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All Journal Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Syarif, Anwar
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Religion Economics, Econometrics & Finance

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Implications Of The Time Value Of Money Concept On Sharia-Based Retirement Planning Based On Dsn-Mui Fatwa No. 88/Dsn-Mui/X/2013 Syarif, Anwar; Yafiz, Muhammad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.19115

Abstract

Implementing the time value of money in pension funds cannot be separated from the knowledge of economists, the need for literature related to this matter, especially about the time value of money, where the value of money today will not be the same as the value of money in the future, MUI Fatwa No. 88/DSN-MUI/X/2013 provides guidelines for sharia-based pension fund management, prioritizing the principles of justice, transparency and halal investment. This research reviews the implications of the TVM concept in the context of sharia-based retirement planning in accordance with the guidelines of MUI Fatwa No. 88/DSN-MUI/X/2013. The research method used is library research using various secondary sources as research material. This type of research uses library research where the author combines and collects data by reading articles and books to produce accurate data. The research results found that the application of sharia principles in managing pension funds can provide a guarantee of fair and sustainable value for pension participants. This research highlights the importance of synergy between TVM principles and sharia guidelines in retirement planning.
Transforming Consumer Demand In The Age Of Digital Disruption: Evidence From Digital Ethnography (Netnography) And Islamic Economics Syarif, Anwar; Syafii, Herman; Gea, Titi Inri Ani; Harahap, Ira Damayanti; Harahap, Muhammad Yusuf; Ridwan, Muhammad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i2.19134

Abstract

The digital economy has changed how consumers make purchasing decisions. The growth of e-commerce, social media platforms, digital recommendations, and digital payment systems has made consumption more fast-paced and emotionally driven. This study explores changes in consumer demand in the digital economy from an Islamic economics perspective, focusing on ethical and welfare issues.This research uses a qualitative method through digital ethnography. Data were collected by observing publicly available consumer activities, such as comments, reviews, and shopping experiences on platforms like Shopee, Tokopedia, TikTok Shop, Instagram, and TikTok. The data were analyzed using thematic analysis.The results show that consumer demand is influenced by algorithms, promotional pressure, and easy payment systems such as e-wallets and Buy Now Pay Later (BNPL). These features encourage impulsive buying and reduce control over spending. Some consumers later realize the risk of overconsumption and financial problems.From an Islamic economics perspective, these patterns raise ethical concerns related to Maqāṣid al-Sharī‘ah, especially the protection of wealth and rational thinking. This study highlights the need for ethical digital platforms, better consumer awareness, and policies that support responsible digital consumption.
Implications Of The Time Value Of Money Concept On Sharia-Based Retirement Planning Based On Dsn-Mui Fatwa No. 88/Dsn-Mui/X/2013 Syarif, Anwar; Yafiz, Muhammad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i1.19115

Abstract

Implementing the time value of money in pension funds cannot be separated from the knowledge of economists, the need for literature related to this matter, especially about the time value of money, where the value of money today will not be the same as the value of money in the future, MUI Fatwa No. 88/DSN-MUI/X/2013 provides guidelines for sharia-based pension fund management, prioritizing the principles of justice, transparency and halal investment. This research reviews the implications of the TVM concept in the context of sharia-based retirement planning in accordance with the guidelines of MUI Fatwa No. 88/DSN-MUI/X/2013. The research method used is library research using various secondary sources as research material. This type of research uses library research where the author combines and collects data by reading articles and books to produce accurate data. The research results found that the application of sharia principles in managing pension funds can provide a guarantee of fair and sustainable value for pension participants. This research highlights the importance of synergy between TVM principles and sharia guidelines in retirement planning.
Transforming Consumer Demand In The Age Of Digital Disruption: Evidence From Digital Ethnography (Netnography) And Islamic Economics Syarif, Anwar; Syafii, Herman; Gea, Titi Inri Ani; Harahap, Ira Damayanti; Harahap, Muhammad Yusuf; Ridwan, Muhammad
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 13, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v13i2.19134

Abstract

The digital economy has changed how consumers make purchasing decisions. The growth of e-commerce, social media platforms, digital recommendations, and digital payment systems has made consumption more fast-paced and emotionally driven. This study explores changes in consumer demand in the digital economy from an Islamic economics perspective, focusing on ethical and welfare issues.This research uses a qualitative method through digital ethnography. Data were collected by observing publicly available consumer activities, such as comments, reviews, and shopping experiences on platforms like Shopee, Tokopedia, TikTok Shop, Instagram, and TikTok. The data were analyzed using thematic analysis.The results show that consumer demand is influenced by algorithms, promotional pressure, and easy payment systems such as e-wallets and Buy Now Pay Later (BNPL). These features encourage impulsive buying and reduce control over spending. Some consumers later realize the risk of overconsumption and financial problems.From an Islamic economics perspective, these patterns raise ethical concerns related to Maqāṣid al-Sharī‘ah, especially the protection of wealth and rational thinking. This study highlights the need for ethical digital platforms, better consumer awareness, and policies that support responsible digital consumption.
Co-Authors Gea, Titi Inri Ani Harahap, Ira Damayanti Muhammad Ridwan Muhammad Yafiz, Muhammad Muhammad Yusuf Harahap, Muhammad Yusuf syafii, herman