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All Journal ASAS : Jurnal Hukum Ekonomi Syariah INFERENSI ISLAMICA: Jurnal Studi Keislaman Laa Maisyir Jurnal Ekonomi Islam Episteme: Jurnal Pengembangan Ilmu Keislaman An-Nisbah: Jurnal Ekonomi Syariah MIQOT: Jurnal Ilmu-ilmu Keislaman Studia Economica: Jurnal Ekonomi Islam Al-Mustashfa Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Shirkah: Journal of Economics and Business YUME : Journal of Management Istinbath: Jurnal Hukum dan Ekonomi Islam TSAQAFAH LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Proceedings of International Conference on Da'wa and Communication Edukais : Jurnal Pemikiran Keislaman El-Qist : Journal of Islamic Economics and Business (JIEB) Airlangga International Journal of Islamic Economics and Finance Muhasabatuna: Jurnal Akuntansi Syariah Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Journal of Economics Research and Policy Studies Jurnal Riset Ilmu Ekonomi dan Bisnis EKONOMIKA SYARIAH : Journal of Economic Studies Journal Research of Social Science, Economics, and Management Journal of Economics and Policy Studies (JEPS) Maslahah: Jurnal Manajemen dan Ekonomi Syariah International Journal of Islamicate Social Studies Jurnal Ekonomi Bisnis Manajemen dan Akuntansi (Jebisma) Jurnal Kajian Islam dan Sosial Keagamaan Journal of Islamic Economic Scholar Epistemé: Jurnal Pengembangan Ilmu Keislaman An-Nisbah: Jurnal Ekonomi Syariah Islamic Micro Finance Journal Journal of Business Improvement Indonesian Journal of Islamic Literature and Muslim Society Welfare: Jurnal Pengabdian Masyarakat Syaikhuna: Jurnal Pendidikan dan Pranata Islam STAI Syaichona Moh. Cholil Bangkalan Jurnal Publikasi Ekonomi dan Akuntansi Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Sirajul Arifin
Universitas Islam Negeri Sunan Ampel
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Zuhd as an Ethical Critique of Digital Hedonism: A Literature-Based Study from the Perspective of Islamic Economic Ethics Maula Nasrifah; Sirajul Arifin
Muhasabatuna : Jurnal Akuntansi Syariah Vol. 7 No. 2 (2025): December
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian Masyarakat Institut Agama Islam syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/muhasabatuna.v7i2.3809

Abstract

Digital hedonism, which has intensified through social media, platform-based economies, and instant consumption culture, has fostered behavioral patterns oriented toward pleasure-seeking, excessive self-presentation, and self-commodification. These developments have generated significant ethical tensions in the consumption practices of Muslim communities. This article examines the concept of zuhd as an ethical critique of digital hedonism using a qualitative library research approach. Data were drawn from classical and contemporary Islamic literature as well as empirical studies on digital consumption and Islamic economic ethics. The analysis reveals that zuhd should not be understood as hostility toward pleasure or technology, but as a value-oriented framework that regulates consumption motives in accordance with spiritual objectives (maqāṣid al-sharīʿah). In the digital context, zuhd functions as an ethical compass that mitigates consumptive pressure, strengthens self-awareness, and reorients the moral use of technology. This study offers a conceptual contribution to the development of digital consumption ethics within Islamic economic thought.
Maqaṣid Al-Syariʿah sebagai Kerangka Evaluatif untuk Platform Crowdfunding Hayatul Millah; Sirajul Arifin; Maula Nasrifah
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 6, No. 1, Juli 2026, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrieb.v6i1.9114

Abstract

Abstract. This study aims to develop an evaluative framework based on maqāṣid al-syarī‘ah for sharia crowdfunding platforms within social financing in Indonesia. The study employs a qualitative approach using a library research design, drawing on academic literature, regulations, and documents from the Islamic fintech industry. Data analysis is conducted using thematic analysis. The findings present a maqāṣid al-syarī‘ah evaluative framework consisting of three dimensions: (1) the value dimension (core maqāṣid), covering protection of religion, life, intellect, lineage, and wealth through indicators of sharia compliance, social impact, risk literacy, benefit sustainability, and fund protection; (2) the process dimension, including information transparency, sharia governance, risk mitigation, and documented fund flow; and (3) the impact dimension, measured by program sustainability, beneficiary welfare improvement, and economic empowerment. This study confirms that a maqāṣid-based approach can bridge the gap between formal compliance and socio-economic objectives in Islamic fintech. The framework is expected to serve as a foundation for developing more comprehensive and measurable evaluation standards for sharia crowdfunding. Abstrak. Penelitian ini bertujuan mengembangkan kerangka evaluatif berbasis maqāṣid al-syarī‘ah untuk platform crowdfunding syariah dalam pembiayaan sosial di Indonesia. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi pustaka yang bersumber dari literatur akademik, regulasi, dan dokumen industri fintech syariah. Analisis data dilakukan melalui analisis tematik. Hasil penelitian menunjukkan kerangka evaluatif maqāṣid al-syarī‘ah yang terdiri dari tiga dimensi: (1) dimensi nilai (maqāṣid inti) mencakup perlindungan agama, jiwa, akal, keturunan, dan harta melalui indikator kepatuhan syariah, dampak sosial, literasi risiko, keberlanjutan manfaat, dan perlindungan dana; (2) dimensi proses meliputi transparansi informasi, tata kelola syariah, mitigasi risiko, dan dokumentasi alur dana; serta (3) dimensi dampak yang diukur melalui keberlanjutan program, kesejahteraan penerima manfaat, dan pemberdayaan ekonomi. Kajian ini menegaskan bahwa pendekatan berbasis maqāṣid dapat menjembatani kesenjangan antara kepatuhan formal dan tujuan sosial-ekonomi dalam fintech syariah. Kerangka ini diharapkan menjadi dasar pengembangan standar evaluasi crowdfunding syariah yang lebih komprehensif.
Personal Touch di Era Digital: Refleksi Komunikasi Langsung dalam Program Migrasi Perbankan (Studi Kasus Magang di BSI KCP Surabaya Rungkut 1) Toyyibatus Samsiah; Sirajul Arifin
Jurnal Kajian Islam dan Sosial Keagamaan Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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

