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All Journal Jurnal Al-Iqtishad JURNAL PENDIDIKAN TAMBUSAI MALIA Jurnal Akuntansi Kompetif Al-Muqayyad Islamic Business and Finance (IBF) Jurnal Economica: Media Komunikasi ISEI Riau Likuid: Jurnal Ekonomi Industri Halal Indonesian Research Journal on Education Madani: Multidisciplinary Scientific Journal Amkop Management Accounting Review (AMAR) Al-Muzdahir: Jurnal Ekonomi Syariah JAWI : Journal of Ahkam Wa Iqtishad JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Socius: Social Sciences Research Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Al-Faruq Jurnal Pengabdian Masyarakat ISEI Journal of Economic, Management, Business, Accounting Sustainability Islamic Banking & Economic Law Studies
ANDRINI, ROZI
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Pengaruh Modal Usaha Dan Luas Lahan Terhadap Pendapatan Petani Sagu Di Kepulauan Meranti Dalam Perspektif Ekonomi Islam Hendrisman, Hendrisman; Herlinda, Herlinda; Andrini, Rozi
Journal of Economic, Management, Business, Accounting Sustainability Vol. 2 No. 1 (2025): Februari 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/joembas.v2i1.114

Abstract

This research aims to analyze the influence of business capital and land area on the income of sago farmers in the Meranti Islands from an Islamic economic perspective. The analysis in this research uses independent variables, namely Business Capital (X1) and Land Area (X2). Meanwhile, the dependent variable in this research is Sago Farmer Income (Y). The samples for this research were taken from sago farmers in the Sungai Tohor area, Tebing Tinggi Timur District, Meranti Islands Regency, located on the Tohor River using the Quantitative Correlational method. Data collection techniques were carried out using qualitative descriptive methods. The population of this study were sago farmers with 82 respondents in Sungai Tohor, Tebing Tinggi Timur District, Meranti Islands Regency who had a dry sago starch production capacity of 400 tons per month, involving 18 sago refinery IKMs. The result is that business capital and land area have a positive and significant influence on the income of sago farmers in the Tohor River area, Tebing Timur District, Meranti Islands Regency. This is proven by showing that the business capital variable has a significance value of 0.045, which is smaller than 0.050 (0.045 < 0.050), and is supported by the results of statistical calculations which show that t count > t table. And the land area results of the multiple linear test show that the land area variable has a significance value of 0.023. Business capital and land area have an influence on the income of sago farmers in the Sungai Tohor area, Tebing Timur District, Meranti Islands Regency. This is shown by the results of the F statistical test on all independent variables in the model which have an influence on the dependent variable simultaneously, supported by the results of statistical calculations which show that calculated f > f table f is obtained at 5.741 with a significance of 0.005, this shows that this regression model is feasible to use. Because the significance level is smaller than 0.050, it can be said that working capital and land area have a simultaneous and significant effect on the income of sago farmers. It can be concluded that business capital and land area play an important role in determining farmer income.
Peran Perbankan Syariah Sebagai Nazhir Wakaf Uang di Indonesia Ananda, Lili Permata; Andrini, Rozi
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 11 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini mengeksplorasi peran perbankan syariah sebagai nazhir wakaf uang di Indonesia, khususnya dalam konteks transformasi digital. Menggunakan pendekatan kualitatif, penelitian ini menganalisis implementasi, tantangan, dan peluang terkait pengelolaan wakaf uang di lembaga perbankan syariah. Hasil penelitian menunjukkan bahwa bank syariah telah secara signifikan meningkatkan pengelolaan wakaf uang melalui integrasi teknologi finansial, yang meningkatkan efisiensi dan transparansi. Namun, tantangan terkait kepatuhan regulasi dan kapabilitas sumber daya manusia masih ada. Studi ini menekankan pentingnya kolaborasi antara bank syariah dan platform fintech untuk mengoptimalkan penghimpunan dan pengelolaan wakaf uang sekaligus memastikan akses yang lebih luas bagi masyarakat. Selain itu, penelitian ini menyoroti kebutuhan akan kerangka regulasi yang mendukung dan peningkatan kompetensi digital di perbankan syariah untuk memaksimalkan potensi wakaf uang di Indonesia. Secara keseluruhan, penelitian ini menekankan bahwa digitalisasi perbankan syariah dapat berkontribusi signifikan terhadap pertumbuhan wakaf uang, yang pada akhirnya memberikan manfaat bagi perkembangan sosial dan ekonomi di negara ini.
Analisis Kesesuaian Fintech Syariah Berdasarkan Konsep-Konsep Syariah Adel, Ichsanul Reihan; Andrini, Rozi
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.30078

