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Nurwinsyah Rohmaningtyas
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ADILLA: Jurnal Ilmiah Ekonomi Syari'ah
Published by Universitas Islam Darul Ulum
ISSN : 26218453     EISSN : 26209535     DOI : https://doi.org/10.52166/adilla
Core Subject : Religion, Economy, Education, Art, Social,
Religion Arts Economics, Econometrics & Finance Education Social Sciences
Fokus kajian jurnal ADILLA dalam bentuk: 1) Hasil penelitian, 2) Gagasan konseptual, 3) Kajian kepustakaan, dan pengalaman praktis
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 168 Documents
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Strategi Bisnis Budidaya Ikan Lele Perspektif Etika Bisnis Islam Erfan Asy'ari; Nurwinsyah Rohmaningtyas
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 3 No. 1 (2020): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v3i1.3221

Abstract

Tujuan penelitian ini adalah untuk menilai apakah Strategi Bisnis yang dilakukan oleh pembudidaya ikan lele di Desa Tlogorejo Kec Kepohbaru Kab Bojonegoro sudah sesuai dengan etika bisnis Islam. Metode yang digunakan adalah kualitatif diskriptif dengan sumber data dari wawancara, observasi dan dokumentasi. Analisisnya menggunakan reduksi data, display data dan menyimpulkan data. Hasilnya adalah bahwa pembudidaya ikan lele di Desa Tlogorejo Kec Kepohbaru Kab Bojonegoro sudah sesuai dengan etika bisnis Islam yaitu dengan cara kejujuran, ramah, menjaga hak-hak konsumen, dan tidak menjelekkan bisnis orang lain..
Penerapan Good Corporate Governance Dalam Tata Kelola BUMDes Sumber Jaya Abadi Di Desa Sumberagung Kecamatan Modo Kabupaten Lamongan Ahmad Munir Hamid; Moh. Sam Bagus Ady Maulindra
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 2 No. 2 (2019): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v2i2.3223

Abstract

Penelitian ini bertujuan untuk menguraikan tentang asas transparansi, akuntabilitas, responsibilitas, independen dan kewajaran dalam tata kelola BUMDesa Sumber Jaya Abadi di Desa Sumberagung Kecematan Modo Kabupan Lamongan. Metode yang dipakai adalah kualitatif deskriptif. Hasil penelitian ini menunjukkan bahwa asas transparansi BUMDes Sumber Jaya Abadi telah berjalan sesuai dengan asas yang ada. BUMDes Sumber Jaya Abadi belum pernah mengalami pelanggaran hukum. BUMDes Sumber Jaya Abadi juga menyediakan informasi yang adil dan setara, perlakuan yang adil kepada seluruh karyawan dan konsumen.
Pengaruh Penerapan Pembiayaan Berbasis Akad Jual Beli Terhadap Minat Anggota Untuk Mengajukan Pembiayaan: Studi Kasus di KSPPS BMT Mandiri Artha Syariah Sumberrejo Syuhada' Syuhada'; Ahmad Mirza Fairuz Abadi
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 3 No. 1 (2020): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v3i1.3224

