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All Journal Al-Mustashfa Maqasid: Jurnal Studi Hukum Islam Indonesia Journal of Halal EKUITAS (Jurnal Ekonomi dan Keuangan) FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Tasharruf: Journal Economics and Business of Islam El-Qist : Journal of Islamic Economics and Business (JIEB) AL-FALAH : Journal of Islamic Economics el-Jizya: Jurnal Ekonomi Islam Jurnal Islam Nusantara Ziswaf Asfa Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah An Nafah: Jurnal Pengabdian Masyarakat KASBANA: Jurnal Hukum Ekonomi Syari'ah
Setiawan Bin Lahuri
Universitas Darussalam Gontor
Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Basic Needs as the Foundation of Consumer Behavior: An Analytical Study of Al-Ghazali's Thought Bin Lahuri, Setiawan; Nurkholifah, Euis; Zarkasyi, M. Ridlo; Ramdani Harahap, Soritua Ahmad
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.16764

Abstract

Consumer behavior that has a lot of consumptive tendencies makes this pattern incompatible with consumption in the Islamic economics. Society has the ideology of consuming excessively, unknowingly, and sustainably. Purchases of goods are only based on desires and do not consider needs, so it is necessary to enforce consumption patterns so that they do not fall into the excessive category. The research methodology used is a literature study method by conducting an in-depth reading analysis of various references related to consumer behavior, especially examining various existing literature works. Researchers reviewed several books written by Al Ghazali and several related figures to obtain additional analysis in this research. The results of this research indicate that the consumption theory according to Al Ghazali is not only oriented to satisfaction. Consumption in Islam is more to make people more obedient in worship. Humans are not required to meet their needs sporadically but must comply with sharia principles. Other important things by paying attention to halal, good and mashlahah for the goods they consume.  Keywords: Consumer behavior, Islamic Economics, Society, Al-Ghazali
Pinpointing the Determinants of Financial Literacy: Empirical Evidence of Indonesian Employees in Malaysia Rizal, Achmad; Susilo, Adib; Rahman Abadi, M. Kurnia; Lahuri, Setiawan; Abdullah, Nurdianawati Irwani; Che Embi, Nor Azizan
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 10 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v10i2.7881

Abstract

This paper investigates the determinants variables of financial literacy through Exploratory Factor Analysis among Indonesian employees’ works in Malaysia. This study is quantitative study with 117 respondents. The data from respondents are collected through questionnaire on five-point Likert scale. Data analysis employs EFA (Exploratory Factor Analysis) which reduce the factors into expected variables. The study found that there 7 factors emerged in based on data analysis namely, financial literacy contributes with higher percentages factors 13.93%, financial planning contributes with 11.28%, financial control with 9.86%, exchange rate awareness with 9.52%, financial attitude with 9.07, financial subjective norms with 8.76, and lastly financial awareness contributes 6.93%. Meanwhile, simultaneously all variables have commutative percentages about 69.38%. Further studies are required to investigate or examine each emerged variables for example, SEM, Regression analysis, One Way ANOVA, and so on. Moreover, wider coverage of research sample and research object also suggested.
Tipologi Koperasi Umum dan Syariah Amir Sup, Devid Frastiawan; Lahuri, Setiawan; Kamaluddin, Imam; Ghozali, Mohammad; Hidayat, Iman Nur
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
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.v8i2.3720

Abstract

This study aims to typify cooperatives in Ponorogo, East Java, Indonesia. The data used as the object of the typology are 842 cooperative data. This study used a quantitative descriptive methodology with a typology approach. Data were collected using the documentation method and typologically using the descriptive analysis method. The results obtained are that there are 430 cooperatives that have been certified by NIK certtified and 412 cooperatives that have not been certified by NIK certified. Cooperatives in Ponorogo, East Java, Indonesia can be typified into 4 (four): (1) Based on level (primary cooperative, secondary cooperative, and cooperative center); (2) Based on activity (KSP, KSU, KBPR, producer cooperative, consumer cooperative, service cooperative, and handicraft industry cooperative); (3) Based on member (KPN-KPRI, employee cooperative, student cooperative, KUD, women's cooperative, and market cooperative); (4) Sharia entities (sharia cooperative, KJKS-KSPPS, Kopontren, and BMT).
Pendampingan UMKM Dalam Analisa Potensi Pengembangan UMKM Melalui Digitalisasi Produk UMKM di Desa Plancungan, Slahung, Ponorogo, Jawa Timur Devid Frastiawan Amir Sup; Setiawan Bin Lahuri; Imam Kamaluddin; Khoirul Umam; Akhmad Affandi Mahfudz; Robby Fathurrohman; Hujjatul Islam Musthafa Abdurrahman; Faiz Izzatullah; Wildan Hakim; Naufal Azmi Ramadhan; Izzuddien Setiaji; Muhammad Hadi Wijaya Munir; Abdul Jafar; Excel Abu Ramadhan; Muhammad Iqbal Choir; M. Mava Saputra Al Maskuri
An Naf'ah: Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2025): Agustus
Publisher : Lembaga Penelitian, Penerbitan dan pengabdian kepada masyarakat (LP3M) STIT Al-Urwatul Wutsqo Jombang.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54437/annafah.v3i2.2047

