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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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Co-Creating Operational Service Excellence In SMES: Integrating Academic Insights And Sharia Banking Practices Through Service-Dominant Logic Denny Rakhmad Widi Ashari; Gautama Sastra Waskita; Nurani; Ahmad Rifa’i; Muhammad Syahrul Hidayat
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

Small and medium-sized enterprises (SMEs) face increasing pressure to enhance service quality within market uncertainty, limited resources, and rapid digital transformation. However, many SMEs struggle to develop sustainable service excellence due to fragmented capabilities and the absence of structured cross-sector collaboration. This study aims to investigate how co-creation between SMEs, academic institutions, and the banking industry can jointly drive service excellence by adopting the principles of Service-Dominant Logic (SDL). A qualitative exploratory design was employed, using in-depth interviews, expert discussions, and document analysis to examine the interplay of knowledge exchange, resource integration, and collaborative service innovation across the three stakeholder groups. The findings reveal that service excellence emerges through co-created value rather than isolated organizational initiatives. Academic institutions contribute theoretical frameworks and analytical tools, while the banking sector provides financial expertise, risk management practices, and customer service models. SMEs, in turn, integrate these resources to build adaptive capabilities, elevate customer experience, and strengthen operational resilience. The study demonstrates that triadic collaboration enables SMEs to transition toward customer-centric service models, leverage digital technologies, and develop more robust financial and managerial competencies. These insights extend the SDL framework by highlighting the role of multi-actor ecosystems in shaping service innovation within resource-constrained contexts. The implications underscore the need for structured co-creation platforms, capacity-building initiatives, and long-term partnerships to scale SME service excellence. The study further recommends exploring broader ecosystem actors and mixed-method approaches to deepen theoretical and managerial understanding of co-creation-driven service transformation.
APPLICATION OF THE TABBRU BIL UJRAH CONTRACT IN THE MANAGEMENT OF PRODUCTIVE WAQF Abdillah Nurul Bahri; Ade Yusuf Mujaddid; Nur Fatoni
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.v8i2.8757

Abstract

Abstrak Penelitian ini mengeksplorasi penerapan akad tabarru' bil ujrah dalam pengelolaan wakaf produktif. Akad ini mengombinasikan unsur pemeliharaan ( tabarru' ) dengan pemberian ketidakseimbangan ( ujrah ) kepada pengelola wakaf, yang diharapkan mampu meningkatkan profesionalisme dan keinginan pengelolaan aset wakaf. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi literatur untuk menganalisis konsep, teori, dan temuan-temuan terdahulu yang relevan. Teknik pengumpulan data dilakukan melalui peninjauan sumber-sumber akademis, seperti jurnal, buku, dan dokumen terkait pengelolaan wakaf produktif serta penerapan akad tabarru' bil ujrah . Hasil penelitian menunjukkan bahwa akad tabarru' bil ujrah berpotensi menciptakan pengelolaan wakaf yang lebih profesional, transparan, dan sesuai syariah, dengan manfaat sosial dan ekonomi yang lebih luas. Namun, tantangan seperti literasi wakaf, kapasitas pengelola, dan regulasi yang mendukung memerlukan perhatian lebih. Penelitian ini berkontribusi dalam memberikan landasan teoritis dan panduan praktis bagi nadzir dan pemangku kepentingan dalam memaksimalkan potensi wakaf produktif melalui akad syariah inovatif. Kata Kunci: Wakaf Produktif, Akad Tabarru' Bil Ujrah , Pengelolaan Wakaf, Ekonomi Syariah Abstrak Penelitian ini membahas penerapan akad tabarru' bil ujrah dalam pengelolaan wakaf produktif. Akad ini memadukan unsur keutamaan (tabaru') dengan pemberian ketidakseimbangan (ujrah) kepada pengelola wakaf, yang diharapkan dapat meningkatkan profesionalisme dan keinginan pengelolaan aset wakaf. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi pustaka untuk menganalisis konsep, teori, dan temuan terdahulu yang relevan. Teknik pengumpulan data dilakukan melalui telaah sumber-sumber akademis, seperti jurnal, buku, dan dokumen yang terkait dengan pengelolaan wakaf produktif dan penerapan akad tabarru' bil ujrah. Hasil penelitian menunjukkan bahwa akad tabarru' bil ujrah berpotensi menciptakan pengelolaan wakaf yang lebih profesional, transparan, dan sesuai syariah, dengan manfaat sosial dan ekonomi yang lebih luas. Namun, tantangan seperti literasi wakaf, kapasitas pengelola, dan regulasi pendukung memerlukan perhatian lebih. Studi ini memberikan kontribusi dalam menyediakan landasan teori dan arahan praktis bagi para nadzir dan pemangku kepentingan dalam memaksimalkan potensi wakaf produktif melalui kontrak-kontrak syariah yang inovatif. Kata Kunci: Wakaf Produktif, Akad Tabarru' Bil Ujrah, Pengelolaan Wakaf, Ekonomi Syariah
THE INFLUENCE OF HALAL LABELING, HALAL AWARENESS, AND INFLUENCERS ON THE PURCHASE INTENTION OF GEN-Z MUSLIM CONSUMERS ON HALAL COSMETIC PRODUCTS IN SURABAYA Balqis - -
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.v8i2.9148

