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All Journal AL-RISALAH An - Nisa` QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam IKRA-ITH EKONOMIKA Al-Qalam Al-Muqayyad Jurnal EK dan BI Jurnal Ilmiah Al-Tsarwah Asy-Syarikah : Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam Bisnis Net : Jurnal Ekonomi dan Bisnis Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Al-Iqtishod : Jurnal Ekonomi Syariah Jurnal Ekonomi dan Manajemen Indonesia Al-Muamalat : Jurnal Ekonomi Syariah Islamiconomic: Jurnal Ekonomi Islam Al-Risalah: Jurnal Hukum Keluarga Islam (Ahwal Al-Syakhsiyah) Perbanas Journal of Islamic Economics and Business Journal of Islamic Economics Lariba Benefit : Journal of Bussiness, Economics, and Finance Mu'amalah : Jurnal Hukum Ekonomi Syariah Mutiara: Multidiciplinary Scientifict Journal Islamic Banking and Finance Journal of Financial, Business and Economics Journal of Islamic Economics and Finance Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Innovative and Creativity Journal of Development Economic and Social Studies (JDESS) Jurnal Social Society Jurnal Inovasi Ekonomi Syariah dan Akuntansi International Journal of Economics, Commerce, and Management Jurnal Manajemen Bisnis dan Keuangan Journal of Ekonomics, Finance, and Management Studies Jipmor: Jurnal Ilmu Pendidikan Dan Humaniora Journal of Islamic Economics and Finance Jurnal Ekonomi, Manajemen, Akuntansi LAN TABUR: JURNAL EKONOMI SYARIAH Journal of Noesantara Islamic Studies
Sitti Nikmah Marzuki, Sitti Nikmah
Institut Agama Islam Negeri (IAIN) Bone
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Social Sciences Other

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Penerapan Etika Bisnis Islam dan Prinsip Budaya Bugis Sebagai Strategi Penguatan Karyawan pada CV Surya Indah Group Ayu Puspa Kirana; Aksi Hamzah; Sitti Nikmah Marzuki
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8126

Abstract

This study aims to analyze the implementation of Islamic business ethics and Bugis cultural principles as a strategy for employee empowerment at CV Surya Indah Group in Bone Regency. In today’s highly competitive business environment, empowering employees is a key factor in achieving organizational success, especially when approached through local cultural and spiritual values. This research employs a qualitative descriptive method with a case study approach. Data were collected through in-depth interviews, direct observation, and documentation involving both employees and management. The findings reveal that Islamic business ethics values such as siddiq (honesty), amanah (trustworthiness), tabligh (communicativeness), and fathanah (wisdom) have been internalized in the company’s work culture. Furthermore, Bugis cultural values such as sipakatau (mutual respect), sipakalebbi (mutual honor), and getteng (firmness in principle) strengthen employee loyalty and responsibility toward the organization. The synergy between these religious and cultural values has proven effective in fostering a harmonious work environment, enhancing motivation, and encouraging long-term employee retention. The implication of this study suggests that organizations can sustainably strengthen human resources by integrating local cultural wisdom and Islamic ethics into their employee management strategies.
STRATEGI INOVASI PRODUK DAN JASA BERBASIS AKAD WADIAH DAN MUDHARABAH DI ERA DIGITALISASI PERBANKAN SYARIAH Hasanah, Hasanah; Jumardi, Jumardi; Ramli, Bustan; Marzuki, Sitti Nikmah
Bisnis-Net Vol 9, No 1: MEI 2026
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v9i1.8117

