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All Journal Jurnal Al-Qadau: Peradilan dan Hukum Keluarga Islam JURNAL PENDIDIKAN TAMBUSAI Khatulistiwa: Journal of Islamic Studies Iqtishoduna: Jurnal Ekonomi Islam Al-Maslahah Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Jurnal Ar-Ribh J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Healthy Tadulako Journal (Jurnal Kesehatan Tadulako) Islamic Accounting and Finance Review POLICY, LAW, NOTARY AND REGULATORY ISSUES (POLRI) YASIN: Jurnal Pendidikan dan Sosial Budaya Al-Maqashid: Journal of Economics and Islamic Business Indonesian Journal of Contemporary Multidisciplinary Research Madani: Multidisciplinary Scientific Journal JPNM : Jurnal Pustaka Nusantara Multidisiplin AL-SULTHANIYAH Riwayat: Educational Journal of History and Humanities Socius: Social Sciences Research Journal JSE: Jurnal Sharia Economica Al-Jadwa: Jurnal Studi Islam Anayasa J-CEKI PESHUM
Lutfi, Mukhtar
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Evaluasi Program Kampung Zakat Baznas dengan Menggunakan Logic Model Pratiwi, Nurul; Lutfi, Mukhtar; Haddade, Abdul Wahid
Al-Jadwa: Jurnal Studi Islam Vol. 4 No. 1 (2024): September
Publisher : Universitas Islam Internasional Darullughah Wadda'wah Bangil Pasuruan Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/aljadwa.v4i1.1736

Abstract

Bulukumba is one of the areas designated as the location of the zakat village program which has been running for four years. Therefore, the program needs to be evaluated to measure the effectiveness of the program. This evaluation uses the Logic Model. This study aims to evaluate the Baznas zakat village program in Kahayya Village, Bulukumba Regency using the Logic Model. This research uses mixed methods research. The purpose of this research is to evaluate the Input, Activity, Output, Outcome of Kampung Zakat program in Kahayya Village. The results showed that in the baznas zakat village program in Kahayya Village, various activities were carried out such as providing direct assistance to people in need, training and workshops to improve skills and knowledge, socialization and guidance in various fields such as education, health, economy, da'wah, and humanity. In addition, there are also ben˙cana response activities, procurement of facilities and infrastructure, and efforts to empower communities through various productive economic programs. Statistical test results show that there is a significant difference in the amount of mustahik income before and after the Kahayya Village zakat village program and there is a significant relationship between the length of time receiving assistance and the amount of zakat assistance with the amount of income after the zakat village program in Kahayya Village.
Halal Industry Development Strategy in The Cosmetics Sector: A Study of Islamic Business Ethics Sapsuha, Mubasysyyratul Ummah; Siradjuddin, Siradjuddin; Lutfi, Mukhtar
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.7677

Abstract

The development of the halal cosmetics industry is no longer just an option, but an urgent need in the face of changing consumer preferences and global market dynamics. The increasing awareness of the Muslim community towards halal cosmetic products is reflected in the significant growth of the global halal cosmetics market in recent years. This encourages various cosmetic manufacturers to develop their halal product lines, but there are still challenges in implementing halal standards. Using literature studies, this study examines the halal cosmetics industry's development strategy from the Islamic business ethics perspective. This study found that the application of Islamic business ethics in the halal cosmetics industry not only includes the halal aspect of the product but also includes the aspect of consumer safety. For this reason, Islamic business ethics is needed as a strategy for the development of halal cosmetics, namely through the fulfillment of business ethics principles and the implementation of business ethics. The implementation of this strategy (Islamic business ethics) not only creates a competitive advantage for cosmetic manufacturers but also provides a guarantee of halal and product safety for Muslim consumers. In addition, a consumer needs to understand halal and safe cosmetics by checking halal labels and cosmetic composition. So, consumers will not be deceived by cosmetics with fake halal labels or harmful cosmetics.
Membuka Gerbang Emas: Potensi Besar Pembiayaan Syariah Dalam Pengembangan Industri Halal Di Indonesia Sudarmi, Sudarmi; Lutfi, Mukhtar; Siradjuddin, Siradjuddin; Agus Syam; Hasisa Haruna
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 3: April 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i3.7473

