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Rusyda Afifah Ahmad
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rusydaafifahahmad@unida.gontor.ac.id
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Department of Islamic Economic, Faculty of Economics and Management, Universitas Darussalam Gontor, Jl. Raya Siman No.Km. 5, Dusun I, Demangan, Kec. Siman, Kabupaten Ponorogo, Jawa Timur 63471
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Journal of Islamic Economics and Philanthropy
Published by Universitas Darussalam Gontor
ISSN : 30326656     EISSN : 2655335X     DOI : https://doi.org/10.21111/jiep
Core Subject :
The Journal of Islamic Economics and Philanthropy (JIEP) is published quarterly in August, November, February, and May. The journal accepts only original empirical research, theoretical contributions, and systematic literature reviews. JIEP focuses on the intersection of Islamic economics and philanthropic studies, with a scope encompassing: Theory and Practice of Islamic Philanthropy Islamic Philanthropy in Economic Systems Islamic Philanthropy in Banking and Finance Social and Community-Based Islamic Philanthropy Islamic Philanthropy in Monetary Policy Islamic Philanthropy in the Public Sector and Policy Islamic Philanthropy in Business and Commerce
Arjuna Subject : -
Articles 70 Documents
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Ethical Digital Marketing and Product Quality Management in Enhancing Muslim Fashion Accessibility: An Islamic Business Ethics Perspective Abdul Latif; Tiara Yulistiani
Journal of Islamic Economics and Philanthropy Vol. 8 No. 3 (2026): February
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v8i3.37

Abstract

The development of digital technology has encouraged businesses to utilize digital marketing as a strategy to expand their market reach. Through various digital platforms, digital marketing enables businesses to reach consumers more widely and efficiently. This study aims to examine the implementation of digital marketing strategies and product quality management from the perspective of Islamic business ethics at Pramitha Store Solo in 2025. This study uses a qualitative research method. Data collection was conducted through observation, in-depth interviews, and documentation. The data obtained was analyzed using the Miles and Huberman model, which includes the stages of data reduction, data presentation, and conclusion drawing and verification. Data validity was maintained through triangulation techniques. The results of the study show that Pramitha Store Solo has implemented a digital marketing strategy based on Islamic business ethics through the use of social media and marketplace platforms to increase product accessibility and build more intensive communication with consumers. In terms of product quality, the store strives to maintain the quality of materials, design, and production processes in order to meet consumer expectations and satisfaction. However, there are still several obstacles, particularly related to limited human resources and consistency in product quality control. This study is expected to contribute academically to the development of digital marketing studies based on Islamic business ethics and serve as a practical reference for business practitioners.
Strategi Pengembangan Bisnis Wakaf Berbasis Analisis SWOT pada Supermarket Roya Gontor: Business Development Strategy of the Roya Gontor Waqf Supermarket Based on SWOT Analysis Luthfiyah Yuwanita; Andi Triyawan
Journal of Islamic Economics and Philanthropy Vol. 8 No. 3 (2026): February
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v8i3.38

Abstract

Roya is one of the business units of Pondok Modern Darussalam Gontor to meet the needs of the Pondok community and its surroundings. To develop the Roya supermarket business, a SWOT analysis is carried out to find out the strengths, weakness, opportunities and threats so that strategies can also be found to develop Roya supermarkets. The purpose of this research is to obtain alternative strategies used by Roya Gontor supermarket in developing its business. This research also aims to identify problems about analyzing internal factors, external factors and SWOT matrix in creating a distribution development strategy. The methodology used is descriptive qualitative and uses interviews to respondents. The results of the research include Roya supermarket has several strengths, namely varied products, and has been confirmed halal because Roya supermarket is a business unit established by Pondok Modern Darussalam Gontor. For the weaknesses in this business unit, namely: lack of online promotion, payment systems that are not yet strict, no price tags on the shelves, and the use of technology that is less improved. The strategies that Roya supermarkets can carry out to develop business are maintaining and improving product quality, improving service quality, making attractive advertisements as promotions, increasing the comfort and beauty of the place so that consumers are interested, and improving technology in service.
A Competitive Analysis of Halal Industry Ecosystem Development Between Indonesia and Malaysia Alfina Lailatul Fitriyah; Sirajul Arifin
Journal of Islamic Economics and Philanthropy Vol. 8 No. 3 (2026): February
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v8i3.39

Abstract

The global halal industry has evolved into a competitive economic ecosystem, with Malaysia and Indonesia emerging as key players. This study aims to analyze the competitive advantages of the halal industry ecosystems in both countries through a comparative approach involving governance, financial infrastructure, and sector performance. Using a qualitative method with secondary data analysis from 2023-2025 strategic reports, this study finds significant divergence in ecosystem maturity. Malaysia, ranked 1st in the IFDI 2024, demonstrates superiority in a centralized governance model through HDC and JAKIM, as well as a dominant Islamic capital market with corporate sukuk outstanding reaching 84.6% of total bonds. In contrast, Indonesia, ranked 4th, adopts a collaborative governance model (KNEKS-BPJPH) focusing on domestic market strengthening and MSME certification. The study concludes that Malaysia’s competitive advantage lies in its mature export-oriented ecosystem and financial integration, while Indonesia’s strength lies in its massive market scale and digitalization potential.
Keadilan Ekonomi dan Perlindungan Harta Konsumen dalam Perdagangan Digital: Analisis Maqasid al-Syari’ah terhadap TikTok Shop: Economic Justice and Consumer Wealth Protection in Digital Commerce: A Maqasid al-Shari’ah Analysis of TikTok Shop Nofri Usmanto; Muhammad Fariq Heemal Attruk
Journal of Islamic Economics and Philanthropy Vol. 8 No. 3 (2026): February
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v8i3.40

