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All Journal Pandecta Analisis: Jurnal Studi Keislaman Irfani Psikohumaniora: Jurnal Penelitian Psikologi Journal of Islamic Studies and Humanities Sawwa: Jurnal Studi Gender Isamic Communication Journal JURNAL KEPEMIMPINAN DAN PENGURUSAN SEKOLAH Jurnal Manajemen Pendidikan Journal of Indonesian Legal Studies International Journal Ihya' 'Ulum al-Din Islamic Counseling : Jurnal Bimbingan dan Konseling Islam At-Turats Jurnal Pendidikan : Riset dan Konseptual Kamaya: Jurnal Ilmu Agama An-Nida : Jurnal Komunikasi Islam Islamic Guidance and Counseling Journal Jurnal Bimbingan Konseling Jurnal Ilmu Dakwah Jurnal Dedikasi Pendidikan Journal of Islamic Accounting and Finance Research Bulletin of Counseling and Psychotherapy Journal of Islamic Economics and Finance Studies G-Couns: Jurnal Bimbingan dan Konseling Journal of Advanced Guidance and Counseling Journal of Islamic Economics, Management, and Business (JIEMB) JURNAL ECONOMINA Journal of Islamic Economics Lariba Jurnal SMART (Studi Masyarakat, Religi, dan Tradisi) El-Fata: Journal of Sharia Economics and Islamic Education Ahlussunnah: Journal of Islamic Education Journal of Law and Legal Reform FIKROTUNA: Jurnal Pendidikan dan Manajemen Islam International Journal of Religious and Interdisciplinary Studies Eduprof Journal of Private and Commercial Law Journal of Current Research in Humanities, Social Sciences, and Business Munazzama Journal of Islamic Management and Pilgrimage Wasīlah: Journal Of Sharia Sciences Istidlal: Jurnal Ekonomi dan Hukum Islam
Ali Murtadho
Universitas Islam Negeri Walisongo Semarang
Religion Arts Humanities Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Public Health Social Sciences Other

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Harmonization of Commercial Law: Patterns of Positivization and the Formulation of DSN-MUI Fatwas in Realizing Legal Certainty for Islamic Banking in Indonesia Baidhowi Baidhowi; Ahmad Rofiq; Ali Murtadho; Rayi Kharisma Rajib
Journal of Private and Commercial Law Vol. 10 No. 1 (2026): May, 2026
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jpcl.v10i1.47862

Abstract

The rapid development of the Islamic banking industry in Indonesia requires commercial legal instruments that not only ensure sharia compliance but also provide positive legal certainty for business actors. This article analyses the harmonization of Islamic commercial law into the national legal system through the mechanism of positivizing the fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) into Law No. 21 of 2008 on Islamic Banking and the Compilation of Sharia Economic Law (KHES). Through normative legal research methods employing statutory, conceptual, and comparative approaches, this study elaborates the ontological transformation of fatwas—from cultural authority (i'laniyah) into imperative legal norms (mulzim). The findings indicate that harmonization is carried out through institutional integration (the Islamic Banking Committee) and normative integration (adoption, adaptation, and expansion) into the regulations of Bank Indonesia and the Financial Services Authority. The formulation of commercial contracts incorporates the principle of freedom of contract (mabda' hurriyah al-ta'aqud) as well as classical fiqh doctrines through the instruments of maslahah mursalah, takhayyur, and talfiq. This material legal certainty is reinforced by the readiness of formal law through the expansion of the absolute jurisdiction of the Religious Courts and the National Sharia Arbitration Board (Basyarnas) following Constitutional Court Decision No. 93/PUU-X/2012. In conclusion, the positivization of DSN-MUI fatwas has successfully eliminated the operational ambiguity of sharia contracts and created a sustainable business ecosystem. This transformation directly contributes to achieving the Sustainable Development Goals (SDGs), particularly SDG 8 (Inclusive Economic Growth) and SDG 16 (Strong Judicial Institutions and Access to Justice), by providing consumer protection and absolute certainty in the enforcement of proprietary rights within Indonesia.
Development of Islamic Education Teaching Materials Based on Applied Behavior Analysis (ABA) and Positive Behavior of Disabled Students Husnul Khotimah; Ali Murtadho; Abdul Rohman
Eduprof : Islamic Education Journal Vol. 8 No. 1 (2026): Eduprof : Islamic Education Journal
Publisher : Program Pascasarjana, Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/eduprof.v8i1.446

