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Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Tarbiyatut Tholabah Jl. Deandles No.1 Kranji, Paciran, Lamongan 62264 Jawa Timur
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Al-Musthofa: Journal of Sharia Economics
Published by Institut Agama Islam Tarbiyatut Tholabah Lamongan
ISSN : 26221977     EISSN : 26547228     DOI : https://doi.org/10.123/1234
Core Subject : Religion, Economy, Science, Social,
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Library & Information Science
This journal contains writings of research results or theoretical studies related to sharia economics, sharia finance and sharia banking.This journal is published by the Faculty of Economics and Islamic Business IAI Tarbiyatut Tholabah Lamongan. This journal is published in 2 (two) editions every year, June and Desember editions.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 124 Documents
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Integrasi Ekoteologi dan Maqashid Syariah dalam Tata Kelola Zakat Hijau: Analisis Green Zakat Framework Indonesia A Afif Amrullah; Roibin; M Lutfi Mustofa
Al-Musthofa: Journal of Sharia Economics Vol. 8 No. 2 (2025): Al Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v8i2.4593

Abstract

The global climate crisis requires multi-stakeholder collaboration and resource allocation, including optimizing zakat for environmental sustainability. The aim of this research is to analyze the Green Zakat Framework released by Badan Amil Zakat Nasional (BAZNAS), Bank Syariah Indonesia (BSI), the United Nations Development Programme (UNDP), and IPB University. This research is a literature review using a descriptive-analytical approach. The results demonstrate that the integration of ecotheology and maqasid sharia serves as a legitimate basis for developing green zakat governance in Indonesia, which is not only viewed as a socio-economic obligation but also has an environmental sustainability dimension. Its implementation is translated into four pillars of zakat governance: collection, management, distribution, and reporting, oriented towards hifz al-bi'ah (environmental protection) and the achievement of the sustainable development goals (SDGs).  
Strategi Pemasaran Bank Syariah Indonesia KCP Lamongan dalam Meningkatkan Produk Gadai Emas Khurul Aimmatul Umah; Moh. Sahlul Khuluq; Shoffi Rohmatul Umah
Al-Musthofa: Journal of Sharia Economics Vol. 8 No. 2 (2025): Al Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v8i2.4105

Abstract

Penelitian ini bertujuan untuk mendeskripsikan strategi pemasaran yangditerapkan Bank Syariah Indonesia (BSI) KCP Lamongan dalam meningkatkanproduk gadai emas serta menilai efektivitasnya. Metode penelitian yang digunakanadalah pendekatan kualitatif dengan jenis studi kasus. Data diperoleh melaluiobservasi, wawancara, dan dokumentasi, kemudian dianalisis dengan tahapanpengumpulan data, reduksi data, penyajian data, serta penarikan kesimpulan. Hasilpenelitian menunjukkan bahwa BSI KCP Lamongan menerapkan strategi pemasaranmelalui segmentasi, targeting, positioning (STP), dan bauran pemasaran (produk,harga, tempat, promosi). Strategi unggulannya adalah harga ujrah yang relatifmurah, proses transaksi cepat dan mudah, lokasi strategis, serta promosi aktifmelalui media sosial, brosur, dan kerjasama dengan agen. Efektivitas strategi dinilaicukup tinggi, terbukti dari meningkatnya jumlah nasabah dan volume transaksigadai emas setiap tahunnya.
Determinan Hak Amil Pada BAZNAS Kota Makassar Periode 2019-2023 Nur Hadiyatul Husna; Nurfiah Anwar; Trisno Wardy Putra
Al-Musthofa: Journal of Sharia Economics Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v1i9.4641

Abstract

This study aims to analyze the factors that influence the amount of amil rights at the National Zakat Agency (BAZNAS) of Makassar City during the 2019–2023 period. This study uses a quantitative approach with multiple linear regression analysis methods. The data used are secondary data from the monthly financial reports of BAZNAS Makassar City. The data analysis techniques used are descriptive statistical analysis, classical assumption tests, multiple linear regression analysis, determination tests (R2), and hypothesis testing using SPSS 23 software. The results of the study indicate that partially, the variables of zakat collection, infaq/alms distribution, and operational costs have a significant positive effect on amil rights. The zakat distribution variable has a significant negative effect on amil rights and the infaq/alms collection variable has no effect on amil rights. While simultaneously, the five variables have a significant effect on amil rights.
Determinasi Keputusan Menabung Gen Z pada Bank Syariah Dinda Mutiara Putri Addini Aslam; Zubaidah Nasution
Al-Musthofa: Journal of Sharia Economics Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v1i9.4733

