Vol. 8 No. 2 (2025): Al Musthofa: Journal of Sharia Economics

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keberlanjutan usaha mustahik pada program pemberdayaan ekonomi BAZNAS Kota Makassar. Penelitian ini merupakan penelitian kuantitatif dengan pendekatan asosiatif. Populasi terdiri dari 212 mustahik penerima bantuan modal usaha, dan sebanyak 68 responden dipilih menggunakan teknik purposive sampling berdasarkan kriteria tertentu. Data dikumpulkan melalui kuesioner skala Likert yang disebarkan secara langsung dan melalui Google Form. Analisis data dilakukan dengan regresi linier berganda menggunakan SPSS 21. Hasil penelitian menunjukkan bahwa secara parsial, variabel karakteristik mustahik berpengaruh signifikan terhadap keberlanjutan usaha. Sementara itu, variabel modal yang diterima, etos kerja, dan komunikasi tidak berpengaruh positif signifikan secara individu. Namun secara simultan, keempat variabel tersebut berpengaruh signifikan terhadap keberlanjutan usaha mustahik. Temuan ini menegaskan bahwa keberlanjutan usaha tidak hanya ditentukan oleh faktor eksternal, melainkan sangat dipengaruhi oleh faktor internal mustahik. Oleh karena itu, program pemberdayaan perlu disertai dengan pembinaan karakter dan kapasitas mustahik untuk mendorong kemandirian usaha secara berkelanjutan.

This article aims to explain how visual content not only influences brand perception, but also demands ethical and aesthetic considerations in its implementation. This article was written using the library research method, or literature review, as the primary approach. A library research method involves gathering information from various written sources relevant to the topic. This method allows the author to gain a deep understanding of the topic under discussion by analyzing and synthesizing findings from existing literature. Through engaging, consistent, and ethical visual strategies, businesses can create effective communication with consumers and increase brand awareness, brand integrity, and customer loyalty. The importance of aesthetics in visual content not only serves to enhance visual appeal but also reinforces brand messaging and identity. Meanwhile, ethical aspects serve as a moral foundation for creating content that is nondeceptive, respects social values, and maintains brand integrity.

Customer satisfaction represents a personal assessment of how well a product or service meets predetermined expectations. This investigation seeks to analyze the impact of mobile banking collection services and ethical communication practices on member contentment at BMT NU East Java's Lenteng Branch. Employing quantitative methodology, the study engaged 100 carefully selected participants through targeted sampling techniques. Research data was gathered via survey instruments and processed using multivariate regression analysis with SPSS 26. The findings demonstrate that mobile collection services and communication standards positively and substantially affect member satisfaction, both individually and collectively. Subsequent studies might benefit from examining additional influential variables or incorporating qualitative and mixed-method designs, including in-depth interviews, to obtain more comprehensive insights into member perspectives

The development of Islamic banking in Indonesia has shown significant growth in terms of institutional expansion and regulatory support; however, its level of inclusion remains relatively lower than that of conventional banking. One of the key factors contributing to this condition is the limited level of Islamic financial literacy among the public. This study aims to analyze the role of Islamic financial education in shaping financial behavior and its implications for enhancing Islamic banking inclusion in Indonesia. This research employs a descriptive qualitative approach using document-based analysis of policy reports, regulations, and relevant national and international academic literature. Data were analyzed through thematic qualitative analysis to identify the relationships between Islamic financial education, financial literacy, financial behavior, and Islamic banking inclusion. The findings indicate that Islamic financial education plays a fundamental role in improving Islamic financial literacy and fostering financial behavior aligned with Sharia principles. Such behavioral changes contribute to increased public participation in utilizing Islamic banking services. This study emphasizes that the enhancement of Islamic banking inclusion should be understood as a continuous socio-educational process rather than merely an issue of financial access.

The legal view on gold savings from the perspective of DSN-MUI and Shaykh Wahbah Zuhayli has basic similarities, namely from the nash hadith, but differs in the legal istinbat on the nas. This research aims to uncover the legal review of gold investment from the perspective of DSN-MUI and Shaykh Wahbah Zuhayli. The research uses qualitative methods and data collection uses documentation techniques to be further analyzed descriptively -critically on the arguments of both parties about gold investment. This research shows the view of MUI that it allows gold investment with istidlal that in the current context gold has changed not as a means of transaction but has been transformed as sil'ah (valuable goods). Meanwhile, according to Wahbah Zuhaili, it is the view that gold savings should not be based on the textual understanding of the hadith because gold is a usury item.

