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All Journal Jurnal Biometrika dan Kependudukan (Journal of Biometrics and Population) Al-Mustashfa Jurnal Ilmiah Ekonomi Islam Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Justisia Ekonomika Al Maal: Journal of Islamic Economics and Banking Jurnal Farmamedika (Pharmamedica Journal) Jurnal Ilmu Ekonomi dan Bisnis Islam Ekopem: Jurnal Ekonomi Pembangunan Kafa’ah: Journal of Gender Studies ABDI MASSA: Jurnal Pengabdian Nasional Jurnal Visi Pengabdian Kepada Masyarakat KARYA: Jurnal Pengabdian Kepada Masyarakat EKONOMIKA45 Tadayun: Jurnal Hukum Ekonomi Syariah Relevance: Journal of Management and Business Natural Science Education Research (NSER) Ta'rim: Jurnal Pendidikan dan Anak Usia Dini SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Jurnal Aplikasi Perpajakan IIJSE Engagement: Jurnal Pengabdian Kepada Masyarakat Jurnal Dedikasi Masyarakat THE COMMERCIUM Journal of Community Service: In Economic, Business, and Islamic Finance TSAQAFAH : Jurnal Peradaban Islam Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Luluk latifah
Universitas Muhammadiyah Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Medicine & Pharmacology Physics Public Health Social Sciences Other

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Rethinking Money and Budget Lines: A Comparative Study of Secular and Islamic Economic Rationality Luluk Latifah; Salameh alkhazaleh
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 6 No 2 (2024)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v6i2.363.190-210

Abstract

This study addresses the fundamental differences between secular and Islamic economic concepts of money and its usage, highlighting a research gap in understanding these paradigms. The objective is to analyze the concept of money from both perspectives and link it to rational Islamic solutions for achieving optimal welfare. Employing a qualitative methodology through library research, the study illustrates the application of these concepts with case examples. Findings reveal that in secular economics, money is viewed as a commodity that serves as a store of wealth and capital. In contrast, in Islamic economics, money is regarded as a public good that should facilitate productive transactions under Sharia principles. The research concludes that rationality in Islamic economics emphasizes not only utility maximization but also the maximization of social welfare, where optimal consumption occurs when the Sharia-compliant budget line intersects with the highest iso-maslahah curve. This study contributes to a deeper understanding of the differences in economic paradigms and their implications for Islamic financial policy, asserting that the Islamic economic system offers solutions based on values of blessing and social welfare. The findings encourage further exploration of the practical application of Sharia budget lines in contemporary economic decision-making.
Enhancing Financial Literacy for Indonesian Students in Egypt through Amānāh Finance Training Latifah, Luluk Latifah; Saputra, Fathi Fathurrahman; Nasrullah, Dede; Huda, Fatkur
Engagement: Jurnal Pengabdian Kepada Masyarakat Vol. 9 No. 2 (2025): November 2025
Publisher : Asosiasi Dosen Pengembang Masyarajat (ADPEMAS) Forum Komunikasi Dosen Peneliti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/engagement.v9i2.1987

Abstract

As the phenomenon of Indonesian students studying abroad increases, the number of concerns of Indonesian students in facing the challenges of financial management while studying abroad also increases. That is why proper and correct financial management is needed. Amānāh finance is financial management both individually and institutionally based on the values ​​of Amānāh in order to realize blessings. The purpose of the community service program is to socialize personal financial management while studying in Egypt. The target of this community service program is Indonesian students who are studying in Egypt. The method used is to conduct training or workshops on personal financial management based on the values ​​of Amānāh . The training begins with a pre-test before delivering the socialization material about Amānāh finance. The pre-test is to see the extent of the training participants' understanding of Amānāh financial management. The training ends with a post-test, to see the increase in understanding after being given socialization and training related to Amānāh finance. The results of community service show an increase in students' understanding of financial management material based on Amānāh values. This can be seen from the results of the pre-test and post-test of students who have increased. When the pre-test was carried out on the questions given, the correctness value obtained ranged from 70% - 80%, and after being given the material and a post-test was held, the value increased to 95% - 100%.
The Effect of Inflation and Efficiency on Performance Indonesian Sharia Commercial Bank Ani Setyawati; Haqiqi Rafsanjani; Luluk Latifah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.6757

