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Kontribusi Istihsan Dalam Penyelesaian Problematika Kontemporer Ekonomi Syariah Fauziah Mutiara Leste; Moh.Bahrudin; Syamsul Hilal
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 2: Januari 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i2.12755

Abstract

Sektor ekonomi syariah menghadapi tantangan signifikan dalam mengadaptasi prinsip-prinsip Islam dengan dinamika inovasi finansial digital yang terus berkembang. Latar belakang penelitian ini didasarkan pada pertumbuhan volum transaksi keuangan teknologi Islam yang mencapai 161 miliar dolar Amerika Serikat pada tahun 2023-2024 dengan proyeksi pertumbuhan mencapai 306 miliar dolar Amerika Serikat pada tahun 2028. Tujuan penelitian ini adalah mengidentifikasi dan menganalisis kontribusi istihsan sebagai metode istinbat hukum dalam mengatasi berbagai problematika kontemporer ekonomi syariah, meliputi regulasi fintech islami, pengembangan instrumen sukuk berkelanjutan, dan penguatan lembaga keuangan sosial islami. Metode yang digunakan adalah Systematic Literature Review (SLR) dengan pengumpulan data melalui penelusuran mendalam pada basis data Google Scholar dengan periode publikasi tahun 2020 hingga sekarang, menggunakan kriteria inklusi dan eksklusi yang ketat serta penilaian kualitas melalui Critical Appraisal. Hasil penelitian menunjukkan bahwa istihsan memiliki tingkat fleksibilitas kontekstual yang lebih tinggi dibandingkan metode qiyas murni, memposisikannya sebagai instrumen yang responsif dalam menangani kasus-kasus novel dalam fintech, layanan digital, dan instrumen investasi inovatif. Mekanisme adaptasi normatif istihsan beroperasi sebagai jembatan antara prinsip-prinsip universal syariah dengan realitas empiris modern melalui pertimbangan maslahah, keadilan, dan kesejahteraan sosial. Implementasi praktis istihsan oleh lembaga fatwa seperti DSN-MUI mendemonstrasikan vitalitas metode ini dalam menciptakan legitimasi hukum Islam berkelanjutan. Kesimpulannya, istihsan terbukti sebagai metode fundamental dan strategis dalam mengatasi problematika ekonomi syariah kontemporer, namun memerlukan pengembangan standar operasional baku, kurikulum fiqh teknologi khusus, dan kolaborasi internasional untuk memastikan konsistensi dan responsivitas penerapannya di era globalisasi kompleks.
Analisis Implementasi Etika Kerja Islam, Ekonomi Hijau dan Kesejahteraan dalam Prespektif Ekonomi Islam Ely Fitri Wahyuni; Syamsul Hilal; Madnasir Madnasir
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i3.6594

