar Amanaa Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59944/jipsi.v5i3.976

Abstract

Study This use approach qualitative with method normative-juridical based studies bibliography . Methods This chosen because of research focus on analysis law to practice fine delay in TikTok PayLater service based on principle law Islamic economics , in particular draft ta'widh and gharamah . Study This aim analyze implementation fine delay in TikTok paylater service as one of the the growing Buy Now Pay Later (BNPL) system in ecosystem digital finance . Practice fine delay become issue important Because potential contain element usury , gharar , and cause injustice in perspective law agreement Islamic economics . Research results show that formally provisions​ fine has agreed in digital agreement , however in a way substantive its implementation potential Not yet fully in accordance with DSN-MUI fatwa No. 17/2000, especially related verification ability customers and transparency management of fine funds . Therefore that , is necessary more mechanisms​ clear and transparent so that implementation gharamah and ta'widh No deviate from principle justice in Islamic economics.
Paddy Field Pawn Practices in Rural Communities: A Maqashid Sharia Perspective on Potential Economic Exploitation Mazidurrahman; Saifuddin
Anjasmoro: Islamic Interdisciplinary Journal Vol. 4 No. 1 (2026): Islamic Education
Publisher : Yayasan Pendidikan Bustanul Ulum Mojokerto

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

Abstract

Paddy field pawn (rahn) practices remain a common form of traditional financing among rural farmers due to limited access to formal financial institutions. In Montorna Village, Pasongsongan District, Sumenep Regency, this practice is commonly carried out through a mechanism in which the lender (murtahin) gains control over the pledged land and often enjoys the entire harvest yield without reducing the principal debt owed by the borrower (rahin). Such conditions have the potential to create economic exploitation because the contract is implemented without a clear time limit, while the benefits received by the murtahin may exceed the value of the original loan. This study aims to analyze the practice of paddy field pawning and examine it from the perspective of maqashid sharia. The research employed a qualitative approach with a case study design, utilizing interviews, observations, and documentation as data collection techniques. The findings indicate that the existing practice does not fully fulfill the principles of hifz al-mal (protection of wealth) and hifz al-nafs (protection of human welfare). Therefore, improvements are required in the contractual arrangement to ensure greater fairness, transparency, and compliance with the principles of Islamic economics.
PKM Diversifikasi Ragam Produk Olahan Berbahan Dasar Ikan Teri sebagai Upaya Peningkatan Ekonomi Masyarakat Paiton Probolinggo Saifuddin Saifuddin; Andre Dimas Fernando Putra; Moch Sofyan; Fadhlur Rohman; Mohammad Hasan Ainul Yaqin; Nailis Saadah Ali
GUYUB: Journal of Community Engagement Vol 2, No 2 (2021): Pendampingan Lembaga Pendidikan dan Media Pembelajaran Teknologi di Masa Covid-1
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/guyub.v2i2.2241

Abstract

Besarnya potensi ikan teri di Indonesia serta adanya kecenderungan ekspor ikan teri gelondongan, maka diperlukan terobosan baru dalam dalam upaya diversifikasi dan pengembangan aneka produk olahan ikan teri. Meskipun muncul anggapan bahwa ikan teri sangat terjangkau, sebenarnya ikan teri juga memiliki nilai ekonomis yang sangat tinggi di pasaran dan dapat disejajarkan dengan jenis komoditi laut lainnya baik di pasar domestik maupun internasional. PKM ini bertujuan untuk melibatkan warga Paiton Probolinggo untuk mengidentifikasi berbagai jenis hasil diversifikasi dan pengembangan produk hasil olahan ikan teri khas Probolinggo. Identifikasi jenis produk, alat, bahan serta metode pengolahan dilakukan melalui survey, pendampingan dan dokumentasi. Hasil diversifikasi dan pengembangan produk olahan ikan teri yang kita fokuskan pada 2 variasi olahan yaitu sambal geranti dan teri crispy. Produk olahan ikan teri ini sangat layak untuk dijadikan satu potensi dalam pengembangan usaha kuliner unik khas Kabupaten Probolinggo. Kegiatan yang telah dilakukan berupa peningkatan kualitas produk, peningkatan nilai tambah ikan teri (diversifikasi produk teri olahan/teri crispy dan sambal), pemakaian kemasan, dan pemberian label produk tersebut. Berdasarkan pengamatan, masyarakat telah mendapatkan pengetahuan dan teknologi berkaitan dengan penanganan dan pengolahan hasil perikanan, serta melakukan pengemasan dan pelabelan produk tersebut.
Co-Authors A Khoirul Anwar Achmad Febrianto Akhmad Fahrizal Akil, Ahmad Ibnu Andre Dimas Fernando Putra Bella Findayani Eko Cahyono Fadhlur Rohman Fathony, Alvan Fathudin Fathudin Gufron, Moh Idil Haikal, Muhammad Fikri Ibrohim, Isro’ Innayatul Laili Listiyana Ismatul Maula Isnaini, Anni Alifatul Jui Amalia M Hadziq Affan Mazidurrahman Moch Sofyan Mochamad Lutfan Hafidullah Moh Khoirul Anam Moh Khoirul Anam Moh Khoirul Anam Moh Khoirul Anam Anam Moh. Khoirul Anam Moh. Khoirul Anam Mohammad Hasan Ainul Yaqin Muh. Hamzah Nabila Nabila Naila Farodysa Nailis Saadah Ali Nikmatul Masruroh Nur Azisah Putri Nur Afrida Riadi, Luthfi Riskiya Dwi Novem Wulandari Rokhani Rokhani Shinta Nuriyah Dwi Astutik Siti Maryam Siti NurJannah Siti Ruqayyah Siti Zulaeha Sitti Aisyah Sofiyatul Mukarromah Subhan Hidayat Sudarko Sudarko Sujiono Sulis Nada Fitriah Sulistiyani, Titin Suryana Dewi Syamsul Arifin Syifa'ul Khairiyatil Ummah Tri Aprinia Astutik Umami Hapsahwati Widyatur Rofiqoh Rofiqoh Wulandari, Ana Sri Zulfian Aldiansyah