Abstract

The purpose of this study is to analyze the influence of Sharia Financial Literacy and Trust on Gen Z's Decision to Save in Sharia Banks. This study is a quantitative study using primary data. The population of this study is Generation Z in Surabaya who already have income or are working. The sampling technique used is purposive sampling, and 125 respondents who meet the criteria were obtained as research samples. Data was collected using a survey method through the distribution of questionnaires via g-form. This study used a Likert scale to measure variables. The data analysis techniques used were descriptive analysis and inferential analysis with the help of the Partial Least Square (PLS) program. The results showed that Islamic financial literacy and trust had a significant and positive effect on the decision to save in Islamic banks.
Analisis Short Selling dalam perespektif Maqashid Shariah: Implikasi Etis dan Ekonomi Muhammad Aly Mahmudi; Moh. Sahlul Khuluq; Shofiyah
Al-Musthofa: Journal of Sharia Economics Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v1i9.4898

Abstract

Tujuan dari penelitian ini adalah untuk mengkaji implikasi etis dan ekonomi dari short selling dari sudut pandang Maqasid Shariah, serta untuk menyelidiki bagaimana praktik ini bertentangan dengan prinsip-prinsip Islam tentang keadilan dan stabilitas pasar Short selling dalam pasar keuangan modern menimbulkan banyak kontroversi dari perspektif hukum Islam, khususnya mengenai prinsip maqashid syariah. Literatur menunjukkan bahwa short selling mengandung elemen riba, gharar, dan maisir, yang dilarang dalam Islam. Fakta lapangan mengindikasikan praktik ini dapat menyebabkan volatilitas pasar dan ketidakadilan ekonomi. Penelitian ini menggunakan studi literatur kualitatif, mengkaji kitab klasik dan sumber kontemporer. Pertanyaan penelitian utama adalah bagaimana elemen-elemen short selling bertentangan dengan maqashid syariah dan apa implikasi etis dan ekonominya. Temuan menunjukkan bahwa short selling melanggar prinsip keadilan dan stabilitas pasar dalam Islam, memerlukan regulasi ketat untuk memastikan kepatuhan syariah.
Model Inovasi Penggalian Sumber Pendapatan Non-Akademik dalam Mendukung Kemandirian Keuangan PTKIN Badan Layanan Umum Nurul Setianingrum; Fatimatuzzahro; Risanda A. Budiantoro
Al-Musthofa: Journal of Sharia Economics Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v1i9.4971

Abstract

This study aims to analyze the management of non-academic revenue sources in State Islamic Higher Education Institutions with Public Service Agency status (PTKIN BLU), identify the challenges and opportunities for their development, and formulate a sustainable revenue innovation model. This research employed a qualitative approach using field research methods through in-depth interviews, observations, and documentation studies. The objectives of this study are to analyze the management and exploration of non-academic revenue sources in PTKIN BLU, identify challenges and opportunities in optimizing non-academic revenue sources, and identify innovation models that can be developed to sustainably increase non-academic revenue in PTKIN BLU. The findings indicate that the management of non-academic revenue has evolved toward a more professional and adaptive governance system, although it still faces institutional, human resource, and financial digitalization challenges. This study proposes the Integration and Accountability Model (I²A), which consists of structural innovation through strengthening business unit governance, collaborative innovation through strategic partnerships with industries and Islamic financial institutions, and sustainable innovation oriented toward economic, social, and spiritual sustainability to support the financial independence of PTKIN BLU based on transparency and Islamic values.
Penerapan Layanan Prima untuk Meningkatkan Kepuasan Pelanggan dalam Perspektif Pemasaran Syariah: (Studi Kasus Di Toserba Sunan Drajat  Cabang Lasem) Elvidatul Mubariroh; Syamsir Alamsyah Harahap; Kurnia Cahya Lestari
Al-Musthofa: Journal of Sharia Economics Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v1i9.5001

