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All Journal AL-Daulah Jurnal Diskursus Islam Laa Maisyir Jurnal Ekonomi Islam Alami Journal (Alauddin Islamic Medical) Journal SENTRALISASI YUME : Journal of Management Jurnal Ilmiah Penegakan Hukum Al-Ahkam : Jurnal Hukum Pidana Islam Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Media Publikasi Promosi Kesehatan Indonesia (MPPKI) Al-Buhuts (e-journal) AL-QIBLAH: Jurnal Studi Islam dan Bahasa Arab HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis Jurnal Ekonomi dan Bisnis Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah JEBD Santri : Jurnal Ekonomi dan Keuangan Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah NETIZEN: JOURNAL OF SOCIETY AND BUSSINESS At Tawazun Jurnal ekonomi Islam PESHUM
Mukhtar Lutfi
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences

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Peran Strategis Baitul Maal Wat Tamwil dalam Menyediakan Pembiayaan Syariah Berbasis Leasing dan Modal Ventura Afna Eka Widyastuti; Mukhtar Lutfi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1235

Abstract

This study aims to analyze the strategic role of Baitul Maal Wat Tamwil (BMT) in providing leasing based sharia financing (ijarah) and ventura capital (mudharabah and musyarakah) for Micro, Small and Medium Enterprises (MSMEs) in Indonesia. BMT functions as a microfinance institution that provides solutions to the capital challenges faced by MSMEs, including lack of access to conventional financing and low sharia financial literacy. Through the leasing scheme, BMT facilitates the rental of assets needed by MSMEs without requiring large initial capital. Meanwhile, the venture capital scheme allows BMT to share risks and profits with MSME actors, encouraging strategic collaboration. This study also discusses the challenges of implementing sharia financing by BMT, including the low public understanding of sharia products. With a descriptive literature approach, this study finds that BMT has significant potential in increasing financial inclusion and encouraging the sustainability of the sharia economy in Indonesia.
Koperasi Syariah : Solusi Ekonomi Berbasis Syariah untuk Kesejahteraan Umat Syarifa Khaerunnisa; Amiruddin Amiruddin; Mukhtar Lutfi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1236

Abstract

Sharia cooperatives are Sharia-based economic institutions that play a strategic role in empowering the economy of the Muslim community. By adhering to principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling), as well as implementing profit-sharing systems (mudharabah or musharakah), Sharia cooperatives provide a fair, transparent, and inclusive alternative to support economic activities in society. These cooperatives aim not only to achieve financial gains but also to fulfill social missions, such as poverty alleviation, equitable welfare distribution, and holistic improvement of the community’s quality of life. Various products and services offered—such as Sharia savings, halal financing, and Sharia-compliant investments—provide financial solutions that align with Islamic values and meet societal needs. Nevertheless, the implementation of Sharia cooperatives faces several challenges, including limited public understanding, competition with conventional financial institutions, and constraints in human resources and capital. Through public education, capacity building for cooperative managers, and comprehensive government policy support, Sharia cooperatives hold great potential to become a key instrument in fostering a more just, equitable, and sustainable economy. This study emphasizes the importance of integrating Sharia values into cooperative management to ensure its contribution to the sustained welfare of the community.
Efektivitas Sertifikasi Halal Dalam Meningkatkan Kepercayaan Konsumen Dan Optimasi Rantai Pasok Halik, Abdul Chadjib; Siradjuddin, Siradjuddin; Mukhtar Lutfi
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.v4i3.7517

