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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Jurnal Ilmiah Ekonomi Islam Al-Jinayah: Jurnal Hukum Pidana Islam EKUITAS (Jurnal Ekonomi dan Keuangan) Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Ulumuna: Jurnal Studi Keislaman Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Maliyah : Jurnal Hukum Bisnis Islam Al Hikmah : Jurnal Studi Keislaman Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Ekonomics, Finance, and Management Studies Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Mugiyati Mugiyati
Fakultas Syariah IAIN Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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MEMBONGKAR POLA PEMIKIRAN HUKUM FATWA DEWAN SYARI’AH NASIONAL (DSN) TENTANG PRODUK KEUANGAN SYARI’AH DAN PENYERAPANNYA DALAM HUKUM NASIONAL Mugiyati .
Maliyah : Jurnal Hukum Bisnis Islam Vol. 4 No. 2 (2014): Desember 2014
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (169.984 KB) | DOI: 10.15642/maliyah.2014.4.2.%p

Abstract

DSN-MUI is the only board that has the authority to issue a fatwa on the types of activities, products and financial services as well as overseeing the implementation of Shariah fatwa meant by Shariah financial institutions in Indonesia. As a religious fatwa should be the product of its legal reasoning bertemali kemasyarakatan.Oleh closely with social problems because it must be based DSN fatwa result of interaction between legal thinkers with the environment, in which the relevance of religious belief for the material world is often overlooked. In fact the National Fatwa Council of Sharia Shariah financial products follow three patterns of legal thought as a reference of the pattern of baya>ni> (semantic study), patterns qiya>si> (ta'li>li> or determination 'illat or legal factors), and the pattern istis}lah}i> (considering the benefit based nash general) that three is a normative textual approach. Positifisasi efforts in response to the needs of the Muslims will be the implementation of Islamic law in the Indonesian economy missed by the Supreme Court of the Republic of Indonesia Regulation Number 02 of 2008 on Economic Shariah Law Compilation (KHES), which partially absorb the contents of fatwas National Sharia Board good in almost the same formula or refer in part.
Peluang dan Tantangan Bank Syariah di Indonesia Dalam Mempertahankan Eksistensi di Era Digital Junet Andi Setiawan; Mugiyati Mugiyati
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 6 No 1 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i1.2396

Abstract

The purpose of this research is to describe the opportunities and challenges of Islamic banks in maintaining their existence in the digital era. The research method used is literature study, by compiling relevant data which is then analyzed using a descriptive approach. The results of the study show that the digital era has provided very promising opportunities for the advancement of the world of Islamic banking, this is because the majority of Indonesian people are Muslim and are supported by many internet users in Indonesia, then the digital era also makes it easier for Islamic banking to promote its products. In addition, Islamic banking also faces the challenge of having to present qualified and competent human resources, guaranteeing protection for its customers, and the most important challenge in facing this digital era is building Cyber ​​Security that is not easy to hack, skiming and safe from malware attacks. Then, in order to maintain its existence in the digital era, Islamic banking has presented a strategy by innovating digital finance by providing good service to its customers, through digital banking such as phone banking, internet banking, SMS banking, and mobile banking. Keywords: Islamic bank, Opportunities, Challenges.
Comparison of Sharia Governance Between Bank Muamalat and Bank BTN Syariah Nurita Sari; Mugiyati Mugiyati
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 10, No 1 (2024): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v10i1.15133

