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All Journal Ordik Teori dan Penelitian Pendidikan Dasar ISLAMICA: Jurnal Studi Keislaman Jurnal Ilmiah Teknik Industri JURNAL EKONOMI DAN BISNIS AIRLANGGA Jurnal Ilmiah Ekonomi Islam AKRUAL: Jurnal Akuntansi Perisai : Islamic Banking and Finance Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics AFEBI Islamic Finance and Economic Review JURNAL EDUCATION AND DEVELOPMENT JPP IPTEK (Jurnal Pengabdian dan Penerapan IPTEK) Shirkah: Journal of Economics and Business Istinbath: Jurnal Hukum dan Ekonomi Islam Syarikat : Jurnal Rumpun Ekonomi Syariah Iqtishoduna: Jurnal Ekonomi Islam International Journal of Islamic Business and Economics (IJIBEC) J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Amwaluna Jurnal Ekonomi dan Keuangan Syariah LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Jurnal Abdi Masyarakat (JAM) BISEI: Jurnal Bisnis dan Ekonomi Islam Jurnal Ilmiah Edunomika (JIE) Jurnal Hukum Ekonomi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Inovasi Penelitian El-Qist : Journal of Islamic Economics and Business (JIEB) Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Journal of Islamic economy and Community Engagement Abimanyu: Journal of Community Engagement Jurnal Ekonomika dan Bisnis Islam JANITA Formosa Journal of Multidisciplinary Research (FJMR) Jurnal Pengabdian Masyarakat: BAKTI KITA Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat Amal Ilmiah: Jurnal Pengabdian Kepada Masyarakat Socius: Social Sciences Research Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
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Pengaruh Tabungan Wadiah, Pembiayaan Bermasalah (NPF) dan Risiko Likuiditas (FDR) Pada Produk ‘Tepat Pembiayaan Syariah’ Terhadap Profitabilitas (ROA) PT. Bank BTPN Syariah Tbk (2015 – 2023) Dewi, Aulia Siska Puspita; Anwar, Moch Khoirul; Badrul Munir, Maryam Bte
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 14 No. 1 (2024): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2024.14.1.64-81

Abstract

This study aims to investigate the influence of waḍī‘ah savings, Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR) on the profitability (Return on Assets/ROA) of PT. Bank BTPN Syariah Tbk, focusing on its flagship product, Tepat Sharia Financing, over the period 2015–2023. Employing an associative quantitative approach, the research utilizes secondary quarterly financial data analyzed through multiple linear regression using EViews 12. The results demonstrate that waḍī‘ah savings have a significant positive effect on profitability, while both NPF and FDR exert significant negative effects on ROA. The model explains 75.91% of the variation in profitability. These findings highlight the critical role of liquidity management and credit risk control in ensuring the sustainability of Islamic microfinance-focused banks. The key contribution of this study to the international Islamic banking literature lies in its empirical evidence from a microfinance-driven Islamic bank model, which remains underexplored globally. It underscores how tailored savings products combined with responsible risk management can enhance financial performance, offering valuable insights for Islamic banks operating in emerging economies with similar socio-economic contexts.
Pengaruh Faktor Pribadi dan Sosial Terhadap Keputusan Anggota Memilih BMT NU Ngasem Cabang Kapas Sebagai Pembiayaan Kiki Fitrian Wulandari; Moch Khoirul Anwar
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.2613

Abstract

This research aims to analyze the influence of personal and social factors on members' decisions to choose BMT NU Ngasem Kapas Branch as funding. The research method applied is through a quantitative approach, by collecting primary data through distributing questionnaires in the form of Google from. Samples were taken using the probability sampling method with the criteria of financing members at BMT NU Ngasem Kapas Branch. The results of research using the SPSS program show that in hypothesis testing, namely partial and simultaneous tests, personal and social factors have a significant influence on members' decisions in choosing BMT NU Ngasem Kapas Branch as funding. The existence of personal factors and social factors strengthens members' decisions in choosing BMT NU Ngasem as funding.
Analisis Analisis Kinerja Bank BTPN Syariah Periode 2021 – 2023 Menggunakan Metode Indeks Maqashid Syariah Akbar Budi Sampurno; Moch Khoirul Anwar; Maryam Bte Badrul Munir
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (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.v5i12.5368

