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Rasionalitas Dan Kesejahteraan: Peran Motivasi Dalam Konsumsi Yang Bertanggung Jawab Sirojul Munawwar; Anton Bawono
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 8 No. 1 (2026): (Maret 2026)
Publisher : Institut Agama Islam Yasni Bungo Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v8i1.1537

Abstract

This study aims to analyze the role of motivation in shaping responsible consumption behavior through the perspectives of rationality and welfare in Islamic economics. The study is motivated by the increasing tendency of consumerist behavior in society, where consumption decisions are often driven by desires rather than actual needs. Therefore, a deeper understanding of rationality and motivation based on Islamic principles is required. This research employs a qualitative approach using the library research method. Data were collected from various secondary sources, including academic journals, books, research reports, and other relevant scholarly publications. The data were analyzed through systematic processes of collection, review, and interpretation to gain a comprehensive understanding of rationality, motivation, and responsible consumption in Islamic economics. The findings reveal that rationality in Islamic economics is not merely oriented toward individual interests and utility maximization but also considers social welfare, adherence to Islamic law, and well-being in both worldly and eternal life. Consumption motivation in Islam should be based on the fulfillment of genuine needs, guided by the principles of halal and tayyib, while avoiding excessive consumption (israf) and wastefulness (tabdzir). Responsible consumption can be implemented through the adoption of a halal lifestyle, avoidance of prohibited practices such as maysir (gambling), gharar (uncertainty), and riba (usury), as well as balancing personal consumption with social responsibility through charity and acts of benevolence. Therefore, rationality and motivation serve as essential foundations for promoting responsible consumption behavior and achieving falah, or holistic well-being. Penelitian ini bertujuan untuk menganalisis peran motivasi dalam membentuk perilaku konsumsi yang bertanggung jawab melalui perspektif rasionalitas dan kesejahteraan dalam ekonomi Islam. Kajian ini dilatarbelakangi oleh meningkatnya kecenderungan perilaku konsumtif masyarakat yang sering kali didasarkan pada keinginan daripada kebutuhan, sehingga diperlukan pemahaman mengenai konsep rasionalitas dan motivasi yang sesuai dengan prinsip syariah. Metode penelitian yang digunakan adalah metode kualitatif dengan pendekatan studi kepustakaan (library research). Data diperoleh dari berbagai sumber sekunder berupa jurnal ilmiah, buku, laporan penelitian, dan sumber akademik lainnya yang relevan dengan tema penelitian. Analisis dilakukan melalui proses pengumpulan, pengkajian, dan interpretasi data secara sistematis untuk memperoleh pemahaman yang komprehensif mengenai konsep rasionalitas, motivasi, dan konsumsi yang bertanggung jawab dalam ekonomi Islam. Hasil penelitian menunjukkan bahwa rasionalitas dalam ekonomi Islam tidak hanya berorientasi pada kepentingan individu dan maksimalisasi kepuasan, tetapi juga mempertimbangkan kemaslahatan sosial, kepatuhan terhadap syariat, dan kesejahteraan dunia serta akhirat. Motivasi konsumsi yang sesuai dengan prinsip Islam harus didasarkan pada pemenuhan kebutuhan yang nyata, berlandaskan prinsip halal dan thayyib, serta menghindari perilaku israf dan tabdzir. Implementasi konsumsi yang bertanggung jawab dapat diwujudkan melalui penerapan gaya hidup halal, menghindari praktik yang mengandung unsur maysir, gharar, dan riba, serta menyeimbangkan aktivitas konsumsi dengan kepedulian sosial melalui sedekah dan berbagi kebaikan. Dengan demikian, rasionalitas dan motivasi menjadi fondasi penting dalam mewujudkan perilaku konsumsi yang bertanggung jawab dan berorientasi pada tercapainya falah atau kesejahteraan yang menyeluruh.
Nilai Waktu Uang dan Legitimasi Syariah: Analisis Konsep Time Value of Money dan Economic Value of Time Dalam Keuangan Islam Sirojul Munawwar; Imanda Firmantyas Putri Pertiwi
Dirosah Islamiyah Vol 1 No 3 (2026): Juli
Publisher : Dirosah Islamiyah: Jurnal Studi Islam

