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All Journal International Journal of Informatics and Communication Technology (IJ-ICT) International Journal of Advances in Applied Sciences At-Taradhi: Jurnal Studi Ekonomi IJIBE (International Journal of Islamic Business Ethics) I-ECONOMICS: A Research Journal on Islamic Economics JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Jurnal Pendidikan Agama Islam (Journal of Islamic Education Studies) HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa Profetika FIKRI : Jurnal Kajian Agama, Sosial dan Budaya Jurnal Pengabdian UntukMu NegeRI AL QUDS : Jurnal Studi Alquran dan Hadis Resona : Jurnal Ilmiah Pengabdian Masyarakat Jurnal TAM (Technology Acceptance Model) Adi Widya : Jurnal Pengabdian Masyarakat al-Afkar, Journal For Islamic Studies Al-Muzara'ah Journal of Islamic Economic Laws QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT Journal of Indonesian Tourism, Hospitality and Recreation Iqtishoduna: Jurnal Ekonomi Islam AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Indonesian Journal of Halal Research Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Azhar Journal of Islamic Economics Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam El-Qist : Journal of Islamic Economics and Business (JIEB) Journal of Sustainable Tourism and Entrepreneurship Nusantara Science and Technology Proceedings Journal of Islamic Economics and Finance Studies AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Airlangga International Journal of Islamic Economics and Finance Society : Jurnal Pengabdian dan Pemberdayaan Masyarakat Halal Research Journal Jurnal Ar-Ribh Al-Muamalat : Jurnal Ekonomi Syariah Abdi Psikonomi Talaa : Journal of Islamic Finance Islamiconomic: Jurnal Ekonomi Islam Perbanas Journal of Islamic Economics and Business Proceeding ISETH (International Summit on Science, Technology, and Humanity) International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) International Journal of Emerging Issues in Islamic Studies Velocity: Journal of Sharia Finance and Banking International Journal of Law and Society Equilibrium: Jurnal Ekonomi Syariah Imara: Jurnal Riset Ekonomi Islam Jurnal Kepariwisataan: Destinasi, Hospitalitas dan Perjalanan Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Muhibbul Arabiyah: Jurnal Pendidikan Bahasa Arab Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Perbankan Syariah Jurnal TAM (Technology Acceptance Model) Al-Infaq : Jurnal Ekonomi Islam ZISWAF: Jurnal Zakat dan Wakaf Profetika: Jurnal Studi Islam Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah BISNIS : Jurnal Bisnis dan Manajemen Islam Arabia: Jurnal Pendidikan Bahasa Arab
Azhar Alam
Universitas Muhammadiyah Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Physics Social Sciences Other

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مقاصد الشريعة في المعاملات المالية ودورها في تحقيق العدالة الاقتصادية: Maqashid Syariah in Financial Transactions and Its Role in Achieving Economic Justice Zifamina, M. Zainul Haq Fiddin; Alam, Azhar
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

The purpose of this research is to study the role of sharia maqashid in regulating financial transactions and achieving economic justice, through an analysis of the basics of maqashid that are the foundation of the Islamic financial system, as well as explaining their impact on the protection of rights, achieving a balance between individual interests and public interests, and reducing the practice of injustice and economic exploitation. This study uses an analytical descriptive method, with the application of an inductive approach to trace sharia texts and the opinions of scholars, as well as a comparative approach to highlight the differences between maqashid's view of Islamic economics and some conventional economic views. This study concludes that sharia maqashid, especially in safeguarding wealth, realizing justice, and eliminating difficulties, is a comprehensive ethical and legislative framework that contributes to the development of a fair and sustainable financial system, as well as being able to face contemporary economic challenges. The authenticity of this research lies in the relationship between maqashid theory and the practical application of modern financial transactions, which strengthen economic justice and inclusive development.
تحليل سياسات الحكومة في إدارة أموال الحج: تزامن القانون رقم 34 لعام 2014 مع مبادئ الشريعة الاقتصادية: Analysis of Government Policies in the Management of Hajj Funds: The Conformity of Law Number 34 of 2014 with the Principles of Economic Sharia Prestiyono, Bagus Ledi; Alam, Azhar
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

