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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Al-Syir'ah Turast: Jurnal Penelitian dan Pengabdian Ijtihad Jurnal AL-AHKAM AL-FALAH : Journal of Islamic Economics Kafa’ah: Journal of Gender Studies Jurnal Ekonomi Syariah Pelita Bangsa Wadiah : Jurnal Perbankan Syariah el-Jizya: Jurnal Ekonomi Islam JURIS (Jurnal Ilmiah Syariah) Istithmar: Jurnal Studi Ekonomi Syariah Jurnal Ekonomi dan Bisnis Abdurrauf Journal of Islamic Studies Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy Iklila: Jurnal Studi Islam dan Sosial
Duhriah, Duhriah
Universitas Islam Negeri Imam Bonjol Padang
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Role of Female Farm Workers in the Economic Resilience of Families in Koto Balingka District, West Pasaman District Sahara, Elfi; Bahar, Muchlis; Duhriah, Duhriah
AL-FALAH : Journal of Islamic Economics Vol. 9 No. 2 (2024)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v9i2.10896

Abstract

Purpose:This research aims to explore the contribution of female agricultural workers in strengthening family economic resilience from a sharia economic perspective.Design/Method/Approach:This research is field research with a qualitative descriptive approach. The informants in this research were 10 female farm workers in Koto Balingka District. Data collection techniques include observation, interviews and documentation and data analysis techniques used are data reduction, data presentation and drawing conclusions.Findings: The research results highlight the significant role of female agricultural workers in three main aspects of agricultural activities, namely planting, weeding and harvesting.Among the three forms of agricultural labor, women tend to dominate the role in weeding and harvesting in the agricultural sector. Not only are there differences in the division of labor, but in terms of wages there are also differences where women's wages are IDR 80,000 per day, while men's wages are IDR 100,000.Factors that encourage women to work as agricultural laborers include difficult economic conditions, low levels of education, and limited employment opportunities. Their participation has a very important impact on the economic security of the family, because their contribution helps improve the economic stability of the household. However, we need to recognize that there are negative impacts, such as changes in traditional roles within the family. The role of female agricultural workers in increasing family economic resilience can also be understood from a sharia economic perspective. By paying attention to indicators of family economic resilience, their role can be considered to have made a significant contributionOriginality/Values: this research analyzes the economic contribution of female agricultural workers to the family's income and economic resilience from a sharia economic perspective. This research aims to evaluate the role of gender in agricultural activities and assess the economic welfare of the families of female agricultural workers within the framework of sharia economics.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v9i2.1645

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.
Transformasi Perilaku Konsumen Muslim Berbelanja Di Pasar Modern Dan Pasar Online Nusrida, Helda; Bahar, Muchlis; Duhriah, Duhriah; Andeska, M. Niko
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 9 No. 02 (2024): JESPB Edisi Oktober 2024
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v9i02.1844

Abstract

Tujuan penelitian ini adalah untuk melihat bagaimana transformasi perilaku konsumen berbelanja di pasar modern dan pasar online. Penelitian ini dilakukan dengan menggunakan metode penelitian kualitatif dengan pendekatan penelitian menggunakan field research (penelitian lapangan). Informan dalam penelitian ini adalah mahasiswa UIN Imam Bonjol Padang sebanyak 30 orang. Pemilihan informan menggunakan purposive sampling. Teknik pengumpulan data berupa wawancara dan dokumentasi dan teknik analisis data yang digunakan adalah reduksi data, penyajian data, dam penarikan kesimpulan. Hasil penelitian ini menunjukkan Transformasi perilaku konsumen muslim berbelanja di pasar online dan pasar modern. 1)Konsumen muslim berbelanja di pasar modern dan pasar online pada tahap pengenalan masalah tidak mengalami perubahan yang signifikan. 2)Transformasi perilaku konsumen muslim saat mencari informasi diperoleh secara lebih detail melalui internet seperti; media sosial, web browser, konten digital, youtube, maupun platform belanja online. 3)Transformasi perilaku konsumen muslim saat melakukan evaluasi alternatif terdapat pada kesadaran atas aturanaturan syari’ah dengan mempertimbangkan kehalalan produk, rasional dengan mempertimbangkan mashlahah dan nilai guna, dan tidak bolehnya perilaku idzraf dan tabzir. 4)Transformasi perilaku konsumen muslim saat melakukan keputusan pembelian terdapat pada saat melakukan pembayaran pada pasar modern dengan menggunkan dompet digital. 5)Transformasi perilaku konsumen muslim pada tahap pasca pembelian terdapat pada kemudahan konsumen melakukan review.
REVIEW OF ONLINE LOAN PROBLEMS IN INDONESIA: Perspective of Fiqh Muamalah and DSN-MUI Fatwa Anggraini, Misi; Hulwati, Hulwati; Duhriah, Duhriah
Jurnal Studi Islam dan Sosial Vol 8 No 1 (2025): April 2025
Publisher : Sekolah Tinggi Agama Islam (STAI) Khozinatul Ulum Blora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61941/iklila.v8i1.306

