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All Journal Al-'Adalah Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam JURIS (Jurnal Ilmiah Syariah) Al-Kharaj: Journal of Islamic Economic and Business Halal Research Journal El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Al-Muamalat : Jurnal Ekonomi Syariah Journal of Economic, Business and Engineering (JEBE) Jurnal Ekonomi Syariah dan Bisnis Wadiah : Jurnal Perbankan Syariah el-Jizya: Jurnal Ekonomi Islam Islamic Economic and Business Journal Maqdis: Jurnal Kajian Ekonomi Islam Likuid: Jurnal Ekonomi Industri Halal International Journal of Islamic Studies Higher Education International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) IAS Journal of Localities Iklila: Jurnal Studi Islam dan Sosial UKAZ: International Journal of Islamic Studies Mabrur: Academic Journal of Hajj and Umra BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Ahmad Wira, Ahmad
IAIN Imam Bonjol Padang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Other

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ANALYSIS OF THE LIMITATIONS OF THE ISLAMIC ECONOMIC EPISTEMOLOGY PARADIGM IN FACING CONTEMPORARY ECONOMIC CHALLENGES Sriutami, Wahyu; Wira, Ahmad; Novia, Aidil
El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Vol 5, No 1 (2025): Januari (El-Ecosy: Jurnal Ekonomi dan Keuangan Islam)
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/eeki.v5i1.4921

Abstract

dinamika ekonomi global yang semakin kompleks, terutama terkait dengan perkembangan teknologi dan globalisasi yang cepat. Penelitian ini bertujuan untuk menganalisis keterbatasan paradigma epistemologi ekonomi Islam dalam menghadapi tantangan ekonomi kontemporer, serta untuk memberikan rekomendasi terkait dengan pengembangan dan adaptasi paradigma ini. Metodologi yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan studi literatur, yang mencakup analisis terhadap teori-teori ekonomi Islam, perubahan ekonomi global, serta berbagai pandangan dan kritik terhadap epistemologi ekonomi Islam. Hasil penelitian menunjukkan bahwa paradigma epistemologi ekonomi Islam memiliki keterbatasan dalam menyikapi perubahan teknologi yang pesat dan fenomena globalisasi, yang mengarah pada kesenjangan dalam pengembangan kebijakan ekonomi yang lebih inklusif dan adaptif terhadap tantangan zaman. Pembahasan menekankan perlunya pembaruan dan rekonstruksi epistemologi ekonomi Islam agar lebih responsif terhadap dinamika global, dengan memperhatikan integrasi nilai-nilai Islam yang relevan dalam konteks modern. Kesimpulannya, untuk meningkatkan relevansi ekonomi Islam, perlu dilakukan rekonstruksi terhadap paradigma epistemologinya agar mampu menjawab tantangan-tantangan yang muncul akibat perubahan teknologi dan globalisasi yang cepat Islamic economics faces significant challenges in dealing with the increasingly complex dynamics of the global economy, primarily related to the rapid development of technology and globalization. This research aims to analyze the limitations of the epistemological paradigm of Islamic economics in facing contemporary economic challenges and provide recommendations related to the development and adaptation of this paradigm. The methodology used in this research is a qualitative approach with a literature study, which includes an analysis of Islamic economic theories, global economic changes, and several views and criticisms of Islamic economic epistemology. The results show that the Islamic economic epistemology paradigm has limitations in addressing rapid technological change and the phenomenon of globalization, which leads to gaps in the development of economic policies that are more inclusive and adaptive to the challenges of the times. The discussion emphasizes the need for renewal and reconstruction of Islamic economic epistemology to be more responsive to global dynamics by integrating Islamic values relevant to the modern context. In conclusion, to increase the relevance of Islamic economics, it is necessary to reconstruct the epistemological paradigm in order to be able to answer the challenges that arise due to technological change and rapid globalization.
Analysis Of The Implementation Of Productive Finance In Sharia Commercial Bank (Bus) In Padang City Anggraini, Misi; Wira, Ahmad; Duhriah, Duhriah
WADIAH Vol. 9 No. 2 (2025): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

