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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 RACIC : Rab Construction Research al-Afkar, Journal For Islamic Studies Jurnal Pertanian Agros Al-Hikmah Media Dakwah, Komunikasi, Sosial dan Kebudayaan Jurnal Pengabdian Masyarakat Multidisiplin 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 Intelek Insan Cendikia TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah LITERA: Jurnal Ilmiah Multidisiplin Menulis: Jurnal Penelitian Nusantara
Muhammad Yazid
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Panel Data Analysis Study: The Impact of Indonesian Sharia Bank Financing on MSME Output Value 2021-2023 Nur Fitriya Ningsih; Muhammad Yazid
al-Afkar, Journal For Islamic Studies Vol. 8 No. 4 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i4.1778

Abstract

This study aims to analyze the effect of Bank Syariah Indonesia financing on the output value of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia during the 2021-2023 period. Using a panel data approach, this study evaluates the effectiveness of Islamic financing in two main categories: working capital and investment. Data were obtained from the Central Statistics Agency (BPS) and the annual reports of Bank Syariah Indonesia. The results show that working capital financing has a significant positive effect on MSME output value, while investment financing shows a lower effect. Control variables such as Third Party Funds (DPK) and labor also have significant contributions. With a coefficient of determination of 93.04%, this study emphasizes the importance of a more inclusive Islamic financing policy focused on working capital to support MSME productivity. These results provide implications for Islamic banking and policymakers to enhance MSME development through a strategic financing approach.
Crowdfunding Syariah: Model Pembiayaan Alternatif dalam Bingkai Fiqih: Sharia Crowdfunding: An Alternative Financing Model in the Framework of Contemporary Fiqh Muhammad Adi Saputra; 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

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Abstract

Sharia crowdfunding represents one of the innovative developments in Islamic financing systems in the digital era. This model offers an inclusive alternative financing method by involving the public directly in funding productive and social projects. Unlike conventional crowdfunding, Sharia crowdfunding emphasizes the principles of fiqh al-muʿāmalah, such as justice, transparency, and the prohibition of riba (usury), gharar (uncertainty), and maisir (speculation). This study aims to analyze Sharia crowdfunding from the perspective of contemporary Islamic jurisprudence (fiqh kontemporer), examine the contracts applied in its operation, and explore its relevance to the objectives of Islamic law (maqāṣid al-sharīʿah). The research adopts a qualitative, descriptive-analytical approach based on library research. The findings indicate that Sharia crowdfunding can serve as an effective and ethical alternative financing model aligned with Islamic law, provided it adheres to the principles of fairness, transparency, and strong Sharia supervision. Furthermore, it contributes to achieving socio-economic justice and financial inclusion in accordance with Islamic ethical values.
Transformasi Akad Tabarru’, Qardh, dan Rahn dalam Era Digital: Analisis Fikih atas Tradisi Ringgit Emas Masyarakat Makassar: The Transformation of Tabarru’, Qardh, and Rahn Contracts in the Digital Era: A Fiqh Analysis of the Ringgit Emas Tradition in Makassar Society Nurul Husna; Muhammad Yazid
TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Vol. 2 No. 4 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah
Publisher : Litera Academica Publishing

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Abstract

Ringgit Emas is a traditional debt-based practice in Makassar society rooted in trust and communal values. However, the rise of digital economics and the transformation of Islamic financial systems necessitate a renewed analysis of the underlying contracts, particularly tabarru’, qardh, and rahn. This study aims to examine the Ringgit Emas tradition through the lens of classical Islamic jurisprudence and assess its relevance within the ecosystem of digital Islamic finance. This research employs a qualitative-descriptive approach supported by literature review and normative analysis. The findings reveal that Ringgit Emas embodies the spirit of mutual assistance (tabarru’) aligned with the objectives of Islamic law (maqāṣid al-syarī‘ah), yet its practice often shifts toward burdensome and inequitable arrangements. In the digital context, qardh and rahn have undergone significant transformation through Islamic fintech platforms, digital gold collateral systems, and enhanced technology-based security mechanisms. This study concludes that Ringgit Emas can remain culturally preserved as long as its contracts are reconstructed to be more transparent, fair, and compatible with modern Islamic financial principles.
Tinjauan Fiqh Muamalah terhadap Budaya Flexing dan Self reward di Media Sosial pada Gen Z Eva Nur Hidayati; Muhammad Yazid
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 2 No. 6 (2025): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v2i6.7344

