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All Journal Paradigma : Journal of Science, Religion and Culture Studies Jurnal Indo-Islamika Holistik: Journal For Islamic Social Sciences Al-Mustashfa Jurnal Ilmiah Ekonomi Islam Journal of Economics and Business UBS Jurnal Pengabdian kepada Masyarakat Jurnal Pengabdian Mandiri Journal of Mathematics Instruction, Social Research and Opinion Jurnal Perbankan Syariah Darussalam (JPSDa) Journal of Islamic Economics Lariba Inkubis: Jurnal Ekonomi dan Bisnis JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Bisnis dan Manajemen Economics Studies and Banking Journal Journal of Sharia Accounting and Tax (JSAT Multidiscience: Journal of Multidisciplinary Science Cirebon International Journal of Economics and Business Academia Open Contemporary Islamic Economic and Business Review Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN) Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Sri Rokhlinasari
UIN Siber Syekh Nurjati Cirebon
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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FAMILY BUSINESS "FROM HOME ONLY" DURING THE COVID-19 OUTBREAK IN INDONESIA: PROSPECTS AND STRATEGIES Jaelani, Aan; Yusuf, Ayus Ahmad; Layaman, Layaman; Aziz, Abdul; Rokhlinasari, Sri
Cirebon International Journal of Economics and Business Vol. 3 No. 2 (2025): Oktober 2025
Publisher : Faculty of Islamic Economics and Business IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cijeb.v3i2.190

Abstract

This article will explore the spread of COVID-19 which has an impact on the family economy in Indonesia. The lack of literature on family businesses during the economic crisis caused by the Coronavirus outbreak shows that this study is very important for family-run businesses. Business opportunities and prospects remain open to every family, but this requires a change in strategy in managing its business that is facing changes in work culture and the community's first choice in meeting needs. The qualitative method was used to read the initial phenomena about the family economic and business conditions of the COVID-19 in Indonesia with secondary data sources from reputable international publications, the Task Force for the Acceleration of Handling COVID-19 of Indonesian and WHO Coronavirus Disease, and the ideas of business practitioners. The conclusion of this paper is that the prospects of a family-run business are very open and even have the opportunity to succeed in the COVID-19 period by carrying out basic intervention dimensions that support smart, sustainable, and inclusive growth in family businesses: survival and longevity, firm growth, innovation, internationalization, and entrepreneurship.
Determinants of the Success of Zakat Utilization in Alleviating Poverty Candri Candri; Abdul Aziz; Sri Rokhlinasari; Abdul Rohman
Journal of Mathematics Instruction, Social Research and Opinion Vol. 5 No. 1 (2026): March
Publisher : MASI Mandiri Edukasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58421/misro.v5i1.1185

Abstract

Zakat has increasingly been recognized as a strategic Islamic economic instrument for poverty alleviation and social welfare development. However, the effectiveness of zakat in improving the economic conditions of mustahik remains inconsistent due to complex interactions among institutional, psychological, and economic factors. Despite extensive studies on zakat distribution and poverty reduction, few have examined the structural relationships among these factors using a comprehensive quantitative approach. Therefore, this study aims to analyze the determinants of successful zakat utilization in alleviating poverty. This study employs a quantitative approach using Structural Equation Modeling (SEM) to examine the relationships among key variables influencing zakat program effectiveness. The sample consists of 258 mustahik who participated in productive zakat programs in West Java, Indonesia. Data were collected via structured questionnaires using a five-point Likert scale and analyzed with AMOS. The results indicate that the proposed model demonstrates an acceptable level of goodness-of-fit, with values of CMIN/DF = 2.551, CFI = 0.902, TLI = 0.887, and RMSEA = 0.078. The findings reveal that organizational support significantly influences education, motivation, entrepreneurship, and economic empowerment, while education and motivation significantly contribute to economic empowerment. Furthermore, economic empowerment directly contributes to poverty alleviation, suggesting that productive zakat programs can generate sustainable welfare improvements when supported by robust institutional mechanisms. These findings suggest that zakat institutions should strengthen capacity-building programs, entrepreneurial mentoring, and integrated empowerment strategies to enhance the long-term effectiveness of zakat in alleviating poverty.
Strategi Peningkatan Kinerja Karyawan BTN Syariah KCPS Plered Cirebon Khamidah; Sri Rokhlinasari; Diana Djuwita
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 2 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i2.8

