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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah ILTIZAM Journal of Sharia Economic Research JEMPER (Jurnal Ekonomi Manajemen Perbankan) Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Airlangga Journal of Innovation Management Jurnal Kewarganegaraan Indonesian Journal of Islamic Economics and Business Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Ar-Ribhu: Jurnal Manajemen dan Keuangan Syariah Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Najah: Journal of Research and Community Finance JURNAL RUMPUN MANAJEMEN DAN EKONOMI Journal of Religion and Social Community Cendekia: Jurnal Pengabdian Masyarakat
Abd Ghafur
Universitas Islam Zainul Hasan Genggong
Religion Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Peran E- Commerce Dalam Meningkatkan Pendapatan Penjualan Dalam Perspektif Islam Hofifah Hofifah; Abd Aziz; Abd Ghafur
OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2023): OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/oikonomika.v4i1.563

Abstract

Electronic commerce is a term that is often used today for transactions online or related to the Internet. In another opinion, e-commerce is a form of media for distributing, buying, marketing, and selling goods or services through internet electronic systems. The development of e-commerce - commerce cannot be separated from the growth rate of the Internet because e-commerce is under the Internet network. The rapid growth of the internet has made a new change in people's lives and the internet has made the internet an effective medium for business people to sell their various products. This research is a type of qualitative research, using a case study approach (Case Study), in this study using several stages in data collection in the field, namely describing existing data, and in the form of data that describes in detail, the purpose of this study is to find out how the role of e-commerce in increasing sales revenue and e-commerce in an Islamic perspective. The results of this study are that the role of e-commerce in increasing sales revenue is very important for sales and of course, transactions carried out in accordance with Islam.
Efektifitas Sistem Pelayanan Haji dan Umroh Dalam Meningkatkan Kepuasan Jamaah di PT. Safara Layanan Utama Probolinggo Hafida Firdaus; Abd Aziz; Abd Ghafur
ILTIZAM Journal of Shariah Economics Research Vol. 7 No. 1 (2023): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Abstract

This research aims to analyze the effectivity of PT. Safara Layanan Utama in providing services to increase congregation satisfaction, and to describe the supporting and inhibiting factors in the service at PT. Safara Layanan Utama. The research method used is descriptive qualitative method with data collection techniques namely interviews, observations which aim to describe, display, and explain data regarding service quality at PT. Safara Layanan Utama. Researchers conducted interviews with 6 informants, namely the congregation and employees. The results showed that services at PT. Main Service Safara has been good in many ways. Such as  having professional employees, providing good facilities and infrastructure, being responsible for each congregation from registration, practicing umroh, and arrival, being able to serve appropriately, being able to communicate clearly, and being able to give trust to the congregation. Supporting Factors that described from the interviews a. Good Management. b. Quite strategic place. c. Good communication . d. Adequate Facilities. Inhibiting Factors: a. The number of employees is small. b. The office is a bit cramped, and never discriminate congregation. The guides were carried out patiently and painstakingly from the homeland until arriving at the holy land was carried out patiently and painstakingly so that the congregation felt satisfied.
PENERAPAN STANDAR AKUNTANSI PEMERINTAHAN BERDASARKAN PP NOMOR 71 TAHUN 2010 PADA LAPORAN KEUANGAN DINAS PUPR KABUPATEN PROBOLINGGO Yelni; Abd Ghafur; Zahida I'tisoma Billah
Finance : Journal of Accounting and Finance Vol. 1 No. 2 (2023): Volume 1 Nomor 2, Oktober 2023
Publisher : Finance : Journal of Accounting and Finance

