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Hilyah Ashoumi
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Izdihar : Jurnal Ekonomi Syariah
Published by Universitas KH. A. Wahab Hasbullah
ISSN : -     EISSN : 28087194     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Izdihar : Jurnal Ekonomi Syariah, published by Study Program of Sharia Economics Universitas K.H. Wahab Hasbullah, can be said as new academic journal dealing with the theme in Indonesia. The subject covers textual and fieldwork studies with various perspectives of Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic economic thoughts, Islamic human resource management, Islamic microfinance, Islamic development economics, Islamic monetary economics, Islamic fiscal economics, Islamic capital market, and other relevant themes. Thus, Indonesian and non-Indonesian scholars have enriched the studies published in the journal. Although not from the beginning Izdihar presents highly qualified scholarly articles, improvement—in terms format, style, and academic quality—never ceases. Now with articles written in Indonesian, Arabic, and English and with the fair procedure of peer-review, Izdihar continues publishing researches and studies pertinent to Islamic finance and economics with various dimensions and approaches. The Scope of our journal includes: (1) marketing management, (2) human resources management, (3) financial management, (4) operational management, (5) strategic management (6) entrepreneurship.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol. 5 No. 02 (2025): Oktober" : 5 Documents clear
PENANGANAN PEMBIAYAAN BERMASALAH DI BANK SUMSEL BABEL CAPEM MUARA KELINGI Sanjaya, Ican; Ni’mati Rahmatika, Arivatu
Izdihar: Jurnal Ekonomi Syariah Vol. 5 No. 02 (2025): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v5i02.5772

Abstract

Problematic financing or Non-Performing Financing (NPF) is a major challenge in the Islamic banking industry, as it can disrupt operational stability and reduce public trust in Islamic financial institutions. This study aims to analyze the strategies and effectiveness of handling problematic financing at Bank Sumsel Babel Capem Muara Kelingi. A descriptive qualitative approach was employed, with data collected through direct observation, interviews, and documentation during the author's internship. The findings indicate that NPF management is carried out through two main approaches: preventive and curative. Preventive efforts include financing feasibility analysis and customer education, while curative measures involve restructuring, renegotiation, and collateral execution. Additionally, the utilization of collateral and financing recovery programs are implemented with a prudential approach, while upholding Islamic values such as justice and mutual consultation. Through these integrated strategies, Bank Sumsel Babel Capem Muara Kelingi can minimize the risk of losses due to NPF and maintain the quality of its financing portfolio
MANAJEMEN KINERJA DALAM SUMBER DAYA MANUSIA ISLAMI Ayu Puspita Sari, Dewi; Ni'mati Rahmatika, Arivatu; Widyaningsih, Bekti
Izdihar: Jurnal Ekonomi Syariah Vol. 5 No. 02 (2025): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v5i02.6035

Abstract

Performance management is a crucial element in managing human resources (HR) to achieve organizational goals effectively and efficiently. This research aims to examine the application of Islamic principles in HR management and identify effective strategies in improving employee performance, with a focus on creating a harmonious and productive work environment. The method used is descriptive qualitative through a literature study approach. The results showed that the application of Islamic values, such as tawhid, ihsan, amanah, justice (adl), and deliberation (shura), contributed positively to the improvement of employee welfare, loyalty, and job satisfaction. Employee welfare, loyalty, and job satisfaction. Performance management based on Islamic principles not only increases productivity, but also forms an ethical and sustainable work culture. Keywords: Human Resources, Islamic Principles, Performance Management
ANALISIS PERILAKU KONSUMSI MAHASISWA DI E-MARKETPLACE DALAM PERSPEKTIF LITERASI KEUANGAN SYARIAH Atok, Moh. Choirul; Ulul Maknunah, Anita
Izdihar: Jurnal Ekonomi Syariah Vol. 5 No. 02 (2025): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v5i02.6279

