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All Journal Al-Mustashfa Maqasid: Jurnal Studi Hukum Islam Indonesia Journal of Halal EKUITAS (Jurnal Ekonomi dan Keuangan) FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Tasharruf: Journal Economics and Business of Islam El-Qist : Journal of Islamic Economics and Business (JIEB) AL-FALAH : Journal of Islamic Economics Hakam : Jurnal Kajian Hukum Islam dan Hukum Ekonomi Islam Islamiconomic: Jurnal Ekonomi Islam el-Jizya: Jurnal Ekonomi Islam Jurnal Ilmu Sosial dan Humaniora Jurnal Islam Nusantara Al Hurriyah : Jurnal Hukum Islam Golden Ratio of Law and Social Policy Review (GRLSPR) Ziswaf Asfa Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Journal of Sharia Economics, Banking and Accounting Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah An Nafah: Jurnal Pengabdian Masyarakat KASBANA: Jurnal Hukum Ekonomi Syari'ah
Setiawan Bin Lahuri
Universitas Darussalam Gontor
Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Basic Needs as the Foundation of Consumer Behavior: An Analytical Study of Al-Ghazali's Thought Bin Lahuri, Setiawan; Nurkholifah, Euis; Zarkasyi, M. Ridlo; Ramdani Harahap, Soritua Ahmad
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 9, No 2 (2024)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.16764

Abstract

Consumer behavior that has a lot of consumptive tendencies makes this pattern incompatible with consumption in the Islamic economics. Society has the ideology of consuming excessively, unknowingly, and sustainably. Purchases of goods are only based on desires and do not consider needs, so it is necessary to enforce consumption patterns so that they do not fall into the excessive category. The research methodology used is a literature study method by conducting an in-depth reading analysis of various references related to consumer behavior, especially examining various existing literature works. Researchers reviewed several books written by Al Ghazali and several related figures to obtain additional analysis in this research. The results of this research indicate that the consumption theory according to Al Ghazali is not only oriented to satisfaction. Consumption in Islam is more to make people more obedient in worship. Humans are not required to meet their needs sporadically but must comply with sharia principles. Other important things by paying attention to halal, good and mashlahah for the goods they consume.  Keywords: Consumer behavior, Islamic Economics, Society, Al-Ghazali
Pinpointing the Determinants of Financial Literacy: Empirical Evidence of Indonesian Employees in Malaysia Rizal, Achmad; Susilo, Adib; Rahman Abadi, M. Kurnia; Lahuri, Setiawan; Abdullah, Nurdianawati Irwani; Che Embi, Nor Azizan
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 10 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v10i2.7881

Abstract

This paper investigates the determinants variables of financial literacy through Exploratory Factor Analysis among Indonesian employees’ works in Malaysia. This study is quantitative study with 117 respondents. The data from respondents are collected through questionnaire on five-point Likert scale. Data analysis employs EFA (Exploratory Factor Analysis) which reduce the factors into expected variables. The study found that there 7 factors emerged in based on data analysis namely, financial literacy contributes with higher percentages factors 13.93%, financial planning contributes with 11.28%, financial control with 9.86%, exchange rate awareness with 9.52%, financial attitude with 9.07, financial subjective norms with 8.76, and lastly financial awareness contributes 6.93%. Meanwhile, simultaneously all variables have commutative percentages about 69.38%. Further studies are required to investigate or examine each emerged variables for example, SEM, Regression analysis, One Way ANOVA, and so on. Moreover, wider coverage of research sample and research object also suggested.
Tipologi Koperasi Umum dan Syariah Amir Sup, Devid Frastiawan; Lahuri, Setiawan; Kamaluddin, Imam; Ghozali, Mohammad; Hidayat, Iman Nur
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3720