Abstract

The rapid development of online loans has led to various social and economic issues, highlighting the need for studies from the perspective of fiqh muamalah and the fatwa of the National Sharia Council of the Indonesian Ulama Council (DSN-MUI) as references for Islamic law in financial transactions. This goal clearly emphasizes the specific aspects of the study to be achieved. The research will involve a literature review and qualitative analysis of regulations, DSN-MUI fatwas, and literature on fiqh muamalah. Data collection methods may include documentation of fatwas and regulations relevant to online loans and a comparative analysis of existing practices. This approach aims to provide a comprehensive understanding of the Sharia and legal aspects of online loans. The inconsistency of certain online loan practices with the principles of muamalah fiqh, such as usury, gharar, and injustice, is examined alongside how the DSN-MUI fatwa offers guidelines for addressing these issues. These findings underscore the importance of strict Sharia regulations and public education to ensure that online loan transactions adhere to Islamic principles. There is a pressing need to strengthen the DSN-MUI fatwa as a reference for Sharia law in online loans, while also recommending that regulators and businesses comply with the principles of fiqh muamalah. Additionally, emphasizing the significance of public awareness about Sharia-compliant online loans is crucial. This conclusion ties the findings back to the research objectives and suggests directions for future research or policies.  
Economic Fiqh Analysis on Cryptocurrency as a Payment Instrument in Islam Siregar, Nurul Qosimah; Harahap, Nikma Sari; Fitri, Anisa Tul; Hulwati, Hulwati; Duhriah, Duhriah
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.19105

Abstract

The use of cryptocurrencies as a payment instrument is an interesting social phenomenon to discuss. The use of cryptocurrencies as an official payment instrument is still prohibited by Bank Indonesia, but the use of cryptocurrencies continues to grow in Indonesia. BI limits the use of cryptocurrencies only as assets to be invested, not as legal tender. This research aims to analyze the law of cryptocurrency as a payment instrument from the perspective of economic fiqh. The data analysis technique in this study uses a qualitative analysis method that is descriptive-analytical. The researcher analyzed the suitability of the characteristics of cryptocurrency as a payment instrument with the principles of economic fiqh. A conceptual approach is used to explain the concept of cryptocurrency and a normative-theological approach is used to relate the concept to the provisions of Islamic law. The results of the study show that cryptocurrencies can, in principle, be recognized as objects of legal ownership (maal mutaqawwam) in Islam because they have value, can be owned and transferred. Cryptocurrencies can be used as a medium of exchange in Islam on a limited basis, if their use complies with Sharia principles: it is done transparently, free from speculation and usury, and supported by legitimate authorities and systems that guarantee clarity of value and security of transactions. This research emphasizes the importance of developing regulations that are adaptive to digital financial technology, as well as the need to emphasize transparency and avoidance of practices that are contrary to Islamic economic principles.Keywords: Cryptocurrency; Economic Fiqh; Payment Instrument.
PERAN STRATEGIS BMT DALAM MENDUKUNG KEBERLANJUTAN PROGRAM PENGENTASAN KEMISKINAN: TINJAUAN MODEL DAN DAMPAK Alfian, Annisa Maulidia; Wira, Ahmad; Hendra, Testru; Duhriah, Duhriah
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 12 │ No. 1 │ 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v12i1.25278

Abstract

This study aims to analyze the role of Baitul Maal wat Tamwil (BMT) as an Islamic Microfinance Institution (IMFI) in supporting the sustainability of poverty alleviation in Indonesia. The analysis highlights the strategic function of BMT in empowering microeconomic activities based on Islamic principles, especially for the poor and micro-entrepreneurs who are underserved by conventional financial institutions. Using a literature review approach and synthesis of empirical findings from various studies, this research concludes that BMT significantly contributes to increasing household income, expanding access to Islamic financing, and fostering community-based economic development. However, the sustainability of BMT’s role depends heavily on sharia compliance, technological innovation, and institutional governance quality. Therefore, collaboration between government, BMT, and zakat institutions is essential to optimize the socio-economic impact. This study recommends strengthening human resources, digitalizing services, and conducting periodic evaluations to ensure the effectiveness and sustainability of Islamic microfinance in alleviating poverty.
Kontribusi Dewan Pengawas Syariah Terhadap Kepatuhan Prinsip Syari’ah Pada Lembaga Finansial Technology Syari’ah Hadi, Wildan; Duhriah; Wira, Ahmad; Hendra, Testru
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.14203