Abstract

This study aims to determine the implementation of excellent service to increase customer satisfaction based on a sharia marketing perspective at Sunan Drajat Department Store, Lasem Branch. The research focuses on the implementation of excellent service, the implementation of sharia marketing values, and their impact on customer satisfaction. This study uses a qualitative approach with field research methods to obtain in-depth data. Data were obtained through interviews, observations, and documentation of managers, employees, and customers. The results show that excellent service is implemented through fast, accurate, friendly service, and a comfortable environment. Sharia marketing values ​​are also implemented through honesty, trustworthiness, fairness, good communication, and the provision of halal products. These implementations have a positive impact on customer satisfaction because customers feel comfortable, trustworthy, and satisfied when shopping.
Inovasi Layanan Digital Berbasis Syariah Sebagai Strategi Peningkatan Daya Saing Perbankan Syariah Indonesia Nur Sa'idaturrohmah; Anna Putri Syafitri
Al-Musthofa: Journal of Sharia Economics Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v1i9.5006

Abstract

The development of digital technology has brought major changes to the banking industry, including sharia banking in Indonesia. Bank Syariah Indonesia (BSI) as the largest sharia financial institution in Indonesia is required to continue to innovate digital products to increase competitiveness amidst increasingly fierce competition in the financial industry. This research aims to analyze digital product innovation implemented by Bank Syariah Indonesia and its impact on increasing the company's competitiveness. The research method used is a literature study by reviewing various scientific literature, journals, books and reports related to the digitalization of sharia banking. The research results show that digital innovations such as sharia mobile banking, online account opening, QRIS, digital payment services, and halal ecosystem integration are able to increase service efficiency, customer satisfaction, and expand BSI's market share. Apart from that, digital transformation also strengthens BSI's competitive position in facing the development of fintech and digital-based conventional banks. Thus, digital product innovation is an important strategy in increasing the competitiveness and sustainability of Bank Syariah Indonesia
Analisis Kesesuaian Akad Musyarakah Pada Program Balai Ternak Banjarjo Baznas Pacitan Helmi Laila Azizah; Malta Anatyasari
Al-Musthofa: Journal of Sharia Economics Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v1i9.5031

Abstract

This study investigates the applicability of the musyarakah contract in the Balai Ternak Banjarjo Program, which is managed by BAZNAS Pacitan. This is an essential issue since musyarakah is employed in a zakat-based livestock development program, along with Islamic financial institutions. The research employs a qualitative descriptive technique. The data were gathered through interviews, observations, and program documents, and then analyzed by comparing musyarakah practices to Islamic principles. The findings indicate that the musyarakah contract has been usually implemented in accordance with Islamic standards. BAZNAS offers funding, cattle, facilities, and mentorship, while members supply labor, cages, time, and livestock management. However, openness, reporting, administration, and oversight all require improvement. The study concludes that musyarakah may be used in zakat-based livestock empowerment programmes if justice, accountability, and transparency are maintained. The key consequence is that BAZNAS should tighten reporting and oversight in order to improve the program's adherence to Islamic values.  
The Role Of Government In Promoting The Growth Of The Halal Logistics Industry: A Systematic Literature Review From The Perspective Of Islamic Development Economics Abiyajid Bustami; Purwanti; Isna Yuningsih; Andi Martina Kamaruddin; Rabiatul Adawiyah
Al-Musthofa: Journal of Sharia Economics Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v1i9.5056

Abstract

The Role Of Government In Promoting The Growth Of The Halal Logistics Industry: A Systematic Literature Review From The Perspective Of Islamic Development Economics. This study examines the strategic role of government in the development of halal logistics through a Systematic Literature Review (SLR) of studies published between 2021 and 2025, applying PRISMA-based selection criteria to ensure the reliability and comprehensiveness of the review. The findings reveal a significant gap between the conceptual frameworks advocating government involvement in halal logistics and the fragmented, often underdeveloped, real-world policy implementation. Although literature widely acknowledges the importance of state intervention through regulation, infrastructure, education, and financing, actual practices in many Muslim-majority countries remain uncoordinated and inconsistent. This study integrates developmental state theory with Islamic economic principles and proposes a halal logistics policy framework aligned with national development strategies. Strengthening halal logistics governance requires coordinated government action, positioning it as a strategic instrument for inclusive and ethical Islamic economic transformation.

Page 12 of 13 | Total Record : 124

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