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All Journal Tasharruf : Journal of Islamic Economics and Business
Arifia, Kharina
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Economics, Econometrics & Finance

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Pengelolaan Dana Zakat untuk Pemberdayaan Pendidikan Anak Yatim Dhuafa : Indonesia Arifia, Kharina; Khoirunjannah, Dita
Tasharruf : Journal of Islamic Economics and Business Vol. 5 No. 1 (2024): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v5i1.432

Abstract

Ziswaf (Zakat, Infaq, Sadaqah and Waqf) is the practice of giving gifts or endowments in Islam. Ziswaf plays a very important role in teaching Islam in a social, economic and spiritual context. The Ziswaf program itself aims to facilitate the practice of Ziswaf in society. This program can take the form of a zakat, infaq, sadaqah and waqf collection program organized by social or religious institutions. The aim of this research is to examine how zakat funds are managed to empower the education of orphans and poor people in Yatim Mandiri Pasuruan. The research carried out in this study used qualitative methods with the aim of interpreting and describing the data in question. The qualitative method we use in this research is a literature study. Literature study is a research method in which information is sought through books, magazines and other literature. The Ziswaf program aims to facilitate the practice of ziswaf to make it easier and more effective and ensure its usefulness. managed well and used for purposes that are truly beneficial to society
Mekanisme Pembiayaan Berbasis Digital pada Fintech Syariah Peer To Peer Lending Misbah, Hanim; Bakhri, Saiful; Umami, Risa; Arifia, Kharina
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 1 (2025): Tasharruf : Journal of Islamic Economics and Business (Mei)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i1.1149

Abstract

The rapid advancement of information technology has significantly transformed financial services, giving rise to digital innovations such as Islamic Peer-to-Peer (P2P) Lending Fintech. This platform offers a Sharia-compliant financing alternative, primarily targeting Micro, Small, and Medium Enterprises (MSMEs) that often face barriers in accessing traditional bank loans. This study aims to analyze the digital financing mechanism within Islamic P2P lending, examining its regulatory framework, underlying Islamic contracts, operational structure, and key distinctions from conventional models. The findings indicate that Islamic P2P lending operates on core Sharia principles prohibiting riba (usury), gharar (uncertainty), and maysir (speculation) and utilizes contracts such as mudharabah (profit-sharing), musyarakah (joint venture), wakalah bil ujrah (fee-based agency), and al-qardh (benevolent loan). The study concludes that Islamic P2P lending enhances financial inclusion by providing accessible, transparent, and ethically structured digital financing, thereby supporting the growth of MSMEs and promoting the broader development of Indonesia's Islamic financial ecosystem.
Beyond Words: Bagaimana Kemampuan Berbahasa mendorong Inovasi dalam Strategi Pemasaran Digital Nadia, Sevia Ziyan; Arifia, Kharina; Masrukhin, Nuur Halimatus Sa'adiah; Fatah, M. Ikbal
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 2 (2025): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i2.1151

Abstract

Bahasa bukan hanya sekadar alat komunikasi , tetapi juga merupakan kunci untuk membuka pintu kreativitas dan inovasi dalam pemasaran digital. Dalam era globalisasi dan e-commerce lintas budaya, penguasaan berbagai bahasa tidak hanya membedakan suatu produk atau jasa, tetapi juga memungkinkan bisnis untuk membangun koneksi emosional yang lebih mendalam dengan konsumen di seluruh dunia. Artikel ini menganalisis hubungan antara kemampuan berbahasa dengan inovasi dalam strategi pemasaran digital serta bagaimana hal ini dapat diterapkan dalam konteks manajemen bisnis. Berdasarkan kajian literatur, dapat diidentifikasi bagaimana kemampuan berbahasa yang kuat dapat mendorong lahirnya ide-ide baru dalam strategi pemasaran digital, mempererat hubungan dengan konsumen, serta meningkatkan performa bisnis secara menyeluruh. Dalam era e-commerce lintas budaya, pemahaman terhadap nuansa bahasa dan budaya yang berbeda sangat penting untuk membangun merek yang kuat dan relevan di pasar global. Artikel ini juga akan membahas bagaimana kemampuan berbahasa dapat membantu bisnis dalam mengatasi tantangan-tantangan unik yang dihadapi dalam pemasaran digital lintas budaya.
Co-Authors Fatah, M. Ikbal Khoirunjannah, Dita Masrukhin, Nuur Halimatus Sa'adiah Misbah, Hanim Nadia, Sevia Ziyan Risa Umami Saiful Bakhri