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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 Dinamika Ekonomi Syariah Jurnal Riset Ekonomi Syariah Al-Maqashid: Journal of Economics and Islamic Business Jurnal Ekonomi Syariah dan Hukum Islam Kartika: Jurnal Studi Keislaman Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam RESLAJ: Religion Education Social Laa Roiba Journal Journal of Authentic Research 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 Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Implementasi Akad Murabahah Pembiayaan Produktif dalam Meningkatkan Pendapatan UMKM di BMT Al – I’zzah Ngoro Mojokerto Ilmi, Yulviana Samrotul; Iltiham, Muhammad Fahmul; syu'aibi, Moh Mukhsinin
Journal of Authentic Research Vol. 5 No. 2 (2026): May
Publisher : LITPAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/nasmp504

Abstract

Penelitian ini dilatarbelakangi oleh pentingnya peran UMKM dalam meningkatkan perekonomian masyarakat, namun masih banyak pelaku usaha yang mengalami keterbatasan modal. Salah satu solusi yang dapat dilakukan adalah melalui pembiayaan produktif dengan akad murabahah pada lembaga keuangan syariah. Penelitian ini bertujuan untuk mengetahui implementasi akad murabahah pembiayaan produktif serta pengaruhnya dalam meningkatkan pendapatan UMKM di BMT Al-I’zzah Ngoro Mojokerto. Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian lapangan. Teknik pengumpulan data dilakukan melalui wawancara, observasi, dan dokumentasi. Informan penelitian terdiri dari pihak pengelola BMT dan nasabah UMKM penerima pembiayaan murabahah. Hasil penelitian menunjukkan bahwa implementasi akad murabahah di BMT Al-I’zzah dilaksanakan melalui proses pengajuan, survei, akad, pencairan dana, dan monitoring. Pembiayaan yang diberikan digunakan untuk kebutuhan usaha seperti menambah stok barang, membeli alat usaha, dan modal operasional. Setelah menerima pembiayaan, pendapatan nasabah mengalami peningkatan dan usaha menjadi lebih berkembang. This research was motivated by the important role of Micro, Small, and Medium Enterprises (MSMEs) in improving the community economy. However, many business actors still face limited business capital. One solution is productive financing through a murabahah contract in Islamic financial institutions. This study aims to determine the implementation of productive murabahah financing and its role in increasing MSME income at BMT Al-I’zzah Ngoro Mojokerto. This research used a qualitative approach with field research methods. Data were collected through interviews, observations, and documentation. The informants consisted of BMT management and MSME customers who received murabahah financing. The results showed that the implementation of murabahah financing at BMT Al-I’zzah was carried out through the stages of application, survey, contract agreement, fund disbursement, and monitoring. The financing was used for business purposes such as increasing stock, purchasing business equipment, and operational capital. After receiving the financing, customers’ income increased and their businesses developed further.
The Implementation and Inhibiting Factors of Using Qris as a Muamalah Transaction System in Islamic Boarding Schools Azmil Zamara Yasmin; Muhammad Fahmul Iltiham; Muhammad Mukhsinin Syu'aibi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (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.v8i8.12527

Abstract

The increasing access to digital financial technology has driven the adoption of non-cash payment systems in various traditional sectors, including Islamic educational institutions. This study aims to determine and describe the implementation and inhibiting factors of using Quick Response Code Indonesian Standard (QRIS) as a muamalah transaction system among students at Pondok Pesantren Ngalah, Purwosari, Pasuruan. This research applies a qualitative descriptive approach using the Miles and Huberman model for data analysis. Data were gathered through in-depth interviews, direct observations, and documentation. The results indicate that QRIS has been implemented well in daily transactions such as buying food, drinks, stationeries, and paying for printing services, driven by its perceived usefulness, efficiency, and ease of use. From a sharia perspective, the implementation of QRIS complies with muamalah principles including transparency, clarity of transactions (bayan), and mutual consent (an-taradhin), free from elements of riba (usury), gharar (uncertainty), and maysir (gambling). However, the study identifies several inhibiting factors, including an unstable internet connection in pesantren areas, low digital literacy among some users causing fear of transactional errors, deep-rooted habits of using cash, and a lack of specific educational programs on sharia digital muamalah that leads some students to equate QRIS with online loans or paylater features. This paper concludes that while digital payment adoption is growing within Islamic educational institutions, enhancement of digital infrastructure and sharia financial literacy remains critical.
Implementasi Program Makan Bergizi Gratis terhadap Perekonomian Keluarga Penerima Manfaat dalam Perspektif Maqasid Al-Syariah Jassical Mufidah; Muhammad Fahmul Iltiham; M. Mukhsinin Syu'abi
Kartika: Jurnal Studi Keislaman Vol. 6 No. 3 (2026): Kartika: Jurnal Studi Keislaman (August)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i3.1008

