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Kontekstualisasi Objek Zakat Era Kontemporer di Indonesia: Aset Keuangan Publik Dalam Pembangunan Bangsa Maulana, Nora; Satibi, Ibi
Jurnal Iqtisaduna Vol.10 No.1 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i1.46766

The sharpness of ijtihad studied by Islamic scholars has succeeded in opening up space for the interpretation of zakat objects which were initially understood traditionally in a narrow scope but now there are various contextualizations of obligatory zakat objects into several new sub-categories through a broader review and are able to represent the current state of society. This article attempts to explore the essence and contextualization of zakat objects in the contemporary era as public financial assets in nation building. The research adopted a descriptive qualitative method through a Systematic Literature Review (SLR) approach. Information and data collection is carried out using documentation techniques, while data analysis is carried out through three reviews, namely data reduction, data presentation and drawing conclusions. Indonesia has a lot of contextualization of contemporary zakat objects, starting from professional or income zakat objects, corporate zakat, stock and bond zakat, investments and deposits, mutual fund zakat, including content creator zakat which has emerged along with technological developments and changes in lifestyle trends. This potential is also supported by Indonesia's population, which is predominantly Muslim, reaching 237.55 million people or 86.7% in 2023. With so many obligatory zakat objects and a high Muslim population, these two potentials, if managed and utilized properly, can provide positive impact in reducing economic disparities, realizing prosperity, and accelerate national development.

Implementasi Korporasi, Kapasitas Dan Pembiayaan Umkm Berbasis Ekonomi Kreatif Sebagai Penggerak Perekonomian di Aceh Maulana, Nora; Yulyani Fitri; Malahayatie; Zulfahmi
Cendekia Niaga Vol 7 No 2 (2023): Cendekia Niaga Volume 7 Nomor 2 Tahun 2023
Publisher : Pusat Pendidikan dan Pelatihan Aparatur Perdagangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52391/jcn.v7i2.810

Aceh memiliki potensi UMKM cukup besar, namun permasalahan yang dihadapi juga tidaklah sedikit hingga sering kali UMKM di Aceh tidak memiliki nilai daya saing nasional maupun internasional. Penelitian ini bertujuan mengkaji secara kompleks problematika yang dihadapi pelaku UMKM di Aceh guna menemukan solusi arternatif yang dapat diimplementasikan dalam memaksimalisasi posisi UMKM di Aceh secara optimal. Penelitian ini tergolong penelitian lapangan dengan metode kualitatif deskriptif. Data penelitian berasal dari data primer dan sekunder, di mana data primer diperoleh melalui observasi, wawancara dengan key informance sebanyak 25 orang dan FGD dilakukan dengan pelaku UMKM sebanyak 20 orang. Adapun data sekunder diperoleh melalui berbagai sumber seperti buku, jurnal, berita online, dan dokumentasi terkait topik bahasan. Temuan penelitian diketahui Aceh memiliki potensi UMKM cukup besar dalam menggerakkan perekonomiannya, namun perlu adanya langkah strategis dengan implementasi konsep K2P yang meliputi korporatisasi antara unit-unit UMKM, kapasitas produk UMKM yang berkualitas sehingga mampu bersaing di pasar regional maupun internasional, dan pembiayaan digital untuk kemudahan akses modal bagi pelaku UMKM. Adapun terobosan penting sebagai penunjang keberhasilan pengaturan konsep K2P berbasis ekonomi kreatif meliputi; membuat roadmap UMKM berbasis ekonomi kreatif 2032, menghubungkan para pemberi modal dengan pelaku UMKM, sertifikasi produk UMKM, integrasi stakeholders, budaya konsumsi produk lokal, aspirasi kaum muda, jaminan keaslian dan promosi produk, membentuk manajemen berbasis ekonomi kreatif, dan terakhir mengadakan pelatihan pengembangan SDM. Temuan penelitian ini bisa menjadi inovasi baru dan kajian evaluasi terhadap kesiapan pelaku UMKM dan kebijakan pemerintah dalam mengembangkan kiprah UMKM di Aceh khususnya dan Indonesia umumnya.

