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All Journal Jurnal Al-Qardh Iqtishoduna: Jurnal Ekonomi Islam Jurnal Manajemen dan Bisnis Baja (JUMANIS BAJA) Jurnal EK dan BI El-Qist : Journal of Islamic Economics and Business (JIEB) Al-Sharf: Jurnal Ekonomi Islam ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Journal Koperasi Dan Manajemen Jurnal Ekonomi Syariah dan Hukum Islam Musyarakah: Journal of Sharia Economics (MJSE) Amal: Jurnal Ekonomi Syariah Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Al-Iqtishad International Journal of Islamic Economics (IJIE) Journal of Ekonomics, Finance, and Management Studies International Journal of Islamic Business and Economics (IJIBEC)
Ismatul Khayati
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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DIGITAL MARKETING PERSPEKTIF ETIKA BISNIS ISLAM: A DIGITAL MARKETING PERSPECTIVE OF ISLAMIC BUSINESS ETHICS Ismatul Khayati
JOURNAL KOPERASI DAN MANAJEMEN Vol 3 No 02 (2022): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52838/komastie.v3i02.128

Abstract

Purpose – The purpose of this study is to analyze digital marketing carried out by celebrities on Instagram social media based on the perspective of Islamic business ethics. Design/methodology/approach – This research method is qualitative with a case study approach and data analysis as qualitative descriptive. Findings – The study results show that digital marketing activities on Instagram do not fully comply with Islamic business ethics principles, especially Unity, Responsibility, and Honesty. Meanwhile, the principle of Equilibrium and the principle of Free Will can be said to have been sufficiently implemented. Research limitations/implications – This case only discusses business actors who, together with Celebgram, have not fully complied with unity, responsibility, and honesty. And have not discussed it from another point of view. Originality/value – Entrepreneurs on social media Instagram services, reviewed in light of the principles of Islamic business ethics, show that digital marketing has not fully complied with the principles of Islamic business ethics. Keyword : Digital Marketing, Instagram, Islamic Business Ethics Paper type: Case Study
Analysis of Financing Strategy in the Era and Post COVID-19 (Case Study of PT. Mandiri Tunas Finance) agustin, Riska; Kalimah, Siti; Khayati, Ismatul
AL-QARDH Vol 8 No 2 (2023): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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Abstract

The COVID-19 pandemic is a global challenge that affects the economy, including the performance and the function of financial institutions in Indonesia. PT. Mandiri Tunas Finance (MTF) has increased in credit risk and decreased in the sales volume in 2020 by 45.75% compared to 2019 before COVID-19. However, post COVID-19, MTF has succeeded in implementing strategies to improve its credit risk and sales volume. The purpose of this research is to identify and to analyze the implementation of marketing strategies and MTF credit restructure in saving customers' bad credit in the era and post COVID-19. This study uses a descriptive qualitative research methods. Data was collected through interviews, documentation and analysis of financial reports. Sampling was done by purposive sampling technique. In case of sales decline, MTF implemented a more active marketing strategy based on the components of Kotler's marketing strategy, namely segmenting, targeting and positioning, which had an impact on MTF's sales volume, which increased in 2021 by 34.98% and in 2022 increased by 47%. 77% compared to the previous year. In the case of bad credit and customer default, the solution is to restructure credit according to the customer's condition. This has an impact on the movement of the NPF ratio from 2019 to 2022 under 1%.
Organizational Effectiveness of The Indonesia Halal Industrial Estate Prasetyo, Aji; Yazid, Muhammad; Ismatul Khayati
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 2 (2024): October
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i2.2513

Abstract

Halal Industrial Estates were built in Indonesia for the purpose of making Indonesia the center of the world's halal destinations. Halal Industrial Estates that have received licenses include the Halal Industrial Park Sidoarjo (HIPS), East Java. HIPS has only been operating for 3 years. As one of the industrial estates that focuses on MSME business investors, HIPS deserves the spotlight of this research regarding the extent of organizational effectiveness that has been implemented. On the one hand, HIPS has been able to demonstrate its organizational effectiveness by obtaining business actors who invest in the area. Products produced by business actors in the HIPS area can be guaranteed halal because from the beginning of entering the area they must be halal certified. Although indeed the quantity of investors in HIPS has not been maximized to make HIPS the main barometer of Indonesia's halal destinations in the eyes of the world.
MENINJAU DISTRIBUSI KEADILAN ANTARA ZAKAT DAN PAJAK Kalimah , Siti; Khayati , Ismatul
IQTISODINA Vol. 6 No. 2 (2023): DESEMBER
Publisher : LPPM IAI Nazhatut Thullab

