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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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Peran Manajemen Pegadaian Syariah dalam Meningkatkan Inklusi Keuangan Masyarakat Rohmatul Laily Al Faiqoh; Mugiyati Mugiyati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 12 (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.v7i12.10209

Abstract

This study aims to analyze the role of Islamic Pawnshop Management (Pegadaian Syariah) in enhancing financial inclusion among society, particularly for the lower-middle class and micro, small, and medium enterprises (MSMEs). Pegadaian Syariah provides Sharia-compliant financing services through various products such as gold pawning (rahn emas), gold savings, and micro-financing. This research employs a descriptive qualitative approach with data collection techniques that include literature studies, documentation, interviews, and observations. The data were analyzed systematically through the stages of reduction, presentation, and conclusion drawing to understand the strategies and impacts of Islamic Pawnshop Management on financial inclusion. The findings indicate that the management of Pegadaian Syariah, which applies the principles of good corporate governance and the values of maqashid shariah, has successfully improved public financial access in a fair, transparent, and sustainable manner. Digital innovation has proven to expand service reach to rural areas and enhance efficiency and customer satisfaction. Therefore, the existence of Pegadaian Syariah not only functions as a financing institution but also serves as a strategic instrument in supporting financial inclusion goals aligned with the SDGs, particularly in poverty alleviation and reducing social inequality.
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 Multidimensional Peran Bank Syariah Dalam Meningkatkan Daya Saing Industri Kecil Menengah Sepatu Sandal Di Mojokerto Lely Maharani; Mugiyati Mugiyati; Ony Thoyib Hadi Wijaya
Ekosiana Jurnal Ekonomi Syari ah Vol. 13 No. 2 (2026): Ekosiana : Jurnal Ekonomi Syariah (IN PROGRESS)
Publisher : Program Studi Ekonomi Syariah, STAI AN-NAJAH INDONESIA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47077/ekosiana.v13i2.684

Abstract

This study aims to analyze the contribution of Bank Syariah Indonesia (BSI) to improving competitiveness of the small and medium scale footwear industries in Sooko District, Mojokerto through a multidimensional approach encompassing financial, social, and spiritual aspects. A qualitative descriptive approach was employed, using in-depth interviews, participatory observation, and documentation. Informants included five footwear producers and one representative from BSI Mojokerto. Data analysis used Miles and Huberman's interactive model with source and method triangulation for data validity. The results reveal that BSI's contribution is holistic, not limited to financing through sharia contracts such as murābaḥah and muḍārabah, but also includes capacity building through financial management training, sustainable business mentoring, and sharia financial literacy improving competitiveness. BSI acts as a strategic partner to enhance managerial capacity, expand market access, and promote business sustainability among small-scale entrepreneurs. Findings show an average production capacity increase of 20-30%, and adoption of digital marketing technology among BSI-partnered businesses. Nevertheless, challenges remain, particularly in sharia literacy, digital access limitations, and financing procedure complexity. The study concludes that Islamic banks play a crucial role in strengthening an equitable and sustainable sharia economic ecosystem at the grassroots level through the implementation of maqāṣid al-syarī'ah values, particularly in preserving wealth (ḥifẓ al-māl) and life (ḥifẓ al-nafs).   Kata Kunci: Islamic Bank, Islamic Financing, Small and Medium Industries, Economic Empowerment
OPTIMIZATION OF ZIS FUND COLLECTION AT LAZISMU GRESIK REGENCY, INDONESIA, TO IMPROVE THE NATIONAL ZAKAT INDEX Walid In'am Ahmad; Sirajul Arifin; Mugiyati
Airlangga International Journal of Islamic Economics and Finance Vol. 9 No. 01 (2026): January-June 2026
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/aijief.v9i01.74363

Abstract

This study aims to analyze the optimization strategy of ZIS fund collection at LAZISMU in Gresik Regency and how it impacts the increase in the national zakat index. The research method uses a qualitative approach based on literature review studies. This study aims to understand individual and group behavior relate to ZIS fund collection within natural institutional setting through a literature review approach. The originality of this study lies in its specific focus on local zakat institutions, particularly LAZISMU Gresik, which has rarely been the subject of in-depth academic study in relation to its contribution to the National Zakat Index. The finding reveals that optimizing ZIS fund collection requires strategic planning, community-based innovation such as the KOMDIG LAZ model, and local engagement to significantly enhance zakat collection outcomes. However, the study is limited by its reliance on secondary data and literature review, which may not fully capture the dynamic practices and challenges in the field. Practically, the findings provide useful insights for zakat institutions, especially local LAZ, to develop effective and scalable fundraising strategies that can contribute more directly to national zakat development indicators.
Analisis Pengaruh FDR dan BOPO terhadap Kinerja Keuangan (ROA dan ROE) pada Bank Syariah Indonesia Fathmah Hanum; Mugiyati Mugiyati; Muhamad Ahsan; Saiful Bakhri
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/s3dqnp35

