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All Journal Jurnal Penelitian Saintek MALIA El-Qist : Journal of Islamic Economics and Business (JIEB) Jurnal Iqtisaduna Al-Muzdahir: Jurnal Ekonomi Syariah JAWI : Journal of Ahkam Wa Iqtishad Opportunity Jurnal Penelitian dan Pengabdian Masyarakat
Arum, Hafidza Sanshia
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Rancangan penilaian dan peningkatan indek keberlanjutan pada pengembangan bioenergi kelapa sawit untuk kelistrikan Rinaldi, Afdhol; Safaat Harahap, Nazruddin; Putri, Nadia Sandi; Fahroha, Fani Afrida; Afifah, Dhiya Dwi; Arum, Hafidza Sanshia
Jurnal Penelitian Saintek Vol 29, No 2 (2024)
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jps.v1i2.77759

Abstract

Penelitian ini mengkaji aspek lingkungan, sosial, dan ekonomi, termasuk emisi gas rumah kaca, kualitas tanah, dan perubahan pendapatan. Studi ini menggunakan Fuzzy AHP dan MDS untuk menilai keberlanjutan, yang menunjukkan pembangunan yang cukup berkelanjutan dengan skor 56,14%. Temuan utama menyoroti lima atribut sensitif yang mempengaruhi keberlanjutan, dan skor 56,41% untuk PKS Terantam menunjukkan keberlanjutan yang cukup baik. Rekomendasi yang diberikan antara lain adalah memperluas penilaian ke pabrik-pabrik lain, mendorong konversi bioenergi menjadi listrik, dan mengadopsi pendekatan holistik untuk keberlanjutan jangka panjang dalam pengembangan kelapa sawit di Riau.Kata Kunci: kelapa sawit, keberlanjutan bioenergi, dampak lingkungan, implikasi sosial, aspek ekonomi Plan for assessment and improvement of the sustainability index in the development of palm bioenergy for electricity Abstract: This study examines environmental, social, and economic aspects, including GHG emissions, soil quality, and income changes. The study utilizes Fuzzy AHP and MDS to assess sustainability, revealing a moderately sustainable development with a score of 56.14%. Key f i ndings highlight fi ve sensitive attributes aff ecting sustainability, and a score of 56.41% for PKS Terantam suggests reasonable sustainability. Recommendations include extending assessments to other mills, promoting bioenergy conversion into electricity, and adopting a holistic approach to long-term sustainability in palm oil development in Riau. Keywords: palm oil, bioenergy sustainability, environmental impact, social implications, economic aspects
EFEKTIVITAS ETIKA BISNIS ISLAM DALAM MEMBANGUN KEPERCAYAAN DI ERA EKONOMI DIGITAL DALAM PERSPEKTIF SEJARAH ISLAM Arum, Hafidza Sanshia; Azzaki, Adnan
Opportunity Jurnal Penelitian dan Pengabdian Masyarakat Vol 2 No 2 (2024): Opportunity Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Pesantren Sunan Drajat Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ojppm.v2i2.1378

Abstract

The phenomenon crisis of trust in today's digital economy is increasingly surfacing due to lack of transparency, data manipulation, and unethical business practices, especially in the e-commerce and fintech sectors. This research aims to explore the relevance and applicability of the principles of Islamic business ethics-honesty, fairness, justice, and equity. principles-honesty, fairness, social responsibility, and the prohibition of usury-as a solution to build trust in global digital business. solution to building trust in global digital business. The method used is a descriptive qualitative approach through literature review and content analysis to identify how Islamic ethical values content analysis to identify how Islamic ethical values can be implemented in the digital business environment. The research results show that the principles of honesty and transparency are very important to increase consumer consumer trust, especially in the delivery of product information and protection of personal data. Corporate social responsibility implementation has proven to be able to strengthen reputation and provide tangible benefits to society. society. In addition, the prohibition of usury is an important foundation in creating economic justice in Islamic fintech business models. creating economic justice in the sharia fintech business model that prioritizes profit-sharing schemes. business model that prioritizes profit-sharing schemes. This research recommends the principles of principles of Islamic business ethics as a strong foundation to face the ethical challenges and trust crisis in the digital era. ethical challenges and crisis of trust in the digital era.
Larangan Riba dalam Hadits di Era Digital Arum, Hafidza Sanshia; Muzan, Amrul
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.v10i2.52720