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Abstract

Ekonomi Islam berpandangan bahwa distribusi memiliki arti yang dalam, hak kepemilikan unsur-unsur produksi dan sumber kekayaan menjadi penting dalam aktivitasya. Zakat dan pajak merupakan suatu instrumen pendapatan yang dapat dikelola negara untuk mewujudkan kesejahteraan yang merata bagi masyarakat. Pentingnya sistem pengelolaan distribusi yang berkeadilan sangat menentukan pola pemberdayaan dan upaya untuk mengentaskan kemiskinan masyarakat yang menjadi pokok permasalahan dalam suatu negara. Zakat sebagai bentuk tuntutan dalam Islam didistribusikan pada 8 golongan (ashnaf), sedangkan pajak sebagai instrumen fiskal negara yang dipergunakan untuk penyediaan fasilitas dan pelayanan publik yang memadai. Distribusi yang menggunakan konsep keadilan akan mampu mewujudkan kesejahteraan yang merata bagi seluruh masyarakat, karena keadilan tidak dilihat dari segi persamaan jumlah yang diberikan, namun sesuai dengan porsi dan kebutuhan para penerimanya.
POTENSI SENTRA INDUSTRI HALAL KOPI DI DESA JATIARJO DALAM PERSPEKTIF MAQASHID SYARIAH Rosa, Amelia; Khayati, Ismatul
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 2 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i2.1677

Abstract

The halal industry is an economic sector related to the provision of products and services based on halal principles in Islam. Jatiarjo Village is known as one of the coffee producers. This study aims to explore the potential of the halal industry in Jatiarjo Village through coffee commodities, which is expected to increase the income and welfare of the local community. This research is a qualitative study using primary data obtained through field observations and in-depth interviews with selected informants. The results showed that the people of Jatiarjo Village, especially coffee business actors, felt that the potential of the halal industry from coffee commodities was very large in increasing their employment opportunities, income and welfare.
OPTIMALISASI APLIKASI MUAMALAT DIN DALAM MEWUJUDKAN GREEN BANKING DI BANK MUAMALAT SECARA BERKELANJUTAN Zulfa, Arinatuz; Ismatul Khayati
AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam Vol. 2 No. 2 (2024): AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam
Publisher : Program Studi Perbankan Syariah, Sekolah Tinggi Agama Islam Negeri (STAIN) Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/iqtishad.v2i2.3627

Abstract

Optimalisasi ialah sebuah cara suatu kegiatan dalam upaya mengoptimalkan atau meningkatkan suatu pekerjaan menjadi sepenuhnya atau lebih sempurna, lebih efektif, atau lebih memiliki fungsi serta mencari penyelesaian terbaik dari berbagai permasalahan sehingga dapat mencapai tujuan yang sebaik-baiknya sesuai dengan standar tertentu. Penelitian ini termasuk penelitian lapangan ( field research ) yaitu suatu penelitian yang dilakukan secara sistematis dengan mengangkat data yang ada dilapangan. Metode penelitian ini adalah penelitian kualitatif deskriptif, yaitu data yang dikumpulkan berbentuk kata-kata, gambar, bukan angka-angka. Berdasarkan hasil penelitian ditemukan bahwa Implementasi aplikasi Muamalat-DIN dalam mendukung green banking dilakukan melalui layanan digital yang dapat mengurangi penggunaan kertas dalam kegiatan transaksi serta operasional perbankan. Implementasi Muamalat DIN dalam mewujudkan green banking sebagai bentuk kepedualian terhadap lingkungan dalam memelihara kelestarian pohon hijau, karena sejatinya kertas terbuat dari pohon.
Islamic Business Ethics in Buying and Selling Transactions at Pabean Market, Sedati, Sidoarjo Khayati, Ismatul; Firdaus, Muhammad Fakhri Allam
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9979

Abstract

                Islamic business ethics is a fundamental foundation in shaping economic behavior that is in line with sharia values. This study aims to analyze the application of Islamic business ethics principles in buying and selling transactions at Pabean Market, Sedati, Sidoarjo. The market, initially designed as a tourist market offering Sidoarjo’s local products, has increasingly functioned as a traditional market serving the daily needs of the surrounding community. The research employed a qualitative descriptive approach with a case study design. Informants consisted of five traders and five buyers selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, and analyzed using Miles and Huberman’s interactive model, which includes data reduction, data display, and conclusion drawing. Data validity was ensured through source triangulation and member checking. The findings indicate that the implementation of Islamic business ethics in Pabean Market is relatively satisfactory, particularly in the principles of equilibrium, free will, and responsibility. Traders generally sell their products honestly, do not coerce buyers, provide fair services, and are willing to replace defective goods. However, the principles of unity (tauhid) and benevolence (ihsan) have not been fully practiced. This is evident in the inconsistency of some traders in performing obligatory prayers on time and the limited application of benevolence, such as granting credit or showing additional kindness, which tends to be reserved for loyal customers. This study emphasizes the necessity of internalizing Islamic ethical values in every business activity, as they not only strengthen consumer trust and loyalty but also bring spiritual blessings to business actors. Thus, the implementation of Islamic business ethics supports business sustainability while also contributing positively to social welfare and the continuity of the local economy.
Analisis Peran Green Sukuk dalam Pembiayaan Sektor Renewable Energy di Indonesia untuk Mendukung Pencapaian Net Zero Emission Aminin, Rista Izza; Khayati , Ismatul
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 2 (2025): October
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i2.12422

