ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM
Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam was published twice a year in June and December by the Faculty of Sharia and Islamic Economics of IAIN Syaikh Abdurrahman Siddik Bangka Belitung. The scope of Islamic sciences in this journal is Islamic law and Islamic civil law, while the scope of Islamic banking is related to banking and sharia compliance. This journal ISSN 2089-7227 (print) and 2598-8522 (electronic).
FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG
CONCEPTUAL FRAMEWORK OF ISLAMIC MOBILE BANKING USER LOYALTY: INTEGRATION OF ISLAMIC DIGITAL SERVICE QUALITY, CUSTOMER TRUST, AND PERCEPTION OF SHARIA COMPLIANCE
Digital transformation has changed the pattern of public interaction with banking services, including in the Islamic banking sector, which increasingly relies on mobile banking as the primary means of customer transactions. This study aims to conceptually analyze the role of Islamic digital service quality, customer trust, and perceptions of Sharia compliance in shaping the loyalty of Islamic mobile banking users. This study uses a qualitative approach through a conceptual literature review, examining various previous studies, digital banking theories, and relevant Islamic economic principles. This approach was used to understand how the integration of digital technology innovation and Sharia values ​​can influence long-term relationships between customers and Sharia banking institutions. The study results indicate that the quality of digital technology, ease of use of applications, and transaction security systems are important factors in improving the user experience of Sharia mobile banking services. However, customer loyalty is not only shaped by the quality of technology alone but is also influenced by the level of trust in the banking institution and the perception of the consistency of the application of Sharia principles. Transparency, honesty, and a commitment to Islamic ethical values ​​are elements that strengthen emotional bonds and customer trust. Therefore, the development of Sharia mobile banking services requires integrating technological innovation with the consistent application of Sharia values ​​to create sustainable customer loyalty within the digital banking ecosystem.
Copyright (c) 2026 Abdul Aziz, M. Zazili Mustofa, Abd. Rahim Arsyad, Nopa Tulhasanah http://creativecommons.org/licenses/by-sa/4.0
DYNAMICS OF DIVORCE LAWSUITS IN BUKIT INTAN DISTRICT PANGKALPINANG CITY (EMPIRICAL JURIDICAL STUDY)
The high level of divorce lawsuits filed by the wife to the judge at the Pangkalpinang Religious Court Class 1A is a big question and as the subject of the researcher's study. The problem of this research is to find out how to analyze the divorce procedure in the Pangkalpinang Religious Court Class 1A and to find out the factors that affect divorce in Pangkalpinang City. Bukit Intan District is the main focus of this study, being one of the areas that has a high divorce rate so researchers are interested in studying it more deeply. This research is a qualitative descriptive research using a Juridi-Empirical approach and is field research. The source of this research is primary data obtained from observations and interviews with judges at the Pangkalpinang Religious Court Class 1A and the parties who filed for divorce. Analysis of the Causes of High Divorce Lawsuits at the Pangkalpinang Religious Court Class 1A, shows that the divorce procedure for the plaintiff at the Pangkalpinang Religious Court Class 1A is that the plaintiff files a divorce lawsuit to the Religious Court, then the plaintiff and the defendant are summoned by the Religious Court to attend the trial, in the first stage the Religious Court checks the completeness of the parties' files for the trial followed by the trial process and there is a mediation stage in the beginning of the trial process. It ends with a court decision and the issuance of a divorce certificate. The high number of divorce lawsuits in Bukit Intan District is caused by several factors of problems in the household such as economic factors, online gambling factors, third person factors and the highest reason is the factor of continuous disputes and quarrels. Tingginya cerai gugat yang diajukan oleh istri kepada hakim di Pengadilan Agama Pangkalpinang Kelas 1A menjadi pertanyaan besar dan sebagai bahan kajian peneliti. Permasalahan penelitian ini ialah untuk mengetahui bagaimana analisis prosedur cerai gugat di Pengadilan Agama Pangkalpinang Kelas 1A serta untuk mengetahui faktor-faktor yang mempengaruhi perceraian di Kota Pangkalpinang. Kecamatan Bukit Intan menjadi fokus utama pada penelitian ini, menjadi salah satu daerah yang miliki tingkat cerai gugat yang tinggi sehingga peneliti tertarik untuk mengkajinya lebih dalam. Penelitian ini merupakan penelitian deskriptif kualitatif dengan menggunakan pendekatan Yuridis-Empiris dan bersifat penelitian lapangan (field research). Sumber dari penelitian ini yaitu data primer yang diperoleh dari observasi dan wawancara dengan hakim di Pengadilan Agama Pangkalpinang Kelas 1A dan pihak yang mengajukan cerai gugat. Kemudian dilengkapi dengan data sekunder yang mendukung penelitian ini. Analisis Penyebab Tingginya Cerai Gugat Di Pengadilan Agama Pangkal Pinang Kelas 1A, menunjukkan bahwa prosedur cerai gugat di Pengadilan Agama Pangkalpinang Kelas 1A ialah penggugat mengajukan gugatan perceraian ke Pengadilan Agama, kemudian penggugat dan tergugat di panggil oleh Pengadilan Agama untuk menghadiri persidangan, pada tahapan pertama pihak Pengadilan Agama memeriksa kelengkapan berkas para pihak untuk persidangan dilanjutkan dengan proses persidangan dan terdapat tahap mediasi di awal proses persidangan tersebut. Berakhirnya dengan putusan pengadilan dan diterbitkannya akta cerai. Adapun tingginya angka cerai gugat di Kecamatan Bukit Intan disebabkan oleh beberapa faktor masalah dalam rumah tangga seperti faktor ekonomi, faktor judi online, faktor orang ke tiga dan yang menjadi alasan tertinggi ialah faktor perselisihan dan pertengkaran terus menerus.
