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All Journal MANAJEMEN HUTAN TROPIKA Journal of Tropical Forest Management Jurnal Ilmu Pertanian Indonesia Jurnal Ilmiah Psikologi Terapan AGRIPITA: Jurnal Agribisnis dan Pembangunan Pertanian Jurnal Lahan Suboptimal Jurnal Online Mahasiswa (JOM) Bidang Ilmu Sosial dan Ilmu Politik Muamalah Jurnal Ilmiah Ekonomi Islam al-Afkar, Journal For Islamic Studies Jurnal Pertanian Agros Al-Hikmah Media Dakwah, Komunikasi, Sosial dan Kebudayaan El-Qist : Journal of Islamic Economics and Business (JIEB) Journal of Civil Engineering and Planning (JCEP) Jurnal Dakwah dan Komunikasi SRIWIJAYA JOURNAL OF ENVIRONMENT KaliAgri Journal: Jurnal Agribisnis QULUBANA: Jurnal Manajemen Dakwah AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Al-Maqashid: Journal of Economics and Islamic Business Jurnal Teknologi & Rekayasa Sipil Center of Economic Students Journal (CSEJ) JSE: Jurnal Sharia Economica RESLAJ: Religion Education Social Laa Roiba Journal Jurnal As-Syar’i: Jurnal Bimbingan & Konseling Keluarga EduInovasi: Journal of Basic Educational Studies SUMUR ( Jurnal Sosial Humaniora) JURNAL MULTIDISIPLIN ILMU AKADEMIK JURNAL RUMPUN MANAJEMEN DAN EKONOMI Jurnal Ekonomika dan Bisnis Jurnal Intelek Insan Cendikia TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah LITERA: Jurnal Ilmiah Multidisiplin Menulis: Jurnal Penelitian Nusantara
Muhammad Yazid
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Public Health Social Sciences Transportation Other

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Pekanbaru Town Square Development With Concept Mix Use Building (Shopping Mall, Hotel, Condotel, Convention, Sport Centre) Kurnain, Ahmad; Bambang Supeno; Muhammad Yazid; Rahmat Tisnawan; Rizki Ramadhan Husaini
Journal of Civil Engineering and Planning (JCEP) Vol. 6 No. 1 (2025)
Publisher : Program Studi Sarjana Teknik Sipil Universitas Internasional Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/jcep.v6i1.10106

Abstract

This study assesses the financial feasibility of a privately financed infrastructure project under a Build-Operate-Transfer (BOT) scheme with a total investment of USD 76 million. The investment is distributed over a three-year construction phase, followed by a 30- to 60-year operation period generating annual net profits of USD 8.64 million. Key financial metrics including Net Present Value (NPV) and Internal Rate of Return (IRR) are utilized to evaluate the project. The results indicate a negative NPV of approximately USD -14.85 million for a 30-year operation, suggesting the project is not viable under a conservative time horizon. However, extending the operation to 60 years yields a positive NPV of USD +23.8 million and an estimated IRR of 11.7%, surpassing the assumed discount rate of 10%. These findings highlight the importance of operational duration in BOT projects and suggest that long-term operation is essential to achieve financial sustainability. Recommendations include extending the concession period and optimizing cost structures to enhance investment attractiveness.
Hubungan Penganguran dan Pertumbuhan Ekonomi dalam Perspektif Islam Lutfiya; Muhammad Yazid
Center of Economic Students Journal Vol. 8 No. 2 (2025): April-June (2025)
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56750/csej.v8i2.1106

