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Ahmad Lutfi
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El-kahfi : Journal of Islamic economics
Published by Sekolah Tinggi Ekonomi Syariah Manna wa Salwa
ISSN : -     EISSN : 27226557     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Elkahfi : Jurnal Ekonomi Islam is a peer-reviewed and open-access platform that focuses on Islamic Economics and Business. The aim of Elkahfi is to be an authoritative source of information on it’s focused. The scope of Elkahfi are but strictly limited to: islamic economics; islamic banking and finance; islamic economic management; islamic economics law; management Zakat, Infaq, Shodaqoh, and Waqf; islamic entrepreneurship and business; islamic economics thought; islamic insurance; islamic accounting
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 133 Documents
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Assessing Mosque-Based Zakat Fitrah Collection: Legal and Sharia Perspectives from Rural Indonesia Elvia, Siti; Amri Syahputra Sir, Ali; Latifah Zahira, Hana; Cahyati, Cyce; Jazila, Aliya; Riani, Julita; Sophia Intan, Angel
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.467

Abstract

This study investigates the implementation of zakat fitrah collection at Masjid Baiturrahim, Pulau Batu Hamlet, Jujuhan Ilir Subdistrict, through the lens of Islamic law. The research aims to evaluate whether the procedures carried out by mosque administrators align with Islamic legal principles, especially concerning the appointment of zakat administrators (amil), distribution methods, and compliance with the eight rightful recipients (asnaf). Using a qualitative descriptive approach, data were collected through observation, interviews, and documentation involving mosque management and local residents. The findings reveal that while the collection and distribution of zakat fitrah are driven by strong religious values and community participation, several elements deviate from Islamic jurisprudence. Notably, there is no formal appointment of amil, distribution does not fully consider all eight asnaf as mentioned in Qur’an Surah At-Taubah: 60, and the measurement of zakat (rice) lacks uniformity. These findings align with previous studies that highlight similar challenges in rural zakat practices, where traditional management often overshadows formal institutional structures. The discussion draws upon relevant Qur’anic verses, Hadiths, and scholarly opinions from classical and contemporary Islamic economists and jurists to assess the implications of the findings. It is recommended that mosque-based zakat management be integrated with recognized zakat institutions and follow standardized guidelines to enhance accountability and social impact. Strengthening legal literacy among community leaders and residents is also essential to ensure that the religious objectives of zakat—purification, justice, and welfare—are fully realized. This study contributes to ongoing efforts to improve grassroots zakat management in accordance with Sharia principles
Islamic Legal Perspectives on Local Traditions during Ramadan: A Case Study of Kanagarian Kamang Baru Wafa Hidayatullah, A; Rades Putra, Auzai; Khaldi, Refli; Hamdani, Ripi; Amin, Muhammad
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.468

Abstract

This study investigates the integration between local customs (adat) and Islamic law (Sharia) in the context of Ramadan traditions in Kanagarian Kamang Baru, West Sumatra. Employing a qualitative ethnographic approach combined with normative Islamic legal analysis, the research explores how rituals such as balimau (pre-Ramadan purification), mangaji pasia (Qur'anic memorization by the sea), and inter-jorong communal iftar serve not only as cultural expressions but also as vehicles for religious devotion and communal identity. Data were gathered through observation, in-depth interviews with religious and customary leaders, and document analysis of local religious texts and practices. The findings demonstrate that while certain elements—particularly in balimau—pose ethical concerns from the standpoint of Islamic law (e.g., gender mixing), the community reconciles these practices through local interpretations rooted in ʿurf (custom). The synthesis between adat and Sharia is framed within the objectives of Islamic law (maqāṣid al-sharīʿah), emphasizing the values of purification, education, and social harmony. This research confirms that local traditions can enrich Islamic practice without violating its core principles, as long as proper ethical boundaries are maintained. The study contributes to the growing discourse on Islam Nusantara and advocates for context-sensitive Islamic legal frameworks that appreciate cultural diversity while upholding normative Islamic values. This paper underscores the role of religious scholars and traditional leaders in facilitating a balanced interpretation that resonates with both religious orthodoxy and local cultural wisdom.
Indicators of Sharia-Compliant Hotels as a Strategy for Advancing Halal Tourism in Blitar Raya Farih Fahmi, Moh; Hanif Fajrin, Ahmad; Syaifuddin, Rahmad; Mutafarida, Binti
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.469

