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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam El-Qist : Journal of Islamic Economics and Business (JIEB) Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Didaktika Religia Edunity: Kajian Ilmu Sosial dan Pendidikan Moderasi : Journal of Islamic Studies Journal of Industrial and Syariah Economics Journal of Integrative Sustainability and Ethics
Siti Musfiqoh
UIN Sunan Ampel Surabaya
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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KILAS BALIK EKONOMI ISLAM DI INDONESIA Musfiqoh, Siti
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2011.1.1.1-14

Abstract

The historical development of Islamic system economic in Indonesia reflects the dynamics of the aspirations and wishes of the Indonesian people themselves, to have an alternative fair economic system, in the real sector. as an alternative search process in the monetary system which is characterized by the principles of transparency, fairness, balance and ethics in creating a prosperous society materially and spiritually. The initial of this alternative search system, initiated by scientific studies about Islamic economic and financial. The result of those studies is the publication of islamic banking laws. The initial of Islamic economic system of banking began in the early 1980's, when the government issued a policy package on Banking liberalization.The scholars' at that time established an interest-free rate, bank Muamalat (Islamic banks) at the end of 1991 and operational in early 1992, but none of the legal device that can be used as a reference.This condition lasted until the year 1997, in which Indonesia was hit by the economic and moneter crisis.At that time, when conventional banks had been liquidated, , Islamic banks showed their existence and do not experience economic shocks. Aspiration of Indonesian people had been growing to have an Islamic financial institutions, non bank financial institutions and the banking through the application of system for a favorable outcome for the customer and the bank. Furthermore, the trial conducted by the public along with academics and practitioners to realize and practice the idea of monetary systems ranging from small-scale enterprises both bank and non bank financing are trying to apply the concept of revenue sharing. At this stage, the establishment of Islamic banks are seen as an indicator of economic progress is happening in Islamic economic, so almost society equate Islamic Economic with Islamic banks, or non-bank sharia financial institutions other. Though the scope of Islamic economics is much broader than just a Sharia finance. It covers macroeconomic concepts, micro-economic, fiscal, monetary, and also the much concept of economic development policies and instruments with all the variables.
PINJAMAN ONLINE PERSPEKTIF EKONOMI ISLAM Nur Fauzi, Fatimala; Ayu Mulyaningsih, Diah; Lutfiah, Warda; Musfiqoh, Siti; Abdul, Hakim
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1638-1658

Abstract

Agama Islam sudah menjelaskan bahwa segala aktifitas ekonomi diperbolehkan untuk memenuhi kebutuhan hidup sehari-hari dengan syarat mekanisme untuk memenuhi berbagai macam kebutuhan tersebut tidak menyimpang dari ketentuan syari’ah yang ada dalam al-Qur’an dan Hadis yang menjadi sumber hukum pokok dalam agama, dan juga ijtihad para ulama. Kemajuan teknologi menjadikan aktifitas ekonomi ikut bergeser, di mana yang dulunya secara konvensional dengan mengharuskan bertemu secara fisik. Namun di era kemajuan teknologi ini, cara konvensional tersebut mulai ditinggalkan sebab kurang efisien dan seterusnya. Artikel ini ingin menjawab tentang bagaimana praktik pinjaman online perspektif ekonomi Islam?. Dengan metode studi pustaka, penulis akan menganalisis kasus yang terjadi di Solo terkait pinjaman online secara normatif dalam kaidah fikih ekonomi syariah, di mana hasil dari analisis kami dapat kami simpulkan bahwa pinjaman online yang ada di Solo cenderung mengandung madharat
PRIZE LOTS IN ISLAMIC PERSPECTIVE (Case Study of Lucky Draw at Bank BNI Syariah KCP Ampel Surabaya) Layyinah, Layyinah; Chabibah, Umi; Solikhawati, Anisa; Hakim, Abdul; Musfiqoh, Siti
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1659-1675

