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All Journal Al-Ulum Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Jurnal Ilmiah Ekonomi Islam SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam ILTIZAM Journal of Sharia Economic Research JURIS (Jurnal Ilmiah Syariah) TSAQAFAH Al-Maslahah 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-Masraf: Jurnal Lembaga Keuangan dan Perbankan Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Jurnal Al-ittifaq Imara: Jurnal Riset Ekonomi Islam Jurnal Manajemen Bisnis Syariah JSE: Jurnal Sharia Economica 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 ZISWAF: Jurnal Zakat dan Wakaf
Fahlefi, Rizal
Institut Agama Islam Negeri Batusangkar
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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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.
The Transformation of Philanthropy in Public Spaces: From the Tradition of Street Charity to an Islamic Social Economy Movement Masdar, Rita; 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.v6i02.606

Abstract

This research examines the transformation of philanthropy in public spaces, shifting from the practice of street charity (sedekah jalanan) toward a sustainable Islamic social economy movement, utilizing a Systematic Literature Review (SLR) approach. Out of 120 initial articles screened, 14 valid articles were analyzed to identify current patterns, themes, and practices. The review reveals four main findings: (1) street philanthropy functions as social capital that strengthens community solidarity and religious values; (2) spontaneous charity can be transformed into productive philanthropy through instruments like Zakat or Waqf (endowment), fostering the economic independence of recipients; (3) integration with Islamic social economy institutions, such as mosques and cooperatives, enhances accountability and sustainability; and (4) digitalization expands the participation of the younger generation and improves fund distribution efficiency. This phenomenon asserts that street philanthropy is not merely an act of giving, but a strategic instrument for socio-economic development rooted in Islamic values. This study concludes that strengthening coordination, transparency, and the integration of spiritual values with productive mechanisms can turn street philanthropy into a modern Islamic social economy movement that is inclusive, effective, and sustainable. These findings offer practical and theoretical contributions to the development of Islamic social economy literature and community-based philanthropic practices.
Praktik Filantropi Jalanan Sebagai Upaya Penguatan Ekonomi Umat: (Studi Kasus Sistem Bagi Hasil di Masjid Baitul Hamdi Nagari Tabek dalam Perspektif Ekonomi Islam) Diana Putri, Meli; Fahlefi, Rizal; Lutfi, Ahmad
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 5 No. 1 (2026): Januari: Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jempper.v5i1.5973

Abstract

This study aims to analyze the practice of street-based philanthropy carried out by the community of Baitul Hamdi Mosque in Nagari Tabek, Pariangan District, Tanah Datar Regency, from the perspective of Islamic economics and Minangkabau customary values. The research employs a qualitative approach with data collected through interviews, observations, and documentation. The findings reveal that the fundraising activities conducted on public roads are voluntary and transparent, based on mutual agreement between mosque administrators and community members. The revenue-sharing schemes of 60:40 and 50:50 reflect principles of fairness and mutual consent, in line with Islamic muamalah values. Theologically, this practice embodies the spirit of ta‘awun (mutual assistance), ihsan (beneficence), and amanah (trustworthiness). Socioeconomically, it functions as a grassroots mechanism for community empowerment. Minangkabau cultural values such as bulek kato dek mufakat (consensus-based decision-making) and barek samo dipikua, ringan samo dijinjiang (shared responsibility) further strengthen collective solidarity and accountability in managing communal funds. Thus, the street-philanthropy model practiced at Baitul Hamdi Mosque represents a community-based Islamic socio-economic system rooted in local wisdom, fully aligned with the principles of maqasid al-shariah in promoting justice, public welfare, and communal well-being.
Perilaku Palapau sebagai Tradisi Ekonomi Lokal: Kualitatif Berbasis Nilai-Nilai Ekonomi Islam di Minangkabau Saputra, Ega; Fahlefi, Rizal; Hidayati, Azifah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.4362

Abstract

Penelitian ini mengkaji perilaku palapau masyarakat Minangkabau dalam perspektif ekonomi Islam, dengan menyoroti bagaimana nilai-nilai perdagangan tradisional mencerminkan prinsip syariah seperti keadilan (al-‘adl), kemaslahatan (maslahah), dan larangan praktik yang merugikan. Pendekatan penelitian yang digunakan adalah kualitatif deskriptif melalui literatur review, dengan menganalisis literatur ekonomi Islam klasik dan kontemporer serta kajian budaya terkait praktik ekonomi masyarakat Minangkabau. Hasil penelitian menunjukkan bahwa palapau, sebagai etika berdagang yang berakar pada hubungan kekerabatan, kepercayaan, dan tanggung jawab komunal, selaras dengan nilai-nilai dasar ekonomi Islam, terutama dalam membangun kejujuran, kerja sama, dan transaksi yang berkeadilan. Namun, sejumlah tantangan juga ditemukan, seperti pengaruh persaingan pasar modern, perubahan kepatuhan terhadap norma adat, belum adanya mekanisme formal yang menjaga konsistensi keadilan dalam praktik palapau, kompetisi dengan ritel modern, perubahan gaya hidup dan generasi, akses permodalan yang terbatas, manajemen usaha yang tradisional, serta adanya kendala dalam hal regulasi dan perizinan. Akan tetapi dari berbagai tantangan tersebut, palapau masih tetap berlanjut di Minagkabau. Penelitian ini menyimpulkan bahwa perilaku palapau memiliki potensi besar sebagai model budaya dalam penerapan nilai-nilai ekonomi Islam di tingkat komunitas. Penguatan potensi tersebut memerlukan peningkatan literasi ekonomi syariah, revitalisasi norma adat yang sejalan dengan syariah, serta integrasi praktik palapau ke dalam sistem ekonomi kontemporer guna mewujudkan pembangunan ekonomi yang inklusif dan etis.
Co-Authors AA Sudharmawan, AA Afriani Afriani AFRIANI AFRIANI Afril, Afril Ahmad Lutfi AHMAD LUTFI Akmal, Reza Alimin Alimin Alimin Alimin, Alimin Amuz, Annisa Asyari Hasan Azizah, Aprilia Nur Bahreni, Fitri Candra, Revi Darniati, Lili Deni Putra, Muhammad Desmadi Saharuddin Deswan, Roki Ade Diana Putri, Meli Effendi, Amri Elfadhli Elfadhli, Elfadhli Elimartati Elimartati Erniyanti, Liza Fadilla, Siti Febri Yolanda, Dwi Hidayati , Azifah Hidayati, Azifah Himyar Pasrizal HUSNI SHABRI Indah Fitrah Nauri Intan Purnama Sari Ismail, Dailani kamali kamali, kamali Kasih, Santi Yulia Masdar, Rita Nauri, Indah Fitrah Nita Fitria Nita Fitria Nurul Fauzi Nurwijayanti Putra, Muhammad Deni Putri, Lara Aziza Qutranada, Vira Rahmat Firdaus Ramadhan, Rifki Rasna, Fauzia Rizal Rizal Roki Ade Deswan Saputra, Ega Saputra, Megi Sari, Rivian Anda Sitri Nofrita Sari Wadi, Moh. Widi Nopiardo Widi Nopiardo Widia Lestari Zainuddin Zainuddin Zainuddin, Zainuddin Zetria, Fauza Dwi Zikri, Miftahul Zulkifli Zulkifli