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Peluang dan Tantangan Bank Syariah di Masa Pandemi Covid 19 Hardiansyah Padli; Kumaidi ,
ILTIZAM Journal of Shariah Economics Research Vol. 5 No. 2 (2021): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v5i2.810

ABSTRACT The COVID-19 pandemic has had a major impact on the economy, and the banking sector is no exception. What is quite different can be seen that the growth of Islamic banks shows a positive trend. This article was compiled to analyze the opportunities and challenges faced by Islamic banks during the Covid 19 pandemic. This article uses qualitative data analysis with descriptive-critical methods and through a literature study approach. The data analysis focuses on the opportunities and challenges of Islamic banks during the Covid 19 pandemic. Researchers used secondary data as a source of article creation. Based on the results of the study, it was revealed that Islamic banks have opportunities in the form of: historically and the application of profit-sharing contracts makes Islamic banks more crisis-resistant, Indonesia is the country with the largest Muslim population, the pandemic has made businesses digitize this as a market share for Islamic banks. Meanwhile, the challenges faced by Islamic banks are financing risks due to unstable market conditions, the imposition of restrictions on human mobility and limited capital investment for technology improvement.

Strategi Pengendalian Inflasi dalam Perspektif Ekonomi Islam Rahma Detik Kuriningsih; Iiz Izmuddin; Hardiansyah Padli
Risalah Iqtishadiyah Vol 2 No 2 (2023): July - December 2023
Publisher : Risalah Iqtisadiyah: Journal of Sharia Economics, Sharia Economics Study Program, STEI Ar Risalah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59107/ri.v2i2.50

Inflation is a problem that is always faced in the economy, and inflation is also the main agenda of politicians and government policy makers. This research aims to find out how to control inflation from an Islamic Economics perspective. This research is a literature study. Sources of information and data used in articles come from scientific journals and books that are appropriate to the topic being studied. The research results reveal that inflation can be controlled through the implementation of a Sharia-based monetary system, currency management from an Islamic perspective, fair distribution of income and investment in the productive sector as well as supervision and regulation through economic regulations. This research provides a new contribution by combining conventional economic analysis with the principles of Islamic Economics in understanding and overcoming inflation. The results of this research show that the inflation control strategy from an Islamic Economics perspective offers a comprehensive and sustainable solution, taking into account moral, social and economic dimensions. Implementing these strategies requires strong commitment from all parties. This research paves the way for further, more in-depth research on the implementation of inflation control strategies from an Islamic Economics perspective in various contexts and scales.

Etika Bisnis Islam dan Maqashid al-Shariah dalam Praktik Pinjaman Online Hardiansyah Padli; Kurningsih, , Rahma Detik
AL-ITTIFAQ Jurnal Ekonomi Syariah Vol. 5 No. 2 (2025): Al-Ittifaq : Jurnal Ekonomi Syariah
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/alittifaq.v5i2.16452

The rapid growth of financial technology (fintech), particularly online lending platforms, has expanded public access to financing through speed and convenience. However, alongside these benefits, online lending practices have generated significant ethical concerns, including excessive costs, unclear contractual terms, asymmetric power relations, and debt collection practices that may harm and psychologically pressure borrowers. This study aims to examine online lending practices from the perspective of Islamic business ethics and maqashid al-shariah, and to formulate an ethical framework for online lending oriented toward maslahah. This research employs a qualitative approach using a conceptual-analytical literature review. Data were collected from reputable national and international journal articles, classical and contemporary Islamic economics literature, and relevant regulatory documents, and analyzed through content analysis and conceptual synthesis. The findings indicate that many online lending practices do not fully reflect the principles of Islamic business ethics and the objectives of maqashid al-shariah, particularly in terms of protecting wealth, life, and intellect. The study concludes that online lending cannot be justified solely by formal legality or technological efficiency, but must be substantively evaluated based on justice, contractual transparency, social responsibility, and public welfare. This study contributes by offering an ethical framework for evaluating and developing fair and sharia-compliant fintech lending.

Digital Marketing Ethics 5.0: An Analysis of Islamic Economics Hardiansyah Padli
BALQIS : Journal of Business Innovation and Digital Marketing Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Bisnis Digital - Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/balqis.v1i2.10025

The development of the marketing landscape in the era of Marketing 5.0 is marked by the integration of advanced technologies such as artificial intelligence (AI), big data, and machine learning, which enable greater personalization and more intensive interaction with consumers. However, these advances present significant ethical challenges, including data privacy violations, greenwashing practices in sustainability claims, and potentially discriminatory algorithmic bias. These problems erode consumer trust, which is the main foundation of the digital marketing ecosystem. This study aims to analyze these issues from an Islamic economic perspective, emphasizing normative values as the basis for ethics. The method used is a conceptual analysis based on a literature review, examining literature on digital ethics in Marketing 5.0 and the basic principles of Islamic economics, such as tauhid, al-'adl, an-nubuwah, al-khilafah, and al-ma'ad. The results of the analysis show that privacy can be understood within the framework of tauhid as respect for human dignity, greenwashing can be criticized through the principles of honesty and prophetic trust, while algorithmic bias can be addressed with the principles of justice ('adl) and khailifah responsibility. Thus, the normative framework of Islamic economics is not only capable of providing ethical solutions to digital marketing issues, but also presents an alternative paradigm that emphasizes a balance between profitability, social justice, and sustainability. This study concludes that the integration of Islamic values in Marketing 5.0 is a new conceptual contribution that strengthens the literature on sustainable marketing while paving the way for the development of a theory of marketing based on transcendental ethics.

