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All Journal Ekonomi Bisnis JEJAK Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Al-Iqtishad Jurnal Ekonomi & Studi Pembangunan An-Nisbah: Jurnal Ekonomi Syariah Jurnal Wilayah dan Lingkungan JIET (Jurnal Ilmu Ekonomi Terapan) JDE (Journal of Developing Economies) Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Jurnal Ilmiah Ekonomi Islam Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Analisis Bisnis Ekonomi Ekono Insentif Ihtifaz: Journal of Islamic Economics, Finance, and Banking Efficient: Indonesian Journal of Development Economics Jurnal Orientasi Bisnis dan Entrepreneurship Ekopem: Jurnal Ekonomi Pembangunan Jurnal Riset Ilmu Ekonomi Jurnal Iqtisaduna Share: Jurnal Ekonomi dan Keuangan Islam CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Journal of Islamic Economics, Management, and Business (JIEMB) WELFARE Jurnal Ilmu Ekonomi Journal of International Conference Proceedings Equilibrium: Jurnal Ekonomi Syariah Jurnal Magister Ekonomi Syariah Economic Development Analysis Journal An-Nisbah: Jurnal Ekonomi Syariah JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Journal of Islamic Economic Laws Jurnal Analisis Bisnis Ekonomi
Muhammad Ghafur Wibowo, Muhammad Ghafur
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Redefining CRM for the Digital Age: The Role of Customer Data Protection from an Islamic Perspective Furwanti, Reni; Casmini, Casmini; Wibowo, Muhammad Ghafur
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.22521

Abstract

ABSTRACT - This study refines Customer Relationship Management (CRM) as a strategic approach for the digital era. It proposes Customer Data Protection (CDP) as a crucial new dimension for a more holistic CRM framework. This revised framework addresses inconsistencies in past CRM definitions, which have contributed to implementation failures across industries. The urgency for this refinement is further emphasized by Indonesia's weak data security landscape. Employing a quantitative survey methodology, the study gathers data from 412 respondents selected through purposive sampling. Confirmatory Factor Analysis (CFA) is then utilized to analyze each CRM dimension within the collected data. The empirical findings establish five significant dimensions of CRM, forming a strategic framework referred to as the "5C CRM." This framework encompasses processes for cultivating positive stakeholder relationships, preserving company value, and ultimately enhancing customer satisfaction. From an Islamic perspective, data protection aligns with the Maqāṣid Sharia principle of hifdz al-nafs (protecting life). By securing customer data, companies safeguard customers from potential dangers associated with cybercrime and unauthorized access. This aligns with the Quranic verse An-Nur:27, which emphasizes seeking permission before entry. This verse signifies the company's responsibility to secure and protect customer data from unauthorized access. Ultimately, businesses that actively safeguard personal information are more likely to cultivate customer satisfaction and loyalty. The findings suggest that prioritizing data security not only aligns with Islamic principles but also fosters stronger customer relationships.========================================================================================================ABSTRAK - Redefinisi CRM untuk Era Digital: Peran Perlindungan Data Konsumen dalam Perspektif Islam. Penelitian ini meredefinisi konsep Customer Relationship Management (CRM) sebagai pendekatan strategis untuk era digital dengan mengusulkan dimensi baru, yaitu Perlindungan Data Konsumen (Customer Data Protection - CDP), untuk menciptakan kerangka kerja CRM yang lebih komprehensif. Penyempurnaan ini bertujuan untuk mengatasi persoalan inkonsistensi definisi CRM yang berakibat pada kurang efektifnya implementasi di berbagai sektor. Urgensi penyempurnaan ini disebabkan oleh kondisi keamanan data di Indonesia yang masih lemah sehingga sering terjadi kebocoran data. Penelitian ini menggunakan metode kuantitatif yang mengumpulkan data melalui survei kuesioner dari 412 responden yang dipilih secara purposif. Confirmatory Factor Analysis (CFA) digunakan untuk menganalisis dimensi-dimensi CRM dari data yang terkumpul. Hasil kajian menetapkan lima dimensi kunci CRM yang membentuk kerangka strategis yang disebut “5C CRM”. Kerangka ini mencakup proses yang dilakukan perusahaan untuk membina hubungan positif dengan pemangku kepentingan internal dan eksternal, menjaga nilai perusahaan, dan meningkatkan kepuasan pelanggan. Dari perspektif Islam, perlindungan data konsumen sejalan dengan prinsip Maqashid Syariah, khususnya aspek hifdz al-nafs (melindungi kehidupan). Dengan pengamanan data konsumen, perusahaan akan melindungi pelanggan dari bahaya kejahatan dunia maya dan akses yang tidak sah. Hal ini sesuai dengan ayat Al-Qur’an An-Nur:27 yang menekankan pentingnya meminta izin sebelum memasuki suatu tempat, yang menandakan tanggung jawab perusahaan untuk mengamankan dan melindungi data konsumen dari akses tidak sah. Pada akhirnya, perusahaan yang secara aktif melindungi informasi pribadi cenderung meningkatkan kepuasan dan loyalitas pelanggan. Temuan penelitian menunjukkan bahwa prioritas terhadap keamanan data tidak hanya sejalan dengan prinsip Islam tetapi juga memperkuat hubungan dengan pelanggan.  
Transformasi Pasar Modal Syariah Indonesia: Menavigasi Tantangan Digitalisasi dan Inklusi Keuangan di Era 5.0 Maulana, Nora; Mukhtasar, Mukhtasar; Wibowo, Muhammad Ghafur; Razali, Razali; Safwan, Safwan
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.52677

