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Social Culture Analysis to Compare the Performance of Islamic Bank in Muslim-Majority Countries Masykuroh, Ely; Sudrajat, Anton; Abdullah, Umar
El-Barka Journal of Islamic Economics and Business Vol. 5 No. 2 (2022)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v5i2.5008

Introduction/Main Objectives: The implementation of Islamic teachings in economic activities cannot be separated from the socio-cultural influence of the local community. Thus, there are possible differences in the expression of Islamic teachings in the economic field, especially the practice of Islamic banks in the Countries of the Middle East region with Islamic banks in countries in the Southeast Asian region. Background Problems: This difference in practice can be caused by differences in the religious behavior of bankers and customers in terms of dimensions of knowledge, passion, practice and religious rituals that are influenced by the socio-cultural of each region so that it has an impact on the performance of each Islamic bank. Novelty: No comparative research on the performance of Islamic banks based on socio-cultural analysis has been found. Research Methods: this study was analyzed the performance of Islamic banks in the Middle East and Southeast Asia regions in 2015-2020 and analyze the relevance between banking performance and socio-culture in both regional groups. The research method used is a mixed quantitative and qualitative research method (Mix Method). Sampling techniques use purposive sampling. The sample in this study was the first Islamic banks established in those countries with the criterion that these banks present annual financial statements that have been audited by independent auditors. The analysis method uses quantitative methods: descriptive statistics, normality test, and Mann-Whitney U test as well as qualitative methods, namely analysis content. Finding/Results: Between Islamic banks in the Middle East and Southeast Asian countries in 2015-2020 there are differences in profitability performance, capital ratios, and liquidity, there is no difference in credit efficiency and effectiveness performance, there is relevance between socio-cultural differences and profitability performance, capital ratios, and liquidity between Islamic banks in the Countries of the Middle East and Southeast Asia regions, and there is no relevance between socio-cultural differences and the performance of credit efficiency and effectiveness between Islamic banks in the countries of the Middle East and Southeast Asia regions.

Analysis of the Indonesian Government's Efforts to Improve the World Ranking in SGIE (State of the Global Islamic Economy) in 2023 by Strengthening the Halal Value Chain Ecosystem and Digital Ecosystem Hasbullah, Baiq Liza Hayani; Elbadriati, Baiq; Masykuroh, Ely
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.191

This research aims to determine the efforts made by the Indonesian government to advance Indonesia as the centre of the world's Islamic economy through several things, namely strengthening the Halal value chain ecosystem and the digital ecosystem. This research uses descriptive qualitative methods, literature review type, with data collection methods through secondary data obtained from various scientific works such as journals and articles, as well as books and the internet. The research results show that the government has made many efforts to strengthen the Halal value chain and digital ecosystem by implementing appropriate policies and regulations, increasing human resources through training and mentoring, improving facilities and infrastructure, and marketing and campaigns related to halal food and halal tourism. And halal industry. These efforts have placed Indonesia in third place in the world in 2023 in the SGIE (State of the Global Islamic Economy). Keywords: SGIE, Halal value chain ecosystem, Halal food, Halal Tourism Economic creativity.

Building the Welfare of East Java Migrant Workers Through the Maqashid Syariah Approach in Economic and Social Empowerment Masykuroh, Ely; Supriati, Eny; Hariyanto, Wahid; Wibawanto, Alwan; Kolis, Nur
MUSLIM HERITAGE Vol 10 No 2 (2025): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v10i2.11917

