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Development of Halal Tourism Destinations on Lombok Island in Six Features Perspective of Jasser Auda’s Maqasid Syari’ah Alvien Septian Haerisma; Syamsul Anwar; Aziz Muslim
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 19 No. 2: December 2023
Publisher : Fakultas Studi Islam dan Peradaban, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v19i2.19437

This study aims to reveal how the implementation of the development of halal tourism destinations on the island of Lombok, Nusa Tenggara Barat (NTB). Researchers used parameters maqasid syari’ah of Jasser Auda to measure whether the goals can be achieved. This qualitative research applied case studies because the research object was limited to the island of Lombok. This study concluded that the motive for developing halal tourism destinations was a negative perception about tourism among Muslims in Lombok-NTB. The implementation of halal tourism development that complies with Sharia values was apparent in 4 components: attractions, accessibility, facilities, and support services. In this respect, a new perspective of maqasid al-syari’ah offered by Jasser Auda can be applied to improve people's welfare towards maslahah.

M-DIN Application Strategy of Bank Muamalat KCP Kuningan in the Era of Bank Digitalization Abdul Ghoni; Tria Lestari; Toto Suharto; Alvien Septian Haerisma
el-Jizya: Jurnal Ekonomi Islam Vol. 12 No. 1 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i1.10551

In the era of digitalization, the banking sector undergoes significant transformation to meet the increasingly sophisticated and mobile demands of customers. Bank Muamalat, as a leading Islamic bank in Indonesia, is not exempt from the pressure to innovate and adapt to technological changes. This research employs a qualitative method with a case study approach at Bank Muamalat KCP Kuningan. Data is collected through interviews with internal bank informants and customers, as well as direct observations. The research findings indicate that the operational procedures of the M-DIN application at Bank Muamalat are proven to be simple and user-friendly, providing convenience from registration to the creation of Transaction Identification Numbers (TIN). The bank adopts a proactive strategy with innovative features, including aspects of Islamic principles and unique services, demonstrating awareness of technological innovation. Active education provided to customers by bank employees successfully increases user interest in M-DIN. The application is directed to every customer opening an account, resulting in a significant increase in M-DIN adoption by Bank Muamalat.

Reconstruction of Homo Islamicus Concept: Normative Ideals and Reality of Modern Muslim Economic Behaviour Finita Rahmadani; Sri Dewi Miladiyah; Umamah Mumtazah Askhiyah; Sri Rokhlinasari; Alvien Septian Haerisma
el-Jizya: Jurnal Ekonomi Islam Vol. 14 No. 1 (2026): el-Jizya: Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v14i1.16196

This study aims to reconstruct the concept of Homo Islamicus so that it is not merely a static theological ideal, but rather an adaptive and practical model of economic behaviour capable of addressing the complexities of the modern market. This study employs a qualitative approach using a literature review method to critically analyse the theoretical construct. Data was collected through a literature review of books, academic journals, and relevant academic documents. The data analysis method employed in this study was inductive and contextual, thereby yielding a comprehensive understanding. The findings indicate that the concept of Homo Islamicus is normatively relevant in explaining the economic behaviour of contemporary Muslims in economic decision-making. However, this study indicates a gap in Homo Islamicus between the ideal nature of the concept and the reality of economic practice. In practice, inconsistencies were found between religious values and the economic behaviour of Muslims, which is influenced by environmental and social factors, as well as global market pressures, alongside a lack of internalisation of Islamic economic values. The study’s limitations highlight that Homo Islamicus remains largely normative and philosophical in nature, making it difficult to realise empirically within actual economic practices dominated by conventional systems. There is a gap between the ideal and the reality of actual behaviour, where Muslim individuals are still frequently caught up in materialistic consumption patterns.

Analisis Pengaruh Tingkat Bagi Hasil, Capital Adequacy Ratio (CAR), Dan Dana Pihak Ketiga Terhadap Pertumbuhan Deposito Mudharabah Pada Bank Muamalat Indonesia Periode 2015-2024 Dea Rahmalia; Alvien Septian Haerisma; Sri Rokhlinasari
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4548

This study aims to analyze the impact of the Profit-Sharing Rate, Capital Adequacy Ratio (CAR), and Third-Party Funds (DPK) on the growth of mudharabah deposits at Bank Muamalat Indonesia. The ARDL-ECM method is applied within this quantitative research to explore the inter-variable relationships more deeply. Through this framework, the study identifies both temporary short-term correlations and stable long-term relationships. The results indicate that, simultaneously, all three variables significantly influence the growth of mudharabah deposits. Partially, in the long run, all variables show a positive and significant effect, whereas in the short run, only DPK remains significant. These findings suggest that profit-sharing stability and capital strength play a crucial role in driving sustainable deposit growth, while short-term dynamics are more heavily influenced by fund-raising intensity. The novelty of this research lies in the use of the ARDL-ECM approach to detect differences in Sharia customer behavior toward banking indicators across two distinct timeframes

