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All Journal Jurnal Tabarru': Islamic Banking and Finance El-kahfi : Journal of Islamic economics Journal of Islamic economy and Community Engagement Niqosiya: Journal of Economics and Business Research Jurnal Ekonomika dan Bisnis Islam ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Danadyaksa: Post Modern Economy Journal
Rohmaningtyas, Nurwinsyah
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Religion Arts Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Pengaruh Produk Pembiayaan Kafalah Haji Terhadap Kepuasan Anggota Di Koperasi Syari’ah BMT NU Ngasem Jawa Timur Cabang Sroyo” Syuhada, Syuhada; Afif, Moch Makhruj; Rohmaningtyas, Nurwinsyah
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 7 No 2 (2024): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v7i2.6697

Abstract

Haji termasuk rukun Islam yang ke lima. Haji dilaksanakan bagi orang yang mampu, artinya mampu secara ilmu, fisik, dan material. Akan tetapi dengan adanya suatu kendala, masyarakat Muslim masih banyak yang belum melaksanakan ibadah tersebut. Antara lain dari kendala tersebut ialah masalah biaya pendaftaran yang setiap tahunnya naik, serta kuota yang sangat terbatas. Dalam hal ini, Kopsyah BMT NU Ngasem Jawa Timur Cabang Sroyo memberikan penawaran berupa produk kafalah yang diharapkan mampu membantu anggota untuk menunaikan ibadah Haji. Penelitian ini merupakan penelitian kuantitatif dengan dua variabel yaitu produk pembiayaan kafalah haji dan kepuasan anggota. Data yang digunakan dalam penelitian ini data primer dan data skunder. Data primer yang digunakan adalah hasil dari wawancara maupun kuesioner di Kopsyah BMT NU Ngasem Jawa Timur Cabang Sroyo. Sedangkan, data sekunder yang digunakan adalah seluruh data-data terkait yang relevan dengan pembahasan yang bersumber dari website, jurnal, maupun buku. Objek dari penelitian ini adalah anggota yang mendaftar kafalah haji, dengan populasi 207 orang dan sample 136 orang. Selanjutnya, metode pengumpulan data dilakukan dengan cara kuesioner, observasi, dan dokumentasi. Kemudian, data diolah dengan IMB SPSS statistics 22. Hasil dari penelitian ini menunjukkan bahwa terdapat pengaruh antara ivariabel kualitas produk dan pelayanan secara bersama-sama terhadap kepuasan anggota pada Kopsyah BMT NU Ngasem Jawa Timur Cabang Sroyo. Dalam penelitian diperoleh nilai F hitung sebesar 21,619 dengan tingkat signifikan 0,000. Karena nilai signifikan lebih kecil dari 0,000<0,05, maka iHo ditolak atau Ha diterima. Hal ini diartikan bahwa kualitas produk dan pelayanan secara bersama-sama mempunyai pengaruh terhadap kepuasan anggota pada Kopsyah BMT NU Ngasem Jawa Timur Cabang Sroyo.
Revolusi Ekonomi Umat dengan Fintech Syariah: Analisis dan Peluang Hamid, Ahmad Munir; Rohmaningtyas, Nurwinsyah
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 7 No 2 (2024): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v7i2.6738

Abstract

This research explains the opportunities that Indonesia has as one of the countries with the largest number of sharia fintech in the world, which reached 61 companies in 2021. The study also discusses regulations and business models that can support the development of sharia fintech in Indonesia, given the importance of a clear legal framework to maintain trust and compliance with sharia principles. In addition, the analysis of public interest in sharia fintech shows that there is great potential for further development, although there are still challenges that need to be overcome such as financial literacy and access to technology. Overall, this study concludes that sharia fintech has great potential to support the economic empowerment of the people through inclusive and sharia-compliant financial services. However, to realize this potential, collaboration between the government, industry players, and the community is needed to create an ecosystem that is conducive to the development of sharia fintech.
The Role of Sharia Economic Stakeholders in Indonesia’s Sharia Economy Masterplan 2019-2024: Pentahelix Concept Analysis Ma'ruf, Aminudin; Mellinia, Rashifahunnisa’; Rohmaningtyas, Nurwinsyah; Alam, Shahbaz
Danadyaksa: Post Modern Economy Journal Vol. 2 No. 2 (2025): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v2i2.118

