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All Journal Walisongo: Jurnal Penelitian Sosial Keagamaan Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Journal of Economic, Bussines and Accounting (COSTING) Distribusi Management Studies and Entrepreneurship Journal (MSEJ) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Terapan Manajemen dan Bisnis el-Jizya: Jurnal Ekonomi Islam Neo Journal of economy and social humanities KENDALI: Economics and Social Humanities LAN TABUR: JURNAL EKONOMI SYARIAH Jurnal Riset Ekonomi dan Manajemen Perbankan KASBANA: Jurnal Hukum Ekonomi Syari'ah
Moh Bahrudin
Universitas Islam Negeri Raden Intan Lampung
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ASSESSING THE IMPACT OF REMITTANCES FROM INDONESIAN MIGRANT WORKERS ON HOUSEHOLD WELFARE: INSIGHTS FROM THE SHARIA ECONOMIC FRAMEWORK Agus Salim; Moh. Bahrudin; Erike Anggraeni
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 2 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/q9fbyj48

Abstract

This study is grounded in the philosophy of maqāṣid al-sharī‘ah in Islamic economics, which positions welfare as the ultimate goal of the Shariah through the protection of religion, life, intellect, lineage, and wealth. The phenomenon of remittances sent by Indonesian Migrant Workers (PMI) has become a particular concern in East Lampung Regency, a region heavily dependent on remittances as a significant economic driver. The uniqueness of the problem arises when remittances not only affect economic aspects but also influence social, spiritual, and family dynamics, including religious practices, gender roles, and household stability. This research aims to analyze the implementation and utilization of PMI remittances and their impact on family welfare based on maqāṣid al-sharī‘ah indicators. A qualitative descriptive approach was employed through field studies using observation, documentation, and in-depth interviews with PMI and families receiving remittances in East Lampung Regency. The findings indicate that remittances contribute to improving family welfare, particularly in fulfilling basic needs, education, health, and strengthening family spirituality. However, negative effects were also identified, such as consumptive use of remittances, economic dependency, rising divorce cases due to long-distance separation and weak communication, and the absence of parental roles that may threaten family resilience. The perspective of maqāṣid al-sharī‘ah serves as an essential analytical tool to assess the balance between the benefits and risks of remittances holistically.
MENGINTEGRASIKAN METODOLOGI HUKUM SUNNI KLASIK KE DALAM PEMIKIRAN EKONOMI ISLAM KONTEMPORER Riyan Damara Putra; Moh. Bahrudin; Syamsul Hilal
KASBANA Vol 6 No 1 (2026): Januari-Juni
Publisher : Sekolah Tinggi Ilmu Syariah Darul Falah Bondowoso

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

Abstract

Abstract This study aims to examine how classical Sunni legal methodologies in usul al-fiqh can be systematically integrated into the development of contemporary Islamic economic thought. The analysis is grounded in the central problem that modern Islamic economic practices often rely on fragmented or overly textual approaches, despite the rich methodological traditions of the Hanafi, Maliki, Shafi‘i, and Hanbali schools. Using a qualitative descriptive–analytical method based on doctrinal review, this research explores authoritative classical texts alongside contemporary regulatory documents, including DSN–MUI fatwas, to assess the relevance of qiyas, istihsan, maslahah-oriented reasoning, contractual clarity, and maqasid-based considerations for present-day economic governance. The findings indicate that the methodological strengths of the four schools can be synthesized to provide a coherent normative and practical foundation for addressing modern economic issues such as digital transactions, ethical finance, and sustainability. The study demonstrates that the integration of classical jurisprudential principles not only strengthens the legitimacy of Islamic economic policies but also enhances their adaptability to emerging challenges. This research contributes by offering an analytical framework that connects the epistemology of Islamic legal theory with contemporary policy formation, thereby promoting an Islamic economic system that is both principled and responsive to societal needs. Keywords : DSN-MUI, Islamic Economics, Sunni School of Law, Islamic Legal Methodology, Usul al-Fiqh
Digitalisasi UMKM Perempuan Sebagai Upaya Penguatan Ekonomi Keluarga Dan Komunitas Siti Hanifah; Moh Bahrudin; Evi Ekawati
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 4 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i4.10835

