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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Ekonomi & Studi Pembangunan Falah : Jurnal Ekonomi Syariah Jurnal Ilmiah Ekonomi Islam JURNAL MANAJEMEN MOTIVASI Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal SOLMA Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Ihtifaz: Journal of Islamic Economics, Finance, and Banking Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Iqtishoduna: Jurnal Ekonomi Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah Budimas : Jurnal Pengabdian Masyarakat Ihtiyath : Jurnal Manajemen Keuangan Syariah JES (Jurnal Ekonomi Syariah Jurnal Pengabdian kepada Masyarakat Nusantara Journal of Economics Research and Social Sciences Forum Bisnis dan Kewirausahaan Entrepreneur : Jurnal Bisnis Manajemen dan Kewirausahaan Jurnal Abdimas Indonesia : Jurnal Abdimas Indonesia Jurnal Ar-Ribh Journal of Islamic Economic and Business Research Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Prosiding Seminar Nasional Program Pengabdian Masyarakat Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Proceeding ISETH (International Summit on Science, Technology, and Humanity) Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Prosiding Seminar Nasional Hasil-hasil Penelitian dan Pengabdian Pada Masyarakat Al-Khidmah : Jurnal Pengabdian Kepada Masyarakat Jurnal Studi Ekonomi dan Pembangunan Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah IECON: International Economics and Business Conference MAYARA: Jurnal Pengabdian Masyarakat BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Fathurrahman, Ayif
Universitas Muhammadiyah Yogyakrta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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The Role of Sharia Banking Towards Development of Micro, Small and Medium Enterprises (MSMEs) in Yogyakarta Fathurrahman, Ayif; Fadilla, Jihan
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2019: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/iseth.1418

Abstract

Purpose: This study aims to analyze the role of Islamic banking on the development of micro, small and medium enterprises (MSMEs) capital in Yogyakarta.Methodology: This test uses primary data obtained from the distribution of questionnaires with analysis tools using SPSS 20 software. The sampling method in this study used purposive sampling where 100samples were selected according to the research criteria. In this study using the sample criteria with microfinance customers in Islamic banking in Yogyakarta. The data analysis technique in this test is multiple regression analysis.Results: the results obtained in this test show that the variables of assistance, accessibility, and financing products have a positive and significant effect on capital development. However, the service variabledoes not have a positive and significant effect on MSMEs capital development in Yogyakarta. Thus,in order for the Islamic bank to improve service and customer satisfaction, it is necessary to increasefinancing, assistance, and accessibility. Even though in this study the service variable has no significan teffect, the related bank also needs to pay attention to service quality.
Peningkatan Kemampuan Dakwah Muballigh dan Gerakan Dakwah Jama’ah Di Lingkungan Pimpinan Cabang Muhammadiyah Banguntapan Selatan Bantul Ayif Fathurrahman
Jurnal SOLMA Vol. 12 No. 1 (2023)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v12i1.11239

Abstract

Background: Kegiatan PPM Muhammadiyah dilaksanakan di PCM Banguntapan Selatan, Bantul dengan target para anggoran korps muballig Muhammadiyah (KMM) yang tergabung dari beberapa pimpinan ranting Muhammadiyah (PRM) se-Banguntapan Selatan. Tantangan mubaligh Muhammadiyah di tingkat Ranting sangatlah kompleks. Mereka adalah kader-kader terbaik Muhammadiyah yang bertemu langsung kepada umat, yang langsung membimbing tanpa pamrih dengan berbagai macam problem. Metode: dilaksanakannya kegiatan pengabdian ini diantaranya adalah: 1) Memberikan Pelatihan Muballig se-wilayah Pimpinan Cabang Muhammadiyah Banguntapan Selatan Bantul.  2) Memberikan penyuluhan tentang pentingnya gerakan dakwah jama’ah di setiap Ranting sebagai unjuk tombak kekuatan Muhammadiyah. 3) Memberikan pelatihan dan pemahamam keislaman  yang sesuai dengan pandangan Muhammadiyah; 4) Memberikan pemahaman tentang peta dan strategi dakwah kontemporer. Hasil: Terjadinya efektifitas dakwah korps Muballig Muhammadiyah (KMM) PCM Banguntapan Selatan. Kedua, meningkatnya pemahaman tentang teori dan konsep tablig yang rahmatan lil alamin, universal dan inklusif. Kesimpulan: Pelaku UKM mampu meningkatkan penggunaan sosial media untuk Meningkatnya partisipasi mubballig Muhammadiyah dalam syiar, tabligh dan dakwah yang berdampak pada optimalisasi tabligh di daerah PCM Banguntapan Selatan
Paradigm Shift in Islamic Economic Education: Technological Inclusion of Local Wisdom in Indonesia Fathurrahman, Ayif
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.19332

