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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN el-Jizya: Jurnal Ekonomi Islam Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Jurnal Media Akademik (JMA) Jurnal Bersama Ilmu Ekonomi Natuja: Jurnal Ekonomi Syariah
Moh. Bahrudin
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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STUDI KOMPARATIF ANALISIS EFISIENSI KINERJA PERBANKAN SYARIAH DI INDONESIA ANTARA METODE DATA ENVELOPMENT ANALYSIS (DEA) DAN STOCHASTIC FRONTIER ANALYSIS (SFA) Putri Monica Sari; Moh. Bahrudin; Gustika Nurmalia
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 3, No 1 (2020): April
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (718.906 KB) | DOI: 10.24127/jf.v3i1.468

Abstract

Semakin banyaknya pertumbuhan perbankan syariah menimbulkan adanya persaingan antar perbankan syariah dengan berbagai bentuk produk dan pelayanan yang diberikan. Oleh karena itu diperlukan pengukuran tingkat efisiensi kinerja perbankan syariah. Efisiensi merupakan salah satu aspek yang penting dalam melihat kemampuan bank syariah untuk bertahan dan menghadapi persaingan industri perbankan di indonesia. Penelitian ini bertujuan untuk mengetahui efisiensi kinerja perbankan syariah di Indonesia tahun 2014- 2018 dan untuk mengteahui perpektif islam mengenai efisiensi. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan populasi bank syariah devisa yang berjumlah lima bank dan berdasarkan teknik pengambilan sampel purposive sampling, sampel dalam penelitian ini sebanyak 4 bank. Sumber data yang digunakan adalah data skunder. Metode analisis data yang digunakan adalah metode data envelopment analysis (DEA) dan stochastic frontier analysis (SFA) .Hasil penelitian menunjukkan bahwa berdasarkan pengukuran menggunakan metode DEA dengan pendekatan CRS dari 4 BUS devisa pada periode 2014-2018. Terdapat 2 bank pada tahun tertentu memiliki nilai efisiensi <81%, yaitu bank mega syariah 30,38% (tidak efisien) pada tahun 2014, bank muamalat 77,47% (efisiensi sedang) pada tahun 2018. Pada metode SFA menunjukan mean efficiency sebesar 0,3808 dan hanya terdapat 1 bank saja yang mengalami efisiensi tinggi dibandingkan ketiga bank lainnya yang masuk kedalam kategori tidak efisien.
Ijtihad Tathbiqi dan Kontribusinya dalam Pengembangan Ekonomi Syariah Adhe Pertiwi Mareta; Syamsul Hilal; Moh. Bahrudin
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2025): Februari: Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i1.2006

Abstract

In the context of Islamic economics, many contemporary issues are not explicitly regulated by Islamic legal sources, thus requiring ijtihad to adapt the law to current circumstances. Ijtihad Tathbiqi is defined as the effort to apply established sharia laws in the specific context of daily life. This research aims to explain the concept of ijtihad tathbiqi, the legal requirements for a mujtahid, the objects of ijtihad tathbiqi, the implementation steps, as well as its potential and contribution to the development of the sharia economy in Indonesia.
Strategi Digitalisasi terhadap Bank Syariah untuk Meningkatkan Daya Saing Tiara Adelia Putri; Moh. Bahrudin; Anggun Okta Fitri
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 1 No. 2 (2025): Mei 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v1i2.191

Abstract

This study aims to analyze digitalization strategies in increasing the competitiveness of Islamic banks in the modern era. Digitalization has become a critical factor in facing global competition, especially with the increasing demands of customers for fast, safe, and sharia-compliant services. Based on data from Bank Syariah Indonesia (2023), the implementation of mobile banking applications and digital services has increased the number of active customers by 25%. However, challenges such as low digital literacy, dependence on legacy systems, and the need to ensure sharia compliance are still major obstacles (Muhdar, 2023; Setiawan & Mugiyati, 2024). This study uses a qualitative approach by analyzing secondary data from accredited journals and annual reports of Islamic banks. The results of the study show that strategies such as the adoption of sharia fintech, integration of blockchain technology, use of big data analytics, and development of mobile banking applications can improve operational efficiency and customer satisfaction (Andespa, 2024; Awamleh, 2024). However, the success of digitalization is highly dependent on infrastructure readiness, human resource competence, and collaboration with sharia fintech. This study provides recommendations for Islamic banks to invest in digital infrastructure development, employee training, and product innovation in accordance with Islamic principles to increase competitiveness in the digital era.
The Influence of Lifestyle and Trust in the Use of Shopee Paylater Services on Consumer Behavior in the Maqashid Sharia Perspective (Study on Students of UIN Raden Intan Lampung) Susanto, Is; Moh. Mukri; Moh. Bahrudin; Faisal, Faisal
el-Jizya : Jurnal Ekonomi Islam Vol. 12 No. 1 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i1.10961