Abstract

The aim of this research is to determine the performance of BTPN Syariah bank from 2021 to 2023 using the maqashid sharia index method. The instrument for assessing the performance of sharia banks is the maqashid sharia index which measures the success of a business based on the benefits provided to the wider community. This research uses a quantitative methodology with a descriptive approach, utilizing data sources originating from the annual financial reports of BTPN Syariah bank. Research findings show that the value of the maqashid sharia index on the performance of BTPN Syariah bank has fluctuated. This shows that the performance of BTPN Syariah bank in 2021–2023 is not as good as expected in fulfilling maqashid sharia objectives. The decline in the maqashid sharia index ratio value is currently the cause of the performance of BTPN Syariah bank. Additionally, certain ratios, such as reasonable profits and personal income, cannot be calculated. This is because BTPN Syariah bank does not manage zakat funds and does not apply the PER ratio in the financial audit system in its annual financial reports.
Peran Program Gerakan Masyarakat Berdaya (GAMASYA) dalam Upaya Menciptakan Ekosistem Usaha Adaptif Muzayyanah, Apriliani; Anwar, Moch. Khoirul
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 8 No 1 (2023): Juni 2023
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v8i1.3666

Abstract

Adanya pandemi Covid-19 membuat pemerintah harus mengeluarkan kebijakan Pembatasan Sosial Berskala Besar (PSBB) untuk meminimalisir penyebaran virus kepada masyarakat. PSBB ini membuat praktik ekonomi masyarakat menjadi terbatas. Terbatasnya praktik ekonomi mengakibatkan pengurangan jam kerja, penurunan pendapatan, dan PHK masal. Penelitian ini bertujuan untuk menganalisis praktik, peluang dan tantangan, serta peran program GAMASYA dalam menciptakan ekosistem usaha yang adaptif. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan memilih LAZIS Nurul Falah Surabaya sebagai lokasi penelitian. Pengumpulan data dilakukan dengan metode wawancara, observasi, dan dokumentasi. Hasil penelitian ini menunjukan bahwa program GAMASYA memiliki peluang untuk menciptakan ekosistem usaha yang adaptif dengan menguatkan potensi dari aspek digitalisasi dan kemitraan untuk keberlanjutan jangka panjang. Implikasi praktik dari penelitian ini digunakan sebagai masukan atau bahan evaluasi bagi instansi mengenai program GAMASYA sehingga mampu berkelanjutan dengan memperhatikan aspek peluang yang ada.
Praktik Arisan Kelompok Tani Sebagai Upaya Pemberdayaan Masyarakat Dalam Perspektif Ekonomi Islam Di Desa Werungotok Kota/Kabupaten Nganjuk Novari, Ardelia Ria; Anwar, Moch. Khoirul
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 8 No 1 (2023): Juni 2023
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v8i1.3668

Abstract

Ditengah situasi krisis ekonomi khususnya pada bidang pangan saat ini maka perlu suatu upaya pemberdayaan yang berkaitan dengan pangan. Arisan kelompok tani merupakan salah satu komunitas di Desa Werungotok Kabupaten Nganjuk yang dibentuk sebagai salah satu upaya pemberdayaan untuk dapat mendorong kesejahteraan masyarakatnya melalui kegiatan-kegiatan yang diadakan. Tujuan penelitian ini ialah untuk mengkaji praktik arisan kelompok tani pada Desa Werungotok sebagai upaya pemberdayaan masyarakat dalam perspektif ekonomi Islam. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan metode studi kasus. Hasil penelitian ini menunjukan bahwa arisan kelompok tani sebagai upaya pemberdayaan dinilai sangat bermanfaat bagi masyarakat tani Desa Werungotok, namun juga pada praktiknya terdapat suatu permasalahan dimana pada praktik arisan yang dilakukan dinilai kurang sesuai dengan akad-akad dalam ekonomi syariah khususnya pada akad qardh. Penelitian ini memiliki implikasi terhadap pengembangan ilmu pengetahuan mengenai bagaimana bermuamalah secara islami khususnya dalam hal arisan.
Produktivitas dalam Perspektif Ekonomi Islam Anwar, Moch. Khoirul
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 5 No 01 (2020): Juni
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v5i01.714

Abstract

Islam teaches productivity. However, there are still many Muslims live below the poverty line. This paper aims to analyze the productivity concept in the Islamic Economics perspective. This paper used the library research method, which focuses on various literature that discussed productivity in the Islamic Economics perspective. The data was analyzed using Content Analysis to identify the specific characteristics of the message or data that have been collected. The result showed that Islamic Economics teaches and pays attention to productivity, among them is making the best use of time. Productivity in Islamic economics is not only measured by the results of material (physical) but also immaterial (spiritual) and its orientation not only about the happiness in the world, but also the hereafter.
The Influence of the Internalization of Religious Values and the Pesantren Lifestyle on the Control of Consumptive Behavior among Muslim University Students in Surabaya Sholeha, Sofia Imroatus; Anwar, Moch. Khoirul
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 8 (2026): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19389207

