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All Journal AL-Daulah Jurnal Diskursus Islam Laa Maisyir Jurnal Ekonomi Islam Jurnal Pilar Jurnal Al-Qadau: Peradilan dan Hukum Keluarga Islam Alami Journal (Alauddin Islamic Medical) Journal SENTRALISASI Journal of Health Science and Prevention JURNAL PENDIDIKAN TAMBUSAI Khatulistiwa: Journal of Islamic Studies YUME : Journal of Management Jurnal Ilmiah Penegakan Hukum Iqtishoduna: Jurnal Ekonomi Islam Al-Maslahah Al-Musthofa: Journal of Sharia Economics At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Ekonomika Journal of Management and Business Innovations Al-Kharaj: Journal of Islamic Economic and Business Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Al-Azhar Journal of Islamic Economics Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Al-Ahkam : Jurnal Hukum Pidana Islam Al-Iqra Medical Journal : Jurnal Berkala Ilmiah Kedokteran Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Jurnal Ekonomika Jurnal Ar-Ribh J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Media Publikasi Promosi Kesehatan Indonesia (MPPKI) Jurnal Iqtisaduna Al-Buhuts (e-journal) Healthy Tadulako Journal (Jurnal Kesehatan Tadulako) Islamic Accounting and Finance Review Jurnal Ekonomi Syariah dan Bisnis Formosa Journal of Sustainable Research (FJSR) Tadayun: Jurnal Hukum Ekonomi Syariah Islamic Economic and Business Journal Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) POLICY, LAW, NOTARY AND REGULATORY ISSUES (POLRI) Al-Maqashid: Journal of Economics and Islamic Business Mutanaqishah: Journal of Islamic Banking Indonesian Journal of Contemporary Multidisciplinary Research AL-QIBLAH: Jurnal Studi Islam dan Bahasa Arab Innovative: Journal Of Social Science Research Moneta: Jurnal Manajemen & Keuangan Syariah Madani: Multidisciplinary Scientific Journal Business and Investment Review JPNM : Jurnal Pustaka Nusantara Multidisiplin HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis AL-SULTHANIYAH Jurnal Ekonomi dan Bisnis Riwayat: Educational Journal of History and Humanities Socius: Social Sciences Research Journal JSE: Jurnal Sharia Economica Al-Jadwa: Jurnal Studi Islam Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah JEBD Anayasa Santri : Jurnal Ekonomi dan Keuangan Islam Kanun: Jurnal Ilmu Hukum Cross-Border Journal of Business Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah At Tawazun Jurnal ekonomi Islam International Journal of Islamic Studies Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Indonesian Journal of Management Studies Jurnal Cendekia Ilmiah PESHUM Wasīlah: Journal Of Sharia Sciences HISAB: Jurnal Akuntansi Lembaga Keuangan Syariah
Mukhtar Lutfi
Universitas Islam Negeri Alauddin Makassar
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Halal Assurance Development Strategy In Indonesia Adriani, Adriani; Siradjuddin, Siradjuddin; Mukhtar Lutfi; Nurlaela, Nurlaela
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 3: April 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i3.7549

Abstract

This study uses a qualitative research method that provides an understanding of the strategy for developing halal assurance in Indonesia. This research method uses a literature review taken from several readings that discuss the existence of strategies, development and halal assurance. The results of this study are that halal products are rahmatan lil alamin for all people, especially for those who consume them and the business actors involved. In the development of the halal product industry, the implementation of sustainable policies that are in accordance with Islamic law will be oriented towards fair business and be able to create a just and prosperous society. In this case, the emphasis of the strategy is carried out by prioritizing the development of aspects of the domestic halal product industry and creating a business network in the global market that will grow the Indonesian halal product industry to dominate the global market. This is expected to increase the effectiveness, efficiency, and sustainability in the development of the halal product industry and make development rational and on target. Therefore, community involvement in the process of developing the halal product industry is very important in order to optimize existing resources and create a good communication climate between the government and the community
ISLAMIC ECONOMIC THOUGHT OF THE TIME OF RASULULLAH SAW AND KHULAFAURRASYIDIN: SOLU-TIONS AND CHALLENGES OF THE CONTEMPORARY TIME Ramlah, Ramlah; Sapa, Nasrullah Bin; Lutfi, Mukhtar
Khatulistiwa Vol 15, No 1 (2025)
Publisher : The Pontianak State Institute of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/khatulistiwa.v15i1.3216

