Articles
<![CDATA[SKBDN Products: Implementation of Sharia Compliance in Bank Syariah Indonesia ]]>
<![CDATA[Mawadah, Sokhikhatul]]>
<![CDATA[ AL-ARBAH: Journal of Islamic Finance and Banking Vol 6, No 1 (2024) ]]>
Publisher : <![CDATA[Universitas Islam Negeri (UIN) Walisongo Semarang ]]>
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DOI: 10.21580/al-arbah.2024.6.1.20988
<![CDATA[Purpose - The aim of this research is to find out how BSI's sharia compliance applies to SKBDN (Domestic Letter of Credit) products.Method - This research is qualitative research. The data used is primary data originating from interviews with BSI employees. Secondary data was obtained from books, journals and previous research.Result - The results of the research state that the implementation of BSI Semarang City Sharia Compliance in SKBDN, namely BSI has implemented sharia compliance based on maqashid sharia, including: 1). Ad-dien: BSI is guided by the Koran, Hadith and other Islamic laws in carrying out all its operational systems and products. 2). an-nafs: SKBDN services involve several parties, including customers, BSI and goods providers. This is where it is important for the parties to be trustworthy. 3). al-aql: BSI participates in educating customers (provides education on every bank product to customers through seminars and training). 4). an-nasl: caring for offspring, BSI guarantees that customer funds come from halal funds which have a good impact on the family and descendants and 5). al-mal: BSI takes profit from the services of implementing SKBDN services through fees charged.Implication - This research explores Islamic values, with sharia maqashid indicators in sharia banking, especially in SKBDN products. It is hoped that service in sharia banking will be better and more customers (applicants) will choose SKBDN products in sharia banking.Originality - This article examines sharia compliance of sharia banks using the maqashid sharia approach. SKBDN applicants are more aware and comfortable choosing SKBDN services in sharia banking.]]>
<![CDATA[IMPLEMENTASI MUZARAAH DALAM MENINGKATKAN KESEJAHTERAAN PETANI BAWANG MERAH DI KABUPATEN BREBES ]]>
<![CDATA[Mawadah, Sokhikhatul]]>
<![CDATA[ Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi Vol 8, No 2 (2023): November 2023 ]]>
Publisher : <![CDATA[Universitas PGRI Semarang ]]>
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DOI: 10.26877/ep.v8i2.13539
<![CDATA[Tujuan penelitian ini adalah untuk mengetahui apakah ada ketimpangan tingkat kesejahteraan antara pemilik lahan dengan pengolah lahan. Data didapat dari wawancara kepada petani bawang merah di kabupaten Brebes baik sebagai pemilik lahan mauoun sebagai penggarap lahan. Hasil penelitian ini yaitu implementasi sistem muzaraah yaitu menerapkan sistem kerja sama atau bagi hasil dengan istilah mara. Mara yaitu bagi hasil antar petani penggarap dengan pemilik lahan. sistem mara yang sering dipakai adalah mara 8 dan mara 10. Pendapatan petani bawang merah naik dan selalu untung setelah menggunakan sistem muzaraah yang dikenal dengan istilah mara. Petani bawang merah di Kabupaten Brebes yang menerapkan sistem muzaraah mengalami kesejahteraan. Dibuktikan dengan total penerimaan yang lebih besar daripada total biaya dan analisis imbangan penerimaan dan biaya atau R/C yang lebih dari 1. Diketahui R/C petani bawang merah di Kabupaten Brebes adalah sebesar 1,53. Ini berarti setiap 1 rupiah biaya yang dikeluarkan dalam usahatani bawang merah akan diperoleh penerimaan sebesar 1,53 rupiah. Nilai R/C rasio yang lebih dari satu menunjukkan bahwa usahatani bawang merah di Kabupaten Brebes layak untuk diusahakan dan dikembangkan. Ukuran kesejahteraan yang dipakai adalah dari tingkat pendapatan yang terdiri dari analisis pendapatan usaha tani dan analisis imbangan penerimaan dan biaya.Kata Kunci: muzaraah, kesejahteraan, pendapatan, penerimaan biaya]]>
<![CDATA[The Effect of Interest, Religious Stimuli, and the Consumer’s Trust on the Digital Al Qur’an Purchase ]]>
<![CDATA[Sokhikhatul Mawadah]]>;
<![CDATA[Nurudin]]>
<![CDATA[ International Journal of Islamic Business and Economics (IJIBEC) Vol 2 No 2 (2018): Volume 2 Nomor 2 Tahun 2018 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/ijibec.v2i2.1307