Abstract

Indonesia's Sharia economy has grown rapidly in recent years, attracting the attention of investors both domestically and internationally. In 2019, the Indonesian government launched the Sharia Economic Masterplan 2019-2024 to strengthen the Islamic economic ecosystem and position Indonesia as the world's leading Islamic economic center. This study aims to analyze the role of each Islamic economic stakeholder in the 2019-2024 Indonesian Islamic Economics Masterplan using the Pentahelix concept analysis. The results show that the government plays a crucial role as a regulator in formulating policies and regulations that support Islamic economic development. Through research and public consultation, academics contribute relevant concepts and innovations to the development of the Islamic economy. Islamic business people and financial institutions, such as Islamic banking, Islamic capital markets, and MSMEs, play an essential role as drivers of the halal industry. The Islamic economic community acts as an accelerator in strengthening the halal industry in various sectors. Meanwhile, as a multiplier, the media plays an essential role in maximising the fulfillment of the halal market share by promoting and educating the public about the available halal products and services. It is hoped that the synergy between stakeholders can achieve inclusive, sustainable sharia economic growth and encourage the progress of the halal industry in Indonesia.
Implementation of Islamic Business Ethics: The Case of MSMEs in Sukoharjo, Indonesia Ma'ruf, Aminudin; Mukhlisin, Fajar Sidiq; Rohmaningtyas, Nurwinsyah
Niqosiya: Journal of Economics and Business Research Vol. 4 No. 2 (2024): Juli-Desember 2024
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v4i2.4014

Abstract

Introduction: Islam urges every Muslim to work and comply with all Islamic principles. The Centre of Statistical Data (BPS) of Sukohajo noted that 94.8% of Sukoharjo’s population is Muslim. This indicates that Sukoharjo has great economic potential, especially in the field of halal lifestyle. This paper conducted a study with the aim to analyse the application of Islamic business ethics to Micro, Small, and Medium Enterprises (MSMEs) in Sukoharjo. Research Methods: This research employs a qualitative analysis with a descriptive analysis method. Primary data were obtained through interviews and documentation with 28 MSMEs in Sukoharjo as the research sample. The data is then analysed by data reduction, data display, and data verification. Results: The result shows that the majority of MSMEs in Sukoharjo Regency have implemented Islamic business ethics such as honesty, fairness, greetings, trust, and selling halal products. However, religious activities for employees lack the practices. There are several internal and external factors shaping the implementation of Islamic business ethics of MSMEs in Sukoharjo, namely internal factors (beliefs) and external factors (science, family, social environment, experience, and type of business). Conclusion: The study humbly urges the Indonesian Ulema Council to incorporate Islamic business ethics in their teachings, shaping a better understanding of society and leading the optimisation of the application.
Blockchain-Based Waqf and Maslahah Mursalah: A Sharia Analysis in Light of MUI Fatwas Widyarta Wijaya, Muhammad; Ramis, Irfan; Rohmaningtyas, Nurwinsyah; Ghozali, M. Lathoif
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.573

Abstract

Despite Indonesia’s vast waqf potential, asset management remains inefficient due to persistent issues of transparency, accountability, and public trust. This study examines the integration of blockchain technology within waqf management and its legitimacy under Islamic law, analyzed through the lens of maslahah mursalah and Majelis Ulama Indonesia (MUI) fatwas. Previous studies on blockchain waqf have largely focused on technical feasibility and governance frameworks, yet have not sufficiently addressed its shariah legitimacy through usul fiqh reasoning. Employing a qualitative-descriptive method, the research integrates four analytical stages: (1) textual analysis of Qur’anic and Prophetic principles on transparency and trust (amanah), (2) review of MUI fatwas to identify legal boundaries for digital financial instruments, (3) comparative analysis of blockchain-based waqf models from Malaysia, Turkey, and the UAE, and (4) conceptual synthesis aligning technological transparency with the objectives of maslahah mursalah. Findings suggest that blockchain, when implemented within a shariah-governed framework, fulfills the criteria of public benefit and does not contravene existing fiqh principles, thus qualifying as a legitimate ijtihadi innovation (tathbiq al-maslahah). The study concludes that blockchain-based waqf has the potential to strengthen institutional credibility, enhance transparency, and optimize social welfare distribution. This research contributes to the development of sharia-compliant digital philanthropy frameworks in Indonesia and offers policy insights for the digital transformation of Islamic social finance institutions
Enhancing Wealth Distribution Literacy Based on Mawaris Principles among Urban Muslim Families Rofiqo, Azidni; Nurafini, Fira; Canggih, Clarashinta; Rohmaningtyas, Nurwinsyah; Kurniawan, Taufiq
Journal of Islamic Economy and Community Engagement Vol. 7 No. 1 (2026): Volume 7 No.1 2026
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2026.7.1.2985