Copyright (c) 2025 Rendi Hardiansyah, Darmiko Suhendra, Reski Anwar http://creativecommons.org/licenses/by-sa/4.0
THE EVIDENTIARY POWER OF ELECTRONIC DOCUMENTS AS AN EXTENSION OF LEGAL EVIDENCE ACCORDING TO ELECTRONIC INFORMATION AND TRANSACTIONS LAW (UU ITE)
The development of information technology has changed the method of proof in criminal law, especially regarding electronic evidence. In the Indonesian criminal justice system, electronic evidence is now recognized as a type of valid evidence, as regulated by Law no. 11 of 2008 concerning Electronic Information and Transactions which has been amended by Law no. 19 of 2016. However, the use of electronic evidence in criminal cases still experiences various difficulties, including in terms of validity, authenticity and effectiveness of evidence before a judge. The aim of this research is to legally analyze the validity of electronic evidence in criminal cases, including the legal basis underlying it, its position in the evidence system, and the challenges faced in practice in court. The methodology used is a normative approach by examining relevant regulations, court decisions and legal theory. Research findings show that electronic evidence has legal force equivalent to other conventional evidence, as described in Article 184 of the Criminal Procedure Code. However, its validity is greatly influenced by the validity of the collection process and the authentication carried out on the electronic document. In addition, there are still differences in understanding regarding its application between law enforcement officials and the courts, which can have an impact on the effectiveness of electronic evidence in proving criminal acts. Therefore, efforts are needed to harmonize regulations and increase the knowledge of law enforcement officers regarding digital technology so that electronic evidence can be utilized optimally in the criminal justice process.
Electronic Evidence, Evidence, Criminal Cases, Criminal Procedure Law, ITE Law
Copyright (c) 2024 Sonia Ramadani, Reski Anwar, Nagia Duwi Safitri http://creativecommons.org/licenses/by-sa/4.0
COMMUNITY SERVICE AS A FOUNDATION FOR SUSTAINABLE HALAL TOURISM: A SYSTEMATIC LITERATURE REVIEW
This research is in response to the lack of extensive mapping on community empowerment models, trends and strategic implications towards sustainable halal tourism development. The objectives of this study are (1) to determine the successful community services that empower halal tourism communities, and (2) examine the economic, social, and cultural implications of integrating these community activities. The methodology used for this study is the Systematic Review of Literature PRISMA protocol. Out of the Scopus (30 articles) and Semantic Scholar (27 articles) databases, 57 prospective publications were chosen. After rigorous selection based on inclusion-exclusion criteria, 15 papers were further analyzed via thematic analysis and network visualization using VOSviewer. The findings indicate a number of clusters of main study themes; (1) institutional/regulatory issue, marketing and local case studies, MSMEs integration and function of tourism awareness group (Pokdarwis). Relevant empowerment programs covering ABCD (Asset Based Community Development) training, support of MSMEs halal certification, Sharia homestay management and digital literacy. The impacts included improvements in the local economy, social capital strengthening, culture conservation and increased capacity and confidence at the community level. The research concluded that community empowerment programmes are the fundamental foundation, not just a complement for creating authentic, competitive and sustainable halal tourism. This article suggests: (1) programs to empower the deprived have to be contextual, participatory, and technology based; (2) research in the future needs to expand the base of data analysis concerning empowerment programs and set up some quantitative scales for longitudinal study on program effects.
Copyright (c) 2025 Hendra Cipta, Al Fakhri Zakirman, Musa, Khoirina Ulfa, Siti Rohanah http://creativecommons.org/licenses/by-sa/4.0
SHARIA TICKETING IN WEST NUSA TENGGARA FROM THE PERSPECTIVE OF SIYASAH SYAR'IYYAH: IMPLEMENTATION ANALYSIS, FORMULATION PROBLEMS, AND LEGAL INTEGRATION PROSPECTS
The experiment with sharia ticketing by the Central Lombok Police during Ramadan 1446 H presents an important phenomenon in the dynamics of sharia-positive law integration in Indonesia. This policy reflects the emergence of religious-based legal innovation at the local level, while also sparking debates about the limits of state authority, the scope for sharia interpretation in public law, and the position of West Nusa Tenggara (NTB) in the national map of legal pluralism. Theoretically, sharia ticketing demonstrates how siyasah sharia is used to legitimize public policy, but it intersects with issues of formal legality, the principle of legal certainty, and harmonization with national laws. This study aims to analyze the implementation of sharia ticketing, identify problems in its policy formulation, and assess the prospects for its integration into the national legal system. The method used is a qualitative, normative-empirical approach through a case study of the Central Lombok Police, with primary data from interviews with officers, religious leaders, and the community, as well as secondary data in the form of regulations and literature on siyasah sharia. The research findings indicate that Sharia ticketing operates as a cultural innovation, but faces a lack of legal basis, procedural ambiguity, and institutional resistance. This study concludes that the integration of Sharia ticketing is only possible through the formulation of norms compatible with national law and recommends strengthening the regulatory framework based on local wisdom while remaining subject to the principles of the rule of law.