Abstract

Islamic Religious Education (PAI) is intended to reach every student, including children with intellectual disabilities (tunagrahita). In practice, however, specialized PAI teaching materials for these children are virtually nonexistent. Teachers still rely on textbooks designed for typically developing students or create their own modules without using appropriate methods, directly contradicting National Education Law No. 20 of 2003, Article 5 Paragraph 2, which mandates special education for citizens with physical, emotional, mental, intellectual, or social disabilities. Previous studies on PAI for children with special needs have only described conventional planning and evaluation without developing tailored approaches. This study aims to develop ABA-based PAI teaching materials for children with intellectual disabilities. It employs a literature review method by systematically collecting, reading, recording, and analyzing journals, books, and documents on teaching materials and Applied Behavior Analysis (ABA).The findings demonstrate that ABA-based PAI materials are critically needed. ABA, originally developed for autism, has proven highly effective for other disorders such as ADHD and Asperger’s syndrome, as well as for typically developing children. For tunagrahita students facing significant intellectual and adaptive limitations, this approach systematically shapes specific behaviors into socially acceptable ones and optimally supports PAI competency mastery. In conclusion, ABA-based PAI teaching materials represent a vital innovation that fulfills the national legal mandate for meaningful and inclusive Islamic Religious Education
ANALYSIS OF MONEY UTILIZATION IN THE PERSPECTIVE OF ISLAMIC ECONOMICS: CASE STUDIES AND THEIR IMPLICATIONS Nurul Fajriatussaadah; Ali Murtadho; Wahab Zaenuri
Wasīlah: Journal Of Sharia Sciences Vol. 2 No. 1 (2026): Februari
Publisher : Wasīlah: Journal Of Sharia Sciences

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Abstract

This study examines the role of money within the framework of Islamic economics and analyzes how Sharia principles influence its utilization in real economic activities. Using a qualitative literature-based approach supported by scholarly books, journal articles, and institutional documents, the research also incorporates comparative case studies from Malaysia, Saudi Arabia, and Indonesia. The findings reveal that Islamic economics views money not merely as a medium of exchange but as an instrument that carries social responsibility and ethical obligations. The application of Sharia principles such as the prohibition of riba, the promotion of risk-sharing, and the encouragement of asset-backed transactions demonstrates the potential to enhance sustainable economic growth, strengthen financial stability, and promote social justice. Although the three countries share common foundational values regarding the function of money in Islamic economic practice, variations in regulatory frameworks and economic priorities lead to different macroeconomic impacts. Nevertheless, all three cases converge on a similar objective: fostering equitable, ethical, and sustainable economic welfare in line with their respective socioeconomic contexts. Keywords : money usage; sharia principles; dan macroenomomic
Governance violations and their impact on business growth: A case study of Sharia Rural Bank Saka Dana Mulia Kudus Sumarno, Sumarno; Yahya, Muchlis; El Junusi, Rahman; Murtadho, Ali; Elizabeth, Misbah Zulfa; Abdullah, Irwan
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art28

Abstract

IntroductionGovernance failure in Islamic rural banking remains a critical challenge because weak implementation of prudential principles, ineffective oversight, and inadequate risk management can threaten institutional sustainability and ultimately result in the revocation of an operating license. Although governance has been extensively discussed in Islamic banking, comprehensive evidence explaining how governance violations, liquidity risk, and capital inadequacy jointly contribute to institutional failure remains limited, particularly among Sharia Rural Banks in Indonesia.ObjectivesThis study aims to identify the types of governance violations that occurred at Sharia Rural Bank Saka Dana Mulia Kudus, analyze the implementation of good corporate governance and Islamic corporate governance, examine the relationship between governance failure, liquidity risk management, and minimum capital adequacy, and evaluate their impact on sustainable business growth.MethodThis study employed a qualitative approach using a single-case study design focusing on Sharia Rural Bank Saka Dana Mulia Kudus. Secondary data were collected from regulatory documents, banking publication reports, financial statements, official policies, media reports, and academic literature covering the period from 2020 to 2024. Document analysis, thematic coding, and source triangulation were applied to identify governance failures, liquidity risk, capital adequacy issues, and their consequences for banking performance and business continuity.ResultsThe findings reveal that governance failure resulted from the ineffective performance of the board of directors and board of commissioners, weak implementation of prudential principles, inadequate liquidity risk management, failure to satisfy minimum capital adequacy requirements, and ineffective Sharia compliance oversight. These weaknesses caused severe deterioration in financial performance, reflected by extremely high non-performing financing, declining profitability, insufficient liquidity reserves, negative capital adequacy, and continuing operating losses. The resulting decline in depositor confidence, reduction in third-party funds, unsuccessful restructuring efforts, and worsening financial health ultimately led to the revocation of the bank’s operating license and significantly hindered business growth.ImplicationsThe findings emphasize the importance of strengthening governance structures, improving liquidity risk management, ensuring sustainable capital adequacy, enhancing the effectiveness of the Sharia Supervisory Board, and implementing more proactive regulatory supervision and early warning mechanisms to safeguard institutional stability and promote sustainable growth in Islamic rural banking.Originality/NoveltyThis study provides a comprehensive analytical framework integrating governance failure, liquidity risk management, minimum capital adequacy, and Islamic corporate governance to explain institutional failure in a Sharia Rural Bank. It offers practical early warning indicators for regulators and banking practitioners while demonstrating that Islamic institutional identity alone does not guarantee effective governance without substantive oversight, prudent management, and integrated risk control.
Economic Assistance as a Form of Non-Penal Policy in Countering Terrorism for Ex-Prisoners in Indonesia Ali Masyhar; Ali Murtadho; Rohadhatul Aisy; Roziya Abu
Journal of Law and Legal Reform Vol. 5 No. 2 (2024): Justice and Law Reform in Various Perspectives
Publisher : Faculty of Law, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jllr.vol5i2.7558

