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Aldo Robby Pradana
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INDONESIA
Commodity : Jurnal Perbankan dan Keuangan Islam
Published by Institut Agama Islam Ngawi
ISSN : -     EISSN : 29638569     DOI : https://doi.org/10.56997/commodity
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Mathematics Social Sciences Other
Jurnal ini menyediakan forum untuk menerbitkan artikel terkait dengan ekonomi Islam. Seperti artikel tentang perbankan syariah, ekonomi syariah, bisnis syariah, manajemen syariah, sejarah pemikiran ekonomi Islam, sosial ekonomi Islam, zakat, wakaf dan shadaqah
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 41 Documents
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MAQASHID SYARIAH DALAM EKONOMI: TINJAUAN KRITIS ATAS PEMIKIRAN ASY-SYATIBI Anisa, Lina Nur
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 2 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i2.1669

Abstract

This article examines the significant role of maqashid syariah in Islamic economic thought, particularly through the contributions of Asy-Syatibi. Maqashid Syariah, emphasizing the general welfare, serves as a core principle in developing an equitable and inclusive Islamic economy. The article aims to analyze Asy-Syatibi's economic thought from the perspective of maqashid syariah and assess the relevance of this concept in contemporary Islamic economics. This research employs a qualitative method with a literature review approach, examining various works on the concept of maqashid syariah and a critical analysis of Asy-Syatibi's thoughts in depth.The study concludes that Asy-Syatibi's principles of maqashid syariah can be adapted to shape modern economic policies that are more inclusive and socially just. With proper implementation, these principles have the potential to address current global economic challenges. This study also recommends collaboration between governments and financial institutions to optimize the application of zakat and waqf and to enhance Sharia-based business ethics education, fostering a more sustainable economic system.
DAMPAK PENERAPAN E-MATERAI TERHADAP PENDAPATAN KANTOR POS CABANG NGAWI Fitrianti, Ratna; Anifah, Siti
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.1777

Abstract

This study aims to analyze the impact of the implementation of e-stamps on the income of the Ngawi Branch Post Office. In the era of digitalization, innovations such as e-stamps are expected to improve operational efficiency and provide convenience for customers in conducting administrative transactions. The research method used is a quantitative approach with a descriptive and causal design, where data is collected through questionnaires and secondary data analysis from post office financial reports. The results of the study indicate that there is a significant increase in income after the implementation of e-stamps. Efficiency in the administrative process and ease of access for customers are the main factors that drive increased income. In addition, the success of the implementation of e-stamps is also influenced by socialization, infrastructure availability, and management support. This study contributes to the understanding of public service innovation and its implications for economic performance, and offers recommendations for policy development in the postal service sector in Indonesia.
ANALISIS PENANGANAN NASABAH YANG MENINGGAL SEBELUM JATUH TEMPO TERHADAP AKAD MURABAHAH DI KSPPS BMT NU SEJAHTERA KCP MANTINGAN NGAWI Purvitasari, Yosi
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 2 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i2.2160

Abstract

Murabahah financing is a form of financing based on a sale and purchase agreement that is commonly used in Islamic financial institutions. The Covid-19 pandemic has had a significant impact on the implementation of this agreement, especially when a financing member dies before the payment of obligations. This study aims to analyze the mechanism for handling murabahah financing for members who die before the payment due date at KSPPS BMT NU Sejahtera KCP Mantingan Ngawi, and to review its compliance with DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 concerning Murabahah. The method used is a descriptive qualitative approach with data collection techniques through interviews and documentation. The results of the study show that in the old provisions, the heirs are obliged to pay off the remaining financing. However, based on the new policy, KSPPS BMT NU Sejahtera provides a solution through submitting a life insurance claim. After the claim process is approved, the obligations of the deceased member are declared paid off without burdening the heirs. This mechanism is in line with sharia principles that allow for special agreements as long as they do not conflict with the provisions of the murabahah agreement. Thus, this handling is considered effective and in accordance with the DSN-MUI fatwa, and provides legal and economic protection for related parties.
ANALISIS PEMBIAYAAN MUSYARAKAH DI KSPPS BMT HALAQOH PADA SEKTOR PERTANIAN DI DESA JOGOROGO Rinata, Selvia Luxi
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 2 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i2.2161

