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All Journal Al-Ulum Falah : Jurnal Ekonomi Syariah JURNAL LENTERA BISNIS Iqtishodia: Jurnal Ekonomi Syariah Jurnal Ilmiah Edunomika (JIE) Journal of Islamic Business and Economic Review (JIBER) Jurnal Manajemen Mutanaqishah: Journal of Islamic Banking International Journal of Economics (IJEC) Jurnal Perbankan Syariah Darussalam (JPSDa) KENDALI: Economics and Social Humanities QANUN: Journal of Islamic Laws and Studies Jurnal Riset Manajemen Jurnal Bisnis dan Manajemen (JURBISMAN) Jurnal Manajemen dan Bisnis (JMB) Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat JEBD Neraca Manajemen, Akuntansi, dan Ekonomi Majapahit Journal of Islamic Finance dan Management Journal of Islamic Economics and Finance Jurnal Media Akademik (JMA) Majapahit Journal of Islamic Finance dan Management Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Inovasi Ekonomi Syariah dan Akuntansi Jurnal Ekonomi, Manajemen, Akuntansi BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Natuja: Jurnal Ekonomi Syariah Khazanah Sosial Al Itmamiy: Jurnal Hukum Ekonomi Syariah
Fatih Fuadi
UIN Raden Intan Lampung
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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TRANSFORMASI DIGITAL PADA LEMBAGA KEUANGAN MIKRO SYARIAH: ANALISIS IMPLEMENTASI, TANTANGAN, DAN STRATEGI PENGEMBANGAN BMT DI INDONESIA Putra, Riyan Damara; Shalahudin Habibullah; Fatih Fuadi
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2025): November (2025)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/4h9v5v23

Abstract

Digital transformation in Islamic microfinance institutions, particularly Baitul Maal wat Tamwil (BMT), has become a strategic approach to expanding digital financial inclusion while improving the operational efficiency of community-based financial institutions. This study aims to examine the implementation of digital transformation in Indonesian BMTs, identify key challenges, and formulate development strategies aligned with Islamic principles. A Systematic Literature Review (SLR) was employed by analyzing peer-reviewed journal articles, institutional reports, and policy publications issued between 2020 and 2025. The findings indicate that BMTs with adequate asset capacity and governance structures are more prepared to adopt digital technologies comprehensively, particularly in transaction services, financing processes, and financial reporting. Digitalization initiatives in selected BMTs have demonstrated measurable improvements in operational efficiency and service outreach. Nevertheless, most BMTs remain at basic to intermediate stages of digital adoption due to infrastructure constraints, limited digital literacy among human resources, and regulatory complexity. This study emphasizes that BMT digital transformation should be implemented gradually, contextually, and in accordance with Islamic values, supported by collaboration with the Islamic fintech ecosystem and regulatory policy frameworks.
Evaluation of Financial and Maqasid Syariah Performance of Islamic Banks in Southeast Asia (2019–2023) Fatih Fuadi; Suhendar Suhendar; Hanif Hanif; Wahyu Iryana; Anas Malik
Khazanah Sosial Vol. 7 No. 1 (2025): Khazanah Sosial
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v7i1.41055

Abstract

This study aims to analyse the performance of Islamic banks in Southeast Asia through a comprehensive framework that includes both financial and non-financial aspects, particularly those grounded in the Maqasid al-Shari’ah. The research is significant as the rapid growth of Islamic finance in the region has not been matched by systematic performance evaluations. Employing a quantitative approach with an explanatory design, data were collected from financial reports, structured surveys, and interviews, and analysed using panel data regression with the Fixed Effect Model (FEM). The findings reveal a significant post-pandemic recovery among Islamic banks, demonstrated by improvements in profitability, operational efficiency, and asset quality. The Maqasid Syariah Index (MSI) shows varied achievements, with Malaysia and Indonesia leading in the integration of Islamic ethical and social values. Internal factors such as bank size and age, along with external factors such as GDP growth, the Islamic Financial Development Index (IFDI), and Sharia Governance Score (SGS), significantly influence performance. These results underscore the importance of aligning macroeconomic factors, Islamic governance, and financial infrastructure to support the resilience and sustainability of Islamic banking. This study offers an original contribution by developing a performance evaluation model rooted in maqasid principles and provides policy recommendations to enhance the integration and efficiency of the regional Islamic financial system.
Pengaruh Pertumbuhan Ekonomi dan Tingkat Pengangguran Terbuka terhadap Indeks PembangunanManusia di Pulau Sumatera dalam Perspektif Ekonomi Islam Tahun 2020-2024 Regita Putri Febrianti; Fatih Fuadi; Yulistia Devi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10871