Islamic Moderation in Poverty Alleviation Strategy: A Study of Ibn Khaldun’s Economic Thought Hardiansyah Padli; Kurningsih, Rahma Detik
Modern Islamic Studies and Sharia Research Vol. 1 No. 2 (2025): December 2025
Publisher : Pascasarjana UIN Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/missr.v1i2.10343

Poverty remains an ongoing challenge in Indonesia despite relatively stable economic growth. This condition demonstrates the limitations of a technocratic approach to development, which often neglects ethical and social dimensions. This study aims to explore Ibn Khaldun's economic thinking as a basis for poverty alleviation within the framework of Islamic moderation (wasatiyyah). This study uses a qualitative approach based on literature review with thematic analysis of al-Muqaddimah and relevant contemporary literature in the field of Islamic economics. The results show that Ibn Khaldun's eight principles of development, particularly those related to the role of the state, institutions, human resource development, wealth distribution, and justice, reflect a moderate development model that integrates moral, spiritual, and economic dimensions. This model rejects extreme approaches such as minimalist or authoritarian states, and views wealth as a means of distributing social welfare, not as a tool for accumulating power. This study concludes that Ibn Khaldun's framework of thought provides a coherent epistemic foundation for inclusive and equitable development, and remains relevant to the contemporary Indonesian context. The scientific contribution of this research lies in its synthesis of classical Islamic development theory and the principles of Islamic moderation, thereby offering an alternative to conventional economic paradigms that tend to marginalize moral and social dimensions.

Digital Marketing Ethics 5.0: An Analysis of Islamic Economics Hardiansyah Padli
BALQIS : Journal of Business Innovation and Digital Marketing Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Bisnis Digital - Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/balqis.v1i2.10025

The development of the marketing landscape in the era of Marketing 5.0 is marked by the integration of advanced technologies such as artificial intelligence (AI), big data, and machine learning, which enable greater personalization and more intensive interaction with consumers. However, these advances present significant ethical challenges, including data privacy violations, greenwashing practices in sustainability claims, and potentially discriminatory algorithmic bias. These problems erode consumer trust, which is the main foundation of the digital marketing ecosystem. This study aims to analyze these issues from an Islamic economic perspective, emphasizing normative values as the basis for ethics. The method used is a conceptual analysis based on a literature review, examining literature on digital ethics in Marketing 5.0 and the basic principles of Islamic economics, such as tauhid, al-'adl, an-nubuwah, al-khilafah, and al-ma'ad. The results of the analysis show that privacy can be understood within the framework of tauhid as respect for human dignity, greenwashing can be criticized through the principles of honesty and prophetic trust, while algorithmic bias can be addressed with the principles of justice ('adl) and khailifah responsibility. Thus, the normative framework of Islamic economics is not only capable of providing ethical solutions to digital marketing issues, but also presents an alternative paradigm that emphasizes a balance between profitability, social justice, and sustainability. This study concludes that the integration of Islamic values in Marketing 5.0 is a new conceptual contribution that strengthens the literature on sustainable marketing while paving the way for the development of a theory of marketing based on transcendental ethics.

Digital Marketing Ethics 5.0: An Analysis of Islamic Economics Hardiansyah Padli
BALQIS : Journal of Business Innovation and Digital Marketing Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Bisnis Digital - Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/balqis.v1i2.10025

The development of the marketing landscape in the era of Marketing 5.0 is marked by the integration of advanced technologies such as artificial intelligence (AI), big data, and machine learning, which enable greater personalization and more intensive interaction with consumers. However, these advances present significant ethical challenges, including data privacy violations, greenwashing practices in sustainability claims, and potentially discriminatory algorithmic bias. These problems erode consumer trust, which is the main foundation of the digital marketing ecosystem. This study aims to analyze these issues from an Islamic economic perspective, emphasizing normative values as the basis for ethics. The method used is a conceptual analysis based on a literature review, examining literature on digital ethics in Marketing 5.0 and the basic principles of Islamic economics, such as tauhid, al-'adl, an-nubuwah, al-khilafah, and al-ma'ad. The results of the analysis show that privacy can be understood within the framework of tauhid as respect for human dignity, greenwashing can be criticized through the principles of honesty and prophetic trust, while algorithmic bias can be addressed with the principles of justice ('adl) and khailifah responsibility. Thus, the normative framework of Islamic economics is not only capable of providing ethical solutions to digital marketing issues, but also presents an alternative paradigm that emphasizes a balance between profitability, social justice, and sustainability. This study concludes that the integration of Islamic values in Marketing 5.0 is a new conceptual contribution that strengthens the literature on sustainable marketing while paving the way for the development of a theory of marketing based on transcendental ethics.

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