Abstract

This study aims to analyze the internal and external environment of BTN Syariah KCPS Plered and to identify appropriate strategies for improving employee performance using SWOT analysis. The research employs a qualitative approach with SWOT analysis as the main analytical framework. Primary data were collected through observation, interviews, and documentation, while secondary data were obtained from company records, literature, and journals. The data analysis process involved data collection, data reduction, data presentation, and conclusion drawing. To ensure data validity, a credibility test using source triangulation was applied to examine the issues identified in the research subjects. The results indicate that, internally, the main strengths of BTN Syariah KCPS Plered include competent human resources, an Islamic work culture, and strong managerial support. The identified weaknesses consist of limited continuous training programs, unequal workload distribution, and a less optimal performance evaluation system. Externally, the bank’s opportunities include the increasing public interest in Islamic banking products and supportive government policies, while threats come from intense competition among Islamic banks and fluctuations in national economic conditions. Employee performance improvement strategies at BTN Syariah KCPS Plered are formulated based on the results of the SWOT analysis. The SO (Strength–Opportunity) strategy utilizes internal strengths to seize external opportunities by enhancing service quality and developing innovative Islamic banking products. The WO (Weakness–Opportunity) strategy focuses on improving employee competencies through continuous training and development programs. The ST (Strength–Threat) strategy aims to strengthen customer loyalty amidst growing competition, while the WT (Weakness–Threat) strategy emphasizes maintaining productivity stability through workload management, enhancing supporting facilities, implementing digital monitoring systems, and conducting regular employee coaching.
Determinasi Struktur Modal pada Bank Umum Syariah di Indonesia: Peran Pertumbuhan, Profitabilitas, dan Tangibilitas Asti Adhariyah Febriyanti; Sri Rokhlinasari; Nining Wahyuningsih
CIEBER: Contemporary Islamic Economic and Business Review Vol. 2 No. 1 (2026): Kinerja Keuangan Lembaga Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v2i1.13

Abstract

This research was conducted to find out whether or not there is an influence of growth rate, profitability and tangibility on the capital structure of Sharia Commercial Banks in Indonesia for the 2020-2023 period. This research is quantitative with the sample used is 10 Islamic commercial banks in Indonesia in the period 2020-2023 which have the highest assets in that period. The data collection technique uses secondary data obtained from financial reports from each related bank website according to the period used. The software used in the data processing process of this research is IBM SPSS Statistic 26. This research uses independent variables in the form of growth rate (X1), profitability (X2), tangibility (X3) and uses the dependent variable, namely capital structure (Y). The result of testing partially growth rate variable has insignificant effect on capital structure with significance value 0.805 (>0.05) with positive direction. Profitability variable partially has significant effect on capital structure with significance value 0.043 (<0.05) with negative direction. Tangibility variable partially has insignificant influence on capital structure with significance value 0.241 (>0.05) with positive direction. Simultaneous testing between the dependent variable and the independent variable produces a singnification level of 0.128 (>0.05) which means that the growth rate, profitability and tangibility have no significant effect on capital structure.
MODEL PENGEMBANGAN UMKM EKONOMI KREATIF BERBASIS ISLAMIC ENTREPRENEURSHIP DI KOTA CIREBON Hikam Muhtadi Zuhdi; Wartoyo; Sri Rokhlinasari
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Creative economy is a new economic concept that combines information and creativity by relying on ideas, concepts and knowledge from human resources as factors of production. In economic studies, there are four factors of production: natural resources, human resources, capital, and orientation or core management or the heart of the creative economy. However, there is still no model that can bridge the needs of economic innovation with a commitment to Islamic principles such as honesty, trustworthiness, social responsibility, and the blessings of business. Research objectives: (1) To identify, analyse, and examine the characteristics of MSMEs in Cirebon City from an Islamic entrepreneurship perspective. (2) To identify, analyse, and examine the strategies of the Cirebon City Government in developing a creative economy based on Islamic entrepreneurship in MSMEs in Cirebon City. (3) To formulate a model for developing a creative economy based on Islamic entrepreneurship in MSMEs in Cirebon City. This research uses a qualitative descriptive approach, which will describe a phenomenon that is currently occurring, focusing on issues that arise during the research. The results of this study are: (1) MSMEs in Cirebon City have essentially internalised the values of Islamic Entrepreneurship in practice, although they have not formally identified themselves as Islamic entrepreneurs, (2) strategies for developing MSMEs, such as training, exhibition facilitation, and capital assistance, by integrating Islamic values.(3) The model proposed in this study is the Islamic Quadruple Helix Model, which integrates four main pillars, namely the government, academia, business actors/SMEs, and the Islamic community.
Halal Production and Efficiency in Realizing the Value of Economic Blessings: A Study of the Islamic Economics Literature: Produksi Halal dan Efisiensi dalam Mewujudkan Nilai Keberkahan Ekonomi Studi Pustaka Ekonomi Syariah Surasa, Danil; Rokhlinasari, Sri; Haerisma, Alvien Septian
Academia Open Vol. 11 No. 1 (2026): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.11.2026.13801