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Abstract

Penerapan Standar Akuntansi pemerintahan (SAP) berbasis akrual yang baik dalam penyusunannya akan mempengaruhi opini yang diberikan oleh BPK terhadap Laporan Pengelolaan keungan Daerah. Laporan Hasil Pemeriksaan LKPD Kabupaten Probolinggo untuk kesepuluh kalinya secara berturut-turut mendapatkan Opini Wajar Tanpa Pengecualian (WTP).  Penelitian ini bertujuan untuk mengetahui Penerapan Standar Akuntansi Berbasis Pemerintahan Berdasarkan PP Nomor 71 Tahun 2010 pada  Laporan Keuangan Di Dinas PUPR Kabupaten Probolinggo dan untuk mengetahui apa saja faktor-faktor yang mempengaruhi dalam penyusunan Laporan Keuangan di Dinas PUPR Kabupaten Probolinggo Berdasarkan PP Nomor 71 Tahun 2010. Hasil Penelitian ini menunjukkan bahwa Penerapan Standar Akuntansi Pemerintahan pada penyusunan laporan keuangan Dinas PUPR Tahun Anggaran 2022 sudah diterapkan sepenuhnya sesuai dengan Peraturan Pemerintah Nomor 71 Tahun 2010 Tentang Penerapan Standar Akuntansi Pemerintahan. Adapun faktor-faktor yang mempengaruhi dalam Penerapan Standar Akuntansi pada Laporan Keuangan di Dinas PUPR Kabupaten Probolinggo yaitu Sumber Daya Manusia (SDM) dan Sarana Dan Prasarana keduanya sangat berpengaruh dalam penyusunan laporan keuangan.
PENERAPAN AKAD KONVENSIONAL DAN SYARIAH PADA PEMBIAYAAN DI PT. ADIRA  FINANCE SYARIAH SATELLIT BALUNG Abd. ghafur; Nur istianah putri
Finance : Journal of Accounting and Finance Vol. 1 No. 1 (2023): Volume 1 Nomor 1, Mei 2023
Publisher : Finance : Journal of Accounting and Finance

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Abstract

This research aims to analyze the application of conventional contracts and sharia contracts applied to financing at PT. Adira Finance Syariah balung. In the current rapid economic era, PT. Adira Finance Syariah operates in the leasing sector where there is an agreement between the two parties, namely between the Company and the consumer, with the provision of rental payments within the agreed agreement time. When paying the rent, conventional and sharia leasing is applied. There is a comparison between financing conventional contracts and sharia contracts. In conventional leasing, a contract with an interest system is used as the objective. Meanwhile, in sharia leasing, a murabahah (sale and purchase) contract is used, whereas the advantages of the sharia contract itself are in terms of profit margin. The application of these two contracts is to further understand the business leases that are applied in leasing companies. The purpose of writing this report is to determine the differences between conventional leasing contracts and sharia leasing contracts. The type of data the author uses is secondary or external data. This research uses a qualitative descriptive research method.
Pengaruh Customer Delight, Customer Loyalti, dan Customer Satisfaction terhadap Keputusan Pembelian pada Produk Perhiasan Emas di Toko Naga Akbar – Semampir Siti Aulia Isfi Airho; Abd Ghafur; Lailatul Azizah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 1 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i1.22131

Abstract

Dalam konteks keputusan pembelian di toko perhiasan Naga Akbar, kepuasan, kepercayaan, dan kesenangan konsumen memainkan peran penting dalam meningkatkan kecenderungan untuk melakukan pembelian. Penelitian ini bertujuan untuk mengidentifikasi pengaruh secara bersama-sama dari customer delight, customer loyalty, dan customer satisfaction terhadap keputusan pembelian. Pengambilan sampel dilakukan melalui accidental sampling dengan mengedarkan kuesioner kepada 100 konsumen perhiasan di toko Naga Akbar Semampir. Penelitian ini menggunakan pendekatan kuantitatif deskriptif. Hasil penelitian menunjukkan bahwa nilai F hitung sebesar 22,119, yang lebih besar dari nilai F tabel (2,70). Dengan demikian, dapat disimpulkan bahwa terdapat pengaruh yang signifikan secara bersama-sama antara customer delight (X1), customer loyalty (X2), dan customer satisfaction (X3) terhadap keputusan pembelian (Y).
Analisis Perbandingan Kinerja Keuangan Bank Konvensional Dengan Bank Syariah Dianalisa Anggraini Zareta; Abd Ghafur; Moh. Samsul Arifin
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Vol. 4 No. 1 (2024): Artikel Riset Maret 2024
Publisher : ITScience (Information Technology and Science)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v4i1.3661

