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All Journal IQTISHODUNA At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam El-Qish: Journal of Islamic Economics SENGKUNI Journal (Social Science and Humanities Studies) Bukhori: Kajian Ekonomi dan Keuangan Islam International Journal of Islamic Finance (IJIF)
Syafril, Syafwendi
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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LAW AND SOCIETY: INTERACTIONS AND RELATIONSHIPS Maryati, Sri; Qotadah, Hudzaifah Achmad; Achmad, Adang Darmawan; Syafril, Syafwendi
SENGKUNI Journal (Social Science and Humanities Studies) Vol. 5 No. 1 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/sengkuni.5.1.%p

Abstract

The presence of law within society is of paramount importance, as it serves to regulate human behavior. The law necessitates subjects, or implementers, namely the members of society, creating a reciprocal relationship between law and society. Consequently, law can function both passively and actively to control human actions, with the ultimate goal of guiding society toward deliberate and improved change. There are numerous objectives behind the creation of laws in societal life and the reasons why society necessitates their existence. Primarily, laws are established to foster peace, tranquility, welfare, and to provide legal certainty, ensuring that each individual can attain their rightful entitlements and justice. The comprehensive realization of these legal objectives within society, however, is contingent upon public adherence to the law. Therefore, it can be posited that a society devoid of guidelines, such as laws, would likely generate numerous disputes, resulting in a chaotic and arbitrary existence. This research adopts a qualitative approach and is analyzed descriptively The findings underscore the inherent interdependence between law and society, revealing that the efficacy of law is contingent upon its reception and implementation by society at large. Consequently, the symbiotic nexus between law and society emerges as indispensable for the attainment of societal order and justice. The symbiotic relationship between law and society is characterized by a reciprocal exchange, wherein society provides the necessary context and adherence for the efficacy of law, while law, in turn, serves as a guiding framework for societal behavior and interaction. This symbiosis is essential for fostering a cohesive and harmonious social fabric, wherein individuals coexist within a structured framework of rights, obligations, and responsibilities.
The Nexus between Sharia Principles and Banking: Why Islamic Values Matter in Islamic Banking? Syafril, Syafwendi
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 4 No. 2 (2025): Januari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v4i2.3486

Abstract

Purpose: This study aims to examine how Islamic principles and values serve as essential pillars in Islamic banking, distinguishing it from conventional practices. By analyzing the rationale behind prohibitions in Islamic banking, this research provides insights into their impact on stakeholders, clients, the Islamic banking industry, and society at large. Research Methodology: This study uses qualitative library research to explore the integration of Shariah principle in Islamic banking. Primary Islamic texts and secondary scholarly sources are reviewed systematically, and inductive thematic analysis highlights the ethical rationale behind prohibitions on interest (riba) and unethical investments, underscoring Shariah adherence as a foundational framework in Islamic finance. Results/Findings: Findings indicate that the adherence to Sharia principles within Islamic banks drives efficiency, risk protection, socio-economic benefits, such as wealth distribution, fair income distribution, sustainable growth, and social welfare. This provides a rational foundation for eliminating prohibited elements, emphasizing the broader social mission of Islamic banking. Conclusion: This study underscores the critical role of Sharia principles in Islamic banking, particularly emphasizing the prohibitions against riba, excessive uncertainty, and highly speculative investment. Limitations: This study focuses on the rationale behind prohibitions in Islamic banking broadly and does not empirically test the impact of each prohibition. Contribution: The study contributes to the field by rationalizing the importance of Sharia values in banking practices, illustrating how these principles create an ethical banking system that fosters mutual benefit rather than exploitation. This insight adds a nuanced perspective on the socio-economic benefits of non-interest-based banking models, which prioritize fairness and community welfare.
Is The Investment Account The Blue Ocean of Islamic Banking? Syafril, Syafwendi
International Journal of Islamic Finance Vol. 1 No. 2 (2023): November 2023
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ijif.v1i2.2021

Abstract

Background: Profit-Loss Sharing (PLS) and prohibition of interest are fundamental principles of Islamic banking. However, Islamic banking practice today seems move away from the ideal concept which is promoting PLS. Most of Islamic bank engage with less risky product and heavily relies on debt-based financing such as Murabaha. Objectives: This study aims to discuss the opportunity and challenge in offering PLS instrument to financial customer as blue ocean strategy of Islamic bank. Novelty: Islamic bank is expected to increase the portion of PLS instrument by offering investment account to support real sector growth. Additionally, this study provides economic rationale behind PLS instrument that Islamic banking may take into account. Research Methodology / Design: a qualitative approached is employed to identify the challenge and opportunity of using PLS in investment account. Data is collected from journal articles, book, and other documented sources. The content analysis is performed to investigate economic rationale behind investment account product and factors that make the instrument less popular among Islamic banking institution Findings: Profit and sharing investment account (PSIA) helps to overall employment creation by investing in real economic sector developments. Additionally, PSIA creates potential for equitable income distribution through wise capital allocation, by channeling capital units to micro, small, and medium-sized firms. Implication: The study can enrich Islamic finance literature in area of Islamic banking with regard to utilization of profit and sharing instrument for supporting real economic sector.
Managing Financing Risk In Islamic Banks Across Asean: The Role Of Financial Performance And Macroeconomic Factors Iqbal, Muhammad; Darmawan, Arif; Syafril, Syafwendi
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 10, No 2 (2024): DESEMBER 2024
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v10i2.14418

