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All Journal ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Journal of Artificial Intelligence and Digital Business Mawaddah: Jurnal Hukum Keluarga Islam Assyarikah: Journal Of Islamic Economic Business Al-Hayat: Journal of Islamic Education Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Rahmat, Paisal
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Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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DESIGNING A SUCCESSFUL ISLAMIC INVESTMENT PORTFOLIO: A CONCEPTUAL, PRACTICAL, AND INSPIRATIONAL GUIDE FOR MUSLIM INVESTORS Lubis, Rahmad Hidayat; Hasnawiyah, Hasnawiyah; Rahmadani, Riski; Muklis, Maulana; Rahmat, Paisal
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 9 No 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i1.9754

Abstract

This study aims to design an Islamic investment portfolio framework that is integrated with sustainability principles (ESG) and evaluate its effectiveness in achieving halal and sustainable investment goals. The method used is a qualitative approach with a literature study, namely reviewing literature from books, journals, official reports, and websites of institutions related to Islamic investment. The analysis is done descriptively and through content analysis to find patterns of meaning and main principles in the management of Islamic portfolios. The results showed that Islamic portfolios that combine Islamic screening, ESG principles, and diversification strategies are able to provide competitive investment returns while being in accordance with Islamic values. The combination of assets such as Islamic stocks, green sukuk, money market instruments, and halal alternatives support portfolio stability. In addition, the use of technology such as Islamic robo-advisors and periodic rebalancing strengthens the effectiveness of portfolio management. In conclusion, a structured and sustainable Islamic portfolio can be a strategic solution for Muslim investors. It is recommended that Islamic financial literacy continues to be improved, ESG integration is expanded in Islamic products, and digital technology is strengthened to create an inclusive and competitive investment ecosystem.
Fundamental Analysis of Islamic Investment Rahmi, Aida; Ibs, Juni Khairani; Rahmat, Paisal; Pulungan, Ahyar Hamdi
Assyarikah: Journal of Islamic Economic Business Vol 6, No 2 (2025): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v6i2.2198

Abstract

This study discusses fundamental analysis in Islamic investment. Fundamental analysis is the main approach used by investors to assess whether sharia-compliant stocks are viable in the capital market. In this study, a literature review approach is adopted, drawing from various scientific articles and research related to fundamental analysis in Islamic investment. The findings indicate that fundamental analysis involves evaluating macroeconomic conditions, industry developments, and company financial statements. This helps investors reduce risks and increase the likelihood of gaining long-term profits. The application of fundamental analysis also requires investors to ensure that the selected companies are free from elements of riba (usury), gharar (uncertainty), and maysir (gambling or speculation), thereby complying with sharia criteria. Therefore, fundamental analysis in Islamic investment is a crucial element in making responsible and sustainable investment decisions in accordance with sharia principles.
Reconstructing The Regulatory Framework of Stock Waqf In Indonesia’s Sharia Capital Market: Institutional And Sustainability Perspectives Rahmat, Paisal; Usmayani, Ilham Putra; Nurjannah, Syamratun; Putra, Haris Maiza; Jureid, Jureid
Mawaddah: Jurnal Hukum Keluarga Islam Vol 4 No 1 (2026): Mei
Publisher : Universitas Muhammadiyah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52496/mjhki.v4i1.55

