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All Journal PARETO : Jurnal Ekonomi dan Kebijakan Publik Sharia Economic and Management Business Journal (SEMBJ) Journal of Religion and Social Community Jurnal Studi Islam Indonesia (JSII) Social, Educational, Learning and Language (SELL)
Gustiya Sunarti
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Analisis Umum dan Khusus dalam Dalil Syariah: Ciri-Ciri Lafaz dan Strategi Pengkhususan Antardalil (Al-Qur’an dan Hadis) Mesal Sabilah; Dara Siska; Gustiya Sunarti
Social, Educational, Learning and Language (SELL) Vol. 3 No. 2 (2025): Social, Educational, Learning and Language (SELL)
Publisher : Penerbit dan Percetakan, CV. Picmotiv

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Abstract

Kajian Ushul Fiqh mengenai lafaz umum (‘ām) dan khusus (khāṣ) merupakan aspek penting dalam memahami hukum Islam. Kedua bentuk lafaz ini sering kali menimbulkan perbedaan interpretasi hukum jika tidak dipahami secara tepat, khususnya dalam praktik pengkhususan antardalil. Penelitian ini bertujuan menganalisis definisi, ciri-ciri lafaz umum dan khusus, serta strategi pengkhususan antara Al-Qur’an dan Hadis. Metode penelitian menggunakan pendekatan kualitatif dengan studi pustaka terhadap kitab-kitab Ushul Fiqh klasik dan kontemporer. Hasil penelitian menunjukkan bahwa lafaz umum memiliki ciri penggunaan kata seperti kullu, jami‘, man, dan bentuk jamak nakirah; sementara lafaz khusus lebih terbatas, ditandai dengan isim ‘alam, isyarah, atau bentuk tunggal tertentu. Pengkhususan dalil dapat terjadi dalam empat bentuk: (1) Al-Qur’an dengan Al-Qur’an, (2) Al-Qur’an dengan Hadis, (3) Hadis dengan Al-Qur’an, dan (4) Hadis dengan Hadis. Temuan ini menegaskan bahwa penguasaan konsep umum–khusus serta mekanisme pengkhususan dalil sangat urgen bagi pengembangan ijtihad kontemporer
Ijma’ Dan Qiyas Sebagai Sumber Hukum Dalam Ekonomi Syariah Aisyah Bila Sapitri; Vera Chintia Bela; Gustiya Sunarti
Jurnal Studi Islam Indonesia (JSII) Vol. 3 No. 2 (2025): Jurnal Studi Islam Indonesia (JSII)
Publisher : Publication and Inovasi Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jsii.v3i2.1271

Abstract

Sumber hukum memiliki peran penting dalam menetapkan aturan yang menjadi pedoman aktivitas manusia, baik dalam urusan dunia maupun akhirat. Dalam Islam, Al-Qur’an dan Hadis merupakan sumber hukum utama yang menjadi landasan kehidupan umat. Seorang Muslim dituntut untuk meneguhkan keimanan kepada Allah SWT serta melaksanakan ajaran agama sesuai ketentuan hukum yang berlaku. Hukum dalam Islam dipahami sebagai penetapan terhadap suatu perkara atau meniadakan sesuatu yang tidak memiliki dasar. Selain Al-Qur’an dan Hadis, terdapat pula sumber hukum lain yang dijadikan pedoman dalam penetapan hukum, yaitu ijma’ dan qiyas. Ijma’ dipahami sebagai kesepakatan para mujtahid atas suatu ketetapan hukum syar’i, sedangkan qiyas merupakan upaya analogi hukum dengan menyamakan suatu peristiwa yang belum ada dalilnya dengan peristiwa lain yang memiliki dasar hukum. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif, melalui studi kepustakaan untuk menelaah peran ijma’ dan qiyas sebagai sumber hukum dalam ekonomi syariah.
Analisis Pemahaman Hukum Islam Melalui Metode Mantuq Dan Mafhum Dalam Menyelesaikan Permasalahan Ibadah Dan Muamalah Fredela nesyah; Indah Tuti Agustin; Gustiya Sunarti
Journal of Religion and Social Community | E-ISSN : 3064-0326 Vol. 2 No. 1 (2025): Juli - September
Publisher : GLOBAL SCIENTS PUBLISHER

