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Konsep Mudharabah dan Musyarakah dalam Perbankan Syariah Menurut Abdullah Saeed Edo Segara Gustanto
Mutanaqishah: Journal of Islamic Banking Vol. 1 No. 2 (2021): December 2021
Publisher : Department of Islamic Banking

This article discusses the concept of profit sharing which is an issue in the debate of Islamic Banking in Indonesia. Researchers try to review how the concept of profit sharing is elaborated with Abdullah Saeed's thoughts. Abdullah Saeed is an Australian scholar and scholar studying Islamic studies. He is currently the Omani Professor of Arabic and Islamic Studies at the University of Melbourne. He is known for his progressive views on religious freedom in Islam.

Meningkatkan Indeks Maqashid Syariah melalui Pengelolaan Zakat untuk Pemberdayaan Ekonomi Umat Abdul Jalil; Edo Segara Gustanto
Jurnal Ekonomi Islam Vol 2 No 1 (2023): February 2023
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/iefj.v2i1.127

This article discusses the crucial role of zakat management in achieving the broader goals of Maqashid Syariah, especially in the context of economic empowerment of the people. Maqashid Sharia, which covers the maintenance of religion, life, reason, offspring, and wealth, plays an essential role in Islamic law and is the main guideline for achieving the prosperity of Muslim society. Zakat management is a vital tool in achieving the goals of Maqashid Syariah. Zakat, as one of the essential pillars of Islam, not only functions as a religious obligation but also as a vital instrument for empowering the people's economy. We investigate how Zakat can improve the Sharia Maqashid Index by focusing on economic aspects, including efforts such as micro-enterprises, education financing, skills training, and other productive initiatives. This article also presents case studies and real examples from communities and countries that have succeeded in incorporating Zakat in efforts to empower the economy of their people. Analysis of the impact of these cases reveals Zakat's great potential in achieving Maqashid Syariah's goals, such as more equitable and sustainable economic prosperity.

Konsep Etis Religius dengan Pendekatan Maqashid Syariah Perspektif Thaha Abd Al-Rahman Edo Segara Gustanto; Asmuni Asmuni; Rusdi Rizki Lubis
BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam Vol 5 No 1 (2024): BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M), Sekolah Tinggi Ilmu Islam dan Bahasa Arab (STIBA) Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36701/bustanul.v5i1.1341

This study aims to understand and analyze the concept of religious ethics in the Maqasid al-Shariah approach according to Thaha Abd al-Rahman. The method used is a qualitative method with a philosophical approach and textual analysis. Data were collected through literature studies, interviews, and document analysis. The results of this research indicate that the thoughts of Thaha Abd Al-Rahman provide valuable contributions to the development of a contextual, ethical, and relevant Islamic paradigm for the current era. By integrating alternative modernity concepts, belief as a foundation, religious ethics, and maqasid shariah, Taha Abd Al-Rahman forms a solid foundation for the realization of a just, equitable, and ethical society in the modern era. The implication of this research is that the concept of religious ethics in the Maqasid al-Shariah approach by Taha Abd al-Rahman can be a guide for Muslims in their daily lives. It is recommended that educational institutions, both formal and informal, introduce this concept to the community to improve their understanding of religious ethics in Islam.

Maqashid Sharia Analysis of the Decree on the Use of Zakat Funds for Disaster Management Gustanto, Edo Segara; Asmuni, Asmuni
AN NUR: Jurnal Studi Islam Vol. 15 No. 2 (2023): July - December
Publisher : Institut Ilmu Al-Qur'an (IIQ) An-Nur Yogyakarta Komplek PP An Nur Ngrukem PO BOX 135 Bantul 55702 Yogyakarta Tlp/Fax (0274) 6469012. http://jurnalannur.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37252/annur.v15i2.617

