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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Jurnal Ternak Tropika Dinar: Jurnal Ekonomi dan Keuangan Islam Al-Mustashfa Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal Al-Daulah : Jurnal Hukum dan Perundangan Islam qolamuna : Jurnal studi islam al-Afkar, Journal For Islamic Studies Jurnal Istiqro' Al-Jinayah: Jurnal Hukum Pidana Islam Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah At-Tawassuth: Jurnal Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI Islamic Review : Jurnal Riset dan Kajian Keislaman Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam EKUITAS (Jurnal Ekonomi dan Keuangan) Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Ulumuna: Jurnal Studi Keislaman Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Akademika Airlangga International Journal of Islamic Economics and Finance Management of Zakat and Waqf Journal (MAZAWA)) Mabny : Journal of Sharia Management and Business Ekosiana : Jurnal Ekonomi Syariah Mukaddimah: Jurnal Studi Islam Maliyah : Jurnal Hukum Bisnis Islam Al Hikmah : Jurnal Studi Keislaman Banco: Jurnal Manajemen dan Perbankan Syariah Kawanua International Journal of Multicultural Studies ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Jurnal Ekonomi, Manajemen Bisnis, Syariah dan Teknologi SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Inspirasi: Jurnal Pengabdian Masyarakat Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Islamic Micro Finance Journal International Journal of Economics, Accounting, and Management Falahiya Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis International Journal of Economics and Management Research Jurnal Manajemen, Bisnis dan Kewirausahaan The Indonesian Journal of Islamic Economics Research MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah IJEMA Journal of Integrative Sustainability and Ethics
Mugiyati
UIN Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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SYSTEMATIC LITERATURE REVIEW (SLR): FENOMENA IMPULSIVE BUYING DALAM LAYANAN BUY NOW PAY LATER (BNPL) SHOPEE DARI PERSPEKTIF EKONOMI SYARIAH Selvina Adhani, Adinda; Nurhayati; Mugiyati
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 4 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i4.18289

Abstract

The rapid expansion of e-commerce and digital financial services has transformed consumer behavior, particularly among Generation Z. One notable innovation is the Buy Now Pay Later (BNPL) system, known on the Shopee platform as Shopee PayLater. While this feature offers flexibility and instant access to goods, it also increases impulsive buying behavior and overconsumption, raising concerns from the perspective of Islamic economics. This study aims to analyze the phenomenon of impulsive buying through Shopee PayLater using the Systematic Literature Review (SLR) method. Fifteen academic articles published within the last five years were reviewed to explore the relationship between BNPL services, consumer behavior, and Islamic economic values. The findings reveal that BNPL significantly contributes to impulsive purchases and potential financial instability among young consumers. From the perspective of Maqashid Syariah, such behavior is associated with israf (extravagance) and gharar (uncertainty), which contradict the principle of protecting wealth (hifz al-mal). The study concludes that strengthening Islamic financial literacy is essential to prevent excessive consumption in the digital economy and to ensure that financial practices remain aligned with ethical and sustainable Islamic principles.
Meta-Analisis Manajemen Bank Wakaf: Strategi dalam Menjawab Isu-Isu Kontemporer Abdullah Jimly Hasanal Adhim; Mugiyati
Mukaddimah: Jurnal Studi Islam Vol. 10 No. 2 (2025)
Publisher : Kopertais Wilayah III Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/mjsi.v10i2.4556

Abstract

Bank wakaf merupakan salah satu inovasi dalam pengelolaan wakaf produktif yang ditujukan untuk memperkuat peran sosial-ekonomi umat Islam. Namun, dalam praktiknya, pengelolaan bank wakaf menghadapi berbagai tantangan, antara lain rendahnya literasi masyarakat, keterbatasan regulasi, isu transparansi dan akuntabilitas, serta tuntutan digitalisasi di era ekonomi modern. Artikel ini menggunakan pendekatan meta-analisis untuk mengkaji strategi manajemen bank wakaf dalam menjawab isu-isu kontemporer. Sumbersumber literatur yang dianalisis meliputi artikel jurnal, buku, serta dokumen kebijakan terkait manajemen wakaf dalam rentang sepuluh tahun terakhir. Hasil penelitian menunjukkan bahwa strategi yang paling efektif meliputi penerapan prinsip good governance, pemanfaatan teknologi digital, integrasi dengan sistem keuangan syariah modern, serta peningkatan literasi wakaf di masyarakat. Jadi, manajemen bank wakaf tidak hanya berfungsi sebagai pengelola aset keagamaan, tetapi juga sebagai instrumen strategis dalam pembangunan berkelanjutan umat Islam.
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.
Sharia Compliance of Crowdfunding Platforms for MSME Financing in Indonesia Iman, Tsubutul; Mustofa, Mustofa; Tantriana, Deasy; Mugiyati, Mugiyati
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 2 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i2.20667

