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All Journal Tafaqquh: Jurnal Penelitian Dan Kajian Keislaman Iqtishoduna: Jurnal Ekonomi Islam IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah
Umratul Khasanah
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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ANALISIS ASPEK-ASPEK PENENTU DALAM PERTIMBANGAN NASABAH MEMILIH PRODUK PEMBIAYAAN DI BMT NU CABANG BUNGATAN SITUBONDO Siti Nur Aini; Masyhuri Masyhuri; Umratul Khasanah
Tafáqquh: Jurnal Penelitian Dan Kajian Keislaman Vol. 10 No. 2 (2022): Desember
Publisher : INSTITUT AGAMA ISLAM BANI FATTAH (IAIBAFA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52431/tafaqquh.v10i2.1158

Abstract

The development of the Islamic economy and financial institutions in Indonesia appears to be showing significant progress, one of which is Baitul Maal Wal Tamwil (BMT) NU Bungatan Situbondo Branch. This institution has an important role because it can help and fulfill the wishes of some people, especially Muslims who want the services of Islamic financial institutions to manage their economy in accordance with Shari'a. But behind that, there are inhibiting factors as well as supporting factors that have made BMT NU able to survive amidst the many financial institutions that exist today. To collect the data, the researcher used several methods, namely observation, interviews and documentation, then the data were analyzed using qualitative descriptive analysis techniques. Based on this research, it can be concluded that there are several determinant aspects for customers in choosing financing products, one of which is customer satisfaction and trust. The development of a product is very much based on the trust of customers when the payment of installments increases sharply, indirectly the fear of consumers has haunted the large installments paid per month. Consumers or customers will pay attention to the quality of a bank, especially from the services and products offered. This motivates customers to use it carefully so as to create a sense of satisfaction for customers.
Integrating Spiritual Values, Digital Transformation, and Legal Protection in Pesantren-Based Entrepreneurship: A TCCM-Based Systematic Review: asdasd Muhammad Anas; Umratul Khasanah; Nur Asnawi; Nuur Halimatus Sa’adiah Masrukhin
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.1904

Abstract

In Indonesia, pesantren are evolving from being solely religious institutions to hybrid socio-economic institutions. These transformations stem from the assimilation of Islamic Digital entrepreneurial values and governance. However, the synergy of the facets in the candidate documents remains under-theorized and unchronicled. This research applies a Systematic Literature Review (SLR) methodology through the TCCM (Theory, Context, Characteristics, Methodology) Framework to weave together 78 peer-reviewed documents published between 2010 and 2025. The four key development pathways were distilled from bibliometric and content analyses and are as follows: the digitization of entrepreneurial waqf frameworks enhances operational efficiencies and scaling; waqf as a productive socio-economic capital; trust and moral legitimacy are obtained through Islamic business ethics; and the access to and the challenges of intellectual property are hindering institutional scale. This Study stands out in the body of available conceptual and analytical works, given that the majority of extant literature provides a striated holistic synthesis. In response, the research proposes a hybrid co-creation framework that integrates Islamic Digital entrepreneurship values and governance. This framework aims to foster socio-economic inclusivity through the collaboration of Digital MSMEs and pesantren. This work combines Islamic values of spirituality with the digital transformation and the protective legal system into a singular theoretical construct designed to reinforce entrepreneurship grounded in pesantren values, and it develops the theory by suggesting a hybrid co-creation model for its implementation.
Kepemilikan Sumber Daya Alam dalam Perspektif Ekonomi Islam Abd kafi; Umratul Khasanah
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 4 No. 2 (2025): Volume 4 Nomor 2 Tahun 2025
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v4i2.158

Abstract

This study was conducted to analyze the case of the sea fence in Tangerang, utilizing the concept of public ownership in Islamic economics, as the issue of the sea fence in Tangerang poses a serious environmental and social justice problem. Therefore, an analysis of the concept of public ownership in Islamic economics is urgent because it is one of the interpretations of justice in Islamic economics. This study employs a qualitative method, utilizing a case study research model and secondary data collected from various institutions related to the sea fence case. The results of this study indicate that the sea is classified as a public good in Islamic economics. Sea fences are prohibited because they constitute the seizure of the sea and limit access to the collective use of marine resources. In Islamic ethical values, sea fences are an act that carries the value of haram because it causes damage and injustice (dzalm). Therefore, the sea fence is a futile action (diya') because it does not support social welfare.
Co-Authors Abd kafi Masyhuri Masyhuri Muhammad Anas Nur Asnawi Nuur Halimatus Sa’adiah Masrukhin Siti Nur Aini