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All Journal Jurnal Istiqro' MALIA Abdimas UNWAHAS : Jurnal Pengabdian Masyarakat UNWAHAS Jurnal Abdi Insani JEKPEND Jurnal Ekonomi dan Pendidikan Jurnal Mu'allim Jurnal Riset Ekonomi Syariah Al-Maqashid: Journal of Economics and Islamic Business Jurnal Ekonomi Syariah dan Hukum Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam RESLAJ: Religion Education Social Laa Roiba Journal Journal of Ekonomics, Finance, and Management Studies Alkasb: Journal of Islamic Economics Journal of Islamic Economics Studies and Practices (JIESP).
Iltiham, Muhammad Fahmul
Universitas Yudharta Pasuruan
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Social Sciences Other

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Optimizing Insurance and Guarantees for Deceased Customers in Murabaha Financing: A Comprehensive Analysis Muhammad Fahmul Iltiham; Nur Iva Apriliyah
MALIA: Jurnal Ekonomi Islam Vol 14 No 1 (2022)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v14i1.3858

Abstract

This study concludes that the settlement process for insurance and guarantees in the event of a customer's death follows the established procedures of PT. BPRS Mojo Artho, Pandaan Branch. The process involves promptly reporting the customer's demise and subsequently submitting an insurance claim. If the claim is successful, the remaining debt is repaid, and the guarantee is returned. However, if the insurance claim is unsuccessful, the remaining debt must still be repaid by the customer's heirs, and the guarantee will be held as collateral. In cases where insurance claims fail, there are various factors contributing to the outcome, such as incomplete data or submissions that exceed the policy limit. It is important to note that such instances deviate from the principles of Sharia insurance, as the customer's lack of awareness about cooperation plays a role. However, the BPRS endeavors to assist in line with the principles of Sharia insurance by providing relief to the heirs, ensuring that the guarantee is not seized and auctioned off. _____________________________Studi ini menyimpulkan bahwa proses penyelesaian asuransi dan jaminan dalam kasus kematian nasabah mengikuti prosedur yang telah ditetapkan oleh PT. BPRS Mojo Artho, Cabang Pandaan. Proses tersebut melibatkan pelaporan segera atas kematian nasabah dan selanjutnya mengajukan klaim asuransi. Setelah semua data yang diperlukan disediakan, klaim asuransi diproses oleh perusahaan asuransi. Jika klaim berhasil, sisa hutang akan dibayar dan jaminan akan dikembalikan. Dalam kasus di mana klaim asuransi gagal, terdapat berbagai faktor yang berkontribusi terhadap hasilnya, seperti data yang tidak lengkap atau pengajuan yang melebihi batas kebijakan. Penting untuk dicatat bahwa kejadian semacam ini menyimpang dari prinsip asuransi syariah, karena kurangnya kesadaran nasabah tentang kerjasama berperan dalam hal ini. Namun, BPRS berupaya membantu sesuai dengan prinsip-prinsip asuransi syariah dengan memberikan bantuan kepada ahli waris, memastikan bahwa jaminan tidak disita dan dilelang.
Effective Strategy to Reduce Import Level of Fashion Products by Coaching Millennial Students Independently Creative Islamic Boarding School in Indonesia Muhammad Fahmul Iltiham; Wiwin Ainis Rohtih
MALIA: Jurnal Ekonomi Islam Vol 15 No 1 (2023)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v15i1.4915

Abstract

This research aims to recognize the role of Islamic boarding schools (pesantren) in nurturing entrepreneurship as an effort to overcome competition from foreign products. Islamic boarding schools have the potential as educational institutions that shape individuals who are religious and independent, aligning with the goals of the entrepreneurship program. Enhancing entrepreneurship in Islamic boarding schools is a necessity to ensure that students (santri) are not only competent in religious aspects but also possess economic self-reliance. This is expected to have a significant impact on the economy, especially in creating entrepreneurs from among the students. With a large number of Islamic boarding schools and students, these institutions have a strategic potential to support national economic development. Many Islamic boarding schools have established cooperatives, developed small and medium-sized business units or industries, and have business incubators. The research method used is qualitative, employing data collection techniques through observation, interviews, and documentation. The study was conducted at an Islamic boarding school in Pasuruan Regency. The results indicate that Islamic boarding schools in Pasuruan Regency play a crucial role in training modern industrial entrepreneurs by establishing various business units such as food, clothing manufacturing, and accessories. Entrepreneurship programs empower students and the community, improve their well-being, and create job opportunities. The involvement of students in entrepreneurship at the Islamic boarding school has resulted in alumni establishing similar businesses that serve the broader Pasuruan Regency area.
Implementation of Digital Transformation in HIPSI SMEs: A Qualitative Analysis of Strengthening Local Community Digital Capabilities Muhammad Fahmul Iltiham; Muhammad Nizar
MALIA: Jurnal Ekonomi Islam Vol 15 No 2 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v15i2.5890

