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All Journal Al-Manahij: Jurnal Kajian Hukum Islam Paradigma: Jurnal Masalah Sosial, Politik, dan Kebijakan JURNAL MAHKAMAH Jurnal Ilmiah Ekonomi Islam Syi'ar Iqtishadi JURNAL PENDIDIKAN TAMBUSAI HUMANISMA : Journal of Gender Studies EKONOMIKA SYARIAH : Journal of Economic Studies JURNAL EKONOMI SAKTI (JES) Turast: Jurnal Penelitian dan Pengabdian Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Kajian dan Pengembangan Umat SOCIAL : Jurnal Inovasi Pendidikan IPS JURNAL ILMIAH GLOBAL EDUCATION Bima Journal : Business, Management and Accounting Journal INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Islamiconomic: Jurnal Ekonomi Islam Al-Manahij : Jurnal Kajian Hukum Islam Proceeding of The International Conference on Economics and Business Jurnal Fuaduna: Jurnal Kajian Keagamaan dan Kemasyarakatan HUMANISMA : Journal of Gender Studies EKONOMIKA SYARIAH : Journal of Economic Studies Al Hurriyah : Jurnal Hukum Islam ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Proceedings of The International Conference on Business and Economics Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Indonesian Research Journal on Education Socius: Social Sciences Research Journal Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Multidisiplin Indonesia JIMEK Jurnal Ilmiah Manajemen Dan Kewirausahaan PALASTREN: Jurnal Studi Gender INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Alfin, Aidil
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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Analysis Of Taqiyuddin An-Nabhani's Thoughts On The Use Of Fiat Money And Its Impact On The Real Economy Rianti, Mila; Izmuddin, Iiz; Alfin, Aidil; Rusyaida, Rusyaida
Jurnal Kajian dan Pengembangan Umat Vol 8, No 2 (2025):Vol. 8, No. 2 Desember 2025
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31869/jkpu.v8i2.7451

Abstract

The development of the modern monetary system has undergone a major transformation, particularly with the adoption of fiat money as the primary medium of exchange. Fiat money, or paper money that is not backed by physical assets such as gold and silver, became the global standard after the collapse of the Bretton Woods system in 1971. Although this system offers flexibility in monetary policy, the use of fiat money also raises various economic problems, especially those related to inflation, exchange rate instability, and recurring financial crises. In An-Nabhani's view, the modern monetary system based on fiat money is part of an unfair global capitalist order that has the potential to cause economic instability, inflation, and inequality in the distribution of wealth. He emphasizes that only an Islamic monetary system based on the dinar (gold) and dirham (silver) can achieve economic justice and exchange rate stability. This study uses a qualitative approach with a library research method. The sources of analysis were obtained from several books, news articles, and scientific articles (accessible online through platforms and Google Scholar). In this context, it is important to have the ability to collect, document, and analyze findings relevant to the topic of this study. This study aims to analyze Taqiyuddin An-Nabhani's thoughts on the use of fiat money (paper money without the backing of real assets such as gold and silver) and its impact on the real economy. The results of the analysis show that fiat money opens the door to currency manipulation, excessive money creation (fiat money expansion), and speculation that is detrimental to the real sector, such as agriculture, trade, and industry. Conversely, according to An-Nabhani, a gold and silver-based monetary system will strengthen the real sector through exchange rate stability, encourage fair trade, and maintain people's purchasing power. This study recommends an evaluation of the fiat money system and opens up space for discussion on alternative sharia-based monetary systems in the era of the global economy.
Analysis of Community Preferences in Islamic Banking Denata, Betria; Izmuddin, Iiz; Zuwardi, Zuwardi; Alfin, Aidil
International Journal of Education, Information Technology, and Others Vol 8 No 4 (2025): International Journal of Education, information technology   and others
Publisher : Peneliti.net