Abstract

This article proposes a cultural turn in Islamic economics education by integrating local wisdom through the strategic use of educational technology. While Islamic economics has witnessed remarkable global growth since the establishment of the Islamic Development Bank in 1975, its educational frameworks remain dominated by normative and centralized paradigms—often neglecting the social and cultural realities of local Muslim communities. In multicultural nations such as Indonesia, local wisdom represents more than cultural identity; it embodies ethical traditions, economic practices, and communal values aligned with Shariah principles. Drawing on a normative-conceptual approach, this study highlights the epistemological gap within Islamic economics education and argues for the incorporation of kearifan lokal (local wisdom) as a foundational element of curricular design. Technologies such as AI-driven content personalization, ethnographic digital archives, multimedia storytelling, and community-based learning simulations are explored as transformative tools to preserve, contextualize, and disseminate local economic knowledge. These tools enable a more inclusive and adaptive educational model that not only reinforces the objectives of maqāṣid al-sharī‘ah, but also aligns with the lived realities and cultural imaginaries of diverse Muslim societies. By bridging the divide between global Islamic economic frameworks and local experiences, this article calls for a reorientation of pedagogy—one that is technologically inclusive, culturally grounded, and epistemologically restorative.
Efforts to Improve Cooperative Management at the KOPJAS (Pious Charity Cooperative) Institution Based on Islamic Values Rohmansyah, Rohmansyah; Fathurrahman, Ayif; Ahmadi, Ahmadi
TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Vol 6, No 1 (2026): April
Publisher : UNIVERSITAS MUHAMMADIYAH MATARAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/transformasi.v6i1.39026

Abstract

The problem faced by cooperatives is their poor service management, professionalism, and financial performance, which have not significantly impacted the existence of the cooperative and its members. Therefore, efforts are needed to improve knowledge about good cooperative management through community service in the form of training and mentoring. This community service aims to improve the management of the KOPJAS cooperative in managing its finances and services, so that it can progress and develop. The community service method used is a qualitative method with a training and mentoring model based on Islamic teachings. As a result, the management of the KOPJAS cooperative must be carried out professionally and responsibly in its services and finances, so that it can realize a cooperative that is advanced and developing in accordance with Islamic teachings. Many Quranic verses and Hadiths teach Islamic values, such as mutual assistance and helping those in need within a family. Through cooperatives, Islamic values can be applied in the form of excellent service management, financial management, and professionalism of management, in advancing the cooperative so that it can contribute more to society. The progress and development of cooperatives is evidenced by the establishment of charitable enterprises such as stalls, MSMEs, and others that support the increase in capital and profits of the cooperative and the welfare of its members and the community.
DETERMINAN KETIMPANGAN PENDAPATAN DI PULAU JAWA Fathurrahman, Ayif
Jurnal Studi Ekonomi dan Pembangunan Vol 4, No 1 (2026): VOLUME 4, NOMOR 1, FEBRUARI 2026
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/jsep.v4i1.31876

Abstract

Income inequality is a development problem that cannot be eliminated in developed or developing countries. The difference lies in the degree of inequality and how to overcome the problem. Java Island has a high level of inequality when compared with other islands in Indonesia. This research aims to analyze the factors that influence income inequality on the island of Java 2013-2021. The data used in this research is secondary data in the form oftime series 2013-2021 andcross section 6 provinces obtained from the Central Statistics Agency. The data analysis method used in this research is panel data regression analysis with a modelfixed effect on the program Eviews 10. The results of this study show that the GDP per capita variable has a positive and significant effect on income inequality, TPT has a positive and significant effect on income inequality, HDI has a negative and significant effect on income inequality, the poverty level has a negative and insignificant effect on income inequality.
Penyertaan Modal Pemerintah Daerah, Digitalisasi dan Kinerja Bank: Bukti Empiris dari Bank Pembangunan Daerah di Indonesia Retnaning Wulan; Ayif Fathurrahman; Ahmad Maruf
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.8826

