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All Journal ELKHA : Jurnal Teknik Elektro Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Administrasi Negara JURNAL PROFESI KEGURUAN Jurnal Ilmiah Ekonomi Islam Jurnal Pendidikan Ekonomi & Bisnis Martabat: Jurnal Perempuan dan Anak MALIA International Journal of Zakat (IJAZ) Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Journal of Strategic and Global Studies Santri: Journal of Pesantren and Fiqh Sosial Indonesian Journal of Engagement, Community Services, Empowerment and Development (IJECSED) International Journal of Social Service and Research CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Indonesian Journal of Multidisciplinary Science QULUBANA: Jurnal Manajemen Dakwah Jurnal Locus Penelitian dan Pengabdian Formosa Journal of Sustainable Research (FJSR) Jurnal Medika: Karya Ilmiah Kesehatan International Journal of Integrative Sciences Journal Middle East and Islamic Studies IIJSE Jurnal Ekonomi, Manajemen, Akuntansi
Nur Fatwa, Nur
SMK Negeri 1 Kedungwuni
Religion Aerospace Engineering Arts Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Physics Public Health Social Sciences Other

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Baitul Maal wat-Tamwil’s Financing Model to Support Micro Small and Medium Enterprises Hamilunni'am, Moh; Fatwa, Nur
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol. 5 No. 1 (2023)
Publisher : Fakultas Syariah INSURI Ponorogo

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Abstract

This paper discusses Indonesian Baitul Maal wat-Tamwil product innovations. BMT is still seen as exclusive, especially for micro, small, and medium enterprises. BMT still lacks dissemination. Its products also resemble banks'. Thus, it affects public perception of banking's equality with BMT. BMT is more complicated and easier than banking. BMT is everywhere but rarely used. Thus, MSME financing needs innovation. BMT's financing products should be promoted through new innovations and increased dissemination. Thus, banking products will differ from non-bank financial products in the future. Qualitative, descriptive-analytic, data-source-adapted data collection is used in this study. Interviews and observations collected data. Literature studies provided secondary data. After revising, reducing, analyzing, and presenting the data, conclusions and research results were written. This study found that BMT's Mudharabah Empowerment Card (MEC) can solve MSMEs' non-bank financial institution financing problems.
A Collective Strategy in Digital Zakat Collection by Dompet Dhuafa via E-Commerce Fachmi, Fany Aulia; Fatwa, Nur
Indonesian Journal of Multidisciplinary Science Vol. 2 No. 10 (2023): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/ijoms.v2i10.600

Abstract

Zakat collection is a form of charitable giving that has attracted a lot of attention in recent years. However, zakat collection in Indonesia has undergone a transformation from traditional to digital. This study aims to analyze the collective strategy that is carried out by Dompet Dhuafa digitally through e-commerce as an effort to realize the potential of the digital economy in Indonesia. This research uses qualitative research with a case study approach or case studies that examines a particular case in a real contemporary context or setting. The data is analyzed by reading and reviewing the data (observation notes, interview transcripts) to identify emerging themes and patterns. In general, it appears that digital donations have a significant impact on zakat collection. In addition, it is hoped that this research can become a reference for further research that wants to discuss digital zacat collection.
The SMEs Funding Decisions through the Islamic Equity Crowdfunding Platform Herlitah, Herlitah; Huda, Nurul; Prijadi, Ruslan; Sobari, Nurdin; Fatwa, Nur
Jurnal Pendidikan Ekonomi Dan Bisnis (JPEB) Vol. 11 No. 01 (2023): Jurnal Pendidikan Ekonomi & Bisnis (DOAJ & SINTA 2 Indexed)
Publisher : Faculty of Economics, Universitas Negeri Indonesia,Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPEB.011.1.3

