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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 Journal of Ekonomics, Finance, and Management Studies 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 IJEMA
Mugiyati
Universitas Islam Negeri 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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The ABU HAMID'S APPLICATION OF ISLAMIC ECONOMICS AL-GHAZALI ON THE ROLE OF MONEY IN THE CONTEXT OF THE MURSALAH PROBLEM: ABU HAMID'S APPLICATION OF ISLAMIC ECONOMICS AL-GHAZALI ON THE ROLE OF MONEY IN THE CONTEXT OF THE MURSALAH PROBLEM Dina, Dina Anisya R; Mugiyati, Mugiyati
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2710

Abstract

Abstract: Islamic economics, as an integral part of Islamic teachings, has a firm view on the issue of wealth in general, including money in particular. Within this framework, Islamic economics has a unique perspective on money, explaining the types and functions of money, as well as setting parameters that guide Muslims on permissible and impermissible actions in financial matters. The uniqueness of Imam Al Ghazali's views on economic aspects, both in general and specifically related to money, is an interesting thing to explore and investigate. This research is a library research with a descriptive approach. That is by describing or explaining Abu Hamid Al-Ghazali's thoughts about money in the perspective of maslahah mursalah. The relevance of Imam al-Ghazali's thoughts on Islamic economics in the book Ihya' 'Ulum al-Din to contemporary (conventional) economics has been able to provide a good solution. Based on Islamic law by implementing the concept of maslahah mursalah, including in managing finances properly, producing goods and services according to community needs and conducting muamalah activities in accordance with existing ethics. Islamic economics according to Imam al-Ghazali in its achievement must prioritize the benefit of society. Economic goals should not only be concerned with one side of life alone, but must be balanced between the world and the hereafter
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.
Strengthening Sharia Bank Operational Management Through Internalization of Sharia Compliance Hozinul Asror; Mugiyati
International Journal of Economics Accounting and Management Vol. 2 No. 4 (2025): IJEAM - November 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60076/ijeam.v2i4.1664

Abstract

This study aims to analyse the strengthening of Islamic bank operational management through the internalisation of Shariah compliance as a strategic instrument, not merely as a normative obligation. The method used is a literature review of various previous studies, regulations, and implementation practices in Indonesian Islamic banking. The results of the analysis show that the internalisation of Shariah compliance can be realised through five main strategies, namely strengthening the competence and independence of the Shariah Supervisory Board (DPS), utilising service digitalisation, increasing Shariah financial literacy, improving regulations related to DPS opinions, and integrating digitalisation with aspects of customer security and trust. These findings confirm that Shariah compliance not only serves to ensure the conformity of products and transactions with Islamic law, but also strengthens governance, operational effectiveness, and the competitiveness of the Islamic banking industry. Thus, this study concludes that the internalisation of Shariah compliance is key to maintaining the integrity of Shariah principles while promoting sustainability and public trust in Islamic banks in Indonesia.
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.
Fair Pricing in Multicultural Societies: Ibn Taymiyah's Islamic Economic Principles for Inclusive Commerce Purwanto, Andi; Mugiyati, Mugiyati
Kawanua International Journal of Multicultural Studies Vol 6 No 1 (2025)
Publisher : State Islamic Institute of Manado (IAIN) Manado, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kijms.v6i1.1233

Abstract

Islam was revealed by Allah SWT to regulate all forms of human behavior in relation to other humans to meet the needs of their lives in the world. This includes principles that govern economic turnover. In this case, one of the Islamic intellectuals, Ibn Taymiyah, has an interest in conceptualizing the economy through the Islamic religious approach. As for this study, using descriptive qualitative research, the researcher directly researched the books of Ibn Taimiyah and several other supporting literature. In this study, the researcher found that there are several concepts about Islamic economics, namely fair prices, and price regulations that have several clear divisions in accordance with the concept of Islamic economics according to Ibn Taymiyah
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.
Co-Authors Abdillah Qadry Azizi Abdillah Qadry Azizi Abdullah Jimly Hasanal Adhim Achmad Fageh Adinda Selvina Adriani, Siti Kamiliyah Ahmad Agus Hidayat Ahmad Azim Aufaq Al Azroh, Devira Al Berto, Muhammad Al-farisy, Muhammad Daffa Al-fiyah, Tutik Aldi Khusmufa Nur Iman Alif Mujiyana Eka Bella 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 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 Moh Arifin Muchlisin, Muchammad Chafidz Muhamad Ahsan Muhammad Ade Salim Muhammad Raihan Syamil Muhammad Syahrul Hidayat Mursilah, Pembayun Musfiroh, Anita Mustofa, Mustofa Mutitul Choiroh, Ifa Nur Chotami Putra Muslim 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 Sri Wigati Suyuthi, Lailatun Nur Syamsul Arifin Tantriana, Deasy Trinil Susilawati Ubed, Fahrul Ulil Absor Faiq Abdillah Umi Qurrotul Aini Walid In'am Ahmad Walid In'am Ahmad Zidna, Rizka Rahmatllah