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Zainur Ridho
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izziekonomiislam@gmail.com
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Jl. IR. H. Juanda No.370, Kp. Arab, Patokan, Kec. Kraksaan, Kab. Probolinggo, Provinsi Jawa Timur, 67282
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INDONESIA
IZZI: Jurnal Ekonomi Islam
Published by Sekolah Tinggi Ekonomi dan Bisnis Islam Badri Mashduqi Kraksaan Probolinggo
ISSN : -     EISSN : 27766756     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
IZZI: Jurnal Ekonomi Islam: Merupakan jurnal ilmiah berkala yang diterbitkan tiga kali setahun oleh Program Studi Manajemen Bisnis Syariah, Sekolah Tinggi Ekonomi dan Bisnis Islam Badri Mashduqi, Kraksaan, Probolinggo. Jurnal ini menerbitkan artikel yang menarik bagi praktisi perjalanan haji dan umrah, praktisi bisnis, dosen, pembuat kebijakan, dan peneliti. Jurnal ini mencakup artikel penelitian, laporan penelitian asli, review dalam manajemen bisnis di berbagai bidang antara lain: 1) Bisnis syariah 2) ekonomi syariah, 3) perbankan 4) keuangan syariah, 4) manajemen infaq sodakoh wakaf dan zakat 5) hukum ekonomi syariah 6) asuransi syariah dll. Mulai bulan Januari 2021, Jurnal IZZI difokuskan pada artikel-artikel bidang Ekonomi dan Bisnis yang berasal dari hasil-hasil penelitian, telaah ilmiah, dan kajian pustaka yang ditambah dengan pemikiran penerapan pada kasus-kasus tertentu.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 83 Documents
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INOVASI KEMANDIRIAN EKONOMI MELALUI KOPONTREN DI PONDOK PESANTREN AL-MASHDUQIAH Zainur Ridho; Firda Amelia Putri; Nur Iftah Maufida; Nurin Sakinati Baroroh
IZZI: Jurnal Ekonomi Islam Vol. 4 No. 3 (2024): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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Abstract

Penelitian ini mengkaji  manajemen inovasi melalui Koperasi Pondok Pesantren (Kopontren) di Pondok Pesantren Al-Mashduqiah, Kraksaan, Probolinggo, sebagai upaya mewujudkan kemandirian ekonomi pesantren dan pemberdayaan masyarakat sekitar. Menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data berupa wawancara, observasi, dan dokumentasi, hasil penelitian menunjukkan bahwa inovasi Kopontren meliputi pembentukan unit usaha diversifikasi (seperti produksi tahu, roti, simpan pinjam, grosir, toko, barber shop, dan wartel), pelatihan keterampilan kewirausahaan, penerapan prinsip ekonomi syariah, kemitraan strategis, pengalokasian keuntungan untuk pendidikan dan sosial, serta peningkatan manajemen profesional dengan melibatkan alumni. Inovasi ini berhasil meningkatkan pendapatan santri dan alumni hingga 30%, partisipasi masyarakat 40%, serta menciptakan multiplier effect melalui usaha mikro. Keberhasilan didukung oleh kepemimpinan visioner dan sinergi komunitas, meskipun menghadapi tantangan keterbatasan modal dan kapasitas manajerial. Model Kopontren Al-Mashduqiah direkomendasikan sebagai inspirasi bagi pesantren lain untuk membangun ekonomi syariah yang inklusif dan berkelanjutan
THE KEY TO COMPETITIVE ADVANTAGE IN CREATIVITY AND INNOVATION MANAGEMENT IN THE DIGITAL AGE Naylal Fithri; Moh febri; Miftahul Arifin; Ilham Jaya Kusuma; A.Rosikhon Fahmi
IZZI: Jurnal Ekonomi Islam Vol. 6 No. 1 (2026): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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Abstract