Abstract

Sertifikasi halal menjadi faktor utama dalam membangun kepercayaan konsumen serta meningkatkan efisiensi rantai pasok dalam industri halal global. Penelitian ini bertujuan untuk mengkaji pengaruh sertifikasi halal terhadap kepercayaan konsumen dan efisiensi rantai pasok, serta untuk menawarkan solusi inovatif guna meningkatkan kualitas sistem sertifikasi halal. Dengan pendekatan kualitatif eksploratif, penelitian ini mengumpulkan data melalui wawancara mendalam dengan konsumen, produsen, dan lembaga sertifikasi. Hasil penelitian menunjukkan bahwa sertifikasi halal secara signifikan meningkatkan kepercayaan konsumen terhadap produk, serta mendorong efisiensi dalam rantai pasok melalui transparansi dan kontrol kualitas yang lebih baik. Namun, terdapat tantangan dalam hal perbedaan standar internasional dan proses sertifikasi yang memakan waktu. Penelitian ini menyarankan penggunaan teknologi seperti blockchain untuk meningkatkan transparansi dan mempercepat proses sertifikasi. Kesimpulannya, sertifikasi halal tidak hanya berfungsi sebagai pengakuan syariah, tetapi juga sebagai alat strategis yang mempengaruhi keberhasilan pasar halal global. Implikasi praktisnya mencakup rekomendasi untuk harmonisasi standar internasional dan integrasi teknologi canggih dalam sistem sertifikasi halal.
Halal Assurance Development Strategy In Indonesia Adriani, Adriani; Siradjuddin, Siradjuddin; Mukhtar Lutfi; Nurlaela, Nurlaela
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.v4i3.7549

Abstract

This study uses a qualitative research method that provides an understanding of the strategy for developing halal assurance in Indonesia. This research method uses a literature review taken from several readings that discuss the existence of strategies, development and halal assurance. The results of this study are that halal products are rahmatan lil alamin for all people, especially for those who consume them and the business actors involved. In the development of the halal product industry, the implementation of sustainable policies that are in accordance with Islamic law will be oriented towards fair business and be able to create a just and prosperous society. In this case, the emphasis of the strategy is carried out by prioritizing the development of aspects of the domestic halal product industry and creating a business network in the global market that will grow the Indonesian halal product industry to dominate the global market. This is expected to increase the effectiveness, efficiency, and sustainability in the development of the halal product industry and make development rational and on target. Therefore, community involvement in the process of developing the halal product industry is very important in order to optimize existing resources and create a good communication climate between the government and the community
PETA JALAN INDUSTRI HALAL DI INDONESIA UPAYA MENINGKATKAN DAYA SAING GLOBAL Vera Ayu Oktoviasari; Iva Ashari Ananda; Mukhtar Lutfi
HUMANITIS: Jurnal Homaniora, Sosial dan Bisnis Vol. 3 No. 4 (2025): April
Publisher : ADISAM PUBLISHER

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

Abstract

The halal industry roadmap involves strengthening stakeholders involved in the development of the halal industry in Indonesia, including institutional development involving the government/authorities, consumers and business actors. With the existence of a road map for the development of the halal industry and its consistent and sustainable implementation, it is possible that Indonesia will become a major player in the world's halal industry in the future and develop competent Human Resources (HR) in their fields through the development of the Indonesian National Work Competency Standards (SKKNI) which includes halal auditors. , halal supervisor, halal chef, halal slaughterer, halal manager. This research uses qualitative research using library research. Research results, development projections in several priority sectors as well as harmonization of institutions related to halal guarantees, improvements in infrastructure, services and services as well as improvements in human resources will have an impact on both national and global competitiveness. Data shows that total trade in Indonesian halal products in the January-October 2023 period reached USD 53.43 billion. Of this amount, exports of Indonesian halal products were recorded at USD 42.33 billion and imports at USD 11.10 billion.
The The Influence Of Customer Understanding On Interest In Waqf With Moderating Religiosity Harni; Mukhtar Lutfi; Nasrullah Bin Sapa
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.56604

Abstract

Social inequality and low community participation in cash waqf through Cash Waqf Linked Sukuk CWLS indicate that the great potential of waqf has not been optimized. Lack of financial literacy, access to services, and traditional perceptions of waqf are the main obstacles. This study is important to identify factors that influence community waqf intentions, especially in CWLS products. The purpose of this study is analyze and explain the influence of financial literacy, financial inclusion, socialization, and marketing programs on waqf intentions on CWLS with religiosity as a moderator. The population of this study were all customers of Bank Syariah Indonesia, with a sampling technique using purposive sampling. The number of samples that met the criteria was 150 customers. Hypothesis testing was carried out using SEM-PLS. The results of the study showed that financial literacy, socialization, and marketing programs had a significant positive effect on waqf intentions, while financial inclusion had no significant effect. Religiosity as a moderator strengthens the influence of socialization and marketing programs on waqf intentions, but weakens the influence of financial literacy and inclusion. These findings indicate the importance of CWLS education and marketing strategies integrated with religious and social approaches to increase community participation in waqf.
Lembaga Dana Pensiun Syariah sebagai Instrumen Perlindungan Masa Tua Berbasis Maqashid Syariah Sari, Dian; Devy Wulandari; Andi Abdul Gaffar; Amiruddin Kadir; Mukhtar Lutfi
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 2 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i2.2618