Abstract

This study discusses the relevance of the prohibition of usury in the hadith in the digital era, focusing on the application of sharia principles in modern financial technologies such as fintech, cryptocurrency, and online lending. The purpose of the study is to explore the concept of usury in the hadith and identify its implications for the contemporary digital financial system. This research uses a qualitative method with a descriptive-analytical approach. Data collection was conducted through library research, using primary sources in the form of relevant hadith texts and secondary sources such as journal articles and books. The data were analyzed using a thematic approach to identify the relevance of the prohibition of usury in digital financial transactions. The results show that although digital financial technology offers wider financial inclusion, some financial products still have the potential to involve usury practices. The implications of this study include the need for stricter regulations, development of sharia-based fintech products, and improvement of public financial literacy. Thus, the prohibition of usury in the hadith remains relevant as a guide in facing the challenges of modern financial technology in order to achieve economic justice in accordance with sharia principles.
Waste and Overconsumption in Modern Finance: an Analysis of Qs Values. Al-Isra: 26-27 Arum, Hafidza Sanshia; Mawardi, Mawardi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i1.1375

Abstract

Excessive consumption and wastefulness have become critical issues in modern finance, especially in the digital era that facilitates consumerist behavior through online shopping and easy access to credit. This article explores the impact of consumerist lifestyles on individual and global economic stability and its relevance to the Islamic prohibition of wastefulness as stated in QS. Al-Isra: 26-27. This study employs a qualitative descriptive approach using thematic exegesis to analyze the concept of israf in the Qur'an. Findings reveal that consumerist behaviors, such as impulsive buying and consumer debt, harm financial stability and psychological well-being while exacerbating social inequality. QS. Al-Isra: 26-27 offers moral guidance on prudent financial management, avoiding wastefulness, and prioritizing social responsibility. This article emphasizes the importance of Islamic finance education, the use of Islamic financial technology, and the application of maqasid shariah principles to establish a sustainable economic system. Hence, Islamic values can serve as an effective solution to address the challenges of consumerist lifestyles in the modern era.
Waste and Overconsumption in Modern Finance: an Analysis of Qs Values. Al-Isra: 26-27 Arum, Hafidza Sanshia; Mawardi, Mawardi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i1.1375

Abstract

Excessive consumption and wastefulness have become critical issues in modern finance, especially in the digital era that facilitates consumerist behavior through online shopping and easy access to credit. This article explores the impact of consumerist lifestyles on individual and global economic stability and its relevance to the Islamic prohibition of wastefulness as stated in QS. Al-Isra: 26-27. This study employs a qualitative descriptive approach using thematic exegesis to analyze the concept of israf in the Qur'an. Findings reveal that consumerist behaviors, such as impulsive buying and consumer debt, harm financial stability and psychological well-being while exacerbating social inequality. QS. Al-Isra: 26-27 offers moral guidance on prudent financial management, avoiding wastefulness, and prioritizing social responsibility. This article emphasizes the importance of Islamic finance education, the use of Islamic financial technology, and the application of maqasid shariah principles to establish a sustainable economic system. Hence, Islamic values can serve as an effective solution to address the challenges of consumerist lifestyles in the modern era.
Distribusi Kekayaan dalam Islam: Tinjauan Al-Qur'an atas Solusi Ketimpangan Ekonomi Global Tasriani, Tasriani; Afifah, Dhiya Dwi; Arum, Hafidza Sanshia; Ritonga, Iskandar; Nurhayati, Nurhayati
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 14 No. 2 (2024): 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.2024.14.2.167-184

