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.
MAQASHID SYARIAH SEBAGAI KERANGKA ETIS KEBIJAKAN HILIRISASI EKONOMI MENUJU INDONESIA EMAS 2045
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.
Hak Cipta (c) 2026 zik wan (Penulis) https://creativecommons.org/licenses/by-nc/4.0
ANALISIS PENGGUNAAN QRIS TERHADAP PERILAKU KONSUMEN DI CAFÉ LATHOMAN
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.
Hak Cipta (c) 2026 Himami Firdausi, Miftahul Arifin (Penulis) https://creativecommons.org/licenses/by-nc/4.0
PERSEPSI SYEKH YUSUF AL-QARADAWI DAN ABDULLAH AN -NA'IM TERHADAP AKAD JUAL BELI ONLINE PERSEPEKTIF EKONOMI SYARIAH
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
Hak Cipta (c) 2026 Lutfiatun Hasanah, Haqiqotus Sa’adah (Penulis) https://creativecommons.org/licenses/by-nc/4.0
KUNCI KEUNGGULAN KOMPETITIF MANAJEMEN KREATIVITAS DAN INOVASI DI ERA DIGITAL
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.
Hak Cipta (c) 2026 Naylal Fithri, Moh febri, Miftahul Arifin, Ilham Jaya Kusuma, A.Rosikhon Fahmi (Penulis) https://creativecommons.org/licenses/by-nc/4.0
INOVASI KEMANDIRIAN EKONOMI MELALUI KOPONTREN DI PONDOK PESANTREN AL-MASHDUQIAH
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
Hak Cipta (c) 2024 Zainur Ridho, Firda Amelia Putri, Nur Iftah Maufida, Nurin Sakinati Baroroh (Penulis) https://creativecommons.org/licenses/by-nc/4.0
IMPLEMENTATION OF EDUCATIONAL FINANCING MODELS IN HIGH-QUALITY EDUCATIONAL INSTITUTIONS
The implementation of financing models in educational institutions generally relates to the management of financial resources to ensure operational sustainability and the improvement of educational service quality. An effective and efficient financing model is one that contributes to service quality enhancement, enables the achievement of targeted outcomes, supports human resource empowerment, fosters community participation, and strengthens the stability and long-term sustainability of educational institutions. This study employs a qualitative research approach, specifically descriptive qualitative design. Informants include the leadership and caretakers of Pondok Pesantren Al-Mashduqiah, as well as human resources within the finance and facilities directorates, selected through purposive sampling and supplemented with snowball sampling. Data analysis consists of data collection, reduction, display, and conclusion drawing. Findings reveal that Pondok Pesantren Al-Mashduqiah applies a hybrid financing scheme combining the Public-Private Partnership (PPP) model and the Need-Based Financing Model. Implementation is carried out through systematic need assessments of institutional units, PPP planning based on these assessments, integrated budgeting that combines BOS funding, regional/national government budgets (APBD/APBN), government grants, donor support through UPIZ Al-Mashduqiah, private sector contributions (DUDI), foundation funds, and independent economic initiatives, followed by continuous monitoring and evaluation aligned with financing targets.
