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All Journal Al-Ahkam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam MUDRA Jurnal Seni Budaya Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Shirkah: Journal of Economics and Business Al-Musthofa: Journal of Sharia Economics At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Indonesian Journal of Halal Research El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Dinamika Ekonomi Syariah Airlangga Journal of Innovation Management Mitra Mahajana: Jurnal Pengabdian Masyarakat Jurnal Investasi Islam eCo-Fin Journal of Economics Development Issues Al-Ijtima: Jurnal Pengabdian Kepada Masyarakat ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Investama : Jurnal Ekonomi dan Bisnis INASJIF ASNAF J-MABES 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 Islamic Banking & Economic Law Studies Danadyaksa: Post Modern Economy Journal Journal of Finance and Islamic Banking Jurnal Keadaban: Jurnal Sosial dan Humaniora 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 Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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Pengaruh Kesadaran Masyarakat, Pengetahuan Lingkungan dan Inovasi Berkelanjutan terhadap Partisipasi Masyarakat dalam Mendorong Pertumbuhan Green Economy di Kabupaten Sumenep Ach. Nuris Shobah; Maksum Maksum
eCo-Fin Vol. 7 No. 2 (2025): eCo-Fin
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/ef.v7i2.2331

Abstract

Green economy merupakan konsep kegiatan ekonomi yang menggunakan pendekatan pembangunan yang menitikberatkan pada pertumbuhan yang berkelanjutan. Namun, salah satu hambatan utama bagi kemajuan pertumbuhan green economy di Indonesia terletak pada kurangnya implementasi prinsip-prinsip green economy secara praktis oleh masyarakat di tingkat daerah maupun lokal. Penelitian ini dilakukan untuk mengevaluasi sejauh mana kesadaran masyarakat, pengetahuan lingkungan, dan inovasi berkelanjutan memengaruhi partisipasi masyarakat dalam mendorong pertumbuhan green economy di Kabupaten Sumenep. Metodologi dalam penelitian ini bersifat kuantitatif, dengan data primer yang dikumpulkan melalui penyebaran kuesioner kepada masyarakat Kabupaten Sumenep. Populasi berjumlah 1.142.210 orang, diambil sampel sebanyak 400 responden dan menggunakan metode probability sampling. Hasil uji-t menunjukkan bahwa masing-masing variabel bebas, yaitu kesadaran masyarakat, pengetahuan lingkungan, dan inovasi berkelanjutan, memberikan pengaruh positif dan signifikan secara statistik terhadap variabel terikat, yaitu partisipasi masyarakat. Selain itu, hasil uji uji-f menunjukkan bahwa gabungan ketiga variabel tersebut secara bersama-sama memberikan pengaruh yang signifikan terhadap variabel partisipasi masyarakat. Selanjutnya, berdasarkan analisis koefisien determinasi, diperoleh nilai Adjusted R² sebesar 0,561, yang menunjukkan 56,1% variasi dalam variable partisipasi masyarakat dapat dikaitkan dengan pengaruh ketiga variabel bebas tersebut. Sisanya, yaitu sebesar 43,9%, dijelaskan oleh faktor-faktor lain yang tidak diteliti dalam konteks penelitian ini.
The Role of Dividend Policy and Investment Decisions in Shaping Firm Value: Evidence from Indonesian Islamic Capital Market Tajus Subqi; Maksum Maksum; Atep Hendang Waluya; Anna Zakiyah Hastriana; Rustam Rustam
Shirkah: Journal of Economics and Business Vol. 10 No. 3 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v10i3.725

Abstract

While the previous studies have mentioned the effect of dividend policy and investment choice on the value of a firm, the effect of these variables on the value of a firm in the Islamic Capital Market of Indonesia has not been studied. Responding to this gap, the present study assesses the effect of dividend policy and investment choice on the value of a firm and examine how the dividend policy and investment choice affect the relationships of ownership structure, capital structure, profitability and corporation growth on the value of a firm. The study employed a quantitative method and collected data from 71 companies registered under the Indonesian Sharia Stock Index (ISSI) from 2016 to 2021. Using the software SmartPLS, the researchers did a Partial Least Squares (PLS) analysis to derive the required data. The results disclose that investment and dividend policies mediate the impact of capital structure on firm value but do not mediate the influence of ownership structure. Specifically, investment choice positively affects profitability, while dividend choice has a negative effect; furthermore, only dividend choice mediates corporate growth. Overall, both policies significantly determine firm value, particularly through their connection to capital structure and corporate growth. Managers and policymakers in the Indonesian Islamic capital market should strategically align dividend and investment policies with capital structure and growth considerations to enhance firm value in a Sharia-compliant context.
The Influence of Islamic Brand Image, Product Innovation, and Online Shopping Experience on Consumer Loyalty: The Intervening Role of Customer Satisfaction Alviyatuz Zahiroh; Maksum Maksum
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 12, No 1 (2026): JUNI 2026
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v12i1.19563