Abstract

The institutional framework and sustainability of waqf in Indonesia hold immense potential for supporting the social and economic development of the Muslim community. However, despite its promise, the sector remains fragmented, and its utilization has not yet been optimized due to the lack of specific legal regulations governing stock waqf. This study analyzes the regulatory framework for stock waqf from the perspectives of institutionalization and sustainability in Indonesia. Employing a qualitative method through normative legal research using a conceptual approach, this study examines the reconstruction of stock waqf from the perspectives of institutionalization and sustainability in Indonesia. The research findings emphasize the need for legal reconstruction regarding the institutional framework and sustainability of stock waqf to integrate collaborative legal regulations among the Indonesia Stock Exchange, the Financial Services Authority, and the Indonesian Waqf Board, as well as to strengthen Islamic financial literacy. Collaborative legal regulation is not only necessary for operational effectiveness but also to integrate waqf into a modern economic framework, including the integration of digital governance systems and the strengthening of electronic nazhir certification systems without compromising their ethical foundations. Recommendations include strengthening specific legal regulations for stock waqf, fostering synergy between the government and religious authorities, and implementing collaborative legal integration among the Indonesia Stock Exchange, the Financial Services Authority, and the Indonesian Waqf Board. These findings contribute to the reconstruction of the endowment system from an institutional perspective and to the sustainability of endowments that are responsive to national socioeconomic needs and the needs of the endowment itself.
E-Finansial dan Pemanfaatan Teknologi Blockchain Dalam Investasi Syariah Ramadani, Riski; Rangkuti, Monita; Rahmat, Paisal; Mardana, Yahya
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 7 No. 3 (2026): July
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v7i3.4049

Abstract

Perkembangan pesat teknologi digital telah mentransformasi sistem keuangan, termasuk dalam praktik investasi syariah melalui pemanfaatan layanan e-finansial dan teknologi blockchaink. Penelitian ini bertujuan untuk menganalisis peran e-finansial dan integrasi teknologi blockchain dalam mendukung investasi syariah, serta mengidentifikasi peluang dan tantangan yang dihadapi. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi pustaka melalui analisis berbagai literatur ilmiah yang relevan. Hasil penelitian menunjukkan bahwa e-finansial meningkatkan aksesibilitas dan inklusi keuangan, sementara blockchain meningkatkan transparansi, efisiensi, dan keamanan transaksi yang sejalan dengan prinsip-prinsip syariah seperti keadilan, transparansi, serta larangan riba, gharar, dan maysir. Selain itu, inovasi seperti smart contract dan tokenisasi aset mempermudah pelaksanaan akad dan memperluas akses investasi bagi masyarakat. Namun demikian, implementasi teknologi ini masih menghadapi berbagai tantangan, termasuk keterbatasan regulasi, rendahnya literasi masyarakat, serta potensi risiko keamanan. Oleh karena itu, integrasi e-finansial dan blockchain memiliki potensi signifikan untuk mengembangkan ekosistem investasi syariah yang lebih modern, inklusif, dan terpercaya, dengan dukungan regulasi yang adaptif serta peningkatan literasi sebagai faktor kunci keberhasilannya.
The Axiology of Waqf in Islamic Education: A Hermeneutic Analysis of Junaid Thola's Thought Nasution, Marlian Arif; Ikbal, Muhammad; Rahmat, Paisal
Al-Hayat: Journal of Islamic Education Vol. 10 No. 2 (2026): Al-Hayat: Journal of Islamic Education
Publisher : LETIGES

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35723/ajie.v10i2.288

Abstract

The limited capacity of pesantren to develop Islamic education oriented toward institutional self-reliance in Mandailing Natal indicates an axiological problem in the management of waqf as a value-based instrument of education. In this context, the thought of Junaid Thola offers a historical–contextual perspective on waqf as the axiological foundation of Islamic education. This study aims to examine the relevance of Junaid Thola’s thought in Kaifiyyat (1927) as a basis for developing an Islamic education model grounded in Pesantrenpreneurship and productive waqf. The researchers employed a qualitative methodology with a multiple-case study design and conducted the study in six pesantren in Mandailing Natal (Musthafawiyah, Al-Junaidiyah, Darul Ikhlas, Darul Ulum, Darul Hadis, and Roihanul Jannah). A constructivist–interpretive approach is integrated with hermeneutic analysis to explore the relationship between classical Islamic texts and contemporary pesantren educational practices. The researchers collected data through in-depth interviews, observations, and document analysis and analysed them using interactive and abductive techniques supported by triangulation. The findings reveal that the relevance of Junaid Thola's thought within the context of pesantren-based Islamic education varies across institutions. Very high relevance is observed in pesantren with extensive waqf asset bases, whereas moderate relevance is found in pesantren with limited educational economic business units. Factors strengthening relevance include the availability of waqf assets and the coherence of leadership values with Islamic educational and business ethics, while limitations in physical assets function as constraining factors. Hermeneutic analysis of Kaifiyyat (1927) identifies 88 practical approaches to productive waqf encompassing six primary asset sources (agriculture, infrastructure, commerce, vocational activities, zakat, and collective contributions). These findings are synthesised into a Three-Pillar Axiological Model of Islamic Education, consisting of pesantren economic self-reliance (Asset Ontology), Islamic character education (Ethical Axiology), and Institutional Sustainability (Managerial Epistemology). This study contributes to the development of an integrative pesantren-based Islamic education model that bridges classical waqf thought with contemporary entrepreneurship-oriented educational practices.
Strategi Pemasaran Investasisyariah Di Era Influencer dan Media Sosial Adelina, Selvi; Pulungan, Indah Wahyuni; Rihalah, Saidah; Rahmat, Paisal
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7958