Abstract

This study highlights the critical role of economic assistance as a non-penal policy in countering terrorism among ex-prisoners in Indonesia. Economic stability emerges as a significant factor in mitigating criminal behavior, particularly terrorism, by addressing the economic roots of radical ideologies. Traditional counterterrorism measures in Indonesia have predominantly focused on punitive approaches, targeting individuals who have committed terrorism offenses through formulation, judicial application, and executive enforcement of penal policies. However, there is an increasing recognition of the limitations of solely punitive measures in preventing recidivism and addressing the broader socio-economic factors that contribute to radicalization. The findings underscore the efficacy of economic interventions in disrupting the cycle of terrorism by providing viable alternatives to individuals vulnerable to radical ideologies due to economic hardships. By offering economic assistance, such as vocational training, job placement programs, and financial support, governments can empower ex-prisoners to reintegrate into society positively. This approach not only enhances the economic stability of former offenders but also reduces their susceptibility to re-engaging in terrorist activities. Moreover, integrating economic welfare assistance into broader counterterrorism strategies promotes a holistic approach that complements punitive measures with preventive measures. It acknowledges the need for synergy between punitive and non-penal policies to effectively combat terrorism. Such integrated strategies are essential for long-term success in reducing terrorism by addressing its socio-economic underpinnings and fostering sustainable peace and stability. In conclusion, this study advocates for the prioritization and implementation of economic assistance programs tailored for ex-prisoners in Indonesia as a crucial component of comprehensive counterterrorism efforts. By investing in economic stability, governments can effectively undermine the appeal of radical ideologies and contribute to lasting security and societal resilience.
Sharia Based Quintuple Bottom Line: Transforming Triple Bottom Line in Islamic Banking Ana Zahrotun Nihayah Ana; Muchlis Yahya; Ali Murtadho; Lathif Hanafir Rifqi
Journal of Islamic Economics and Finance Studies Vol 7 No 1 (2026): JIEFeS, June 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v7i1.13976