Abstract

This study aims to investigate the influence of lifestyle and trust in the use of Shopee Paylater services on consumer behavior, taking into account the Maqashid Sharia perspective, especially for students of the Faculty of Economics and Islamic Business at UIN Raden Intan Lampung. This research adopts a quantitative approach through the survey method and the use of questionnaires as a data collection technique. The research sample consisted of 84 students from the class of 2021 who used the Shopee Paylater service, selected through purposive sampling. The data were analyzed using multiple linear regression with the help of SPSS software. The independent variables used in this study include lifestyle (X1) and trust (X2), while consumer behavior (Y) is the dependent variable. The t-test results indicate that both lifestyle and trust individually have a positive and significant influence on consumer behavior. The F test results indicate that lifestyle and trust together have a positive and significant effect on consumer behavior. In the context of Maqashid Sharia, consumption that is carried out not only follows religious teachings, but also provides tangible benefits for individuals and society as a whole.
PENGARUH KEAMANAN, KEMUDAHAN DAN FITUR PRODUK TERHADAP MINAT GENERASI Z DALAM MENGGUNAKAN MOBILE BANKING Dwi Marlinda; Moh. Bahrudin; Yulistia Devi; Ghina Ulfa Saefurrohman
Jurnal Media Akademik (JMA) Vol. 3 No. 12 (2025): JURNAL MEDIA AKADEMIK Edisi Desember
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/frahce34

Abstract

Perbankan secara umum mencakup definisi bank sebagai lembaga keuangan yang menghimpun dana dari masyarakat (simpanan) dan menyalurkannya kembali dalam bentuk kredit atau pembiayaan Mobile banking adalah layanan perbankan digital yang memungkinkan nasabah melakukan berbagai transaksi keuangan melalui perangkat seluler, seperti smartphone, melalui aplikasi khusus. Layanan ini menawarkan kemudahan dan efisiensi waktu untuk transaksi seperti cek saldo, transfer uang, pembayaran tagihan, dan pembelian pulsa tanpa harus datang ke bank atau ATM. Hal ini mempengaruhi minat generasi z dalalm menggunakan mobile banking di Kecamatan Sukarame, Bandar Lampung. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian Korelasional Penelitian ini juga dapat dikategorikan sebagai penelitian korelasional karena bertujuan untuk mengetahui hubungan antara variabel-variabel yang diteliti.. populasi penelitian adalah Generasi Z di Kecamatan Sukarame Bandar Lampung yang lahir pada tahun 1997-2012 atau berusia 13-28 tahun, dan sampel berjumlah 100 responden yang dipilih menggunakan teknik purposive sampling. data dikumpulkan melalui kuesioner dengan skala likert, serta regresi linier berganda dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa keamanan tidak berpengaruh signifikan terhadap minat generasi Z dalam menggunakan mobile banking, Hasil analisis menunjukkan bahwa kemudahan tidak berpengaruh signifikan terhadap minat generasi Z dalam menggunakan mobile banking, dan Hasil analisis menunjukkan bahwa fitur produk berpengaruh signifikan terhadap minat generasi Z dalam menggunakan mobile banking, Fitur produk (X3) merupakan variabel yang paling dominan dalam mempengaruhi minat generasi Z dalam menggunakan mobile banking, sedangkan keamanan (X1) dan kemudahan (X2) tidak berpengaruh signifikan secara parsial.
RELEVANSI USHUL FIQH SEBAGAI METODOLOGI PENETAPAN HUKUM EKONOMI ISLAM DALAM MENJAWAB TANTANGAN EKONOMI MODERN Kamal, Ahmad Ali; Moh. Bahrudin; Syamsul Hilal
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2025): November (2025)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/z48cp662