Abstract

Abstract This study aims to find out more about the law of prize lots according to the Islamic perspective. The prize lots with prizes is increasingly prevalent in the community, and is becoming a familiar thing. Prize lots is one form of allowing products in an institution, especially in the banking world. Prize lots in BNI Syariah banks is carried out to attract customers to transact using Syariah Banks. This study uses a qualitative method based on literacy theory and methods. This study is based on the laws that exist in the Qur'an, hadith, and fiqh rules that allow Prize lots with terms and conditions that do not come out of Islamic teachings. In this study, the practice of the iB Hasanah BNI Syariah Savings Prize lots is that the customer opens an iB Hasanah Savings account at Bank BNI Syariah KCP Ampel Surabaya and if the customer has a minimum balance or meets the requirements to participate in the lucky draw, the bank will automatically provide a lottery number for entered in a lottery to determine which customers are entitled to receive prizes. From this study, the authors can conclude that the practice of Prize lots with iB Hasanah Savings at Bank BNI Syariah KCP Ampel Surabaya is not a gambling practice (maysīr) which is forbidden by Islam because the practice does not fulfill the elements of gambling, namely the presence of a party who bets, the determination of the winner. and done face to face. Keywords: Prize lots, Lucky Draw, Islamic Bank, Prize           Abstrak Penelitian ini bertujuan untuk mengetahui lebih tentang hukum undian berhadiah menurut perspektif Islam. Undian berhadiah semakin marak di masyarakat, dan menjadi hal yang tidak asing lagi. Undian berhadiah menjadi salah satu bentuk memperkenankan produk di suatu lembaga, utamanya dalam dunia perbankan. Undian berhadiah dalam bank BNI Syariah dilakukan agar menarik nasabah untuk bertransaksi menggunakan Bank Syariah. Penelitian ini menggunakan metode kualitatif yang berlandaskan teori dan metode literasi. Penelitian ini didasarkan pada hukum yang ada di Al-Qur’an, hadits, dan kaidah-kaidah fikih yang membolehkan undian berhadiah dengan syarat dan ketentuan yang tidak keluar dari ajaran Islam. Dalam riset ini, praktik Undian Berhadiah Tabungan iB Hasanah BNI Syariah adalah nasabah membuka rekening Tabungan iB Hasanah di Bank BNI Syariah KCP Ampel Surabaya dan apabila nasabah telah memiliki saldo minimum atau memenuhi persyaratan untuk mengikuti undian berhadiah maka secara otomatis pihak bank akan memberikan nomor undian untuk diikutkan dalam undian untuk menentukan nasabah mana yang berhak mendapatkan hadiah. Dari penelitian ini, penulis dapat menyimpulkan bahwa praktik undian berhadiah Tabungan iB Hasanah pada Bank BNI Syariah KCP Ampel Surabaya bukanlah merupakan praktik judi (maisir) yang diharamkan oleh Islam karena praktek tersebut tidak memenuhi unsur-unsur judi yaitu adanya pihak yang bertaruh, adanya penentuan pemenang dan dialkukan secara berhadap-hadapan langsung. Kata Kunci : Undian Berhadiah, Bank Syariah, Hadiah
Life Style as Consumer Satisfaction in the Maqāṣid of Islamic Economics Musfiqoh, Siti
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.83-99

Abstract

This study investigates lifestyle as a dimension of consumer satisfaction within the framework of Maqāṣid al-Sharī‘ah in Islamic economics. Using a literature-based analytical approach, the paper critiques conventional economic assumptions of utility and consumer rationality by contrasting them with Islamic normative principles on consumption. It explores how modern lifestyle choices—often shaped by capitalist cultural industries and social expectations—can lead to excessive consumption (isrāf and tabdhīr), diverging from the ethical and spiritual goals of Islamic economic behavior. The analysis emphasizes that true consumer satisfaction in Islam must align with the prioritization of needs (ḍarūriyyāt, ḥājiyyāt, taḥsīniyyāt) rather than desires, promoting holistic well-being across material and spiritual dimensions. This study contributes to global Islamic economics scholarship by offering a normative framework that integrates consumer ethics, spiritual utility, and the maqāṣid-based prioritization of needs. It provides a theoretical alternative to Western-centric models of consumer behavior and introduces Islamic lifestyle moderation as a metric of satisfaction that transcends material utility. Future international research may empirically test the proposed maqāṣid-based satisfaction framework across Muslim societies, explore its implications for ethical consumerism, and develop indices that measure consumption aligned with Islamic values.
Relevansi Prinsip Efisiensi Dan Distribusi Fiskal Abu Yusuf Dalam Kebijakan Fiskal Indonesia: Analisis Komparatif Terhadap Era Purbaya Yudhi Sadewa Hanum, Fathmah; Yazid, Muhammad; Musfiqoh, Siti; Bakhri, Saiful
Moderasi : Journal of Islamic Studies Vol. 5 No. 2 (2025): Desember
Publisher : Lajnah Ta'lif wan Nasyr Nahdlatul Ulama (LTN-NU) Kabupaten Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/moderasi.v5i2.160