Abstract

This research aims to analyze the influence of inflation and efficiency on the performance of sharia banking in Indonesia, as measured by Return on Assets (ROA). The data used is monthly time series data from 2014 to 2023 obtained from the Financial Services Authority (OJK) and Bank Indonesia (BI). The analysis method used is the Vector Error Correction Model (VECM) to identify short-term and long-term relationships between variables. The research results show that inflation has a significant influence on sharia banking profitability in the short term, but does not have a significant impact in the long term. In contrast, operational efficiency, as measured by the ratio of Operating Costs to Operating Income (BOPO), has a greater impact on Islamic banking profitability than inflation. These findings confirm that increasing operational efficiency is the main factor in maintaining the positive performance of Islamic banking amidst economic fluctuations.
Globalized Digital Marketing Strategies amid Technological Disruption: Addressing Ethical Gaps through Maqashid Sharia Sadeli, Mochamad Sumpena; Luluk Latifah
Relevance: Journal of Management and Business Vol. 8 No. 2 (2025): December
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/relevance.v8i2.12328

Abstract

The rapid expansion of digital marketing amid globalization and technological disruption has fundamentally transformed contemporary marketing strategies. However, prior studies largely emphasize efficiency, performance metrics, and technological capabilities, while giving limited attention to ethical accountability. This study addresses this gap by examining online marketing strategies through the lens of Islamic marketing ethics, grounded in the Maqashid Shariah framework. Using a descriptive and exploratory qualitative design, the study analyzes purposively selected secondary data from peer-reviewed international journals, industry reports, and documented digital marketing practices across global and emerging markets. Thematic analysis is employed to identify strategic patterns, ethical challenges, and value-creation mechanisms in online marketing communication. The findings indicate that online marketing has evolved into an integrated strategic system characterized by targeted communication, data-driven personalization, interactive engagement, and measurable performance outcomes. Despite these advantages, significant ethical challenges emerge, particularly regarding transparency, data responsibility, consumer autonomy, and short-term performance orientation. By applying Maqashid Shariah, the study demonstrates that ethical online marketing should protect consumer intellect, safeguard wealth, and promote social welfare. The study contributes theoretically by positioning Maqashid Shariah as a normative framework for evaluating digital marketing strategies and practically by guiding firms toward ethically responsible and sustainable digital innovation.
Islamic Economic Thought Has Existed Since The Time Of The Prophet Adam Alaihis Salam Luluk Latifah; Isma Swadjaja; Dian Berkah; Muridah Isnawati; Warsidi Warsidi
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8745

Abstract

Studies on the history of Islamic economics are still very rare, especially the study of Islamic economics before the Nubuwah period or the time of the appointment of the Prophet Muhammad as a Prophet and Apostle. The purpose of this study is to prove that Islamic economic civilization has existed since the time of the Prophet Adam sent by Allah to the earth. The method used in this study is a qualitative method with a research library, with a historical methodology approach. The results of the study said that Islamic economic civilization existed long before the Nubuwah era or the time of the appointment of the Prophet Muhammad SAW as a prophet and apostle. At the time of the Prophet Adam, there were very simple economic activities to meet their basic or primary needs. These economic activities are consumption, distribution and production. More and more economic functions were practiced during the time of Noah and Yunus, including the functions of transportation and trade. Even at the time of the Prophet Yusuf, there was already a supply and warehousing function. The time when Prophet Musa carried out economic activities more fully and in detail, namely when Prophet Musa a.s. met with two girls who were queuing to get their cattle to drink and then Prophet Musa offered himself as a representative (wakalah contract) to carry out the duties of the two girls. Furthermore, more intense cooperation in the field of livestock maintenance and development as employees (managers) and shahibul Maal (livestock owners). The economic functions at the time of the Prophet Muhammad were more complete, namely the functions of production, consumption, distribution, human resources and investment. Almost everything was lived by the Prophet Muhammad himself since the age of 8 years. The initial journey that the Prophet Muhammad had carried out was as a deputy at the beginning as a shepherd with a salary system, then as a mudharib in a trading business when the prophet Muhammad was not married, and then after marrying Khadijah the Prophet acted as a shahibul mall and at the same time an investor and this is when the Prophet Muhammad have a lot of time to think about the condition of society, at this time the Prophet had achieved financial freedom or freedom of money
The Meaning of Amânâh In Managing Household Finances Towards Blessing Luluk Latifah; Abd Hadi; Sholihul Huda; Abdurrahman Raden Aji Haqqi; Lutfi Agus Salim
TSAQAFAH Vol. 20 No. 1 (2024): Tsaqafah Jurnal Peradaban Islam
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v20i1.106

Abstract

Amānāh is all religious obligations or burdens covering the affairs of the world and the hereafter which are addressed to humans. The concept of Amānāh that is built cannot be separated from the cultural and social influences of one’s place of residence. This study aims to develop the concept of Amānāh values from household financial managers and scientific experts by using a phenomenological qualitative approach from the main informants as housewives and from experts in various scientific fields, namely the field of Islamic economics, Islamic religion, psychology and sociology. The results of the research show that the concept of the meaning of Amānāh is a mandate, an honesty, a trust and proportionality.
Implementation of Sharia Compliance in ZIS Distribution at BSI Maslahat Based on DSN-MUI Fatwas Salma Nadia Salsabilla; Arin Setiyowati; Luluk Latifah
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 10 No. 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.19687

