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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Hukum Islam Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Islamic Business and Finance (IBF) Jurnal Iqtisaduna Al-Maqashid: Journal of Economics and Islamic Business Al-Muzdahir: Jurnal Ekonomi Syariah Al-Faruq Qonun Iqtishad EL Madani Journal Tawazun: Journal of Sharia Economic Law Asas Law Journal
Amrul Muzan
Universitas IsIam Negeri Sultan Syarif Kasim Riau
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Kesenjangan Upah dan Keadilan Sosial terhadap Sistem Pengupahan di Indonesia Indrayani, Sufi; Muzan, Amrul
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i1.1505

Abstract

Wage disparity in Indonesia reflects a significant challenge in social justice, particularly within the wage system. This study aims to identify and analyze the factors contributing to wage inequity, including policies, corporate practices, and gender and sectoral inequalities. Using a qualitative approach, the study explores perspectives from various stakeholders, such as workers, employers, and regulators, while utilizing policy data and relevant documents for analysis. The findings reveal that structural injustices in wage distribution have widened the gap between high- and low-income workers. Factors such as differences in education, experience, and geographic location significantly contribute to this disparity. Gender-based inequality is also a major concern, with women often receiving lower wages than men despite having equivalent qualifications. In terms of policy, the study found that minimum wage regulations are often insufficient to address these inequalities. A lack of transparency in wage determination and weak regulatory enforcement exacerbate the issue. Theoretical frameworks, such as John Rawls' theory of justice, emphasize the importance of redistributing wages to benefit the most disadvantaged groups, while the efficiency wage theory suggests that higher wages can enhance worker productivity. This study recommends reforms in wage policies focused on distributive justice, increased transparency, and strengthened government regulations. These approaches are expected to create a more inclusive wage system that considers not only economic aspects but also social welfare, fostering sustainable social and economic stability in Indonesia.
Hawalah in The Digital Age: The Role of Agents in Facilitating Modern Islamic Financial Transactions Amrul Muzan; Anna Zahara; Gina Muliana; Muhammad Abdi Zaini
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.43309

Abstract

This research emphasizes the significance of hawalah in Islamic financial transactions in digital era driven by Islamic fintech. As technological advancements transform financial systems, hawalah remains crucial for facilitating Sharia-compliant international money transfers. This study examines the role of agents in ensuring Sharia compliance in digital hawalah transactions and explores the challenges and opportunities in its implementation. Using a qualitative approach, data were collected from financial agents, users, and regulators, with thematic analysis identifying key patterns. This research concluded that agents play a vital role in maintaining Sharia compliance and enhancing the efficiency of hawalah transactions in digital era. Regulatory challenges and shifts in consumer behavior pose significant hurdles. This study contribute to the formulation of policies and innovations in Islamic financial services. Keywords: hawalah digital; islamic financial agents; sharia compliance; financial transactions; technological innovation   Abstrak          Penelitian ini mengkaji signifikansi hawalah dalam transaksi keuangan syariah di era digital yang didorong oleh fintech syariah. Ketika kemajuan teknologi mengubah sistem keuangan, hawalah tetap penting dalam memfasilitasi transfer uang internasional yang sesuai dengan syariah. Studi ini menganalisis peran agen dalam memastikan kepatuhan syariah dalam transaksi hawalah digital dan mengeksplorasi tantangan dan peluang dalam penerapannya. Dengan menggunakan pendekatan kualitatif, data dikumpulkan dari agen keuangan, pengguna, dan regulator, dengan analisis tematik yang mengidentifikasi pola-pola utama. Penelitian menyimpulkan bahwa agen memainkan peran penting dalam menjaga kepatuhan syariah dan meningkatkan efisiensi transaksi hawalah di era digital. Namun, tantangan peraturan dan perubahan perilaku konsumen menimbulkan hambatan yang signifikan. Penelitian ini berkontribusi pada perumusan kebijakan dan inovasi dalam layanan keuangan syariah. Kata kunci: hawalah digital; agen keuangan syariah; kepatuhan syariah; transaksi keuangan; inovasi teknologi  
Pengaruh Literasi Keuangan Syariah terhadap Pemanfaatan Lembaga Keuangan Syariah: UMKM di Kualu Nenas Muzan, Amrul; Sarah, Mai; Amri, Dwi Primawati
ISLAMIC BUSINESS and FINANCE Vol 6, No 2 (2025): ISLAMIC BUSINESS AND FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i2.38861

