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Masuwd, Mowafg

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Author-ID : 7555274

Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Religiosity and its Relationship with the Tolerance Attitudes of Higher Education Students Fuad, A. Jauhar; Masuwd, Mowafg
Tribakti: Jurnal Pemikiran Keislaman Vol. 34 No. 2 (2023): Tribakti: Jurnal Pemikiran Keislaman
Publisher : Universitas Islam Tribakti (UIT) Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/tribakti.v34i2.3617

This study aims to examine the relationship between religiosity and tolerance among university students. This research focuses on how university studentsâ€™ level of religiosity relates to their attitudes towards differences in religion, culture, and views in the academic environment. The research method was a quantitative approach with a cross-sectional design. This study involved 160 students from various programs at several universities. Data were collected using a questionnaire consisting of a religiosity measurement scale and tolerance attitude measurement scale. The religiosity measurement scale includes the dimensions of belief, involvement in religious activities, and importance of religion in daily life. The tolerance attitude measurement scale assessed students' responses to statements describing openness, appreciation, and respect for differences. The results of the analysis show a positive correlation between the level of religiosity of university students and their tolerance attitudes. Students who showed higher levels of religiosity tended to have more tolerant attitudes. These findings suggest that religion can act as an important factor in shaping students' social attitudes in the academic environment. This study contributes to the understanding of the role of religion in shaping tolerant attitudes among university students. The implications of these findings can help in designing more inclusive education programs that emphasize openness to differences and respect for diversity. In addition, this study underscores the importance of opening dialogue and facilitating faith in higher education settings. Although the findings provide valuable insights, this study has limitations in terms of sample coverage and geographical area. Further research involving larger and more diverse samples from different countries or regions is expected to corroborate and expand the generalizability of these findings. Future research could also explore other factors that may influence the relationship between religiosity and tolerance among university students.

Legal Reform of Consumer Privacy Rights Protection in Online Transactions Based on Islamic Economic Law Principles Hasanuddin, Hasanuddin; Masuwd, Mowafg; Ridwan, Muhammad; Mustamin, Siti Walida; Saleh, Muhammad; Fitrayani, Fitrayani
Jurnal Hukum Islam Vol 22 No 2 (2024)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jhi.v22i2.3

Online transactions have the potential to violate consumers' data. However, current regulations do not fully protect consumers' privacy rights and personal data in this era of information technology. This study discusses the renewal of privacy rights protection laws based on the principles of Islamic economic law. Specifically, this study evaluates existing regulations and offers solutions based on the principles of Islamic economic law so that privacy rights protection is safer and more equitable. The research method uses normative juridical with a statutory, conceptual, comparative, and case approach. The results show that Islamic economic law principles prioritizing the values of justice, welfare, and transparency provide a comprehensive legal framework to protect consumers' privacy rights and personal data in online transactions. Applying Islamic economic law principles can increase consumer trust and encourage business actors to be ethically responsible in managing personal data. The proposed legal reform has the potential to create an online transaction ecosystem, especially e-commerce that is fairer, safer, and more sustainable, and protects consumers' privacy rights and personal data, with legal certainty. This research contributes to the law-making of protecting consumer privacy rights and personal data in the current digital era.

Methodological Reasoning Finds Law Using Normative Studies (Theory, Approach and Analysis of Legal Materials) Rohman, Moh. Mujibur; Mu’minin, Nashrul; Masuwd, Mowafg; Elihami, Elihami
MAQASIDI: Jurnal Syariah dan Hukum Vol. 4, No. 2 (Desember 2024)
Publisher : MAQASIDI: Jurnal Syariah dan Hukum published by the Islamic Criminal Law Program of the Sharia and Islamic Economics Department at the Sekolah Tinggi Agama Islam Negeri Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/maqasidi.v4i2.3379

Methodology is an important thing in research. A particular family of knowledge will experience development and is considered not rigid when studied using a certain methodology. Like water in the desert, scientific civilization will feel barren if it is not studied using the correct methodology. This article is a conceptual work on normative legal research which is studied normatively or doctrinally. The approach in this research uses a Conceptual Approach and an Analytical Approach. The author analyzes normative legal research methodology starting from naming to data analysis methods. The conclusions in this article were obtained in an inductive-deductive way. The research results show the importance of using methodology as a branch of knowledge construction. Normative research is the same as library research, only there are several approaches and analyzes that are not the same. It is hoped that legal researchers will not abandon the legal research methodology which has become a rule even though there are many perspectives.

