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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 97 Documents
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PERLINDUNGAN HAK KONSUMEN DALAM PEMIKIRAN IBN TAYMIYYAH : ANALISIS ERA E- COMMERCE Yulfira, Yumi; Nur Darwis, Fajar; Pradhana Sanjaya, Rezky
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 02 (2024): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i02.4861

Abstract

This research examines consumer rights protection in Ibn Taymiyyah's view and its application in the e-commerce era. Consumer protection is an important aspect in maintaining fairness and honesty in business transactions. Ibn Taymiyyah, a great Islamic scholar, underscored the importance of justice ('adl), prohibition of fraud (gharar), and control of monopoly (ihtikar) to protect consumers. The aim of this research is to analyze the relevance and application of these principles in modern digital commerce. The research results show that Ibn Taymiyyah's principles can strengthen the consumer protection framework in the e-commerce era, increase trust and integrity of online markets, and support the development of policies that integrate Islamic business ethics with contemporary regulations.
TEORI SIKLUS EKONOMI IBNU KHALDUN : ANALISIS DALAM KONTEKS KRISIS EKONOMI Aisyiah, Rohadatul; Marwa melati, Suryani; Azim Mubarak, A.M. Syahruk
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 02 (2024): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i02.4863

Abstract

In the economic field, Ibnu Khaldun's ability to explain economic concepts was very sharp. Economic problems were discussed by Ibnu Khaldun in his book which discussed economic motives arising because human desires are unlimited, so the goods that will satisfy their needs are very limited. Therefore, to solve economic problems it must be seen from two angles; power angle and from the point of use. The purpose of writing this article is to understand Ibn Khaldun's economic cycle and analyze the modern economic crisis. The research method used is literature study, which is a method of searching and researching literature by reading various books, journals and other publications related to the research topic, to produce an article regarding a particular topic or issue. The results of the research found that Ibn Khaldun had provided the concepts and practices of Islamic economics and had made contributions and treasures of Islamic knowledge to economics in general and Islamic economics in particular.
PENGARUH HARGA, KUALITAS LAYANAN DAN PRODUK TERHADAP KEPUTUSAN PEMBELIAN KPR nur laili, jihan; Haryanti, Peni
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 02 (2024): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i02.4906

Abstract

Permintaan rumah setiap tahun meningkat sangat pesat yang sebagian besar disebabkan oleh peningkatan jumlah penduduk. Terdapat beberapa faktor yang mempengaruhi keputusan pembelian KPR yaitu harga, kualitas layanan dan produk. Populasi dalam penelitian ini yaitu nasabah BTN Syariah KCPS Jombang yang membeli KPR antara tahun 2021-2022. Penentuan sampel memakai purposive sampling yang memperoleh 76 responden. Kuesioner digunakan sebagai pengumpulan data kemudian memakai analisis regresi linier berganda dengan bantuan SPSS versi 22. Temuan penelitian menunjukkan hasil bahwa harga dan kualitas layanan secara parsial mempengaruhi keputusan pembelian. Namun, produk tidak berpengaruh terhadap keputusan pembelian. Secara simultan keputusan pembelian KPR dipengaruhi oleh harga, kualitas layanan dan produk. Penelitian ini memiliki implikasi strategis bagi BTN Syariah KCPS Jombang dalam meningkatkan kualitas layanan dan produk serta harga yang terjangkau untuk meningkatkan keputusan pembelian KPR. Hal ini dapat membantu BTN Syariah KCPS Jombang meningkatkan pangsa pasar dan meningkatkan kepuasan nasabah.
IMPLEMENTASI PROGRAM ENTREPRENEURSHIP DALAM MEWUJUDKAN SEKOLAH MANDIRI FINANSIAL DAN KARIR SISWA SMK DARUL ULUM KEPUHDOKO DI JOMBANG: IMPLEMENTASI PROGRAM ENTREPRENEURSHIP DALAM MEWUJUDKAN SEKOLAH MANDIRI FINANSIAL DAN KARIR SISWA SMK DARUL ULUM KEPUHDOKO DI JOMBANG Elmuna, Naily; Rachman Hakim, Arie; Ashlihah, Ashlihah
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 02 (2024): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i02.4912

