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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 Management of Zakat and Waqf Journal (MAZAWA)) Mabny : Journal of Sharia Management and Business 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 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
Mugiyati
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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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.
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.
REALIZING SUSTAINABLE SHARIA BANKING GOVERNANCE: AN ANALYSIS OF THE IMPLEMENTATION OF GOOD CORPORATE GOVERNANCE AND SHARIAH GOVERNANCE IN INDONESIAN SHARIA BANKS Muhammad, Auwwalu Shuaibu; Khusnia, Nur; Mugiyati, Mugiyati
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 9 No 1 (2026): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v9i1.9867

Abstract

Good Islamic banking governance is the main foundation for maintaining stability and trust in the Islamic financial industry. Bank Syariah Indonesia (BSI), as the largest Islamic bank in Indonesia, has a strategic role in effectively implementing the principles of Good Corporate Governance (GCG) and Sharia Governance. This study aims to analyze the implementation of GCG and Sharia Governance at BSI based on the latest data from 2024. The method used is qualitative descriptive analysis with a literature review approach and secondary data from BSI's GCG implementation reports. The results of the study indicate that although BSI has received various recognitions related to good corporate governance practices, challenges in the aspects of Sharia Supervisory Board independence, financial transparency, and compliance with Sharia principles remain key concerns. Therefore, strengthening internal oversight systems, enhancing information transparency, and improving Sharia compliance are necessary to maintain stakeholder trust and promote sustainable growth in Sharia banking.
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
DESAIN TIERED NISBAH BERBASIS RISIKO UNTUK PENURUNAN COST OF FUNDS PADA BANK UMUM SYARIAH Kavil, Moch. Ainol; 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.v9i4.18651

Abstract

Dana Pihak Ketiga (DPK) sensitif terhadap fluktuasi imbal hasil yang belum mempertimbangkan karakteristik risiko dana secara proporsional, cost of fund (COF) cenderung meningkat dan berisiko mengganggu stabilitas likuiditas. Artikel ini bertujuan mengembangkan model konseptual Risk-Based Tiered Nisbah (RBTN), yaitu skema bagi hasil bertingkat yang menyesuaikan kompensasi imbal hasil dengan profil risiko nasabah dan jenis penempatan dana, guna menciptakan efisiensi finansial sekaligus menjaga prinsip keadilan syariah. Penelitian ini dilakukan dengan metode library research menggunakan pendekatan SALSA (Search, Appraisal, Synthesis, Analysis), berdasarkan literatur ilmiah, peraturan OJK, laporan keuangan BUS, serta studi relevan lainnya. Hasil sintesis literatur menunjukkan bahwa pendekatan RBTN mampu menekan COF secara signifikan melalui insentif nisbah yang diberikan kepada nasabah berisiko rendah dengan dana jangka panjang dan stabil. Strategi ini juga memperkuat manajemen risiko bank, mendorong loyalitas nasabah, serta mencerminkan nilai-nilai maqāṣid al-sharī‘ah, seperti keadilan (‘adl), kemaslahatan (maslahah), dan kesalingan (ta‘āwun). Studi kasus pada Bank Syariah Indonesia dan Bank Muamalat Indonesia menunjukkan bahwa penyesuaian nisbah berbasis risiko efektif dalam menurunkan rasio pembiayaan bermasalah dan memperbaiki struktur likuiditas. Dengan demikian, model RBTN tidak hanya menjadi solusi teknis bagi efisiensi dana, tetapi juga menjembatani inovasi manajerial dengan nilai-nilai etika Islam. Studi ini merekomendasikan penerapan model RBTN secara luas serta uji empiris lebih lanjut guna mengukur efektivitas implementasinya secara operasional.
Co-Authors Abdillah Qadry Azizi Abdillah Qadry Azizi Abdullah Jimly Hasanal Adhim Achmad Fageh Adriani, Siti Kamiliyah Ahmad Agus Hidayat Al Azroh, Devira Al Faiqoh, Rohmatul Laily Al-fiyah, Tutik Aldi Khusmufa Nur Iman Alif Mujiyana Eka Bella Arif Angga Bayu Saputro Aris Saiful Mizan As-Syafi'i, Royyan Atika, Meilani Fara Basyirah, Luthfiana Charits, Achmad Zuhri Al Danang Purbo Raharjo Dewanty, Megananda Aruna Dina, Dina Anisya R Elnisa Salicha Fadel, Achmad Ghulam Fahrul Ubed Fatkhurrozi, Tanto Fatmasari, Eka Putri Fausi, Ahmat Febriyanti, Inka Ayu Fitri Nur Latifah Habib Hambali, Habib Hasan Hasir Hikmah Muhaimin Hozinul Asror Ika Puspitasari Iman, Tsubutul Iskandar Ritonga Iskandar Ritonga Jaudat Iqbal Harris Johan Johan Juliasari, Diar Eka Junet Andi Setiawan Junet Andi Setiawan Kavil, Moch. Ainol Khoiriyah, Nur ‘Azizatul Khusnia, Nur Lilik Rahmawati Ma'ruf, Amar Marchelia Putri, Sindy Maulana, Safrizal Bangkit Mazidah, Nurul Moh Arifin Muchlisin, Muchammad Chafidz Muhammad Ade Salim Muhammad Raihan Syamil Muhammad Syahrul Hidayat Muhammad, Auwwalu Shuaibu Mursilah, Pembayun Musfiroh, Anita Mustofa, Mustofa Mutitul Choiroh, Ifa Nur Chotami Putra Muslim Nurhayati Nurita Sari Nurul Isnaini Nuur Rasyidah, Alvi Pangestu, Credo Prasetyoadi Pratiwi, Ari Dwi Purwanto, Andi Putri Rahayu, Alfina Putri, Arsyida Alfianti Sa’adah, Tsuroyya Putri Selvina Adhani, Adinda 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 Zidna, Rizka Rahmatllah