Abstract

The low level of wealth distribution literacy based on mawaris principles among urban Muslim families has the potential to generate injustice and conflict within households. This community service activity aimed to enhance the understanding and awareness of urban Muslim families regarding the importance of applying mawaris principles in family wealth distribution. The activity was conducted at the PKK Women’s Community of Wiyung Brantas Permai on April 19, 2025, involving 23 participants. An educative and participatory approach was employed through interactive lectures, group discussions, case studies, and evaluation using pre-test and post-test instruments. The results indicate an improvement in participants’ understanding of the basic concepts and mechanisms of mawaris, accompanied by changes in attitudes and awareness toward planning family wealth distribution in accordance with Islamic principles. The activity also received positive responses from participants and has the potential to generate sustainable impact through the strategic role of women within the family. Thus, this community service initiative contributes to strengthening Islamic financial literacy and promoting equitable wealth distribution in urban Muslim communities.
Pengaruh Influencer Endorsement dan Electronic Word Of Mouth (eWOM) Terhadap Minat Beli Kuliner Halal pada Gen Z Pengguna Tiktok Aquila, Marisa Saba; Rohmaningtyas, Nurwinsyah
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 1 (2026): April in Proses
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v9n1.p34-48

Abstract

This study aims to analyze the influence of Influencer Endorsement and Electronic Word of Mouth (eWOM) on purchase intention of halal culinary products among Generation Z TikTok users in Surabaya. Influencer Endorsement is measured through three dimensions: Attractiveness, Trustworhtiness, and Expertise. This research employs a quantitative associative approach using primary data collected through questionnaires distributed to Generation Z respondents who reside in Surabaya and actively use TikTok. A total of 130 respondents participated in this study. The data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with the assistance of SmartPLS software. The results indicate that Attractiveness, Trustworhtiness, and Expertise of Influencer Endorsement have a significant positive effect on purchase intention toward halal culinary products among Generation Z TikTok users. Influencers who possess strong visual appeal, credibility, and relevant knowledge are able to create positive perceptions and encourage consumers’ intention to purchase promoted halal culinary products. Conversely, eWOM does not have a significant effect on purchase intention. This finding suggests that information and online reviews circulating on TikTok are perceived as supplementary considerations amid the rapid flow of digital content, leading Generation Z to be more selective in processing online information before forming purchase intentions.
PENGARUH CITRA LEMBAGA, KEPERCAYAAN, DAN AKUNTABILITAS TERHADAP MINAT MUZAKKI MEMBAYAR ZAKAT Nur Sya’bani, Aqmarani; Rohmaningtyas, Nurwinsyah
Jurnal Tabarru': Islamic Banking and Finance Vol. 9 No. 1 (2026): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2026.vol9(1).27621

Abstract

Potensi zakat di Jawa Timur sangat besar, namun penghimpunan zakat melalui lembaga amil zakat belum optimal. Salah satu faktor yang mempengaruhi kondisi tersebut adalah persepsi muzakki terhadap lembaga pengelola zakat. Penelitian ini bertujuan untuk menganalisis citra lembaga, kepercayaan, dan akuntabilitas terhadap minat muzakki dalam menyalurkan zakat melalui Lazismu Jawa Timur. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh dari penyebaran kuesioner. Teknik pengambilan sampel menggunakan purposive sampling dengan jumlah responden sebanyak 229 responden. Analisis data menggunakan PLS-SEM dengan aplikasi SmartPLS 4. Hasil penelitian ini menunjukkan bahwa Hasil penelitian menunjukkan bahwa citra lembaga, kepercayaan, dan akuntabilitas berpengaruh terhadap minat muzakki. Citra lembaga yang baik mampu membentuk persepsi positif, sementara kepercayaan memperkuat keyakinan muzakki terhadap pengelolaan dana yang amanah. Selain itu, akuntabilitas yang diwujudkan melalui transparansi dan pelaporan yang jelas turut meningkatkan kesiapan muzakki dalam menyalurkan zakatnya melalui lembaga tersebut.
Co-Authors Afif, Moch Makhruj Alam, Shahbaz Aminudin Ma'ruf Aquila, Marisa Saba Clarashinta Canggih Hamid, Ahmad Munir Irfan Ramis M. Lathoif Ghozali Mellinia, Rashifahunnisa’ Mukhlisin, Fajar Sidiq Nur Sya’bani, Aqmarani Nurafini, Fira Rofiqo, Azidni Syuhada Syuhada Taufiq Kurniawan Widyarta Wijaya, Muhammad