Abstract

Pengangguran merupakan masalah ekonomi dan sosial yang berkaitan dengan pertumbuhan ekonomi suatu negara yang perlu ditangani, dengan jumlah penduduk yang terus bertambah, sehingga jumlah tenaga kerja terus bertambah setiap tahunnya. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana hubungan antara pengangguran dan pertumbuhan ekonomi dalam perspektif Islam. Metode penelitian yang digunakan dalam penelitian ini adalah jenis penelitian kepustakaan (libary research), yaitu data dan bahan kajian yang digunakan berasal dari sumber-sumber kepustakaan, baik berupa jurnal atau buku-buku. Hasil penelitian ini bahwa pengangguran dan pertumbuhan ekonomi memiliki hubungan yang signifikan. Tingkat pengangguran merupakan salah satu indikator pertumbuhan ekonomi. Pengangguran merupakan masalah yang sulit diatasi oleh suatu negara atau wilayah karena dapat menimbulkan masalah sosial dan ekonomi. Islam merespon pengangguran dan memberikan solusi dengan cara memperbanyak dan mendatangkan investasi halal untuk dikembangkan di dunia nyata baik di bidang pertanian dan kehutanan, kelautan, dan pertambangan serta meningkatkan volume perdagangan, serta negara harus menyediakan lapangan pekerjaan.
Investigasi Kualitatif pada Faktor-faktor yang Mendorong Minat Masyarakat terhadap Penggunaan Bank Syariah di Indonesia: A Qualitative Investigation of the Factors Driving Public Interest in the Use of Sharia Bank in Indonesia Rizka Nabilah Al-Wakhidah; Muhammad Yazid
AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam Vol. 5 No. 1 (2025): AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar, IndonesiaInstitut Agama Islam STIBA Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/al-khiyar.v5i1.1823

Abstract

Islamic banking is present as a solution to the conventional banking system, by offering products that are in accordance with Islamic principles, Islamic banking has succesfully developed in Indonesia. This research aims to identify the factors that drive people’s interest in using the products. Using a qualitative approach, this study collected data trhough interviews with informants who have experience or interest in Islamic banking products. The results show that the factors that influence people’s interest in using Islamic bank products and services are driven by the awareness of halal principles and the concept of usury, people are also very satisfied with the administrative costs wich are considered lower than the administration of conventional banks. In addition, the variety of Islamic bank products has also succeesed in attracking public attention. This has a positive impact on the national economy. However, the level of public understanding of these products still needs to be improved. Some complex Islamic products are often insufficiently understood by the general public, therefore, more intensive education is needed tp maximize the utilization of sharia financial products.
Prinsip Dasar Operasional Perbankan Syariah Nur Izzati; Muhammad Yazid
Al-Maqashid: Journal of Economics and Islamic Business Vol. 4 No. 1 (2024): 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.v4i1.457

Abstract

Banking fundamentals play an important role as a framework for all transactions in the field of Islamic finance, including muamalah. Free maghrib (maysir, gharar, haram, usury, and batil), trust and prudence in the administration of Islamic financial activities, and contract-based principles are the basic principles of Islamic finance. These three guidelines should be followed in various activities as they are based on Islamic sharia and the Qur'an and Hadith
FIQH MUAMALAH DALAM ERA CRYPTOCURRENCY: TINJAUAN HUKUM ISLAM KONTEMPORER Rahmawati; Muhammad Yazid
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 2 No. 6 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v2i6.6898

Abstract

This study aims to analyze the perspective of fiqh muamalah and contemporary Islamic law on the use of cryptocurrency in the modern economic system. The rapid advancement of digital technology has led to the emergence of cryptocurrencies such as Bitcoin, Ethereum, and other digital assets that function as means of payment and investment instruments. The main advantage of cryptocurrency lies in its decentralized system and the use of blockchain technology, which ensures security and transparency of transactions without the involvement of third parties. However, from an Islamic perspective, the use of cryptocurrency remains controversial due to the presence of gharar (uncertainty), maysir (speculation), and dharar (harm), arising from high price volatility, the absence of real asset backing, and its potential misuse for illegal activities. This research employs a qualitative descriptive method through a literature review of various scholarly sources, fatwas issued by the Indonesian Ulema Council (MUI), and opinions of contemporary Islamic scholars. The results indicate that most scholars view cryptocurrency as not meeting the criteria of a legitimate medium of exchange in Islam because it lacks intrinsic value and official recognition by state authorities. Nonetheless, Islam does not reject technological innovation as long as it aligns with sharia principles. Therefore, cryptocurrency may be acceptable if it is properly regulated, backed by tangible assets, and adheres to the principles of justice, transparency, and security in accordance with the objectives of maqāṣid al-sharī‘ah to preserve public welfare.
Implementasi Digitalisasi pada BMT dalam Meningkatkan Efisiensi Layanan Keuangan Syariah: Implementation of Digitalization in BMT to Increase the Efficiency of Sharia Financial Services Raihan Maulana; Muhammad Yazid
TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 3 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah
Publisher : Litera Academica Publishing