Abstract

Plancungan village, a small village in Indonesia, has experienced various challenges in developing its Micro, Small, and Medium Enterprises (MSMEs). This article discusses the assistance of digitalization of MSMEs products in Plancungan village which is carried out with the aim of increasing competitiveness and market access for MSMEs. The MSMEs products selected are melons, herbal medicine, tempe, crackers, and pottery. This assistance uses training methods for the use of digital technology, website creation and management, and marketing strategies through social media. The results of this assistance show that MSMEs in Plancungan village have experienced increased sales and wider market exposure. In addition, this digitalization assistance also helps MSMEs to be more adaptive to increasingly dynamic market changes. The recommendation that can be given is to continue to develop digital skills and increase cooperation with related parties in order to expand market reach. With the ongoing collaboration and innovation efforts, it is hoped that MSMEs Plancungan village can continue to grow and become one example of success in facing this digital era, and can be an inspiration for other MSMEs to continue to adapt and develop amidst the increasingly tight competition in this digital era. With the increasing development of technology and digitalization, MSMEs Plancungan village is expected to be able to take advantage of existing opportunities to continue to grow and compete in the global market.
The PEMANFAATAN DANA ZAKAT UNTUK MODAL USAHA DENGAN AKAD QARD KAJIAN FATWA DEWAN SYARI'AH NASIONAL NO:19/DSN-MUI/IV/2001 TENTANG AL-QARDH Margareth Aliyatul Maimunah; Setiawan bin Lahuri
KASBANA Vol 5 No 2 (2025): Juli
Publisher : Sekolah Tinggi Ilmu Syariah Darul Falah Bondowoso

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

Abstract

Zakat plays a vital role in poverty alleviation and community welfare. Beyond consumptive uses, zakat can be productively channeled for mustahik business financing through qardh (interest-free loan) schemes, guided by DSN-MUI Fatwa No. 19/DSN-MUI/IV/2001. This literature review aims to examine how zakat funds can be utilized as business capital via qardh contracts. The study adopts a literature review method by examining relevant fatwas, books, and academic journals. The findings indicate that qardh provides equitable funding, prevents beneficiaries from exploitative financial systems, and fosters sustainable zakat distribution as returned funds can be re-utilized. The qardh contract also proves more effective than grants in fostering responsibility and entrepreneurship. However, implementation faces challenges like low repayment rates (only 20% on time), weak mustahik managerial capacity, and insufficient continuous supervision. Implications suggest the need for entrepreneurship training, intensive mentoring, and integrated monitoring. Strong collaboration among zakat institutions, government, and the community has the potential to make zakat utilization through qardh a strategic solution for sustainable economic empowerment of the Muslim community. Keywords: Productive Zakat, Qardh Contract, DSN-MUI Fatwa, Economic Empowerment, Mustahik.
Co-Authors Abdul Jafar Abdullah, Nurdianawati Irwani Achmad Rizal Adillah, Erika Rishan Ainun Amalia Zuhroh Ainun Amalia Zuhroh Akhmad Affandi Mahfudz Akhmad Affandi Mahfudz Arti, Dwi Karunia Azmi, Muhammad Ulul Che Embi, Nor Azizan Devid Frastiawan Amir Sup Excel Abu Ramadhan Faiz Izzatullah Gafita Almas Handayani, Agung Lia Harahap, Soritua Ahmad Ramdani Hartomi Maulana Hujjatul Islam Musthafa Abdurrahman Imam Kamaluddin Iman Nur Hidayat Izzuddien Setiaji Kaffah, Silmi Khoirul Umam Lamya Nurul Fadhilah M. Kurnia Rahman Abadi M. Mava Saputra Al Maskuri Margareth Aliyatul Maimunah Mohammad Ghozali, Mohammad Muhammad Hadi Wijaya Munir Muhammad Iqbal Choir Muhammad Ridlo Zarkasyi Muhammad Rizal Pranoto Mulyono Jamal Mumtaz, Azzam Fatahillah Naufal Azmi Ramadhan Nurkholifah, Euis Okky Mahdi Indrawan Putra Okky Mahdi Indrawan Putra Rahman Abadi, M. Kurnia Rahman, Furqan Hifdzur Ramdani Harahap, Soritua Ahmad Rizal Achmad Robby Fathurrohman Rusyda Afifah Ahmad Soritua Ahmad Ramdani Harahap Susilo, Adib . Syamsuri Vina Fithriana Wibisono Wildan Hakim Zuhroh, Ainun Amalia