Abstract

The establishment of Bank Syariah Indonesia (BSI) through the merger of three state-owned Islamic banks marked a significant transformation in Indonesia’s Islamic banking industry, creating new challenges and opportunities related to profitability, financing expansion, and operational efficiency. Financial performance during the post-merger period can be evaluated through profitability indicators, particularly Return on Assets (ROA) and Return on Equity (ROE), which reflect management effectiveness in utilizing assets and shareholders’ equity. Quarterly financial statement data from 2021–2025 were analyzed using descriptive statistics, Pearson correlation, and multiple linear regression to examine the relationship between Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO), and financial performance. The findings indicate that FDR is positively associated with profitability, suggesting that increased financing distribution contributes to improved financial returns. Conversely, BOPO demonstrates a strong negative relationship with both ROA and ROE, indicating that operational efficiency plays a decisive role in enhancing profitability. The regression results confirm that FDR and BOPO jointly explain a substantial proportion of variations in financial performance, with BOPO emerging as the more dominant determinant. These findings highlight that the success of BSI’s post-merger transformation is driven not only by financing growth but also by the ability to maintain operational efficiency. The study contributes empirical evidence on the financial dynamics of Indonesia’s largest Islamic bank during the post-pandemic recovery and institutional consolidation period.
Sharia Compliance of Crowdfunding Platforms for MSME Financing in Indonesia Tsubutul Iman; Mustofa Mustofa; Deasy Tantriana; 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
Kesenjangan Antara Regulasi dan Implementasi Good Corporate Governance Pada Fintech Syariah Adinda Selvina; Mugiyati
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 12 (2025): IJEMA - Desember 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Penelitian ini mengkaji kesenjangan antara regulasi dan praktik Good Corporate Governance (GCG) pada fintech syariah serta implikasinya terhadap keberlanjutan industri. Penelitian dilakukan dengan metode studi kepustakaan melalui analisis dokumen regulasi, fatwa, dan literatur akademik yang diterbitkan pada periode 2014–2025. Temuan menunjukkan bahwa meskipun kerangka regulasi telah tersedia, implementasi GCG pada fintech syariah belum sepenuhnya optimal. Tantangan utama meliputi keterbatasan kompetensi Dewan Pengawas Syariah (DPS), rendahnya literasi syariah di kalangan pelaku industri, dan lemahnya mekanisme pengendalian internal. Kesenjangan ini berdampak pada meningkatnya risiko reputasi serta berpotensi menghambat keberlanjutan fintech syariah. Oleh karena itu, diperlukan penguatan tata kelola berbasis prinsip transparansi, akuntabilitas, dan kepatuhan syariah yang terintegrasi dengan aspek Environmental, Social, and Governance (ESG). Kajian ini berkontribusi dengan memberikan perspektif normatif sekaligus praktis mengenai urgensi harmonisasi regulasi dan implementasi GCG dalam membangun ekosistem fintech syariah yang berkelanjutan.
Integrasi Regulasi dan Teknologi dalam Asuransi Syariah Pada Ekosistem Keuangan Syariah Indonesia Nur Fadillah; Mugiyati
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 12 (2025): IJEMA - Desember 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Perkembangan teknologi digital menghadirkan peluang sekaligus tantangan bagi industri asuransi syariah di Indonesia. Rendahnya penetrasi pasar, keterbatasan inovasi produk, serta rendahnya literasi masyarakat menunjukkan adanya kesenjangan antara potensi industri dan realisasi di lapangan. Penelitian ini menawarkan solusi melalui analisis integrasi insurance technology (insurtech) dengan regulasi dan prinsip syariah, guna memperkuat tata kelola dan meningkatkan efisiensi layanan takaful. Melalui metode analisis isi dan sintesis literatur, penelitian ini menemukan bahwa penggunaan teknologi seperti