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Transformasi Keuangan Digital: Analisis Ekonomi Islam terhadap Pinjaman Online di Era Modern Syafarina, Dwi; Muzammil, Shofiyullah
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.12861

Abstract

Perkembangan teknologi informasi dan komunikasi memberikan dapak pada munculnya inovasi baru di berbagai bidang termasuk dalam bidang ekonomi, yaitu financial technology (fintech). Salah satu layanan fintech ialah peer to peer (P2P) lending yang menghubungkan pemberi pinjaman dengan peminjam secara online. Banyak perusahaan penyedia dana yang berkedok meminjamkan uang secara cepat, aman dan terpercaya dengan menerapkan sistem pengajuan yang sangat mudah, hanya mengunggah data pribadi dan uang akan segera cair. Namun, pada praktiknya pinjaman online menjadi masalah besar bagi Masyarakat, salah satunya disebabkan karena maraknya pinjaman online ilegal yang membahayakan, bunga yang tinggi dan penagihan pinjaman yang tidak sesuai dengan moral dan etika. Dengan metode tinjauan pustaka (literatur review), penulis akan menganalisis transformasi digital sektor keuangan, model bisnis dan kontroversi terkait pinjaman online, dan fenomena pinjaman online dari sudut pandang hukum ekonomi Islam. Hasil dari penelitian ini adalah transaksi pinjaman online menurut Ekonomi Islam bertentangan dengan prinsip-prinsip syariah serta tidak sah menurut Fatwa DSN-MUI No.117/DSN-MUI/II/2018 mengenai layanan pinjaman berbasis teknologi informasi karena mengenai ketentuan berdasarkan prinsip syariah, para pihak atau penyedia layanan tidak boleh bertentangan dengan prinsip syariah, yaitu riba. Untuk masyarakat terutama seorang muslim sebaiknya lebih bijak dan berhati-hati lagi dalam memilih pinjaman berbasis teknologi, untuk memastikan agar terhidar dari yang namanya riba dan memastikan bahwa pinjaman tersebut sudah sesuai atau belum dengan syariat Islam.
HUMANISME ALI SYARI’ATI: QS. IBRAHIM AYAT 4 SEBAGAI LANDASAN KEBERPIHAKAN MAHASISWA TERHADAP MASYARAKAT BAWAH Subekti, Fiqi Restu; Muzammil, Shofiyullah; Nugraha, Dendi
Al Iman: Jurnal Keislaman dan Kemasyarakatan Vol. 9 No. 2 (2025): Al-Iman Jurnal Keislaman dan Kemasyarakatan
Publisher : STID Raudlatul Iman Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research discusses Ali Shari’ati’s humanism thinking in the context of student’s alignment with the lower classes, by interpreting QS. Ibrahim verse 4. Shari’ati criticised the concept of Western humanism (liberalism, marxism and existentialism) which he considered too materialistic and did not take into account the spiritual dimension of man. Instead, he offers a tawhid-based humanism that emphasises man’s role as God’s representative on earth, with the main task of freeing the oppressed from social and structural shackles. This research uses a qualitative method with a literature study approach, analysing Ali Shari’ati’s works and other supporting literature. The results show that Ali Shari’ati’s concept of humanism encourages students to act as rausyan fikr (enlightened intellectuals) who are active in social change. Student’s alignment with the lower society must be manifested in the form of advocacy, empowerment, and real action based on religious and ethical values. By understanding Ali Shari’ati’s humanism, students can develop critical awareness and act as agents of change who contribute to social justice. This article asserts that siding with the oppressed is not just a moral choice, but also part of intellectual and spiritual responsibility. Abstrak Penelitian ini membahas tentang pemikiran humanisme Ali Syari’ati dalam konteks keberpihakan mahasiswa kepada masyarakat kelas bawah, dengan menafsirkan QS. Ibrahim ayat 4. Syari’ati mengkritisi konsep humanisme Barat (liberalisme, marxisme, dan eksistensialisme) yang dianggapnya terlalu materialistis dan tidak memperhitungkan dimensi spiritual manusia. Sebaliknya, ia menawarkan humanisme berbasis tauhid yang menekankan peran manusia sebagai wakil Tuhan di bumi, dengan tugas utama membebaskan kaum tertindas dari belenggu sosial dan struktural. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi pustaka, menganalisis karya-karya Ali Syari’ati dan literatur pendukung lainnya. Hasil penelitian menunjukkan bahwa konsep humanisme Ali Syari’ati mendorong mahasiswa untuk berperan sebagai rausyan fikr (intelektual yang tercerahkan) yang aktif dalam perubahan sosial. Keberpihakan mahasiswa kepada masyarakat kelas bawah harus diwujudkan dalam bentuk advokasi, pemberdayaan, dan tindakan nyata yang berlandaskan pada nilai-nilai agama dan etika. Dengan memahami humanisme Ali Syari’ati, mahasiswa dapat mengembangkan kesadaran kritis dan bertindak sebagai agen perubahan yang berkontribusi pada keadilan sosial. Artikel ini menegaskan bahwa berpihak pada yang tertindas bukan sekadar pilihan moral, tetapi juga bagian dari tanggung jawab intelektual dan spiritual.
HUMANISME ALI SYARI’ATI: QS. IBRAHIM AYAT 4 SEBAGAI LANDASAN KEBERPIHAKAN MAHASISWA TERHADAP MASYARAKAT BAWAH Subekti, Fiqi Restu; Muzammil, Shofiyullah; Nugraha, Dendi
Al Iman: Jurnal Keislaman dan Kemasyarakatan Vol. 9 No. 2 (2025): Al-Iman Jurnal Keislaman dan Kemasyarakatan
Publisher : STID Raudlatul Iman Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research discusses Ali Shari’ati’s humanism thinking in the context of student’s alignment with the lower classes, by interpreting QS. Ibrahim verse 4. Shari’ati criticised the concept of Western humanism (liberalism, marxism and existentialism) which he considered too materialistic and did not take into account the spiritual dimension of man. Instead, he offers a tawhid-based humanism that emphasises man’s role as God’s representative on earth, with the main task of freeing the oppressed from social and structural shackles. This research uses a qualitative method with a literature study approach, analysing Ali Shari’ati’s works and other supporting literature. The results show that Ali Shari’ati’s concept of humanism encourages students to act as rausyan fikr (enlightened intellectuals) who are active in social change. Student’s alignment with the lower society must be manifested in the form of advocacy, empowerment, and real action based on religious and ethical values. By understanding Ali Shari’ati’s humanism, students can develop critical awareness and act as agents of change who contribute to social justice. This article asserts that siding with the oppressed is not just a moral choice, but also part of intellectual and spiritual responsibility. Abstrak Penelitian ini membahas tentang pemikiran humanisme Ali Syari’ati dalam konteks keberpihakan mahasiswa kepada masyarakat kelas bawah, dengan menafsirkan QS. Ibrahim ayat 4. Syari’ati mengkritisi konsep humanisme Barat (liberalisme, marxisme, dan eksistensialisme) yang dianggapnya terlalu materialistis dan tidak memperhitungkan dimensi spiritual manusia. Sebaliknya, ia menawarkan humanisme berbasis tauhid yang menekankan peran manusia sebagai wakil Tuhan di bumi, dengan tugas utama membebaskan kaum tertindas dari belenggu sosial dan struktural. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi pustaka, menganalisis karya-karya Ali Syari’ati dan literatur pendukung lainnya. Hasil penelitian menunjukkan bahwa konsep humanisme Ali Syari’ati mendorong mahasiswa untuk berperan sebagai rausyan fikr (intelektual yang tercerahkan) yang aktif dalam perubahan sosial. Keberpihakan mahasiswa kepada masyarakat kelas bawah harus diwujudkan dalam bentuk advokasi, pemberdayaan, dan tindakan nyata yang berlandaskan pada nilai-nilai agama dan etika. Dengan memahami humanisme Ali Syari’ati, mahasiswa dapat mengembangkan kesadaran kritis dan bertindak sebagai agen perubahan yang berkontribusi pada keadilan sosial. Artikel ini menegaskan bahwa berpihak pada yang tertindas bukan sekadar pilihan moral, tetapi juga bagian dari tanggung jawab intelektual dan spiritual.
Democracy as Political Jihad: Evaluating Yusuf Qaradhawi's Vision and its Application in Indonesia Ramadan, Risky Aulya; Muzammil, Shofiyullah
Islamic Thought Review Vol. 2 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/itr.v2i1.7838

