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All Journal Jurnal Pendidikan Vokasi Shirkah: Journal of Economics and Business Journal of Aquaculture and Fish Health JIEB : Jurnal Ilmiah Ekonomi Bisnis Bertuah : Jurnal Syariah dan Ekonomi Islam Tsaqafatuna: Jurnal Ilmu Pendidikan Islam Jurnal Relevansi : Ekonomi, Manajemen dan Bisnis Idarotuna : Jurnal of Administrative Science Tasharruf: Journal of Islamic Economics and Business Journal of Islamic Education Counseling Revenue : Jurnal Ekonomi Pembangunan dan Ekonomi Islam Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Moderasi : Journal of Islamic Studies Jurnal Serambi Ekonomi dan Bisnis Revenue Journal: Management and Entrepreneurship Maslahah: Jurnal Manajemen dan Ekonomi Syariah JEBD Neraca Manajemen, Akuntansi, dan Ekonomi Assyfa Journal of Islamic Studies JGEN : Jurnal Pengabdian Kepada Masyarakat Proceeding of International Conference on Humanity Education and Society Seroja Husada: Jurnal Kesehatan Masyarakat PENG: Jurnal Ekonomi dan Manajemen Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Tasharruf : Journal of Islamic Economics and Business Jurnal Ekonomi Syariah Ekopedia: Jurnal Ilmiah Ekonomi Jurnal of Islamic Economic Studies Cashless
Saiful Bakhri
Sekolah Tinggi Agama Islam Salahuddin Pasuruan, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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Transformasi Wakaf Tunai dalam Mewujudkan Kesejahteraan Sosial: Analisis Potensi dan Strategi Pendayagunaan Produktif Bakhri, Saiful
Moderasi : Journal of Islamic Studies Vol. 3 No. 2 (2023): December
Publisher : Lajnah Ta'lif wan Nasyr Nahdlatul Ulama (LTN-NU) Kabupaten Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/moderasi.v3i2.2

Abstract

 Waqf serves as a pivotal social finance instrument within Islamic teachings, aimed at optimizing the economic potential and benefits of assets for both religious purposes and public welfare. As home to the world’s largest Muslim population—approximately 237.55 million people—Indonesia possesses immense potential for waqf fund accumulation. However, the development of waqf remains suboptimal and inadequately socialized due to several critical factors. These include a stagnant public understanding of waqf and the prevalence of traditional management practices among nazhirs (waqf managers). Consequently, waqf has yet to significantly impact poverty reduction or bridge the economic inequality gap in the country. If Indonesia successfully optimizes this vast waqf potential, particularly through cash waqf, social prosperity and national economic stability would be more effectively guaranteed.
Relevansi Prinsip Efisiensi Dan Distribusi Fiskal Abu Yusuf Dalam Kebijakan Fiskal Indonesia: Analisis Komparatif Terhadap Era Purbaya Yudhi Sadewa Hanum, Fathmah; Yazid, Muhammad; Musfiqoh, Siti; Bakhri, Saiful
Moderasi : Journal of Islamic Studies Vol. 5 No. 2 (2025): Desember
Publisher : Lajnah Ta'lif wan Nasyr Nahdlatul Ulama (LTN-NU) Kabupaten Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/moderasi.v5i2.160

Abstract

This study analyzes the relevance of Abu Yusuf's fiscal thought in the context of contemporary Indonesian fiscal policy, particularly during Purbaya Yudhi Sadewa's tenure as Minister of Finance. Indonesia faces a budgetary dilemma between spending efficiency and equitable distribution of fiscal burdens. Through Kitab al-Kharaj, Abu Yusuf offers a conceptual framework that balances economic efficiency with social justice in public financial management. This research employs a qualitative method with a library research approach, analyzing primary sources including Kitab al-Kharaj and secondary sources comprising policy documents and academic literature. Analysis is conducted comparatively-descriptively through three stages: concept identification, principle comparison, and relevance evaluation. Findings reveal fundamental alignment between Abu Yusuf's principles and Purbaya's policies regarding budget allocation efficiency, subsidy control, and welfare orientation. Both approaches emphasize transparency, accountability, and proportionality in state financial management. However, implementing Abu Yusuf's principles in Indonesia still faces structural challenges including inter-regional fiscal distribution inequality, weak accountability enforcement, and minimal ethical dimensions in fiscal policy. This study recommends integrating classical Islamic economic values into Indonesian fiscal policy formulation to strengthen moral foundations and social justice.
Transformasi Digital dan Pengaruhnya terhadap Loyalitas Nasabah Bank Syariah Saiful Bakhri; Frida Auliya A
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 4 No. 4 (2025): Desember : Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/digital.v4i4.5382

