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SHARIA MICROFINANCE REFORMULATION TOWARDS AN INCLUSIVE ECONOMY: An Approach Maqashid al-Shariah fi Hifdz al-Mal Ubaidillah; Nurrohman, Dede; Anshor, Ahmad Muhtadi
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 4 No. 2 (2025)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.epmex470

Abstract

Economic inequality and high poverty rates remain crucial issues in many Muslim-majority countries. This is due to the unequal distribution of wealth, the low quality of public services, and the suboptimal utilization of Islamic economic instruments such as zakat and waqf. Sharia microfinance has emerged as a fair and inclusive financing solution. However, the current model tends to imitate conventional systems and does not fully reflect the values of maqasid al-shariah, particularly in the aspect of hifdz al-mal (protection of wealth). This research aims to rebuild the Sharia microfinance model based on maqashid al-shariah fi hifdz al-mal as an ethical and normative basis for creating an Islamic financial system that is fair, sustainable, and relevant to contemporary socio-economic challenges. Using an Islamic legal research case study approach, this research examines the principles of Islamic financial management, critiques the weaknesses of existing microfinance models, both conventional and Sharia-compliant, and proposes more comprehensive design alternatives. Primary data for this study were obtained through field surveys, in-depth interviews, and direct observation at several Sharia Microfinance Institutions and beneficiary communities. The research results indicate that the application of maqashid al-shariah in the context of asset protection can strengthen the contribution of Islamic financial institutions to empowering micro, small and medium enterprises, alleviating poverty, and achieving the Sustainable Development Goals (SDGs). The proposed model emphasizes the principles of justice, spiritual and material well-being, protection of fundamental rights, and institutional synergy based on Islamic values.        
Best Interest of the Child (Ḥifẓ al-Awlād) Principle in Adjudicating Marriage Dispensation for Under-Age Couples Moch. Nurcholis; Iffatin Nur; Abd. Holik; Ahmad Muhtadi Anshor
AL-IHKAM: Jurnal Hukum & Pranata Sosial Vol. 20 No. 2 (2025)
Publisher : Faculty of Sharia IAIN Madura collaboration with The Islamic Law Researcher Association (APHI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/al-lhkam.v20i2.15927

Abstract

Since the enactment of Law Number 16 of 2019, which amended Law Number 1 of 1974 on Marriage, the Religious Court of Malang Regency has experienced a significant surge in marriage dispensation applications compared to the period when the previous Marriage Law was still in effect. This research aims to construct the concept of maqāṣid asy-syarī’ah fī ḥifẓ al-awlād by analyzing judicial reasoning of judges in determining marriage dispensations at Malang Regency Religious Court. It specifically explores how judges’ interpretations of the best interests of the child can be formulated into a new derivative of maqāṣid theory. This research is a normative-empirical juridical research with a case approach. The data were collected through interviews with three male judges and two female judges from the Religious Court of Malang Regency. Informants were selected using purposive sampling, targeting judges with the most extensive experience in handling marriage dispensation cases. As data saturation had been reached, the number of informants was deemed qualitatively representative. Data were also obtained from official documentation of legally binding marriage dispensation rulings (inkracht van gewijsde). All data were analyzed using a descriptive-analytical approach, and conclusions were drawn through the application of an interactive cyclical method. The principle of the best interests of the child in determining marriage dispensations aims at providing protection for the child, both physically and psychologically. It includes the age of the prospective bride and groom, economic adequacy, reliable guidance and assistance from the family, and adequate religious safety and protection of children in the womb.
Reconceptualizing Financial Freedom through Maqāṣid al-Sharīʿah fi Ḥifẓ al-Māl as a Framework for Sustainable Economic Development Ubaidillah; Nurohman, Dede; Anshor, Ahmad Muhtadi
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3188