Abstract

This study rigorously examines the influence of Financial Performance and Macroeconomic Factors on the financing risk associated with Islamic banks within the ASEAN region. The analysis utilizes panel data collected from five countries—Indonesia, Malaysia, Brunei Darussalam, Thailand, and the Philippines—spanning the period from 2010 to 2019. A dynamic panel regression methodology, specifically the Arellano-Bond Generalized Method of Moments (GMM), is employed for this purpose. The findings indicate that Liquidity Risk (LRISK), Profitability (ROE), and Good Governance (GGV) significantly exacerbate financing risk, whereas the Capital Ratio (CAR) is found to significantly mitigate it. Conversely, Economic Growth (GDP) does not demonstrate a significant effect. Furthermore, financing risk is affected by its value in the preceding period (RISKt-1), underscoring its dynamic nature. These results highlight the crucial role of effective internal bank management in alleviating financing risks through enhanced capital adequacy, judicious liquidity management, and the implementation of sound governance practices. This study endeavors to contribute to the advancement of risk management strategies for Islamic banks in the ASEAN region.
Islamic Principles in Marketing: An Overview of Islamic Marketing mix in Social-Media Campaign Syafril, Syafwendi; Hadziq, M. Fuad
El-Qish: Journal of Islamic Economics Vol. 1 No. 1 (2021): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v1i1.1568.2021

Abstract

The increasing number of internet users among Muslims worldwide has open opportunities for business players to develop Islamic marketing and get attention from them. Social media becomes a popular platform for the Muslim community to interact, communicate, and share regarding humanity, education, donation, and the Islamic lifestyle. This paper arranges to analyzes the Islamic marketing mix that must be existed in social media campaigns. The Islamic principles in marketing are the main key to determine whether businesses not only provide sharia-compliant products and services but also succeed to comminates it based on Islamic ethics and value. The library research was conducted in research methodology to review marketing theory and concept from an Islamic perspective. Findings. The analytical result shows that the integrated Islamic principles such as halalan tayyiban, anti-monopoly, gharar, speculation, excessive action, manipulative sales tactic, etc., should be eliminated in the marketing mix in social media campaigns. All that aims to ensure marketing activities run properly according to Shariah principles.
Mudharabah in Islamic P2P Lending: A Critical Islamic Economics Perspective Syafril, Syafwendi; Wardhana, Firmansyah Shidiq
IQTISHODUNA IQTISHODUNA (Vol. 22, No. 1, 2026)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/iq.v22i1.40492

Abstract

This study analyzes the structural validity and Sharia compliance of mudharabah profit-sharing contracts used on Indonesian Islamic Peer-to-Peer (P2P) lending platforms. Using a qualitative normative legal approach, this study investigates the mudharabah contracts of two Sharia-compliant P2P platforms in Indonesia registered with the Financial Services Authority, Ammana.id and Qazwa.id. This study uses two benchmarks: the fatwas of the National Sharia Board of the Indonesian Ulema Council (DSN-MUI), and the Sharia standards of Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI), focusing on the absence of the guarantee of the capital, the uncertainty in profit, and the ambiguity in the loss. The findings show that there are two different methods of implementing mudharabah. Ammana.id employs a channeling agent model through Micro-Islamic Finance Institutions and maintains complete classical principles by exposing the investors to full financial risk and a profit distribution based on actual operating profit. On the other hand, Qazwa.id adopts a hybrid supply chain financing model, integrating mudharabah with murabahah contracts to enhance commercial viability, potentially undermining the fundamental equity-based risk-sharing character of mudharabah. Even though both platforms comply with the profit-sharing ratio provisions, the contradiction between Sharia authenticity and market viability, especially regarding capital loss allocation, persists. Most of the challenges are caused by the absence of sufficiently Sharia-compliant regulations on Fintech. This study is the first to systematically study the implementation of mudharabah contracts in Indonesian Islamic P2P lending and proposes a new analytical approach integrating classical contract parameters with Maqasid al-Sharia, coupled with proposals to improve some aspects of Islamic Fintech.
Co-Authors Achmad, Adang Darmawan Arif Darmawan Hadziq, M. Fuad Muhammad Iqbal Qotadah, Hudzaifah Achmad Sri Maryati Wardhana, Firmansyah Shidiq