Abstract

Every business has a management strategy to maintain and develop its business, including Sharia financial institutions. The large potential of the Islamic finance industry has a positive impact on national economic growth, therefore it is important to maintain this stability. Good governance is one of the things that must be paid attention to, as well as the governance of Sharia financial institutions must comply with Sharia principles, to maintain the trust of stakeholders in the Sharia banking and finance industry. Moreover, there are rumors that two large sharia financial institutions will merge . This research aims to compare Sharia governance between Bank Muamalat and BTN Syariah, which have significant differences in background. This research uses qualitative methods with a library study approach, and analyzes and selects relevant library sources. Research result comparison of two Sharia banks that are planned to merge into a larger Sharia bank , although both banks follow Sharia governance principles, they both have different approaches due to different focuses and backgrounds. Bank Muamalat, as a pure sharia bank, has a more comprehensive sharia implementation and structure. Meanwhile, BTN Syariah as a sharia business unit of a conventional bank, focuses more on implementing sharia principles in housing products. Both banks demonstrate a strong commitment to Sharia principles and comply with supervision, the Sharia Supervisory Board (DPS), and applicable laws.
DETERMINANTS OF LOCAL TAXES: EVIDENCE FROM TULUNGAGUNG Nurul Mazidah; Muhammad Syahrul Hidayat; Ika Puspitasari; Mugiyati
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 9 No 2 (2025): June
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2025.v9.i2.7164

Abstract

Improvements in public welfare, quality of life, and access to services such as education, healthcare, infrastructure, transparency, accountability, and community participation in local policy formulation measure the success of decentralization in Indonesia. This study aims to analyze the factors influencing local tax revenues as an indicator of fiscal decentralization success in Tulungagung Regency. Applying the Error Correction Model (ECM), this research examines both the long-term and short-term relationships between population growth, income levels, and socio-economic development on local tax revenues. As a result, this study indicates that all variables have a significant impact on local tax revenues. The population growth coefficient of 0,034416 suggests that a 1% increase in population contributes to higher local tax revenues. The income level coefficient of 0,092312 signifies that rising income levels enhance tax capacity. Meanwhile, socio-economic development has the most substantial effect, with a coefficient of 0,231872. Reflecting the improvements in public welfare directly contributes to increased local tax revenues. Accordingly, this study reveals that the trend of local tax revenues in Tulungagung has increased dramatically from 2011 to 2023, demonstrating the effectiveness of regional fiscal policies. This research contributes to supporting local budgetary policy based on strengthening socio-economic factors as a strategy to increase local tax revenue.
Kongsinyasi Dengan Akad Mudharabah Perspektif Adiwaraman Azwar Karim Dan Muhammad Syafi’i Antonio Fahrul Ubed; Mugiyati Mugiyati
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 1 (2025): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i1.6008

Abstract

Consignment or selling is a form of sales that is currently carried out by many MSMEs in Indonesia and carries minimal risk. In Islamic law, the practice of consignment sales is a form of sales using a mudharabah contract. Given this phenomenon, the aim of this article is to understand and analyze consignment sales with mudharabah contracts from the perspective of Adiwarman Azwar Karim and Muhammad Syafi'i Antonio. The data analysis method in this research uses literature reviews from several journals and books related to the thoughts of Adiwarman Azwar Karim and Muhammad Syafi'i Antonio regarding mudhorobah contracts with the principle of profit sharing which is then linked to the practice of consignment sales. The results of this research show that consignment is an application of contemporary economics with mudhorobah agreements and profit sharing in accordance with Islamic law.
Systematic Literature Review (SLR) Makna Halalan Thayyiban Bagi Konsumen Muslim pada Produk Makanan di Kabupaten Gresik: Studi Fenomenologi di Toko UD Adji Jaya Makmur Walid In'am Ahmad; Iskandar Ritonga; Mugiyati; Lilik Rahmawati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.7976

Abstract

Halalan thayyiban is an important legitimacy that must be owned by every business, especially in food products or products such as beauty and so on as a benchmark for safety and to increase consumer awareness of the importance of using products that already have halal certification and food labeling logos greatly affect the quality of the product. This study aims to determine how the public's perception, especially for Muslim consumers, is in understanding or interpreting food products that are halal thayyiban and how to solve problems related to challenges and opportunities faced by Indonesia in halal certification of food products that are in accordance with applicable BPJPH or LPH regulations. This study uses the SLR paradigm approach or systematic literature review obtained from journals that have been published from 2015 to 2024 after being traced, the results obtained show that there is still a lack of public understanding of the importance of halal certification for a food product because many people still think that food products that do not contain pork, alcohol and the like are included in products that are halal for consumption, but halal standardization is not only seen in terms of product ingredients but also from the production process of using clean kitchen utensils, kitchen sanitation or clean production areas and the like which are very important aspects in assessing the halal standardization of food products that are in accordance with applicable procedures and currently the demand for foreign products, especially halal-certified food or beauty products, is in great demand abroad because it is considered that the goods to be consumed have standardization and go through a very strict process so that they are considered safe for direct consumption can increase the export value of Indonesia in advancing MSME products, especially the halal industry which is currently increasing
Green Leasing Syariah: Inovasi Pembiayaan Berkelanjutan dalam Menghadapi Tantangan Ekonomi Global Royyan As-Syafi'i; Mugiyati Mugiyati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i1.10257

