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All Journal ISLAMICA: Jurnal Studi Keislaman An-Nisbah: Jurnal Ekonomi Syariah Jurnal Dakwah: Media Komunikasi dan Dakwah Al-Daulah : Jurnal Hukum dan Perundangan Islam Ekono Insentif Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ekonomi dan Bisnis Indonesia Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam El-Qist : Journal of Islamic Economics and Business (JIEB) AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Al-Sharf: Jurnal Ekonomi Islam Jurnal Jendela Pendidikan Jurnal Ekonomi Perjuangan (JUMPER) Maliyah : Jurnal Hukum Bisnis Islam Al-Buhuts (e-journal) Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Jurnal Manajemen Perbankan Keuangan Nitro Bansi (Jurnal Bisnis Manajemen Akuntansi) Jurnal Ekonomika Dan Bisnis Jurnal Ekonomi Syariah dan Bisnis Jurnal Pendidikan dan Ilmu Sosial ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Jurnal Karya Abdi Masyarakat Oportunitas Jurnal Ekonomika Manajemen Dan Bisnis Bukhori: Kajian Ekonomi dan Keuangan Islam Al Hisab: Jurnal Ekonomi Syariah AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Jurnal Serambi Ekonomi dan Bisnis Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Sains Student Research Prosiding Seminar Nasional dan Call For Paper Kebidanan Universitas Ngudi Waluyo Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Jurnal Kajian Islam dan Sosial Keagamaan Taruna Law El-Mujtama: Jurnal Pengabdian Masyarakat An-Nisbah: Jurnal Ekonomi Syariah Madania: Jurnal Kajian Keislaman Jurnal Ekonomi dan Bisnis Islam
Sri Wigati
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Sistem Keuangan Tanpa Riba Dalam Pemikiran Ekonomi Islam Kontemporer Solusi Atas Krisis Utang Dan Ketimpangan Pembiayaan Di Indonesia Nabilah, Alya Nur Fadiyah Fahdatun; Sidik, Arian Farid As; Nurusman, Gebi Firyanti; Wigati, Sri
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 9 No. 1 (2026): Volume for National Collaboration
Publisher : LP2M IBK Nitro

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Abstract

This study aims to analyze the concept of a riba-free financial system in contemporary Islamic economic thought and its relevance as a solution to Indonesia’s debt crisis and financing inequality. The research employs a qualitative-descriptive library method by examining the works of modern Islamic economic scholars and data related to national financing conditions. The findings show that a riba-free financial system, based on the principles of justice, profit-and-loss sharing, and transparency, offers a more stable and inclusive alternative compared to interest-based mechanisms. The application of these principles has the potential to reduce household debt burdens, expand financing access for MSMEs, and improve economic distribution. Therefore, the Islamic financial system provides a significant contribution to strengthening Indonesia’s financing structure. Keywords: Islamic Economics, Financing Inequality, Debt Crisis, Riba, Financial System
Analisis Maqasid Al-Syariah menurut Imam Al-Ghazali tentang Konsep Kebutuhan dan Keinginan dalam Masyarakat Izza, Aqidatul; Nuraini, Intan Tri; Amwal, M. Aviek Ulul; Wigati, Sri
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 6 No. 1 (2026): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

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This study aims to analyze the concept of needs and wants in modern society through the perspective of Maqasid al-Syariah according to Imam al-Ghazali. The rapidly growing consumerist and materialistic phenomenon due to globalization, digital technology, and hedonistic culture has caused a shift in consumption priorities so that the boundaries between needs and wants have become blurred. Through a qualitative research method based on literature studies, this study examines al-Ghazali's thoughts on al-daruriyyat al-khams and the categorization of human needs which include dharuriyyah, hajiyyah, and tahsiniyyah. The results show that the concept of maqasid formulated by al-Ghazali provides an ethical and normative framework that can direct people's consumption patterns to align with the principles of benefit, moderation, and material-spiritual balance. These findings also confirm that the application of maqasid values can be a solution to various negative impacts of modern consumerism, such as wasteful behavior, social inequality, and moral degradation. This study concludes that Maqasid al-Syariah is relevant as an ethical guideline in building proportional and civilized consumption behavior in the contemporary era.
SISTEM KEUANGAN TANPA RIBA DALAM PEMIKIRAN EKONOMI ISLAM KONTEMPORER SOLUSI ATAS KRISIS UTANG DAN KETIMPANGAN PEMBIAYAAN DI INDONESIA Nabilah, Alya Nur Fadiyah Fahdatun; As Sidik, Arian Farid; Nurusman, Gebi Firyanti; Wigati, Sri
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 2 No. 1 (2026): Special Volume for International Collaboration ASEAN Countries
Publisher : LP2M IBK Nitro