Abstract

The research aims to explore the development of the Indonesian Islamic capital market in the 5.0 era, explore the transformation, advantages and challenges faced by the Indonesian Islamic capital market, and formulate development strategies that can be applied in an effort to create a more modern, inclusive, transparent Islamic capital market structure, and still adhere to sharia principles. The research uses a qualitative method with an analytical literature approach. The findings of the research reveal that there are significant changes taking place in Indonesia's Islamic capital market. These transformations include the role of digitalization in promoting financial inclusion, the adoption of blockchain technology and digital security systems, the implementation of Islamic fintech, and the optimization of Islamic financial literacy. The research also highlights a series of strategic advantages for the development of Indonesia's Islamic capital market, including the synergy between the world's largest Muslim population and demographic bonus, increasing global demand for sustainable finance, and rapidly growing digital connectivity. The findings confirm a number of crucial challenges faced such as limited technological infrastructure, suboptimal regulatory harmonization, low levels of literacy, public perception and trust in Islamic capital markets, high competition with conventional capital markets, limited product variety, and risk management and security of digital transactions.
Pengembangan Kurikulum Magister Ekonomi Syariah Perguruan Tinggi Keagamaan Islam Negeri (Ptkin) Di Era Revolusi Industri 4.0 Wibowo, Muhammad Ghafur
Jurnal Magister Ekonomi Syariah Vol. 3 No. 1 Juni (2024): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2024.031-07

Abstract

The Master Program in sharia economics (MES) is one of the study programs that are widely available at State Islamic Religious Universities (PTKIN), consist of State Islamic Universities (UIN), State Islamic Institutes (IAIN), and State Islamic Colleges (STAIN). More than 30 of all PTKIN in Indonesia have MES study programs, but preliminary observations show that the curriculum content of the 30 MES programs is still varied and not standardized. This study aims to analyze the variability of the curriculum content of Islamic Economics Master Program at PTKIN in Indonesia and formulate a minimum curriculum content standard that should be applied in all Islamic Economics Master Program at PTKIN in Indonesia. The results showed that there are 13 recommended courses, namely microeconomics, macroeconomics, philosophy of Islamic economics, history of economic thought Islam, economic verses and hadith, usul Fiqh, Fiqh muamalah, Islamic economic systems and theories, research methods, econometrics, economic mathematics, Sharia digital financial economics, and thesis. The choice of courses is based on accommodation to economic theory, Sharia Science, Industrial Revolution 4.0, SNPT fulfillment, KKNI fulfillment, and Outcome Education Education (OBE) base. In addition, the compulsory courses are also in line with the courses taught in the master's program in economics (MIE) at the PTUN, which in fact are more established and more experienced.  Finally, the compulsory subjects are also generally in line with the academic terms of reference of the S1 Islamic Economics Study program issued by KNEKS.
PENGARUH PELAKSANAAN LAYANAN KESEHATAN DI PROVINSI SUMATERA SELATAN TERHADAP HUMAN DEVELOPMENT INDEX (HDI) robba, irdlonia; Wibowo, Muhammad Ghafur
Ekopem: Jurnal Ekonomi Pembangunan Vol. 6 No. 3 (2024): Jurnal Ekonomi Pembangunan
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Timor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32938/jep.v6i3.7700