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Abstract

The Time Value of Money (TVM) serves as a core principle in conventional finance, asserting that current money is worth more than future money due to inflation, risk, and investment opportunities. However, Islamic finance debates this concept due to its strong association with interest-based practices, which fall under the prohibition of riba (usury). This study analyzes the concept of TVM in conventional economics, examines the Islamic financial perspective on the value of money over time, compares TVM with the Economic Value of Time (EVT), and evaluates its legitimacy based on Sharia principles and maqashid al-shariah. Using a qualitative-descriptive library research method, this study analyzes various recent scientific literatures. The results indicate that Islamic economics does not reject the value of time absolutely. Instead, it rejects any automated increase in monetary value that arises solely from the passage of time without real economic activity. As an alternative, Islamic economics offers the EVT concept, which treats time as a productive factor to generate economic value through genuine business operations. Islamic finance implements this time value through real transaction-based contracts including murabahah, ijarah, and mudharabah. These applications possess valid Sharia legitimacy as long as they remain free from riba (usury), gharar (uncertainty), and maisir (gambling) while promoting public welfare under maqashid al-shariah. This paradigm shift provides a strategic opportunity for the Islamic financial industry to build a more inclusive, equitable, and sustainable economic system.
The Role of Productive Waqf as an Instrument of Islamic Fiscal Policy Sirojul Munawwar; Rina Rosia
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.18781

Abstract

Penelitian ini bertujuan untuk menganalisis peran wakaf produktif sebagai instrumen kebijakan fiskal Islam dalam mendukung pembiayaan pembangunan sosial, khususnya di sektor pendidikan, kesehatan, dan pemberdayaan ekonomi masyarakat di Indonesia. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan riset kepustakaan, menganalisis literatur akademis, laporan resmi dari lembaga wakaf, dan dokumen kebijakan terkait pengelolaan wakaf produktif. Hasil penelitian menunjukkan bahwa wakaf produktif memiliki potensi besar sebagai sumber pembiayaan sosial jangka panjang yang berkelanjutan karena sifat permanen aset wakaf dan kemampuannya untuk menghasilkan arus dana yang stabil. Namun, optimalisasinya masih terhambat oleh keterbatasan kapasitas manajerial nazhir, rendahnya tingkat digitalisasi, lemahnya integrasi regulasi, dan kurangnya literasi masyarakat. Studi ini menyimpulkan bahwa wakaf produktif dapat berfungsi sebagai mekanisme pembiayaan publik alternatif yang efektif jika didukung oleh profesionalisasi nazhir, penguatan regulasi, inovasi digital, dan kemitraan multi-sektor.This study aims to analyze the role of productive waqf as an Islamic fiscal policy instrument in supporting social development financing, particularly in the education, health, and community economic empowerment sectors in Indonesia. The research employs a qualitative descriptive method with a library research approach, analyzing academic literature, official reports from waqf institutions, and relevant policy documents related to productive waqf management. The findings indicate that productive waqf has substantial potential as a sustainable long-term source of social financing due to the permanent nature of waqf assets and their ability to generate stable funding flows. However, its optimization remains constrained by limited managerial capacity of nazhir, low levels of digitalization, weak regulatory integration, and inadequate public literacy. The study concludes that productive waqf can serve as an effective alternative public financing mechanism if supported by the professionalization of nazhir, strengthened regulations, digital innovation, and multi-sectoral partnerships.
OPTIMALISASI KEUANGAN SOSIAL ISLAM SEBAGAI INSTRUMEN EKONOMI PEMBANGUNAN MASYARAKAT Sirojul Munawwar; Ahmad Mifdlol Muthohar
JSE: Jurnal Sharia Economica Vol. 5 No. 3 (2026): Juli
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/bvpbax74

Abstract

Islamic social finance is a sharia-based economic instrument that has significant potential to support community development through zakat, infaq, sadaqah, and waqf. This study aims to analyze the role of Islamic social finance in community economic development, identify the challenges in optimizing its management, and formulate development strategies based on Islamic economic principles. The research employs a qualitative approach with a descriptive research type through library research. Data were collected from scientific journals, books, regulations, and other relevant academic sources, and then analyzed using descriptive qualitative techniques. The findings indicate that Islamic social finance plays an important role in poverty alleviation, equitable wealth distribution, and community economic empowerment through the development of productive zakat and productive waqf. The study also reveals that the optimization of Islamic social finance still faces several challenges, including low public literacy, lack of transparency in management, and limited institutional digitalization. Therefore, strengthening institutional governance, implementing digital systems, and enhancing collaboration among stakeholders are essential steps to improve the effectiveness of Islamic social finance in promoting inclusive and sustainable economic development.