Abstract

Penelitian ini menggunakan metode penelitian kualitatif . Penelitian ini yaitu Mewabahnya trend industri halal global menjadi isu krusial yang penting untuk dibahas oleh para penggiat ekonomi syariah, karena halal tidak hanya sekedar pemenuhan kebutuhan dan kepatuhan umat muslim terhadap syariah akan tetapi menjadi salah satu standar prioritas yang diakui dunia. Tujuan dilakukannya kajian ini ialah untuk menggambarkan secara komprehensif terkait potensi besar pembiayaan syariah dalam pengembangan ndustri halal di Indonesia, sehingga hasil penelitian dapat dijadikan sebagai rujukan dalam menetapkan kebijakan bagi pemerintah maupun pemangku kepentingan dalam mengembangkan industri halal di Indonesia. Penelitian ini merupakan penelitian kualitatif deskriptif dengan menggunakan pendekatan teologi normatif dan fenomenologi, dengan sumber data sekunder yang diperoleh melalui buku, jurnal, artikel, data laporan, dan berbagai sumber keilmiahan yang relevan. Hasil penelitian diketahui bahwa potensi pembiayaan syariah dalam pengembangan industry halal di Indonesia sangat besar tidak hanya sektor makanan dan minuman, namun industri halal sudah melebar luas mencakup sektor keuangan syariah, fashion muslim, kosmetik, farmasi, travel, hotel, pariwisata, media dan termasuk rekreasi flim. Indonesia memiliki potensi besar untuk mengembangkan industri halal selain Indonesia sebagai negara penduduk muslim terbesar dunia, oleh karena itu kolaborasi dengan berbagai pihak, seperti pihak pemerintah, industry dan akademisi, ini menggambarkan betapa krusialnya kolaborasi antara kebijakan publik dan sektor swasta dalam menciptakan ekosistem bisnis halal yang berkelanjutan di Indonesia.
ISLAMIC ECONOMIC THOUGHT OF THE TIME OF RASULULLAH SAW AND KHULAFAURRASYIDIN: SOLU-TIONS AND CHALLENGES OF THE CONTEMPORARY TIME Ramlah, Ramlah; Sapa, Nasrullah Bin; Lutfi, Mukhtar
Khatulistiwa Vol 15, No 1 (2025)
Publisher : The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/khatulistiwa.v15i1.3216

Abstract

This article examines Islamic economic thought during the time of Prophet Muhammad and the Khulafaur Rasyidin, which laid a significant foundation for Islamic economics. The study focuses on the relevance of Islamic economic concepts in addressing modern issues such as social inequality and economic exploitation. The research problem explores how early Islamic economic thought can provide solutions to current economic challenges. The study employs a literature review method, analyzing key Islamic principles such as zakat management, prohibition of usury, land distribution, and fiscal policies. Findings reveal that Islamic economic principles emphasize social justice and wealth distribution, offering viable solutions to contemporary economic problems. The article suggests integrating Islamic social justice principles into modern economic systems to reduce global economic inequality. In conclusion, the economic thought of the Prophet Muhammad and Khulafaur Rasyidin is highly relevant for building a more equitable and inclusive economic system. 
Influence of Literacy and Access to Information Media Regarding The Interest of Communities with Land Wakaf at The East Adonara District Office of Religious Affairs (KUA) Sri Syamsiar, Indriyani; Lutfi, Mukhtar; Wardy Putra, Trisno
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 17 No. 1 (2024): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v17i1.210