Abstract

Bank merupakan salah satu lembaga yang berperan sebagai perantara keuangan yang memiliki peran penting bagi perekonomian suatu negara. Diera globalisasi saat ini cukup banyak bank konvensional yang telah membuka atau mendirikan cabang yang bersifat syariah. Jenis data yang dalam pendekatan penelitian ini adalah data deskriptif komperatif melalui pendekatan kuantitatif. Sampel yang digunakan yaitu 3 bank konvensional yang terdiri dari bank BCA, bank BNI, dan bank BRI dan 3 bank syariah yang terdiri dari bank BSI, bank MEGA S, dan bank BTN S dengan periode tahun 2020-2022. Alat analisis yang digunakan dalam pengujian hipotesis pada penelitian ini ialah uji independen sampel t-test dan homogenitas sapiro wilk. Dengan pendekatan rasio Return On Asset (ROA), Return On Equity (ROE), Loan To Deposit Ration (LDR), Non Perfoming Loans (NPL), Capital Adequacy Ration (CAR), Biaya Operasional Pendapatan Operasional (BOPO). Hasil penelitian menunjukan nilai ROA tidak terdapat perbedaan yang signifikan, nilai ROE menunjukan ada perbedaan yang signifikan, nilai NPL tidak ada perbedaan yang signifikan, untuk nilai LDR ada perbedaan yang sifnifikan, nilai CAR juga memiliki perbedaan yang signifikan, dan untuk nilai BOPO memiliki perbedaan yang signifikan. Akan tetapi jika ditinjau dari aspek keseluruhan bank syariah belum mampu menunjukan kinerja keuangan lebih baik dibandingkan dengan kinerja keuangan bank konvensional.
PRAKTIK PAYLATER DALAM PERSPEKTIF ISLAM: ANALISIS TERHADAP UNSUR RIBA, GHARAR, DAN ISRAF PADA TRANSAKSI DIGITAL Abd Ghafur; Muhammad Imron; Muhammad Saiful Rizal; Moh.Fahmi Idris
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 3 No. 4 (2026): Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v3i4.11563

Abstract

The development of PayLater services within the financial technology (fintech) ecosystem has provided easier access to financing for consumers; however, it has also raised various concerns from the perspective of Islamic business ethics. This study aims to analyze PayLater practices based on Sharia principles, particularly concerning the elements of riba, gharar, and israf. The research employs a qualitative library research method with a descriptive-analytical approach. The findings indicate that conventional PayLater practices potentially involve elements of riba through interest charges and late-payment penalties that generate profits for service providers. Furthermore, elements of gharar arise from unclear contractual arrangements, information asymmetry, and a lack of transparency regarding transaction costs and risks. From the consumer behavior perspective, the ease of access provided by PayLater contributes to increased consumptive behavior and israf, which contradict Islamic principles of wealth management.
Maqasid al-Shariah in Educational Operational Management: Al-Ghazali’s Perspective at Sanggar Bimbingan Kampung Melayu Sungai Buloh, Malaysia Bayu Sukma; Nuntupa; Abd Ghafur
Airlangga Journal of Innovation Management Vol. 7 No. 2 (2026): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v7i2.90228