Hak Cipta (c) 2025 Moh Rifa'i, Wardaniah, Yuni Rohimatus Syamsiyah (Author) https://creativecommons.org/licenses/by-nc/4.0
FAKTOR YANG MEMPENGARUHI INOVASI PRODUK DAN HARGA PENJUALAN PADA TOKO KELONTONG
Innovation is a word that is familiar to our ears and is key for the business world. Grocery stores also innovate products by producing their own products. This type of research uses quantitative methods, which aim to solve factors that influence the success or failure of grocery store sales caused by the rise of modern retail. Data collection techniques were carried out using population, sample research, data sources and questionnaires with spss 21 calculations. The research results obtained from grocery stores in rawan village were based on product innovation with product quality (<!-- [if gte msEquation 12]><m:oMath><m:sSub><m:sSubPr><m:ctrlPr></m:ctrlPr></m:sSubPr><m:e><m:r>X</m:r></m:e><m:sub><m:r>1</m:r></m:sub></m:sSub></m:oMath><![endif]--> ) with a percentage result of 69% in the medium category indicating that the store grocery hj. Sus does not indicate a high or low category. Meanwhile, the results of price (<!-- [if gte msEquation 12]><m:oMath><m:sSub><m:sSubPr><m:ctrlPr></m:ctrlPr></m:sSubPr><m:e><m:r>X</m:r></m:e><m:sub><m:r>2</m:r></m:sub></m:sSub></m:oMath><![endif]--> ) with a percentage value of 60% in the medium category also indicate that it is not in the high or low category. These results also show that there are difficulties in reaching prices for various products and that there are competitors between grocery stores. Purchase decisions<!-- [if gte msEquation 12]><m:oMath><m:r> (</m:r><m:r>y</m:r><m:r>)</m:r></m:oMath><![endif]--> are at a percentage of 54% at the hj store. Sus in rawan village which was reviewed by searching for information, indicators of recognition of various problems according to needs, evaluation of alternatives, buyer decisions and behavior after purchase.
Hak Cipta (c) 2023 Naylal Fithri, Siti Mutmainnah (Penulis) https://creativecommons.org/licenses/by-nc/4.0
STUDI KELAYAKAN BISNIS PENGOLAHAN SUSU SAPI MURNI DALAM ASPEK PASAR DAN PEMASARAN di KUD Argopuro Krucil
This research analyzes the feasibility study of pure cow's milk processing business from the market and marketing aspects, focusing on the village unit cooperative (kud) argopuro in krucil district, probolinggo regency. The problem examined is how the feasibility of the pure cow’s milk processing business managed by kud argopuro is assessed from market and marketing aspects. This study aims to determine and analyze the feasibility of the milk processing business using qualitative field research methods. The research utilizes both primary and secondary data, with data collection techniques including observation, interviews, and documentation. The results show that the availability of raw materials, strategic factory location, and growing market opportunities make the business viable. The existence of 4,079 dairy cows in krucil supports the sustainability of milk supply. The findings conclude that, based on the market and marketing aspects, the business operated by kud argopuro is feasible and has potential for further development in the future
Hak Cipta (c) 2024 Siti Aisyah, Yeni Fatur Rohmah (Penulis) https://creativecommons.org/licenses/by-nc/4.0
PRIORITY SCOPE ANALYSIS FOR EFFECTIVE AND EFFICIENT FINANCING MANAGEMENT AS A STRATEGY FOR DEVELOPING ISLAMIC EDUCATIONAL INSTITUTIONS
It is important to analyze and determine the scope of program financing management priorities so that it can have implications for improving the development of educational institutions gradually and targeted. Program financing on a priority scale is the main step that must be decided. The research uses a qualitative approach with case studies. The researcher describes and analyzes the analysis process and what are the priority scopes in effective and efficient financing management. Direct participation with leaders and finance staff. The data collection technique is through interviews and observations while the analysis is carried out through data reduction, data presentation, conclusion drawn, and verification. The results of this study explain that the process of analyzing the scope of financing management priorities is carried out by determining the objectives of analysis, data reduction through the identification of priority programs, data collection, data presentation, conclusion making and verification. The priority scope of financing management consists of priority scale program financing planning including needs analysis, and budgeting, and priority scale program cost planning, financing organization consists of organizing programs and estimating their costs, direction with the implementation of variance analysis, the use of information technology, cooperation and networking, identification of problems and opportunities, as well as the implementation of the scope of priorities consisting of budget preparation, bookkeeping, auditing, and accountability, and supervision consisting of budget control, supervision through bookkeeping and reporting, cash management, and stakeholder feedback.
