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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Ilmiah Ekonomi Islam Jurnal Hadratul Madaniyah Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business JES (Jurnal Ekonomi Syariah Minhaj: Jurnal Ilmu Syariah Jurnal Manajemen Bisnis dan Keuangan Journal of Contemporary Islamic Education Islamiconomic: Jurnal Ekonomi Islam Jurnal Ekonomi Syariah dan Bisnis International Journal of Tourism and Hospitality in Asia Pasific Jurnal Indonesia Sosial Teknologi AHKAM : Jurnal Hukum Islam dan Humaniora Innovative: Journal Of Social Science Research Journal of Islamic Education El Madani AL-SULTHANIYAH Journal of Principles Management and Bussines Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Innovative and Creativity Jalujur: Jurnal Pengabdian Masyarakat Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah International Journal of Islamic Business and Economics (IJIBEC) Jurnal Ilmu Ekonomi dan Bisnis (JUKONI) Indonesian Journal of Innovation Multidisipliner Research Jurnal Cendekia Ilmiah Jurnal Ilmiah Keagamaan dan Kemasyarakatan
El Wafa, Faqih
Universitas Islam Negeri Antasari Banjarmasin
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Productive Zakat as an Instrument for Business Development Strategy: An Analytical Hierarchy Process (AHP) Study in South Kalimantan Indonesia Yusuf Asyahri; Atika Zahra; Annisa Sayyid; Annisa Mahfuzah; Faqih El Wafa; Hafizi, Muhammad Riza
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i2.12486

Abstract

This study aims to identify and prioritize development strategies for Micro, Small, and Medium Enterprises (MSMEs) supported by productive zakat in South Kalimantan Province, Indonesia. Despite their significant contribution to regional economic growth, MSMEs continue to face challenges related to poverty and limited access to productive financing. Employing a descriptive–analytical approach, this study adopts a mixed-methods sequential explanatory design and applies the Analytical Hierarchy Process (AHP) to determine strategic priorities across MSME clusters. The results reveal notable differences in priority strategies among clusters. Government involvement, particularly through the National Zakat Agency (BAZNAS), is identified as the most influential factor in sustaining the MSME business ecosystem. Priority criteria include product quality improvement for Cluster I and human resource development for Clusters II and III. The preferred strategic alternatives emphasize enhancing human resource skills for Clusters I and II, while expanding market access through improved production and marketing channels is prioritized for Cluster III. These findings imply the need for cluster-based productive zakat allocation and financing schemes to strengthen zakat effectiveness as an Islamic social finance instrument.
Pengaruh Kualitas Pelayanan, Fasilitas Dan Harga Terhadap Loyalitas Pelanggan Di Toko Princess Cosmetics Banjarmasin Ijati Nor Inayah; Muhammad Rizali; Radiansyah Radiansyah; Faqih El Wafa
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2463

Abstract

Meningkatnya perkembangan industri di bidang kecantikan diimbangi dengan semakin banyaknya masyarakat yang membeli dan mengunjungi tempat atau toko penjualan produk kecantikan. Hal ini juga menjadi daya tarik tersendiri bagi penulis untuk meneliti mengapa masyarakat kota Banjarmasin memilih untuk belanja produk pada Toko Princess Cosmetic Banjarmasin dan menjadi landasan penulis untuk melakukan penelitian tentang Pengaruh Kualitas Pelayanan, Fasilitas, dan Harga terhadap Loyalitas Pelanggan Toko Princess Cosmetics Banjarmasin. Penelitian ini merupakan penelitian lapangan (field reseach) dalam bidang ekonomi. Karenanya, untuk memperoleh data yang diperlukan, penulis melakukan survey dan menberikan beberapa kuisioner kepada sejumlah responden untuk mendapati informasi yang diperlukan untuk penelitian ini. Hasil penelitian ini menunjukkan bahwa variabel kualitas pelyanan berpengaruh positif dan signifikan terhadap loyalitas pelanggan. Artinya semakin menarik kualitas pelayanan yang ditawarkan oleh toko Princess Cosmetic Banjarmasin, maka semakin tinggi pula loyalitas pelanggan yang di dapat. Kondisi serupa juga di tunjukkan oleh variabel fasilitas, yang berarti bahwa fasilitas berpengaruh positif dan signifikan terhadap loyalitas pelanggan semakin baik fasilitas yang di sediakan maka semakin tinggi pula loyalitas pelanggan yang didapat. Kemudian variabel harga juga berpengaruh positif dan signifikan terhadap loyalitas pelanggan. Artinya semakin terjangkau harga yang ditawarkan oleh toko Princess Cosmetic Banjarmasin, maka semakin tinggi pula loyalitas pelanggan yang di dapat.
Determinants Of The Decision Of Indonesian Workers (Tki) To Become Customers At Bank Syariah Indonesia Faqih El Wafa
Jurnal Indonesia Sosial Teknologi Vol. 4 No. 10 (2023): Jurnal Indonesia Sosial Teknologi
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jist.v4i10.764

