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Enhancing Maqasid Syariah through E-Banking: A Qualitative Analysis of Syariah-Compliant Financial Transactions: Meningkatkan Maqasid Syariah melalui E-Banking: Analisis Kualitatif atas Transaksi Keuangan yang Sesuai Syariah Masruchin, Masruchin; Wicaksono, Arief; Silvia, Nur Manna; Dimawan, Amelia Eka
Indonesian Journal of Law and Economics Review Vol. 18 No. 3 (2023): August
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v18i3.934

Abstract

The article presents a qualitative study analyzing the utilization of e-banking syariah from the perspective of Maqasid Syariah, focusing on Islamic principles in financial transactions. Employing a descriptive approach and content analysis, data were collected through literature review, documentation, and interviews. The findings reveal that e-banking syariah significantly contributes to achieving Maqasid Syariah, promoting responsible financial practices aligned with Islamic principles. The study highlights benefits such as ethical transactions, wise financial decisions, and improved investment management. The implications emphasize the relevance of these findings for professionals and scholars in the field of Islamic finance and banking. Highlight: Significance of E-Banking Syariah: The research highlights the substantial benefits of utilizing e-banking syariah in achieving Maqasid Syariah, including adherence to Islamic principles in financial transactions and wise financial decision-making. Holistic Well-Being: E-Banking Syariah contributes to the preservation of individuals' well-being in aspects of religion, soul, intellect, lineage, and wealth, promoting a balanced and spiritually fulfilling life. Responsible Implementation: The study emphasizes the importance of grounding the use of e-banking syariah on strong Islamic principles, promoting transparency, and accountability in financial management while avoiding prohibited practices. Keyword: E-Banking Syariah, Maqasid Syariah, Islamic Finance, Financial Transactions, Qualitative Study
Syirkah Maza'arah Business Model for Economic Recovery: A Case Study of D'Durian Park: Model Bisnis Syirkah Maza'arah untuk Pemulihan Ekonomi: Studi Kasus Taman D'Durian Fauji, Imam; Masruchin, Masruchin; Krisnaningsih, Diah; Aprilia, Yohana; Rahmansyah, Panji
Indonesian Journal of Law and Economics Review Vol. 18 No. 3 (2023): August
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v18i3.948

Abstract

The COVID-19 pandemic's profound impact on the global economy and Indonesia's growth necessitates innovative solutions. This study investigates the efficacy of the syirkah maza'arah business model for fostering microeconomic growth and accelerating economic recovery. Through a qualitative case study approach, the research examines the implementation of the syirkah maza'arah theory in the context of D'Durian Park, an agribusiness in Jombang. The park operates under a cooperative system between landowners and managers, contributing to a balanced profit-sharing mechanism. The study offers insights into the applicability of this Islamic business concept in rejuvenating economies, particularly in times of crisis, and highlights its potential for wider adoption. Highlight: Global Economic Impact: This study addresses the far-reaching consequences of the COVID-19 pandemic on the global economy and Indonesia's growth, emphasizing the need for innovative solutions. Syirkah Maza'arah Model: Investigating the effectiveness of the syirkah maza'arah business model, the research delves into its potential to foster microeconomic growth and expedite economic recovery. Real-world Application: Through a qualitative case study of D'Durian Park, the study demonstrates how the syirkah maza'arah theory is applied in an agribusiness context, showcasing a cooperative profit-sharing system between landowners and managers. The research highlights the concept's relevance in revitalizing economies during crisis and suggests its broader adoption as a viable strategy. Keyword: COVID-19 Pandemic, Syirkah Maza'arah, Microeconomic Growth, Economic Recovery, Qualitative Case Study
Aplikasi Bisnis Syirkah D’durian Park, Wonosalam, Jombang, Jawa Timur Krisnaningsih, Diah; Masruchin, Masruchin; Fauji, Imam
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.11336