Abstract

This research aims to understand the concept and regulations of Islamic pension funds (dana pensiun syariah) in Indonesia, which impact life in old age based on the Maqasid al-Shariah (objectives of Islamic law). An Islamic pension fund is a pension fund that administers a retirement program based on Sharia principles (DSN-MUI Fatwa Number: 88/DSN-MUI/XI/2013). The management of Islamic pension funds in Indonesia is carried out through investments in Sharia-compliant pension funds that are distributed to participants. This is closely tied to the contractual consequences of the underlying agreement governing the transactional relationship between DPLK (Financial Institution Pension Fund) participants and the Sharia DPLK, which is based on the contract of Wakalah bil Ujrah (agency with fee).This study uses a qualitative approach with a descriptive-analytical method to analyze instruments of old-age protection based on Maqasid al-Shariah in the management of pension funds within Islamic financial institutions. The research is rooted in the management of pension funds aligned with the Maqasid al-Shariah, which represent the main objectives of Islamic law—namely, to realize the welfare (maslahah) of humanity in both this world and the hereafter. This pension fund also serves as a form of old-age security designed to provide income certainty for workers after entering retirement.
Public Understanding and Government Role in Promoting Halal Certification in Muslim Minority Areas Ferianti Ririn; Mukhtar Lutfi; Sirajuddin
AT TAWAZUN: Jurnal Ekonomi Islam Vol 5 No 2 (2025): Agustus
Publisher : Universitas Islam Negeri Alauddin Makassar

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

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat pemahaman masyarakat serta peran pemerintah dalam upaya meningkatkan sertifikasi halal di daerah dengan populasi minoritas Muslim. Sertifikasi halal menjadi instrumen penting dalam menjamin keamanan, kebersihan, serta kehalalan produk, baik bagi konsumen Muslim maupun non-Muslim. Namun, implementasinya di wilayah minoritas Muslim sering menghadapi kendala berupa rendahnya pemahaman masyarakat, keterbatasan akses informasi, serta kurangnya dukungan kelembagaan. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus melalui wawancara mendalam, observasi, dan telaah dokumen. Hasil penelitian menunjukkan bahwa pemahaman masyarakat tentang urgensi sertifikasi halal masih terbatas pada aspek religius, belum sepenuhnya menyentuh dimensi ekonomi, kesehatan, dan daya saing produk. Di sisi lain, peran pemerintah daerah sangat krusial dalam melakukan sosialisasi, memberikan fasilitasi administratif, serta mendorong kolaborasi dengan lembaga terkait. Upaya sinergis antara pemerintah, pelaku usaha, dan tokoh masyarakat terbukti dapat mempercepat proses sertifikasi halal serta meningkatkan kesadaran masyarakat terhadap pentingnya produk halal. Dengan demikian, peningkatan pemahaman masyarakat dan penguatan peran pemerintah menjadi faktor kunci dalam mengoptimalkan implementasi sertifikasi halal di daerah minoritas Muslim.
Ekosistem Ekonomi Islam: Konsep, Prinsip, dan Strategi Penguatan di Indonesia: Islamic Economic Ecosystem: Concepts, Principles, and Strategies for Strengthening in Indonesia Azwar, Azwar; Andi Wawan Mulyawan; Mukhtar Lutfi
AL-QIBLAH: Jurnal Studi Islam dan Bahasa Arab Vol. 4 No. 5 (2025): AL-QIBLAH: Jurnal Studi Islam dan Bahasa Arab
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M) Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-qiblah.v4i5.2633