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

Abstract

The rapid advancement of digital technology has significantly transformed the landscape of Islamic financial institutions, including Baitul Maal wat Tamwil (BMT), which serves as a microfinance intermediary for empowering Muslim communities. This study aims to analyze the implementation of digitalization in BMT operations to improve the efficiency and accessibility of Islamic financial services. Using a qualitative descriptive approach, data were collected through interviews, documentation, and observation of several BMTs that have adopted digital platforms in their financial management systems. The findings indicate that digitalization enhances operational efficiency by streamlining transaction processes, improving financial reporting accuracy, and expanding service coverage through mobile and online applications. However, challenges such as limited digital literacy, infrastructure constraints, and data security concerns remain obstacles to optimal implementation. The study concludes that successful digital transformation in BMT requires not only technological adoption but also human resource development and regulatory support from related institutions. The results of this research contribute to the development of Islamic microfinance management theory and provide practical insights for policymakers and BMT practitioners in promoting inclusive and efficient Sharia-based financial services.
Fikih Muamalah dan Era Industri 5.0: Menata Transaksi Ekonomi Digital Berbasis Syariah: Fiqh Al-Muamalah and the Industry 5.0 Era: Structuring Digital Economic Transactions on a Shariah Basis M. Argha Isdhihar Al Qutsam Sandya Aziz; Muhammad Yazid
TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 3 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah
Publisher : Litera Academica Publishing

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

Abstract

This study aims to analyze the dynamics of applying Islamic jurisprudence (fiqh muamalah) principles within the digital economy framework in the era of Industry 5.0. The research employs a qualitative descriptive approach through library research and content analysis of primary and secondary academic sources published between 2015 and 2025. The findings reveal that economic digitalization does not alter the essence of contractual principles in Islamic law; instead, it modifies their form and implementation to align with technological advancement. Core Islamic principles such as akad (contract), riba (usury), gharar (uncertainty), and maisir (speculation) remain the normative foundation guiding digital financial transactions toward justice, transparency, and ethical integrity. The study also highlights the crucial roles of financial authorities such as Indonesia’s Financial Services Authority (OJK) and Bank Indonesia, in collaboration with religious bodies like the National Sharia Council (DSN-MUI), in developing a digital financial ecosystem rooted in Islamic values. The synergy between regulators and religious authorities ensures that the digital economy evolves sustainably with ethical and equitable orientations. These findings affirm that fiqh muamalah possesses strong adaptability to technological innovation while maintaining the moral integrity of Islamic economic systems in the digital transformation era.
Uang Elektronik dan Zakat: Kajian Fiqih Kontemporer atas Instrumen Digital dalam Ibadah Harta: Electronic Money and Zakat: Contemporary Fiqh Study on Digital Instruments in Wealth Worship Mochamad Davin Hukama; Muhammad Yazid
TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 3 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah
Publisher : Litera Academica Publishing

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

Abstract

The rapid development of digital finance has led to new fiqh questions, particularly regarding the use of electronic money (e-money) and its relationship with zakat obligations. This study aims to analyze the position of e-money in Islamic jurisprudence and its zakat implications as a contemporary form of wealth. The method used is a qualitative library research approach with normative and maqashid al-sharia analysis. The findings reveal that e-money constitutes valuable property (mal) subject to zakat when it meets the criteria of ownership, nisab, and haul. Digital zakat platforms also contribute to greater accessibility and transparency in zakat collection and distribution.
Pola Komunikasi Keluarga dalam Pembentukan Karakter Anak Irham Ritonga; Muhammad Yazid; Lahmuddin
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 11 (2024): RESLAJ: Religion Education Social Laa Roiba Journal 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i11.3883