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Abstract

This study aims to analyze the concept of a riba-free financial system in contemporary Islamic economic thought and its relevance as a solution to Indonesia’s debt crisis and financing inequality. The research employs a qualitative-descriptive library method by examining the works of modern Islamic economic scholars and data related to national financing conditions. The findings show that a riba-free financial system, based on the principles of justice, profit-and-loss sharing, and transparency, offers a more stable and inclusive alternative compared to interest-based mechanisms. The application of these principles has the potential to reduce household debt burdens, expand financing access for MSMEs, and improve economic distribution. Therefore, the Islamic financial system provides a significant contribution to strengthening Indonesia’s financing structure.
Co-Authors Abdimalik Mohamed Ibrahim Ali Abdul Wahid Achmad Room Fitrianto Addailami, Yusuf Agastya, Mochammad Rievaldo Agus Afandi Ahmad Syarifuddin Alfawwaz, Qathrina Qanitatin Nadhirah Amwal, M. Aviek Ulul Ana Toni Roby Candra Yudha Annisa Rahma Firdaus ARINI PUTRI SAFINA As Sidik, Arian Farid Asri Rizky Asy'ari, Mochammad Syahrul Audia, Famela Bachtiar, Garyl Nizam Choirunnisa, Wanda Hana Damayanti, Arnelisa Damhuri, Dedi Danesh Ara Khayriya Decline, Vega Desiyanti, Nur Alfiyah Dwi Izky Aizzah Faiz An Nashrullah Fauziah, Nailatin Felizha, Febri Fitriyah, Alfina Lailatul Hammis Syafaq Hilmi, M. Faiq Mufadhol Indraeni, Elisa Indri Malita Sari izza, Aqidatul Jazil, Saiful Jessica Anggun Safitri Kartika, Habibila Najma Kurnia Dhea Prashinta Laila Ramadhani, Azzakiyatun Nisfu Lis, Kasyifa Lutfiatul Ulfa Agnesa Machmudah, Ella Lailatul Maulia, Putri Rizqi Maulud, Khabib Akhmad Al Maulud Mohammad Dliyaul Muflihin Mufida, Naily Mugiyati Muntazeri, Eliya Najma Nabilah, Alya Nur Fadiyah Fahdatun Nahda Yumna Ufairoh Naura Dwi Arta Fitriana Noviyanti, Triana Ayu Nufus, Shoufa Hyatun Nur Lailatul Musyafa'ah Nuraini, Intan Tri Nurlian Panai, Farhan Wahyu Nurul Fatma Hasan Nurusman, Gebi Firyanti Pangestu, Credo Prasetyoadi Pereira, Justa Piska Sintia Pebiolinda Pratikto, Muhammad Iqbal Surya Qurrotul Millah Rahma, Elsa Aulia Rahmani, Nur Maulidah Dini Rahmawati, Lilik Rahmawati, Rahmawati Ramdana, Alvin Bintang Retnaningrum, Nurina Devi Ridho, Aminudin Salsabila, Dewi Giri Maryam Salwa Salsabilla, Hidayaturohmaniya Sandya, Argha Sayyida Amalina Shaddiq Rosa, Teuku Sholihuddin, Muh Sidik, Arian Farid As Siti Robiatul Adawiyah Soares, Saturnina Sucilasmi Syafieqa, Fierza Syaira, Nadia Usmia, Fentiz Istiklalia Wildany, Azzahroh Nabila Al Yanita Mutiaraning Viastika Yunita, Puput Zahrah, Reisa Medyna Zuhriyeh, Aminatuz