Abstract

Indeks Pembangunan Manusia (IPM) tela menjadi indikator penting pencapaian pembangunan regional. Tujuan dari pengkajian ini adalah untuk mengkaji dari sudut pandang ekonomi Islam, bagaimana Indeks Pembangunan Manusia Pulau Sumatra dipengaruhi oleh Pertumbuhan Ekonomi Dan Tingkat Pengangguran Terbuka. Penelitian ini menggunakan metodologi penelitian kuantitatif, dengan memanfaatkan data panel dari sepuluh provinsi di Pulau Sumatra. Indeks Pembangunan Manusia di Pulau Sumatra tidak terlalu terpengaruh secara signifikan dan terpengaruh secara positif oleh pertumbuhan ekonomi. Sementara itu, indeks pembangunan manusia Pulau Sumatra secara signifikan dan negatif terpengaruh Tingkat pengangguran terbuka. Selain itu, penelitian ini menemukan bahwa indeks pembangunan manusia Pulau Sumatra sangat dipengaruhi oleh tingkat pengangguran terbuka dan pertumbuhan ekonomi. Ekonomi Islam memprioritaskan falah (kesejahteraan di dunia dan akhirat) di atas sekadar meningkatkan pendapatan atau metric statistik. Oleh karena itu, Islam berpendapat bahwa di sampan unsur ekonomi dan fisik, kemajuan manusia harus mencakup dimensi spiritual, moral, dan sosial.
Implementation of Social Capital Contribution of Rice Farmers in Meeting Household Needs (Case Study of Sungkai Selatan District, North Lampung Regency) from an Islamic Economic Perspective Anggun Lestari; Fatih Fuadi; Alief Rakhman Setyanto
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10771

Abstract

This research is motivated by the condition of rice farmers in South Sungkai District, North Lampung Regency, who are still facing limited financial capital in meeting household needs, so they need an alternative to social-based economic support. Social capital, which includes trust, social networks, norms, and the value of togetherness, is a non-material asset that plays an important role in the lives of farmers. This study aims to analyze the form and contribution of social capital to rice farmers in meeting household needs and review its suitability with Islamic economic perspectives. This research uses a qualitative approach with a case study method, through observation techniques, in-depth interviews, and documentation. The results of the study show that social capital makes a real contribution to meeting the needs of farmers' households, especially in the aspects of food, education, and health, through the practice of mutual cooperation, cooperation with farmer groups, and social relations based on trust and mutual help. Viewed from the perspective of Islamic economics, the practice of social capital is in line with the principles of ta'awun (help), justice, and ukhuwah (brotherhood). In conclusion, social capital not only functions as a strengthening of the economy of farmers' households, but also as a means of strengthening social solidarity and realizing sustainable prosperity in accordance with Islamic economic values.
PENGARUH SUSTAINABLE BRAND EXPERIENCE DAN PERCEIVED VALUE TERHADAP BRAND LOYALTY DI MODERASI CONSIOUS CONSUMPTION DALAM PERSPEKTIF BISNIS ISLAM (PADA KONSUMEN THE BODY SHOP DI BANDAR LAMPUNG) Olivia Regita Putri; Fatih Fuadi; Sherly Etika Sari
JURNAL LENTERA BISNIS Vol. 15 No. 2 (2026): JURNAL LENTERA BISNIS, Mei 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i2.2323