Abstract

The COVID-19 pandemic and measures to prevent its spread caused a severe contraction in the world economy. The International Monetary Fund projects that the global economy will shrink by around 4.4 percent in 2020, the worst recession since the Second World War. Indonesia's gross domestic product is certain to experience a contraction of 1.1 percent in 2020 - a drastic drop from the projected pre-pandemic growth of 5.3 percent, causing a loss of jobs and income for the wider community. Microeconomic growth must be encouraged to grow faster for small to national scale economic recovery. The concept of syirkah as a discourse for Islamic business solutions to accelerate economic growth is very appropriate, especially in Indonesia with natural wealth in 38 provinces and abundant human resources + 357 million people. D'durian Park, Wonosalam, Jombang is one of the leading agribusinesses with the sirkah mukhabarah system in Wonosalam, Jombang with the main business units namely the Agrotourism Garden Plot (KKA) and agrotourism with the main commodity being Indonesia's superior durian and was founded in November 2019. Methods This research, namely qualitative case study, aims to describe, describe, explain, explain about the implementation of a theory in a particular field, such as the application of the syirkah mukhabarah business theory run by D'Durian Park Wonosalam, Jombang.
The Influence of Religiosity and Customer Perception on Interest in Savings Faha, Yunita Maulidiyah; Masruchin, Masruchin; Latifah, Fitri Nur
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1803

Abstract

Sharia Banking is an institution that functions to collect and channel public funds effectively and efficiently which is useful for improving economic and national quality. The problem that occurs is that the development of Islamic banks is growing, the competition between banks, both conventional banks and Islamic banks, will be increasingly tight. Therefore, the need for efforts from banks to attract customers' savings. The main success of the services provided by banks is not only from internal factors but also external factors. Internal factors include the amount of funds owned by banks and credit, while external factors include the level of trust and bank image. This research aims to analyze and prove that religiosity and perception affect the interest in saving in Islamic banks. The approach used is a quantitative approach using primary and secondary data. The population of this research is the customers of BSI KCP Mojokerto Bangsal as many as 700 customers and the sample obtained is 161 respondents. This sampling uses the Cochran table formula with the respondents' criteria, namely BSI KCP Bangsal customers and aged 17-50 years. Analysis of the data used is SPSS 22 software. This research is survey research conducted through data collection using multiple regression analysis techniques. The results show that the religiosity variable has an influence on interest in saving in Islamic banks with a value of 32.860 > 1.960, while the perception variable has an influence on interest in saving in Islamic banks because the value is 21.954 > 1.960. From these results, Islamic banks have opportunities to improve performance and events that are useful for explaining Islamic bank products to customers.
The Meaning Of Qawm In The Qur’an: A Semantic Analysis Based On Thoshihiko Izutsu’s Approach Erifca Annisa; Masruchin Masruchin; Beko Hendro
Mauriduna : Journal of Islamic Studies Vol. 6 No. 4 (2025): Mauriduna : Journal of Islamic Studies, November 2025
Publisher : Insitut Muslim Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/mauriduna.v6i4.46

Abstract

Qawm is one of the terms used in the Qur’an to refer to a group of people. Using a qualitative study with an analytical descriptive approach based on library research, this study explored the meaning of the word qawm in the Qur’an through the semantic approach of Toshihiko Izutsu. The aimed of this study was to uncover the true meaning of qawm and formulate a final conclusion regarding the weltanschauung or worldview associated with the term. The semantic analysis based on Izutsu’s method involves several steps: identifying the key term, determining its basic and relational meanings, revealing its historical development, and finally describing the weltanschauung of qawm in the Qur’anic context. The findings showed that in the Qur’an, qawm does not merely signify a group based on ethnicity or culture, but rather a community evaluated through their attitude toward divine teachings. The term encompasses both men and women who live together as a group. The Qur’an classifies qawm into two categories: positive characters—those who believe in and obey Allah; and negative characters —those who reject His teachings and ultimately face destruction. This view indicated that the Qur’an does not judge people based on their origins, but on their faith and moral character. Thus, the concept of qawm reflects the Qur’anic worldview that highlights the importance of spiritual and ethical values in shaping both individual and collective identity.
Kaum Cendekia dalam Perspektif QS. Ali Imran Ayat 190: Analisis Pendekatan Semiotika Roland Barthes Wulan, Mega Anjar; Shomad, Bukhori Abdul; Masruchin, Masruchin
Jurnal Semiotika Quran Vol 5 No 2 (2025): Jurnal Semiotika-Q: Kajian Ilmu al-Quran dan Tafsir
Publisher : Program Magister Ilmu Al-Qur'an dan Tafsir, Fakultas Ushuluddin dan Pemikiran Islam, Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/jsq.v5i2.27912