Abstract

Penelitian ini membahas kesesuaian financial technology (fintech) dengan prinsip-prinsip keuangan syariah yang meliputi akad, maqashid al-syari’ah, serta kepatuhan terhadap nilai-nilai Islam. Tujuan kajian ini adalah untuk mengidentifikasi integrasi prinsip syariah dalam praktik fintech, serta menganalisis tantangan dan peluang pengembangan fintech syariah di Indonesia. Metode penelitian menggunakan pendekatan deskriptif kualitatif melalui studi pustaka dari berbagai literatur nasional dan internasional. Hasil penelitian menunjukkan bahwa meskipun fintech dapat menjadi solusi inklusi keuangan, implementasinya masih menghadapi kendala regulasi, standar akad, dan literasi masyarakat. Oleh karena itu, diperlukan regulasi khusus dan edukasi menyeluruh agar fintech syariah dapat berkembang sesuai dengan konsep keuangan Islam. Penelitian ini juga menekankan peran penting pemerintah, institusi pendidikan, dan lembaga keuangan dalam membentuk ekosistem fintech syariah yang berkelanjutan
Analisis Perkembangan Sosial Ekonomi Peradapan Islam Masa Khulafaur Rasyidin Adel, Ichsanul Reihan; Wahyudi, Wahyudi; Andrini, Rozi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i2.1529

Abstract

This research discusses the social and economic analysis during the Khulafaur Rasyidin period. The main problem examined is how the policies implemented by Abu Bakar, Umar, Utsman, and Ali impacted the economic development and social stability of the Muslim community. The objective of this study is to analyze and describe the effects of social and economic policies during that era on the establishment of a strong and sustainable Islamic civilization foundation. The method used is a literature study with a descriptive approach, where data is obtained from books, scientific articles, and relevant published documents. The data is systematically analyzed to map the impact of zakat policies, wealth distribution, infrastructure development, and internal conflicts that occurred. The conclusion of this research indicates that the Khulafaur Rasyidin period serves as an important foundation for the development of the Islamic socio-economic system. Although various political challenges and internal conflicts hindered economic growth during Ali's time, the policies of zakat redistribution and administrative reforms implemented by the other caliphs significantly contributed to the social and economic welfare of the Muslim community.
Kajian tehadap Faktor yang Mempengaruhi Pertumbuhan Asuransi Syariah di Indonesia Anjelina, Juwita; Andrini, Rozi
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v4i2.3881

Abstract

Asuransi syariah merupakan bagian penting dari industri keuangan syariah yang memiliki prospek besar di Indonesia, negara dengan populasi Muslim terbesar di dunia. Meskipun potensinya besar, penetrasi pasar asuransi syariah masih rendah dibandingkan dengan asuransi konvensional. Penelitian ini bertujuan untuk menganalisis berbagai faktor yang mempengaruhi pertumbuhan asuransi syariah di Indonesia. Metode yang digunakan adalah studi pustaka dengan pendekatan deskriptif kualitatif, di mana sumber data diperoleh dari buku, jurnal, laporan resmi, dan dokumen relevan lainnya. Hasil penelitian menunjukkan bahwa terdapat beberapa faktor utama yang mendorong pertumbuhan asuransi syariah, antara lain tingkat pendidikan dan pendapatan, peningkatan jumlah unit usaha syariah, peran strategi energi pemasaran, layanan digitalisasi, dukungan regulasi yang jelas, serta peningkatan literasi keuangan masyarakat. Penelitian ini juga menemukan peluang seperti kolaborasi dengan fintech dan peningkatan aksesibilitas melalui teknologi digital. Di sisi lain, tantangan yang dihadapi mencakup rendahnya literasi masyarakat, keterbatasan sumber daya manusia yang profesional, dan kurangnya promosi produk. Implikasi dari penelitian ini menekankan pentingnya sinergi antara pemerintah, industri, akademisi, dan masyarakat dalam mengembangkan strategi yang efektif untuk memperluas jangkauan dan meningkatkan kepercayaan terhadap asuransi syariah. Dengan pendekatan yang tepat, asuransi syariah dapat tumbuh secara berkelanjutan dan inklusif di Indonesia.
Regional Synergy Model in Strengthening Islamic Social Finance: Southeast Asian Perspective Zakiyah, Hanifah; Andrini, Rozi
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v4i2.3989