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Abstract

The analysis of Islamic legal understanding through the methods of mantuq and mafhum plays a significant role in addressing issues related to both worship (ibadah) and social transactions (muamalah). The mantuq method refers to the derivation of rulings based on the explicit meaning of Qur’anic and Hadith texts, while the mafhum method is employed to extract rulings through the implicit meanings embedded within the scriptural language. Both methods serve as essential argumentative foundations for scholars and practitioners of Islamic law in responding to the dynamic challenges faced by Muslim communities. In the sphere of worship, these methods provide clarity on matters such as differences in prayer practices or the determination of prayer times. In the realm of muamalah, their relevance is evident in contemporary issues including digital transactions, electronic money, and technology-based zakat management. This study adopts a qualitative approach through library research, examining both classical and modern literature in the fields of usul al-fiqh, Qur’anic exegesis, and Hadith, while also comparing classical scholarly opinions with contemporary fatwas, such as those issued by the National Sharia Council of Indonesia (DSN-MUI). The findings are expected to enrich the methodological discourse of istinbath al-ahkam (derivation of legal rulings), reaffirm the relevance of mantuq and mafhum, and provide practical solutions to current issues in worship and social transactions..
IMPLEMENTATION OF MAQASHID SHARIA PRINCIPLES IN THE WORK CULTURE OF EMPLOYEES AT BANK MUAMALAT BENGKULU BRANCH Tri Chamauliddah; Gustiya Sunarti; Fatimah Yunus
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/2q5f3g13

Abstract

Previous studies on Islamic Financial Institution have primarily focused on sharia compliance in products and financial performance, while limited attention has been given to how maqashid sharia principles are embodied within employees’ work culture. This study fills that gap by analyzing the implementation of maqashid sharia values in the work culture of employees at Bank Muamalat Bengkulu Branch using a descriptive qualitative approach through interviews with leaders and staff. Thematic analysis was conducted based on the five dimensions of maqashid sharia: hifz ad-dīn (protection of religion), hifz an-nafs (protection of life), hifz al-aql (protection of intellect), hifz an-nasl (protection of lineage), and hifz al-mal (protection of wealth). The results indicate that Islamic values are internalized through the “Muamalat IDEAL” work culture (Islamic, Modern, Professional). Leaders play an active role in instilling honesty, trustworthiness, and responsibility through exemplary conduct and spiritual activities. Employees’ work practices reflect a balance between spiritual and professional aspects: integrity and honest service (hifz ad-dīn), harmonious teamwork (hifz an-nafs), continuous competency development (hifz al-aql), employee welfare (hifz an-nasl), and sharia-compliant fund management (hifz al-mal). Supporting factors include strong organizational commitment and corporate values, while the main challenges are the influence of value globalization and limited Islamic literacy among staff. Overall, the application of maqashid sharia strengthens Islamic work culture and professionalism within Bank Muamalat Bengkulu Branch.
PERSEPSI DAN PREFERENSI GENERASI Z TERHADAP APLIKASI MOBILE BANKING SYARIAH DI ERA DOMINASI FINTECH KONVENSIONAL Mutiara Septyana; Fatimah Yunus; Gustiya Sunarti
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/m64q2s19