sharia ticketing; siyasah syar'iyyah; legal pluralism; islamic legal policy; West Nusa Tenggara
Copyright (c) 2025 Muhammad Nur, Iffah Munifah ZM, Zulfikar Labib EY http://creativecommons.org/licenses/by-sa/4.0
THE INFLUENCE OF PEER SUPPORT ON THE ENTREPRENEURIAL MINDSET OF STIBA AR RAAYAH STUDENTS
An entrepreneurial mindset is an essential element in shaping the entrepreneurial character of students, especially in the context of higher education based on Islamic values. This mindset encourages students to dare to take risks, think innovatively, and make business activities a means of self-actualisation and worship. This study aims to analyse the influence of peer support on the entrepreneurial mindset of female students of the Islamic Communication and Broadcasting Study Program, STIBA Ar Raayah, Sukabumi. Islamic entrepreneurship is an economic activity and a manifestation of worship based on ethics, justice, and spirituality. This study uses a quantitative approach with a survey method, and data analysis is carried out using Structural Equation Modelling (SEM) techniques based on Partial Least Squares (PLS). A total of 23 active female students in the fifth semester were made respondents. The analysis showed that peer support positively and significantly influenced entrepreneurial mindset, with a path coefficient of 0.792. These findings confirm the importance of a supportive social environment in shaping student entrepreneurial mindsets. This study recommends strengthening entrepreneurship programmes based on Islamic values through a collabourative approach between students in a higher education environment to create an ecosystem that supports the growth of Muslim entrepreneurs with competitiveness and integrity.
Copyright (c) 2025 Husnul Khatimah, Nuradi, Huryatul Muhafizhah, Najmah http://creativecommons.org/licenses/by-sa/4.0
ISLAMIC CAPITAL MARKET VOLATILITY: RESILIENCE OF SHARIA STOCK INDEX AMID RISING GLOBAL UNCERTAINTY
This study examines stock price dynamics amid increasing global economic uncertainty, compounded by geopolitical conflicts, bank interest rate policies, the pandemic, and financial crises, which have had a serious impact on the stability of a country's economy. In this context, the Islamic capital market has emerged as an alternative investment offering a safe haven amid global economic uncertainty. This study aims to analyze how global economic uncertainty affects stock price fluctuations in the Islamic capital market in ASEAN countries, as seen from the growth of the Islamic stock index. This study uses a qualitative approach based on a review of literature and empirical data. The results indicate that Islamic stocks can be affected by global economic uncertainty but are more resilient to external or internal factors related to usury, gambling, and uncertainty. Despite facing pressure from global market fluctuations, Islamic stocks still demonstrate growth potential, particularly in ASEAN countries with majority Muslim populations. The results of this study are expected to provide investors with insights for planning investment strategies as hedging instruments in accordance with sharia principles, while considering global economic conditions and a country's macroeconomy.
Copyright (c) 2025 Johan Dwi Sutikno, Adinda Agustinayu Rizkyaningrum, Binti Nur Asiyah http://creativecommons.org/licenses/by-sa/4.0
THE INFLUENCE OF FINANCIAL PERFORMANCE ON THE STABILITY OF ISLAMIC COMMERCIAL BANKS IN INDONESIA WITH GREEN BANKING AS A MODERATING VARIABLE
Financial performance in general is an important aspect in evaluating the financial stability of a bank. Banks involved in green banking activities tend to have a better reputation because they show concern for environmental issues. This study aims to analyze the effect of financial performance on the stability of Islamic banks with green banking as a moderating variable. The financial performance indicators used include the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Operating Expenses to Operating Income (OEOI), and Financing to Deposit Ratio (FDR). The population in this study consisted of 14 Islamic commercial banks. The sample selection used the nonprobability sampling method with a purposive sampling technique and obtained a sample of 10 Islamic commercial banks with a research period of 2020–2023, so that there were 40 research data. The analysis was carried out using panel data regression with the Random Effect Model (REM) approach and variable moderation tests using Moderated Regression Analysis (MRA) through the Eviews 12 program. The results showed that CAR had a significant positive effect on stability, FDR had a significant negative effect on stability, while NPF and OEOI had no effect on stability. Green banking weakens the influence of CAR and NPF on stability, strengthens the influence of FDR on stability, but does not moderate the influence of OEOI on stability. This shows that the role of green banking is quite good, but has not been able to improve all aspects of financial performance as a whole.
Keywords: Financial Performance; Stability; Green Banking; Islamic Commercial Banks
Copyright (c) 2025 Maya Karmila http://creativecommons.org/licenses/by-sa/4.0
MAQĀṢID AL-SHARĪ‘AH AND COPYRIGHT PROTECTION: A CRITICAL EXAMINATION OF COPYRIGHT REGULATION IN INDONESIA
This article examines the integration of Maqāṣid al-Sharī‘ah as a theoretical framework in the protection of Intellectual Property Rights (IPR), with particular reference to copyright, focusing on the alignment between Islamic Sharī‘ah values and Law No. 28 of 2014 on Copyright (the Copyright Act) in Indonesia. The central issue identified is the imbalance between the Western utilitarian approach to IPR, which prioritises individual rights, and the principle of collective maṣlaḥah in Maqāṣid al-Sharī‘ah, which often neglects ethical and communal dimensions such as the prevention of maḍarrah and the redistribution of wealth through zakat on intellectual property. This imbalance has contributed to weak law enforcement in the digital era and restricted public access to knowledge. The research adopts a normative legal methodology, employing both a statute-based and a conceptual approach. The analysis highlights the strengths of the Copyright Act in supporting ḥifẓ al-māl and ḥifẓ al-‘aql through the economic and moral rights of authors, as well as its fair use exceptions, which correspond with the principle of general maṣlaḥah. However, it also identifies weaknesses, including inadequate implementation, long-term monopolies, and insufficient integration of communal values, all of which conflict with the objectives of Sharī‘ah in promoting holistic welfare. The article concludes that Maqāṣid al-Sharī‘ah can strengthen the protection of IPR by recommending amendments to the Copyright Act, including the incorporation of zakat on intellectual property, the reinforcement of Collective Management Organisations, and the promotion of ethical education within society. These measures would contribute to the realisation of falāḥ both temporal and spiritual through a balanced approach to innovation, justice, and social welfare in Indonesia.