Abstract

This article examines the influence of Western secular thought on Islamic civilization, focusing on its repercussions within the political domain. The dominance of secular politics, which often conflicts with Islamic values, poses a significant challenge to Islamic governance principles. In response to this ideological shift, Yusuf Qaradhawi has called for a political reformation grounded in Islamic teachings, framing this transformative effort as a form of jihad. To investigate this perspective, the study employs qualitative research methods, specifically library-based research, and document analysis. Primary data is sourced from Yusuf Qaradhawi's own writings, while secondary data includes a range of books, scholarly journals, bulletins, and encyclopedias pertinent to the topic. The analysis reveals that the core principles of democracy—such as the right of citizens to elect their leaders freely—are compatible with Islamic values. However, the study also identifies notable deviations from these democratic ideals in practice. In the context of Indonesia, where Islamic values have been incorporated into the democratic framework, discrepancies between theoretical principles and actual political practices remain significant. This paper not only highlights the alignment between Islamic principles and democratic values but also critically assesses the challenges and inconsistencies faced in their implementation.
Muhammad Abduh’s Thought on Islamic Education Reform and Its Contemporary Implications in Indonesia Akbar, Rahmadani; Alkhadafi, Rahmad; Muzammil, Shofiyullah
Jurnal Inovasi Pendidikan Agama Islam (JIPAI) Vol. 5 No. 1 (2025): Jurnal Inovasi Pendidikan Agama Islam
Publisher : Islamic Religious Education Study Program Postgraduate Program UIN Sunan Gunung Djati Band

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jipai.v5i1.46678

Abstract

This study aims to analyze Muhammad Abduh's thoughts on Islamic educational reform and describe their relevance to the dynamics of contemporary Islamic education in Indonesia. Using a literature review method with descriptive-critical analysis of Abduh's primary works and secondary literature, this study identified four main ideas of reform: Abduh's rejection of blind imitation and his encouragement to develop a culture of critical thinking; criticism of tendentious books that paved the way for strengthening critical literacy and developing more objective teaching materials; reform of educational institutions that emphasized the integration of religious and modern sciences; and revitalization of the Islamic intellectual heritage (turats) through a contextual and interdisciplinary approach to reading. These findings show that Abduh's thinking can provide philosophical and practical direction for the development of madrasah and pesantren curricula, the improvement of teacher competence, and the modernization of learning methods that are more dialogical, rational, and adaptive to the challenges of the 21st century. Thus, this study contributes to explaining how Abduh's reformist ideas can be implemented to strengthen the quality and relevance of Islamic education in Indonesia.
QAWA'ID FIQHIYYAH DALAM EMPAT MAZHAB: TELAAH KOMPARATIF Syamilul Asror; Choer, Muhammad Masduki Ali; Muzammil, Shofiyullah
MASADIR: Jurnal Hukum Islam Vol. 4 No. 02 (2024): Oktober 2024
Publisher : Universitas Kiai Abdullah Faqih (UNKAFA) Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33754/masadir.v4i02.1355