Abstract

The rapid development of financial technology has introduced sharia crowdfunding as an alternative financing instrument for Micro, Small, and Medium Enterprises (MSMEs) that face limited access to conventional banking services. This study aims to examine the extent to which sharia crowdfunding platforms in Indonesia comply with Islamic economic principles, particularly in relation to contract structures, operational mechanisms, and alignment with maqāṣid al-Sharī‘ah. This research employs a qualitative normative–empirical approach using document analysis of DSN–MUI fatwas, regulatory frameworks issued by the Financial Services Authority (OJK), and operational disclosures of licensed sharia crowdfunding platforms. The findings indicate that most platforms have adopted sharia-compliant contracts such as mudhārabah, musyārakah, and qard al-ḥasan, which structurally eliminate elements of ribā, gharar, and maysir. From a maqāṣid perspective, sharia crowdfunding contributes to the protection of wealth (ḥifẓ al-māl), promotes economic justice, and enhances financial inclusion for MSMEs. However, substantive challenges remain, particularly regarding limited sharia financial literacy among MSME actors, uneven implementation of transparency standards, and potential moral hazard risks in fund utilization. This study contributes to Islamic economic scholarship by positioning sharia crowdfunding not merely as a digital financial innovation, but as an instrument of MSME empowerment that must be evaluated through both regulatory compliance and maqāṣid-oriented ethical outcomes. The findings provide policy-relevant insights for regulators, platform providers, and Islamic finance stakeholders in strengthening a sustainable and justice-based sharia crowdfunding ecosystem.Keywords: Sharia crowdfunding; MSME financing; Islamic economic law; maqāṣid al-Sharī‘ah; sharia fintech
Persaingan Tidak Seimbang Akibat Inovasi Digital di Pasar Tradisional: Analisis Mekanisme Pasar Menurut Abu Yusuf Abdillah Qadry Azizi; Mugiyati Mugiyati
Jurnal Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 3 (2025): Desember : Jurnal Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jumbiku.v5i3.6117

Abstract

This study aims to analyze market mechanisms from the perspective of Abu Yusuf's thinking and their relevance to the phenomenon of digital innovation at Pasar Kembang Surabaya. The observed phenomenon is the emergence of a bread seller who utilizes social media, specifically TikTok live, to sell his products directly to consumers, which creates market inequality and decreases income for traders. This study uses a qualitative field approach through interviews with traders, traders, and market managers, as well as a literature review of Abu Yusuf's thinking regarding market mechanisms, prices, and distribution justice. The results show that digital innovation disrupts the existing traditional market structure. In Abu Yusuf's view, market mechanisms must operate based on open market principles, with the state overseeing to prevent inequality that disproportionately harms certain parties. Furthermore, according to Abu Yusuf, this phenomenon does not constitute a situation or event that harms others because it is a sales innovation and lacks many regulations. This phenomenon demonstrates the need for inclusive technological adaptation to ensure that small traders are not left behind and to create healthy competition.
Relevansi Pemikiran Ekonomi Al-Ghazali tentang Konsep Uang Penggunaan E-Money sebagai Alat Transaksi Di Era Digital Juliasari, Diar Eka; Mugiyati
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 1 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i1.430

Abstract

This study aims to analyze the relevance of Al-Ghazali's Economic Thought regarding the concept of money in the use of E-money as a transaction tool in the digital era, with a focus on ethical principles and the concept of money in Islamic economics. The study uses a qualitative method based on a literature review approach, as well as literature on Al-Ghazali, especially his works and thoughts and related to e-money and fintech developments. This data was collected through document studies and comparative analysis to compare Al-Ghazali's concept of money with the characteristics of e-money. The results show that Al-Ghazali views money as a medium of exchange and a unit of account that must be free from usury and speculation, which is in line with the function of e-money as an efficient digital transaction medium. However, challenges such as the potential for digital manipulation and non-compliance with sharia principles can reduce its relevance if not properly regulated. The analysis shows that Al-Ghazali's thoughts can serve as an ethical guide for the development of e-money regulations, by emphasizing transparency, fairness, and prevention of economic exploitation. This research contributes to strengthening the Islamic Economic framework in supporting fintech innovation that is in accordance with sharia values.
OPTIMALISASI ZAKAT MELALUI STRATEGI DISTRIBUSI DALAM MEWUJUDKAN KESEJAHTERAAN MASYARAKAT YANG TEPAT SASARAN Hasan; Mugiyati
Qolamuna : Jurnal Studi Islam Vol. 11 No. 02 (2026): Februari 2026
Publisher : STIS MIFTAHUL ULUM LUMAJANG PRESS (STISMU PRESS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55120/qolamuna.v11i02.2595