Abstract

Regional government equity participation is a policy instrument to strengthen the role of Regional Development Banks (BPD) in supporting regional economic development. However, its effectiveness varies across BPDs, depending on their internal conditions, one of which is digitalization. This study aims to analyze the impact of regional government equity participation and digitalization on BPD performance and examine the role of digitalization in strengthening this role. The results show that regional government equity participation has a positive contribution to improving bank performance, and digitalization strengthens this role. These findings indicate that equity participation and digitalization together play a significant role in supporting the strengthening of BPD performance. Keywords: Local Government Capital Injections; Bank Digitalization; Bank Performance; Regional Development Bank
Profit and Risk for Property Business Using Sharia and Conventional System: A Comparative Analysis Zaini Muchlis; Ayif Fathurrahman
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 17 No. 1: June 2021
Publisher : Fakultas Studi Islam dan Peradaban, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v17i1.11325

Abstract

Sharia and conventional business management system are often become a parameter in gaining profit and managing the risk faced by the entrepreneurs. This research aims to determine the comparison of profit and risk obtained by the property entrepreneurs in conducting their business when they use conventional or sharia system. This research is qualitative descriptive analysis. The variables that would be investigated are the profit obtained by the property business owner and the risks in conducting this business when the business owner uses sharia and conventional system in the capital investment or the buying and selling process of a certain property unit. The data was collected through an interview and documents. The article shows that conventional and sharia are a concept or system that generally used by the entrepreneurs in conducting their business to obtain the profit and face the risks. Both of the systems have advantages and disadvantages. This article further argues that sharia system gives a higher profit and fewer risks rather than the conventional system. It is because in the sharia system, entrepreneurs or costumers are not concerned about the burden of the interest and fines of the debt from a financing institution. Although there are risks considered such as bad credit and longtime cash flow, the profit obtained through the sharia system is higher than the conventional one.
The Development Studies on Islamic Economic Education Based on Local Wisdom in Indonesia: A Multicultural Approach Ayif Fathurrahman
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 19 No. 1: June 2023
Publisher : Fakultas Studi Islam dan Peradaban, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v19i1.16624

Abstract

This article focused on the development of islamic economic education in Indonesia with a multicultural approach. It tries to reaffirm Islam's universal values and adjust them to local values that have long been entrenched in the midst of Indonesian multicultural society. This descriptive qualitative research used data sources from literature or library research. The normative approach was applied to examine the ideals of the Islamic Economic conception and then analyzed how it is applied. The result of this research regarding the urge to develop islamic economics based on a multicultural perspective: firstly, it is because of the emergence of the globalization era and postmodern culture. Secondly, the reality of Indonesian plurality, apart from syiar, is used to explore the local genius in socio-economic in Indonesia. Islamic economic education with a multicultural approach is a progressive approach to transform education that holistically provides criticism and shows the weaknesses of Islamic economic education. Islamic economic education based on local values as an instrument of social adjustment encourages the administrators of Islamic economics to play a role in instilling the awareness of the multicultural community to realize a level of comprehension of inclusive Islamic economics.
GRDP, Poverty, and Health Budget on Human Development in Riau: A Maqasid Al-Shariah Perspective Fathurrahman, Ayif; Ananda Fauziah Putri; Nurul Naqiliah Binti Nor Azman; Zulkifli, Siti Maryam Binti
Journal of Islamic Economic and Business Research Vol. 6 No. 1: June 2026
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v6i1.505