<![CDATA[Tigaraksa Satria branch of Semarang, is a company which runs the digital Al Qur’an product as one of its type of business’s engagement. One of the digital Al Qur’an to be sold is Mushaf Grand Maqomat. PT. Tigaraksa Satria also produces Mushaf for Woman and Mushaf Maqomat for Kids. Among these three Mushaf, Mushaf Grand Maqomat−has the less selling. This study is expected to measure and analyzing the effect of interest, religious stimuli, and consumers’ trust on the decision to purchase digital Al Qur’an. It is suspected that variable of religious stimuli has the most dominant effect to the consumers. The population in this study are the current consumers of digital Al Qur’an on PT Tigaraksa Satria. The result of this study indicates that variable of interest has significant effect on the purchasing’s decision. This is resulted on p−value (sig) that is 0.001 under 0.05, the variable of stimuli hassignificant effect on purchasing decision indicated by 0.755 as the p−value (sig) above 0.05. Whilst, the most dominant variable that inßuences buyers in purchasing Al Qur’an is the religious stimuli, accordingly to the researcher’s hypothesis that states religious stimuli is the most dominant variable.]]>
<![CDATA[Management of Hajj Funds in Sukuk Investment from an Islamic Economic Perspective ]]>
<![CDATA[Maulana, M. Rifka]]>;
<![CDATA[Mawadah, Sokhikhatul]]>
<![CDATA[ International Conference on Islamic Economic (ICIE) Vol. 2 No. 1 (2023): April ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan ]]>
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DOI: 10.58223/icie.v2i1.204
<![CDATA[One of the impacts of the Covid-19 pandemic is the cancellation of Hajj departures in Indonesia in 2020, based on the Decree of the Minister of Religion (KMA) Number 494 of 2020. The delay in the departure of the Hajj even though the more pilgrims register for Hajj, the more funds will be received. Banks cannot manage that much haj funds, so they are stored in state sukuk. Hajj funds are managed in State Sharia Securities (SBSN) or State Sukuk by the Ministry of Religion through the Hajj Management Financial Management Agency (BPKH). How is the management of Hajj funds on state sukuk, is it effective or not. This research is a qualitative research with literature study. The results of this study are that the mechanism for managing Hajj funds begins with the way pilgrims register and pay. After the funds have been collected, the BPKH manages the money through each congregation's account at the bank. Fund management exists in several placements, one of which is sukuk. Placement in this sukuk is good but not optimal when viewed from the yields obtained, but when viewed from the risks faced, this sukuk investment is very effective. Research can be used as a reference source for parties who need information about the management of Hajj funds, especially for pilgrims who are waiting for the pilgrimage to depart.]]>
<![CDATA[Does the halal label of Lemonilo instant noodles matter to students? ]]>
<![CDATA[Saadah, Ni’matus]]>;
<![CDATA[Mawadah, Sokhikhatul]]>;
<![CDATA[Fauzi, Muhammad]]>
<![CDATA[ Asian Journal of Islamic Management (AJIM) VOLUME 5 ISSUE 2, 2023 ]]>
Publisher : <![CDATA[Faculty of Business & Economics, Universitas Islam Indonesia ]]>
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DOI: 10.20885/AJIM.vol5.iss2.art4
<![CDATA[Purpose – This study aimed to determine the influence of the Korean wave, brand ambassadors, and halal label on the purchasing decisions of Lemonilo instant noodles.Methodology – This study uses quantitative research methods. Using a purposive sampling technique, the research sample comprised 72 students from a management study program at UIN Walisongo Semarang. Descriptive statistical analysis, a validity test, a reliability test, a classical assumption test, multiple linear regression analysis, and hypothesis testing were used.Findings – The Korean wave variable positively and significantly influenced purchasing decisions. By contrast, brand ambassadors and halal label had an insignificant effect on the purchasing decisions of Lemonilo instant noodles among students of the Management Study Program at UIN Walisongo Semarang.Implications – Literacy of the halal label among the student community needs to be enhanced to understand that the halal label is an essential aspect in deciding food consumption. Additionally, it needs to be understood that the Korean wave is not always in line with Islamic values; therefore, an understanding of the halal label is necessary within the young community familiar with the Korean wave..Originality – This study aims to determine the extent of the influence of the Halal label on students in Islamic institutions regarding their decision to purchase Korean instant noodle products]]>