Optimalisasi Peran Baitul Maal Wa Tamwil (BMT) dalam Pemberdayaan Umkm: Pendekatan Maqashid Syariah dan Inklusi Keuangan Neng Ulpa Apipah; Ani Indah Sari; Sri Rokhlinasari; Alvien Septian Haerisma
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 4 No. 3 (2026): Juli : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v4i3.1902

This study investigates the role of Baitul Maal wa Tamwil (BMT) in empowering Micro, Small, and Medium Enterprises (MSMEs) through the integration of Maqashid Sharia principles and financial inclusion strategies. Despite the strategic importance of MSMEs in economic growth and poverty reduction, many face challenges in accessing formal financial services. BMT, with its dual function of social (maal) and commercial (tamwil) activities, offers a unique platform to bridge this gap. Using a qualitative systematic literature review guided by PRISMA, this study analyzes 30 relevant articles to examine BMT operational models, implementation of Maqashid Sharia objectives, financial inclusion practices, and their impact on MSME performance. Findings indicate that BMT effectively supports MSMEs in capital access, income generation, and business resilience, but inconsistencies in balancing social and commercial objectives limit. holistic empowerment. Integrating Maqashid Sharia principles enhances ethical and sustainable outcomes, while financial inclusion expands outreach to underserved entrepreneurs. Optimization strategies, including strengthening institutional capacity, combining financial and non-financial support, and context-specific interventions, are essential for maximizing BMT effectiveness. This study contributes a comprehensive framework linking ethical, financial, and empowerment dimensions, offering practical guidance for policymakers and BMT managers in promoting inclusive and sustainable MSME development.

Optimalisasi Peran Baitul Maal Wa Tamwil (BMT) dalam Pemberdayaan Umkm: Pendekatan Maqashid Syariah dan Inklusi Keuangan Neng Ulpa Apipah; Ani Indah Sari; Sri Rokhlinasari; Alvien Septian Haerisma
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 4 No. 3 (2026): Juli : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v4i3.1902

This study investigates the role of Baitul Maal wa Tamwil (BMT) in empowering Micro, Small, and Medium Enterprises (MSMEs) through the integration of Maqashid Sharia principles and financial inclusion strategies. Despite the strategic importance of MSMEs in economic growth and poverty reduction, many face challenges in accessing formal financial services. BMT, with its dual function of social (maal) and commercial (tamwil) activities, offers a unique platform to bridge this gap. Using a qualitative systematic literature review guided by PRISMA, this study analyzes 30 relevant articles to examine BMT operational models, implementation of Maqashid Sharia objectives, financial inclusion practices, and their impact on MSME performance. Findings indicate that BMT effectively supports MSMEs in capital access, income generation, and business resilience, but inconsistencies in balancing social and commercial objectives limit. holistic empowerment. Integrating Maqashid Sharia principles enhances ethical and sustainable outcomes, while financial inclusion expands outreach to underserved entrepreneurs. Optimization strategies, including strengthening institutional capacity, combining financial and non-financial support, and context-specific interventions, are essential for maximizing BMT effectiveness. This study contributes a comprehensive framework linking ethical, financial, and empowerment dimensions, offering practical guidance for policymakers and BMT managers in promoting inclusive and sustainable MSME development.

Asimetri Informasi dan Moral Hazard dalam E-Commerce: A Systematic Literature Review dalam Perspektif Ekonomi Islam Hagi Andhika; Fakhri Ahmad Zainunnuri; Sri Rokhlinasari; Alvien Septian Haerisma
MASILE JURNAL STUDI ILMU KEISLAMAN Vol. 7 No. 1 (2026): Masile Jurnal Studi Ilmu Keislaman
Publisher : Insitut Pesantren Babakan cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.68698/masile.v7i1.263

This study aims to analyze the phenomena of information asymmetry and moral hazard in e-commerce through a Systematic Literature Review (SLR) approach from an Islamic economics perspective. The rapid growth of e-commerce, particularly social commerce, has increased consumers’ reliance on digital information such as ratings, reviews, and product reputation, which do not always reflect actual product quality. This condition leads to information asymmetry between sellers and buyers and creates opportunities for moral hazard behavior, including the manipulation of reviews, ratings, and product information. This research employs a qualitative method using an SLR approach based on the PRISMA framework to select relevant literature published between 2021 and 2025. The data are analyzed using thematic analysis to identify keythemes related to information asymmetry, moral hazard, their impact on consumer behavior and market efficiency, and the perspective of Islamic economics. The findings indicate that information asymmetry is the primary factor causing market distortion, while moral hazard emerges as a consequence of weak transparency and monitoring in digital systems. These phenomena contribute to decreased consumer trust, distorted perceptions of product quality, and market inefficiency. From an Islamic economics perspective, such practices contradict the principles of honesty, transparency, and fairness, and can be categorized as forms of gharar (uncertainty) and tadlis (fraudulent misrepresentation). This study concludes that integrating conventional economic approaches with Islamic economic principles is essential to develop a digital ecosystem that is not only efficient but also just and sustainable. Keywords: Information Asymmetry, Moral Hazard, E-Commerce, Islamic Economics, Systematic Literature Review

