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All Journal INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Indonesian Journal of Business Analytics (IJBA) Istithmar: Jurnal Studi Ekonomi Syariah Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah Welfare: Jurnal Pengabdian Masyarakat Wadiah: Jurnal Perbankan Syariah Al-Muhasib: Journal of Islamic Accounting and Finance
Rofik Efendi
Institut Agama Islam Negeri Kediri
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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Analisis Manajemen Pembiayaan Murobahah BMT Ryski Pebriana; Rofik Efendi
WADIAH Vol. 3 No. 1 (2019): Wadiah : Jurnal Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v3i1.3004

Abstract

The development of Islamic banking and Islamic financial institutions in Indonesia lately increasing. One reason is the strong belief in the Muslim community that banking and conventional financial institutions contain usury which is prohibited by Islam. The presence of Agritama Srengat Blitar BMT as Syari'ah savings and loans is intended to be a more innovative alternative in financial services, the financing process is also not complicated. The absence of an element of usury to Murabahah financing, and the ease of the process and conditions for financing, does not make more and more bad loans. The approach used in this research is a qualitative descriptive approach, while the type of research is field research, and the method of collecting data is observation, interview and documentation, which is using three steps, data reduction, file presentation and drawing conclusions.The results of this study indicate that: 1). Financing procedures at BMT Agritama Srengat Blitar use 5C analysis (character, capacity, capital, collateral, condition) and take into account a maximum radius of 10 km, but this does not apply to existing customers and customers who get recommendations from partners. 2). The implementation of Murabahah financing management has not been in accordance with the murabaha management function which includes planning, organizing, implementing, and controlling. Where the planning of murabahah financing is devoted to agriculture and animal husbandry, but in practice it is not appropriate, then in the implementation of murabahah financing using a wakalah contract it is signed together with murabahah. And the supervision conducted by BMT Agritama is not routinely visited to the place of business.
The Impact of The 2020 Health Crisis on Exchange Rates and Stock Prices in Indonesia : (Study on PT. Jasa Marga (Persero) Tbk.) Rofik Efendi; Yuliani; Sri Anugrah Natalina
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 3 No. 2 (2023)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic University Syekh Wasil of Kediri [UIN Syekh Wasil Kediri]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuhasib.v3i2.734

Abstract

The infrastructure sector during the health crisis had an impact by declining by around 12% until the end of 2020. One that can cause a decrease in stock prices is the exchange rate. PT Jasa Marga (Persero) Tbk. is one of the companies that showed active stock price activity during the health crisis period. The data sample of this study is to take daily data from exchange rates and stock prices during 2020 with a sample number of 242. Empirical results show that the correlation coefficient is -0.89, hence the relationship between the exchange rate and stock price is very strong and contradictory. Ha's partial test results were accepted and Ho was rejected, i.e. the exchange rate was partially significant and affected the stock price. The R square results of 79.8 percent that the exchange rate .
Construction of Ethical Religiosity as a Marketing Strategy for Maqoo Halal Products Z Generation Muslim Consumers in Jombang Rofik Efendi; Amir Maliki Abitolkha; Naser Ali Abdulghani
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol. 11 No. 2 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i2.7938

Abstract

Purpose:This study examines how Islamic religious streams in Jombang market halal Maqoo mineral water to Generation Z Muslims by reconstructing religiosity through the integration of ethical and economic values. The findings reveal that consumer engagement is shaped less by doctrinal obligation and more by an ethical economic synergy, offering new insights into Islamic marketing and consumerism.Design/Methodology:The study employs a qualitative method, drawing data from Maqoo halal water business actors within the Shiddiqiyah tarekat, its congregants, and randomly selected Generation Z Muslim consumers in Jombang. Chosen as the research locus for its pesantren culture and unique intertwining of spiritual authority and economic activity, Jombang provides a context to examine how ethical religiosity is constructed as younger Muslims negotiate between spiritual values and economic rationality in halal consumption.Findings:The research findings show that Maqoo's halal product marketing strategy integrates strong ethical religiosity values, aligned with the spiritual aspirations of Z Generation Muslim consumers. Ethical construction through educational, symbolic, and social approaches that emphasize aspects of blessing, social responsibility, and personal piety. Practical Implications:The implications of this study illustrate that Generation Z consumers are influenced not only by the halal quality and functional excellence of products, but also by social contributions and the reputation of the corporate brand.Originality/Value:This research highlights that the construction of religiosity in marketing is not merely an additional element but becomes the core of the product narrative, shaping consumers’ emotional and spiritual loyalty. The findings imply that the effectiveness of halal product marketing strategies for Muslim Generation Z depends on a brand’s ability to integrate ethical values, social responsibility, and authenticity in communication.
Co-Authors Abdulghani, Naser Ali Ahmad Saiful Anwar Akbar, Ahmad Riszki Al-Akhsan, Ahmad Ghaffar Amir Maliki Abitolkha Caspirosi, Loris Caspirosi Dijan Novia Saka Fani Ma’sumatul Maghfiroh Fikriyah, Ashfa Grahita Chandrarin Ilham Haq, Muhammad Alfasa Iskandar Tsani, Iskandar Ladia Ayu Sekar Sari Mada, Qonita Al Mahfudhotin, Mahfudhotin Maxion Sumtaxy Naser Ali Abdulghani Natalina, Sri Anugrah Natalina Nur Khasan Rahmawati, Afifah Suci Ryski Pebriana Saka, Dijan Novia Sari, Widya Ratna Shella Dwiyanti SRI ANUGRAH NATALINA Sri Anugrah Natalina Sri Anugrah Natalina Sri Anugrah Natalina, Sri Anugrah Subandono, Agus Sufirmansyah Sufirmansyah Wiwik Kusumaning Asmoro Wulandari, Afrilia Yuliani YULIANI Yuliani Yuliani Yuliani Yusnita Agustin Zahro’, Afi Faridatas