Abstract

Artikel ini menyajikan studi perbandingan Qawa'id Fiqhiyyah di berbagai mazhab hukum Islam, yang bertujuan untuk menganalisis persamaan dan perbedaan dalam kaidah hukum yang diakui oleh masing-masing mazhab. Artikel ini menyoroti pentingnya prinsip-prinsip ini sebagai elemen dasar dalam hukum Islam, yang menyediakan kerangka kerja untuk menangani masalah hukum kontemporer yang tidak memiliki bukti tekstual eksplisit dari Al-Qur'an atau Sunnah. Studi ini menekankan definisi Qawa'id Fiqhiyyah sebagaimana diartikulasikan oleh para ulama terkemuka, yang menggambarkan penerapan umum mereka dalam berbagai konteks hukum. Lebih jauh, artikel ini mengeksplorasi penerapan kaidah-kaidah ini dalam mazhab Hanafi, Maliki, Syafi'i, dan Hanbali, yang menunjukkan bagaimana masing-masing mazhab mendekati putusan hukum dan tujuan mendasar dari yurisprudensi mereka. Pada akhirnya, analisis perbandingan ini bertujuan untuk meningkatkan pemahaman tentang sifat dinamis hukum Islam dan kemampuan adaptasinya terhadap berbagai konteks masyarakat.
Aesthetics of Hadroh Music in Islamic Education: A Study of Religious Thought and Spiritual Formation in Majlis Sholawat Bintang Songo Savero, Fiko; Miftahuddin Adha, Muhammad; Muzammil, Shofiyullah
AL GHAZALI: Jurnal Pendidikan dan Pemikiran Islam Vol. 6 No. 2: Maret-April 2026
Publisher : Sekolah Tinggi Agama Islam Al-Jami Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69900/ag.v6i2.574

Abstract

Hadroh music is a part of Islamic religious art traditions that have developed rapidly in Indonesia, especially through majlis sholawat. Hadroh is not only a form of entertainment but also a medium of religious preaching and spiritual strengthening for its participants. The aesthetics of hadroh music is an essential aspect for understanding how beauty, musicality, and spirituality merge within an artistic practice. However, studies on the aesthetics of hadroh music remain limited, particularly in the context of majlis such as Bintang Songo. This majlis is widely known for its hundreds of followers and its distinctive musical character. This study is important because it demonstrates how art can become both a cultural force and a spiritual bond for the community. This research employs a qualitative approach, chosen because the study focuses on collecting, observing, examining, and analyzing literature relevant to the theme of hadroh music aesthetics, especially within the practices of the Bintang Songo Majlis. The results show that the aesthetics of hadroh music in Bintang Songo lie in the combination of harmonious rebana arrangements, emotionally rich sholawat chants, and the spiritual interaction between vocalists, musicians, and the congregation. The uniqueness of Bintang Songo is its ability to create a festive religious atmosphere without losing the depth of spiritual meaning. These findings enrich the discourse on religious music in Indonesia by showing that the aesthetics of hadroh can serve as an effective medium of dakwah while also strengthening the cultural identity of Islam Nusantara. Moreover, this study opens new perspectives on the relationship between art, spirituality, and the social life of its participants. This research remains limited to a single majlis, namely Bintang Songo, so the generalization of its findings should be approached with caution. Further research is recommended to compare the aesthetics of hadroh music across other majlis sholawat to obtain a broader depiction of the diversity of hadroh aesthetics in Indonesia.
Aesthetics of Hadroh Music in Islamic Education: A Study of Religious Thought and Spiritual Formation in Majlis Sholawat Bintang Songo Savero, Fiko; Miftahuddin Adha, Muhammad; Muzammil, Shofiyullah
AL GHAZALI: Jurnal Pendidikan dan Pemikiran Islam Vol. 6 No. 2: Maret-April 2026
Publisher : Sekolah Tinggi Agama Islam Al-Jami Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69900/ag.v6i2.574