Abstract

Islamic financial literacy plays an important role in encouraging communities, particularly Micro, Small, and Medium Enterprises (MSMEs), to utilize financial institutions that operate based on Sharia principles. However, the low level of public understanding of Islamic finance remains a challenge for the development of this sector. This study aims to analyze the effect of Islamic financial literacy on the utilization of Islamic financial institutions among MSME actors in Kualu Nenas Village, Kampar Regency. The research employs a quantitative approach with an associative design. The sample consists of 30 MSME actors selected through purposive sampling. Data were collected using a questionnaire and analyzed using simple linear regression with SPSS. The findings indicate that Islamic financial literacy has a positive and significant influence on the utilization of Islamic financial institutions, with a coefficient of determination (R²) of 0.639. This suggests that increased understanding of Sharia principles can enhance the optimal use of Islamic financial products and services by MSMEs. The study recommends more extensive and structured Islamic financial literacy education, especially in regions with a predominantly micro-economic base.Keywords: Institusions, Islamic Financial Literacy, Regression, MSMEs
Peran Otoritas Pengawas dalam Menanggulangi Risiko dan Memperkuat Stabilitas Perbankan Syariah Muzan, Amrul; Islami, Al Irhas; Putra, Aldy Noveriansyah; Kurnia, Febris Retno
TAWAZUN: Journal of Sharia Economic Law Vol 7, No 2 (2024): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v7i2.27811

Abstract

Islamic banking has experienced rapid growth as an alternative that aligns with Islamic principles, but it faces significant challenges in risk management and stability. This study examines the role of supervisory authorities in mitigating risks and enhancing the stability of Islamic banking. Using a qualitative approach through literature reviews and analysis of applicable regulations, this research identifies key challenges such as regulatory adaptation, risk management for Islamic financial products, and compliance with Islamic principles. Furthermore, the study proposes strategies for supervisory authorities, including regulatory innovation, international collaboration, and continuous education and training programs for industry players and supervisors. The findings reveal that the proactive role of supervisory authorities is crucial in maintaining the stability and sustainability of Islamic banking. Strategies such as risk-based supervision, the implementation of regulatory sandboxes, and enhanced synergy between supervisory authorities and Sharia Supervisory Boards (SSBs) are vital in addressing existing challenges. With effective supervision and the application of appropriate strategies, the stability of the Islamic financial system can be enhanced, supporting the sustainable growth of the Islamic economy.
ANALISIS YURIDIS DAN PENERAPAN AKAD MURABAHAH DI PERBANKAN SYARI’AH :PERMASALAHAN DAN PENYELESAIANNYA Eko Setiawan; Amrul Muzan; Tomi Hidayat; Tiko Ardian Ahmad
ASAS Law Journal Vol. 1 No. 2 (2023): ASAS Law Journal
Publisher : Yayasan Lembaga Pendidikan Asas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini mengkaji tantangan dan solusi dalam praktik akad murabahah di perbankan syariah. Murabahah merupakan salah satu produk pembiayaan yang paling populer dalam perbankan syariah, yang melibatkan penjualan barang dengan penambahan margin keuntungan yang disepakati antara bank dan nasabah. Meskipun akad ini sederhana secara teoritis, praktik di lapangan menghadapi berbagai tantangan, termasuk menjaga keaslian transaksi agar sesuai dengan prinsip syariah dan mengatasi masalah operasional seperti ketepatan waktu pengiriman barang. Penelitian ini menggunakan metode studi literatur untuk mengumpulkan dan menganalisis informasi dari berbagai sumber yang relevan. Hasil analisis menunjukkan bahwa pendekatan hukum yang tepat dan solusi operasional yang inovatif dapat mengoptimalkan penerapan akad murabahah dan memberikan manfaat maksimal bagi nasabah.
Co-Authors Amanda, Elisa Amri, Dwi Primawati Andika, R. Yopan Anjelina, Juwita Anna Zahara Arum, Hafidza Sanshia Darulhuda, Darulhuda Eko Setiawan Farhat, Muhammad Farhat Febrian Permana Gina Muliana Hasan Basri Indrayani, Sufi Islami, Al Irhas Kemas Muhammad Gemilang Kurnia, Febris Retno Lutfi, Fadil Mai Sarah Muflihul Fadhil Muhammad Abdi Zaini Muir, Syamsuddin Nazla Fatimah Fatimah Hanani Permata Sari, Tina Putra, Aldy Noveriansyah Rahman, Rifqy Riska Riska Tiko Ardian Ahmad Tomi Hidayat