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Abstract

Sharia banking in Nagari Malalak Timur has great potential, but the community still actively uses conventional banks, and only a few choose sharia banks as their primary option for financial transactions. This low level of interest is due to a lack of understanding of Islamic principles, limited access to Islamic bank branches, and the perception that Islamic products are more complicated and expensive than conventional banks. The purpose of this study is to identify and analyze the level of understanding of the people of Nagari Malalak Timur regarding Islamic banking products and services, as well as the reasons for choosing conventional banks. This study uses a qualitative approach, with a descriptive qualitative research type. The research location was in East Malalak Village, Malalak District, Agam Regency. Data collection techniques used observation, interviews, and documentation. Data analysis techniques used data reduction, data presentation, and verification or conclusions. The results of the study in Nagari Malalak Timur show that the community's preference for Islamic banks is still low. Influencing factors include limited knowledge, the habit of using conventional banks, and difficult location and accessibility. The community finds it difficult to understand the concept of Islamic banking and prefers conventional banks because of familiarity. To increase the use of Islamic banks, there needs to be an effort to raise awareness and open branches in the area.
SPECIFIC TRADES AND PROHIBITED TRADES Aidil Alfin; Maisaroh, Panawirawan
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 1 No. 11 (2024): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Abstract

Purpose This research discusses special buying and selling that is prohibited in the perspective of fiqh muamalah. Basically, Islam itself allows buying and selling anything as long as it does not conflict with shara' law. But the fact is that there are still many people who do not know the special buying and selling that is prohibited in Islam. this research uses qualitative methods because this type of research is in the form of literature, related journals and reading books. Then the search results are analyzed qualitatively and described with the intention of obtaining an explanation as intended in the discussion. Based on the study obtained are: 1) special buying and selling, among others; bai' wafa, bai taqsith (buying and selling), bay istighlal, bay'tawarruq, bay muallaq, bay urbun, bay mua'tah. 2) Prohibited trades include; bai'al 'inah, gharar trade, najasy trade, fudhuli trade, munazabah trade, mulamasah trade, hashah trade, habalul hablah trade, bay'ah fi bai'atain, bay dayn bi al-dayn, ihtikar, talaqqi rukban, hadhir libad, ghabn in price.
Analisis Strategi Pengelolaan Destinasi Wisata Danau Tarusan Kamang dalam Perspektif Islam Ifriyansyah, Muhammad Fajar; Puteri, Hesi Eka; Alfin, Aidil; Kenedi, Jon
Jurnal Pendidikan Tambusai Vol. 10 No. 1 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i1.35893

Abstract

Penelitian ini bertujuan untuk menganalisis strategi pengelolaan Destinasi Wisata Danau Tarusan Kamang Dalam Perspektif Islam. Pokok permasalahan dari penelitian ini yaitu menurunannya jumlah wisatawan yang disebabkan karena strategi pengelolaan yang dilakukan belum optimal. Keterbatasan sumber daya manusia, kurangnya pengetahuan dalam bagaimana cara mengelola wisata dengan baik, tidak terjaganya sarana dan prasarana yang ada, dan kurangnya biaya dalam melakukan pengelolaan serta kurangnya perhatian dari pemerintah menyebabkan pengelolaan yang dilakukan belum maksimal dan dapat menurunkan jumlah nasabah. Metode penelitian ini adalah jenis penelitian lapangan dengan pendekatan metode peneltian kualitatif. Data-data dalam penelitian ini terdiri dari data primer dan data sekunder yang diperoleh dengan pengumpulan data yaitu observasi, wawancara, dan dokumentasi. Narasumber dalam penelitian ini adalah pengelola, masyarakat, dan pengunjung. Teknik pengolahan dan analisis data dilakukan dengan tiga tahap yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa terjadinya penurunan jumlah wisatawan karena pengelolaan sarana dan prasarana belum terorganisir dengan baik, kurangnya biaya yang masuk dan perhatian dari PEMDA, sehingga pengelolaan Danau Tarusan Kamang belum memuaskan baik dari segi sarana seperti Musholla, WC, dan juga tempat duduk untuk pengunjung maupun area parkiran, sedangkan dari segi prasarana terdapat masih kurangnya akses jalan yang perlu diperbaiki dan diperluas, masih kurangnya strategi promosi dalam mengenalkan sehingga menyebabkan ketidaktahuan sebagian masyarakat, untuk itu diperlukan kontribusi secara efektif dalam pengelolaan Destinasi Wisata Danau Tarusan Kamang, sehingga dapat meningkatkan jumlah wisatawan.
Pengaruh Samsat Keliling dan Sanksi Pajak Kendaraan Bermotor terhadap Kepatuhan Wajib Pajak di UPTD PPD Sawahlunto Deswandi, Amelia Putri; Illahi, Ilham; Izmuddin, Iiz; Alfin, Aidil
Jurnal Pendidikan Tambusai Vol. 10 No. 2 (2026): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i2.38093