Abstract

General Background: Islamic economics emphasizes that economic performance is evaluated not only by profit and efficiency but also by ethical and spiritual values. Specific Background: Halal production extends beyond legal compliance toward moral responsibility, while sharia efficiency integrates optimal resource use with justice, sustainability, and maqāṣid al-sharī‘ah. Knowledge Gap: Prior studies largely examine halal production, efficiency, and economic blessings separately, leaving their conceptual interrelationship insufficiently articulated in a systematic framework. Aims: This study analyzes the conceptual linkage between halal production and sharia efficiency in realizing economic blessings within Islamic economic literature. Results: The findings indicate that halal production promotes the formation of sharia efficiency encompassing process, distribution, and value dimensions. Sharia efficiency functions as a mediating construct connecting halal production to economic blessings, reflected in business sustainability, equitable benefit distribution, and improved welfare. The three constructs exhibit an integrative and mutually reinforcing relationship within a maqāṣid-based framework. Novelty: The study proposes a conceptual model positioning sharia efficiency as the central linkage that operationalizes the relationship between halal production and economic blessings. Implications: This integrative perspective provides a foundation for advancing Islamic economic theory and offers a conceptual basis for developing value-oriented halal industry practices and future empirical research. Highlights• Demonstrates integrative linkage among three core constructs within a maqāṣid framework• Identifies mediating role connecting production principles and welfare outcomes• Establishes value-oriented optimization as a basis for sustainable economic welfare KeywordsHalal Production; Sharia Efficiency; Economic Blessings; Maqasid; Sustainability
Islamic fintech, financial inclusion, and MSME sustainability: Evidence from a mixed-method study in Indonesia’s digital economy Widagdo, Ridwan; Rokhlinasari, Sri; Wartoyo, Wartoyo
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art11

Abstract

IntroductionMicro, Small, and Medium Enterprises play a critical role in economic development, employment generation, and inclusive growth, particularly in developing countries. Despite their importance, many MSMEs face persistent barriers in accessing formal financial services, which limits their ability to sustain and scale their businesses. The emergence of Islamic financial technology offers an alternative pathway by providing digital, sharia-compliant financial services that can enhance financial inclusion and support sustainable business practices.ObjectivesThis study aims to analyze the role of Islamic fintech in improving financial inclusion and its impact on MSME sustainability. It also examines the mediating role of financial inclusion in the relationship between Islamic fintech and sustainable MSME performance within a digital business environment.MethodThe study employs a mixed-method approach using a sequential exploratory design. Qualitative data were collected through in-depth interviews with MSME stakeholders in Region III Cirebon, Indonesia, while quantitative data were obtained from 96 MSMEs using structured questionnaires. The analysis combines qualitative thematic interpretation with quantitative modeling using Structural Equation Modeling with Partial Least Squares to test the proposed relationships among variables.ResultsThe findings indicate that Islamic fintech has a positive and significant effect on financial inclusion, while financial inclusion significantly enhances MSME sustainability. The results also confirm that financial inclusion mediates the relationship between Islamic fintech and MSME sustainability, suggesting that the impact of Islamic fintech operates indirectly through improved access to financial services. Qualitative findings further reveal that sustainable MSME models emphasize digital transformation, institutional support, and integration of economic and social practices.ImplicationsThe study highlights the importance of strengthening Islamic fintech ecosystems to improve financial access and support MSME sustainability. It also underscores the need for policies that promote financial literacy, digital readiness, and regulatory support to maximize the benefits of fintech adoption.Originality/NoveltyThis research contributes to the literature by providing empirical evidence on the mediating role of financial inclusion in the relationship between Islamic fintech and MSME sustainability. It offers a comprehensive perspective by integrating qualitative and quantitative approaches within the context of a developing economy.
Strategi Penguatan Kualitas Laporan Keuangan Masjid dan Pondok Pesantren di Indonesia Enjang Ryan Firmansyah; Sri Rokhlinasari; Alvien Septian Haerisma
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.v12i3.19604

