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Sistem Ekonomi Sosial Campuran (Konsep, Bentuk, dan Variasi di Negara Berkembang) Helmayanti; Eva Naila; Erwan Setyanoor
Surplus: Jurnal Ekonomi dan Bisnis Vol. 4 No. 2 (2026): Januari-Juni 2026
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v4i2.1610

Abstract

Sistem ekonomi sosial campuran merupakan sistem perekonomian yang mengombinasikan unsur-unsur positif dari sistem ekonomi kapitalis dan sosialis dengan tujuan meminimalkan kelemahan masing-masing sistem. Artikel ini bertujuan untuk mengkaji konsep, bentuk, serta variasi penerapan sistem ekonomi sosial campuran di negara-negara berkembang. Metode penelitian yang digunakan adalah studi kepustakaan dengan menganalisis berbagai literatur, buku, dan jurnal ilmiah yang relevan. Hasil kajian menunjukkan bahwa sistem ekonomi sosial campuran menempatkan mekanisme pasar sebagai penggerak utama kegiatan ekonomi, namun tetap memberikan peran penting kepada pemerintah dalam regulasi, distribusi kekayaan, penyediaan layanan publik, serta pengelolaan sektor-sektor strategis. Variasi penerapan sistem ini di negara berkembang dipengaruhi oleh kondisi sosial, politik, dan tingkat pembangunan ekonomi masing-masing negara, sebagaimana terlihat pada kasus negara-negara Nordik, Tiongkok, dan Vietnam. Sistem ekonomi sosial campuran dinilai mampu mendorong pertumbuhan ekonomi sekaligus menjaga stabilitas sosial, meskipun masih menghadapi berbagai tantangan seperti keterbatasan efisiensi, potensi penyalahgunaan kebijakan, dan ketidakjelasan batas peran antara pemerintah dan swasta. Dengan demikian, sistem ekonomi sosial campuran menjadi alternatif yang relevan bagi negara berkembang dalam mencapai kesejahteraan masyarakat secara berkelanjutan.
Implementation of Islamic Financial Management in the Digital Era Desvyna Tri Yanitha; Aulia Fitri; Khalimatus Sa’diah; Erwan Setyanoor
JIS: Journal Islamic Studies Vol. 4 No. 2 (2026): Mei-Agustus 2026
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/jis.v4i2.2114

Abstract

Perkembangan teknologi digital telah membawa perubahan signifikan dalam sistem keuangan, termasuk pada penerapan manajemen keuangan Islam. Transformasi digital mendorong lembaga keuangan syariah untuk mengadopsi berbagai inovasi teknologi guna meningkatkan efisiensi, transparansi, dan kualitas layanan kepada masyarakat. Penelitian ini bertujuan untuk menganalisis penerapan manajemen keuangan Islam pada era digital serta mengidentifikasi peluang dan tantangan yang dihadapi dalam implementasinya. Metode yang digunakan adalah studi pustaka dengan mengkaji berbagai literatur, jurnal ilmiah, dan regulasi yang berkaitan dengan manajemen keuangan Islam dan digitalisasi layanan keuangan. Hasil kajian menunjukkan bahwa digitalisasi memberikan berbagai peluang bagi pengembangan keuangan Islam, seperti kemudahan akses layanan perbankan syariah, peningkatan inklusi keuangan, efisiensi operasional, serta pengembangan produk berbasis teknologi finansial (fintech) syariah. Namun demikian, terdapat sejumlah tantangan yang perlu diperhatikan, antara lain keamanan data, risiko siber, rendahnya literasi digital masyarakat, serta perlunya penguatan regulasi yang sesuai dengan prinsip-prinsip syariah. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan manajemen keuangan Islam yang adaptif terhadap kemajuan teknologi di era digital.
Transformasi Ekonomi Moneter Islam Di Indonesia Pada Era Digital: Peluang Dan Tantangan Muhammad Fajar Aditya Putra Budiman; Muhammad Rizki; Erwan Setyanoor
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 4 No. 2 (2026)
Publisher : SPT. haria Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v4i2.1948

Abstract

Transformasi digital telah membawa perubahan signifikan dalam berbagai sektor ekonomi, termasuk sistem ekonomi moneter Islam di Indonesia. Perkembangan teknologi informasi dan komunikasi mendorong munculnya berbagai inovasi layanan keuangan syariah, seperti perbankan digital syariah, fintech syariah, dan sistem pembayaran digital berbasis prinsip Islam. Penelitian ini bertujuan untuk menganalisis peluang dan tantangan transformasi ekonomi moneter Islam di Indonesia pada era digital. Metode penelitian yang digunakan adalah penelitian kepustakaan (library research) dengan pendekatan deskriptif kualitatif melalui pengkajian berbagai literatur, jurnal ilmiah, serta regulasi yang berkaitan dengan ekonomi syariah dan digitalisasi keuangan. Hasil penelitian menunjukkan bahwa transformasi digital memberikan peluang besar bagi peningkatan inklusi keuangan syariah, efisiensi transaksi, perluasan akses layanan keuangan, serta penguatan ekosistem ekonomi Islam. Namun demikian, transformasi tersebut juga menghadapi berbagai tantangan, antara lain rendahnya literasi digital masyarakat, risiko keamanan siber, keterbatasan infrastruktur teknologi, serta kebutuhan akan regulasi yang mampu mengakomodasi perkembangan inovasi keuangan syariah. Oleh karena itu, diperlukan sinergi antara pemerintah, lembaga keuangan syariah, dan masyarakat untuk mengoptimalkan manfaat digitalisasi dalam mendukung perkembangan ekonomi moneter Islam yang berkelanjutan di Indonesia.
Prinsip Keadilan Pada Jual Beli Dalam Pandangan Al-Qur’an Dan Hadits Eva Naila; Helmayanti; Siti Nabila Zahra; Navisya; Erwan Setyanoor
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol 2 No 1 (2025)
Publisher : PT. Pustaka Andil Lestari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67802/ahsan.v2i1.38

