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Keadilan Sosial Dalam Ekonomi Syari'ah Melalui Tafsir Surat Ar-Ra'd Ayat 11 Tentang Perubahan Sosial dan Ekonomi Umat Malasyi, Sibral; Tarigan, Azhari Akmal; Syahreza, Rahmi
Al-Mizan Vol 11 No 2 (2024): Al-Mizan
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam (IAI) Al-Aziziyah Samalanga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54621/jiam.v11i2.939

Abstract

This paper discusses the application of sosial justice principles in Islamic economics through the interpretation of Surah Ar-Ra'd verse 11, highlighting its relevance to social and economic transformation within the Muslim community. The verse emphasizes that significant societal changes can only occur when individuals and communities first change themselves. This underscores the importance of internal awareness as a foundation for broader social change. In Islamic economics, social justice serves as a central pillar, encompassing fair wealth distribution, the prohibition of economic exploitation (riba, gharar, and maysir), and community empowerment through zakat, waqf, and infaq. The analysis, based on the library research method, reveals a strong interconnection between social and economic transformation. Changes in societal values and mindsets drive the establishment of a more equitable economic system, while just economic policies accelerate inclusive social change. The application of social justice principles remains relevant in the modern era, addressing challenges of economic and social inequality. Reforms in the Sharia-based financial system, Islamic fiscal policies, and empowerment through Islamic economic education and Sharia-based SMEs are concrete steps toward reducing social disparities. A synergy between the state and society is essential to realize social justice in Islamic economics. The state plays a role in creating supportive regulations, while society actively contributes to their implementation. Thus, the interpretation of Surah Ar-Ra'd verse 11 provides both theological and practical foundations for establishing a just and sustainable economic system. Makalah ini membahas penerapan prinsip keadilan sosial dalam ekonomi syari'ah melalui tafsir Surat Ar-Ra'd Ayat 11, dengan menyoroti keterkaitannya dengan perubahan sosial dan ekonomi umat. Ayat ini menegaskan bahwa perubahan besar dalam masyarakat hanya dapat terjadi apabila individu dan masyarakat terlebih dahulu mengubah diri mereka sendiri. Hal ini menegaskan pentingnya kesadaran internal sebagai dasar perubahan sosial yang lebih luas. Dalam ekonomi syari'ah, keadilan sosial menjadi pilar utama, mencakup distribusi kekayaan yang adil, larangan eksploitasi ekonomi (riba, gharar, dan maysir), serta pemberdayaan umat melalui zakat, wakaf, dan infak. Analisis berbasis metode library research ini menunjukkan adanya hubungan erat antara perubahan sosial dan ekonomi. Perubahan nilai dan pola pikir masyarakat mendorong terciptanya sistem ekonomi yang lebih adil, sementara kebijakan ekonomi yang berkeadilan mempercepat perubahan sosial yang inklusif. Penerapan prinsip keadilan sosial tetap relevan di era modern dalam menghadapi tantangan ketimpangan sosial dan ekonomi. Reformasi sistem keuangan syari'ah, kebijakan fiskal Islami, serta pemberdayaan melalui pendidikan ekonomi syari'ah dan UMKM berbasis syari'ah menjadi langkah konkret mengurangi kesenjangan sosial. Sinergi antara negara dan masyarakat diperlukan untuk mewujudkan keadilan sosial dalam ekonomi syari'ah. Negara berperan dalam menciptakan regulasi yang mendukung, sementara masyarakat berkontribusi aktif mendukung implementasinya. Dengan demikian, tafsir Surat Ar-Ra'd Ayat 11 memberikan landasan teologis dan praktis untuk menciptakan sistem ekonomi yang berkeadilan dan berkelanjutan.
ANALYZING THE BLT POLICY’S EFFECTS DURING THE PANDEMIC ERA: AN ISLAMIC ECONOMIC PERSPECTIVE STUDY Amin, Khairil; Tarigan, Azhari Akmal; Nurbaiti, Nurbaiti
Interdisciplinary Social Studies Vol. 1 No. 5 (2022): Special Issue
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/iss.v1i5.125