Abstract

The rapid growth of digital commerce in Indonesia has intensified risk distribution within marketplace transactions. The high number of consumer complaints regarding product mismatch and refund failures indicates that the issue extends beyond contractual validity and reflects structural imbalance in risk allocation. This study aims to analyze the extent to which TikTok Shop practices realize the principle of hifz al-mal within the framework of maqasid al-shariʿah and to evaluate the justice of risk distribution in digital market systems. Employing a normative-doctrinal approach with a socio-economic analytical orientation, this research is based on a literature review and documentary analysis of twelve TikTok Shop transaction cases from 2024–2025 that were publicly documented and purposively selected based on their relevance to product inconsistency and wealth protection issues. The findings reveal that transaction risks tend to be concentrated on consumers due to information asymmetry, limited pre-transaction verification, and predominantly post-transaction dispute mechanisms. From the perspective of maqasid al-shariʿah, this condition indicates that the realization of hifz al-mal has not been fully integrated into digital market design. Theoretically, this study argues that hifz al-mal functions not merely as an individual legal protection principle but as a foundation of economic justice in the distribution of market benefits and burdens. Disproportionate risk allocation may weaken public trust and digital economic stability; therefore, consumer protection should be understood as a prerequisite for sustainable platform-based economic systems.
Fintech Adoption in Islamic Banking: Implications for Achieving Sustainable Development Goals Rusyda Afifah Ahmad; Fachri Muhamad Sidiq; Sheema Haseena Armina
Journal of Islamic Economics and Philanthropy Vol. 8 No. 3 (2026): February
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v8i3.41

Abstract

In the increasingly modern era, the digitization of the banking industry has been developing rapidly. Banks that fail to adapt to technological advancements tend to experience declining competitiveness, which encourages financial institutions to leverage digital technologies in their operations. Along with this development, several emerging financial technologies, such as Securities Crowdfunding (SCF) and Peer-to-Peer (P2P) finance, have gained significant attention. This study analyzes these technologies separately to examine their potential application within Islamic banking. This research employs a quantitative approach using correlation and one-directional analysis to address the research questions. The findings aim to explain Islamic banks’ perspectives on digital transformation and to identify the strategic direction adopted by Islamic banks in their digitalization efforts. The results reveal that, in general, the implementation level of emerging digital technologies in Islamic banking remains relatively low. An exception is mobile banking, which has been widely implemented due to the availability of established public infrastructure. It is expected that the findings of this study will encourage Islamic banks, particularly in Indonesia, to increase capital investment in digital innovation in order to enhance competitiveness with conventional banks and strengthen the sustainability of Islamic banking in the digital era.
Mobilizing Green Capital in Emerging Economies: Green Sukuk, ESG Principles, and Sustainable Infrastructure Rizwan Ahmed
Journal of Islamic Economics and Philanthropy Vol. 8 No. 2 (2025): November
Publisher : Universitas Darussalam Gontor

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Abstract

This paper discusses how Green Sukuk (GS) can be used to fund infrastructure expansion (IE) and sustainable development in Pakistan and specifically renewable energy sector. It also addresses the role played by Environmental, Social and Governance (ESG) compliance in enhancing the effects of Islamic finance on sustainability outcomes. The respondents were interviewed face-to-face and comprised 233 managers, investors, and policymakers who are engaged directly in the renewable energy projects and Sukuk financing. The hypothesised relationship among GS, ESG compliance and sustainable infrastructure development were tested by means of structural equation modelling (SEM). The findings show that GS would play a significant role in renewable energy IE, which would help in promoting the sustainable development agenda of Pakistan. Additionally, the compliance with ESG shows a high level of mediation, which improves accountability, transparency, and consistency with global sustainability-related standards. The results show that the potential of GS to lead renewable energy projects might not fully be achieved, unless it is integrated with ESG. The paper emphasises the role of integrating ESG frameworks within GS structures as a way of enhancing investor confidence, boosting international investment and expediting the process of making Pakistan a clean energy nation. This paper can offer a new approach to mobilising green capital and promoting sustainable infrastructure in an emerging economy by connecting Islamic finance and ESG principles to renewable energy markets.
Analysis of The Impact of The One Family One Bachelor Scholarship Program on Poverty Reduction Abdul Latif Rizqon; Annisa Qudrati Lestari; Azhar Nor
Journal of Islamic Economics and Philanthropy Vol. 8 No. 2 (2025): November
Publisher : Universitas Darussalam Gontor