Abstract

This study aims to analyze the influence of the internalization of religious values and the pesantren lifestyle on the control of consumptive behavior among Muslim university students in Surabaya. The research uses an associative quantitative approach with primary data collected through an online questionnaire. The sample consists of 153 respondents selected using purposive sampling from various universities in Surabaya. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 23. The results show that the internalization of religious values has a significant and negative effect on consumptive behavior (t = -3.363; sig. = 0.001), meaning that the higher the internalization of religious values, the lower the students’ consumptive behavior. Meanwhile, the pesantren lifestyle does not have a significant partial effect (t = -1.349; sig. = 0.179). However, simultaneously, both variables have a significant effect on consumptive behavior (F = 15.728; sig. 0.000) with a contribution of 17.3% (R² = 0.173). These findings imply that strengthening the continuous internalization of Islamic values is an important strategy in shaping moderate and responsible consumption patterns among Muslim students with pesantren backgrounds.
Literasi dan Edukasi Keuangan Waspada Investasi Bodong Guru Migran Sekolah Indonesia di Arab Saudi Abdul Mongid; Susanti Susanti; Anang Kistyanto; Moch. Khoirul Anwar; Badrus Sholeh
Amal Ilmiah: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 2 (2026): Edisi Juli 2026
Publisher : FKIP Universitas Halu Oleo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36709/amalilmiah.v7i2.778

Abstract

PKM-I ini merupakan implementasi dan evaluasi program literasi keuangan dan edukasi pendidikan investasi bagi guru-guru Sekolah Indonesia di bawah Kedutaan Besar Republik Indonesia di Arab Saudi. Program ini bertujuan berhasil meningkatkan pemahaman para guru dan tenaga pendidikan tentang literasi keuangan dan identifikasi skema investasi penipuan (investasi bodong) sebesar 34%, termasuk skema Ponzi. Kegiatan-kegiatan tersebut disampaikan melalui sesi pelatihan, diskusi berbasis kasus, dan evaluasi lanjutan menggunakan kuesioner google form. Hasil evaluasi menunjukkan bahwa meskipun peserta menunjukkan pemahaman dasar tentang konsep keuangan, sejumlah besar peserta tetap rentan ketika dihadapkan pada tawaran investasi yang menjanjikan imbal hasil tinggi dengan janji risiko rendah. Hal ini menunjukkan bahwa literasi keuangan dan kesadaran peserta terhadap risiko investasi masih tidak merata, suatu keadaan harus diatasi. Temuan ini menekankan pentingnya pendidikan keuangan yang berkelanjutan dan terstruktur untuk memperkuat pengambilan keputusan keuangan dan mengurangi paparan terhadap penipuan investasi. Meningkatkan literasi keuangan guru juga secara strategis penting, karena mereka dapat mentransfer pengetahuan keuangan yang baik kepada siswa yang bermanfaat bagi siswa.
Scientific Dynamics and Research Frontiers of Maqashid al Shariah in Islamic Economics: A VOSviewer-Based Bibliometric Exploration Fadila Nur Afidah Rizki; Innisa Khofifatul Ummah; Aulia Nur Aini; Bambang Sugeng; Luqman Hakim; Moch. Khoirul Anwar
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19986

Abstract

This study aims to analyze the scientific dynamics, intellectual structure, and emerging research frontiers of Maqashid al-Shariah in Islamic Economics through a bibliometric approach. The increasing global development of Islamic economics and the growing integration of maqashid al-shariah into sustainability, ethical finance, and social welfare issues have significantly expanded academic interest in this research domain. However, comprehensive mapping regarding thematic evolution, collaboration networks, and research trends remains limited. This study employed a quantitative bibliometric method combined with a systematic literature review (SLR). Data were collected from the Scopus database using maqashid-related keywords, yielding 192 peer-reviewed publications between 2011 and 2025. The data were analyzed using VOSviewer version 1.6.20 through co-occurrence, co-authorship, co-citation, bibliographic coupling, and overlay and density visualizations. The findings indicate a substantial increase in maqashid al-shariah publications, particularly after 2018, with Malaysia accounting for 58.33% of total publications, followed by Indonesia at 21.88%. The dominant research themes include Islamic banking, Islamic finance, sustainable development, social welfare, ESG, and Islamic social finance. The overlay visualization further reveals the emergence of contemporary topics, including Islamic fintech, the digital economy, and sustainability-oriented Islamic economics. The study concludes that maqashid al-shariah has evolved into an interdisciplinary and globally relevant framework capable of supporting ethical, inclusive, and sustainable economic development.
PENINGKATAN LITERASI KEUANGAN SYARIAH MELALUI PELATIHAN PENGELOLAAN DAN KEUANGAN MASJID DI KARANGPILANG SURABAYA Nurwinsyah Rohmaningtyas; Ach Yasin; Ramdani Ramdani; Moch Khoirul Anwar; Chiquita Kumala Putri Subagjo
Jurnal Pengabdian Masyarakat : BAKTI KITA Vol. 6 No. 1 (2025): Nopember - April
Publisher : LPPM Universitas Islam Darul 'Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/baktikita.v6i1.8800

