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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 7 Documents
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Search results for , issue "Vol. 6 No. 01 (2026): April" : 7 Documents clear
ANALYSIS OF CASH WAQF FUND COLLECTION STRATEGY AND MAANGEMENT PROBLEM Amaruddin, Amin Awal; Effendi , Arta Zulian; Ashlihah, Ashlihah
Izdihar: Jurnal Ekonomi Syariah Vol. 6 No. 01 (2026): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v6i01.6288

Abstract

Cash waqf has significant potential to support education and social welfare but its implementation in Indonesia still faces challenges in fundraising and management. This study examines the strategies, empowerment models, and managerial issues of cash waqf at the Center for Social Fund Management, Universitas Airlangga (PUSPAS UNAIR). Using a qualitative case study, data were collected through interviews and documentation, validated by triangulation, and analyzed with Miles and Huberman’s interactive model. Findings show three fundraising strategies: direct (open booths, parent meetings, crowdfunding), indirect (social media, flyers, webinars), and incentive-based (rewards for waqifs). The funds are utilized for living cost assistance, dormitories, productive enterprises, and scholarships. Key challenges include limited human resources, weak innovation, low literacy, lack of university support, and infrastructure constraints. The study recommends strengthening nazhir professionalism, investment mechanisms, and waqf literacy to sustain cash waqf in higher education.   Keywords: cash waqf, fundraising, empowerment, management, higher education
CORPORATE DISCLOSURE : UPAYA MENGATASI ASIMETRI INFORMASI PEDAGANGAN ONLINE Zakaria Ahmad, Maulana; Zainul Abidin, Ahmad; Ilma Ahmad, Zakiyyah; Wakhid, Abdul; Umam, Syafiul; Habibi, Rakhmawan
Izdihar: Jurnal Ekonomi Syariah Vol. 6 No. 01 (2026): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v6i01.6532

Abstract

Corporate Disclosure practices have become essential in addressing information asymmetry in online commerce. Corporate Disclosure enables companies to transparently and accountably reveal information about the products or services they offer, financial performance, business strategies, risks, and commitments to sustainability and social responsibility. By conducting proper and comprehensive Corporate Disclosure, companies provide greater access for buyers to obtain the information they need to make smart and informed purchasing decisions. This study aims to explore corporate disclosure practices in addressing information asymmetry within the online trading environment and to analyze their impact on mitigating information asymmetry risks. The research method used is a qualitative approach with a scoping review method, utilizing secondary data from relevant articles. The findings indicate that Corporate Disclosure is effective in creating a fairer, more transparent, and more sustainable business environment for all parties involved in online commerce. This article makes an important contribution to understanding the role of Corporate Disclosure in reducing information asymmetry in online trading. Recommendations are provided to business stakeholders, regulators, and academics to strengthen transparency and trust in online commerce through improved Corporate Disclosure practices.
TELAAH FIQH MUAMALAH DALAM AKAD TALANGAN HAJI Haikal, Haikal; Anha, Radilla; Aulia Rifka, Nurwahda; Kamil, Muh. Ahsan; Kamaruddin, Kamaruddin
Izdihar: Jurnal Ekonomi Syariah Vol. 6 No. 01 (2026): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v6i01.6549

Abstract

The development of Islamic banking in Indonesia has led to various sharia-based financial products, one of which is the Hajj bailout fund. This product serves as a solution for Muslims who wish to perform the pilgrimage but are constrained by the initial deposit requirement. This study aims to analyze the Hajj bailout contract from a fiqh muamalah perspective, reviewing its compliance with sharia principles and DSN-MUI Fatwa No. 29/DSN-MUI/VI/2002. The method used is a literature study by analyzing academic sources from journals, books, and related fatwas. The results show that the qardh wal ijarah contract is permissible as long as no additional benefits resembling riba are included and administrative fees only cover real costs. From the perspective of maqāṣid al-syarī‘ah, the Hajj bailout provides benefits by facilitating Muslims to perform the fifth pillar of Islam, but it must be maintained to avoid potential harm from excessive debt burdensy. Keywords: Islamic Banking, Hajj Bailout Fund, Fiqh Muamalah, DSN-MUI
KONTRIBUSI SANTRIPRENEUR DALAM PENGEMBANGAN USAHA PRODUKTIF BERBASIS KEARIFAN LOKAL Nur Wicaksono, Alif; Ashlihah, Ashlihah
Izdihar: Jurnal Ekonomi Syariah Vol. 6 No. 01 (2026): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v6i01.6804