Abstract

Global economic instability and the increasing complexity of personal financial management demand a more ethical, stable, and sustainable approach. In this context, Islamic economic practitioners propose various innovations to revitalize financial freedom based on the principles of Maqāṣid al-Sharīʿah, particularly Ḥifẓ al-Māl. This study aims to analyze the integration of the Ḥifẓ al-Māl principle into financial planning and management and its contribution to improving the financial Wellbeing of individuals and society. The research employs a qualitative case study design, supported by descriptive analysis. Data were obtained from reputable scientific journals, official reports from international institutions, and in-depth interviews with Islamic economics experts and Islamic finance practitioners. Furthermore, statistical data related to financial stability and Islamic investment behavior were used to strengthen the findings. The results show that the application of Islamic principles, particularly the avoidance of gharar, proportional risk management, and commitment to the public interest, contributes to improving individual financial stability by decreasing the risk of default and increasing the accumulation of productive assets. The integration of Hifdz al-Mal also encourages safer, more inclusive, and long-term investment practices, thereby strengthening public trust in the Islamic financial system. This study concludes that consistent implementation of Maqasid al-Shariah can be an effective strategy for building equitable and sustainable financial freedom. The implications of these findings are relevant for individuals, financial institutions, and policymakers in designing financial instruments and programs that respond to the dynamics of the modern economy.
All You Can Eat dalam Tinjauan Maslahah al-Mursalah : Implikasi Hukum Islam terhadap Praktik Bisnis Modern ubaidillah, ubaidillah; Nurohman, Dede; Muhtadi Anshor, Ahmad
Tasyri' : Journal of Islamic Law Vol. 4 No. 1 (2025): Tasyri'
Publisher : STAINI Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53038/tsyr.v4i1.215

Abstract

The "All You Can Eat" (AYCE) business practice has become a popular business model among the public, especially in the culinary sector. However, this phenomenon raises a number of questions related to halalness and sustainability from an Islamic legal perspective. This research aims to analyze AYCE buying and selling practices through a review Maslahah al-Mursalah (benefits that are not directly explained in the text) as an approach in Islamic law. The method used is qualitative analysis with a normative approach that examines fiqh principles and maslahah theory to assess whether AYCE practices bring benefits to individuals and society. This research found that although AYCE can provide economic benefits for entrepreneurs and satisfaction for consumers, there are potential losses in the aspects of waste (israf), nutritional imbalances, and impacts on health that must be avoided. In perspective Maslahah al-Mursalah AYCE practices can be justified if the principles of welfare and sustainability are maintained, but there needs to be strict regulation to ensure that no party is harmed and that excessive consumption can be avoided. This research concludes that the application of principles Maslahah al-Mursalah In business, AYCE can potentially provide benefits as long as it is in accordance with the values ​​of justice and balance in Islam.
Istri Pemberi Nafkah Utama dalam UU No. 1 Tahun 1974 Perkawinan Perspektif Maqāshid al-shari’ah Jasser Auda Pangestu, Pujo; Asmawi; Ahmad Muhtadi Anshor
DIKTUM: Jurnal Syariah dan Hukum Vol. 24 No. 1 (2026): DIKTUM: Jurnal Syariah dan Hukum (Inpress)
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/diktum.v24i1.15419

Abstract

Background: In contemporary society, professional women are present in every field, from educators to heads of state. Consequently, the phenomenon of the wife becoming the main breadwinner within the family context is increasingly common. However, existing regulations, a prevailing patriarchal culture, and non-comprehensive religious interpretations often act as barriers. It is therefore crucial to re-examine the wife's role as the primary provider within the current legal framework. Purpose: This study aims to analyze the position of the wife as the main breadwinner within the legal framework of Law No. 1 of 1974 on Marriage, and to connect it with the objectives of Jasser Auda Maqashid al-Shari’ah, which emphasize justice, welfare, and the sustainability of the family in an increasingly dynamic society. Methods: The research method employed is a literature review using a qualitative and normative approach. Data are collected from legal sources (Law No. 1/1974), scientific literature, and Jasser Auda’s Maqashid al-Shari’ah perspective. The data are then analyzed to identify the relevance and applicability of these principles within the context of dynamic gender roles. Results: The findings indicate that the wife's role as the main breadwinner can be legally recognized and has positive implications for family welfare. The discussion highlights the importance of revising the understanding of gender norms within marriage law. Implication: It is recommended that there is a need for policy support aligned with Maqashid al-Shari’ah to revise gender norm understandings, thereby creating a more just and balanced environment for all family members, and ensuring the law does not discriminate against women Originality: This study offers a new jurisprudential perspective that critically integrates Jasser Auda’s Maqashid al-Shari’ah framework to reinterpret the wife's role as the main breadwinner within Marriage Law No. 1 of 1974 which currently poses potential barriers
Reconstructing Islamic Legal Epistemology: The Performative Logic of Ijtihād Irshādī in the Lajnah Bahtsul Masā’il of Pesantren Lirboyo Muhammad Ibtihajuddin; Iffatin Nur; Ahmad Muhtadi Anshor; Asmawi Mahfudz; Rifa'atul Mahmudah
Justicia Islamica Vol 22 No 2 (2025)
Publisher : Faculty of Sharia UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/justicia.v22i2.10927

