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Zainur Ridho
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INDONESIA
IZZI: Jurnal Ekonomi Islam
Published by Institut Badri Mashduqi
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 91 Documents
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STRATEGY TO INCREASE PUBLIC CONFIDENCE IN ATTRACTING UMRAH PILGRIMAGES Zainur Ridho; Farida dewi; Nadila vega
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

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

As time goes by, building a service business can be said to have very bright prospects, especially in line with changing consumer patterns that are increasingly diverse and prioritize convenience. A strategy consists of several tactics. Strategies are general, fundamental, and long-term, compared to tactics, which are more specific, operational, and short-term plans. Strategy aligns with the development of the concept of strategic management, which is not simply defined as a means to achieve a goal.Trust is closely related to religion, but its scope is broader.Increasing public trust in attracting pilgrims to register with PT Qiblatain travel is a crucial step to expand reach and increase customer numbers. This includes providing clear information, such as package prices, facilities, and registration requirements, clearly and transparently. Good and friendly service is also essential for providing services to PT Qiblatain pilgrims. By implementing a strategy that focuses on information transparency, service quality, legality, education, digital marketing, attractive promotions, and community development, PT Qiblatain can build a strong reputation in the eyes of the public.
CORPORATE SOCIAL RESPONSIBILITY (CSR) PROGRAM FUND DISTRIBUTION MODEL IN COMMUNITY ECONOMIC EMPOWERMENT EFFORTS Mabruroh
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66931/jizzi.v6.i1.335

Abstract

Corporate Social Responsibility (CSR) is a company's commitment to supporting sustainable economic development by considering the balance between economic, social, and environmental aspects. This study aims to describe the model of CSR program fund distribution in efforts to empower the community economically at Yasmin Hospital in Banyuwangi, East Java. The focus of the study includes: (1) the model of CSR fund distribution for community economic empowerment, (2) the model of community economic empowerment related to CSR fund distribution, and (3) the positive implications of both models. This study uses a qualitative approach with a case study type. Data collection techniques were carried out through observation, interviews, and documentation, while data analysis included data reduction, data presentation, and conclusion drawing with data validity through triangulation. The results of the study show that the CSR fund distribution model of Yasmin Hospital is able to improve the welfare and economic independence of the community and contribute to environmental preservation, although it still needs improvement to be more effective and efficient in terms of time, cost, and energy.  
UMRAH MARKETING MANAGEMENT: ATTRACTING THE INTEREST OF MILLENNIAL PILGRIMAGES Mohammad Zainullah
IZZI: Jurnal Ekonomi Islam Vol. 5 No. 2 (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

This study aims to analyze the implementation of Sharia-based digital marketing innovation in increasing millennial pilgrims’ interest at PT Nurul Haramain Mulia. The research employed a descriptive qualitative approach with a case study design. Data were collected through semi-structured interviews, observation of the company’s social media platforms, and internal documentation, and were analyzed using an interactive model consisting of data reduction, data display, and conclusion drawing. The findings indicate that the implementation of digital marketing strategies through social media, online registration and payment systems, and inspirational educational content increased millennial pilgrims’ interest by approximately 35% among those aged 25–35. Furthermore, the application of Sharia marketing principles such as honesty, trustworthiness, and transparency strengthened customer trust and loyalty. The synergy between digital innovation and Islamic values has proven to be the key factor in the company’s success in attracting and retaining millennial pilgrims in the modern era.
THE ROLE OF ISLAMIC BANKS IN PROMOTING THE GROWTH OF MICRO, SMALL, AND MEDIUM-SIZED ENTERPRISES (MSMEs) IN INDONESIA (A REVIEW OF THE MAQASHID AL-SHARIAH) M. Asri Setiawan; Zaiful Anas Qiblatain
IZZI: Jurnal Ekonomi Islam Vol. 6 No. 2 (2026): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66931/jizzi.v6.i2.353

Abstract

This study aims to analyze the role of Islamic banks in promoting the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia from the perspective of maqashid sharia. This research employs a qualitative descriptive approach using literature review and secondary data analysis obtained from the Financial Services Authority (OJK), Bank Indonesia, and relevant scientific publications from 2018–2023. The results indicate that Islamic bank financing, particularly through murabahah, musyarakah, and mudharabah contracts, significantly contributes to improving MSMEs' access to capital and fostering economic justice. However, challenges remain in terms of low Islamic financial literacy and the dominance of sale-based contracts over profit-sharing schemes. This study is expected to provide academic and practical contributions to the development of Islamic banking oriented toward public welfare.
ANALYSIS EFFECTIVENESS OF THE BAZNAS JEMBER REGENCY RETAIL EMPOWERMENT PROGRAM Z-MART IN IMPROVING THE WELFARE OF MUSTAHIK Chynthia Putri Danisa Baihaqi; Inayah Swasti Ratih
IZZI: Jurnal Ekonomi Islam Vol. 6 No. 2 (2026): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66931/jizzi.v6.i2.381