Abstract

ABSTRACT POJK No. 51/POJK.03/2017 obliges Indonesian banks to implement sustainable finance based on economic, social, and environmental performance. However, for Islamic banking, this Triple Bottom Line (TBL) orientation remains insufficient because it does not explicitly accommodate sharia compliance, spirituality, and intellectual development. This study aims to construct a Sharia-based Quintuple Bottom Line (QBL) model by integrating the five objectives of Maqasid al-Shari’ah with sustainability dimensions. Using a conceptual research design through literature review and theoretical synthesis, the study maps hifz al-mal, hifz al-nafs, hifz al-nasl, hifz al-din, and hifz al-'aql into profit, people, planet, piety, and potential. The findings show that QBL extends TBL by adding piety and potential as two dimensions needed to guide Islamic banks in developing halal, ethical, innovative, and sustainable financing practices. The model offers practical implications for product development, sharia governance, risk management, financial literacy, and green financing in Islamic banking.     ABSTRAK POJK No. 51/POJK.03/2017 mewajibkan bank di Indonesia menerapkan keuangan berkelanjutan berbasis kinerja ekonomi, sosial, dan lingkungan. Namun, dalam konteks perbankan sharia, orientasi Triple Bottom Line (TBL) belum memadai karena belum secara eksplisit memasukkan kepatuhan sharia, spiritualitas, dan pengembangan intelektual. Penelitian ini bertujuan menyusun model Quintuple Bottom Line (QBL) berbasis sharia dengan mengintegrasikan lima tujuan Maqasid al-Shari’ah ke dalam dimensi keberlanjutan. Dengan menggunakan desain penelitian konseptual melalui tinjauan pustaka dan sintesis teoritis, studi ini memetakan hifz al-mal, hifz al-nafs, hifz al-nasl, hifz al-din, dan hifz al-'aql ke dalam profit, people, planet, piety, dan potential. Hasil kajian menunjukkan bahwa QBL memperluas TBL dengan menambahkan piety dan potential sebagai dimensi yang diperlukan untuk mendorong praktik pembiayaan bank sharia yang halal, etis, inovatif, dan berkelanjutan. Model ini berimplikasi pada pengembangan produk, tata kelola sharia, manajemen risiko, literasi keuangan, dan pembiayaan hijau.
Co-Authors Abdillah Nurul Bahri Abdul Ghofur Abdul Rohman Abdulhamid Ali Abukil Abdulhamid Ali Abukil Abdullah Hadziq Agus Nurhadi Agus Nurhadi, Agus Agus Riyadi Ahmad Furqon Ahmad Rofiq Ahmad Zaharuddin Sani Ahmad Sabri Alaydrus, M. Zidane Yusva Ali Masyhar Ali Masyhar Ana Zahrotun Nihayah Ana Anggraini, Weni Anila Umriana Annisa, Aulia Anwar Sutoyo Anwar, Muhammad Choirul Astuti, Vidy Azna, Tiwi Fadlilatul Baharuddin Baharuddin Baharudin Baidhowi Baidhowi Baidi Bukhori Barokah, Sulih Nur Budiman, Rahmad Busmayaril Busmayaril Darma Sena de Cómputo, Escuela Superior Defriyanto Defriyanto, Defriyanto Diyah Palupi, Elvia Purwaningrum Edy Purwanto Edy Purwanto Ema Hidayanti Endang Supriyati Ependi, Asip Ernaeny, Windy Fadli, Ahmad Ilham Fadlilah, Ainun Famelia, Zella Fatah Syukur, Fatah Firdaus, Danang Fita Nurotul Faizah Fita Nurotul Faizah Fuadi, Nasrul Fahmi Zaki Husnul Khotimah Ibrahim Bin Ahmad Ikhsan Mustofa Is Haque, Aptaarkhan Aurell Kartika Marella Vanni Lathif Hanafir Rifqi M. Asasul Muttaqin Mardianingsih, Agustin Yahya Misbah Zulfa Elizabeth Mohammad Fahmi Muchlis Yahya Muchlis Yahya Muhammad Saifullah Muhammad Taufik Hilmawan Mulawarman Mulawarman mungin eddy wibowo, mungin eddy Mursidah, Siti Muttaqin, M. Asasul Nabila Fuadina Nasikhin, Nasikhin Nisa, Ainun Nugraheni, Edwindha Prafitra Nur Arofah Tis'ina Shofiyur Nurul Fajriatussaadah Nurul Huda Oktavia, Thia Pandu Winata, Ade Vinna Raba Pramodana, Dimas Raden Arfan Rifqiawan Raden Azamry Raden Perhan Rahman El Junusi Ratno Agriyanto Ratno Agriyanto Ratno Agriyanto Rayi Kharisma Rajib reri eriyana Riska Amelia Rohadhatul Aisy Romadhona, Rizkika Roya, Abdul Roziya Abu Siti Mujibatun Sri Murniasih Sugiyo Sugiyo Sugiyo, - Sukma, Hayu Nabila Ma’al Sulistio Sulistio Sumarno . Sunawan Sunawan Sunawan Sunawan Supriyono - Supriyono, Widodo Susana Aditiya Wangsanata Susana Aditiya Wangsanata Syafiq, Muhammad Azmi Syed Muzaffar Hussain Uswatun Chasanah Wahab Zaenuri Wahab Zaenuri Wangsanata, Susana Aditiya Warno dan Sri Wiranti Setiyanti, Warno Wati, Levinia Dian Kristina Weni Anggraini Widayanti Widayanti Widayanti, - Widayat Mintarsih Yulikhah, Safitri Zulhanan Zulhanan