East Java with 41.8 million people is the province that sends the highest number of migrant workers, especially from Malang, Bojonegoro, Lamongan, Kediri, and Ponorogo. Although female migrant workers contribute IDR 251.1 trillion in remittances (2024), they still face various social and spiritual problems. This study aims to analyze the welfare of female migrant workers from the perspective of Maqashid Syariah by reviewing the fulfillment of the five main dimensions of Hifdz ad-Din, Hifdz an-Nafs, Hifdz al-'Aql, Hifdz an-Nasab, and Hifdz al-Maal. Using a qualitative descriptive method with a comparative approach to understand the dynamics of the welfare of female migrant workers in four purposively selected districts, namely Ponorogo, Kediri, and Malang. Data were collected through in-depth interviews (including video calls for overseas informants), participatory observation, and documentation analysis. Data sources include migrant and ex-migrant workers, employees of the Manpower Office, lecturers, university LPPM teams, and written documents as secondary data. Data analysis uses the interactive model of Miles, Huberman, and Saldana which includes data condensation, data presentation, and conclusion drawing and verification at two levels of single case analysis and cross-case analysis. The results of the study show that the welfare of female migrant workers is only fulfilled in two aspects, namely Hifdz al-Maal (maintenance of property) and Hifdz al-'Aql (maintenance of reason). The other three aspects of Hifdz an-Nafs, Hifdz an-Nasab, and Hifdz ad-Din have not been fulfilled optimally and require serious attention through policies that are gender justice and based on maqashid values. The novelty of this research lies in the comprehensive analysis of the portrait of the welfare of female migrant workers using the concept of Maqashid Syariah Ash-Syatibi, which not only emphasizes economic aspects, but also the dimensions of education, family, security, and religious compliance. Abstrak Jawa Timur dengan 41,8 juta penduduk menjadi provinsi pengirim pekerja migran tertinggi, terutama dari Malang, Bojonegoro, Lamongan, Kediri, dan Ponorogo. Meski PMI perempuan menyumbang remitansi Rp251,1 triliun (2024), mereka masih menghadapi berbagai persoalan sosial dan spiritual. Penelitian ini bertujuan untuk menganalisis kesejahteraan pekerja migran perempuan dari perspektif Maqashid Syariah dengan meninjau keterpenuhan lima dimensi utama Hifdz ad-Din, Hifdz an-Nafs, Hifdz al-‘Aql, Hifdz an-Nasab, dan Hifdz al-Maal. Menggunakan metode deskriptif kualitatif dengan pendekatan komparatif untuk memahami dinamika kesejahteraan pekerja migran perempuan di empat kabupaten yang dipilih secara purposif, yaitu Ponorogo, Kediri, dan Malang. Data dikumpulkan melalui wawancara mendalam (termasuk panggilan video bagi informan di luar negeri), observasi partisipatif, dan analisis dokumentasi. Sumber data mencakup pekerja migran dan eks migran, pegawai Dinas Tenaga Kerja, dosen, tim LPPM perguruan tinggi, serta dokumen tertulis sebagai data sekunder. Analisis data menggunakan model interaktif Miles, Huberman, dan Saldana yang meliputi kondensasi data, penyajian data, serta penarikan dan verifikasi kesimpulan pada dua tingkat analisis kasus tunggal dan lintas kasus. Hasil penelitian menunjukkan bahwa kesejahteraan pekerja migran perempuan baru terpenuhi pada dua aspek, yaitu Hifdz al-Maal (pemeliharaan harta) dan Hifdz al-‘Aql (pemeliharaan akal). Adapun tiga aspek lainnya Hifdz an-Nafs, Hifdz an-Nasab, dan Hifdz ad-Din belum terpenuhi secara optimal dan memerlukan perhatian serius melalui kebijakan yang berkeadilan gender dan berbasis nilai maqashid. Kebaruan penelitian ini terletak pada analisis komprehensif potret kesejahteraan pekerja migran perempuan dengan menggunakan konsep Maqashid Syariah Asy-Syatibi, yang tidak hanya menekankan aspek ekonomi, tetapi juga dimensi pendidikan, keluarga, keamanan, dan kepatuhan beragama.