Abstract

This study aims to analyze and formulate the concept of Sharia Green Leasing as a form of sustainable financing innovation that integrates the principles of the ijarah contract with the Environmental, Social, and Governance (ESG) framework. This study uses a qualitative approach with library research methods, as well as normative and conceptual analysis to examine the integration of sustainable finance theory, maqasid al-shari'ah, and Islamic financial innovation. Data were analyzed descriptively and exploratively and obtained from primary and secondary literature published between 2019 and 2025. The results indicate that Sharia Green Leasing has the potential to become a strategic financing instrument in supporting the green economy transition by financing environmentally friendly assets such as electric vehicles, energy-efficient engines, and low-carbon technologies. This study recommends strengthening regulations and developing operational guidelines by the Financial Services Authority (OJK) and the National Sharia Council-Indonesian Ulema Council (DSN-MUI), including the establishment of an independent verification mechanism to prevent greenwashing practices.
Analisis Risiko Modal Ventura Syariah di Indonesia Umi Qurrotul Aini; Mugiyati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.2837

Abstract

Venture capital as an alternative financing outside credit banking. Investments made in the form of shares or convertible bonds in the long term, and aimed at business partner companies (PPU), venture capital is a collection of capital originating from investors to be managed professionally by a management company and investment in PPU. Funds invested in venture capital are investment funds that have high risk. This research uses a library or literary study approach. Data collection techniques are carried out through reading and taking notes, as well as managing previous research materials. The aim of this research is to determine the potential risks that will occur and the impact of risks on venture capital. Research results show that venture capital often contributes to helping entrepreneurs develop. So it cannot be denied that venture capital is very prone to losses for both parties.
Pemikiran Ekonomi Kontemporer Madzhab Alternatif Tawaran dari Timur Kuran Aris Saiful Mizan; Arif Angga Bayu Saputro; Mugiyati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.8496

Abstract

The understanding of the alternative economic school proposed by Timur Kuran is a study that encompasses various approaches and models different from the conventional economic system. The focus of the alternative economic school is to create a more just, sustainable, and human and environmentally oriented system. This research aims to explore the contemporary economic thoughts of the alternative school of Timur Kuran. The method used in this research is literature review with descriptive analysis. Timur Kuran asserts the superiority of Islamic economic theory and highlights economic practices aligned with Islamic principles as a response to the imbalances and injustices within the capitalist system. The goal is to enhance the economy and strengthen Islamic identity amid cultural globalization. Moreover, he rejects the concept of interest based on the fundamental principle of Islamic economics, the prohibition of usury, deeming it exploitative and unjust in wealth distribution. Kuran also criticizes the zakat redistribution system, questioning its effectiveness and pointing out inadequacies in fund management and allocation, leading to limited impact in addressing poverty.
Co-Authors Aldi Khusmufa Nur Iman Arif Angga Bayu Saputro Aris Saiful Mizan Fahrul Ubed Ika Puspitasari Iskandar Ritonga Johan Johan Junet Andi Setiawan Junet Andi Setiawan Lilik Rahmawati Mazidah, Nurul Moh Arifin Muhammad Syahrul Hidayat Musfiroh, Anita Nurita Sari Royyan As-Syafi'i Syamsul Arifin Umi Qurrotul Aini Walid In'am Ahmad