Abstract

The rapid and massive development of digital technology has changed the consumption patterns of students. This phenomenon raises concerns about excessive consumption behavior and is contrary to sharia principles, especially for students who have low sharia financial literacy. The purpose of this study is to analyze the consumption behavior of students in utilizing e-marketplaces and evaluate the role of sharia financial literacy in forming wise consumption and in accordance with Islamic values. This study uses a qualitative approach with a descriptive-analytical method through a literature review and observation of college students. The results of the study show that student consumption patterns tend to be due to trends, lifestyles, and paylater. Sharia financial literacy helps control and manage finances related to the principles of maqashid sharia and Islamic ethics. Strengthening the role of campus sharia financial institutions, educational approaches, utilization of digital media, and campus sharia communities are strategies in forming a generation of financially ethical muslims. Keywords: Consumption behavior, e-marketplace, Islamic financial literacy.
PELAKSANAAN GERAKAN INFAQ HARIAN SEBAGAI SARANA EDUKASI FILANTROPI ISLAM PADA SISWA SDN KEPANJEL KIDUL 1 KOTA BLITAR Rifa’i, Akhmad; Rakhmad widi Ashari, Denny; Basid Al Haris , Mohammad; Sastra Waskita, Gautama
Izdihar: Jurnal Ekonomi Syariah Vol. 5 No. 02 (2025): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v5i02.6488

Abstract

The phenomenon of declining social concern among the younger generation highlights the growing importance of instilling character education based on religious values from an early age. One form of implementing these values is the daily infaq movement carried out in elementary schools. This study was conducted at SDN Kepanjenkidul 1, Blitar City, which regularly organizes an infaq program every Friday along with a daily savings activity managed by classroom teachers. The program functions not only as a social activity but also as an educational medium for Islamic philanthropy that is relevant to students’ character formation. This research employed a descriptive qualitative approach. The subjects consisted of 70 students (34 boys and 36 girls) and 8 teachers. Data were collected through observation, interviews, and documentation, then analyzed using the interactive analysis model of Miles & Huberman, which includes data reduction, data display, and conclusion drawing.The findings indicate that the daily infaq activity generates an average fund of IDR 24,000–30,000 per week, managed simply yet transparently by the classroom teachers. Moreover, the daily savings program contributes to training students in personal financial management and promoting a thrifty lifestyle. Teachers perceive this activity as effective in developing caring attitudes, a spirit of sharing, and a sense of togetherness among students.Thus, the implementation of the daily infaq movement at SDN Kepanjenkidul 1, Blitar City, has proven to be not only socially beneficial but also educationally significant. This program successfully internalizes religious, social, economic, and character values simultaneously, making it a potential model for Islamic philanthropic education in elementary schools
KEMANDIRIAN USAHA MIKRO MELALUI STRATEGI PEMBERDAYAAN DALAM PENGELOLAAN ZAKAT PRODUKTIF LEMBAGA AMIL ZAKAT: ANALISIS MAQASHID SYARIAH Chasanah, Uswatun; Maspupah, Ima
Izdihar: Jurnal Ekonomi Syariah Vol. 5 No. 02 (2025): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v5i02.6521

Abstract

  ABSTRACT   Micro, Small, and Medium Enterprises (UMKM) play a crucial role in the country's economic growth. This is because UMKM can absorb a significant workforce, thereby alleviating poverty and equitable distribution of income. However, micro-enterprises still face numerous challenges to achieve business independence. One such challenge is empowering Amil Zakat Institutions (LAZ) to manage productive zakat. This productive zakat management plays a strategic role in promoting the economic independence of those entitled to receive zakat. LAZ can develop five empowerment theories and concepts: Empowerment Theory, Capacity Building Theory, Social Network Theory, Sharia Economic Theory, and the Economic Empowerment Model. Based on the author's analysis, the empowerment concepts developed by LAZ in their programs align with the objectives of sharia law: safeguarding religion, life, family, intellect, and wealth. Keywords: Micro-Enterprise Independence, Empowerment, Productive Zakat

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