Abstract

Even though land waqf is included in Islamic teachings, there are still many people who are not aware of the importance of the existence of land for the benefit of the people. Waqf land is regulated in several Indonesian Constitutions which are run by KUA throughout Indonesia. The KUA of Adonara Timur Subdistrict as a forum for channeling land waqf has many shortcomings. Communities, religious leaders, KUA staff, officials who have credibility and power in the social order of life need to be massive in conducting socialization so that literacy, access to information media can support community interest in waqf land. The aim of the study was to determine the effect of literacy and access to information media on the interest in waqf for the people of East Adonara District, East Flores Regency, East Nusa Tenggra Province (NTT). This research was conducted at the KUA Office in East Adonara District with a sample size of 50 respondents who were determined through purpove sampling. This type of quantitative research with data collection methods uses a questionnaire consisting of three variables, namely literacy, access to information media and interest in waqf. Data analysis utilized the Multiple Linear Regression Test which was processed using SPSS version 25. The results showed that the level of influence of literacy on interest in waqf was included in the significant category with a sig. on variable X1 (literacy) of 0.00 ttable of 2.013, the level of influence of access to information media on interest in waqf is a significant category with a sig value. 0.00 ttable 2, 013 and the level of influence of literacy and access to information media on interest in waqf is a significant category with a sig. 0,000 Ftable 3,195. This effect is described in the coefficient of determination test (R2), namely the influence of variables X1 (literacy) and X2 (access to information media) on variable Y (interest in waqf) with a percentage of influence of 86.5%.
Use Of Zakat Funds For Productive Purposes In Indonesia Khaliq, Abdul; Lutfi, Mukhtar; Muin, Rahmawati; Jaya, Asri
Jurnal Ar-Ribh Vol 6, No 1 (2023): April 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i1.10632

Abstract

Peraturan  zakat  di  Indonesia  mengatur  bahwa  zakat  dapat  dimanfaatkan  untuk  tujuan  produktif  dalam  rangka  penanganan  fakir  miskin  dan peningkatan  kualitas  umat.  Kajian  ini  bertujuan  untuk  mengkaji  pendayagunaan  dan  pembukuan  zakat  untuk  tujuan  produktif  serta dipraktekkan  oleh  lembaga  zakat.  Zakat  untuk  tujuan  produktif  biasanya  dikaitkan  dengan  pinjaman  atau  dana  bergulir.  Hal  itu  menimbulkan kontroversi  di  kalangan  ulama.  Perbedaan  konsep  zakat  menimbulkan  kontroversi  tentang  hak  milik  dan  perlakuan  zakat.  Tulisan  ini menawarkan  alternatif  pemanfaatan  zakat  atau  infaq/sadaqat  dari  perspektif  pertimbangan  fiqh  dan  akuntansi.
Inovasi Akad Pembiayaan Kartu Kredit pada Perbankan Syariah Susanto, Dedi; Rayyahun, Annisa; Sukmana, Ahyana Syahila; Lutfi, Mukhtar
AL-SULTHANIYAH Vol. 14 No. 2 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i2.3593

Abstract

Islamic credit cards are one of the innovations in the Islamic financial system aimed at providing non-cash transaction facilities while adhering to Islamic principles. This study aims to identify the challenges and issues faced by Islamic banks in developing and implementing Islamic credit card products in Indonesia. The research method used is a literature study with a descriptive qualitative approach, referring to academic literature, fatwas from the National Sharia Council (DSN-MUI), and banking regulations. The results show that Islamic banks face several key challenges, including limited public understanding of sharia-based contracts, the need for adequate supporting technology systems, and intense competition from more widely known conventional credit cards. In addition, limited product innovation and the need for harmonization between sharia regulations and national financial authority policies remain significant obstacles. Therefore, synergy between regulators, industry players, and academics is necessary to strengthen Islamic credit card products through education, sharia financial literacy, and the development of competitive yet sharia-compliant features.
Literasi Keuangan Nasabah terhadap Pemahaman Sistem Pembiayaan Pegadaian Syariah di Indonesia Shahrin, Attori Alfi; Ar Rozi, Habib Aziz; Lutfi, Mukhtar; K, Amiruddin
Al-Maqashid: Journal of Economics and Islamic Business Vol. 5 No. 1 (2025): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v5i1.1597

Abstract

This research aims to analyze the relationship between customer financial literacy and understanding of the financing system implemented at Sharia Pegadaian in Indonesia. Financial literacy, which includes knowledge, skills and attitudes towards financial management, plays an important role in supporting wise financial decision making, especially in the context of Islamic financial services. This study uses library research. The research results show that customers' financial literacy levels still vary, with several main obstacles such as a lack of understanding of sharia contracts and sharia-based financing mechanisms. Statistical analysis shows a significant positive relationship between financial literacy and understanding of the sharia financing system. These findings emphasize the importance of structured educational efforts to increase financial literacy, especially among people who have not been optimally served by formal financial institutions.
Development Of The World Halal Industry Halal Guarantee System In Its Development In Some Countries Ri Esso*, Andi Sawe; Ismail, Ismail; Lutfi, Mukhtar
Riwayat: Educational Journal of History and Humanities Vol 7, No 2 (2024): April, The Election and Political History
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v7i2.39187