This study examines the role of creativity and innovation management in strengthening organizational competitive advantage in the digital era, using a literature review method that draws upon more than twenty scholarly sources published between 2019 and 2025. The findings reveal that creativity is a unique and inimitable strategic resource, serving as the primary foundation for achieving sustainable competitive advantage. Innovation, which emerges from effective creativity management, encompasses the development of new products, processes, services, and business models that enhance organizational value and competitiveness. The implementation of digital technologies such as Artificial Intelligence (AI), the Internet of Things (IoT), and Big Data has been proven to accelerate innovation and improve operational efficiency.Furthermore, an open organizational culture and innovative leadership play a crucial role in fostering a collaborative environment that encourages creativity and continuous learning. The synergy between human creativity, structured innovation, and the use of digital technology is identified as a key element in maintaining organizational competitiveness. Theoretically, the study reinforces the concepts of the Resource-Based View, Dynamic Capabilities, and Open Innovation, while practically emphasizing the importance of technology-driven creativity and innovation management supported by an adaptive and progressive organizational culture.
SHEIKH YUSUF AL-QARADAWI AND ABDULLAH AN -NA'IM'S PERCEPTION OF ONLINE SALES AGREEMENTS FROM A SHARIA ECONOMIC PERSPECTIVE Lutfiatun Hasanah; Haqiqotus Sa’adah
IZZI: Jurnal Ekonomi Islam Vol. 6 No. 1 (2026): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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Abstract

The development of digital technology has given rise to new forms of economic transactions in the form of online buying and selling (e-commerce) , which require examination from the perspective of Islamic law to ensure their continued relevance to sharia principles. This study aims to analyze the perspectives of Shaykh Yusuf al-Qaradawi and Abdullah An-Na‘im regarding online sale and purchase contracts from the viewpoint of sharia economics. The research employs a qualitative method with a literature study (library research) approach, conducted through a critical review of the works of both figures as well as relevant classical and contemporary fiqh literature.The results show that Shaykh Yusuf al-Qaradawi views online buying and selling as a valid form of muamalah as long as it fulfills the pillars and conditions of a contract and is free from elements of riba, gharar, and maysir, while emphasizing the principles of honesty, transparency, and mutual consent between the parties. Meanwhile, Abdullah An-Na‘im stresses the importance of contextualizing and reconstructing Islamic law so that it can respond to contemporary challenges, by making justice and public welfare (maslahah) the primary benchmarks for the validity of transactions. This study finds that although the two scholars employ different methodological approaches, both agree that Islamic legal principles are dynamic and adaptive to the development of digital transactions. These findings are expected to enrich the discourse in sharia economic studies and provide a conceptual foundation for understanding online buying and selling practices that are in line with the maqasid al-shariah in the digital era
ANALYSIS OF THE USE OF QRIS ON CONSUMER BEHAVIOR AT CAFÉ LATHOMAN Himami Firdausi; Miftahul Arifin
IZZI: Jurnal Ekonomi Islam Vol. 6 No. 1 (2026): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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Abstract

This study aims to analyze the effect of the use of the Indonesian Standard Quick Response Code (QRIS) on consumer behavior at Café Lathoman. The research method used was descriptive qualitative, with data collection techniques through in-depth interviews and observations of ten STEBI BAMA students who were customers of Café Lathoman on September 25, 2025. The results show that the use of QRIS provides convenience and efficiency in financial transactions, as well as increasing consumer convenience. However, this convenience also encourages consumptive behavior due to a decreased perception of the value of money. Thus, the use of QRIS has a dual impact: on the one hand, it increases transaction effectiveness, and on the other hand, it creates psychological challenges in the form of a tendency to overconsume among students.
MAQASHID SHARIA AS A FRAMEWORK OF ETHICS FOR ECONOMIC DOWNSTREAMING POLICY TOWARD INDONESIA GOLD 2045 M. Zikwan
IZZI: Jurnal Ekonomi Islam Vol. 6 No. 1 (2026): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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Abstract

