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All Journal J-MABES Perspectives on Advanced New Generations of Global and Local Economic Horizons
Isma Nurrokhim
Institut Agama Islam Badrus Sholeh Kediri
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Implementation of Sharia Production Principles in the Production Process of Character Chocolate Toyibatussalamah Toyibatussalamah; Isma Nurrokhim; Ali Mahmud
J-Mabes: Jurnal Manajemen, Akuntansi, Bisnis Dan Studi Ekonomi Syariah Vol 3 No 2 (2025): J-MABES
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib Ngoro Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/j-mabes.v2i2.561

Abstract

The Sincan Coklat Home Industry is a home-based industry that produces character chocolate snacks. Sharia-compliant production principles emphasize not only efficiency and profitability but also the values ​​of halal certification, fairness, and social responsibility throughout the production process. The researcher aims to examine how the principles of sharia production, as proposed by Yusuf Qardhawi, can be practically implemented in the character chocolate manufacturing process within the Sincan Coklat home industry. This research employed a qualitative, conceptual, and descriptive approach, examining production practices in the field and linking them to Yusuf Qardhawi's theory of sharia economic production. This study shows that the Sincan Coklat home industry produces two products: jar chocolate and stick chocolate. The Sincan Coklat home industry has endeavored to implement sharia principles such as selecting halal raw materials, implementing a clean and safe production process, fair labor management, and avoiding practices containing elements of gharar, riba, and dharar. However, management improvements and halal certification are still needed to strengthen consumer trust. Thus, this research contributes to the development of the concept of halal production based on sharia values ​​in the home industry sector, in line with Yuuf Qardhawi's view of Islamic economics which is oriented towards welfare and blessings.
Interoperability of Digital Payment Platforms (QRIS) and its Effect on Micro, Small, and Medium Enterprise (MSME) Transaction Costs Isma Nurrokhim; Yuni Astriana Khamidah; Izzatun Maghfirah; Nenny Syahrenny; Nuzul Ibnu Hajar
Perspectives on Advanced New Generations of Global and Local Economic Horizons Vol. 1 No. 3 (2025): November, 2025
Publisher : CV. Get Press Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69855/panggaleh.v1i3.300

Abstract

The global shift toward digital payment platforms holds significant potential for Micro, Small, and Medium Enterprises (MSMEs), yet the fragmentation of these systems often creates costly interoperability barriers that impede operational efficiency and constrain growth. This research quantitatively assesses how the standardization initiative, specifically Indonesia’s Quick Response Code Indonesian Standard (QRIS), influences MSME transaction costs. Utilizing a quantitative design, the study synthesized secondary transactional data from Bank Indonesia (BI) and the National Payment Corporation of Indonesia (NPCI) (2019–2025) with primary survey data collected from approximately 1,200 MSMEs nationwide. Key variables analyzed included interoperability indices, actual transaction costs, operational efficiency, and adoption metrics. The findings conclusively demonstrate that QRIS interoperability leads to a quantifiable 3% to 5% reduction in transaction costs, drives a substantial increase in digital transaction volumes, and facilitates market expansion for MSMEs. Furthermore, operational efficiency and user trust were identified as critical factors mediating the positive relationship between interoperability and cost reduction. These results offer actionable evidence for policymakers and financial stakeholders dedicated to fostering MSME financial inclusion and catalyzing inclusive economic growth via robust digital infrastructure. Future studies should prioritize longitudinal analyses of interoperability’s long-term effects and effective strategies for bridging technological and literacy divides.
Co-Authors Ali Mahmud Izzatun Maghfirah Nenny Syahrenny Nuzul Ibnu Hajar Toyibatussalamah Toyibatussalamah Yuni Astriana Khamidah