<![CDATA[OPTIMALISASI MEDIA SOSIAL TIKTOK UNTUK BISNIS ONLINE IBU RUMAH TANGGA DI MASA PANDEMI COVID 19 ]]>
<![CDATA[Nur Huda]]>;
<![CDATA[Kurnia Setyoningrum]]>;
<![CDATA[Sokhikhatul Mawadah]]>;
<![CDATA[Nihayah, Ana Zahrotun]]>
<![CDATA[ BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 7 No. 2 (2025): BUDIMAS : Jurnal Pengabdian Masyarakat ]]>
Publisher : <![CDATA[LPPM ITB AAS Indonesia Surakarta ]]>
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DOI: 10.29040/budimas.v7i2.14671
<![CDATA[Tiktok is one of social media which describe only used for dancing and entertainment, and then now Tiktok not only used for that but can be used as a selling medium. The Tiktok application can be linked to the tiktok seller application or the tiktok shop so that personal accounts can also be used to sell. During the pandemic, housewives can use tiktok to increase their income. Housewives who have or don't have an online business can use tiktok social media to increase their income. Through community service work, we organize training, practice and mentoring for housewives to do business online using social media Tiktok. The service starts from providing technical guidance, assisting practice as well as monitoring and evaluation. The housewives we accompany are able to link their personal accounts to the seller's tiktok account, can fill in all the necessary data and can add a yellow basket to the uploaded video. If the personal tiktok account already has a yellow basket, then this community service is called successful. Furthermore, housewives who take part in this optimization activity can sell using their tiktok account. Although successful, there are still many obstacles faced including: the number of followers is still small, product categories are still few to be inputted and the quality of the video still needs a lot of improvement in order to be watched or get a lot of views.]]>
<![CDATA[TRANSFORMASI PERAN INSPEKTORAT DAERAH KOTA TEGAL DARI AUDITOR KE KONSULTAN: IMPLEMENTASI FUNGSI ADVISORY SERVICES PADA OPD ]]>
<![CDATA[Hikmah Prihatin]]>;
<![CDATA[Wati Febriyanti]]>;
<![CDATA[Nashwa Maulidya Salsabila]]>;
<![CDATA[Sokhikhatul Mawadah]]>
<![CDATA[ Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Vol. 3 No. 3 (2026): Mei ]]>
Publisher : <![CDATA[Publikasi Inspirasi Indonesia ]]>
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DOI: 10.62017/jimea.v3i3.7541
<![CDATA[Reformasi birokrasi mendorong Inspektorat Daerah sebagai Aparat Pengawasan Intern Pemerintah (APIP) untuk bertransformasi dari peran watchdog menjadi mitra strategis bagi Organisasi Perangkat Daerah (OPD). Penelitian ini bertujuan untuk menganalisis implementasi fungsi advisory services pada Inspektorat Daerah Kota Tegal dalam konteks transformasi perannya dari auditor ke konsultan. Metode yang digunakan adalah penelitian kualitatif deskriptif berdasarkan data dokumen kelembagaan, Renstra 2025–2029, dan Renja 2026 Inspektorat Daerah Kota Tegal. Hasil penelitian menunjukkan bahwa fungsi advisory service telah terinstitusionalisasi melalui tiga program utama, dengan Program Perumusan Kebijakan, Pendampingan, dan Asistensi sebagai sarana utamanya. Inovasi “Warung Konsultasi Pengawasan APIP Kota Tegal” (WARKOPE APIP) menjadi bukti konkrit pergeseran orientasi dari pendekatan reaktif-represif menuju proaktif-preventif. Inspektorat Daerah Kota Tegal telah mencapai kapabilitas APIP Level 3 yang secara resmi memungkinkan pelaksanaan layanan konsultatif. Namun, masih terdapat tantangan berupa stigma watchdog, keterbatasan sumber daya manusia, dan potensi konflik objektivitas. Penelitian ini menyimpulkan bahwa transformasi peran Inspektorat Daerah Kota Tegal sudah berjalan secara normatif dan struktural, meskipun masih memerlukan penguatan kapasitas dan perubahan persepsi secara menyeluruh untuk mewujudkan advisory services yang optimal.]]>
<![CDATA[STUDI EKONOMI SYARIAH TENTANG PERUBAHAN PP NO 46 TAHUN 2013 KE PP NO 23 TAHUN 2018 ]]>