Abstract

Penelitian ini bertujuan untuk mengetahui apakah layanan Samsat Keliling dan sanksi pajak kendaraan bermotor berpengaruh terhadap kepatuhan wajib pajak di UPTD PPD Kota Sawahlunto. Penelitian ini dilatarbelakangi oleh masih rendahnya kepatuhan wajib pajak, yang disebabkan oleh sulitnya akses ke kantor Samsat dan kurangnya pemahaman tentang sanksi pajak. Penelitian ini menggunakan metode kuantitatif dengan pendekatan perbandingan sebab-akibat. Sampel terdiri dari 95 orang yang pernah menggunakan layanan Samsat Keliling. Hasilnya menunjukkan bahwa baik layanan Samsat Keliling maupun sanksi pajak secara sendiri-sendiri maupun bersama-sama berpengaruh positif dan signifikan terhadap kepatuhan wajib pajak. Hasil ini menunjukkan pentingnya peran pemerintah daerah dalam meningkatkan kualitas layanan dan penegakan aturan pajak.
Nikah Subarang Ayie Kontestasi Nikah Formalistik di 50 Kota Sumatera Barat hanani, silfia; Alfin, Aidil; Rahman, Ali
PALASTREN: Jurnal Studi Gender Vol 13, No 2 (2020): PALASTREN
Publisher : UIN Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/palastren.v13i2.7448

Abstract

Subarang Ayie marriage, marriages that are performed through marriage services that are not regulated by the state, or not through procedures that have been established by applicable laws and regulations, so that this marriage does not have official documents, as regulated  by the state.  Ayie's Subarang marriage still occurs due to practices carried out by actors who need and need each other, making it difficult to be eliminated.  Marriage under the hand is still a rational and normative choice, especially among those who have problems in marriage.  Therefore, Subarang Ayie's marriage still survives.
Understanding Cash Waqf Intention among Academics: The Role of Financial Literacy as a Moderating Variable Zulkarnaen Zulkarnaen; Asyari Asyari; Hesi Eka Puteri; Aidil Alfin
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1410

Abstract

Despite Indonesia’s substantial potential for cash waqf, its realization remains far below expectations, suggesting relatively low public interest in participating in such initiatives. This study aims to examine the effects of attitudes, subjective norms, religiosity, and information media on the intention to participate in cash waqf, with cash waqf literacy positioned as a moderating variable among lecturers of the Faculties of Islamic Economics and Business at State Islamic Religious Universities (PTKIN) in West Sumatra. This research employs a quantitative, survey-based approach. Primary data were collected via questionnaires distributed to 150 lecturers and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The findings reveal that attitudes, subjective norms, religiosity, and information media significantly and positively influence cash waqf intention. However, cash waqf literacy does not significantly moderate the relationships between these variables and cash waqf intention. These findings contrast with prior studies suggesting that cash waqf literacy plays a significant role in enhancing participation intention. The absence of a moderating effect indicates that the determinants proposed by the Theory of Reasoned Action (TRA) exert a strong, direct influence independent of literacy levels. In practice, the results imply that waqf institutions and nazhir should reconsider their strategic focus, shifting from literacy-based campaigns to strengthening transparency, trust, and institutional credibility, particularly when targeting academics and upper-middle-class Muslim communities.
Analisis Persepsi dan Sikap Anggota terhadap Produk Pembiayaan Koperasi Konsumen Syari’ah Pegawai RSUD Dr Achmad Mochtar Bukittinggi Ayunda Murni Andini; Aidil Alfin
ARZUSIN Vol 6 No 4 (2026): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10690