Abstract

The development of the beauty and personal care industry has encouraged companies to implement sustainability concepts as a strategy to enhance consumer loyalty. The Body Shop is one of the companies that promotes the concept of ethical beauty through environmentally friendly products and sustainability-oriented social campaigns. However, increasing consumer awareness of environmental issues does not always directly lead to brand loyalty due to the phenomenon of the attitude–behavior gap.  This study aims to analyze the influence of Sustainable Brand Experience and Perceived Value on Brand Loyalty with Conscious Consumption as a moderating variable among The Body Shop consumers in Bandar Lampung. This research employed a quantitative approach using a survey method through questionnaire distribution to The Body Shop consumers in Bandar Lampung. The sampling technique used was purposive sampling with a total of 100 respondents. The data were analyzed using the Structural Equation Modeling–Partial Least Square (SEM-PLS) method. The results indicate that Sustainable Brand Experience does not have a significant effect on Brand Loyalty. Meanwhile, Perceived Value has a positive and significant effect on Brand Loyalty. The moderating variable, Conscious Consumption, was unable to moderate the relationship between Sustainable Brand Experience and Perceived Value on Brand Loyalty. However, Conscious Consumption has a direct positive and significant effect on Brand Loyalty. These findings suggest that consumer loyalty is more strongly influenced by perceived value and consumption awareness than by sustainable brand experience directly. From the perspective of Islamic business, these findings are consistent with Islamic consumption principles that emphasize halal, good, conscious, and non-excessive consumption. This study is expected to provide both theoretical and practical contributions for companies in developing sustainable marketing strategies based on value and consumer awareness.
The Impact of Fear of Missing Out (FoMO) on the Socio-Economic Welfare of Gen Z from the Perspective of Maqashid Syariah Muhammad Ryas Fatiha Kesuma; Syamsul Hilal; Fatih Fuadi
Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat Vol. 5 No. 1 (2026): Jurnal Hasil Penelitian
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/community.v5i1.147

Abstract

The development of digital technology has given rise to the phenomenon of Fear of Missing Out (FoMO), which is increasingly felt by Generation Z, the group most active in social media use. This study aims to analyze the impact of FoMO on the socio-economic well-being of Generation Z and examine this phenomenon from the perspective of the maqasid sharia (Islamic principles). The method used was a literature review with a descriptive qualitative approach through the analysis of various sources, including scientific journals, books, and relevant research reports. The results show that FoMO contributes significantly to the formation of consumptive behavior, increased social pressure, and weakened individual economic stability. Furthermore, FoMO also impacts mental health, such as anxiety, stress, and low life satisfaction. From the perspective of maqasid sharia, the FoMO phenomenon has the potential to conflict with the principles of hifz al-nafs (protecting the soul), hifz al-aql (protecting the mind), and hifz al-mal (protecting wealth), as it encourages behavior that imbalances needs and desires. This research emphasizes the importance of integrating Islamic values ​​such as modesty (zuhud), self-control (tahdzib an-nafs), and a focus on the welfare of others in dealing with digital social pressures. Thus, the maqashid sharia approach can be a normative solution to mitigate the negative impact of FoMO on the socioeconomic well-being of Generation Z.
ANALISIS EFEKTIVITAS DISTRIBUSI ZAKAT PADA BANK SYARIAH INDONESIA PERIODE 2021 SAMPAI DENGAN 2025 Ogi Marsenal Ipando; Syamsul Hilal; Fatih Fuadi
KENDALI: Economics and Social Humanities Vol. 4 No. 3 (2026): KENDALI: Economics and Social Sciences Humanities, Maret 2026
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i3.1445

Abstract

Penelitian ini bertujuan untuk mengevaluasi efektivitas distribusi zakat pada Bank Syariah Indonesia (BSI) periode 2021–2025 dengan menggunakan metode deskriptif kuantitatif berbasis rasio Allocation to Collection Ratio (ACR) sesuai standar Zakat Core Principle. Hasil kajian menunjukkan bahwa BSI mengalami pertumbuhan penghimpunan zakat yang sangat progresif, meningkat dari Rp123,17 miliar pada tahun 2021 hingga mencapai Rp289,38 miliar pada tahun 2025, dengan total akumulasi dana melampaui Rp1 triliun. Analisis ACR mengonfirmasi bahwa distribusi zakat BSI berada pada kategori Sangat Efektif, didukung oleh inovasi digital melalui platform BYOND by BSI yang mampu meningkatkan transparansi serta kecepatan penyaluran secara real-time. Penelitian menyimpulkan bahwa BSI telah berhasil melakukan transisi strategis dari sekadar bantuan kemanusiaan (charity) menuju program pemberdayaan ekonomi produktif, seperti Desa Berdaya dan penguatan UMKM, guna mendorong transformasi mustahik menjadi muzakki. Keberhasilan ini mengukuhkan peran BSI sebagai agen utama dalam memperkuat ekosistem ekonomi syariah nasional yang berkelanjutan di Indonesia.
Penguatan Tata Kelola Wakaf Produktif Berbasis Maqāṣid al-Syarī‘ah: Kerangka Hukum-Ekonomi bagi Investasi Sosial Islam di Indonesia Dewi Risyantika; Syamsul Hilal; Fatih Fuadi
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 8 No. 1 (2026): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/j2h9c418