Abstract

This study aims to analyze the implementation of the Free Nutritious Meal Program (MBG) on the economy of beneficiary families and to review it from the perspective of Maqasid al-Shariah. A qualitative approach with a case study design was employed at the Nutrition Service Unit (SPPG) Lolawang, Mojokerto. Data were collected through observation, in-depth interviews, and documentation, then analyzed interactively through data reduction, presentation, and conclusion drawing. The findings reveal that the MBG program has been implemented in a fairly organized manner, although it still faces constraints such as limited aid quantities, suboptimal distribution, and unequal targeting. From an economic perspective, the program reduces household consumption expenditure, stabilizes family finances, and creates room for allocating income toward more productive needs. Within the Maqasid al-Shariah framework, the MBG program aligns with the preservation of life (ḥifż al-nafs), intellect (ḥifż al-‘aql), wealth (ḥifż al-māl), and progeny (ḥifż al-nasl). Although the dimension of religious protection remains implicit, the MBG program overall embodies high public benefit (maslahah) and corresponds with the objectives of Shariah in realizing societal well-being
SOCIAL MEDIA AND ONLINE FOOD DELIVERY BASED DIGITAL MARKETING STRATEGY FROM AN ISLAMIC ECONOMICS PERSPECTIVE: A CASE STUDY OF BAKSO PRESIDENT MALANG Eka Aprilia Dewitasari; Moh. Mukhsinin Syu'aibi; Muhammad Fahmul Iltiham
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 3 (2026): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v13i3.2354

Abstract

Rapid advancements in digital technology have fundamentally reshaped the way businesses operate and compete, particularly within the food and beverage sector. This study investigates how Bakso President Malang well established local meatball restaurant has leveraged digital marketing strategies through social media and online food delivery platforms to expand its customer base and improve overall sales performance. Employing a qualitative descriptive method with a case study design, data were gathered through direct observation, in-depth interviews with the business owner, and relevant documentation. The results demonstrate that active engagement on Instagram and TikTok, combined with registration on GoFood, GrabFood, and ShopeeFood, has meaningfully broadened the business's market reach and driven transaction growth. Key enabling factors include the restaurant's strong local reputation, its distinctive setting near a railway track, and a dedicated digital content management team. However, several constraints were also identified, namely high platform commission rates, limited digital marketing expertise among staff, and the lack of a structured content planning system. From an Islamic economics standpoint, the arrangement between the business and digital platforms aligns with the principles of the ijarah contract characterized by mutual willingness, clearly defined service objects, and transparent compensation terms. This study offers practical guidance for culinary SMEs seeking to integrate digital tools into an ethically grounded and sustainable business model
Co-Authors Abdillah Mundir Abida, Syafaatul Alimatul Farida Alwiatul Wardah Antin Rakhmawati Aslikhah Azmil Zamara Yasmin Eka Aprilia Dewitasari Farida, Alimatul Ifdholul Maghfur Ilmi, Yulviana Samrotul Inayah, Husnul Jassical Mufidah Ja’far Shodiq M. Mukhsinin Syu'abi Maulidatul K Moh. Mukhsinin Syu'aibi Muhammad Mukhsinin Syu'aibi Muhammad Nasrudin fh Muhammad Nizar Muhammad Nizar Muhammad Sonhaji Muhammad Taufik Kurohman Nur Iva Apriliyah Rovi Nurhidayati Ruhbatul A’fiah Diah Ayu Ningtyas Silfiyah Sintawati, Dewi Siti Ida Yanti Siti Mutmainatul Rizki Solichah, Mar'atus Sukamto Sukamto . syu'aibi, Moh Mukhsinin Windari, Windari Wiwin Ainis Rohtih