Abstract

Purpose: The increasing importance of digital innovation as a driver of business transformation across various industries remains underexplored in the context of SMEs. This study aims to address this gap by examining the direct effects of digital orientation and digital capability on digital innovation and assessing the mediating role of digital innovation in the relationship between organizational performance and these driving factors. Design/methodology/approach: This qualitative study analyzes data collected from 20 HIPSI SMEs in Pasuruan, Indonesia. Data were obtained through interviews and document reviews and analyzed using thematic analysis and structural modeling techniques with SmartPLS. Findings: The findings reveal that digital orientation and digital capability significantly influence digital innovation. Furthermore, digital innovation mediates the effect of digital orientation and digital capability on financial and non-financial performance. This demonstrates the critical role of digital innovation in enhancing organizational performance by leveraging digital resources effectively. Practical implications: This study highlights the need for SMEs to adopt a digital-oriented mindset and invest in developing digital capabilities to harness the potential of emerging digital technologies. This strategic alignment can foster innovation, improve competitiveness, and strengthen community digital empowerment. Originality/value: This research provides a novel framework that links digital orientation, digital capability, and innovation to organizational performance within the SME sector. It fills a critical gap in the literature by emphasizing the mediating role of digital innovation and offering insights into the digital transformation of local business communities.
ANALISIS MEKANISME PERHITUNGAN BAGI HASIL AKAD MUDHARABAH PADA PRODUK TABUNGAN TAAT iB DI BPRS DAYA ARTHA MENTARI KANTOR CABANG GEMPOL KABUPATEN PASURUAN Rovi Nurhidayati; Muhammad Fahmul Iltiham; Alimatul Farida
Mu'allim Vol 4 No 1 (2022): Januari 2022
Publisher : Fakultas Agama Islam Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/muallim.v4i1.2958

Abstract

The banking industry is currently competing to provide convenience in meeting the needs of a growing community. One of them is the community's need for lifestyle changes that are increasingly modern, which is one of the banking opportunities to help, namely through fundraising called Savings. BPRS Daya Artha Mentari KC Gempol as a pioneer of Islamic banking in Indonesia has also created products to help its customers obtain fundraising services with various types of programs, one of which is the iB TaaT Savings. In this study, using a descriptive method. The data collection method that the author uses is literature study, observation, recording, and interviews. Based on the research conducted by the author, the author can conclude that this study is entitled Analysis of the Mechanism of Calculation of Profit Sharing for Mudharabah Contracts on TaaT iB Savings Products at BPRS Daya Artha Mentari KC Gempol according to an Islamic Economics review. TaaT iB Savings is a savings product with the mudharabah principle. Therefore, the authors are interested in further researching how exactly the iB TaaT Savings is, and how the function of the Education Savings is for both the bank and the customer and how the Islamic economy reviews the iB TaaT Savings.
Pengaruh Literasi Keuangan Syariah dan Perilaku Konsumtif terhadap Minat Jasa Pinjaman Online Sintawati, Dewi; Nizar, Muhammad; Fahmul Iltiham, Muhammad; Farida, Alimatuf
Journal of Islamic Economics Studies and Practices Vol. 2 No. 1 (2023): Juni
Publisher : Institut Agama Islam YPBWI Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54180/jiesp.2023.2.1.75-87

Abstract

This study examines the effect of Islamic financial literacy and consumptive behavior on interest in online loan services at Yudharta University, Pasuruan. This research uses a quantitative approach with a descriptive research type. Data collection techniques through distributing questionnaires using the Google form. Data analysis using multiple linear regression. The results of the research in this study indicate that Islamic financial literacy and consumptive behavior affect interest in online loan services.
Multiplier Effect Wisata Halal Masjid Muhammad Cheng Hoo Pandaan dalam Meningkatkan Kesejahteraan Masyarakat di Kabupaten Pasuruan Inayah, Husnul; Nizar, Muhammad; Fahmul Iltiham, Muhammad
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): 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.v6i9.2503