Copyright (c) 2025 Taura tiya, Taura Tiya http://creativecommons.org/licenses/by-sa/4.0
A LEGAL ANALYSIS OF LGBT MARRIAGE EFFORTS WITHIN THE CONTEXT OF PANCASILA
The research discusses how Pancasila, as the state philosophy, state ideology, and way of life of the Indonesian people, which was born from acculturation and formulation of the diversity of customs, culture, nobility, religion, and beliefs that already exist and are developing in Indonesia, is faced with LGBT propaganda that uses human rights pretext. Many times, LGBT propaganda has tried to find loopholes and opportunities to be accepted in Indonesian society; they have even tried to get recognition and validation of their marriage. However, until now, LGBT people have not found a space or a place in Indonesia. The aim of this research is to provide understanding to the Indonesian people, especially LGBT people, about the role of Pancasila in preventing them, even though they hide behind international human rights in the name of freedom of expression. This research is library research, where the data comes from writings in the form of books, journals, articles, news, and magazines. From the results of this research, it was found that LGBT people are trying to get a place and space, as well as recognition and validation for what they do. They argue in the name of freedom of expression because LGBT is considered human nature. With Pancasila's analysis of LGBT as the basis of the Republic of Indonesia, especially the first principle of Pancasila, which is "belief in One Almighty God," in the context of LGBT, it is very contrary to Godly values, where all religions that live in Indonesia reject the legality of LGBT in Indonesia. While the second principle of Pancasila is "Just and Civilized Humanity," in the context of LGBT (Lesbian, Gay, Bisexual, and Transgender), the approach to the perspective of the second principle, Pancasila, protects human rights but does not conflict with religious norms, especially Islamic law, as adherents of the majority of Muslims in Indonesia. Because in Islam, something that is considered good by religion is also good in human eyes, while something that is considered bad in human eyes is also bad in religious eyes. Goodness will produce a reward that will take every servant to His heaven; evil will make him angry and take him to hell.
Pancasila, religious norms, law, Islam, Indonesia, human rights, LGBT
Copyright (c) 2026 Miskari, Zaenuddin Hudi Prasojo, Muhammed Sahrin Haji Masri, Anny Izza http://creativecommons.org/licenses/by-sa/4.0
HUMAN CAPITAL EXCELLENCE : HUMAN RESOURCE INVESTMENT AND GOVERNANCE IN IMPROVING THE COMPETITIVENESS OF ISLAMIC BANKING EMPLOYEES
Islamic banking in Indonesia faces significant challenges in managing competitive human capital (HC), despite its rapid development in line with the growing awareness of Sharia-based finance. This study aims to analyze the effect of human capital investment, namely salary and training, on employee performance in Islamic commercial banks, and to examine the role of Good Corporate Governance (GCG) as a moderating variable. The research employs a quantitative approach using panel data from seven Islamic commercial banks over a ten-year period (2015–2024), analyzed with multiple regression and Moderated Regression Analysis (MRA) through EViews software. The results reveal that salary has a significant effect on employee performance, while training shows no significant impact. Furthermore, GCG significantly influences performance and strengthens the effect of salary on performance, but does not moderate the relationship between training and performance. These findings indicate that financial compensation supported by sound governance is a key factor in enhancing employee productivity and competitiveness, whereas the effectiveness of training still requires improvement in terms of planning and implementation. In conclusion, the application of GCG principles is not only crucial as a governance instrument but also strategic in optimizing human capital investment aligned with Sharia values, thereby providing a foundation for managerial policies of Islamic banks as well as regulators to strengthen sustainability and competitive advantage in Indonesia’s Islamic banking sector.