Abstract

Indonesia seeks to establish itself as a leading global destination for inclusive tourism based on Islamic values, one of which is the provision of sharia-compliant hotels, particularly in the Blitar Raya region. Such accommodations have significant potential to attract Muslim travelers who seek comfort and peace aligned with sharia principles. While Muslim-friendly tourism ensures basic amenities—such as prayer spaces and halal food—sharia hotels provide a more comprehensive implementation of Islamic values across all aspects of service and management. This study investigates the urgency of developing sharia-compliant hotels in Blitar Raya as a strategic driver for advancing Muslim-friendly tourism. It also aims to formulate a set of feasibility indicators that align with Islamic principles. Using a qualitative research design, this study adopts a phenomenological approach grounded in the framework of maqāṣid al-sharīʿah to assess both the necessity and criteria for Muslim-friendly hotel development. Findings reveal that while the demand for sharia-compliant hotels in the region is growing, there is no standardized framework to guide their implementation. Therefore, measurable and practical indicators are essential for evaluating hotel readiness and promoting consistent standards. These indicators include physical elements (e.g., halal food, worship facilities) and non-physical factors (e.g., Islamic service ethics, management style, and environment). The study contributes by proposing ten weighted indicators for assessing the suitability of hotels in Blitar Raya for Muslim tourists. This framework serves to enhance service quality, support tourism development, and strengthen Indonesia’s role as a global Muslim-friendly tourism.
The Role of Pesantren in Economic Empowerment of the Ummah: A Qualitative Descriptive Study in Indonesia Hakim, Lukman; Zikrifah, Amelia; Rahma Melati, Tri; Tresnawati, Dewi; Karti, Karti; Kresnapatty, Duva
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.473

Abstract

Pesantren, or Islamic boarding schools, hold strategic potential in advancing the economic empowerment of Muslim communities in Indonesia, particularly in rural and underserved regions. This study investigates how pesantren contribute to the economy of the ummah through institutional business practices, student entrepreneurship incubation, and community integration. Employing a qualitative descriptive approach, data were collected from three pesantren in Java through in-depth interviews, observations, and document analysis. The findings reveal three major themes: (1) pesantren serve as localized economic actors by managing small-scale agribusinesses and cooperatives, although most lack formal business structures; (2) some pesantren have developed business incubator programs to train santri in entrepreneurship, though these remain informal and unsupported by structured curricula; and (3) strategies to enhance pesantren’s economic role include capacity building, stakeholder collaboration, digital transformation, and alignment with national policies. These findings are analyzed in light of Islamic economic principles, maqashid shariah, prophetic traditions, DSN MUI regulations, and scholarly perspectives on Islamic entrepreneurship. The study concludes that while pesantren have great potential as agents of economic empowerment, sustainable impact requires institutional reform, structured educational integration, and systemic policy support.
The Contribution of UIN SATU Tulungagung to MSME Welfare in Plosokandang Village: An Islamic and Positive Law Perspective Indah Febriana, Nina; Nanda Putri Pangestu, Khofifah
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.480

Abstract

The contribution of higher education institutions to the development of micro, small, and medium enterprises (MSMEs) plays a strategic role in enhancing community welfare and strengthening the local economy. This study investigates the involvement of UIN Sayyid Ali Rahmatullah (UIN SATU) Tulungagung in supporting MSMEs in Plosokandang Village, Tulungagung Regency, from both Islamic and positive (national) legal perspectives. Using a descriptive qualitative method, data were collected through field observations, in-depth interviews with 15 MSME actors, and analysis of relevant documents and literature. The findings show that the university contributes through business training, student internships, mentoring programs, and market access facilitation. Concretely, 73.3% of respondents reported increased monthly income by 15–25% after engaging in campus-supported activities. From an Islamic law standpoint, these efforts reflect the values of ta’awun (mutual assistance) and maslahah (public benefit), while from the perspective of positive law, they align with the tri dharma of higher education, particularly community service. In conclusion, UIN SATU’s active role in MSME empowerment is well-grounded in both Islamic and national legal frameworks and significantly contributes to local economic resilience
Determinant of Net Profit Margin in Islamic Bank: Evidence From Indonesia Sururi, Sururi; Kuntoro, Agus; Dedat Dingkoroci Akasumbawa, Muhammad; Deni Putra, Muhammad
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.483

Abstract

This study investigates the factors influencing the Net Profit Margin (NPM) of Islamic banks in Indonesia, focusing on risk aversion (CAP), default risk (NPF), liquidity (FDR), and operational size (SIZE). The research aims to explore how these variables affect profitability in the Indonesian Islamic banking sector. The study uses balanced panel data from Islamic banks over the period 2014–2023 and applies panel regression analysis to examine the relationships between the variables. The findings indicate that risk aversion negatively affects NPM, while liquidity and operational size have a positive influence on NPM. Default risk does not significantly impact NPM. Additionally, the study includes a dummy variable for the COVID-19 pandemic, which shows a negative effect on NPM, reflecting the adverse impact of the pandemic on bank margins. This research contributes to the literature on the determinants of profitability in Islamic banking by providing new insights into how risk aversion, default risk, liquidity, and operational size influence NPM, particularly during periods of economic disruption
Islamic Financial Inclusion and the Empowerment of Micro Enterprises in Remote Regions Meili Mahera, Rofiqo; Ilham, M; Albahi, Muhammad
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.491