Abstract

Islamic Social Finance (ISF) is a vital instrument in promoting economic justice in Islam through the management of zakat, infaq, sadaqah, and waqf (ZISWAF). In Southeast Asia, Muslim-majority countries such as Indonesia, Malaysia, and Brunei have developed national-level ISF systems. However, regulatory fragmentation, the absence of cross-border coordination, and suboptimal technological integration remain significant barriers to collective efforts aimed at empowering the Muslim community at the regional level. This research designs an adaptive and sustainable regional synergy model in strengthening Islamic Social Finance in Southeast Asia. The research employs a descriptive qualitative approach, relying on in-depth literature analysis of regulations, institutional reports, and academic publications in the field of Islamic social finance. Data were analyzed using content analysis to identify challenges and opportunities for inter-country collaboration and to develop a conceptual framework for cross-border synergy. The findings reveal a high potential for ISF in the region, supported by a large Muslim population, active managing institutions, and advancing digitalization in several countries. Nonetheless, disparities in legal systems, lack of data sharing, and the dominance of national approaches serve as major constraints. This article proposes the establishment of a synergy model consisting of a regional coordinating institution, a Southeast Asia ISF data center, and a shared digital platform for managing cross-border ZISWAF funds. The study recommends ASEAN support in creating a regional legal framework for ISF, the development of cross-national human resources, and collaborative research to ensure effective and sustainable implementation.
ANALYSIS OF PRODUCTIVE WAQF FINANCIAL MANAGEMENT AT THE INDONESIAN WAKAF BOARD (BWI) REPRESENTATIVE OF RIAU PROVINCE Andrini, Rozi
Jurnal Al-Iqtishad Vol 19, No 1 (2023)
Publisher : Economic and Science Faculty of Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jiq.v19i1.21426

Abstract

The Indonesian Waqf Agency (BWI) Representative for Riau Province exists as an independent institution to support the development of waqf in Riau Province. As an independent institution, BWI functions, one of which is to manage and develop waqf assets on a national and international scale. However, phenomena in the field show that waqf funds at BWI are still relatively small to be managed. This study aims to analyze productive waqf financial management at BWI Riau Province Representative. This research is field research (field research) with a qualitative approach. The results of the study show that the Indonesian Waqf Agency (BWI) Representative of Riau Province has carried out financial management well and at this time productive waqf financial management has been carried out according to the standards set by BWI. However, there are drawbacks, namely that it is only limited to managing the types of cash waqf deposited in Islamic banks. In addition, BWI has problems in financial management, namely the absence of a Sharia Guarantee Institution. This research is expected to provide recommendations for the BWI Riau Province Representative in managing productive waqf finances as well as material for evaluating the functions of BWI.
Analisis Kondisi Sosial Ekonomi Peradaban Islam Zakiyah, Hanifah; Indrayani, Sufi; Anjelina, Juwita; Andrini, Rozi
Indonesian Research Journal on Education Vol. 5 No. 1 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i1.1939

Abstract

Sistem sosial ekonomi masyarakat Arab pra-Islam ditandai dengan kemajuan perdagangan dan pengembangan pertanian yang signifikan, dengan Mekah sebagai pusat perdagangan yang strategis. Penduduknya terbagi menjadi suku Badui nomaden dan suku Hadari yang menetap, yang bergerak di bidang pertanian dan perdagangan. Terlepas dari sifat-sifat positif mereka, masyarakat di masa itu masih dalam masa jahiliyah, yang ditandai dengan ketidakadilan dan kebodohan. Berbeda dengan sistem kapitalis dan sosialis, yang seringkali gagal menjamin kesejahteraan, ekonomi Islam menghadirkan alternatif yang adil dan manusiawi yang berakar pada prinsip-prinsip yang ditetapkan pada periode awal Islam. Kebijakan ekonomi Nabi Muhammad (SAW) dan Khulafaur Rasyidin menekankan distribusi kekayaan yang adil dan praktik-praktik yang beretika. Saat ini, ekonomi Islam berkembang di negara- negara seperti Indonesia dan Malaysia, menumbuhkan kesadaran akan industri halal. Makalah ini menggarisbawahi pentingnya penerapan prinsip-prinsip ekonomi Islam berdasarkan Al-Qur'an dan Hadis untuk mempromosikan keadilan sosial dan kesejahteraan bagi generasi mendatang.
The Marginalized Maqasid al-Shariah Problems of Profit Orientation in Indonesia's Islamic Financial System Arum, Hafidza Sanshia; Andrini, Rozi
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6244

