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Tasharruf: Journal Economics and Business of Islam
Published by Institut Agama Islam Negeri Manado
ISSN : 25280317     EISSN : 25280325     DOI : http://dx.doi.org/10.30984/febi
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Tasharruf: Journal Economics and Business of Islam is a publication forum for scientific journals related to Islamic economics and business (economic journals).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 139 Documents
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Navigating Barriers and Empowering Women in Sharia MSMEs: A Qualitative Study on Entrepreneurial Housewives in Samarinda Sari, Purnama; Mursyid, Mursyid
Tasharruf: Journal Economics and Business of Islam Vol 10, No 2 (2025): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i2.3841

Abstract

Women, particularly housewives, play an increasingly vital role in the development of Sharia-based micro, small, and medium enterprises (MSMEs). However, most existing studies focus on women’s entrepreneurship in general and seldom examine the specific barriers and empowerment experiences of housewives within the Sharia MSME context. This study aims to explore the challenges, empowerment strategies, and socio-religious dynamics experienced by entrepreneurial housewives in Samarinda. Using a qualitative literature review approach, this research synthesizes national and international studies published between 2000 and 2025. The analysis identifies four main dimensions shaping housewives’ participation in Sharia MSMEs: access to Islamic microfinance, digital literacy, social capital, and the internalization of Islamic ethical values in business practices. The findings show that while housewives hold a strategic role in fostering Sharia MSME growth, they face persistent constraints such as limited access to capital, low technological competence, and the double burden of domestic responsibilities. Nonetheless, religious motivation, community-based support systems, and Sharia-oriented social networks serve as strong empowerment enablers. The study concludes that sustainable empowerment of housewives in Sharia MSMEs requires integrative policies that enhance financial literacy, provide flexible Sharia-compliant microfinancing, and strengthen digital entrepreneurship training through community engagement. This research contributes new insights for policymakers, Islamic financial institutions, and women’s organizations aiming to promote inclusive, faith-based economic participation among housewives.
THE IMPLEMENTATION OF FISCAL FINANCE BY UMAR BIN KHATAB (AN ENFORCEMENT IN INDONESIA) Siri, Rusli; Abdullah, M. Wahyuddin; Tabe, Ridwan
Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v5i1.1026

Abstract

Umar bin Khattab is a Caliph who replaced the leadership of Abu Bakar after his death. Umar bin Khattab led the people starting in the year 13 AH/ 634 AD. Poverty is decreasing and the welfare of employees is guaranteed. This research uses a descriptive qualitative method by collecting the data from books such as history books of Islamic economic thought, the historical milestone of the economic thought of Umar Bin Al Khattab, and books such as ijtihad of Umar bin Khattab. The results of this study revealed that Umar was a leader who became a role model not only in government but managing the finances of the state was also an excellent exemplar of him. Because many leaders today who carry out the fiscal policy do not consider the benefit of the people, instead enrich themselves and their colleagues in a great deal. The fiscal policy of Umar is based solely on maslahah that is in accordance with the Qur'an and Sunnah. The policy regarding the salaries of the heads of state and soldiers is a new thing. Because in the ages of the Rasulullah and Abu Bakr had never made a payroll to the Head of State and the Army. This is a sign which shows that Islamic fiscal policy in the period of Umar was more advanced. 
ANALYSIS OF HALAL LABELLING TOWARDS PURCHASE QUANTITY AND CONSUMER SATISFACTION IN MAOMAO (THAI TEA) Atieq, Muhammad Qoes; Rizqi, Egin Goniyatur; Sindu, Rohani
Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v5i1.1145

Abstract

The development of halal industry is growing rapidly in various sectors so that it becomes a trend of human lifestyle throughout the world. Maomao (Thai Tea) is one of the UMKM that has not been certified as halal, which sells beverage products made from raw tea of Thailand that is rife among the public and is able to spread outlets quickly and broadly in the three regions of Cirebon. In this, case it is interesting to study consumer awareness of halal labels on food and beverages. The research conducted by the author aims to determine the effect of halal labeling on the quantity of purchase and customer satisfaction at Maomao UMKM in Cirebon City. The author uses research methods with a qualitative approach and descriptive analysis as well as approaches from various sources of literature, such as books, journals, reports, and previous reports on research outcomes. Based on the research carried out, according to the author's analysis halal labeling on Maomao (Thai Tea) does not affect the level of purchase and customer satisfaction. Because the majority of consumers have believed that Maomao (Thai Tea) has guaranteed halal for the product. This is known from the ingredients in producing Maomao (Thai Tea) (although for the Maomao brand itself has not been certified as halal) and hygienic manufacturing procedure. Through this paper, it is expected that the government or related parties to facilitate the process of halal certification, so that the businessmen prioritize halal labels on their products.
CASH WAQF AS A SOLUTION TO OVERCOME DROUGHT IN GUNUNG KIDUL REGENCY IN YOGYAKARTA PROVINCE Pusparini, Martini Dwi; Sobaya, Soya; Lubis, Sri Susanti Agustina
Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v5i1.1125