Copyright (c) 2025 Sukmawati Sukmawati, Muhammad Syafii A. Basalamah, Ummu Kalsum, Ismawati Ismawati, Syaifuddin Syaifuddin http://creativecommons.org/licenses/by-sa/4.0
ECONOMIC POLICY OF QUEEN MAS JAINTAN: IMPLEMENTATION OF SHARIA PRINCIPLES IN MARITIME TRADE OF THE SUKADANA LANDAK KINGDOM
Penelitian ini bertujuan menganalisis penerapan prinsip ekonomi syariah dalam kebijakan perdagangan yang dilaksanakan Ratu Mas Jaintan di Kerajaan Sukadana Landak. Sosok ini dipilih karena dikenal sebagai “Ratu di Atas Angin”, sebuah julukan yang merepresentasikan kekuasaannya yang meluas tidak hanya di Sukadana Landak, tetapi juga ke kerajaan-kerajaan lain yang memiliki hubungan genealogis. Ratu Mas Jaintan digambarkan sebagai pemimpin tegas, berani, visioner, dan mampu mengelola sumber daya alam serta manusia sehingga berhasil membangun kemandirian dan stabilitas ekonomi kerajaan. Fokus penelitian diarahkan pada kebijakan perdagangan yang ia terapkan serta relevansinya dengan prinsip-prinsip ekonomi syariah. Metode yang digunakan adalah penelitian sejarah melalui studi pustaka dari sumber lokal maupun kolonial, dilanjutkan dengan penelitian lapangan di wilayah Landak, Ketapang, dan Sukadana. Peneliti juga melakukan wawancara untuk mengetahui sejauh mana masyarakat masih mengenal peran Ratu Mas Jaintan, kemudian melakukan kritik sumber serta focus group discussion dengan sejarawan dan pakar ekonomi syariah. Hasil penelitian menunjukkan bahwa kebijakan perdagangan Ratu Mas Jaintan menekankan asas saling menguntungkan, loyalitas, jaminan keamanan, dan persamaan. Implementasi nilai syariah terlihat pada kebebasan berdagang, transparansi, serta adanya kontrak berdasarkan kesepakatan. Secara teoretis, temuan ini memperkaya kajian integrasi nilai Islam dalam perdagangan tradisional Nusantara, sedangkan secara praktis dapat menjadi rujukan dalam perumusan kebijakan perdagangan modern berbasis kearifan lokal. Kebaruan penelitian ini terletak pada pengungkapan peran perempuan penguasa maritim yang berhasil menginternalisasikan nilai-nilai Islam dalam kebijakan ekonomi, memperluas pemahaman tentang sejarah ekonomi Islam di Asia Tenggara.
Copyright (c) 2025 Patmawati Patmawati, Fitri Susanti Ilyas, Raziki Waldan, Al Fakhri Zakirman http://creativecommons.org/licenses/by-sa/4.0
ANALYSIS OF THE LERNER INDEX OF THE HALAL FOOD INDUSTRY IN BANGKA BELITUNG FROM THE PERSPECTIVE OF IBN KHALDUN'S PRICE CONCEPT
The halal food industry in Bangka Belitung is a rapidly growing sector in line with the increasing awareness of Muslim consumers about the importance of halal products. This study aims to analyze the market power of halal food companies in the province using the Lerner Index, and to relate it to the price concept proposed by Ibn Khaldun. The method used is a quantitative approach by calculating the Lerner Index based on price and marginal cost data from 173 halal food companies. The research results show a variation in market power, where some companies have the ability to set prices above marginal cost, while others operate in a more competitive market. In Ibn Khaldun's perspective, excessively high prices due to market power can create injustice in the accessibility of halal products. These findings underscore the importance of policies that support healthy competition and fair pricing, to create a more equitable halal market in Bangka Belitung
Copyright (c) 2025 Eka Fitriyanti, Ayu Wulandari, Izma Fahria, Suud Sarim Karimullah http://creativecommons.org/licenses/by-sa/4.0
DIMENSIONS OF COLLABORATION AND ACADEMIC PRODUCTIVITY IN SHARIA BANK LOYALTY RESEARCH: BIBLIOMETRIC ANALYSIS 2010 – 2024
Customer loyalty to Islamic banks is one of the keys to sustainability for the Islamic banking industry, especially in strong competition facing conventional banks and financial technology (fintech) innovation. Nevertheless, literature regarding this topic has not been systematically mapped. Using a bibliometric approach, this study analyzes the publication trends, leading researchers, and collaboration patterns in Islamic bank customer loyalty studies. The Web of Science (WoS) is used to collect data and the keywords for customer loyalty and Islamic banks, and the time range of 2010 to 2024 is utilized for this study. Analysis using NVivo 12 and Voyant Tools (for network mapping and descriptive statistics) In the results of the study, 174 published documents were identified, where research articles predominated, a total of 156 articles. This publication trend has been on the rise, even peaking in 2023 with 30 publications. Indonesia and Malaysia stand out geographically as the leading contributors, mirroring the role of both countries as the strategic focal point of Islamic financial development. The most highly productive institutions are establishments such as Bandung State Polytechnic (Indonesia) and International Islamic University Malaysia (Malaysia). These findings offer an invaluable literature map so that further research and strategic ante-projects could be developed, of course with some added value for Islamic banking practitioners in its context of increasing customer loyalty. This study contributes to the academic knowledge with a bibliometric method, which is not widely used in the Islamic banking context.
Copyright (c) 2024 Hendra Cipta, Hatamar Hatamar, Khoirina Ulfa http://creativecommons.org/licenses/by-sa/4.0
BANKING MODEL AND MONETARY TRANSMISSION MECHANISM IN INDONESIA: ARE ISLAMIC BANKS MORE EFFECTIVE?
Economic growth, both global and national, is slowing down, prompting monetary authorities to issue effective monetary policies through credit lines to encourage economic growth. In the dual banking system where there are Islamic banks and conventional banks, it is a challenge for the monetary authorities to see the effectiveness of the two banks in transmitting monetary policy. To find out the difference in effectiveness levels, the researcher used quarterly data from Bank Indonesia interest rate variables, gross domestic product (GDP), Islamic bank financing, and conventional bank loans for the period 2014 to 2024. Using VAR-ECM analysis, it was found that Islamic banks have a lower response than conventional banks in transmitting monetary policy through credit channel. In addition, Syrian banks also have lower effectiveness than conventional banks in encouraging economic growth in Indonesia.
