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Ita Marianingsih
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I'thisom: Jurnal Ekonomi Syariah
Published by Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso
ISSN : 29631653     EISSN : 28294084     DOI : 10.70412
Core Subject : Economy,
Economics, Econometrics & Finance
ITHISOM merupakan Jurnal Ekonomi Syariah lyang diterbitkan oleh Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) STAI AL-UTSMANI Bondowoso, Ithisom diterbitkan dua kali setahun yaitu pada bulan april dan oktober. Tujuan dari Jurnal ITHISOM adalah untuk publikasi artikel ilmiah meliputi kajian dalam lingkup Ekonomi Syariah, seperti: Pemikiran Ekonomi Islam Filsafat Ekonomi Islam Pemikiran Ekonomi Islam Ekonomi Islam dan Isu-isu Kontemporer Aspek Hukum dalam Ekonomi Syariah Industry Halal.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 48 Documents
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ANALISIS STRATEGI MARKETING MIX UNTUK MENARIK MINAT JEMAAH UMRAH DI PT. QIBLATAIN SAFARINA BAKTI GENDING Nur Syamsiyah; Fitri Fahilatul Umroh
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2025): I`thisom Edisi April
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i1.176

Abstract

This study aims to analyze the application of marketing mix strategies in attracting Umrah pilgrims at PT Qiblatain Safarina Bakti. This research uses descriptive qualitative methods with data collection techniques through interviews, observation, and documentation. The results showed that the marketing mix strategy which includes product, price, place, and promotion has a significant influence in increasing the number of pilgrims. Variety and quality products, competitive prices, strategic location, and effective promotion through digital media and direct interaction with the community are the main factors in the success of the company's marketing strategy. Nevertheless, price competition with other travel agencies is the main challenge that PT Qiblatain Safarina Bakti must face. Therefore, the company needs to continue to innovate in services, strengthen promotional strategies, and maintain service quality to remain competitive in this field.
STUDI KOMPREHENSIF TERHADAP RISIKO PEMBIAYAAN PADA BANK DIGITAL SYARIAH Muhammad Bahanan; Hardian Dwi Utomo
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2025): I`thisom Edisi April
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i1.177

Abstract

This study provides a comprehensive analysis of the various financing risks faced by Islamic digital banks in Indonesia as a consequence of the rapid development of digital technology in the Islamic financial system. Using a qualitative approach based on literature review, the research explores several types of risks including credit risk, sharia compliance risk, operational risk, liquidity risk, reputational risk, and information technology risk in the operational activities of Islamic digital banking. The findings reveal that although digitalization enhances efficiency and financial inclusion, it also introduces new challenges in risk management that must comply with Islamic principles. The underlying factors contributing to these risks include the uncertainty of Islamic contracts, the quality of customer profiles, technological vulnerabilities, regulatory compliance with sharia law, and low levels of financial and digital literacy. This study also proposes relevant mitigation strategies such as the application of AI and big data in credit scoring, strengthening IT security infrastructure, and optimizing the role of the Sharia Supervisory Board. The results of this study are expected to serve as a reference for the development of adaptive and sharia-compliant risk management systems for Islamic digital banks in the modern era.
PERAN STRATEGIS ZAKAT DALAM MENGURANGI KETIMPANGAN EKONOMI DAN KEMISKINAN Ainun Defrilia; Lifia Revanata; Adinda Thalia Salsa Bela; Muhammad Rifqi Firdaus; Amalia Nuril Hidayati
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): I`thisom Edisi Oktober
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i2.200