The Principles of Balance and Justice in Islamic Financial Institutions in Aceh: Opportunities, Challenges, and Strategies Maulana, Nora; Safwan; Razali; N, Zahrum; Arif, Muhammad Tarmizi Bin Shamshul
Al-Karim: International Journal of Quranic and Islamic Studies Vol. 2 No. 2 (2024): Al-Karim: International Journal of Quranic and Islamic Studies, September
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/al-karim.v2i2.6041

This study aims to examine the implementation of the concepts of balance and justice in Islamic financial institutions in Aceh, focusing on their role in promoting not only economic benefits but also fairness and social welfare. Using a qualitative descriptive approach supported by field data and document analysis, the research explores the opportunities and challenges encountered in operationalizing these values. The findings reveal several opportunities, including enhanced public trust, local economic development, and increased financial system stability and resilience. However, the study also identifies significant challenges such as limited public understanding and education, inadequate infrastructure and technology use, shortage of qualified human resources, suboptimal regulatory oversight, competition with conventional financial institutions, socio-cultural constraints, and difficulties in product implementation. To address these issues, the study proposes several strategies: adherence to sharia principles in operations and transactions, comprehensive sharia-based supervision, community outreach and education, collaborative initiatives with governmental bodies, innovation in sharia-compliant financial products, robust risk management, and a firm commitment to social responsibility. Contribution: This study contributes to the discourse on Islamic finance by emphasizing the practical integration of maqashid al-shariah in institutional governance. It also provides insights for policymakers and practitioners seeking to strengthen the role of Islamic financial institutions in achieving socio-economic justice in regional contexts.

Transformasi Pasar Modal Syariah Indonesia: Menavigasi Tantangan Digitalisasi dan Inklusi Keuangan di Era 5.0 Maulana, Nora; Mukhtasar, Mukhtasar; Wibowo, Muhammad Ghafur; Razali, Razali; Safwan, Safwan
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.52677

The research aims to explore the development of the Indonesian Islamic capital market in the 5.0 era, explore the transformation, advantages and challenges faced by the Indonesian Islamic capital market, and formulate development strategies that can be applied in an effort to create a more modern, inclusive, transparent Islamic capital market structure, and still adhere to sharia principles. The research uses a qualitative method with an analytical literature approach. The findings of the research reveal that there are significant changes taking place in Indonesia's Islamic capital market. These transformations include the role of digitalization in promoting financial inclusion, the adoption of blockchain technology and digital security systems, the implementation of Islamic fintech, and the optimization of Islamic financial literacy. The research also highlights a series of strategic advantages for the development of Indonesia's Islamic capital market, including the synergy between the world's largest Muslim population and demographic bonus, increasing global demand for sustainable finance, and rapidly growing digital connectivity. The findings confirm a number of crucial challenges faced such as limited technological infrastructure, suboptimal regulatory harmonization, low levels of literacy, public perception and trust in Islamic capital markets, high competition with conventional capital markets, limited product variety, and risk management and security of digital transactions.

GRAND MODEL PARIWISATA HALAL DAN EKONOMI KREATIF Razali, Razali; Taufiq, Taufiq; Maulana, Nora
Journal of Islamic Tourism Halal Food Islamic Traveling and Creative Economy Vol 4 No 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam - Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/ar-rehla.v4i2.10239