Abstract

Digitalization has become a key driver in the transformation of the global economy, including in the development of Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the role of digitalization in empowering women-owned MSMEs and strengthening household and community economies. The research employs a qualitative approach using a literature review method by examining various relevant sources from academic journals and scholarly books. The findings indicate that digitalization has a significant positive impact on the performance of women-owned MSMEs, particularly in expanding market access, improving operational efficiency, and enhancing financial inclusion through the use of digital technologies such as e-commerce, social media, and digital financial services. Furthermore, digitalization contributes to increased household income and creates broader economic opportunities at the community level. However, the study also reveals that the implementation of digitalization faces several challenges, including low levels of digital literacy, limited access to technological infrastructure, and socio-cultural barriers that affect women’s participation in the digital economy. These challenges result in a gap between the potential benefits and the actual implementation of digitalization among women entrepreneurs. Therefore, integrated efforts from multiple stakeholders are needed to enhance women’s digital capacity through training programs, improved access to technology, and inclusive policy support. This study contributes to the existing literature on digital-based women’s economic empowerment and provides insights for developing sustainable strategies to strengthen women-owned MSMEs 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) Is Susanto; 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, 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.
Maqashid Al-Shariah and Its Contribution to the Islamic Economy Desta; Moh. Bahrudin; Syamsul Hilal
Neo Journal of economy and social humanities Vol 4 No 4 (2025): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v4i4.365

Abstract

This study aims to analyze the definition of Maqashid Al-Sharia, both classical and contemporary, identify its background, and assess its contribution to the development of Islamic Economics. The method used in this study is a literature review with a normative juridical approach that examines the sources of classical and contemporary Islamic law relevant to the formulation of economic policy. The results of this study indicate that the sharia economy in the context of Maqashid Al-Sharia adheres to five basic cases (Al-kulliyat al-khams), namely maintaining religion (Hifz ad-din), maintaining the soul (hifdz an-nafs), maintaining reason (hifdz al-aql), and maintaining wealth (hifdz al-maal), which aims to create a fair and welfare-oriented economic system.
KONTRIBUSI USHUL FIQH TERHADAP TANTANGAN KEUANGAN SYARIAH Yulia Andriani; Moh. Bahrudin; Syamsul Hilal
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities, November 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.1010

Abstract

Penelitian ini bertujuan untuk menganalisis kontribusi Ushul Fiqh terhadap tantangan yang dihadapi oleh keuangan syariah kontemporer. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan jenis kajian pustaka (literature review) dan analisis konten (content analysis) dari berbagai sumber terpercaya seperti buku dan jurnal ilmiah. Hasil penelitian menyimpulkan bahwa Ushul Fiqh memiliki peran fundamental dan tak tergantikan sebagai landasan metodologis dan teoritis dalam pengembangan ekonomi syariah modern. Ushul Fiqh memungkinkan para cendekiawan dan praktisi untuk merumuskan hukum syar’i atas isu-isu baru yang belum ada pada masa klasik, sehingga berfungsi sebagai kompas moral dan intelektual di era globalisasi dan digitalisasi. Kontribusi utamanya diwujudkan melalui legalisasi dan inovasi produk keuangan yang kompleks, seperti Structured Repackaged Ijarah Asset (SRIA), dengan memastikan kepatuhan terhadap larangan riba, gharar, dan maysir. Selain itu, Ushul Fiqh memfasilitasi regulasi proaktif terhadap teknologi keuangan (FinTech) syariah melalui kaidah Maslahah Mursalah. Kaidah-kaidah Ushuliyyah, seperti "Al-Ashlu fil Asyya' al-Ibahah" (asal segala sesuatu itu boleh) dan kaidah Maslahah, memberikan dasar hukum untuk menilai kehalalan instrumen keuangan baru, memastikan sistem keuangan syariah tetap efisien dan kompetitif tanpa mengorbankan integritas syariah. Dengan demikian, Ushul Fiqh memberikan kerangka yurisprudensi yang kokoh untuk memastikan pasar modal syariah tidak hanya efisien tetapi juga etis dan adil.
IMPLEMENTASI INVESTASI DALAM ISLAM MENURUT PANDANGAN DAN ATURAN DSN-MUI NOMOR 40/DSN-MUI/X/2003 Reska Maulida; Syamsul Hilal; Moh. Bahrudin
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities, November 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.1018

