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All Journal Al-Ahkam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam MUDRA Jurnal Seni Budaya Al-Musthofa: Journal of Sharia Economics Indonesian Journal of Halal Research El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Dinamika Ekonomi Syariah Airlangga Journal of Innovation Management Jurnal Investasi Islam Journal of Economics Development Issues ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Investama : Jurnal Ekonomi dan Bisnis INASJIF ASNAF YUDHISTIRA : Jurnal Yurisprudensi, Hukum dan Peradilan Jurnal Penelitian Mahasiswa Ilmu Sosial, Ekonomi, dan Bisnis Islam (SOSEBI) Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy Danadyaksa: Post Modern Economy Journal Journal of Finance and Islamic Banking Jurnal Keadaban: Jurnal Sosial dan Humaniora Journal of Islamic economics Perspectives (JIEP) Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah ABDIANDAYA : Jurnal Pengabdian dan Pemberdayaan Masyarakat Al-Ijtimā: Jurnal Pengabdian Kepada Masyarakat Journal of Islamic Economics Studies and Practices (JIESP). Asian Journal of Law and Islamic Finance
Maksum, Maksum
Universitas Annuqayah
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Social Sciences Other

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The Knowledge, Service Features, Benefits, And Convenience and Their Influence on Customer Interest: Evidence on BSI Mojopahit 2 Mojokerto City, Indonesia Mutia Hendarti, Alvina; Candra Yudha, Ana Toni Roby; Wicaksono, Rianto Anugerah; Maksum, Maksum; Huda, Nurul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.49-66

Abstract

This study investigates the influence of customer knowledge, service features, perceived benefits, and convenience on user interest in adopting BSI Mobile Banking at Mojopahit 2 Branch, Mojokerto City, Indonesia. Using a quantitative approach with a purposive sample of 100 active users, the study employed multiple linear regression analysis through SPSS. Results demonstrate that all four variables significantly affect customer interest, both individually and simultaneously, with perceived benefit emerging as the most dominant factor influencing user adoption. This study contributes to the growing body of research on Islamic digital banking by highlighting how cognitive and experiential factors drive mobile banking adoption in emerging economies with large Muslim populations. Unlike many conventional studies, this research emphasizes the unique feature set of Islamic mobile banking—such as zakah calculators and Qibla direction services—that align with faith-based financial behaviors. The findings provide actionable insights for Islamic financial institutions aiming to expand digital financial inclusion while preserving Shariah compliance. Future international studies can build on this model by comparing adoption dynamics across Islamic banking systems, examining the role of religious values in fintech usability, or integrating behavioral economics into Islamic digital finance frameworks.
Dampak Upah Minimum, Produk Domestik Regional Bruto, Inflasi dan Tingkat Pendidikan terhadap Penyerapan Tenaga Kerja di Provinsi Jawa Timur Tahun 2011-2020 Maksum, Maksum; Khovifa, Khovifa Lindarsi Farawangsa
ASNAF : Journal of Economic Welfare, Philantrophy, Zakat and Waqf Vol 1, No 2 (2022)
Publisher : Prodi Manajemen Zakat dan Wakaf, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/asnaf.v1i2.4738

Abstract

The population growth in Indonesia is getting faster and faster as well as the population growth in East Java Province. The total population of East Java Province is the second largest in Indonesia after West Java Province. Data on the population growth rate of East Java Province in percentage from 2010 to 2020 reached 0.79%. However, the large rate of population growth in East Java Province has not been matched by a large number of labor absorbed in various economic sectors. This research is aimed to analyze the factors influencing minimum wage, gross regional domestic product, inflation, and education level on labor absorption in East Java from 2011-2020 in the period of 10 years. This research is used quantitative research with a descriptive method. The decision-making sample in this research used purposive sampling, it got 7 regencies/cities for this research sample. The source of data is taken generally from the Central Bureau of Statistics (BPS). This study used the panel data regression analytical method of secondary data and the data selected for the fixed effect model, the software used in this research is Eviews 9. The result showed as a simultaneous test, it is found that minimum wage, gross regional domestic product, inflation, and education level have a significant effect on labor absorption. As a partial test minimum wage and inflation have no significant effect on labor absorption, but gross regional domestic product and the education level variable has a significant effect on labor absorption. The value of coefficient determination (R2) in this research in the amount of 99,86% can be concluded on the dependent variable labor absorption. Meanwhile, 0,14% can be concluded by another variable.
Persepsi dan Preferensi Alumni Annuqayah terhadap Potensi Wisata Syariah di Kabupaten Sumenep Tsabit, Ahmad Majdi; Maksum, Maksum
KEADABAN: Jurnal Sosial dan Humaniora Vol 3, No 2 (2022)
Publisher : Fakultas Sosial dan Humaniora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/adab.v3i2.3613

