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Evaluating the Spin-Off Readiness of Sharia Business Units for Islamic Banking Expansion in Indonesia Dja’akum, Cita Sary; Huda, Nur; Ryandono, Muhamad Nafik Hadi; Mujibatun, Siti; Mursyidi, Ach Fatayillah
Economica: Jurnal Ekonomi Islam Vol. 15 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2024.15.2.22696

This study aims to evaluate the readiness of Sharia Business Units (SBUs) in Indonesia to undertake the mandated 2023 spin-off, which would result in these units operating independently from their parent banks. The research employs a qualitative approach, with data collected through documentation and literature review. The study focuses on 20 SBUs, which include one unit from a state-owned enterprise (BUMN), 13 units from regionally-owned enterprises (BUMD), and six units from private banks. Findings indicate that approximately 50% of these SBUs are not sufficiently prepared to separate from their parent institutions due to constraints in assets, capital adequacy, and health metrics. This lack of preparedness is compounded by deficiencies in infrastructure and human resources, which collectively affect the financial, operational, and human capital stability of these units. Consequently, the findings suggest that most SBUs are not ready for a spin-off by 2023. Policy implications: The findings underscore the need for regulatory and developmental support to strengthen SBUs prior to spin-off. The study recommends that future policy address the capital and human resource limitations in Islamic banking to ensure successful spin-offs and sustainable growth in the sector.

Spin-Off as a Strategy to Accelerate Islamic Banking Growth in Indonesia: Assessing the Readiness of Sharia Business Units Dja’akum, Cita Sary; Huda, Nur; Ryandono, Muhamad Nafik Hadi; Mujibatun, Siti; Mursyidi, Ach Fatayillah
Economica: Jurnal Ekonomi Islam Vol. 15 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2024.15.2.22696

Islamic banking in Indonesia has grown significantly in recent years, supported by legal mandates encouraging structural separation between conventional and Sharia banking. This study aims to assess the readiness of Sharia Business Units (UUS) to implement the 2023 spin-off policy. A qualitative research approach was employed, with data collected through documentation and literature review. The study examined 20 Sharia Business Units, including one unit from a State-Owned Enterprise (Bank Tabungan Negara), 13 units under Regionally-Owned Enterprises (BUMD), and six units affiliated with private banks. The findings show that 50% of the assessed Sharia Business Units are not prepared to separate from their parent banks, particularly in terms of asset size, capital adequacy, and overall institutional health. Most UUS lack sufficient capital readiness, infrastructure, and qualified human resources to operate independently. When viewed holistically—across financial, operational, and HR dimensions—the majority of UUS included in this study were not ready for the 2023 spin-off. These findings provide valuable insights for regulators and stakeholders in the Islamic banking industry, particularly in shaping future policies and support mechanisms for Sharia Business Units transitioning toward independence.

Consumer Perception and Challenges of Halal Certification in the Food and Beverage Industry in Indonesia Magfiratun, Siti; Mujibatun, Siti; Imron, Ali
International Journal of Nusantara Islam Vol 13 No 1 (2025): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v13i1.46030

Halal certification in the food and beverage industry represents a complex multidimensional ecosystem in Indonesia, encompassing consumer perceptions, regulatory challenges, and strategic economic implications. This comprehensive library research explores the intricate dynamics of halal certification through a systematic analysis of contemporary scientific literature published between 2019-2024. Utilizing content and comparative analysis methods, the study investigates consumer awareness, regulatory frameworks, economic dimensions, and technological transformations in halal certification. Research findings reveal significant consumer awareness, with 87.2% of Muslim consumers considering halal certification a primary product selection criterion. The study identifies structural challenges in regulatory implementation, methodological complexities in verification processes, and the strategic economic potential of halal-certified products. Technological information platforms emerge as crucial mechanisms for enhancing transparency and accountability. The research recommends a holistic, collaborative approach integrating perspectives from religious scholars, food technologists, and management experts to develop a credible, sustainable halal certification ecosystem.