Abstract

Islamic Equity Crowdfunding is currently an alternative sharia-based financing for SMEs. In Indonesia, the Islamic Equity Crowdfunding platform began to appear in 2021, and has been growing until now. The purpose of this study is to analyze the factors that influence the funding decision of SMEs in the Halal Food Industry through the Islamic Equity Crowdfunding platform. Data was collected from SMEs in Indonesia by surveying 200 respondents, namely businesses in halal food. In this study the data obtained will be analyzed using the partial least squares technique which refers to the theory of planned behavior. The results showed that the decision of SMEs in seeking funding through Islamic Equity Crowdfunding was influenced by Subjective Norms, Perceived Behavioral Control, Product Knowledge, and Religiosity, but Intention was not influenced by Attitude.
Al Hisbah in Modern Era : Investor Protection Institution in Indonesian Islamic Capital Market Sholikah, Mar'atus; Huda, Nurul; Rini, Nova; Fatwa, Nur; Wiliasih, Ranti
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13145

Abstract

This research aims to explore the evolution of the role of al hisbah in the financial sector, especially the capital markets industry. Along with the times and the increasing complexity of today's government bureaucracy, the role of al hisbah has been formed differently in each country according to their respective needs. This research uses an exploratory qualitative method with secondary data. The research results show that the role of al hisbah is very complex, one of which is in the financial sector of the capital market to carry out supervision in order to protect investors from both external and internal risks. In this case, the Financial Services Authority (OJK) plays the role of al hisbah which coordinates with the National Sharia Council (DSN) to ensure transactions and activities in the Indonesian Islamic capital market are safe and healthy.
The Urgency of Establishing a World Class Takāful Operator in Indonesia: Reason and Concept Rahman, Wahyudin; Fatwa, Nur
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 14 No. 1 (2022)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v14i1.22464

Abstract

This study analyzes the urgency of establishing a World Class Takāful Operator(WCTO), initiated by the National Committee on Islamic Finance and Economics (KNEKS). This is due to several reasons, including a deadline for work plans and the separation of Sharia Units in 2024, risk mitigation support to Bank Syariah Indonesia (BSI), preparation of the ASEAN Framework Agreement On Services (AFAS) in 2025, strengthening halal value chain and improvement of the national insurance image. Using qualitative descriptive analysis, this study recommends the ideal concept (models, mechanisms, market segmentation and distribution channels) for WCTO formation. The ideal concept for WCTO requires the combination of social and commercial insurance, consolidation with portfolio transfers, retail and corporate balance and existing distribution channels with digitalization. This finding becomes a new insight into takafful literature.  AbstrakPenelitian ini menganalisis urgensi pembentukan Class Takāful Operator (WCTO) yang telah di inisiasi Komite Nasional Keuangan dan Ekonomi Syariah (KNEKS). Hal ini karena adanya batas waktu rencana kerja dan pemisahan Unit Syariah tahun 2024, dukungan mitigasi risiko kepada Bank Syariah Indonesia (BSI), persiapan ASEAN Framework Agreement On Services (AFAS) tahun 2025, penguatan rantai nilai halal dan meningkatkan citra asuransi nasional. Dengan analisis deskriptif kualitatif, penelitian ini merekomendasikan konsep ideal (model, mekanisme, segmentasi pasar dan jalur distribusi) pembentukan WCTO. Adapun konsep ideal WCTO dilakukan dengan kombinasi asuransi sosial dan komersial, konsolidasi dengan transfer portofolio, perimbangan retail dan korporasi dan existing jalur distribusi dengan digitalisasi. 
The Effect of ZIS-DSKL Funds and GDP on Poverty Levels in Indonesia Surury, Nurul Azizah; Huda, Nurul; Rini, Nova; Fatwa, Nur; Wiliasih, Ranti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4933

Abstract

The study aims to analyze the influence of the distribution of Zakat, Infaq, Sedekah, and Other Religious Social Funds (ZIS-DSKL) and Gross Domestic Product (GDP) growth on the poverty rate in Indonesia for the period 2015-2022. The data used are secondary data obtained from the Central Statistics Agency and the Center for Data and Information Systems of the Indonesian Ministry of Trade. The analysis method employed is multiple regression. The analysis findings suggest a significant impact of the distribution of ZIS-DSKL funds and GDP growth on the poverty rate in Indonesia. The poverty rate in Indonesia can be decreased by increasing the distribution of ZIS-DSKL funds and promoting GDP growth, as revealed by their respective influences. It is important to raise public awareness about zakat obligations, ensure transparency in fund management, and carefully select programs aimed at alleviating poverty to enhance the effectiveness and efficiency of ZIS-DSKL fund distribution. The government needs to continue promoting inclusive and sustainable economic growth through pro-investment policies, infrastructure development, access to education and skills training, and strengthening potential economic sectors. Further research is necessary to understand the relationship between the distribution of ZIS-DSKL funds, GDP growth, and the poverty rate in Indonesia, providing deeper insights and more accurate data to formulate more effective policies to address poverty in Indonesia.
Vector Autoregression Analysis of The Relationship Between Inflation Rate, Interest Rate, and Exchange Rate To The Jakarta Islamic Index Qurrota A'yun, Ajeng; Fatwa, Nur
Journal of Strategic and Global Studies Vol. 5, No. 1
Publisher : UI Scholars Hub