Abstract

Background: Direct cash assistance in Indonesia is organized by a mechanism in the form of compensation for cash, food, health insurance, and education with a target of three levels. Almost poor, poor, very poor. BLT was first held in Indonesia in 2005. Aims: This study aims to analyze the impact of the direct cash assistance program policy in the era of the COVID-19 pandemic with a review of the Islamic economic perspective. Method: This type of research uses a qualitative approach that produces descriptive data in the form of words from interviews conducted by the author to village officials and recipients of direct cash assistance. Findings: The results of this study indicate that, during the covid-19 pandemic, the government provided assistance in cash which was shown to the groups most affected by COVID-19, including the poor, formal workers, and online transportation business actors. And economically, the provision of BLT can only meet the needs of the community within a period of 2 weeks and cannot help the community to meet the needs within a period of 1 month as determined, and after that BLT cannot increase people's income, and this assistance also cannot be used for working capital.
PRINSIP KONSUMSI DALAM PERSPEKTIF EKONOMI ISLAM: TELAAH TAFSIR QURAN SURAT AL-ISRA’ Aini, Ihdi; Tarigan, Azhari Akmal; Enghariano, Desri Ari
Yurisprudentia: Jurnal Hukum Ekonomi Vol 10, No 1 (2024)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/yurisprudentia.v10i1.11359

Abstract

Pola konsumsi manusia yang terindikasi bersikap mubazir telah menyebabkan banyak permasalahan secara nasional dan global. Sampah makanan yang ditimbulkan dari sikap mubazir tersebut telah mengakibatkan berbagai masalah seperti membebani sistem pengelolaan sampah, memperburuk kerawanan pangan, dan salah satu kontributor utama masalah lingkungan seperti perubahan iklim, hilangnya keanekaragaman hayati, dan pencemaran. United Nations Environment Programme (UNEP) mengestimasi delapan hingga sepuluh persen emisi gas rumah kaca global disebabkan oleh makanan yang tidak dikonsumsi. Tujuan dari studi ini adalah untuk menganalisis tentang prinsip dan norma konsumsi dalam ekonomi Islam dengan menganalisa ayat-ayat yang terkait dengan konsumsi pada al-Qur’an surat al-Isra’. Penelitian ini adalah penelitian kualitatif dengan pendekatan tafsir tematik. Sumber utama dari penelitian ini adalah ayat-ayat yang berkaitan dengan prinsip konsumsi pada al-Qur’an surat al-Isra’. Adapun sumber pendukung yang digunakan ialah kitab-kitab tafsir dan sumber literatur lainnya yang berhubungan dengan pokok bahasan. Berdasarkan hasil analisis dari penelitian ini ditemukan lima prinsip dasar konsumsi dalam ekonomi islam yang dapat diambil dari al-Qur’an surat al-Isra’.  Pertama, prinsip tauhid. Kedua, prinsip moralitas. Ketiga, larangan bersikap tabzir dan israf. Keempat, prinsip kesederhanaan dan larangan bermewah-mewahan. Kelima, prinsip keseimbangan. Apabila prinsip-prinsip konsumsi tersebut diimplementasikan secara keseluruhan oleh ummat manusia maka diyakini dapat berimplikasi dalam penyelesaian masalah ketahanan pangan baik dunia maupun nasional, menyelesaikan permasalahan sampah yang merusak bumi dan lingkungan serta dapat mewujudkan kesejahteraan masyarakat secara umum sebagaimana yang dicita-citakan secara global melalui program Sustainable Development Goals (SDGs).
Business Strategies for Improving Sales in Muslim Garment Industry: A Case Study of Convection Work Saragih, Murniati Arinda; Yafiz, Muhammad; Tarigan, Azhari Akmal
Tasharruf: Journal Economics and Business of Islam Vol 10, No 2 (2025): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i2.3854

Abstract

This study aims to analyze the business development strategies of Royal Konveksi & Production, a Muslim fashion convection enterprise, to improve sales performance in Medan City. This research addresses the gap in understanding how SMEs in the Muslim fashion sector can formulate sustainable strategies amid increasing competition and digital transformation. The study employs a descriptive qualitative method, with data collected through observation, interviews, and documentation of business activities and stakeholder perspectives. SWOT analysis is applied to systematically identify the company’s strengths, weaknesses, opportunities, and threats. Findings reveal that Royal Konveksi’s strengths include high-quality products, affordable pricing, over nine years of operational experience, and strong institutional trust. Weaknesses involve dependence on institutional orders, reliance on certain suppliers, and limited logistics partnerships. Opportunities exist in growing demand for Muslim apparel, supportive government policies, and digitalization trends, whereas threats stem from intense market competition and fluctuating raw material prices. Recommended strategies include optimizing digital marketing, diversifying product lines, expanding retail channels, and enhancing cooperation with suppliers and logistics partners. This study contributes both theoretically and practically by providing a framework for sustainable business development strategies in the Muslim fashion sector, serving as a reference for SMEs and offering insights for academic research on SME growth and strategic management.
Online Business Ethics Violations: The Unspoken Danger Behind Medan‎ City' Digital Screens Ahmad Kholil; Azhari Akmal Tarigan; Muhammad Syukri Albani Nasution
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.5969