Consumer Perception and Challenges of Halal Certification in the Food and Beverage Industry in Indonesia Magfiratun, Siti; Mujibatun, Siti; Imron, Ali
International Journal of Nusantara Islam Vol 13 No 1 (2025): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v13i1.46030

Halal certification in the food and beverage industry represents a complex multidimensional ecosystem in Indonesia, encompassing consumer perceptions, regulatory challenges, and strategic economic implications. This comprehensive library research explores the intricate dynamics of halal certification through a systematic analysis of contemporary scientific literature published between 2019-2024. Utilizing content and comparative analysis methods, the study investigates consumer awareness, regulatory frameworks, economic dimensions, and technological transformations in halal certification. Research findings reveal significant consumer awareness, with 87.2% of Muslim consumers considering halal certification a primary product selection criterion. The study identifies structural challenges in regulatory implementation, methodological complexities in verification processes, and the strategic economic potential of halal-certified products. Technological information platforms emerge as crucial mechanisms for enhancing transparency and accountability. The research recommends a holistic, collaborative approach integrating perspectives from religious scholars, food technologists, and management experts to develop a credible, sustainable halal certification ecosystem.

PARADIGMA ULAMA DALAM MENENTUKAN KUALITAS HADIS DAN IMPLIKASINYA DALAM KEHIDUPAN UMAT ISLAM Mujibatun, Siti
Analisis: Jurnal Studi Keislaman Vol 14 No 1 (2014): Analisis : Jurnal Studi Keislaman
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ajsk.v14i1.655

THE SCHOLARS PARADIGM IN DETERMINING THE QUALITY OF THE HADITHAND ITS IMPLICATIONS FOR THE USE OF THE LEGAL BASIS IN THE DAILY LIFE OF MUSLIMS TODAY. The emergence of internal conflicts religious (Islam) in the practice of religion in daily life caused by the different sects among the hadith scholars since the early Islamic period to the present, especially in determining the quality of the hadith as evidence syar’iyyah. The scholars of Hadith have a typology and different concepts, so a significant impact on the use of different reference amaliah Muslims today. Even sometimes cause reactions mislead each other and each other infidel. The article aims to determine the paradigm in determining the quality of the hadith scholars, so as to know the strengths and weaknesses of each school and its implications for the use of the legal basis in the daily life of Muslims today.The findings of this study are as follows: a). There are four schools in determining the quality of the hadith scholars, namely, mutasyaddid (sstrict), muta’annut (excessive), mutawassit} (moderate) and mutasahhil (soft- permissive). B). Implications school differences in the quality of the lives of Muslim tradition for the school mutasyaddid (strict) that the hadith does not meet kaedah validity, can not be used as proof syar’iyyah. Likewise, schools mutawassit} (moderate), unless there is the argument (Qur’an-hadith) more powerful as supporters. Muta’annut and mutasahhil, the schools tend to use quality hadith d}a’i> f especially to the virtue of charity and morals.

Stagnation of Islamic Banking In Indonesia: Analysis Factors And Solutions Ratno Agriyanto, Ratno Agriyanto; Ali Murtadho; Nasrul Fahmi Zaki Fuadi; Muhammad Saifullah; Siti Mujibatun; Abdulhamid Ali Abukil
International Journal of Islamic Business and Economics (IJIBEC) Vol 7 No 1 (2023): Volume 7 Nomor 1 Tahun 2023
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v7i1.6923

This study aims to shed light on why there hasn't been a noticeable rise in Islamic banks during the past three decades of their existence. Data were gathered for this qualitative study through observation, interviews, and documentation studies. The study's findings demonstrate that the growth of Islamic banks has slowed, as evidenced by their low market share, declining financing deposit ratio (FDR), and declining return on assets (ROA). The expansion of the Islamic Banking staff network and offices has also slowed down. Islamic banking's initial reasons for stagnation include its subpar performance in carrying out social tasks, specifically the collecting and distribution of cash. The second requirement is the capacity to apply sharia principles to every banking activity. The three Arabic term labels on the goods offered by Islamic Banking continue to cause confusion in the community. Fourth, judicial disputes unrelated to banking include entities and people associated with sharia designations, which have an effect on public confidence. To change the stagnation of Islamic banks, strategic steps including expanding their social role are required.