Abstract

This article examines Islamic economic thought during the time of Prophet Muhammad and the Khulafaur Rasyidin, which laid a significant foundation for Islamic economics. The study focuses on the relevance of Islamic economic concepts in addressing modern issues such as social inequality and economic exploitation. The research problem explores how early Islamic economic thought can provide solutions to current economic challenges. The study employs a literature review method, analyzing key Islamic principles such as zakat management, prohibition of usury, land distribution, and fiscal policies. Findings reveal that Islamic economic principles emphasize social justice and wealth distribution, offering viable solutions to contemporary economic problems. The article suggests integrating Islamic social justice principles into modern economic systems to reduce global economic inequality. In conclusion, the economic thought of the Prophet Muhammad and Khulafaur Rasyidin is highly relevant for building a more equitable and inclusive economic system. 
PETA JALAN INDUSTRI HALAL DI INDONESIA UPAYA MENINGKATKAN DAYA SAING GLOBAL Vera Ayu Oktoviasari; Iva Ashari Ananda; Mukhtar Lutfi
HUMANITIS: Jurnal Homaniora, Sosial dan Bisnis Vol. 3 No. 4 (2025): April
Publisher : ADISAM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The halal industry roadmap involves strengthening stakeholders involved in the development of the halal industry in Indonesia, including institutional development involving the government/authorities, consumers and business actors. With the existence of a road map for the development of the halal industry and its consistent and sustainable implementation, it is possible that Indonesia will become a major player in the world's halal industry in the future and develop competent Human Resources (HR) in their fields through the development of the Indonesian National Work Competency Standards (SKKNI) which includes halal auditors. , halal supervisor, halal chef, halal slaughterer, halal manager. This research uses qualitative research using library research. Research results, development projections in several priority sectors as well as harmonization of institutions related to halal guarantees, improvements in infrastructure, services and services as well as improvements in human resources will have an impact on both national and global competitiveness. Data shows that total trade in Indonesian halal products in the January-October 2023 period reached USD 53.43 billion. Of this amount, exports of Indonesian halal products were recorded at USD 42.33 billion and imports at USD 11.10 billion.
The The Influence Of Customer Understanding On Interest In Waqf With Moderating Religiosity Harni; Mukhtar Lutfi; Nasrullah Bin Sapa
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.56604

Abstract

Social inequality and low community participation in cash waqf through Cash Waqf Linked Sukuk CWLS indicate that the great potential of waqf has not been optimized. Lack of financial literacy, access to services, and traditional perceptions of waqf are the main obstacles. This study is important to identify factors that influence community waqf intentions, especially in CWLS products. The purpose of this study is analyze and explain the influence of financial literacy, financial inclusion, socialization, and marketing programs on waqf intentions on CWLS with religiosity as a moderator. The population of this study were all customers of Bank Syariah Indonesia, with a sampling technique using purposive sampling. The number of samples that met the criteria was 150 customers. Hypothesis testing was carried out using SEM-PLS. The results of the study showed that financial literacy, socialization, and marketing programs had a significant positive effect on waqf intentions, while financial inclusion had no significant effect. Religiosity as a moderator strengthens the influence of socialization and marketing programs on waqf intentions, but weakens the influence of financial literacy and inclusion. These findings indicate the importance of CWLS education and marketing strategies integrated with religious and social approaches to increase community participation in waqf.
Influence of Literacy and Access to Information Media Regarding The Interest of Communities with Land Wakaf at The East Adonara District Office of Religious Affairs (KUA) Sri Syamsiar, Indriyani; Lutfi, Mukhtar; Wardy Putra, Trisno
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 17 No. 1 (2024): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v17i1.210