Building the Welfare of East Java Migrant Workers Through the Maqashid Syariah Approach in Economic and Social Empowerment Masykuroh, Ely; Supriati, Eny; Hariyanto, Wahid; Wibawanto, Alwan; Kolis, Nur
MUSLIM HERITAGE Vol 10 No 2 (2025): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v10i2.11917

East Java with 41.8 million people is the province that sends the highest number of migrant workers, especially from Malang, Bojonegoro, Lamongan, Kediri, and Ponorogo. Although female migrant workers contribute IDR 251.1 trillion in remittances (2024), they still face various social and spiritual problems. This study aims to analyze the welfare of female migrant workers from the perspective of Maqashid Syariah by reviewing the fulfillment of the five main dimensions of Hifdz ad-Din, Hifdz an-Nafs, Hifdz al-'Aql, Hifdz an-Nasab, and Hifdz al-Maal. Using a qualitative descriptive method with a comparative approach to understand the dynamics of the welfare of female migrant workers in four purposively selected districts, namely Ponorogo, Kediri, and Malang. Data were collected through in-depth interviews (including video calls for overseas informants), participatory observation, and documentation analysis. Data sources include migrant and ex-migrant workers, employees of the Manpower Office, lecturers, university LPPM teams, and written documents as secondary data. Data analysis uses the interactive model of Miles, Huberman, and Saldana which includes data condensation, data presentation, and conclusion drawing and verification at two levels of single case analysis and cross-case analysis. The results of the study show that the welfare of female migrant workers is only fulfilled in two aspects, namely Hifdz al-Maal (maintenance of property) and Hifdz al-'Aql (maintenance of reason). The other three aspects of Hifdz an-Nafs, Hifdz an-Nasab, and Hifdz ad-Din have not been fulfilled optimally and require serious attention through policies that are gender justice and based on maqashid values. The novelty of this research lies in the comprehensive analysis of the portrait of the welfare of female migrant workers using the concept of Maqashid Syariah Ash-Syatibi, which not only emphasizes economic aspects, but also the dimensions of education, family, security, and religious compliance. Abstrak Jawa Timur dengan 41,8 juta penduduk menjadi provinsi pengirim pekerja migran tertinggi, terutama dari Malang, Bojonegoro, Lamongan, Kediri, dan Ponorogo. Meski PMI perempuan menyumbang remitansi Rp251,1 triliun (2024), mereka masih menghadapi berbagai persoalan sosial dan spiritual. Penelitian ini bertujuan untuk menganalisis kesejahteraan pekerja migran perempuan dari perspektif Maqashid Syariah dengan meninjau keterpenuhan lima dimensi utama Hifdz ad-Din, Hifdz an-Nafs, Hifdz al-‘Aql, Hifdz an-Nasab, dan Hifdz al-Maal. Menggunakan metode deskriptif kualitatif dengan pendekatan komparatif untuk memahami dinamika kesejahteraan pekerja migran perempuan di empat kabupaten yang dipilih secara purposif, yaitu Ponorogo, Kediri, dan Malang. Data dikumpulkan melalui wawancara mendalam (termasuk panggilan video bagi informan di luar negeri), observasi partisipatif, dan analisis dokumentasi. Sumber data mencakup pekerja migran dan eks migran, pegawai Dinas Tenaga Kerja, dosen, tim LPPM perguruan tinggi, serta dokumen tertulis sebagai data sekunder. Analisis data menggunakan model interaktif Miles, Huberman, dan Saldana yang meliputi kondensasi data, penyajian data, serta penarikan dan verifikasi kesimpulan pada dua tingkat analisis kasus tunggal dan lintas kasus. Hasil penelitian menunjukkan bahwa kesejahteraan pekerja migran perempuan baru terpenuhi pada dua aspek, yaitu Hifdz al-Maal (pemeliharaan harta) dan Hifdz al-‘Aql (pemeliharaan akal). Adapun tiga aspek lainnya Hifdz an-Nafs, Hifdz an-Nasab, dan Hifdz ad-Din belum terpenuhi secara optimal dan memerlukan perhatian serius melalui kebijakan yang berkeadilan gender dan berbasis nilai maqashid. Kebaruan penelitian ini terletak pada analisis komprehensif potret kesejahteraan pekerja migran perempuan dengan menggunakan konsep Maqashid Syariah Asy-Syatibi, yang tidak hanya menekankan aspek ekonomi, tetapi juga dimensi pendidikan, keluarga, keamanan, dan kepatuhan beragama.