Abstract

The phenomenon of online business in Medan City is growing rapidly, but it is accompanied by various‎ violations of business ethics that harm consumers and reduce public trust. ‎This research aims to analyze the forms of online business ethics violations, the factors‎ causing them, and their impact on the digital trade ecosystem. Using a qualitative‎ approach through case studies, data was collected from in-depth interviews with business‎ actors, consumers, and sharia economic experts. The results identified various‎ forms of violations such as price manipulation, data misuse, and fraudulent practices. ‎The main factors that trigger violations include weak regulations, low digital literacy,‎ and unfair business competition. The resulting impacts include a decline in‎ consumer confidence and a slowdown in the development of the digital economy. The novelty of this‎ research lies in the integration of the perspectives of business actors, consumers, and sharia economic experts in‎ understanding the dynamics of online business ethics violations in Medan City.‎
Towards a Sustainable Halal Ecosystem: Regulators' Perspectives in the Era of Mandatory Halal Certification 2026 Ismail Ismail; Andri Soemitra; Zuhrinal M. Nawawi; Azhari Akmal Tarigan
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.5970

Abstract

This study examines stakeholder perspectives on the mandatory halal certification requirement for Small and Medium Enterprises (SMEs) in North Sumatra, which will take effect in 2026. The core issue explored is how this obligation presents both opportunities and challenges in enhancing the competitiveness of SMEs. The study aims to identify barriers, solutions, and cross-sector collaborations in the implementation of halal certification. This research employs a qualitative descriptive approach, utilizing in-depth interviews with informants from government bodies, academia, and SME assistance institutions. The findings indicate that halal certification contributes to increased consumer trust and strengthens SME competitiveness. However, significant challenges remain, including high certification costs, complex procedures, and a lack of awareness campaigns. Proposed innovations include simplifying certification procedures, government subsidies, and technical training and assistance. This study updates the existing literature by highlighting the role of cooperative agencies and SME assistance institutions in the halal supply chain, which has previously received limited attention. In this context, cross-sector collaboration and flexible policies are essential to overcoming the challenges faced by SMEs, ensuring inclusive access to halal certification, and enhancing global competitiveness.‎
Decision Ethics and Risk Mitigation: Asset Protection in the Moses–Khidr Narrative Jamila, Khaidar rahmaini; Rokan, Mustafa Khamal; Tarigan, Azhari Akmal
International Journal of Economics, Science, and Education Vol. 2 No. 5 (2025): International Journal of Economics, Science, and Education (IJESE)
Publisher : CV Pena Jaya Pers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65254/ijese.v2i5.55

Abstract

Purpose: This study aims to examine the ethics of decision-making and risk mitigation in the Qur’an through the narrative of Prophet Moses and Khidr (peace be upon them) in Surah Al-Kahf verse 71, and to explore its relevance to asset protection and contemporary Islamic insurance. Design/methodology/approach: The study employs a qualitative descriptive approach with library research. The main reference is Tafsir Al-Iqtishodiy by Rafiq Yunus Al-Mishri, analyzing the dialogue between Moses and Khidr to extract ethical and economic lessons on risk identification and mitigation. Findings: Khidr’s actions exemplify wisdom-based decision-making and long-term risk mitigation aligned with maqāṣid al-sharī‘ah, particularly hifẓ al-māl. Asset protection is presented as a moral and social responsibility, while takaful, ta‘āwun, and prudence in Islamic insurance reflect Qur’anic ethics of risk management. Research limitations/implications: The study is limited to textual analysis of one Qur’anic narrative and one tafsir perspective, which may constrain generalization. Practical implications: Findings provide an ethical foundation for sustainable risk management and development of Sharia-compliant insurance policies. Originality/value: The study bridges Qur’anic ethics, Islamic decision-making, and modern risk management, offering a novel conceptual framework for ethical asset protection. Paper type: Research paper Keywords: Asset Protection, Decision Ethics, Islamic Insurance, Quranic Interpretation, Risk Mitigation
ANALSISIS KONSEP AL- UJRAH ( UPAH ) DALAM EKONOMI ISLAM : PENDEKATAN TAFSIR TEMATIK Rafika Chudriana Putri; Azhari Akmal Tarigan; Yenni Samri Juliati
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8161