Abstract

Introduction: This study addresses the growing concern over the marginalization of maqasid al-shariah the ethical and social objectives of Islamic law in Indonesia’s Islamic financial institutions (IFIs). Despite notable growth in assets and institutional presence, many IFIs remain fixated on profit-maximization, often replicating conventional banking models and neglecting the core values of Islamic economics such as justice, welfare, and human dignity. Methods: This research employs a qualitative-descriptive approach using a normative-philosophical method. Data were collected through document and content analysis of Islamic financial regulations, fatwas, academic publications, and policy papers. The study also applies triangulation to enhance data validity and reliability.. Results: Findings indicate that profit orientation dominates Islamic banking operations in Indonesia, with little institutional incentive to implement maqasid-aligned policies. Regulatory indicators such as ROA and CAR fail to reflect social objectives, and maqasid literacy among practitioners remains low. These gaps have contributed to reduced social impact, especially among lower-income groups who are central to maqasid values. Conclusion and suggestion: The study recommends the integration of a Maqasid Shariah Index (MSI) into regulatory evaluation tools, development of socially-oriented products such as qard hasan and productive waqf, and mandatory maqasid education for IFI leadership. These steps aim to create a more balanced, ethical, and socially inclusive Islamic financial ecosystem in Indonesia.
The Role of Sharia-Based Non-Bank Financial Institutions in Supporting Islamic Banking in Indonesia Fadhil, Muhammad; Andrini, Rozi; Afifah, Dhiya Dwi
JAWI : Journal of Ahkam Wa Iqtishad Vol. 2 No. 3 (2024): JAWI - SEPTEMBER
Publisher : MUI Kota Pekanbaru

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Abstract

The Islamic non-bank financial Industry (NBFI syariah) plays an important role in supporting the growth and strengthening of Islamic banking in Indonesia. The existence of NBFI syariah, such as Islamic insurance, Islamic financing, Islamic pension funds, and Islamic capital markets, is an integral part of the national Islamic financial ecosystem. This article aims to analyze the strategic contribution of NBFI syariah in supporting the development of Islamic banking through a descriptive-qualitative approach based on literature reviews and secondary data from the Financial Services Authority (OJK), Bank Indonesia, and other relevant institutions. The findings indicate that Islamic non-bank financial institutions expand the reach of Islamic financial services, enhance financial literacy and inclusion, and provide alternative financing and risk mitigation options in line with Islamic principles. Synergistic collaboration between Islamic banking and non-banking financial institutions is considered capable of strengthening the overall stability of the Islamic financial system. Therefore, strengthening regulations, improving institutional capacity, and product innovation are key to optimizing the role of Islamic non-bank financial institutions in promoting inclusive and sustainable Islamic banking growth in Indonesia.
Co-Authors Adawiyah, Robiyatul Adel, Ichsanul Reihan Afifah, Dhiya Dwi Albahi, Muhammad Alhalimi, Kamila Amanda, Elisa Ananda, Lili Permata Anjelina, Juwita Arum, Hafidza Sanshia Asyrofi, Muhammad Zuhdi Desi Andriani Fitri Amalia Hasanah , Nur Hendrisman, Hendrisman Herlinda Herlinda, Herlinda Indrayani, Sufi jenita jenita, jenita Julika, Leny Kartika, Meri Lubis, Haniah Muhammad Fadhil Munir, Alchudri Resti, Okfi Rismawati, Viona Rosadi, Syukri Selvia, Dinda Syahpawi Syamsurizal - - Tajul ‘Ula, Tajul Virna, Marlinda Intan Wahyudi Wahyudi Zakiyah, Hanifah Zefri Maulana