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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Al-Qardh Al-Mustashfa Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah MAHKAMAH: Jurnal Kajian Hukum Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Global Citizen : Jurnal Ilmiah Kajian Pendidikan Kewarganegaraan JMM (Jurnal Masyarakat Mandiri) At-Tawassuth: Jurnal Ekonomi Islam MALIA IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Nizham Journal of Islamic Studies At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Adzkiya : Jurnal Hukum dan Ekonomi Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Abdimas UNWAHAS : Jurnal Pengabdian Masyarakat UNWAHAS Dimasejati: Jurnal Pengabdian Kepada Masyarakat KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH BERNAS: Jurnal Pengabdian Kepada Masyarakat Indonesian Journal of Islamic Business and Economics (IJIBE) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) El-Iqtishady Jurnal Akuntansi dan Keuangan (JAK) Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Salam (Islamic Economics Journal) Al Fiddhoh: Journal of Banking, Insurance, and Finance el-Jizya: Jurnal Ekonomi Islam Mabsya: Jurnal Manajemen Bisnis Syariah Islamic Economic and Business Journal CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Akademika : Jurnal Pemikiran Islam Journal of Comprehensive Science PERADABAN JOURNAL of ECONOMIC and BUSINESS Journal of Accounting and Finance Management (JAFM) Jurnal Ilmu Multidisplin Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Jeksyah Journal of Islamic Economics Lariba Jurnal Manajemen, Akuntansi, Ekonomi Velocity: Journal of Sharia Finance and Banking Journal of Social Science and Business Studies Jurnal Global Ilmiah Jurnal Ekonomi Bisnis Antartika Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen AB-JOIEC: Al-Bahjah Journal of Islamic Economics Jurnal Inovasi Global JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan JURNAL MULTIDISIPLIN ILMU AKADEMIK Insight : International Journal of social research Journal of Sharia Accounting and Tax (JSAT Wealth: Journal of Islamic Banking and Finance EduBase: Journal of Basic Education Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Nusa Manajemen Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Jurnal Kajian Ekonomi dan Perbankan Syariah Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Journal of Sharia Tourism and Hospitality Cirebon International Journal of Economics and Business Journal of Sharia Micro Enterprise and Cooperation Al-Wajih: The Journal of Islamic Studies Contemporary Islamic Economic and Business Review Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Wartoyo Wartoyo
(Scopus ID 59361997400) UIN Siber Syekh Nurjati Cirebon
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Comparing Pre and Post-Merger Performance of Bank Syariah Indonesia: A Maqashid Shariah Index Analysis Inarawi, Wiwi; Djuwita, Diana; Wartoyo, Wartoyo; Wahyuningsih, Nining
Li Falah: Journal of Islamic Economics and Business Vol. 9 No. 1 (2024): June 2024
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10779

Abstract

This study evaluates the performance impact of Indonesia's landmark Islamic bank merger by comparing pre and post-merger performance using the Maqashid Shariah Index (MSI) framework. The research analyzes performance data from the three merged banks - Bank Rakyat Indonesia Syariah (BRIS), Bank Negara Indonesia Syariah (BNIS), and Bank Syariah Mandiri (BSM) - for five years prior to their merger (2016-2020), and compares it with two years of post-merger data (2021-2022) from Bank Syariah Indonesia (BSI). Using a quantitative approach with descriptive verification methods, the study employs Simple Additive Weighting and Mann-Whitney U Test to analyze performance across three MSI dimensions: education of individuals (Tahzib al-Fard), establishment of justice (Iqamah al-Adl), and promotion of welfare (Jalb al-Maslahah). The findings reveal that among the pre-merger banks, BSM demonstrated the strongest overall MSI performance. Post-merger analysis shows that while BSI achieved performance stability in its first two years, its MSI score remains slightly below the pre-merger average. Statistical analysis using the Mann-Whitney U Test indicates no significant performance differences between pre and post-merger periods across all MSI dimensions. These results provide important insights for Islamic banking practitioners and regulators regarding the early performance outcomes of this strategic merger while highlighting opportunities for further optimization of BSI's adherence to Shariah objectives.
Strategi Pengembangan Wisata Religi Plangon dengan Menggunakan Pendekatan Pentahelix Jannah, Isroqtul; Anwar, Abdul Muiz Abdul Wadud Kasyful; Wartoyo, Wartoyo
Journal of Sharia Tourism and Hospitality Vol. 3 No. 1 (2025): Journal of Sharia Tourism and Hospitality
Publisher : Department of Sharia Tourism, Faculty of Islamic Economics and Business UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/jetour.v3i1.83