Abstract

This study analyzes the relevance of Abu Yusuf's fiscal thought in the context of contemporary Indonesian fiscal policy, particularly during Purbaya Yudhi Sadewa's tenure as Minister of Finance. Indonesia faces a budgetary dilemma between spending efficiency and equitable distribution of fiscal burdens. Through Kitab al-Kharaj, Abu Yusuf offers a conceptual framework that balances economic efficiency with social justice in public financial management. This research employs a qualitative method with a library research approach, analyzing primary sources including Kitab al-Kharaj and secondary sources comprising policy documents and academic literature. Analysis is conducted comparatively-descriptively through three stages: concept identification, principle comparison, and relevance evaluation. Findings reveal fundamental alignment between Abu Yusuf's principles and Purbaya's policies regarding budget allocation efficiency, subsidy control, and welfare orientation. Both approaches emphasize transparency, accountability, and proportionality in state financial management. However, implementing Abu Yusuf's principles in Indonesia still faces structural challenges including inter-regional fiscal distribution inequality, weak accountability enforcement, and minimal ethical dimensions in fiscal policy. This study recommends integrating classical Islamic economic values into Indonesian fiscal policy formulation to strengthen moral foundations and social justice.
Potret Perempuan Fatayat-Muslimat NU Keputih Menggali Penguatan Ekonomi Keluarga dalam Konsepsi Al-Qur’an dan Al-Hadisth Siti Musfiqoh; Rif'iyatul Fahimah; Sukamto Sukamto; M. Fathur Rozi
Edunity Kajian Ilmu Sosial dan Pendidikan Vol. 2 No. 2 (2023): Edunity : Social and Educational Studies
Publisher : PT Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1877.798 KB) | DOI: 10.57096/edunity.v2i2.63

Abstract

Penelitian ini bertujuan untuk menggali penguatan ekonomi keluarga dalam konsepsi Al-Qur'an dan Al-Hadisth pada potret perempuan Fatayat-Muslimat NU keputih. Penelitian ini menggunakan pendekatan kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa perempuan Fatayat-Muslimat NU keputih memiliki peran penting dalam menguatkan ekonomi keluarga. Mereka menerapkan konsep-konsep Al-Qur'an dan Al-Hadisth dalam kegiatan ekonomi sehari-hari, seperti mengelola usaha mikro, menabung, dan membantu keluarga dalam kegiatan produksi. Perempuan Fatayat-Muslimat NU keputih juga memiliki peran sosial dalam membantu masyarakat sekitar dan memperkuat jaringan ekonomi syariah. Dengan demikian, penelitian ini memberikan gambaran tentang bagaimana perempuan Fatayat-Muslimat NU keputih mengaplikasikan konsepsi Al-Qur'an dan Al-Hadisth dalam menguatkan ekonomi keluarga serta peran mereka dalam memperkuat ekonomi syariah di masyarakat.
Model Pemetaan Destinasi Wisata Syariah di Jawa Timur Berbasis Teknologi Blockchain: Pendekatan Smart Halal Tourism Ecosystem Suradi, Amran; Musfiqoh, Siti
Journal of Industrial and Syariah Economics Vol. 3 No. 2 (2026): April
Publisher : Program Studi Ekonomi Syariah STAI Senori Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63321/jise.v3i2.137

Abstract

The development of halal tourism in East Java has shown significant potential, reflected in the growth of religious destinations, Islamic cultural attractions, and a rapidly expanding halal industry. However, the current halal tourism ecosystem faces challenges related to fragmented destination data, limited integration of halal certification, and low transparency of information for visitors. This study aims to formulate a blockchain-based mapping model for halal tourism destinations, designed as a foundation for a Smart Halal Tourism Ecosystem. A mixed-methods approach was applied through ecosystem needs assessment, digital readiness surveys of industry actors, and expert interviews with halal regulators and destination managers. The findings indicate that blockchain can provide a transparent and tamper-proof halal verification system while enhancing the credibility of destination information. The proposed model consists of four core components: the Halal Data Verification Layer, Smart Mapping Layer, User Interaction Layer, and Governance & Regulator Layer. This study contributes theoretically by integrating smart tourism frameworks with halal blockchain architecture and offers practical policy recommendations to strengthen halal tourism governance in East Java.
ZAKAT PRODUKTIF SEBAGAI MEKANISME DISTRIBUSI PENDAPATAN: ANALISIS TRANSFORMASI MUSTAHIK DAN KEBERLANJUTAN EKONOMI DALAM PERSPEKTIF EKONOMI MAKRO ISLAM Dia Nur Avita Sari; Aulia Devi Rahmawati; Siti Musfiqoh
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/52ax1j52