Abstract

Humans as social beings in essence need someone's help in working for their own interests. As a reward for someone's work, workers are given wages (ujrah) . The moral concept in determining worldly wages will result in the achievement of uhkrawih wages . However, currently the capitalist wage system is often applied in economic life rather than the Islamic economic system, so that the meaning of wages and the mechanics of wages and matters related to wages in Islamic economics are important to understand in depth. The research method used is literature. The results of the study through the thematic interpretation approach state that the word " ajru" can mean reward, " ajru" can mean reward and also “ ajru” can mean dowry (dowry). Giving Ujrah (wages) is not only meant between workers and employers who have a contract, but wages are also given by a husband to a wife who has been divorced if the wife is breastfeeding. In this case the position of the husband as the owner of capital ( musta'jir ), and the wife as a worker ( ajir ). Islam asks employers to pay workers a fair wage and provide workers with facilities.
Islam dan Ekonomi, Islamisasi Ilmu Ekonomi windari, windari; Ridwan, M; Tarigan, Azhari Akmal
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14234

Abstract

Islam and Economy: Towards the Islamization of Economic Knowledge offers a profound understanding of Islam's contributions to forming a more inclusive and sustainable economic paradigm. The discussion on Islam and economics, as well as the movement towards the Islamization of economic knowledge, is essential to understand in the context of realizing the vision of justice and social welfare mandated by Islamic teachings. This research method is descriptive and analytical, focusing on the collection of secondary data from various relevant literature sources. The analysis employs qualitative methods by interpreting and summarizing information from various sources to draw conclusions. The results indicate that the understanding and application of Islamic economic principles are becoming increasingly relevant. Islam, as a comprehensive religion and way of life, offers a unique and sustainable perspective on economics that encompasses not only material aspects but also moral and spiritual dimensions. The Islamization of economic knowledge is an effort to develop an economic system that reflects Islamic values. This involves not just the application of Sharia law but also building a foundation for an economy that is fair, ethical, and sustainable. The process of Islamization occurs gradually, beginning with an in-depth study of the discipline of knowledge that is the subject of Islamization. This involves a thorough analysis of the worldview, philosophy, and underlying values of the discipline. The next step is to eliminate elements that do not align with Islamic teachings and integrate those that do.
Strategi Pembiayaan UMKM Dalam Meningkatkan Usaha Nasabah Pada Masa Covid 19 (Studi Kasus Di PT. Bank Sumut Cabang Syariah Medan Katamaso) Tarigan, Azhari Akmal; Bagaskara, Andre
Scientific Journal of Students Islamic Economics and Business Vol. 3 No. 1 (2022): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v3i1.253