Abstract

This study critically examines Qur'anic principles of wealth distribution as a potential solution to global economic inequality. Employing a qualitative, thematic tafsir-based analysis of selected Qur'anic verses, the research reveals that Islamic instruments such as zakat, infaq, sadaqah, and waqf (ZISWAF) offer a comprehensive and morally grounded framework for addressing structural poverty and socio-economic disparities. Rooted in the maqāṣid sharī‘ah paradigm, these mechanisms aim to ensure social justice by mandating ethical wealth circulation, protecting essential human rights, and countering the concentration of resources among economic elites. Despite their transformative potential, the implementation of these instruments in modern contexts faces challenges, including limited institutional transparency, fragmented regulation, and low public participation. This study contributes to global academic discourse by demonstrating how Qur'anic economic ethics can inform inclusive fiscal policies and sustainable development models. It recommends policy reforms integrating digital financial technologies, standardized zakat-wakaf governance, and stronger state–Islamic institution collaboration. Future research is encouraged to expand empirical evaluations of Islamic wealth redistribution mechanisms in diverse socio-economic contexts and to compare their effectiveness against conventional capitalist systems.   Penelitian ini mengkaji secara kritis prinsip-prinsip distribusi kekayaan dalam Al-Qur'an sebagai solusi potensial terhadap ketimpangan ekonomi global. Dengan menggunakan pendekatan kualitatif melalui analisis tafsir tematik terhadap ayat-ayat Al-Qur'an yang relevan, studi ini menunjukkan bahwa instrumen Islam seperti zakat, infak, sedekah, dan wakaf (ZISWAF) menawarkan kerangka kerja yang komprehensif dan berlandaskan moral untuk mengatasi kemiskinan struktural dan kesenjangan sosial-ekonomi. Berakar pada paradigma maqāṣid sharī‘ah, mekanisme ini bertujuan mewujudkan keadilan sosial melalui sirkulasi kekayaan yang etis, perlindungan hak-hak dasar manusia, serta pencegahan konsentrasi sumber daya pada elit ekonomi. Meskipun memiliki potensi transformatif, implementasi instrumen-instrumen tersebut dalam konteks kontemporer masih menghadapi tantangan, seperti rendahnya transparansi kelembagaan, regulasi yang belum terintegrasi, dan partisipasi masyarakat yang terbatas. Penelitian ini memberikan kontribusi pada wacana akademik global dengan menunjukkan bagaimana etika ekonomi Al-Qur'an dapat menginspirasi kebijakan fiskal inklusif dan model pembangunan berkelanjutan. Reformasi kebijakan yang disarankan mencakup integrasi teknologi keuangan digital, standarisasi tata kelola zakat-wakaf, serta penguatan kolaborasi antara negara dan institusi Islam. Penelitian selanjutnya direkomendasikan untuk memperluas evaluasi empiris atas mekanisme distribusi kekayaan Islam di berbagai konteks sosial ekonomi, serta membandingkan efektivitasnya dengan sistem kapitalisme konvensional.
Maqasid Sharia As A Philosophical Foundation In Islamic Economic Policy Making Arum, Hafidza Sanshia; Rupita, Nanda Ega; Syahpawi; Muhammad Albahi
MALIA: Jurnal Ekonomi Islam Vol 16 No 1 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i1.5798