Objective: This study aims to analyze the extent of the suitability of the Indonesian government's policy in managing hajj funds based on Law Number 34 of 2014 according to the principles of sharia economics and sharia maqashid, especially the principle of maintenance and achievement of the benefits of the ummah. Methodology: This study uses a legal-normative approach with a descriptive qualitative analysis method. Data was obtained through a study of laws and regulations related to the management of hajj funds, DSN-MUI fatwas, scientific literature, as well as financial and performance reports of the Hajj Financial Management Agency (BPKH) for the period 2024 2025. The analysis was carried out by integrating a positive sharia perspective and sharia maqashid. Results: The results of the study show that Law Number 34 of 2014 provides a strong legal basis for the management of hajj funds based on sharia principles, accountability, and transparency. However, in practice, there is still a gap between formal compliance with sharia and the achievement of substantive goals of sharia maqashid, particularly in the aspects of public transparency, increased economic benefits, and equitable distribution of the social impact of hajj investments. Application/Authenticity/Value: This research makes a conceptual contribution by combining positive legal analysis and "maqashid sharia" in the context of public financial management of the ummah. It is hoped that the results of this research will be the basis for the formulation of policies that are more benefit-oriented, increase public trust, and strengthen sustainable governance for hajj funds.
Google Play review analysis of digital mobile applications of Islamic microfinance institutions Azhar Alam; Ririn Tri Ratnasari; Danang Dwi Nurrochman; Estina Rahmawati
International Journal of Advances in Applied Sciences Vol 13, No 3: September 2024
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijaas.v13.i3.pp717-726

Abstract

The study aims to analyze user reviews of Islamic microfinance mobile applications to evaluate their effectiveness for micro, small, and medium-sized enterprises (MSMEs). Using the netnography method, this study collected and analyzed 4,131 reviews from the Google Play Store, focusing on applications with ratings above 4.5. The data was categorized into positive and negative reviews. Key findings indicate that users appreciate 50.42% of positive reviews expressed satisfaction and motivation to advance, 28.90% praised the ease of transactions via the application, and 20.68% appreciated the practical benefits in any payment, while with frequent errors (25.53%), issues with activation codes (21.28%), and transaction failures (17.02%) being the most common complaints. The study recommends improving technical reliability to enhance user satisfaction. Future research should explore user experiences in more diverse digital environments. This research contributes to understanding user perceptions and strengthening the development of Islamic microfinance applications.
Kesesuaian Akad dan Transaksi Digital pada Fintech Syariah dengan Prinsip Hukum Muamalah Fatimah Salma Azzahra; Azhar Alam; Wardah Yuspin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i2.11244

Abstract

This study aims to identify and describe the various forms and types of contracts used in Islamic fintech services in Indonesia, and to analyze and assess the level of conformity of contracts and digital transactions in Islamic fintech with the principles of muamalah law according to Islamic teachings. The study used a qualitative literature study method with a normative-theological approach. Data sources were secondary sources collected using library research techniques. Data were considered valid if they met the criteria of credibility, transferability, dependability, and confirmability. Data were analyzed using qualitative descriptive techniques. The results show that Islamic fintech in Indonesia has implemented various Islamic contracts, such as sale and purchase, musyarakah, mudharabah, wakalah bil ujrah, and qardh, which are used according to service characteristics and user needs. In general, the digital transaction mechanisms in Islamic fintech are in line with the principles of muamalah law because they are supported by clear contracts, system transparency, and regulatory oversight that ensures the avoidance of usury, gharar, and other prohibited practices.
Akad dan Kesesuaian Fitur Wakaf Produk Asuransi Jiwa Syariah Alam, Azhar; Hidayati, Sukri
EQUILIBRIUM Vol 8, No 1 (2020): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v8i1.7223