Hak Cipta (c) 2024 Moh Rifa'i (Penulis) https://creativecommons.org/licenses/by-nc/4.0
MANAJEMEN EKONOMI MANDIRI DALAM KEMANDIRIAN PESANTREN UPAYA MENINGKATKAN KETAHANAN EKONOMI MASYARAKAT
This study aims to describe the application of independent economic management in Pondok Pesantren Al-Mashduqiah as an effort to improve the economic resilience of the surrounding community. By using qualitative descriptive method, this study identifies pesantren business units, such as savings and loans, convection, tofu and tempeh factory, wholesale, and cooperative, which become the main source of income. The findings show that such efforts help pesantren meet internal needs and support economic resilience. However, the contribution to the surrounding community is still limited. This study highlights the importance of training, external support, and the use of technology as a strategy for developing a more inclusive pesantren economy.
Hak Cipta (c) 2024 Roiqotul Fitria, Shevina Nazalia Rachamadinim, Siti Rohma (Penulis) https://creativecommons.org/licenses/by-nc/4.0
ANALISIS KESEJAHTERAAN EKONOMI PETANI PADI MELALUI PERTANIAN ORGANIK DI DESA LOMBOK KULON WONOSARI BONDOWOSO
Organic farming is an effort to reduce farmers' dependency on chemical fertilizers. Besides the distribution scarcity, chemical fertilizers have been proven to decrease soil fertility, which in turn affects the decline in rice yields. This research aims to determine the improvement in the economic welfare of rice farmers through organic farming and the impact of organic rice farming on the community in Lombok Kulon Village, Wonosari District, Bondowoso Regency. The method used in this research is a qualitative method with a phenomenological approach. Data collection techniques include observation, interviews, and documentation. The data analysis techniques used involve data reduction, data presentation, and drawing conclusions. The results of the research show an improvement in the welfare of rice farmers through organic farming, a positive impact on agricultural land that uses organic farming, and the development of organic tourism villages that have a positive impact on the community.
Hak Cipta (c) 2024 Wilda Tul Uluf (Penulis) https://creativecommons.org/licenses/by-nc/4.0
PELAKSANAAN MONITORING KEPALA CABANG TERHADAP PELAYANAN KARYAWAN BMT UGT KANIGARAN PROBOLINGGO
This study aims to determine the implementation process of Branch Head Monitoring of BMT-UGT Kanigaran Employee Services in Probolinggo City. This research uses qualitative methods, the collection technique is through active observation, interviews with branch heads and BMT-UGT Sidogiri employees. This intends to find out the state of something about what and how, and so on. the results of the study, it was found that the Implementation of the Monitoring Task by the Branch Manager towards the Service of BMT-UGT Kanigaran Employees of Probolinggo City, is to use Sidak, or unscheduled according to the wishes of the Branch Manager.
Hak Cipta (c) 2024 Badrut Tamam, M. Munir (Penulis) https://creativecommons.org/licenses/by-nc/4.0
PENERAPAN MANAJEMEN STRATEGI UMKM DALAM MENGHADAPI PERSAINGAN BISNIS DI KAWASAN PPS Al-UTSMANI BONDOWOSO
Micro, Small and Medium Enterprises or UMKM are the business group that has the largest number and has proven to be resistant to various shocks from the economic crisis. Strategy is very important to determine the company's success in achieving its long-term goals. By choosing the right strategy for a particular company position, a company will have a competitive advantage. The aim of this research is to find out what strategies are used by Micro, Small and Medium Enterprises (UMKM) owners in facing business competition. This research method uses descriptive qualitative, previously interviews were conducted with resource persons with the results obtained in the form of strategies implemented by sellers in promoting the goods they sell. It can be concluded that business competition in the Al-Utsmani Salafiyah Islamic boarding school is so great that sometimes business actors are at a disadvantage in dealing with this situation, therefore business strategies play a very important role.