Abstract

Indonesia is the second richest country in the world for terrestrial and marine biodiversity. Non-renewable natural resources worsen environmental resources because of human behavior that is not environmentally friendly. Meanwhile, threats due to climate change and global warming are increasingly reducing the sustainability of the earth in meeting the needs and welfare of mankind. The green economy is a model of the concept of economic development that no longer relies on development based on excessive exploitation of natural resources and the environment. On the other hand, Welfare is something that everyone wants to achieve, both individual welfare and family welfare. One of the villages that has natural wealth is Labuhan Baru Village, which is one of the Way Serdang District Villages which is located directly adjacent to South Sumatra. The area of Labuhan Baru Village is 1,240 KM. The Labuhan Baru community based on the village profile in 2020, the daily livelihood of the residents is the majority of rubber farmers. Based on observations made by researchers, it is interesting that not all plantation sectors have good potential in the green economy such as secondary crops, rice and so on. Rubber trees have good potential for the concept of a green economy, namely the existence of a sustainable economy that is environmentally friendly. Seeing from that, the majority of the religion of Labuhan Baru Village is Muslim where Muslims themselves uphold ethics. This is a question of researchers how the practices carried out by the people of Labuhan Baru Village on Islamic work ethics, green economy and welfare in the perspective of Islamic economics. This study aims to analyze how the implementation of the Labuhan Baru Village community in implementing Islamic work ethics, green economy and welfare in the perspective of Islamic economics. The type of data used is primary data obtained directly by the rubber farming community of Labuhan Baru Village. The results of this study indicate the implementation of Islamic work ethics, green economy and welfare of rubber farmers in Labuhan Baru Village, Way Serdang District, Mesuji Regency in accordance with the perspective of Islamic economics. The implementation carried out by rubber farmers in Labuhan Village is in accordance with Islamic teachings that have been taught. But unfortunately the rubber farmer community awareness of formal education is still somewhat less, they are more inclined towards non-formal education, namely Islamic boarding schools, seeing from the statements of the rubber farming community in Labuhan Baru Village, this is reinforced by data on education graduates obtained from the Labuhan Baru Village profile in 2020 from the population of 1759 for undergraduate graduates is 15 and for masters as many as 1. According to researchers this is one of the factors in implementing Islamic work ethics, green economy and welfare are still using the traditional way.
RELEVANSI USHUL FIQH SEBAGAI METODOLOGI PENETAPAN HUKUM EKONOMI ISLAM DALAM MENJAWAB TANTANGAN EKONOMI MODERN Kamal, Ahmad Ali; Moh. Bahrudin; Syamsul Hilal
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2025): November (2025)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/z48cp662

Abstract

Usul Fiqh is a methodological foundation for establishing Islamic law, functioning not only in the realm of worship but also has significant relevance in the modern economy. In the context of the development of the global economic system, various contemporary issues have emerged, such as Islamic banking, insurance, investment, and Islamic financial instruments, which require legal clarity in accordance with Sharia principles. This article aims to analyze the position of Usul Fiqh as a methodology for establishing Islamic economic law and how its principles can address the challenges of the modern economy. The approach used is qualitative with descriptive comparative analysis, examining the views of the four major schools of thought Hanafi, Maliki, Shafi'i, and Hanbali in linking the principles of Usul Fiqh to contemporary economic practices. The research findings demonstrate that Usul Fiqh plays a crucial role in establishing a legal foundation for Islamic economics that is adaptive to changing times, while maintaining the integrity of sharia through the principles of maslahah, istihsan, and qiyas. Each school of thought (mazhab) has its own methodological contributions in interpreting the evolving economic context, which collectively enriches the treasury of Islamic economic law. Therefore, Usul Fiqh can be viewed as a dynamic methodology capable of bridging normative texts and modern economic realities  
TA'LIL AL-AHKAM DALAM PENGEMBANGAN EKONOMI ISLAM: STUDI LITERATUR TENTANG RASIONALISASI HUKUM DAN APLIKASI MAQASID AL-SHARIAH Dewi Risyantika; Moh. Bahrudin; Syamsul Hilal
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2025): November (2025)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/57wf4h07

Abstract

Ta'lil al-ahkam (legal reasoning through the identification of cause or rationale) is a critical methodological framework for understanding the adaptation of Islamic law to the complex and multifaceted challenges of contemporary economics. This article employs the library research methodology to examine the role of ta'lil al-ahkam in developing Sharia-compliant financial instruments and addressing increasingly intricate modern economic issues. Through a systematic analysis of legal texts, peer-reviewed journal articles, and regulatory documents from the National Sharia Board-Indonesian Ulema Council (DSN-MUI), this study identifies that ta'lil al-ahkam functions as a crucial bridge between classical Islamic jurisprudence and contemporary economic practice. The findings indicate that although ta'lil al-ahkam has successfully facilitated the creation of innovative Sharia-compliant products such as sukuk, Islamic fintech, and Islamic banking instruments, substantive questions remain regarding whether these applications adequately reflect the maqasid al-shariah emphasis on economic justice, social welfare, and inclusive empowerment. This study concludes that the effective integration between maqasid-based ta'lil al-ahkam is essential to ensure that the development of Islamic economics serves the genuine objective of maslahah (welfare) and promotes sustainable development that benefits all segments of society.
Pengaruh Aksesibilitas dan Fasilitas Terhadap Word of Mouth Dengan Kepuasan Wisatawan Sebagai Variabel Mediasi dalam Perspektif Islam Devi Ardiyani; Syamsul Hilal; Adib Fachri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i3.11290