Abstract

This article discusses the role of family communication in shaping children's character, as it is known that communication is very important in human life, especially in the family. By communicating, people will understand each other. Through communication, people can also share experiences and learn to solve various problems in life. Without communication, it is like living in isolation so that people will not be able to solve the various life problems they experience. Therefore, even though the family is a group with the strongest social ties, if communication within the family does not run smoothly and intensively, then it can certainly greatly affect various matters concerning the development and growth and progress of the family. The results of the study prove that it is true that family communication plays a significant role in improving human resources, especially in terms of children's character building.
Implementasi Akad Mudharabah Mutlaqah Pada Tabungan Haji IB Amanah Terhadap Profitabilitas PT Bank Pembangunan Daerah Jawa Timur Tbk. El Nadia, Nada; Masadah; Muhammad Yazid; Muhammad Iqbal Surya Pratikto; Nurul Fatma Hasan
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.2023.13.1.16-34

Abstract

This study explores the implementation of mudharabah mutlaqah contracts in the IB Amanah Hajj Savings product offered by the Islamic Business Unit of Bank Jatim, and its contribution to the bank’s profitability. Using a qualitative descriptive approach, field data were collected through interviews, observation, and document analysis at Bank Jatim KCPS Sampang. The findings reveal that the application of mudharabah mutlaqah aligns with the DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000 and enables the bank to profit from Hajj deposits while maintaining Sharia compliance. Over the period 2019–2021, IB Amanah contributed between 1.25% and 1.31% to the bank's net profit, with a 90:10 profit-sharing ratio favoring the bank. The study contributes to the global Islamic finance literature by demonstrating how long-term religious savings products can support the financial sustainability of regional Islamic banking institutions. It also offers a practical framework for integrating Sharia contracts into public savings mechanisms without compromising operational profitability. This case can inform international practices, especially in Muslim-majority economies aiming to optimize Hajj fund management through ethical investment strategies. Future research could compare mudharabah-based Hajj savings with other contract models (e.g., wadi’ah) across jurisdictions to assess risk-sharing efficiency and depositor trust in Islamic financial institutions.
Co-Authors Abdullah Aghnina Ilmaya Faza Agustina Bidarti Ahmad Kurnain, Ahmad Ahmad Mujahid Ahmad Qhodiri Ahmad Sempurna Ainin Nafisah Luthfiani Aiyuda, Nurul ARDIANSYAH, JEFRI ARIFAH DWI AGUSTINA Bacharuddin Abdillah Bahrul Hikam, Muhammad BAMBANG SUPENO Bayu Suseno Budi Fachrudin Defy Angrainy H Dessy Adriani Dessy Adriani Edwin Hermawan El Nadia, Nada Endah Wahyuningsih Enen Wijayanti Erni Purbiyanti, Erni Eva Nur Hidayati Febri Felizha Mustofah Fournita Agustina Hesti Asriwandari Husaini, Rizki Ramadhan Idatul Fitria Imron Zahri Indah Ananda Putri Ira Puspita Sar Irham Ritonga Ismalia Afiani Hasbullah Isnaini Maulidatu Nisa’ Januarti, Indri Jum'ah, Jum'ah Lahmuddin Laily Muharani lestari, Suci Shinta Lukmana, Lukmana Lutfiya M. Argha Isdhihar Al Qutsam Sandya Aziz MASADAH Mhd Darul Amin Sitorus Mochamad Davin Hukama Moh. Rasyid Ridho Mohd. Aamiin Abbas Muhammad Adi Saputra Muhammad Al Amin Muhtadiah Hasibuan Najib Asmani Nur Fitriya Ningsih Nur Izzati Nurul Fatma Hasan Nurul Husna Pratikto, Muhammad Iqbal Surya Rahmat Tisnawan Rahmawati Raihan Maulana Rizka Nabilah Al-Wakhidah Rizqi Zulfa Qatrunnada Rudi Salam Syafii, hesuinsa Tafarini, Meitry Firdha Winda Kustiawan Yunita Yunita yunita Zainun