Abstract

The objective of this research is to determine how halal labels, halal awareness, and halal influencers affect Gen-Z Muslim consumers' purchasing intentions for halal cosmetics in Surabaya. The distribution of online questionnaires served as the major data source for this descriptive quantitative study design. There were 100 respondents in all, and the sampling method was carried out using the purposive sampling technique. Multiple linear regression on the SPSS application was used to analyze the data. According to the results of this study, halal awareness and influencers have an impact on Gen-Z Muslim consumers' purchase intentions for halal cosmetic products in Surabaya. Meanwhile, halal labels do not influence Gen-Z Muslim consumers' intentions to purchase halal cosmetic items in Surabaya. Marketers should display the halal logo on the packaging of cosmetic items sold.
Toward A Comprehensive Understanding: The Deductive Method Of Madzhab Ushul Fiqh Mutakallimin And Its Transformative Impact On Moderate Fiqh Discourse Ahmad Munir Hamid
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol. 9 No. 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

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Abstract

This paper examines the deductive method used by the Ushul Fiqh Mutakallimin madhhab and its implications for moderate fiqh thought. Madzhab Ushul Fiqh Mutakallimin is one of the schools of thought in the science of Ushul Fiqh which has a strong deductive approach in understanding sharia laws. This paper involves an in-depth analysis of the basic principles of the deductive method used by the Ushul Fiqh Mutakallimin madhhab, including the use of textual postulates and qiyas (analogies) in determining the laws of fiqh. In the contemporary context, moderate fiqh thought is particularly relevant in the face of the complex challenges faced by Muslims. A more flexible understanding of sharia laws can help in addressing various social and moral problems that arise in modern society. Therefore, an understanding of the deductive method of the Ushul Fiqh Mutakallimin madhhab and its implications for moderate fiqh thought has important relevance in developing fiqh insights that are in accordance with the demands of the times.
THE ROLE OF BRILINK AGENTS IN IMPROVING THE ECONOMY OF RURAL COMMUNITIES WITH AN ECONOMIC APPROACH desti Paradilla; Munawarah Munawarah; Musrini Muis
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.v8i2.9286

Abstract

This study seeks to examine how BRILink agents contribute to enhancing the economic development of rural communities using an Islamic economic approach economic approach. This field study applies a qualitative approach, utilizing data collection methods such as interviews, observations, and documentation. Interviews were conducted with BRILink agents and users to obtain comprehensive data. The gathered data was analyzed using descriptive methods. The findings show that the presence of BRILink agents provides easy access to banking services, accelerates transactions, and support the growth of SMEs, thereby contributing to the welfare of society, especially farmers and SMEs. Further analysis shows that BRILink agent operations are consistent with Islamic economic values like collaboration, fairness, certainty, and advantage, the current setup requires more agents to better serve the broader population. The findings of study indicate that policies to support the development of BRILink agents in similar villages are very important to expand financial access and financial inclusion.
THE INFLUENCE OF ISLAMIC FINANCIAL LITERACY ON ISLAMIC FINANCIAL INCLUSION OF ECONOMIC EDUCATION STUDENTS OF STAMBUK 2023 AT MEDAN STATE UNIVERSITY Dwi Atika Zahara; Fais Irawan; Khairunnisa Umi Al Mas; Sabrina Erisa Aulia Sihotang; Siti Mardiah
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.v8i2.9316