Abstract

This study aims to analyze the role of productive zakat as an income distribution mechanism from the perspective of Islamic macroeconomics. The research employs a descriptive-analytical qualitative method using secondary data obtained from reports published by the National Zakat Agency (BAZNAS). The findings indicate that productive zakat functions as a distribution system through the collection, distribution, and empowerment of mustahik (zakat beneficiaries). the program increases income, supports business development, and promotes economic self-reliance. The sustainability of benefits experienced by mustahik demonstrates that productive zakat contributes to a more equitable distribution of income. therefore, produtive zakat serves as an instrument for achieving economic equity within the framework of islamic economics. Keywords : Productive Zakat, Income Distribution, Economic Suistanability
Free Nutritious Meals as a Constitutional Right: An Ethical and Maqashid Shariah Perspective in Indonesia Putri , Rizki Amalia; Musfiqoh, Siti
Journal of Integrative Sustainability and Ethics Vol. 1 No. 2 (2025): December
Publisher : Master and Doctoral Program in Islamic Economics, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/jibec.2025.1.2.156-165

Abstract

Abstrak: Program Makan Bergizi Gratis (MBG) menjadi salah satu kebijakan strategis pemerintah dalam meningkatkan kualitas sumber daya manusia dan mengatasi persoalan ketimpangan gizi di Indonesia. Namun, implementasi kebijakan ini masih memunculkan perdebatan mengenai posisinya, apakah sebagai bentuk amal sosial (charity) atau sebagai hak konstitusional warga negara (right). Penelitian ini bertujuan menganalisis kebijakan MBG melalui perspektif etika keadilan John Rawls dan maqashid syariah. Penelitian menggunakan metode kualitatif dengan pendekatan normatif-konseptual melalui studi literatur terhadap regulasi, teori keadilan, serta prinsip-prinsip maqashid syariah. Hasil penelitian menunjukkan bahwa kebijakan MBG lebih tepat diposisikan sebagai hak konstitusional daripada sekadar bentuk bantuan sosial. Dalam perspektif Rawls, negara berkewajiban menjamin distribusi kesejahteraan secara adil bagi kelompok rentan, terutama anak-anak dan masyarakat miskin. Sementara itu, dalam maqashid syariah, pemenuhan gizi berkaitan dengan perlindungan jiwa (hifz al-nafs) dan keturunan (hifz al-nasl) sebagai bagian dari tujuan utama syariat. Penempatan MBG sebagai hak konstitusional memiliki implikasi terhadap pentingnya tata kelola kebijakan yang transparan, berkelanjutan, dan berbasis keadilan sosial. Penelitian ini menegaskan bahwa kebijakan pangan bergizi tidak hanya berorientasi pada aspek kesejahteraan, tetapi juga merupakan bentuk tanggung jawab negara dalam memenuhi hak dasar warga negara.   Abstract: The Free Nutritious Meal Program (Makan Bergizi Gratis/MBG) has become one of the Indonesian government’s strategic policies to improve the quality of human resources and address nutritional inequality. However, its implementation has generated debate regarding whether the policy should be positioned as a form of social charity or as a constitutional right of citizens. This study aims to analyze the MBG policy through the perspectives of John Rawls’ theory of justice and maqashid sharia. This research employs a qualitative method with a normative-conceptual approach through literature review of regulations, theories of justice, and principles of maqashid sharia. The findings indicate that the MBG policy is more appropriately positioned as a constitutional right rather than merely a social assistance program. From Rawls’ perspective, the state is obligated to ensure fair distribution of welfare for vulnerable groups, particularly children and low-income communities. Meanwhile, within the framework of maqashid sharia, nutritional fulfillment is closely related to the protection of life (hifz al-nafs) and the protection of future generations (hifz al-nasl) as fundamental objectives of Islamic law. Positioning MBG as a constitutional right has implications for the importance of transparent, sustainable, and socially just policy governance. This study emphasizes that nutritious food policies are not only welfare-oriented programs, but also represent the state’s responsibility to fulfill the basic rights of its citizens.
Co-Authors Abdul Hakim Abdul Hakim Anisa Solikhawati Aulia Devi Rahmawati Ayu Mulyaningsih, Diah CHABIBAH, UMI DIA NUR AVITA SARI Diah Ayu Mulyaningsih Fatimala Nur Fauzi Hakim Abdul, Hakim Hanum, Fathmah Layyinah Layyinah Layyinah, Layyinah Lutfiah, Warda M. Fathur Rozi Muhammad Yazid Nur Fauzi, Fatimala Putri , Rizki Amalia Rif'iyatul Fahimah Saiful Bakhri Solikhawati, Anisa Sukamto . Suradi, Amran Umi Chabibah Warda Lutfiah Wati, Yuli Catur