Abstract

Usul Fiqh is a methodological foundation for establishing Islamic law, functioning not only in the realm of worship but also has significant relevance in the modern economy. In the context of the development of the global economic system, various contemporary issues have emerged, such as Islamic banking, insurance, investment, and Islamic financial instruments, which require legal clarity in accordance with Sharia principles. This article aims to analyze the position of Usul Fiqh as a methodology for establishing Islamic economic law and how its principles can address the challenges of the modern economy. The approach used is qualitative with descriptive comparative analysis, examining the views of the four major schools of thought Hanafi, Maliki, Shafi'i, and Hanbali in linking the principles of Usul Fiqh to contemporary economic practices. The research findings demonstrate that Usul Fiqh plays a crucial role in establishing a legal foundation for Islamic economics that is adaptive to changing times, while maintaining the integrity of sharia through the principles of maslahah, istihsan, and qiyas. Each school of thought (mazhab) has its own methodological contributions in interpreting the evolving economic context, which collectively enriches the treasury of Islamic economic law. Therefore, Usul Fiqh can be viewed as a dynamic methodology capable of bridging normative texts and modern economic realities  
TA'LIL AL-AHKAM DALAM PENGEMBANGAN EKONOMI ISLAM: STUDI LITERATUR TENTANG RASIONALISASI HUKUM DAN APLIKASI MAQASID AL-SHARIAH Dewi Risyantika; Moh. Bahrudin; Syamsul Hilal
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2025): November (2025)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/57wf4h07

Abstract

Ta'lil al-ahkam (legal reasoning through the identification of cause or rationale) is a critical methodological framework for understanding the adaptation of Islamic law to the complex and multifaceted challenges of contemporary economics. This article employs the library research methodology to examine the role of ta'lil al-ahkam in developing Sharia-compliant financial instruments and addressing increasingly intricate modern economic issues. Through a systematic analysis of legal texts, peer-reviewed journal articles, and regulatory documents from the National Sharia Board-Indonesian Ulema Council (DSN-MUI), this study identifies that ta'lil al-ahkam functions as a crucial bridge between classical Islamic jurisprudence and contemporary economic practice. The findings indicate that although ta'lil al-ahkam has successfully facilitated the creation of innovative Sharia-compliant products such as sukuk, Islamic fintech, and Islamic banking instruments, substantive questions remain regarding whether these applications adequately reflect the maqasid al-shariah emphasis on economic justice, social welfare, and inclusive empowerment. This study concludes that the effective integration between maqasid-based ta'lil al-ahkam is essential to ensure that the development of Islamic economics serves the genuine objective of maslahah (welfare) and promotes sustainable development that benefits all segments of society.
Pengaruh Persepsi Keamanan Digital, Pengaruh Sosial, dan Kemudahan Terhadap Minat Menggunakan E-Wallet pada Pelaku UMKM di Bandar Lampung Rabbani, Aufa; Moh. Bahrudin; Ghina Ulfah Saefurrohman
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30817

Abstract

Transformasi teknologi di bidang keuangan telah mendorong pergeseran sistem transaksi dari pola pembayaran konvensional menuju mekanisme digital, salah satunya melalui pemanfaatan dompet elektronik (e-wallet). Meskipun demikian, tingkat pemanfaatan e-wallet oleh pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) masih dipengaruhi oleh berbagai faktor yang berkaitan dengan persepsi serta kecenderungan perilaku pengguna. Penelitian ini bertujuan untuk menguji pengaruh persepsi keamanan digital, pengaruh lingkungan sosial, serta persepsi kemudahan penggunaan terhadap minat UMKM dalam mengadopsi e-wallet di Kota Bandar Lampung. Pendekatan yang digunakan dalam penelitian ini adalah kuantitatif dengan metode survei. Sebanyak 100 responden dipilih menggunakan teknik purposive sampling. Pengumpulan data dilakukan melalui penyebaran kuesioner berbasis skala Likert. Selanjutnya, data dianalisis menggunakan program SPSS melalui tahapan uji validitas dan reliabilitas, pengujian asumsi klasik, serta analisis regresi linear berganda untuk mengetahui hubungan antarvariabel. Hasil analisis menunjukkan bahwa persepsi keamanan digital, pengaruh sosial, dan kemudahan penggunaan memiliki pengaruh positif serta signifikan terhadap minat penggunaan e-wallet, baik secara individu maupun secara bersama-sama. Temuan ini mengindikasikan bahwa jaminan keamanan, dukungan dari lingkungan sekitar, dan kemudahan dalam pengoperasian sistem menjadi determinan utama dalam meningkatkan adopsi e-wallet di kalangan pelaku UMKM.
Co-Authors Adhe Pertiwi Mareta Anggun Okta Fitri Dewi Risyantika Dwi Marlinda Faisal Faisal Ghina Ulfa Saefurrohman Ghina Ulfah Saefurrohman Gustika Nurmalia Kamal, Ahmad Ali Moh. Mukri Putri Monica Sari Rabbani, Aufa Suharto Suharto Susanto, Is Syamsul Hilal Tiara Adelia Putri Ulfah Alfiyah Darajat Yulistia Devi