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Nafidatun Nikmah
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Al-Maqashid: Journal of Economics and Islamic Business
Published by Institut Pesantren Sunan Drajat Lamongan
ISSN : 27758931     EISSN : 27978214     DOI : https://doi.org/10.55352/maqashid.v2i2
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal ini dikelola oleh Program Studi Ekonomi Syariah Fakultas Ekonomi Bisnis Islam dan diterbitkan oleh Lembaga Penelitian dan Pengabdian Masyarakat Institut Pesantren Sunan Drajat Lamongan. Jurnal ini mempublikasikan artikel penelitian kualitatif dan kuantitatif yang mencakup bidang ekonomi dan keuangan syariah. Jurnal Terbit 2 (dua) kali dalam setahun yakni pada April dan Oktober
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 102 Documents
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Pengaruh Penerapan Nilai-Nilai Syariah dan Kualitas Pelayanan terhadap Kepuasan Nasabah (Studi Kasus: Bank Syariah Indonesia KCP Sumberrejo Bojonegoro) Sutiya Lestari; Lailatul Nur Afifah
Al-Maqashid: Journal of Economics and Islamic Business Vol. 4 No. 1 (2024): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v4i1.632

Abstract

This study aims to test and analyze the effect of the application of Sharia values and service quality on customer satisfaction (study at Bank BSI KCP Bojonegoro Sumberrejo). The population of this study was customers of Bank BSI KCP Bojonegoro Sumberrejo, with a saturated sample of 30 respondents. The analytical methods used in this study are validity tests, reliability tests and multiple linear regression. The results showed that partially the variable application of Sharia values did not affect customer satisfaction. Meanwhile, partially the variable of service quality has a significant effect on customer satisfaction. And simultaneously the variables of the application of sharia values and the quality of service have a positive and significant effect on customer satisfaction
PRILAKU KONSUMEN DALAM ISLAM (Kajian Prinsip-prinsip Konsumsi dalam Perspektif Ekonomi Mikro Islam) ‘Ainun Najihah, Wilda; Siswadi, Siswadi
Al-Maqashid: Journal of Economics and Islamic Business Vol. 3 No. 2 (2023): Oktober: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v3i2.643

Abstract

Consumption activities or efforts to fulfill the needs that humans want, one of which must make a sacrifice by giving up something of value or value with something that they want. In other words, there are many activities that we carry out, including those that we often do, commonly called buying and selling. Islam sees the concept of buying and selling as a tool to make people more mature in their way of thinking and carrying out various economic activities. This research aims to answer, describe and analyze the research problem formulation which consists of: 1) What are the objects of consumption, (2) What are the consumer behavior assumptions?, (3) What are the principles of consumer behavior, (4) Consumer satisfaction criteria The research method used in this research is the literacy study or library research method. Literacy studies are written summaries of articles from journals, books and other documents that describe theories and information both past and present, organizing literature into the required topics and documents. The results of this research concluded that: Consumption is not just an activity of eating or drinking, but is an activity of using goods or services that can directly satisfy individual human needs. Thus, consumption can be concluded as an activity to fulfill needs in order to achieve satisfaction. Assumptions. Consumption must prioritize aspects of morality and social responsibility. Consumption is controlled by at least five principles, namely: Justice, cleanliness, simplicity, generosity and morality. Factors that influence satisfaction. Consumer: Product, service, emotional, cost and price.
Pentingnya Manajemen Keuangan dalam Lembaga Pendidikan Nanik Rodiyah; Siswadi, Siswadi
Al-Maqashid: Journal of Economics and Islamic Business Vol. 4 No. 1 (2024): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v4i1.862

Abstract

Schools become producers of individuals who are intellectually capable and skilled. School is a formal educational environment, as well as forming students' personalities whose aim is to achieve 3 factors, namely cognitive, affective and psychomotor aspects. This research aims to answer, describe and analyze the research problem formulation which consists of: How is Financial Management in Educational Institutions?, (2) What are the Principles of Financial Management in Educational Institutions?. The research method used in this research is a qualitative research method. Qualitative research is a type of research whose findings are not obtained through statistical procedures or other forms of calculation. Qualitative research methods are used to obtain in-depth data, data that contains meaning. Therefore, qualitative research does not emphasize generalization. The type of research used is field research, namely research going into the field to make observations about a phenomenon in a natural state. The results of this research concluded that: (1) The aim of financial management in educational institutions is to maximize company value, (2) the function of financial management in educational institutions is the main activity that must be carried out by those responsible in certain fields. (3) Financial Management plays a big role in running a company or educational institution because a good financial system will produce good products too.
Determinan Keputusan Pembelian Produk Makanan dan Minuman: Analisis Peran Sertifikasi Halal, Kualitas Produk, dan Harga di Rocket Chicken Cabang Yogyakarta Muhammad Lucky P.
Al-Maqashid: Journal of Economics and Islamic Business Vol. 4 No. 1 (2024): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v4i1.877