Copyright (c) 2025 ilhamdi ilhamdi, Luqman Luqman, Jati Kusuma Ali http://creativecommons.org/licenses/by-sa/4.0
THE THOUGHT OF SHEIKH MUHAMMAD ARSYAD AL-BANJARI: THE RELEVANCE OF PRODUCTIVE ZAKAT IN EMPOWERING THE ECONOMY OF SOCIETY IN INDONESIA
The thoughts of Muhammad Sheikh Arsyad Al-Banjari significantly contribute to the concept of productive zakat as a tool for community economic empowerment in Indonesia. In this context, zakat is viewed not only as a religious obligation but also as a strategic instrument for enhancing community welfare through providing capital for small and medium enterprises. This research aims to analyze Muhammad Sheikh Arsyad Al-Banjari's thoughts on community empowerment through productive zakat in Indonesia. The study falls under a qualitative descriptive cluster with a literature review; data collection is conducted by gathering previous research related to Muhammad Sheikh Arsyad Al-Banjari's thoughts and productive zakat. Data analysis is carried out through data condensation, data display, and drawing conclusions. The findings indicate that Muhammad Sheikh Arsyad Al-Banjari's thoughts on productive zakat offer a new perspective on economic empowerment in communities. The relevance of this concept is particularly important in the Indonesian context, which still faces various economic challenges. With appropriate implementation, productive zakat can not only be a solution to poverty but also promote community independence and sustainable welfare. Community empowerment through productive zakat is expected to enhance community economies, eradicate poverty, and foster community empowerment. However, the implementation of community empowerment through productive zakat in Indonesia faces obstacles, such as a lack of awareness and knowledge, as well as ineffective management and oversight. This is due to the community's mindset, which is not yet accustomed to productive zakat, as zakat management is typically consumptive or directly received by the community. Therefore, the concept of productive zakat is still not well understood, leading to a lack of trust in zakat managers.
Copyright (c) 2025 helly ummi http://creativecommons.org/licenses/by-sa/4.0
EFFECTIVENESS AND EFFICIENCY OF FINANCIAL MANAGEMENT OF VILLAGE-OWNED ENTERPRISES (BUMDes)
This research aims to analyze the effectiveness and efficiency of financial management in the Village-Owned Enterprise (BUMDes) "Berkah" in Ajakkang Village, Soppeng Riaja District, Barru Regency. Employing a qualitative approach, data was collected through observation, interviews, and documentation. The results indicate that BUMDes "Berkah" has successfully met community needs through three main business units: Farmers' Shop, Stationery Business, and Savings and Loans. The Farmers' Shop improves farmers' access to quality agricultural inputs at affordable prices, the Stationery Business fulfills educational and office needs of the community, while the Savings and Loans provides financial access with low interest rates. However, significant challenges remain, including lack of transparency and accountability in financial reporting, limited stock, and limited public understanding of financial services. To enhance effectiveness and efficiency, increased transparency, training for managers, and improved promotional strategies are recommended. This study concludes that with further refinement, BUMDes "Berkah" can serve as an effective model for village economic empowerment in Indonesia. Abstrak Penelitian ini bertujuan untuk menganalisis efektivitas dan efisiensi pengelolaan keuangan Badan Usaha Milik Desa (BUMDes) "Berkah" di Desa Ajakkang, Kecamatan Soppeng Riaja, Kabupaten Barru. Menggunakan pendekatan kualitatif, data dikumpulkan melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa BUMDes "Berkah" telah berhasil memenuhi kebutuhan masyarakat melalui tiga unit usaha utama: Toko Tani, Usaha ATK, dan Simpan Pinjam. Toko Tani meningkatkan aksesibilitas petani terhadap input pertanian berkualitas dengan harga terjangkau, Usaha ATK memenuhi kebutuhan pendidikan dan perkantoran masyarakat, sementara Simpan Pinjam menyediakan akses keuangan dengan bunga rendah. Meskipun demikian, tantangan signifikan masih dihadapi, termasuk kurangnya transparansi dan akuntabilitas dalam laporan keuangan, keterbatasan stok, dan pemahaman masyarakat yang terbatas tentang layanan keuangan. Untuk meningkatkan efektivitas dan efisiensi, disarankan adanya peningkatan transparansi, pelatihan bagi pengelola, dan strategi promosi yang lebih baik. Penelitian ini menyimpulkan bahwa dengan penyempurnaan lebih lanjut, BUMDes "Berkah" dapat menjadi model efektif untuk pemberdayaan ekonomi desa di Indonesia.
Copyright (c) 2025 Natila Angraeni, Musmulyadi Musmulyadi, Arwin Arwin, Rusnaena Rusnaena http://creativecommons.org/licenses/by-sa/4.0
Status Hukum Khamar dalam Perspektif Fiqh
The verse that talks about the prohibition of drinking khamar in the Alqur'an was gradually reduced in the midst of the ignorant Arab community who had the habit of drinking khamar, getting drunk and to change such conditions in a gradual manner. First, khamar and gambling contain major sins eventhough they contain benefits for humans, but the harm is greater than the benefits. Secondly, it was stated that they were not allowed to pray drunk Third, it is expressly stated that khamar is one of Devil's actions and therefore must be shunned. The scholars differed in defining this khamar. According to Imam Malik, Shafi'i and Ahmad what is meant by khamar is intoxicating drinks, whether or not called khamar. According to Imam Abu Hanifah, it was different from the drunken Khamar drink. But regardless of the definition of the substance is the same, that everything that is intoxicating is a little or a lot of things that are still forbidden. Thus it can be concluded that the prohibition of the khamar does not lie in drunkenness or not, but the location of the substance on the substance. In other words, drinking khamar even if it does not intoxicate the law remains unclean.