Abstract

Even though land waqf is included in Islamic teachings, there are still many people who are not aware of the importance of the existence of land for the benefit of the people. Waqf land is regulated in several Indonesian Constitutions which are run by KUA throughout Indonesia. The KUA of Adonara Timur Subdistrict as a forum for channeling land waqf has many shortcomings. Communities, religious leaders, KUA staff, officials who have credibility and power in the social order of life need to be massive in conducting socialization so that literacy, access to information media can support community interest in waqf land. The aim of the study was to determine the effect of literacy and access to information media on the interest in waqf for the people of East Adonara District, East Flores Regency, East Nusa Tenggra Province (NTT). This research was conducted at the KUA Office in East Adonara District with a sample size of 50 respondents who were determined through purpove sampling. This type of quantitative research with data collection methods uses a questionnaire consisting of three variables, namely literacy, access to information media and interest in waqf. Data analysis utilized the Multiple Linear Regression Test which was processed using SPSS version 25. The results showed that the level of influence of literacy on interest in waqf was included in the significant category with a sig. on variable X1 (literacy) of 0.00 ttable of 2.013, the level of influence of access to information media on interest in waqf is a significant category with a sig value. 0.00 ttable 2, 013 and the level of influence of literacy and access to information media on interest in waqf is a significant category with a sig. 0,000 Ftable 3,195. This effect is described in the coefficient of determination test (R2), namely the influence of variables X1 (literacy) and X2 (access to information media) on variable Y (interest in waqf) with a percentage of influence of 86.5%.
Use Of Zakat Funds For Productive Purposes In Indonesia Khaliq, Abdul; Lutfi, Mukhtar; Muin, Rahmawati; Jaya, Asri
Jurnal Ar-Ribh Vol 6, No 1 (2023): April 2023
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v6i1.10632

Abstract

Peraturan  zakat  di  Indonesia  mengatur  bahwa  zakat  dapat  dimanfaatkan  untuk  tujuan  produktif  dalam  rangka  penanganan  fakir  miskin  dan peningkatan  kualitas  umat.  Kajian  ini  bertujuan  untuk  mengkaji  pendayagunaan  dan  pembukuan  zakat  untuk  tujuan  produktif  serta dipraktekkan  oleh  lembaga  zakat.  Zakat  untuk  tujuan  produktif  biasanya  dikaitkan  dengan  pinjaman  atau  dana  bergulir.  Hal  itu  menimbulkan kontroversi  di  kalangan  ulama.  Perbedaan  konsep  zakat  menimbulkan  kontroversi  tentang  hak  milik  dan  perlakuan  zakat.  Tulisan  ini menawarkan  alternatif  pemanfaatan  zakat  atau  infaq/sadaqat  dari  perspektif  pertimbangan  fiqh  dan  akuntansi.
Inovasi Akad Pembiayaan Kartu Kredit pada Perbankan Syariah Susanto, Dedi; Rayyahun, Annisa; Sukmana, Ahyana Syahila; Lutfi, Mukhtar
AL-SULTHANIYAH Vol. 14 No. 2 (2025): AL-SULTHANIYAH
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/al-sulthaniyah.v14i2.3593

Abstract

Islamic credit cards are one of the innovations in the Islamic financial system aimed at providing non-cash transaction facilities while adhering to Islamic principles. This study aims to identify the challenges and issues faced by Islamic banks in developing and implementing Islamic credit card products in Indonesia. The research method used is a literature study with a descriptive qualitative approach, referring to academic literature, fatwas from the National Sharia Council (DSN-MUI), and banking regulations. The results show that Islamic banks face several key challenges, including limited public understanding of sharia-based contracts, the need for adequate supporting technology systems, and intense competition from more widely known conventional credit cards. In addition, limited product innovation and the need for harmonization between sharia regulations and national financial authority policies remain significant obstacles. Therefore, synergy between regulators, industry players, and academics is necessary to strengthen Islamic credit card products through education, sharia financial literacy, and the development of competitive yet sharia-compliant features.
Literasi Keuangan Nasabah terhadap Pemahaman Sistem Pembiayaan Pegadaian Syariah di Indonesia Shahrin, Attori Alfi; Ar Rozi, Habib Aziz; Lutfi, Mukhtar; K, Amiruddin
Al-Maqashid: Journal of Economics and Islamic Business Vol. 5 No. 1 (2025): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v5i1.1597

