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All Journal Bertuah : Jurnal Syariah dan Ekonomi Islam Journal of Creative Power and Ambition (JCPA)
M. Djidin
Sekolah Tinggi Ekonomi Dan Bisnis Islam (STEBI) Lampung
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Redefining Economic Efficiency in Islamic Economics: A Maqasid-Based Approach to Sustainable Development Goals Ade Anastasya Surya; Indi Najmu Khadiq; Layinatul Marhamah; M. Djidin
Bertuah: Jurnal Syariah dan Ekonomi Islam Vol. 6 No. 2 (2025): Bertuah: Jurnal Syariah dan Ekonomi Islam
Publisher : Institut Agama Islam Negeri Datuk Laksemana Bengkalis, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/jsie.v6i2.1356

Abstract

The concept of efficiency in conventional economics is generally interpreted as an effort to maximize output with minimal resource use. This approach tends to be oriented solely toward instrumental rationality and economic growth, without comprehensively considering ethical dimensions, distributive justice, and ecological sustainability. On the other hand, the Sustainable Development Goals (SDGs) agenda demands a development paradigm that is not only economically efficient but also socially just and environmentally sustainable. This article aims to reconstruct the concept of efficiency in Islamic economics through the maqasid al-shariah approach and analyze its relevance to achieving the SDGs. This research is a literature review with a conceptual-analytical approach to various primary and secondary sources related to efficiency theory, maqasid al-shariah, and the SDGs framework. The study's findings demonstrate that efficiency from an Islamic economic perspective is not solely oriented toward optimizing resources, but rather toward achieving welfare (maslahah), balance (mīzān), and holistic well-being (falah). Thus, maqasid-based efficiency simultaneously integrates economic, social, and ecological dimensions. This concept is substantive and compatible with the SDGs, particularly in terms of poverty alleviation, inequality reduction, inclusive economic growth, and environmental protection. This study confirms that Islamic economics is not only aligned with the global sustainable development agenda but also offers an ethical-transcendental foundation that enriches the discourse on efficiency in contemporary development theory
Analysis of Factors that can Improve the Effectiveness of Murabahah Financing at PT. BPRS Tanggamus Kusbianto; M. Djidin; M. A. Achlami HS; Reza Ronaldo
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.2228

Abstract

This study aims to analyze the factors that contribute to improving the effectiveness of murabahah financing at PT. BPRS Tanggamus, Indonesia. A qualitative approach with a case study design was employed. Data were collected through in-depth interviews, direct observations, and documentation involving bank management, financing officers, and murabahah financing customers. Data analysis followed the interactive model of Miles, Huberman, and Saldaña, consisting of data condensation, data display, and conclusion drawing. The findings identify six interconnected factors contributing to murabahah financing effectiveness: financing eligibility assessment based on the 5C principles, Account Officer competence, continuous financing monitoring, service quality, sharia compliance, and customers’ economic conditions. Comprehensive financing analysis supports appropriate financing decisions and risk mitigation, while competent financing officers and consistent monitoring facilitate early identification of repayment difficulties. Transparent contracts and responsive services strengthen customer trust, whereas economic instability may reduce repayment capacity. However, inconsistencies in monitoring practices and limitations in officer competencies remain operational challenges. The study concludes that improving murabahah financing effectiveness requires an integrated management approach combining prudent financing assessment, professional human resources, continuous supervision, and adherence to sharia principles. These findings provide practical implications for strengthening financing management and supporting sustainable Islamic rural banking operations.
Co-Authors Ade Anastasya Surya Indi Najmu Khadiq Kusbianto Layinatul Marhamah M. A. Achlami HS Reza Ronaldo