Garuda - Garba Rujukan Digital

Analysis of the Distribution and Sharia Compliance of Bank Muamalat’s Kuningan Branch “Soleh” (Hijrah Gold Solution) Product in the Digital Age Ela Nurlaela; Siti Aisah; Sri Rahayu; Misbahul Khoer; Sri Rokhlinasari; Septian Haerisma, Alvien
JURNAL ECONOMINA Vol. 5 No. 4 (2026): JURNAL ECONOMINA, April 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i4.1998

This study aims to analyze the distribution mechanism and sharia compliance of the Solusi Emas Hijrah (SOLEH) product at Bank Muamalat in the digital era. The research uses a qualitative descriptive approach with a case study design. Data were collected through in-depth interviews, documentation, and literature studies, and analyzed using data reduction, data display, and conclusion drawing techniques. The results show that the gold financing mechanism through SOLEH is conducted using murabaha and rahn contracts, both manually and digitally through the Muamalat DIN application. From a sharia perspective, the implementation has complied with the principles set by DSN-MUI and international standards, including asset ownership, price transparency, and contract clarity. The use of digital systems in this product also reflects the concept of constructive possession (qabd hukmi). However, continuous supervision is required to minimize potential uncertainty risks. This study contributes to the development of digital Islamic financial services while maintaining sharia compliance.

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

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

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

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

AbstrakÂ 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.Â 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 HijabstoryÂ 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.Â Kata kunci: Efektivitas, Pemasaran, Efektivitas Pemasaran Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â AbstractÂ 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 marketingÂ 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 byÂ 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 marketingÂ increased significally in every year andÂ the effectiveness of hijabstory marketing from the amount of turnover has increased also,Â 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. Â Keywords: Effectiveness, Marketing, The Effectiveness of MarketingÂ

Analisis Pengaruh Tingkat Bagi Hasil, Capital Adequacy Ratio (CAR), Dan Dana Pihak Ketiga Terhadap Pertumbuhan Deposito Mudharabah Pada Bank Muamalat Indonesia Periode 2015-2024 Dea Rahmalia; Alvien Septian Haerisma; Sri Rokhlinasari
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4548

This study aims to analyze the impact of the Profit-Sharing Rate, Capital Adequacy Ratio (CAR), and Third-Party Funds (DPK) on the growth of mudharabah deposits at Bank Muamalat Indonesia. The ARDL-ECM method is applied within this quantitative research to explore the inter-variable relationships more deeply. Through this framework, the study identifies both temporary short-term correlations and stable long-term relationships. The results indicate that, simultaneously, all three variables significantly influence the growth of mudharabah deposits. Partially, in the long run, all variables show a positive and significant effect, whereas in the short run, only DPK remains significant. These findings suggest that profit-sharing stability and capital strength play a crucial role in driving sustainable deposit growth, while short-term dynamics are more heavily influenced by fund-raising intensity. The novelty of this research lies in the use of the ARDL-ECM approach to detect differences in Sharia customer behavior toward banking indicators across two distinct timeframes

Optimalisasi Peran Baitul Maal Wa Tamwil (BMT) dalam Pemberdayaan Umkm: Pendekatan Maqashid Syariah dan Inklusi Keuangan Neng Ulpa Apipah; Ani Indah Sari; Sri Rokhlinasari; Alvien Septian Haerisma
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 4 No. 3 (2026): Juli : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v4i3.1902

This study investigates the role of Baitul Maal wa Tamwil (BMT) in empowering Micro, Small, and Medium Enterprises (MSMEs) through the integration of Maqashid Sharia principles and financial inclusion strategies. Despite the strategic importance of MSMEs in economic growth and poverty reduction, many face challenges in accessing formal financial services. BMT, with its dual function of social (maal) and commercial (tamwil) activities, offers a unique platform to bridge this gap. Using a qualitative systematic literature review guided by PRISMA, this study analyzes 30 relevant articles to examine BMT operational models, implementation of Maqashid Sharia objectives, financial inclusion practices, and their impact on MSME performance. Findings indicate that BMT effectively supports MSMEs in capital access, income generation, and business resilience, but inconsistencies in balancing social and commercial objectives limit. holistic empowerment. Integrating Maqashid Sharia principles enhances ethical and sustainable outcomes, while financial inclusion expands outreach to underserved entrepreneurs. Optimization strategies, including strengthening institutional capacity, combining financial and non-financial support, and context-specific interventions, are essential for maximizing BMT effectiveness. This study contributes a comprehensive framework linking ethical, financial, and empowerment dimensions, offering practical guidance for policymakers and BMT managers in promoting inclusive and sustainable MSME development.

Optimalisasi Peran Baitul Maal Wa Tamwil (BMT) dalam Pemberdayaan Umkm: Pendekatan Maqashid Syariah dan Inklusi Keuangan Neng Ulpa Apipah; Ani Indah Sari; Sri Rokhlinasari; Alvien Septian Haerisma
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 4 No. 3 (2026): Juli : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v4i3.1902

This study investigates the role of Baitul Maal wa Tamwil (BMT) in empowering Micro, Small, and Medium Enterprises (MSMEs) through the integration of Maqashid Sharia principles and financial inclusion strategies. Despite the strategic importance of MSMEs in economic growth and poverty reduction, many face challenges in accessing formal financial services. BMT, with its dual function of social (maal) and commercial (tamwil) activities, offers a unique platform to bridge this gap. Using a qualitative systematic literature review guided by PRISMA, this study analyzes 30 relevant articles to examine BMT operational models, implementation of Maqashid Sharia objectives, financial inclusion practices, and their impact on MSME performance. Findings indicate that BMT effectively supports MSMEs in capital access, income generation, and business resilience, but inconsistencies in balancing social and commercial objectives limit. holistic empowerment. Integrating Maqashid Sharia principles enhances ethical and sustainable outcomes, while financial inclusion expands outreach to underserved entrepreneurs. Optimization strategies, including strengthening institutional capacity, combining financial and non-financial support, and context-specific interventions, are essential for maximizing BMT effectiveness. This study contributes a comprehensive framework linking ethical, financial, and empowerment dimensions, offering practical guidance for policymakers and BMT managers in promoting inclusive and sustainable MSME development.

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