Abstract

Wisata religi Plangon sangat berpotensi untuk menjadi wisat religi dan wisata alam, karena selain adanya makam Pangeran Panjunan dan Pangeran Kejaksan ada juga pemandangan alam dimana terdapat bukit didalamnya disertai satwa monyet ekor panjang sehingga mempunyai daya tarik tersendiri. Namun saat ini masih belum terkelola dengan baik hal ini disebabkan oleh beberapa faktor diantaranya belum adanya strategi pengembangan wisata religi yang dilakukan, sumber daya manusia yang masih minim, kurangnya sarana dan prasarana yang ada. Penelitian ini bertujuan untuk menjawab rumusan masalah dimana mengungkapkan peran ke lima pentahelix yaitu akademsi, pelaku usaha, masyarakat, pemerintah dan media. Penelitian ini merupakan penelitian kualitatif, data yang dikumpulkan melalui observasi, wawancara dan dokumentasi kemudian dianalisis menggunakan metode analisis data yaitau pendekatan pentahelix. Hasil penelitian ini yaitu: peran kelima unsur pentahelix pertama akademisi pemberi keilmuan dan pemikiran, kedua pelaku usaha penghubung antara pihak pengelola dan wisatawan, ketiga masyarakat berperan sebagai pelaku yang terlibat dalam pengembangan wisata, keempat pemerintah berperan sebagai control kebijakan dan kelima media berperan sebagai media promosi dan pengawas yang mengawasi jalannya pengelolaan wisata.
Analisis Komparasi Kinerja Bank Umum Syariah di Indonesia Menggunakan Maqashid Sharia Index Noval Kurnia; Wartoyo; Syaeful Bakhri
Velocity: Journal of Sharia Finance and Banking Vol 5 No 1 (2025): Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i1.10343

Abstract

Sektor perbankan syariah di Indonesia menunjukkan pertumbuhan yang signifikan, namun metode pengukuran kinerja yang selaras dengan prinsip-prinsip syariah masih menjadi isu krusial. Penelitian ini bertujuan untuk menganalisis dan membandingkan kinerja Bank Syariah Indonesia (BSI) dan Bank Muamalat Indonesia (BMI) dengan menggunakan pendekatan Maqashid Sharia Index (MSI) selama periode 2022-2023. MSI berfungsi sebagai alat ukur untuk mengevaluasi sejauh mana kedua bank telah berhasil mencapai tujuan-tujuan syariah, yang mencakup pengembangan kualitas sumber daya manusia, penegakan prinsip keadilan, dan peningkatan kesejahteraan masyarakat. Data laporan keuangan tahunan dari BSI dan BMI dianalisis untuk menghitung skor MSI masing-masing bank, yang kemudian digunakan sebagai dasar perbandingan kinerja. Hasil penelitian mengungkapkan bahwa kedua bank mengalami peningkatan dalam pencapaian tujuan-tujuan syariah. BMI menunjukkan kinerja yang lebih baik dalam aspek penegakan keadilan, sementara BSI unggul dalam kontribusi terhadap pendidikan dan kesejahteraan. Penelitian ini menyajikan wawasan yang berharga bagi pengembangan industri perbankan syariah di Indonesia, serta dapat menjadi rujukan penting bagi penelitian-penelitian selanjutnya di bidang ini.
Evolusi Pemikiran Ekonomi Islam Monzer Kahf: SLR 2020-2024 Asieh, Ikeu Triana Yulie; Chairunnisa, Chairunnisa; Wartoyo, Wartoyo
Jurnal Global Ilmiah Vol. 2 No. 10 (2025): Jurnal Global Ilmiah
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/jgi.v2i10.240

