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All Journal EKSPANSI Al-Istinbath: Jurnal Hukum Islam Fastabiq: Jurnal Studi Islam Journal of Islamic Law (EJIL) Ekonosfera: Jurnal Ekonomi, Akuntansi, Manajemen, Bisnis dan Teknik Global
Susana, Lina Marlina
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Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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INVESTASI DALAM PERSPEKTIF EKONOMI SYARIAH Susana, Lina Marlina; Safitri, Nurlita
FASTABIQ: JURNAL STUDI ISLAM Vol 4, No 1 (2023): FASTABIQ: Jurnal Studi Islam
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47281/fas.v4i1.125

Abstract

The lack of public understanding of investment has resulted in many investors investing in industries thar produce and sell illegal products or illicit goods. There are also cases of people falling into fraudulent or (illegal) investments’his research is intended to provide insight into the perspective that Investment Outlook can simply be referred to as a way to develop income and can help us avoid inflation, with sharia investments, namely: musyarakah or shirkah (partnership) contracts, mudarabah or qirad contracts, leasing-leasing (ijarah), kafalah contract (collateral) and wakalah contract (representing). As well as giving the view that there are several investments that contradict sharia principles, examples of prohibited investments are: investments that contain usury (additional), gharar (uncertain), maysir (gambling), vanity, and Bay’i ma’dum. This research is a qualitative approach using content analysis in literature study. That is doing descriptive analytical on exiting sources both from book manuscripts and various journal articles obtained. Results, here’s an effective way to avoid illegal investment, 1). Be careful if you receive a very attractive prize offer, 2) make it a habit to check licensing/approval documents for investment institutions or companies, 3) examine the forms and methods of these Comines in marketing their investment products, 4) may not hand over funds before making and signing a formal and detailed agreement, and 5) immediately report any illegal investment. Keywords; Economic; Investment; Sharia
INOVASI PENGELOLAAN WAKAF IKHTIAR MEMBANGUN EKOSISTEM INVESTASI BERKELANJUTAN Susana, Lina Marlina
Equality: Journal of Islamic Law (EJIL) Vol. 3 No. 1 (2025): Equality: Journal of Islamic Law (EJIL)
Publisher : Islamic Law Doctoral Study Programme, Postgraduate UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ejil.v3i1.1254

Abstract

Abstrak: Penelitian ini bertujuan untuk menganalisis inovasi dalam pengelolaan wakaf sebagai ikhtiar membangun ekosistem investasi berkelanjutan. Wakaf, sebagai instrumen sosial-ekonomi dalam Islam, memiliki potensi besar dalam mendukung kesejahteraan masyarakat. Namun, pengelolaan wakaf konvensional sering menghadapi tantangan dalam optimalisasi, tata kelola, dan keberlanjutan. Penelitian ini menggunakan metode kualitatif dengan pendekatan yuridis normatif. Data diperoleh melalui studi literatur dan analisis dokumen terkait model investasi berbasis wakaf. Penelitian ini juga mengkaji kerangka regulasi, inovasi digital, dan peran lembaga keuangan syariah dalam mendukung pengelolaan wakaf yang berkelanjutan. Hasil penelitian menunjukkan bahwa inovasi dalam pengelolaan wakaf, seperti penerapan wakaf digital, integrasi dengan fintech syariah dan model investasi berbasis wakaf, dapat meningkatkan transparansi, efisiensi, dan keberlanjutan wakaf secara signifikan. Studi ini juga menekankan pentingnya dukungan regulasi dan kesadaran masyarakat dalam mengoptimalkan wakaf untuk pembangunan ekonomi jangka panjang. Penelitian ini memberikan kontribusi akademik dan praktis dengan menawarkan model baru dalam mengintegrasikan wakaf ke dalam ekosistem investasi berkelanjutan. Temuan ini memberikan rekomendasi bagi pembuat kebijakan, lembaga wakaf, dan investor dalam meningkatkan efektivitas wakaf dalam mendukung pertumbuhan ekonomi dan kesejahteraan sosial Abstract: This study aims to analyse innovations in waqf management as an effort to build a sustainable investment ecosystem. Waqf, as a socio-economic instrument in Islam, has great potential in supporting community welfare. However, conventional waqf management often faces challenges in optimisation, governance, and sustainability. This research uses a qualitative method with a normative juridical approach. Data is obtained through literature study and document analysis related to waqf-based investment models. This research also examines the regulatory framework, digital innovation, and the role of Islamic financial institutions in supporting sustainable waqf management. The results show that innovations in waqf management, such as the implementation of digital waqf, integration with Islamic fintech and waqf-based investment models, can significantly improve the transparency, efficiency and sustainability of waqf. The study also emphasises the importance of regulatory support and public awareness in optimising waqf for long-term economic development. This research makes both academic and practical contributions by offering a new model of integrating waqf into the sustainable investment ecosystem. The findings provide recommendations for policymakers, waqf institutions, and investors in enhancing the effectiveness of waqf in supporting economic growth and social welfare.
URBAN MUSLIM HOUSEHOLDS: HOW SHARIA CONSUMPTION LOYALTY AND SHARIA FINANCIAL LITERACY SHAPE LIFE SATISFACTION Setiawan, Setiawan; Fransiska, Alda Tri; Pebrianti, Gita Nuralipah; Pakpahan, Rosma; Susana, Lina Marlina
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 17 No 1 (2025)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v17i1.6535