Abstract

This study aims to analyze Generation Z's perceptions and preferences regarding the use of sharia-compliant mobile banking applications amidst the dominance of conventional fintech. Using a descriptive qualitative approach, the study involved 10 Generation Z informants selected through purposive sampling. Data were collected through interviews, observation, and documentation, then analyzed using the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The results show that Generation Z has a positive perception of sharia-compliant mobile banking, especially in terms of security and sharia compliance. However, their preference for conventional fintech is more dominant because it offers convenience, fast transactions, extensive integration with various digital platforms, and economic benefits such as cashback and promotions. This study also found a value-behavior gap, namely the difference between the understanding of sharia values ​​and the practice of using digital financial applications.
ANALISIS TINGKAT LITERASI KEUANGAN SYARIAH MAHASISWA PASCASARJANA UINFAS BENGKULU: PERBANDINGAN ANTARA BANK SYARIAH DAN BANK KONVENSIONAL   Ahmad Rayendra; Fatimah Yunus; Gustiya Sunarti
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/36mgj939

Abstract

This study aims to analyze the level of Islamic financial literacy among students at UIN Fatmawati Sukarno (UINFAS) Bengkulu and compare their understanding of the products and services offered by Islamic banks and conventional banks. Islamic financial literacy is an individual's ability to understand Islamic financial principles, including the prohibitions on usury, gharar, and maisir, as well as the use of instruments such as mudharabah, musyarakah, and murabahah. The research method used is descriptive quantitative, with questionnaires distributed to 120 students who actively use banking services. The results show that the level of Islamic financial literacy among students is generally in the fairly good category, but there are differences in understanding between students who use Islamic banks and conventional banks. Students who use Islamic banks have a higher level of understanding of Islamic financial principles compared to students who use conventional banks. These findings demonstrate the importance of improving Islamic financial literacy education for students, including those who primarily use conventional banks, to raise awareness of Islamic financial principles in everyday life.
PERAN INFAQ DAN SEDEKAH DALAM PEMERDAYAAN EKONOMI UMAT DI ERA DIGITAL Rossella Afriani; Fatimah Yunus; Gustiya Sunarti
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/k0a6rn32

Abstract

This research is a study using the literature study method or literature review to show readers about “The role of infaq and alms in the economic empowerment of the people in the digital era” and examine data from various literatures related to the core of the problem in order to obtain the principles and concepts about the problem that is the object of research. The method used in this article is descriptive method, various forms of information and references related to the issue of managing infaq and alms in the digital era.  The results of the study show that amil are required to have modern skills in collecting funds. Digitalization of infaq and sadaqah fund collection is digital payment and digital socialization by utilizing social media. Digitalization in collecting infaq and sadaqah funds plays a role because it makes it easier for muzakki to save time and money. And also makes fundraising more transparent, massive, effective and efficient. However, the role of digitalization has not been maximized due to the lack of human resources and the lack of a digital system that is very minimal and people who are not yet literate in digital technology.
ANALISIS STRATEGI PENGELOLAAN KOPERASI SIMPAN PINJAM DI KOPERASI LKM SYARIAH UKHUWAH BINTANG INSANI Wardonsoni Wardonsoni; Gustiya Sunarti; Fatimah Yunus
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/nqn1d116

Abstract

This study aims to analyze the management strategy of savings and loan cooperatives at the Ukhuwah Bintang Insani Islamic Microfinance Cooperative (LKM Syariah), a microfinance institution operating based on sharia principles. This study focuses on four main aspects: planning, organization, implementation, and supervision, which are applied to support the effectiveness of operational activities. The research method used is descriptive qualitative through in-depth interviews, direct observation, and review of various organizational documents. The results show that the cooperative has implemented a targeted management strategy oriented towards member empowerment, improving service quality, and complying with sharia. However, several challenges remain, such as limited human resources, suboptimal technology utilization, and the need to strengthen the internal control system. The findings of this study emphasize the importance of increasing institutional capacity and professionalism of cooperative managers so that cooperatives can adapt to changing member needs and the dynamics of the business environment. This research provides an empirical contribution to the strategy for developing sustainable management of sharia cooperatives.  
Pengaruh Pengetahuan Investasi, dan Influencer Keuangan terhadap Minat Investasi Cryptocurrency pada Mahasiswa FEBI UIN Fatmawati Sukarno Bengkulu Viora Pranata; Fatimah Yunus; Gustiya Sunarti
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/1t495630

