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All Journal IJEBD (International Journal Of Entrepreneurship And Business Development) Jurnal Tabarru': Islamic Banking and Finance LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Jurnal Informatika Ekonomi Bisnis Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Minhaj: Jurnal Ilmu Syariah ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Ekosiana : Jurnal Ekonomi Syariah Ar-Ribhu: Jurnal Manajemen dan Keuangan Syariah Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam International Journal of Management and Business Economics Journal of Educational Management Research Jurnal Informatika Ekonomi Bisnis JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Jurnal Investasi Islam Finance J-MABES Journal of Sharia Economics, Banking and Accounting IJELaSS: International Journal of Education, Language and Social Scince Currency Jurnal At-Tamwil: Kajian Ekonomi Syariah
Moh. Abd. Rahman
Universitas Islam Zainul Hasan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Analysis Of Digital-Based Sharia Banking Services On Customer Experience : A Case Study Of BSI KCP Probolinggo Brak Rofa Lailatul Hasanah; Moh. Abd Rahman; Hayatul Millah
International Journal of Management and Business Economics Vol. 4 No. 3 (2026): June
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v4i3.1630

Abstract

This study aims to analyze the form and quality of digital-based Islamic banking services and customer experiences in using these services. It also examines the factors influencing customer experiences in the context of digital Islamic banking. The study employed a qualitative approach with a case study method at Bank Syariah Indonesia (BSI). Data were collected through in-depth interviews, observation, and documentation. The data were analyzed using an interactive model consisting of data reduction, data presentation, and conclusion drawing. The findings show that the BSI Mobile application provides various digital transaction features that improve convenience and efficiency for customers. However, the quality of digital services is not yet fully optimal. Several problems remain, including system disruptions, delayed transaction notifications, and difficulties during account activation. Customer experiences were found to be heterogeneous. Some customers perceived digital services as practical and convenient, while others experienced difficulties due to limited digital literacy and technical barriers. This study further reveals that customer experience in Islamic digital banking is shaped not only by technological and service factors, but also by Islamic values such as trust, transparency, and religious commitment. This finding represents the main novelty of the study by extending the concept of customer experience beyond functional and emotional dimensions toward a religious value dimension within Islamic banking services
The Effects of Islamic Economic Revitalization Discourse on Institutionalizing the Zakat Management System in Contemporary Indonesia Moh. Abd. Rahman; Abdul Bari
J-Mabes: Jurnal Manajemen, Akuntansi, Bisnis Dan Studi Ekonomi Syariah Vol 4 No 1 (2026): J-MABES
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/j-mabes.v2i2.608

Abstract

This study aims to analyze the effects of Islamic economic revitalization through the discourse of institutionalizing the zakat management system in contemporary Indonesia. Zakat, as one of the pillars of Islamic economics, has great potential to improve the social and economic welfare of society. However, zakat management in Indonesia still faces challenges in terms of the effectiveness of its distribution and utilization. Using a qualitative approach, this article examines various policies that have been implemented in zakat management and the role of zakat institutions in promoting economic growth based on Islamic values. This study also discusses how revitalizing the Islamic economy can provide a solution to the economic inequality that exists in Indonesia. By establishing a more organized and institutionalized zakat management system, it is hoped that a fairer and more effective distribution system will be created, and the goal of inclusive and sustainable economic development will be achieved more quickly.
PENGARUH WORK-LIFE BALANCE DAN JOB INSECURITY TERHADAP TURNOVER INTENTION DENGAN EMPLOYEE ENGAGEMENT SEBAGAI VARIABEL MEDIASI (STUDI KASUS PADA KARYAWAN PT. MARGA SOLUSI PRIMA) Mufti Amirul Mu'minin; Moh. Abd. Rahman; Budi Eko Soetjipto; Agung Winarno
Currency (Jurnal Ekonomi dan Perbankan Syariah) Vol. 5 No. 1 (2026): Currency
Publisher : LP2M AL-KHAIRAT PAMEKASAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/currency.v5i1.2095