Abstract

The development of Islamic cooperatives in Indonesia has shown significant growth as an alternative financial institution operating based on Islamic principles. However, studies that specifically discuss members’ perceptions and attitudes toward financing products in cooperatives that have transformed from a conventional system to an Islamic system remain relatively limited. This study aims to analyze members’ perceptions and attitudes toward the financing products of Koperasi Konsumen Syariah Pegawai RSUD Dr. Achmad Mochtar Bukittinggi, which include murabahah financing, ijarah multijasa, and non-cash gold sale and purchase. This study uses a qualitative approach with a field research design and a qualitative descriptive method. Informants were selected through purposive sampling, consisting of cooperative administrators and members who use Islamic financing products. Data were collected through semi-structured interviews, observation, and documentation, and were then analyzed using the Miles and Huberman model through the stages of data reduction, data presentation, and conclusion drawing and verification. The results show that members’ perceptions of Islamic financing products were in the positive category, shaped by the transparency of contract information, conformity with Islamic principles, economic benefits, religiosity factors, and loyalty to the cooperative. Members’ attitudes also showed a supportive tendency, indicated by comfort in using the Islamic financing system, willingness to recommend the products to other members, acceptance of financing margins, and commitment to continue using the cooperative’s products. The conclusion of this study affirms that members’ positive perceptions and attitudes are important factors in the acceptance of Islamic financing products in cooperatives undergoing institutional transformation. The implications of this study indicate the need to strengthen Islamic financial education, transparency of contract information, and service quality improvement so that Islamic cooperatives can expand members’ trust and loyalty.
Analisis Penerapan Workplace Spirituality dalam Meningkatkan Produktivitas Karyawan pada BTN KCS Padang Pratiwi, Nia; Alfin, Aidil
ARZUSIN Vol 6 No 4 (2026): AGUSTUS
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i4.10123

Abstract

Workplace spirituality has received attention in various studies because it is considered capable of creating a more harmonious, meaningful, and productive work environment. However, research specifically examining the application of workplace spirituality in increasing employee productivity in Islamic financial institutions remains limited, particularly at Bank Tabungan Negara Sharia Branch Office (BTN KCS) Padang. This study aims to analyze the application of workplace spirituality in increasing employee productivity at BTN KCS Padang. This study used a qualitative approach with a descriptive case study design, involving 23 employees as participants selected through purposive sampling. Data were collected through semi-structured interviews, observation, and documentation, and were then analyzed using the interactive analysis model of Miles, Huberman, and Saldaña, which includes data reduction, data display, and conclusion drawing. The results showed that workplace spirituality was applied through various spiritual activities and Islamic work culture, such as reading the Qur’an together, collective prayer, regular religious study sessions, Friday short sermons, congregational prayers, and the habituation of greeting and smiling in service to customers. The application of workplace spirituality had a positive impact on improving work focus, motivation, discipline, social relationships among employees, and service quality for customers. The conclusion of this study affirms that workplace spirituality plays an important role in building a religious, harmonious, and productive work culture in Islamic financial institutions. These findings contribute to the development of workplace spirituality studies in the context of Islamic banking and provide practical implications for strengthening Islamic work culture to increase employee productivity.
Strategi BMT dalam Mempertahankan Eksistensi Lembaga (Studi Kasus: BMT Nagari Pakan Sinayan) Meisy Andari; Aidil Alfin
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11499