Abstract

This research, titled "Analysis of Musyarakah Financing at KSPPS BMT Halaqoh Jogorogo in the Agricultural Sector in Jogorogo Village," is a descriptive qualitative study that aims to explore how Musyarakah financing is applied to support agricultural costs. The research employs a qualitative approach using data collection techniques such as interviews and literature reviews, including documents, books, and brochures. Primary data serves as the main source, while secondary data supports the primary findings. The results indicate that the procedures, collateral requirements, and provisions for Musyarakah financing at KSPPS BMT Halaqoh comply with Islamic principles. All components of the Musyarakah contract, including the offer and acceptance (ijab qabul), capital contribution, involved parties, as well as profit-sharing and responsibilities, are properly implemented. In the event of crop failure, the institution does not demand a share of the profit but replaces it with infaq (voluntary charity), while loan installments remain due as per the agreement. The financing system is free from elements of riba (usury) as it aligns with the fatwas issued by Indonesia's National Sharia Council (DSN-MUI). Consequently, this financing model provides convenience and peace of mind to farmers, enabling them to cultivate their land productively and improve their welfare.
UPAYA MENINGKATKAN MINAT NASABAH PADA PRODUK IB HIJRAH WADIAH DI BANK MUAMALAT INDONESIA (BMI) KANTOR CABANG PEMBANTU (KCP) MADIUN Prastika, Rima
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.2309

Abstract

The development of banks today has undergone many changes, every bank is faced with problems regarding marketing, therefore the bank must be able to formulate the right marketing strategy, the bank needs to know its competitors. The Bank must continue to compare its products, prices, and promotions with those of its competitors, in this way the Bank will be able to find existing shortcomings or advantages. The purpose of this research is to find out to find out what strategies the bank has done to increase interest in becoming a customer of Hajj iB Savings Products at Bank Muamalat Indonesi KCP Madiun. And the second is to find out the implications of IB Hijrah Wadiah savings products at Bank Muamalat Indonesia (BMI) Madiun Sub-Branch Office (KCP) on customer interest. This research includes field research (Field research), while the nature of this research is descriptive qualitative This research uses interview data collection techniques and documentation Interviews were conducted with Bank Muamalat Indonesia KCP Madiun and Bank Muamlat Indonesia KCP Madiun customers. Then for the data source used by researchers is to check the data validity technique. The results showed that 1) The strategy to increase interest in becoming a customer of iB Hijrah Wadiah Savings Products is by socializing and making comparisons with other banks. That way the bank will know the advantages and disadvantages so that it can be input and improve what needs to be improved. 2) Factors that influence public interest in Hajj iB hijrah savings products at Bank Muamalat Indonesia KCP Madiun are internal factors and external factors. The factors that most influence customer interest are cultural factors in terms of religion, social factors in terms of reference groups, family, and social roles, personal factors in terms of age and economic conditions, psychological factors of motivation and services provided by Bank Muamalat KCP Madiun. The internal constraints found at BMI KCP Madiun are limited branch offices and lack of human
PENGEMBANGAN INDUSTRI HALAL TERHADAP PERTUMBUHAN EKONOMI LOKAL KABUPATEN NGAWI JAWA TIMUR Hamdani, Hamdani
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.2552

Abstract

The development of the halal industry in Indonesia has shown a significant increase, reaching a growth rate of 9.1% in recent years. This growth indicates a transformation toward sustainable economic development. The halal industry covers various sectors, including food and beverages, fashion, cosmetics, pharmaceuticals, and Islamic finance. With a Muslim population of more than 241 million people, Indonesia holds tremendous potential to become a global hub for the halal industry.This study aims to analyze the impact of halal industry development on local economic growth in Ngawi Regency, East Java, focusing on the contribution of micro, small, and medium enterprises (MSMEs) engaged in food, beverage, and fashion sectors. The research employs a qualitative descriptive approach, with data collected through interviews, observations, and documentation involving MSME actors and relevant government institutions.The findings indicate that the development of the halal industry in Ngawi Regency has a positive impact on local economic growth through job creation, enhanced product competitiveness, and expanded export opportunities. However, several challenges remain, including limited understanding of halal certification, insufficient supporting infrastructure, and restricted access to Islamic financial services for MSMEs. Therefore, stronger collaboration among the government, Islamic financial institutions, and educational sectors is required to build a sustainable halal industry ecosystem in Indonesia.
STRATEGI FUNDRISING, PENGELOLAAN DAN PENGEMBANGAN WAKAF UANG DI DOMPET DHUAFA JAWA TIMUR Anifah, Siti
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.2521