Juridical Analysis of Human Trafficking in Batam City Viewing from Human Rights Abdul Aziz; Alvien Septian Haerisma; Yuyun Yuningsih
Interdiciplinary Journal and Hummanity (INJURITY) Vol. 1 No. 2 (2022): INJURITY: Journal of Interdisciplinary Studies.
Publisher : Pusat Publikasi Nusantara

This research was conducted in the coastal area of Gebang Mekar Village, Gebang District, Cirebon Regency. This study aims to analyze (1) the effect of working capital on the income of fishermen in Gebang Mekar, Cirebon Regency. (2) the effect of catches on the income of fishermen in Gebang Mekar, Cirebon Regency. (3) the effect of selling price on the income of fishermen in Gebang Mekar, Cirebon Regency. (4) the effect of working capital, catch, and selling price together on the income of fishermen in Gebang Mekar, Cirebon Regency. This study uses a quantitative descriptive approach with the type of survey research. The population in this study are fishermen who own the Gebang Mekar boat/ship. The sampling technique was purposive sampling with a total sample of 85 fishermen who own boats/ships. Data were collected through an open questionnaire. This study uses multiple linear regression analysis to determine the effect between the independent variables and the dependent variable. The results of this study found that: 1) working capital partially has no effect on the income of fishermen in Gebang Mekar, Cirebon Regency. 2) the catch has an effect on the income of fishermen in Gebang Mekar, Cirebon Regency. 3) the selling price has no effect on the income of fishermen in Gebang Mekar, Cirebon Regency. 4) working capital, catch, and selling price simultaneously affect the income of fishermen in Gebang Mekar, Cirebon Regency. Based on the results of this study, it was found that the catch variable was the most dominant variable contributing to fishermen's income obtained from fishing activities.

Short- and Long-Run Determinants of Mudharabah Deposit Growth: Evidence from Bank Muamalat Indonesia Dea Rahmalia; Alvien Septian Haerisma; Sri Rokhlinasari
CIEBER: Contemporary Islamic Economic and Business Review Vol. 2 No. 2 (2026): Ekonomi Berdampak dan Berkelanjutan
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v2i2.33

This study aims to analyze the impact of the Profit-Sharing Rate, Capital Adequacy Ratio (CAR), and Third-Party Funds (DPK) on the growth of mudharabah deposits at Bank Muamalat Indonesia. The ARDL-ECM method is applied within this quantitative research to explore the inter-variable relationships more deeply. Through this framework, the study identifies both temporary short-term correlations and stable long-term relationships. The results indicate that, simultaneously, all three variables significantly influence the growth of mudharabah deposits. Partially, in the long run, all variables show a positive and significant effect, whereas in the short run, only DPK remains significant. These findings suggest that profit-sharing stability and capital strength play a crucial role in driving sustainable deposit growth, while short-term dynamics are more heavily influenced by fund-raising intensity. The novelty of this research lies in the use of the ARDL-ECM approach to detect differences in Sharia customer behavior toward banking indicators across two distinct timeframes.

Analysis of the Distribution and Sharia Compliance of Bank Muamalat’s Kuningan Branch “Soleh” (Hijrah Gold Solution) Product in the Digital Age Ela Nurlaela; Siti Aisah; Sri Rahayu; Misbahul Khoer; Sri Rokhlinasari; Alvien Septian Haerisma
JURNAL ECONOMINA Vol. 5 No. 4 (2026): JURNAL ECONOMINA, April 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i4.1998

This study aims to analyze the distribution mechanism and sharia compliance of the Solusi Emas Hijrah (SOLEH) product at Bank Muamalat in the digital era. The research uses a qualitative descriptive approach with a case study design. Data were collected through in-depth interviews, documentation, and literature studies, and analyzed using data reduction, data display, and conclusion drawing techniques. The results show that the gold financing mechanism through SOLEH is conducted using murabaha and rahn contracts, both manually and digitally through the Muamalat DIN application. From a sharia perspective, the implementation has complied with the principles set by DSN-MUI and international standards, including asset ownership, price transparency, and contract clarity. The use of digital systems in this product also reflects the concept of constructive possession (qabd hukmi). However, continuous supervision is required to minimize potential uncertainty risks. This study contributes to the development of digital Islamic financial services while maintaining sharia compliance.

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