Abstract

Perkembangan teknologi digital yang masif telah membawa transformasi fundamental dalam strategi pemasaran global, tidak terkecuali pada industri investasi syariah. Penelitian ini bertujuan untuk menganalisis strategi pemasaran investasi syariah di era disrupsi digital, dengan fokus pada peran krusial media sosial dan influencer syariah dalam memengaruhi psikologi serta perilaku konsumen saat mengambil keputusan investasi. Metode penelitian yang digunakan adalah pendekatan kualitatif melalui studi kepustakaan (library research) yang menelaah berbagai referensi literatur ilmiah kontemporer. Hasil pembahasan menunjukkan bahwa pemanfaatan media sosial dan kolaborasi bersama influencer syariah memiliki peran strategis dalam meningkatkan literasi keuangan, membangun kepercayaan (trust) publik, serta memperluas jangkauan penetrasi pasar secara eksponensial. Meskipun demikian, penelitian ini mengidentifikasi beberapa tantangan signifikan, seperti rendahnya indeks literasi keuangan syariah di kalangan masyarakat luas, risiko misinformasi di ruang digital, serta isu kredibilitas pada sebagian komunikator digital. Di sisi lain, peluang pengembangan industri ini masih terbuka lebar seiring dengan meningkatnya tren gaya hidup halal (halal lifestyle) dan pesatnya kemajuan teknologi finansial (fintech). Sebagai rekomendasi, diperlukan integrasi strategi pemasaran yang mengedepankan edukasi berkelanjutan, optimalisasi konten digital yang informatif, serta pemilihan mitra influencer yang memiliki kompetensi syariah yang memadai. Seluruh strategi tersebut harus dijalankan dengan kepatuhan ketat terhadap prinsip etika bisnis Islam, yang mencakup aspek kejujuran (shiddiq), transparansi, dan amanah. Implementasi strategi pemasaran digital yang tepat diharapkan mampu meningkatkan partisipasi masyarakat secara masif sekaligus mendukung akselerasi pertumbuhan ekonomi syariah nasional yang berkelanjutan di masa depan.
Mekanisme Shariah Compliance pada Reksa Dana syariah: Tinjauan Regulasi dan Praktik di Indonesia Nst, Nabila Riski; Hasibuan, Maulana Sulaiman; Saputra, Muhammad Erwin; Rahmat, Paisal
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.8032