This writing analyzes the decree regarding the use of zakat funds for disaster management using the Maqashid Sharia approach. Maqashid Sharia is a conceptual framework aimed at fulfilling the goals of Islamic law, such as hifzh al-mal (protection of wealth), hifzh an-nafs (protection of life), and hifzh ad-din (protection of religion). The analysis covers aspects of legality, utility, and the balance of zakat fund distribution in facing disaster situations. The results of this analysis are expected to provide a deeper insight into the relevance and effectiveness of the related decree in the context of disaster management while adhering to the principles of Maqashid Sharia. In writing this article, the author adopts the Maqashid Sharia perspective of Imam Asy-Syatibi. Asy-Syatibi is chosen because he is one of the great scholars who formulated the science of Maqashid asy-shari'ah and al-muwafaqat. Imam Syatibi's most significant work, al-muwafaqat, is a scholarly contribution to the field of usul fiqh and a comprehensive reform of Islamic scholarship. According to Syatibi, Allah revealed the Sharia (legal rules) solely to bring about benefits and prevent harm (jalbul mashalih wa dar'ul mafasid). In simpler terms, the legal rules prescribed by Allah are for the benefit of humanity. Certainly, Asy-Syatibi's Maqashid Sharia approach can be linked to the issuance of a decree on the use of zakat funds for disasters in a humanitarian context.

The Progressiveness of Islamic Financial Regulations In Encouraging The Growth of The Halal Ecosystem In The Digital Era Hidayanto, Bani Idris; Gustanto, Edo Segara; Rahmawanti, Intan Nur
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1120

The Islamic financial digitalization program is supported by several regulations both from laws and regulations, POJK No. 13/POJK.02/2018, Fatwa DSN-MUI No. 117 of 2008 concerning Technology-Based Financing Services based on Sharia Principles. This research applies a method in the form of literature research with a qualitative description approach. The purpose of this research can be used as a reference for the development of knowledge to comprehend the benefits of sharia economic law and as an effort to expand understanding related to the development of sharia financial regulations. The results of this research discussion is devided into two, the first one is that the development and progressivity of Islamic financial regulations in Indonesia is quite good, but still passive, the regulations which are less responsive in responding product developments in this digital era. Some regulations are still regulated in old regulations that have not shown digitalization in Islamic finance. Besides that, regulations are still spreading in various regulations and still no address for this subject matter specifically. The second, with the advancements in Islamic financial regulation, the halal ecosystem can thrive in the digital era. This will support the sustainable economic growth, the increase of financial inclusion, and provide Sharia-compliant financial solutions for an increasingly digitally connected global society.

THE INFLUENCE OF ACCOUNTABILITY, TRANSPARENCY, AND PROFESSIONALISM OF INSTITUTIONS ON THE LEVEL OF MUZAKKI'S TRUST IN PAYING ZAKAT AT LAZISNU DIY Adamy, M. Fikrul Humam; Faozi, Mohammad; Gustanto, Edo Segara; Kamilulloh, Farhan
Jurnal Asy-Syukriyyah Vol. 25 No. 2 (2024): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v25i2.575

The purpose of this research is to determine the influence of accountability on the level of trust of Muzakki in Paying Zakat at PWNU Care LAZISNU DIY (Daerah Istimewa Yogyakarta, the influence of transparency on the level of trust of muzakki in paying zakat at PWNU Care LAZISNU DIY, the influence of professionalism on the level of trust of muzakki in paying zakat at PWNU Care LAZISNU DIY, and the influence of accountability, transparency, and professionalism on the level of trust of muzakki in paying zakat at PWNU Care LAZISNU D.I.Y. This research falls under the category of quantitative research, where the study is associated with numbers, tables, and graphs, utilizing the SPSS 26 tool to determine the results of validity tests, reliability tests, multiple linear regression, t-tests, F-tests, and coefficient of determination (R2). The sample used consisted of 83 Muzakki with a random sampling technique, and a questionnaire was employed as the data collection method. The results of this research indicate that accountability, transparency, professionalism, and accountability have a significant negative effect on the level of trust of Muzakki. Additionally, the variables of Accountability, Transparency, and Professionalism of the institution collectively and significantly influence the Level of Trust of Muzakki.