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Abstract

ABSTRACT The Indonesian Sharia Capital Market is an interesting thing to study because based on the 2019 Global Islamic Finance Report (GIFR) report, Indonesia is ranked first in the Global Sharia Financial Market. The Jakarta Islamic Index (JII) is the sharia stock index that was first launched on the Indonesian capital market on July 3, 2000 and only consisted of the 30 most liquid Islamic shares listed on the Indonesia Stock Exchange. This study will try to uncover how the relationship between macroeconomic variables in Indonesia by using Vector Autoregression (VAR) analysis and using monthly secondary data from 2012-2019. VAR analysis which has advantages including multivariate, free from spurious endogeneity and exogeneity variables and can detect relationships between variables in the equation system. The results of this study indicate that the JII of the previous period and the BI Rate have a positive influence on JII, while inflation and the Rupiah-US Dollar Exchange rate have a negative relationship with JII. The implication of the results of this study is to strengthen the rupiah price which greatly affects JII. Keywords: Shariah stock, JII, Macroeconomics, VAR.
Qawāʿid al-Fiqh on Government Energy Subsidies: Controlling Inflation Amid Economic Recovery Firdaus, Nuzulul; Fatwa, Nur
Journal Of Middle East and Islamic Studies Vol. 12, No. 2
Publisher : UI Scholars Hub

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Abstract

The war between Russia and Ukraine significantly affected world life, one of which was the increase in world oil energy prices. Indonesia, in this case, which still imports a lot of energy, is also affected. The government needs to implement policies to face these global challenges, one of which is to provide subsidies for energy so that state budget funds can assist people's purchasing power for energy because if not, this will lead to an increase in the prices of goods and services so that there will be inflation. Still, on the other hand, Indonesia is also carrying out a post-pandemic economic recovery. So that the government is right in carrying out policies, Islamic Economics views this case through sharia principles. This article uses a multidisciplinary approach. The method used is qualitative with a literature study approach. The theory used is the Rules of Qowaid Al-Fiqh, harmonized with Islamic economics. This article highlights that the principles of Islam can also be used in government policies regarding the economy.
Fashion Industry: Analysis of Strategies and Roles of Stakeholders To Realize Indonesia As The Center of Global Halal Fashion Mawaddatunnisa, Hanna Abimafy; Fatwa, Nur; Nurwahidin, Nurwahidin
Journal Of Middle East and Islamic Studies
Publisher : UI Scholars Hub

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Abstract

Indonesia, through the Halal Product Assurance Agency (BPJPH), has launched the Indonesia Global Halal Fashion (IGHF) initiative in collaboration with the textile industry and fashion designers during Indonesia Fashion Week 2024. This initiative aims to position Indonesia as a global hub for halal fashion—distinct from general Muslim fashion by incorporating halal principles throughout the entire production chain. Despite its vast potential, the development of halal fashion in Indonesia still faces challenges, particularly in capturing consumer preferences and defining comprehensive regulatory standards. This study adopts a qualitative approach, integrating SWOT analysis, STP (Segmentation, Targeting, Positioning), and the Quadruple Helix framework to formulate strategic recommendations. The findings highlight Indonesia’s strong potential to lead the global halal fashion market, supported by natural resources, skilled human capital, and collaboration among key stakeholders: government, academia, industry players, and society. The proposed framework serves as a strategic foundation for enhancing marketing effectiveness and advancing policy development in a sustainable and inclusive manner.
Adaptive Low-Power LoRa WSN for Real-Time Soil Monitoring in Remote Oil Palm Plantations Tahcfulloh, Syahfrizal; Rattu, Michael Yehezkiel; Wahyuni, Etty; Kusuma, Irawan Wijaya; HM, Irawati; Santoso, Dwi; Arif, Nina Fapari; Fatwa, Nur; Setiawan, Rusdy; Arwan, Arwan
ELKHA Vol. 18 No.1 April 2026
Publisher : Faculty of Engineering, Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/elkha.v18i1.100568