Abstract

Studi ini mengkaji pengaruh budaya pamer dan penghargaan diri yang semakin besar terhadap pola konsumsi Generasi Z di media sosial. Tujuan penelitian ini adalah untuk menjelaskan bagaimana hukum perdagangan Islam (fiqh muamalah) memandang fenomena ini dan menilai keselarasannya dengan prinsip-prinsip Islam tentang pengelolaan kekayaan. Studi ini menggunakan metode kualitatif melalui penelitian kepustakaan dengan meninjau literatur terkait fiqh muamalah, perilaku konsumtif, dan penggunaan media sosial. Temuan penelitian menunjukkan bahwa pamer dan penghargaan diri sering kali mengarah pada konsumsi berlebihan yang didorong oleh citra diri dan kepuasan sesaat daripada kebutuhan yang sebenarnya. Praktik-praktik ini bertentangan dengan prinsip israf dan tabdzir, yang menekankan penggunaan kekayaan secara bijaksana, seimbang, dan bermanfaat. Penelitian ini memberikan pandangan normatif bahwa konsumsi yang dipengaruhi oleh media sosial harus tetap selaras dengan nilai-nilai Islam.
ANALISIS FIQIH MUAMALAH KONTEMPORER TERHADAP TREN BANK EMAS DIGITAL STUDI PADA LAYANAN BANK EMAS DI APLIKASI BYOND BY BSI ARIFAH DWI AGUSTINA; Muhammad Yazid
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/jse.v5i1.2832

Abstract

The digital Gold Bank service from Bank Syariah Indonesia (BSI) presents a sharia-compliant gold investment innovation that makes it easier for people to access, buy, sell, and transfer gold digitally through the BSI Mobile application. This product is designed in accordance with sharia principles, using clear contracts such as murabahah and wadiah, and is supervised by the Financial Services Authority (OJK) and the Sharia Supervisory Board (DPS) to ensure the halal status and certainty of gold ownership. The use of digital technology supports increased sharia financial literacy and inclusion, offering easy access, security, and efficiency in gold transactions without the need to store physical gold directly. While offering potential stability and investment benefits for the Muslim community, this service faces challenges such as annual administration fees, taxes on gold transactions, and the need for further education regarding financial technology. Overall, BSI Gold Bank is a modern solution that is relevant to the contemporary Islamic economic and financial context, while also supporting the achievement of the maqasid sharia objectives of wealth preservation and economic justice.
Kajian teoritis akad wakalah dalam perspektif ekonomi syariah Syafii, hesuinsa; Idatul Fitria; Muhammad Yazid
Al-muamalah Vol 11 No 2 (2025): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/muamalah.v11i2.32458

Abstract

Akad wakalah merupakan akad dalam fikih muamalah yang mengatur pemberian kuasa dari satu pihak kepada pihak lain untuk melakukan tindakan hukum sesuai ketentuan syariat Islam. Dalam praktik ekonomi syariah, wakalah banyak diterapkan pada sektor perbankan dan jasa keuangan sebagai sarana untuk mempermudah transaksi dan meningkatkan efisiensi. Kajian ini membahas konsep wakalah melalui studi pustaka dengan menelaah literatur fikih muamalah dan ekonomi syariah, meliputi definisi, dasar hukum, serta rukun dan syarat pelaksanaannya. Pembahasan juga menekankan pentingnya penerapan wakalah yang sesuai dengan nilai-nilai syariah agar terhindar dari penyalahgunaan wewenang dan ketidakjelasan akad. Pemahaman yang baik terhadap wakalah diharapkan mampu memperkuat kedudukannya sebagai instrumen penting dalam sistem ekonomi syariah serta menjadi pedoman bagi praktik yang profesional dan berorientasi pada kemaslahatan.
Co-Authors Abdullah Agustina Bidarti Ahmad Kurnain, Ahmad Ahmad Mujahid Ahmad Qhodiri Ahmad Sempurna Ainin Nafisah Luthfiani Aiyuda, Nurul Al Hafis Liontin ARDIANSYAH, JEFRI ARIFAH DWI AGUSTINA Bacharuddin Abdillah Bahrul Hikam, Muhammad BAMBANG SUPENO Bayu Suseno Budi Fachrudin Defy Angrainy H Dessy Adriani Dessy Adriani Doni Rinaldi Basri Edwin Hermawan El Nadia, Nada Endah Wahyuningsih Enen Wijayanti Erni Purbiyanti, Erni Eva Nur Hidayati Fachry Abda El Rahman Febri Felizha Mustofah Fournita Agustina Hesti Asriwandari Husaini, Rizki Ramadhan Husni Mubarak Idatul Fitria Imron Zahri Indah Ananda Putri Ira Puspita Sar Irham Ritonga Islami, Deri Ismalia Afiani Hasbullah Isnaini Maulidatu Nisa’ Januarti, Indri Jum'ah, Jum'ah Kenepri Kenepri 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 Muhammad Defri Wahyudi Muhammad Fajar Anugrah Muhammad Hanif Ahda Muhammad Ihsan Muhtadiah Hasibuan Najib Asmani Nur Fitriya Ningsih Nurul Fatma Hasan Nurul Husna Pratikto, Muhammad Iqbal Surya Rahmat Tisnawan Rahmawati Raihan Maulana Rizka Nabilah Al-Wakhidah Rizqi Zulfa Qatrunnada Rudi Salam Salamun Salamun Siti Juariah Sukri Sukri Syafii, hesuinsa Tafarini, Meitry Firdha Teddy Julio Gunawan Tri Ramadani Valzon, May Winda Kustiawan Yunita Yunita yunita Zainun