Abstract

Digital transformation has become an essential strategy for Islamic banking institutions in improving service quality, operational efficiency, and customer experience. This study aims to analyze the influence of digital transformation on the loyalty of customers within Islamic banks in Indonesia. The research highlights how digital services such as mobile banking, online customer service, and automated sharia-compliant transaction systems affect satisfaction, trust, and long-term customer retention. Using a descriptive qualitative approach, this study reviews theoretical frameworks and previous empirical findings concerning technology adoption, service quality, and customer loyalty in the context of Islamic finance. The analysis demonstrates that effective digital transformation strengthens customer engagement by providing convenience, transparency, and accessibility aligned with sharia principles. Moreover, digital innovation enables Islamic banks to maintain competitiveness in an increasingly digital-driven financial landscape. The implications of this study emphasize the importance of continuous technological development, customer education, and system reliability to foster higher loyalty among Islamic banking customers. This article contributes to the growing literature on digitalization in Islamic finance and provides insights that may guide practitioners in enhancing customer-centered digital strategies.
Analisis Akad Murabahah pada Produk Pembiayaan Cicilan Emas di PT Bank Syariah Indonesia Kantor Cabang Pasuruan: Tinjauan Kepatuhan Syariah Berdasarkan Fatwa DSN-MUI No. 77/2010 Liatul Aini; Bakhri, Saiful
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 3 No. 02 (2025): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63216/al-ujrah.v3i02.529

Abstract

This study analyzes the implementation of the murabahah contract on gold installment financing products at PT Bank Syariah Indonesia (BSI) Pasuruan Branch Office. The research focuses on evaluating the conformity of the financing mechanism with sharia principles, especially regarding price determination, margin transparency, and the requirement of bank ownership over the gold before resale to customers. The analysis is based on the provisions of DSN-MUI Fatwa No. 77/DSN-MUI/VI/2010, which regulates non-cash gold transactions to prevent elements of riba, gharar, and speculation. The results indicate that the administrative procedures, financing requirements, and installment schemes implemented by BSI have fulfilled sharia compliance and operational standards. However, the study also finds challenges such as customers' limited understanding of the murabahah structure and margin mechanism. Overall, the murabahah contract implementation in gold installment financing at BSI Pasuruan demonstrates strong adherence to sharia principles and serves as an effective financing solution for the community.
Digital Innovation Strategies in Sharia Cooperative Business Transformation: Mobile App Impact on Financial Performance and Member Satisfaction Bakhri, Saiful; Rofiq, Aunur; Faizum, Dikril
Revenue Journal: Management and Entrepreneurship Vol 3 No 1 (2025): Revenue Journal: Management and Entrepreneurship (June)
Publisher : CV. Bimbingan Belajar Assyfa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61650/rjme.v3i1.479