Abstract

Indonesia is a country that has the largest Muslim population in the world, the potential that Indonesia has is quite large in the development of the Islamic banking and finance sector. This research focuses on Economics Education students of Stambuk 2023 to analyze their level of Islamic financial literacy and its influence on Islamic financial inclusion. Hopefully, this research can provide deeper insights into the relationship between Islamic financial literacy and inclusion. This research uses quantitative methods with an associative approach, as well as primary data analyzed through computational tests with simple linear regression techniques. The research sample consisted of 30 students selected using probability sampling and purposive sampling methods. The research instrument was a questionnaire distributed indirectly to respondents, with a questionnaire containing open questions and five answer choices. Data analysis was carried out using inferential analysis techniques. Based on the results of the t test, the calculated t value is 3.142, which is greater than the t table of 1.70133 (3.142> 1.70133), as well as a significance value of 0.004 which is smaller than 0.05 (0.004 < 0.05). These results show that the null hypothesis (H₀) is rejected and the alternative hypothesis (H₁) is accepted, which indicates that there is a positive and significant relationship between financial literacy and financial inclusion. Thus, the higher a person's financial literacy, the more likely they are to access and utilize various products from formal financial services, including Islamic finance.
K-POP FAN BEHAVIOR AMONG ISLAMIC ECONOMICS STUDENTS: A MAQĀṢID SHARĪʿAH PERSPECTIVE Marlina Marlina; Muh. Arafah; Hartas Hasbi
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.v8i2.9347

Abstract

Research on K-pop fan behavior among Islamic Economics students, particularly from the perspective of maqāṣid sharīʿah, remains scarce. This study aims to fill this gap by analyzing the balance between K-pop fandom and the academic, economic, and religious responsibilities of female students at the Islamic Economics Program of IAIN Bone. This research employs a qualitative field research methodology with an Islamic Economics approach, focusing on consumption behavior. The study investigates the specific behaviors of K-pop fans within the 2021 cohort of these students and analyzes how these behaviors align with maqāṣid sharīʿah. Data was primarily collected through interviews with students actively engaging with K-pop culture and managing related expenses. Findings indicate that students tend to be selective and rational in consuming K-pop products, considering economic factors like limited income, prices, and other needs. Socially and culturally, K-pop fandom serves not only as entertainment but also motivates skill development, such as learning Korean and understanding global culture. From the maqāṣid sharīʿah perspective, the behavior is analyzed through Ḥifẓ al-dīn (preservation of religion), where students maintain worship and avoid excessive fanaticism; Ḥifẓ an-nafs (preservation of self/soul), where fandom positively impacts mental well-being and motivation; and Ḥifẓ al-māl (preservation of wealth), where students demonstrate financial prudence, distinguishing needs from wants and avoiding excessive consumption.
Stock Volatility, Cash Flow, and Financial Planning of Sharia Securities Issuers: An ARIMA Approach Hariyanti; Sukistanto; Febi Yanne Mustika
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.v9i2.12607

Abstract

This study examines the effect of stock price fluctuations on cash flow conditions and financial planning strategies among companies listed on the Indonesia Stock Exchange’s Sharia Securities List (DES). Using a quantitative approach that combines explanatory research and time series analysis, the study analyzed 45 issuers consistently listed on the DES from 2021 to 2025. The sample was selected through purposive sampling, using secondary data from daily stock price movements and annual financial reports published by the IDX and the Financial Services Authority (OJK). ARIMA modeling was applied to forecast stock volatility, while panel data regression was used to assess its impact on internal financial conditions. The findings indicate that stock price fluctuations have a significant negative effect on operational cash flow (coefficient -12.456; p=0.007). In response to increased uncertainty, firms tend to raise their cash reserve ratio (coefficient 0.008; p=0.045), although earnings forecast accuracy declines (coefficient -0.234; p=0.003). The ARIMA (1,1,1) model produced strong predictive accuracy, with a MAPE of 3.80%. Overall, the results suggest that ARIMA-based forecasting should be integrated into scenario-based financial planning to support more adaptive managerial decisions.
Women’s Cooperatives As A Platform For Feminist Economic Movements: Enhancing Women’s Economic Empowerment In East Lombok, Indonesia Irfan Azim; Muhammad Riyadlul Jinan; Zikri Rakhman
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.v9i2.12682

