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Zakiyyah Ilma Ahmad
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IFADAH : Jurnal Ekonomi dan Manajemen Syariah
Published by Sekolah Tinggi Ilmu Ekonomi Syariah Babussalam
ISSN : -     EISSN : 31639909     DOI : https://doi.org/10.64454/ifadah.v1i01
Core Subject :
IFADAH: Jurnal Ekonomi dan Manajemen Syariah adalah jurnal ilmiah yang diterbitkan oleh Prodi Ekonomi Syariah STIES Babussalam. Jurnal ini memfokuskan pada publikasi karya ilmiah di bidang ekonomi Islam, bisnis syariah, dan manajemen keuangan syariah, baik dalam konteks teoritis maupun praktis. Tujuan jurnal ini adalah menjadi media ilmiah bagi akademisi, peneliti, praktisi, dan mahasiswa untuk menyebarluaskan hasil penelitian, kajian konseptual, dan inovasi dalam pengembangan ekonomi dan bisnis yang berlandaskan prinsip-prinsip syariah. Ruang lingkup kajian meliputi, namun tidak terbatas pada: 1. Ekonomi Islam dan kebijakan ekonomi berbasis syariah 2. Manajemen dan bisnis syariah 3. Kewirausahaan Islam dan ekonomi kreatif syariah 4. Akuntansi dan audit syariah 5. Keuangan dan investasi syariah 6. Etika bisnis Islam 7. Digitalisasi dan inovasi dalam bisnis syariah 8. Filantropi Islam (zakat, infak, sedekah, dan wakaf produktif) Jurnal IFADAH menerapkan sistem peer-review dalam setiap proses penerbitannya untuk memastikan kualitas ilmiah dan orisinalitas artikel. Jurnal ini terbit dua kali dalam setahun (Januari dan Juli) dan menerima naskah dalam bahasa Indonesia maupun bahasa Inggris. Dengan semangat ilmiah dan integritas akademik, IFADAH berkomitmen menjadi wadah pengembangan ilmu dan praktik ekonomi serta manajemen syariah yang profesional, beretika, dan berdaya saing global.
Arjuna Subject : -
Articles 20 Documents
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ARISAN DALAM DINAMIKA HUKUM DAN EKONOMI SYARIAH Muhammad Farid Al-Azhar; Muhammad Khoirun Nasirin; Rakhmawan Habibi; Syafiul Umam; Ahmad Yusuf Latif Amrulloh
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 1 No 02 (2025): IFADAH : Jurnal Ekonomi Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v1i02.162

Abstract

Arisan merupakan tradisi yang telah mengakar di masyarakat Indonesia sebagai wujud solidaritas sosial, sarana saling tolong-menolong, dan menjaga tali silaturahmi dalam memenuhi kebutuhan ekonomi. Dengan kemajuan teknologi, arisan telah bertransformasi menjadi arisan online yang lebih praktis dan mudah diakses. Jenis-jenis arisan juga semakin beragam, salah satunya adalah arisan menurun. Arisan menurun memiliki keunikan tersendiri, namun dalam praktiknya perlu dilakukan kajian lebih mendalam terutama dari perspektif Hukum Ekonomi Syariah, untuk memastikan aktivitas ini tetap sesuai dengan prinsip-prinsip Islam dan menghindarkan masyarakat dari praktik yang bertentangan dengan ajaran agama. Penelitian ini dilakukan dengan metode studi literatur yang mengacu pada berbagai sumber referensi, seperti jurnal ilmiah, buku, artikel, dan dokumen terkait yang relevan dengan topik arisan menurun online dan Hukum Ekonomi Syariah. Metode ini bertujuan untuk menganalisis konsep, karakteristik, serta dampak dari praktik arisan menurun online berdasarkan kajian teoretis yang didukung oleh literatur terpercaya. Dari hasil kajian literatur ini, dapat disimpulkan bahwa praktik arisan menurun online masih belum memenuhi prinsip Hukum Ekonomi Syariah. Hal ini disebabkan oleh adanya ketidaksesuaian antara akad yang dilakukan dengan praktik aktual, sehingga arisan menurun online berpotensi berubah menjadi pengelolaan jasa simpan pinjam yang tidak sesuai dengan syariah. Oleh karena itu, penting bagi masyarakat untuk memahami prinsip-prinsip ekonomi syariah sebelum terlibat dalam arisan menurun online. Rekomendasi dari studi ini adalah perlunya regulasi yang jelas terkait praktik arisan online, serta edukasi kepada masyarakat untuk memastikan bahwa arisan yang dilakukan tetap sesuai dengan nilai-nilai Islam.
PENDEKATAN HUKUM EKONOMI SYARIAH DALAM MENGANALISIS DAN MENANGANI KREDIT MACET Nur Laily Hidayati; Zakiyyah Ilma Ahmad AHMAD; Ahmad Syahni; Abdul Wakhid; Ahmad Zainul Abidin
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 1 No 02 (2025): IFADAH : Jurnal Ekonomi Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v1i02.163