Abstract

Perkembangan pasar modal syariah di Indonesia dalam beberapa dekade terakhir menunjukkan peningkatan yang signifikan, khususnya pada produk reksa dana syariah yang semakin diminati oleh masyarakat. Namun, pertumbuhan tersebut juga diiringi dengan tantangan dalam menjaga konsistensi penerapan prinsip syariah dalam praktik pengelolaannya. Oleh karena itu, penelitian ini bertujuan untuk menganalisis konsep, regulasi, serta mekanisme shariah compliance pada reksa dana syariah di Indonesia, sekaligus mengidentifikasi berbagai kendala dalam implementasinya. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif melalui studi literatur terhadap berbagai sumber ilmiah dan regulasi terkait. Hasil penelitian menunjukkan bahwa penerapan shariah compliance dilakukan melalui mekanisme yang sistematis, meliputi proses screening terhadap instrumen investasi, cleansing terhadap pendapatan non-halal, pengelolaan dana oleh manajer investasi dengan akad syariah, pengawasan oleh Dewan Pengawas Syariah, serta transparansi dan pelaporan kepada investor. Selain itu, regulasi yang ada telah memberikan dasar hukum yang cukup kuat dalam mendukung kepatuhan syariah dan perlindungan investor. Namun, implementasi di lapangan masih menghadapi beberapa kendala, seperti rendahnya literasi keuangan syariah, keterbatasan instrumen investasi, serta kompleksitas produk keuangan modern. Berdasarkan hasil tersebut, dapat disimpulkan bahwa shariah compliance pada reksa dana syariah telah berjalan secara terstruktur, tetapi masih memerlukan penguatan melalui peningkatan edukasi, pengembangan instrumen, dan inovasi produk agar dapat berkembang secara optimal dan berkelanjutan.
Inovasi Produk Syariah dalam Menarik Investasi dari Sektor Hijau Billah, Salsa; Hapipah, Nur; Rifky, Mulia; Rahmat, Paisal
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.8158

Abstract

Investasi hijau syariah merupakan inovasi dalam sistem keuangan Islam yang mengintegrasikan prinsip syariah dengan tujuan pembangunan berkelanjutan. Konsep ini muncul sebagai respons terhadap meningkatnya isu perubahan iklim, kerusakan lingkungan, serta ketimpangan sosial dalam sistem ekonomi global. Dalam konteks ini, investasi tidak hanya berorientasi pada keuntungan finansial, tetapi juga memperhatikan dampak sosial dan lingkungan. Penelitian ini bertujuan untuk menganalisis berbagai produk inovatif dalam investasi hijau syariah, meliputi green sukuk, pembiayaan mudharabah–musyarakah hijau, indeks saham syariah hijau, serta reksa dana dan exchange-traded fund (ETF) syariah hijau. Selain itu, kajian ini juga membahas manfaat, tantangan, serta solusi dalam pengembangannya di Indonesia. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik studi pustaka (library research), menggunakan data sekunder dari jurnal ilmiah, buku, serta laporan resmi terkait. Hasil penelitian menunjukkan bahwa investasi hijau syariah memiliki potensi besar dalam mendukung perlindungan lingkungan, mendorong pertumbuhan ekonomi inklusif, menarik minat investor global, serta meningkatkan literasi keuangan berkelanjutan. Namun demikian, pengembangannya masih menghadapi berbagai kendala, seperti rendahnya literasi masyarakat, keterbatasan regulasi dan standar hijau, tingginya biaya transaksi, serta minimnya transparansi pengukuran dampak lingkungan. Oleh karena itu, diperlukan penguatan regulasi, peningkatan edukasi, pemberian insentif fiskal, serta kolaborasi lintas sektor agar investasi hijau syariah dapat berkembang secara optimal dan berkontribusi nyata terhadap pembangunan berkelanjutan di Indonesia.
Co-Authors Adelina, Selvi Billah, Salsa Hapipah, Nur Hasibuan, Maulana Sulaiman Hasnawiyah, Hasnawiyah Ibs, Juni Khairani Jureid, Jureid Lubis, Rahmad Hidayat Mardana, Yahya Muhammad Ikbal Muklis, Maulana Nasution, Marlian Arif Nst, Nabila Riski Nurjannah, Syamratun Pulungan, Ahyar Hamdi Pulungan, Indah Wahyuni Putra, Haris Maiza Rahmi, Aida Ramadani, Riski Rangkuti, Monita Rifky, Mulia Rihalah, Saidah Riski Rahmadani Saputra, Muhammad Erwin Usmayani, Ilham Putra