Abstract

Penelitian ini bertujuan untuk menganilsis dampak dari pelaksanaan layanan Kesehatan di kota Sumatera Selatan terhadap Human Developmen Index (HDI), dengan mempertimbangkan secara simultan maupun parsial variable-variabel ketersedian SDM dan Infrastruktur kesehatan Data yang dipergunakan pada penelitian ini merupakan data sekunder, dan data yang digunakan yaitu data kuantitatif. Jumlah pengamatan pada penelitian ini yaitu menggunakan data berkala (time series) selama 13 tahun terkahir sejak tahun 2010-2023, dengan menggguakan metode pengumpulan data yang dipergunakan adalah observasi. Teknik analisis yang dihunakan merupakan analisis regresi data pael dan statistik deskriptif. Berdasarkan hasil analisis, uji data panel menunjukkan adanya hubungan yang signifikan antara pelayanan Kesehatan dengan variabel ketersediaan SDM dan infrastruktur Kesehatan terhadap Human Development Index (HDI)
OPPORTUNITIES AND CHALLENGES OF ISLAMIC PHILANTHROPY IN THE DEVELOPMENT OF SHARIA ECONOMICS IN INDONESIA Ash-Shiddiqy, Muhammad; Fitriyati, Intan Diana; Munajat, Makhrus; Wibowo, Muhammad Ghafur
Journal of International Conference Proceedings Vol 7, No 3 (2024): 2024 Global Waqf Conference Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v7i3.3722

Abstract

It can be said that the sharia-based economy in Indonesia has experienced rapid growth over the past few years, so it has bright future prospects. With the largest Muslim population in the world, strong government support, the growth of the Islamic finance industry, and global market potential, an economy based on sharia principles has a high opportunity to continue to grow and contribute to state revenues. But besides that, economic development with sharia principles also has several challenges that need to be faced, such as the lack of public understanding and infrastructure development that still needs to be improved. Based on this, researchers will conduct an analysis of the opportunities and challenges of sharia-compliant economic development in Indonesia. The results of this study are expected to make the public understand more about the future prospects of the Islamic economy in Indonesia. This study aims to find out about the opportunities and challenges of developing the Islamic economy in Indonesia with data acquisition techniques using secondary data obtained through journals, official websites, and other literature that has relevance to the topic
Determinants of Human Development Index in Indonesia with Maqashid Sharia approach Caniago, Muhammad Ali Imran; Wibowo, Muhammad Ghafur
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12353

Abstract

The study examines factors that influence the Indonesian Human Development Index using the Maqashid Sharia approach. This study's sample is made up of several provinces with the Human Development Index for different categories of people. Data analysis employs a panel data regression model with a fixed effect model. The study's findings indicate that whereas variables Hifzu al-din, Hifzu al-aql, and Hifzu al-mal have a significant impact on the Index of Human Development, variables Hifzu al-nafs and Hifzu al-nasl have no significant impact on the Index of Human Development. Simultaneously, the variables Hifzu al-din, Hifzu al-nafs, Hifzu al-aql, Hifzu al-nasl, and Hifzu al-mal exhibit significant effects on the Human Development Index. Results of the determination test show that 98% of independent variables can influence dependent variables, with the remaining 2% being affected by variables not examined in this study. The study's findings recommended to the government that they support Hifzu Al-din in reducing crime rates, Hifzu Al-Aql by increasing the average length of schooling, and Hifzu Al-Mal in raising per capita income. By paying more attention to these issues, human development will eventually reach its full potential.
The Effect of Human Development Index (HDI), Inequality and Consumption on Poverty Levels in All Provinces in Indonesia Abdullah; Wibowo, Muhammad Ghafur
Jurnal Ilmu Ekonomi Terapan Vol. 9 No. 2 (2024)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v9i2.59249

Abstract

This study aims to analyze the effect of human development index (HDI), income inequality, and consumption on Indonesia’s poverty rate for 2018-2022. The approach used is quantitative with statistical panel data analysis method using 3 model approaches namely CEM, FEM, and REM. The selected model is the Fixed Effect Model as a result of the Chow and Hausman tests. The results showed that HDI and inequality variables had no significant effect on the poverty rate. Meanwhile, the consumption variable has a negative and significant effect on poverty. Simultaneously, all independent variables have a significant effect on the dependent variable. This research is expected to provide input for the government in formulating poverty alleviation policies in Indonesia by focusing more on reducing public consumption. Research limitations on secondary data in aggregate so that the results are less representative for each province.
Analisis People Centered Development Model dalam Mengatasi Degradasi Lingkungan di Indonesia Musir, Oka; Wibowo, Muhammad Ghafur
Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan Vol 25, No 1 (2025)
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ekonomikawan.v25i1.20918

Abstract

Environmental quality is a phenomena problem in Indonesia that includes high population, low human development index, and income inequality in both urban and rural areas. The purpose of this study is to evaluate the effect of variables such as population, human development index, and income inequality on environmental quality in Indonesia. This research method uses panel data from 2015 to 2022 and covers 33 provinces in Indonesia. Data was obtained from the Central Bureau of Statistics (BPS). This study found that population growth has no effect on environmental quality in Indonesia. In contrast, the human development index has a positive and significant effect on environmental quality in Indonesia. Meanwhile, income inequality has a negative and significant impact on environmental quality in Indonesia.
The Effect of Inflation, Government Spending and Exports on Economic Growth in Indonesia Susilawati, Susilawati; Wibowo, Muhammad Ghafur
Jurnal Magister Ekonomi Syariah Vol. 3 No. 2 Desember (2024): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2024.032-03