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh diterapkannya pembiayaan berbasis akad jual beli (menyinggung harga beli dan tingkat margin) terhadap minat anggota mengajukan pembiayaan pada KSPPS BMT Mandiri Artha Syariah, baik secara parsial maupun secara simultan dengan menggunakan sampel sebanyak 93 anggota dari 1.434 anggota keseluruhan. Metode analisis yang digunakan adalah deskriptif kuantitatif dengan menggunakan uji asumsi klasik, uji regresi linier berganda, uji T, uji F dan uji koefisien determinasi. Dari analisis data dengan menggunakan uji T variabel harga beli berpengaruh signifikan terhadap minat anggota dan variabel margin tidak berpengaruh signifikan terhadap minat anggota. Dari analisis data menggunakan uji F variabel harga beli dan margin secara simultan berpengaruh terhadap minat anggota. Dari analisis data uji koefisien determinasi variabel harga beli dan margin memberikan pengaruh 49,8% terhadap variabel minat anggota sedangkan untuk sisanya yaitu 50,2% di pengaruhi oleh variabel lain.
Optimization Of Shariah-Based Digital Marketing Strategy To Increase Smartfren Brand Loyalty Through Customer Engagement According To Islamic Economic Concept Martha Laila Arisandra; Nanda Nanta Kusuma
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to optimize sharia-based digital marketing strategies to enhance Smartfren's brand loyalty through customer engagement according to the concept of Islamic economics. The background of this research is the low optimization of sharia principles in the digital marketing practices of telecommunication operators in Indonesia, particularly in the aspects of moderation (al-wasathiyyah) and justice (al-haq wa al-adl), as well as the gap between high attitudinal loyalty and the company's financial performance. This study employs a quantitative method with a survey approach. Data were collected through online questionnaires distributed to 200 Smartfren customers in the Greater Jakarta area, interviews with 30 customers at Smartfren outlets, observation of @smartfrenworld social media activities over three months, and documentation from company reports and official publications. Data analysis was conducted using descriptive and inferential statistics with Pearson correlation. The theoretical frameworks include Islamic Marketing Theory (Kartajaya & Sula, 2006), Customer Engagement Theory (Brodie et al., 2011), Brand Loyalty Theory (Oliver, 1999), and Maqashid Sharia Theory (Asy-Syatibi). The results show that the optimization level of Smartfren's sharia-based digital marketing is moderate (mean 3.51 out of 5), with the highest indicator being the absence of content violating religious values (3.96) and the lowest indicators being the frequency of promotional notifications that disturb comfort (3.15) and excessive advertising claims (3.28). The level of customer engagement is also moderate (3.29), with the affection dimension being relatively good but the activation dimension (commenting and sharing content) being low. Meanwhile, Smartfren's brand loyalty level is high (3.75), particularly in conative loyalty, ie, the intention to remain subscribed (3.95). There are significant positive correlations between sharia digital marketing and brand loyalty (r=0.512, p<0.01), between customer engagement and brand loyalty (r=0.568, p<0.01), and between sharia digital marketing and customer engagement (r=0.482, p<0.01). These findings confirm that customer engagement serves as a mediating variable connecting the optimization of sharia-based digital marketing with Smartfren's brand loyalty. This study concludes that optimizing sharia-based digital marketing strategies can enhance Smartfren's brand loyalty; However, improvements are needed in moderating notification frequency, honest promotional claims, information transparency, and increasing responsiveness to customer interactions on social media. The logical consequence of this research for the development of Islamic education theory and practice is that sharia values such as honesty, justice, moderation, and transparency are not only relevant in business contexts but must also be integrated into the curriculum, learning methods, and governance of Islamic educational institutions. Islamic education should produce graduates who not only understand these values normatively but can also apply them practically in various aspects of life, including digital marketing and organizational management.
ANALYSIS OF CONSUMPTION PATTERNS OF MILLENNIAL MUSLIM ENTREPRENEURS USING E-WALLETS IN THE DIGITAL ERA AYU ARISKA; SYAHRAENI SYAHRAENI; OTONG KARYPONO
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 8 No. 2 (2025): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v8i2.7335

Abstract

This study aims to explore the impact of E-wallet technology on the consumption patterns of millennial Muslim entrepreneurs in Bone Regency after using E-wallets in the digital era. The research method employed is field research using a qualitative approach, with observation and interviews as data collection techniques. The study identifies consumption patterns concerning primary, secondary, and tertiary needs among millennial Muslim entrepreneurs. The findings indicate that millennial Muslim entrepreneurs in Bone Regency exhibit adaptive consumption patterns in response to E-wallet adoption, prioritizing essential needs over desires, which aligns with Islamic consumption principles. This digital transformation significantly affects their habits, making E-wallets the primary payment method and changing how they meet primary needs such as food and clothing, as well as secondary needs like transportation and business capital. E-wallets also influence their spending patterns, increasing out-of-home activities and contributing to tertiary needs such as vacations and shopping through promotions and cashback. The research shows that E-wallet adoption not only creates a more efficient consumption pattern but also positively impacts business growth, fosters a technology-responsive environment, and encourages changes in consumption behavior that align with contemporary developments while upholding Islamic values.
THE EFFECT OF PROFIT SHARING FINANCING, BOPO, NPF AND FDR ON THE PROFITABILITY OF SHARIA PEOPLE'S FINANCING BANKS IN CENTRAL JAVA PROVINCE IN 2021-2023 Endang Puji Lestari; Mutia Pamikatsih; Hatta Setiabudhi
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 8 No. 2 (2025): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v8i2.7819

Abstract

Abstract This research is a quantitative study on Sharia People's Financing Banks in Central Java Province which are registered with the OJK (Financial Services Authority). This study aims to examine the effect of profit sharing financing, BOPO, NPF and FDR on profitability proxied through ROA (Return On Asset). The type of data used is secondary data in the form of quarterly financial reports obtained from the OJK official website. The sampling method used is non probability sampling with purposive sampling technique. The analysis method used is descriptive statistical analysis, determination of the estimation model, panel data linear regression, classical assumption test and hypothesis testing using Eviews 12 software. The results showed that profit sharing financing and NPF partially had a positive and insignificant effect on ROA, BOPO partially had a negative and significant effect on ROA, and FDR partially had a negative but insignificant effect on ROA. Profit sharing financing, BOPO, NPF and FDR simultaneously affect ROA. The four variables have the ability to affect ROA by 35.41%, while the remaining 64.59% is influenced by other variables not included in the research model.
Institutionalizing Social Entrepreneurship in Pesantren Business Units: A Qualitative Study of Sustainable Community Empowerment in East Java Muhammad Hafidh Nashrullah; Ahmad Munir Hamid; Nawari; Ishfaq Ahmed
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 2 (2026): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i2.8033

