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All Journal I-Finance Journal al-Afkar, Journal For Islamic Studies Jurnal Istiqro' MALIA NISBAH: JURNAL PERBANKAN SYARIAH OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Jurnal Tabarru': Islamic Banking and Finance Iqtishodia: Jurnal Ekonomi Syariah Journal of Islamic Economics and Finance Studies Indonesian Journal of Business Analytics (IJBA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Khusnudin
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Ethics in Islamic Markets: Exploring Their History and Impact on Islamic Civilization Izzun Nisa’Yanayiroh; Khusnudin; Fadlil Abdani
al-Afkar, Journal For Islamic Studies Vol. 8 No. 4 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i4.1825

Abstract

Islamic markets have played a key role in the history of Muslim civilization, not only as economic centers but also as venues for the application of Islamic ethics in transactions. This article examines ethical principles such as honesty, fairness, and the prohibition of usury (riba) in the context of Islamic markets, from the early Islamic era to the golden age of the caliphate. Furthermore, it addresses the challenges of Islamic markets in the modern era, including the application of Sharia principles in the global and digital economy. This study uses a literature review method to collect, assess, and integrate various relevant literature sources, with the aim of gaining deeper insights into the topic discussed. These findings demonstrate the importance of maintaining ethical values in markets to achieve social justice and economic sustainability in the future.
Fiscal Policy during the Caliph Abu Bakr ash-Siddiq Trisna Dwi Nur Rodhiyah; Khusnudin
al-Afkar, Journal For Islamic Studies Vol. 8 No. 4 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i4.1828

Abstract

Islam maintains economic stability and growth and improves economic welfare. Fiscal policy has been known since the time of Rasulullah and Khulafarasyidin. The purpose of this study is to determine the economic policy or fiscal policy implemented by Abu Bakar as Sidiq during his caliphate. This study uses qualitative research with a literature review approach. The fiscal policy implemented during the Caliphate of Abu Bakar was to emphasize the zakat instrument as state revenue which was then stored in the Baitul Mal, and then distributed to Muslims. The zakat collection policy implemented by Caliph Abu Bakar had a significant influence on the economic stability of Muslims. In addition to zakat, Abu Bakar also implemented economic policies, namely khums, jizyah, and kharaj.
Islamic Economic Civilization During the Abbasid Period as the Foundation of Modern Islamic Economics Sarina Junita; Khusnudin
al-Afkar, Journal For Islamic Studies Vol. 8 No. 4 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i4.1861

Abstract

The more advanced and the longer the gap between the lifetime of the Prophet Muhammad and the subsequent eras of governance, the more changes occurred in social, political, and economic structures. Although the principles taught remain guiding standards, the evolving challenges of time require adjustments in applying these values. This illustrates how the implementation of Islamic teachings must remain relevant to different contexts, both in governance and social life. The Abbasid dynasty, extending into the modern era, brought significant changes, especially in economics. During the Abbasid period, the economy reached its golden age. The policies and measures taken during the Abbasid era had a profound impact on today's economy. The author examines how the Abbasid administration improved various economic sectors, such as irrigation, infrastructure, agriculture, mining, trade, and funding for scientific research. The author sees the potential of modern economies by applying the Abbasid system, hoping for a prosperous economy Similar to that of the Abbasid era. This research was conducted using a qualitative literature review methodology, drawing from scholarly works and relevant magazines. The research findings reveal that there are similar values and policies that have been carried over into the present day, which were inspired by the Abbasid period.
The Role of Information Technology in Zakat Management at the National Zakat Collection Agency Rahmani; Khusnudin
al-Afkar, Journal For Islamic Studies Vol. 8 No. 4 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i4.1870

Abstract

Although technology and information in Indonesia have been widely used in various aspects such as zakat management, it is known that there are still obstacles during implementation. The obstacles faced include low public awareness in knowing about the use of technology in the process of managing zakat, the lack trained human resources in managing information technology systems, especially in the field of zakat, and limited technological infrastructure in certain areas. The purpose of this writing is to provide an analysis of the role of information technology in managing zakat at the national zakat collection agency. The writing method uses a qualitative type. The results and conclusions drawn are that Baznas (National Zakat Collection Agency) in distributing, managing, or collecting zakat can be assisted by the existence of technology such as AI, IoT etc. In managing zakat, Baznas uses two types of software, namely SIMBA (Baznas Information Management System, in this application, financial report printing, distribution and operations, zakat collection, muzakki and mustahik management will presented. Second software used by Baznas is ERP (Enterprise Resource Planning) intended for Baznas in managing finances through cooperation with Financial Information System.
PENGARUH MAKROEKONOMI TERHADAP NPF PADA BANK UMUM SYARIAH DI INDONESIA Nilam Anjani, Kin Kin; Khusnudin
Jurnal Tabarru': Islamic Banking and Finance Vol. 9 No. 1 (2026): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2026.vol9(1).27306

Abstract

Tujuan dari penelitian ini adalah menelaah dampak inflasi, BI Rate, dan pertumbuhan GDP terhadap tingkat pembiayaan bermasalah pada Bank Umum Syariah di Indonesia selama periode 2018-2024 dengan menggunakan pendekatan kuantitatif bersifat eksplanatori. Penentuan sampel dilakukan secara purposive terhadap 10 Bank Umum Syariah, dengan memanfaatkan data Otoritas Jasa Keuangan, BI, dan BPS, serta ditelaah dengan pendekatan regresi panel. Temuan analisis mengindikasikan bahwa ketiga variabel makroekonomi tersebut, baik secara terpisah maupun bersamaan, tidak memberikan dampak signifikan terhadap NPF. Kajian ini memberikan bukti bahwa perubahan kondisi makroekonomi tidak secara langsung berdampak pada kualitas pembiayaan perbankan syariah. Hal tersebut dipengaruhi oleh kuatnya penerapan manajemen risiko internal, karakteristik akad pembiayaan syariah yang tidak bergantung pada mekanisme suku bunga, serta penerapan prinsip kehati-hatian dalam proses penyaluran dan pengawasan pembiayaan. Selain itu, pertumbuhan GDP yang tidak merata antar sektor menyebabkan peningkatan ekonomi secara agregat belum mampu meningkatkan kemampuan pembayaran nasabah secara menyeluruh. Oleh karena itu, tingkat NPF pada bank syariah cenderung lebih ditentukan oleh faktor internal bank dan kinerja usaha nasabah dibandingkan dengan faktor makroekonomi.
Co-Authors Al Maulud Anis Tri Rahmawati AUNUR ROFIQ Dinda Ruliana Dewi Egie Nugraha, Diki Eko Suprayitno Emiliani Fadlil Abdani Hilmi Maulana, Muhammad Hisnidah, Mukaromatul Izzun Nisa’Yanayiroh Jannara Dewaji Jauharudin, Fahmi Kevin Junjung Miharta Kholidatul Mila Kholiq, Mairummah Maimuna, Islamiyah Moh Syarif Jauhari Muhammad Iqbal Fatoni Muhammad Zaenal Arifin Nilam Anjani, Kin Kin Rahmad Kurniawan Rahmani Rofiq , Aunur Rofiq, Mokhammad Ainur Rosyidi, Laily Sarina Junita Trisna Dwi Nur Rodhiyah