Abstract

This study aims to typify cooperatives in Ponorogo, East Java, Indonesia. The data used as the object of the typology are 842 cooperative data. This study used a quantitative descriptive methodology with a typology approach. Data were collected using the documentation method and typologically using the descriptive analysis method. The results obtained are that there are 430 cooperatives that have been certified by NIK certtified and 412 cooperatives that have not been certified by NIK certified. Cooperatives in Ponorogo, East Java, Indonesia can be typified into 4 (four): (1) Based on level (primary cooperative, secondary cooperative, and cooperative center); (2) Based on activity (KSP, KSU, KBPR, producer cooperative, consumer cooperative, service cooperative, and handicraft industry cooperative); (3) Based on member (KPN-KPRI, employee cooperative, student cooperative, KUD, women's cooperative, and market cooperative); (4) Sharia entities (sharia cooperative, KJKS-KSPPS, Kopontren, and BMT).
Pendampingan UMKM Dalam Analisa Potensi Pengembangan UMKM Melalui Digitalisasi Produk UMKM di Desa Plancungan, Slahung, Ponorogo, Jawa Timur Devid Frastiawan Amir Sup; Setiawan Bin Lahuri; Imam Kamaluddin; Khoirul Umam; Akhmad Affandi Mahfudz; Robby Fathurrohman; Hujjatul Islam Musthafa Abdurrahman; Faiz Izzatullah; Wildan Hakim; Naufal Azmi Ramadhan; Izzuddien Setiaji; Muhammad Hadi Wijaya Munir; Abdul Jafar; Excel Abu Ramadhan; Muhammad Iqbal Choir; M. Mava Saputra Al Maskuri
An Naf'ah: Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2025): Agustus
Publisher : Lembaga Penelitian, Penerbitan dan pengabdian kepada masyarakat (LP3M) STIT Al-Urwatul Wutsqo Jombang.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54437/annafah.v3i2.2047

Abstract

Plancungan village, a small village in Indonesia, has experienced various challenges in developing its Micro, Small, and Medium Enterprises (MSMEs). This article discusses the assistance of digitalization of MSMEs products in Plancungan village which is carried out with the aim of increasing competitiveness and market access for MSMEs. The MSMEs products selected are melons, herbal medicine, tempe, crackers, and pottery. This assistance uses training methods for the use of digital technology, website creation and management, and marketing strategies through social media. The results of this assistance show that MSMEs in Plancungan village have experienced increased sales and wider market exposure. In addition, this digitalization assistance also helps MSMEs to be more adaptive to increasingly dynamic market changes. The recommendation that can be given is to continue to develop digital skills and increase cooperation with related parties in order to expand market reach. With the ongoing collaboration and innovation efforts, it is hoped that MSMEs Plancungan village can continue to grow and become one example of success in facing this digital era, and can be an inspiration for other MSMEs to continue to adapt and develop amidst the increasingly tight competition in this digital era. With the increasing development of technology and digitalization, MSMEs Plancungan village is expected to be able to take advantage of existing opportunities to continue to grow and compete in the global market.
The PEMANFAATAN DANA ZAKAT UNTUK MODAL USAHA DENGAN AKAD QARD KAJIAN FATWA DEWAN SYARI'AH NASIONAL NO:19/DSN-MUI/IV/2001 TENTANG AL-QARDH Margareth Aliyatul Maimunah; Setiawan bin Lahuri
KASBANA Vol 5 No 2 (2025): Juli
Publisher : Sekolah Tinggi Ilmu Syariah Darul Falah Bondowoso

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

Abstract

Zakat plays a vital role in poverty alleviation and community welfare. Beyond consumptive uses, zakat can be productively channeled for mustahik business financing through qardh (interest-free loan) schemes, guided by DSN-MUI Fatwa No. 19/DSN-MUI/IV/2001. This literature review aims to examine how zakat funds can be utilized as business capital via qardh contracts. The study adopts a literature review method by examining relevant fatwas, books, and academic journals. The findings indicate that qardh provides equitable funding, prevents beneficiaries from exploitative financial systems, and fosters sustainable zakat distribution as returned funds can be re-utilized. The qardh contract also proves more effective than grants in fostering responsibility and entrepreneurship. However, implementation faces challenges like low repayment rates (only 20% on time), weak mustahik managerial capacity, and insufficient continuous supervision. Implications suggest the need for entrepreneurship training, intensive mentoring, and integrated monitoring. Strong collaboration among zakat institutions, government, and the community has the potential to make zakat utilization through qardh a strategic solution for sustainable economic empowerment of the Muslim community. Keywords: Productive Zakat, Qardh Contract, DSN-MUI Fatwa, Economic Empowerment, Mustahik.
THE EVOLUTION OF THE MAQĀṢID AL-SHARĪ‘AH PARADIGM: FROM A CONCEPT IN USHUL AL-FIQH TO A METHODOLOGICAL APPROACH IN ISLAMIC LAW Imam Kamaluddin; Amir Sahidin; Setiawan bin Lahuri; Mohammad Muslih
JURNAL HAKAM Vol 10, No 1 (2026)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/jhi.v10i1.14512