Abstract

Penelitian ini bertujuan untuk mengembangkan model bisnis berbasis kearifan lokal yang melibatkan santri dalam pengelolaan usaha Teh Genuk. Pendekatan yang digunakan adalah Research and Development (R&D) dengan metode kualitatif. Data diperoleh melalui observasi, wawancara, dan dokumentasi yang dianalisis secara deskriptif. Hasil penelitian menunjukkan bahwa pelibatan santri dalam usaha Teh Genuk sudah ada, namun belum berjalan secara sistematis. Model bisnis yang dikembangkan menggunakan kerangka Business Model Canvas (BMC) yang dimodifikasi untuk memasukkan nilai-nilai lokal dan prinsip spiritual. Uji coba model menunjukkan bahwa santri mampu menjalankan peran operasional dan promosi dengan bimbingan. Evaluasi dan revisi dilakukan berdasarkan masukan dari ahli dan pelaku usaha. Model akhir terdiri atas nilai dasar, panduan implementasi, struktur operasional, dan strategi pertumbuhan. Model ini diharapkan menjadi panduan aplikatif dalam memberdayakan santri sebagai pelaku usaha berbasis kearifan lokal.
PENGARUH MEDIA SOSIAL ISLAMI, FEAR OF MISSING OUT, DAN LITERASI HALAL TERHADAP MINAT DAN KEPUASAN KONSUMEN P, Syarmila; Karyono, Otong; Farida, Ida
Izdihar: Jurnal Ekonomi Syariah Vol. 6 No. 01 (2026): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v6i01.7106

Abstract

The development of information technology has increased the use of social media among high school students. Social media is not only used for communication and entertainment, but also for spreading Islamic values and halal product information. Factors such as Fear of Missing Out (FOMO) and halal literacy are assumed to influence consumer interest and satisfaction. This study aims to examine the effect of Islamic social media, FOMO, and halal product literacy on consumer interest and its impact on consumer satisfaction among students of SMA Negeri 2 Bone. This research uses a causal associative quantitative approach with data collected through questionnaires. The sample of this study consisted of students from SMA Negeri 2 Bone and was analyzed using Structural Equation Modeling (SEM-PLS) with SmartPLS. The results show that Islamic social media and halal literacy have a positive and significant effect on consumer interest, while FOMO has no significant effect. The three variables do not directly affect consumer satisfaction; however, consumer interest has a positive and significant effect on satisfaction. Consumer interest also mediates the effect of Islamic social media and halal literacy on satisfaction, while FOMO does not among students of SMA Negeri 2 Bone. Keywords: Islamic Social Media; Fear Of Missing Out; Halal Literacy, Consumer interest; Consumer Satisfaction.
ANALISIS YURIDIS PERLINDUNGAN KONSUMEN DALAM PRODUK GADAI EMAS (RAHN EMAS) PADA BANK SYARIAH INDONESIA BINJAI: PERSPEKTIF HUKUM EKONOMI SYARIAH DAN REGULASI NASIONAL Firmansah, Ilham; Abdullah, Budi; Rahman Purba, Abdur
Izdihar: Jurnal Ekonomi Syariah Vol. 6 No. 01 (2026): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v6i01.7198

Abstract

This study aims to analyze consumer legal protection in gold pawn (rahn emas) products at Bank Syariah Indonesia (BSI) Binjai from the perspective of Islamic economic law. The method used is a normative juridical approach by analyzing laws and regulations, DSN-MUI fatwas, and related legal documents, without involving direct interviews. The results of the study indicate that although the rahn emas product has fulfilled formal legal aspects, there are still weaknesses in information transparency, collateral valuation, and contract (akad) education for customers. Information asymmetry and the lack of dispute resolution mechanisms show that legal protection has not fully reflected the principles of justice and public welfare (maslahah) in Islamic economic law. This study recommends strengthening internal regulations, improving consumer education, and implementing sharia-based dispute resolution mechanisms so that consumer legal protection can operate optimally. Keywords: Legal protection, rahn emas, consumer, Bank Syariah Indonesia, Islamic economic law
PENGARUH LOCUS OF CONTROL DAN EFIKASI DIRI DALAM PROGRAM ENTREPRENEURSHIP DI PONDOK PESANTREN AL-QOMAR NGANJUK Alaa Nuurin, Nuurun; El Muna, Naily
Izdihar: Jurnal Ekonomi Syariah Vol. 6 No. 01 (2026): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v6i01.7229

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh locus of control dan self-efficacy terhadap program kewirausahaan di PNS Al Qomar Nganjuk. Penelitian ini mencoba untuk mengetahui seberapa besar pengaruh locus of control dan self-efficacy terhadap program kewirausahaan di PNS Al Qomar Nganjuk. Tujuan penelitian ini adalah untuk menganalisis pengaruh variabel Locus of Control (X1) dan Self-Efficacy (X2) terhadap Kewirausahaan (Y). Dalam penelitian ini, data dikumpulkan menggunakan metode kuesioner dengan mendistribusikan kuesioner skala Likert kepada 60 responden yang merupakan siswa laki-laki dan perempuan di PNS Al Qomar Nganjuk. Kemudian dilakukan analisis terhadap data yang diperoleh menggunakan metode kuantitatif. Analisis kuantitatif yang digunakan meliputi pengujian validitas dan pengujian reliabilitas. Teknik analisis data yang digunakan adalah uji regresi linier berganda yang berfungsi untuk membuktikan hipotesis penelitian. Dari hasil analisis ini, ditemukan bahwa variabel independen memiliki pengaruh positif terhadap variabel dependen.

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