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Miftah
Published by Yayasan Pondok Pesantren Sunan Bonang Tuban
ISSN : -     EISSN : 2986982X     DOI : https://doi.org/10.61231/miftah.v1i2.162
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Miftah : Jurnal Ekonomi dan Bisnis Islam adalah jurnal penelitian peer-review yang menerima manuskrip dalam bidang : 1. Ilmu Manajemen 2. Ilmu Ekonomi 3. Ilmu Makro Ekonomi Islam 4. Ilmu Makro Ekonomi 4. Ekonomi Syariah 5. Keuangan Syariah 6. Manajemen Operasional dan Produksi
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 49 Documents
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Pengaruh Kualitas Pelayanan dan Promosi Terhadap Kepuasan Pelanggan Pada Jasa Laundry KW Ciputatiputat Masroni , Masroni
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 2 (2025): October 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/miftah.v3i2.387

Abstract

This study aims to analyze the effect of service quality and promotion on customer satisfaction at Laundry KW Ciputat. This type of research is quantitative with an explanatory approach. The population in this study were 1,877 Laundry KW Ciputat customers in 2023, with a sample size of 95 respondents determined using the Slovin formula. Data analysis used was simple linear regression analysis and multiple regression analysis using SPSS version 27. The results of this study indicate that, based on the results of the simple linear regression test, service quality has a positive and significant effect on strong customer satisfaction. 
Pengaruh Literasi Keuangan, Perilaku Keuangan dan Toleransi Risiko Terhadap Keputusan Berinvestasi Mahasiswa Melalui Aplikasi Ajaib Sulasih, Sulasih; Anjani, Wiwin
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 2 (2025): October 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/miftah.v3i2.399

Abstract

This study examines the influence of financial literacy, financial behavior, and risk tolerance on students’ investment decisions when using the Ajaib application. A quantitative research design was employed with a sample of 343 students who actively invest through the platform. Data were collected using a structured questionnaire and analyzed using Multiple Regression Analysis with IBM SPSS. The empirical results indicate that financial literacy and financial behavior both have a positive and significant influence on investment decisions. In contrast, risk tolerance shows a negative and significant effect, suggesting that students with lower tolerance for risk tend to adopt more cautious investment strategies. Furthermore, the three variables collectively demonstrate a significant simultaneous effect on investment decision-making. These findings highlight the importance of strengthening financial knowledge and responsible financial practices to enhance rational investment behavior, particularly among novice student investors using digital investment platforms
Akad Bisnis dalam Platform Digital E-Commerce : Perspektif Kitab Fathul Qorib Ulum, Miftachul; Mun'im, Abdul
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 2 (2025): October 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/ehcd2845

Abstract

This study aims to analyze the suitability of e-commerce contract practices with the principles of classical Islamic jurisprudence as explained in the Fathul Qorib book. This study uses a qualitative-descriptive approach with a literature analysis method of classical Islamic jurisprudence sources and modern digital business practices. The results of the study indicate that conceptually, e-commerce contracts fulfill the main elements of Islamic contracts such as ijab and qabul, clarity of the transaction object (ma'qud 'alaih), and the element of willingness (taradhi) between the two parties. The Fathul Qorib book emphasizes that the validity of a contract does not depend on the form of the medium, but rather on the fulfillment of its conditions and pillars. Thus, contracts through digital media can be considered valid if these elements are met.
Consumer Behavior in Islamic Perspectives: A Theoretical Review Sari, Niken Permata; Artha, Bhenu; Bahri, Bahri; Sari, Utami Tunjung; Hadi, Antonius Satria; Aditya, Ascasaputra; Asri, Cahya Purnama; Dinka, Cynta Alya
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 2 (2025): October 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/4r2v5a55

Abstract

Islamic consumer behavior is guided by Islamic values and principles, which emphasize meaningful consumption connected to well-being, responsibility, moderation, and resource conservation. This study aims to produce a theoretical synthesis of consumer behavior from an Islamic perspective. In order to accomplish the goals and objectives of the research, a theoretical literature survey is carried out, and a conceptual framework for further investigation is provided. The normative framework of Islamic consumer behavior is explicitly determined by Maqasid al-Shari'ah, which provides a clear hierarchy of needs (Dharuriyyat, Hajiyyat, Tahsiniyyat) to guide ethical income allocation, avoiding israf and tabzir.
The Effect of Foreign Direct Investment (FDI), Zakat Distribution and Government Spending on Economic Growth with Human Development Index as Moderating Variable Itsnaini, Nurul Kholifah Aminatul; Bawono, Anton
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 2 (2025): October 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/z00q4v70

Abstract

This study aims to determine the effect of foreign direct investment, zakat distribution and government spending on economic growth in Indonesia in 2019-2024 with the Human Development Index as a moderating variable. This type of research is quantitative with a population of all provinces in Indonesia. Determination of the Saturated Sampling sample with criteria determined by the researcher so that a sample of 33 provinces was obtained during the observation period (2019-2024). The type of data used is panel data. Using the analysis method used includes descriptive test, stationary test, multiple liner regression test, T test, F test, R2 test, classical assumption test and MRA test. In the Moderated Regression Analysis (MRA) test using Eviews 13 data processing software, the results showed that the government expenditure variable had no effect on economic growth. Based on the MRA test, HDI is able to moderate government spending on economic growth and HDI is not able to moderate the distribution of Zakat on economic growth.
Pengaruh Kualitas Pelayanan dan Promosi Terhadap Kepuasan Pelanggan Pada Jasa Laundry KW Ciputat Masroni, Masroni
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 2 (2025): October 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/a9rkth32