Abstract

This study aims to analyze the influence of loyalty in Sharia-compliant consumption patterns and sharia financial literacy on the life satisfaction of urban Muslim households in the Greater Bandung area. A quantitative approach was employed, using a survey method through online questionnaires distributed to 160 Muslim households with experience or knowledge related to Sharia-based consumption and finance. The sampling technique used was purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM), which is suitable for complex structural models with moderate sample sizes and non-normally distributed data. The results indicate that both loyalty in Sharia-compliant consumption and sharia financial literacy have a positive and significant effect on the life satisfaction of urban households. These findings highlight the critical role of religious values and Sharia-based financial management capabilities as determinants of subjective well-being among urban Muslim families.
Integrasi Hukum Islam dalam Kebijakan Pengelolaan Sumber Daya Alam: Mencapai Keberlanjutan dan Keadilan Sosial di Indonesia Susana, Lina Marlina; Tripalupi, Ramadhani Irma; Kholil, Suparman; Efendi, Nur; Sakinah, Gina
AL-ISTINBATH : Jurnal Hukum Islam Vol 10 No 2 (2025)
Publisher : Institut Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jhi.v10i2.13038

Abstract

This study examines the integration of Islamic legal principles into Indonesia’s natural resource governance, with a particular focus on sustainability and social justice. The research is motivated by the exploitative and anthropocentric orientation of current policies, which neglect intergenerational equity and ecological justice. To address this gap, the study employs a normative-juridical method with a critical approach, analyzing law as a system of norms rather than merely as social practice. Sources include statutory laws such as the Minerba Law and Job Creation Law, relevant fatwas issued by the Indonesian Council of Ulama, as well as Qur’anic and Hadith texts interpreted through the framework of maqāṣid al-sharī‘ah. Case studies of deforestation in Kalimantan and mining conflicts in West Nusa Tenggara are presented to contextualize the neglect of Islamic values in environmental management. The findings reveal four structural problems: legal dualism between state law and Islamic ethics, weak institutionalization of sharia principles, sectoral fragmentation in governance, and centralization of authority that marginalizes indigenous communities. These issues contribute to the persistent neglect of maslahah, ‘adl, and environmental justice in public policy. The study proposes a maqāṣid-based reconstruction of legal norms through ijtihād maqāṣidī and taḥqīq al-manāṭ as methodological tools to realign governance with ethical and ecological imperatives. Recommendations include revising extractive laws, integrating environmental fatwas into statutory frameworks, strengthening participatory governance, and establishing a Maqāṣid Commission for ecological oversight. In conclusion, the research demonstrates that reconstructing Islamic law through maqāṣid not only fills the ethical gap in Indonesia’s regulatory system but also offers a transformative model for just, participatory, and sustainable environmental governance.
Peran Pembiayaan Syariah Dalam Mendorong Pemberdayaan UMKM: Studi Kasus Lembaga Keuangan Mikro Syariah Di Indonesia Susana, Lina Marlina; Rizky Muhammad.F; Alim, Aji Nur; Aminudin, Mizan
Ekonosfera: Jurnal Ekonomi, Akuntansi, Manajemen, Bisnis dan Teknik Global Vol. 1 No. 1 (2025): Januari
Publisher : Yayasan Cendekia Gagayunan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63142/ekonosfera.v1i1.119

Abstract

This study discusses the role of Islamic financing in empowering Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, which play an important role in the national economy through job creation and reducing economic inequality. This research aims to explore the impact of sharia-based financing offered by Islamic Microfinance Institutions (MFIs) and Islamic banks in supporting MSMEs, particularly through financing products such as murabahah, musyarakah, and mudharabah. Using a qualitative approach and secondary data analysis, this study collected data from journals, books, and statistical sources to identify key themes in MSME empowerment through Islamic finance. The results show that Islamic finance supports the growth of MSMEs by providing fairer and more sustainable access to funding, as well as through mentoring programmes that improve the managerial capabilities of MSMEs. Despite challenges such as low Islamic financial literacy, this study concludes that Islamic financing has great potential in strengthening the contribution of MSMEs to the national economy.
Co-Authors Alim, Aji Nur Aminudin, Mizan Fransiska, Alda Tri Kholil, Suparman NUR EFENDI Pakpahan, Rosma Pebrianti, Gita Nuralipah Rizky Muhammad.F Safitri, Nurlita Sakinah, Gina Setiawan Setiawan Tripalupi, Ramadhani Irma