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Contact Name
Sutantri
Contact Email
tantri@uit-lirboyo.ac.id
Phone
+62857-8480-6694
Journal Mail Official
jurnal.attamwil@gmail.com
Editorial Address
Prodi Perbankan Syariah Universitas Islam Tribakti Lirboyo Kediri Jl. KH. Wahid Hasyim 62 Kediri Telp. (0354) 772879
Location
Kab. kediri,
Jawa timur
INDONESIA
Jurnal At-Tamwil: Kajian Ekonomi Syariah
ISSN : 26154293     EISSN : 27237567     DOI : https://doi.org/10.33367//at.v6i1.1488
Jurnal At-Tamwil is a journal published by the Faculty of Economics and Business, Sharia Banking study program, Tribakti Islamic University Lirboyo Kediri. The purpose of this journal is to communicate and as a medium for academic socialization by providing a platform to promote the publication of scientific research in the field: Sharia Banking Sharia Economics Sharia Financial Institutions Sharia Finance and Microfinance Islamic Business and Financial Management Islamic / Sharia Economic Law Fiqh Muamalah Economic Hadith Zakat, Infaq, Shadaqah and Waqaf Sharia Insurance Halal Industry Islamic Capital Market as well as issues in the field of Islamic Economics and other topics related to Islamic Banking.
Articles 112 Documents
Optimizing Pesantren-Owned Enterprises (BUMP) as Halal Business Incubators: Promoting Economic Independence for the Community Sutantri; Stevanus Gatot Supriyadi
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 1 (2026): Jurnal At-Tamwil Maret 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i1.9176

Abstract

Purpose – This study aims to formulate a framework for optimizing BUMP through structural transformation into a Halal Business Incubator (IBH). Design/Methods/Approach – The methodology employed is a conceptual, prescriptive, and descriptive qualitative approach, synthesizing governance, incubation models, and Sharia funding architecture. Findings – Pesantren-owned enterprises (BUMP) hold a strategic position as an anchor for the Muslim community's economy and a key instrument in realizing Indonesia's vision as a Global Halal Hub. However, there are significant challenges, particularly in terms of human resource capabilities, literacy in halal development instruments, and limited access to capital. Research Implications/Limitations – The analysis resulted in the Four Pillars Optimization Model: (1) Strengthening Centralized Relational Governance for accountable and digital supervision; (2) Five Pillars Integrated Halal Incubation Operational Model that places Halal Assurance at its core; (3) A Strategy for Strengthening Human Resource Capabilities through massive halal literacy training; and (4) A Sharia Blended Finance Funding Architecture that synergizes Productive Waqf for assets and Shariah Crowdfunding for working capital. Originality/Value – This research provides an optimization roadmap for BUMP to improve the competitiveness of MSMEs by accelerating halal certification and fundamentally promoting independence.
Islamic Banking Literacy in the Understanding of the Muslim Community of Kadujaya Village Toward Islamic Bank Products Didi Suardi; Topan; Ade Muslimat; Fatkhur Rohman; Oom Komariyah
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 1 (2026): Jurnal At-Tamwil Maret 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i1.9204

Abstract

Purpose – This study aims to analyze Islamic banking literacy among the Muslim community of Kadujaya Village in relation to their understanding of Islamic bank products. This issue is relevant because limited knowledge of Islamic banking principles, contracts, and products remains a major obstacle to strengthening Islamic financial inclusion, particularly in communities where conventional banking practices are still dominant. Design/Methods/Approach – This study employed a descriptive qualitative approach with a case study design. Data were collected through observation, interviews, and documentation involving ten community informants from Kadujaya Village, RT 002/RW 008, and one expert informant. The data were analyzed through data collection, data reduction, data display, and conclusion drawing. Findings – The findings show that the Muslim community’s understanding of Islamic banking remains limited. Informants generally understood Islamic banks as financial institutions that do not apply interest, but they did not yet have a comprehensive understanding of operational principles, contracts, profit-sharing mechanisms, or the variety of Islamic banking products. Research Implications/Limitations – This study implies the need for more contextual, sustainable, and community-based Islamic banking education. However, the study is limited to a small number of informants in one village community, so the findings cannot be generalized to all Muslim communities. Originality/Value – This study contributes to Islamic banking literacy research by focusing on the understanding of Islamic banking among village-level Muslim communities and identifying factors that influence Islamic financial literacy.

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