Abstract

The food and beverage industry in Indonesia has experienced rapid development, especially with increasing consumer awareness of halal products. This also drives up the demand for halal products, especially halal food and beverage products, which are the primary needs of Muslims. Therefore, this research aims to examine the influence of halal certification, product quality and price on purchasing decisions for food and beverage products at Rocket Chicken Yogyakarta Branch. In this research, Rocket Chicken is considered to be a very potential research object because it is one of the developing types of Micro, Small and Medium Enterprises (MSMEs) which operates in the culinary sector. The method used in this research is the Multiple Linear Regression model by taking 66 respondents with the help of data processing using Eviews 10 software. The results of this research prove that halal certification and price have a significant influence on food and beverage purchasing decisions at Rocket Chicken Branch Yogyakarta. Meanwhile, separately, only the product quality variable was not significant. Therefore, MSMEs at Rocket Chicken Yogyakarta Branch must obtain halal certification, pay attention to product quality and price to increase consumer purchasing power for their products.
Peran Perempuan dalam Perekonomian Keluarga Petani di Pantura Kecamatan Brondong Kabupaten Lamongan Nikmah, Nafidatun; Muhammad Khowiludin
Al-Maqashid: Journal of Economics and Islamic Business Vol. 4 No. 1 (2024): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v4i1.905

Abstract

Many women from the north coast of Lamongan work in the vegetable trading sector because this sector is able to provide a regular source of income. Apart from that, the vegetable farming sector also provides enormous opportunities for the involvement of women because the jobs that work in the circulation of vegetable farmers are very young. This research focuses on the role of women in their work that runs in the agricultural sector and whether the role they build can make a bargaining position in family decision-making. This research was conducted at a vegetable market located in Sendangharjo Village, Pambon and Sedayu, Lamongan. In this study used a descriptive qualitative approach, the data obtained using the method of observation, interviews, and documentation. Furthermore, the data was analyzed through several stages starting with data collection, data reduction, data presentation and drawing conclusions. Then triangulation of data was carried out to test the validity of the data. The results of the study show that the role of women fish traders who have an incomprehensible sense of why they have to work is very influential in improving the family's economy. At the level of access and control, women have made progress, even though men tend to be in a superior position. For those same people, they have been mutually dependent and supported in their roles between husband and wife
Kepatuhan Syariah dalam Fintech Lending: Analisis Hukum atas Praktik Pinjaman Online Syariah di Indonesia. Syahrimuddin; Guntur Rio Setiawijaya; Intan Muthoharoh; Ratih Ajeng Kusuma
Al-Maqashid: Journal of Economics and Islamic Business Vol. 7 No. 1 (2026): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v7i1.2815

Abstract

Penelitian ini bertujuan untuk menganalisis konstruksi regulasi fintech lending syariah di Indonesia, mengkaji model akad yang digunakan, serta mengevaluasi tingkat kepatuhan syariah dalam praktik pinjaman online. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kepustakaan dan analisis dokumen terhadap regulasi Otoritas Jasa Keuangan (OJK), fatwa Dewan Syariah Nasional–Majelis Ulama Indonesia (DSN-MUI), serta literatur akademik yang relevan. Data dianalisis secara deskriptif-analitis menggunakan kerangka maqāṣid al-sharīʿah untuk menilai aspek kepatuhan syariah. Hasil penelitian menunjukkan bahwa regulasi fintech lending syariah di Indonesia bersifat hybrid, yaitu menggabungkan POJK No. 10/POJK.05/2022 dengan Fatwa DSN-MUI No. 117/2018. Dalam praktiknya, platform fintech menggunakan akad murabahah, wakalah bil ujrah, dan qardh. Meski demikian, masih ditemukan tantangan berupa potensi penyimpangan biaya layanan, keterbatasan transparansi akad, serta rendahnya literasi keuangan syariah. Penelitian ini menegaskan pentingnya penguatan sharia governance, peningkatan peran Dewan Pengawas Syariah, dan integrasi regulasi untuk memastikan keberlanjutan fintech syariah.
Legitimasi Syariah dan Rasionalitas Pasar: Analisis Kritis Fatwa DSN-MUI pada Perdagangan Saham Syariah di Indonesia Hanafi; Yuyu Yuniar; Arsyad Ali Fahmi; Mohammad Ismail
Al-Maqashid: Journal of Economics and Islamic Business Vol. 7 No. 1 (2026): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v7i1.2816