Abstract

Wisata Syariah merupakan bentuk dari pengembangan wisata religi yang lumrah dilaksanakan oleh penduduk Indonesia. Pengembangan potensi wisata syariah menjadi penting ketika dihadapkan pada upaya pemulihan ekonomi akibat pandemic covid-19. Wisata syariah dapat menjadi alternatif pemasukan pendapatan masyarakat ditengah menurunnya kondisi ekonomi yang melanda hampir diseluruh sektor. Penelitian ini berupaya untuk melihat potensi wisata syariah di Kabupaten Sumenep berdasarkan persepsi dan preferensi alumni pondok pesantren Annuqayah.Data yang digunakan menggunakan data primer yang didapatkan melalui angket yang disebar kepada responden menggunakna metode pengukuran rating scale, yang kemudian disajikan secara deskriptif kuantitatif menggunakan Importance Performance Analysis (IPA) yang mengukur tingkat persepsi dan preferensi dari responden yang berjumlah 97 orang.Hasil penelitian menghasilkan bahwa persepsi dan preferensi alumni annuqayah terhadap potensi wisata syariah di Kabupaten Sumenep sangat baik. Hal ini dilihat dari seluruh indikator tingkat persepsi yang lebih tinggi dari tingkat preferensi. Sedangkan hasil analisis IPA, atribut potensi wisata syariah di Kabupaten Sumenep terbagi menjadi empat atribut yaitu, pertama Atribut Prioritas Utama yaitu jaminan halal dan penampilan pemandu wisata, kedua Atribut Pertahankan yaitu objek wisata alam, wisata religi, ketersediaan fasilitas beribadah yang  layak dan scui dan makanan halal, berikutnya adalah kemudahan akses informasi wisata, lokasi objek wisata yang mudah dan terjangkau dan terserdianya akses transportasi yang memadai. Ketiga adalah Atribut Prioritas Rendah yaitu objek wisata budaya, pertunjukan seni, paket perjalanan wisata yang seusai kriteria wisata syariah dan kebersihan dan sanitasi lingkungan. Keempat Atribut Berlebihan, yaitu biaya transportasi dan fasilitas yang memudahkan untuk beribadah.Kata Kunci: Persepsi, Preferensi, Potensi Wisata Syariah, Importance Performace Analysis
Are Islamic Branding and Halal Awareness Relevant? A Study of Annuqayah Santri's Purchasing Decisions on Wardah Cosmetics Sumita; Maksum
Airlangga Journal of Innovation Management Vol. 5 No. 4 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i4.63453

Abstract

Cosmetics have become an important part of women's lives, including teenage santriwati at Pondok Pesantren Annuqayah, who use cosmetics not only to maintain skin health but also to boost self-confidence. Indonesia, as the second largest market for halal cosmetics, is a relevant place to examine the influence of Islamic branding, halal awareness, trust, and product quality on purchasing decisions. Islamic branding is expected to give consumers a sense of trust that the product is halal. Halal awareness also influences consumers in choosing halal-labeled products as part of compliance with sharia. The research uses a quantitative approach with a purposive sampling technique with the criteria that female Santri are at least 15 years old, Wardah cosmetic users, and have used it for the past year. The data were analysed using multiple regression with a sample of 100 respondents obtained through filling out a questionnaire by Santri, which was then carried out using a using a validity test, a classical assumption test, and hypothesis testing using multiple linear regression with the help of SPSS. The results showed that partially Islamic branding (0.029), trust (0.003), and product quality (0.001) have an influence on the purchasing decisions of Pondok Pesantren Annuqayah Santri on Wardah cosmetic products, while halal awareness (0.062) has no effect. These results provide an understanding of the behaviour of santri through an Islamic economic approach. Further research can increase the number of observations about the behaviour of Santri at the Islamic Boarding School.
PEMBERDAYAAN PETANI GULA AREN MELALUI DIVERIFIKASI KONSENTRIS UNTUK MENINGKATKAN NILAI TAMBAH GULA AREN SEBAGAI PRODUK UNGGULAN DESA ROMBIYA TIMUR Maksum, Maksum; Fajariyah, Robiatul Fajariyah; Fajriyah, Rini Nur Fajriyah
Abdimas IAI Ngawi Vol 1 No 1 (2023): ABDIANDAYA: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Publisher : LP2M Institut Agama Islam Ngawi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/abdiandaya.v1i1.772