Determinants of Murabahah Margin Income in Indonesian Islamic Commercial Banks, 2013–2018 Gustianti, Rizky; Andriansyah, Yuli; Masuwd, Mowafg
Unisia Vol. 41 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol41.iss2.art7

This study investigates the factors influencing murabahah margin income in Islamic commercial banks in Indonesia from 2013 to 2018, focusing on the BI Rate, overhead costs, and third-party funds (Dana Pihak Ketiga abbreviated DPK in Bahasa Indonesia). It aims to explore how these variables, individually and collectively, affect murabahah pricing, which is critical for ensuring competitiveness and adherence to Sharia principles in Islamic finance. A quantitative approach was employed, utilizing secondary data from quarterly financial reports of Islamic banks. Multiple linear regression analysis, complemented by classical assumption tests, was used to evaluate the relationships between the independent variables and murabahah margin income. The analysis ensures robust insights into the financial dynamics of Islamic banking. The findings reveal that overhead costs significantly and positively influence murabahah margin income, underscoring the role of operational efficiency in pricing. While the BI Rate demonstrated a positive association with murabahah margins, its effect was statistically insignificant, highlighting the need for alternative Sharia-compliant benchmarks. DPK exhibited a negative but insignificant relationship, suggesting that its liquidity impact on murabahah margins may be indirect and moderated by other factors. The combined analysis showed that these variables significantly influence murabahah margins collectively, with overhead costs being the most dominant determinant. These results emphasize the interplay between macroeconomic indicators and operational strategies in murabahah pricing. They highlight the need for operational efficiency, ethical benchmarks, and innovative deposit mobilization strategies. This study contributes to the broader discourse on Islamic finance, offering actionable insights for improving financial sustainability and aligning practices with Sharia principles.

Jurisprudential Welfare Through the Transformation of the “Rendang-Mu” Qurban Meat Management System Hayati, Mardiyan; Budiman, Mamdukh; Wijaya, Mirza Mahbub; Masuwd, Mowafg
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 20 No. 2: December 2024
Publisher : Fakultas Agama Islam, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v20i2.21842

This study aims to explore the values of benefit from the perspective of Islamic law regarding the transformation of qurban meat management through the Rendang-Mu program within the Lembaga Amil Zakat Infaq Shadaqah Muhammadiyah (LAZISMU) in the Central Java region, Indonesia. The research employed a descriptive qualitative approach. Data collection techniques involved snowball and purposive sampling, with analysis conducted using the maqasid al-Shariah theory by al-Shatibi. The findings indicate that the Rendang-Mu Program represents a transformation in the pattern of meat management and distribution, implementing a system of qurban meat management through canning and packaging with three essential benefits that facilitate and enhance its utility: (1) prolonged consumption and distribution over an extended period, (2) practical, delicious, and nutritious, (3) more evenly distributed reach, (4) high flexibility in achieving community food security, and (5) compliance with Islamic law.

The implementation of the theoretical humanism paradigm in holistic education Primarni, Amie; Masuwd, Mowafg; Makmudi, Makmudi; Fa’atin, Salmah; Nuhdi, Asep
Journal of Research in Instructional Vol. 5 No. 1 (2025): Journal of Research in Instructional
Publisher : Univeritas Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30862/jri.v5i1.601

This article examines the implementation of the theoretical humanism paradigm in holistic education, an approach that integrates human values and divine values. The research question asked is why it uses the paradigm of theoretical humanism to be implemented in holistic education. This research aims to explore the theory, philosophical foundation, and application of holistic education based on theocentric humanism. With the library research method, the results of the study show that the implementation of this paradigm includes the formulation of a curriculum based on divine values, moral reinforcement through reflective practices, the development of spirituality-based critical thinking skills, and the formation of a school culture that supports spiritual and intellectual harmony. This paradigm is also in line with the values of the Qur'an and hadith, which emphasizes morality and belief in the formation of a whole character. The conclusion suggests that this approach provides a solid foundation philosophically and provides practical implications in preparing students for worldly challenges while achieving greater spiritual closeness. This article is expected to contribute to the development of a curriculum based on divine and human values in the context of Islamic education to answer the challenges of modern education.

ORIENTALISM AND ISLAM: A CRITICAL STUDY OF THE RELATIONSHIP BETWEEN PROPHET MUHAMMAD AND THE JEWS AS PRESENTED IN CHAPTER SIX OF MONTGOMERY WATT’SBOOK MUHAMMAD AT MEDINA Masuwd, Mowafg; Ayad, Nahid; Albshkar, Hajer; Alsayd, Abdulnaser
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 16 No 1 (2025): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/alrisalah.v16i1.4494