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Abstract

Badan Amil Zakat Nasional (BAZNAS) is the official and only body established by the government based on Presidential Decree No. 8 of 2011, this institution has a role to collect and distribute ZIS funds at the national level and at the regional level is known as the Regional Amil Zakat Agency which functions as planning, implementing, collecting and distributing and utilizing zakat. The One Family One Bachelor Scholarship Program (SKSS) is a form of BAZNAS's concern for underprivileged communities. As for scholarships for students who have the ability and additional advantages at universities in Indonesia and most importantly students who come from families who do not have the ability that one of the family members does not do a bachelor's degree and financing is starting to be done. The purpose of this study is to analyze the distribution mechanism of the SKSS Scholarship Program at Baznas Ngawi Regency and to analyze the One Family One Bachelor (SKSS) Scholarship Program on the level of poverty reduction in the Ngawi area. The research method used in this study is a qualitative method with a descriptive approach. Data collection techniques by means of observation, interviews, and documentation. Data analysis techniques through data collection, data reduction, data presentation, and conclusion drawing. Data validity techniques with Source Triangulation, Technique Triangulation, Time Triangulation. The results show that the One Family One Bachelor Scholarship Program (SKSS) can reduce poverty but not significantly by looking at indicators of the concept of poverty, forms of poverty, and strategies to overcome poverty.
Expanding The Benefits of Waqf For The Environment In Waqf Policy In Indonesia Siska Lis Sulistiani
Journal of Islamic Economics and Philanthropy Vol. 8 No. 2 (2025): November
Publisher : Universitas Darussalam Gontor

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Abstract

Waqf in Indonesia has been known since before Indonesia became independent, however, the purpose and benefits of waqf are still understood with a narrow understanding that is limited to the aspect of providing religious facilities only, while the benefits of waqf can be expanded according to the conditions and era without reducing the main standards that were conveyed by the Prophet Muhammad in Umar hadith. The aim of this research is to analyze opportunities to expand the benefits of waqf to protect the environment and minimize the impact of ecological disasters in Indonesia, through applicable regulations and policies. The research method used is literature study through legal and policy study materials relevant to waqf. The results of this research show that the waqf law No. 41 of 2004 still needs to be amended, especially regarding the regulatory scheme and policy on waqf benefits for the environment which can be collaborated with other financial sectors that comply with sharia and legal provisions in Indonesia.
The Relationship between Price and Service Quality on Consumer Satisfaction: Study on Youth Male Muslim Consumer Suyoto Arief; Adib Susilo; Antoni Julian
Journal of Islamic Economics and Philanthropy Vol. 8 No. 2 (2025): November
Publisher : Universitas Darussalam Gontor

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Abstract

This study aims to seek the relationship between price and service quality on youth male Muslim consumer satisfaction in Indonesia. This study is quantitative study with multiple linear regression analysis. To obtain the data, questionnaire distributed using purposive random sampling, the sample of this study is 160 youth Muslim male. The result of this study shows that price has no relationship with youth male Muslim consumer satisfaction while service quality found to have a positive and significant relationship. Simultaneously, price and service quality have a positive and significant relationship with youth male Muslim consumer satisfaction. The model is explained by variances in this study about 44.3%. This study contributes in the better understanding of youth male Muslim Indonesia in their satisfaction. Company able to take any account to provide product or services to youth male Muslim Indonesia based from this study that price is not the essential factor to them as long as they experience the benefits.
Integrating Classical Islamic Scholarship with the Sustainable Development Goals: A Narrative and Thematic Review Mohammad Zen Nasrudin Fajri; Arie Rachmat Sunjoto; Arizqiya Nurfattah; Muhsin Arafat
Journal of Islamic Economics and Philanthropy Vol. 8 No. 2 (2025): November
Publisher : Universitas Darussalam Gontor

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Abstract

This investigation examines the Sustainable Development Goals and their alignment with classical Muslim scholarship, like Ibn Khaldun, Al-Farabi, Al-Ghazali, and Ibn Sina. The contemporary academic discourse is largely secular, with strands focusing decades on Islamic finance, for example, or maqāsid al-sharīʿah. However, the literature on Islamic classical thought and modern development is very rare. Using the narrative review, the author has engaged in primary and secondary social justice, human development, economic and finance ethics, governance, and the environment from the classical manuscripts and from Scopus and Google Scholar, to social justice, human development, and the environment that is secondary in the literature. The results of classical social scholars in their discourse have emphasized the social development goals of justice, equity, education, public welfare, balanced governance, and environmental moral governance. Ibn Khaldun’s concepts of ‘umran and ‘asabiyyah, Al-Farabi’s vision of the virtuous city, political theodemocracy of Al-Ghazali, ethical economics, and holistic health of Ibn Sina with the environment offer an ethical vision for inclusive and sustainable development. The mapping of these themes has signified that classical Islamic thought is congruent with the contemporary development of public policies in the rest of the Muslim world, especially with those pillars of social development. This research enhances the conversation regarding development by detailing the historical perspectives of Islam and distilling actionable lessons for modern governance, education, social welfare, and sustainability.

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