<![CDATA[Mawadah, Sokhikhatul]]>
<![CDATA[ EQUILIBRIUM Vol 7, No 1 (2019): EQUILIBRIUM ]]>
Publisher : <![CDATA[Prodi Ekonomi Syariah Pascasarjana IAIN Kudus ]]>
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DOI: 10.21043/equilibrium.v7i1.5219
<![CDATA[ Micro, Small and Medium Enterprises (MSMEs) are one of the drivers of the Indonesian economy. The MSME sector is proven to be able to survive in the midst of the economic crisis in Indonesia. At present, the growth of MSMEs from year to year continues to increase. The more rapid development of MSMEs in Indonesia will cause more contribution to the receipt of the country's Gross Domestic Product. This is where MSMEs become a sector that will have a large potential in the amount of tax revenue. The tax incentive policy for MSMEs previously regulated in Government Regulation Number 46 of 2013 provided that the final tax rate imposed on MSMEs is 1 percent of gross income. However, at present, the regulation has been amended and replaced with Government Regulation Number 23 of 2018, where the final tax rate for MSME players is only 0.5 percent of gross income. If viewed from a sharia economic perspective, a decrease in taxes is a form of government justice for MSME actors, because basically businesses run by MSMEs do not always bring profits, so that a high tax rate can burden them. This is in accordance with the general goal of implementing the economic system, namely to realize prosperity and peace for the entire community. This study aims to provide a critical review of how much the effect of changes in PP on final income tax rates for MSMEs is seen from the literature review involving several Islamic elements. The methodology in this study is qualitative descriptive. Discussion refers to previous research and results from literature studies..]]>
<![CDATA[Pedagang Tradisional Sebagai Pelaku UMKM Mitra Usaha BMT Walisongo dalam Pembiayaan Produktif ]]>
<![CDATA[Mawadah, Sokhikhatul]]>
<![CDATA[ BISNIS Vol 7, No 1 (2019): Bisnis: Jurnal Bisnis dan Manajemen Islam ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sunan Kudus ]]>
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DOI: 10.21043/bisnis.v7i1.5189
<![CDATA[The purpose of this study is to analyze how the role of BMT Walisongo is a provider of productive financing as a business partner for traditional merchant MSME in the Mijen market in terms of capital. Average traditional traders from the middle to lower classes, so they have not been able to overcome the problems of the needed capital. On the other hand the role of BMT in providing productive financing has very good potential for economic development, especially in the development of jobs for small and medium-sized communities, so as to be able to provide benefits that can be felt by the surrounding community. This study using descriptive qualitative methods by studying two sources, namely primary data and secondary data.]]>
<![CDATA[Does Profitability Mediate the Relationship between Financial Characteristics and Firm Value? Evidence from Islamic Capital Markets ]]>
<![CDATA[Sokhikhatul Mawadah]]>;
<![CDATA[Muhammad Firman Khoiruddin]]>;
<![CDATA[Dessy Noor Farida]]>
<![CDATA[ Journal of Islamic Economics Management and Business (JIEMB) Vol. 8 No. 1 (2026): April ]]>
Publisher : <![CDATA[Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang ]]>
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DOI: 10.21580/jiemb.2026.8.1.29826
<![CDATA[This study aims to analyze the effect of liquidity, leverage, and company size on company value with profitability as an intervening variable. This study focuses on companies listed on the Jakarta Islamic Index (JII) for the 2021-2023 period. The research method uses a quantitative approach with a purposive sampling technique, resulting in 18 companies as samples. Data analysis was carried out using multiple linear regression and the Sobel test to test the mediation effect. The results of the study indicate that liquidity has no significant effect on company value, leverage has a significant negative effect on company value, and company size has a significant positive effect on company value. Profitability is proven to mediate the relationship between leverage and company value, but does not mediate the relationship between liquidity and company size and company value.]]>