Abstract

This study examines digital innovation strategies in the transformation of sharia cooperative businesses, focusing on the impact of mobile app implementation on financial performance and member satisfaction. A case study was conducted on KSPPS BMT UGT Nusantara, a microfinance sharia institution that has adopted digital technology in its services. Using a mixed-methods approach, the research analyzes data from in-depth interviews, member surveys, and institutional financial reports from 2018-2023. Findings reveal that adopting mobile apps significantly increased the cooperative’s fee-based income by an average of 15% annually since implementation. Factors such as ease of use, transaction security, and incentive programs play vital roles in technology adoption among members. However, challenges such as digital gaps across member generations and the need for improved digital literacy were identified. Member satisfaction analysis shows a 20-point increase in Net Promoter Score (NPS), indicating a positive impact of digital innovation on member loyalty. The study also reveals that digital transformation has driven operational efficiency, with a 5% decrease in the operating cost to operating income ratio (OER) over the last two years. This research contributes theoretically and practically to understanding the role of digital innovation in sharia cooperative business transformation. The findings highlight the importance of comprehensive digital strategies focused on technology adoption, member digital capability development, and business model adjustment. Managerial implications include recommendations for sustained technology investment, digital education programs for members, and data-driven service development to enhance the value proposition of sharia cooperatives in the digital era.
Decolonizing Environmental Communication Through Islamic Ethics: Media Framing of Green Economy and Greenwashing in Indonesia Mahsun, Moch; Bakhri, Saiful; Satriyo, Cindy Charisma
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol. 17 No. 1 (2025): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

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

Abstract

This research focuses on implementing digital media for Islam’s green economy and greenwashing. The research focuses on the decolonization of environmental communications. Using content from the three of the most prominent platforms Kompas.com, Detik.com, and TimesIndonesia.co.id and using the interpretive paradigm, purposive sampling of 45 articles from 2022-2024 on each platform disentangles the empirical evidence in the sustainability and greenwashing discourse in acting and using Islamic ethical concepts in the persuasive framework and communication of khalifah, mīzān, maqāṣid al-sharīʿah, and sadd al-dharīʿah. The ethical, albeit fractured, mediation of legitimizing the articulation of green and sustainable ethics is the function of the platforms. Kompas.com is Critical–Reformist in its jurisprudential orientation and Detik.com from within a social construct of ethical individualized responsibility, while Times from the Islamic green ethics realm is primarily rhetorical. These collectively address the instrumental Islamic ethics of modernization of development discourse. Islamic legal maxims, while being highly instrumental and greenwashing within its construct, tend to be selective, cautious, and restrictive. This study enriches the theorization of media and religion within the decolonial discourse paradigms of communication and rhetoric-ecology.
DECOLONIZING ENVIRONMENTAL COMMUNICATION THROUGH ISLAMIC ETHICS: MEDIA FRAMING OF GREEN ECONOMY AND GREENWASHING IN INDONESIA Mahsun, Moch; Bakhri, Saiful; Satriyo, Cindy Charisma; Yazid, Azy Athoillah
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol. 17 No. 1 (2026): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/alrisalah.v17i1.5437

Abstract

This research focuses on implementing digital media for Islam’s green economy and greenwashing. The research focuses on the decolonization of environmental communications. Using content from the three of the most prominent platforms Kompas.com, Detik.com, and TimesIndonesia.co.id and using the interpretive paradigm, purposive sampling of 45 articles from 2022-2024 on each platform disentangles the empirical evidence in the sustainability and greenwashing discourse in acting and using Islamic ethical concepts in the persuasive framework and communication of khalifah, mīzān, maqāṣid al-sharīʿah, and sadd al-dharīʿah. The ethical, albeit fractured, mediation of legitimizing the articulation of green and sustainable ethics is the function of the platforms. Kompas.com is Critical–Reformist in its jurisprudential orientation and Detik.com from within a social construct of ethical individualized responsibility, while Times from the Islamic green ethics realm is primarily rhetorical. These collectively address the instrumental Islamic ethics of modernization of development discourse. Islamic legal maxims, while being highly instrumental and greenwashing within its construct, tend to be selective, cautious, and restrictive. This study enriches the theorization of media and religion within the decolonial discourse paradigms of communication and rhetoric-ecology.
Readiness of graduate school educational support staff for digital-based distance education Bakhri, Saiful; Siswantoyo, Siswantoyo; Kuswandari, Eny; Amironah , Siti; Widiastuti, Siwi; Susetyaningsih, Ririn; Ramadan, Syahri; Mustikaningtyas, Andhita
Jurnal Pendidikan Vokasi Vol. 15 No. 3 (2025): November
Publisher : ADGVI & Graduate School of Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jpv.v15i3.95751