Abstract

This study aims to provide a comprehensive understanding of the Islamic economic ecosystem, encompassing its concepts, fundamental principles, pillars and actors, as well as instruments and strategies for its strengthening within the Indonesian context. The research employs a qualitative-descriptive approach based on an extensive literature review. The findings reveal that the main pillars of the Islamic economic ecosystem consist of the Islamic financial sector, the halal industry, ZISWAF, sharia-based micro, small, and medium enterprises (MSMEs), and the sharia-driven digital economy. These pillars are supported by key actors, including the government, regulators, academics, industry players, society, and Islamic institutions. Financial instruments (Islamic banks, sukuk, Islamic fintech), social instruments (zakat, infaq, sadaqah, waqf), and supporting infrastructure such as regulatory frameworks, halal certification, digital technology, and shariah-compliant human resources serve as crucial enablers of the ecosystem’s sustainability. The study also identifies Indonesia’s substantial potential to become a global hub for the Islamic economy, supported by its large Muslim population, expansive halal market, and national regulatory backing. Nevertheless, challenges remain, including low levels of shariah literacy, limited human resource capacity, suboptimal regulatory implementation, and intensifying global competition. Consequently, strategies for strengthening the ecosystem should focus on improving literacy and inclusion, fostering cross-sectoral collaboration, enhancing digital innovation, reinforcing adaptive regulation, and integrating education with the halal industry. Through these measures, Indonesia’s Islamic economic ecosystem has the potential to evolve into an inclusive, competitive, and sustainable system, contributing significantly not only to national development but also to the advancement of global civilization.
Pengelolaan Alokasi Dana Desa Berbasis Maqashid Syariah di Padakkalawa, Kabupaten Pinrang Ismail Hasang; Nasir Hamzah; Ambo Asse; Mukhtar Lutfi; Muhammad Nasri Katman
Al-Buhuts Vol. 20 No. 1 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i1.5142

Abstract

The aim of this research is to determine the management of Village Fund Allocation (ADD) based on Maqashid Syariah in Padakkalawa Village, Pinrang Regency. The type of research used in this research is qualitative descriptive research with a phenomenological approach. Respondents interviewed in this research were Village Heads, Village Officials, BPD Chairmen, Village Financial Management Implementers (PPKD), Hamlet Heads, Religious Leaders, Community Leaders, Youth Leaders in Padakkalawa Village. The analysis techniques used are data reduction, data display and drawing conclusions/verification. The results obtained in this research are that the Padakkalawa Village Government manages the Village Fund Allocation (ADD) by adhering firmly to the principles of maqashid sharia, this can be seen from the implementation of maintaining religion through the application of religious values, honest and thorough recording, reporting accurately. true and accurate; maintaining the soul through working with attention to the safety of the soul (BPJS Employment); maintaining reason through working with a healthy mind/mind and not speculating; maintaining offspring through community (youth) involvement; as well as maintaining assets through effective and efficient use of the budget, increasing Village Original Income (PADes).
Co-Authors Abdul Wahab Abdul Wahid Haddade Abdullah, Muhammad Wahyuddin ADRIANI ADRIANI Afna Eka Widyastuti Akramunnas Ambo Asse Amiruddin Amiruddin Amiruddin K Amiruddin Kadir Andi Abdul Gaffar Andi Irhamnia Sakinah Andi Sri Mutmainna Andi Tihardimanto Andi Wawan Mulyawan Andika Akbar Anisa Utami Novianty Anugrah Reskiani Azmi Yusriyah Naurah Azwar Azwar Devy Wulandari Dian Sari Eka Febrianti Ervina Hijrah Nirwana Ferianti Ririn Halik, Abdul Chadjib Hamzah Hasan Harni Ilnawati Ismail Hasang Iva Ashari Ananda Jayawarsa, A.A. Ketut Lohalo, Georges Olemanu Lubnaa Sulistiyani Kartiko Maryam Nurdin, Maryam Mau Lulo, Lourenco de Deus Misbahuddin Muhammad Affandi AR Muhammad Nasri Katman Mukhlis Latif Mutawalli, Muhammad Nadya Haruna Nasir Hamzah Nasrullah Bin Sapa Nasrullah Sapa Nurhasnaini. H NURLAELA NURLAELA Putri Ayu Ramadhani Rahmawati Muin Ridwanto Rosdianah Rahim Saharuddin Saiful Muchlis Sari Ifdiana Jalal Siradjuddin, Siradjuddin Sirajuddin Sufiana Fahmi Sufiani Zahra Syarifa Khaerunnisa Titin Hardianti Vera Ayu Oktoviasari Yusnita