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All Journal Al Itmamiy: Jurnal Hukum Ekonomi Syariah ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora
Nadiatul Maziyyah Attarwiyah
Universitas Islam Negeri Maulana Malik Ibrahim
Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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MODERASI FINANSIAL: PERBANKAN SYARIAH DI LUAR PASAR MUSLIM Nadiatul Maziyyah Attarwiyah; Umi Sumbulah; Ahmad Izzudin
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 8 No. 1 (2026): Al Itmamiy : Jurnal Hukum Ekonomi Islam
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/mqd3p721

Abstract

Bank syariah sering dipahami sebagai lembaga keuangan yang identik dengan umat Islam. Namun, kehadiran nasabah non-Muslim menunjukkan bahwa bank syariah tidak hanya bekerja dalam batas pasar Muslim, tetapi juga diterima dalam ruang ekonomi masyarakat plural. Kajian perbankan syariah selama ini lebih banyak membahas kepatuhan syariah, regulasi, dan perkembangan industri, sementara penerimaan nasabah non-Muslim belum banyak dibaca sebagai gejala moderasi finansial. Penelitian ini menganalisis penerimaan perbankan syariah di luar pasar Muslim. Sumber data terdiri dari literatur tentang perbankan syariah, moderasi beragama, ekonomi inklusif, dan nasabah non-Muslim. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif-analitis. Hasil penelitian menunjukkan bahwa (1) nasabah non-Muslim memilih bank syariah bukan terutama karena alasan teologis, melainkan karena rasionalitas ekonomi, seperti keamanan dana, transparansi akad, kualitas layanan, reputasi, dan kepercayaan. (2) Moderasi beragama dalam perbankan syariah bekerja melalui praktik ekonomi inklusif ketika lembaga berbasis nilai Islam melayani masyarakat lintas agama secara adil. (3) Syariah dalam perbankan bergeser dari simbol identitas komunal menuju etika ekonomi universal melalui nilai amanah, keadilan, kehati-hatian, transparansi, dan kemaslahatan. Implikasi kajian ini menunjukkan bahwa moderasi finansial dapat menjadi kerangka baru dalam membaca perbankan syariah di masyarakat plural serta mendukung kebijakan keuangan inklusif dan adil.
Instagram sebagai Arena Perjodohan Muslim: Ta‘Aruf Digital, Kesalehan Simbolik, dan Rekonfigurasi Intimitas Nadiatul Maziyyah Attarwiyah; Roibin; Ahmad Barizi
ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora Vol. 4 No. 3 (2026): ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/ka45vv63

Abstract

The practice of digital ta‘aruf on Instagram has become increasingly popular as an alternative form of Muslim matchmaking. However, studies specifically examining Instagram as an arena for ta‘aruf, the production of symbolic piety, and the transformation of Muslim intimacy patterns remain limited. This article aims to analyze digital ta‘aruf practices on the Instagram accounts @taaruf_an, @taaruf.uk, and @taaruf.time using Erving Goffman’s dramaturgical theory and Stig Hjarvard’s theory of the mediatization of religion.This study employs a qualitative method with a netnographic approach and visual discourse analysis. The primary data were obtained from account biographies, posts, captions, highlights, testimonials, participant codes, and registration mechanisms. The findings reveal that: (1) Instagram has become a new arena for Muslim matchmaking, shifting ta‘aruf from private spaces based on family, teachers, or community mediators into a more open, visual, and platform-structured digital space. (2) Symbolic piety is utilized as a strategy of legitimacy and trust through terms such as ta‘aruf, halal, ready for marriage, maintaining privacy, no dating, and leading to marriage. (3) Intimacy and privacy are reconfigured through short profiles, participant codes, direct messages (DMs), captions, testimonials, and platform-based selection mechanisms.This article contributes to the development of digital Islam studies by demonstrating that digital ta‘aruf is not merely the transfer of Muslim matchmaking practices to social media, but rather a process of reconstructing piety, trust, privacy, and intimacy through the platform logic of Instagram.
Co-Authors Ahmad Barizi Ahmad Izzudin Roibin Roibin Umi Sumbulah