Abstrak: Penelitian berfokus pada pemodelan transformasi perekonomian Aceh melalui harmonisasi konsep pariwisata halal dengan ekonomi kreatif. Penelitian menggunakan metode kualitatif deskriptif analitis dengan teknik pengumpulan data melalui observasi dan dokumentasi. Adapun analisis data merujuk pada teknik analisis interaktif yang diawali dengan reduksi data, penyajian data, penarikan kesimpulan dan verifikasi data. Hasil penelitian mengidentifikasi bahwa pengembangan grand model pariwisata halal dan ekonomi kreatif di Aceh bukan hanya sekedar upaya untuk memajukan sektor pariwisata dan ekonomi. Tetapi merupakan langkah strategis dalam menciptakan perekonomian inklusif yang berkelanjutan. Sinergi antara kedua sektor ini sangat potensial dalam menciptakan ekosistem yang berkelanjutan. Kunci keberhasilan transformasi ini terletak pada harmonisasi unsur-unsur syariat Islam, seni budaya, sejarah, keindahan alam, dan digitalisasi yang saling melengkapi dalam membangun pengalaman wisata yang autentik dan bermakna. Nilai Islam memberikan arah moral dan etika, budaya lokal memperkaya pengalaman wisatawan dengan keunikan yang tidak ternilai, unsur sejarah meningkatkan inspirasi, sementara digitalisasi membuka jalan menuju pemasaran yang lebih luas dan efisiensi operasional yang lebih tinggi. Namun, perjalanan menuju pencapaian visi besar ini menghadapi sejumlah tantangan yang perlu diatasi seperti keterbatasan infrastruktur yang menghambat aksesibilitas, minimnya pemberdayaan sumber daya manusia yang memperlambat manajemen pengelolaan wisata halal secara profesional, lemahnya koordinasi pemerintah dan stakeholder. Terdapat pula tantangan dalam menjaga konsistensi nilai-nilai halal, adanya konflik pengembangan yang berpotensi mengancam pelestarian alam, termasuk kesulitan pelaku bisnis dalam menyesuaikan nilai budaya lokal dengan pasar wisata halal yang berkembang. Temuan penelitian berkontribusi dalam pembangunan ekonomi yang tidak hanya menguntungkan secara finansial, tetapi memperhatikan keberagaman sosial dan keberlanjutan lingkungan. Kata Kunci: grand model; pariwisata halal; ekonomi kreatif; perekonomian inklusif; Aceh. Abstract: The study focuses on modeling the transformation of the Acehnese economy through the harmonization of the concept of halal tourism with the creative economy. The study uses a qualitative descriptive analytical method with data collection techniques through observation and documentation. The data analysis refers to interactive analysis techniques that begin with data reduction, data presentation, drawing conclusions and data verification. The results of the study identified that the development of a grand model of halal tourism and the creative economy in Aceh is not just an effort to advance the tourism and economic sectors. But it is a strategic step in creating a sustainable inclusive economy. The synergy between these two sectors has great potential in creating a sustainable ecosystem. The key to the success of this transformation lies in the harmonization of elements of Islamic law, arts and culture, history, natural beauty, and digitalization that complement each other in building an authentic and meaningful tourism experience. Islamic values provide moral and ethical direction, local culture enriches the tourist experience with invaluable uniqueness, historical elements increase inspiration, while digitalization paves the way for wider marketing and higher operational efficiency. However, the journey towards achieving this grand vision faces a number of challenges that need to be overcome such as limited infrastructure that hinders accessibility, minimal empowerment of human resources that slows down the management of halal tourism professionally, weak coordination between the government and stakeholders. There are also challenges in maintaining the consistency of halal values, the existence of development conflicts that have the potential to threaten environmental conservation, including the difficulty of business actors in adapting local cultural values to the growing halal tourism market. Research findings contribute to economic development that is not only financially profitable, but also pays attention to social diversity and environmental sustainability. Keywords: grand model; halal tourism; creative economy; inclusive economy; Aceh.

Welcoming the Economic Transformation of the Ummah in Aceh through Muslim Friendly Tourism Destinations Maulana, Nora; Ghafur Wibowo, Muhammad; Ashabul Zicky, Muhammad; Ernita
Syarah: Jurnal Hukum Islam & Ekonomi Vol. 13 No. 2 (2024): SYARAH : Jurnal Hukum Islam dan Ekonomi
Publisher : Fakultas Syariah Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/syarah.v13i2.4994