Abstract

This research aims to analyze the relationship between customer financial literacy and understanding of the financing system implemented at Sharia Pegadaian in Indonesia. Financial literacy, which includes knowledge, skills and attitudes towards financial management, plays an important role in supporting wise financial decision making, especially in the context of Islamic financial services. This study uses library research. The research results show that customers' financial literacy levels still vary, with several main obstacles such as a lack of understanding of sharia contracts and sharia-based financing mechanisms. Statistical analysis shows a significant positive relationship between financial literacy and understanding of the sharia financing system. These findings emphasize the importance of structured educational efforts to increase financial literacy, especially among people who have not been optimally served by formal financial institutions.
Lembaga Dana Pensiun Syariah sebagai Instrumen Perlindungan Masa Tua Berbasis Maqashid Syariah Sari, Dian; Devy Wulandari; Andi Abdul Gaffar; Amiruddin Kadir; Mukhtar Lutfi
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 2 (2025): Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i2.2618

Abstract

This research aims to understand the concept and regulations of Islamic pension funds (dana pensiun syariah) in Indonesia, which impact life in old age based on the Maqasid al-Shariah (objectives of Islamic law). An Islamic pension fund is a pension fund that administers a retirement program based on Sharia principles (DSN-MUI Fatwa Number: 88/DSN-MUI/XI/2013). The management of Islamic pension funds in Indonesia is carried out through investments in Sharia-compliant pension funds that are distributed to participants. This is closely tied to the contractual consequences of the underlying agreement governing the transactional relationship between DPLK (Financial Institution Pension Fund) participants and the Sharia DPLK, which is based on the contract of Wakalah bil Ujrah (agency with fee).This study uses a qualitative approach with a descriptive-analytical method to analyze instruments of old-age protection based on Maqasid al-Shariah in the management of pension funds within Islamic financial institutions. The research is rooted in the management of pension funds aligned with the Maqasid al-Shariah, which represent the main objectives of Islamic law—namely, to realize the welfare (maslahah) of humanity in both this world and the hereafter. This pension fund also serves as a form of old-age security designed to provide income certainty for workers after entering retirement.
Development Of The World Halal Industry Halal Guarantee System In Its Development In Some Countries Ri Esso*, Andi Sawe; Ismail, Ismail; Lutfi, Mukhtar
Riwayat: Educational Journal of History and Humanities Vol 7, No 2 (2024): April, The Election and Political History
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v7i2.39187

