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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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Eksplorasi Kesadaran dan Minat Reseller Makanan Terhadap Fintech Syariah Sebagai Sumber Modal Usaha di Kabupaten Probolinggo Urifatul Qomariyah; Ahdiyat Agus Susila; Moh. Abd. Rahman
JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Vol. 4 No. 1 (2026): July
Publisher : CV. Muris Global Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62421/jibema.v4i1.296

Abstract

Perkembangan inovasi teknologi keuangan (fintech) syariah berpotensi besar menjadi solusi permodalan bagi pelaku usaha mikro. Penelitian ini bertujuan untuk mengeksplorasi secara mendalam kesadaran dan minat pelaku usaha mikro (reseller makanan) terhadap Fintech Syariah sebagai alternatif sumber modal usaha di Kabupaten Probolinggo. Menggunakan pendekatan kualitatif dengan desain fenomenologi deskriptif, data primer dihimpun melalui wawancara mendalam terhadap 13 informan kunci reseller makanan aktif yang dipilih secara purposive sampling. Tahapan analisis data mengikuti prosedur model Moustakas dan Creswell yang meliputi Epoche, Horizonalization, Clustering into themes, hingga sintesis esensi makna. Hasil penelitian mengungkap adanya paradoks struktural: akar keagamaan masyarakat Probolinggo yang kuat tidak linear dengan tingkat pemahaman inovasi finansial syariah digital. Kesadaran reseller makanan didominasi oleh tingkat kesadaran pasif, di mana 11 dari 13 informan belum familier dengan skema akad dan legalitas fintech syariah. Sementara itu, minat pelaku usaha bersifat kondisional karena dipengaruhi oleh persepsi risiko yang tinggi terhadap maraknya modus penipuan digital.
Implementasi Sistem Pembayaran Digital Sebagai Strategi Mitigasi Risiko Transaksi pada Reseller Fashion Multi-Channel Kurniawati Kurniawati; Ahdiyat Agus Susila; Moh. Abd. Rahman
ARBITRASE: Journal of Economics and Accounting Vol. 7 No. 1 (2026): July 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v7i1.3222

Abstract

This study aims to analyze the implementation of digital payment systems as a transaction risk mitigation strategy for fashion reseller businesses employing multi-channel sales models. The rising prevalence of digital fraud and transfer proof manipulation among micro-enterprises in Probolinggo Regency highlights the urgent need for systematic risk governance using ERM COSO, TAM, and Risk-Return Trade-Off frameworks. This research employs a qualitative approach with a multiple-case study design, utilizing replication logic to construct robust theoretical explanations. Data were collected through in-depth interviews, observations, and documentation from ten informants, and subsequently analyzed using a cross-case matrix. The novelty of this study lies in the finding that past experiences with financial losses act as the primary determinant, shifting the focus of technology adoption from perceived ease of use to asset security, alongside the identification of the operator's role in closing the reconciliation gap between digital systems and field practices. The findings indicate that 90% of the informants (9 out of 10 informants) rationally chose to bear the Merchant Discount Rate (MDR) costs for transaction security, and 100% of the informants consistently implemented daily reconciliation as their primary risk mitigation practice. While digital payment systems effectively mitigate conventional cash payment risks, they demand more complex managerial capacities to address emerging challenges such as payment settlement delays. This study contributes to the development of an adaptive risk management model that integrates the principles of hifdz al-mal and maslahah into operational policies. Theoretically, this research enriches the literature on SME risk management through the integration of cross-frameworks, while practically, the findings provide a strategic guide for policymakers in designing digitalization interventions based on risk segmentation and the digital literacy levels of business owners.
Efektivitas Penggunaan QRIS Dalam Memfasilitasi Transaksi UMKM Perspektif Ekonomi Syariah Ilfin Hamida; Hayatul Millah; Moh Abd Rahman
ARBITRASE: Journal of Economics and Accounting Vol. 7 No. 1 (2026): July 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v7i1.3279

Abstract

The development of digital technology has encouraged a shift in payment systems from cash-based transactions to non-cash transactions. Although the Quick Response Code Indonesian Standard (QRIS) has been widely implemented as a standardized digital payment system in Indonesia, its utilization among Micro, Small, and Medium Enterprises (MSMEs), particularly in rural areas, still faces various challenges that affect its effectiveness. This study aims to analyze the effectiveness of QRIS in facilitating non-cash transactions among MSMEs in Karangbong Village and to examine its compatibility with Islamic economic principles. This research employed a descriptive qualitative approach using observation and interview techniques involving ten MSME owners who use QRIS in Karangbong Village. The findings indicate that the use of QRIS provides convenience, efficiency, security, and speed in transactions, thereby supporting smoother business operations. However, its utilization has not yet been fully optimized due to low digital literacy, the persistence of cash-based transaction habits among the community, and limited technological understanding. From the perspective of Islamic economics, the use of QRIS is permissible because it functions as a payment instrument that does not contain elements of riba (usury), gharar (uncertainty), or maysir (gambling), and is in line with the principles of justice, transparency, public benefit (maslahah), and convenience in economic activities.
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