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All Journal EKSPANSI Al-Istinbath: Jurnal Hukum Islam Fastabiq: Jurnal Studi Islam JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Ekonosfera: Jurnal Ekonomi, Akuntansi, Manajemen, Bisnis dan Teknik Global
Susana, Lina Marlina
Unknown Affiliation
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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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
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.
REKONTRUKSI KONSEP AMANAH AL MAWARDI SEBAGAI DASAR REFORMASI TATA KELOLA EKONOMI PUBLIK INDONESIA Inayah, Risalatul; Susana, Lina Marlina
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 3 No. 1 (2026): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN 
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v3i1.8656

Abstract

Tata kelola ekonomi publik Indonesia masih dibayangi korupsi tinggi, lemahnya pengawasan anggaran, dan rendahnya integritas pejabat, tercermin dari skor Indeks Persepsi Korupsi 2023 yang berada pada angka 34/100. Penelitian ini bertujuan menganalisis konsep amanah menurut Al-Mawardi dalam Al-Ahkam al-Sultaniyyah serta menilai relevansinya bagi reformasi tata kelola ekonomi publik Indonesia. Metode yang digunakan adalah studi literatur terhadap teks klasik, teori tata kelola modern, dan kajian kontemporer mengenai integritas sektor publik. Hasil analisis menunjukkan bahwa amanah mencakup tiga pilar: integritas moral pemegang kekuasaan, akuntabilitas pengelolaan harta publik, dan tanggung jawab sosial. Ketiganya selaras dengan prinsip tata kelola modern terutama transparansi, efektivitas, dan pencegahan korupsi serta memberikan dimensi moral spiritual yang tidak terdapat dalam kerangka Barat. Penelitian menyimpulkan bahwa nilai amanah dapat menjadi dasar etis penguatan transparansi fiskal dan integritas pejabat dalam reformasi tata kelola publik.
Co-Authors Alim, Aji Nur Aminudin, Mizan Fransiska, Alda Tri Inayah, Risalatul Kholil, Suparman NUR EFENDI Pakpahan, Rosma Pebrianti, Gita Nuralipah Ramadhani Irma Tripalupi Rizky Muhammad.F Safitri, Nurlita Sakinah, Gina Setiawan Setiawan