This research highlights how tourism management based on religious values or known as Muslim-friendly tourism can invite global tourists, while maintaining a balance between modernity and local wisdom but able to contribute in reducing social inequality, especially poverty fluctuations. This research not only explores the landscape of Aceh as a Muslim-friendly tourist destination, but also identifies alternative strategies in creating a halal tourism ecosystem that supports the image of inclusive economic transformation of the people in Aceh. This research includes descriptive qualitative field research, using the Systematic Literature Review Analytical approach. The data sources used to achieve the research objectives refer to the utilization of primary and secondary data sources. Primary data was obtained through observation, while secondary data was obtained through documentation techniques from various valid relevant sources. The data analysis procedure starts from data reduction, followed by data presentation, conclusion drawing and data verification. The research findings show that Muslim-friendly tourism offers significant opportunities to reduce poverty through the creation of new jobs, empowering MSMEs, encouraging better infrastructure development, increasing sources of diversification of community income, and elevating Aceh's image as a global Muslim-friendly tourist destination. Therefore, the tourism sector can be a locomotive that brings significant changes to the economic landscape of Aceh. With strong collaboration between the government, the community, and the private sector, Aceh has the potential to become one of the leading tourist destinations that is not only economically beneficial, but can also provide spiritual benefits for Muslims around the world. Transforming the ummah's economy through the Muslim-friendly tourism sector is not only about creating economic opportunities, but also about building a better future for future generations. It is a step that, with proper planning and implementation, can lead Aceh to a more prosperous, sustainable, and dignified economy in the eyes of the world.

Preferences for Capturing Market Share of Halal Products in the 5.0 Era Through the UTAUT-3 Model for MSMEs in Lhokseumawe City Safwan, Safwan; Maulana, Nora; Ismail, Ismail
Al-Muamalat: Jurnal Ekonomi Syariah Vol 12, No 1 (2025): January (IN PRESS)
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i1.40874

The purpose of the study was to find a new model in the development of MSMEs and identify a number of important factors that influence the increase in the halal market share of MSMEs through empirical testing of the Unified Theory of Acceptance and Use of Technology (UTAUT-3). The study used a mixed method sequential explanatory technique. The sample was selected using a purposive sampling technique and obtained 70 respondents. Data were collected through questionnaires, interviews, observations and documentation. Quantitative data analysis was carried out using the Partial Least Squares Structural Equation Modeling (PLS-SEM) statistical test. The qualitative analysis was studied using the triangulation technique and continued with the Analytical Network Process (ANP) method. The research findings showed that all independent variables including performance expectations, business expectations, social, facilitating conditions, hedonic motivation, price value, habits, and personal innovation had a significant positive effect on behavioral intentions to use QRIS on MSME actors in Lhokseumawe City. The findings identified that to achieve optimal business rates, more intensive and comprehensive use of digital technology is needed. Through the adoption of QRIS digital technology, strengthening halal branding, product innovation, and increasing competitiveness in order to build partnerships with various stakeholders in creating a halal MSME ecosystem. It is important to have government policies and programs related to development, and creating an ecosystem that supports MSMEs in using technology and promoting halal products in the 5.0 era.

Preferences for Capturing Market Share of Halal Products in the 5.0 Era Through the UTAUT-3 Model for MSME in Lhokseumawe City Safwan, Safwan; Maulana, Nora; Mulyani, Rita; Ismail, Ismail
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 12 No. 1 (2025): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i1.40874

This study aimed to develop a new model for MSME growth and identify key factors influencing the increase in halal market share among MSME through empirical testing of the Unified Theory of Acceptance and Use of Technology (UTAUT-3). A mixed-method sequential explanatory approach was employed. The sample was selected using purposive sampling, resulting in 70 respondents. Quantitative data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method, while qualitative data were examined through triangulation and the Analytical Network Process (ANP) method. The findings revealed that all independent variables—including performance expectancy, business expectancy, social influence, facilitating conditions, hedonic motivation, price value, habits, and personal innovation—had a significant positive effect on behavioral intentions to use QRIS among MSME actors in Lhokseumawe City. These results highlight the need for more intensive and comprehensive utilization of digital technology to achieve optimal business performance. The adoption of QRIS, strengthening of halal branding, product innovation, and increased competitiveness are strategic steps toward building partnerships with various stakeholders and developing a sustainable halal MSME ecosystem. Supportive government policies and programs are essential for fostering an ecosystem that promotes technology adoption and the growth of halal products in the 5.0 era.