Abstract

Penelitian ini mengkaji penguatan tata kelola wakaf kontemporer berbasis maqāṣid al-syarī‘ah sebagai instrumen investasi sosial Islam produktif di Indonesia. Kajian terdahulu telah membahas tata kelola wakaf, wakaf produktif, wakaf uang, Cash Waqf Linked Sukuk, dan maqāṣid al-syarī‘ah secara terpisah; namun, masih terbatas kajian yang mengintegrasikan seluruh dimensi tersebut ke dalam satu kerangka tata kelola hukum-ekonomi yang utuh. Penelitian ini menggunakan metode hukum normatif-konseptual dengan pendekatan kualitatif melalui telaah regulasi wakaf, literatur maqāṣid al-syarī‘ah, kajian wakaf produktif, Islamic social finance, wakaf uang, dan Cash Waqf Linked Sukuk. Analisis dilakukan melalui analisis isi dan interpretasi hukum berbasis maqāṣid untuk menelaah hubungan antara legalitas, produktivitas aset, profesionalisme nazhir, akuntabilitas, dan dampak sosial. Hasil penelitian menunjukkan bahwa tata kelola wakaf di Indonesia telah memiliki fondasi hukum yang kuat, tetapi masih menghadapi kelemahan pada aspek produktivitas aset, kapasitas kelembagaan, transparansi, dan pengukuran dampak sosial. Maqāṣid al-syarī‘ah terbukti relevan bukan sekadar sebagai doktrin normatif, melainkan sebagai kerangka evaluatif untuk menilai apakah tata kelola wakaf mampu melindungi harta, memperluas kesejahteraan, mendukung pendidikan dan kesehatan, memperkuat ketahanan keluarga, serta menjaga keberlanjutan sarana keagamaan. Penelitian ini juga menemukan bahwa wakaf uang dan Cash Waqf Linked Sukuk dapat memperkuat transformasi wakaf dari filantropi tradisional menjadi investasi sosial Islam produktif. Kebaruan penelitian ini terletak pada perumusan kerangka tata kelola wakaf hukum-ekonomi yang mengintegrasikan legalitas, produktivitas, akuntabilitas, dan dampak sosial berbasis maqāṣid. Penelitian ini berkontribusi pada pengembangan hukum ekonomi syariah dengan memosisikan wakaf sebagai sistem tata kelola produktif yang berorientasi pada kemaslahatan publik berkelanjutan.
Tata Kelola Zakat Digital Berbasis Maqāṣid al-Sharī'ah: Akuntabilitas dan Keadilan Distribusi di Indonesia Ahmad Ali Kamal; Syamsul Hilal; Fatih Fuadi
Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah) Vol. 8 No. 1 (2026): Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/sg8kdp74