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh Work-Life Balance dan Job Insecurity terhadap Turnover Intention baik secara langsung maupun melalui Employee Engagement sebagai variabel mediasi. Pendekatan yang digunakan adalah kuantitatif eksplanatori dengan populasi sebanyak 184 karyawan PT Marga Solusi Prima. Melalui teknik purposive sampling dan bantuan sample size calculator, diperoleh sampel sebanyak 125 responden. Pengumpulan data menggunakan kuesioner daring yang dianalisis menggunakan analisis jalur (path analysis) dibantu program SPSS versi 27. Hasil analisis jalur menunjukkan bahwa Work-Life Balance dan Job Insecurity terbukti memiliki pengaruh langsung yang signifikan terhadap Turnover Intention. Di sisi lain, Work-Life Balance tidak memiliki pengaruh signifikan terhadap employee engagement, sedangkan Job Insecurity memiliki pengaruh negatif dan signifikan terhadap employee engagement. Hasil uji mediasi membuktikan bahwa Employee Engagement tidak mampu memediasi pengaruh Work-Life Balance terhadap Turnover Intention. Namun, Employee Engagement terbukti berperan signifikan sebagai mediator dalam hubungan antara Job Insecurity terhadap Turnover Intention. Temuan ini menegaskan pentingnya pengelolaan ketidakamanan kerja guna menjaga stabilitas operasional jalan tol.
Transforming Social Studies Learning in MI/SD through the Integration of Problem-Based Learning and Augmented Reality to Strengthen HOTS: A Literature Review: English Julianda; Ahmad Fauzi; Indri Yani; Moh. Amiruddin Bin Haji Abd. Rahman
International Journal of Education, Language, and Social Science Vol. 4 No. 1 (2026): IJELaSS: International Journal of Education, Language and Social Science
Publisher : Darul Ilmi Bina Insan Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62612/ijelass.v4i1.91

Abstract

Social Studies (IPS) learning at the Madrasah Ibtidaiyah (MI) and Elementary School (SD) levels continues to face challenges, including teacher-centered instruction, memorization-oriented learning, limited contextual experiences, and the underutilization of educational technology to foster Higher Order Thinking Skills (HOTS). These conditions highlight the need for a learning transformation that integrates innovative pedagogy with digital technology. This study aims to analyze the transformation of Social Studies learning through the integration of Problem-Based Learning (PBL) and Augmented Reality (AR) as a conceptual approach to strengthening students’ HOTS. The study employed a library research design using a systematic literature search conducted between January and April 2026 across Google Scholar, Scopus, ERIC, ScienceDirect, and SpringerLink. Following predefined inclusion and exclusion criteria, 38 relevant publications published between 2020 and 2026 were selected through identification, screening, eligibility assessment, and qualitative conceptual synthesis. Data were analyzed using content analysis to identify recurring themes and conceptual relationships among learning transformation, PBL, AR, and HOTS. The synthesized literature suggests that integrating PBL and AR provides complementary pedagogical and technological support for creating more contextual, interactive, collaborative, and student-centered Social Studies learning environments that encourage higher-order thinking. The reviewed evidence further indicates that the successful implementation of this approach depends not only on instructional innovation but also on teachers’ pedagogical competence, technological readiness, and institutional support. Overall, the literature synthesis provides a conceptual framework that may inform future instructional practices and empirical research on technology-enhanced Social Studies learning at the MI/SD level.
Implementation Of A Virtual Account System In Improving School Administrative Payment Order: A Case Study At SMP Zainul Hasan 1 Genggong Kurrotu Aini; Maula Nasrifah; Moh. Abd. Rahman
International Journal of Management and Business Economics Vol. 4 No. 3 (2026): June
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v4i3.1852

