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All Journal Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam MALIA Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Budimas : Jurnal Pengabdian Masyarakat Jurnal Mu'allim Al-Iqtishod : Jurnal Ekonomi Syariah Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Edunity: Kajian Ilmu Sosial dan Pendidikan Al-Maqashid: Journal of Economics and Islamic Business Jurnal Ekonomi Syariah dan Hukum Islam Journal Research of Social Science, Economics, and Management Kartika: Jurnal Studi Keislaman Jurnal Pengabdian Masyarakat Bangsa Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Science and Technology: Jurnal Pengabdian Masyarakat IEB: Journal of Islamic Economics and Business Humanist Journal MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Sukamto .
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Literasi Keuangan Syariah dan Motivasi Berwirausaha: Strategi Penguatan Pengelolaan Keuangan Berbasis Nilai Islami Armadiana, Rodiyah; Aslikhah; Sukamto
Kartika: Jurnal Studi Keislaman Vol. 5 No. 3 (2025): Kartika: Jurnal Studi Keislaman (November)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v5i3.237

Abstract

This study aims to analyze the relationship between Islamic financial literacy and entrepreneurial motivation in strengthening students’ financial management skills at Universitas Yudharta Pasuruan. The disparity in financial literacy levels across Indonesian regions highlights the importance of continuous education and training in Islamic-based finance. Although awareness of Islamic economics is increasing, many students still lack adequate understanding of Islamic financial management principles, which may affect their future financial well-being. This research employed a qualitative approach using in-depth interviews and observations of students with entrepreneurial interests. The findings reveal that entrepreneurial motivation serves as a key factor encouraging students to adopt ethical and responsible financial management practices. However, the application of Islamic financial values remains largely conceptual and not yet fully integrated into entrepreneurial activities. Therefore, structured and practical Islamic financial literacy programs are necessary to enhance students’ competencies in managing sustainable and sharia-compliant businesses.
Potret Perempuan Fatayat-Muslimat NU Keputih Menggali Penguatan Ekonomi Keluarga dalam Konsepsi Al-Qur’an dan Al-Hadisth Siti Musfiqoh; Rif'iyatul Fahimah; Sukamto Sukamto; M. Fathur Rozi
Edunity Kajian Ilmu Sosial dan Pendidikan Vol. 2 No. 2 (2023): Edunity : Social and Educational Studies
Publisher : PT Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1877.798 KB) | DOI: 10.57096/edunity.v2i2.63

Abstract

Penelitian ini bertujuan untuk menggali penguatan ekonomi keluarga dalam konsepsi Al-Qur'an dan Al-Hadisth pada potret perempuan Fatayat-Muslimat NU keputih. Penelitian ini menggunakan pendekatan kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa perempuan Fatayat-Muslimat NU keputih memiliki peran penting dalam menguatkan ekonomi keluarga. Mereka menerapkan konsep-konsep Al-Qur'an dan Al-Hadisth dalam kegiatan ekonomi sehari-hari, seperti mengelola usaha mikro, menabung, dan membantu keluarga dalam kegiatan produksi. Perempuan Fatayat-Muslimat NU keputih juga memiliki peran sosial dalam membantu masyarakat sekitar dan memperkuat jaringan ekonomi syariah. Dengan demikian, penelitian ini memberikan gambaran tentang bagaimana perempuan Fatayat-Muslimat NU keputih mengaplikasikan konsepsi Al-Qur'an dan Al-Hadisth dalam menguatkan ekonomi keluarga serta peran mereka dalam memperkuat ekonomi syariah di masyarakat.
ANALISIS POTENSI, TANTANGAN, DAN PROSPEK PENGEMBANGAN WISATA HALAL BERBASIS PERSEPSI GENERASI Z DI KOTA PASURUAN Nurul Rokhis Amelia; Aslikhah; Sukamto
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19841