Abstract

Penelitian ini bertujuan untuk menganalisis secara komprehensif implementasi investasi dalam Islam menurut pandangan dan aturan yang tertuang dalam Fatwa DSN-MUI Nomor 40/DSN-MUI/X/2003 tentang Pasar Modal dan Pedoman Umum Penerapan Prinsip Syariah di Bidang Pasar Modal. Metode penelitian yang digunakan adalah studi literatur (library research) dengan pendekatan analisis isi (content analysis) terhadap sumber-sumber primer berupa fatwa DSN-MUI, jurnal ilmiah, dan laporan penelitian terkait investasi dan pasar modal syariah, serta sumber sekunder yang relevan. Hasil penelitian menunjukkan bahwa Fatwa DSN-MUI Nomor 40/DSN-MUI/X/2003 memiliki landasan syariah yang kuat dan komprehensif, bersumber dari dalil-dalil Al-Qur'an (QS. Al-Baqarah: 275, QS. An-Nisa: 29, QS. Al-Hasyr: 18), hadits (hadits tentang mudharabah dan larangan gharar), ijma' ulama dari berbagai mazhab (Hanafi, Maliki, Syafi'i, Hanbali), dan kaidah ushul fiqh. Implementasi fatwa dalam praktik pasar modal syariah Indonesia dilakukan melalui mekanisme screening bertahap yang terdiri dari business screening untuk mengeliminasi sektor usaha yang bertentangan dengan prinsip syariah, dan financial screening dengan parameter total utang berbasis bunga maksimal 45% dari total aset dan total pendapatan tidak halal maksimal 10% dari total pendapatan. Investasi syariah memiliki karakteristik khusus yang membedakannya dari investasi konvensional, yaitu kebebasan dari unsur riba, gharar, dan maysir, serta dibangun atas prinsip fundamental keadilan (al-'adl), transparansi (ash-shiddiq), kemaslahatan, dan kehati-hatian. Landasan hukum positif Indonesia melalui UUD 1945 Pasal 29, UU Nomor 8 Tahun 1995 tentang Pasar Modal, UU Nomor 21 Tahun 2011 tentang OJK, dan POJK Nomor 15/POJK.04/2015 memberikan dukungan regulasi yang kuat dengan menjadikan fatwa DSN-MUI sebagai rujukan wajib dalam penerapan prinsip syariah di pasar modal Indonesia. Penelitian ini menyimpulkan bahwa harmonisasi antara otoritas fatwa (DSN-MUI) dan regulator (OJK) menjadi faktor kunci kesuksesan pengembangan pasar modal syariah di Indonesia, meskipun masih terdapat tantangan terkait threshold financial screening, dinamika status syariah saham, dan gap literasi yang memerlukan perbaikan berkelanjutan.
ANALISIS MASLAHAH MURSALAH DALAM IMPLEMENTASI MEKANISME PASAR Isti Safira; Moh. Bahrudin; Syamsul Hilal
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities, November 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.1021

Abstract

Penelitian ini bertujuan untuk menghasilkan kerangka evaluatif sistematis yang mengintegrasikan analisis kegagalan pasar dari teori ekonomi konvensional dengan prinsip normatif Syariah, khususnya Maslahah Mursalah dalam implementasi mekanisme pasar. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan jenis kajian pustaka dan analisis konten dari berbagai sumber terpercaya untuk menganalisis penerapan Maslahah Mursalah dalam regulasi pasar. Hasil analisis menunjukkan bahwa Maslahah Mursalah berfungsi sebagai instrumen ijtihadi yang vital dan memberikan legitimasi filosofis bagi intervensi negara yang melampaui efisiensi belaka, membenarkan regulasi pasar untuk menolak kezaliman (zulm) dan melindungi Maqasid Syariah khususnya Hifz al-Mal dan Hifz al-Nafs sekaligus mengatasi market failure kontemporer.
KONTRIBUSI USHUL FIQH TERHADAP PEMBENTUKAN KEBIJAKAN EKONOMI PERSPEKTIF EKONOMI ISLAM Tina Tina; Moh. Bahrudin; Syamsul Hilal
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities, November 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.1091