Abstract

The purpose of this study is to examine strategies to improve the quality of financial reports for mosques and Islamic boarding schools in Indonesia. The method used is qualitative research with a library research approach. The data analysis technique used in this study is content analysis, namely by examining in depth the contents of various literature to identify concepts, patterns, and relationships between variables related to strengthening the quality of financial reports. The results indicate that several mosques and Islamic boarding schools are among the institutions that play a role in implementing Islamic economics in Indonesia. However, both institutions still face challenges in preparing financial reports. This is indicated by the presence of several mosques and Islamic boarding schools whose financial reports do not meet standards. The proposed strategy for strengthening financial report quality in this study consists of three: first, optimizing the accounting system. Second, improving the competency of human resources. Third, the need for management support.
Ibn Khaldun's Production Ethics and Islamic MSME Market Supply: A Civilizational Perspective Rosidah Rosidah; Nur Ela; Deni Prastiono; Sri Rokhlinasari; Alvien Septian Haerisma
Inkubis : Jurnal Ekonomi dan Bisnis Vol. 8 No. 2 (2026): INKUBIS Jurnal Ekonomi Dan Bisnis
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/inkubis.v8i2.250

Abstract

Background: The low halal certification rate among Indonesian MSMEs, with fewer than 10% of 64 million business units certified halal, and the sharia economic literacy rate of only 9.14%, indicate a weak internalization of Islamic production ethics in market offerings. Meanwhile, Ibn Khaldun’s thought, which contains strong values of Islamic production ethics, has not been sufficiently explored as a conceptual basis for strengthening Indonesian Islamic MSMEs. Objective: This study aims to analyze Ibn Khaldun’s concept of Islamic production ethics, examine its relevance to Islamic market offerings, and describe its implications for strengthening Indonesian sharia-compliant MSMEs. Method: This study employs qualitative library research with a historical-analytical approach. It systematically examines Ibn Khaldun’s ethical production thought through Muqaddimah as the primary source and relevant classical and contemporary Islamic economic literature as secondary sources, then contextualizes the findings within Indonesian sharia MSMEs. Results: The findings show that Ibn Khaldun’s production ethics is centered on ‘umran, which integrates labor value, ‘asabiyyah or social solidarity, justice, ethical efficiency, and civilizational sustainability. This study constructs a five-principle operational framework for Islamic production ethics applicable to Indonesian halal MSME market supply. Conclusion: Integrating ‘umran and ‘asabiyyah into MSME production orientation may address the dualism between Islamic identity and profit-driven conventional business practices.
EFEKTIVITAS PEMASARAN HIJABSTORY CABANG CIREBON Sri Rokhlinasari; Deyanti Deyanti
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 4 No. 1 (2016)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v4i1.753