CONTEMPORARY IJTIHAD METHOD IN DETERMINING SHARIA BUSINESS LAW: ADDRESSING LEGAL NEEDS IN AN ERA OF ECONOMIC AND TECHNOLOGICAL CHANGE Safwan; Maulana, Nora; Fauziyah, Nurul Khansa
al-Mawarid Jurnal Syariah dan Hukum (JSYH) Vol. 7 No. 1 (2025): al-Mawarid Jurnal Syariah dan Hukum (JSYH)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/mawarid.vol7.iss1.art9

Purpose - Contemporary ijtihad methods have emerged in response to the need to update and adapt Sharia law to the times. An adaptive and innovative approach is required to ensure the applied law remains relevant and meets societal needs. This research explores the method of contemporary ijtihad in determining Sharia business law in depth.Method - This research is library research with a descriptive normative approach. The research data were sourced from secondary data with documentation data collection techniques that were collected continuously until it reached saturation. The data analysis is studied through several steps, starting with data reduction and ending with data presentation and conclusion drawing.Findings - The contemporary ijtihad method in determining Sharia business law is essential for addressing Muslims' legal challenges in the modern era. In this context, ijtihad relied on classical traditions and considered social changes, culture, and scientific developments. Various methods, such as tarjihi, insya'i, and integrative ijtihad, have been used to formulate laws that suit the needs of society. These methods allow mujtahids to explore and apply Sharia principles in contemporary business contexts such as e-commerce transactions, insurance, and investment. Thus, contemporary ijtihad plays a crucial role in ensuring that Sharia business law remains relevant, dynamic, and in tune with the people's interests while adhering to the basic principles of Sharia.Research Contributions/Limitations - The research findings are essential to developing flexible and contextual Islamic legal thinking and highlighting Islamic business law issues that have not been explicitly regulated in classical texts to address the dynamic challenges of Islamic business. However, the research study is limited to Muslim-majority countries so that it can be different from countries with a more pluralistic legal system.Originality/Value - This research connects contemporary ijtihad with the practical needs of Sharia business law in the modern world to offer theoretical solutions and real applications that are useful for practitioners and academics and contribute to the application of Sharia business law that is relevant and responsive to changing times.Keywor

Analisis Keakuratan Kualitas dan Kuantitas Sustainability Report Disclosure; Strategi Menarik Minat Investasi di Bank Syariah Indonesia Maulana, Nora
Jurnal Magister Ekonomi Syariah Vol. 1 No. 2 Desember (2022): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2022.012-03

Advances in digital technology that penetrase so quickly create serious changes in various fields including the economy. Sustainability report disclosure is one of the crucial issues that is interesting and always hotly discussed by economic actors in the 5.0 era, including sharia economic actors. This research is important because the accuracy of the sustainability report disclosure is not only a form of compliance with sharia values but also as a trend of needs for stakeholders, and becomes an added value for companies including Bank Syariah Indonesia (BSI) in order to reach wider stakeholders and investors. Increasing the accuracy of the quality and quantity of the sustainability report disclosure can be a solution for BSI in developing its Islamic finance industry. As for the research objectives; First, knowing the effect of the accuracy of the quality and quantity of the sustainability report disclosure on financial performance; Second, knowing the impact of the quality and quantity of the sustainability report disclosure on investor interest in investing. This research is a type of field research with a mix method. The sample was determined through purposive sampling and obtained as many as 34 respondents. The research data used are primary data and secondary data, while the data collection method is done through questionnaires, interviews and documentation. The analysis technique was carried out by using multiple linear regression, t test, F test, and R-Square test. The results of the study show that the accuracy of the quality and quantity of the sustainability report’s disclosure, either partially or simultaneously, has a positive and significant effect on investment interest, as evidenced by the probability statistics obtained, namely 0.000 < 0.05. Both variables have an effect of 94,3% on interest in investing. From the results of the study, it is also known that the variable quality of sustainability report disclosure is the dominant variable that influences the level of investor interest in investing with the value obtained reaching 1.254085 on investors in the Valu Capital stock community in Banda Aceh.

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