Abstract

This study aims to explore the significance of zakat in reducing poverty and economic inequality in Indonesia. As one of the key instruments in the Islamic economic system, zakat holds great potential to foster social justice through the redistribution of wealth from the affluent to those in need. In a country like Indonesia, where the majority of the population is Muslim, optimizing zakat plays a crucial role in supporting inclusive economic development. This research employs a literature review method by analyzing various academic sources and secondary data related to zakat management, implementation challenges, and optimization strategies. The findings indicate that zakat serves not only as consumptive aid to fulfill basic needs but can also be directed toward productive uses to empower the economy of the mustahik through training programs, business capital, and sustainable support. However, to maximize its effectiveness, zakat requires professional, transparent, and accountable management, along with strong collaboration between zakat institutions, the government, and society. In the long term, zakat can be a strategic and sustainable solution to address social inequality and significantly reduce poverty levels in Indonesia.
IMPLEMENTASI AKAD IJARAH DALAM PRAKTIK SEWA MENYEWA TANAH PERTANIAN: ANALISIS PERSPEKTIF EKONOMI SYARIAH DI DESA MUNDUREJO, KABUPATEN JEMBER Muftil Umam Ilham Zamzami; Syafi'i, Muhammad; Istikomah
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): I`thisom Edisi Oktober
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i2.204

Abstract

This study discusses the practice of land leasing using the ijarah contract implemented by farmers in Mundurejo Village, Umbulsari District, Jember Regency. An interesting phenomenon in this research is that farmers lease vacant land to plant orange trees, which requires a relatively long period since orange trees take 2 to 3 years to begin producing fruit. The purpose of this study is to understand how the land leasing system is applied in Mundurejo Village and to examine its compliance with Islamic legal perspectives. This research uses a qualitative approach with a descriptive method. Data were collected through direct observation, interviews with parties involved in the leasing activities, and documentation of the leasing agreements used. The results show that the practice of land leasing in Mundurejo Village aligns with the principles of the ijarah contract in Islam. Farmers and landowners carry out written agreements that clearly state the object of the lease, the duration, the amount of ujrah (rental price), and terms related to land management. From the perspective of Islamic law, this practice is considered valid as it fulfills the pillars and conditions of ijarah and is based on fairness and mutual consent between the parties.
STRATEGI PROGRAM PEMBERDAYAAN EKONOMI MUSTAHIK DI BAZNAS DALAM MENDUKUNG PERTUMBUHAN EKONOMI UMAT Ibnu Apriani; Muhamad Zen; Fatmawati
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): I`thisom Edisi Oktober
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i2.211

Abstract

This study aims to analyze the strategic programs for empowering mustahik (zakat recipients) implemented by the National Zakat Board (BAZNAS) in supporting the economic growth of the Muslim community. Economic empowerment through productive zakat is considered one of the alternative solutions in efforts to alleviate poverty and enhance the economic independence of mustahik. This research adopts a descriptive qualitative approach using the library research method, which involves collecting data from various sources such as books, scientific journals, and relevant documents. The findings indicate that the strategies implemented by BAZNAS include problem identification and mapping of mustahik, the creation of business opportunities through capital assistance to Micro, Small, and Medium Enterprises (MSMEs), the development of productive enterprises, and the establishment of networks among small entrepreneurs. These strategies have proven effective in gradually improving the standard of living of mustahik, enabling them to achieve economic self-sufficiency. With a structured and sustainable implementation, the program significantly contributes to the economic growth of the Muslim community and facilitates the transformation of mustahik into muzakki (zakat givers).
OPTIMALISASI PENGELOLAAN DANA ZAKAT DALAM PENGENTASAN KEMISKINAN PADA KAMPUNG ZAKAT TERPADU DI DESA SUMBERSALAK, LEDOKOMBO, JEMBER Indahwati, Diana Putri; Dhofir Catur Bashori; Miftahul Hasanah
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): I`thisom Edisi Oktober
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i2.217