Abstract

Mobile banking application migration programs often face challenges in the form of customer resistance and anxiety towards new technology. This qualitative case study aims to analyze the process, effectiveness, and dynamics of personal communication (via WhatsApp/telephone) implemented in the application migration program at Bank Syariah Indonesia (BSI) KCP Surabaya Rungkut 1, from the reflective perspective of interns as direct participants. Data was collected through participatory observation and reflective documentation during the three-week program period, then analyzed thematically. The findings show three patterns of customer responses (Skeptical-Aggressive, Cooperative-Interactive, Verificative-Analytical) that require different handling strategies. A critical point occurred when interactions evolved from technical migration transactions to discussions about other products, marking the formation of trust and relational value. The main obstacles were customer technical barriers and network limitations. Critical reflection using four theoretical lenses reveals that personal communication functions multidimensionally: as a catalyst for technology acceptance (Technology Acceptance Model), a manifestation of service quality (SERVQUAL/IBSQ), a means of building interpersonal trust, and an investment in relationship marketing. The practical implication is that a personal approach to digital transformation should be viewed as a strategic investment that not only pursues adoption targets but, more importantly, converts the momentum of change into strengthening long-term customer loyalty.
The Efficiency of KSPPS BMT UGT Nusantara Branches in East Java using Data Envelopment Analysis (DEA) Period 2018-2022 Jaudat Iqbal Harris; Sirajul Arifin; Muhammad Yazid
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8485

Abstract

Performance assessment of Islamic financial institutions such as KSPPS BMT UGT Nusantara is crucial to ensure optimal resource utilisation and improved customer service. This study evaluates the efficiency of several branches of KSPPS BMT UGT Nusantara in East Java from 2018 to 2022 using the Data Envelopment Analysis (DEA) approach. Input variables include the number of employees, total assets, and operational costs, while output variables encompass the number of customers, total financing, and total income. The results show that during the 2018-2022 period, many branches of BMT UGT Nusantara had not yet reached optimal scale, although some had achieved efficiency levels in both production and intermediation approaches. In the production approach, 50% of branches achieved technical efficiency, pure technical efficiency, and scale efficiency, while in the intermediation approach, 55% of branches achieved the same efficiency levels. To address inefficiencies, recommended strategies include: adjusting the number of employees according to actual needs; reducing excessive operational costs by identifying and eliminating unnecessary expenses; and managing assets more effectively by reinvesting in revenue-generating activities.
Co-Authors A'la, Hadika A'zul A. Syatir Sofyan Abdurrahman Mansyur Adibah Badzlina Adriani, Siti Kamiliyah Agustin, Isnaini Faliha Ahmad Fauz Ahmad Fauzi Ahmad Munir Hamid Ahmad, Zakiyyah Ilma Ahmed, Ishfaq Ahsan, Muhamad Aldi Khusmufa Nur Iman Alfin Maulana Anisatul Maghfiroh Anisatul Maghfiroh AS, Fathor Atep Hendang Waluya Auliah Eka Putri A.M Ayu Rahayu Nurhalizah Azwar Cholili Baiq Elbadriati Burhan Djamaluddin Eja Armaz Hardi Fahmi, Moh Farih Fathor AS Fatimatul Fatmariyah Fatmariyah, Fatimatul Fithri, Windy Dwi Zhelsa Hayatul Millah Heryandi, M Tubi Hilda Pradifta Hosaini, Hosaini Ilham, Moh Imam Muslih Imtiyaz, Nakhwah Bahirotul Irzal Febriansyah Jaudat Iqbal Harris Latif, Sahraman D. Hadii Luthfi Akmal Muzakki Luthfi Akmal Muzakki M. Luthfillah Habibi MAGHFIROH, ANISATUL Mariyani, Marni Maula Nasrifah Maula Nasrifah Maulidiyah, Putri Moch. Mahsun Mugiyati Muh. Syaukin Muttaqin Muhammad Andik Izzuddin Muhammad Riza Hafizi Muhammad Syarif Muhammad Yazid Muhammad Yazid Muslih, Imam Mutafarida, Binti Muttaqin, Muh. Syaukin Muzammil, Muzammil Nur Asnawi Nur Syam Nur Syam Nursyamsu Nursyamsu Putri Maulidiyah Rahma Kun Zakiyah Rendi Kurniawan Rijal, Akmalur Riska Agustin Rofika Febriani Safitri, Muharofah Nur Setiawan, Firman Sholihah, Fefi Diniyati Siska Dwi Oktavia Siti Kalimah Siti Nur Azizah Sofyan, Syaakir Syamsu, N. Syarif, Muh. Toyyibatus Samsiah Ubaidillah, Fauzul Adim Walid In'am Ahmad waziroh, iro Windy Dwi Zhelsa Fithri Yuniarti Hidayah Suyoso Putra Zainuddin, Moh. Zakariya, Novie Andriani Zunaidi, Arif