Abstract

This study examines the effect of Gross Regional Domestic Product (GRDP), poverty, and health expenditure on the Human Development Index (HDI) in Riau Province during 2016–2022, with an analytical perspective based on maqashid shari’ah. The study employs panel data consisting of time-series (2016–2022) and cross-sectional data from 12 districts/cities, analyzed using the Random Effect Model (REM). The results show that GRDP has a positive and statistically significant effect on HDI (β > 0; p < 0.05), indicating that regional economic growth contributes to improving human development outcomes. In contrast, poverty has a negative and significant effect on HDI (β < 0; p < 0.05), confirming that higher poverty levels hinder human development. Meanwhile, health expenditure does not have a statistically significant effect on HDI (p > 0.05), suggesting inefficiencies or misallocation in public health spending. From the maqashid shari’ah perspective, the positive role of GRDP aligns with the principle of maslahah (public benefit), while the negative impact of poverty reflects the importance of hifz al-maal (protection of wealth) in ensuring welfare. The insignificant effect of health expenditure indicates that the objective of hifz al-nafs (protection of life) has not been optimally achieved in regional policy implementation. The main contribution of this study lies in integrating empirical panel data analysis with an Islamic economic framework, particularly maqashid shari’ah, to provide a more comprehensive evaluation of human development determinants. The novelty of this research is its combined quantitative–normative approach, linking statistical findings with Islamic welfare objectives, which remains limited in regional development studies.
Masjidpreneur: Transformasi Masjid sebagai Pusat Ekonomi Umat dan Inkubator UMKM Berbasis Syariah Ayif fathurrahman
MAYARA: Jurnal Pengabdian Masyarakat Vol. 4 No. 1 (2026): Januari-April
Publisher : Yayasan Miftahul Ulum Sangatta Kutai Timur (KEP. MENKUMHAM RI No. AHU-0014779.AH.01.04.Tahun 2018) bekerjasama dengan Jurusan Tarbiyah STAI Sangatta Kab. Kutai Timur.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71382/mayara.jurn.peng.masy..v4i1.365

Abstract

This community service initiative is based on the suboptimal role of Muhammadiyah mosques as centers of economic empowerment for the ummah, as they are still predominantly focused on ritual functions. Historically, however, mosques have played a strategic role in strengthening the socio-economic fabric of society. In PCM Banguntapan Selatan, the potential of congregants’ micro, small, and medium enterprises (MSMEs) is quite significant, yet it has not been integrated into a mosque-based economic ecosystem. Therefore, the Masjidpreneur program was designed to transform the mosque into a sharia-based center for community economic empowerment. The approach employed is Participatory Action Research (PAR), implemented through stages including needs identification, program formulation, sharia-based entrepreneurship training, MSME mentoring, strengthening mosque economic management, as well as monitoring and evaluation. This approach emphasizes the active participation of both congregants and mosque administrators. The results of the program indicate a transformation in the mosque’s function into a center for economic empowerment, an increase in the entrepreneurial capacity of congregants, the establishment of an embryo of a mosque-based MSME incubator, and the strengthening of more professional and sustainable mosque economic governance. In addition, institutional synergy was fostered among the mosque, Muhammadiyah, and ‘Aisyiyah in building a community-based economic ecosystem. The Masjidpreneur model is effective in promoting the integration of the mosque’s spiritual and economic functions and holds strong potential for replication as a community-based economic empowerment model within the framework of Islamic economics.
Co-Authors Ade Maya Asriyanti Agustina Ayu Wulandari, Agustina Ayu Ahmad Maruf AHMADI Ambar Arum Pratiwi Amirah Amirah Ananda Fauziah Putri Anggraini, Masita Anggun Dwi Cahyani Arsianto, Anisa Nendiya Devi, Abriani Sita Dimas Bagus Wiranatakusuma Edi Supiyono Fadilla, Jihan Fahmi Zulfikar Faiza Husnayeni Nahar Febriani, Peggy FIRSHA RUSDI Hamiyah Al-Islami Harun Thalib imamudin yuliadi Jihan Fadilla Martyas Anggesti Masita Anggraini Maya Kumala Sari Muhammad Danish Farhad Bin Zainol Asri Mutmainah, Choironi Nida Awaliah Fitriani Nurul Naqiliah Binti Nor Azman Rahma Aprilia Widiastuti Raisa Mukaroma Ratnasari, Dian Puspita Retnaning Wulan Rista Suryadi Rohmansyah RUSDI, FIRSHA Setiana, Nana Dwi Suryadi, Rista Umi Azizah Umi Azizah, Umi Widiastuti, Rahma Aprilia Yuli Utami Zaini Muchlis Zulkifli, Siti Maryam Binti