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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam El Dinar Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal QIEMA (Qomaruddin Islamic Economics Magazine) JES (Jurnal Ekonomi Syariah El-Qist : Journal of Islamic Economics and Business (JIEB) ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Ekonomi dan Bisnis Islam (JEBI) Al Fiddhoh: Journal of Banking, Insurance, and Finance EKONOMIKA SYARIAH : Journal of Economic Studies Maliki Islamic Economics Journal Jurnal Riset Perbankan Syariah SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Sharef: Journal of Sharia Economics and Finance Ecobankers : Journal of Economy and Banking Jurnal Ekonomi, Manajemen, Akuntansi Reflektika
Muhammad Yazid
Fakultas Ekonomi Dan Bisnis Islam, UIN Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Humanities 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 Other

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KONSEP HALAL LIFESTYLE MENURUT AL-GHAZALI DAN IBN KHALDUN: STUDI KOMPARATIF DALAM PERSPEKTIF EKONOMI ISLAM Faza Nazlatuz Zahira; Muhammad Yazid; Abdur Rohman Rohman
Reflektika Vol. 21 No. 1 (2026)
Publisher : Universitas Al-Amien Prenduan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/reflektika.v21i1.2757

Abstract

The development of halal lifestyle in recent years shows the expansion of the meaning of religious practices into part of the global halal lifestyle and industry. On the other hand, various studies show that Muslim consumption practices are still influenced by consumptive behavior and symbolic orientation towards halal products, so that a conceptual study of halal lifestyle is needed from an Islamic economic perspective. This study aims to comparatively analyze the concept of halal lifestyle according to Al-Ghazali and Ibn Khaldun and to compile a conceptual synthesis relevant to the development of halal lifestyle from an Islamic economic perspective. This study uses a qualitative approach with library research. The unit of analysis is the concepts of halal lifestyle in the books Ihya' Ulum al-Din by Al-Ghazali and Muqaddimah by Ibn Khaldun. Data were analyzed using qualitative content analysis through a descriptive-comparative approach with textual hermeneutic interpretation. The results show that Al-Ghazali emphasizes qana'ah and zuhud as internal control mechanisms for consumption behavior, while Ibn Khaldun emphasizes external control through the rejection of tarafu' to maintain the sustainability of 'umran. The synthesis of these two perspectives produces a Value-Based Halal Lifestyle Model that integrates individual ethical dimensions and socio-civilizational dimensions as a conceptual framework in developing halal lifestyle studies from an Islamic economic perspective
Analisis Pengaruh Penyaluran Zakat Terhadap Kesejahteraan Mustahik di Kabupaten Gresik Ahmad Zaidan Fanani; Muhammad yazid
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 4 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i4.32276

Abstract

Penelitian ini bertujuan menganalisis pengaruh penyaluran zakat terhadap kesejahteraan mustahik di Kabupaten Gresik. Menggunakan pendekatan kuantitatif dengan 50 responden mustahik penerima zakat BAZNAS Kabupaten Gresik, data primer kuesioner kesejahteraan (variabel Y) dikombinasikan dengan data sekunder penyaluran zakat (variabel X). Analisis regresi linier sederhana (Y = a + bX) menghasilkan persamaan Y = 22.560 + 7.260X dengan R² = 0.944 dan t-hitung = 28.478 (p < 0,05). Hasil membuktikan bahwa penyaluran zakat berpengaruh positif dan signifikan terhadap kesejahteraan mustahik di Kabupaten Gresik, dimana setiap penambahan Rp 1 juta zakat yang diterima meningkatkan skor kesejahteraan sebesar 7.260 poin. Kata kunci: Zakat, Penyaluran Zakat, Kesejahteraan Mustahik, BAZNAS, Ekonomi Islam
The Efficiency of KSPPS BMT UGT Nusantara Branches in East Java using Data Envelopment Analysis (DEA) Period 2018-2022 Jaudat Iqbal Harris; Sirajul Arifin; Muhammad Yazid
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i1.8485