Abstract

Penelitian ini bertujuan menganalisis tata kelola zakat digital berbasis maqāṣid al-sharī‘ah dalam kaitannya dengan akuntabilitas, keadilan distribusi, dan transformasi manajemen zakat di Indonesia. Perkembangan kanal pembayaran zakat digital seperti mobile banking, QRIS, e-wallet, payroll system, marketplace, dan aplikasi zakat telah memperluas penghimpunan dana, namun belum secara otomatis menjamin tata kelola yang akuntabel dan distribusi yang berkeadilan bagi mustaḥiq. Penelitian-penelitian terdahulu umumnya memfokuskan pembahasan pada efisiensi penghimpunan dana, adopsi teknologi, dan transparansi pelaporan, sedangkan kajian yang mengevaluasi tata kelola zakat digital secara komprehensif melalui kerangka maqāṣid al-sharī‘ah yang mengintegrasikan akuntabilitas dan keadilan distribusi masih relatif terbatas. Celah inilah yang menjadi kebaruan utama penelitian ini. Penelitian menggunakan metode hukum normatif-konseptual dengan pendekatan kualitatif melalui telaah regulasi zakat, literatur maqāṣid al-sharī‘ah, kajian tata kelola zakat digital, serta penelitian mengenai akuntabilitas lembaga zakat. Analisis dilakukan menggunakan analisis isi dan interpretasi berbasis maqāṣid untuk mengkaji hubungan antara digitalisasi, amanah pengelolaan dana, validitas data mustaḥiq, transparansi pelaporan, dan keadilan distribusi. Hasil penelitian menunjukkan bahwa tata kelola zakat digital perlu bergerak dari collection-oriented governance menuju accountability-and-distribution-oriented governance. Dalam perspektif maqāṣid al-sharī‘ah, ḥifẓ al-māl menuntut perlindungan dana zakat, ḥifẓ al-nafs menuntut pemenuhan kebutuhan dasar mustaḥiq, al-'adl menuntut distribusi yang tepat sasaran dan proporsional, sedangkan maṣlaḥah menuntut terciptanya manfaat sosial yang berkelanjutan. Penelitian ini menyimpulkan bahwa digitalisasi zakat hanya memiliki nilai substantif apabila mampu memperkuat akuntabilitas, meningkatkan keadilan distribusi, dan mentransformasikan pengelolaan zakat dari sekadar digital fundraising menuju digital governance berbasis maqāṣid al-sharī‘ah.
Challenges In Implementing Islamic Financial Institution Pension Funds In Indonesia Laili Fathul Hidayah; Ummi Kaltsum Karunianing Utami; Fatih Fuadi; Muhammad Iqbal
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4608

Abstract

Islamic Financial Institution Pension Funds (DPLK Syariah) represent a long-term financial instrument aimed at ensuring retirees’ economic security while adhering to Islamic principles. Despite the rapid growth of the Islamic finance industry in Indonesia, the development of Islamic pension funds remains relatively limited compared to conventional pension schemes. This article seeks to systematically examine the key challenges faced in the implementation of DPLK Syariah in Indonesia and to formulate strategic efforts to strengthen its development. Employing a qualitative approach, this study adopts a literature review method by analyzing scholarly articles, regulatory frameworks, policy reports, and relevant academic publications published between 2022 and 2025. The findings reveal that the implementation of DPLK Syariah is constrained by multidimensional challenges, including regulatory disharmony, limited availability of sharia-compliant investment instruments, low public literacy and participation, as well as institutional and human resource capacity weaknesses. Furthermore, the dominance of conventional pension funds continues to restrict market penetration for Islamic pension schemes. To address these challenges, this study proposes several strategic measures, such as enhancing Islamic financial literacy, promoting product and technological innovation, expanding sharia-based investment instruments, strengthening governance and human capital, and improving regulatory harmonization. This study is expected to contribute both conceptually and practically to policymakers, industry practitioners, and academics in fostering a more inclusive, competitive, and sustainable Islamic pension fund ecosystem in Indonesia.
Co-Authors Adib Fachri Ahmad Ali Kamal ahmad habibi Ahmad Hazas Syarif Akbar Aditya Alief Rakhman Setyanto Anas Malik Anggun Lestari Annastasya Ayu Saputri Annisa Anggraini Atridayansyah, Reza Bayu Saputra Beatricca Shinta Azzahra Budi Herlyanto Dani Iwan Saputra Dara Nitami Deni Saputra Destin Fitria Anjayani Dewi Risyantika Dimas Pratomo Ersi Sisdianto Feby Amelia Hanif Hanif Heni Verawati Hidayati Ice Marwiyah Inka Corlita Iqbal, Muhammad Is Susanto Jenny Zuan Sherliva Junice Esti Pratiwi Karennia Junisa Laili Fathul Hidayah Lita Aryani Liya Ermawati M. Ramdani Nasrudin Madnasir Madnasir Mia Selvina Muhammad Alifian Zakaria Muhammad Daffa Hariyanto Muhammad Ryas Fatiha Kesuma Muhammad Yogi Nadiya Putri Ananda Anom Nasution, Annio Indah Lestari Niken Handayani Ogi Marsenal Ipando Olivia Regita Putri Putra, Riyan Damara Regita Putri Febrianti Rezeki Kurniawati Shalahudin Habibullah Sherly Etika Sari Sivia Nurma Ayu Sivia Nurma Ayu Suhendar Suhendar Suhendar Syamsul Hilal Syamsul Hilal Ummi Kaltsum Karunianing Utami Utari Dewi Vicky F Sanjaya Wahyu Iryana Weny Rosilawaty Yulistia Devi Yulistia Devi