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All Journal As-Syirkah: Islamic Economic & Financial Journal Referensi Islamika: Jurnal Studi Islam
Roisiyatin Roisiyatin
Institut Ummul Quro Al Islami Bogor
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Implementasi Akad Mudharabah dan Musyarakah pada Perbankan Syariah dalam Perspektif Fatwa DSN-MUI: A Systematic Literature Review Moh. Asep Zakariyah Ansori; Roisiyatin Roisiyatin; Dhio Novriyansa Gunawan; Reva Mardiana; Rizkia Rahmadianti; Viri Alviorita
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 3 (2026): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/xvpt5c29

Abstract

This study examines the implementation of mudharabah and musyarakah contracts in Islamic banking in Indonesia, based on DSN-MUI Fatwa No. 07 and No. 08 of 2000. This study uses the Systematic Literature Review (SLR) method following PRISMA guidelines, searching the Garuda and Google Scholar databases. From 50 articles found, 13 scientific journal articles were analyzed (2019–2025), supported by 9 reference books and 1 official data source (OJK, 2024). Data were analyzed using thematic synthesis to identify patterns and differences between studies. Four main themes were found: fatwa compliance, moral hazard, sharia financial literacy, and risk supervision. Mudharabah generally complies with the fatwa but still faces challenges such as side streaming and limited human resources. Musyarakah still shows inconsistencies in profit-sharing mechanisms and bank involvement. This study offers a thematic synthesis and a conceptual framework on compliance factors not widely found in previous research. This study recommends strengthening the Sharia Supervisory Board's role, improving human resource competence, and developing more detailed technical guidelines.
THE INFLUENCE OF AN INCLUSIVE FUNDRAISING STRATEGY BASED ON RELIGIOUS MODERATION ON THE DONATION INTEREST OF THE BOGOR REGENCY COMMUNITY Roisiyatin Roisiyatin; Wildan Munawar; Egi Agustian Rahmat Sukendar
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): June
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.455

Abstract

This study investigates the influence of an Inclusive Fundraising Strategy (IFS) grounded in religious moderation on Public Donation Interest (PDI) in Bogor Regency, Indonesia. It addresses the persistent gap between the region’s substantial philanthropic potential and its relatively low realization by examining whether inclusive fundraising practices can enhance public willingness to donate across religious communities. A quantitative explanatory survey design was employed using purposive sampling. Data were collected from 100 respondents representing diverse religious backgrounds in Bogor Regency through a structured five-point Likert-scale questionnaire. The data were analyzed using SPSS, including validity and reliability tests, classical assumption tests, simple linear regression, t-test, and coefficient of determination (R²). The results reveal that IFS has a positive and statistically significant effect on PDI (β = 0.484; p < 0.001). The regression model indicates that improvements in inclusive fundraising practices are associated with higher public donation interest. However, the model explains 23.4% of the variance in donation interest, suggesting that other determinants also influence individuals’ willingness to donate. The findings encourage philanthropic organizations to strengthen inclusivity, transparency, accessibility, and religious moderation within their fundraising strategies. Nevertheless, the cross-sectional design, single-predictor model, limited sample size, and focus on Bogor Regency restrict the generalizability of the findings. Future studies should incorporate additional variables and broader geographical coverage. This study offers an empirical contribution by integrating religious moderation into the concept of inclusive fundraising strategy and quantitatively demonstrating its association with public donation interest.
Co-Authors Dhio Novriyansa Gunawan Egi Agustian Rahmat Sukendar Moh. Asep Zakariyah Ansori Reva Mardiana Rizkia Rahmadianti Viri Alviorita Wildan Munawar