The determination of profit margins in murābaḥah contracts within Islamic financial institutions often raises ethical concerns due to its similarity to conventional interest, potentially conflicting with the maqāṣid al-sharī‘ah principle of justice. This study applies the uṣūl al-fiqh principle of sadd adz-żarā’i‘ (blocking the means to harm) to establish fair criteria for ghabn fāḥisy (excessive gain) in murābaḥah pricing. Using a qualitative library research method, it examines classical Mālikī and Ḥanbalī sources supporting sadd adz-żarā’i‘. Findings reveal that exploitative margins act as a strong żarī‘ah leading to ribā, making the application of sadd adz-żarā’i‘ obligatory. Hence, the threshold for ghabn fāḥisy should rely on equitable ‘urf tijārī (market custom) and real operational costs, ensuring murābaḥah remains just and consistent with ḥifẓ al-māl (protection of wealth).

The rapid growth of digital marketplaces demands assurance of product halalness for Muslim consumers. However, many products on platforms such as Shopee still lack clear information regarding their halal status. This study aims to analyze the guarantee of halal products in marketplaces and Shopee’s policy related to the transparency of digital halal certification. This research employs a normative juridical method using library research, focusing on legal regulations and Shopee’s internal policies. The findings indicate that halal product assurance represents a form of legal protection for Muslim consumers, in line with the principles of honesty (shidq) and responsibility (amanah). Shopee has not yet implemented a specific verification mechanism for digital halal certificates, making transparency of halal information an urgent necessity to ensure Muslim consumer protection in the era of electronic commerce.

This study aims to analyze consumer interest in gold installment products at Bank Muamalat KCP Lamongan. This product is one of the sharia financing services that provides convenience to the public in owning gold gradually. Consumer interest is an important initial indicator in determining the potential success of a product, especially in the context of sharia finance. This study uses a qualitative descriptive approach with data collection techniques through literature studies, observations and interviews with customers and banks directly involved in gold installment services.The results of the study indicate that consumer interest is quite high, which is influenced by factors of ease of service, sharia principles used, and bank marketing strategies. However, there are still obstacles such as the unavailability of gold financing in cash and the lack of public literacy in gold installment financing which results in a lack of information received. This study suggests the need to increase education and product promotion in order to reach and be able to fulfill the needs of the community.

The global climate crisis requires multi-stakeholder collaboration and resource allocation, including optimizing zakat for environmental sustainability. The aim of this research is to analyze the Green Zakat Framework released by Badan Amil Zakat Nasional (BAZNAS), Bank Syariah Indonesia (BSI), the United Nations Development Programme (UNDP), and IPB University. This research is a literature review using a descriptive-analytical approach. The results demonstrate that the integration of ecotheology and maqasid sharia serves as a legitimate basis for developing green zakat governance in Indonesia, which is not only viewed as a socio-economic obligation but also has an environmental sustainability dimension. Its implementation is translated into four pillars of zakat governance: collection, management, distribution, and reporting, oriented towards hifz al-bi'ah (environmental protection) and the achievement of the sustainable development goals (SDGs).

This study aims to systematically assess the conformity of th fatwa’s norms with the principles of maqāṣid al-sharī‘ah and to analyze the views of Imam al-Ghazali and Imam al-Shāṭhibī as the epistemological foundations of the concept of maṣlaḥah. The research employs a qualitative approach using a literature study method involving the fatwa text, fiqh mu‘āmalah literature, the thoughts of Imam al-Ghazali and Imam al-Shāṭhibī, books, journal articles, and studies related to hajj fund management, maqāṣid al-sharī‘ah, and Islamic public economics. Data analysis is conducted using the maqāṣid al-sharī‘ah framework. The findings indicate that DSN-MUI Fatwa No. 122/2018 on Hajj Fund Management aligns with maqāṣid al-sharī‘ah, particularly in terms of ḥifẓ al-māl, trustworthiness (amānah), and public welfare (maṣlaḥah ‘āmmah). Al-Ghazali’s perspective emphasizes the prevention of potential harm, usury (ribā), and uncertainty (gharar), while al-Shāṭhibī underscores the balance between individual and collective welfare within the framework of ḍarūriyyāt–ḥājiyyāt–taḥsīniyyāt. This study provides a maqāṣid-based understanding by linking it to the analysis of contemporary fatwas. It is expected to offer recommendations for strengthening hajj fund governance to make it more trustworthy, transparent, and oriented toward the long-term welfare of pilgrims.

