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All Journal Syi'ar Iqtishadi Media Mahardhika JURNAL PENDIDIKAN TAMBUSAI Jurnal Mantik Enrichment : Journal of Management ARRUS Journal of Social Sciences and Humanities Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Arus Jurnal Psikologi dan Pendidikan Journal of Artificial Intelligence and Digital Business Eduvest - Journal of Universal Studies IIJSE Journal of Innovative and Creativity Danadyaksa: Post Modern Economy Journal Jurnal Ekonomi Dan Bisnis Journal of Islamic Economic and Law (JIEL) Referensi Islamika: Jurnal Studi Islam
Syaeful Bahri
Ekonomi Syariah, Universitas Islam Negeri Sultan Maulana Hasanuddin Banten
Religion Aerospace Engineering Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Social Sciences Other

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Tinjauan Maqāṣid Syariah terhadap Praktik Trading Aset Kripto di Era Transformasi Digital Alfin Miftahul Akmal; Tanadda Shidqi; Iqbal Fathul Falakh; Fajrin Ramadhani; Syaeful Bahri
Jurnal Pendidikan Tambusai Vol. 10 No. 2 (2026): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i2.40814

Abstract

Kemajuan teknologi digital telah menghadirkan berbagai inovasi di bidang keuangan, termasuk aset kripto yang semakin banyak dimanfaatkan sebagai sarana investasi dan perdagangan. Fenomena ini memunculkan beragam pandangan dalam ekonomi Islam karena di satu sisi memberikan peluang ekonomi, sementara di sisi lain mengandung risiko ketidakpastian dan spekulasi. Penelitian ini bertujuan mengkaji praktik trading aset kripto melalui perspektif Maqāṣid Syariah. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan kepustakaan (library research) yang memanfaatkan berbagai sumber, seperti literatur Maqāṣid Syariah, fatwa MUI, regulasi terkait aset kripto, serta artikel ilmiah. Hasil kajian menunjukkan bahwa trading aset kripto memiliki nilai kemaslahatan berupa kemudahan transaksi, inovasi teknologi keuangan, dan alternatif investasi. Namun, aktivitas ini juga berpotensi menimbulkan kemudaratan akibat fluktuasi harga yang tinggi, unsur gharar, serta risiko kerugian finansial. Oleh karena itu, penilaian terhadap trading aset kripto dalam Islam bergantung pada dominasi aspek maslahat atau mafsadat yang ditimbulkannya.
Perception of Ease and Herding Behavior: The Role of Knowledge in Investment Decisions on Gold Among the Youth in Serang City Muti’ah Nurul Jannah; Suryani Suryani; Syaeful Bahri
Eduvest - Journal of Universal Studies Vol. 6 No. 2 (2026): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v6i2.52576

Abstract

The surge in gold prices has given rise to the phenomenon of the gold rush among the younger generation. Technological advancements have increased the ease with which the younger generation can invest in gold, while the fear of missing out (FOMO) can foster herding behavior in gold investment decisions. This study aims to analyze the influence of perceived ease, herding behavior, and the level of investment knowledge on gold investment decisions. It also aims to examine investment knowledge as a moderating variable. The quantitative approach employed in this research uses Partial Least Squares Structural Equation Modeling (PLS-SEM) with random sampling techniques. The findings indicate that investment knowledge has a positive and significant impact on investment decision-making. In addition, the perception of ease has been proven not only to enhance investment knowledge but also to directly drive investment decisions. Meanwhile, herding behavior does not show a significant influence on either investment knowledge or investment decisions. The study also reveals that investment knowledge does not function as a moderating variable in the relationship between herding behavior, perceived ease, and investment decisions.
The Influence of Halal Certification, Muslim Influencers, and Lifestyle on Purchase Decisions with Trust as an Intervening Variable Among Generation Z in Serang City Karomah; Hadi Peristiwo; Syihabudin; Wazin; Syaeful Bahri
Danadyaksa: Post Modern Economy Journal Vol. 4 No. 1 (2026): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v4i1.477