Hak Cipta (c) 2024 Haqiqotus Sa’adah, Kazimah, Sri Yuliati Ningsih, Ainur Rohmah, Muhammad Bahanan (Penulis) https://creativecommons.org/licenses/by-nc/4.0
ANALISIS SWOT DALAM MENENTUKAN STRATEGI PENGEMBANGAN USAHA TERNAK ITIK PETELUR PERSEPEKTIF BISNIS ISLAM
The poultry industry is the main trigger for national development in the livestock sub-sector. One of the businesses that the community is involved in is laying duck farming. Laying duck farming business has good prospects for development, both as a main business and as a side business, such as duck farming. Mr. Mil, who is located in Bulu Village, Kraksaan District, Proboliggo Regency with an intensive maintenance system. The purpose of this research is to analyze the development of Mr. Mil's laying duck business which is located in Bulu Village, Kraksaan District, Proboliggo Regency. The research was conducted using the SWOT analysis method while the data collection technique was by conducting interviews and observation. In terms of data sources, additional material comes from written sources, namely documents and journals. The results showed that alternative strategies that can be applied in business development are increasing production capacity through adding cages, having relationships with more than one agent and retailer, making maximum use of technology, building cooperation with local government agencies or governments, observing the maintenance of ducks from climate and unstable weather, Utilizing alternative feeds to overcome duck feed, Increasing promotions by utilizing social media, Adding distribution channels.
Hak Cipta (c) 2024 Fasihul Lisan, Mabruroh Munib (Penulis) https://creativecommons.org/licenses/by-nc/4.0
KONSTRUK PENGEMBANGAN INDUSTRI HALAL UMKM MELALUI PENGUATAN EKONOMI DIGITAL DI INDONESIA
Digital technology as a key component of the industrial revolution is one of the crucial inputs for the halal MSME industry to expand its business lines. This study aims to find out the portrait of the digital economy constructs as a means of developing the MSME halal industry in Indonesia. This type of research is qualitative research which is library research. Sources of data come from secondary data obtained through articles, journals, documentation books, and the internet, including data published by institutions that have trusted credibility, such as Bank Indonesia (BI), Ministry of National Planning and Development, and related institutions. other. Based on the search, three important strategies were found in efforts to develop the MSME halal industry through strengthening the digital economy, namely: 1) Encouraging the formation of halal MSME human resources who understand the digital economy, 2) Encouraging digital transformation for halal MSME, 3) Utilizing Industry 4.0 technology to encourage MSME growth halal which focuses on HVC by utilizing digital economic infrastructure. The three main programs (quick-wins) recommended are: 1) Developing online marketplaces and halal payment systems for MSMEs, 2) Providing digital business guidelines and sharia compliance for MSMEs that are accessible to the public, 3) Increasing digital and halal literacy value-chain for SMEs with various programs.
Hak Cipta (c) 2024 Handry Cahyopy (Penulis) https://creativecommons.org/licenses/by-nc/4.0
ANALISIS PEMBERIAN HADIAH DALAM PRODUK SIMPANAN BERJANGKA WADIAH (SAJADAH) DI BMT NU CABANG MLANDINGAN SITUBONDO
Baitul Mal wat Tamwil (BMT) is one form of sharia-based Microfinance Institution (MFI). The name BMT has two terms, namely the term baitul maal which means the management of worship treasures and the term baitul tamwil which means the collection and distribution of commercial funds. In BMT there are several financing products like other financial institutions, as well as the NU BMT in the Situbondo area which has several financing products. However, there is one product that is interesting to study at BMT NU Mlandingan Situbondo Branch, namely the wadiah prize savings product (SAJADAH) where customers will get a gift directly when opening the savings but with an agreed period of time. This is interesting to be used as research material because in a wadiah contract it is not allowed to promise a gift at the beginning of the contract. In this research, normative research is used while the approach used is an analytical approach where the SAJADAH savings product is the object of research. The results obtained from the analysis of gift giving in the wadiah contract that occurs at BMT NU Mlandingan Situbondo Branch are that this practice is permissible because the practice of giving gifts at BMT NU Situbondo is in accordance with the provisions of the DSN-MUI fatwa and the purpose of giving these gifts does not violate the provisions of the Sharia
