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All Journal Laa Maisyir Jurnal Ekonomi Islam IJTIHAD Maraji`: Jurnal Ilmu Keislaman Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Jurnal ASPIKOM Ijaz Arabi Journal of Arabic Learning MALIA NISBAH: JURNAL PERBANKAN SYARIAH Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Istinbath: Jurnal Hukum dan Ekonomi Islam Jurnal Tabarru': Islamic Banking and Finance Syarikat : Jurnal Rumpun Ekonomi Syariah Justisia Ekonomika Ulumuna: Jurnal Studi Keislaman Al Maal: Journal of Islamic Economics and Banking SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Dialektika: Jurnal Ekonomi dan Ilmu Sosial Al-Kharaj: Journal of Islamic Economic and Business Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Ilmiah Al-Tsarwah El-Qist : Journal of Islamic Economics and Business (JIEB) Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam AL-ARBAH: Journal of Islamic Finance and Banking Al-tsaman : Jurnal Ekonomi dan Keuangan Islam Al-Buhuts (e-journal) Jurnal Riset Ekonomi Syariah Milkiyah: Jurnal Hukum Ekonomi Syariah Keris: Journal of Community Engagement MIYAH: Jurnal Studi Islam JUSTICES: Journal of Law ORGANIZE: Journal of Economics, Management and Finance Santri: Journal of Student Engagement Amal: Jurnal Ekonomi Syariah Al-Arfa: Journal of Sharia, Islamic Economics and Law Maslahah: Jurnal Manajemen dan Ekonomi Syariah Jurnal Media Akademik (JMA) Maklumat: Journal of Da'wah and Islamic Studies Al-Fadilah: Islamic Economics Journal MASADIR: Jurnal Hukum Islam Journal of Sharia Economics, Banking and Accounting Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Jurnal Kajian Ekonomi dan Perbankan Syariah Optimum: Jurnal Ekonomi dan Pembangunan Journal of Islamic Philosophy and Contemporary Thought Jurnal At-Tamwil: Kajian Ekonomi Syariah Reflektika Al-Iffah: Journal of Islamic Sciences Research Journal of Digital Economic Studies Journal of Shariah Economics Proceeding UMSurabaya
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STRATEGI KIAI DAN SANTRI DALAM MEWUJUDKAN KEMANDIRIAN EKONOMI PONDOK PESANTREN NURUL AMANAH BANGKALAN Moh Idris; Taufiqur Rahman
PROCEEDING UMSURABAYA Prosiding Nasional " Perspektif Digitalisasi, Ekonomi, Dan Bisnis Pasca Pandemi"
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The research departs from the importance of identification related to economic independence in Islamic boarding schools, which functions to see the involvement of Kiai and students in realizing the financial autonomy of pesantren phenomenologically because so far pesantren are only seen as Islamic da'wah institutions and educational institutions but pesantren as an institution for community empowerment. In the economic field, there are still many that have not been exposed in detail and in-depth. This study focuses on the goal, knowing the kiai's strategy in realizing the economic independence of the Nurul Amanah Santa Islamic Boarding School and the system of the santri in recognizing the financial autonomy of the pesantren. This method uses a qualitative approach where the data collection technique uses documentation, observation and thorough interviews with the Kiai and several students at the Islamic boarding school. The results of this study conclude 1). The kiai's strategy to realize the economic independence of Islamic boarding schools is to use capacity-building methods, strengthen institutions, transfer knowledge and strengthen networks. 2). The way of the santri in realizing the economic independence of the pesantren as assistant caregivers in learning the financial autonomy of the pesantren.Keywords: Strategy; Kiai; Santri; Economic Independence; Islamic Boarding School
Sharia Leasing as an Alternative Financing: SLR of Islamic Economics and Sharia Law Literature Moh. Sudirman; Taufiqur Rahman
Maklumat: Journal of Da'wah and Islamic Studies Vol. 3 No. 4 (2025)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/maklumat.v3i4.80

