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SYSTEMATIC LITERATURE REVIEW (SLR): PERAN CIRCULAR ECONOMY DALAM MENGURANGI LIMBAH INDUSTRI HALAL FASHION PERSPEKTIF MAQASHID SHARIAH Mursilah, Pembayun; Ritonga, Iskandar; Mugiyati; Muhaimin, Hikmah
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 3 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i3.17868

The rapid growth of the halal fashion industry raises concerns about the environment, particularly regarding textile waste, which contradicts the principles of sustainability in Islam. This study aims to analyze the role of the circular economy in waste reduction within the halal fashion industry from the perspective of Maqashid Syariah. Employing the Systematic Literature Review (SLR) method, this research examines previous studies focused on the application of the circular economy in the halal fashion sector. The findings indicate that circular economy principles, such as reuse, recycling, and extending product life, significantly contribute to waste reduction and align with Maqashid Syariah, particularly in preserving wealth (hifz al-mal) and the environment (hifz al-biah). The study concludes that integrating the circular economy with the principles of Islamic economics promotes a more sustainable and competitive halal fashion industry. A key implication of this research is the necessity for collaboration among policymakers, industry stakeholders, and consumers to establish regulations and practices that foster a sustainable halal fashion business ecosystem.

Pemikiran Ekonomi Kontemporer Madzhab Alternatif Tawaran dari Timur Kuran Aris Saiful Mizan; Arif Angga Bayu Saputro; Mugiyati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.8496

The understanding of the alternative economic school proposed by Timur Kuran is a study that encompasses various approaches and models different from the conventional economic system. The focus of the alternative economic school is to create a more just, sustainable, and human and environmentally oriented system. This research aims to explore the contemporary economic thoughts of the alternative school of Timur Kuran. The method used in this research is literature review with descriptive analysis. Timur Kuran asserts the superiority of Islamic economic theory and highlights economic practices aligned with Islamic principles as a response to the imbalances and injustices within the capitalist system. The goal is to enhance the economy and strengthen Islamic identity amid cultural globalization. Moreover, he rejects the concept of interest based on the fundamental principle of Islamic economics, the prohibition of usury, deeming it exploitative and unjust in wealth distribution. Kuran also criticizes the zakat redistribution system, questioning its effectiveness and pointing out inadequacies in fund management and allocation, leading to limited impact in addressing poverty.

Perkembangan Asuransi Syariah di Indonesia Ditinjau dari Pertumbuhan Eksponensial Ulil Absor Faiq Abdillah; Mugiyati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.2832

The purpose of this study is to determine the six exponential processes experienced by Islamic insurance companies in Indonesia. The research method used is qualitative method. This research uses a literature approach sourced from books, journals and articles that are in accordance with the topic and focus of the research. The literature study method is used in this research to find scientific and theoretical studies. The analysis technique used uses the concept of exponential growth which consists of six stages. The results of this study show that sharia insurance in Indonesia has gone through exponential stages similar to technological developments in other industries. Six stages such as digitalization, deception, disruption, dematerialization, demonetization and democratization have adopted technology and found new ways to integrate those innovations into the business, allowing to increase efficiency, lower costs, and provide added value to customers. PT Asuransi Jasindo Syariah is one of the sharia insurance companies in Indonesia that shows a significant increase to reach the democratization stage, because it is not only a sharia insurance application, but there are many choices of features other than insurance such as several Islamic articles, sadaqah features and the implementation of cash waqf.

Modal Ventura Syariah dalam Tinjauan Hukum Islam Fausi, Ahmat; Mugiyati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i9.2817

Kehadiran modal ventura syariah diperlukan untuk memberikan akses permodalan bagi startup syariah. Modal ventura syariah tidak hanya sekedar memberikan permodalan, namun juga mendukung dan membimbing startup syariah agar dapat tumbuh dan berkembang. Walaupun perusahaan modal ventura di suatu daerah belum bernama modal ventura syariah, namun sudah menerapkan prinsip syariah, karena dalam pembiayaannya. Penelitian ini merupakan jenis penelitian dengan menggunakan metode kualitatif. Teknik pengumpulan informasi dan data dalam penelitian ini dilakukan melalui penelitian kepustakaan (studi literatur), dengan menggunakan sumber-sumber kepustakaan yang berkaitan dengan subjek penelitian yang telah dirumuskan. Tujuan dari penelitian ini adalah untuk mengetahui tentang modal ventura syariah, sejarah modal ventura syariah dan kegiatan usaha badan hukum atau undang-undang mengenai modal ventura syariah.