Hak Cipta (c) 2024 Bayu Aria Pratama, Faizatul Ummah (Penulis) https://creativecommons.org/licenses/by-nc/4.0
STRATEGI PEMASARAN DI ERA DIGITAL DENGAN MENERAPKAN BERBISNIS SECARA ISLAM (STUDI USAHA GROSIR AL-MASHDUQIAH)
This research aims to find out and analyze how marketing concepts and strategies in the digital era and Islamic business are implemented by the Al-Mashduqiah Wholesale shop business unit located on Jl. Juanda No. 370, RT.01, Kp. Arabic, Benchmark, District. Kraksaan, Kab. Probolinggo The aim of this research is to find out and analyze Marketing Strategy from an Islamic Business Perspective, Al-Mashduqiah Wholesale Shop Business Study. and how to implement it for micro, small and medium enterprises and small and medium enterprises so that it is hoped that the resume results from this research can be used as a framework or model for other business actors. This research uses descriptive research and uses field studies and analyzes concepts carried out by Al-Mashduqiah Wholesale shop entrepreneurs. The results of this research indicate that the marketing strategy carried out by the wholesale shop business unit is to do business according to Islamic sharia in the micro, small and medium wholesale shop business sector. The results show that the Al-Mashduqiah Wholesale shop business belongs to the Islamic boarding school business unit located in the Patoan Arab Village Islamic boarding school, Kec. Kraksaan applies good Islamic business behavior from entrepreneurs to be applied in his business sector. In implementing marketing strategy activities, wholesale shop business actors have understood and implemented Islamic principles or values ​​based on the sources of the Al-Qur'an and Hadith.
Hak Cipta (c) 2024 Siti Aisyah (Penulis) https://creativecommons.org/licenses/by-nc/4.0
ANALISIS STRATEGI PEMASARAN DIGITAL UNTUK MENINGKATKAN PENJUALAN PRODUK PADA MANDIRI STORE
Toko Mandiri Store, in carrying out a marketing strategy is to determine the target market by applying a number of elements, namely: segmentation, targeting and positioning and also with a marketing mix with the aim of persuading consumers and maintaining the number of existing customers. Toko Mandiri Store practices digital marketing strategies online through social media such as Facebook, diagrams and other internet networks that are connected to a wider range of consumers. Mandiri Store collaborates with Zalora, an online media sales market place that can be accessed globally. The aim of this research is to increase internet/online sales at the Mandiri Store, which has so far been less than optimal.
Hak Cipta (c) 2024 Nuriawati, Mohammad Hosen, Muhammad Rofek, Jodi Eriyanto, M. Shohib (Penulis) https://creativecommons.org/licenses/by-nc/4.0
SISTEM PENGELOLAAN USAHA KOPERASI SIMPAN PINJAM KOPPONTREN AL-MASHDUQIAH PATOKAN KRAKSAAN PROBOLINGGO
Based on the Decree of the Minister of State for Cooperatives and Small and Medium Enterprises of the Republic of Indonesia No.96/KKEP/M.KUKM/IX/2004 article (1) savings and loan cooperatives are cooperatives whose activities include savings and loan businesses carried out to collect funds and channel them through cooperative activities savings and Loan. The benchmark area, Kraksaan sub-district, Probolinggo district has a cooperative unit that operates in savings and loan programs. There are several types of things that the Kopontren al-Mashduqiah savings and loan cooperative unit can do, in the benchmark area, Kraksaan sub-district, Probolinggo district. These are SIJARI savings and loans () which are savings that can be withdrawn every day, TAJIROH (hajj and umrah savings) special savings for Hajj and Umrah and SAFITRI () savings that can only be withdrawn during Eid al-Fitr. Vehicle BPKB register in collaboration with Sikopdit Malang banking management. To apply for a loan, customers apply for a loan, then complete the requirements, then the cooperative department will survey the field, find out the person's character, look for information about the person, then the customer's ability to pay, and find out whether the business the customer is running can cover the loan. will be submitted, then the customer provides collateral, if in ACC, then the loan can be processed. However, this is different from businesses where the process is quite long, such as agriculture where the harvest period takes approximately 4-6 months, so the service is taken at the beginning because it is feared that the customer will forget to pay for the service. . This research aims to determine the development of the Al-Mashduqiah Kopontren savings and loan business in the last three years. This service method is field service.