Abstract

The implementation of Sharia compliance in the management of zakat, infaq, and sadaqah (ZIS) funds is essential to ensure public trust and institutional accountability. This study aims to examine the extent to which BSI Maslahat, the official amil zakat institution affiliated with Bank Syariah Indonesia (BSI), complies with Sharia principles in distributing ZIS funds, particularly in terms of transparency and accountability. This research uses a qualitative method with a literature and documentary study approach. The data were sourced from BSI Maslahat’s annual reports from 2017 to 2023 and relevant fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN-MUI). Content analysis was applied to assess the alignment of ZIS distribution with Sharia principles, particularly DSN-MUI Fatwa No. 23/2020 and No. 71/2023. The findings indicate that ZIS distribution during the observed period did not fully comply with Fatwa No. 23/2020, as the riqab category was not included. However, improvements in transparency and reporting were evident in accordance with Fatwa No. 71/2023. These results are analyzed through Monzer Kahf’s Islamic Contract Theory, which emphasizes justice, transparency, and Sharia adherence. This study contributes to Islamic economic discourse by offering strategic recommendations to enhance ZIS fund management and compliance. It also serves as a reference for regulators and Islamic financial practitioners to improve institutional governance and public confidence in Islamic philanthropy.Keywords: BSI Maslahat; Sharia Compliance; ZIS Distribution; DSN-MUI; Islamic Contract Theory
PELATIHAN AMĀNĀH FINANCE DI LINGKUNGAN MUSLIMAH HIDAYATULLAH Luluk Latifah; Kunainah Kunainah; Mu'arofah Mu'arofah; Retno Setyo Utami; Masfufah Masfufah; Masruroh Masruroh
KARYA: Jurnal Pengabdian Kepada Masyarakat Vol 6 No 1 (2026): KARYA: Jurnal Pengabdian Kepada Masyarakat
Publisher : FKIP Universitas Samawa

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Gaya hidup konsumerisme dan jauh dari efisiensi saat ini sedang melanda sebagian besar rumah tangga. Fenomena ini menyebabkan terjadinya ketimpangan pendapatan dan pengeluaran rumah tangga sehingga terjadi besar pasak dari pada tiang atau besar pengeluaran dari pada pendapatan. Ketimpangan ini bila terus berlanjut akan berbahaya terhadap kondisi Kesehatan rumah tangga sehingga rawan terjadinya perpecahan atau perselisihan di dalam rumah tangga. Sehingga diperlukan pengelolaan keuangan yang tepat dan benar. Amānāh Finance adalah pengelolaan keuangan rumah tangga berdasarkan nilai-nilai Amānāh dalam rangka mewujudkan keberkahan keluarga. Nilai-nilai Amānāh adalah, tanggung jawab, terjadwal, terencana, proporsional, komunikatif, transparansi, filantropi Islam dan efisiensi. Dengan pengelolaan keuangan berdasarkan nilai-nilai Amānāh tersebut, keberkahan finansial akan terwujud berupa ketenangan pikiran, kesehatan, kesejahteraan dan rezeki yang cukup, sehingga jauh dari kekhawatiran. Hasil pengabdian kepada masyarakat menunjukkan peningkatan pemahaman di lingkungan Muslimah Hidayatullah terhadap materi pengelolaan keuangan dengan nilai-nilai Amānāh. Hal ini terlihat dari hasil pre-test dan post-test para Ummahat yang mengalami peningkatan. Selama pre-test pertanyaan yang diberikan, nilai rata-rata kebenaran yang diperoleh sebesar 9,35 dan setelah diberikan materi dan diadakan post-test, nilainya meningkat menjadi 9,46. Mengalami kenaikan sebesar 12%.
PELATIHAN PEMBUKUAN SEDERHANA UNTUK KADER KAMPUNG KB DI KECAMATAN TENGGELIS MEJOYO KOTA SURABAYA Fitri Nuraini; Luluk Latifah
ABDIMAS Vol 6 No 02 (2026): PENGABDIAN MASYARAKAT
Publisher : COMMUNITY OF RESEARCH LABORATORY SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69957/abdimass.v6i02.2471