Abstract

This study aims to examine the Contribution of the Sharia Supervisory Board (SSB) in ensuring compliance with sharia principles in sharia fintech institutions in Indonesia, while identifying various problems faced. The method used is a literature study with a secondary data analysis approach sourced from scientific articles, journals, and previous research. The results of the study indicate that the SSB plays a crucial role in ensuring sharia compliance, through periodic supervision, implementation of DSN-MUI fatwas, and development of sharia-compliant products and services. However, this study found a number of challenges, including the weak special supervisory mechanism for sharia fintech and the continued violation of sharia principles on several platforms such as Investree, Dana Syariah, and Peer to Peer Lending Syariah. Therefore, this study recommends strengthening the capacity of the SSB, improving regulations, and increasing cooperation between the SSB and related authorities in order to minimize sharia violations. Thus, this study makes an important contribution to strengthening the sharia supervisory system and supporting the sustainable growth of sharia fintech in Indonesia.
Perlindungan Konsumen pada Kosmetik Halal di Indonesia: Analisis Bibliometrik Srilupita, Alda; Duhriah
Istithmar Vol. 8 No. 1 (2024): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v8i1.1310

Abstract

Penelitian ini bertujuan untuk mengkaji tentang pentingnya produk-produk seperti kosmetik yang telah menjadi bagian esensial dalam kehidupan sehari-hari. Sebab banyak produk kosmetik beragam dan telah terdaftar, namun tidak semua produk di pasaran dijamin kehalalannya. Isu mengenai kehalalan produk, terutama pada makanan dan kosmetik, dapat berdampak serius pada stabilitas ekonomi nasional. Penelitian ini melibatkan metode bibliometrik, khususnya pendekatan bibliometrik, untuk menganalisis publikasi ilmiah yang relevan dengan perlindungan konsumen pada kosmetik halal di Indonesia. Penggunaan metode bibliometrik untuk memberikan wawasan komprehensif mengenai tren penelitian dan mengisi celah pengetahuan untuk penelitian selanjutnya. Tahapan analisis penulis lakukan dengan pencarian data di Dimensions, Data hasil pencarian dianalisis melalui Network Visualization, Overlay Visualization, dan Density Visualization menggunakan aplikasi Vosviwer. Hasil dan pembahasan menunjukkan perkembangan publikasi yang signifikan dalam 10 tahun terakhir, dengan puncak jumlah publikasi pada tahun 2021. Analisis kolaborasi penulis (Co-Authorship) menunjukkan hubungan antara beberapa peneliti, sementara analisis hubungan kata kunci menggambarkan fokus penelitian yang beragam. Adanya hubungan antar peneliti dan variasi fokus penelitian ini menunjukkan pentingnya kerjasama dan pemahaman mendalam dalam menjaga kehalalan produk kosmetik di Indonesia. Kesimpulan dari penelitian ini adalah perlunya pemahaman yang lebih mendalam mengenai kehalalan produk kosmetik dan pentingnya perlindungan konsumen. Dengan kerjasama yang baik antar peneliti dan pemangku kepentingan, diharapkan dapat menciptakan lingkungan yang lebih aman dan sehat bagi konsumen dalam memilih produk kosmetik halal di Indonesia.
MAQASHID AL-SHARIAH APPROACH IN THE STRATEGY FOR DEVELOPING HALAL TOURISM IN INDONESIA Khairani, Aulia Febri; Wira, Ahmad; Duhriah, Duhriah
Ar Rehla: Journal of Islamic Tourism Halal Food Islamic Traveling and Creative Economy Vol. 5 No. 2 (2025)
Publisher : Faculty of Islamic Economic and Business - Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/ar-rehla.v5i2.11529

