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All Journal Jurnal Ilmiah Ekonomi Islam al-Afkar, Journal For Islamic Studies Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah
Umrotul Khasanah
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Role of Risk Management Determines the Profitability of Bank Syari'ah Indonesia During the Covid-19 Pandemic Wulan Nur Safitri; Umrotul Khasanah
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8988

Abstract

The outbreak of the Covid-19 pandemic has disrupted global political, economic, social, religious and financial structures, including Shariah financial institutions, especially Bank Shariah Indonesia. Therefore, the risks that Islamic banks have to face during the pandemic are much higher, which will later affect the bank's profitability. In this study, the authors analyze the effectiveness of risk management of Sharia Indonesia banks during the pandemic by measuring the impact of BOPO, FDR and NPF on ROA as measures of bank profitability. This type of research is descriptive explanatory research. This study uses a finite population and from 2019 he uses time series data in the form of financial reports from Bank Sharia Indonesia 2023. The method used is multiple regression analysis using the SPSS version 22 program. The results of this study show that risk management has a very strong impact on Bank Shariah Indonesia's profitability, as evidenced by the high coefficients of constant beta for each variable. . Whether it's a BOPO, FDR or NPF variable. Additionally, the R Square result when measuring the three risk control variables shows a result of 0.981 or 98.1%. In other words, changes in Bank Shariah Indonesia's profitability performance (ROA) can be influenced by changes in its three independent variables, operating expenses. Operating profit, cash-to-deposit ratio, distressed funding. However, during the COVID-19 pandemic, Bank Shariah Indonesia's risk management was suboptimal. This can also be seen from the negative direction of the influence of each variable.
MAPPING ECONOMIC DEVELOPMENT TRENDS IN ISLAMIC ECONOMICS: A SYSTEMATIC LITERATURE REVIEW Al Maulud; Umrotul Khasanah; Ismail Ismail
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 10 No 01 (2026): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v10i01.9918

Abstract

This study aims to map the development of research on economic development in Islamic economics published in reputable Scopus-indexed international journals during the period 2016–2025. Using a Systematic Literature Review (SLR) approach based on the PRISMA protocol, this study analyzes publication trends, the distribution of authors and institutions, the characteristics of topic clusters, and the direction of research innovation. The findings show that publications related to Islamic economic development have increased significantly, especially after 2020, with the largest contributions coming from Indonesia and Malaysia. Analysis using VOSviewer and Rstudio identified nine main research clusters, which include the issues of maqasid al-shariah, sustainability, sharia governance, the halal industry, green investment, zakat and community empowerment, as well as energy and the environment. In addition, the visualization of topic novelty reveals a shift in research focus from normative themes to more applied issues such as the halal supply chain, ESG, energy management, and Islamic value-based sustainable development governance models. The results of the study confirm that Islamic economics is developing as a multidisciplinary paradigm capable of responding to global challenges in the context of sustainable development. This study contributes to providing a map of knowledge and the direction of development of Islamic economic studies, although it is limited by the use of a single database and specific selection criteria. Recommendations for further research include expanding the scope of the database and combining the SLR method with in-depth qualitative analysis to identify research gaps and strengthen the theoretical construction of Islamic economic development.
The Strategy of Islamic Boarding School-Owned Enterprises in Supporting Economic and Educational Sustainability at the Nurul Jadid Paiton Probolinggo Islamic Boarding School Widad Ulfatul Mawaddah Hadi; Umrotul Khasanah; Khusnudin Khusnudin
al-Afkar, Journal For Islamic Studies Vol. 9 No. 1 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i1.2805

