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All Journal ESENSI: JURNAL BISNIS DAN MANAJEMEN Buletin Al-Turas Al-Zahra : Journal for Islamic and Arabic Studies Al-Ulum Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Islam Futura Nurani: Jurnal Kajian Syariah dan Masyarakat Journal of Accounting and Investment Jurnal Al-Ijtimaiyyah El-Mashlahah Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Peuradeun JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi IKRA-ITH EKONOMIKA Majalah Ilmiah Bijak Rahmatan Lil Alamin: Journal of Peace Education and Islamic Studies Majalah Ilmu Pengetahuan dan Pemikiran Keagamaan Tajdid Iqtishodia: Jurnal Ekonomi Syariah Hadharah: Jurnal Keislaman dan Peradaban International Journal of Zakat (IJAZ) AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Al-Adyan: Journal of Religious Studies AL-FALAH : Journal of Islamic Economics Al-Tijary : Jurnal Ekonomi dan Bisnis Islam CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Al-Istinbath: Jurnal Hukum Islam Maqdis: Jurnal Kajian Ekonomi Islam Jurnal Pemberdayaan Masyarakat Maliki Islamic Economics Journal The Journal of Anti Money Laundering and Countering The Financing of Terrorism (AML/CFT Journal) MILRev: Metro Islamic Law Review Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Al-Zayn: Jurnal Ilmu Sosial & Hukum Al-bank: Journal of Islamic Banking and Finance Al-Insyiroh: Jurnal Studi Keislaman International Journal of Islamic Business and Economics (IJIBEC) Maaliyah Referensi Islamika: Jurnal Studi Islam Proceedings of International Conference on Religion, Social and Humanities Qudus International Journal of Islamic Studies
Desmadi Saharuddin
Universitas Islam Negeri Syarif Hidayatullah Jakarta
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Marketing Mix 5Cs Terhadap Loyalitas Nasabah Melalui Kepuasan Nasabah Bank Syariah Indonesia Tangerang Selatan Riski Eka Lestari; Endah Meiria; Desmadi Saharuddin
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.8622

Abstract

This study aims to analyze the Effect of Marketing Mix 5Cs (Conformity, Character, Commitment, Conscience and Customer Centrism) on Customer Loyalty through Customer Satisfaction of BSI South Tangerang. This research is a quantitative study using Multiple Linear Regression and Sobel Test through Microsoft Excel 2010 and SPSS version 26. The population of this research is BSI South Tangerang customers, 100 respondents were taken as a sample using purposive sampling technique. The results showed that the 5Cs Marketing Mix simultaneously had a significant effect on customer satisfaction and there was a significant effect on customer loyalty. Partially, Conformity has a positive and significant effect on Customer Satisfaction, while Character, Commitment, Conscience and Customer Centrism have no significant effect. Likewise Commitment and Customer Satisfaction have a positive and significant effect on Customer Loyalty, while Conformity, Character, Conscience and Customer Centrism have no significant effect. The results of the Sobel test show that Customer Satisfaction as an intervening variable is able to mediate Conformity to Customer Loyalty, while Character, Commitment, Conscience and Customer Centrism to Customer Loyalty are unable to be mediated by Customer Satisfaction. So this shows that the 5Cs Marketing Mix of Bank Syariah Indonesia (BSI) South Tangerang is quite satisfying but has not been able to increase customer loyalty. Therefore BSI must improve the quality of service to customer needs.
THE ROLE OF ISLAMIC DA'WAH AND THE IMPLEMENTATION OF SHARIA ON THE EXISTENCE OF MUSLIMS IN THE MALDIVES ISLANDS PAST AND PRESENT Meirison, Meirison; Bukhari, Bukhari; Saharuddin, Desmadi; Muhammadi, Qasem; Mistarija, Mistarija
Islam Futura Vol 24, No 1 (2024): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v24i1.18005

Abstract

Writing this article aims to explain the development of Islamic da'wah in the Maldives Islands, which is unique and rarely found in other Muslim regions. So far, the Maldives is only known as a tourist spot. It is rarely known that all of the Maldives adhere to Islam. The British have also ruled the Maldives for 78 years, influencing the Maldives to some extent. What is the form of da'wah carried out by Abu al-Barakat, whose origins are still debated by historians? But what is clear is that he had a significant influence on the spread of Islam in the Maldives Islands, which is corroborated by classical sources such as the text attributed to Ibn Battuta and several contemporary books. We conducted a literature study on this paper, with a historical approach, by collecting data, verifying and analyzing the data thoroughly, and rewriting the results of the analysis inductively in a qualitative descriptive form. Islam spread in the Maldives peacefully without violence and continues to survive from Christian missionaries and Shiite sects who come to spread their views. Scholars say about the fiqh theory that faith in conscience will not be changed by the sins and heresies it commits.
MODERASI ISLAM DALAM KESETARAAN GENDER (KOMPARASI TERHADAP AGAMA YAHUDI DAN NASRANI) Meirison, Meirison; Saharuddin, Desmadi; Rosdialena, Rosdialena; Ridho, Muhammad
JURNAL AL-IJTIMAIYYAH Vol 6, No 1 (2020)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-ijtimaiyyah.v6i1.5510

Abstract

Islam is a moderate religion that is very close to the dignity of women which is very different from the two religions of its predecessors. In both religions women are considered as a burden in life and very detrimental, women's rights are morally and materially ignored. Like ownership of property, the right to issue testimony, identity is assigned to the husband not to his father. Even as far back as 1956 and perhaps up to now in France and Germany full of women's freedom must obtain the husband's permission to conduct transactions, such as buying and selling, grants from his own property. With library studies and comparative approaches and qualitative methods the author reveals whether Jews and Christians have similarities in their treatment of women in theory and is there a difference between the two religions? Do Islam, Judaism and Christianity in theory give equal treatment to women? Let a Muslim know that there is a gap between the teachings of Islam and the behavior of some Muslims today that are no longer in accordance with Islamic norms. Such behavior does not originate from Islam as a moderate religion.Keywords: Islamic Moderation, In Gender, Comparison, Judaism and Christian.
Expel Riba with Islamic Transactions (Analysis of Islamic Financial Institutions) Saharuddin, Desmadi; Meirison, Meirison
Nurani Vol 22 No 2 (2022): Nurani: jurnal kajian syari'ah dan masyarakat
Publisher : Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/nurani.v22i2.13539

Abstract

This article aims to explain the importance of the steps that Islamic banks must take to stay away from usury to increase Muslim confidence in Islamic banking, which has been stretched all this time to revive the Muslim economy. Riba can cause prolonged inflation and even make the country's economy collapse slowly. However, there are still many usury practices carried out by Islamic banks due to several factors, such as central bank regulations and managers who do not yet understand the rules of Islamic law. This discussion is carried out through a literature study and a descriptive analysis approach through documents and journals that discuss Islamic banking. We interpret the results obtained: Islamic banking is still involved in Mu'amalah Riba, which is more than an extension of conventional banks that sell their products. However, there is still an event to get away from usury by implementing the rules of Islamic Shari'ah thoroughly by developing the proper investment methods. Islamic banks may perform Mudharabah (profit sharing), Musyarakah, Murabahah, Ijarah, and Muzara'ah by paying attention to the distribution of profits and losses by Islamic law. Let these trading and investment instruments be carried out in real terms with full responsibility.
Is the hybrid method more adequate for measuring operational risk? Farsiah, Lena; Amalia, Euis; Saharuddin, Desmadi; Lukman, Lukman
Journal of Accounting and Investment Vol 25, No 1: January 2024
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jai.v25i1.20660

Abstract

Research aims: Risk management in financial institutions struggles with setting suitable capital charges for operational losses, resulting in large, disproportionate reserves that impact profits. This study, therefore, aims to develop a tailored operational risk measurement model for general takaful companies, addressing this challenge and optimizing capital allocation.Design/Methodology/Approach: This study employed a hybrid approach, merging the loss distribution approach (LDA) with historical data and scenario analysis for insurance company loss events. Compiling data into distributions, it utilized Monte Carlo simulations to determine value at risk (VaR). The resulting VaR guided the calculation of operational risk capital charges for future periods.Research findings: Measurement using the hybrid method could produce more adequate operational risk capital charges. These results confirm the acceptability of the VaR calculation and have been validated by the Kupic test.Theoretical contribution/Originality: This research offers a more comprehensive alternative method of measuring operational risk by combining historical company data with expert opinions, making it more likely to be practiced in the industry.Practitioner/Policy implication: The results of this study put forward an alternative, more suitable model for industry and regulators to measure operational risk management in general takaful companies.
The Shift of Islamic Shari’a in Economy: Banks, Foreign Investment and the Ottoman Collapse Desmadi Saharuddin; Meirison, Meirison; Mansoer, Masri; Surwati, Surwati; Muhammadi, Qasem
Nurani Vol 25 No 1 (2025): Nurani: jurnal kajian syari'ah dan masyarakat
Publisher : Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/nurani.v25i1.24616

Abstract

At the height of the Ottoman Empire's glory, there was no need for a usury system, as it was prohibited by Islamic law. This Empire stands on an independent economy in line with Islamic law. Military agitation was everywhere; debt after debt appeared and even forced to borrow by donor countries and persuaded by Germany when World War I was about to erupt. This study aims to examine the shift in the role of Islamic law in the economy during the shaky Ottoman government in 1855-1923. This research is library-based with a qualitative approach; the information gathered comes from reviewing literature or written sources, such as books and previous studies, which are then processed and interpreted descriptively. We found that Banking in the Ottoman Empire was unnecessary because it was also not profitable for the Ottomans at a critical time. On the other hand, donor countries will benefit. Turkey is conditioned to continue to be in debt in various ways, such as rebellions in the Balkans, the Crimean War, and the last is world war I. The Debt Collection Agency (OPDA) has functioned as a collector of surplus natural resources and medium-sized industries in Turkey without the approval of the Government. They consist of foreign bankers with printed money that is no longer controllable and causes inflation, not to mention the circulation of foreign currency. Turkey's stability ended after preventing the establishment of a Jewish state, the owner of the most considerable capital in Europe.This article discusses the potential dangers of foreign banks operating in a country, including risks to the local economy, financial stability, and national sovereignty.
Is the hybrid method more adequate for measuring operational risk? Lena Farsiah; Euis Amalia; Desmadi Saharuddin; Lukman Lukman
Journal of Accounting and Investment Vol. 25 No. 1: January 2024
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jai.v25i1.20660

Abstract

Research aims: Risk management in financial institutions struggles with setting suitable capital charges for operational losses, resulting in large, disproportionate reserves that impact profits. This study, therefore, aims to develop a tailored operational risk measurement model for general takaful companies, addressing this challenge and optimizing capital allocation.Design/Methodology/Approach: This study employed a hybrid approach, merging the loss distribution approach (LDA) with historical data and scenario analysis for insurance company loss events. Compiling data into distributions, it utilized Monte Carlo simulations to determine value at risk (VaR). The resulting VaR guided the calculation of operational risk capital charges for future periods.Research findings: Measurement using the hybrid method could produce more adequate operational risk capital charges. These results confirm the acceptability of the VaR calculation and have been validated by the Kupic test.Theoretical contribution/Originality: This research offers a more comprehensive alternative method of measuring operational risk by combining historical company data with expert opinions, making it more likely to be practiced in the industry.Practitioner/Policy implication: The results of this study put forward an alternative, more suitable model for industry and regulators to measure operational risk management in general takaful companies.
Localizing Islamic Economics: Integrating Sharia Principles into the Salingka Nagari Tradition in Minangkabau Yafiz, Muhammad; Tarigan, Azhari Akmal; Saharuddin, Desmadi; Ismail, Ismail
Jurnal Ilmiah Peuradeun Vol. 13 No. 3 (2025): Jurnal Ilmiah Peuradeun
Publisher : SCAD Independent

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26811//peuradeun.v13i3.2022

Abstract

This article explored the integration of Islamic economics into the economic life of the Minangkabau people, examined through historical and contemporary perspectives. Using a qualitative approach based on literature study and in-depth interviews, the research investigated how Islamic principles—such as justice, distributive equity, and sharia-compliant resource management—are embedded within Minangkabau socio-economic traditions. Historically, since the era of the Minangkabau Sultanate, Islamic values were institutionalized through customary systems and cooperation mechanisms that regulated economic relations and social solidarity. In the modern context, the dynamics of globalization have introduced Islamic financial institutions, sharia-based enterprises, and structured zakat and waqf management, which coexist with enduring indigenous practices. The findings indicated that despite challenges from conventional economic systems, the synergy between Islamic values and local traditions continues to support community empowerment, inclusive finance, and cultural resilience. This study contributed to Islamic institutional economics and indigenous economic thought by identifying three dimensions of integration: normative, institutional, and practical. These dimensions produce a hybrid model that is adaptive, resilient, and sustainable. Beyond its local relevance, the Minangkabau experience offers insights for Muslim societies worldwide, demonstrating how cultural authenticity and Islamic ethics can be harmonized with modern development to address global economic challenges.
Satu Dekade Perkembangan Surat Berharga Syariah Negara (SBSN) di Indonesia: Analisis Peluang dan Tantangan Paripurna, Danial; Hidayat, Rahmat; Saharuddin, Desmadi
JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Vol 24 No 3 (2025): September 2025
Publisher : LP2M STAI Miftahul 'Ula (STAIM) Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29138/lentera.v24i3.1804

Abstract

This paper examines the development of State Sharia Securities (Surat Berharga Syariah Negara/SBSN) in Indonesia over the past decade, focusing on the opportunities and challenges faced in its implementation. SBSN, or sovereign sukuk, is a Sharia-compliant financial instrument issued by the government to support the financing of the State Budget (APBN) and to stimulate the growth of the Islamic financial market. Since its first issuance in 2008, SBSN has shown significant growth in terms of investor numbers, issuance value, and product diversification. The government has developed various sukuk schemes including Green Sukuk and Mudharabah Sukuk to fund strategic and sustainable development projects. This paper also highlights ongoing challenges such as dependence on budget deficits, limited underlying assets, and the need for inter-agency coordination. Nevertheless, supported by strong regulatory frameworks and Sharia rulings, SBSN has great potential to become a key instrument in inclusive and Sharia-compliant development financing.
Integrating Halal and Thayyib Principles into Global Logistics Operation: A Comparative Analysis in Malaysia, UAE, and Indonesia Yunanto, Dwi; Amalia, Euis; Saharuddin, Desmadi
Majalah Ilmiah Bijak Vol. 22 No. 2: September 2025
Publisher : Institut Ilmu Sosial dan Manajemen STIAMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31334/bijak.v22i2.4867

Abstract

This paper examines how the concepts of halal and thayyib have evolved from basic religious dietary laws to broader principles guiding global industry practices. It explores how these principles are integrated into halal logistics systems in Malaysia, the UAE, and Indonesia. While Malaysia and the UAE have well-developed halal logistics systems, Indonesia is working to strengthen its own through regulations like Law No. 33 of 2014. However, challenges remain in Indonesia, including industry misunderstanding, infrastructure limitations, and regulatory delays. A real challenge is the postponement of the implementation of halal certification requirements until further notice, which was originally scheduled to start in October 2024. This qualitative study uses comparative analysis, literature reviews, and expert interviews to understand these challenges and proposes using ICT to improve halal logistics. The study's novelties include a comprehensive comparative analysis of halal logistics implementation across three countries, the integration of the conceptualization of halal and thayyib in Islam with halal value chain theory and institutional theory, and the emphasis on ICT's role in enhancing logistics efficiency. The study concludes that success in halal logistics requires coordinated efforts from policymakers, industry players, and technological advancements.
Co-Authors Abdul Hamid Abdulloh Hadziq Ade Sofyan Mulazid Adhitya Abriansyah Afandi Ahmad Rodoni Alaa Mustafa Abdelmaksud Abouagila Alaa Mustafa Abdelmaksud Abouagila Alejandro Pacheco-Jaramillo Alimin Alimin Alimin Ananda Ayu Amelia ANGGRAINI, RR. TINI Asyari Hasan Azhari Akmal Tarigan Bahar, Muchlis Bahrul Yaman Bukhari Bukhari Burhan Alsyouf Darni Yusna Darni Dimas Kenn Syahrir Dwi Yunanto, Dwi Endah Meiria Euis Amalia Euis Amalia Euis Amalia Euis Amalia Fahlefi, Rizal Faisal Arief Kamil Fatarib , Husnul Fauzan Fadhilla Fauzan Romadhian Khairi Firdaus Firdaus Firdaus Firdaus Hemmy Fauzan HUSNI SHABRI Husnul Fatarib Husnul Fatarib Husnul Fatarib Ilda Hayati Ilda Hayati Ilda Hayati, Ilda Inayatul Chusna Ismail JAMILA, SITI Junizar Suratman Kamil, Faisal Arief Karimullah, Suud Sarim Laila Yumna Lena Farsiah Lestari, Riski Eka Lili Puspita Sari Lukman Makhsus, Makhsus Masri Mansoer Meiria, Endah Meirison Alizar Sali Meirison Meirison Meirison Meirison Meirison Meirison Meirison Meirison, Meirison Mistarija, Mistarija Muhamad Resa Ardiansah Muhammad Cholil Nafis Muhammad Hanafi Zuardi Muhammad Khaerul Muttaqien Muhammad M. Said Muhammad Ridho Muhammad Yafiz, Muhammad Muhammadi, Qasem Nazar, Zerly Nur Hidayah Nur Hidayah Nuril Mufidah Nuril Mufidah Paripurna, Danial R. Melda Maesarach Rahmat Hidayat Rahmat Hidayat Rahmat Hidayat Rahmawati Rahmawati Rahmawati Rahmawati Rama, Ali Riski Eka Lestari Riyantama Wiradifa Rizal Fahlefi Rosdialena RR. TINI ANGGRAINI Said, Muhammad Said, Muhammad M. SITI JAMILA Siti Umi Nurbaidah Suhendra Suhendra Suhendra Suhendra Suratman , Junizar Surwati, Surwati Wiradifa, Riyantama Wiradifa, Riyantama Wiwik Handayani Zuhairan Yunmi Yunan Zulfikri Muhammad