Abstract

The halal cosmetics industry in Indonesia has experienced rapid growth alongside the increasing awareness of Muslim consumers, particularly Generation Z, regarding the use of products that comply with Islamic principles. Digital technology, the presence of Muslim influencers, and lifestyle changes play important roles in shaping consumer behavior and purchase decisions. However, conceptual gaps still exist in understanding the mechanism through which these factors influence purchase decisions, with trust serving as an intervening variable. The study employed a quantitative research method using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) approach. The data analysis included tests of Convergent Validity, Discriminant Validity, Composite Reliability, Model Fit, Path Coefficient, R-Square (R²), and Hypothesis Testing. The results of the study indicate that halal certification has a significant positive effect on purchase decisions, with a T-statistic value of 9.337 and a P-value of 0.001. Muslim influencers also have a significant effect, with a T-statistic of 7.306 and a P-value of 0.000. Lifestyle has a significant effect on purchase decisions, with a T-statistic of 4.350 and a P-value of 0.001. Furthermore, halal certification has a significant positive effect on trust, with a T-statistic of 22.128 and a P-value of 0.000. Muslim influencers significantly affect trust, with a T-statistic of 7.536 and a P-value of 0.000. Lifestyle also has a significant effect on trust, with a T-statistic of 3.205 and a P-value of 0.001. The R-Square value of 0.987 indicates that the independent variables are able to explain 98.7% of the variance in purchase decisions. Trust is also proven to mediate the relationships among the variables, with a T-statistic of 5.842 and a P-value of 0.000. Halal certification, Muslim influencers, and lifestyle have a positive and significant effect on halal cosmetic purchase decisions among Generation Z in Serang City. These three variables also have a positive and significant effect on consumer trust. Trust has been proven to have a positive and significant effect on purchase decisions. The better the perception of halal certification, the role of Muslim influencers, and the implementation of a halal lifestyle, the higher the level of trust and the purchase decisions for halal cosmetics among Generation Z.
THE EFFECT OF INSTITUTIONAL REPUTATION, FINANCIAL LITERACY, AND ACCOUNTABILITY ON M U ZAKKI'S TRUST WITH SATISFACTION AS AN INTERVENING VARIABLE (STUDY ON BAZNAS OF BANTEN PROVINCE) Nurul Safera; Itang Itang; Sulaeman Jajuli; Suryani Suryani; Syaeful Bahri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9724

Abstract

This study uses satisfaction as an intervening variable in BAZNAS Banten Province to examine the influence of institutional reputation, financial literacy, and accountability on the trust of muzakki (payers of zakat). The phenomenon of many muzakki choosing to distribute zakat independently rather than through official institutions indicates that the level of public trust in zakat management institutions is still low, which is the main reason for conducting this study. This study combines quantitative methods with descriptive-verification strategies. A sample of 100 respondents was selected using purposive sampling, and data were collected through questionnaires. Analysis was conducted using multiple linear regression and mediation tests using the Baron & Kenny and Sobel Test techniques. The research findings indicate that zakat payers' satisfaction is significantly influenced by institutional reputation, financial knowledge, and accountability. Only financial knowledge and satisfaction were found to have a significant influence on zakat payers' trust in the second model; reputation and accountability did not show a significant influence. Furthermore, the relationship between financial literacy and zakat payers' trust is strengthened by zakat payers' satisfaction, which acts as an intermediary variable. Overall, this study suggests that the primary strategy in building zakat payers' trust at BAZNAS Banten Province is improving financial knowledge and service quality, which fosters satisfaction. These results can be used as a basis for developing zakat management regulations that are more accountable, transparent, and focused on the needs of zakat payers.
Analisis Penggunaan PayLater dalam Perspektif Fikih Muamalah Kontemporer dan Dampaknya terhadap Perilaku Konsumtif Mahasiswa Rasya Adi Ismail; M. Raihan Abimanyu; Riki Pebri Adiansyah; Nayla Yasmin; Syaeful Bahri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.11629

