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All Journal Jurnal Manajemen dan Agribisnis AGRIPITA: Jurnal Agribisnis dan Pembangunan Pertanian JURNAL ANALISIS KEBIJAKAN KEHUTANAN I-ECONOMICS: A Research Journal on Islamic Economics Jurnal Empirika Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi Islam Kinestetik : Jurnal Ilmiah Pendidikan Jasmani JURNAL MAHASISWA BK AN-NUR : BERBEDA, BERMAKNA, MULIA IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Seminar Nasional Lahan Suboptimal Iqtishoduna: Jurnal Ekonomi Islam JKP (Jurnal Konseling Pendidikan) Al Ahkam Jurnal Review Pendidikan dan Pengajaran (JRPP) EkBis: Jurnal Ekonomi dan Bisnis Abdi Dosen : Jurnal Pengabdian Pada Masyarakat PUBLIKASI PENELITIAN TERAPAN DAN KEBIJAKAN AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Community Development Journal: Jurnal Pengabdian Masyarakat Oeconomicus Journal of Economics JES (Jurnal Ekonomi Syariah El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Dinamika Ekonomi Syariah Journal of Civil Engineering and Planning (JCEP) Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Agrimansion: Agribusiness Management & Extension Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Enthusiastic : International Journal of Applied Statistics and Data Science Unram Journal of Community Service (UJCS) Agroteksos SRIWIJAYA JOURNAL OF ENVIRONMENT Journal of Infrastructure and Civil Engineering Jurnal Pengabdian Inovasi dan Teknologi Kepada Masyarakat Jurnal Riset Pendidikan dan Pengajaran (JRPP) Sharia Agribusiness Journal EKONOMIKA SYARIAH : Journal of Economic Studies Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Mutlaqah: Jurnal Kajian Ekonomi Syariah ITQAN: Journal of Islamic Economics, Management, and Finance Journal of Artificial Intelligence and Digital Business Jurnal Teknologi & Rekayasa Sipil Jurnal Ekonomi Islam Maliki Islamic Economics Journal Jurnal Riset Perbankan Syariah Moderasi : Journal of Islamic Studies Amal: Jurnal Ekonomi Syariah Jurnal Ekonomi Kreatif Indonesia Ekonom : Jurnal Ekonomi dan Bisnis IIJSE Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) Jurnal Akuntansi dan Keuangan Islam (JAKIs) Jurnal Maps (Manajemen Perbankan Syariah) Accounting Studies and Tax Journal Journal of Computer Science Contributions (Jucosco) Iqtishodiah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Penelitian Mahasiswa Ilmu Sosial, Ekonomi, dan Bisnis Islam (SOSEBI) An-Nisbah: Jurnal Ekonomi Syariah Impression : Jurnal Teknologi dan Informasi Ecobankers : Journal of Economy and Banking Jurnal Keislaman Jurnal Ekonomi, Manajemen, Akuntansi Man-Ana Rashid
Muhammad Yazid
Universitas Sriwijaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Public Health Social Sciences Transportation Other

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Non-Hybrid Risk Management: Integration of Sharia Maqashid and Fintech in Risk Mitigation in Sharia Financial Institutions Sarifah, Sarifatul Aini; Yazid, Muhammad
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 17 No. 2 (2025): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/agj0zy07

Abstract

Non-performing financing is one of the main challenges in the Islamic finance industry that can have an impact on the stability and sustainability of Islamic financial institutions (LKS). Unlike the conventional system, LKS is bound to sharia principles, which requires a contract-based risk mitigation mechanism and risk-sharing. This study aims to analyze various approaches to sharia risk management in dealing with non-performing financing through literature study methods. Data was obtained from various scientific literature, regulations, and fatwas related to financing risk management in LKS. The results show that contract-based approaches, such as murabahah, ijarah, musyarakah, and mudharabah, have different levels of risk that require specific mitigation strategies. In addition, the principles of maslahah and ta'awun can be implemented in the form of a fairer and more sustainable financing restructuring. The study also found that a combination of early warning systems, business mentoring, and the use of big data-based technology can increase the effectiveness of sharia risk management. In conclusion, the sharia approach in mitigating problematic financing is not only oriented towards profitability, but also on the balance of justice, protection of customer rights, and Islamic economic stability. This finding is expected to be a reference for regulators and Islamic finance practitioners in formulating more effective risk mitigation policies.
Tourist Preference Analysis Based on Google Reviews Using the DBSCAN Method Qori'atunnadyah, Marita; Murni, Cahyasari Kartika; Choiri, Achmad Firman; Marianto, Hadi; Yazid, Muhammad
Enthusiastic : International Journal of Applied Statistics and Data Science Volume 5 Issue 2, October 2025
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/enthusiastic.vol5.iss2.art7

Abstract

Tourism is a strategic sector contributing to regional economic growth. Although Lumajang Regency offers prominent natural destinations, data-based insights into tourist preferences remain limited. This study analyzed tourist preferences using Google Reviews through a text mining approach that integrated the density-based spatial clustering of applications with noise (DBSCAN) algorithm and lexicon-based sentiment analysis. Data were collected via web scraping from six major destinations, yielding 16,904 reviews, of which 9,800 contained analyzable text. The text data were preprocessed using the term frequency-inverse document frequency (TF–IDF) to generate numerical representations prior to clustering. Using DBSCAN with parameters ε = 0.8 and MinPts = 4, one main cluster comprising 9,353 reviews and 447 outliers was identified. The main cluster was dominated by keywords such as waterfall, beautiful, and scenery, emphasizing the visual appeal of Tumpak Sewu as Lumajang’s tourism icon, while the outliers reflected reviews from international visitors and practical travel information. Sentiment analysis showed that most reviews were positive (68.0%), followed by neutral (24.1%) and negative (7.9%). These findings indicate a predominantly positive perception of Lumajang tourism, though accessibility and facilities require improvement. The study demonstrates the potential of digital review data for developing data-driven tourism management and promotion strategies.
Education and Action Movement of Climate Smart Agriculture Farmers: Adapting and Mitigating the Impacts of Climate Change on Agricultural Peatland in Perigi Village Adriani, Dessy; Yazid, Muhammad; Yamin, Muhammad; Zuliansyah, Muhammad Andri; Novitasari, Serly; Andhelia, Siti Ramadhani; Huanza, M.; Damayanthi, Dini; Putri, Trisna Wahyu Swasdiningrum
Unram Journal of Community Service Vol. 6 No. 4 (2025): December: In Progress
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i4.1318

Abstract

The agricultural sector's sustainability is seriously threatened by climate change, especially in vulnerable places like Perigi Village, which is primarily made up of peatlands. Due to a lack of knowledge about climate change adaptation and mitigation, farmers face decreasing productivity, seasonal uncertainty, and the risk of land fires. Through training, outreach, technical support, and the use of basic technologies based on climate-smart agriculture, the Climate-Smart Agriculture Farmers Education and Action Movement programme seeks to increase farmer capacity. Extension, hands-on training, agrosilvofishery systems, educational media, and the formation of Climate-Smart Agriculture Farmers Groups are some of the techniques employed. The program's results demonstrate a significant increase in farmer knowledge, the ability to apply adaptive techniques, and the creation of regional organisations that support collective efforts to reduce climate risks. This activity has an educational, social, ecological, and economic impact on the community and can be replicated as a model for village empowerment. This curriculum emphasises the importance of collaboration between academics, village administrations, and farmers in order to create sustainable agriculture and community resilience to climate change.
Membedah Modal Ventura: Operasional Konvensional Dan Syariah Al Mirza, Moch Rusydan; Yazid, Muhammad
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 2: Januari 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i2.12623

Abstract

Krisis ekonomi tahun 1997 mendorong revitalisasi sektor perbankan, termasuk melalui lembaga pembiayaan seperti modal ventura. Modal ventura konvensional (MVK) dan modal ventura syariah (MVS) menjadi alternatif pendanaan bagi perusahaan baru (start-up) dan usaha mikro kecil menengah (UMKM). Tujuan dari penelitian ini yaitu untuk membandingkan MVK dan MVS dalam membiayai start-up dan UKM. Penelitian ini menggunakan metode kajian Systematic Literature Review (SLR) untuk menghimpun dan menganalisis literatur terkait MVK dan MVS. MVK dan MVS memiliki perbedaan dalam hal akad, prinsip, mekanisme bagi hasil, kinerja, jenis usaha yang dibidani, dan tata kelola perusahaan. Perbedaan ini perlu dipertimbangkan oleh start-up dan UKM dalam memilih sumber pendanaan yang sesuai dengan kebutuhan dan prinsip mereka.
Studi Komparatif Perilaku Investor: Analisis Riba, Maysir, Gharar dan Perbankan Syariah Fitriyah, Alfina Lailatul; Yazid, Muhammad
Jurnal Riset Perbankan Syariah Volume 4, No. 2, Desember 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i2.8769

Abstract

Abstrak. Industri halal global berkembang menjadi ekosistem ekonomi yang kompetitif, menuntut negara mayoritas Muslim merumuskan strategi yang tepat. Studi ini dilatarbelakangi oleh kesenjangan kinerja Indonesia dan Malaysia dalam Global Islamic Economy Indicator, meskipun keduanya memiliki potensi sumber daya yang besar. Tujuan penelitian ini adalah menganalisis keunggulan kompetitif ekosistem industri halal kedua negara menggunakan kerangka Porter’s Diamond Model. Metode yang digunakan adalah kualitatif deskriptif dengan pendekatan studi kasus komparatif, menggunakan data sekunder dari laporan strategis periode 2023–2025. Hasil penelitian menunjukkan perbedaan model pengembangan yang signifikan, di mana Malaysia menampilkan tata kelola terpusat dan kematangan pembiayaan syariah melalui dominasi sukuk korporasi, sedangkan Indonesia mengandalkan model kolaboratif dengan keunggulan pada pasar domestik dan digitalisasi UMKM. Namun, integrasi instrumen keuangan syariah dengan sektor riil di Indonesia masih relatif lemah. Temuan ini berimplikasi pada perlunya penguatan tata kelola industri halal Indonesia yang berorientasi ekspor guna meningkatkan daya saing global, kontribusi sektor riil, dan kemandirian ekonomi syariah nasional.Abstract. The global halal industry has evolved into a highly competitive economic ecosystem, requiring Muslim-majority countries to formulate appropriate strategies. This study is motivated by the performance gap between Indonesia and Malaysia in the Global Islamic Economy Indicator, despite both countries possessing substantial resource potential. The objective of this study is to analyze the competitive advantages of the halal industry ecosystems in both countries using Porter’s Diamond Model framework. The research employs a descriptive qualitative method with a comparative case study approach, utilizing secondary data from strategic reports covering the 2023–2025 period. The findings reveal significant differences in development models, with Malaysia demonstrating centralized governance and advanced Islamic financing maturity through the dominance of corporate sukuk, while Indonesia relies on a collaborative model supported by a large domestic market and MSME digitalization. However, the integration of Islamic financial instruments with the real sector in Indonesia remains relatively weak. These findings imply the need to strengthen Indonesia’s halal industry governance with an export-oriented approach to enhance global competitiveness, increase the contribution of the real sector, and achieve more substantive sharia-based economic independence.
Community Empowerment in Rural Areas Through the Cultivation and Production of Traditional Medicines Based on Medicinal Plants in Batu Tanjung Village, Talawi, Sawahlunto City Dillasamola, Dwisari; Putri, Biomechy Oktomalio; Noverial; Fadil, Muhammad Syukri; Marwan; Hasibuan, Ahmad Daniel; Pratiwi, Eghinna Elsa; Hafsah, Nur; Oktafani, Reni; Fadhilla, Naylatul; Oktaviani, Dilla; Hendriansah; Putri, Popy Dwi; Amanda, Amelia; Muhadzid, Fayyadh Atsil; Dewi, Lativa Andam; Thoriq, Muhammad; Andrisyah, Fauzi; Azizi, Adni Salsabil; Yazid, Muhammad; Amalina, Azka; Naufal, Muhammad; Hanisa, Najma Syakina; Ramadhani, Nasywa Anjani; Mufadhdhal, Muhammad Asad
Warta Pengabdian Andalas Vol 32 No 4 (2025)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jwa.32.04.446-454.2025

Abstract

The utilization of Family Medicinal Plants (TOGA) is a strategic effort to enhance community health self-reliance, reduce dependence on synthetic drugs, and preserve local biodiversity. In Nagari Batu Tanjung, Talawi District, Sawahlunto City, the potential for TOGA is high due to favorable geography and extensive backyard land. However, its use remains limited because of low herbal literacy, minimal organic cultivation skills, and the absence of a properly managed communal garden. This community service program aimed to empower residents through education, direct practice, and guidance in cultivating and processing medicinal plants. Activities included awareness sessions on TOGA’s benefits, land preparation, planting of herbal seeds (ginger, turmeric, cardamom, sungkai, Java turmeric, aloe vera), and the establishment of a model TOGA garden. Based on pre- and post-test results from 40 participants, knowledge and cultivation skills improved significantly—from 40% to 95% of participants understanding proper TOGA cultivation. Active collaboration among residents, village officials, and students ensured the program’s success. Through Q&A sessions and hands-on practice, the community gained practical skills suited to local conditions. The established TOGA garden now serves as a learning medium, a health-supporting initiative, and a foundation for developing herbal products that promote sustainable economic empowerment.
IMPLEMENTATION OF MAQASHID AL-SHARIA IN DIGITAL HAJJ SAVINGS: INCLUSIVE HAJJ FINTECH IN ISLAMIC BANKING Mujtahidah, Fikarul; Yazid, Muhammad
I-Economics Vol 11 No 2 (2025): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v11i2.31575

Abstract

The development of fintech and digitalization in indonesia provides opportunities for financial product innovation in line with the concept of maqashid al-syariah. This study aims to analyze the implementation of BSI's digital hajj savings product services and their relevance in strengthening the five dimensions of maqashid al-syariah. This study uses a descriptive qualitative method with a library research approach through literature analysis sourced from academic journals, books, and the official websites of OJK and BSI. The findings of this study indicate that the application of fintech in digital hajj savings has fulfilled the five main dimensions of maqashid al-syariah, namely hifdz al-din (religion) supported by the availability of online hajj account opening and siskohat integration, hifdz al-nafs (soul) is strengthened by youth hajj savings that can guarantee readiness when performing hajj and digital financial transparency that can reduce customers' mental concerns, hifdz al-aql (reason) facilitated through the young hajj literacy program and automatic notifications that can help customers make smart decisions, hifdz al-nasl (descendants) is realized through the young hajj savings product, which functions to secure a hajj quota for descendants who are still underage, and hifdz al-mal (wealth) through the mudharabah agreement that generates benefits and is free of administrative costs, thus enabling wealth to be managed well and optimally. The conclusion shows that hajj fintech is a strategic tool based on maqasid al-syariah for the sustainable development of Islamic and inclusive banking in the digital era
Analisis Akad Ijarah Pada Sistem Kerja Platform Digital: Perspektif Fiqih Kontemporer Al Maghfuri, Rahmah Salsabila; Yazid, Muhammad
Rashid : Journal of Economic Vol. 1 No. 2 (2025): Rashid : Journal of Economic
Publisher : Jaanur Elbarik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65065/c42ht291

Abstract

This study aims to analyze the implementation of the ijarah contract in the working system of digital platforms from a contemporary Islamic jurisprudence perspective. The research method used is a qualitative method with a literature study approach that examines classical sources, contemporary fatwas, and modern research related to the digital economy. The results show that digital platforms such as Gojek still fulfill the main elements of the ijarah contract, namely clarity of benefits (manfa'ah), clarity of ujrah, and clarity of implementation time that are clearly displayed in the application. The click mechanism in the application is considered a valid form of digital ijab and qabul as long as it demonstrates the willingness of both parties. In addition, an automatic, algorithm-based tariff calculation system can increase transparency, although dynamic tariff changes have the potential to create elements of gharar if not clearly regulated. The division of commissions between the platform and the worker partner based on a certain percentage is also acceptable in contemporary Islamic jurisprudence as long as it is agreed upon from the start and does not harm either party
Co-Authors Abdelmagid, Eltayeb Salah Eltayeb Abdillah, Bacharuddin Agus Hidayat, Ahmad Ahmad Kurnain Ahmad Kurnain, Ahmad Aida, Farchati Umu Aji Prasetyo, Aji Akhmad Sabda Maulana, Nur Al Maghfuri, Rahmah Salsabila Al Mirza, Moch Rusydan Alfitri Alfitri Alif, Nur Rahmad Amalina, Azka Amanda, Amelia Amelia, Winanda Amirullah, Sir Haykal Alam Andhelia, Siti Ramadhani Andhini Koeswito, Winnie Andriani Samsuri Andrisyah, Fauzi ANDY MULYANA Ani Pristiawati Anisa Pertiwi, Umi Annisa, Siti Fini Apriyanto , Ade Aqila Azza Fauzia Aripriharta - AS, Fathor Ayu Anggraini Azizi, Adni Salsabil Bagio, Toni Hartono Bunga Karnisa Goib Cahyadi, Irwan Choiri, Achmad Firman Damara, Rian Damayanthi, Dini Damayanthy, Dini Deri Islami desi aryani DESSY ADRIANI Dessy Adriani Dessy Adriani Dewi, Lativa Andam Doni Rinaldi Basri Dwipa Handayani Dwisari Dillasamola efendi, Irfan Erni Purbiyanti, Erni Fadhilla, Naylatul Fadil, Muhammad Syukri Faidzin, Ilham Faqihuddin, Abdullah Fatmariyah, Fatimatul Fatriami, Fatriami Febria Nurmelia Marlina Febriyanti, Novi Feriansyah, Ardian Firdausia, Yulia Kurnia Fitra Ramdhani, Fitra Fitriana, Alya Nabila Fitriyah, Alfina Lailatul Gefry Ginting, Brian Permana Gustin, Maysheila Hafsah, Nur Hanisa, Najma Syakina Hanum, Fathmah Hardiansyah, Tubagus Rizki harris, jaudat iqbal Hasibuan, Ahmad Daniel Hendriansah Herdiansyah, Dafa Hermawan, Edwin Huanza, M. Hurrin, Sofchatuz Zahro Salsabila Husaini, Rizki Ramadhan Husnah Husnah Husni Mubarak Intan Dewinta, Intan Irtiqouli'ulya , Pandu Ismatul Khayati Jamila, Assyfatul Janah, Nadhivah Nur Januarti, Indri Khumair, Merina Khusnia, Nur Kumala Sari, Dina Kurnia, Ferdi Laila Wati lestari, Suci Shinta Lifianthi, Lifianthi Lubis, Holijah M. Adib Nazri MAKIAH Marianto, Hadi Marwan Masruroh, Aniswatun Maya Sari Mega Rahmi Mila Arlina, Agustin Moh. Rasyid Ridho Mokh Sholihul Hadi Mubarokah, Shela Syofiatul Mufadhdhal, Muhammad Asad Muhadzid, Fayyadh Atsil Muhammad Andri Zuliansyah Muhammad Arbi Muhammad Defri Wahyudi Muhammad Naufal, Muhammad Muhammad Roby, Muhammad Muhammad Yamin Mujahadah, Alifatul Mujtahidah, Fikarul Murni, Cahyasari Kartika Nadia Fitriani Nadila, Lili ningrum, puspa Ningsih, Julia Nisaa, Mufida Auliyaun Noverial Novitasari, Serly Novriadhy, Dian Nufus, Shoufa Hayatun Nukmal Hakim, Nukmal Nurul Hikmah Oktafani, Reni Oktaviani, Dilla Pratiwi, Eghinna Elsa Purba, Khairul Fahmi Puspa Ningrum Putri, Biomechy Oktomalio Putri, Popy Dwi Qori'atunnadyah, Marita Rabbani, Nizar Bagoes Rahman, Joya Rahmat Tisnawan, Rahmat Rahmawati, Maulinda Ramadanis, Ramadanis Ramadhani, Nasywa Anjani Rasya, Naysilla Rifaatul Mahmudah Riswani Rizki Yani, Fadila rni Purbiyanti Roihana, Najlatus RR. Ella Evrita Hestiandari Rufaedah, Dina Anisya Saiful Bakhri Salamun Salamun Salsabila, Ainur Rona Salsabilla, Syahvira Saputra, Johan Saputra, Virga Hendra Sarifah, Sarifatul Aini Satrio Adi Wicaksono Saventina, Ega Marta Sihol Marudut Tua Sinaga Sikumbang, Thamrin Sirajul Arifin Siti Musfiqoh Siti Zubaidah Sri Lestari Sriningsih Subrata, Antoni Sugioto, Dedek Sujito Sujito Sukri Susilo, Suhiro Wongso Sutami Sutami Tafarini, Meitry Firdha Thirtawati, Thirtawati Thoriq, Muhammad Toyeb, Muhammad Toyibah, Umi Trisna Wahyu Swasdiningrum Putri Triyuliani, Maulidia Wathoni, Hamzani Wati, Aprilia Candra Purnama Wenny Widiastuti Wenny Widiastuti Wicaksono, Ahmad Bayu Widiyati Yanti, Caroline Chiko Meyrisma Yuliana, Ika Zebua, Yedija Salomo