Abstract

Tourism destination management is currently required not only to provide adequate accessibility and facilities, but also to create tourist satisfaction in order to encourage positive word of mouth. In reality, many tourist destinations still face limitations in terms of access and facilities, which can affect tourist satisfaction and reduce their willingness to recommend the destination to others. In addition, studies that examine word of mouth from an Islamic perspective remain limited, particularly in the context of nature-based tourism. This study aims to analyze the effect of accessibility and facilities on word of mouth, with tourist satisfaction as a mediating variable, as well as the moderating role of Islamic perspective among visitors to Curup Gangsa Tourism Destination. This research employs a quantitative approach using a survey method, with data collected through questionnaires and analyzed using Partial Least Square–Structural Equation Modeling (PLS-SEM). The results indicate that accessibility and facilities have a positive and significant effect on word of mouth, both directly and indirectly through tourist satisfaction. Furthermore, the Islamic perspective is found to strengthen this relationship, suggesting that values such as honesty, justice, and convenience play an important role in shaping tourists’ recommendation behavior. These findings highlight the importance of integrating technical aspects of tourism destinations with Islamic values in tourism management.
Pengaruh Green Banking Disclosure (Gri Standards), Islamic Social Reporting Disclosure, dan Mekanisme Corporate Governance Terhadap Profitabilitas Bank Umum Syariah di Indonesia Periode 2020-2024 Seftiyana Putri; Syamsul Hilal; Zathu Restie Utami
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.11170

Abstract

This study examines the effect of Green Banking Disclosure (GRI Standards), Islamic Social Reporting Disclosure, and corporate governance mechanisms on the profitability of Islamic commercial banks in Indonesia for the period 2020–2024. The background of this study is based on the rapid growth of Islamic banking assets which has not been followed by evenly distributed profitability, as well as the importance of implementing sustainability practices, Islamic social reporting, and corporate governance in improving financial performance. This study aims to analyze the influence of these three variables both simultaneously and partially on the profitability of Islamic commercial banks. The research method uses a quantitative approach with a purposive sampling technique involving 8 Islamic commercial banks during the 2020–2024 period. The data used are secondary data obtained from annual reports, sustainability reports, and corporate governance reports, which are then analyzed using panel data regression with the Random Effect Model (REM). The results show that simultaneously, Green Banking Disclosure, Islamic Social Reporting Disclosure, and corporate governance mechanisms have a significant effect on profitability with an F value of 0.000068. Partially, Green Banking Disclosure (t=0.0050), Islamic Social Reporting Disclosure (t=0.0362), and corporate governance mechanisms (t=0.0016) have a positive and significant effect on profitability. The Adjusted R² value of 0.406 indicates that these three variables explain 40.6% of the variation in profitability. These findings indicate that the implementation of green banking, Islamic social reporting, and good corporate governance plays an important role in improving the profitability of Islamic commercial banks in Indonesia. 
Pengaruh Pengetahuan, Efisiensi, dan Persepsi Risiko Terhadap Keputusan Nasabah Gen Z Menggunakan Layanan Cardless Withdrawal (Tarik Tunai Tanpa Kartu) (Studi Pada Nasabah Bank Syariah Indonesia Di Bandar Lampung) Amat Hoiri; Ersi Sisdianto; Syamsul Hilal
Jurnal Ekonomi STIEP Vol. 11 No. 1 (2026): Jurnal Ekonomi STIEP (JES)
Publisher : Lembaga Penelitian Dan Pengabdian Masyarakat (LPPM) IBE Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54526/jes.v11i1.716