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Abstract

Mudharabah and musyarakah contracts as productive financing do not yet dominate in sharia financial institutions. However, in practice there are problems, one of which is related to the implementation of the contract. The aim of the research is to determine the implementation of Mudharabah and musyarakah contracts in Productive Financing carried out by Sharia Commercial Banks (BUS) along with the feasibility of approval for productive financing at Sharia Commercial Banks (BUS) in Padang City what's in it. The research method uses qualitative methods. The case study approach was carried out through interviews with Sharia Commercial Banks (BUS) which implement productive financing. The natural observation approach was carried out through the appointment of four volunteers who had been appointed and determined by researchers to identify the application of financing for MSMEs in Padang. The results show that the implementation of productive financing at Sharia Commercial Banks (BUS) in Padang City shows two Sharia Commercial Banks implementing mudharabah and musyarakah contract financing for MSMEs. The implementation of mudharabah and musyarakah contracts carried out by Sharia Commercial Banks (BUS) in Padang City is in line with theory, the MUI DSN Fatwa and previous research for the implementation of Sharia Commercial Banks in Padang City.
Phenomenology of Divorce Through Social Media in Muslim Societies Sobri, Sobri; Wira, Ahmad; Subagio, Mukhamad Hadi Musolid
International Journal of Multidisciplinary Research of Higher Education Vol 8 No 2 (2025): (April) STEM, Education, Religion Studies, Social Sciences and Economic Developme
Publisher : Islamic Studies and Development Center in Collaboration With Students' Research Center Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ijmurhica.v8i2.296

Abstract

Divorce in Muslim society has become a complex and concerning phenomenon. Advances in technology and the widespread use of social media have influenced the dynamics of divorce in this society. This study aims to understand the phenomenology of divorce through social media in Muslim society using a qualitative phenomenological approach. The results of the study indicate that social media plays an important role in the divorce process, both as a cause and as a consequence. Factors such as lack of communication, suspicion, and the influence of social media on household relationships are the main causes of divorce. In addition, social media is also used as a means to announce divorce, seek emotional support, and build post-divorce identity. Therefore, there is a need for awareness of the impact of social media on household relationships, the importance of effective communication and trust in the household and the need for support from family, society and religious institutions. Therefore, Muslim society must increase public awareness about the impact of social media, develop household education and counseling programs, and strengthen the role of religious institutions in supporting families.
RENTANBILITAS PENGGUNAAN DANA HAJI UNTUK INVESTASI INFRASTRUKTUR PADA BADAN PENGELOLA KEUANGAN HAJI (BPKH) Ikhwani, Aulia; Rozalinda, Rozalinda; Wira, Ahmad
Mabrur: Academic Journal of Hajj and Umra Vol. 3 No. 1 (2024): Mabrur: Academic Journal of Hajj and Umra
Publisher : Faculty of Da'wah and Communication, UIN Sunan Gunung Djati, Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/mjhu.v3i1.37182

Abstract

The research is aimed at discussing how the use of Hajj funds for infrastructure investment and to identify implementation of the Hajj Fund investment management. This type of research is normative legal research In the process of data collection, the authors use the method of research library of data sources i.e. legislative regulations, books, official documents, publications, and research results. The results of this research show that no investment of Hajj funds for infrastructure, but in the form of publication of Syari’ah State Valuable Letter (SBSN) in Sukuk Haji Fund Indonesia (SDHI) invested and also carried out in form of banking products, securities, gold, direct investment and other investments. The placement and/or investment of Hajj finances is carried out in accordance with the principles of Shariah, taking into account security, caution, value of benefits, and liquidity.
Determinants of Umrah Pilgrims’ Satisfaction: The Mediating Role of Trust Yanti, Juli Darma; Fitri, Anisa Tul; Mustika, Ruri; Novia, Aidil; Wira, Ahmad
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.7106

Abstract

This study aims to examine the effect of service quality, price perception, experiential marketing on Umrah pilgrims' satisfaction with trust as a mediating variable. The research method used is quantitative with data analysis techniques using SEM (Structual Equation Model) with Smart-PLS. The results of this study reveal that only one direct effect is positive and significant, namely: Service quality has a positive but insignificant effect on Umrah pilgrims' satisfaction, perceived price has a negative and insignificant effect on Umrah pilgrims' satisfaction, Experiential marketing has a positive but insignificant effect on Umrah pilgrims' satisfaction, trust has a positive and significant effect on Umrah pilgrims' satisfaction, service quality has a positive but insignificant effect on Umrah pilgrims' trust, price perception has a positive but insignificant effect on the trust of Umrah pilgrims, experiential marketing has a negative and insignificant effect on trust, service quality through trust has a positive and insignificant effect on the satisfaction of Umrah pilgrims, price perception through trust has a positive and insignificant effect on the satisfaction of Umrah pilgrims, and experiential marketing through trust have a positive and insignificant effect on Umrah pilgrims' satisfaction. Keywords: Service Quality; Price Perception; Experiential Marketing; Satisfaction dan Trust. Keywords: Service Quality; Price Perception; Experiential Marketing; Satisfaction dan Trust.
The Rise and Fall of Leasing Syariah During The Pandemic Covid-19 Anggraini, Misi; Rozalinda, Rozalinda; Wira, Ahmad
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 10 No. 1 (2023): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v10i1.23737