Abstract

The development of information and communication technology has driven the transformation of school financial administration through the implementation of a virtual account system to improve the orderliness of school administrative payments, efficiency, and transparency. This study aims to analyze the implementation of a virtual account system in improving the orderliness of school administrative payments at SMP Zainul Hasan 1 Genggong and identify the benefits and obstacles faced. This study used a qualitative approach with a case study type. Data were collected through interviews, observations, and documentation involving the principal, administrative staff, and parents. The results showed that the virtual account system was able to improve the orderliness of school administrative payments, as indicated by an increase in timely payments from 63% to 80%. This system also increased administrative efficiency through automatic recording and real-time verification and supported transparency in financial management. The main obstacles identified were limited digital literacy and internet access. Overall, the virtual account system made a significant contribution to improving the orderliness of school administrative payments, efficiency, and transparency in school financial administration.
The Impact Of Bankung Digitalization And Productive Credit Distribution On The Performance Of Micro,Small and Medium Enterprises ( Msmes) During The 2023–2025 Period M. Yahya Azzahid; Nun Tupa; Moh. Abd Rahman
International Journal of Management and Business Economics Vol. 5 No. 1 (2026): October (Inpres)
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v5i1.2010

Abstract

This study aims to analyze the impact of banking digitalization and productive credit distribution on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia during the period 2023–2026. The rapid development of digital technology in the banking sector has introduced various digital financial services that facilitate financing access, transactions, and financial management for MSMEs. Meanwhile, productive credit serves as an essential instrument in improving business capacity, productivity, and competitiveness. This research employed a quantitative approach using an explanatory research design. The sample consisted of 200 MSME owners who utilized digital banking services and received productive loans from banking institutions across Indonesia. Data were analyzed using multiple linear regression supported by statistical software. The findings revealed that banking digitalization had a positive and significant effect on MSME performance, contributing 38.4% to performance improvement. Productive credit distribution also had a positive and significant impact, contributing 42.7%. Simultaneously, both variables explained 68.5% of the variance in MSME performance. These findings indicate that enhancing access to digital banking services and optimizing productive credit programs can become effective strategies for strengthening sustainable MSME growth. This study provides implications for policymakers, banking institutions, and business actors in formulating strategies to strengthen the national digital economic ecosystem and improve financial inclusion among MSMEs.
PERAN MAQASID AL-SYARI’AH DALAM MENCIPTAKAN KETAHANAN FINANSIAL PENSIUNAN YANG BERKELANJUTAN DI BANK SYARIAH INDONESIA Rika Amiliya; Nuntupa Nuntupa; Moh Abd Rahman
Currency (Jurnal Ekonomi dan Perbankan Syariah) Vol. 4 No. 2 (2026): Currency
Publisher : LP2M AL-KHAIRAT PAMEKASAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/currency.v4i2.2309

Abstract

Kelompok pensiunan tergolong rentan secara finansial karena sumber pendapatan aktif mereka telah terhenti, sementara berbagai pengeluaran rutin, biaya kesehatan, dan tekanan ekonomi justru terus bertambah. Bank Syariah Indonesia (BSI) Cabang Kraksaan Probolinggo menjadi salah satu lembaga yang aktif menjangkau segmen ini lewat produk Pembiayaan Pensiun BSI, namun ketersediaan layanan berbasis syariah semata belum tentu menjamin terwujudnya ketahanan finansial bagi nasabah pensiunan. Penelitian ini disusun untuk (1) mencermati bagaimana prinsip Maqasid Al-Syari’ah diterapkan dalam layanan BSI bagi nasabah pensiunan, (2) memetakan kondisi ketahanan finansial pensiunan saat ini, dan (3) mengkaji peran Maqasid Al-Syari’ah dalam membangun ketahanan finansial yang berkelanjutan. Desain kualitatif deskriptif digunakan dengan menghimpun informasi dari pegawai BSI Cabang Kraksaan maupun nasabah pensiunan aktif. Data dikumpulkan melalui wawancara mendalam, observasi non-partisipatif, dan penelusuran dokumen, kemudian dianalisis mengikuti kerangka Miles dan Huberman yang meliputi reduksi data, penyajian data, dan penarikan kesimpulan. Temuan menunjukkan bahwa penerapan Maqasid Al-Syari’ah khususnya dimensi hifz al-mal (perlindungan harta), keadilan, edukasi keuangan, kemudahan akses, dan keberlanjutan layanan berdampak positif terhadap ketahanan finansial pensiunan dalam hal kecukupan pendapatan, likuiditas darurat, manajemen utang, literasi keuangan syariah, dan keberlanjutan finansial jangka panjang. Penelitian ini merekomendasikan agar BSI memperkuat edukasi keuangan syariah secara terstruktur dan memperluas produk pensiun yang lebih inklusif.
ANALISIS IMPLEMENTASI ETIKA BISNIS ISLAM PADA PERDAGANGAN DI ERA DIGITAL Abd Ghafur; Moh. Abd. Rahman
Currency (Jurnal Ekonomi dan Perbankan Syariah) Vol. 4 No. 2 (2026): Currency
Publisher : LP2M AL-KHAIRAT PAMEKASAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/currency.v4i2.2310