Abstract

This study explores the role of Islamic Financial Institutions (IFIs) in enhancing access to microenterprise financing in rural Indonesia through a qualitative literature review approach. Drawing on 25 peer-reviewed sources published between 2019 and 2024, the research identifies four key dimensions: institutional outreach, rural access barriers, effectiveness of sharia contracts, and integration of social and digital finance. Findings reveal that although IFIs have grown significantly in terms of assets and regulatory structure, their inclusion strategies remain inadequate for rural populations. Sharia-based contracts like mudharabah and musyarakah are underutilized due to operational complexities and lack of financial literacy. Moreover, the integration of zakat and other social finance tools with digital platforms is still fragmented. The study emphasizes that Islamic finance must move beyond formal compliance toward ethical inclusivity by addressing structural, behavioral, and technological barriers. The research concludes that achieving maqashid shariah in microfinance requires institutional reform, cross-sector collaboration, and a renewed commitment to justice, transparency, and community empowerment.
The Impact Of Macroeconomic Variables On The Jakarta Islamic Index (ISSI) And LQ45 Index Wijayanti, Ning; Trisnafi, Kukuh; Aqim Adlan, Muhammad
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.514

Abstract

This study investigates the influence of key macroeconomic variables—namely inflation, interest rate, and exchange rate—on the performance of the Indonesia Sharia Stock Index (ISSI) and the LQ45 Index during the period January 2022 to December 2024. Using a quantitative approach with multiple linear regression analysis, the research examines how Islamic and conventional equity markets in Indonesia respond differently to macroeconomic shocks. The findings reveal that the LQ45 Index is significantly influenced by inflation (positive) and interest rates (negative), while the ISSI is significantly affected only by exchange rate fluctuations (positive). These contrasting sensitivities reflect structural and ethical distinctions in index composition and investor behavior. From an Islamic economics perspective, the study supports the resilience of shariah-compliant firms rooted in real-sector activities and low debt exposure, in alignment with the principles of maqashid shariah—particularly wealth preservation (hifz al-mal) and the prohibition of riba. This research contributes to the growing literature on Islamic financial markets by highlighting the macroeconomic behavior of Islamic stock indices and offering practical insights for policymakers, portfolio managers, and investors in dual financial systems.
The Impact of Member Satisfaction on Sharia-Compliant Transaction Efficiency in Digital Islamic Cooperatives Fahmi Halim, Andy; Aziz, Abdul
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.399

Abstract

This study investigates the effect of member satisfaction on Sharia-compliant transaction efficiency in KSBB Islamic Cooperative, highlighting the role of digital transformation in cooperative performance enhancement. Using a quantitative research design, data were collected from 100 active members of KSBB who utilized its digital platform. A structured questionnaire was employed to measure member satisfaction (usability, information quality, trust, and security) and transaction efficiency (time-cost effectiveness, accessibility, and Sharia compliance). Validity and reliability tests confirmed robust instrument quality (Cronbach’s α > 0.87). Classical assumption tests were satisfied, and simple linear regression was applied to analyze the relationship between variables. Results reveal that member satisfaction significantly predicts transaction efficiency (β = 0.678, p < 0.001), explaining 47.3% of its variance. This finding aligns with the Technology Acceptance Model (TAM) and Expectation Confirmation Theory (ECT), demonstrating that satisfaction derived from digital service quality enhances operational efficiency in Sharia-compliant contexts. The study also underscores the relevance of maqashid al-shariah, where efficiency supports hifz al-mal (wealth protection), amanah (trust), and maslahah (public welfare). External factors such as digital infrastructure, literacy, and cooperative management capacity are identified as additional determinants of efficiency beyond satisfaction. The research contributes to cooperative finance literature by integrating behavioral, operational, and ethical dimensions, offering empirical evidence that satisfaction-driven digitalization strengthens both efficiency and Sharia compliance in Islamic cooperatives. These findings provide strategic insights for policymakers and cooperative managers in advancing sustainable, digitally enabled Sharia-based cooperative systems.
The Influence of Digital Marketing on Increasing MSME Income in Padang Panjang City Resti, Okfi; Cindy, Cindy Pratiwi; Reni, Reni Febrina
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.259

Abstract

The development of technology makes digital marketing the key to MSME income. This article aims to explain the influence of digital marketing on increasing the income of MSMEs in Padang Panjang. The study used a quantitative approach. The technique used was distributing questionnaires to 100 MSME actors. Data processing using SPSS version 25 Pearson-Moment Correlation Coefficient model, analyzed using simple linear regression analysis, normality test, partial t-test, and determination test (R square ). The findings show that digital marketing has a regression coefficient of 13,204 on increasing MSME income with a significant level of 0.000 <0.05 which means it has an effect on MSME income. Based on the results of the regression analysis and the coefficient of determination, the influence of digital marketing is 29.2% on increasing MSME income in Padang Panjang. It is concluded that there is a positive and significant influence of the use of digital marketing on increasing MSME income in Padang Panjang.

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