Abstract

Zakat is a key pillar in Islam with a strategic function as an instrument of wealth redistribution to reduce poverty and improve community welfare. Although the potential of zakat in Indonesia is estimated to reach hundreds of trillions of rupiah, the realization of community welfare through consumptive and productive approaches. The research method used is literature review, year, the realization of its management is still not optimal. This study aims to analyze effective zakat distribution strategies in the media by collecting data from reliable literature, including journals, books, and official reports. The result of the study shows that productive-based zakat distribution has more sustainable impact in empowering mustahik and alleviating poverty. In addition, collaboration between zakat institutions, government, private sector, and society plays an important role in optimizing zakat management. With the right approach, zakat can be a real solution in creating social justice and equitable welfare. Keywords : Zakat, Distribution, Welfare, Empowerment
DIGITAL PRODUCT INNOVATION AND FINTECH STRATEGY IN ISLAMIC BANKING: EVIDENCE FOR SUSTAINABLE SERVICE TRANSFORMATION Ahmad Azim Aufaq; Mugiyati Mugiyati
Jurnal Ekonomi Manajemen Bisnis Syariah dan Teknologi Vol. 5 No. 1 (2026): Jurnal Ekonomi, Manajemen Bisnis, Syariah dan Teknologi
Publisher : Yayasan Azam Insan Cendikia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62833/embistek.v5i1.258

Abstract

Digital transformation is reshaping Islamic banking, while fintech intensifies competition in financial services. This study aims to analyze the role of fintech strategy in driving digital product innovation and sustainable service transformation in Islamic banking. The sample consists of selected scholarly articles, review papers, and relevant academic publications on Islamic banking, fintech strategy, digital product innovation, and service transformation. This study employs a descriptive qualitative approach using secondary data and qualitative content analysis. The findings indicate that fintech strategy serves as the institutional foundation for digital transformation, while digital product innovation acts as the strategic mechanism that translates digital orientation into customer-facing financial services. The study also finds that sustainable service transformation depends not only on technological readiness, but also on customer acceptance, trust, perceived usefulness, and service quality. In conclusion, sustainable transformation in Islamic banking can be achieved when fintech strategy, digital product innovation, and service transformation are managed as an integrated system.
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
Co-Authors Abdillah Qadry Azizi Abdillah Qadry Azizi Abdullah Jimly Hasanal Adhim Achmad Fageh Adinda Selvina Ahmad Agus Hidayat Ahmad Azim Aufaq Al Azroh, Devira Al-fiyah, Tutik Aldi Khusmufa Nur Iman Alif Mujiyana Eka Bella Amran Suradi Andi Purwanto Arif Angga Bayu Saputro Aris Saiful Mizan Atika, Meilani Fara Auwwalu Shuaibu Muhammad Basyirah, Luthfiana Charits, Achmad Zuhri Al Credo Prasetyoadi Pangestu Danang Purbo Raharjo Deasy Tantriana Dewanty, Megananda Aruna Dina, Dina Anisya R Elnisa Salicha Fadel, Achmad Ghulam Fahath Haikal Aziz Fahrul Ubed Fathmah Hanum Fatkhurrozi, Tanto Fatmasari, Eka Putri Fausi, Ahmat Febriyanti, Inka Ayu Fitri Nur Latifah Habib Hambali, Habib Hasan Hasir Hikmah Muhaimin Hozinul Asror Ika Puspita Sari Iman, Tsubutul Iskandar Ritonga Jaudat Iqbal Harris Johan Johan Juliasari, Diar Eka Junet Andi Setiawan Junet Andi Setiawan Khoiriyah, Nur ‘Azizatul Lely Maharani Lilik Rahmawati Linggha Sennakyz Linggha Sennakyz Ma'ruf, Amar Marchelia Putri, Sindy Maulana, Safrizal Bangkit Mazidah, Nurul Moch. Ainol Kavil Moh Arifin Muchlisin, Muchammad Chafidz Muhamad Ahsan Muhammad Ade Salim Muhammad Al Berto Muhammad Daffa Al-farisy Muhammad Raihan Syamil Muhammad Syahrul Hidayat Mursilah, Pembayun Musfiroh, Anita Mustofa Mustofa Mustofa, Mustofa Mutitul Choiroh, Ifa Nisa', Rifqun Nur Chotami Putra Muslim Nur Fadillah Nur Khusnia Nurhayati Nurita Sari Nurul Isnaini Nurul Suhada Ismail Nuur Rasyidah, Alvi Ony Thoyib Hadiwijaya Pratiwi, Ari Dwi Purwanto, Andi Putri Rahayu, Alfina Putri, Arsyida Alfianti Rohmatul Laily Al Faiqoh Royyan As-Syafi'i Saiful Bakhri Sa’adah, Tsuroyya Putri Selvina Adhani, Adinda Sirajul Arifin Siska Arie Novita Siti Kamiliyah Adriani Sri Wigati Suyuthi, Lailatun Nur Syamsul Arifin Tantriana, Deasy Trinil Susilawati Tsubutul Iman Ubed, Fahrul Ulil Absor Faiq Abdillah Umi Qurrotul Aini Walid In'am Ahmad Walid In'am Ahmad Zidna, Rizka Rahmatllah