Abstract

The existence of Baitul Maal wat Tamwil (BMT) as an Islamic microfinance institution plays an important role in expanding public access to financing and supporting the economic empowerment of the Muslim community. However, several BMT Agam Madani institutions in Agam Regency have experienced declining performance and have even ceased operations, whereas BMT Agam Madani Pakan Sinayan has remained capable of maintaining its existence. Although the sustainability of BMTs has received attention in several studies, research specifically analyzing institutional survival strategies through a SWOT approach at BMT Agam Madani Pakan Sinayan remains limited. This study aimed to analyze the strategies implemented by BMT Agam Madani Pakan Sinayan to maintain its existence and formulate development strategies based on SWOT analysis. The study employed a qualitative approach with a case study design. Informants were selected through purposive sampling, which was subsequently developed using snowball sampling. Data were collected through semistructured interviews, observation, and documentation and were subsequently analyzed using the interactive model of Miles, Huberman, and Saldaña combined with SWOT analysis. The results showed that the existence of the BMT was maintained through four main strategies: implementing sound management and governance, strengthening cooperation with the nagari government, increasing customer loyalty through high-quality services, and applying prudential principles in financing. The SWOT analysis identified strengths, weaknesses, opportunities, and threats that served as the basis for formulating the institution’s development strategies. These findings confirm that BMT sustainability is determined by sound governance, service quality, institutional partnerships, and prudent financing management. This study contributes to the development of research on the sustainability of Islamic microfinance institutions and provides practical implications for BMT managers and local governments in strengthening governance, optimizing technology utilization, improving service quality, and expanding institutional collaboration.
Co-Authors Adri Adri Adri Adri Agara, Andriawan Angga Rizki Prawira Anisah, Ariyun Anne Putri Asyari Asyari Asyari, Asyari Awaluddin Awaluddin Ayunda Murni Andini Azharah, Syerly Lia Azzahrah, Natasya Basri Na'ali Bustamar Bustamar Bustamar Bustamar, Bustamar Busyro, Busyro Busyro, Busyro Cindau, Khairani Dahyul Daipon Defrisal, Muhamad Denata, Betria Derlan, Selfiah Deswandi, Amelia Putri Devianti, Regina Edi Rosman Edi Rosman Eli Febriani Fanisa Suseno Febriani, Eli Ferdi Prayoga Fikri, Devisa Amalia Fofi Hanifa Seftiani Gusriandi Haanii Haritsa Yuzen Hana Luthfia Widi Handayani, Setia Harfandi, Harfandi Hesi Eka Puteri Hesi Eka Puteri Hidayati, Nurvina Husna, Fadhilla Ifriyansyah, Muhammad Fajar ihwan fauzi Iiz Izmuddin Ilal , Yahdi Illahi, Ilham Indra Saputra Karmila Sari Karmila Sari Kenedi, Jon Kiki Razroma Yantika Kurniawati, Yori Maisaroh Maisaroh, Panawirawan Meisy Andari MUHAMMAD TAUFIK Murdani, Riski Nia Pratiwi Nola Adilla Nurvina Hidayati Nurvina Hidayati Panawirawan Prawira, Angga Rizki Prayoga, Ferdi Pujy Yonesha Putri Nadhila Maulani Rahman, Ali Rahman, Ali Ramadhan SY, Taufik Rezi, Muhamad Rianti, Mila Riski Murdani Rusyaida, Rusyaida Safira, Fadilla Sari, Mutia Febrina Seftiani, Fofi Hanifa Setia Handayani Sherlly Rahmadani RS Sholihin, Anwar Silfia Hanani susanti, septria Suseno, Fanisa SY, Taufik Ramadhan Syerly Lia Azharah Taufik Ramadhan Widi Nugraha Widi Nugraha, Widi Widi, Hana Luthfia Witra Yosi Wiza, Yerna Yahdi Ilal Rusdy Yanti, Pepi Yantika, Kiky Razroma Yerna Wiza Yonesha, Pujy Yori Kurniawati Yuzen, Haanii Haritsa Zulkarnaen Zulkarnaen ZUWARDI, ZUWARDI