This research critically examines Montgomery Watt’s views on the Prophet’s biography, particularly his relationship with the Jews, in order to refute the misconceptions raised by Watt and other Orientalists who adopted similar perspectives. The study focuses on a critical analysis of Watt’s interpretations of the Prophet’s relationship with the Jews in Medina through a thorough reading of the sixth chapter of his book. The researchers present and objectively critique a selection of Watt’s views, highlighting the ambiguity and bias in his narrative. The study reveals the author’s lack of objectivity in his depiction of the Prophet’s biography, as he selectively frames events in a way that portrays the Jews as victims of the Arabs and Islam. Furthermore, the research aims to shed light on the intellectual and Orientalist influences that may have shaped Watt’s approach and analysis. يتناول هذا البحث آراء مونتجمري وات في السيرة النبوية خصوصا علاقة الرسول محمد صلى الله عليه وسلم باليهود بالنقد والتمحيص لرد الشبهات التي أثيرت من قبل مونتجمري وات وبعض المستشرقين الآخرين ممن تبنوا أفكارا مشابهة. تركز هذه الدراسة على تحليل نقدي لآراء مونتجمري وات في علاقة الرسول باليهود في المدينة من خلال قراءة متأنية للفصل السادس من كتابه. وقد قام الباحثون بعرض مجموعة من هذه الآراء مع نقدها نقدا موضوعيا يساهم في رفع الغموض وإظهار الموقف العدائي للمؤلف من الإسلام ونبي الإسلام حيث يتبين عدم موضوعية المؤلف في سرده للسيرة النبوي وتناوله إياها بنوع من التحيز والانتقائية ليصور اليهود كضحية للعرب والإسلام. كما تسعى الدراسة إلى تسليط الضوء على التأثيرات الفكرية والاستشراقية التي قد تكون الأساس الذي شكل توجهات وات وتحليله.

Sharia Insurance Controversy: Fatwa Review and Its Development Mahmudin, Mahmudin; Nafi, Muhammad; Masuwd, Mowafg
Waralaba : Journal Of Economics and Business Vol. 2, No. 1 : Waralaba (Januari - Juni 2025)
Publisher : PT. Global Pustaka Imiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61590/waralaba.v1i3.217

Sharia insurance is a solution to the legal dilemma of conventional insurance which is considered to contain elements of gharar and usury. This study examines the concept, legal basis, and criticism of sharia insurance using library research methods. Sharia insurance is based on the principle of mutual assistance (ta'awun) and refers to the fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI). Several relevant fatwas include the provisions of contracts in sharia insurance, such as mudharabah musytarakah, wakalah bil ujrah, and tabarru'. However, sharia insurance still attracts criticism, especially regarding the use of multi-contracts which is considered problematic by some scholars. In addition, there are differences between theoretical concepts and practices in the field, which sometimes deviate from sharia provisions. Nevertheless, sharia insurance continues to develop as an alternative financial protection that is considered in accordance with Islamic values. This study concludes that sharia insurance is acceptable as long as it adheres to sharia principles and DSN-MUI fatwas.

Integrating Al-Ghazali’s Educational Philosophy: Advancing Transformative Learning in Islamic Schools in the Digital Era Husin, Husin; bin Abdul Aziz, Abdul Rashid; Masuwd, Mowafg
SYAMIL: Journal of Islamic Education Vol 13 No 1 (2025): SYAMIL: Journal of Islamic Education
Publisher : Pascasarjana Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/sy.v13i1.10263

This study examines the importance of integrating Al-Ghazali's legacy into modern Islamic education. This study focusing on the concept of meaningful learning and relevant teaching practices. The research aims to analyze how Al-Ghazali's principles can be applied in today's educational context. The methodology employed is library research, involving a review of various relevant literature and sources. The findings reveal that applying Al-Ghazali's teachings can enhance both academic understanding and character development in students, offering a comprehensive approach to modern education.

THE JUSTIFICATION AND IMPLEMENTATION OF FINES ON CAPABLE CUSTOMERS IN ISLAMIC FINANCIAL INSTITUTIONS: A SHARIAH LAW PERSPECTIVE Mustika, Mega; Masuwd, Mowafg; Malik, Ridwan; Hasanuddin, Hasanuddin; Malik, Abdul
Kanun Jurnal Ilmu Hukum Vol 27, No 1: April 2025: Customary Law and development in Indonesia
Publisher : Universitas Syiah Kuala

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

The imposition of fines on financially capable customers who delay installment payments in Islamic financial institutions presents a complex issue that necessitates justification in accordance with Shariah principles. This study examines the application of principles such as justice, legal compliance, and responsibility within the fine policies directed at these customers. It further assesses the degree to which the imposition of fines is accepted across various Islamic financial institutions and explores how existing regulations can be clarified to ensure adherence to Shariah principles. The fatwa issued by the Indonesias National Sharia Council of the Indonesian Ulema Council (DSN-MUI) permits the imposition of fines solely on financially capable customers who intentionally delay their payments. However, a significant challenge persists: the lack of a standardized criterion for identifying capable customers who should justly incur fines, including the specific duration of delinquency required before a fine is applied. Islamic banks fundamentally operate on the profit-sharing principle and do not inherently recognize fines in the same manner as conventional banks. Nevertheless, to mitigate customer negligence and maintain a balance between justice and legal compliance, some Islamic banks incorporate fines into their financing contracts. This practice remains contentious, primarily due to concerns that such fines may resemble riba qardh or riba nasiah, both of which are explicitly prohibited in Islam. This article contributes to the development of standardized guidelines for Islamic banks, facilitating the objective identification of capable customers and the implementation of fines in a manner that aligns with Islamic values.