Mitigating Gharar in Sharia Capital Market Volatility: Governance, Regulation, and Technology: Mitigasi Gharar dalam Volatilitas Pasar Modal Syariah: Tata Kelola, Regulasi, dan Teknologi Muhammadi, Ali Akbar Ruhullah; Gustanto, Edo Segara; Arfaizar, Januariansyah; Muhammadi, Ali Asghar Fadlullah
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 16 No. 1 (2024): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/yxqd6f17

Abstract: This study analyzes the characteristics of gharar and the impact of market volatility on Sharia-compliant issuers in Islamic capital markets. In Islamic economics, gharar refers to uncertainty or ambiguity in transactions, which is prohibited as it can harm investors and create market instability. The study demonstrates that speculative activities, which frequently occur in capital markets, exacerbate gharar by causing irrational price fluctuations and high volatility. This can obscure the intrinsic value of stocks and increase uncertainty in investment decision-making by Sharia-compliant investors. Using a juridical-empirical-normative approach, the study evaluates relevant regulations aimed at reducing gharar, such as DSN-MUI Fatwa No. 80/2011 and OJK Regulation No. 15/POJK.04/2015. The empirical approach gathers and analyzes market data, while the normative approach examines Sharia principles to develop risk mitigation policies. The findings highlight the importance of implementing stricter policies to control speculative activities, such as limiting margin trading and banning short selling, as well as emphasizing the need for stronger corporate governance and transparency among Sharia-compliant issuers. This study is limited in terms of its empirical data, which focuses on the Islamic capital market in Indonesia. Future research is recommended to include comparative analysis of international Sharia capital markets and explore the role of financial technology (fintech) in enhancing transparency and efficiency in Islamic capital markets. Abstrak: Penelitian ini menganalisis karakteristik gharar dan dampak volatilitas pasar terhadap emiten syariah di pasar modal syariah. Gharar dalam konteks ekonomi Islam merujuk pada ketidakpastian atau ambiguitas dalam transaksi, yang dilarang karena dapat merugikan investor dan menciptakan ketidakstabilan pasar. Penelitian ini menunjukkan bahwa aktivitas spekulatif, yang sering terjadi di pasar modal, memperburuk gharar dengan menyebabkan fluktuasi harga yang tidak wajar dan volatilitas tinggi. Hal ini dapat mengaburkan nilai intrinsik saham dan meningkatkan ketidakpastian dalam pengambilan keputusan investasi oleh investor syariah. Melalui pendekatan yuridis-empiris-normatif, penelitian ini mengevaluasi regulasi terkait untuk mengurangi gharar, seperti Fatwa DSN-MUI No. 80/2011 dan Peraturan OJK No. 15/POJK.04/2015. Pendekatan empiris digunakan untuk mengumpulkan dan menganalisis data pasar, sementara pendekatan normatif menelaah prinsip-prinsip syariah untuk mengembangkan kebijakan mitigasi risiko. Hasil penelitian ini menyoroti pentingnya penerapan kebijakan yang lebih ketat untuk mengendalikan aktivitas spekulatif, seperti pembatasan perdagangan margin dan larangan penjualan singkat, serta pentingnya penguatan tata kelola dan transparansi emiten syariah. Penelitian ini memiliki keterbatasan dalam hal cakupan data empiris, yang difokuskan pada pasar modal syariah di Indonesia. Penelitian di masa depan disarankan untuk mencakup analisis perbandingan pasar syariah internasional serta mengeksplorasi peran teknologi finansial dalam meningkatkan transparansi dan efisiensi pasar modal syariah.