Abstract

This study and research examine the relationship between sharia Maqasid al-Shariah and operational management, how operational management in SB Kampung Melayu Sungai Buloh SIKL Malaysia is clearly applied with the principles of sharia Maqasid al-Shariah according to Imam Al-Ghazali. The phenomenon that occurs in this era is far from the application of Sharia Maqasid al-Shariah principles in operational management, so this is the reason why this research was conducted. And what is unique about this research is that it follows the perspective of a famous Islamic figure who prioritizes the principles of maqashid sharia, namely Imam Al-Ghazali.  This study uses qualitative research methodology and literature review with a case study approach or direct involvement in the field using interviews, observation, and documentation instruments. The results of the study show that it is important to apply the principles of sharia maqahisid, which include Hifz al-Din, Hifz al-Nafs, Hifz al-'Aql, Hifz al-Nasl, Hifz al-Mal, especially in the Sb Kampung Melayu. It is hoped that the findings of this study will further explain how important it is for the education sector, especially schools, to apply the principles of sharia Maqasid al-Shariah in a kaffah manner.
Potensi Pasar Tradisional Dalam Peningkatan Ekonomi Masyarakat Menurut Perspektif Ekonomi Islam (Studi Kasus Pasar Maron Kabupaten Probolingggo) Azizahtur Rohmi; Abd Aziz; Abd Ghafur
Jurnal Kewarganegaraan Vol 7 No 1 (2023): Juni 2023
Publisher : UNIVERSITAS PGRI YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/jk.v7i1.5017

Abstract

Abstrak Pokok masalah dalam penelitian ini adalah bagaimana potensi pasar tradisional dalam peningkatan ekonomi masyarakat. Pokok masalah tersebut selanjutnya di turunkan ke dalam beberapa submasalah atau pertanyaan penelitian, yaitu: 1) Apakah pasar Maron berpotensi dalam meningkatkan ekonomi masyarakat?, 2) Bagaimana tinjauan ekonomi Islam terhadap perilaku ekonomi para pedagang pasar Maron dalam peningkatan ekonomi mereka? Jenis penelitian ini tergolong kualitatif dengan pendekatan penelitian yang digunakan adalah: pendekatan sosiologis karena peneliti melakukan interaksi lingkungan sesuai dengan unit sosial, individu, kelompok, atau masyarkat. Selanjutnya, metode pengumpulan data yang digunakan adalah survey pustaka, observasi dan wawancara. Lalu, teknik pengolahan dan analisa data dilakukan dengan melalui tiga tahapan, yaitu: pengumpulan data, penyajian data, dan tahap akhir adalah penarikan kesimpulan. Hasil dari penelitian ini menujukkan bahwa pasar tradisional Maron berpotensi dalam meningkatkan ekonomi pedagang. Adapun potensi pasar Maron yaitu pertama, harga yang lebih murah. Kedua, produk yang lebih bervariasi, waktu dan lokasi yang strategis. selain itu, faktor lain yang mendukung adalah adanya perhatian pemerintah daerah yaitu pertama, adanya pengawasan harga. Kedua, mencegah penipuan di pasar seperti masalah kecurangan dalam timbangan dan ukuran. Ketiga, pencegah penjualan barang yang rusak, serta tindakan-tindakan yang merusak moral. Dengan memaksimalkan potensi yang ada di pasar tradisional Maron ini dapat meningkatkan pendapatan pedagang dan mendorong kemandirian ekonomi masyarakat Maron, mewujudkan kemandirian baik individu maupun masyarakat dengan melakukan kegiatan produktif. hal itu bertujuan agar tercapainya kesejahteraan umat dan tidak bergantung pada orang lain. Secara umum perilaku ekonomi pedagang baik dari segi barang dagangan yang dijual, alat timbang, riba dan gharar, harga, etika berbisnis pedagang pada pasar tradisional Maron tidak melanggar syari’at Islam akan tetapi dari segi kebersihan masih kurang diperhatikan. Implikasi penelitian ini adalah: 1) Aparat pemerintah setempat diharapkan dapat melindungi keberadaan pasar ini yang menjadi salah satu sumber perekonomian masyarakat, serta terus melakukan pembaharuan agar tercipta kenyamanan berbelanja bagi pembeli agar tercapai peningkatan pendapatan pedagang. 2) Pedagang diharapkan untuk tetap menjaga nilai-nilai islami yang ada dan dihimbau untuk selalu menjaga kebersihan barang dagangannya agar barang yang dijual terjaga kehalalannya. Kata Kunci: Pasar Tradisional, Potensi, dan Peningkatan Ekonomi Masyarakat Abstrack The main problem in this research is how the potential of traditional markets in improving the community's economy. The subject matter is then lowered into several sub-problems or research questions, namely: 1) Does the Maron market have the potential to improve the community's economy?, 2) What is the Islamic economic review of the economic behavior of Maron market traders in improving their economy? This type of research is classified as qualitative with the research approach used is: a sociological approach because researchers carry out environmental interactions according to social units, individuals, groups, or society. Furthermore, the data collection method used is a literature survey, observation and interviews. Then, data processing and analysis techniques are carried out through three stages, namely: data collection, data presentation, and the final stage is drawing conclusions. The results of this study indicate that the Maron traditional market has the potential to improve the merchant's economy. The market potential for Maron is first, a lower price. Second, a more varied product, strategic time and location. In addition, another supporting factor is the attention of the local government, namely first, price monitoring. Second, preventing fraud in the market such as the problem of cheating in scales and sizes. Third, preventing the sale of damaged goods, as well as actions that damage morale. By maximizing the potential that exists in the Maron traditional market, it can increase the income of traders and encourage economic independence for the Maron community, realizing independence for both individuals and communities by carrying out productive activities. it aims to achieve the welfare of the people and not depend on others. In general, the economic behavior of traders, both in terms of merchandise sold, weighing equipment, usury and gharar, prices, business ethics of traders at the Maron traditional market, does not violate Islamic law, but in terms of cleanliness, it is still not given enough attention. The implications of this research are: 1) Local government officials are expected to be able to protect the existence of this market which is one of the sources of the community's economy, and continue to make updates to create shopping convenience for buyers in order to achieve an increase in traders' income. 2) Traders are expected to maintain existing Islamic values ​​and are encouraged to always maintain the cleanliness of their merchandise so that the goods sold are maintained Keywords: Traditional Markets, Potential, Community Economic Improvement
Counseling on Stopping Early Marriage at Ainul Hasan Islamic Boarding School, Maron, Probolinggo Hawa’ Hidayatul Hikmiyah; Ahmad Zainullah; Zahida I’tishoma Billah; Abd Ghafur; Nuntupa
CENDEKIA: Jurnal Pengabdian Masyarakat Vol. 1 No. 3 (2025): Agustus 2025
Publisher : Simfoni Ilmu Cindekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65430/jpm.v1i3.14