Hak Cipta (c) 2024 Himami Firdausi, Yeni Fatur Rohmah, Raudhatul Jannah, Devi Amaliya Putri, Sonia Puspita Dewi (Penulis) https://creativecommons.org/licenses/by-nc/4.0
STRATEGI PEMASARAN SYARIAH PADA UMKM KULINER
This study aims to analyze the Islamic marketing strategy applied in the culinary MSME "Mie Pangsit" owned by Mr. H. Wahet in Randumerak Village, Paiton District, Probolinggo Regency. Using a descriptive qualitative approach, this research explores marketing practices, business management, and the implementation of Islamic business values in the daily operations of the enterprise. The findings reveal that the Islamic marketing strategy is reflected through honesty in transactions, responsibility for product quality, affordable pricing, and fair service delivery. The owner consistently practices spiritual values such as charity, almsgiving, and zakat, which contribute to the sustainability and blessing of the business. The implementation of Islamic business principles—such as honesty (sidq), trustworthiness (amanah), justice (‘adl), and benevolence (ihsan)—has strengthened consumer trust and improved long-term business resilience. The study concludes that integrating syariah values into marketing management can serve as an effective strategy to enhance the competitiveness of traditional culinary MSMEs.
Hak Cipta (c) 2023 Zainur Ridho, Abdul Mannan (Penulis) https://creativecommons.org/licenses/by-nc/4.0
EDUCATIONAL COSTING PLAN AS A STRATEGY FOR IMPROVING THE QUALITY OF EDUCATIONAL SERVICES
The Educational Costing Plan is a crucial financial planning for education that plays a significant role in realizing the quality of educational services in educational institutions. This is important to consider because the decision on cost estimation for all components of educational management in an educational institution will be well-thought-out, directed, and targeted to provide implemented services that continually improve in a cyclical manner. This research aims to find steps in planning cost estimation for all components of educational management, thereby serving as a strategy to enhance the quality of education services offered to the community in a specific manner. The research adopts a Systematic Literature Review (SLR) approach by using published research results from books, SINTA-indexed journals, or Scopus as the focus or references to be reviewed. The research findings indicate that cost planning can be a crucial strategy in improving the quality of educational services when implemented through steps such as using ESD as a reference for developing an Educational Financing Plan, formulating priority programs in education financing, analysing resources in school education financing, detailed recording of income and expenditure in RKAS, and planning the strengthening of work control systems and the use of educational cost.
Hak Cipta (c) 2023 Moh Rifa'i (Penulis); Ainul Yaqin (Penerjemah); Arif Maulana (Penulis) https://creativecommons.org/licenses/by-nc/4.0
STRATEGI PEMASARAN SYARIAH BAKSO MUSTOFA KRAKSAAN PROBOLINGGO
The business of being a meatball seller is one of the businesses engaged in fast food processing. This business is also a very popular food for the people of Indonesia. Therefore, I am interested in implementing a trader's marketing strategy to increase the level of welfare of the families of meatball traders in Kraksaan District, Probolinggo Regency. ), marketing strategy is a form of a directed plan in the field of marketing to obtain an optimal result, strategy and marketing from the point of view of the seller (4P) is a strategic place (place), quality product (product), competitive price (price) and vigorous promotion. First, at the beginning of making Pak Tapa's meatballs, he followed the recipe of his parents, who used to sell meatballs in the Kraksaan area. After that he tried to apply the knowledge he got from his parents about making meatballs himself and starting a business on January 10, 2010. Before starting a meatball business. Mr. Tapa once worked in a rice field in Kalibuntu, Kraksaan sub-district, Probolinggo Regency, but he was willing to leave his job due to opening and pursuing a meatball business, which his own parents had taught him from the start.