Abstract

Drought in Gunungkidul Regency is a problem that always occurs almost every year. It has led to humanitarian problems, and requires some appropriate mitigation efforts. Responding to the drought problem, the development of cash waqf in fact is potential to solve the problem. This study aimed at analyzing cash waqf management carried out by ACT Global Waqf in efforts to overcome drought in the Gunungkidul region. This is a field research in which, in this case, the object of research is cash waqf through the Waqf Program of Global well ACT Yogyakarta. Data obtained from eight informants who mastered the object of research, namely Waqf Well of ACT Global Waqf. Based on the results, the cash waqf has been manifested into Waqf Well as determined by Wakif. The efforts to prevent drought by ACT Yogyakarta Global Waqf, especially at three points of waqf wells, greatly helped communities affected by drought. This can be seen from the continued use of the drill well despite drought during the long dry season. The flow of water flowing remains smooth and clean, has not changed since it was built until now. Waqf well is one solution to the community for the freshwater needs, by providing the new water sources by looking for potential water sources and building the infrastructure. 
Business Strategies for Improving Sales in Muslim Garment Industry: A Case Study of Convection Work Saragih, Murniati Arinda; Yafiz, Muhammad; Tarigan, Azhari Akmal
Tasharruf: Journal Economics and Business of Islam Vol 10, No 2 (2025): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i2.3854

Abstract

This study aims to analyze the business development strategies of Royal Konveksi & Production, a Muslim fashion convection enterprise, to improve sales performance in Medan City. This research addresses the gap in understanding how SMEs in the Muslim fashion sector can formulate sustainable strategies amid increasing competition and digital transformation. The study employs a descriptive qualitative method, with data collected through observation, interviews, and documentation of business activities and stakeholder perspectives. SWOT analysis is applied to systematically identify the company’s strengths, weaknesses, opportunities, and threats. Findings reveal that Royal Konveksi’s strengths include high-quality products, affordable pricing, over nine years of operational experience, and strong institutional trust. Weaknesses involve dependence on institutional orders, reliance on certain suppliers, and limited logistics partnerships. Opportunities exist in growing demand for Muslim apparel, supportive government policies, and digitalization trends, whereas threats stem from intense market competition and fluctuating raw material prices. Recommended strategies include optimizing digital marketing, diversifying product lines, expanding retail channels, and enhancing cooperation with suppliers and logistics partners. This study contributes both theoretically and practically by providing a framework for sustainable business development strategies in the Muslim fashion sector, serving as a reference for SMEs and offering insights for academic research on SME growth and strategic management.
Sharia-Compliant MSMEs Development Strategy: Soar Approach in a Bakery Business in Tanjung Morawa Tanjung, Rizki Ramadhan; Yafiz, Muhammad; Rahmani, Nur Ahmadi Bi
Tasharruf: Journal Economics and Business of Islam Vol 10, No 2 (2025): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i2.3852

Abstract

This study aims to analyze the development of Sharia-compliant MSMEs by applying the SOAR (Strengths, Opportunities, Aspirations, Results) approach. Utilizing a qualitative case study methodology, data were collected through documentation, in-depth interviews with key stakeholders including the owner, employees, customers, and external observers, as well as direct observation to comprehensively address the research questions. The findings reveal that Roti Pakcik Tamora’s key strengths lie in consistent product quality, strong business integrity, and strict adherence to Sharia principles in all operational aspects. Strategic opportunities include the effective use of social media as a dynamic marketing tool and a rising public awareness and demand for halal products that the business can leverage. The business owner’s aspirations emphasize achieving economic success while also seeking blessings, justice, and widespread social benefits. As a result, the business has achieved measurable outcomes such as empowering the local workforce, increasing revenue, and fostering strong customer loyalty. The study concludes that the SOAR approach not only effectively integrates Sharia values into business strategies but also equips Sharia-compliant MSMEs to overcome challenges related to digitalization and market competition, fostering sustainable growth. Hence, the SOAR strategy is relevant and applicable as a replicable model for other Sharia-compliant MSMEs navigating the digital economy and halal marketing landscape.
Halal Digital Marketing Strategy to Increase Global Access for Sharia Micro, Small, and Medium Enterprises Hakim, Lukman; Iswanto, Bambang; Hafeez, Humairah
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3843