Abstract

Abstrak Efektivitas pemasaran adalah sejauh mana perusahaan mencapai sasaran yang telah disepakati atau ditetapkan sebelumnya. Dengan demikian dapat diartikan bahwa apabila suatu pemasaran dapat dilakukan dengan baik sesuai yang direncanakan atau ditargetkan sesuai tujuan perusahaan yang telah ditetapkan maka dapat dikatakan efektif pemasarannya.  Dalam penelitian ini, mengangkat suatu permasalahan yaitu bagaimana strategi pemasaran yang dilakukan oleh Hijabstory dalam memasarakan produknya, bagaimana pertumbuhan pemasaran Hijabstory dan bagaimana efektivitas pemasaran pada Hijabstory. Tujuan analisis ini adalah untuk mengetahui strategi pemasaran Hijabstory yang meliputi bauran pemasaran, strategi bersaing, perluasan jaringan bisnis, dan suber daya manusia (SDM), untuk mengetahui pertumbuhan Pemasaran Hijabstory  dari tahun ke tahunnya selama 4 tahun terakhir, dan efektivitas pemasaran Hijabstory dari jumlah total omsetnya. Penelitian ini menggunakan pendekatan deskriptif kualitatif. Objek penelitian ini yaitu pada Hijabstory Cabang Cirebon. Jenis penelitian yang digunakan merupakan perpaduan antra penelitian kepustakaan dan penelitian lapangan yakni penelitian yang menyimpulkan data-data dilapangan berupa wawancara dan dokumentasi. Teknik pengumpulan data yaitu penelitian kepustakaan, wawancara, dan penelitian lapangan.Hasil dari penelitian ini adalah pemasaran Hijabstory menggunakan strategi pemasaran atau bauran pemasaran, pertumbuhan pemasaran Hijabstory mengalami peningkatan yang signifikan pada setiap tahunnya dan efektivitas pemasaran Hijabstory dari jumlah total omsetnya terus mengalami peningkatan, maka hal tersebut bisa dikatan efektif dalam pemasarannya. Karena dengan menggunakan strategi pemasara, petumbuhan pemasaran dan efektivitas pemasaran dari jumlah total omsetnya terus mengalami perkembangan dari tahun ke tahun yang signifikan. Kata kunci: Efektivitas, Pemasaran, Efektivitas Pemasaran                                                                           Abstract The effectiveness of marketing is the extent to which the objectives that have been agreed or previous set. Thus it can be interpreted that if marketing can be done as planned or at appropriate target objectives of the company that has been set, it can be effective in its marketing. The problem that the research investigated in this research are how marketing strategy that used by hijabstory in market its product, how the growth of hijabstory marketing and how the effectiveness of hijabstory marketing  in hijabstory. The aims of this research are to know marketing strategy of hijabstory that consist of mixed marketing, compete strategy, expansion of business network, and human resources (HR), to know the growth of hijabstory marketing in a year to year during 4 years, and the effectiveness of hijabstory marketing from the amount of its turnover.The method of this research is descriptive qualitative research. The object of this research is hijabstory in Cirebon region. Kinds of this research is mixed between library research and field research that conclude the result of research by  collecting data from interview and documentation. Thecniques of collecting data of this research are library research, interview and field research.The result shows that hijabstory marketing in this research used marketing strategy or marketing mixed, the growth of hijabstory marketing  increased significally in every year and  the effectiveness of hijabstory marketing from the amount of turnover has increased also,  it indicates that hijabstory marketing that the research investigated is effective in marketing perspective. Because by using marketing strategy, the growth of marketing and the effectiveness of marketing from the amount of turnover always increased from a year to year significally.  Keywords: Effectiveness, Marketing, The Effectiveness of Marketing 
Co-Authors Aan Jaelani Abdul Azis Abdul Aziz Abdul Aziz Abdul Rohman Adi Hidayat Ahmad Sihabuddin Alvien Septian Haerisma Alya Shafiyah Amaliya Tri Rahmadani Ani Indah Sari Anton Sudrajat Aris Budiman Asti Adhariyah Febriyanti Ayus Ahmad Yusuf Candri Candri Daniel Happy Putra Dea Rahmalia Deni Prastiono Dewi Astuti Deyanti Deyanti Diana Djuwita Elkoshly, Salim Enjang Ryan Firmansyah Erin Khairina Zulfah evi eriyanti Fitriani, Hilda Hikam Muhtadi Zuhdi imam maulana, imam Ishlaahi, Citra Nuur Khamidah Kusuma, Nurul Rahmah Layaman, Layaman Lestari, Mila Tiara Makmuri Ahdi Maria Jamilah Muhaimin, Rizal Navilah, Ila Neng Ulpa Apipah NINING WAHYUNINGSIH Nining Wahyuningsih Nur Eka Setiowati Nur Eka Setiowati, Nur Eka Nur Ela Nurmeinda Fikihana Rahayu, Fitri Desiyani Rahmadani, Dina Rahmalia, Dea Ridwan Widagdo Ridwannudin, Muhammad Ririn Nurnovita Sari Rosidah Rosidah Shidik Hamka Ghozali Soviana, Dina Surasa, Danil Teguh Saputra Tia Latifah Trisa Anggraeni Wartoyo Wartoyo