Abstract

This research is motivated by the development of micro, small and medium enterprises is a way that is considered to have a large role in the development of the national economy. The development of a business will help overcome the unemployment problem, given the large number of MSMEs in this country, so that it can increase job opportunities and opportunities to open businesses, which in turn encourages regional and rural development. In developing MSMEs, PT. Bank Sumut Syariah Medan Katamaso Branch as a financing institution that prioritizes services in supporting the improvement of the community's economy. One of the roles of sharia microfinance in the economic development of the community is by providing financing capital to customers to develop their businesses. This journal discusses the MSME Financing Strategy in Improving Customer Business During the Covid 19 Period (Case Study of PT. Bank Sumut Syariah Branch Medan Katamaso). In this study, the theory of the MSME financing strategy carried out by PT. Bank of North Sumatra Sharia Branch Medan Katamaso. in improving customer business during the Covid 19 period. This type of research is qualitative research, in descriptive form. The data sources used are primary and secondary data sources. Data was collected using interview, documentation, and observation techniques. The results of this study conclude that the MSME financing strategy in increasing customer business during the covid 19 period uses a murabahah contract in the MSME financing strategy, namely banks must manage mitigation appropriately and banks must focus on industries that have prospects to be financed. During the Covid 19 period, business development experienced a rapid decline so that it affected the decline in income for several customer businesses that had done MSME financing at PT. Bank Sumut Sharia Branch Medan Katamaso. In contrast to before the Covid 19 period, which is currently happening, customer business developments are still developing.
Co-Authors Ahmad Kholil Ahmad Riyansyah Parinduri Aida Ulviani Nst Aini, Ihdi Ainun Pratiwi Ali Hardana Amal Hayati, Amal Amalia Rahmah Harahap Amin, Khairil Amini, Salisa Andre Bagaskara Andri Soemitra Andri Soemitra Andri Soemitra Anggi Kartika Apriliani, Apriliani Arafah, Santi Arif Hutagalung, Syahrial Arifin Fauzi Lubis Armayani Hasibuan, Reni Ria Arsyaf Tampubolon Baehaqi Bagaskara, Andre Batubara, Zulfa Khairina Bella Cantika Benny Ridwan Benny Ridwan Chairul Imam, Chairul Chuzaimah Batubara, Chuzaimah Daniel Amsal Desmadi Saharuddin, Desmadi Dharma, Budi Dhian Rosalina, Dhian Eliska Enghariano, Desri Ari Evalina Franciska Hutasoit Evi Ayu Putri Fahnisa, Fahnisa Faisal Riza Fandy Rangkuty, Muhammad Hafif Fauzi Salim, Rahmad Fauziah Nasution Febri Yulika Firdha Aigha Suwito Fitria Intan Sri Dewi Frida Yanti Sirait Harahap, Fasthabiqul Ambiya Harahap, Nur Dalilah Harahap, Ulfi Yanti Hasan Matsum Ian Alfian Ikbal Hanafi Hasibuan Ilham Habibi, Ilham Imran, Buhari Indra Kurniawan Nasution Ismail Ismail Ismail Isnaini Isnaini Faraz Azis Ilmi Sitorus Isnaini Harahap Iswandi Syahputra Jaenal Aripin Jamila, Khaidar Rahmaini Jannah, Nurul Karmila Sari Kaspia, Yola Khairunnisa Please Kinanti Putri Bestari Kinanti Putri Bestari Kusmilawaty, Kusmilawaty Lestari, Dewi Lismaini Agustin Lubis, Fahmi Husaini M. Luthfi Arif Pratama M. Ridwan M. Ridwan M. Rizwan M. Yasir Nasution Mahyudin Mahyudin Malasyi, Sibral Mara Sutan Rambe Marliyah Marliyah, Marliyah Maryam Batubara Melia Frastuti Meutia Dewi, Meutia Minda Agustina Mohammad Reevany Bustami Muallif Masyhuri Muhammad Aidil Iffat Muhammad Ancha Sitorus MUHAMMAD FAHMI Muhammad Faisal Hamdani Muhammad Hakim Sitompul Muhammad Helmi Muhammad Ilham Muhammad Ramadhan Muhammad Ridwan Muhammad Syahbudi Muhammad Syukri Albani Nasution Muhammad Umar Maya Putra Muhammad Yafiz Muhammad Yafiz Muhammad Yafiz, Muhammad Mukhlis Mukhlis Mustapa  Khamal  Rokan Nabil Shawab al-Mujaddid Nabila Oktarina Sinulingga Nadia Nadia Naldo, Jufri Naldo Nasution, Syukri Albani Nofialdi Nofialdi Novita Herawati Novitri, Dian Nur'ain Harahap Nurhafiani Nurhafiani Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati Nurhayati, Nurhayati Nurhidayanti Nurhidayanti Nurhidayanti, Nurhidayanti Nuri Aslami Nurul Aflah Harahap Nurul Izzah Nurul Izzah Nurul Wafiq Azizah Nasution Oktavera Rizki Padillah, Fahmil Pera Handayani Prasetya, Muhammad Dimas Prasetyo, Iin Puspa Indah Sari Pohan Putra Apriadi Siregar Putri Mawaddah Rafi Faizin Rafika Chudriana Putri Rahmah, Nuzulliah Rahmi Syahreza Rahmi Syahriza, Rahmi Raja Putri Salsabila Ramadi, Bagus Rani Elviyanti Siregar Reza Febrian Riska Syahputri Nasution Rizkan Polem, T. Rizki Yuliana Rodhiatul Aslamah Meuraxa Rokan, Mustafa Khamal Rorizki, Fitri Roro Retno Wulan Sari Saidurrahman Saidurrahman Saifullah Saifullah Saparuddin Siregar Saragih, Murniati Arinda Sarah Fadhila Siregar Siagian, Salsabilla Siregar, Fatahuddin Aziz Siregar, Syafrudin Hanafi Sri Kartika Dewi Subambang Harsono Suci Ramadani Sitompul Sugianto Sugianto Sugianto Susi Herawati Sy Haura Munawwarah Syafira, Dinda Syafran Arrazy Syahreza, Rahmi Syahrial Arif Hutagalung Syahriza , Rahmi Syukri Albani Nasution Syukri Albani Nasution Tambunan, Khairina Tuahman Tuahman Venny Fraya Hartin Nst Wahyu Syarvina Watni Marpaung Windari Windari, Windari Wulan Dayu Yani, Misri Yenni Samri Juliati Yenni Samri Juliati Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI YUDI SISWADI Yusrizal Ziaulhaq Hidayat Zubeir . Zuhrina Aidha Zuhrinal M. Nawawi