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All Journal El-Iqtishady INTELEKTIVA ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Masile: Jurnal Studi Ilmu Keislaman Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Journal of Islamic Digital Economics and Management Maslahah: Jurnal Manajemen dan Ekonomi Syariah Journal of Islamic Economics and Finance Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Santri : Jurnal Ekonomi dan Keuangan Islam Journal of International Multidisciplinary Research JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Jurnal Inovasi Ekonomi Syariah dan Akuntansi Masile:Jurnal Studi Ilmu Keislaman Jurnal Bisnis, Ekonomi Syariah dan Pajak Jurnal Riset Multidisiplin Edukasi Scripta Economica: Journal of Economics, Management, and Accounting Niswantara
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Religion Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Implementasi Digital Marketing pada Unit Usaha Ritel Koperasi Syariah dalam Meningkatkan Volume Penjualan Siti Ayu Juliyah; Dini Selasi
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 3 (2026): Juli: Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i3.3073

Abstract

This study aims to analyze the implementation of digital marketing in Sharia cooperative retail business units to increase sales volume. Advances in information technology have driven changes in consumer behavior, leading to an increasing reliance on digital media for product information and transactions. This situation requires Sharia cooperatives to adapt through the implementation of effective digital marketing strategies. This study employed a qualitative method with a case study approach. Data were obtained through observation, in-depth interviews, and documentation. The research informants consisted of cooperative administrators, retail business unit managers, and consumers who interacted with the cooperative's digital marketing media. Data analysis techniques used the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The results show that the implementation of digital marketing through social media, WhatsApp Business, and digital promotions can expand market reach, enhance interaction with consumers, and drive increased sales volume. However, obstacles remain, including limited human resources and consistency in digital content management. Therefore, improving the digital competency of cooperative managers is necessary to optimize digital marketing strategies.
Kesenjangan antara Prinsip Bagi Hasil dalam Ekonomi Islam dan Praktik Manajemen Risiko pada Koperasi Syariah: Tinjauan Literatur Arnelia Putri Pratiwi; Dini Selasi
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 3 (2026): Juli: Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i3.3098

Abstract

This research aims to analyze the gap between the profit-sharing principle as the normative foundation of Islamic economics and the risk management practices applied in sharia cooperatives, considering the ongoing inconsistencies in the implementation of the risk-sharing principle. The research method employs a qualitative approach thru literature study with thematic and comparative analysis techniques on relevant academic literature. The results and discussion indicate that sharia cooperatives tend to adopt a conventional risk management paradigm oriented toward institutional stability, thereby triggering the dominance of non-profit-sharing contracts and the shift of the concept of risk sharing to risk shifting in operational practices. The gap is influenced by structural factors, including limitations in managerial capacity, information asymmetry, potential moral hazard, and pressures of institutional sustainability. This study concludes that the risk management practices of sharia cooperatives do not fully reflect the principles of Islamic economics, thus necessitating a reconstruction of a more integrative and contextual risk management model. As a suggestion, sharia cooperatives need to develop a risk management framework based on risk sharing that is adaptive to operational risks without disregarding the values of justice and partnership as the main characteristics of Islamic economics.
Analisis Strategi Pemasaran Online dan Offline Koperasi Batik Ciwaringin Cirebon dalam Menjangkau Pasar Lokal Hingga Internasional Mira Yuli; Dini Selasi
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 4 No. 2 (2026): Juni: Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v4i2.2603

Abstract

This Study aims to analyze the online and offline marketing strategies carried out by the Anugerah Batik Ciwaringin Cooperative in Cirebon. Its marketing is carried out through social media such as Instagram and Whatsapp online, and through offline means such as direct sales, batik training, and participating in batik exhibitions.Interestingly, this Cooperative, although not yet utilizing the marketplace, has succeeded in reaching consumers as far as Singapore and Australia. The method in this study is a descriptive qualitative methode with a case study approach. Data were obtained from interviews and direct observations at the Anugerah Batik Ciwaringin Cooperative with the results of the study showing that the marketing strategy of this cooperative is still simple but  consistent in direct promotion so that it is able to expand market reach to foreign countries. The Anugerah Batik Ciwaringin Cooperative received recognition from Bank Indonesia for its contribution to local economic development. This international market success demonstrates that the synergy of cultural education and tradisional consumer loyalty can effectively replace modern digital platforms to increase regional product salaes.
Manajemen Pembiayaan Jual Beli & Murabahah Teknik Implementasi Bai’ Al-Murabahah, As-Salam, dan Istishna dalam Pembiayaan Konsumtif dan Produktif Apriyanto Apriyanto; Dini Selasi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2371

Abstract

The development of Islamic financial institutions has encouraged the increased use of sale-based financing contracts as an alternative financing system in accordance with Islamic principles. This study aims to analyze the management of sale-based financing and the implementation techniques of bai' al-murabahah, as-salam, and istishna' contracts in both consumer and productive financing. The method used in this study is a qualitative descriptive method through a literature review by reviewing various literature related to Islamic financing. The results show that murabahah financing is more widely used to meet consumer needs because it provides price certainty and profit margins. Meanwhile, as-salam and istishna' contracts are more widely applied in productive sectors such as agriculture, trade, and the manufacturing industry. The implementation of good financing management includes the planning stage, feasibility analysis, contract implementation, supervision, and resolution of problematic financing. With proper management, sale-based financing can improve community welfare and support the development of the Islamic economy..
Strategi Pengelolaan Resiko Produksi Batik Pewarna Alami pada Koperasi Batik Ciwaringin Icha Asaroh; Dini Selasi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2372