Abstract

This study describes the appropriateness of AlliSya Protection Plus Unit Link waqf features based on the DSN-MUI Fatwa regarding Endowment of Insurance Benefits and Investment Benefits of Sharia Life Insurance at PT Asuransi Allianz Life Indonesia. This study aims to study the contracts contained in the waqf product features with uses field research studies, literature reviews and qualitative data analysis. The results of this study indicate that the implementation of Waqf Unit AlliSya Protection Plus features is following the National Sharia Board Fatwa because it has fulfilled the provisions for waqf of insurance benefits, waqf of investment benefits, and provisions of ujrah. This waqf feature product utilizes tabarru, wakalah bil ujrah, mudaraba, waqf, wills, and qardh contract. Waqf funds will be distributed to waqf institutions (nazir) received by the policyholder dies. The implementation of waqf features in sharia life insurance products is encouragement in increasing the collection of endowment funds, thereby increasing both the welfare of society and economic development.
Exploring Zakat Payment Awareness and its Impact among MSMEs in Kartasura, Central Java, Indonesia Alam, Azhar; Widiastuti, Tika; Faizah, Anisa Nur; Ashfahany, Afief El
ZISWAF Vol 9, No 2 (2022): ZISWAF: JURNAL ZAKAT DAN WAKAF
Publisher : UIN Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/ziswaf.v9i2.16473

Abstract

This study aims to review the level of awareness of business zakat and its impact on business progress. The data for this research originated from the micro, small, and medium enterprises (MSME) business actors in Kartasura Subdistrict, Central Java, Indonesia. This study uses a qualitative approach to explore the awareness of business zakat and its impact on business progress. The open-ended interviews with a single case study from micro, small, and medium-sized enterprises (MSMEs) in the Kartasura sub-district, Central Java, Indonesia, were executed for data collection. 10 MSME businessmen were interviewed. The data was evaluated using the interpretative approach of the deductive method. The results showed the authors' deductive reasoning from the interview participants, explaining the informants' knowledge regarding zakat from commercial businesses and the impacts that might correspond to their business progress. This research underscores the importance of zakat awareness among MSME businessmen in Indonesia to further practice zakat in their businesses. This research recommended that MSME businesspeople need to know how to boost their zakat knowledge. MSME players must also include their staff to grasp their duties and the social purpose of zakat compliance, which will boost business development. Zakat management coordinators like BAZNAS must pay attention to MSMEs' compliance and zakat literacy because many sectors of the Indonesian economy still rely on them.
ANALYSIS OF JUDGE'S DECISION ON AKAD MURABAHAH TORT CASE IN RELIGIOUS COURT Azhar Alam; Aditya Nurrahman; Raisa Aribatul Hamidah
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 8 No. 2 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i2.11269

Abstract

AbstractThe Religious Courts currently handle Sharia economic cases. One of the cases that dominates sharia financial matters is the default on the Murabaha Agreement. This study aims to determine the basic considerations of Klaten Religious Court judges in resolving Sharia economic cases in Murabaha contracts. This research also tries to test whether decisions in deciding patients fulfill the principles of justice. This research is field research with a normative juridical approach. Religious Court data was collected through interviews and documentation in religious courts. This study shows the legal sources of the two cases studied using draft law sources - the Civil Code (KUHPerdata) and Article 181 HIR. This research also reveals that the judge's conclusion was based on procedural law, applicable rules and regulations, and party benefits. This study suggests that disputing parties should be more careful in preparing materials for religious court cases to achieve the expected results.Keywords: Justice; Legal Considerations; Murabaha; Judgment of the Court.
Peran Komunitas Pengusaha Muslim Dalam Mengembangkan Bisnis Syariah di Tengah Pandemi Covid-19 (Studi kasus: Jogja Muslimah Preneur) Hamidah, Raisa Aribatul; Alam, Azhar; Wijayanti, Devi; Nurrahman, Aditya
BISNIS Vol 9, No 2 (2021): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v9i2.11914

