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All Journal Al-Kharaj: Journal of Islamic Economic and Business Iltizamat : Journal Of Economic Sharia Law and Business Studies
Rizalul Muslih Syawaluddin Hsb
Universitas Islam Negeri Sumatera Utara
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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An Analysis of the Impact of Flash Floods on the Economic Welfare of the Community in Batang Toru From the Perspective of Maqasid Sharia Rizalul Muslih Syawaluddin Hsb; Maryam Batubara; Muhammad Arif
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.12279

Abstract

This study analyzes the factors causing landslides and flash floods and their impact on the economic well-being of communities in Batang Toru District, South Tapanuli Regency, from the perspective of Maqasid Sharia. It was prompted by the flash flood disaster of 25 November 2025, which resulted in fatalities, infrastructure damage, loss of productive assets, and disruption of social-economic activities. This qualitative field research collected data through in-depth interviews, observation, and documentation involving the village head, the Regional Disaster Management Agency (BPBD), and affected residents, analyzed using the Miles, Huberman, and Saldaña interactive model. The findings show that the disaster was caused by the interaction of extreme rainfall, steep topography, the overflow of the Batang Toru River, land-use change, and river sedimentation. The disaster significantly affected economic well-being through damaged farmland, lost productive assets, halted economic activity, declining household income, heightened health risks, and disrupted children's education. From the Maqasid Sharia perspective, these impacts touch all five essential objectives of sharia: hifz al-din, hifz al-nafs, hifz al-'aql, hifz al-nasl, and hifz al-mal. Mitigation, emergency response, and rehabilitation efforts by the government, BPBD, and the community reflect the implementation of Maqasid Sharia values, although economic recovery still requires strengthening through environmental-conservation-based mitigation policy and post-disaster economic empowerment programs.
Digital Transformation in Islamic Finance: A Literature Review on Financial Inclusion, Digital Literacy, and Maqāṣid al-Sharī‘ah Rizalul Muslih Syawaluddin Hsb; Maryam Batubara; Yenni Samri Juliati Nasution
iltizamat Vol 5 No 2 (2026): Juni
Publisher : Program Studi Hukum Ekonomi Syariah Sekolah Tinggi Ilmu Syariah Miftahul Ulum Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55120/iltizamat.v5i2.2869

Abstract

This study examines how digital transformation reshapes Islamic financial inclusion, and how digital literacy and maqāṣid al-sharī‘ah interact within that process. Islamic financial institutions in Indonesia and other Muslim-majority countries have expanded digital channels, yet this expansion has not fully translated into broader, sharia-compliant inclusion, especially among micro-enterprises and low-literacy segments. The paper asks how digital transformation contributes to Islamic financial inclusion and how that contribution can be evaluated through maqāṣid al-sharī‘ah, a question prior reviews have rarely addressed in an integrated way, as they tend to treat inclusion, literacy, and maqāṣid separately. A narrative literature review was conducted on peer-reviewed articles and institutional reports published mainly between 2015 and 2026, retrieved from Scopus, Google Scholar, DOAJ, and Garuda, and analyzed through thematic synthesis. The review finds that digital transformation expands access and efficiency, but its benefits for inclusion depend heavily on users digital and sharia financial literacy, and that maqāṣid al-sharī‘ah -particularly hifẓ al-māl, hifẓ al-dīn, and social welfare- offers a coherent normative lens for assessing whether digitalization genuinely benefits the ummah rather than merely widening technological access. The paper concludes that digital transformation, digital literacy, and maqāṣid al-sharī‘ah should be treated as one integrated policy agenda, and it recommends further empirical and maqāṣid-based impact studies.
Co-Authors Maryam Batubara Maryam Batubara Muhammad Arif Yenni Samri Juliati Nasution