Abstract

The development of the halal cosmetics industry is rapidly growing, especially among students as active consumers of Wardah products. The proposed study will examine how the Islamic brand image, product innovation, and online shopping experience affect consumer loyalty using customer satisfaction as an intervening variable. This research uses a quantitative approach with a sample size of 96 respondents selected using a purposive sampling technique. The Structural Equation Modeling (SEM-PLS) method was used to analyze the data with the help of the Partial Least Squares algorithm. The findings of the research indicate that product innovation is a major factor that influences customer satisfaction, but the Islamic brand image and online shopping experience are not major factors in influencing customer satisfaction. Additionally, customer satisfaction is an important factor in consumer loyalty and can mediate the effects of all independent variables on consumer loyalty.
THE USE OF RAHN CONTRACTS IN SHARIA PAWNSHOPS AS A CAPITAL STRATEGY FOR PAMEKASAN FARMERS Syifatullaili Syifatullaili; Maksum Maksum
Islamic Banking & Economic Law Studies (I-BEST) Vol. 5 No. 1 (2026): Islamic Banking & Economic Law Studies (I-BEST)
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/ibest.v5i1.2095

Abstract

This study aims to analyze the implementation of the rahn contract in Sharia Pawnshops to improve the economy of farmers in Kadur District, Pamekasan Regency. This research uses a qualitative approach with a case study type, with the research subjects including Sharia Pawnshop employees and farmers using rahn-based financing. Data was collected through interview, observation, and documentation techniques, then analyzed using the Miles and Huberman model interactively. The results of the study show that the rahn contract is effective in providing quick and easy access to capital for farmers, supporting the smooth running of agricultural production activities, and contributing to increasing household economic stability. However, its implementation still faces obstacles in the form of low financial literacy, dependence on collateral assets, and limited access to services in rural areas.
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) Khairun Na'em; Maksum Muktie
Al-Musthofa: Journal of Sharia Economics Vol. 8 No. 2 (2025): Al Musthofa: 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
Homo Islamicus, Israf Control, And Impulse Buying: Financial Planning Mediation Among Muslim Paylater Users Indah Rahmatillah; Maksum
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 2 (2026): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i2.12824

Abstract

The expansion of Pay Later services has significantly increased the ease of consumption while simultaneously encouraging impulse buying behavior, particularly among Muslim consumers. This phenomenon reflects a discrepancy between contemporary consumption practices and Islamic economic values. This study aims to analyze the influence of homo islamicus understanding and israf control on impulse buying behavior, with financial planning acting as a mediating variable. This research adopts a quantitative approach using survey data collected from Muslim Pay Later users. The data were analyzed using mediation analysis techniques. The results reveal that israf control has a significant direct effect on impulse buying, while homo islamicus understanding does not directly influence impulse buying. However, both variables indirectly affect impulse buying through financial planning as a mediating variable.. These findings indicate that a stronger internalization of Islamic values, combined with effective financial management, can reduce impulsive and uncontrolled consumption behavior. This study emphasizes the importance of integrating Islamic ethical principles with financial literacy to encourage more responsible consumption behavior in the digital era.
Analysis of Cafe Customer Satisfaction from a Maqasid Syariah Perspective Maksum Maksum; Irvan Arisandi; Muktirrahman Muktirrahman; Nurul Huda
J-Mabes: Jurnal Manajemen, Akuntansi, Bisnis Dan Studi Ekonomi Syariah Vol 4 No 1 (2026): J-MABES
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/j-mabes.v2i2.575

Abstract

Backgound. Islamic-based cafes face dual responsibilities: achieving business success while implementing Islamic economic principles. Customer satisfaction in Islamic perspective encompasses not only material fulfillment but also spiritual dimensions based on maqasid sharia principles (hifz ad-din, an-nafs, al-'aql, an-nasl, al-mal). However, conventional satisfaction measurements often neglect these spiritual-ethical aspects, creating a gap in understanding holistic customer satisfaction in Islamic business contexts. Aim. This study examines the influence of service quality, price, and cafe atmosphere on customer satisfaction with purchase decision as a mediating variable at Kancakona Kopi Sumenep, integrating maqasid sharia perspective to provide comprehensive understanding of customer satisfaction in islamic cafe business. Methods. Quantitative research with 96 respondents analyzed using SEM-PLS SmartPLS 3.0 to test direct, indirect effects and mediation roles. Results. Price has the strongest influence on both purchase decisions and customer satisfaction, demonstrating successful implementation of Islamic pricing justice (qimah ᾱdilah) and bilateral wealth protection (hifz al-mal). Cafe atmosphere significantly affects purchase decisions, reflecting its role as a conducive Islamic environment (bi'ah solihah) supporting protection of intellect and soul (hifz al-'aql and hifz an-nafs). Service quality directly affects customer satisfaction, indicating that excellence of service (ihsan) manifests in post-consumption evaluation. Purchase decision partially mediates the relationships between price and satisfaction as well as atmosphere and satisfaction. From the maqasid sharia perspective, fair pricing and conducive atmosphere successfully transform into customer satisfaction through cognitive-evaluative processes embedded in purchase decisions, yet service excellence operates through direct achievement of holistic wellbeing (maslahah).
CEISE Model: Integrating Islamic Values and Community Engagement for Service Excellence in Baitul Mal Wa Tamwil Muktirrahman Muktirrahman; Maksum Maksum; Irtifatus Sholehah; Nurul Huda; Ishfaq Ahmed
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 12 No. 2 (2025): Vol. 12 No. 2 (2025)
Publisher : Universitas 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.
The Influence of Service Quality and Islamic Branding on Customer Loyalty: The Role of Consumer Trust Moderation in The Context of Islamic Business Afriana Dania; Maksum
Airlangga Journal of Innovation Management Vol. 7 No. 1 (2026): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v7i1.86485