Abstract

This study aims to analyze the optimization of the management of zakat funds in poverty alleviation in the integrated zakat village in Sumbersalak Village, Ledokombo District, Jember Regency. Effective management of zakat funds and in accordance with sharia principles is expected to be a strategic solution in reducing poverty rates through a community empowerment approach. The method used in this study is descriptive qualitative with data collection techniques through observation, interviews, and documentation. The results showed that the management of zakat in integrated zakat villages included aspects of planning, distributing and empowering mustahik productively. Programs such as skills training, business capital assistance, and economic assistance have a positive impact on improving the welfare of the community. Nevertheless, there are still obstacles such as limited funds, human resources, and program evaluations that have not been optimal. By strengthening institutions, synergy between parties, and sustainable supervision, zakat management can be more optimal and contribute significantly in poverty alleviation.
PENGARUH AKSES MODAL, HARGA JUAL DAN ETOS KERJA ISLAMI TERHADAP PENDAPATAN PENGUSAHA MANGGA DI DESA GEDANGAN KECAMATAN SIDAYU KABUPATEN GRESIK Nidhomudin Al Faruq; Syamsir Alamsyah Harahap
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): I`thisom Edisi Oktober
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i2.222

Abstract

Penelitian ini bertujuan untuk mengetahui apakah akses modal, harga jual, dan etos kerja berpengaruh terhadap pendapatan pengusaha mangga di Desa Gedangan Kecamatan Sidayu Kabupaten Gresik, baik secara parsial maupun simultan dan seberapa besar pengaruhnya. Penelitian ini adalah penelitian deskriptif kuantitatif dengan menggunakan teknik non-probability sampling sebagai teknik penarikan sampelnya. Adapun jumlah populasi pada penelitian ini adalah sebanyak 30 pengusaha, dengan jumlah 30 responden. Teknik pengumpulan data menggunakan observasi, kuesioner, dan dokumentasi. Metode analisis yang digunakan dalam penelitian ini adalah analisis regresi linear berganda dan analisis berupa program SPSS 16 for windows. Hasil menunjukkan bahwa pengaruh akses modal, harga jual, dan etos kerja terbukti mempunyai pengaruh yang signifikan baik secara parsial maupun secara simultan terhadap pendapatan pengusaha mangga di desa Gedangan kecamatan Sidayu kabupaten Gresik.
IMPLEMENTASI ZAKAT PRODUKTIF TERHADAP PENGENTASAN KEMISKINAN DI BAZNAS KABUPATEN SITUBONDO Fitria Desi Nuri Cahyani; Muhammad Dhofir Catur Bashori; Istikomah
I'THISOM : Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): I`thisom Edisi Oktober
Publisher : LPPM Sekolah Tinggi Agama Islam Al-Utsmani Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70412/its.v4i2.224

Abstract

Zakat is a vital instrument in the Islamic economic system, aimed at promoting social justice and reducing economic inequality. In regions with high poverty rates, productive zakat serves as an alternative strategy to help mustahik (zakat recipients) achieve sustainable economic improvement. The National Amil Zakat Agency (BAZNAS) of Situbondo Regency actively implements productive zakat through various community economic empowerment programs. This study aims to examine (1) how productive zakat is implemented by BAZNAS Situbondo to improve the economic conditions of mustahik and (2) the supporting and inhibiting factors affecting its effectiveness as a poverty alleviation instrument. A qualitative descriptive approach was employed, with data collected through observation, in-depth interviews, and documentation. Informants included BAZNAS managers and mustahik who received productive zakat. Data analysis involved data reduction, presentation, and conclusion drawing. The findings indicate that productive zakat positively impacts mustahik’s economic conditions, including increased income, improved business independence, and reduced reliance on social assistance. Programs such as small business capital assistance and skills training are essential components of the economic empowerment strategy. Supporting factors include the commitment of BAZNAS managers, active community participation, and collaboration with other institutions. Inhibiting factors comprise limited zakat funds, insufficient continuous assistance, and low financial literacy among mustahik. In conclusion, productive zakat is an effective instrument for poverty alleviation when managed in a targeted and sustainable manner, with active involvement from all relevant stakeholders. The program demonstrates that zakat, when combined with guidance and empowerment strategies, can foster long-term economic resilience among recipients.

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