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All Journal FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Interdisciplinary Explorations in Research Journal (IERJ)
Zaki Mubarak
Universitas Islam Negeri Antasari Banjarmasin, Indonesia
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS BAGI HASIL, KUALITAS PELAYANAN, DAN MINAT NASABAH DALAM MENGGUNAKAN PRODUK DEPOSITO SYARIAH Muhammad Ramadhan; Zaki Mubarak; Lisda Aisyah
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 5 No 2 (2022): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v5i2.5368

Abstract

There was an increase in the number of deposit accounts that were not in line with fluctuations in the number of Islamic deposit funds in the 2018-2020 period. This study aims to find out and analyze the effect of profit sharing and service quality on customer interest in using sharia deposit products at PT Bank Tabungan Negara KCS Banjarmasin. Field research with a quantitative descriptive approach, this study uses multiple linear regression analysis with the IBM SPSS Statistics 22 program. The regression results obtained the variable of profit sharing and service quality were able to explain the variable of customer interest by 20.3%, and the remaining 79.7% was explained by other variables outside the study. In the t-test, the profit sharing variable has a significant effect on customer interest while the F test, the profit sharing variable and service quality affect customer interest. Until, the variable of service quality also has a significant effect on customer interest.
Moral Ekonomi Islam, Maqasid Syari’ah dan Kapitalisme Ansharullah Ansharullah; Jalaluddin Jalaluddin; Zainal Abidin; Zaki Mubarak
Interdisciplinary Explorations in Research Journal Vol. 4 No. 2 (2026)
Publisher : PT. Sharia Journal and Education Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ierj.v4i2.1973

Abstract

This article examines the relationship between Islamic moral economy, maqasid al-shari'ah, and the practices of Islamic financial institutions within the context of modern capitalism. The study employs a library research method with a descriptive-critical approach to the literature on Islamic economics, maqasid al-shari'ah, and Islamic finance. The findings reveal that Islamic economics is fundamentally grounded in the principles of tawhid, justice, public welfare, and balance, aiming to establish a human-centered economic system. However, in practice, many Islamic financial institutions have increasingly converged with the capitalist financial system, prioritizing profitability over moral and social values. The dominance of debt-based financing, particularly murabahah, reflects a shift from the principle of risk sharing toward risk transfer, resulting in the incomplete realization of the substantive objectives of maqasid al-shari'ah. Furthermore, the classical framework of maqasid al-shari'ah requires reinterpretation to address contemporary economic challenges related to social justice, community empowerment, and environmental sustainability. This article argues for the reorientation of Islamic finance toward the principles of Islamic moral economy, emphasizing justice, partnership, and collective welfare as the primary objectives of Islamic financial institutions.
Co-Authors Ansharullah Ansharullah Jalaluddin Jalaluddin Lisda Aisyah Muhammad Ramadhan Zainal Abidin