Reconstructing Integrative Islamic Economics: Imam Mālik’s Substantive Legal-Economic Framework in al-Muwaṭṭaʾ and Its Relevance for Contemporary Plural Legal System Murtadho, Ali; Mujibatun, Siti; Mohamad, Maizatul Saadiah
Contemporary Issues on Interfaith Law and Society Vol. 4 No. 1 (2025): Intersections of Religious Diversity, Legal Frameworks, and Human Rights
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/ciils.v4i1.28153

Islamic economics integrates normative ethical principles with empirical realities, emphasizing justice (ʿadl), welfare (maṣlaḥah), and holistic prosperity (falāḥ). In contrast to conventional economics, which often detaches value judgments from analysis, Islamic economics seeks moral coherence in practice. This study explores the integrative economic thought of Imam Mālik ibn Anas (93–179 AH / 711–795 CE) as articulated in al-Muwaṭṭaʾ, a foundational legal text notable for embedding legal rulings within real economic contexts. Mālik’s jurisprudence reflects an empirical-normative synthesis, operationalizing Sharīʿah ethics in economic transactions through principles such as value equivalence, transparency, risk-sharing, and avoidance of speculation (gharar, maysir). The study employs a multidisciplinary qualitative methodology grounded in textual analysis to examine how al-Muwaṭṭaʾ provides a coherent framework for value-based economics. It investigates key legal-economic themes including contract ethics, distributive justice, monetary stability, and risk management. Findings suggest that Mālik’s integrative approach offers a corrective paradigm for contemporary Islamic finance, which often privileges legal form over economic substance. His model supports a shift toward ethical substance aligned with maqāṣid al-sharīʿah, offering relevance not only within Muslim-majority societies but also in pluralistic legal systems. This study contributes to the development of Islamic economic thought by advocating a paradigm rooted in ethical authenticity, responsive governance, and cross-cultural applicability—thereby advancing a more substantive and policy-relevant Islamic economic discourse.

Hadith of Gratitude and Mental Health: A Conceptual Analysis in The Works of Al-Ghazali Aniqoh, Aniqoh; Mufid, Abdul; Mujibatun, Siti; Ulama’i, A. Hasan Asy’ari
Jurnal Ushuluddin Vol 33, No 2 (2025): December
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jush.v33i2.37895

This research is This study is motivated by the growing prevalence of mental health problems caused by individuals’ inability to cope with life’s pressures. In this context, the Islamic teaching of gratitude holds significant relevance as a spiritual foundation for maintaining emotional balance. The research aims to contextualize the concept of gratitude derived from the hadiths as understood by Al-Ghazali in Ihya’ Ulumuddin and to examine its relevance to contemporary mental health concepts. The theoretical framework is based on Al-Ghazali’s understanding of gratitude, which consists of three dimensions: knowledge, inner state, and action. Regarding mental health, Al-Ghazali mentions three essential methods of self-development—mujahadah (spiritual struggle), tazkiyatun-nafs (self-purification), and riyadhah (spiritual exercise).This study employs a qualitative approach through library research, utilizing takhrij and dirayah analysis of hadiths related to gratitude found in Al-Ghazali’s works. The analysis is descriptive and analytical, aiming to reveal the conceptual and contextual meanings of gratitude within Al-Ghazali’s intellectual framework. In his view, gratitude is a comprehensive spiritual process that goes beyond verbal expression, requiring the integration of knowledge, inner awareness, and practical deeds as a form of acknowledgment of Allah’s blessings.The findings indicate that Al-Ghazali’s concept of gratitude comprises three main dimensions: knowledge, spiritual state, and practice. These dimensions play a crucial role in developing Islamic mental health by cultivating spiritual awareness, inner peace, and balance between psychological and spiritual aspects. Through tazkiyatun-nafs (self-purification) and riyadhah (spiritual training), individuals are trained to face life’s trials with a positive attitude, avoid despair, and remain conscious that all goodness originates from Allah. Al-Ghazali also asserts that trials are blessings in disguise and should be viewed as opportunities to recognize other forms of divine grace. Thus, his concept of gratitude provides a substantial contribution to the development of an Islamic paradigm of mental health anchored in spiritual and moral values