Abstract

Transformasi teknologi digital telah mengubah pola perdagangan masyarakat melalui transaksi yang semakin praktis, efisien, dan mampu menjangkau pasar yang lebih luas. Di balik kemudahan tersebut, berbagai persoalan etika masih ditemukan, seperti penyampaian informasi produk yang tidak sesuai dengan kondisi sebenarnya, penggunaan ulasan fiktif, serta promosi yang bertentangan dengan prinsip syariah. Penelitian ini bertujuan mengkaji implementasi prinsip-prinsip etika bisnis Islam dalam praktik perdagangan digital sekaligus menganalisis berbagai kendala yang memengaruhi penerapannya. Penelitian menggunakan pendekatan kualitatif dengan metode studi kepustakaan melalui penelaahan buku, artikel ilmiah, dan publikasi akademik yang relevan. Hasil kajian menunjukkan bahwa prinsip kejujuran, amanah, keadilan, transparansi, dan tanggung jawab telah menjadi acuan dalam penyelenggaraan transaksi digital, meskipun penerapannya belum berlangsung secara konsisten. Kondisi tersebut dipengaruhi oleh tingginya persaingan usaha, keterbatasan pemahaman terhadap etika bisnis Islam, serta karakteristik ekosistem platform digital. Oleh sebab itu, penguatan literasi etika dan optimalisasi pengawasan diperlukan untuk mendukung terwujudnya perdagangan digital yang selaras dengan prinsip-prinsip syariah.
IMPLEMENTASI SISTEM BAGI HASIL PADA KERJA SAMA PEMELIHARAAN (GADUH) SAPI DI DESA LIPRAK KULON KABUPATEN PROBOLINGGO Nur Islamiyah; Moh. Abd. Rahman
Jurnal Investasi Islam Vol. 7 No. 1 (2026): Jurnal Investasi Islam (In Press)
Publisher : LP2M Al-Khairat Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/jii.v7i1.2287

Abstract

Mayoritas masyarakat Desa Liprak Kulon berprofesi sebagai petani dan peternak sapi. Kondisi lingkungan yang asri, mendukung pemeliharaan sapi relatif mudah dilakukan. Namun, tidak semua masyarakat mampu membeli sapi karena keterbatasan ekonomi. Oleh karena itu, sistem gaduh sapi menjadi alternatif bagi masyarakat yang ingin memelihara sapi. Tujuan penelitian ini adalah menganalisis penerapan sistem bagi hasil pada pemeliharaan (gaduh) sapi di Desa Liprak Kulon. Metode penelitian yang digunakan adalah kualitatif dengan analisis deskriptif dengan teknik pengumpulan data yang memanfaatkan catatan wawancara dan observasi yang dilakukan. Hasil penelitian menunjukkan bahwa perjanjian bagi hasil pada sistem kerja sama pemeliharaan (gaduh) sapi di Desa Liprak Kulon Kabupaten Probolinggo dilakukan secara lisan yang berasaskan kepercayaan antara kedua belah pihak tanpa adanya perjanjian tertulis. Sistem bagi hasil pada kerja sama ini, dilakukan dengan dua cara yaitu bagi hasil pembagian anak sapi secara bergantian dan bagi hasil pembagian anak sapi secara bergantian+bagi hasil penjualan. Dalam bagi hasil penjualan, keuntungan yang dihasilkan dibagi sesuai persentase keuntungan yang telah disepakati di awal kontrak yaitu 50:50 dan termasuk sistem bagi hasil profit sharing. Konsep bagi hasil yang dilakukan dalam kerja sama gaduh sapi ini, sesuai dengan konsep mudharabah dan syariat Islam.
DIGITALISASI PERBANKAN DAN DISTRIBUSI PRODUKTIF TERHADAP KINERJA USAHA MIKRO DAN KECIL MENENGAH PERIODE 2023–2026 Moh. Abd. Rahman; Nur Islamiyah; Abd. Aziz; Nurul Fadila
Jurnal Investasi Islam Vol. 7 No. 1 (2026): Jurnal Investasi Islam (In Press)
Publisher : LP2M Al-Khairat Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/jii.v7i1.2331