Abstract

The palm tree (Arenga pinata), which is a member of the areca nut family (Arecaceae), is a closed seed plant (Angiospermae), which means that the seeds are entirely encased in the fruit meat. In general, this plant resembles coconut trees, although palm trees have different stems from coconut trees. The trunks of coconut trees are pristine, in contrast to the filthy trunks of palm trees. Nearly every area of East Rombiya Village is covered in palm trees. The palm tree produces a sweetener known as palm sugar. East Rombiya Village, which has not been heavily farmed, is where the community processes palm sugar. Although resources from palm trees can be used in the food and beverage business, practically all sections of this plant can be utilized and have high economic value. The abundance of these resources can be used as the village's superior product. The purpose of this service is to develop palm sugar production through concentric diversification, namely the development of new products while still using the same production material, namely palm sugar. The service method is carried out through Participatory Action Research (PAR) which in this method is known as a method and strategy that can produce local leaders whose job it is to be able to continue these assisted activities after the service program ends. The results of the diversification produced by the service team are Liquid Palm Sugar and Ant Palm Sugar products. This product is a development of the production of palm sugar produced in East Rombiya Village. This product can add to the selling value of palm sugar, which is often sold at a superficial level. The diversification of palm sugar products that has been carried out can be used as a superior product in East Rombiya village to increase people's income. Keywords: Palm Sugar, concentrated Divertification, Income, Village Main Product
EKONOMI KREATIF DI ANNUQAYAH SEBAGAI TRANSFORMASI EKONOMI PESANTREN MENUJU PEMBERDAYAAN SANTRI BERKELANJUTAN Muktirrahman, Muktirrahman; Maksum, Maksum; Huda, Nurul; Muhaimin, Hasbi Al
SOSEBI: Jurnal Penelitian Mahasiswa Ilmu Sosial Ekonomi dan Bisnis Islam Vol. 5 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/sosebi.v5i2.11455

Abstract

Abstrak: Artikel ini membahas transformasi ekonomi pesantren melalui pengembangan ekonomi kreatif di Pondok Pesantren Annuqayah sebagai model pemberdayaan santri berkelanjutan. Penelitian dilakukan dengan pendekatan kualitatif studi kasus, melibatkan wawancara mendalam, observasi partisipatif, dan dokumentasi. Hasil penelitian menunjukkan bahwa inovasi model bisnis kreatif, keterlibatan aktif santri dalam usaha, serta penerapan prinsip green entrepreneurship dan ekonomi sirkular mampu meningkatkan keterampilan kewirausahaan dan kemandirian santri. Dampak sosial ekonomi yang dihasilkan berupa peningkatan kapasitas santri, penyediaan lapangan kerja, dan penguatan ekonomi masyarakat sekitar. Strategi diversifikasi usaha, inovasi produk, dan edukasi nilai-nilai Islam menjadi kunci keberlanjutan ekonomi kreatif pesantren. Kajian ini memberikan kontribusi penting bagi pengembangan model pemberdayaan ekonomi berbasis komunitas di pesantren lain di Indonesia. Kata Kunci: Transformasi Ekonomi; Ekonomi Pesantren; Ekonomi Kreatif; Keberlanjutan; Pemberdayaan Santri Abstract: This article examines the economic transformation of pesantren through the development of creative economy at Pondok Pesantren Annuqayah as a sustainable santri empowerment model. Using a qualitative case study approach, the research incorporates in-depth interviews, participatory observation, and documentation analysis. The findings indicate that innovative creative business models, active involvement of santri, and the application of green entrepreneurship and circular economy principles significantly enhance entrepreneurial skills and independence among santri. The socio-economic impact includes skill improvement, job creation, and strengthening the local community’s economy. Sustainable strategies encompass business diversification, product innovation, and Islamic value education. This study provides essential insights for other pesantren seeking to develop community-based economic empowerment models in Indonesia. Keywords: Economic Transformation; Pesantren Economy; Creative Economy; Sustainability; Santri Empowerment
TRANSFORMATION OF CREATIVE ECONOMY SMEs IN KERIS PRODUCTION IN SUMENEP: PRESERVING CULTURAL HERITAGE WITHIN A SUSTAINABLE ECONOMIC FRAMEWORK Nurdiana, Fitri; Muktirrahman, Muktirrahman; Sholehah, Nadelatus; Ilwatina, Ilwatina; Maksum, Maksum
Ar Rehla: Journal of Islamic Tourism Halal Food Islamic Traveling and Creative Economy Vol. 5 No. 2 (2025)
Publisher : Faculty of Islamic Economic and Business - Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/ka8rs384