Abstract

This research aims to analyze and understand the role, potential, and multiplier effects of halal tourism at Masjid Cheng Hoo in Pandaan towards enhancing the welfare of the community in Pasuruan Regency. The research methodology employed is qualitative, based on field research. The findings reveal that its historical and cultural value serves as a primary attraction for tourists seeking rich religious and cultural experiences. The potential of halal tourism around the mosque is evident in the increased tourist visits and the growth of the local tourism industry. Furthermore, the study indicates that the development of halal tourism around the mosque has a positive multiplier effect on the welfare of the community in Pasuruan Regency. The growth of the tourism industry creates new job opportunities and enhances household income, while contributing to the development of infrastructure and better public services. These findings underscore the significant economic and social benefits that the development of halal tourism at Masjid Cheng Hoo brings to the local community.
Praktik Ekonomi Lokal Masyarakat Melalui Bisnis Mangga dalam Perspektif Fikih Muamalah Muhammad Nasrudin fh; Muhammad Fahmul Iltiham; Muhammad Nizar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i10.3058

Abstract

This research aims to examine community economic empowerment through the mango business from the perspective of muamalah fiqh in Oro-Oro Ombo Kulon Village, Rembang District, Pasuruan Regency. Using a descriptive qualitative approach, this research identifies the economic potential of the mango business in the village and analyzes the application of muamalah fiqh principles in every aspect of the business. The research results show that Oro-Oro Ombo Kulon Village has great potential in mango cultivation and economic empowerment through this business has had a positive impact on the local community. The application of the principles of muamalah fiqh, such as justice, transparency and honesty, in the mango business also creates an ethical and sustainable business environment. This research provides recommendations for infrastructure development, training, product diversification, collaboration, and marketing strategies that can increase the effectiveness of economic empowerment through the mango business and create a business model that is in accordance with Islamic principles.
Analisis Pemikiran Al-Ghazali Tentang Etika Bisnis Islam dengan Relevansinya Transaksi Bisnis Pasar Modern di Mall Plaza Jember Alwiatul Wardah; Muhammad Nizar; Muhammad Fahmul Iltiham
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 5 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i5.7660

Abstract

In Islamic economics, business and ethics are not two conflicting concepts, but rather complementary. Business in Islam is not only a worldly affair but also part of the investment of the afterlife. Therefore, every business activity must be in accordance with moral and ethical principles based on Islamic values. Business ethics in Islam have a major influence on consumer trust and loyalty, as well as the sustainability of the business itself. Imam Al-Ghazali's thoughts on Islamic business ethics emphasize the importance of the principles of justice, honesty, and trust in economic transactions. This study aims to analyze Al-Ghazali's thoughts on Islamic business ethics and their relevance in business transactions in the modern market, especially in Plaza Jember. In the context of modern business, the ethical principles taught by Al-Ghazali are still very relevant, including the prohibition of usury, the distribution of wealth through zakat, and transparency in trade. Although his thoughts originated in the 11th century, the concepts he put forward can still be adapted in the contemporary economic system. The results of this study indicate that Islamic business ethics play an important role in building a fair and sustainable trading system. In modern markets such as Plaza Jember, the application of Islamic business ethics can increase customer trust and create a healthy business environment. By understanding and implementing the concept of Islamic business ethics, business actors can achieve profits not only in the world but also in the hereafter.
Relevansi Pemikiran Ekonomi Ibnu Khaldun dengan Konsep Ekonomi Pancasila Mubyarto Ja’far Shodiq; Muhammad Nizar; Muhammad Fahmul Iltiham
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7924

Abstract

Ibn Khaldun's economic thinking and the concept of Pancasila Economics developed by Mubyarto have significant relevance in understanding an economic system based on moral and social values. Ibn Khaldun emphasized the importance of cooperation, justice, and the role of the state in creating social welfare, which is in line with the basic principles of Pancasila Economics which place the economy as a tool to achieve social justice. This study aims to analyze the harmony between Ibn Khaldun's economic thinking and the concept of Pancasila Economics using a qualitative-descriptive approach through literature studies. The results of the study show that these two thoughts have similarities in aspects of the role of the state in the economy, distribution of justice, and social welfare based on ethical values and togetherness. This study contributes to providing a historical and philosophical perspective on the development of an economic system that is more oriented towards people's welfare and the principles of social justice in Indonesia.
Co-Authors Abdillah Mundir Abida, Syafaatul Alimatul Farida Alwiatul Wardah Alwiatul Wardah Antin Rakhmawati Aslikhah Farida, Alimatuf Farida, Alimatul Ifdholul Maghfur Inayah, Husnul Ja’far Shodiq Maulidatul K Muhammad Nasrudin fh Muhammad Nizar Muhammad Nizar Muhammad Sonhaji Nur Iva Apriliyah Rovi Nurhidayati Ruhbatul A’fiah Diah Ayu Ningtyas Silfiyah Sintawati, Dewi Siti Mutmainatul Rizki Solichah, Mar'atus Sukamto Sukamto . Windari, Windari Wiwin Ainis Rohtih