Perkembangan Asuransi Syariah di Indonesia Ditinjau dari Pertumbuhan Eksponensial Ulil Absor Faiq Abdillah; Mugiyati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.2832

The purpose of this study is to determine the six exponential processes experienced by Islamic insurance companies in Indonesia. The research method used is qualitative method. This research uses a literature approach sourced from books, journals and articles that are in accordance with the topic and focus of the research. The literature study method is used in this research to find scientific and theoretical studies. The analysis technique used uses the concept of exponential growth which consists of six stages. The results of this study show that sharia insurance in Indonesia has gone through exponential stages similar to technological developments in other industries. Six stages such as digitalization, deception, disruption, dematerialization, demonetization and democratization have adopted technology and found new ways to integrate those innovations into the business, allowing to increase efficiency, lower costs, and provide added value to customers. PT Asuransi Jasindo Syariah is one of the sharia insurance companies in Indonesia that shows a significant increase to reach the democratization stage, because it is not only a sharia insurance application, but there are many choices of features other than insurance such as several Islamic articles, sadaqah features and the implementation of cash waqf.

Analisis Risiko Modal Ventura Syariah di Indonesia Umi Qurrotul Aini; Mugiyati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.2837

Venture capital as an alternative financing outside credit banking. Investments made in the form of shares or convertible bonds in the long term, and aimed at business partner companies (PPU), venture capital is a collection of capital originating from investors to be managed professionally by a management company and investment in PPU. Funds invested in venture capital are investment funds that have high risk. This research uses a library or literary study approach. Data collection techniques are carried out through reading and taking notes, as well as managing previous research materials. The aim of this research is to determine the potential risks that will occur and the impact of risks on venture capital. Research results show that venture capital often contributes to helping entrepreneurs develop. So it cannot be denied that venture capital is very prone to losses for both parties.

SYSTEMATIC LITERATURE REVIEW (SLR): FENOMENA IMPULSIVE BUYING DALAM LAYANAN BUY NOW PAY LATER (BNPL) SHOPEE DARI PERSPEKTIF EKONOMI SYARIAH Selvina Adhani, Adinda; Nurhayati; Mugiyati
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 4 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i4.18289

The rapid expansion of e-commerce and digital financial services has transformed consumer behavior, particularly among Generation Z. One notable innovation is the Buy Now Pay Later (BNPL) system, known on the Shopee platform as Shopee PayLater. While this feature offers flexibility and instant access to goods, it also increases impulsive buying behavior and overconsumption, raising concerns from the perspective of Islamic economics. This study aims to analyze the phenomenon of impulsive buying through Shopee PayLater using the Systematic Literature Review (SLR) method. Fifteen academic articles published within the last five years were reviewed to explore the relationship between BNPL services, consumer behavior, and Islamic economic values. The findings reveal that BNPL significantly contributes to impulsive purchases and potential financial instability among young consumers. From the perspective of Maqashid Syariah, such behavior is associated with israf (extravagance) and gharar (uncertainty), which contradict the principle of protecting wealth (hifz al-mal). The study concludes that strengthening Islamic financial literacy is essential to prevent excessive consumption in the digital economy and to ensure that financial practices remain aligned with ethical and sustainable Islamic principles.

Strengthening Sharia Bank Operational Management Through Internalization of Sharia Compliance Hozinul Asror; Mugiyati
International Journal of Economics Accounting and Management Vol. 2 No. 4 (2025): IJEAM - November 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60076/ijeam.v2i4.1664

This study aims to analyse the strengthening of Islamic bank operational management through the internalisation of Shariah compliance as a strategic instrument, not merely as a normative obligation. The method used is a literature review of various previous studies, regulations, and implementation practices in Indonesian Islamic banking. The results of the analysis show that the internalisation of Shariah compliance can be realised through five main strategies, namely strengthening the competence and independence of the Shariah Supervisory Board (DPS), utilising service digitalisation, increasing Shariah financial literacy, improving regulations related to DPS opinions, and integrating digitalisation with aspects of customer security and trust. These findings confirm that Shariah compliance not only serves to ensure the conformity of products and transactions with Islamic law, but also strengthens governance, operational effectiveness, and the competitiveness of the Islamic banking industry. Thus, this study concludes that the internalisation of Shariah compliance is key to maintaining the integrity of Shariah principles while promoting sustainability and public trust in Islamic banks in Indonesia.