Abstract

This article examines the epistemological and performative construction of Ijtihād irshādi at the Lajnah Bahtsul Masail (LBM) of Pesantren Lirboyo as a paradigm that repositions fatwa not merely as juridical determination, but as ethical discourse shaped through communicative, pedagogical, and socially embedded reasoning. Responding to contemporary socio-religious issues such as domestic violence, interfaith marriage, and digital era household needs, this research argues that Ijtihād irshādi emphasises moral orientation, dialogical clarification, and contextual sensitivity while remaining grounded in maqasid al-shariah and the pesantren tradition. Using a qualitative phenomenological case study combined with Foucauldian archaeological discourse analysis, this study examines LBM documents, in-depth interviews with kiai and senior students, and participant observation in bahtsul masail sessions to map the epistemic formation of irshādi fatwas. The findings demonstrate that Irshadi reasoning works through nonimperative ethical guidance, performative enunciation of authority, and flexible interpretive mechanisms that integrate classical texts with lived realities. The study contributes conceptually by clarifying the epistemic structure of irshādi fatwas, methodologically through the synthesis of phenomenology and archaeological analysis, and practically by showing how pesantren-based jurisprudence can guide Muslims through evolving ethical challenges.
Internalization of Hanifiyyah Values in Character Education for Students of Madrasah Ibtidaiyah Pangestu, Pujo; Asmawi, Asmawi; Anshor, Ahmad Muhtadi; Haqq, Syauqy Arinal
At-Ta'lim : Media Informasi Pendidikan Islam Vol 24, No 2 (2025): DECEMBER
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/attalim.v24i2.9659