Efektivitas Pemberdayaan Ekonomi Keluarga Tunagrahita dalam Kerangka Sustainable Development Goals di Desa Karangpatihan Ponorogo Linatul Chariro; Aji Damanuri; Ely Masykuroh
Journal of Economics, Law, and Humanities Vol. 3 No. 1 (2024): Economics, Law, and Humanities
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/jelhum.v3i1.3019

This research was motivated by the phenomenon of a number of 96 residents in Karangpatihan Village who were mentally retarded or mentally retarded who were still dependent on consumer assistance, making it difficult to fulfill their daily needs. Field research using a qualitative approach. aims: 1) to analyze the implementation of economic empowerment for mentally retarded communities, 2) to analyze the factors inhibiting and driving the economic empowerment of mentally retarded families and the impact of empowerment in increasing the economic income of mentally retarded families, and 3) to analyze the effectiveness of economic empowerment for mentally retarded families in the Sustainable Development Goals concept in Karangpatihan Village, District Balong, Ponorogo Regency. The findings are: 1) Implementation of economic empowerment for mentally retarded families is carried out at the Rumah Harapan Mulya Social Welfare Institution (LKS) by carrying out various activities, such as training, skills and coaching. In implementing empowerment, there are obstacles faced, namely communication and the will of mentally retarded residents. 2) With this training, mentally retarded residents have activities and skills that can generate income. with 3 concepts, namely daily, quarterly and annual. 3) Based on measuring effectiveness using three approaches, namely the goal achievement approach, integration approach, and adaptation approach, the implementation of economic empowerment for mentally retarded families in improving the concept of Sustainable Development Goals in Karangpatihan village is running quite effectively. The existence of empowerment activities has implications for mentally retarded residents, namely: having income, having mobility abilities, and having participation in social life.

Pengaruh Islamic Branding dan Customer Relationship Marketing terhadap Loyalitas Nasabah dengan Kepuasan sebagai Variabel Intervening Diana Mutiara; Shinta Maharani; Ely Masykuroh
Journal of Economics, Law, and Humanities Vol. 3 No. 1 (2024): Economics, Law, and Humanities
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/jelhum.v3i1.3024

The development of the Sharia banking industry in the era of technology has forced all companies in the banking sector to be able to compete and have their competitive advantages. Company value and branding are very important. Increasing inactive customers in the research object is this study's main issue related to customer loyalty. This study aims to determine the effect of Islamic branding customer relationship marketing on customer loyalty through satisfaction as an intervening variable. The research object at BMT Hasanah Ponorogo uses a descriptive quantitative approach. The data used in this research is primary data with a total sample of 94 people. The hypothesis testing tools used are T, F, and path tests. The results showed that Islamic branding and customer relationship marketing partially and simultaneously influence customer loyalty. Customer satisfaction affects customer loyalty. Customer satisfaction can be an intervening variable for the partial effect of Islamic branding and customer relationship marketing on customer loyalty. Customer satisfaction can be an intervening variable for the simultaneous influence of Islamic branding and customer relationship marketing on customer loyalty.

Integrasi Program Rumah Baca Sang Petualang untuk Meningkatkan Kesejahteraan Masyarakat Wonogiri Miswanto Miswanto; Ely Masykuroh; Shinta Maharani
Journal of Economics, Law, and Humanities Vol. 3 No. 2 (2024): Economics, Law, and Humanities
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/jelhum.v3i2.4037