Abstract

This study aims to analyze the potential, challenges, and prospects of halal tourism development based on Generation Z perceptions in Pasuruan City, particularly in the Pasuruan City Square as a public space with strategic value for Muslim-friendly tourism development. This research employs a qualitative approach with a phenomenological design to understand the subjective experiences and meanings of Generation Z regarding halal tourism. Data collection techniques include in-depth interviews with 10 informants selected through purposive sampling, supported by observation and documentation. Data analysis is conducted using an interactive model consisting of data reduction, data display, and conclusion drawing, with validity ensured through source and technique triangulation. The findings reveal that Pasuruan City Square has strong potential as a halal tourism destination based on public space through the integration of recreational, social, and religious functions, supported by pilgrimage activities, the availability of worship facilities, and good accessibility. However, its development still faces several challenges, including suboptimal facility quality, environmental cleanliness issues, inadequate spatial management, and the absence of formal halal standardization. On the other hand, the development prospects are highly promising, driven by Generation Z’s adaptability to technology and the significant influence of social media in shaping travel interest. Therefore, an integrated development strategy is required, including improving service quality, strengthening halal identity, and optimizing digital promotion.
Analysis of the Implementation of the Halal Value Chain in MSMEs as an Effort to Strengthen the Halal Industry Ecosystem in Purwodadi District, Pasuruan Regency. Nadia Ibrahim; Aslikhah; Sukamto
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19853

Abstract

This study aims to analyze implementation of the halal value chain among MSMEs in Purwodadi District, including the level of understanding and awareness of business actors, the challenges encountered, and efforts to optimize the strengthening of the halal industry ecosystem. This study employs a descriptive qualitative approach. Data collection was carried out through in-depth interviews, observation, and documentation involving ten MSME actors. The data were subsequently analyzed using data reduction, data display, and conclusion-drawing techniques. The findings indicate that the implementation of the halal value chain has been carried out within the framework of national regulations and supported by halal certification policies; however, it is not yet fully integrated. The understanding and awareness of MSME actors vary, where some have implemented halal principles comprehensively, while others are still limited to basic aspects such as hygiene and product safety. The implementation across value chain stages also shows varying levels of application. The main challenges include limited digital literacy, insufficient understanding of the halal concept, uneven halal certification ownership, limited mentoring support, and suboptimal utilization of digital marketing. Optimization efforts are needed through improving digital literacy, strengthening halal understanding, enhancing mentoring programs, and developing digital-based marketing to ensure a more effective and sustainable implementation of the halal value chain.
Peran Literasi Keuangan Islam terhadap Perilaku Keuangan Siswa Evi Nailur Rokhmah; Abdillah Mundir; Sukamto Sukamto; Fateemah Aleemama
Jesya Vol 9 No 2 (2026): ARTICLES : RESEARCH JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2705

Abstract

Penelitian ini dilatarbelakangi oleh pentingnya literasi keuangan Islam dalam membentuk perilaku keuangan siswa pada lingkungan pendidikan berbasis Islam, di tengah masih adanya kecenderungan perilaku konsumtif meskipun siswa telah memiliki pemahaman dasar mengenai pengelolaan keuangan. Penelitian ini bertujuan untuk menganalisis peran literasi keuangan Islam dalam membentuk perilaku keuangan siswa di Muslimeen Suksa School Hat Yai, Thailand, serta mengidentifikasi kesenjangan antara pemahaman dan praktik keuangan siswa. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus melalui teknik wawancara mendalam, observasi, dokumentasi, dan kuesioner pendukung. Hasil penelitian menunjukkan bahwa literasi keuangan Islam berperan dalam membentuk perilaku keuangan siswa, terutama dalam kemampuan membedakan kebutuhan dan keinginan, membiasakan menabung, serta menghindari perilaku konsumtif. Nilai-nilai Islam seperti amanah, kesederhanaan, dan tanggung jawab juga terinternalisasi dalam praktik keuangan sehari-hari. Namun, temuan utama penelitian ini menunjukkan adanya cognitive-behavioral gap, yaitu kesenjangan antara pemahaman normatif siswa terhadap prinsip keuangan Islam dengan praktik nyata pengelolaan keuangan sehari-hari. Sebagian siswa telah memahami pentingnya menabung, pengendalian konsumsi, dan larangan israf, tetapi belum mampu menerapkannya secara konsisten akibat pengaruh lingkungan sosial, gaya hidup, dan lemahnya kontrol diri. Penelitian ini menegaskan bahwa efektivitas literasi keuangan Islam tidak hanya ditentukan oleh aspek pengetahuan, tetapi juga oleh keberhasilan internalisasi nilai syariah menjadi kebiasaan finansial yang berkelanjutan. Temuan ini memberikan kontribusi ilmiah melalui penegasan konsep cognitive-behavioral gap sebagai faktor utama dalam menjelaskan ketidaksesuaian antara pemahaman dan perilaku keuangan siswa.
Menjamin Kehalalan Produk Unggas: Analisis Sertifikasi Halal pada RPU King Broiler Mojokerto Muhammad Ghufron; Aslikha Aslikha; Sukamto Sukamto
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/75vgq685