Abstract

This study examines the institutionalization of social entrepreneurship within pesantren (Islamic boarding school) business units in East Java and its contribution to sustainable community empowerment. A qualitative multiple-case study approach was employed, using in-depth interviews, participant observation, and document analysis across five pesantren with established business units. The findings reveal that social entrepreneurship is institutionalized through the integration of Islamic values, local wisdom, and entrepreneurial practices. Visionary leadership, stakeholder collaboration, hybrid social-commercial strategies, and organizational learning emerge as the main institutional drivers. The study introduces the concept of Spiritual-Social Value Recoupling, describing how religious values reshape business practices to prioritize social welfare alongside economic sustainability. Despite challenges related to resource dependency, leadership succession, and mission drift, pesantren business units have generated multidimensional impacts, including economic empowerment, educational improvement, social welfare, and environmental responsibility. The findings enrich social entrepreneurship theory within faith-based organizations and provide practical insights for strengthening sustainable community development.
ANALYSIS OF FOOD PRODUCTION AND CONSUMPTION IN ISLAMIC BUSINESS ETHICS: A CASE STUDY OF BUSER INVESTIGASI Indah Kurnianingsih; Wan Norhaniza Wan Hasan
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 8 No. 2 (2025): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v8i2.8099

Abstract

This study aims to analyze Indonesia's food production methods that violate Islamic business ethics by using substances that are not fit for human consumption. Articles, journals, and research reports from social media and television are used as secondary data sources in this descriptive qualitative research. The focus of the research is on Islamic business ethics norms, particularly in food production. Data is collected through case observations reported by the media, such as investigations by the Buser SCTV team. The results show that many producers violate the principles of ethical production in Islam by using raw materials that are unfit for consumption, such as rotten tomatoes, excessive preservatives, and hazardous recycled plastics. These cases indicate poor practices that could harm consumers, both in terms of health and safety. Other examples include the production of tempeh with unsafe ingredients and the use of chemicals without proper labeling. The conclusion of this study is that many business players in Indonesia have deviated from the corridor of Islamic business ethics, neglecting principles of honesty and safety in production, which adversely affects consumers and society at large. The implementation of Islamic business ethics is crucial to safeguarding the welfare of consumers
MINIMIZING AGENCY PROBLEMS IN MUDHARABAH CONTRACTS THROUGH THE PRINCIPLE OF TAUHID Irfan Ramis; Hardianti Nur; Muhammad Wahyuddin Abdullah; Rusmadi Rijal Saleh
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 8 No. 2 (2025): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v8i2.8542

Abstract

This research aims to minimize the agency problem in mudharabah contract through tawhid principle. This research works with qualitative approach which applies the method of library research by implementing the literature review. Agency theory focuses on two aspects, the principal and the agent where the principal as the owner (shahibul maal) and the agent as the manager (mudharib). Agency problem takes place after the work, there are three conflicts during the agency problem; purpose conflict, behavior conflict, and asymmetric information conflict. Mudharabah is the corporation system which has declared position in Islam. Mudharabah is basically a contract of profit and loss sharing in which one side trusts some capitals to an investor. As the result, he will get what has been determined from the profit/loss of the business invested. This kind of contract requires transparency of the businessman. If one of the main sides especially mudharib does not report everything transparently, there will be activities called adverse selection and moral hazard. The mudharabah contract is a finance contract full of asymmetric information. The effort of minimizing the agency problem is inserting the Tawhid principle where Allah is the truest witness of all contracts. Based on the Tawhid principle and ethics considering the purpose or maqashid al-syariah; Keeping religion (Faith), keeping the wealth, keeping mind, keeping souls and children. The tawhid values must be implemented in our daily muamalah such as honesty, ransparency, trusty, and well-believed in economic activity.
EXPLORING THE POTENTIAL OF THE SHARIA ECONOMY IN THE MIDST OF THE DIGITAL REVOLUTION Maftuhah maf tuhah; Muhlis Muhlis; Lukita Permanasari; Duta Bintan Fitriyah
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 8 No. 2 (2025): Juli
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v8i2.8659

Abstract

The digital revolution has brought significant changes to various economic sectors, including Islamic economics. This study aims to explore the potential of Islamic economics in the digital era by analyzing the opportunities and challenges faced. The research employs a qualitative approach, conducting a literature review on the digitalization of Islamic economics from both micro and macroeconomic perspectives. The findings indicate that digitalization in Islamic economics can enhance efficiency, accessibility, and transparency of transactions. Technological innovations such as Islamic fintech and halal e-commerce platforms play a crucial role in expanding the reach of Islamic financial services. However, challenges such as low digital literacy, inadequate technological infrastructure, and the lack of supportive regulations remain obstacles in the development of Islamic economics in the digital era. Therefore, government support in the form of appropriate regulations and the enhancement of public digital literacy are essential to maximize the potential of Islamic economics in the digital era. Collaboration among the government, industry players, and the community is key to addressing challenges and leveraging existing opportunities.

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