Abstract

Sharia leasing is an alternative financing based on sharia principles that is increasingly in demand as a substitute for conventional schemes. This instrument avoids usury, gharar, and maysir and emphasizes fair and transparent transactions in accordance with Islamic law. This study aims to conduct a systematic literature review (Systematic Literature Review/SLR) to identify basic concepts, views of muamalah fiqh, operational challenges, and prospects for its development in Indonesia. The method used is SLR with sources from databases such as Google Scholar, ScienceDirect, Scopus, and the Garuda Portal of the Ministry of Education and Culture for the 2018–2025 period. The literature was analyzed using a thematic approach to obtain a comprehensive picture. The results of the study indicate that sharia leasing has a strong basis in muamalah fiqh through contracts such as ijarah and its combinations. However, its implementation still faces challenges such as lack of harmonization of contracts, low public literacy, and the need to improve national regulations. As a solution, contract standardization, digitalization of sharia services, public education, and synergy between regulators, business actors, and academics are needed. The MSME and transportation sectors are strategic segments with increasing demand. The conclusion of the study states that sharia leasing has great potential as a modern Islamic economic instrument, as long as it is supported by strong policies and sustainable technological innovation.
Strategi Pendayagunaan Program “Gresik Berdaya” dalam Meningkatkan Ekonomi Mustahik di Badan Amil Zakat Nasional (BAZNAS) Gresik Taufiqur Rahman
Journal of Sharia Economics, Banking and Accounting Vol 2, No 2: 2025
Publisher : STAI Nurul Islam Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52620/jseba.v2i2.182

Abstract

In this increasingly developing era, poverty is still a problem in every country, therefore there is a need for policies to reduce poverty, one of which is through zakat. Where one of the institutions that play a role in the utilization of zakat funds, namely the Gresik Regency National Amil Zakat Agency (BAZNAS) has the duties and functions of collecting and distributing, utilizing zakat, infaq, and alms (ZIS) which has several programs in utilizing ZIS funds, one of which is the Gresik Berdaya program which consists of 3 programs namely work tool assistance, business capital assistance or microfinance and rolling livestock assistance which aims to improve the mustahik economy.The type of research used by researchers in this study is a type of qualitative research with a qualitative descriptive approach that uses field research through observation, interviews and documentation of the head of the distribution department, the distribution staff and the mustahik who receive assistance. The results showed that there were 3 assistance strategies for the utilization of the Gresik Empowered program, including work tool assistance, business capital assistance, and rolling livestock assistance. BAZNAS Gresik Regency implemented a strategy by carefully selecting mustahik so that the assistance provided was truly beneficial to the mustahik, and also working with the village UPZ the assistance can be felt by the BAZNAS Gresik mustahik
Systematic Literature Review: The Role of Insurance The journey of Sharia in Increase Protection Muslim Tourists Marshanda Ridia Amelia; Taufiqur Rahman
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 7 No. 1 (2025)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2025.7.1.26822