Abstract

Halal certification in poultry slaughterhouses has become an important instrument in ensuring product quality, consumer protection, and compliance with halal regulations in Indonesia. The implementation of halal certification at King Broiler Poultry Slaughterhouse (RPU) Mojokerto reflects not only administrative compliance but also the integration of halal principles into operational management. Using a qualitative case study approach, data were collected through semi-structured interviews, direct observation, and documentation involving managers, halal slaughterers, and production workers. The analysis employed the Halal Product Assurance System (SJPH) framework, covering commitment and responsibility, materials, halal production process, products, and monitoring and evaluation. The findings indicate that the slaughtering process constitutes the most critical point in maintaining halal integrity, particularly regarding the condition of live chickens, slaughtering procedures, tool hygiene, and post-slaughter handling. Challenges remain in documentation management, workers’ understanding of halal standards, and the consistency of internal supervision. Strengthening efforts have been carried out through employee training, improved documentation systems, facility hygiene maintenance, and periodic evaluation. Consistent implementation of SJPH contributes to enhancing halal compliance, product quality, operational management, and consumer trust in poultry products.
sosialisasi prosedur dan manfaat pembiayaan emas bagi Nasabah di Bank Syariah Indonesia KCP Pandaan Pasuruan Hirda Prastira; Wirda Isti'anatuz Zulfa; Lailatul Maslakhah; Afidatu Aininnisa; Sukamto
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 8 No. 1 (2026): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v8i1.18664

Abstract

Public literacy regarding Sharia-compliant gold financing products is stillrelatively low, leading to misperceptions regarding the application procedures andbenefits of halal investments at Bank Syariah Indonesia (BSI) Pandaan Branch Office,Pasuruan. This community service activity aims to improve customer and prospectivecustomer understanding of the procedures, contracts, and economic and shariacompliant benefits of gold financing through a participatory and educational approach.The outreach program was conducted in November 2025 in the Pandaan area with thecoordination center at BSI Pandaan Branch Office, involving four implementers: Hirda,Wirda, Fida, and Lail. The implementation method included identifying needs throughinitial interviews, developing simple materials, educational presentations, two-waydiscussions, simulating the application process, distributing brochures, and evaluatingthrough a quick survey. The results of the activity showed a significant increase inparticipant understanding, including an increase in understanding of financingprocedures from 45% to 85%, understanding of benefits from 50% to 88%, and anincrease in interest in applying in the next three months from 35% to 72%. Thesefindings indicate that interactive educational methods based on simulations anddiscussions are effective in increasing literacy, reducing perceived process complexity,and increasing trust in financing products. However, this activity has severallimitations: participants can only be present in the bank area and the evaluation canonly be conducted within a short time. Overall, this program is a strategic effort toincrease knowledge about Islamic finance and halal investment culture in the Pandaancommunity.Keywords: Gold financing, Islamic financial literacy, educational socialization,Bank Syariah Indonesia, halal investment, Pandaan
An Analysis of Bank Syariah Indonesia's Mobile Banking Services in Attracting Customers in Pandaan, Pasuruan Afidatu Aininnisa; Sukamto Sukamto; Aslikhah Aslikhah
Journal Research of Social Science, Economics, and Management Vol. 5 No. 12 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i12.1475

Abstract

The development of digital technology has driven the transformation of banking services, including in the Islamic banking sector through the implementation of mobile banking. This study aims to analyze the mobile banking services of Bank Syariah Indonesia (BSI) in increasing the number of customers at KCP Pandaan Pasuruan. The research method used is a descriptive qualitative approach with a case study design. Data were collected through observation, interviews, and documentation, and analyzed systematically to obtain a comprehensive understanding of the implementation of digital services. The results show that BSI mobile banking services provide ease of access, time efficiency, and convenience in transactions, which positively influence public interest in becoming customers. Furthermore, features integrated with Islamic values such as ZISWAF and spiritual services offer competitive advantages that enhance customer trust and loyalty. However, several challenges remain, including uneven digital literacy, security concerns, and internet network limitations. Therefore, optimizing mobile banking services must be accompanied by digital education and system quality improvement. This study implies that sharia-based digital service innovation plays a strategic role in enhancing financial inclusion and increasing the number of customers.
Strategi Pemasaran Digital Syariah dalam Meningkatkan Preferensi Pembelian Ulang Konsumen Putri Dayana Putri Dayana; Sukamto; Aslikhah
Kartika: Jurnal Studi Keislaman Vol. 6 No. 3 (2026): Kartika: Jurnal Studi Keislaman (August)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i3.840