Indonesia Emas 2045 is an ambitious vision that aims to make Indonesia a developed country with a strong, inclusive, and sustainable economy. To achieve this vision, the country needs economic transformation based on the principles of justice and sustainability. However, the implementation of downstreaming still faces structural dilemmas in the form of unequal distribution of benefits, dependence on foreign investment, and ecological pressures caused by resource exploitation. Through a qualitative-descriptive approach, this study explores the correlation between the principles of maqashid sharia and economic downstreaming policies, and provides strategic recommendations for policymakers to ensure an inclusive direction for economic development. This study argues that the application of maqashid sharia principles in economic downstreaming policies can support the Indonesia Emas 2045 vision by creating a fair, inclusive, and sustainable economy. Hifz al-Maal emphasizes the optimization of natural resource added value with fair distribution of benefits, reducing dependence on foreign investment. Hifz an-Nafs focuses on creating decent jobs and protecting workers. Hifz al-Aql encourages technology transfer and human capacity development, strengthening global competitiveness. Hifz an-Nasl ensures environmental sustainability through responsible resource exploitation. Hifz ad-Din guarantees ethical principles in economic development, avoiding exploitative practices. This study confirms that the implementation of maqashid syariah can overcome the dilemma between short-term economic interests and long-term sustainability, ensuring social justice, environmental sustainability, and community welfare. In conclusion, maqashid syariah is a relevant ethical framework for directing Indonesia's economic downstreaming towards an inclusive and sustainable economy.
THE EFFECT OF PRODUCT QUALITY AND PRICE ON PURCHASE DECISIONS Himami Firdausi; Nur Iftah Maufida
IZZI: Jurnal Ekonomi Islam Vol. 5 No. 1 (2025): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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Abstract