The purpose of this study is to analyze the practice of melon buying and selling using the tebasan system in Sendangharjo Village, Brondong District, Lamongan Regency, from an Islamic economic perspective. The study used a qualitative field approach using observation, interviews, and documentation techniques. The results indicate that the tebasan system is a hereditary tradition considered practical and makes it easier for farmers to sell their crops. The transaction process is carried out through price negotiations based on land area, quantity, and quality of fruit. From an Islamic economic perspective, this practice is legitimate because it fulfills the pillars and requirements of buying and selling, and reflects the principles of justice, willingness, responsibility, and freedom from usury and gharar. However, the greater profits tend to be obtained by the person who cuts the fruit. This study confirms that the tebasan system is acceptable as long as it is implemented honestly, fairly, and transparently in accordance with sharia principles.

Branding is a strategic process of creating and maintaining a positive identity and image of a tourism destination to differentiate it from others and enhance perceived value among visitors. In tourism development, branding is closely related to tourist attractions, including natural uniqueness, cultural diversity, comfort, and memorable travel experiences. Camplong Beach, a coastal tourism destination in Sampang Regency, has significant potential due to its scenic blue sea, natural landscape, and distinctive Madurese culinary offerings. This study aims to examine the tourist attractions of Camplong Beach in increasing visitor numbers and to analyze branding strategies applied to enhance tourist visits. A qualitative descriptive approach was employed using in-depth interviews, field observations, and documentation as data collection techniques. Data were analyzed through data reduction, data presentation, conclusion drawing, and triangulation to ensure validity. The findings indicate that the main attractions of Camplong Beach include natural beauty, local cuisine, supporting facilities, and strategic accessibility. Branding strategies involving visual identity, brand image, brand message, tourist experience, and tourism products have successfully shaped positive perceptions and significantly contributed to increasing tourist interest and visitation.

This study aims to analyze the potential and challenges of developing Micro, Small, and Medium Enterprises (MSMEs) around the Sunan Sendang Religious Tourism area in Sendangduwur Village, Paciran District, Lamongan Regency, based on sharia values. The research approach used is descriptive qualitative with a case study method, through interviews, observations, and documentation of MSME actors, tourism managers, and the village government. The results of the study indicate that the potential of religious tourism contributes significantly to increasing community income through trade, transportation services, and craft products. However, the development of MSMEs still faces major obstacles such as limited capital, low innovation, and limited access to training and business digitalization. Comparative analysis with other religious tourism locations such as Sunan Drajat and Syaikhona Kholil shows that the success of MSME development is greatly influenced by institutional synergy and the application of Sharia principles. This study concludes that strategies for strengthening MSMEs need to be directed at collaboration between stakeholders, strengthening Islamic business ethics, and digital innovation based on values ​​of justice and the welfare of the community.

Penelitian ini bertujuan untuk mendeskripsikan strategi pemasaran yang
diterapkan Bank Syariah Indonesia (BSI) KCP Lamongan dalam meningkatkan
produk gadai emas serta menilai efektivitasnya. Metode penelitian yang digunakan
adalah pendekatan kualitatif dengan jenis studi kasus. Data diperoleh melalui
observasi, wawancara, dan dokumentasi, kemudian dianalisis dengan tahapan
pengumpulan data, reduksi data, penyajian data, serta penarikan kesimpulan. Hasil
penelitian menunjukkan bahwa BSI KCP Lamongan menerapkan strategi pemasaran
melalui segmentasi, targeting, positioning (STP), dan bauran pemasaran (produk,
harga, tempat, promosi). Strategi unggulannya adalah harga ujrah yang relatif
murah, proses transaksi cepat dan mudah, lokasi strategis, serta promosi aktif
melalui media sosial, brosur, dan kerjasama dengan agen. Efektivitas strategi dinilai
cukup tinggi, terbukti dari meningkatnya jumlah nasabah dan volume transaksi
gadai emas setiap tahunnya.