Abstract

Penelitian ini bertujuan untuk mengkaji makna kaum cendekia dalam al-Qur’an melalui pendekatan semiotika Roland Barthes, dengan fokus utama pada istilah Ulul albab yang terdapat dalam QS. Ali Imran ayat 190. Dalam al-Qur’an, istilah kaum cendekia tidak hanya direpresentasikan oleh Ulul albab, tetapi juga melalui istilah lain seperti ulul ilmi, ulunnuha, dan ulul abshar. Keseluruhan istilah tersebut menggambarkan karakter manusia berakal yang tidak hanya mengandalkan kemampuan intelektual semata, melainkan juga menjadikan iman dan kesadaran spiritual sebagai aspek integral dari proses berpikir. Pemilihan QS. Ali Imran ayat 190 didasarkan pada kandungan maknanya yang kaya secara linguistik, simbolik, dan spiritual. Dengan menggunakan metode penelitian kualitatif berbasis studi kepustakaan dan dengan pendekatan tematik (maudhu’i) untuk menghimpun ayat-ayat Al-Qur’an yang relevan, serta analisis semiotik dua tingkat—yakni denotatif (makna literal) dan mitologis (makna ideologis/kultural)—penelitian ini menemukan bahwa Ulul albab bukan hanya menunjuk kepada individu berakal secara umum, tetapi juga membentuk konstruksi simbolik tentang cendekiawan muslim ideal. Figur ini adalah mereka yang mampu menyatukan dzikir dan pikir, dan menjadikan perenungan terhadap alam sebagai jalan untuk memahami realitas hidup secara lebih mendalam.
Rukyatul Hilal and Hisab: A Comparative Study of Muhammadiyah and Nahdlatul Ulama in Determining the Beginning of the Hijri Month Rivaldi, Muhammad Arma; Isnaeni, Ahmad; Masruchin, Masruchin
Mauriduna : Journal of Islamic Studies Vol. 7 No. 1 (2026): Mauriduna : Journal of Islamic Studies, February 2026
Publisher : Institut Muslim Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/mauriduna.v7i1.43

Abstract

Determining the beginning of the Hijri months often gives rise to differences of opinion, especially between Islamic organizations Muhammadiyah and Nahdlatul Ulama (NU). These differences stem from the different method used for hisab (astronomical calculation) and rukyat (moon sighting), as well as the interpretation of Quranic verses. This study aims to analyze the interpretation of Quranic verses concerning the crescent moon and hisab to compare the perspectives of Muhammadiyah and NU. This study uses a qualitative approach with the thematic interpretation method of Quranic verses related to the crescent moon and reckoning. Data were obtained from primary sources such as the Koran and tafsir books, as well as secondary sources such as books and journals.The data were then analyzed comparatively to identify differences between the two groups. The results show that Muhammadiyah prioritizes hisab based on rational interpretation of Quranic verses, while NU prioritizes rukyat with a textual approach based on texts and hadith. These differences have practical implications for determining the beginning of hijri, which are often inconsistent. Different understandings of verses about the crescent moon and hisab reflect the epistemological characteristics of each mass organization. Despite their differing approaches, both aim to safeguard the validity of sharia and the unity of the Muslim community.
Social and Moral Criticism in Satirical Verses: Analysis Using the Maudhūʿī and Linguistic Approaches Masruchin Masruchin
JIA (Jurnal Ilmu Agama) Vol 26 No 2 (2025): Jurnal Ilmu Agama : Mengkaji Doktrin, Pemikiran, dan Fenomena Agama
Publisher : Fakultas Ushuluddin dan Pemikiran Islam Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/jia.v26i2.31344