The issue of poverty is a major topic of discussion on sustainable development in Indonesia. The Central Statistics Agency (BPS) stated that the poor population was at 9.57 percent or equivalent to 26.36 million people. Another problem is the high unemployment rate. According to BPS, the percentage of open unemployment rate (TPT) reached 5.45 percent. Low level of education is one of the causes of the problem. In addition, employment is not proportional to the population. Skills of individuals and society need to be improved. One of the containers as a place of empowerment is the Reading GardenCommunity (TBM). Of the many TBMs in Indonesia, they tend to focus on empowerment programs in the field of education. This study analyzes the implementation of empowerment programs at Rumah Baca Sang Petualang in Wonogiri and its impact on the welfare of the local community. A qualitative approach was used in this study to explore information related to the integration of empowerment programs and involvement from various parties who play a role in it. The source of this research is from interviews with founders, administrators, members and communities who are part of the empowerment process. The results of this study, the integration of empowerment programs used is a combination of empowerment programs in the field of education, empowerment of small and medium enterprises, empowerment in the field of animal husbandry and empowerment in the field of handicraft business. The integration of applied programs has supporting and inhibiting factors. The supporting factors in question are the role of the government, the role of the private sector and supporting regulations. The inhibiting factors are public awareness, limited infrastructure and limited resources. The impact of integrating empowerment programs can change people's mindsets, create non-formal education, create business opportunities, increase community income and reduce negative environmental impacts. Of these effects do not contradict the maqashid al-sharia.

Pengelolaan Pariwisata Berbasis Komunitas di Sentono Genthong Pacitan Perspektif Maqāṣid Sharī‘ah Meri Anti Khusnawati; Ely Masykuroh; Amin Wahyudi
Journal of Economics, Law, and Humanities Vol. 4 No. 1 (2025): Economics, Law, and Humanities
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/jelhum.v4i1.4395

This research is motivated by the phenomenon of community-based management of Sentono Genthong Tourism, which has positively contributed to the transformation of the village from underdeveloped to advanced status, as well as creating employment opportunities in the tourism sector. However, there are emerging dynamics, such as dating activities within the religious tourism area, which raise concerns due to their contradiction with the principle of protecting lineage (ḥifẓ al-nasl) in maqāṣid sharī‘ah. This study is field research using a qualitative approach conducted at Sentono Genthong Tourism in 2023. Data were collected through interviews, observations, and documentation and validated using source, method, and time triangulation. The data analysis was conducted inductively through data reduction, presentation, and conclusion drawing. The findings show that, in general, tourism management has fulfilled the principles of community-based tourism, although there are still shortcomings in the aspect of cross-cultural learning. Seven out of eleven principles of community-based tourism are closely aligned with maqāṣid sharī‘ah, particularly in the elements of protecting religion (ḥifẓ al-dīn), intellect (ḥifẓ al-ʿaql), life (ḥifẓ al-nafs), and wealth (ḥifẓ al-māl). However, the aspect of protecting lineage has not been optimally achieved. In conclusion, while tourism management has been effective and aligns with Sharia principles in several elements, there is a need to strengthen social supervision and visitor education to uphold religious values in this sacred tourism site.

Model Inovasi Sosial Berbasis Maqāṣid al-Syarī‘ah pada Majelis Ta’lim An Nuriyah Bajawa, Nusa Tenggara Timur Fajriah, Nina Agustina; Prasetiyo, Luhur; Masykuroh, Ely
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i1.10236

This study aims to examine the social innovation model based on maqāṣid syarī‘ah that developed in the Majelis Ta’lim An Nuriyah Bajawa as a form of empowerment of the minority Muslim community. The approach used is qualitative with a case study type through in-depth interviews. The results of the study indicate that the Majelis Ta’lim An Nuriyah becomes a space for the formation of social innovation integrated with the values of maqāṣid syarī‘ah, including ḥifẓ al-dīn (protection of religion) through routine Islamic studies and education; ḥifẓ al-nafs (protection of the soul) through social activities and charity; ḥifẓ al-‘aql (protection of reason) through business digitalization training; ḥifẓ al-nasl (protection of offspring) through Islamic family education; and ḥifẓ al-māl (protection of wealth) through management of congregational funds based on sincerity and social benefits. The emerging social innovation is rooted in the spirit of togetherness, tolerance, and women's independence, while also reflecting the transformation of Islamic values in a pluralistic and dynamic social context. These findings enrich the literature on the integration of the maqāṣid shari'ah (Islamic principles) into faith-based community empowerment practices and offer a conceptual model of Islamic social innovation relevant to minority communities.

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