Abstract

Abstract This study aims to analyze the effectiveness of the Z-Mart Retail Empowerment program in improving the welfare of Mustahik recipients of the Z-Mart Retail Empowerment program of the National Amil Zakat Agency (BAZNAS) of Jember Regency. This study uses a descriptive qualitative approach. The data was obtained through in-depth interviews, field observations, and documentation with informants consisting of the Person in Charge of the Z-Mart BAZNAS Retail Empowerment program in Jember Regency, mustahik business actors, the surrounding community, and consumers. Data analysis is carried out through data reduction, data presentation, and conclusion drawn. The results of the study show that the Z-Mart Retail Empowerment program is quite effective in improving the welfare of mustahik, This can be seen from the increasing number of customers, as well as the ability of mustahik to meet the economic needs of families. This program also has an impact on the spirit of mustahik in furthering his business. Factors supporting the success of the program include business capital assistance, store branding, training, and mentoring. The obstacles faced include the limitation of companions, coordination of mustahik candidate data, and differences in the level of readiness and responsibility of mustahik to run a business. Therefore, a strategy to strengthen selection, mentoring, and assistance schemes is needed so that the program is sustainable. Keys: Productive Zakat, Z-Mart, retail empowerment, mustahik welfare, BAZNAS     Abstrak Penelitian ini bertujuan untuk menganalisis Efektivitas program Pemberdayaan Ritel Z-Mart dalam meningkatkan Kesejateraan Mustahik penerima bantuan program Pemberdayaan Ritel Z-Mart Badan Amil Zakat Nasional (BAZNAS) Kabupaten Jember. Penelitian ini menggunakan pendekatan kualitatif deskriptif. Data diperoleh melalui wawancara mendalam, observasi lapangan, dan dokumentasi dengan informan yang terdiri dari Penanggungjawab program Pemberdayaan Ritel Z-Mart BAZNAS Kabupaten Jember, mustahik pelaku usaha, masyarakat sekitar, dan konsumen. Analisis data dilakukan melalui reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa program Pemberdayaan Ritel Z-Mart tergolong efektif dalam meningkatkan kesejahteean mustahik, Hal ini terlihat dari meningkatnya jumlah pelanggan, serta kemampuan mustahik dalam memenuhi kebutuhan ekonomi keluarga. Program ini juga berdampak pada semangat mustahik dalam melajutkan usahanya. Faktor pendukung keberhasilan program meliputi bantuan modal usaha, branding toko, pelatihan, dan pendampingan. Adapun kendala yang dihadapi antara lain keterbatasan pendamping, koordinasi data calon mustahik, serta perbedaan tingkat kesiapan dan tanggungjawab mustahik menjalankan usaha. Oleh karena itu, diperlukan strategi penguatan seleksi, pendampingan, dan skema bantuan agar program berkelanjutan. Kata kunci: Zakat Produktif, Z-Mart, pemberdayaan ritel, kesejahteraan mustahik, BAZNAS
BEYOND THE HALAL SYMBOL: HOW HALAL CERTIFICATION AND PRODUCT QUALITY JOINTLY DRIVE MUSLIM CONSUMER SATISFACTION IN THE SOCIAL MEDIA SKINCARE MARKET Dewi Masita; Dwi Wardah Akmaliah
IZZI: Jurnal Ekonomi Islam Vol. 6 No. 2 (2026): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66931/jizzi.v6.i2.392

Abstract

The rapid expansion of the halal cosmetics market, fueled by social media virality, has intensified academic interest in understanding the determinants of Muslim consumer satisfaction in non-food product categories. This study investigates the dual influence of halal certification (X₁) and product quality (X₂) on Muslim consumer satisfaction in the skincare segment (Y), using a sample of 50 respondents recruited from the researcher's 2,300 Instagram followers. Employing a quantitative explanatory design, data were collected via a structured online questionnaire and analyzed using Pearson Product Moment correlation and multiple linear regression. Results confirm that halal certification exerts a statistically significant positive influence on consumer satisfaction (β = 0.412, p < 0.001), while product quality demonstrates an even stronger independent effect (β = 0.537, p < 0.001). Critically, the simultaneous inclusion of both predictors yields a substantially elevated coefficient of determination (R² = 0.684), indicating a synergistic rather than merely additive relationship. These findings challenge the assumption that halal labeling alone is sufficient to ensure satisfaction and provide empirical validation for the Islamic concept of tayyib goodsproducts that are simultaneously religiously permissible and functionally excellent. The study offers evidence-based implications for skincare manufacturers, Indonesia's Halal Product Guarantee Agency (BPJPH), and digital Islamic marketing practitioners navigating the post-mandatory-certification landscape.
UMRAH MARKETING MANAGEMENT: ATTRACTING THE INTEREST OF MILLENNIAL PILGRIMAGES Mohammad Zainullah
IZZI: Jurnal Ekonomi Islam Vol. 6 No. 2 (2026): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66931/jizzi.v6.i2.420