Abstract

ENGLISH: Internalization of Hanifiyyah Values in Character Education for Students of Madrasah IbtidaiyahObjective: This study aims to explore the internalization of Hanifiyyah values rooted in pure monotheism, sincerity, simplicity, and the moral integrity of Prophet Ibrahim AS in character education at MIS Al-Huda Haur Wangi, Cianjur. Method: The research design employs a qualitative case study, involving research informants comprising the head of the madrasah, teachers, parents, and 100 students. Data collection was conducted through in-depth interviews, participatory observation, and documentary studies. Results: Hanifiyyah values are systematically integrated through routine practices (such as Sunnah prayers), teacher role modeling, and school policies. The majority of students showed significant improvement in honesty, worship discipline, and social awareness. Conclusion: A holistic and practice-oriented Hanifiyyah-based character education approach can be employed to cultivate students' noble character, particularly in Islamic schools. Contribution: This research presents a Hanifiyyah-based character education model as a philosophical-pedagogical framework that bridges the gap between abstract theological doctrine and pedagogical practice in instilling Islamic character education.INDONESIAN: Internalisasi Nilai-nilai Hanifiyyah dalam Pendidikan Karakter Siswa Madrasah Ibtidaiyah.Tujuan:  Penelitian ini bertujuan untuk mengeksplorasi internalisasi nilai Hanifiyyah yang berakar pada tauhid murni, keikhlasan, kesederhanaan, dan integritas moral Nabi Ibrahim AS dalam pendidikan karakter di MIS Al-Huda Haur Wangi, Cianjur. Metode: Desain penelitian menggunakan studi kasus-kualitatif, I informan penelitian terdiri dari kepala madrasah, guru, dan orang tua, serta melibatkan 100 siswa. Pengumpulan data dilakukan melalui wawancara mendalam, observasi partisipatif, dan studi dokumentasi. Hasil: Nilai Hanifiyyah diintegrasikan secara sistematis melalui pembiasaan rutin (shalat Sunnah), keteladanan guru, dan kebijakan sekolah. Mayoritas siswa menunjukkan peningkatan signifikan dalam kejujuran, kedisiplinan ibadah, dan kepedulian sosial. Kesimpulan: Pendekatan pendidikan karakter berbasis Hanifiyyah yang holistik dan berorientasi praktik dapat digunakan dalam membentuk akhlak mulia siswa khususnya pada di sekolah berbasis islam. Kontribusi: Kontribusi penelitian ini menawarkan model pendidikan karakter berbasis Hanifiyyah sebagai kerangka filosofis-pedagogis antara doktrin teologis yang abstrak dan praktik pedagogis, dalam menanamkan pendidikan karakter islam.
Strategi Lembaga Amil Zakat Infak Shadaqah Muhammadiyah Kabupaten Tulungagung Dalam Meningkatkan Kepercayaan Muzakki Eva Fahmadia Jilan Maulida; Ahmad Muhtadi Anshor
ZAWA: Management of Zakat and Waqf Journal Vol. 2 No. 1 (2022): June
Publisher : UIN Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/zawa.v2i1.6368

Abstract

Zakat is the leading financial instrument among Muslims. Therefore, muzakki's trust in the Amil Zakat Institution must be encouraged to increase groups. Furthermore, this study aims to determine the LAZISMU strategy in Tulungagung Regency to increase muzakki confidence and determine the supporting and obstacles factors in increasing muzakki trust. This study used field research with a qualitative approach descriptively to get the information concerning an existing condition. As a zakat management institution, LAZISMU Tulungagung Regency uses various strategies to increase the trust of muzakki, including Distribution of trustworthy zakat infaq and shadaqah funds, transparency of fund management, improving service quality, and maintaining relationships with muzakki. This strategy aims to increase muzakki trust carried out by LAZISMU Tulungagung Regency. In addition, in 2021, around 90% of the Tulungagung Regency Muhammadiyah Association members will receive ZIS funds through LAZISMU Tulungagung Regency.
Revitalizing Financial Freedom to Achieve a Sustainable Economy Based on Maqashid al-Shariah in Hifz al-Mal Ubaidillah Mansur; Dede Nurohman; Ahmad Muhtadi Anshor
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.18582

Abstract

Global economic instability and poor financial planning have created significant challenges in achieving financial freedom, particularly in Indonesia, where low financial literacy, limited access to financial services, and inadequate savings exacerbate the issue. Integrating maqāṣid al-sharī‘ah, especially ḥifẓ al-māl, offers an ethical and sustainable framework for addressing these challenges and achieving inclusive financial freedom. This qualitative study employs a case study approach, utilizing data from academic journals, reports from international organizations, interviews with Islamic economics experts, and supporting statistics. The findings reveal that Sharia principles in investment and wealth management enhance financial inclusion, stability, and public trust. The principle of ḥifẓ al-māl safeguards assets and promotes responsible financial practices aligned with ethical and social objectives. By incorporating maqāṣid al-sharī‘ah in financial planning, individuals and societies benefit from improved well-being and sustainable economic development. This study highlights the synergy between financial freedom and sustainability, emphasizing education, justice, and resource efficiency as core strategies. Policymakers and individuals are encouraged to adopt sharia-compliant financial practices for long-term prosperity. While offering valuable insights, the study acknowledges its limitations and calls for further research on the role of digital financial technology in enhancing financial inclusion under maqāṣid principles.Keywords: Financial Freedom, Maqāṣid al-Sharī‘ah, Ḥifẓ al-Māl, Sustainable Economy, Financial Inclusion