Abstract

Abstract: This study aims to analyze the digital transformation process of Micro, Small, and Medium Enterprises (MSMEs) in the creative economy producing keris in Sumenep, Madura, to preserve cultural heritage while promoting sustainable economic growth within Indonesia’s economic development framework. Keris craftsmen are part of the creative economy’s handicraft sub-sector, which has great potential in increasing economic added value through cultural heritage utilization. This research employs a qualitative-descriptive approach through in-depth interviews with keris craftsmen, observation of digitalization practices, and analysis of digital marketing strategies implementation in three main keris-producing sub-districts: Aeng Tong-Tong, Bluto, and Lenteng. The theoretical framework used includes Technology-Organization-Environment (TOE) for technology adoption analysis and Digital Storytelling Theory for cultural preservation through digital media. Digital transformation significantly expanded market reach by 45% and increased average transaction values from Rp 350,000 to Rp 550,000. Social media utilization achieved 12% engagement rates on TikTok, while e-commerce adoption through Tokopedia and Shopee enhanced product visibility and cultural storytelling capabilities. This study contributes to Indonesian economic development by demonstrating how cultural heritage-based MSMEs can leverage digital transformation to achieve sustainable economic growth, preserve intangible cultural heritage, and enhance Indonesia’s creative economy competitiveness in the global market. Keywords: digital transformation; MSMEs; creative economy; Sumenep keris; cultural heritage; sustainable economy Abstrak: Penelitian ini bertujuan untuk menganalisis proses transformasi digital Usaha Mikro, Kecil, dan Menengah (UMKM) ekonomi kreatif penghasil keris di Sumenep, Madura, untuk melestarikan warisan budaya sekaligus mendorong pertumbuhan ekonomi berkelanjutan dalam kerangka pembangunan ekonomi Indonesia. Pengrajin keris termasuk dalam sektor ekonomi kreatif subsektor kerajinan yang memiliki potensi besar dalam meningkatkan nilai tambah ekonomi melalui pemanfaatan warisan budaya. Penelitian ini menggunakan pendekatan kualitatif-deskriptif melalui wawancara mendalam dengan pengrajin keris, observasi praktik digitalisasi, dan analisis implementasi strategi pemasaran digital di tiga kecamatan utama penghasil keris: Aeng Tong-Tong, Bluto, dan Lenteng. Kerangka teoritis yang digunakan adalah Technology-Organization-Environment (TOE) untuk menganalisis adopsi teknologi dan Digital Storytelling Theory untuk pelestarian budaya melalui media digital. Transformasi digital secara signifikan memperluas jangkauan pasar sebesar 45% dan meningkatkan nilai rata-rata transaksi dari Rp 350.000 menjadi Rp 550.000. Pemanfaatan media sosial mencapai tingkat keterlibatan 12% di TikTok, sementara adopsi e-commerce melalui Tokopedia dan Shopee meningkatkan visibilitas produk dan kemampuan bercerita budaya. Penelitian ini berkontribusi pada pembangunan ekonomi Indonesia dengan menunjukkan bagaimana UMKM berbasis warisan budaya dapat memanfaatkan transformasi digital untuk mencapai pertumbuhan ekonomi berkelanjutan, melestarikan warisan budaya tak benda, dan meningkatkan daya saing ekonomi kreatif Indonesia di pasar global. Kata Kunci: transformasi digital; UMKM; ekonomi kreatif; keris Sumenep; warisan budaya; ekonomi berkelanjutan
CEISE Model: Integrating Islamic Values and Community Engagement for Service Excellence in Baitul Mal Wa Tamwil Muktirrahman, Muktirrahman; Maksum, Maksum; Sholehah, Irtifatus; Nurul Huda; Ishfaq Ahmed
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v12i2.22215