Abstract

Penelitian membahas peran komunitas bisnis Syariah dalam mengembangkan bisnis Syariah di Tengah Pandemi Covid-19. Tujuan dari penelitian ini adalah untuk mengetahui dan menjelaskan strategi komunitas dalam mengembangkan bisnis syariah dan mempertahankan nilai-nilai syariah dalam bermuamalah selama Pandemi Covid-19. Dengan subjek penelitian menggunakan sebelas responden yang terdiri dari pendiri, pengurus dan anggota komunitas pengusaha muslim di Wilayah Yogyakarta. Peneliti menggunakan jenis penelitian kualitatif dan pendekatan yang digunakan adalah metode penelitian kasus (case study), penelitian yang mendalam tentang                    individu, kelompok, institusi dan sebagainya dalam waktu tertentu. Pengumpulan data dengan cara mewawancarai pengurus dan anggota komunitas serta mengumpulkan dokumen-dokumen literatur tentang mempertahankan bisnis syariah di tengah Pandemi. Berdasarkan penelitian ini menunjukkan bahwa komunitas Jogja Muslimah Preneur (JMP) memberikan peran dalam bentuk pemberian fasilitas berupa kegiatan-kegiatan dan event-event yang berguna untuk menambah wawasan, meningkatkan kemampuan daya saing, dan melihat peluang dari sudut pandang yang berbeda. Komunitas juga berperan mempertahankan nilai-nilai syariah yang harus dijaga dalam berbisnis meskipun dalam keadaan sulit seperti pandemi Covid-19 saat ini. Dengan segala keterbatasan penelitian yang dihadapi, pelajaran penting dari penelitian ini dapat digunakan sebagai referensi untuk wilayah lain yang ingin mendirikan komunitas pengusaha muslimah dengan tetap mempertahankan nilai-nilai syariah yang sebenarnya.
The Effectiveness of Monetary Policy and Imperfect Transmission Through The Banking Interest Rate Channel Isman; Azhar Alam; Imron Rosyadi
Jurnal Iqtisad Vol 13 No 1 (2026): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v13i1.15723

Abstract

Monetary transmission has become increasingly constrained by transmission frictions and the non-linear relationship between the BI Rate and credit growth, reducing the effectiveness of monetary policy in the banking sector. Bank Indonesia’s 2025 Financial Stability Review indicates that the relationship between the BI Rate and credit growth is non-linear, challenging the assumptions of traditional monetary theory. Despite a relatively stable and accommodative policy rate, credit growth slowed considerably, declining from 12.36% (year-on-year) in June 2024 to 7.77% (year-on-year) in June 2025, indicating weaker banking intermediation. Although banking liquidity remained adequate, as reflected in 6.96% growth in Third-Party Funds (DPK), this did not translate into stronger credit expansion. Credit growth is projected to remain within the 8–11% range in 2025, suggesting that credit demand remains relatively unresponsive to monetary easing. These findings suggest the presence of transmission frictions, including banks’ risk-averse lending behaviour, weak credit demand, and structural constraints within the banking sector. This study aimed to analyse the effectiveness of monetary transmission using an explanatory sequential mixed-methods design that integrates quantitative and qualitative data analysis. The study examines whether reductions in the BI Rate stimulate credit growth or whether banking frictions constrain the effectiveness of monetary transmission. highlighting that the effectiveness of such policies depends on the behaviour of the banking sector, which serves as the main transmission channel. This study contributes to the literature by demonstrating that the effectiveness of monetary policy depends not only on policy rate adjustments but also on the banking sector’s role as the primary transmission channel.
Trust Studies of Zakat Institutions: A Systematic Review for Future Research Direction Azhar Alam; Ririn Tri Ratnasari; Muhamad Nafik Hadi Ryandono; Ari Prasetyo; Estina Rahmawati
International Journal of Emerging Issues in Islamic Studies Vol. 3 No. 2 (2023): December 2023
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijeiis.v3i2.1419