Abstract

Kredit dalam perbankan merupakan perjanjian peminjaman uang yang diberikan oleh bank kepada nasabah dengan ketentuan bahwa nasabah akan mengembalikan pinjaman tersebut secara berangsur-angsur setiap bulan, sesuai dengan jangka waktu dan jumlah yang telah disepakati kedua belah pihak. Kredit ini menjadi salah satu instrumen penting dalam dunia perbankan untuk mendukung kebutuhan finansial masyarakat dan mendukung pertumbuhan ekonomi. Namun, dalam praktiknya, tidak semua nasabah yang telah memperoleh fasilitas kredit mampu mengembalikan hutangnya dengan lancar sesuai dengan waktu yang telah diperjanjikan. Ketidakmampuan nasabah untuk memenuhi kewajiban pembayaran angsuran dapat disebabkan oleh berbagai faktor, seperti kondisi ekonomi yang memburuk, kehilangan pekerjaan, atau kegagalan usaha. Akibatnya, kredit yang diberikan menjadi bermasalah dan berpotensi macet. Kredit macet ini bukan hanya merugikan pihak bank, tetapi juga memperburuk kondisi finansial nasabah, terutama jika terdapat denda keterlambatan yang harus dibayarkan. Dalam sistem konvensional, denda tersebut sering kali mengandung unsur riba, yang dalam pandangan hukum Islam dianggap haram. Riba tidak hanya bertentangan dengan prinsip syariah, tetapi juga dapat memberatkan nasabah sehingga mereka semakin sulit untuk melunasi hutangnya. Oleh karena itu, diperlukan pendekatan yang lebih manusiawi dan sesuai dengan prinsip syariah dalam mengelola dan menangani kredit bermasalah, agar kedua belah pihak bank dan nasabah dapat mencapai solusi yang adil dan berkelanjutan.
Management of The Impact of Sharia Fintech Implementation on Financial Inclusion of Marginalized Communities Syafiul Umam; Muhammad Syafi'i Budi Santoso; Abdul Wakhid; Ahmad Syahni; Dimyati Dimyati
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 01 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i01.213

Abstract

This study examines the impact of Sharia fintech implementation on the financial inclusion of marginalized communities. The rapid development of financial technology based on Islamic principles has created new opportunities for expanding access to financial services among underserved populations, particularly those facing geographical, economic, and social barriers. The objective of this study is to analyze the role of Sharia fintech in improving access to financial services, promoting economic empowerment, and supporting sustainable financial inclusion. This research employs a qualitative descriptive approach through a comprehensive review of relevant literature, regulatory frameworks, and empirical findings related to Islamic financial technology and financial inclusion. The findings indicate that Sharia fintech contributes significantly to increasing access to financing, savings, payment systems, and financial literacy among marginalized communities. Furthermore, the principles of transparency, fairness, and prohibition of usury embedded in Sharia fintech enhance public trust and encourage broader participation in the formal financial sector. However, challenges such as limited digital literacy, inadequate technological infrastructure, regulatory constraints, and low public awareness remain significant barriers to maximizing its impact. The study concludes that strengthening regulatory support, improving digital literacy, and enhancing collaboration among stakeholders are essential to optimizing the contribution of Sharia fintech to inclusive and sustainable economic development
The Effect Of Sharia Capital Structure And Sharia Financing Structure On The Financial Performance Of Sharia Banking With Risk As An Intervening Variable Zakiyyah Ilma Ahmad; Ahmad Zainul Abidin; Muhammad Khoirun Nasirin; Rakhmawan Habibi; Dimyati Dimyati
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 01 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i01.214