Abstract

Purpose - This article aims to examine and analyze the role of Islamic travel insurance in improving protection for Muslim tourists. Specifically, this study focuses on understanding the mechanism of Islamic insurance, as well as the extent to which this insurance is able to answer the needs and challenges of Muslim travelers in the context of halal travel.. Method - In this study, data search was conducted using the Systematic Literature Review (SLR) Method by summarizing findings from previous studies that are relevant to the research topic. The keywords from Indonesian used to search for data for this study are "Sharia Travel Insurance" and "Protection for Muslim Tourists". Result - Islamic travel insurance, based on the principle of takaful, provides protection for Muslim travelers through sharia-compliant mechanisms, such as tabarru and wakalah bil ujrah contracts. However, travelers still face various obstacles, such as a lack of understanding of takaful, limited coverage, and constraints in regulations and claim procedures. They need insurance coverage that covers important aspects, such as legal certainty that is free from gharar, maysir, and usury, as well as access to halal food and prayer facilities during the trip. Case studies reveal that defaults in Islamic travel insurance claims for Umrah pilgrims often occur due to a lack of transparency in the claim procedure. To increase traveler confidence, the insurance industry needs to design more inclusive products, improve regulations that support sharia compliance, and improve financial literacy so that protection for Muslim travelers is more optimal. Implication - This study used data from Google Scholar to identify related articles, with a total of 1,010 articles found in the initial stage. After a screening process based on the relevant year range, 270 articles were identified from journals published in the period 2020–2025 as the basis for initial selection. Further screening was carried out using the Open Refine application by considering the inclusion criteria that had been set. From the results of this process, 27 articles were obtained that were relevant to the research topic, with 8 of them having a high level of relevance to the research title. Originality - This study examines the mechanism of Islamic travel insurance and its role in meeting the needs and overcoming the challenges of Muslim travelers in halal travel. The discussion covers fundamental aspects, coverage, as well as regulatory barriers and claim procedures. In addition, this study evaluates innovative strategies in product development and increasing understanding of Islamic finance to ensure more effective protection for Muslim travelers. Keywords:                     Sharia Insurance, Insurance Sharia Travel, Protection Muslim Tourists.
Implementation of sharia principles in the insurance industry in Indonesia: Systematic Literature Review Isnaini Hikmah Hidayah; Taufiqur Rahman
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 7 No. 2 (2025)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2025.7.2.26829

Abstract

Purpose - Aims to examine in depth the implementation of sharia principles in the insurance industry in Indonesia. The main focus is to evaluate the extent to which principles such as monotheism, justice, ta'awun, and cooperation are implemented through sharia contracts such as tabarru', tijarah, mudharabah musytarakah, and wakalah bil ujrah in sharia insurance practices. Method - The method used in this study is Systematic Literature Review (SLR). Data were collected from 500 articles filtered through Google Scholar with the keywords "sharia principles" and "insurance industry" in the period 2020-2025. After going through the selection and data cleaning stages, the seven most relevant articles were analyzed in depth to identify key findings and academic trends related to the topic. Result - The results of the study show that although sharia insurance has a strong basis in Islamic principles, its implementation still faces several major challenges. Among them are low public literacy, lack of standardization in the implementation of contracts, weak regulations from the government, and less than optimal services comparable to conventional insurance. In addition, there was a gap in understanding between industry players and customers regarding sharia contracts. Implication - emphasizes the need to strengthen education, improve service systems, and formulate regulations that are more supportive of the development of the sharia insurance industry. This study also recommends increasing the role of the Sharia Supervisory Board in ensuring operational compliance with sharia values. Originality - This study provides an original contribution through a systematic literature approach, by integrating various dimensions of sharia (theological, managerial, social, and digital) in its analysis. This study is expected to be a theoretical and practical reference for academics, regulators, and industry players in strengthening the sharia financial system in Indonesia. Keywords:                     Sharia insurance , Sharia principles, Insurance industry.
Systematic Literature Review of the Concept and Practice of Sharia Leasing: Theoretical and Application Perspectives Moh. Nasrul Muslim; Taufiqur Rahman
Al-Arfa: Journal of Sharia, Islamic Economics and Law Vol. 3 No. 2 (2025): Transformative Islamic Economics and Law
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/arfa.v3i2.111