Abstract

ABSTRACT Entrepreneurship is the attitude, spirit, and ability to create something new and beneficial for oneself and others. Entrepreneurship programs aim to shape students' character into entrepreneurs with innovative and creative ideas. Vocational High Schools (SMK) support this program to prepare students to become skilled workers in their chosen fields. However, the high number of unemployed SMK graduates is due to the lack of suitable job opportunities. Becoming entrepreneurs can be a solution to reduce unemployment by creating new job opportunities. This research aims to understand the implementation of entrepreneurship programs in improving the financial independence and careers of SMK students at SMK Darul Ulum Kepuhdoko Jombang. This study uses a descriptive qualitative method with data collection techniques through interviews, observations, and document studies. The results show that the entrepreneurship program at SMK Darul Ulum Kepuhdoko Jombang is beneficial for students' careers after graduation, covering the fields of Light Vehicle Engineering, Multimedia, and Industrial Chemistry. The implementation of this program enhances the school's finances and equips graduates with entrepreneurial skills, enabling them to create job opportunities. Keywords: Entrepreneurship, Vocational High School
STRATEGI PENINGKATAN SUSTAINABLE DEVELOPMENT GOALS DESA MELALUI MANAJEMEN KEUANGAN BERDASARKAN MAQASHID SYARI’AH ( STUDI LITERATUR) Annisa, Rizka; Ni’mati Rahmatika, Arivatu; Widyaningsih, Bekti
Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 02 (2024): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v4i02.4918

Abstract

This research aims to explore strategies to improve Sustanable Development Goals (SDGs) at the village level through the implementation of financial management based on Maqashid Shari'ah principles. SDGs is a new development agreement, which encourages changes to shift towards sustainable development to encourage social, economic and environmental development. In the Village SDGs with the existence of financial management in the village is one of the most important things in financial operations in order to make sustainable development. The results show that the implementation of financial management aligned with Maqashid Shari'ah not only improves the economic welfare of village communities, but also strengthens moral and social values, which overall supports the achievement of SDGs. Thus, the integration between Maqashid Shari'ah-based financial management and Village SDGs offers a comprehensive and sustainable approach to prosperous and equitable village development.
PENGARUH KUALITAS PELAYANAN BMT RIZQONA TERHADAP MINAT MENABUNG SANTRI PONDOK PESANTREN ALMARDLIYYAH TAMBAKBERAS JOMBANG Awal Amarudin, Amin; Ashlihah, Ashlihah; Futaya, Andhi
Izdihar: Jurnal Ekonomi Syariah Vol. 5 No. 01 (2025): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v5i01.5726

Abstract

Penelitian ini bertujuan untuk mengetahui serta menganalisis pengaruh kualitas pelayanan BMT Rizqona terhadap minat menabung santri pondok pesantren Al-Mardliyah Jombang. Metode penelitian yang digunakan adalah dengan pendekatan kuantitatif. Pengumpulan data dilakukan melalui penyebaran angket (kuisoner) dalam bentuk pertanyaan tertutup berupa skala Likert’s kepada 30 responden yang merupakan santri pondok pesantren Al-Mardliyah Tambakberas Jombang. Data dianalisis menggunakan Statistical Package for the Social Sciences (SPSS) versi 18. Terdiri dari uji validitas, uji reliabilitas, Uji Homogenitas dan analisis regresi linier sederhana. Hasil penelitian menyimpulkan bahwa kualitas pelayanan di BMT Rizqona Tambak beras Jombang, berdasarkan pada data yang diambil dari hasil angket yang telah disebar kepada 30 responden (santri) dapat dikategorikan sangat baik, begitu juga minat menabung santri pondok pesantren Al-Mardliyah Tambakberas Jombang, berdasarkan pada data yang telah diambil dari hasil angket minat menabung santri yang telah disebar kepada 30 responden (santri) dapat dikategorikan baik sehingga terdapat pengaruh antara kualitas pelayanan BMT Rizqona terhadap minat menabung santri Al-Mardliyah Tambakberas Jombang. 
RIBA DALAM FIAT MONEY PERSPEKTIF SYEIKH ALI JUM’AH DAN SYEIKH IMRON NAZAR HOUSEN Syarifuddin, Moh.; Awal Amarudin, Amin; Ashlihah, Ashlihah
Izdihar: Jurnal Ekonomi Syariah Vol. 5 No. 01 (2025): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v5i01.5766

