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All Journal Share: Jurnal Ekonomi dan Keuangan Islam International Journal of Islamic Business Management
Muhammad Arfan Harahap
Universitas Islam Negeri Sumatera Utara
Religion Economics, Econometrics & Finance

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Measuring Muslim Welfare: A Falah-Based Index Muhammad Arfan Harahap; Sukiman Sukiman; Isnaini Harahap
Share: Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2 (2023)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v12i2.19191

Abstract

The concept of welfare remains a subject of ongoing debate, and the prevailing frameworks for assessing welfare need to be adapted to align with Islamic principles. This study delves into the concept of falah, a state of well-being rooted in Islamic values, to develop a 'falah welfare index' and analyze it within a Muslim community in Langkat Regency, Indonesia. Additionally, the study explores the variables that influence falah welfare. Employing a mixed-methods approach with an exploratory sequential design, this research qualitatively constructs a falah welfare index and quantitatively measures both community welfare levels and the impact of predictor variables on the criterion variable of falah welfare. A key finding of this study is the establishment of a falah welfare index comprising three categories: fakir (extreme poverty), miskin (poor), and falah (well-being). Moreover, the results reveal a positive influence of religiosity, Islamic work ethics, Islamic consumption ethics, Islamic investment patterns, and Islamic wealth management on falah welfare. The implications of this research offer a novel approach to measuring welfare within Muslim societies and solidify the concept of falah as a cornerstone of welfare evaluation from an Islamic economic perspective.==============================================================================================================ABSTRAK – Pengukuran Kesejahteraan Muslim: Analisis Indeks Berbasis Falah. Kesejahteraan masih menjadi fenomena yang terus diperdebatkan dan pengukuran kesejahteraan seorang Muslim perlu disesuaikan dengan karakteristik ke-Islaman. Tujuan penelitian ini untuk mengeksplorasi konsep falah dalam membangun ‘Indeks Kesejahteraan Falah’ dan menganalisis tingkat kesejahteraan masyarakat Muslim di Kabupaten Langkat, Sumatera Utara, Indonesia. Selain itu, penelitian ini juga menganalisis variabel yang mempengaruhi variabel kesejahteraan falah. Penelitian ini menggunakan metode campuran (mixed method) dengan desain exploratory sequential. Indeks kesejahteraan falah diinisiasi dengan metode kualitatif sementara metode kuantitatif digunakan untuk pengukuran terhadap tingkat kesejahteraan masyarakat dan pengujian pengaruh dari masing-masing variabel predictor terhadap variabel criterion. Analisis data dilakukan dengan pendekatan Structural Equation Modeling-Partial Least Square (SEM-PLS). Temuan utama penelitian ini adalah terbangunnya indeks kesejahteraan falah dengan tiga kategori tingkatan yaitu fakir, miskin dan falah. Kajian ini juga menunjukkan adanya pengaruh positif variabel religiositas, etika bekerja Islami, etika konsumsi Islami, pola investasi Islami dan pengelolaan harta Islami terhadap variabel Kesejahteraan Falah. Hasil ini berimplikasi dalam memberikan alternatif baru dalam pengukuran tingkat kesejahteraan masyarakat Muslim dan membuktikan soliditas konsep falah sebagai metode pengukur kesejahteraan dalam perspektif ekonomi Islam.
EFEKTIVITAS KEBIJAKAN MONETER DAN FISKAL DALAM MENJAGA STABILITAS EKONOMI DI ERA PASCA PANDEMI Dianda Hashifah; Yunita Dwi Rahmawati; Muhammad Arfan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This research aims to analyze the effectiveness of monetary and fiscal policies in maintaining Indonesia’s economic stability in the post-pandemic era. The COVID-19 pandemic caused significant disruptions to economic growth, price stability, and the national financial system, requiring appropriate and well-coordinated macroeconomic policy responses. Fiscal policy, implemented through increased government spending and economic stimulus, is expected to support economic recovery, while monetary policy plays a crucial role in controlling inflation and maintaining financial liquidity. This research employs a qualitative descriptive approach using a literature review method by examining relevant scientific journals, policy reports, and official publications published since 2020. The findings indicate that strong coordination between monetary and fiscal policies is essential in maintaining economic stability and accelerating post-pandemic recovery. However, policy effectiveness is highly influenced by global economic conditions, institutional coordination, and the timing of policy implementation. Therefore, strengthening policy coordination and conducting continuous evaluations are necessary to ensure that monetary and fiscal policies operate effectively and sustainably in addressing future economic challenges.