Abstract

Hamlet, it can be concluded that Ampeldento Hamlet has a large area of 8x6m2 for a capacity of 5 service personnel. The service room has service tables, activity tables, 2 sets of Electronic Community Identity Card recording equipment, and remote benches intended for residents waiting for services. The Ampeldento Hamlet office does not yet have sufficient service facilities to provide services to residents such as at least a chair in the waiting room, there is no table for writing in the waiting room, and data tools do not yet exist. Facilities such as generators are not maximized, so when the electricity goes out, the service process will also stop everything, which means residents cannot get services. Hamlet Ampeldento in terms of reliability (reliability) in terms of reliability
The Potential of Halal Tourism for Regional Economy and Community Income: Evidence from South Kalimantan Syaugi Syaugi; Yusuf Asyahri; Faqih El Wafa
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 2 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i2.843

Abstract

The purpose of this study is to analyze the potential of halal tourism for the regional economy and its impact on community income in South Kalimantan. This study employs a combination of qualitative and quantitative approaches. The sampling technique employed was cluster sampling in three districts/cities, with a sample size of 100 respondents determined through quota sampling. The data collection technique used was structured interviews, followed by triangulation to validate the interview results. Data analysis was conducted using the Miles and Huberman approach to identify the potential for halal tourism, while quantitative analysis employed the multiplier effect approach to measure the economic impact. The study's results demonstrate the potential of halal tourism in South Kalimantan, highlighting its appeal through river destinations, floating markets, religious sites, natural attractions, marine activities, culture, and cuisine. The Keynesian Local Income Multiplier value is 1.09. Meanwhile, the Type I Income Multiplier Ratio is 3.63 and Type II is 4.15, indicating a significant increase in the income of business owners, workers, and local consumption. This study contributes to the Islamic economic literature by providing halal tourism development that not only supports regional economic growth but also aligns with Sharia principles to create mutual benefits.
Comparative Analysis of Modified Altman Z-Score and Springate Models in Predicting Financial Distress: Evidence from Property Companies Listed on the Indonesia Stock Exchange (2018-2022) Ilham, Muhammad; Asyahri, Yusuf; El Wafa, Faqih; Syaugi, Syaugi; Alfisah, Alfisah
Jurnal Manajemen Bisnis dan Keuangan Vol 7 No 1 (2026): April 2026
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v7i1.490

Abstract

This research aims to analyze differences in bankruptcy prediction results using two methods, the Altman Z-Score and Springate, for property companies listed on the Indonesian Stock Exchange during 2018-2022. This type of research is both quantitative and descriptive. Purposive sampling was used; four companies were selected according to the criteria, and those that regularly published their financial reports in 2018-2022 were included as samples in this research. The results show that the Modified Altman Z-Score provides a more realistic assessment of gradual financial deterioration. At the same time, the Springate model is overly sensitive to short-term declines in profitability and tends to overclassify firms as financially distressed during the pandemic. The findings suggest that the Modified Altman Z-Score is a more suitable early warning tool for financial distress in the property sector, with important implications for monitoring working capital and EBIT as key indicators of financial resilience.
Analysis of Promotion Strategy on PRUCinta Syariah Life Insurance Products Through Social Media (Study at PT. Prudential PRUFure Team BJ8 in Banjarmasin) Nikmah Nikmah; Faridah Faridah; Ahda Fithriani; Faqih El Wafa
AHKAM Vol 4 No 3 (2025): SEPTEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v4i3.6667