Islamic banks are banks whose products range from funding to financing. With more and more of these products, of course the risks faced by Islamic banks are also increasingly diverse. So, through this article will explain what risks are faced by conventional banking and Islamic banking. This article will also outline the risks faced by financing channeled by Islamic banks and how to implement risk management in Islamic banks to mitigate the risks they face.
Prinsip Kemashalahatan Umat dan Penghargaan Terhadap Hukum Dalam Bingkai Kesadaran Multikultur Kehidupan Beragama di Indonesia
Indonesia is a country inhabited by various tribes, races and religions. A long history of Indonesian nation with various ethnics make kind of multicultural religious which is brought lives phenomenon. Islam as the majority religion in Indonesia provides significant meaning in appreciating benefit and respecting the diversity religious of people in Indonesia. The concept of rahmatan lil Alamin is seeded according to the context in Indonesia. Thus, an inclusive understanding by collocated Islam as a progressive religion nowadays becomes a necessity to solve problems and the importance of a complex human beneficial. On the other hand, the necessity of multicultural awarenness of religious in Indonesia made this country as barometer of other country in appreciating a fair law to all the citizens, but when the diversity of this nation does not respect other religions, it will bother the religious‟ stability and national life in the country. Islam has given point of views in national life and taught how to respect other people who has different belief. So, people who has different belief should do the same to appreciate Islam. The history of the world has taught us about the importance of appreciate people and respect the law for the nation, then the nation will be a peaceful and prosperous country.
Diskursus Konsep Dan Prinsip Akad dalam Hukum Islam
Contract has an important role in the agreement and the engagement of either Islamic law or in the positive law. The existence of the contract with the Islamic principles would sustain the contract to the benefit and avoid deception and fraud between the parties. Islamic principles are based on permissible, voluntary, welfare and justice needs to be embedded in the Islamic contracts. If these principles are at parties, then the contract will not be a contract that is imperfect.
Pemikiran Ibnu Khaldun Tentang Mekanisme Pasar
Ibnu Khaldun is a thought-leader who is proficient in the various fields of study such as politics, social, philosophy, history, and economy. So, Ibnu Khaldun is known as one of the originators of economic theory and as the largest Muslim economists recognized by Western economists. Unlike previous scholars who had tendencies to be normative, Ibnu Khaldun used historical and social approach to understand economy of a nation. Ibnu Khaldun was very positive in comprehending economy. So, his ways of thinking will be very worthy to put forward in this paper, especially on market mechanisms. Market is a place where buyers and sellers meet and do transactions of buying and selling goods or services. The importance of market in Islam cannot be separated from the function of the market as a place for buying and selling activities. Sale and purchase itself has an important function, since buying and selling are parts of the economic activities which are "accredited" in Islam. Islam is very concerned with buying and selling as one of the economic fundamentals. It can be seen in Al-Baqarah 275 saying that "God justifies the purchase and forbids usury". The market mechanism is a system that determines the formation of prices, which is in the process can be influenced by many things: demand and supply, distribution, government policies, labor, money, taxes and security. In the process of market mechanisms requires the principles of morality, such as fair competition (fair play), honesty, transparency and justice.
Kerangka Dasar Penyusunan dan Penyajian Laporan Keuangan Syariah
Islamic transactions based on the basic paradigm that the universe was created by God as amanah (trust Divine) and means the joy of life for all mankind to prosper materially and spiritually intrinsic (Al-falah). The basic paradigm emphasizes every human activity has accountability and divine values that put the sharia and morals as parameters of good and bad, right and wrong with the business activity. Financial reporting is the structure and process of accounting that describes how the financial information provided and reported to achieve the goal of economic and social state
Inggris Sebagai Sentral Keuangan Islam di Barat
United Kingdom is a country that is predominantly by non-Muslim, but development of Islamic banking and finance is very good. This is evidenced by the operation of six full sharia bank and the sixteen banks that serve Islamic windows. Sukuk deals for investors is also growing as evidenced by the increasing demand on the London Stock Exchenge with a total of £51 billion. Likewise with takaful products, UK re/insurance markets that are transacting Islamic finance. As one of the largest insurance markets in the world, and the leading global centre for wholesale insurance and reinsurance, the UK has the potential to support the growth of takaful business in the coming years. The development of Islamic banking and finance did not escape from the multicultural population of the UK. From the research, UK residents both Muslims and non-Muslims showed 66% of respondents believe the Islamic financial system is suitable for western economic communities such as the UK. 65% of respondents understand the workings of Islamic banking differs from conventional banking workings. 60% of respondents agree Islamic banking relevant to all religions. 57% of respondents also knew of Islamic banking to give the profit, not the interest. This means that they responded positively to the products offered Islamic banking and finance. There are several factors that lead to Islamic banking and finance can be grown in the UK, there are: including the global expansion of Islamic financial, single banking and financial regulator, public policy and taxation, the establishment of the Islamic Bank of Britain, the excess liquidity in the Middle East, Islamic windows of regular banks, and the development of educational and training institutions in the UK. This paper will describe the history of Islamic banking and finance in the UK, its development, factors that support and the its future prospects for giving additional knowledge to the academics and practitioners.
Dream For Freedom (Perspektif Hukum Islam)
Based on the factual circumstances nowadays, many people tried to explore the short way to collect the treasures. Supported by the information Technology development made the spreading of any information and business growth easily. Direct selling, Multi Level Marketing, Online Business and Money Game have its upportunities. Dream for Freedom (D4F) with the Key as a symbol, is one of the money game business which growth successfully between years 2015 – 2016. Thousands of participants or members joined the community (known by the dream team). Spectacularly the founder recruited some of influence person, asked them to promote the business through their statements, pictures and videos. Islam as the belief of most people in Indonesia particularly has the guidance in business through the most principles rules, Al-Qur‟an and Hadith. Therefore the writer tried to explore the Dream for Freedom from Islamic Jurisprudence Perspective.