Co-Authors A.Jauhar Fuad Abd. Rahman Abdul Jabar Abdul Jabar Idharudin Abdul Malik Abdul Mufid Abdulghani, Naser Abdulghani, Naser Ali Abdullah, Mahmoud Abdurahman Abdurrahman Achmadin, Balya Ziaulhaq Adi Wijaya Adrika Fithrotul Aini Agusman, Agusman Ahmad Farih Dzakiy, Ahmad Farih Aisyah Arsyad Aladi, Salem Albshkar, Hajer Albshkar, Hajer Abdallah Alfatani, Ifan Ali Ali Maulida, Ali Alifta, Zeni Alouzi, Khuloud Alriteemi, Abraheem Alrumayh, Safa Alsayd, Abdulnaser Alsayd, Abdulnasir Dhaw Alzletni, Naima Salem Amalia, Anisa Nurul Anggraini, Reni Dwi Arifin, Mohammad Samsul Armyn Hasibuan Aryanti, Yosi Asmar, Mohd. Dimasqi Abandi Asri Karolina, Asri Atulwafiyah, Ati Ayad, Nahid Azizah, Balkis Nur Barkah, Sami Baso Pallawagau Benny Prasetiya Bin Abdul Aziz, Abdul Rashid Busthomi, Yazidul DAULAY, MUHAMMAD ROIHAN Dharmawan, M. Alvin Setia Eko Zulfikar ELIHAMI, ELIHAMI Ending Solehudin Fadhillah, siti Faizal Amin Fauzan . Fa’atin, Salmah Firdausiah, Nuri Fitrayani, Fitrayani Friyadi, Arif Gustianti, Rizky HABIBI, ERFAN Hady, Alya Nafiesa Harisudin, Harisudin Hasan, Laylay Hasanuddin Hasanuddin Hasanuddin, Hasanuddin Hasibuan, Hamdan Hayati, Mardiyan Heni Pujiastuti Hidayat, Moh. Syarif Hisam Ahyani Husin Husin, Husin Husna Nashihin Husna, Fina Mazida Ibrahim, DafaAllah Idzam Fautanu Imam Yahya Indar Wahyuni, Indar Iryansyah, Iryansyah Iskandar Iskandar Januari, Anas Tania Jasri, Jasri Jufri, Masudi Kamal, Fathurahman Kamus kasheem, Majdy Kerwanto Khakim, Ahmad Maulidin Nuril Kirom, Abdul Kirom, Makhi Ulil Ma'mun, Mohamad Mahmudin Mahmudin, Mahmudin Makmudi, Makmudi Mamdukh Budiman Mansyur, Fakhruddin Mardan Masoud, Mohieddin Ma’ruf, Attabik Hasan Mega Mustika MF, Moh Shofiyul Huda Midahayati, Rina Moh Mujibur Rohman Muadib, Ihwanul muflihah muflihah Muhammad Choirin Muhammad Ridwan Muhammad Saleh Mujiburrohman Mukaromah, Kholila Mukarromah, Lu’luil Murni Yanto Mustamin, Siti Walidah Mutholingah, Siti Mutmainah, Naeli Muzaiyana Mu’minin, Nashrul Nafi, Muhammad Naser Ali Abdulghani Nasution, Ismail Fahmi Arrauf Nikmah, Nurlailatul Nisfah, Amirotun Nuhdi, Asep Nur Chotimah, Dien Nurohmah, Siti Nurwahida Nurwahida, Nurwahida Nurwahidin, Pantja Omar, Zaynab Paisun Paisun Putri, Amanda Alifia Rahendra Maya, Rahendra Ridwan Malik Rosyadi, Nabil Rusydi Khalid Sami Barkah Samsuddin Samsuddin Setyaningrum, Vidhy Andika Shalghoum, Najimudin Shodiqi, Fauzan Sodikin, Unang St. Salehah Madjid Sukendar Sukendar Suparto Syahran, Muhammad Syarifah Syarifah Ulum, Moh. Samsul Umi Latifah Uswatun Hasanah Wanto, Deri Wijaya, Mirza Mahbub Yaakob, Mohd Aizul Yahya, Najeeb Yaqin, Muhamaad Ainul Yuli Andriansyah Yulia Tri Samiha Zaenal Abidin Zainuddin, Zainuddin

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