Abstract

This study aims to describe the Islamic digital marketing strategy applied by Abu 'Alwi Perfume Store in Sukorejo to enhance consumer repurchase preference. In the digital economy era, the integration of Islamic values such as shiddiq (honest), amanah (trustworthy), fathanah (intelligent), and tabligh (communicative) becomes key in building customer trust on digital platforms. The research employs a descriptive qualitative method with data collection techniques including observation, in-depth interviews, and documentation. The findings reveal that Abu 'Alwi Perfume Store successfully utilizes social media platforms such as TikTok, Instagram, Facebook, and WhatsApp to build an honest and transparent brand image. This strategy encompasses educational content, customer testimonials, and responsive services that reflect Islamic values. Consistency between digital promotions and actual product quality emerges as the primary factor driving customer loyalty and repurchase preference. Through this approach, the store not only increases sales but also strengthens emotional relationships and customer trust, thereby creating sustainable competitive advantage in an increasingly competitive digital marketplace. This research contributes to the development of a digital-based Islamic marketing model that remains relevant to contemporary consumer needs
Strategi Pemasaran Syariah Produk Tabungan Ukhuwah pada BPRS Daya Artha Mentari bagi Pelaku UMKM Halal Cendi Fibtia; Aslikhah; Sukamto
Kartika: Jurnal Studi Keislaman Vol. 6 No. 3 (2026): Kartika: Jurnal Studi Keislaman (August)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i3.870

Abstract

The development of the Islamic banking sector in the country forces financial institutions to adopt marketing tactics that are efficient and in line with Sharia principles. PT. BPRS Daya Artha Mentari introduced the Ukhuwah Savings product with a profit-sharing mechanism and a lottery program to attract public attention, especially for MSMEs that operate according to Sharia. Nevertheless, there are still obstacles such as low understanding of Islamic finance and public perception of the product. This study aims to evaluate the Islamic marketing approach as well as the Ukhuwah Savings services and ways to attract the interest of halal MSME actors in Pasuruan Regency. The method used is qualitative with a descriptive approach. Data were collected through observation, interviews, and documentation from informants from the marketing department and MSME customers based on Sharia. Research findings indicate that the implemented sharia marketing strategy already reflects the values of shiddiq, amanah, tabligh, and fathanah. The marketing process is carried out directly, through brochure distribution, as well as utilizing digital platforms such as WhatsApp and Instagram. The services provided are friendly, responsive, and adaptive through a pick-up system. This strategy is stated to be effective in increasing the interest of halal MSME actors in Tabungan Ukhuwah, although improvements are still needed in education, information transparency, and promotion strengthening to build trust and customer numbers sustainably.
Co-Authors Abdillah Mundir Afidatu Aininnisa Agung Prasetyo Amalia, Faridha Amang Fathurrohman Ana Mardinatul Ilmi Armadiana, Rodiyah Aslikha Aslikha Aslikha Aslikha Aslikhah Aslikhah Cendi Fibtia Dara Riska Alifia Dewi Arisa Fitria Dwi Utami Yesika Evi Nailur Rokhmah Faradiss, Wardah Farida, Alimatul Fateemah Aleemama Fatimah Az Zahirah Habibi, Ach. Hirda Prastira Ifdholul Maghfur iftiatul Farkhiyah Iltiham, Muhammad Fahmul Lailatul Maslakhah M Dayat M. Fathur Rozi Maslihatul Masfufah Maslihatul Masfufah Maulidiyah, Dewi Sari MIFTAKHUL JANNAH Mohammad Dayat Muhammad Dayat Muhammad Ghufron Muhammad Nizar Muhammad Taufik Kurohman Muyidin Nabila, Cantika Putri Nadia Ibrahim Nola Rahmah Nurul Rokhis Amelia Putri Dayana Putri Dayana Putri Nabila, Cantika Rif'iyatul Fahimah Siti Ida Yanti Siti Musfiqoh Siti Mutmainatul Rizki Sofiyah Nurus Sobah Solichah, Mar'atus Wati, Yuli Catur Wirda Isti'anatuz Zulfa Wulandari, Endang Putri