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All Journal TSAQAFAH Proceedings of Annual Conference for Muslim Scholars El-Qist : Journal of Islamic Economics and Business (JIEB) Al-Maqashid: Journal of Economics and Islamic Business JEBI (Jurnal Ekonomi dan Bisnis Islam)
Shahrin, Attori Alfi
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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The Village Industrialization and Civilization: A Critical Reading Shahrin, Attori Alfi; Fawaid, Yazidul; Masruroh, Nikmatul; Umamah, Lidhatul; Dono Hariyanto, Al Furqon
TSAQAFAH Vol. 19 No. 2 (2023): Tsaqafah Jurnal Peradaban Islam
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v19i2.9354

Abstract

This study case aims, 1) to explore the trend of industrialization in Indonesia, especially in villages areas, 2) to criticize industrialization in villages areas using environmental sustainability studies, 3) to analysis and studies till related to village industrialization from the perspective of maqashid sharia. This analysis goal was achieved by using a qualitative approach with the type of digital and industrial village case studies in the East Java region. Data were collected by observation, interviews, documentation and FGD then analyzed using critical analysis. Data validity uses source triangulation. The research results, 1) the trend of industrialization in villages areas has a positive impact on economic growth, but has changed the rural structure from agrarian to industrial and digital villages. 2) Industrialization in villages areas is contrary to the concept of environmental sustainability, 3) Village industrialization from maqashid shariah studies provides benefits from the perspective of hifdz an nafs, hifdz al 'aql,  hifdz al mal and hifdz al bi’ah. However, from the point of view of hifdz ad din and hifdz al nasl, it cannot be categorized as mashlahah, because the presence of village industrialization besides having an impact on environmental damage can also result in moral degradation.
SUSTAINABLE FINANCIAL LITERACY POLICY IN BREAKING THE CHAIN OF DEBT AND RECEIVABLES IN HOUSEHOLDS FADLI, AHMAD; MASRUROH, NIKMATUL; FAWAID, YAZIDUL; SHAHRIN, ATTORI ALFI
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 9, No 2 (2024): Juli - Desember 2024
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v9i2.1490

Abstract

The purpose of this research, firstly; explore the practices of accounts payable and receivable that occur in households, secondly; the formulation a sustainable financial literacy policy through digital applications and cooperative innovation and changing "titil" banks into sharia-based "installment" banks. The method used in writing this work is literature review and netnography. This approach is used to explore data via the internet from various conversations on social media as well as observing phenomena that occur in society related to debt and receivable transactions. Data was obtained through library or literature studies. Data analysis uses interpretive analysis to interpret data related to policies in carrying out continued financial literacy. Main findings in this research, namely, there are various types of debt practices in Indonesian households, there are models of debt to bank and non-bank financial institutions, there are models of debt to banks "titil", models of debt to loan sharks, models of debt via online applications (pinjol), debt to fellow neighbors, debt through cooperatives, debt by participating in social gatherings and so on. Various variations of debt models exist in Indonesian households. The way to overcome this is by presenting an application-based literacy policy. So, you can prevent debts from piling up further.
Literasi Keuangan Nasabah terhadap Pemahaman Sistem Pembiayaan Pegadaian Syariah di Indonesia Shahrin, Attori Alfi; Ar Rozi, Habib Aziz; Lutfi, Mukhtar; K, Amiruddin
Al-Maqashid: Journal of Economics and Islamic Business Vol. 5 No. 1 (2025): April: Al Maqashid Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/maqashid.v5i1.1597

Abstract

This research aims to analyze the relationship between customer financial literacy and understanding of the financing system implemented at Sharia Pegadaian in Indonesia. Financial literacy, which includes knowledge, skills and attitudes towards financial management, plays an important role in supporting wise financial decision making, especially in the context of Islamic financial services. This study uses library research. The research results show that customers' financial literacy levels still vary, with several main obstacles such as a lack of understanding of sharia contracts and sharia-based financing mechanisms. Statistical analysis shows a significant positive relationship between financial literacy and understanding of the sharia financing system. These findings emphasize the importance of structured educational efforts to increase financial literacy, especially among people who have not been optimally served by formal financial institutions.
Green House and Ḥalāl Budget Allocation for Sustainable Household Finance Realization Masruroh, Nikmatul; Fadli, Ahmad; Shahrin, Attori Alfi; Fawaid, Yazidul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 2 (2023): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.2.100-118

Abstract

This study explores the formulation of sustainable household financial management through the integration of Green House practices and ḥalāl budget allocation, grounded in Ibn Khaldūn’s social change theory. Employing a qualitative library research method supported by secondary data from national statistics and field observations in Indonesian villages, the study finds that conventional household consumption patterns—driven by overconsumption and digital spending habits—have contributed to both environmental degradation and financial instability. The proposed model promotes financial planning that balances consumption, saving, investment, and charitable giving (zakāh, infāq, ṣadaqah), while integrating eco-conscious practices such as waste banks, Sustainable Food House Areas (KRPL), and Climate Resilient Integrated Service Posts (Postaklim). This research contributes to global Islamic finance and sustainability literature by introducing a maqāṣid al-sharī‘ah-aligned household finance framework that operationalizes ethical budgeting and environmental stewardship. It offers a novel interdisciplinary perspective by combining green economy principles with Islamic economic ethics to promote long-term household financial resilience. The model may serve as a benchmark for international studies aiming to develop culturally contextualized frameworks for sustainable finance at the microeconomic level. Future research could apply this model across diverse socio-economic and cultural settings or test its impact quantitatively on household welfare and environmental outcomes.
Kontestasi Agama, Pasar dan Negara dalam Membangkitkan Daya Saing Ekonomi Umat melalui Sertifikasi Halal Masruroh, Nikmatul; Shahrin, Attori Alfi
Proceedings of Annual Conference for Muslim Scholars Vol 6 No 1 (2022): AnCoMS, APRIL 2022
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v6i1.430

Abstract

This paper purposes are firsly; describe the presence of the obligation of halal certification for the economy of the people. The second, to analyze the effectiveness of halal certification obligations for business actors in increasing the competitiveness of their products in the markets. The third,to analyze the positioning pattern of halal certification in the contestation of religion, market and state. These purposes were reviewed using literature review and case studies. The collecting data with observations, interviews, document review. Data were also obtained from internet sources and previous studies. The data is analyzed using the level of business competition effectiveness and critical analysis related to the contestation of religion, market and state by requiring halal certification for all entrepreneurs. The results of this study, firstly, the obligation of halal certification is present as a form of security and consumer protection from various forms of products that cannot be responsibility. Second, the level of effectiveness of halal certification for business competition of business owners depends on the market segmentation. If the target market is the national and international market, halal certification was effective in increasing market competitiveness. However, the local segmentation of halal certification has not been efficient in the process, thus denying its effectiveness. Third; halal which became the study of religion turned into a study of the market and the state, so that market contestation became dominant and led to repression by the state. Thus, the positioning of halal certification is no longer a religious study, but has turned into a market and state study.
Co-Authors Ahmad Fadli Ar Rozi, Habib Aziz Dono Hariyanto, Al Furqon Fawaid, Yazidul K, Amiruddin Lutfi, Mukhtar Masruroh, Nikmatul Umamah, Lidhatul