Abstract

The recurring phenomenon of social deviance and moral degradation in society confirms the relevance of studying verses in the Qur'an that contain social criticism in the form of satire. This article aims to analyze social and moral criticism in satirical verses of the Qur'an using a maudhūʿī (thematic) approach and linguistic analysis (rhetoric, pragmatics, and critical discourse). This is a qualitative study analyzing four representative surahs, al-Maʿūn (107:1–7), al-Mutaffifīn (83:1–3), al-Humazah (104:1–9), and al-Munāfiqūn (63:1–3), selected based on their rhetorical power in criticizing deviant behavior. The results show that the Qur’an uses rhetorical devices such as irony, repetition, contrast, and labeling to shame hypocritical, materialistic, and anti-social behavior; for example, Surah al-Maʿūn emphasizes the contrast between ritual piety and social negligence, while Surah al-Mutaffifīn criticizes economic injustice through irony. These findings show that Qur'anic satire not only functions as a moral admonition, but also as an instrument of social discourse that builds collective awareness of justice, caring, communication ethics, and spiritual integrity. This study enriches thematic exegesis by offering a linguistic perspective on reading the function of Qur'anic satire an approach that has been relatively rare in previous studies.
Maqasid Syariah dalam Memperankan Penafsiran Kontemporer Masruchin Masruchin
Journal Khafi : Journal Of Islamic Studies Vol. 2 No. 3 (2024)
Publisher : Journal Khafi : Journal Of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstract / Abstrak Maqasid al-Shariah assists interpreters in understanding the meanings of the verses of the Qur'an in a deeper and more relevant context to contemporary life. By utilizing maqasid al-Shariah, interpretations can provide a more comprehensive and applicable guidance. This research aims to explore the capacity of maqasid al-Shariah in understanding the verses of the Qur'an, including the work of Ibn Ashur, who has begun to apply it in interpreting the Qur'an. The methodology of this research is analytical with a literature approach. The findings of this study indicate that maqasid al-Shariah is not only a legal foundation but also enables interpreters to develop interpretations by considering the objectives of Islamic law that are more contemporary and relevant to the dynamics of the times. Maqasid syariah membantu para mufassir dalam memahami makna ayat-ayat Al-Qur'an yang lebih mendalam dan relevan dengan konteks kehidupan saat ini. Dengan menggunakan maqasid syariah, tafsir dapat memberikan panduan yang lebih komprehensif dan aplikatif. Penelitian ini bertujuan untuk mengeksplor kapasitas maqasid syariah dalam memahami ayat-ayat al-Qur’an, diantaranya Ibn Asyur yang telah memulai menerapkannya dalam memahami ayat al-Qur’an. Metodologi penelitian ini adalah berbentuk analisis dengan pendekatan pustaka. Hasil temuan dalam penelitian ini menunjukkan bahwa maqasid Syariah bukan hanya sebagai landasan hokum, akan tetapi memungkinkan para mufassir untuk mengembangkan penafsiran dengan mempertimbangkan tujuan-tujuan hukum Islam yang lebih kontemporer dan relevan dengan dinamika zaman.
Millennials, Generation Alpha, and the Sigma Generation Phenomenon: A Qur’anic Perspective on Human Character in the Era of Digital Disruption Abidurrohman Abidurrohman; Bukhori Abdul Shomad; Masruchin Masruchin; Siti Badi’ah; Budimansyah Budimansyah
Jurnal Semiotika Quran Vol 6 No 1 (2026): Jurnal Semiotika-Q: Kajian Ilmu al-Quran dan Tafsir
Publisher : Program Magister Ilmu Al-Qur'an dan Tafsir, Fakultas Ushuluddin dan Pemikiran Islam, Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/jsq.v6i1.34317