Abstract

Penelitian ini bertujuan menganalisis secara kritis konstruksi legitimasi syariah dalam fatwa yang dikeluarkan oleh Dewan Syariah Nasional Majelis Ulama Indonesia terkait perdagangan saham serta menelaah bagaimana rasionalitas pasar mempengaruhi interpretasi dan implementasinya dalam praktik pasar modal syariah di Indonesia. Penelitian menggunakan pendekatan kualitatif dengan desain normatif-kritis. Data dikumpulkan melalui studi dokumentasi terhadap fatwa DSN-MUI, regulasi pasar modal dari Otoritas Jasa Keuangan, serta literatur akademik mengenai ekonomi Islam dan sosiologi ekonomi. Pengumpulan data dilakukan melalui studi kepustakaan dan analisis dokumen, sedangkan analisis data menggunakan analisis isi dan analisis wacana kritis untuk mengkaji hubungan antara legitimasi syariah dan rasionalitas pasar. Hasil penelitian menunjukkan bahwa fatwa DSN-MUI berperan dalam membangun legitimasi religius terhadap perdagangan saham melalui reinterpretasi konsep kepemilikan, transaksi, dan mekanisme penyaringan saham. Namun, rasionalitas pasar tetap dominan sehingga fatwa dalam beberapa aspek berfungsi sebagai kompromi normatif antara prinsip syariah dan efisiensi pasar. Penelitian ini menunjukkan terbentuknya model hibrida antara norma syariah dan sistem pasar modern.
Analisis Strategi Promosi dan Minat Beli Konsumen terhadap Batik Gedog Margomulyo, Kerek, Tuban Biyati Ahwarumi; Akhmad Sirojudin Munir
Al-Maqashid: Journal of Economics and Islamic Business Vol. 7 No. 1 (2026): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v7i1.2837

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh strategi promosi terhadap minat beli konsumen Batik Gedog di Desa Margomulyo. Berdasarkan analisis regresi linier dan ANOVA, hasil penelitian menunjukkan bahwa strategi promosi memiliki pengaruh signifikan terhadap minat beli konsumen. Setiap peningkatan satu unit dalam promosi berhubungan dengan peningkatan 0,652unit dalam minat beli (β = 0,652; p < 0,001). Penelitian ini juga menemukan bahwa promosi yang lebih intens, khususnya melalui media sosial, dapat meningkatkan minat beli, meskipun pengaruhnya tidak sepenuhnya linier. Oleh karena itu, pengrajin Batik Gedog disarankan untuk memanfaatkan media sosial, meningkatkan keterampilan digital, dan mengintegrasikan nilai budaya dalam strategi promosi mereka. Penelitian lebih lanjut disarankan untuk mengeksplorasi faktor lain yang mempengaruhi minat beli dan menggunakan sampel yang lebih besar.
Analisis Kontribusi Green Islamic Finance terhadap Pertumbuhan Ekonomi Berkelanjutan di Indonesia Amad Yani; Sarnada; Andika Saputra; Saniatul Hidayah
Al-Maqashid: Journal of Economics and Islamic Business Vol. 7 No. 1 (2026): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v7i1.2909

Abstract

This study analyzes the contribution of Green Islamic Finance (GIF) to sustainable economic growth in Indonesia during the 2015–2024 period. Using a mixed-method approach with panel data regression analysis and qualitative descriptive analysis, this study integrates two theoretical frameworks that have often developed in parallel: sustainable finance and maqashid al-shariah. Data were obtained from reports published by the Financial Services Authority (OJK), Bank Indonesia (BI), and the Ministry of Finance of the Republic of Indonesia. The findings show that GIF instruments, particularly green sukuk, have a positive and significant effect on sustainable economic growth indicators, with a regression coefficient of 0.423 (p < 0.01). Every 10% increase in green sukuk issuance is associated with a 1.8% increase in the national Sustainable Development Index (SDI). The novelty of this study lies in the construction of a GIF composite index that simultaneously integrates environmental, sharia, and economic dimensions, an approach that has not been applied in previous studies. The policy implications highlight the importance of strengthening inclusive regulation and GIF literacy as a strategy to accelerate the transition toward a green economy based on Islamic values.
Analisis Yuridis terhadap Implementasi Konsep Maslahah Mursalah dalam Kebijakan Perlindungan Konsumen pada Fintech Syariah di Indonesia Joko Suranto; Muhabim Lutfi Haqna; Ratih Ajeng Kusuma; Mohammad Ismail
Al-Maqashid: Journal of Economics and Islamic Business Vol. 7 No. 1 (2026): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Universitas Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v7i1.2910

Abstract

Abstrak: Penelitian ini bertujuan menganalisis sejauh mana konsep maslahah mursalah diimplementasikan dalam kebijakan perlindungan konsumen fintech syariah di Indonesia, mengevaluasi kesesuaian regulasi yang berlaku dengan prinsip kemaslahatan, serta merumuskan rekomendasi kebijakan berbasis maqashid al-syariah. Metode yang digunakan adalah yuridis normatif dengan pendekatan perundang-undangan dan konseptual, menggunakan data sekunder berupa regulasi OJK, fatwa DSN-MUI, literatur ushul fiqh, dan artikel jurnal terkini. Hasil penelitian menunjukkan bahwa meskipun regulasi perlindungan konsumen fintech syariah secara parsial mencerminkan nilai kemaslahatan, terutama dalam aspek perlindungan data dan transparansi, implementasi maslahah mursalah belum bersifat sistematis dan menyeluruh. Terdapat tiga kesenjangan kritis: absennya rujukan eksplisit pada prinsip kemaslahatan dalam naskah regulasi, lemahnya mekanisme enforcement, dan ketiadaan standar kontrak yang berbasis maqashid. Penelitian ini berkontribusi dengan mengusulkan Kerangka Regulasi Berbasis Kemaslahatan (KRBK) sebagai model kebijakan fintech syariah yang berpijak pada hierarki maslahah dan dimensi maqashid al-syariah.

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