Hak Cipta (c) 2023 Abdul Choliq (Penulis) https://creativecommons.org/licenses/by-nc/4.0
IMPLEMENTASI SHARF (VALUTA ASING) DALAM PERSPEKTIF ISLAM PADA PERBANKAN SYARIAH
This study aims to determine the Islamic foreign exchange exchange system (Al-Sharf) in Islamic banks and the views of Islamic banks on foreign currency exchange contracts in accordance with the principles that apply in Islamic teachings (Sharia). This research is a type of library research by collecting various reference sources from several books and journals. The results of this study indicate that; shows that the practice of buying and selling foreign currency (Al-Sharf) according to mu'amalah fiqh is permissible if it is carried out on the basis of willingness between the two parties and in cash (spot) and it is not permissible to add goods of the same kind (gold with gold or silver). with silver). The involvement of Islamic Banks in the application of foreign exchange trading applications, banks are essentially an Intermediary Institution between savers and investors, and Islamic banks are no exception. However, Islamic banks must comply with Sharia provisions based on the Qur'an and Sunnah.
Hak Cipta (c) 2023 Shalsabila Azzahra, Mustofa (Penulis) https://creativecommons.org/licenses/by-nc/4.0
PENERAPAN ETIKA BISNIS ISLAM DALAM PENGELOLAAN UNIT USAHA PESANTREN AL-MASHDUQIAH TERHADAP KEMAJUAN BISNIS PESANTREN
This study aims to analyze the implementation of Islamic business ethics in managing business units at Pesantren Al-Mashduqiah. Islamic business ethics emphasize values such as honesty, justice, trustworthiness, and responsibility as the foundation of economic activities. This research uses a descriptive qualitative method with a case study approach through interviews and direct observation. The results indicate that integrating Islamic business ethics with pesantren business management enhances consumer trust, strengthens business sustainability, and provides positive social impacts for the surrounding community. Beyond its educational role, Pesantren Al-Mashduqiah has succeeded in developing economic independence through professionally managed and sharia-compliant business units. These findings confirm that applying Islamic business ethics can serve as an effective strategy for developing pesantren business units oriented toward blessing and communal well-being.
Hak Cipta (c) 2023 Robiyatul Adawiyah, Jayanti Riska (Penulis) https://creativecommons.org/licenses/by-nc/4.0
PENGUATAN EKOSISTEM INDUSTRI HALAL MELALUI PENGEMBANGAN SUMBER DAYA MANUSIA (SDM), RISET DAN PENGEMBANGAN (R&D)
The readiness of human resources (HR) through research and development (R&D) is an important component to strengthening the halal industry ecosystem so that it can compete on a global scale. This study aims to find out the constructive portrait of strengthening the halal industry ecosystem through human resource development, research and development (R&D) in Indonesia. This type of research is qualitative research which is a literature review (literature review). Sources of data come from secondary data obtained through articles, documentation books, the internet, as well as data published by institutions that have trusted credibility in Indonesia. Based on the search, there are four recommended strategies to strengthen the halal industry ecosystem through human resource development, research and development (R&D), namely: 1) Increasing the effectiveness and involvement of halal industry players in improving the quality of human resources, 2) Improving the quality and quantity of human resources in educational institutions based on sharia economy, 3) Construction of a halal center for the development of integrated halal industry, 4) Development of human resources and research-based regulatory framework for halal industrial products. The four main programs (quick-wins) that are suggested are, 1) an Accelerated HR certification program for those who will/are currently working in industries that are within the scope of Islamic economics, 2) an Accelerated curriculum standardization program for Islamic economic education institutions, especially at the undergraduate and graduate levels. vocational education, 3) the Creation of Islamic economic data centers and mapping of tertiary institutions that specialize in developing Islamic economic research, 4) Increasing the quality and quantity of halal industry research.