Abstract

This study examines the effect of inflation, government spending, and exports on Indonesia's economic growth in the period 1990–2023. The data used are time series data from the Central Bureau of Statistics (BPS) and the International Monetary Fund (IMF). The analysis method used is Vector Autoregression (VAR) with estimation through Eviews 13 software. The results of the analysis show that inflation has a negative but insignificant effect on economic growth. Government spending shows a significant positive effect, while exports have an insignificant negative impact. Overall, the dynamics of the three variables do not have a significant impact simultaneously on economic growth. However, the finding that government spending has a significant positive effect indicates the importance of optimizing state spending, especially if it is directed to strategic sectors that can increase national productivity. Negative inflation indicates the need for policies to maintain price stability. Although exports have not shown a strong influence, efforts to increase the competitiveness of export products remain relevant within the framework of long-term development. The originality of this study lies in the integration of three main macroeconomic variables in one VAR model to analyze their dynamic relationships. This approach provides a new contribution to the study of Indonesian macroeconomics and provides empirical evidence that can be used by policymakers in formulating sustainable economic growth strategies.
KETERKAITAN PERTUMBUHAN EKONOMI, JUMLAH PENDUDUK MISKIN, PENDIDIKAN DAN KESEHATAN: STUDI EMPIRIS JAWA TIMUR Mardiyatillah, Sakinah; Wibowo, Muhammad Ghafur
Jurnal Ilmiah Ekonomi Bisnis Vol 30, No 2 (2025)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/eb.2025.v30i2.13663

Abstract

Hubungan antara pertumbuhan ekonomi, jumlah penduduk miskin, pendidikan dan kesehatan menjadi indikator penting untuk menganalisis pembangun ekonomi dalam suatu bangsa. Apakah jumlah penduduk miskin, pendidikan dan kesehatan berpengaruh terhadap pertumbuhan ekonomi. Peneliti bertujuan untuk mengetahui tolak ukur dan mendiskripsikan hubungan variabel bebas jumlah penduduk miskin yang diproksikan Tingkat Lama Sekolah (TPM), pendidikan yang diproksikan Lama Harapan Sekolah (LHS), kesehatan yang diproksikan Angka Harapan Hidup (AHH) terhadap pertumbuhan ekonomi (PDRB Per Kapital). Populasi yang dimasukkan dalam penelitian kota/kab provinsi di Jawa Timur. Sampel yang digunakan 38 kota/kab dan 304 data. Model analisis data yang digunakan yaitu regresi data panel dan diperoleh hasil model yang paling sesuai dengan penelitian adalah Fixed Effect Model (FEM). Penelitian menunjukkan hasil TPM tidak berpengaruh signifikan terhadap pertumbuhan ekonomi, LHS serta AHH berpengaruh signifikan terhadap pertumbuhan ekonomi. Sedangkan, hasil uji F disimpulkan terdapat pengaruh secara simulthan variabel pertumbuhan ekonomi terhadap variabel terikat yaitu TPM, LHS dan AHH.
Co-Authors Abdullah Abdullah, Muhammad Latif Akmal Ihsan Alatas, Abdullah amal, Muhammad ahsanul Amarudin, Luluk Amirullah, Malik Abd. Karim Andiansyah, Farma Ash-Shiddiqy, Muhammad Ashari, Mirza Purta Cahyaningrum, Safira Aulia Caniago, Muhammad Ali Imran Casmini Casmini, Casmini Dzihny, Izzatu Ebiyeska, Hedi fitriyanto, nur Fitriyati, Intan Diana Furwanti, Reni Gabi, Ainul Ghannili, Farawi Hasbi Hikam, Ahmad Nailul Julina Julina Juniati, Wike Kamaluddin Kamaluddin Lestari, Dini Maulana Linawati, Yuliasti Mahendra, Weri Makhrus Munajat Mardiyatillah, Sakinah Maulana, Nora Misnen Ardiansyah, Misnen Mubarok, Ahmad Muflikha, Muflikha Muhammad Wakhid Musthofa Muhdir, Ibnu Muhsin, An’nissa Miftahusnika Islami Mukhtasar, Mukhtasar Mulyadi, Sandi Musir, Oka Nainggolan, Basaria Prihatiningtyas, Dian Razali Razali robba, irdlonia Safwan Safwan, Safwan Satibi, Ibi Setyono, Fredi Soleman, Riky Syafi'i, Imam Syakur, Fauzan Abdul Wau, Taosige Zahirah, Qonitah Rifda