Abstract

The development of Islamic economy and finance at the global level has shown significant growth over the past decade. One important instrument in the development of Islamic financial sectors is sharia-based leasing or operating lease, known in Islamic jurisprudence (fiqh muamalah) as ijarah . This concept not only aims to meet the need for capital goods—both productive and consumptive—but also emphasizes values such as justice, transparency, and compliance with Islamic principles. In practice, sharia leasing differs fundamentally from conventional schemes, especially in terms of cost structure and time conditions. Unlike conventional leasing, which typically uses an interest-based system without full transparency to consumers, all cost components in sharia leasing must be clearly explained to the lessee. Furthermore, one popular form of ijarah in a business context is Ijarah Muntahiyah Bitamlik (IMBT) , a lease contract that ends with the transfer of asset ownership to the lessee, either through a gift or a separate sales agreement. According to data from the Islamic Financial Services Board (IFSB, 2023), the global Islamic financial sector reached more than USD 2 trillion by 2023, with non-banking instruments such as sharia leasing, sukuk, and takaful showing increasing participation. In Indonesia, despite relatively rapid development in the Islamic financial industry, financing through Islamic leasing companies remains limited. As of 2022, the number of full-fledged Islamic multifinance institutions and Sharia Business Units (UUS) offering sharia leasing services was still suboptimal. One of the main challenges in developing sharia leasing is the lack of public awareness regarding its benefits and mechanisms. Additionally, limitations in regulation, low institutional capacity in designing competitive products, and insufficient human resource readiness are obstacles to the widespread implementation of this concept. From a theoretical perspective, many studies have explored sharia leasing from various angles, including fiqh, contract law, and institutional implementation. However, comprehensive and synthetic reviews of these literatures remain limited. Therefore, the systematic literature review (SLR) method is relevant to identify, evaluate, and synthesize findings from previous studies. Through SLR, the author mapped the conceptual and practical development of sharia leasing and identified research gaps that require further investigation. This approach provides a systematic and objective framework to ensure that the analysis is evidence-based and supported by valid references.
Co-Authors A'yun, Indah Firdanilla Abdur Rohim Adinda Pramesti Indah Cahyani Adiyono Adiyono Affandi, Mahrus Afiza Ridha Zamzima Afrizal Zulkarnaein Agriana, Gita Ahmad Makhtum Ahmad Musadad Ahmad, Walid In'am Al Kautsar, Syahvergio Anugrah Alan Su'ud Ma'adi Alya, Ulka Anggraeni, Silvia Abni Ariffin, Mohd Faizal Noor bin Arsyad, Muhammad Rizal Aulia Urrohmah Dahruji Dahruji, Dahruji Dzikrulloh, Dzikrulloh Elita Putri Pradipta Ely Inriani Farid Ardyansyah Farid Ardyansyah Fidya Puji Ramadhani Fitriyah, Siti Lailatul Galuh Widitya Qomaro Hairul Umur Halimatuz Zahro Hanifah, Luluk Holis Holis Ianatus Sholeha Isnaini Hikmah Hidayah Itsnaini, Fadhilatul Khasanah, Hanna Nur Khoiroh, Sabilatul Khoirun Nasik Khumairoh, Dzurorin Kurnia Fitri Salsabila LILIS SUAIBAH Lourensia Hani Luthfiyana Hidayatu Rohmah M. Syarifuddin Syarifuddin Ma’adi, Alan Su’ud Marshanda Ridia Amelia Masruroh Miftakur Rohman Misbahul Munir Moh Idris Moh. Nasrul Muslim Moh. Sudirman Mohamad Ali Hisyam, Mohamad Ali Mohammad Nizarul Alim Mohammad Syarifatul Mustofa Muhammad Ersya Faraby Muhammad Harun Mustaniroh, Mustaniroh Nur Baiti, Siti Nur Rizkiyah Ramadhani Nurul Jennah Permana, Dikki Pratiwi Nur Laili Putri Amalia Putri Rahayu Ningsih Putri, Filda Felisa Ribka Bunga Satya Banjarnahor Rikhe Dwi Nurdiyah Riris Tri Maulida Risa Umami Rizqiatul Camelia Romli, Moh. Rosita Ramadhani Salistia, Faisal Sa’adah, Nurus Siti Nur Baiti Siti Nur Halizah Sitti Halimah Sunariyah, Anik Syakira, Yulia Rachma Tri Pujiati Tri Pujiati Umi Qurrotul Aini Wahyu Setiawan Djodi Wasilatur Rohmah