Abstract

Introduction: The application of Sharia economics often focuses on aspects of formal legality, ignoring the social and desire dimensions. This challenge makes the Sharia principles less optimal for creating benefits. Globalisation adds pressure to innovation, but Maqasid Sharia offers a holistic framework for material and spiritual balance. Methods: Using the literature study method, this study examines the theory and application of Maqasid Sharia which includes the protection of religion, soul, intellect, heredity, and property in economic policy Results: The results show that, although Maqasid Syariah provides a comprehensive framework, the main challenges in its implementation are an overly legalistic approach and a lack of innovation in Islamic financial products. Conclusion and suggestion: Maqasid Syariah as the foundation of syariah economy provides strategic guidance for fair, inclusive, and sustainable policies with Five main elements: religion, soul, intellect, heredity, and wealth. Despite being able to address global challenges such as social inequality and climate change, its implementation faces obstacles such as the dominance of a legalistic approach, lack of innovation, and lack of regulation and infrastructure. Recommendations include the integration of Maqasid values in policy, strengthening regulation, developing Sharia financial technology, redistribution of wealth through zakat and waqf, and innovative products such as green sukuk. The synergy between government, private, and historians is necessary for effective implementation.
The Marginalized Maqasid al-Shariah Problems of Profit Orientation in Indonesia's Islamic Financial System Arum, Hafidza Sanshia; Andrini, Rozi
MALIA: Jurnal Ekonomi Islam Vol 16 No 2 (2025)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i2.6244

Abstract

Introduction: This study addresses the growing concern over the marginalization of maqasid al-shariah the ethical and social objectives of Islamic law in Indonesia’s Islamic financial institutions (IFIs). Despite notable growth in assets and institutional presence, many IFIs remain fixated on profit-maximization, often replicating conventional banking models and neglecting the core values of Islamic economics such as justice, welfare, and human dignity. Methods: This research employs a qualitative-descriptive approach using a normative-philosophical method. Data were collected through document and content analysis of Islamic financial regulations, fatwas, academic publications, and policy papers. The study also applies triangulation to enhance data validity and reliability.. Results: Findings indicate that profit orientation dominates Islamic banking operations in Indonesia, with little institutional incentive to implement maqasid-aligned policies. Regulatory indicators such as ROA and CAR fail to reflect social objectives, and maqasid literacy among practitioners remains low. These gaps have contributed to reduced social impact, especially among lower-income groups who are central to maqasid values. Conclusion and suggestion: The study recommends the integration of a Maqasid Shariah Index (MSI) into regulatory evaluation tools, development of socially-oriented products such as qard hasan and productive waqf, and mandatory maqasid education for IFI leadership. These steps aim to create a more balanced, ethical, and socially inclusive Islamic financial ecosystem in Indonesia.
EFEKTIVITAS ETIKA BISNIS ISLAM DALAM MEMBANGUN KEPERCAYAAN DI ERA EKONOMI DIGITAL DALAM PERSPEKTIF SEJARAH ISLAM Arum, Hafidza Sanshia; Azzaki, Adnan
Opportunity Jurnal Penelitian dan Pengabdian Masyarakat Vol 2 No 2 (2024): Opportunity Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Pesantren Sunan Drajat Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ojppm.v2i2.1378

Abstract

The phenomenon crisis of trust in today's digital economy is increasingly surfacing due to lack of transparency, data manipulation, and unethical business practices, especially in the e-commerce and fintech sectors. This research aims to explore the relevance and applicability of the principles of Islamic business ethics-honesty, fairness, justice, and equity. principles-honesty, fairness, social responsibility, and the prohibition of usury-as a solution to build trust in global digital business. solution to building trust in global digital business. The method used is a descriptive qualitative approach through literature review and content analysis to identify how Islamic ethical values content analysis to identify how Islamic ethical values can be implemented in the digital business environment. The research results show that the principles of honesty and transparency are very important to increase consumer consumer trust, especially in the delivery of product information and protection of personal data. Corporate social responsibility implementation has proven to be able to strengthen reputation and provide tangible benefits to society. society. In addition, the prohibition of usury is an important foundation in creating economic justice in Islamic fintech business models. creating economic justice in the sharia fintech business model that prioritizes profit-sharing schemes. business model that prioritizes profit-sharing schemes. This research recommends the principles of principles of Islamic business ethics as a strong foundation to face the ethical challenges and trust crisis in the digital era. ethical challenges and crisis of trust in the digital era.
Unemployment Dynamics in Indonesia: A Statistical Review and Policy Implications in Sharia Economic Perspectives Juita, Risa; Arum, