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All Journal Al-Ulum Ziswaf : Jurnal Zakat dan Wakaf Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam ILTIZAM Journal of Sharia Economic Research JURIS (Jurnal Ilmiah Syariah) TSAQAFAH Al-Maslahah Economics and Digital Business Review El-kahfi : Journal of Islamic economics El-Hekam : Jurnal Studi Keislaman Jurnal Ekonomi dan Perbankan Syariah Al-bank: Journal of Islamic Banking and Finance TAMWIL: Jurnal Ekonomi Islam Al-Hisbah Jurnal Ekonomi Syariah Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan ITQAN: Journal of Islamic Economics, Management, and Finance Innovative: Journal Of Social Science Research Jurnal Al-ittifaq Imara: Jurnal Riset Ekonomi Islam Jurnal Manajemen Bisnis Syariah Al-bank: Journal of Islamic Banking and Finance Madania: Jurnal Kajian Keislaman Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Asian Journal of Muslim Philanthropy and Citizen Engagement
Fahlefi, Rizal
Institut Agama Islam Negeri Batusangkar
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Penyebab Pengusaha Peron Kelapa Sawit Tidak Membayar Zakat Di Kecamatan Tigo Nagari Kabupaten Pasaman Perspektif Ekonomi Islam Gustomi, Asrul; Fahlefi, Rizal; Firdaus, Nil
Al-Hisbah Jurnal Ekonomi Syariah Vol 5 No 2 (2025): Jurnal Alhisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v5i2.473

Abstract

This study aims to analyze the factors causing palm oil platform entrepreneurs not to pay zakat from an Islamic economic perspective, analyze the obstacles and challenges of palm oil platform entrepreneurs in paying zakat and to describe how religious leaders socialize the importance of paying zakat in palm oil platform businesses. This study was conducted on Palm Oil Platform entrepreneurs in Tigo Nagari District, Pasaman Regency. This type of research is field research with a qualitative approach. Data sources in this study are primary data sources and secondary data sources. The techniques used in data collection are observation, interviews and documentation. The techniques for analyzing data in this study are data reduction, data presentation and conclusions. The techniques for guaranteeing the validity of data in this study are source triangulation and time triangulation. The results of this study reveal that the factors causing palm oil platform entrepreneurs in Tigo Nagari District, Pasaman Regency not to pay zakat are understanding, low trust in amil zakat, excessive lifestyle, religiosity, social environment and the absence of sanctions by the government. Obstacles and challenges in the palm oil platform business are caused by unstable palm oil harvests and price fluctuations, difficulties in financial record-keeping, and high competition among platform owners. Religious leaders have been promoting the importance of paying zakat for palm oil platform businesses by visiting the homes of platform owners and holding lectures and religious studies.
Akuntabilitas Wakaf Berdasarkan PSAK 112 pada Yayasan Wakaf Wihdatul Ummah Batusangkar Rasna, Fauzia; Fauzi, Nurul; Fahlefi, Rizal
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.8310

Abstract

Studi ini mengkaji mengenai pencatatan dan pelaporan wakaf di Yayasan Wakaf Wihdatul Ummah Batusangkar masih belum begitu sesuai dengan PSAK 112. Jenis penelitian yang digunakan dalam penelitian ini adalah field research dengan pendekatan kualitatif. Hasil penelitian ini menunjukkan akuntabilitas atau pertanggungjawaban dari pengelolaan wakaf pada Yayasan Wakaf Wihdatul Ummah Batusangkar masih belum ideal dengan PSAK 112, Sebab pada Yayasan Wihdatul Ummah Batusangkar belum ada dibentuk badan yang khusus untuk mengelola wakaf, pengelolaan wakaf hanya dilakukan oleh nazir dibawah pengawasan yayasan. Pengakuan, pengukuran, penyajian dan pengungkapan transaksi wakaf pada Yayasan Wakaf Wihdatul Ummah Batusangkar masih belum sesuai dengan PSAK 112, sebab dalam PSAK 112 terdapat lima komponen laporan keuangan nadzir yang harus dipenuhi yaitu laporan posisi keuangan/neraca, laporan rincian aset wakaf, laporan aktivitas, laporan arus kas dan catatan atas laporan keuangan. Namun, pada laporan keuangan nadzir pada Yayasan Wakaf Wihdatul Ummah Batusangkar hanya memiliki empat komponen yaitu laporan posisi keuangan/neraca, laporan rincian aset wakaf, laporan aktivitas dan catatan atas laporan keuangan. Pada Yayasan Wakaf Wihdatul Ummah Batusangkar tidak terdapat komponen laporan arus kas. Adapun keempat komponen yang disajikan juga belum sesuai dengan PSAK 112 kecuali pada komponen Laporan Aktivitas.
Analisis Maqoshid Syariah terhadap Penerapan Akad Muzaroah dan Ijarah Pada Petani Cabe Nagarri Taeh Baruah Deni Putra, Muhammad; Ismail, Dailani; Alimin, Alimin; Fahlefi, Rizal; Fadilla, Siti
ILTIZAM Journal of Shariah Economics Research Vol. 7 No. 2 (2023): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v7i2.2139

Abstract

Regarding the development of agricultural land management, the muzāra'ah contract scheme is considered the most suitable and fair contract, and in accordance with sharia principles. However, in its implementation, many problems arise between sharecroppers and land owners. From the initial survey that the author conducted with Basril, one of the chili farmers in Taeh Baruah Village, it was found that sharing the results of the land, especially in chili farming, tends to cause disharmony in social interactions due to because sharecroppers are not professional, transparency is weak. Based on this phenomenon, the author conducted an in-depth study regarding benchmarks for the benefits of muzāra'ah and ijārah contracts in agricultural land management using the Maqasid Syariah approach. From the measurement results, it was found that currently in Nagari Taeh Baruah, the use of an ijārah contract in terms of agricultural land cooperation is the most beneficial contract compared to the muzāra'ah contract. This is due to the community's habit of carrying out cooperation in the agricultural sector only verbally, and the level of honesty of some farmers is still low, which tends to result in social disharmony among chili farmers in Nagari Taeh Baruah.
Saving Dan Investasi Dalam Produk Mudharabah Pada Lembaga Keuangan Syariah Analisis Komparatif Dengan Produk Konvensional Kasih, Santi Yulia; Fahlefi, Rizal
Al-bank: Journal of Islamic Banking and Finance Vol 4 No 2 (2024): July - Desember 2024
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v4i2.13179

Abstract

This research aims to determine the application of saving and investment inIslamic financial institutions and their comparison with conventional institutions. The method used in this research is qualitative research with an in-depth interview approach. In-depth interview approach. The results showed that saving products at LKS. LKS offers mudharabah savings, wadiah savings, and sharia current accounts with profits for customers calculated based on the profit-sharing ratio proportionally from the profit-sharing ratio. proportionally from bank's operating profit in accordance with the initial agreement. While in LKK the products offered are products offered are savings, deposits, and current accounts with benefits for customers calculated based on the interest rate determined by the bank. Investment products at LKS offer suku', shares, and musyarakah with profits derived from profit sharing, company profits and asset rents. asset rent. Investment products in LKK offer mutual funds, stocks, and bonds with customer profits derived from rising asset prices, dividends and interest. 
Perbandingan Konsep Sistem Lembaga Keuangan Sosial Syariah : Bank Wakaf Mikro, Baznas Microfinance Desa, dan Bank Infak Alimin, Alimin; Fahlefi, Rizal; Shabri, Husni; Zulkifli, Zulkifli
Al-bank: Journal of Islamic Banking and Finance Vol 5 No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14756

Abstract

This research aims to analyze the comparison of the concept of the operational system of Islamic Social Financial Institutions such as the Micro Waqf Bank, Baznas Microfinance Village, and Infak Bank. The research method uses qualitative Conceptual Comparison Method. Data collection techniques using interviews and documentation. The results showed that the system concepts of three Indonesian Islamic social financial institutions are purely social from the aspects of status as a social institution, funding, financing, and distribution, and have many operational system similarities. However, there are differences in the sources of capital in the form of alms, zakat, waqf, general donations, and CSR which have become the responsibility of the company. In terms of type, the three institutions are classified as ethical banks or non-bank Islamic ethical financial institutions because they emphasize the purpose of their activities on outcomes and impact rather than profit at all. In terms of the cash waqf theory of capital resilience, the three institutions are less efficient from the aspect of business sustainability, because the amount is at risk of decreasing and will always depend on donations, where the funds are channeled to poor businesses that are at risk of inability to repay loans. The researcher recommends a commercial social financial institution model that is commercial in seeking profit, but social in profit distribution
Pengaruh Kompetensi dan Persepsi Mahasiswa Terhadap Fresh Graduate Syndrom Untuk Bekerja di Perbankan Syariah Fitria, Nita; Lestari, Widia; Shabri, Husni; Fahlefi, Rizal
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15097

Abstract

This research aims to determine the influence of competence and perception on fresh graduate syndrome working in sharia banking for students of the Sharia Banking Study Program at UIN Mahmud Yunus Batusangkar. The type of research used is quantitative research with data collection techniques using questionnaires. The results of this research show that the competency of sharia banking alumni influences fresh graduate syndrome working in sharia banking. Students need to develop various relevant competencies during the study period to minimize the impact of the syndrome of working in sharia banking. Competencies that new graduates must have include mastery of sharia banking knowledge, technical banking skills, financial analysis skills. Apart from increasing competence, forming a positive perception of the sharia banking industry also plays an important role in preparing students to face the world of work. Simultaneously, the competence and perception of Islamic banking alumni at the State Islamic University Mahmud Yunus Batusangkar influence the fresh graduate syndrome working in sharia banking. By combining competency development and forming positive perceptions, students will be ready to face the challenges of the world of work and can reduce the risk of fresh graduate syndrome and increase opportunities for career success in the sharia banking industry
DETERMINAN RETURN ON ASSET PADA PT. BANK MUAMALAT INDONESIA Tbk Candra, Revi; Shabri, Husni; Azizah, Aprilia Nur; Fahlefi, Rizal
Al-bank: Journal of Islamic Banking and Finance Vol 4 No 1 (2024): January - June 2024
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v4i1.10618

Abstract

This study aims to analyze the effect of Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Cash Turn-over on Return On Asset (ROA) at PT Bank Muamalat Indonesia (2012-2021). This research method uses a quantitative approach. The data source used is secondary data sources in the form of financial statements of PT Bank Muamalat Indonesia. The data analysis technique uses multiple linear regression analysis processed with the SPSS 26 program. The results showed that partially NPF and Cash Turnover had an effect on ROA with a significant value of 0.000 and 0.0009 respectively smaller than 0.05. CAR partially has no effect on ROA with a significant value of 0.151 greater than 0.05. Simultaneously NPF, CAR, and Cash Turn-over affect ROA at PT Bank Muamalat Indonesia with a significant value of 0.000 smaller than 0.05. Determinant of the influence of NPF, CAR and Cash Turn-over on Return On Asset is 55.1%.
Analisis Konsep Uang Menurut Ulama Salaf Dan Khalaf Serta Implikasinya Dalam Perbankan Syariah Fahlefi, Rizal; Alimin, Alimin; Sari, Rivian Anda; Nopiardo, Widi
Al-bank: Journal of Islamic Banking and Finance Vol 3 No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9758

Abstract

Penelitian ini bertujuan untuk menganalisis tentang konsep uang dalam Islam menurut ulama salaf dan khalaf serta implikasinya dalam dunia perbankan syariah. Penelitian ini menggunakan metode penelitian studi pustaka dimana peneliti berupaya menggali dan menemukan konsep yang diteliti melalui penelusuran berbagai sumber-sumber kepustakaan yang relevan. Hasil penelitian menunjukkan bahwa para ulama, baik dari kalangan Salaf maupun Khalaf, berbeda pendapat mengenai penggunaan emas dan perak sebagai mata uang, pendapat pertama menyatakan mata uang hanya terbatas pada emas dan perak sedangkan pendapat kedua menyatakan sebaliknya bahwa boleh juga dalam bentuk lain. Pencetakan uang kertas secara berlebihan akan mempengaruhi kestabilan nilai mata uang. Sistem penganggaran dalam Islam sebenarnya tidak memerlukan untuk berutang atau mencetak uang lebih banyak guna membiayai defisit, namun jika terdapat kondisi yang mengharuskan mencetak uang baru maka hak prerogatif pemerintah tersebut harus tunduk pada batasan untuk menjaga keseimbangan antara mencetak uang dan menjaga inflasi dalam 'batas yang wajar'. Oleh karena itu, perbankan syariah komersial merupakan perpanjangan tangan dari bank sentral untuk menstabilkan nilai mata uang dengan cara-cara yang Islami pula
Traditional Markets in the Sharia Economic Perspective: Exploring Structural Changes and Social Value Reconstruction in Modern West Sumatra Ramadhan, Rifki; Fahlefi, Rizal
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.602