Abstract

Baitul Mal wa Tamwil (BMT) as Islamic microfinance institutions face challenges in creating sustainable service differentiation amid increasingly intense financial sector competition. This research develops the Community-Embedded Islamic Service Excellence (CEISE) Model as a theoretical framework to understand how the integration of Islamic values and community engagement creates competitive advantages in BMT operations. Using a qualitative case study approach at BMT NU East Java Pasongsongan Branch, the study involved in-depth interviews with 10 staff members and 15 customers, observation, and document analysis. Data were analyzed using the Miles and Huberman thematic analysis framework. Findings demonstrate that CEISE Model implementation through four main dimensions: Spiritual Service Dimension (SSD), Community Integration Mechanism (CIM), Adaptive Accessibility Framework (AAF), and Sustainable Intimacy Balance (SIB) successfully creates distinctive value propositions. Service innovations such as "door-to-door service" systems (73% utilization), temporal flexibility (67% staff), and Islamic values-based approaches resulted in 89% customer retention, +73 Net Promoter Score, and 56% community participation. Integration of Islamic values (justice, trustworthiness, excellence, public interest) at every service touchpoint creates emotional bonds transcending transactional relationships. This research provides theoretical contribution through CEISE Model development filling literature gaps on service excellence in religious-cultural contexts and practically provides strategic framework for BMT service optimization.
When Trump Tariffs Shake the World: Are Indonesian Sharia Stocks Shockproof? Hasyim, Fuad; Maksum; Hidayat, Nur
Journal of Islamic Economics Perspectives Vol. 7 (2025): Journal of Islamic Economics Perspectives - Special Issue
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/0r2d2c59

Abstract

This study investigates the resilience of the Indonesia Sharia Stock Index (ISSI) to policy-induced ambiguity shocks, with a specific focus on Trump tariff policies framed within the VUCA paradigm. Employing a GARCH-X(1,1) model on daily data spanning from 3 June 2024 to 27 June 2025, the findings reveal that ISSI exhibits greater sensitivity to global uncertainty, significantly influenced by the VXEEM index than the conventional Jakarta Composite Index (IHSG). However, the dummy variable representing Trump’s tariffs shows no statistically significant impact on the volatility of either market. These results suggest that the ethical screening mechanisms underlying Sharia-compliant stocks may offer limited protection against non-systemic, policy-driven shocks. The study offers conceptual and methodological contributions to the discourse on Islamic finance volatility modeling in an increasingly ambiguous global policy environment.
The Effect of Savings Shuttle Services and  Communication Ethics KSPPS. BMT NU East Java on Member Satisfaction(Case Study at BMT NU Lenteng Branch): (Case Study at BMT NU Lenteng Branch) Na'em, Khairun; Muktie, Maksum
Al-Musthofa: Journal of Sharia Economics Vol. 8 No. 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v8i2.3816

Abstract

Customer satisfaction represents a personal assessment of how well a product or service meets predetermined expectations. This investigation seeks to analyze the impact of mobile banking collection services and ethical communication practices on member contentment at BMT NU East Java's Lenteng Branch. Employing quantitative methodology, the study engaged 100 carefully selected participants through targeted sampling techniques. Research data was gathered via survey instruments and processed using multivariate regression analysis with SPSS 26. The findings demonstrate that mobile collection services and communication standards positively and substantially affect member satisfaction, both individually and collectively. Subsequent studies might benefit from examining additional influential variables or incorporating qualitative and mixed-method designs, including in-depth interviews, to obtain more comprehensive insights into member perspectives
Co-Authors Alief Rifky, Nuzulul Alvina Mutia Hendarti Amin, Moh. Abqoriyin Ana Toni Roby Candra Yudha Angrum Pratiwi Anjum, Rehana Ciptia Khoirulina Sanawati Dwi Astuti, Sriyati Fajariyah, Robiatul Fajariyah Fajriyah, Rini Nur Fajriyah Hasyim, Fuad hayatun Helmi, Moh. Hikmatul Maulidah, Hikmatul Maulidah Iftikhori, Ach. Ilwatina, Ilwatina Ina As'ary Ishfaq Ahmed Izuddin, Muhammad Jamilah, Ismiyatul Khoiri, Moh. Miftahol Khovifa Lindarsi Farawangsa Khovifa Khovifa, Khovifa Lindarsi Farawangsa Mohammad Takdir Muayyad, Ubaidullah Muhaimin, Hasbi Al Muktirrahman Mutia Hendarti, Alvina Na'em, Khairun Nasrudin, Muhamad Nur Hidayat Nurdiana, Fitri Nurul Huda Nurul Huda Nurul Huda Nurul huda Rianto Anugerah Wicaksono Salsa Yuli Setiani Shaleh, Badrus Sherawali, Sherawali Shohiburrahman Shohiburrahman Sholehah, Irtifatus Sholehah, Nadelatus Silviatul Karomah, Silviatul Karomah Sinawar Sinawar Slamet Haryono Suaidi, Suaidi Sugiyanto Sumita Syamsi, Badrus Tsabit, Ahmad Majdi Wijayanti, Ida Zahroh, Fatimatus