THE INFLUENCE OF ACCOUNTABILITY, TRANSPARENCY, AND PROFESSIONALISM OF INSTITUTIONS ON THE LEVEL OF MUZAKKI'S TRUST IN PAYING ZAKAT AT LAZISNU DIY Adamy, M. Fikrul Humam; Faozi, Mohammad; Gustanto, Edo Segara; Kamilulloh, Farhan
Jurnal Asy-Syukriyyah Vol. 25 No. 2 (2024): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v25i2.575

The purpose of this research is to determine the influence of accountability on the level of trust of Muzakki in Paying Zakat at PWNU Care LAZISNU DIY (Daerah Istimewa Yogyakarta, the influence of transparency on the level of trust of muzakki in paying zakat at PWNU Care LAZISNU DIY, the influence of professionalism on the level of trust of muzakki in paying zakat at PWNU Care LAZISNU DIY, and the influence of accountability, transparency, and professionalism on the level of trust of muzakki in paying zakat at PWNU Care LAZISNU D.I.Y. This research falls under the category of quantitative research, where the study is associated with numbers, tables, and graphs, utilizing the SPSS 26 tool to determine the results of validity tests, reliability tests, multiple linear regression, t-tests, F-tests, and coefficient of determination (R2). The sample used consisted of 83 Muzakki with a random sampling technique, and a questionnaire was employed as the data collection method. The results of this research indicate that accountability, transparency, professionalism, and accountability have a significant negative effect on the level of trust of Muzakki. Additionally, the variables of Accountability, Transparency, and Professionalism of the institution collectively and significantly influence the Level of Trust of Muzakki.

Risk Management Strategy In Islamic Banks: An Artificial Intelligence Approach Gustanto, Edo Segara; Nugroho, Anton Priyo; Yahya, Muhammad Arif
Journal of Principles Management and Business Vol. 4 No. 01 (2025): June 2025
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/jpmb.v4i01.227

The development of digital technology has brought significant changes to the banking industry, including Islamic banking. One crucial aspect that has gained attention is risk management, considering that Islamic banks operate based on Sharia principles, which avoid riba (interest), gharar (uncertainty), and maysir (gambling). This study discusses risk management strategies in Islamic banks using an Artificial Intelligence (AI) approach as an innovative solution to enhance the efficiency and effectiveness of risk mitigation. AI offers several advantages, such as predictive analytics, anomaly detection, and automation in managing credit, liquidity, operational, and Sharia compliance risks. By leveraging AI technology, Islamic banks can identify risk patterns more quickly, optimize profit-sharing-based financing decisions, and improve compliance with applicable regulations. This research employs a qualitative descriptive approach through literature review and secondary data analysis to illustrate how AI can be applied in Islamic banking risk management. The findings indicate that integrating AI into the Islamic banking system not only strengthens resilience to risks but also supports transparency, operational efficiency, and customer trust. However, this study is limited by its reliance on secondary data and literature sources, which may not fully capture real-time implementation challenges faced by Islamic banks. Therefore, AI-based risk management strategies represent a strategic step to enhance the competitiveness of Islamic banks in the digital era.

Electronic Security and Sharia Compliance: Addressing Legal Challenges In Digital Banking In Indonesia Adzmi, Rifazul; Gustanto, Edo Segara; Rizki Lubis, Rusdi; Gunardi, Setiyawan
JEKSYAH: Islamic Economics Journal Vol. 5 No. 02 (2025): September 2025 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/jeksyah.v5i02.2836

This study employs a literature-based approach by analyzing academic sources, legal texts, and regulatory documents. The purpose is to examine the legal challenges faced by Islamic banking in Indonesia amid the digital transformation of financial services. Rapid digital developments have reshaped banking services, including Islamic banking. While offering significant opportunities, this transformation also presents complex legal challenges. The study identifies key issues, such as the security of electronic transactions, compliance with digital security standards, personal data protection, and the consistent application of Sharia principles in digital financial innovations. These challenges are further complicated by the need to align them with Indonesia’s legal framework, particularly Law No. 21 of 2008 on Islamic Banking and regulations issued by the Financial Services Authority (OJK). The findings highlight the importance of adaptive legal frameworks and cross-institutional collaboration. Strong coordination among regulators, industry actors, and Sharia scholars is required to establish a digital Islamic banking ecosystem that is both legally sound and compliant with Islamic values.

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