Abstract

This study aims to analyze the role of women's cooperatives as a strategy for empowerment and economic independence through a community-based feminist economic approach in East Lombok Regency. The research employs a qualitative approach with a multi-case study design, complemented by descriptive quantitative data analysis. Data were collected through in-depth interviews, field observations, documentation, and a survey involving 120 members of women's cooperatives. The results indicate that women's cooperatives play a crucial role in enhancing women's financial inclusion by providing access to business capital, savings, and micro-enterprise development. Access to business credit increased from 32% before joining to 81% after becoming members, while routine savings ownership rose from 41% to 76%. Furthermore, the proportion of members capable of developing independent businesses increased from 29% to 64%, with average incomes rising by approximately 37% within two years. From a feminist economic perspective, these cooperatives serve as collective economic spaces that strengthen women's bargaining power within the local economic structure. These findings suggest that women's cooperatives possess significant potential as an inclusive and sustainable model for women's economic empowerment.
Risk Mitigation Management for Maintaining Profitability at KSPPS BMT Assyafi’iyah Berkah Nasional Metro Branch dwi panji alfian panji; Ika Trisnawati Alawiyah; Haris Santoso
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.v9i2.12686

Abstract

Lembaga keuangan memainkan peran strategis dalam perekonomian nasional karena berfungsi sebagai perantara, menyalurkan dana dari unit surplus ke unit defisit. Namun, aktivitas ini secara inheren rentan terhadap berbagai risiko yang dapat mengganggu profitabilitas dan keberlanjutan institusi, seperti risiko kredit, risiko pasar, dan risiko operasional. Risiko yang tidak dikelola dengan baik berpotensi menyebabkan kerugian finansial dan mengurangi kepercayaan anggota dan pelanggan. Oleh karena itu, implementasi manajemen mitigasi risiko sangat penting untuk mengidentifikasi, mengukur, memantau, dan mengendalikan potensi ancaman terhadap stabilitas keuangan lembaga. Studi ini bertujuan untuk menganalisis implementasi manajemen mitigasi risiko di BMT Assyafi'iyah Berkah Nasional Metro Branch dan mengevaluasi efektivitasnya dalam menjaga profitabilitas lembaga. Penelitian ini menggunakan studi lapangan dengan pendekatan kualitatif deskriptif. Data primer diperoleh melalui wawancara dengan manajer cabang, staf pemasaran, dan kasir, sedangkan data sekunder dikumpulkan dari dokumen internal, buku, dan jurnal akademik yang relevan. Teknik pengumpulan data meliputi observasi, wawancara, dan dokumentasi, diikuti dengan analisis data melalui reduksi data, penyajian data, dan penarikan kesimpulan. Temuan menunjukkan bahwa BMT menerapkan manajemen mitigasi risiko secara sistematis dan terintegrasi, dengan menggunakan strategi yang melibatkan penilaian karakter, kapasitas, modal, jaminan, dan kondisi bisnis anggota. Manajemen risiko yang tepat telah terbukti mampu menjaga indikator kinerja keuangan yang stabil, termasuk Margin Laba Kotor, Margin Laba Bersih, Pengembalian Investasi (ROI), Pengembalian Ekuitas (ROE), dan Daya Perolehan Dasar. Selain itu, koordinasi antar unit dan pemantauan risiko yang berkelanjutan meningkatkan kepercayaan anggota dan mendukung stabilitas operasional. Oleh karena itu, manajemen mitigasi risiko berperan sebagai faktor kunci dalam meningkatkan profitabilitas dan memastikan keberlanjutan BMT Assyafi'iyah Berkah Nasional Metro Branch.

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