TRANSFORMASI LEMBAGA KEUANGAN NON BANK ISLAM DALAM MENINGKATKAN INKLUSI KEUANGAN BERBASIS PRINSIP SYARIAH NASIONAL INDONESIA Anggi Arko Azzahra Kudadiri; Aida Fadillah; Muhammad Arfan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This research discusses the role and development of Islamic Non-Bank Financial Institutions within the modern economic system based on sharia principles. Islamic Non-Bank Financial Institutions emerge as alternative financial intermediaries that not only focus on profit generation but also emphasize justice, social welfare, and ethical balance. This research aims to analyze the characteristics, functions, and contributions of Islamic Non-Bank Financial Institutions in supporting economic growth and financial inclusion. The method used in this research is a literature study by examining relevant books, scientific journals, and regulations related to Islamic finance. The results indicate that Islamic Non-Bank Financial Institutions play a strategic role in providing sharia-compliant financial services such as financing, Islamic insurance (takaful), Islamic pension funds, and other financing institutions. Their existence enhances public access to halal and ethical financial services. However, these institutions face several challenges, including low levels of sharia financial literacy and strong competition from conventional financial institutions. Therefore, strengthening regulations, encouraging product innovation, and improving continuous education are necessary to ensure the sustainable development of Islamic Non-Bank Financial Institutions in the future.
MINAT GENERASI Z DALAM BERWAKAF UANG MELALUI PEMANFAATAN TEKNOLOGI DIGITAL PADA PLATFORM KEUANGAN Dini zahratun husna; Faris Affandi; Muhammad Arfan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Cash waqf is an Islamic philanthropic instrument with significant potential to support economic and social development. However, the level of participation of Generation Z in cash waqf remains relatively low despite their large population and digital-native characteristics. This study aims to analyze the factors influencing Generation Z’s interest in cash waqf. The research employs a quantitative approach using questionnaire-based data collected from Generation Z respondents. The variables examined include cash waqf literacy, religiosity, trust in waqf management institutions, utilization of digital technology, and ease of access to information. The data were analyzed using multiple linear regression to determine the effect of each variable on interest in cash waqf. The findings indicate that cash waqf literacy, institutional trust, and the use of digital technology have a significant positive effect on Generation Z’s interest in participating in cash waqf. Meanwhile, religiosity and access to information show a weaker influence. This study is expected to serve as a reference for waqf institutions in developing strategies to enhance cash waqf participation by aligning programs with the characteristics and preferences of Generation Z.
TRANSFORMASI KEBIJAKAN MONETER SYARIAH DALAM MENGHADAPI TANTANGAN SISTEM KEUANGAN GLOBAL MODREN ISLAM BERBASIS NILAI KEADILAN Syifwa Nurdilla Gusvi Damanik; Nurul Hikmah Pasaribu; Muhammad Rusdi Hasibuan; Muhammad Arfan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The classroom environment plays a crucial role in shaping the quality of the learning process, particularly in improving the concentration of elementary school students. Concentration in learning in children is greatly influenced by the physical and psychological conditions created within the classroom. A neat room layout, adequate lighting, and good ventilation help create a comfortable learning atmosphere with minimal distractions. Furthermore, the use of engaging learning media and the moderate placement of visual elements can strengthen students’ focus during learning activities. Positive interactions between teachers and students are also crucial in creating a supportive learning environment. Teachers who are able to manage a classroom effectively can reduce noise, regulate the pace of activities, and provide clear directions so that students can more easily maintain attention. This study aims to illustrate how elements of the classroom environment contribute to improving elementary school students’ concentration and provide practical guidance for educators in creating a conducive learning space oriented towards children’s developmental needs.
ANALISIS KOMPREHENSIF TERHADAP PENGARUH IMPLEMENTASI GOOD CORPORATE GOVERNANCE DAN KEPATUHAN SYARIAH TERHADAP STABILITAS SERTA KINERJA KEUANGAN LEMBAGA KEUANGAN ISLAM DI INDONESIA Rendi Pohan; Sultan Arrumi Yahya; Bagus Yudistira; Muhammad Arfan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to comprehensively analyze the influence of Good Corporate Governance (GCG) implementation and Sharia compliance on the stability and financial performance of Islamic financial institutions in Indonesia. The application of sound governance and adherence to Sharia principles are fundamental in maintaining public trust, enhancing operational efficiency, and ensuring the sustainability of Islamic financial institutions amid the dynamic modern financial system. This research employs a quantitative approach using secondary data obtained from annual financial reports and corporate governance disclosures of Islamic financial institutions during the observation period. Financial performance and stability are measured through profitability ratios and financial stability indicators, while GCG and Sharia compliance are assessed based on regulatory guidelines and established Sharia standards. The results indicate that the implementation of Good Corporate Governance and Sharia compliance has a positive and significant effect on both financial stability and performance of Islamic financial institutions. These findings suggest that strong governance structures and strict compliance with Sharia principles function not merely as regulatory obligations, but also as strategic instruments to enhance performance, resilience, and long-term sustainability of Islamic financial institutions in Indonesia.
Co-Authors Aida Fadillah Anggi Arko Azzahra Kudadiri Bagus Yudistira Dianda Hashifah Dini zahratun husna Faris Affandi Isnaini Harahap Muhammad Rusdi Hasibuan Nurul Hikmah Pasaribu Rendi Pohan Sukiman Sukiman Sultan Arrumi Yahya Syifwa Nurdilla Gusvi Damanik Yunita Dwi Rahmawati