Abstract

This research aims to analyze the relevance and competitiveness of traditional markets in West Sumatra from the perspective of sharia economics, with a focus on digital transformation, merchant innovation, and inherent social-spiritual values. The method used is a Systematic Literature Review (SLR) of 12 selected studies from the 2015–2025 period, which includes field research, case studies, policy studies, and literature supporting sharia economics. The thematic synthesis identifies four main themes: (1) the socio-economic structure and social role of traditional markets; (2) transformation and modernization challenges; (3) actualization of sharia economic value in traders' practices; and (4) the direction of empowerment and repositioning of digital-based markets and sharia cooperatives. The results show that traditional markets are still the backbone of the people's economy, but face pressure from modern markets and global digitalization. Limited digital adaptation, weak sharia institutions, and changes in consumer behavior are the main challenges. Empowerment strategies based on sharia digitalization, the establishment of sharia cooperatives, and strengthening market ethics are suggested so that traditional markets remain relevant, competitive, and socially just in accordance with the principles of sharia maqashid. This study makes a theoretical and practical contribution to the development of local economic policies based on Islamic values.
Competitiveness Strategies for Traditional Markets: A Sharia Economic Perspective in the Digital Era and Global Market Afril, Afril; Fahlefi, Rizal
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.604

Abstract

This study analyzes the competitiveness of traditional markets amidst the pressures of modern and digital markets. Using a case study of Batusangkar Market in Tanah Datar Regency, West Sumatra, the research examines technological adaptation, merchant strategies, and the implementation of Islamic economic values. The study employs a qualitative phenomenological approach, utilizing primary data collected via semi-structured interviews with merchants possessing over 30 years of trading experience. Data analysis followed Miles and Huberman’s interactive model encompassing reduction, display, and verification validated through theoretical triangulation and member checking. The findings reveal that Batusangkar traditional market faces a decline in trade activity driven by infrastructural deficiencies, shifting consumer behaviors, and low digital literacy among merchants. Nevertheless, Sharia economic values, specifically honesty (ṣidq), justice (‘adl), trustworthiness (amānah), and mutual assistance (ta‘āwun), persist as moral anchors ensuring business continuity. These values represent a unique form of non-material competitiveness absent in modern market systems. Consequently, from an Islamic economic perspective, traditional market revitalization requires a dual focus: structural strengthening (improving infrastructure, institutions, and digital literacy) and spiritual strengthening (reinforcing trade ethics and the principle of barakah) to establish a fair, inclusive, and sustainable market aligned with maqāṣid al-syarī‘ah.
Co-Authors AA Sudharmawan, AA Afriani Afriani AFRIANI AFRIANI Afril, Afril AHMAD LUTFI Akmal, Reza Alimin Alimin Alimin Alimin, Alimin Amuz, Annisa Arifah, Lidyana Asyari Hasan Azizah, Aprilia Nur Candra, Revi Deni Putra, Muhammad Desmadi Saharuddin Deswan, Roki Ade Diana Putri, Meli Effendi, Amri Elfadhli Elfadhli, Elfadhli Elimartati Elimartati Erniyanti, Liza Fadilla, Siti Firdaus, Nil Gustomi, Asrul Hidayati, Azifah Himyar Pasrizal HUSNI SHABRI Indah Fitrah Nauri Intan Purnama Sari Ismail, Dailani kamali kamali, kamali Kasih, Santi Yulia Masdar, Rita MUHAMMAD MANSUR Nauri, Indah Fitrah Nita Fitria Nita Fitria Nurul Fauzi Nurwijayanti Putra, Muhammad Deni Putri, Lara Aziza Putri, Siska Qutranada, Vira Rahmat Firdaus Ramadhan, Rifki Rasna, Fauzia Rizal Rizal Roki Ade Deswan Saputra, Megi Sari, Rivian Anda Shahmi, Mohammad Aliman Sitri Nofrita Sari Wadi, Moh. Widi Nopiardo Widi Nopiardo Widia Lestari Witri, Witri Zainuddin Zainuddin Zainuddin, Zainuddin Zetria, Fauza Dwi Zikri, Miftahul Zulkifli Zulkifli