Abstract

This study aims to analyze the implementation of Sharia-based digital marketing innovation in increasing millennial pilgrims’ interest at PT Nurul Haramain Mulia. The research employed a descriptive qualitative approach with a case study design. Data were collected through semi-structured interviews, observation of the company’s social media platforms, and internal documentation, and were analyzed using an interactive model consisting of data reduction, data display, and conclusion drawing. The findings indicate that the implementation of digital marketing strategies through social media, online registration and payment systems, and inspirational educational content increased millennial pilgrims’ interest by approximately 35% among those aged 25–35. Furthermore, the application of Sharia marketing principles such as honesty, trustworthiness, and transparency strengthened customer trust and loyalty. The synergy between digital innovation and Islamic values has proven to be the key factor in the company’s success in attracting and retaining millennial pilgrims in the modern era.
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. 6 No. 2 (2026): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66931/jizzi.v6.i2.421

Abstract

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
GHARAR AND TADLIS IN INFORMAL FUEL SUPPLY CHAINS: A COMPILATION OF SHARIA ECONOMIC LAW ANALYSIS OF COLLECTOR AND RETAIL GASOLINE TRANSACTIONS IN BANJAR KEJEN VILLAGE Zaenal Abidin; Dewi Masita
IZZI: Jurnal Ekonomi Islam Vol. 5 No. 2 (2025): IZZI: Jurnal Ekonomi Islam
Publisher : Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M)  of Institut Badri Mashduqi Probolinggo Jawa timur Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66931/jizzi.v5.i2.422

Abstract

This study examines a prevalent yet analytically neglected informal economic phenomenon through the lens of Sharia law: the retail gasoline trading system embedded within non-formal rural supply chains. Informal fuel distribution constitutes a critical dimension of rural economic life in developing Muslim-majority economies, yet it has received minimal systematic normative examination. The research novelty lies in its systematic application of the Compilation of Sharia Economic Law (Kompilasi Hukum Ekonomi Syariah / KHES) as a structured analytical instrument rather than merely a normative backdrop for diagnosing contract validity, gharar, tadlis, and ihtikar within village-level informal fuel distribution mechanisms. Prior scholarship has addressed retail fuel practices primarily from macro-economic and general regulatory perspectives leaving a significant gap in micro-transactional Sharia analysis. Employing a descriptive qualitative case study design through direct observation, in-depth semi-structured interviews, and documentation in Banjar Kejen Village, Pandaan District, Pasuruan Regency, East Java, Indonesia, the research identifies four interrelated normative deficiencies: (1) transactions proceed without explicit ijab-qabul (offer and acceptance) or written contracts, violating KHES (2) systematic volume discrepancies  caused by the collector transporting fuel in a motorcycle tank, consuming a portion en route  constitute gharar fahish (serious uncertainty) in the object of exchange; (3) the collector's non-disclosure of this volume deficit constitutes tadlis (concealment of material fact), regardless of fraudulent intent; and (4) the single-collector monopoly structure creates the structural conditions for ihtikar (market cornering), warranting preventive regulatory attention.The study argues that the appropriate policy response is not elimination but Shariah-ification (syariahisasi) of the existing system through formalized contracts, transparent measurement protocols, and muamalah education for informal rural business actors. It contributes a holistic, operationally grounded analytical framework that previous single-dimension studies have not provided.
PRAGMATISM VERSUS PRINCIPLE: MASLAHAH MURSALAH ANALYSIS OF MUSLIM STREET VENDORS' PREFERENCES FOR CONVENTIONAL MICROFINANCE INSTITUTIONS AMID THE AVAILABILITY OF ISLAMIC ALTERNATIVES Diniatus Wahyuning Suminar; Dewi Masita
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66931/jizzi.v5.i1.423

Abstract

This study examines a striking paradox observed in Sebani Village, Gadingrejo District, Pasuruan City, East Java, Indonesia: the overwhelming majority of Muslim street vendors (known locally as Pedagang Kaki Lima, or PKL).Through a rigorous qualitative methodology comprising in-depth semi-structured interviews, participatory observation, and systematic documentation of 15 active borrowers and two financial institution officers, this research reveals that financial decision-making among this population is driven primarily by operational factors: service accessibility, speed of fund disbursement, procedural simplicity, and the proactive door-to-door outreach model of Mekaar's field agents. Theological considerations regarding the halal or haram nature of transactions were largely absent from borrowers' deliberative processes, a finding that reflects deep structural deficiencies in Islamic financial literacy at the grassroots level. The scholarly novelty of this research lies in its deployment of the maslahah mursalah framework as a concrete normative analytical instrumentnot merely as a theoretical backdropto evaluate the Shar'i legitimacy of these pragmatic choices within the broader maqashid al-Shari'ah perspective. The analysis reveals that PNM Mekaar's financing practices fulfill the maqashid dimensions of hifzh al-mal (protection of wealth), hifzh al-nafs (protection of life), and hifzh al-'aql (protection of intellect) as genuine hajiyyah-level maslahah. However, the practice carries serious risks concerning hifzh al-din (protection of religion) due to contractual ambiguity, administrative fee structures that functionally mirror conventional interest, and the complete absence of Islamic financial education. The study concludes that Islamic financial institutions must undergo fundamental service transformation centered on grassroots community needs, and that enhancement of Islamic financial literacy constitutes a structural prerequisitenot an optional policy measurefor the effectiveness of the Islamic financial system in Indonesia.

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