Abstract

Hadroh music is a part of Islamic religious art traditions that have developed rapidly in Indonesia, especially through majlis sholawat. Hadroh is not only a form of entertainment but also a medium of religious preaching and spiritual strengthening for its participants. The aesthetics of hadroh music is an essential aspect for understanding how beauty, musicality, and spirituality merge within an artistic practice. However, studies on the aesthetics of hadroh music remain limited, particularly in the context of majlis such as Bintang Songo. This majlis is widely known for its hundreds of followers and its distinctive musical character. This study is important because it demonstrates how art can become both a cultural force and a spiritual bond for the community. This research employs a qualitative approach, chosen because the study focuses on collecting, observing, examining, and analyzing literature relevant to the theme of hadroh music aesthetics, especially within the practices of the Bintang Songo Majlis. The results show that the aesthetics of hadroh music in Bintang Songo lie in the combination of harmonious rebana arrangements, emotionally rich sholawat chants, and the spiritual interaction between vocalists, musicians, and the congregation. The uniqueness of Bintang Songo is its ability to create a festive religious atmosphere without losing the depth of spiritual meaning. These findings enrich the discourse on religious music in Indonesia by showing that the aesthetics of hadroh can serve as an effective medium of dakwah while also strengthening the cultural identity of Islam Nusantara. Moreover, this study opens new perspectives on the relationship between art, spirituality, and the social life of its participants. This research remains limited to a single majlis, namely Bintang Songo, so the generalization of its findings should be approached with caution. Further research is recommended to compare the aesthetics of hadroh music across other majlis sholawat to obtain a broader depiction of the diversity of hadroh aesthetics in Indonesia.
The Polemic of Veil Restriction at UIN Sunan Kalijaga (Identity, Discourse Contest, and Struggle for Authority) Humaidi, Zuhri; Najib, Agus Moh.; Muzammil, Shofiyullah
FIKRAH Vol 10, No 2 (2022): December 2022
Publisher : Prodi Aqidah dan Filsafat Islam, Fakultas Ushuluddin, Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/fikrah.v10i2.16614

Abstract

The regulation of veil restriction at UIN Sunan Kalijaga, and its ensuing controversy, is a significant and meaningful event. The symbolic significance of the veil reflects identity problems, power dynamics, and disparities in religious, social, and political perspectives. This article analyses the ongoing power relations and practices underlying narrative discourse by collecting data in the mass media from February to April 2018. Using discourse analysis and Michel Foucault's Genealogy theory, the data was analyzed. The result shows; first, the case of the veil restriction at UIN Jogja is massive and phenomenal that it reflects the context of PTKI and even contemporary Indonesian Islam. Second, the cadres’ debate is replete with discourse contestation between opposing ideological factions, demonstrating the tight connection between knowledge and power. Third, it demonstrates the increasingly diversified form of contemporary Islam in Indonesia. Finally, this article helps to understand the dynamics of current Islamic thought, notably in PTKI, and the challenges of democracy in Indonesia.
The Baha’i Religion: Maqasid Syariah of Social Religious Frictions in Indonesia Muzammil, Shofiyullah
FIKRAH Vol 11, No 2 (2023): December 2023
Publisher : Prodi Aqidah dan Filsafat Islam, Fakultas Ushuluddin, Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/fikrah.v11i2.20317

Abstract

The contestation of conversation about the Baha'i religious group in Indonesia continues from time to time. In valuable retrospect, there has been much debate that characterizes the existence of the Baha'i group. As a result, it is very unfortunate that there are many frictions caused by socio-religious friction in the social sphere. This has led to many assumptions about religious freedom in Indonesia, which are increasingly showing a repressive trend. The author is interested in analyzing the various frictions that arise between the gaps in religious plurality in Indonesia, both pragmatic and paradigmatic. In addition, the author wants to examine how the role of the government can break the deadlock of friction. The research was conducted with a qualitative analysis oriented toward a literature review and Maqasid Syariah as a theoretical perception. Exploration research focuses on various phenomena that occur around the presence of Baha'is in Indonesia and how potential conflicts can arise in them. This research proves that the state needs to be present to accommodate various religions and coexist by prioritizing the concept of benefit for all citizens. In addition, the role of society in maintaining multicultural values must be initiated more intensely and in a dialogical manner.