The aim of this research is to evaluate how product quality and price influence the purchasing decisions made by female students at the Pesantren Al‑Mashduqiah Girls’ Store when choosing to buy the product. This study was conducted using a quantitative approach by distributing questionnaires to 38 participants. The results show that product quality and price have a positive and significant impact on purchasing decisions. High-quality products increase customer trust, while stable and affordable prices reduce perceived risk and encourage customer loyalty. Both factors jointly influence purchasing decisions in the boarding-school environment.
MODAL KEWIRAUSAHAAN PESANTREN UNTUK MENINGKATKAN KEMANDIRIAN SANTRI Indah Maslaha; Safa Salsabila
IZZI: Jurnal Ekonomi Islam Vol. 4 No. 3 (2024): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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Penelitian ini bertujuan untuk mengetahui bagaimana modal kewirausahaan di pesantren dapat meningkatkan kemandirian santri melalui pendidikan dan kegiatan ekonomi yang dikelola pesantren. Pesantren memiliki potensi tidak hanya sebagai tempat belajar agama, tetapi juga sebagai lembaga pemberdayaan ekonomi yang menumbuhkan jiwa wirausaha santri. Modal kewirausahaan yang dimaksud tidak hanya berupa dana, tetapi juga mencakup kemampuan intelektual, moral, spiritual, serta keterampilan praktis yang diperoleh dari proses pendidikan pesantren. Penelitian menggunakan pendekatan kuantitatif dengan wawancara terstruktur kepada para pelaku usaha di lingkungan pesantren untuk mendapatkan informasi tentang strategi usaha, pelatihan, dan pengaruhnya terhadap kemandirian santri. Hasil penelitian menunjukkan bahwa program kewirausahaan di pesantren berperan penting dalam membentuk kemandirian ekonomi dan mental santri. Santri dilatih untuk disiplin, bertanggung jawab, hidup sederhana, dan mampu mengelola sumber daya secara produktif. Secara keseluruhan, penelitian ini menegaskan bahwa modal kewirausahaan dan kemandirian santri saling berkaitan dan menjadi dasar penting dalam menjadikan pesantren sebagai pusat pembentukan generasi muslim yang mandiri, kreatif, berdaya saing, dan berkontribusi pada pembangunan ekonomi umat sesuai nilai-nilai Islam.
PENERAPAN STRATEGI MARKETING UNTUK MENINGKATKAN MINAT BELI KONSUMEN DI AN-NAJAH Ulfi Mufridatun Hasanah
IZZI: Jurnal Ekonomi Islam Vol. 4 No. 3 (2024): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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Penelitian ini bertujuan untuk menganalisis penerapan strategi marketing dalam meningkatkan minat beli konsumen di An-Najah Store Triwungan Paiton Probolinggo. Menggunakan metode kualitatif dengan pendekatan fenomenologi, penelitian ini menggali pengalaman dan penerapan strategi pemasaran melalui wawancara mendalam dengan pemilik usaha sebagai informan utama. Hasil penelitian menunjukkan bahwa An-Najah Store menerapkan berbagai strategi pemasaran, seperti penambahan variasi produk, strategi harga, pelayanan prima melalui prinsip Senyum, Salam, Sapa, serta promosi digital melalui WhatsApp dan Telegram. Strategi-strategi tersebut terbukti meningkatkan minat beli konsumen dan memperkuat posisi usaha di tengah persaingan yang ketat. Kesimpulan penelitian menunjukkan bahwa kombinasi strategi pelayanan, promosi digital, dan kualitas produk berkontribusi signifikan terhadap peningkatan jumlah transaksi serta pertumbuhan usaha secara berkelanjutan
EMPLOYEE PERFORMANCE IN SERVICE UNDER LIMITED HUMAN RESOURCES Erin Nur Putriani; Jenatul Firdausi; Riska Handayani
IZZI: Jurnal Ekonomi Islam Vol. 5 No. 1 (2025): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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This study examines employee performance analysis in providing services to prospective Umrah pilgrims at PT. Qiblatain Safarina Bakti under conditions of limited human resources. The background of the study is based on the significant increase in demand for Umrah services that requires travel agencies to continue to provide quality services, despite facing limitations in the number of available workers and competencies. This study uses a qualitative approach with data collection methods through interviews, observations, and literature studies from relevant references. The results show that limited human resources have an impact on workload imbalances and dual task practices that often cause stress for employees. Nevertheless, the company strives to maintain service quality through collaboration strategies, regular evaluations, competency improvement, and intensive communication with pilgrims. Further analysis reveals that motivation, skills, and the work environment are the main factors determining service quality. This study confirms that the constraint of limited human resources is not always an absolute obstacle. With adaptive management, these challenges can be minimized so that services remain consistent and professional. The implication of this research is the need for a strategy to strengthen human resource capacity, both through increasing the number of workers and improving skills, so that Umrah travel agencies are able to respond to the ever-growing demands of society.
WHOLESALE STORE MANAGEMENT STRATEGIES TO SUPPORT THE ECONOMY OF ISLAMIC BOARDING SCHOOLS AND THE SURROUNDING COMMUNITY Nuriawati; Mita Ayu Prafita; Uswatun Hasanah
IZZI: Jurnal Ekonomi Islam Vol. 5 No. 1 (2025): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

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This study examines the strategic role of the Al-Mashduqiah Wholesale Store in supporting the economic independence of Islamic boarding schools while contributing to the surrounding community. Islamic boarding schools not only function as religious educational institutions, but also as drivers of the local economy that can empower the community and encourage the development of MSMEs. The research method used is qualitative with a descriptive approach, data obtained through interviews with shop managers, students, the community, and MSME actors. The results show that the Al-Mashduqiah Wholesale Store is able to support the needs of Islamic boarding schools, create jobs, provide basic necessities at affordable prices, and assist in the marketing of local products. These findings prove that Islamic boarding schools can play a role as a driving force for community-based economies, where aspects of education and economic empowerment go hand in hand

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