Abstract

This study examines the influence of service quality and Islamic branding on customer loyalty, with consumer trust acting both as an independent variable and as a moderating variable in the context of Islamic fashion retail. Increasing competition in the Muslim fashion industry requires businesses not only to provide quality products but also to strengthen service performance, maintain credible Islamic branding, and build consumer trust to sustain long-term customer relationships. This research was conducted at Queen Hijab Store, a retail business specializing in modest fashion products targeting Muslim consumers. A quantitative research approach was applied using a survey method. Data were collected from customers of Queen Hijab Store through a structured questionnaire and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with the assistance of SmartPLS. The analysis aimed to examine the relationships among service quality, Islamic branding, consumer trust, and customer loyalty, as well as to evaluate the moderating role of consumer trust. The findings indicate that service quality and consumer trust play important roles in shaping customer loyalty. High service performance encourages repeat purchases and strengthens long-term relationships with customers. Consumer trust also enhances the influence of Islamic branding on loyalty, while Islamic branding alone is not sufficient to directly create strong customer loyalty. These results highlight the importance of integrating service excellence, credible Islamic values, and trustworthy business practices to maintain sustainable customer loyalty in the Islamic fashion retail industry.
EMPOWERING ELEMENTARY SCHOOL STUDENTS THROUGH WEBSITE-BASED ENGLISH LEARNING MEDIA Safira Fauziya; Muktirrahman Muktirrahman; Lufnah Lufnah; Faiqotul Bariroh; Mayzalatul Qomariyah; Maksum Maksum
Mitra Mahajana: Jurnal Pengabdian Masyarakat Vol. 7 No. 1 (2026): Volume 7 Nomor 1 Maret 2026
Publisher : LPPM Universitas Flores

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/mahajana.v7i1.6996

Abstract

This community service aims to empower elementary school students through the development and implementation of website-based English learning media using a participatory approach. English learning in elementary schools is still dominated by conventional methods that provide limited interactive learning experiences for students. This study employed Participatory Action Research (PAR) combined with the Asset-Based Community Development (ABCD) approach, conducted at Dungkek 1 Public Elementary School for four weeks. The stages included Discovery (local asset mapping), Dream (shared vision formulation), Design (learning website development), and Delivery (implementation and evaluation). A learning website was successfully developed with three main features: theory menu (eight parts of speech and tenses), learning video menu, and interactive games. Teachers gained a new understanding in utilizing digital media, while students showed high enthusiasm with increased active participation in learning. Pre-test and post-test results showed a 65% improvement in English material comprehension. The PAR-ABCD approach proved effective in empowering elementary school students through digital learning media, creating a sense of ownership of the program and ensuring sustainability of learning technology utilization.
Co-Authors Ach. Nuris Shobah Afriana Dania Alief Rifky, Nuzulul Alvina Mutia Hendarti Alviyatuz Zahiroh Amin, Moh. Abqoriyin Ana Toni Roby Candra Yudha Angrum Pratiwi Anjum, Rehana Anna Zakiyah Hastriana Atep Hendang Waluya Ciptia Khoirulina Sanawati Dwi Astuti, Sriyati Faiqotul Bariroh Fajariyah, Robiatul Fajariyah Fajriyah, Rini Nur Fajriyah hayatun Helmi, Moh. Hikmatul Maulidah, Hikmatul Maulidah Iftikhori, Ach. Ilwatina, Ilwatina Ina As'ary Indah Rahmatillah Irtifatus Sholehah Irvan Arisandi Ishfaq Ahmed Ishfaq Ahmed Izuddin, Muhammad Jamilah, Ismiyatul Jumaidah Khairun Na'em Khoiri, Moh. Miftahol Khovifa Lindarsi Farawangsa Khovifa Khovifa, Khovifa Lindarsi Farawangsa Lufnah Lufnah Mayzalatul Qomariyah Mohammad Takdir Muayyad, Ubaidullah Muhaimin, Hasbi Al Muktirrahman Muktirrahman Muktirrahman Muktirrahman Muktirrahman Mutia Hendarti, Alvina Nasrudin, Muhamad Nurdiana, Fitri Nurul Huda Nurul Huda Nurul Huda Nurul Huda Nurul huda Nurul Huda Rianto Anugerah Wicaksono Rustam Rustam Safira Fauziya 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 Syifatullaili Syifatullaili Tajus Subqi Tsabit, Ahmad Majdi Wijayanti, Ida Zahroh, Fatimatus