Abstract

Digital transformation and the implementation of distance education require the readiness of educational support staff as key enablers of technology-based academic services, particularly in the context of vocational and applied higher education. This study aims to analyze the readiness of educational support staff in supporting digital-based distance education in terms of digital literacy, understanding of distance education policies, and the capacity to manage online learning systems. The study employed a descriptive sequential explanatory mixed-methods design. Quantitative data were collected through a Likert-scale questionnaire administered to educational support staff, while qualitative data were obtained through semi-structured interviews. The results indicate that 65% of educational support staff demonstrated moderate to good levels of digital literacy, 60% showed a moderate level of understanding of distance education policies, and only approximately 55% exhibited optimal readiness in managing online learning systems. Qualitative findings reveal that limited access to continuous professional training, diverse educational backgrounds, and uneven institutional support constitute the main barriers to staff readiness. This study concludes that the readiness of educational support staff needs to be systematically strengthened to ensure the effectiveness and sustainability of digital academic services and distance education.  The contribution of this study lies in providing empirical evidence to support capacity-building strategies and institutional policies aimed at strengthening human resource readiness for digital transformation in vocational and applied higher education.
Penguatan Ekonomi Kreatif Masyarakat Melayu Melalui Diversifikasi Produk Kopi: Untuk Peningkatan Daya Saing Global Ishak, Khodijah; Selamat, Muhammad Isa; Heryadi, Heryadi; Sari, Yetma; Hidayah, Nurul; Rahma, Tria; Ramadhan, Riski; Rahim, Hainnuraqma; Bakhri, Saiful; Hassanee, Narong; Rosidi, Rosidi; Wahyudi, Winarto Eka
JGEN : Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 1 (2026): JGEN : Jurnal Pengabdian Kepada Masyarakat, Februari 2026
Publisher : Lumbung Pare Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60126/jgen.v4i1.1496

Abstract

Diversifikasi produk kopi merupakan upaya pengembangan varian produk kopi dengan inovasi rasa, kemasan, dan metode pengolahan guna menciptakan nilai tambah serta meningkatkan daya saing produk kopi di pasar lokal maupun internasional. Pengabdian masyarakat ini bertujuan memperkuat ekonomi kreatif masyarakat Melayu melalui pelatihan diversifikasi produk kopi sebagai strategi untuk meningkatkan kualitas dan daya saing produk kopi lokal. Metode pelaksanaan pengabdian menggunakan pendekatan Asset Based Community Development (ABCD) yang berorientasi pada pemberdayaan aset dan potensi lokal masyarakat. Tahapan pelaksanaan meliputi identifikasi aset, perencanaan visi bersama, perancangan program pelatihan, implementasi workshop dan praktik produksi, serta pendampingan berkelanjutan sampai evaluasi hasil produksi dan pemasaran. Hasil pengabdian menunjukkan peningkatan signifikan dalam kapasitas produksi dan inovasi produk kopi dengan varian cita rasa khas Melayu yang diterima positif oleh pelaku usaha dan konsumen. Selain itu, pelatihan pemasaran digital dan pengemasan ramah lingkungan berhasil memperluas akses pasar hingga tingkat nasional dan internasional. Kolaborasi multidisipliner antara perguruan tinggi dan komunitas memperkuat sinergi dalam transfer ilmu dan teknologi yang mendukung keberlanjutan usaha kopi berbasis ekonomi kreatif. Program ini memberikan kontribusi nyata dalam memperkuat posisi produk kopi lokal di pasar global sekaligus meningkatkan kesejahteraan masyarakat secara berkelanjutan.
Exploring the Shari'ah economic learning model through virtual learning: Initiatives and challenges Nursaid, Nursaid; Haanurat, A. Ifayani; Bakhri, Saiful; Rahman, Anisur
Assyfa Journal of Islamic Studies Vol. 2 No. 2 (2024): Assyfa Journal of Islamic Studies (December)
Publisher : CV. Bimbingan Belajar Assyfa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61650/ajis.v2i2.325