Abstract

This study aims to identify the role of BUMP (Pesantren-Owned Enterprises) in supporting the economic independence of Islamic boarding schools, analyze the forms of BUMP’s contribution to the sustainability of education at Pondok Pesantren Nurul Jadid, and examine the management strategies of BUMP in ensuring the sustainability of both the economic and educational aspects of the pesantren. This study employs a naturalistic qualitative approach with phenomenological analysis, supported by the theoretical frameworks of Sustainable Development Theory, Human Capital Theory, and the Triple Bottom Line. These three theories are applied to examine the relationship among the economic, educational, and social dimensions that are integrated within BUMP’s management system. Thus, this research not only evaluates business success from an economic standpoint but also its contribution to the continuity of education. The findings of the study highlight six main strategies in BUMP management: strengthening Sharia-based governance through SOPs and financial report digitalization; business diversification encompassing trade, laundry, agribusiness, and digital platforms; integrating business with education through skill laboratories and student internships; strengthening alumni networks and strategic partnerships; digitizing financial management with Accurate and IPOS Ultimate applications; and developing a grand design for sustainability that synergizes economic, educational, leadership development, and physical infrastructure aspects. These findings affirm that BUMP can serve as a model for pesantren economic independence that is relevant to the challenges of the modern era while maintaining the identity of Islamic values.
MONOPOLI (IHTIKAR) DALAM EKONOMI ISLAM DAN IMPLEMENTASINYA PADA REGULASI PERSAINGAN USAHA DI INDONESIA Niken Baramurti Evieta Enggar Sandy; Umrotul Khasanah
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 6 No. 1 (2026): Januari-Juni 2026
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v6i1.10998

Abstract

This study discusses the prohibition of monopolistic practices (ihtikar) from an Islamic economic perspective and its relevance to the implementation of business competition regulations in Indonesia. The purpose of this study is to analyze the compatibility between Islamic economic principles that emphasize justice, balance, and welfare with the provisions of positive law stipulated in Law Number 5 of 1999 concerning the Prohibition of Monopolistic Practices and Unfair Business Competition. The research method used is qualitative with a library research approach through analysis of various secondary sources such as books, scientific journals, and laws and regulations. The results show that Islam strictly prohibits the practice of ihtikar because it can create economic inequality, reduce public welfare, and violate the principles of justice and welfare. Meanwhile, national regulations through the role of the Business Competition Supervisory Commission (KPPU) have a similar goal, namely preventing market domination and ensuring the creation of healthy competition. However, the implementation of this policy still faces challenges, particularly in the context of the digital economy and weak law enforcement. Thus, the integration of Islamic economic values ​​in business competition regulations is necessary to strengthen the moral and ethical aspects of business, so as to create an economic system that is just, ethical, and oriented towards the welfare of society.
Implementasi Pembiayaan Musyarakah pada Usaha Mikro Kecil dan Menengah dalam Aspek Maqashid Syariah M Taufik Hidayat; Umrotul Khasanah; Meldona
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 4 No. 2 (2025): Volume 4 Nomor 2 Tahun 2025
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v4i2.118

Abstract

This paper examines the implementation of the musyarakah contract in Sharia-based financing for Micro, Small, and Medium Enterprises (MSMEs) through the lens of maqashid sharia. The musyarakah contract, which emphasizes the principles of justice, partnership, and blessings, aligns with Sharia principles and contributes to achieving the objectives of maqashid sharia, namely the protection of religion, life, intellect, lineage, and wealth. This form of partnership-based financing not only delivers economic benefits but also has psychological and social impacts on MSME actors, such as increased peace of mind, asset protection, and improved family welfare. This study employs a qualitative method. Data collection was conducted through in-depth interviews with Islamic financial institution managers, MSME partners, and mentoring staff, alongside participatory observation of financing activities and interactions, and examination of supporting documents such as financial reports and internal policies. The findings reveal several challenges in the field, including limited understanding of Sharia principles among MSME actors, weak financial record-keeping, and insufficient monitoring and mentoring by financial institutions. Nevertheless, the study concludes that with enhanced education, consistent mentoring, and structured supervision systems, the musyarakah contract holds significant potential in empowering MSMEs fairly and sustainably, in accordance with comprehensive Sharia objectives
Co-Authors Al Maulud Ismail Ismail Khusnudin M Taufik Hidayat Meldona Niken Baramurti Evieta Enggar Sandy Widad Ulfatul Mawaddah Hadi Wulan Nur Safitri