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All Journal Equilibrium PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Journal of Islamic Business Management Studies (JIBMS) Jurnal Intisabi KHITABAH: Khazanah Penelitian Perbankan Syariah Journal of Elementary Education: Strategies, Innovations, Curriculum, and Assesment AICOS Referensi Islamika: Jurnal Studi Islam Journal of Islamic Economic Development
Ihrom Jaelani
Program Studi Perbankan Syariah STAI Putra Galuh Ciamis
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences

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DAMPAK LITERASI KEUANGAN SYARIAH DAN AKSESIBILITAS DIGITAL TERHADAP INKLUSI PERBANKAN SYARIAH CIAMIS Acim Acim; Akmaludin Akmaludin; Ihrom Jaelani
KHITABAH: Khazanah Penelitian Perbankan Syariah Vol 3 No 1 (2026): Juni 2026
Publisher : Sekolah Tinggi Agama Islam Putra Galuh Ciamis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61580/khitabah.v3i1.280

Abstract

This study aims to analyze and empirically test the effect of Islamic financial literacy and digital service accessibility, both partially and simultaneously, on Islamic banking financial inclusion among the community in Ciamis Regency. The research approach used is quantitative with a causal associative method. Since the exact population size is unknown, the minimum sample size was determined using the Cochran formula, which was then rounded to 100 respondents using a purposive sampling technique. Primary data collection was conducted through the distribution of a structured Likert-scale questionnaire. The collected data were analyzed using classical assumption tests, multiple linear regression analysis, and hypothesis testing with the assistance of IBM SPSS software. The results showed that partially, Islamic financial literacy had a positive and significant effect on Islamic banking financial inclusion (t = 2.702; sig = 0.008). Similarly, digital service accessibility proved to have a partial positive and highly dominant significant effect (t = 11.461; sig = 0.000). Simultaneously, both variables significantly influenced Islamic banking financial inclusion in Ciamis Regency (F = 96.330; sig = 0.000). The R Square value of 0.665 indicates that the combined cognitive contribution of Islamic financial literacy and digital accessibility infrastructure in explaining variations in Islamic banking financial inclusion is 66.5%, while the remaining 33.5% is explained by other variables outside this research model. The conclusion of this study confirms that expanding Islamic banking financial inclusion in semi-urban areas requires an absolute balance between strengthening the spiritual values of Islamic finance and providing reliable digital technology infrastructure.
FROM PHILANTHROPY TO ECONOMIC TRANSFORMATION: MAUDUI'S TAFSIR APPROACH TO THE CONCEPT OF INFAQ IN THE QUR'AN Ihrom Jaelani; Moh Najib; Acim
Asian Journal of Islamic Economic Studies Vol. 3 No. 1 (2026): AICOS: Asian Journal Of Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/aicos.v3i1.6697

Abstract

This study aims to reconstruct the concept of Infaq from a charitable philanthropy paradigm into a strategic instrument for economic transformation. The phenomenon of persistent structural poverty amid high levels of Islamic philanthropy indicates that Infaq practices have thus far been predominantly consumptive in nature, thereby failing to drive sustainable structural change. Using a qualitative-synthetic approach, this study contextualises the Maudu‘i (Thematic) Interpretation of the verses on Infaq/Nafaqah with the Theory of Economic Transformation and the Maqāṣid Sharīʿah framework. This method finds that Infaq has a dual function: as spiritual purification (Tazkiyah) and as a mechanism for systemic socio-economic intervention (Tanmiyah). The normative synthesis affirms the function of Infaq as mandatory anti-hoarding macroeconomic regulation and a driver of wealth circulation (Multiplier Effect), as well as prioritising family Nafaqah as a basic investment in human capital. These findings are formulated into the Maqāṣid-Based Transformative Infaq Framework. This framework offers four Policy Design Principles, including the Dual-Tier Allocation Principle, which explicitly separates safety net (charitable) funds and Tanmiyah (productive empowerment) funds, as well as Asset Quality Optimisation. Definitively, this study proves that Infaq is a strategic Socio-Economic Financial Intervention Instrument to shift people from consumptive dependence to independence and sustainable economic transformation.
Analisis Konseptual Kaidah Yasqut Al-Wājib Bil-‘Ajz Dalam Kebijakan Restrukturisasi Pembiayaan Syariah Di Indonesia: Pendekatan Fiqhiyyah Dan Maqāṣid Al-Syarī‘ah Ihrom Jaelani; Hasan Bisri; Ayi Yunus Rusyana
Journal of Islamic Business Management Studies (JIBMS) Vol. 6 No. 2 (2025): Journal of Islamic Business Management Studies (JIBMS)
Publisher : Institut Daarul Qur'an Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51875/jibms.v6i2.869

Abstract

Penelitian ini bertujuan menganalisis kaidah yasqut al-wājib bil-‘ajz (kewajiban gugur karena ketidakmampuan) sebagai fondasi normatif restrukturisasi pembiayaan syariah. Dengan pendekatan fiqhiyyah (berfokus pada Mazhab Hanbali) dan maqāṣid al-syarī‘ah, penelitian ini menelaah prinsip kemampuan (istiṭā‘ah) dalam konteks kebijakan Otoritas Jasa Keuangan (OJK) dan DSN-MUI. Kajian ini merupakan studi kepustakaan normatif-filosofis. Hasil analisis menunjukkan bahwa kaidah yasqut al-wājib bil-‘ajz memiliki dimensi epistemologis yang berbeda dari perintah inzār al-mu’sir (penangguhan utang), yang mana kaidah ini menjustifikasi gugurnya kewajiban secara substansial ketika terbukti adanya ‘ajz ḥaqīqī (inabilitas sejati). Prinsip ini berfungsi sebagai resolusi ketegangan (tension) antara ḥifẓ al-māl dan raf‘ al-ḥaraj, sejalan dengan maqāṣid keadilan (tahqīq al-‘adl). Secara konseptual, kaidah ini membenarkan hierarki keringanan (rukhṣah) yang puncak tertingginya adalah Ibra’ (penghapusan utang pokok) bagi nasabah yang telah mencapai kategori NPF Kolektibilitas 5. Disamping itu, penelitian ini mengintegrasikan mekanisme Zakat al-Ghārimīn sebagai solusi kelembagaan untuk membiayai penghapusan utang (Ibra’) tersebut. Konversi ini menempatkan Ibra’ sebagai taṣarruf (penggunaan) dana Zakat yang sah, memberikan model inovatif bagi Lembaga Keuangan Syariah untuk menjaga stabilitas aset (Ḥifẓ al-Māl) sambil memenuhi dimensi keadilan sosial syariah. Penelitian ini merekomendasikan regulator menyusun Guideline Tashkhīṣ al-‘Ajz untuk menegakkan keadilan substantif dalam sistem keuangan syariah.
Co-Authors Acim Acim Acim Acim Acim Acim Adi Saputra Agus Kuncoro Akmaludin Akmaludin Asep Nursobah Asep Nursobah, Asep Asep Saepudin Ayi Yunus Rusyana Ekawati, Kania Feriansah, Rival Gojali, Dudang Harismawati Amini Harun Nur Jamiel Hasan Bisri Hasan, Mustofa Kikin Mutakin Kikin Mutakin Kuncoro, Agus Lestari Sri Misbahul Khoer Moh Najib Mubaarok, Saeful Huda Nurlaela Ira Nurrohman Syarif, Nurrohman Purbayani, Rini Rahmawati, Untari Reni Farida Yanti Ridwan, Ahmad Hasan Rukoyah, Siti Salma Saripatul Munawaroh Sari Damayanti