Abstract

The purpose of this study is to test and analyze the direct and indirect influence of sharia capital structure and sharia financing structure on financial performance through sharia banking risk. The type of research used is quantitative with a quantitative descriptive explanatory research analysis approach . The population in this study was 15 with a sample of 9 Islamic banks using the purposive sampling method . Data were collected using purposive sampling techniques through Islamic banking financial report data. The collected data was analyzed using Partial Least Square through the Smart-PLS application. The results of the study show: Sharia Capital Structure has a direct positive and significant influence on Financial Performance (1) Sharia Financing Structure has a direct negative and significant influence on Financial Performance, (2) Sharia Capital Structure has a direct negative and significant influence on Risk towards Sharia Banking, (3) Sharia Financing Structure has a direct negative and significant influence on Sharia Banking Risk, (4) Banking Risk towards Sharia has a direct negative and significant influence on Financial Performance, (5) Sharia Banking Risk has no influence and is not significant on the indirect relationship in mediating the relationship between Sharia Capital Structure towards Financial Performance and (6) Sharia Banking Risk has a positive and significant influence on the indirect relationship in mediating the relationship between Sharia Financing Structure towards Financial Performance.
Management of Islamic Boarding School Cooperatives Governance in Achieving Financial Sustainability: A Critical Synthesis of Dual Authority and Institutional Integration Salman Alfarisi; Fauzan Fauzan; M.F Hidayatullah
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 01 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i01.218

Abstract

Islamic boarding school cooperatives (Koperasi Pesantren / Kopontren) hold strategic potential to drive the economic independence of the Muslim community in Indonesia. However, empirical evidence shows they frequently face low financial sustainability. This study systematically and critically reviews contemporary literature on the governance management of these cooperatives, focusing on integrating Good Corporate Governance (GCG) and Islamic Governance amidst complex cultural environments. Using a Systematic Literature Review (SLR) with a thematic synthesis approach, this study analyzes 22 journal articles and academic literature from Scopus, SINTA, and Google Scholar databases published between 2015 and 2024. The key findings reveal that financial sustainability failures are primarily triggered by the dualism of authority between the Kyai (charismatic authority) and professional managers (rational-legal authority). This dynamic leads to limited human resource capabilities, weak sharia compliance, and inadequate risk management. Furthermore, current literature remains largely descriptive and fails to provide empirical models measuring the direct impact of hybrid governance on financial ratios. This article contributes by proposing a new conceptual framework that bridges the cultural governance of pesantren with modern GCG standards, while defining specific research gaps for future empirical research on Islamic microfinance institutions
Business Models of Islamic Boarding Schools (Pesantren) and Their Sustainability Strategies Bahrur Rosi; Fauzan Fauzan; M.F Hidayatullah
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 01 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i01.219

Abstract

Islamic boarding schools (pesantren), as the oldest Islamic educational institutions in Indonesia, face significant challenges in maintaining institutional sustainability amid modernization and globalization. This study aims to analyze the diverse business models developed by pesantren, identify the sustainability strategies they employ, and examine the Islamic economic principles underpinning their business management practices. The research adopts a qualitative approach using a library research method supported by conceptual analysis of primary and secondary sources. The findings reveal that pesantren business models encompass Islamic boarding school cooperatives (kopontren), agribusiness, retail enterprises, and Baitul Maal wa Tamwil (BMT), all of which are grounded in the principles of amanah (trustworthiness), transparency, and Maqashid al-Shariah. Effective sustainability strategies include business diversification, strengthening Sharia governance, and fostering the development of santripreneurship. A SWOT analysis indicates that pesantren possess strong social capital as a key strength but face challenges related to limited managerial human resources and restricted access to financial capital. This study contributes to the development of value-based business models rooted in Islamic principles that are inclusive, sustainable, and competitive..
Critical Analysis of Economic Development Issues in Muslim Countries Yudistira Tri Wardana; Fauzan Fauzan; M.F Hidayatullah
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 01 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i01.220

Abstract

Economic development in Muslim countries faces various challenges stemming from economic, social, political, and institutional factors, which affect the achievement of sustainable societal welfare. This study aims to critically analyze the issues of economic development in Muslim countries from the perspective of Islamic economics. The method used is library research with a descriptive-qualitative approach through the analysis of various scientific literature, books, and relevant research findings. The results of the study show that low governance quality, high levels of corruption, political instability, wealth distribution inequality, and suboptimal human resource development, including women's participation in education and the workforce, are the main factors hindering economic development. On the other hand, the implementation of Islamic economic principles, Concepts like distributive justice, the prohibition of usury, strengthening hisbah institutions, and optimizing the role of the state in creating fair market mechanisms have the potential to support more inclusive and sustainable development. This study concludes that the success of economic development in Muslim countries requires synergy between governance reforms, institutional strengthening, improving human resource quality, and the consistent implementation of Islamic economic values. These findings are expected to serve as a reference for formulating economic development policies focused on justice, welfare, and sustainability
Implementation Management Talent Based on Islamic Values in Improving the Performance of Employees of Islamic Financial Institutions abdul wahid; Ahmad Zainul Abidin; Muhammad Syafi'i Budi Santoso
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 02 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i02.230

Abstract

Study This aim For analyze implementation management talent based Islamic values in increase performance employees at the institution Islamic finance . Management talent is one of the important strategies in management source Power man For acquire , develop , maintain , and optimize potential employees to be able to give contribution maximum to achievement objective organization . In Islamic perspective , implementation management talent No only oriented towards competence and productivity , but also emphasizes values trustworthy , ihsan , siddiq , fathanah , tabligh , justice , and professionalism as runway in operate work . Research This use approach qualitative with method studies case in one of the institution Islamic finance . Data obtained through interview in-depth , observation , and documentation , then analyzed use technique interactive data analysis that includes data reduction , data presentation , and data extraction conclusion . Research result show that implementation management talent based Islamic values have implemented through a recruitment process that takes into account competence and integrity Islam , training and development programs spiritually based , system evaluation integrated performance​ aspect professional and moral, as well as giving awards that encourage improvement motivation work . Implementation Islamic values in every stages management talent proven capable increase competence , commitment , loyalty , discipline , and productivity employee so that impact positive to improvement quality service and performance organization in a way overall . Therefore that , integration between practice management modern talent with Islamic values become an effective strategy in create source Power superior , integrated and empowered human beings competition in institutions Islamic finance
The Influence of Islamic Work Ethics on Employee Performance with Employee Engagement as Variables Mediation at BMT Muhammad Khoirun Nasisirin; Zakiyya Ilma Ahmad; Dimyati Dimyati
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 02 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i02.231

Abstract

Study This aim For analyze influence Islamic Work Ethics (IWE) towards performance employee with Employee Engagement as variables mediation at Baitul Maal wat Tamwil (BMT). Competition industry Islamic finance is increasingly strict demanding that BMT not only own superiority in aspect products and services , but also quality source Power human beings who are based on Islamic values . Implementation ethics Islamic work is believed capable form behavior trustworthy , professional , disciplined and responsible work​ answer so that impact on increasing attachment employee to organization as well as push achievement more optimal performance . Study This use approach quantitative with method survey . Population study is all over BMT employees , while sample determined use technique purposive sampling . Data collected through distribution questionnaire use five- point Likert scale and analyzed use Structural Equation Modeling – Partial Least Squares (SEM-PLS) . Variables studied covering Islamic Work Ethics as variables independent , Employee Engagement as variables mediation , and performance employee as variables dependent . Research result show that Islamic Work Ethics influential positive and significant to Employee Engagement and performance employees . In addition , Employee Engagement also has an impact positive to performance employees and proven mediate in a way partial connection between Islamic Work Ethics and Performance employees . Findings This indicates that the more tall implementation ethics Islamic work in organization , increasingly high level​ attachment employees who ultimately increase quality performance individual . Research This give implications practical that strengthening culture Islamic work , internalization mark trustworthiness , honesty , responsibility responsibility and professionalism need become the main strategy in development source Power people in BMT to be able to increase Power competition organization in a way sustainable
The Role of Spiritual Leadership in Improving Organizational Citizenship Behavior (OCB) of Islamic Bank Employees Rakhmaan habibi; Ahmad Syahni; Syafiul Umam
IFADAH : Jurnal Ekonomi Dan Bisnis Syariah Vol 2 No 02 (2026): IFADAH : Jurnal Ekonomi Dan Manajemen Syariah
Publisher : LPPM STIES BABUSSALAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64454/ifadah.v2i02.232

Abstract

This study aims to analyze the role of spiritual leadership in improving employees' Organizational Citizenship Behavior (OCB) in Islamic banks. Spiritual leadership is a leadership approach that integrates spiritual values, such as honesty, trustworthiness, compassion, exemplary behavior, and worship orientation in organizational activities. The implementation of spiritual leadership is believed to be able to create a meaningful work environment, increase intrinsic motivation, and build employee commitment and loyalty to the organization. This study uses a quantitative approach with a survey method on Islamic bank employees. Data collection was carried out through distributing questionnaires using a Likert scale, then analyzed using simple linear regression analysis to test the effect of spiritual leadership on OCB. Indicators of spiritual leadership include vision , hope/faith , and altruistic love , while indicators of OCB include altruism , conscientiousness , sportsmanship , courtesy , and civic virtue . The results of the study indicate that spiritual leadership has a positive and significant effect on employees' Organizational Citizenship Behavior. The higher the level of spiritual leadership implemented by leaders, the higher the tendency of employees to demonstrate voluntary behavior outside of formal duties, such as helping coworkers, maintaining a harmonious work environment, actively participating in organizational activities, and demonstrating loyalty to the institution. These findings indicate that spiritual leadership is a strategic factor in building a productive, collaborative, and Islamic-based organizational culture. Therefore, Islamic banks need to optimize the development of spiritual leadership as part of their human resource management strategy to continuously improve the quality of individual and organizational performance.

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