Abstract

This article discusses the development of halal guarantee systems in several countries and its implications for the global food and beverage industry. With increasing consumer awareness of halal products, demand for halal products continues to increase significantly. Therefore, countries that have large Muslim populations or significant export markets to Muslim-majority countries have developed comprehensive halal assurance systems. This article examines some of the approaches taken by countries such as Malaysia, Indonesia, Turkey and the United Arab Emirates in building and managing their halal assurance systems. Apart from that, the economic, social and political implications of this halal guarantee system are also discussed. Through this analysis, this article provides insight into how the halal guarantee system plays a role in driving the growth of the food and beverage industry in an increasingly developing global market.
Peluang dan Tantangan Pengembangan Lembaga Keuangan Syariah di Indonesia: BMT, Leasing Syariah, dan Modal Ventura Syariah Sri Muntu, Andi Tenri; Ilham , Muhammad; Kadir , Amiruddin; Lutfi, Mukhtar
JPNM Jurnal Pustaka Nusantara Multidisiplin Vol. 3 No. 2 (2025): July : Jurnal Pustaka Nusantara Multidisiplin
Publisher : SM Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59945/jpnm.v3i2.568

Abstract

Jurnal ini mengkaji peran, tantangan, dan peluang Lembaga Keuangan Syariah (LKS) di Indonesia, dengan fokus pada Baitul Maal Wat Tamwil (BMT), Leasing Syariah, dan Modal Ventura Syariah. Penelitian ini menggunakan pendekatan kualitatif dengan menganalisis literatur yang ada. Hasil penelitian menunjukkan bahwa meskipun lembaga-lembaga ini berperan penting dalam pemberdayaan ekonomi, mereka menghadapi tantangan seperti kurangnya pemahaman masyarakat tentang prinsip syariah, keterbatasan sumber daya, dan regulasi yang belum optimal. Pembahasan mengidentifikasi peluang untuk pengembangan sektor ini, termasuk peningkatan kesadaran masyarakat, pemanfaatan teknologi digital, dan dukungan kebijakan pemerintah. Kesimpulannya, meskipun menghadapi tantangan, LKS memiliki peluang besar untuk berkembang dan memberikan kontribusi terhadap pembangunan ekonomi yang berkelanjutan di Indonesia.
Co-Authors Abdul Khaliq Abdul Wahab Abdullah, Muhammad Wahyuddin Abdullah, Wahyuddin Achmad Musyahid, Achmad Agus Syam Ahmad Muhajir, Ahmad Aisyah Aisyah Ar Rozi, Habib Aziz Arsyadi, Baso Asmira, Sri Asni Asni Asri Jaya Azizah Nurdin, Azizah Bakry, Muammar Muh. Basri, Muh. Arfah Dedi Susanto Ghalib, Muhammad Haddade, Abdul Wahid hasim, cani Hasisa Haruna Herman, Muhammad Akbar Ilham , Muhammad Ismail Ismail K, Amiruddin Kadir , Amiruddin Kadir, Amiruddin M, Misbahuddin M. Fadel, M. Fadel Mallongi, Syahrir Misbahuddin Misbahuddin Muin, Rahmawati Nurul Pratiwi Nurum, Munawir Purnamaniswaty, Purnamaniswaty Rachma Febriyanti Ramlah Ramlah Rayyahun, Annisa Ri Esso*, Andi Sawe Ridwan, Muhammad Saleh Samsunar, Muh. Sapa, Nasrulla Bin Sapa, Nasrullah Bin Sapsuha, Mubasysyyratul Ummah Shahrin, Attori Alfi Siradjuddin, Siradjuddin Sri Muntu, Andi Tenri Sri Syamsiar, Indriyani Sudarmi Sudarmi Sukmana, Ahyana Syahila Syahidah Rahmah Syarif, Muhammad Isra Syatar, Abd Tacong, Hamzah Taqiyuddin BN, Andi Muh. Tihardimanto, A. Virgiawan, A. M. Luthfi virgiawan, luthfi Wardy Putra, Trisno