Abstract

This study aims to analyze the effect of service quality and promotion on customer satisfaction at Laundry KW Ciputat. This type of research is quantitative with an explanatory approach. The population in this study were 1,877 Laundry KW Ciputat customers in 2023, with a sample size of 95 respondents determined using the Slovin formula. Data analysis used was simple linear regression analysis and multiple regression analysis using SPSS version 27. The results of this study indicate that, based on the results of the simple linear regression test, service quality has a positive and significant effect on strong customer satisfaction
Pengaruh Literasi Keuangan, Perilaku Keuangan  dan Toleransi Risiko Terhadap Keputusan Berinvestasi Mahasiswa Melalui Aplikasi Ajaib Sulasih, Sulasih; Anjani, Wiwin
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 2 (2025): October 2025
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/a0h7p643

Abstract

This study examines the influence of financial literacy, financial behavior, and risk tolerance on students’ investment decisions when using the Ajaib application. A quantitative research design was employed with a sample of 343 students who actively invest through the platform. Data were collected using a structured questionnaire and analyzed using Multiple Regression Analysis with IBM SPSS. The empirical results indicate that financial literacy and financial behavior both have a positive and significant influence on investment decisions. In contrast, risk tolerance shows a negative and significant effect, suggesting that students with lower tolerance for risk tend to adopt more cautious investment strategies. Furthermore, the three variables collectively demonstrate a significant simultaneous effect on investment decision-making. These findings highlight the importance of strengthening financial knowledge and responsible financial practices to enhance rational investment behavior, particularly among novice student investors using digital investment platforms.
Analisis Akad Murabahah Dalam Platform Digital E-Commerce Ulum, Miftachul; Mun'im, Abdul
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/my4z5t37

Abstract

This study aims to analyze the application of murabahah contracts in e-commerce digital platforms by reviewing their compliance with the principles of fiqh muamalah. The method used is descriptive qualitative with a normative approach, supported by literature studies and content analysis of digital transaction mechanisms applied in Islamic financial systems. The focus of this study is on how digitization affects the validity, procedures, and ethics of implementing murabahah contracts in online transactions. The results show that the implementation of digital murabahah contracts remains valid as long as it fulfills the pillars and conditions of the contract, namely the existence of the parties ('aqidain), the object of sale and purchase (ma'qud 'alayh), and the sighat or statement of ijab-qabul. The digital system allows these elements to be carried out electronically with clear ownership of goods, transparent prices, and agreed profit margins. Digitalization also increases efficiency and accountability, as well as reducing the potential for gharar (uncertainty) and tadlis (fraud
Faktor-faktor yang Mempengaruhi Keputusan Muzakki Membayar Zakat dengan Kepercayaan sebagai Variabel Intervening di Lazismu Kota Palembang Carolina, Angle Dwi; Azwari, ⁠Peny Cahaya; Mardiah, ⁠Siti
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/8kr50x09

Abstract

This study aims to examine the effect of institutional image and digital payment on zakat payers’ decisions to pay zakat, with trust as an intervening variable at LAZISMU Palembang City. This study employs a quantitative research design using primary data collected through questionnaires distributed to zakat payers in Palembang City. Data were analyzed using the Theory of Planned Behavior (TPB), where institutional image represents attitude toward behavior, digital payment reflects perceived behavioral control, and trust functions as an intervening variable influencing zakat payment decisions. The results show that a positive institutional image characterized by professionalism, transparency, and integrity significantly enhances zakat payers’ trust, which in turn strengthens their decision to pay zakat through LAZISMU. Furthermore, digital payment systems that are perceived as easy, secure, and beneficial positively influence zakat payment decisions, particularly when supported by a high level of trust. This study contributes theoretically to the development of zakat management literature and provides empirical insights for strengthening institutional credibility and digital-based zakat services.
The Unemployment-Inflation Puzzle: A Re-evaluation of the Phillips Curve and NAIRU Dynamics Habibi, Sayed Masood; Adeli, Abdul Rahman
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/182fna54

Abstract

The relationship between inflation and unemployment remains one of the most contentious issues in macroeconomics, influencing the efficacy of monetary and fiscal policies. This research aims to re-evaluate the traditional Phillips Curve trade-off and the concept of the Non-Accelerating Inflation Rate of Unemployment (NAIRU) within the context of a developing economy, specifically focusing on Afghanistan. The study critically analyzes whether the traditional inverse relationship holds in environments characterized by structural rigidities and supply-side shocks. Employing the Autoregressive Distributed Lag (ARDL) model to examine time-series data spanning from 2001 to 2020, the study investigates the dynamic short-run and long-run interactions between these variables. The findings challenge the conventional wisdom: while a short-run analysis reveals a positive and statistically significant correlation between inflation and unemployment—contrary to the standard Phillips Curve—the long-run relationship, though negative, is statistically insignificant. This anomaly suggests that in conflict-affected, developing economies, supply-side constraints and structural impediments may dominate the labor market dynamics, rendering traditional demand-management policies less effective in sustaining employment without exacerbating inflation. The novelty of this study lies in highlighting the breakdown of the Phillips Curve mechanism in fragile states and questioning the applicability of NAIRU in such contexts.

Page 4 of 5 | Total Record : 49

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