Abstract

This study examines the contributions and evolution of Monzer Kahf’s Islamic economic thought through a Systematic Literature Review of scientific publications from 2020 to 2024. The background of this research is driven by the growing academic interest in Kahf’s ideas as a response to various contemporary economic challenges, such as excessive consumption and unequal wealth distribution. The research method involved reviewing 15 scholarly articles that met inclusion criteria and analyzing them thematically to capture the development of Kahf’s thought. The findings indicate that Kahf’s ideas have significantly evolved and serve as a key reference in important topics such as Islamic consumption, the concept of homo Islamicus, final spending, and Sharia fiscal policy. These concepts reflect an Islamic economic approach that integrates rationality, spirituality, and social justice. The study highlights Monzer Kahf’s strategic role in shaping an Islamic economic framework that is not only theoretical but also practical and contextually relevant to contemporary economic issues. This research strengthens the understanding that Kahf’s thought forms a crucial foundation for the development of modern Islamic economics capable of addressing current social and economic dynamics. Thus, this study makes a significant academic contribution to the theory and practice of Islamic economics.
Kebijakan Fiskal Dan Moneter Dalam Ekonomi Islam Perspektif Pemikiran Al Maqrizi Fadilah, Dimas; Rosyid, Abdul; Wartoyo, Wartoyo
Jurnal Inovasi Global Vol. 3 No. 7 (2025): Jurnal Inovasi Global
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jig.v3i7.367

Abstract

This study aims to examine Al-Maqrizi's economic thought regarding fiscal and monetary policy in depth and evaluate its relevance in the context of contemporary Islamic economics. Using a qualitative approach and literature review of Al-Maqrizi's main work Ighātsah al-Ummah bi Kashf al-Ghummah, this study identifies Al-Maqrizi's critical thinking on the phenomena of inflation, fiscal injustice, and monetary instability that occurred during the Mamluk Dynasty. Al-Maqrizi distinguishes inflation into two types: natural inflation caused by external factors and artificial inflation caused by human error, such as corruption, excessive taxation, and uncontrolled money printing. In the fiscal aspect, he emphasizes the importance of justice in the tax system, the optimization of zakat for wealth distribution, and efficiency in managing state expenditures. In monetary policy, he advocated the use of the dinar-dirham currency standard and rejected the practice of mixing metals that degraded the quality of money. His ideas align with modern economic theories, such as Gresham's Law and the quantity theory of money, while reaffirming Sharia principles that prioritize justice and balance. Research findings indicate that Al-Maqrizi's contributions are relevant in designing a fair, ethical, and sustainable Islamic economic policy system and can serve as an important reference for Muslim countries in addressing contemporary economic challenges.
The Paradigm of Economic Justice from Abu 'Ubaid's Perspective and Its Relevance in Indonesia Irsad; Purwati, Poni; wartoyo, Wartoyo
Journal of Sharia Micro Enterprise and Cooperation Vol. 2 No. 2 (2025): Journal of Sharia Micro Enterprise and Cooperation
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/jsmec.v2i2.13

Abstract

 This study examines the relevance of Abu Ubaid's Islamic economic thought, particularly aspresented in his seminal work, Kitab al-Amwal, to the concept of economic justice in theIndonesian context. The research aims to examine how his principles—rooted in justice, public finance, zakat distribution, and state responsibility—can be applied to modern economic governance in a Muslim-majority country. Using a qualitative approach with a library research method, the study analyzes primary and secondary literature, including classical texts and contemporary journal articles from scholarly databases such as Scopus and ProQuest. The findings highlight four key ideas in Abu Ubaid’s philosophy: justice as the core principle of economic order, wealth distribution based on need, state-managed public finance for societal welfare, and balanced taxation respecting all citizens' rights and obligations. These principles align with Indonesia’s constitutional goals, especially Article 33 of the 1945 Constitution, which emphasizes equitable efficiency and economic democracy. However, the study notes that current zakat administration and fiscal practices in Indonesia have not fully realized Abu Ubaid’s ideals. The research contributes theoretically to Islamic economics by contextualizing classical thought in a modern nation-state and offers practical implications for policymakers. It underscores the need to integrate classical Islamic values—such as just taxation and state accountability—into Indonesia’s fiscal strategy to promote social justice, reduce poverty, and support sustainable development.
Study of the Concept of Ashabiyah Ibnu Khaldun in the Development of Human Resources for Modern Economic Development Meilinda, Shinta; Pelitawati, Eva; wartoyo, Wartoyo
Journal of Sharia Micro Enterprise and Cooperation Vol. 2 No. 2 (2025): Journal of Sharia Micro Enterprise and Cooperation
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/jsmec.v2i2.14