Abstract

This study examines how Islamic banks can innovate products and services based on the contracts of wadiah and mudharabah amid rapid digitalization. The research addresses the practical issue of aligning technological advances with Sharia principles while sustaining competitiveness and customer trust. The study aims to (i) map current practices and strategic directions of wadiah mudharabah innovation across digital channels (mobile/internet banking, QRIS, digital wallet), (ii) identify key success factors (contract and profit-sharing transparency, e-service quality, security and Sharia compliance, customer digital literacy, and staff capabilities), and (iii) propose an operational framework linking contract-based innovation to customer outcomes and bank performance. Methodologically, this is a library research drawing on indexed journals, academic books, and prior reports. The synthesis indicates that clear, simple, and secure digital presentation of Sharia values increases customer satisfaction, trust, and loyalty; for banks, it strengthens liquidity (via wadiah funds), reduces cost of funds in mudharabah portfolios, lowers operating costs, and expands the customer base. The proposed three tier framework contract, process & technology, and outcomes—supported by blockchain, big data analytics, and AI, guides practical implementation and measurement. 
EXAMINING THE MEDIATING ROLE OF TAWĀḌUʿ IN REDUCING ECOLOGICAL POVERTY THROUGH ECONOMIC BEHAVIOR Nurlisa Safitri; Syaparuddin Razak; Sitti Nikmah Marzuki; Hukmiah Husain
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 26 No 1 (2026)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/ecjcge35

Abstract

This study examines the mediating role of tawāḍuʿ in reducing ecological poverty through economic behavior. It integrates the concepts of deep ecology, environmental justice, and khilāfah to explain the relationships among environmental injustice, natural resource exploitation, economic greed, sustainable environmental policy, and ecological poverty. Using a quantitative approach with SEM-PLS, data were collected from 245 Muslim middle-class respondents in South Sulawesi, Indonesia. The findings show that environmental injustice increases resource exploitation, which intensifies economic greed and leads to less responsible economic behavior while weakening tawāḍuʿ. In contrast, sustainable environmental policy enhances tawāḍuʿ, fostering ethical awareness and promoting more responsible economic behavior. Tawāḍuʿ significantly contributes to reducing ecological poverty and serves as a key mediator linking structural and behavioral factors to socio-ecological outcomes. The results indicate that ecological issues are not merely technical or economic but are also shaped by moral-spiritual dimensions that influence economic behavior. This study contributes by proposing an integrative ecological–structural–spiritual model and empirically validating the role of tawāḍuʿ within Islamic environmental ethics. Practically, it highlights the importance of integrating moral-spiritual values into sustainable environmental governance.
Co-Authors A.Wulandari Abd. Rasyid R Abd.Hafid Abdullah, Rais Abdullahanaa, Abdullahanaa Affandi, Lukman Akifah Aksi Hamzah Amelia Apriliani Bulan Amir, Muhammad Fakhri Andi Ika Fahrika Andi Musdalipah Andi Oddang Anggryani, Lisa Anisa Anisa Anizah, Nur Ansyah, Arbi Arafah, Muh Ariska, Ayu Armin Armin, Armin Aulia Nur Ramadhani Ayu Puspa Kirana Basri Buhari, Ulfa Luthfiyah Buhasyim, Muhammad Abdi D, A Zulfikar Fitri, Nur Aulia Hafid, Abd. Hardina Pratiwi Hasanah Hasanah Haslinda Haslinda, Haslinda Hasminiar, Hasminiar Hasnidar Yuslin Herianti Herianti Hj. Hukmiah Hukmiah HUKMIAH HUSAIN Ida Farida Idayanti, Rini Ihzani, Masdathul Irsyam, Muh Islami, Nur Ainul Islami JUMARDI Jumarni Jumarni Jumriani , Jumriani Jumriani, Jumriani Jusman, Rahmayani Kadir, Syahruddin Karliena, Yayuk Kasnaini KIRANA, AYU PUSPA Masyhuri Masyhuri Muh. Irnandas Muhammad Yamin Muis, Musrini Muljan, Muljan Munawarah Munawarah, Munawarah Mutalib, Ahmad Abdul mutiara mutiara Nur Azizah Nur Hikmah Nurhidayah Nurhidayah Nurlisa Safitri Nurul Dzakyya Syifa Rahmat Hidayat Rahmayanti, Vera Rajul, Ahmad Ramdani, Nurdianti Ramli, Bustan Razak, Syaparuddin Restiani, Vira Rina Novianty Rina Novianty, Rina Riska Prasasti Rosmini Rosmini Sabbar, Sabbar Dahham Sakirah Sakirah Sari, Surya Karmila Shadriyah Sinta Sahara Strech, David E Syahban, Wahyudin Syahraeni Syahraeni, Syahraeni Syamsul Bahri Syaparuddin Syaparuddin Razak Titiek Muthmainnah wahyuni wahyuni