Abstract

Abstract: The halal phenomenon has evolved into a global trend that significantly influences the growth of the tourism sector. Halal tourism refers to travel activities guided by Islamic Sharia principles, encompassing all aspects of services, facilities, and tourism experiences. This study aims to examine the strategy for developing halal tourism in Indonesia through the lens of the maqashid al-syariah framework. The method used in this study is a qualitative method with a literature review approach drawn from various scholarly sources. The findings reveal that Indonesia possesses substantial potential for halal tourism development, supported by its large Muslim population and favorable government policies. However, several challenges remain, including inadequate infrastructure and the lack of comprehensive halal standardization. By applying the maqashid al-syariah principles which emphasize the preservation of religion (hifz al-din), life (hifz al-nafs), intellect (hifz al-‘aql), lineage (hifz al-nasl), and wealth (hifz al-mal) the development of halal tourism is oriented not only toward economic growth but also toward sustainable social, spiritual, and environmental well-being. Keywords: halal tourism; maqashid al-syariah; islamic economics; development strategy Abstrak: Fenomena halal kini menjadi tren global yang turut mendorong perkembangan sektor pariwisata. Pariwisata halal merupakan kegiatan wisata yang berlandaskan prinsip syariah Islam, mencakup aspek layanan, fasilitas, dan aktivitas wisata. Penelitian ini bertujuan untuk menganalisis strategi pengembangan pariwisata halal di Indonesia melalui pendekatan maqashid al-syariah. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan studi pustaka dari berbagai sumber ilmiah. Hasil penelitian menunjukkan bahwa pengembangan pariwisata halal di Indonesia memiliki potensi besar seiring dengan dukungan demografi Muslim dan kebijakan pemerintah, namun masih menghadapi kendala seperti keterbatasan infrastruktur dan standardisasi halal. Melalui pendekatan maqashid al-syariah yang menekankan nilai hifz al-din, al-nafs, al-‘aql, al-nasl, dan al-mal pengembangan pariwisata diarahkan tidak hanya pada pertumbuhan ekonomi, tetapi juga pada kemaslahatan sosial, spiritual, dan lingkungan secara berkelanjutan. Kata Kunci: pariwisata halal; maqashid al-syariah; ekonomi syariah; strategi pengembangan.
UNSUR RIBA & GHARAR DALAM PEER-TO PEER LENDING: TINJAUAN FIQH EKONOMI TERHADAP FINTECH INDONESIA Oktaviani Okta; Ahmad Wira; Duhriah
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 06 (2025): JIEI : Vol. 11, No. 06, 2025
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v11i06.18393

Abstract

Fokus penelitian ini adalah untuk mengkaji unsur-unsur riba (riba) dan gharar (ketidakpastian) yang terdapat dalam layanan pinjaman peer-to-peer (P2P) dalam industri fintech Indonesia dari perspektif yurisprudensi ekonomi Islam (fiqh al-iqtisad al-Islami). Tujuan penelitian ini adalah untuk mengidentifikasi jenis-jenis riba dan gharar yang muncul, mengevaluasi kesesuaian mekanisme kontrak dan struktur biaya dengan prinsip-prinsip fiqh muamalah, dan menganalisis peran regulasi dan pengawasan syariah dalam memastikan bahwa operasi fintech P2P mematuhi prinsip-prinsip Islam. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan tinjauan pustaka, memanfaatkan sumber data primer dan sekunder. Temuan penelitian mengungkapkan adanya riba dalam bentuk bunga tetap dan penalti otomatis, serta risiko ambigu yang termasuk dalam kategori gharar. Lebih lanjut, regulasi dan pengawasan syariah belum sepenuhnya efektif dalam mengekang praktik-praktik tersebut. Penelitian ini memberikan kontribusi terhadap kemajuan yurisprudensi ekonomi Islam digital dengan menawarkan rekomendasi kebijakan untuk meningkatkan kerangka regulasi dan model bisnis fintech yang sejalan dengan prinsip-prinsip syariah, sekaligus memperkuat literasi keuangan Islam di kalangan masyarakat Indonesia.
Co-Authors Ahmad Syukran Baharuddin AHMAD WIRA Ahmad Wira, Ahmad Aidil Novia, Aidil Al Aziz Alda Srilupita Alfian, Annisa Maulidia Andeska, M. Niko Anggraini, Misi Aulia Rahmat Azis, Saipul Bahar, Muchlis Elfia Elfia Erizal Candra Efendi Fauzi Yati Fitri, Anisa Tul Hadi, Wildan Harahap, Nikma Sari Hulwati Hulwati Hulwati Hulwati, Hulwati Khairani, Aulia Febri Muslim Muslim nusrida, helda Oktaviani Okta Robi Harjoni Putra Sahara, Elfi Siregar, Nurul Qosimah Srilupita, Alda Suhaila Ulfa Syafitri, Helin TESTRU HENDRA Tezi Asmadia Wildan Hadi Wira, Ahmad