Abstract

The purpose of this study is to analyze the rise and fall of sharia leasing during the Covid-19 Pandemic. This research uses the literature study method with a descriptive approach, a qualitative part. The data comes from magazines, books, websites, and other official documents. The results of the study show that economic development during the Covid-19 Pandemic still had an impact on sharia financing and leasing. This impact is felt from reducing assets to increasing gross premiums. However, not all obstacles to the ups and downs of sharia leasing are caused by the Covid-19 Pandemic. The existence of conventional leasing for a long time, satisfaction with services, management processes and procedures, and governance structures cause other factors. The conclusion is that the rise and fall of sharia leasing are not only caused by the Covid-19 Pandemic but also by several other factors.
Mengukur Tingkat Kemiskinan Materil Dan Sprituil Masyarakat Di Kabupaten Kerinci Pendekatan Cibest; Telaah Terhadap Peran BAZNAS Putra, Dontes; Rozalinda; Wira, Ahmad
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 7 No. 1 (2024)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v7i1.7207

Abstract

Tujuan dari penelitian ini adalah untuk melihat bagaimana pendapatan Mustahik berubah sebelum dan sesudah mereka menerima bantuan keuangan zakat dengan menggunakan model CIBEST. Selain itu, penelitian ini juga menyelidiki peran zakat dalam meningkatkan kesejahteraan Mustahik dan mengurangi kemiskinan di Kabupaten Kerinci. Penelitian ini bersifat kuantitatif. Penelitian ini mengumpulkan data dari mustahik yang terdaftar di BAZNAS Kabupaten Kerinci yang berhak menerima bantuan zakat. Penelitian ini menemukan bahwa dana zakat produktif yang diberikan oleh BAZNAS Kabupaten Kerinci meningkatkan pendapatan rumah tangga mustahik sebesar Rp. 1.603.125 sebelum diberikan, meningkat menjadi Rp. 3.128.125, dan menurunkan tingkat kemiskinan rumah tangga mustahik sebesar Rp. 1.603.125. BAZNAS Kabupaten Kerinci berharap dapat menggunakan analisis CIBEST untuk mengidentifikasi kondisi rumah tangga.
Pengaruh Literasi Keuangan Syari’ah, Religiusitas Terhadap Minat Generasi Z Menggunakan Asuransi Syari’ah Darma Yanti, Juli; Safitri, Denta; Rozalinda; Wira, Ahmad
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 7 No. 2 (2024)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v7i2.11519

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasikeuangan syari’ah dan religiusitas terhadap minat generasi z dalam menggunakan asuransi syariah.Penelitian ini menggunakan pendekatan kuantitatif, dengan menghimpun data primer yang diambil melalui instrumen kuesioner.Sumber data dalam penelitian ini ialah generasi z di Kota Padang, teknik analisis data menggunakan analisis regresi dengan alat uji analisis SPSS. Hasil penelitian terlihat bahwa apabila tingkat pengetahuan tentang literasi keuangan syari’ah dari gen z juga akan meningkatkan minat generasi z dalam mengunakan asuransi syari’ah. Pada realitanya secara garis besar masih banyak diantara generasi z yang tidak mengenal asuransi syari’ah, hal ini dilihat dari 130 responden penelitian mayoritas responden tidak memiliki asuransi syari’ah, sedangkan resiko yang akan terjadi dimasa akan datang tidak bisa diprediksi. Ditinjau dari aspek religiusitas generasi z memiliki nilai religiusitas yang tinggi, namun masih mengabaikan produk produk syari’ah khususnya asuransi syari’ah.
Sharia Governance and Risk Mitigation in E-Wallets: Implications for SDG 8 Abdul Razak, Nurul Asikin Binti; Ahmad, Shofian Bin; Zakaria, Zamzuri Bin; Wira, Ahmad
al-'adalah Vol 22 No 1 (2025): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/5ramjb85