Abstract

Penelitian ini bertujuan untuk menganalisis kontribusi Ushul Fiqh terhadap pembentukan kebijakan ekonomi dalam perspektif ekonomi Islam. Metode yang digunakan dalam penelitian ini adalah penelitian kepustakaan (library research) dengan pendekatan yuridis normatif (doctrinal approach), yaitu mengkaji sumber-sumber hukum Islam klasik dan kontemporer yang relevan dengan perumusan kebijakan ekonomi. Hasil penelitian menunjukkan bahwa Ushul Fiqh memiliki peran fundamental dalam tiga aspek utama, yaitu epistemologis, normatif, dan praktis. Secara epistemologis, Ushul Fiqh menyediakan dasar metodologis dalam menggali prinsip-prinsip hukum ekonomi Islam. Secara normatif, ia berfungsi menjaga agar setiap kebijakan ekonomi tetap sejalan dengan maqashid al-syariah, seperti keadilan, kemaslahatan, dan kesejahteraan umat. Sedangkan secara praktis, Ushul Fiqh memberikan panduan bagi para pembuat kebijakan dalam merumuskan sistem ekonomi Islam yang adil, berkelanjutan, dan sesuai dengan nilai-nilai syariah. Dengan demikian, Ushul Fiqh tidak hanya berperan sebagai landasan hukum, tetapi juga sebagai paradigma etis dan konseptual dalam pembangunan ekonomi Islam kontemporer.
APLIKASI ‘URF DALAM AKAD JUAL BELI SALAM: ANALISIS HUJJAH DAN RELEVANSI FIQH MUAMALAH KONTEMPORER Leni Riski Hayati; Moh. Bahrudin; Syamsul Hilal
KENDALI: Economics and Social Humanities Vol. 4 No. 2 (2025): KENDALI: Economics and Social Sciences Humanities, November 2025
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i2.1020

Abstract

Perekonomian Syariah kontemporer membutuhkan instrumen keuangan yang dapat memfasilitasi modal kerja sektor riil tanpa riba atau spekulasi yang dilarang. Salah satu instrumen fundamental, Akad Jual Beli Salam (kontrak dengan pembayaran tunai penuh di muka dan penyerahan barang ditangguhkan), menghadapi tantangan dalam transaksi modern karena sulitnya merinci semua detail teknis barang (Muslam Fiihi) dalam kontrak tertulis. Penelitian ini mengkaji bagaimana konsep 'Urf (kebiasaan atau adat) dalam kerangka Ushul Fiqh berperan krusial dalam mengisi kekosongan hukum tersebut dan memastikan validitas operasional Akad Salam di lapangan. Metode yang digunakan adalah Yuridis Normatif (Library Research), berfokus pada analisis sistematis kaidah-kaidah hukum Islam terkait 'Urf dan Akad Salam. Hasil analisis menegaskan bahwa 'Urf bertindak sebagai "kontrak tak terucapkan", menghilangkan gharar (ketidakpastian berlebihan) yang melekat pada penjualan barang yang belum ada. Kaidah 'al-'Adatu muhakkamah' (adat kebiasaan dapat dijadikan sumber hukum) memvalidasi 'Urf Shahih (kebiasaan yang tidak bertentangan dengan nash Syariah). Dalam praktiknya, 'Urf menentukan standar kualitas rata-rata atau standar pasar yang lazim diperdagangkan ketika kontrak diam. Namun, 'Urf harus ditolak ('Urf Fasid) jika bertentangan dengan prinsip Syariah, misalnya jika membatalkan syarat fundamental Akad Salam seperti kewajiban taqabuth (penyerahan harga tunai di muka). Implikasi regulasi kontemporer menunjukkan bahwa 'Urf telah dilembagakan melalui Fatwa DSN-MUI untuk menetapkan besaran kuantitatif yang wajar dan melalui lembaga global seperti AAOIFI yang membentuk 'Urf Tijari Mu'tabar (kebiasaan dagang yang disepakati secara luas), menjamin kepastian hukum, transparansi, dan keselarasan Akad Salam dengan Maqasid Syari'ah (tujuan syariah).
Co-Authors Adinda Choirul Ummah Agus Salim Ahmad Genaro Ahmad Habibi Ahmad Hazas Syarif Ahmad Isnaeni Desta Dimas Pratoma Erike Anggraeni Evi Ekawati F. Faisal Faisal Faisal Ghina Ulfa Saefurahman Ghina Ulfa Saefurrohman Ghina Ulfah Saefurrohma Gustarina Andini Hanif Hanif Hazas Syarif Iis Rahayu Iqbal, Muhammad Is Susanto Isti Safira Kurniawan, Dwi Agus Leni Riski Hayati Madnasir Madnasir Moh. Mukri Mohd Mizan bin Mohammad Aslam Muhammad Zaki N. Nasruddin Oktia Tamara R Rohimah Sumiyati Rahmad Nur Wicaksono Reska Maulida Riyan Damara Putra Riyan Erwin Hidayat Ruslan Abdul Ghofur Siti Hanifah Suharto Suhendar Suhendar Syamsul Hilal Syamsul Hilal Tina Tina Tulus Suryanto Wasril Purnawan Yulia Andriani Yulistia Devi