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Pengetahuan Investasi dan Influencer Keuangan terhadap Minat Investasi Cryptocurrency pada mahasiswa FEBI UIN Fatmawati Sukarno Bengkulu. Metode penelitian menggunakan pendekatan kuantitatif dengan desain explanatory survey, di mana data dikumpulkan melalui kuesioner yang disebarkan kepada 130 mahasiswa terpilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan uji validitas, reliabilitas, normalitas, uji t, uji F, dan koefisien determinasi (R²) untuk menguji hubungan antarvariabel. Hasil penelitian menunjukkan bahwa Pengetahuan Investasi (X1) berpengaruh signifikan terhadap Minat Investasi Cryptocurrency (Y), dengan t hitung 4,521 > t tabel 1,972 dan signifikansi 0,000. Influencer Keuangan (X2) juga memiliki pengaruh signifikan terhadap minat investasi, t hitung 3,985 > t tabel 1,972 dan signifikansi 0,000. Secara simultan, kedua variabel independen berpengaruh signifikan terhadap minat investasi mahasiswa, dibuktikan oleh uji F hitung 14,872 > F tabel dan signifikansi 0,000. Koefisien determinasi (R²) sebesar 0,526 menunjukkan bahwa 52,6% variasi Minat Investasi Cryptocurrency dapat dijelaskan oleh Pengetahuan Investasi dan Influencer Keuangan, sedangkan 47,4% dipengaruhi faktor lain. Temuan ini menegaskan pentingnya literasi investasi dan pengaruh sosial digital sebagai faktor utama dalam membentuk minat investasi mahasiswa pada aset digital.
Pengaruh Persepsi Dan Preferensi Generasi Z Terhadap Penggunaan Produk Digital Bank Syariah (Studi Pada Mahasiswa Pascasarjana Uinfas Bengkulu) Weny Weny; Fatimah Yunus; Gustiya Sunarti
PARETO : Jurnal Ekonomi dan Kebijakan Publik Vol. 8 No. 2 (2025): PARETO
Publisher : Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/m4r72b83

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh persepsi dan preferensi generasi Z terhadap penggunaan produk digital bank syariah pada mahasiswa Pascasarjana UIN Fatmawati Sukarno Bengkulu. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan survei. Data dikumpulkan melalui kuesioner berbasis skala Likert yang disebarkan kepada 130 mahasiswa pascasarjana sebagai sampel menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan uji validitas, reliabilitas, uji normalitas, serta regresi linear berganda untuk mengetahui pengaruh parsial dan simultan antara persepsi dan preferensi terhadap penggunaan produk digital bank syariah. Hasil penelitian menunjukkan bahwa persepsi berpengaruh signifikan terhadap penggunaan produk digital bank syariah dengan t hitung 4,213 > t tabel 1,972 dan signifikansi 0,000. Preferensi juga berpengaruh signifikan dengan t hitung 3,897 > t tabel 1,972 dan signifikansi 0,000. Secara simultan, persepsi dan preferensi berpengaruh signifikan terhadap penggunaan produk digital bank syariah dengan F hitung 15,432 dan signifikansi 0,000. Koefisien determinasi R² sebesar 0,507 menunjukkan bahwa 50,7% variasi penggunaan layanan digital dapat dijelaskan oleh persepsi dan preferensi. Temuan ini menegaskan pentingnya mempertimbangkan persepsi dan preferensi generasi Z dalam pengembangan strategi layanan digital bank syariah.
Co-Authors Ahmad Rayendra Aisyah Bila Sapitri Anisa Gustriani Barokallah Barokallah Dara Siska Fatimah Yunus Fredela nesyah Indah Tuti Agustin Mesal Sabilah Mutiara Septyana Rossella Afriani Tri Chamauliddah Vera Chintia Bela Viora Pranata Wardonsoni Wardonsoni Weny Weny