Abstract

Ibn Khaldun, as one of the early figures in the disciplines of economics, sociology, and the philosophy of history, emphasized the importance of integrating spiritual, social, and intellectual values in the human development process. Process. In Muqaddimah, he describes the relationship between the quality of human resources, social cohesion (asabiyyah), the education system based on adab, and the state’s role in creating a sustainable civilization. This research aims to examine Ibn Khaldun's thoughts on human resource development (HRD) and relate them in the context of the modern economic development paradigm. This research employs a qualitative approach, utilizing the method of literature study and critical analysis. The study found that Ibn Khaldun's thought is very highly relevant to addressing the challenges of human resource development in the era of globalization. The results of the study reveal that the integrative model between Ibn Khaldun's thought and modern economics comprises seven main pillars: transcendental values, holistic education, social cohesion, lifelong learning, a balanced role of the state and the market, a multidimensional measurement system, and fair institutional governance. Thus, this research recommends an approach to human resource development that is not merely economically oriented, but also integrates moral, social, and spiritual aspects to create sustainable and civilized development.
The Development of The Indonesian Taxation System amid a Fiscal Crisis (an Analysis of Abu Yusuf's Thought) Apriliyani, Feni; Muztahidin, Muhamad; wartoyo, Wartoyo
Journal of Sharia Micro Enterprise and Cooperation Vol. 2 No. 2 (2025): Journal of Sharia Micro Enterprise and Cooperation
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/jsmec.v2i2.15

Abstract

Low levels of tax compliance, inequality in tax contributions, and suboptimal tax management, particularly in the informal sector and the digital economy, pose significant challenges to the Indonesian tax system amid the fiscal crisis. This study aims to analyze Abu Yusuf's thoughts on developing the Indonesian tax system, particularly in addressing problems during the fiscal crisis. This study employs a qualitative approach, utilizing a literature review method, to examine Abu Yusuf's thoughts as presented in the Book of al-Kharaj, as well as other literature that discusses the implementation of the tax system in Indonesia. The results of the study indicate that the principle of justice in tax collection, as put forward by Abu Yusuf, such as progressive taxes adjusted to the community's ability and transparency in tax management, are relevant to be applied in the Indonesian tax system. Therefore, it is recommended that the Indonesian government introduce a more progressive tax policy that prioritizes the informal sector, increases transparency, and enhances the digitalization of the tax system to create a fairer and more efficient tax system. In the context of the ongoing fiscal crisis, implementing a more progressive tax policy that includes the informal sector, supported by digitalization of the tax system, can broaden the tax base while increasing taxpayer compliance.
Komparasi Kinerja Bank Umum Syariah di Indonesia: Analisis Islamicity Performance Index  (IPI) Wartoyo; Amalia Habibah, Sabrina; Abdul Wadud Kasyful Anwar, Abdul Muiz; Nur Haida, Nur
Salam (Islamic Economics Journal) Vol. 6 No. 1 (2025): June 2025
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/6cjcz141

Abstract

This research aims to measure the performance of Indonesian sharia banks and Indonesian Muamalat Bank using the Islamic performance index method. This method does not only measure financial performance, but is a method that is able to reveal the materialistic and spiritual values that exist in Islamic banks. The method used in this research is a qualitative descriptive method with data collection techniques using documentation techniques in annual reports on the official websites of each bank. The research results of these five ratios show the same results for four indicators, namely profit sharing ratio, zakat performance index, Islamic income vs non-Islamic income and Islamic investment vs non-Islamic investment where Indonesian Sharia Bank and Indonesian Muamalat Bank have a very unsatisfactory rating. However, the equitable distribution ratio indicator for Bank Muamalat Indonesia has a very satisfactory predicate, while for Indonesian sharia banks it has an unsatisfactory predicate. Keywords: Financial Performance, Sharia Bank, Islamic Performance Index
The Role of Social Proof in The Decision-Making of The Rural Community Of Cirebon to Become Customers of Sharia Microfinance Institutions Sukarnoto, Toto; Wartoyo; Cahyono, Heru
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 6 No. 2 (2025): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecopreneur.v6i2.3578