Abstract

Fiat money is a trigger for global economic instability. This has often happened since the Bretton Woods System was inaugurated on a global scale, namely legalizing the practice of printing paper money without any underlying. This research aims to determine the development of fiat money from an economic perspective and to determine the legal status of the use of fiat money according to the perspective of Ali Jum'ah and Imron Housen. This research is a type of Mix Method research by combining Library Research (Library) and Media Research (Social Media Research). The data collection method was obtained through primary data including literature sourced from statutory regulations, books, official documents, publications, research results, and secondary data including social media such as YouTube, Instagram, etc. Data analysis uses Comparative Descriptive Qualitative Analysis to compare the opinions of Ali Jum'ah and Imron Housen. The research results show that the development of fiat money has begun since the issuance of the fatwa on halal bank interest in 1904 by the Mufti of Egypt, Muhammad Abduh, the fatwa on halal paper money in 1984 in Haramain, the establishment of the Federal Reserve in 1913 and then the collapse of the Bretton Woods System in 1971 until now. Ali Jum'ah believes that fiat money is not usury for reasons of 'urf and the maslahah element in the modern era, while Imron Housen says that fiat money is usury on the grounds that fiat money has no intrinsic value. According to him, interest is the main characteristic of the current global financial system, capitalism or neoliberalism (banks, interest and fiat money). Fiat money is the essence of usury, from an Islamic perspective fiat money contains two types of usury at once, namely usury Al Fadl and usury an Nasiah.
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
ANALISIS SISTEM BAGI HASIL AKAD MUDHARABAH DALAM PERSPEKTIF EKONOMI ISLAM PADA BANK SYARIAH aini, Ivanka Mira Nur; Mariyana Dewi, Fitri; Nur Latifah, Fitri
Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2023): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v3i02.2241

Abstract

Abstract: In an effort to spread Islamic teachings in the millennial era with the existing pattern of development in the economic field based on Islamic sharia and in its development applying a profit sharing system (mudharabah) between the two parties. Although basically humans are given the freedom to conduct transactions (mu’amalah) but in its development it must be on the basis of Islamic law with a fiqh perspective and this is also highly expected so that the mudharabah contract can also be used and can also be used and can also be developed in Islamic Banking. The main capital in this concept is not only money but trust and a high social spirit. Keywords: Profit sharing, mudharabah contract, islamic economics, islamic bank
KONSEP SIGNIFIKAN MANAJEMEN RESIKO OPERASIONAL PERBANKAN SYARIAH Nuriant, Ulfia; Fitria, Anis
Izdihar: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2022): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v2i2.2551

Abstract

The purpose of this article is to find out what operational risk management is and its causes. This article uses literature study research or literature study. Data collection techniques by collecting references consisting of several previous studies by reviewing several journals to review operational risk management. In Islamic banking, there are several risks that cannot be avoided because of its function as a financial intermediary institution. One of the risks faced by banks is operational risk which becomes an obstacle to the goals desired by the bank. The results of this study are operational risk caused by four (4) factors, the first is due to an internal process error, the second is human failure, the third is system failure and the fourth is external events. Therefore, banks must carry out risk management to minimize the risks that will occur so as not to cause unwanted losses.

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