Abstract

Indonesia faces significant challenges in reducing carbon emissions from the energy sector while accelerating renewable energy development. To achieve the Net Zero Emission (NZE) target, innovative financing instruments are essential to mobilize large-scale sustainable investment. One such instrument is the Green Sukuk, which reflects the integration of Islamic finance and environmental objectives. This study aims to analyze the role of Green Sukuk in financing Indonesia’s renewable energy sector. Using a qualitative descriptive-analytical method, the research examines official documents and publications related to Green Sukuk during 2018–2023. The analysis focuses on issuance trends, mobilized funds, and their contribution to carbon emission reduction. The findings reveal that Green Sukuk mobilized USD 9.527 million and contributed to a reduction of 5,487,041 tons emissions in 2018–2022, equivalent to 0.46% of the 2030 NDC energy sector target. The findings affirm the strategic role of Green Sukuk as an effective Islamic finance instrument in advancing Indonesia’s clean energy transition. Nevertheless, its potential remains underutilized and requires further optimization through enhanced market literacy, strengthened institutional capacity, and broader outreach to investors and the wider public. Keywords: Green Sukuk, Renewable Energy, Net Zero Emission, Sharia Financing
Penerapan Prinsip 5C + 1S Sebagai Pilar Utama Kelayakan Pembiayaan Di Bank Panin Dubai Syariah Surabaya Saniatul Khafshoh; Ismatul Khayati
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 7 No. 2 (2025): (September 2025)
Publisher : Institut Agama Islam Yasni Bungo Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v7i2.1067

Abstract

Penelitian ini menganalisis penerapan prinsip 5C + 1S dalam penyaluran pembiayaan di Bank Panin Dubai Syariah KCU Surabaya. Isu pokok yang dibahas adalah pentingnya analisis kelayakan pembiayaan untuk mengurangi risiko kredit bermasalah dan menjaga stabilitas perbankan syariah. Tujuan penelitian adalah untuk mengkaji implementasi prinsip 5C (Character, Capacity, Capital, Collateral, Condition) dan 1S (Syariah Compliance) dalam mengevaluasi kelayakan nasabah. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan studi kasus, melalui wawancara mendalam dan observasi langsung di Bank Panin Dubai Syariah KCU Surabaya. Hasil penelitian menunjukkan bahwa penerapan prinsip 5C + 1S dilakukan secara menyeluruh, dengan penekanan pada penilaian karakter dan kapasitas nasabah, serta kepatuhan syariah. Analisis ini terbukti efektif dalam meminimalkan risiko pembiayaan bermasalah dan menjaga kualitas portofolio pembiayaan bank. Temuan penelitian memberikan kontribusi dalam memahami strategi mitigasi risiko di perbankan syariah serta pentingnya integrasi prinsip syariah dalam proses pembiayaan.
The Role of Sharia Accounting in Strengthening Indonesia’s Halal Industry Ecosystem Prasetyo, Aji; Sri Guntur, Yohanes; Khayati, Ismatul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 15 No. 1 (2025): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2025.15.1.83-99

Abstract

The global halal industry continues to experience robust growth, yet a critical dimension remains underexplored: the integration of Sharia-compliant financial management within halal-certified enterprises. While most regulatory and scholarly attention has been directed toward ensuring product halalness, the financial practices of halal industry players are often misaligned with Sharia accounting principles. This study investigates the role of Sharia accounting in strengthening the integrity and sustainability of Indonesia's halal industry, using a phenomenological qualitative approach based on in-depth interviews with key stakeholders in East Java. Grounded in the maqāṣid al-sharī‘ah framework, particularly the protection of wealth (hifẓ al-māl), the findings reveal a systemic gap between product-based halal certification and Sharia-compliant financial reporting. The absence of regulatory enforcement, institutional clarity, and professional support has led to fragmented practices, particularly among micro, small, and medium-sized enterprises (MSMEs). This study offers a strategic recommendation to involve Sharia-compliant Public Accounting Firms (PAFs) in assisting halal businesses with financial reporting following Sharia Financial Accounting Standards (SFAS). The novelty of this research lies in highlighting financial governance as an essential yet overlooked pillar of halal assurance—advancing the discourse on halal ecosystem integrity from a global Islamic accounting perspective. For future research, comparative cross-country studies are recommended to examine the implementation and regulatory integration of Sharia accounting within halal industries in diverse legal and institutional settings, particularly between emerging Muslim-majority economies and established halal hubs such as Malaysia, the GCC, and Southeast Asia.
Co-Authors agustin, riska Aji Prasetyo Alifarichsa, Muhammad Firhan Aminin, Rista Izza Firdaus, Muhammad Fakhri Allam Muhammad Yazid Nanda Mar'atus Rosa, Amelia Saniatul Khafshoh Siti Kalimah Siti Nur Azizah, Siti Nur Sri Guntur, Yohanes Syahvira Salsabilla Putri Umairoh, Nisa Ul Anda Yazid , Muhammad Zulfa, Arinatuz