Abstract

Maqāṣid al-sharī‘ah has not only been understood as a normative concept within ushul al-fiqh, but has also undergone a paradigmatic evolution into a methodological approach for addressing contemporary legal and social issues. This article aims to examine the evolution of the maqāṣid al-sharī‘ah paradigm from both historical and systematic perspectives, beginning with its conceptual roots in the classical tradition of ushul al-fiqh, its emergence as an independent scholarly discipline, and its subsequent transformation into a methodological framework in the development of modern Islamic law. This study employed a qualitative method using a library research approach, drawing upon primary and secondary sources from both classical and contemporary literature. Data analysis was conducted through descriptive-analytical, historical, and conceptual methods. The findings indicate that maqāṣid al-sharī‘ah has developed gradually, reaching its peak of systematic formulation in the thought of Imam al-Shatibi, and later expanding significantly in the modern era through the contributions of contemporary scholars. The paradigmatic evolution of maqāṣid al-sharī‘ah has proceeded through four principal stages: its implicit presence in scriptural texts (nusūs) and in the understanding of the early Muslim generations (al-salaf); its integration into the studies of fiqh and ushul al-fiqh; its establishment as an independent scholarly discipline; and its application as an approach to addressing various contemporary issues. The conclusion of this article affirms that the transformation of maqāṣid al-sharī‘ah from a concept within ushul al-fiqh into a methodological approach strengthens its relevance as an instrument for the renewal of Islamic law, making it responsive to contemporary challenges.
Contribution of Abu Yusuf's Thoughts in The Book Al-Kharaj Towards Sharia Taxes In KPBU: Analysis of DSN-MUI Fatwa No. 156 of 2023 Setiawan Bin Lahuri; Briandika Yudha Wardhana
Golden Ratio of Law and Social Policy Review Vol. 5 No. 2 (2026): January - June
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grlspr.v5i2.1865

Abstract

Income inequality and high poverty rates are significant problems for developing and even developed countries in the world. Thus, the distribution of income to improve welfare and reduce poverty is urgently needed. Many instruments in Indonesia provide a distribution process, one of which is with taxes. However, the problem is that the Indonesian tax system often contains errors or fails to comply with Sharia principles. This research is a quantitative, descriptive study using a library research method and a qualitative content analysis approach. This study uses secondary data as its primary data. The researcher will examine and review previous literature, including journals, articles, books, and websites, that provide information on the tax distribution process. So that the collection of taxes from the community is inappropriate and results in increased income inequality. Given this phenomenon, this research is essential for understanding the appropriate Sharia tax system as outlined in the book Al-Kharaj, as seen in the DSN-MUI fatwa no. 156 of 2023 is needed, as well as providing solutions to the obstacles faced. This research has the following objectives: to understand, analyze, and determine the relevance of implementing Sharia taxes in Indonesia, as outlined in Fatwa No. 156 of 2023, to the concept of taxes put forward by Abu Yusuf in the book Al-Kharaj.
Integrating Good Governance Business Sharia into Maqasid Sharia: Evidence from Islamic Rural Banks in Indonesia Muhammad Ridlo Zarkasyi; Agung Lia Handayani; Setiawan bin Lahuri; Royyan Ramdhani Djayusman; Adi Rahmannur Ibnu
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 1 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i1.906

Abstract

This study explores the implementation of Good Governance Business Sharia (GGBS) at PT BPRS Mitra Mentari Sejahtera through the framework of Maqasid Shariah. The research examines how governance principles rooted in Sharia values are translated into institutional practices and how they contribute to the realization of ethical and sustainable business objectives. Using a descriptive qualitative approach with a case study design, data were collected through interviews, documentation, and institutional reports, then analyzed using Atlas.ti 09. Findings reveal that BPRS Mitra Mentari Sejahtera has effectively incorporated GGBS principles by promoting transparency, accountability, and adherence to Sharia ethics. However, limited public disclosure—particularly the unavailability of annual reports—remains a major challenge, potentially weakening stakeholder trust and institutional credibility. The study emphasizes the need for stronger transparency mechanisms, enhanced collaboration with Sharia supervisory bodies, and continuous education to reinforce Maqasid Shariah within governance structures. Overall, this research underscores the pivotal role of GGBS in achieving Sharia objectives and advancing ethical governance in the Islamic financial sector.
Kepatuhan Syariah pada Akad Musyarakah Mutanaqishah di Bank Syariah di Indonesia Setiawan Bin Lahuri; Fina Nurafni; Alya Zhafirah Nasywa
SOSMANIORA: Jurnal Ilmu Sosial dan Humaniora Vol. 4 No. 4 (2025): Desember 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/sosmaniora.v4i4.6217