Abstract

Currently, the Indonesian Mosque Council has management at the provincial and city district levels. One of the managements at the Regency/City Level is the Indonesian Mosque Council (DMI) of Surabaya City. DMI Surabaya City has 26 branches and oversees 1,759 mosques, according to data from the Central Statistics Agency (BPS) regarding the number of mosques in Surabaya in 2023. However, the obstacle for mosque administrators currently is that they still do not know how to manage mosque funds well. Hopely, the mosque takmir can make plans for the mosque's financial potential which can be managed effectively and efficiently with the aim of providing benefits to the people. The purpose of this service is to introduce the community, especially the mosque takmir in Surabaya about sharia finance and how to manage and administer the mosque accordance with sharia. The method used is Community-Based Research (CBR), starting from problem identification, discussions with partners then offering solutions, socializing them followed by evaluation and ends with the report.
Co-Authors A'rasy Fahrullah Abdul Mongid Ach. Yasin Achmad Syaiful Nizar Achmad Syaiful Nizar, Achmad Syaiful ADAM DAMANHURI Adi Soeprijanto Adi Soeprijanto Agita, Ghea Ahmad Ajib Ridlwan Ahmad Nurdjayanto Akbar Budi Sampurno Alfisyah, Karina Dewi Amaniatus Safina Amelinda, Tiara Novia Amrozi Khamidi Anang Kistyanto Anis Setyowati Anwar, Lukman Hakim Arasyi Fahrulloh Arilia, Linawati Aulia Nur Aini Azidni Rofiqo A’rasy Fahrullah Badrul Munir, Maryam Bte Badrus Sholeh Bambang Sugeng Cantik Siska Anggraeni Chiquita Kumala Putri Subagjo Clarashinta Canggih Dewi, Aulia Siska Puspita Dewie Trie Wijayati Dita Lestari Eka Hendi Andriansyah Fadila Nur Afidah Rizki Fahmi, Moh Farih Fahmi, Moh. Farih Fahrullah, Faiq, Muhammad Ammar Farhana, Nora Farita Fayza Karunia Asadanie Febrianto, Nur Fitroh Fikriyah, Khusnul Fira Nurafini Gigih Yoga Pratama Hariyati Hasib, Abd. Hediana, Demara Hendry Cahyono Hidayat, Moch Amrizal Hidayatulloh, Rizky Hujjatullah Fazlurrahman Innisa Khofifatul Ummah Islamiyati, Dina Ismawati, Yuliana Iwan Vanany Iwan Vanany Izza Malika Nusrodiniyah Khasanah, Irodatul Khoirun Kiki Fitrian Wulandari Lilik Fatmawati Lilik Fatmawati, Lilik Lilla Alfira Litania Nesesita Luqman Hakim Mahmuda, Rifaatul Mariroh, Silvi Mata'atul Maryam Bte Badrul Munir Maryam Bte Badrul Munir Megawati, Rahayu Meivin Ilhaniyah , Syelin Rosalina Moh Farih Fahmi Moh Farih Fahmi Moh. Danang Bahtiar Mohammad Syahidul Haq Mohammad, Dhanisyah Mohd Noh, Mohd Shahid Bin Muhamad Soleh Muhammad Fajar Wahyudi Rahman Muhammad Hasan Muzaki Muhammad Rizky Irza Fachruddin Muharromah, Gabriele Lailatul Muzayyanah, Apriliani Nabila Ayu Lestari Novari, Ardelia Ria Nuha, Buja Lizammin Nur Fitroh Febrianto Nurul Kumala, Firza Oktavia Nurwinsyah Rohmaningtyas Prabowo, Prayudi Setiawan Putri, Sayyidah Rachma Indrarini Rachmad Syaifudin Rachmawati, Shafiya Aurelia Rahayu, Dea Putri Rahmad Syaifudin Ramdani Ramdani Ridlwan, Ajib Rohmatul Laili, Wakhidah Nur Saputra, Hendrik Sari, Febriana Fitria Sholeha, Sofia Imroatus Sholichah, Wildatus Siska Petridila Sri Abidah Suryaningsih Suharto, Aisyiatus Shahiyah Susanti Susanti Susanti Susanti Susi Handayani Syahadatina, Dini TRIHANTOYO, SYUNU Utami, Danita Astri Wahyu Adi Nugroho Wakhidah Nur Rohmatul Laili Wildatus Sholichah Wulan Daru, Nadia Yudhistira Satria Dewa Yunitasari, Vivi Zafira, Amara Rida Zuhria, Amina Tuz Zulfa, Fina Lailiz