Abstract

This research explores the promotional strategy for the PruCinta Sharia life insurance product through social media, with a focus on the implementation of Islamic principles in marketing practices at PT. Prudential Prufure Team BJ8 in Banjarmasin. The study is motivated by the central role of ethical strategy in Sharia-compliant insurance, emphasizing the prohibition of dishonest practices such as fraud, deceit, and exploitation. Employing a qualitative descriptive approach, data were collected through interviews with nine informants and analyzed using data reduction, data presentation, and conclusion drawing techniques. The findings indicate that the promotional strategy is carefully designed and centers on leveraging social media to maximize outreach and engagement. Instagram emerged as the most effective platform due to its visual appeal and ability to connect directly with potential clients. The strategy aligns with Islamic ethical standards, emphasizing transparency, honesty, and fairness in the communication of product benefits. The use of social media not only enhances visibility but also fosters trust and relatability among target audiences. The study concludes that ethically grounded and strategically executed social media promotion is key to advancing the reach and credibility of Sharia life insurance products like PruCinta.
The Effect Of Religiousness On The Performance Of Outsourced Employees At PT Basirih Industrial Banjarmasin Luqmanul Hakim; Abdul Gafur; Faqih El Wafa; Ansharullah Ansharullah
Indonesian Journal of Innovation Multidisipliner Research Vol. 4 No. 2 (2026): April - Juni
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v4i2.903

Abstract

This study aims to determine whether religiosity has a positive and significant effect on the performance of outsourced employees at PT Basirih Industrial Banjarmasin. This research employs a quantitative survey approach. The population in this study is outsourced employees who work in the core production section of PT Basirih Industrial Banjarmasin. The sample in this study amounted to 94 respondents. The sampling technique used was purposive. Data was collected by distributing questionnaires through the Google Form service. The data analysis technique used is a simple linear regression analysis test. Data were analyzed using the SPSS 25 program for Windows. The results of the data analysis showed that the results of the T test obtained a T count (5.178) > T table (1.986) and a significance value of 0.000 < 0.05. Meanwhile, the coefficient of determination test (R-squared) yielded a value of 0.226, equivalent to 22.6%, indicating that the religiosity variable has a 22.6% influence on the performance of outsourced employees.  
Co-Authors Abdul Gafur Ahda Fithriani Aldi Aditya Sarman Alfisah, Alfisah Anida Yuspa Annisa Anisykurlillah Annisa Mahfuzah ANNISA SAYYID Ansharullah Ansharullah Ansharullah Ansharullah Anwar Hafidzi Ar Ridha, Gt Syifa Noor Asyahri, Yusuf Atika Zahra Badrian Badrian Defina Armelia Febriyanti Dwi Jayanti Ratna Kumala Sari ERISSA NILASARI Faridah , Faridah Faridah Faridah Faridah Faridah Faridah Faridah Fitriani, Ahda Hamdan Hamdan Huliyyah Ijati Nor Inayah Ilham Fajar Luqmanul Hakim Mariam Mariam Maulana, Satriya Mohd Hatta Md Hani Muhaimin Muhaimin Muhammad Ilham Muhammad Riza Hafizi Muhammad Rizali Muhammad Saleh Nanda, Azra Salsabila Nikmah Nikmah Nisa Rahmawati, Nisa Norlina Pati Matu Jahra Radiansyah Radiansyah Radiansyah Rahmah Rahmah Rizali , Muhammad Rizali, Muhammad Salim, Anisa Diyanti Saputri, Rizki Aulia Satriya Maulana Sitti Rahmasari Syamsiar, Syamsiar Syaugi Syaugi