Abstract

Penelitian ini bertujuan untuk menganalisis dampak digitalisasi perbankan dan distribusi kredit produktif terhadap kinerja Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia pada periode 2023-2026. Perkembangan pesat teknologi digital di sektor perbankan telah memperkenalkan berbagai layanan keuangan digital yang mempermudah akses pembiayaan, transaksi, dan manajemen keuangan bagi UMKM. Sementara itu, kredit produktif berperan sebagai instrumen penting dalam meningkatkan kapasitas bisnis, produktivitas, daya saing. Penelitian ini menggunakan pendekatan kuantitatif dengan desain penelitian eksploratif. Sampel terdiri dari 200 pemilik UMKM yang menggunakan perbankan digital. Layanan dan menerima pinjaman produktif dari lembaga perbankan di seluruh Indonesia. Data dianalisis menggunakan regresi linier berganda. Analisis regresi didukung oleh perangkat lunak statistik. Hasil penelitian menunjukkan bahwa digitalisasi perbankan memiliki pengaruh positif dan signifikan terhadap kinerja UMKM, berkontribusi sebesar 38,4% terhadap peningkatan kinerja. Distribusi kredit produktif juga memiliki dampak positif dan signifikan, berkontribusi sebesar 42,7%. Secara simultan, kedua variabel tersebut menjelaskan 68,5% varians dalam kinerja UMKM. Temuan ini menunjukkan bahwa peningkatan akses terhadap layanan perbankan digital dan optimalisasi program kredit produktif dapat menjadi strategi efektif untuk memperkuat pertumbuhan UMKM yang berkelanjutan. Studi ini memberikan implikasi bagi para pembuat kebijakan, lembaga perbankan, dan pelaku bisnis dalam merumuskan strategi untuk memperkuat ekosistem ekonomi digital nasional dan meningkatkan kinerja UMKM.
Co-Authors Abd Aziz Abd Ghafur Abd. Aziz Abd. Ghafur Abdul Bari Ahdiyat Agus Susila Ahdiyat Agus Susila Ahmad Fauzi Aqidah, Nuntufa Budi Eko Soetjipto Edi Handoko Edi Kurniawan Farid Eva Agustiany P Fahmi Nasikh Attahmidi Fio Aditya Martin Hayatul Millah Hayatul Millah Ilfin Hamida Indri Yani Ismatul Izzah Julianda Kurniawati Kurniawati Kurrotu Aini M. Yahya Azzahid Maula Nasrifah Mufti Amirul Mu'minin Muhammad Hifdil Islam Muhammad Hifdil Islam Nadiroh, Anis Yusratun Nina Ari Wahyuni Nun Tupa Nuntupa Nuntupa Nuntupa Nur Islamiyah Nurul Fadia Nurul Fadila Rika Amiliya Rofa Lailatul Hasanah Roifah, Tri Nadhirotur Salim Safi'i Siti Maysaroh SUSANTI Susanti Susanti, Mai Susila, Ahdiyat Agus Tika Yusfi Afkarina Urifatul Qomariyah Zahida I’tisoma Billah