Abstract

The growth of the digital economy presents significant opportunities for Sharia Micro, Small, and Medium Enterprises (MSMEs) to reach global markets through halal-compliant digital marketing strategies. However, challenges such as limited digital literacy, low halal certification rates, and the weak integration of Islamic ethical values with modern marketing practices remain critical barriers. This study aims to identify and synthesize effective halal digital marketing strategies that enhance global access for Sharia MSMEs while highlighting the role of local wisdom as a contextual strength. Using the Systematic Literature Review (SLR) method, this research analyzed 30 indexed articles from reputable databases (ScienceDirect, Emerald, Taylor & Francis, ResearchGate, and SINTA) published between 2015–2025. The findings reveal that effective halal digital marketing strategies combine the integration of fiqh muamalah principles, halal branding and certification legitimacy, and digital empowerment through ethical use of e-commerce and social media. Moreover, local wisdom, such as community-based entrepreneurship, religious trust networks, and cultural authenticity, serves as a moderating factor that strengthens the sustainability and social acceptance of halal marketing initiatives. Mechanisms to overcome key challenges include targeted digital literacy training, government-backed halal certification support, and collaborative partnerships among MSMEs, academia, and Islamic financial institutions. This study contributes to the existing body of knowledge by offering an integrated model that bridges global halal marketing frameworks with localized cultural and ethical practices, providing a replicable reference for other regions. Future research should test the proposed model through mixed-method or experimental approaches to measure its effectiveness across diverse socio-economic and regional contexts.
Challenges and Opportunities of Digital Strategies in Culinary MSMEs in the Digital Era from an Islamic Perspective Tanjung, Hafiz Yazid; Nurbaiti, Nurbaiti; Jannah, Nurul
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3853

Abstract

This study aims to analyze the digital strategies implemented by the culinary MSME Dimsum Qoqom to improve business performance in Tanjung Mulia Hilir, Medan based on Islamic values. Using a descriptive qualitative approach, this study explores how the integration of digital technology and Islamic ethical principles is operationalized to strengthen the MSME’s competitiveness in a rapidly evolving market. Data were collected through semi-structured interviews with owners and employees, direct observation of daily digital operations, and documentation of marketing content and customer engagement. The analysis was carried out using the Miles and Huberman interactive model. The findings indicate that Dimsum Qoqom has effectively implemented digital marketing through social media promotion, online ordering platforms (e.g., WhatsApp and e-commerce food delivery services), and cashless payment systems to improve customer convenience. Islamic values are practically applied in several business practices such as ensuring fairness in pricing, clearly disclosing product ingredients and halal certification for transparency, and providing community support through discounted packages during religious events as a form of social responsibility. A SWOT analysis reveals internal strengths in the form of strong halal positioning and a loyal Muslim customer base, alongside opportunities for digital market expansion. This study concludes that a synergy between digital strategies and Islamic ethical implementation offers a promising approach to improving competitiveness and ensuring sustainable growth for culinary MSMEs in the digital era.
The Impact of Palm Oil Production and Islamic Financial Behavior on Farmers’ Welfare: the Moderating Role of Sharia Finance Literacy Aldino, Imam; Nurlaila, Nurlaila; Yanti, Nursantri
Tasharruf: Journal Economics and Business of Islam Vol 10, No 2 (2025): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i2.3864

Abstract

This study investigates the impact of palm oil production and Islamic financial behavior on farmers' welfare in Rantau Utara District, Labuhan Batu Regency, with Islamic financial literacy as a moderating variable. The study aims to bridge the gap between rising palm oil production levels and the persistent welfare disparities experienced by smallholder farmers, emphasizing the crucial role of financial literacy in translating Islamic economic values into effective financial management. A quantitative approach with purposive sampling was used for 85 respondents, and the data were analyzed using multiple linear regression and moderated regression analysis (MRA) to examine the relationships among variables. This method was chosen because it allows for identifying the direct influence of independent variables (palm oil production and Islamic financial behavior) on the dependent variable (farmers' welfare), as well as testing the moderating role of Islamic financial literacy. The results show that palm oil production has a significant positive effect on farmers' welfare (t = 6.633; p < 0.05), while Islamic financial behavior alone does not significantly influence welfare (p > 0.05). However, Islamic financial literacy significantly moderates and strengthens this relationship (p = 0.018), increasing the model's explanatory power from 35.1% to 41.7%. These findings highlight the importance of integrating Islamic financial literacy into rural development policies to enhance farmers' economic resilience and promote inclusive, sharia-compliant growth in Indonesia’s agricultural sector.
The Influence of Islamic Business Ethics Implementation in Building Customer Loyalty at PT. Askrindo Khotima, Husnul; Arif, Muhammad; Inayah, Nurul
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3905

Abstract

This study aims to analyze the influence of ethical principles in Islamic business practices on customer loyalty at PT Asuransi Kredit Indonesia (Askrindo) in In Medan. The research uses a quantitative approach with a survey method involving 100 active customers as samples. The measurement tool used in this study has been tested for validity and reliability to ensure that the data collected is trustworthy and reflects the existing reality. This method was chosen because it is deemed the most suitable for measuring the relationship between the independent variable, the application of Islamic business ethics principles, and the dependent variable, customer loyalty. Moreover, this method allows data to be collected and analyzed statistically using simple linear regression. The analysis results show that the application of Islamic business ethics principles has a significant impact on customer loyalty, reflected in an R-square value of 0.562 and a significance level of 0.000. These findings indicate that the higher the application of Islamic business ethics such as honesty, trustworthiness, fairness, and responsibility, the stronger the level of trust, satisfaction, and customer loyalty towards the company. Therefore, this study recommends that PT Askrindo strengthen the application of ethics principles in its operations by increasing transparency, improving service quality, and providing Islamic business ethics training to employees in order to further maintain and enhance customer loyalty.

Page 13 of 14 | Total Record : 139

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