blockchain, big data analytics, dan Artificial Intelligence (AI) mampu meningkatkan transparansi dana tabarru’, mempercepat proses underwriting dan klaim, serta memperluas inklusi layanan perlindungan. Temuan peneleitia ini juga menunjukkan bahwa fatwa DSN-MUI, regulasi OJK, dan peran Dewan Pengawas Syariah menjadi faktor penentu dalam menjaga kesesuaian antara inovasi digital dan prinsip maqasid al-shariah. Penelitian ini menyimpulkan bahwa integrasi insurtech syariah tidak hanya meningkatkan efisiensi operasional, tetapi juga memperkuat legitimasi syariah, kolaborasi kelembagaan, dan kepercayaan masyarakat dalam pengembangan ekosistem keuangan syariah nasional.
Strategi Peningkatan Bisnis Melalui Optimalisasi Peran Modal Ventura Syariah Di Era Digitalisasi Linggha Sennakyz; Mugiyati
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 12 (2025): IJEMA - Desember 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Penelitian ini dilatarbelakangi oleh masih terbatasnya skema pembiayaan syariah yang efektif untuk meningkatkan kapasitas usaha mikro, kecil, dan menengah di Indonesia, terutama dalam aspek pendampingan bisnis dan penciptaan nilai spiritual dalam kegiatan investasi. Studi ini bertujuan merumuskan kerangka konseptual strategi peningkatan skala bisnis melalui optimalisasi peran modal ventura syariah. Pendekatan kualitatif digunakan dengan mengkaji literatur normatif mengenai struktur pembiayaan, tata kelola, dan praktik investasi syariah yang relevan dengan pengembangan usaha. Hasil penelitian menunjukkan bahwa integrasi nilai spiritual dalam pengambilan keputusan investasi, penerapan prinsip musyārakah dan mudhārabah secara akuntabel, serta sinergi antara lembaga keuangan syariah dan pelaku usaha melalui digitalisasi merupakan faktor utama dalam memperkuat keberlanjutan bisnis. Penelitian ini menyimpulkan bahwa modal ventura syariah dapat berperan sebagai instrumen strategis dalam memperluas akses pembiayaan dan meningkatkan skala usaha secara berkelanjutan apabila ditopang oleh tata kelola investasi yang baik. Kerangka konseptual ini diharapkan memberikan kontribusi terhadap pengembangan strategi bisnis Islami yang mendukung kemaslahatan sosial dan pertumbuhan ekonomi nasional.
Tabungan Emas Sebagai Instrumen Lindung Nilai di Era Ketidakpastian Global: Perspektif Maqashid Syariah Linggha Sennakyz; Mugiyati
Indonesian Journal of Economics Management and Accounting Vol. 3 No. 6 (2026): IJEMA - Juni 2026
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Penelitian ini mengkaji relevansi tabungan emas sebagai instrumen lindung nilai (hedging) bagi masyarakat di tengah ketidakpastian ekonomi dan gejolak geopolitik global periode 2024–2026. Kajian ini berpijak pada teori safe haven asset dan kerangka maqashid syariah, khususnya prinsip hifz al-maal sebagai landasan normatif pengelolaan kekayaan dalam Islam. Penelitian menggunakan pendekatan kualitatif deskriptif dengan analisis data sekunder dari World Gold Council, Goldman Sachs, UBS, ICDX, BPS, dan Bank Indonesia. Temuan menunjukkan harga emas global naik 26% sepanjang 2024 dan melonjak 64% pada 2025 dengan 53 kali rekor tertinggi sepanjang masa, lalu menembus USD 5.000 per ons pada 26 Januari 2026 dan bertengger di kisaran USD 4.500–5.500 hingga Mei 2026. Pendorong utamanya adalah kebijakan tarif agresif pemerintahan Trump, eskalasi konflik AS-Israel-Iran yang mengancam Selat Hormuz, perang Rusia-Ukraina yang belum reda, tren de-dolarisasi bank sentral BRICS+, serta pemangkasan suku bunga The Fed sebanyak 75 basis poin pada 2025. Pembelian emas oleh bank sentral mencapai 1.045 ton (2024) dan 863 ton (2025), dua kali lipat rata-rata dekade sebelumnya. Dalam kerangka hifz al-mal, tabungan emas memenuhi tiga fungsi sekaligus: muhafazah al-qiymah (proteksi daya beli), tawzi al-makhathir (diversifikasi risiko), dan suhulah al-tasarruf (likuiditas tinggi). Studi ini berargumen tabungan emas bukan sekadar pilihan investasi, melainkan respons rasional sekaligus kewajiban moral seorang Muslim dalam menjaga amanah harta dari inflasi dan ketidakstabilan moneter struktural.
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