Meta-Analisis Manajemen Bank Wakaf: Strategi dalam Menjawab Isu-Isu Kontemporer Abdullah Jimly Hasanal Adhim; Mugiyati
Mukaddimah: Jurnal Studi Islam Vol. 10 No. 2 (2025)
Publisher : Kopertais Wilayah III Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/mjsi.v10i2.4556

Bank wakaf merupakan salah satu inovasi dalam pengelolaan wakaf produktif yang ditujukan untuk memperkuat peran sosial-ekonomi umat Islam. Namun, dalam praktiknya, pengelolaan bank wakaf menghadapi berbagai tantangan, antara lain rendahnya literasi masyarakat, keterbatasan regulasi, isu transparansi dan akuntabilitas, serta tuntutan digitalisasi di era ekonomi modern. Artikel ini menggunakan pendekatan meta-analisis untuk mengkaji strategi manajemen bank wakaf dalam menjawab isu-isu kontemporer. Sumbersumber literatur yang dianalisis meliputi artikel jurnal, buku, serta dokumen kebijakan terkait manajemen wakaf dalam rentang sepuluh tahun terakhir. Hasil penelitian menunjukkan bahwa strategi yang paling efektif meliputi penerapan prinsip good governance, pemanfaatan teknologi digital, integrasi dengan sistem keuangan syariah modern, serta peningkatan literasi wakaf di masyarakat. Jadi, manajemen bank wakaf tidak hanya berfungsi sebagai pengelola aset keagamaan, tetapi juga sebagai instrumen strategis dalam pembangunan berkelanjutan umat Islam.

DESAIN TIERED NISBAH BERBASIS RISIKO UNTUK PENURUNAN COST OF FUNDS PADA BANK UMUM SYARIAH Kavil, Moch. Ainol; Mugiyati
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 4 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i4.18651

Dana Pihak Ketiga (DPK) sensitif terhadap fluktuasi imbal hasil yang belum mempertimbangkan karakteristik risiko dana secara proporsional, cost of fund (COF) cenderung meningkat dan berisiko mengganggu stabilitas likuiditas. Artikel ini bertujuan mengembangkan model konseptual Risk-Based Tiered Nisbah (RBTN), yaitu skema bagi hasil bertingkat yang menyesuaikan kompensasi imbal hasil dengan profil risiko nasabah dan jenis penempatan dana, guna menciptakan efisiensi finansial sekaligus menjaga prinsip keadilan syariah. Penelitian ini dilakukan dengan metode library research menggunakan pendekatan SALSA (Search, Appraisal, Synthesis, Analysis), berdasarkan literatur ilmiah, peraturan OJK, laporan keuangan BUS, serta studi relevan lainnya. Hasil sintesis literatur menunjukkan bahwa pendekatan RBTN mampu menekan COF secara signifikan melalui insentif nisbah yang diberikan kepada nasabah berisiko rendah dengan dana jangka panjang dan stabil. Strategi ini juga memperkuat manajemen risiko bank, mendorong loyalitas nasabah, serta mencerminkan nilai-nilai maqāṣid al-sharī‘ah, seperti keadilan (‘adl), kemaslahatan (maslahah), dan kesalingan (ta‘āwun). Studi kasus pada Bank Syariah Indonesia dan Bank Muamalat Indonesia menunjukkan bahwa penyesuaian nisbah berbasis risiko efektif dalam menurunkan rasio pembiayaan bermasalah dan memperbaiki struktur likuiditas. Dengan demikian, model RBTN tidak hanya menjadi solusi teknis bagi efisiensi dana, tetapi juga menjembatani inovasi manajerial dengan nilai-nilai etika Islam. Studi ini merekomendasikan penerapan model RBTN secara luas serta uji empiris lebih lanjut guna mengukur efektivitas implementasinya secara operasional.

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