Abstract

This study systematically reviewed the literature on trust-related publications in zakat institutions. This study revealed the development of the study of trust in zakat institutions, the thematic classification of the study, and discussions on the direction of future research development. This study adopted the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) system in screening the articles that were the subject of the study. From 415 zakat study documents indexed by the Scopus database, this study selects all articles and leaves 24 studies that make trust in zakat institutions the primary study material.The results show an increasing trend in the number of publications discussing trust in zakat institutions in recent years. This study also classified the findings from empirical research and conceptual models in the factors that shape trust in zakat institutions and the influence of faith on zakat behavior. This study also mapped out qualitative study findings that explain the sources of public distrust of zakat institutions and the solutions offered. This research is a pioneer in the discussion of literature systematically related to the research of trust in zakat institutions. This study also discussed potential research develop a survey of trust in zakat institutions.
Co-Authors Abdelsalam Adam Hamid Achmad Fajar Sidiq Ade Indra Adi Saifurrahman Adinda Putri Cahyani Aditya Nurrahman Aditya Nurrahman Aditya Nurrahman Aditya Nurrahman Adityo Wiwit Kurniawan Adriansyah, Ikhwan Afief El Asfahany Afief El Ashfahany Afiq Miftahurizqi Alhaq Al Bagir, Muhamad Aminudin Ma'ruf Anggraeni, Arum Angrinda Anggih Umi Kulsum Anis Ulul Hikmah Anisa Nur Faizah Annajaty, Abdulloh Yahya Ari Prasetyo Arina Saputri Arum Anggraeni Arum Mawadati Muthoharoh Azizah Fathma Azizi, Muhammad Azzam Izzuddin Bafana, Faiz Adib Bayu Arie Fianto Boby Habibi Cahyaningrum, Linda Islam Chabibatul Mu’awanah Chantarungsri, Chariyada Danang Dwi Nurrochman Dedi Junaedi Delvia Rusita Purnamasari Devi Wijayanti Deviana Sari Dewi Permata Sari Dian Nofitri Diana Setiawati Dicky Trio Adi Saputro Eka Lutfia Khoirun Nisa Eni Setyowati Estina Rahmawati Faizah, Anisa Nur Fatimah Salma Azzahra Fatmawati Fatmawati Fauzul Hanif Noor Athief Fiky Nila Mustika Galuh Thifal Anggraeni Hamidah, Raisa Aribatul Hamidah, Raisa Aribatul Harun Hidayati, Sukri Ilham Aji Saputro Imron Rosyadi Imron Rosyadi Indira Rahma Annisa Indriyani, Latifah Isman Isman Isman Izzuddin, Azzam Jamil, Fadila Ainur Jim, Mahafizur Rahman Kintan Indah Sriwahyuni Kusnul Khotimah Lukman Hakim Luthfi Aria Widyatama Mirza M. Mus’ab At-Thariq M. Rizal Arsyad Marissa Grace Haque Maulidyah Indira Hasmarini Muchamad Rizsal Sulistiyanto Muhamad Al Bagir Muhamad Nafik Hadi Ryandono Muhamad Taufik Hidayat Muhammad Anas Muhammad Hanif al Hakim Muhammad Sholahuddin Muhammad Zulkifli, Muhammad Musliah Isnaini Rahmawati Mustika, Fiky Nila Nida’ Al-Karimah Makkawi Nisa', Eka Lutfia Khoirun Nisrina Mar-atus Sholihah Nizam, Renaldi Sahrul Nofitri, Dian Novie Dwi Lestari Nugroho, Wisnu Adji Nur Aini Nur Jannah Nur Kasanah, Umi Nur Puji Rohmawati Nur Rizqi Febriandika Nurrahman, Aditya Nurrahman, Aditya Nurul Latifatul Inayati Prestiyono, Bagus Ledi Priandana, Damara Purbo Tyas, Gharnis Raditya Sukmana Rafi Siregar Rahayu Puji Lestari Raihan, Fadhiil Arkanur Raisa Aribatul Hamidah Raisa Aribatul Hamidah Rama, Nabila Rahmawati Refita Yunie Samhuri Renaldi Sahrul Nizam Ririn Tri Ratnasari Rizka Rizka Sanitra Septiana Sholikah, Nikmatus Sidiq, Achmad Fajar Siti Nurbaya Siti Nurbaya Sri Herianingrum Suranto Suranto Suratman, Asyifa Syauqi Syahidah, Yasmin Syaraf, Ahsan Barra Tata Leni Lestari Tika Widiastuti Triyono Adi Saputro Umi Nur Kasanah Wahyu Intan Kusumastuti Wardah Yuspin Wiguna, Aditama Chandra Wijayanti, Devi Wulandari, Zuli Yuli Tri Utami Yunie Samhuri, Refita Yusuf, Jibrail Bin Zifamina, M. Zainul Haq Fiddin