Abstract

This study aims to analyze the risk management strategies in the production of natural dye batik at the Ciwaringin Batik Cooperative, Cirebon Regency. Ciwaringin Batik is recognized as one of the batik production centers that utilizes natural dyes derived from various plants, giving it significant cultural and environmental value. However, the production process of natural dye batik faces several risks, including color quality inconsistency, limited availability of natural raw materials, weather changes affecting the drying process, and limited workforce skills. These challenges may hinder business sustainability and the cooperative’s competitiveness. This research employs a descriptive qualitative approach through observation, interviews, and documentation studies to identify risk sources and management strategies. The findings indicate that production risk management is implemented through the diversification of raw material sources, enhancement of artisans’ skills through training programs, application of standard operating procedures (SOPs), and strengthening collaboration among the cooperative, farmers supplying natural dye materials, and other supporting stakeholders. These strategies effectively minimize potential production disruptions while maintaining the quality of environmentally friendly batik products. Therefore, effective risk management plays a crucial role in supporting the sustainability and development of the natural dye batik business at the Ciwaringin Batik Cooperative.
Mitigasi Risiko Pembiayaan Bermasalah pada Koperasi Jasa Keuangan Syariah yang Mengelola Unit Ritel: Pendekatan Syariah Compliance Dede Saeroji; Dini Selasi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2381

Abstract

The expansion of retail units by Sharia Financial Services Cooperatives (KJKS) serves as a business diversification strategy to improve members’ welfare. However, this expansion increases exposure to the risk of nonperforming financing (NPF). This study employs a qualitative literature review using secondary data from the Financial Services Authority (OJK) to analyze financing risk mitigation strategies through a Sharia compliance approach. The findings indicate that the national NPF rate for KJKS remains relatively high and is influenced by weak feasibility analysis and member moral hazard. The role of the Sharia Supervisory Board (DPS), the implementation of Standard Operating Procedures (SOPs) based on DSN-MUI fatwas, and an early warning system are key to risk mitigation. Strengthening Sharia audits by the OJK is recommended to ensure that KJKS retail units remain sound and compliant with Sharia principles.
Transformasi Manajemen Koperasi Syariah sebagai Strategi Penguatan Ekonomi Umat di Tengah Perubahan Perekonomian Negara Muslim Ali Achmad Muhajir; Mohammad Ridwan; Dini Selasi
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 7 (2026): Jurnal Riset Multidisiplin Edukasi (Juli 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i7.2343

Abstract

This study aims to analyze the transformation of Islamic cooperative management as a strategy for strengthening the Muslim community's economy amid the changing economic landscape of Muslim countries. Global economic dynamics characterized by digitalization, the rapid growth of the halal industry, increasing competition among financial institutions, and economic uncertainty have encouraged Islamic cooperatives to transform in order to remain adaptive and competitive. This research employed a qualitative method using a library research approach by examining relevant regulations, scientific articles, books, and other scholarly documents. The collected data were analyzed using content analysis, comparative analysis, and descriptive qualitative analysis. The findings indicate that the transformation of Islamic cooperative management should focus on strengthening governance through Good Cooperative Governance, accelerating digital transformation, improving human resource quality, developing innovative products and services, and enhancing collaboration within the Islamic economic ecosystem. Although Islamic cooperatives continue to face challenges related to human resource quality, capital limitations, technological adoption, and regulatory support, they possess significant potential to empower the Muslim community through MSME financing, Islamic financial literacy enhancement, and community-based economic development. Therefore, a sustainable management transformation model is essential for improving the competitiveness of Islamic cooperatives while strengthening the economic resilience of the Muslim community amid the evolving economic conditions of Muslim countries.
Co-Authors Adi Prayogi Adine Ardiyanti Ahmad Kautsar Alfian Widiyanto Ali Achmad Muhajir ALISA QOTRUNADA Amanah Amelia Nur’aeni Ana Sahroni Apriyanto Apriyanto Arnelia Putri Pratiwi Cicih Maryati Cory Vidiati Dea Safitri Dede Kuswandi Dede Saeroji Devita Soraya Dwi Aprilia Eka Heryani Elly Lestari Fadia Khairunisa Farhat Saleh Al-jufri Fitri Fadhilah Gama Pratama Gilang Subagja Hakan Syukur Icha Asaroh Intan Ratnasari Johan Fery Hamzayah Lailatul Zannah Lukmannul Hakim Maslahah Maslahah Maulidiyah Al Adawiyah Meli Saputri Melina Indah Safitri Miftahul Fauzi Mira Yuli Mochammad Yuda AdiPradana Mohammad Ridwan Muhammad Ahfas Muhammad Nurjati Muhammad Risna Munandar Nayla Amelia Putri Neli Fitri Nunung Sinta Nuriyah Nur Azijah Nur Faadhilah Nur Wulan Ramdhaniah Nurbaeti Nurbaeti Nurul Mufidah Puput Indiyani Putri Meylani Resa Mahesa Rhisma Dillawati Rifqi Faturahman Rini Rizkiyana Ulfa Samsul Firmansyah Santika Dewi Siska Nurpitasari Siti Ayu Juliyah Siti Jolehah Siti Khoiriyah Sri Yuedah Suparman Surip Syahlia Divya Nabila Tia Nurazizah Uky Zaza Agustiana Vera Nopiyani Vika Mariska Septiana Vinka Melita Anjani Windi Agustina Windi Asyarofah Wira Untung Supriyanto