Abstract

Oil palm plantations in remote regions such as Sebatik, North Kalimantan, face significant challenges in sustainable soil management due to limited infrastructure and dynamic peat soil conditions. Conventional monitoring methods lack real-time capability and energy efficiency. To address this, this research proposes a novel adaptive low-power LoRa-based Wireless Sensor Network (WSN) that dynamically adjusts sensing and transmission frequency based on real-time soil parameters—specifically, moisture, temperature, and pH. Unlike fixed-interval systems, the proposed architecture implements edge-based logic on ESP32 nodes to escalate sampling during critical events (e.g., pH ≤ 4.5) and reduce activity during stable periods, optimizing energy use without cloud dependency. The system integrates LoRa SX1278 modules, a RAK2245 gateway, ChirpStack for secure data routing, and OpenRemote for visualization and alerts. Field testing over 7 days in three micro-zones (roadside, plantation center, drainage) demonstrated robust performance with average Packet Delivery Ratios of 97.2%, 82.5%, and 88.3%, respectively, and a communication range of up to 2.8 km. Crucially, the adaptive strategy reduced daily power consumption to 7.8 mAh—58% lower than a fixed 10-minute schedule—extending theoretical battery life from 6–8 months to over 14 months. Sensor accuracy remained high (moisture error: 1.68%; temperature: 3.09%; pH: 1.47 units), enabling timely agronomic interventions such as targeted liming. This work contributes an environment-responsive WSN architecture that balances energy efficiency and event responsiveness, offering a scalable, deployable model for precision agriculture in tropical peripheral regions with acidic soils and intermittent connectivity.
Co-Authors Abdullah, Yenny Adisaputra, Muhammad Fuad Ajeng Qurrota ‘Ayun Al Rasyied, Muhammad Harun Arif, Nina Fapari Arwan Arwan Ayu Citra, Ken Aziz, Ahmad Chairul Ihsan Burhanuddin, Chairul Ihsan Citra, Ken Ayu Dhita Pratiwi AR DWI SANTOSO Etty Wahyuni Fachmi, Fany Aulia Faiqoh, Faiz Nur Febrina, Lis Fikriah, Ika Firdaus, Nuzulul Hamilunni'am, Moh Hannase, Mulawarman Hashri, Miqdam Awwali Herlitah Herlitah, Herlitah Ibrahim, Maulana Malik Irawan Wijaya Kusuma, Irawan Wijaya Irawati HM Izdiyan Mutaqqin, Mohammad Laksmono, miranti dian Maheswara, Adhitya Mohammad Mawaddatunnisa, Hanna Abimafy Mufti, Ridho Nafis, M. Cholil Nafis, Muhammad Cholil Nora Idiawati Nova Rini Nurdin Sobari Nurkarim, Muhammad Azmi Nursyabani, Cahyania Nurul Huda Nurwahidin Nurwahidin Nurwahidin Oktavia, Nursyam Palupi Lindiasari S., Palupi Panus, Panus Putra, Yudha Pratama Rakhman, Kartika Nur Ramlah Ramlah Ramy Azhar, Muhammad Ranti Wiliasih Rattu, Michael Yehezkiel Robbani, Muhammad Nabil Rosnaini Daga Rusdy Setiawan Ruslan Prijadi Salam, Karta Negara Sasmita, Halida Sholikah, Mar'atus Sobiyanto, Ahmad Surury, Nurul Azizah Suwandaru, Rachman Syahfrizal Tahcfulloh Umaima Umaima Ummu Sholihah Veithzal Rivai Zainal Wahyudin Rahman Wibawati, Roemy Asri Suasti