Abstract

Cash waqf holds significant potential in strengthening the national Islamic economic system. However, its realization has yet to reach an optimal level. One of the key strategic factors in the development of cash waqf lies in the performance of nazhir (waqf managers). This study aims to analyze the fundraising strategies, management, and development of cash waqf as implemented by Dompet Dhuafa East Java. A descriptive qualitative approach was employed, with data collected through interviews, observations, and documentation. The findings reveal that cash waqf fundraising activities at Dompet Dhuafa East Java largely depend on campaigns and programs initiated by the Dompet Dhuafa central office. This dependency also extends to the management and development of waqf programs. Several challenges were identified, including low public literacy on cash waqf, limited socialization efforts, and the lack of comprehensive information dissemination regarding waqf programs. These issues have led to a low level of public trust in cash waqf instruments, resulting in significantly lower fundraising outcomes compared to Zakat, Infaq, and Sadaqah (ZIS). To enhance the development of cash waqf, strategic efforts should involve collaboration with formal and non-formal educational institutions, religious leaders, influencers, and various societal elements, while optimizing the use of social media platforms. Furthermore, regular implementation of focus group discussions (FGDs) and seminars, both online and offline, is essential to increase public awareness. Additionally, capacity building for waqf management can be achieved through continuous guidance and supervision from regulatory bodies, aimed at fostering trustworthy, professional, and accountable nazhir. Through these efforts, public awareness and participation in cash waqf via Dompet Dhuafa East Java are expected to improve significantly.
EFEKTIVITAS TRANSAKSI DIGITAL: STUDI PENGGUNAAN APLIKASI PEGADAIAN DIGITAL SERVICE DI PT. PEGADAIAN (PERSERO) UPC KEDUNGGALAR KABUPATEN NGAWI rahayu, eka; Sari, Putri Herdiana
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 2 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i2.2484

Abstract

This research aims to analyze the effectiveness of the Digital Pawnshop Service (PDS) in providing ease and benefits of transactions for customers and employees of PT. Pegadaian (Persero) UPC Kedunggalar, as well as to review its compliance with the Civil Code Article 1150. The research method used is descriptive qualitative with primary and secondary data. Data collection techniques were carried out through interviews. Data were analyzed by processing and organizing them, then breaking them down into smaller units to identify patterns and themes. The results of the study indicate that the impact of using the PDS application on transaction effectiveness and services at UPC Kedunggalar has not yet been significant and efficient.
PERANAN PEMBIAYAAN BSI KUR MIKRO DALAM PENINGKATAN KESEJAHTERAAN UMKM (STUDI KASUS BSI KCP NGAWI SUDIRMAN 1) Prastika, Rima; Putri, Rizky Selvia
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 2 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i2.2607

Abstract

The Micro, Small, and Medium Enterprises (MSME) sector plays a vital role in Indonesia’s economy but often faces major challenges, particularly limited business capital and access to affordable financing. In this context, Bank Syariah Indonesia (BSI), through its Sharia People's Business Credit (KUR) product—specifically BSI KUR Mikro—serves as a financing solution for MSME actors. This study aims to determine the role of BSI KUR Mikro financing in improving the welfare of MSMEs (A Study at Bank Syariah Indonesia KCP Ngawi Sudirman 1).The subjects of this research are employees in the financing department and BSI KUR Mikro financing customers at Bank Syariah Indonesia KCP Ngawi Sudirman 1, while the object of the research is the role of BSI KUR Mikro financing in improving the welfare of MSMEs at the same branch. This research is a qualitative case study using data collection techniques such as observation, interviews, and documentation conducted at Bank Syariah Indonesia KCP Ngawi Sudirman 1 to obtain relevant information.The results show that Bank Syariah Indonesia KCP Ngawi Sudirman 1 plays an important role in improving MSME welfare by providing business capital assistance to its customers. In addition, the bank also provides advice and recommendations for customers’ businesses. Bank Syariah Indonesia also carries out supervision to ensure that the financing aligns with the customers’ objectives. This has contributed to BSI’s success in improving the welfare of MSMEs, as indicated by the increase in customers’ income after receiving BSI KUR Mikro financing.
TRANSFORMASI EKONOMI RUMAH TANGGA PEREMPUAN PEDESAAN MELALUI PEMANFAATAN FINTECH SYARIAH Kasmiati, Kasmiati
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 2 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i2.2629

Abstract

This study aims to analyze how the utilization of Islamic fintech contributes to the economic transformation of rural women’s households. The research is grounded in the reality that rural women often face limited access to formal financial services due to geographical barriers, low financial literacy, and minimal asset ownership, making Islamic fintech a potentially inclusive solution aligned with their religious values. This study employs a qualitative approach with a case study design, involving women who have used Islamic fintech for at least one year, supported by additional informants, and utilizing in-depth interviews, observations, and documentation techniques. The findings reveal that Islamic fintech provides easier and faster access to financing through digital processes without complex administrative requirements, enabling women to obtain capital for developing micro-enterprises. Furthermore, digital features such as transaction recording, payment reminders, and budgeting tools encourage positive changes in household financial management and enhance women's financial literacy. The study also identifies socio-economic impacts, including increased autonomy, roles, and contributions of women in household economic decision-making, despite existing challenges related to digital literacy and limited internet infrastructure. Overall, the results highlight that Islamic fintech serves as a strategic instrument capable of strengthening the economic capacity of rural women and supporting the sustainable transformation of household economies.

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