Abstract

Musyarakah Mutanaqishah (MMQ) is a form of hybrid contract and an alternative Sharia-compliant financing model for asset and home ownership. Despite its advantages such as shared ownership, profit sharing, rental cost flexibility, and resilience against economic volatility its implementation in Indonesia remains limited. This is due to low public awareness, and legal and operational challenges. This study aims to explore the strengths of MMQ and evaluate its compliance with Sharia principles, particularly within the framework of hybrid contracts. Employing a qualitative descriptive method through library research that includes books, journals, and scholarly articles, this research finds that MMQ aligns with Sharia law. It combines three permissible contracts: musyarakah (partnership), ijarah (leasing), and ba’i (sale). MMQ also adheres to the boundaries set for hybrid contracts, such as avoiding riba, legal contradictions, and prohibited objectives. Consequently, MMQ is considered a legitimate and Sharia-compliant financing structure. The study recommends the broader application and development of MMQ as a fair and sustainable alternative for Islamic financing in the Indonesian banking sector.
Towards a Systematic Classification of Methodologies in Islamic Economics Nabila Zatadini; Setiawan Bin Lahuri; Yuniar Fathiyyatur Rosyida
Journal of Sharia Economics, Banking and Accounting Vol 2, No 2: 2025
Publisher : STAI Nurul Islam Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52620/jseba.v2i2.287

Abstract

The methodology of Islamic economics currently used tends to adapt from contemporary economics. To address this issue, several Muslim scholars and economists have attempted to develop a methodology for Islamic economics. However, due to the diverse opinions of many Muslim scholars and economists, this methodology remains diverse and has not been systematically codified. To address this issue, this study aims to classify the methodology of Islamic economics based on literature analysis from Muslim economists. The research method used is library research which analyzes the opinions of Muslim economists from journal articles, books, papers, etc. This study found that Muslim economic opinions regarding their main discussion on the methodology of Islamic economics can be divided into four: (1) doctrine; Baqir al-Sadr and Abbas Mirakhor, (2) maqasid sharia; Umer Chapra and Mehmet Asutay, (3) economic problems; A. Mannan, Sabah Eldin Zaim, Akram Khan, Mohammad Aslam Haneef, and Sayyid Tahir, (4) human behavior; Monzer Kahf, Anas Zarqa, and Zub
Co-Authors Abdul Jafar Abdullah, Nurdianawati Irwani Achmad Rizal Adi Rahmannur Ibnu Adillah, Erika Rishan Agung Lia Handayani Ainun Amalia Zuhroh Ainun Amalia Zuhroh Akhmad Affandi Mahfudz Akhmad Affandi Mahfudz Alfan Jawahir Muhammad Alya Zhafirah Nasywa Amir Sahidin Arti, Dwi Karunia Azmi, Muhammad Ulul Briandika Yudha Wardhana Che Embi, Nor Azizan Devid Frastiawan Amir Sup Excel Abu Ramadhan Faiz Izzatullah Fina Nurafni Gafita Almas Handayani, Agung Lia Hartomi Maulana Hujjatul Islam Musthafa Abdurrahman Imam Kamaluddin Iman Nur Hidayat Izzuddien Setiaji Kaffah, Silmi Khoirul Umam Lamya Nurul Fadhilah M. Kurnia Rahman Abadi M. Mava Saputra Al Maskuri Margareth Aliyatul Maimunah Mohammad Ghozali, Mohammad Mohammad Muslih Muhammad Hadi Wijaya Munir Muhammad Iqbal Choir Muhammad Ridlo Zarkasyi Muhammad Rizal Pranoto Mulyono Jamal Mumtaz, Azzam Fatahillah Nabila Zatadini Naufal Azmi Ramadhan Nurkholifah, Euis Okky Mahdi Indrawan Putra Okky Mahdi Indrawan Putra Rahman Abadi, M. Kurnia Rahman, Furqan Hifdzur Rizal Achmad Robby Fathurrohman Royyan Ramdhani Djayusman Rusyda Afifah Ahmad Soritua Ahmad Ramdani Harahap Susilo, Adib . Syamsuri Vina Fithriana Wibisono Wildan Hakim Yuniar Fathiyyatur Rosyida Zuhroh, Ainun Amalia