Abstract

Penelitian ini dilakukan untuk melihat bagaimana layanan PayLater, terutama Shopee PayLater, jika ditinjau dari sudut pandang hukum Islam modern (fikih muamalah kontemporer), sekaligus melihat pengaruhnya terhadap kebiasaan belanja berlebihan di kalangan mahasiswa. Penelitian menggunakan pendekatan kualitatif dengan teknik pengumpulan data berupa observasi, wawancara, dan dokumentasi. Data dianalisis secara deskriptif dengan mengacu pada prinsip-prinsip hukum Islam, terutama konsep riba, gharar, dan maslahah. Hasil penelitian menunjukkan bahwa penggunaan Shopee PayLater berpotensi mengandung unsur riba apabila terdapat tambahan pembayaran, bunga, atau denda keterlambatan yang menghasilkan keuntungan bagi penyedia layanan. Selain itu, unsur gharar dapat muncul apabila informasi mengenai biaya, tenor, mekanisme pembayaran, konsekuensi keterlambatan, dan ketentuan lainnya tidak disampaikan secara jelas dan transparan kepada pengguna. Dari sisi perilaku konsumen, kemudahan akses, proses transaksi yang cepat, penundaan pembayaran, serta berbagai promosi mendorong mahasiswa melakukan pembelian secara impulsif dan berlebihan. Perilaku tersebut dipengaruhi oleh faktor internal, seperti rendahnya pengendalian diri, keinginan memenuhi gaya hidup, dan dorongan emosional, serta faktor eksternal, seperti pengaruh teman sebaya, media sosial, influencer, dan program promosi. Temuan ini menegaskan bahwa penggunaan PayLater perlu disertai literasi keuangan, pemahaman akad, dan kesadaran terhadap prinsip-prinsip ekonomi Islam. Mahasiswa perlu mempertimbangkan kebutuhan, kemampuan membayar, serta risiko transaksi agar penggunaan PayLater tetap bijak, bertanggung jawab, dan tidak menimbulkan dampak finansial yang merugikan dalam kehidupan sehari-hari maupun pada masa mendatang.
Tinjauan Fiqih Muamalah Terhadap Sukuk Sebagai Instrumen Investasi Syariah Modern Agung Ramadhan Sutopo; Arya Ramadhan Fathurohman; M. Fadlan Al-Fahrezi; Haidar Hafizh Alramdhani; Syaeful Bahri
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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

Abstract

Perkembangan industri keuangan syariah di Indonesia telah mencapai pertumbuhan yang signifikan dalam satu dekade terakhir, dengan sukuk sebagai salah satu instrumen investasi yang mengalami peningkatan paling pesat. Penelitian ini bertujuan untuk mengkaji kedudukan sukuk dalam perspektif fiqih muamalah serta menganalisis kesesuaiannya dengan prinsip-prinsip syariah yang berlaku. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan jenis penelitian normatif (library research) yang mengkaji berbagai sumber hukum Islam, regulasi perundang-undangan, fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI), dan literatur akademik yang relevan. Hasil penelitian menunjukkan bahwa sukuk, apabila diterbitkan dan dikelola sesuai dengan ketentuan syariah, memiliki landasan hukum yang kuat dalam fiqih muamalah, baik berdasarkan Al-Qur’an, Hadis, ijma’, maupun qiyas. Akad-akad yang digunakan dalam sukuk, seperti ijarah, mudharabah, musyarakah, wakalah, dan istishna’, merupakan akad yang telah diakui keabsahannya dalam khazanah fikih Islam klasik maupun kontemporer. Meskipun demikian, terdapat sejumlah tantangan dalam implementasinya, terutama terkait potensi penyimpangan dari substansi syariah akibat rekayasa struktur keuangan yang menyerupai obligasi konvensional. Penelitian ini menyimpulkan bahwa penguatan kepatuhan syariah dalam penerbitan dan pengelolaan sukuk memerlukan pengawasan yang lebih ketat, peningkatan literasi keuangan syariah, serta harmonisasi regulasi antar-lembaga.
Co-Authors Ade Adhariah Ade Adhariah Ade Agung Ramadhan Sutopo Ahmad Zainuri Alfin Miftahul Akmal Alfisah Alyssa Berliana Afandi Arya Ramadhan Fathurohman Azizah, Hani Fajrin Ramadhani Hadi Peristiwo Haidar Hafizh Alramdhani Iqbal Fathul Falakh Itang Itang Karomah Kholid Musana M. Ade Yudha Wijaya M. Fadlan Al-Fahrezi M. Raihan Abimanyu Mohamad Subroto Alirejo Muhammad Fauzan Nawawi Ali Muhammad Husni Tamam Muti’ah Nurul Jannah Nahid, Muhamad Natasya Kamila Nayla Yasmin Nurul Safera Rasya Adi Ismail Riki Pebri Adiansyah Rizky Kurniawan Ruba Danisa Ara Sukemi Sulaeman Jajuli Suryani Suryani Suryani Suryani Syihabudin Tanadda Shidqi Tubagus Alif Jalaluddin El Aroby Wazin Yoga Adiyanto, Yoga