Abstract

Tujuan dari penelitian ini yaitu untuk mengetahui variabel pengetahuan,efisiensi, dan persepsi risiko berpengaruh secara parsial dan simultan terhadap keputusan nasabah gen z dalam menggunakan layanan cardless withdrawal bank syariah indonesia. Dalam penelitian ini penulis menggunakan metode penelitian kuantitatif. Dalam penelitian ini Teknik yang digunakan adalah probability sampling dengan rumus Lemeshow yang diperoleh sampel 96 responden. Sumber data yang digunakan adalah data primer dari hasil penyebaran kuesioner secara online. Metode analisis menggunakan uji validitas, uji reliabilitas, uji asumsi klasik, uji regresi linier berganda, uji hipotesis (uji t, uji f dan uji R), dengan mengolah data menggunakan aplikasi SPSS 25.0. Hasil penelitian dan analisis hasil olah data menunjukkan bahwa secara parsial variabel pengetahuan,efisiensi,dan risiko berpengaruh secara signifikan terhadap keputusan nasabah. Sedangkan secara simultan dapat dijelaskan bahwa variabel pengetahuan,efisiensi, dan persepsi risiko berpengaruh secara signifikan terhadap keputusan nasabah gen z menggunakan layanan cardless withdrawall dengan nilai F hitung sebesar 56.585>2,704 Ftabel dan signifikansi sebesar 0,000<0,05. The purpose of this study is to determine the variables of knowledge, efficiency, and risk perception partially and simultaneously influence the decision of Gen Z customers in using cardless withdrawal services at Indonesian Islamic banks. In this study, the author used a quantitative research method. In this study, the technique used was probability sampling with the Lemeshow formula which obtained a sample of 96 respondents. The data source used was primary data from the results of distributing online questionnaires. The analysis method used validity tests, reliability tests, classical assumption tests, multiple linear regression tests, hypothesis tests (t-tests, f-tests, and R-tests), by processing data using the SPSS 25.0 application. The results of the research and analysis of the data processing results show that partially the variables of knowledge, efficiency, and risk have a significant effect on customer decisions. While simultaneously it can be explained that the variables of knowledge, efficiency, and risk perception have a significant effect on the decision of Gen Z customers to use cardless withdrawal services with a calculated F value of 56.585>2.704 Ftable and a significance of 0.000<0.05
ANALISIS EFEKTIVITAS DISTRIBUSI ZAKAT PADA BANK SYARIAH INDONESIA PERIODE 2021 SAMPAI DENGAN 2025 Ogi Marsenal Ipando; Syamsul Hilal; Fatih Fuadi
KENDALI: Economics and Social Humanities Vol. 4 No. 3 (2026): KENDALI: Economics and Social Sciences Humanities, Maret 2026
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v4i3.1445

Abstract

Penelitian ini bertujuan untuk mengevaluasi efektivitas distribusi zakat pada Bank Syariah Indonesia (BSI) periode 2021–2025 dengan menggunakan metode deskriptif kuantitatif berbasis rasio Allocation to Collection Ratio (ACR) sesuai standar Zakat Core Principle. Hasil kajian menunjukkan bahwa BSI mengalami pertumbuhan penghimpunan zakat yang sangat progresif, meningkat dari Rp123,17 miliar pada tahun 2021 hingga mencapai Rp289,38 miliar pada tahun 2025, dengan total akumulasi dana melampaui Rp1 triliun. Analisis ACR mengonfirmasi bahwa distribusi zakat BSI berada pada kategori Sangat Efektif, didukung oleh inovasi digital melalui platform BYOND by BSI yang mampu meningkatkan transparansi serta kecepatan penyaluran secara real-time. Penelitian menyimpulkan bahwa BSI telah berhasil melakukan transisi strategis dari sekadar bantuan kemanusiaan (charity) menuju program pemberdayaan ekonomi produktif, seperti Desa Berdaya dan penguatan UMKM, guna mendorong transformasi mustahik menjadi muzakki. Keberhasilan ini mengukuhkan peran BSI sebagai agen utama dalam memperkuat ekosistem ekonomi syariah nasional yang berkelanjutan di Indonesia.