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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.