Al-Musthofa: Journal of Sharia Economics 2022-06-30T02:42:52+00:00 Al-Musthofa Journal Editorial Team Open Journal Systems <p>This journal contains writings of research results or theoretical studies related to sharia economics, sharia finance and sharia banking.This journal is published by the Faculty of Economics and Islamic Business IAI Tarbiyatut Tholabah Lamongan.&nbsp;This journal is published in 2 (two) editions every year, June and Desember editions.</p> <p><strong>Print ISSN: </strong><a href="">2622-1977</a></p> <p><strong>Online ISSN: </strong><span style="font-size: small;"><a href=""><span style="font-family: helvetica;"><span style="font-family: helvetica;">2654-7228 </span></span></a></span><strong><br></strong></p> POTENSI WAKAF UANG DIGITAL (FINANCIAL TECHNOLOGI SYARIAH) DALAM MEMBANGUN KESEJAHTERAAN EKONOMI MASYARAKAT 2022-06-30T02:17:27+00:00 A.Fahmi Zakariya Nur Hidayatul Istiqomah Bayu Aji <p><em>Cash waqf has played an important role as one of the new Islamic fiscal instruments in the economy. Cash waqf has two functions as a means of worship and the achievement of social welfare. Returns from cash waqf management can be used as an instrument in poverty alleviation programs through the social security system. The social security system using cash waqf will be able to help poverty alleviation programs carried out by the government through community empowerment programs. This study aims to determine the potential aspects of financial technology related to waqf in finding cash waqf in Indonesia. Cash waqf in Indonesia is very potential, if all aspects are maximized, including technological tools in socializing the urgency and benefits of waqf for economic, social and religious progress of the community. The method used in this paper uses a qualitative method with a literature approach that uses supporting data that is analyzed descriptively. The findings in this study explain the opportunities for digital cash waqf in the progress of the revaluation of industry 4.0 in Indonesia. The spirit of the Muslim community in conducting cash waqf must be managed with technological conveniences. The existence of digital cash waqf through Fintech can make it easier for waqf to do money waqf, so from this facility the potential for cash waqf can be collected and and can be managed for productive waqf activities in building community welfare.</em></p> 2022-06-30T00:00:00+00:00 Copyright (c) DAMPAK PANDEMI COVID-19 TERHADAP PENDAPATAN PETANI LEGEN DI DUSUN SEBERO DESA DALEGAN PANCENG GRESIK 2022-06-30T02:22:24+00:00 Nur Sa’idaturrohmah Lailatul Khofifah <p><em>The agricultural sector is one of the sectors most affected by the Covid 19 pandemic. The spread of the disease is very fast, it is not yet known when it will end. From 2019 to 2021 it's not just over with this pandemic problem. What's more, legen farmer have lost up to 70% of their income. The purpose of this study was to find out the impact of the Covid-19 pandemic on the income level of legen farmers in Sebero hamlet before and during the pandemic.</em></p> 2022-06-30T00:00:00+00:00 Copyright (c) IMPACT PENGEMBANGAN BISNIS UNIT JASA BOGA TERHADAP EFEKTIFITAS PENGELOLAAN DAN PENGEMBANGAN PONDOK PESANTREN 2022-06-30T02:28:14+00:00 Shofiyul Fajar Muhammad Ashlihah <p><em>This study aims to determine the impact of the business development of the catering service unit on the effectiveness of the management and development of the Bahrul Ulum Putra Islamic boarding school. As well as providing knowledge of what can be imitated from the business, so that it can be used and applied to Islamic boarding schools or other institutions. The type of approach used by the author in this research is to use field research (filed research) using a qualitative approach. Field research is research that is carried out by going directly to find and dig up data in the field. The results obtained in this study are, the Catering Service Unit managed by the Bahrul Ulum Islamic Boarding School can have an impact on; ensuring the quality of food provided to students, increasing the number of students, increasing the level of trust of guardians of students to Islamic boarding schools, the existence of business units that can provide additional financial income at Islamic boarding schools.</em></p> 2022-06-30T00:00:00+00:00 Copyright (c) TRADISI PENYEWAAN MOBIL GADAI DI DESA LEBBEK KECAMATAN PAKONG KABUPATEN PAMEKASAN DALAM BINGKAI FIQIH MUAMALAH 2022-06-30T02:34:44+00:00 Laily Anggraini Khoirun Nasik <p><em>Rahn is a debt agreement by holding goods as collateral. Pawn transactions have been going on for a long time starting from the time of the Prophet. As for the problems that occurred, murtahin took advantage of marhūn by renting it out to a third party without the knowledge of rāhin. This study aims to determine the practice of renting pawn cars that occur in Lebbek Village and a review of fiqh muamalah on car rentals that occur in Lebbek Village, Pakong District, Pamekasan Regency. The method taken by the author is a qualitative method located in Lebbek Village. The source of the data obtained in this study was through direct interviews with the community in Lebbek Village. In the system of leasing the pawned goods, the murtahin utilizes the pawned goods by leasing it to a third party or musta'jir and takes full advantage of the proceeds of the pawn car rental without the knowledge of rāhin. fiqh muamalah the practice of renting a car that occurred in Lebbek Village is not legal because the murtahin has been negligent and deliberately handed over the mandate that he must guard to other parties in order to get more profit. In addition, he has leased goods that are not his property and there is no agreement between the parties and this is not in accordance with the conditions in the ijarah.</em></p> 2022-06-30T00:00:00+00:00 Copyright (c) KOLABORASI PERBANKAN SYARIAH DAN BAITUL MAAL WAT TAMWIL (BMT) DALAM PEMBERDAYAAN UMKM 2022-06-30T02:42:08+00:00 Detri Sulisnaningsih Chrisna Aji Ferdian Utomo Salsabilla Kirana Ramadanie <p><em>Baitul Maal wat Tamwil (BMT) is one of the Islamic microfinance institutions. Existence of BMT is expected to contribute to the development of the real economy such as micro, small and medium enterprises (MSMEs), especially for businesses that do not meet all the requirements to obtain financing from Islamic banking institutions. But there are many obstacles that become barriers to BMT in order to empower the real sector, one of which is the lack of funding so that the necessary support from other parties particularly Islamic banking. Islamic banking in particular bank synergy with BMT in optimizing the real economy can be reached by a strategy in which the Islamic bank linkage program can issue indirectly financing the real sector through BMT so that the Islamic banking market penetration could reach the wider community and beneficial to growth in assets and profits while for BMT cooperation with Islamic banks will provide additional sources of funds for financing offered BMT thus also greater, which would also result in increased revenue BMT.</em></p> 2022-06-30T00:00:00+00:00 Copyright (c)