Integrasi Prinsip Ekonomi Syariah dalam Penggunaan Digital Payment oleh Pelaku Usaha Mikro Kecil Rifqi, Lathif Hanafir; Ana Zahrotun Nihayah; Siti Mujibatun
Jurnal Iqtisad Vol 12 No 2 (2025): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v12i2.12392

Digitalization has become an integral part of modern financial management, including in supporting the operations of micro, small, and medium enterprises (MSMEs). This study aims to analyze the integration of Sharia economic principles in digital payment systems used by creative micro and small enterprises (MSEs) in Jepara Regency, Central Java. A qualitative approach was employed, incorporating in-depth interviews and literature reviews. Data were collected from seventeen MSEs that utilize digital payment platforms for business activities. The findings reveal that most MSMEs have adopted digital payment platforms, such as QRIS, GoPay, and OVO, to support their transactions. However, implementing Sharia principles, such as prohibiting gharar (uncertainty), maysir (gambling), and riba (usury), remains challenging. While awareness of the importance of Sharia principles is relatively high, limited Sharia financial literacy and lack of access to Sharia-compliant platforms hinder wider adoption. This study offers strategic recommendations, such as enhancing Sharia financial literacy, developing Sharia-compliant digital payment platforms, and fostering collaboration between regulators, service providers, and the Muslim community. Implementing these measures is expected to promote Sharia financial inclusion and strengthen Indonesia's Islamic economic ecosystem.

Contextualizing The Prophetic Tradition Within The Nater Hajjiyân Ritual Of The Bangkalan Madurese Community Mukminin, Moh. Amiril; Raharjo, Raharjo; Mujibatun, Siti
Diroyah : Jurnal Studi Ilmu Hadis Vol. 10 No. 1 (2025): Diroyah: Jurnal Studi Ilmu Hadis
Publisher : Prodi Ilmu Hadis Fakultas Ushuluddin UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/diroyah.v10i1.51709

This study examines the process of contextualizing al-Sunnah al-Nabawiyah within the Nater Hajjiyân tradition among the people of Bangkalan, Madura. The tradition is not merely understood as a religious ritual but also as a social mechanism that embodies prophetic values in daily life. Employing a descriptive qualitative approach through the methods of living hadith and religious ethnography, this research explores how the values of the Prophet’s Sunnah such as kinship, generosity, trustworthiness, and prayers for safety are internalized within the community’s social practices. The findings reveal that Nater Hajjiyân serves as both a social and religious space that strengthens social cohesion, constructs participatory religious authority, and provides a concrete medium for the actualization of prophetic teachings within local culture. The figures of kyai (religious leaders) and blater (social influencers) play pivotal roles in maintaining the balance between spiritual and social authority, affirming that religious legitimacy is formed through social practice rather than normative texts alone. The tradition has also undergone transformation in the digital era, where its rituals and spiritual values are documented and disseminated through social media as expressions of collective religious identity. This study concludes that the Nater Hajjiyân tradition represents a dynamic form of living Sunnah, demonstrating that the Prophet’s teachings continuously adapt to the socio-cultural context of society. Hence, the contextualization of Sunnah is not merely an act of interpretation but also a process of actualizing prophetic values in modern social life.

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