Abstract

Buying and selling is part of economic activities that cannot be separated from human life, both in the past and in the present. In the view of Islam, buying and selling is an aspect of life that is grouped into muamalah issues, namely relationships between fellow humans that are regulated so that they remain fair and do not harm each other. With the view of the Qur'an and Hadith, we can find out how the principles of justice in buying and selling are applied. The principles of justice in buying and selling include honesty in conveying information, the willingness of both parties, as well as the prohibition of fraudulent practices (tadlis) and usury. All these values aim to make buying and selling run in a fair way and in accordance with Islamic teachings. In practice, these principles also include the need for an agreement without coercion, clarity of the object of the transaction (bayyinah), and fulfillment of the rights and obligations of each party. This research is important to provide a deeper understanding of Islamic business ethics in the contemporary context, especially in the midst of the development of the digital economy and the rise of online transactions that are prone to manipulation of information and exploitation of weak parties.
Zakat, Wakaf, dan Stabilitas Moneter: Perspektif Ekonomi Islam untuk Masa Depan Berkelanjutan Evi Noor Aliyah; Rezkie Amalia; Muhammad Ibnu Nazar; Muhammad Haris Fadilah; Erwan Setyanoor
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol 2 No 1 (2025)
Publisher : PT. Pustaka Andil Lestari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67802/ahsan.v2i1.42

Abstract

Zakat and waqf are two fundamental pillars in Islamic economics, both of which play a strategic role in promoting social welfare and economic stability. This study explores the contribution of zakat and waqf to monetary stability from an Islamic economic perspective, aiming to support sustainable development in Indonesia. Employing a qualitative library research method, the study collects and analyzes data from books, scientific journals, and relevant documents discussing zakat and waqf within the context of Islamic economics. The findings indicate that zakat, through its direct redistribution of wealth, helps increase the purchasing power of the underprivileged and reduce income inequality, while waqf, especially in its productive form, supports the development of public infrastructure and social facilities. Both instruments, when managed professionally and transparently, can serve as complementary tools for fiscal and monetary policy, enhancing economic resilience and inclusivity. The synergy between zakat and waqf not only addresses immediate social needs but also contributes to long-term economic growth by empowering micro, small, and medium enterprises (MSMEs) and investing in education and health sectors. However, the study also highlights the need for further empirical research to measure the direct impact of zakat and waqf on national monetary stability. In conclusion, optimizing the management of zakat and waqf in accordance with Islamic principles can significantly strengthen the foundation of a just and sustainable economic system in Indonesia.
v: Eva Raudah; M. Faizin; Muhammad Rizal Akbar; Muhammad Haqqi; Erwan Setyanoor
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol 2 No 1 (2025)
Publisher : PT. Pustaka Andil Lestari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67802/ahsan.v2i1.48

Abstract

The issue of economic sustainability and the global environmental crisis has created an urgent need for a just, sustainable, and environmentally friendly development system. The green economy has emerged as a solution, emphasizing resource efficiency, carbon emission reduction, and social equity. In this context, Islamic economic principles and Sharia-based monetary instruments can play a strategic role in supporting the transition to green development. This article aims to examine the integration of Sharia-compliant monetary instruments such as green sukuk, mudharabah, musyarakah, productive zakat, and environmental waqf in realizing economic sustainability based on Islamic green economy principles. This research uses a qualitative method with a literature study approach. The findings show that Islamic financial instruments are not only aligned with sustainability values but also capable of promoting economic stability, empowering the real sector, and enhancing equitable wealth distribution. This integration is in line with maqashid shariah and contributes significantly to achieving the Sustainable Development Goals (SDGs). However, its implementation still faces challenges, including regulatory gaps, low public literacy, and limited access to green infrastructure. Therefore, cross-sectoral collaboration is essential to strengthen policy, expand education, and foster innovation in Sharia-based financing to achieve inclusive and sustainable development..
EFEKTIVITAS MANAJEMEN RISIKO DALAM PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH Lia Wardati; Muhammad Ismail; Nazwa Hasanatul Hikmah; Muhammad Aldi Akbar; Erwan Setyanoor
Ahsan: Jurnal Ilmiah Keislaman dan Kemasyarakatan Vol 2 No 1 (2025)
Publisher : PT. Pustaka Andil Lestari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67802/ahsan.v2i1.59

Abstract

The Islamic economy, based on the principles of justice, equality, and the prohibition of usury, offers alternative financing through profit-sharing contracts, particularly mudharabah and musyarakah. These contracts are key instruments in Islamic banking; however, their implementation in Indonesia still faces challenges, including the dominance of non–profit-sharing products, financing risks, and regulatory limitations. This study aims to analyze the implementation of risk management in mudharabah and musyarakah financing. The research method employs a library research approach with qualitative descriptive analysis. Data were collected through documentation studies of primary and secondary literature, including books, journal articles, DSN-MUI fatwas, and relevant regulations. Data analysis was conducted using content analysis, which involved identifying themes, classifying information, and synthesizing findings. The results show that risk management in mudharabah and musyarakah includes the processes of risk identification, evaluation, and mitigation, tailored to the nature of each contract. Mitigation strategies include customer feasibility analysis, business monitoring, document verification, and limited use of collateral. Although these contracts have the potential to support inclusive economic development, their application still requires strengthening public knowledge, improving regulations, and implementing systematic risk management to optimize their benefits.