Abstract

Pembukuan sederhana adalah sistem pencatatan keuangan bisnis secara mudah dan praktis yang mencakup semua transaksi pemasukan, pengeluaran, dan aktivitas keuangan lainnya. Pembukuan sederhana merupakan proses pencatatan yang dilakukan secara teratur yang bertujuan untuk mengumpulkan informasi dan data yang berkaitan dengan laporan keuangan. Tujuan pelatihan pembukuan sederhana untuk para kader kampung KB di kecamatan Tenggilis Mejoyo ini adalah untuk mengenalkan dan mempraktekkan cara membuat pembukuan sederhana. Metode yang digunakan adalah dengan pemberian ceramah mengenai bagaimana cara membuat pembukuan sederhana, yang mudah dan tidak merepotkan. Hasil pengabdian menunujukkan bahwa antusiasme yang tinggi dari para kader kampung KB dalam menngikuti pelatihan mengenai pembukuan sederhana, hal ini bisa dilihat dari banyaknya para peserta yang mengajukan pertanyaan kepada pemateri.
Potensi M-Bangking Syariah Sebagai Tehnologi Pembayaran Untuk Mendukung Inklusi Keuangan Syariah Indonesia (Studi Literatur Penggunaan Qris) Rakhmad Widodo; Luluk Latifah
Jurnal Aplikasi Perpajakan Vol. 6 No. 2 (2025): Jurnal Aplikasi Perpajakan
Publisher : Jurnal Aplikasi Perpajakan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jap.v6i2.496

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan QRIS dan mobile banking dalam kerangka ekonomi Islam serta mengidentifikasi potensi risiko, tantangan, dan peluang yang muncul. Metode yang digunakan adalah studi literatur sistematis dengan menelaah jurnal ilmiah, dokumen regulasi, dan buku relevan. Hasil kajian menunjukkan bahwa meskipun QRIS dan mobile banking pada dasarnya tidak mengandung mekanisme bunga, integrasinya dengan produk keuangan konvensional berpotensi menimbulkan unsur-unsur yang tidak sejalan dengan prinsip syariah. Selain itu, isu transparansi, keamanan data, dan pengawasan menjadi tantangan utama dalam menjaga kepatuhan syariah. Oleh karena itu, penelitian ini menegaskan pentingnya penguatan regulasi, sertifikasi syariah, serta pengembangan platform pembayaran digital yang sepenuhnya berbasis syariah guna memastikan keberlanjutan inovasi keuangan digital dalam sistem ekonomi Islam di Indonesia.
Co-Authors Abd Hadi Abdurrahman Raden Aji Haqqi Adianto, Arda Aditya Rakhmawan Agnia Jihan Savira Anjani Agus Purwanto Ahmad Mochtar Jamil Aisyah Putri Ismawan Ajeng Wahyu Martareza Aldi Mardani Ali Immanudin Alvian Chasanal Mubarroq Andre Ridho Saputro Anggun Wijayanti ANI SETYAWATI Anita Winda Setia Wati Atiqatul Maula Baehaqi Baterun Kunsah Dede Nasrullah Dian Berkah Fanani, Filzah Fatkur Huda Firman Iswahyudi Mustafa Fitri Nuraini Girianto Edy Purnomo Haqiqi Rafsanjani Hilmia Lukman, Hilmia Huliyyatul Wahdah Iskandar Ritonga Isma Swadjaja Ivan Rahmad Pramudya Kunainah Kunainah Kunsah, Bateru Laili Nur Faizah Leni Ilmiawati Lukman Hakim Lutfi Agus Salim M. Lathoif Ghozali Masfufah Masfufah Masruroh Masruroh Mohammad Rizqy Yusril Pratama Mu'arofah Mu'arofah Muhammad Anas Muhammad Danu Winata Muhammad Roichan Choiron Muhammad Wakhid Saebani Muridah Isnawati Nasakhatisy Syamsuzh Zhilla Nova Ulumiya Nur Faizah Rakhmad Widodo Randy Rastasyah Sitepu Reno Adhianta Shadewa Retno Setyo Utami Ridho Akbar Rika Aprillia Ritonga, Iskandar Saddam Widharmanto Sadeli, Mochamad Sumpena Salameh alkhazaleh Salma Nadia Salsabilla Salsa, Sandryna Aulia Salsabilla, Salma Nadia Salsabilla, Salma Nadia Saputra, Fathi Fathurrahman Sari, Intan Devi Orlita Sella Aulia Setiyowati, Arin Sholihul Huda Siti Mardiyah Sofyan, Syaakir Thariq Malikul Mulki Tiffany Lovenlya Indy Ayu Putri Kundayadi Titien Sulistiawaty Trissa Athma Wijaya Veronica, Nina Wahyu Setiawan Wahyudi Tri Ari Sandi Wardatul Jannah warsidi warsidi Yeti Eka Sispita Yeti Eka Sispita Sari Yetti Kristiana