Abstract

This article discusses the development of halal guarantee systems in several countries and its implications for the global food and beverage industry. With increasing consumer awareness of halal products, demand for halal products continues to increase significantly. Therefore, countries that have large Muslim populations or significant export markets to Muslim-majority countries have developed comprehensive halal assurance systems. This article examines some of the approaches taken by countries such as Malaysia, Indonesia, Turkey and the United Arab Emirates in building and managing their halal assurance systems. Apart from that, the economic, social and political implications of this halal guarantee system are also discussed. Through this analysis, this article provides insight into how the halal guarantee system plays a role in driving the growth of the food and beverage industry in an increasingly developing global market.
Co-Authors A. Adriana Amal Abd. Hafid Abd. Wahab Abd. Wahab Abd. Wahab Abdul Khaliq Abdul Wahab Abdul Wahab Abdul Wahid Haddade Abdullah AF Abdullah, Muhammad Wahyuddin Abdullah, Wahyuddin Abdullah, Wahyuddin Achmad Musyahid Idrus ADRIANI ADRIANI Afna Eka Widyastuti Agus Syam Ahmad Muhajir, Ahmad Ahsun Inayati Aisyah Aisyah Akram Ista Akramunnas Ambo Asse Amiruddin Amiruddin Amiruddin Amiruddin K Amiruddin K Amiruddin.K Andhini Putri Novianti Andi Abdul Gaffar Andi Irhamnia Sakinah Andi Niken Ayu N.F Andi Sri Mutmainna Andi Tihardimanto Andi Wawan Mulyawan Andika Akbar Anisa Utami Novianty Ar Rozi, Habib Aziz Arlina Wiyata Gama Arsyadi, Baso Askar Fatahuddin Asmira, Sri Asni Asni Asri Jaya Asriadi Arifin Adi Azizah Nurdin, Azizah Azmi Yusriyah Naurah Azwar Azwar Basri, Muh. Arfah BN, Andi Muh. Taqiyuddin Dedi Susanto Desy Arum Sunarta Devy Wulandari Dian Sari Djafar Djafar Eka Febrianti Ervina Hijrah Nirwana Fatahuddin, Askar Fauziah Sulaiman Febrianti, Rachma Ferianti Ririn Fitriah Ningsih G. Gunawan Ghalib, Muhammad Gunawan Gunawan Halik, Abdul Chadjib Hamdana Hamdana Hamzah Hasan Harni hasim, cani Hasisa Haruna Herianti Herman, Muhammad Akbar Husni Nasir Ilham , Muhammad Ilham Ilham Ilnawati Ismail Hasang Ismail Ismail Iva Ashari Ananda Jayawarsa, A.A. Ketut K, Amiruddin Latifah Lanonci Lince Bulutoding Lohalo, Georges Olemanu Lubnaa Sulistiyani Kartiko M, Misbahuddin M. Fadel, M. Fadel Mallongi, Syahrir Maryam Nurdin, Maryam Mau Lulo, Lourenco de Deus Muammar Bakry Muhammad Affandi AR Muhammad Afief Mubayyin Muhammad Fadel Muhammad Mutawalli Muhammad Nasri Katman Muhammad Rustam Saputra Muhammad Saleh Ridwan Muhammad Saleh Tajuddin Muin, Rahmawati Mukhlis Latif Mulkiyah Zul Fadhilah Muslimah Muslimah Muslimin Kara Mutawalli, Muhammad Nadya Haruna Nasir Hamzah Nasrullah Bin Sapa Nelia Syafriawati Nur Hidayah Nuraulia Aco Dahrul Nurfiah Nurfiah Nurhasnaini. H Nurhidayat Nurhidayat Nurjannah Nurjannah NURLAELA NURLAELA Nurlina Nurlina Nurlina Nurlina Nurul Pratiwi Nurum, Munawir Nurvadillah Nurvadillah Nurwijayanti Paskual, Meity Ferdiana Purnamaniswaty, Purnamaniswaty Purnomo, Anggi Putra, Trisno Wardy Putri Ayu Ramadhani Putrisarira , Wahyuni Rachma Febriyanti Rahadi Arie Hartoko Rahmawati Muin Rahmawati Muin Rahmawati Muin Ramlah Ramlah Rayyahun, Annisa Reni Reni Reskiani, Anugrah Ri Esso*, Andi Sawe Ridwanto Rini Fitriani Risnawati Risnawati Rizky Amaliyah Ramdhani Ilham Rosdianah Rahim Rusdi Raprayogha Saharuddin Sahdiah Desriana Karim Sahrul Gunawan Saiful Muchlis Saleh Al Hadad Samsunar, Muh. Sapa, Nasrulla Bin Sapsuha, Mubasysyyratul Ummah Sari Ifdiana Jalal selmiana salam selmi Shahrin, Attori Alfi Siradjuddin Sirajuddin Sri Mulyati Sri Muntu, Andi Tenri Sri Syamsiar, Indriyani Sudarmi Sudarmi Sufiana Fahmi Sufiani Zahra Sugianto Sukmana, Ahyana Syahila Sumar’in Sumar’in Suparman Suparman Supriadi Syahidah Rahmah Syahruddin Kadir Syamsiah Rauf Syarif, Muhammad Isra Syarifa Khaerunnisa Syatar, Abd Tacong, Hamzah Taqiyuddin BN, Andi Muh. Tihardimanto, A. Titin Hardianti Ummu Alfatimah Vera Ayu Oktoviasari Virgiawan, A. M. Luthfi virgiawan, luthfi Wahyuddin Abdullah Wardy Putra, Trisno Yohan Yohan Yusnita