Abstract

The principle of social proof is one of the most powerful cognitive heuristics in decision making. This phenomenon is particularly relevant in the context of financial decision making, especially when individuals face uncertainty or complexity in financial product information. The purpose of this study is to describe the most dominant forms of social proof in encouraging the use of Islamic microfinance institutions in rural communities that are steeped in social and religious values. The research methodology uses a qualitative approach with a phenomenological design to gain an in-depth understanding of the experiences and perceptions of rural communities regarding social proof in their decision-making to become customers of Islamic microfinance institutions. The results of the study show that the role of religious leaders, the community, the community's experience interacting with Islamic financial institutions, the participation of microfinance institutions in the community, and the support of village officials and apparatus are able to motivate and convince the rural community to make decisions in transactions with Islamic microfinance institutions.
Co-Authors AA Sudharmawan, AA Aan Djaelani Aan Jaelani Aan Jailani Abdul Aziz Abdul Aziz Abdul Aziz Abdul Ghoni Abdul Ghoni Abdul Rosyid Abdul Wadud Kasyful Anwar, Abdul Muiz Agustin, Safira Agustina, Riyana Ainun, Ayi Siti Ali Arifin Alvien Septian Haerisma Alya Fauzi Zaizafun Amalia Habibah, Sabrina Amalia, Tia Anita Trisiana Anita Trisiana, Anita Anton Bawono Anton Sudrajat Anwar, Abdul Muiz Abdul Wadud Kasyful Apriliyani, Feni Aris Budiman Arya Kemuning Asieh, Ikeu Triana Yulie Asni Komalasari Awaliya Rahma, Tiara Ayus ahmad Yusuf Ayus Ahmad Yusuf Azizan Sentosah Hutabarat Bahjatulloh, Qi Mangku Bakhri, Syaeful Catur Wahyudi, Catur Chairunnisa Chairunnisa David Viansyah Diana Djuwita, Diana Disuma, Anggara Dwi Safitri, Dwi Fadilah, Dimas Fajriyatin, Fajriyatin Faridah Irmayanthy Farrakhan, Soulthan Akbar Fatinah, Lulu Fauzan Feri Hardiyanto Fitria Eka Permata Ghozali, Mohamad Hafif, Alimul Halla Novitasari Hamdalah, Nurul Hanami, Azzahra Septia Haqqiquddin Rokhmatulloh, Muhammad Raisa Hendra Yulia Rahman Heru Cahyono Hikam Muhtadi Zuhdi Inarawi, Wiwi Iqbal Noor Iqbal, Moh Irsad Iskandar zulkarnaen, Mohamad Istighfarah, Istighfarah Jakaria, Dandy Jannah, Isroqtul Joni Kusumadewi, Rita Layaman Layaman Layaman Layaman Layaman Layaman Layaman, Layaman Lestari, Ayu Gumilang Lisa Pratiwi Listriyani, Futri Lukman Lutfiyanti, Lutfiyanti Makmuri Ahdi Maulidina, Devrina Meilinda, Shinta Melandari, Esta Meutia, Nova Gina Mohammad Subkhan Mubarok Fatahillah Muhammad Khairul Umam Mulsim, Muhammad Irfai Munjat, Ma'mur Mutadi Mutadi, Mutadi Muztahidin, Muhamad Nabila, Putri Nila Ernila NINING WAHYUNINGSIH Nova Gina Meutia Noval Kurnia Novi Nur Azizah Novitasari, Halla Nur Eka Setiowati, Nur Eka Nur Eka Setyowati Nur Fithriya, Milla Nur Haida Nur Haida Nur Haida Nur Haida, Nur Nur Kholis Nur Syam Nurrohmah, Faiza Intan Nursusilo Wati, Shinta Julia NURUL WULANDARI Pelitawati, Eva Prastyo, Dony Purwati, Poni Qi Mangku Bahjatulloh Raihan Yahya Ismail Ridwan Widagdo Rifqi Muthoharul Janan Rismaya, Erin Rochanda Wiradinata Rokhmat Subagiyo Rosviana, Mohammad Irfan Saefulloh , Eef Saefulloh, Eef Sari, Ama Farida Sherly Nur Jamila Sigit Nurhendi Silviya Maharani Siti Supeni Solikhul Mujab Soviana, Dina Sri Rokhlina Sari Sri Rokhlinasari Sukarnoto, Toto Sutoyo Sutoyo Ulfain Usman Usman Usman Usman Whardana, Karisma Kusuma Wihan Aria Tinandi Wiyani, Silva Yetti, Febri Delmi Zaizafun, Alya Fauzi