Abstract

Early marriage is still widely found throughout the world. Every year as many as 10 million women in the world marry at the age of <18 years. This causes maternal and child mortality rates, transmission of sexually transmitted infections, and violence to increase when compared to women who marry at the age of >21 years. Therefore, it is important to provide counseling on the impact and factors of early marriage in children under the age of 19 years. The purpose of this counseling is to provide information regarding early marriage itself and the impact of early marriage. The strategies used in this service are Explanation of Stop Early Marriage, Creation of study groups, Provision of media materials to each group, Evaluation and mentoring from trainers and mentors, Evaluation of how to maintain Stop Early Marriage at the Ainul Hasan Maron Islamic Boarding School. The results of this counseling There are two concepts in the Stop Early Marriage counseling based on the delivery method, namely pull and push, each has advantages and disadvantages. 
Co-Authors Abd. Aziz Ahmad Zainullah, Ahmad Aldi . Alif Lutfir Rahman Azizahtur Rohmi Bayu Sukma Dianalisa Anggraini Zareta Eka Elviana Batu Bara Endah Tri Wisudaningsih Hafida Firdaus Hawa' Hidayatul Hikmiyah Hofifah Hofifah Iis Nurus Shobah Inayah Robbil Izzah Indra Dwi Irmawati Setiawan Putri Lailatul Azizah Moh Ismail Moh. Samsul Arifin Moh.Fahmi Idris Muhammad Imron Muhammad Saiful Rizal Nuntupa Nur istianah putri Nurul Fadila Rizqy Amalia Saifuddin Syuhri Siti Aulia Isfi Airho Yelni Zahida I’tishoma Billah Zahida I’tisoma Billah