Abstract

Performance assessment of Islamic financial institutions such as KSPPS BMT UGT Nusantara is crucial to ensure optimal resource utilisation and improved customer service. This study evaluates the efficiency of several branches of KSPPS BMT UGT Nusantara in East Java from 2018 to 2022 using the Data Envelopment Analysis (DEA) approach. Input variables include the number of employees, total assets, and operational costs, while output variables encompass the number of customers, total financing, and total income. The results show that during the 2018-2022 period, many branches of BMT UGT Nusantara had not yet reached optimal scale, although some had achieved efficiency levels in both production and intermediation approaches. In the production approach, 50% of branches achieved technical efficiency, pure technical efficiency, and scale efficiency, while in the intermediation approach, 55% of branches achieved the same efficiency levels. To address inefficiencies, recommended strategies include: adjusting the number of employees according to actual needs; reducing excessive operational costs by identifying and eliminating unnecessary expenses; and managing assets more effectively by reinvesting in revenue-generating activities.
Bank Syariah dan Produk Pembiayaan: Analisis Implementasi dan Tantangan di Indonesia Adzkia Nabila; Muhammad Yazid
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 3 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : LPPM STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i3.490

Abstract

Sharia banks are financial institutions that operate based on Islamic legal principles that prohibit usury (riba), gharar (gharar), and maysir (gambling). This study aims to analyze the implementation of financing products in Sharia banks in Indonesia, identify the challenges faced, and evaluate their role in promoting Islamic-based economic growth. The research method used is a literature review with a descriptive-analytical approach. Data were collected from various secondary sources, including books, scientific journals, Sharia banking regulations, and financial reports of Sharia banks in Indonesia. The results show that Sharia bank financing products in Indonesia include murabahah, mudharabah, musyarakah, ijarah, and istishna, each with its own characteristics and mechanisms. Murabahah still dominates the Sharia bank financing portfolio, reaching more than 60 percent of total financing. The main challenges faced include low public Sharia financial literacy, limited competent human resources, and competition with conventional banks. This study concludes that strengthening regulations, improving education, and product innovation are key to the sustainability of Sharia banks in Indonesia.
Analisis Hukum E-Wallet: Ditinjau dalam Perspektif Syari’ah dan Implikasi Ekonomi Anugra Dwi Setiadama; Muhammad Yazid
Sharef: Journal of Sharia Economics and Finance Vol 4 No 1 (2026): Journal of Sharia Economics and Finance Vol. 4 No. 1 (2026)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jsef.v4i1.1707

Abstract

Penelitian ini bertujuan menganalisis hukum E-Wallet (Dompet Digital) dalam perspektif Syariah dan implikasi ekonominya. Di era transformasi digital, E-Wallet menjadi inovasi fintech yang signifikan, menawarkan kemudahan dan efisiensi transaksi. Metode yang digunakan adalah penelitian kualitatif dengan jenis Library Research (kepustakaan), mengumpulkan data sekunder dari jurnal, artikel, dan buku terkait. Hasil penelitian menunjukkan bahwa mekanisme transaksi E-Wallet dapat menggunakan akad wadi'ah (titipan) atau qardh (pinjaman), namun cenderung dianggap sebagai qardh karena dana pengguna dimanfaatkan penerbit. Penggunaan E-Wallet wajib terhindar dari riba, gharar, dan maysir. Pemberian cashback atau diskon diperbolehkan jika murni sebagai hadiah atau promosi, bukan syarat pinjaman yang termasuk riba qardh. Secara ekonomi, kemudahan E-Wallet memperkuat perilaku impulsive buying dan mendorong konsumerisme (israf), yang bertentangan dengan etika konsumsi Syariah. Namun, adopsi E-Wallet meningkatkan kontribusi PDB Digital dan efisiensi ekonomi. Saran yang diberikan adalah perlunya upaya berkelanjutan untuk memperluas jangkauan layanan ke luar Pulau Jawa dan meningkatkan keamanan siber.
Co-Authors Abdullah Faqihuddin Abdur Rohman Rohman Adzkia Nabila Agustin Mila Arlina Ahmad Agus Hidayat Ahmad Zaidan Fanani Aji Prasetyo alfi khoirin nisa Alfina Lailatul Fitriyah Alifatul Mujahadah Alysia Qotrunnada Anugra Dwi Setiadama Dian Aprissa Dyah Ayu Sekar Sukmaningrum Faza Nazlatuz Zahira Ika Nazilatur Rosida Jasmine Annisa Putri Cahyono Jasmine Farikha Kumala Jaudat Iqbal Harris Masadah Moch Rusydan Al Mirza Mustofa Mustofa Nada El Nadia Nurul Fatma Hasan Pratikto, Muhammad Iqbal Surya Samsul Muarif Satria Yudha Bimantara Sirajul Arifin Walid In'am Ahmad Yulia Kurnia Firdausia