Strategi Manajemen Risiko Pembiayaan Murabahah Studi Kasus di BTN Syariah Yogyakarta
Awareness of the risks are well understood is an integral part of efforts to optimize the benefits of a business, especially in the business in the financial sector. The purpose of this study was to determine the risk management and strategies to deal with it in a murabaha financing in BTN Syariah Yogyakarta. Qualitative approach used in this study. While the data obtained through interviews, observation, and documentation. The results showed that the management of risk in murabahah financing in BTN Syariah Yogyakarta must be doing by minimize the risk that happening, either ona precontractand postcontract. Mitigation pre-contract is done in compliance with Standard Operating Procedureset of internal bank, do selecting to mudharib’s candidate, and feasibility analysis mudharib’s candidate. While mitigating the risk of post-contract is used a standard system with computer technology with sigma program
Peningkatan Profitabilitas Serta Pengaruh Dana Syirkah Temporer, Kewajiban dan Ekuitas dengan Variabel Risiko Pembiayaan Sebagai Antiseden (Studi pada Perbankan Syariah di Indonesia)
The purpose of this study is the effect of temporary syirkah funds, liabilities and equity of the financing risk and profitability of Islamic banks in Indonesia; analysis of effect financing risk on profitability. The population is Islamic bank in Indonesia. The sample was selected using purposive sampling method. Observation number 11 bank research. Method of data analysis used the path analysis. Results of this study indicate that the fund temporary syirkah positive significant effect on the risk of financing received. The more the amount of funds held temporary syirkah the risk of non-performing loans to finance or Islamic banks NPF indicator becomes smaller. Obligations positive significant effect on the risk of financing. The larger a bank's liabilities, the risk of non-performing loans to the financing or NPF indicator will also be greater. no significant effect on the risk of financing. This means that the level of equity had no impact on the level of financing risk. Fund temporary syirkah positive significant effect on profitability. Obligations positive significant effect on profitability. Debt obligations or received will indirectly increase the amount of income. Equity does not significantly influence the risk of financing. This means that the size of the equity has no effect on the level of profitability and ROA indicators received by commercial banks financing syariah.Risiko significant negative effect on profitability. Conclusion the study shows that the temporary syirkah funds and liabilities have a significant effect on the risk of equity financing and profitability while no significant effect on risk financing and profitability.
equity of the financing risk and profitability
Khulu' is the greatness of Islamic law in the fight for women's rights, so that if a wife is very tortured and there is no longer a sense of love and affection towards her husband, she can divorce her husband, even though divorce is hated by Allah. Khulu' also is divorce accompanied by a number of property as iwadh given by the wife to the husband in order to redeem themselves loose from marriage. Islamic law has given way to a wife who wants a divorce by filing khulu' as Islamic law gives way to the husband to divorce his wife by talak. Khulu' hated by the shari'ah as well as divorce. All sense and sense of well being refused khulu’, and only Allah that allow it to avert danger when it is unable to enforce Islamic laws. And the wisdom of khulu' is to avoid danger, namely the time of the quarrel that turmoil in a conjugal relationship until they could no longer united in the bonds of the household, then khulu’ allowed.
Pendekatan Interdisipliner Terhadap Perilaku Konsumen Bank Syariah
Interdisciplinary is a collaboration between several disciplines to respond to developments and problems of human civilization. Mu'amalah science, economics, sociology, and psychology work together to examine the behavior of Muslim consumers. Consumer behavior is the study of how individuals, groups and organizations select, purchase, use and dispose of goods, services, ideas or experiences to satisfy their wants and needs. Consumer behavior studies focused on how individuals make the decision to utilize their resources (time, money and effort) to buy goods and services consumed. This interdisciplinary approach to the Islamic bank consumer behavior is required, because basically Islamic economics as a subject of study is the contribution of the various sciences. In a study of consumer behavior resulted in two conclusions Islamic bank. Religiosity influences customer behavior Islamic bank, and other conclusions stated that in a certain level of religiosity does not affect the behavior of bank customers Shari'ah.
Konsepsi Negara Dalam Islam (Sebuah Diskursus Politik Hukum Islam)
The Qur'an introduces Islam as ad din, therefore, Islam is not just a "religion" in the narrow sense, but covers all aspects of human life. in ad-din al Islam, humans are required to menggayutkan all its activities, either born or spiritual to the supreme absolute reality, that is God Almighty. Being a Muslim, meaning, expression forever subservient and obedient to Allh SWT, devote yourself to Him. The teachings of Islam, he said, ordered to consider the interests of minorities, recognize their rights, especially all the rights included in the circle of human rights. in the concept of this country as the reference is the Qur'an and Sunnah. Thus requiring an ijtihad to review it. Countries in the Islamic perspective, if explored further in fact no concept of the state in the Qur'an Q.S. Ali Imran (3): 140, Q.S. Al-Hashr (59): 7, Q.S. Al Bagarah (2): 213, Q.S. Shura (42): 38, Q.S. An Nisa (4), while the Government of the Prophet with a combination of the people of the Ansar and muhajrin an early milestone of unity and brotherhood, as well as other people are tribes that are in the Medina area in conducting their activities as social beings with their charter Medina. This union covers all aspects of life.