Abstract

The rapid advancement of financial technology (fintech) has driven the adoption of e-wallets as a widely used medium for digital transactions. However, within the Islamic finance context, challenges such as Sharia compliance, transaction security, and effective governance persist. This study investigates the role of Sharia governance in mitigating legal, operational, and reputational risks associated with e-wallets and explores its implications for Sustainable Development Goals (SDG) 8, which emphasizes decent work and economic growth. Using a qualitative approach and secondary data analysis, the study examines Sharia governance frameworks, compliance challenges, and oversight mechanisms, including the role of the Sharia Advisory Board, periodic audits, and transparency in fund management. Findings reveal that robust Sharia governance reduces compliance uncertainties, enhances consumer trust, and stabilizes the industry. Furthermore, systematic governance in e-wallets directly supports SDG 8 by fostering financial inclusion, creating decent job opportunities, and driving sustainable economic growth. The study emphasizes the need for standardized Sharia compliance protocols, regular audits, and collaboration between regulatory bodies and e-wallet providers to ensure effective and consistent adherence to Islamic principles. The insights are crucial for stakeholders to develop a resilient Islamic fintech ecosystem that aligns technological innovation with Sharia values and global sustainability goals
Impact of Corporate Social Responsibility Funds From PT. Telkom Indonesia on MSMEs Development in Padang City: an Islamic Economic Perspective Wira, Ahmad; Desya, Finasmi; Lubis, M Zaky Mubarak; Subagio, Mukhamad Hadi Musolin; Augusna, Wahyuni Lely
IKONOMIKA Vol 7, No 1 (2022)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v7i1.13802

Abstract

Micro, small, and medium enterprises (MSMEs) often borrow additional funds from third parties to develop their business, for example, corporate social responsibility (CSR) funds from state-owned companies such as PT. Telkom Indonesia (hereafter referred to as Telkom). This quantitative study aimed to ascertain the impact of CSR funds from Telkom on the development of MSMEs, especially those in the trade sector, in Padang City from an Islamic economic perspective. The data used in this study are primary data obtained through questionnaires filled by 52 MSMEs in the trade sector in Padang City, and secondary data, obtained from official documents from the Central Statistics Agency. Sampling and determination of the number of samples were achieved using a random sampling technique. The data analysis technique in this study used descriptive statistical analysis and inferential statistics through an analytical tool, namely, the Wilcoxon test. The results revealed a positive and significant impact on the CSR program of Telkom in developing MSMEs in the trade sector in Padang City from the perspective of Islamic economics. This positive and significant impact is evident in the changes in the income of MSMEs in the trade sector in Padang City, which increased by around 1–3 million rupiah after receiving CSR funds from Telkom since 2016. From the perspective of Islamic economics, the implementers of Telkom’s CSR fund program in the MSME trade sector in Padang City have adopted the basic principles of Islamic economic development, namely, the principles of responsibility and justice.
Co-Authors -, rozalinda Abdul Razak, Nurul Asikin Binti Afriyani, Maisyah Ahmad, Shofian Bin Aidil Novia, Aidil Alfian, Annisa Maulidia Andeska, M. Niko Anggraini, Misi Augusna, Wahyuni Lely Awaluddin Awaluddin Azis, Saipul Bahar, Muchlis Darma Yanti, Juli Desya, Finasmi Duhriah Duhriah Duhriah, Duhriah Effendi, Yollanda Era Sonita Fernanda, Ahmad Fithri, Widia Fitri, Anisa Tul Hadi, Wildan HANDRA, HEFRIZAL HELMALIA HELMALIA, HELMALIA Hulwati Hulwati Ikhwani, Aulia Jaswil, Irwandi Lubis, M Zaky Mubarak Mustika, Ruri Nisa', Annisa Suryani Oktapia Novia Indriani nusrida, helda Oktapia, Annisa' Suryani Putra, Dontes Rahmad Tri Hadi Rawati, Mesis Rida Rahim Rozalinda Rozalinda Rozalinda Safitri, Denta Salleh, Abdul Muizz Mohd Sepriandi, Rizki Jummi Septia, Septia Sobri Sobri Sriutami, Wahyu Subagio, Mukhamad Hadi Musolid Subagio, Mukhamad Hadi Musolin SURYANI OKTAPIA, ANNISA SYUKRIA, ALFI TESTRU HENDRA Wulandari, Chindy Yanti, Juli Darma Yenti Afrida Yusrial Yusrial Zakaria, Zamzuri Bin