Hak Cipta (c) 2023 Handry Cahyopy (Penulis) https://creativecommons.org/licenses/by-nc/4.0
IMPLEMENTASI ETIKA BISNIS ISLAM PADA UMKM BURUNG PUYUH PETELUR DI DESA TRIBUNGAN KECAMATAN MANGARAN KABUPATEN SITUBONDO
The purpose of this study was to determine the application of business ethics in quail UMKM. The method used is a qualitative method with field studies. The results of the study show that the application seen from the principle of justice does not differentiate between other suppliers, the principle of honesty of quail egg scales according to weight and not reduced and added. The principle of freedom gives freedom to buy quail eggs. The principle of responsibility serves wholeheartedly and the principle of communication undergoes good and honest communication
Hak Cipta (c) 2023 Romzatul Widad (Penulis) https://creativecommons.org/licenses/by-nc/4.0
PENINGKATAN LAYANAN DALAM MENINGKATKAN MINAT BELI KONSUMEN DI IZZI BAKERY
This study aims to determine the effect of service quality on consumer buying interest at Izzi Bakery and identify other factors that influence consumer buying interest. This type of research uses qualitative methods. The data collection techniques used were observation, interviews, and data from documentation. The data analysis technique used secondary data, namely, interviews and direct observation. Based on the results of the interviews obtained indicate that the quality of service is very influential on consumer buying interest and Izzi Bakery has provided good service quality in accordance with the existing theory. Service quality has a positive and significant impact on the resilience of a business to continue to exist and increase the number of consumers every day to attract consumer buying interest.
Hak Cipta (c) 2023 Muharroroh Lihidmatiddinil Qowim (Penulis) https://creativecommons.org/licenses/by-nc/4.0
STRATEGI PEMASARAN DALAM MENINGKATKAN MINAT PEMBELI
The purpose of this study was to determine the strategy used at the Toko Rakhato increase sales in this business unit. The type of data source used in this study is primary where this primary data is obtained from the results of interviews conducted with the owner of the Counter Toko Rakha, the object in this study is the application of strategies to the Counter Toko Rakha, which aims to find out how the process progresses. and the implementation of the strategy implemented by Toko Rakha. Toko Rakhahas carried out various good strategies, also has a principle which does not want to be outdone by existing business units, so the strategies that are carried out are also very rarely carried out by other business units, and because this strategy makes Toko Rakha - Najah Store is growing and is in great demand by consumers. Strategy is a set of related activity plans to find out consumer needs and develop, promote, and set appropriate prices for products or services to achieve customer satisfaction and earn profits. The marketing strategy includes target consumers, advertising, promotion mix, and media determination.
Hak Cipta (c) 2023 Mufidatul Himmah (Penulis) https://creativecommons.org/licenses/by-nc/4.0
ANALISIS PENINGKATAN KESEJAHTERAAN EKONOMI MASYARAKAT PESISIR WISATA PANTAI DUTA
The main problem in this study is the increase in the economic welfare of the randu tata community with duta beach tourism. Since the presence of duta beach tourism. Researchers are interested in researching this problem because it is felt that there is a need for an in-depth study of the economic welfare of the people around randu tata after the duta beach tour. The method used in this research is a qualitative method using a phenomenological approach. The technique used in collecting data is by direct field observation and careful research on the research object. The data analysis technique used is descriptive qualitative analysis, the data processing process goes through three stages namely data reduction, data presentation and verification or drawing conclusions. Improving little by little. And the surrounding community is very happy with duta beach tourism, because their income is increasing.
Hak Cipta (c) 2023 Jazuli (Penulis) https://creativecommons.org/licenses/by-nc/4.0
ANALISIS PERILAKU KONSUMTIF PADA MAHASISWA
The purpose of this study is to find out and analyze how the consumptive behavior of students and Islamic views are related to recommended consumptive behavior. In this study using a qualitative approach method by distributing assessment questionnaires containing several questions according to consumptive indicators and conducting interviews to obtain data from research target students. The results of the data will be presented which will be concluded by the author. The results of this study, it was found that Indonesian University of Education Telecommunications System Students from class 2019-2022 are not consumptive and implement the recommendations of the Qur'an and scholars by being consumers who are not excessive or extravagant in shopping, but are consumers who are simple and prioritize dharuriyah needs or basic needs.
Hak Cipta (c) 2023 Annisa Amalia, Hana Suraya Khairunnisa, Nadiah Indrianti, Hisny Fajrussalam, Ossi Marga Ramadhan (Penulis) https://creativecommons.org/licenses/by-nc/4.0