Abstract

This study aims to examine the characteristics of the modern Millennial and Alpha generations, as well as the emerging phenomenon of the Sigma generation, from a Qur’anic perspective using a thematic exegesis approach. Although these generational terms are not explicitly mentioned in the Qur’an, their social and psychological characteristics can be analyzed through fundamental Qur’anic concepts such as fitrah, amanah, moral responsibility, balance (tawazun), and social ethics. Using a qualitative research method based on a literature review, this study analyzes Qur’anic verses relevant to the discussion theme through an examination of both classical and modern Islamic literature. The results indicate that the Qur’an provides a comprehensive ethical framework for addressing the challenges faced by generations  in  the  digital age. The Millennial  Generation  is  characterized by adaptability and critical awareness, yet also faces risks of information overload and moral inconsistency, which the Qur’an addresses through the principles of accountability and trust. The Alpha Generation faces challenges in preserving fitrah amidst early exposure to technology, underscoring the urgency of values-based education rooted in Qur’anic teachings. Meanwhile, the Sigma generation reflects a strong level of individual autonomy, which is acceptable within the Qur’anic framework as long as it remains in harmony with piety and social responsibility. This study concludes that the Qur’an remains a relevant and dynamic source of ethical guidance in shaping the character of contemporary generations amid rapid social and technological change.
Co-Authors Abdillah, Muhammad Auzan Abdul Malik Ghozali Abidurrohman Abidurrohman Abuzar Alghifari Ahmad Bastari Ahmad Isnaeni Ahmad Isnaeni Ahmad Muttaqein Ahmad Muttaqin Alamsah, Johan Annisa Rizki Ananda Annisa Rizki Ananda Aprilia, Yohana Apriliani, Fatimah Arief Wicaksono, Arief Bangsawan, Anugrah Bayu Rindy Ramadani Beko Hendro Beko Hendro Beko Hendro Budimansyah Budimansyah Bukhori Abdul Shomad Bukhori Abdul Shomad Diah Krisnaningsih Dimawan, Amelia Eka Djoharsyah, T. Dwima Dini Azizah Efrin Kurniadi Erifca Annisa Faha, Yunita Maulidiyah Fatimah Apriliani Fatimah Azzahra Fauzan . Fauzan Fauzan Fitri Nur Latifah Hadri, Tamir Saad Ibrahim Imam Fauji, Imam IMAM MUSTOFA Imam Mustofa Intan Sari, Desi Johan Alamsah Kiki Muhamad Hakiki Kiki Muhammad hakiki Klara Syafira M. Toyib Masruchin, Tri Lestari Masykuroh, Siti Maulana Yusup Meila Fernanda Muhammad Adil Rifahi Muhammad Ilham Saputra Ilham Muhammad Kholiluddin Muhammad Rifqi Al Najib Muhammad Rizqi Romdhon Mukmin, Septiawadi Kari Muttaqein, Ahmad Nisa, Ainun Nur Alif, Muhamad Nur, Muhammmad Syawwaluddin Pratama, Aunillah Reza Rahmansyah, Panji Rahmat Gani Rahmat, Maulana Bagus Ramadani, Bayu Rindy Rani Larasati Rina Yana Rivaldi, Muhammad Arma Rizqi Romdhon, Muhammad Rodliyatul Laila Rohana, Selti Septiawadi Kari Mukmin Setiawan, Abdul Aziz Silvia, Nur Manna Siti Badi’ah Siti Masykuroh Sulbi, Sulbi Sultan Dzaki Syawalia, Zahiyah Tika Tamir Saad Ibrahim Hadri Wahyudin Wahyudin Wahyudin Wahyudin Wiwin Nuraeni, Wiwin Wulan, Mega Anjar Yana, Rina yoga irawan Yuli Eka Lestari