Abstract

The success of Sharia economics is contingent upon adhering to the principles of Islamic economics in all its actions. Because of this, it is essential to get a complete understanding through Sharia economic education, which covers many vital principles that greatly help the growth of national character education with an Islamic focus. Nevertheless, empirical evidence indicates that students must still strive to enhance their capacity to articulate and comprehend real-world phenomena and analyse solutions to societal issues through the lens of Sharia economics. The objective of this study is to develop a comprehensive Sharia economic learning model for students in the Department of Economic Education at the Muhammadiyah University of Jember. The model will enable students to accurately describe and analyse real-life phenomena and provide interpretations and solutions based on the principles of Sharia economics. The study methodology employed is a descriptive approach aimed at elucidating the research findings derived from the respondents and field observations, utilising both primary and secondary data sources. The research will extensively explore the findings related to comprehending Sharia economic material through a direct learning methodology. The article will also highlight the necessary efforts required to optimise the research's objectives.
Co-Authors A Ifayani Haanurat Abdussalam Adek Nuriya Ahmad Djalaluddin Akhmad Taufiq Mukti Amironah , Siti Ana Pratiwi Anisak Anisak Anisak Anisak1, Anisak Anjas Wulandari, Siti Pamrih AUNUR ROFIQ Aunur Rofiq Ayun, Qurrotal Dikril Faizun Dikril Faizun Dinna Intika Sari Eki Puspita Ariyanti Erisa Loviana Faizum, Dikril Fatah, Muchamad Iqbal Fathma Hanum Fathor Rozi Fatmah Hanum Firdaus, Salsabila Fi’satil Kamila Frida Auliya A Fuadah Johari Hainnuraqma Binti Rahim Hamidah Wakid Hanum, Fathma Hanum, Fathmah Hanum, Fatmah Hasnah Haron Hassanee, Narong Heryadi, Heryadi Hidayat, Ahmad Dani Taufik Hilda Sanjayawati Holisah, Jahirotul I Nyoman Budiono Ilham Wahyudi Irham Maulana, Moh. Ishak, Khodijah Kasuwi Saiban Khotibul Umam Konita Mardia Kuswandari, Eny Labibi, silda Liatul Aini Loviana, Erisa lutfiyah Mardliyyah Maulana, Moh Irham Maulana, Moh. Irham Mauliddiva, Aziza Misbahul Munir Misbahul Munir Mita Amelia Pratiwi Moch. Mahsun Mubarok, Ahmad Fauzan Muchamad Iqbal Fatah Muhammad Alwi Muhammad Alwi Muhammad Nur Kholis Muhammad Yazid Mustikaningtyas, Andhita Nadia Azalia Putri Ni’matush Sholihah Nur Aima Shafie Nur Asnawi Nur Jannah, Laila Nuril Aini NURUL HIDAYAH Nurul Khofifah, Nurul Pertiwi, Novi Dian putri ageng23 Rachmawati, Putri Yani Rahim, Hainnuraqma Rahma, Tria Rahman, Anisur Ramadan, Syahri Ramadhan, Riski Rosidi Rosidi Rozi, Fathor Sagita Martha Triyani Salsabila Firdaus Sari, Dinna Intika Sari, Yetma Satriyo, Cindy Charisma Selamat, Muhammad Isa Setyantini, Woro Hastuti silda Labibi Silda Labibi Siswantoyo Siti Hasanah Siti Ilfiah Siti Kadariah Siti Musfiqoh Siti Pamrih Anjas Wulandari Siwi Widiastuti Sulistyowati Sultan Hasanudin Sultan Hasanudin Susetyaningsih, Ririn WAHYUDI Winarto Eka Wahyudi, Winarto Eka Yazid, Azy Athoillah Yusuf Yusuf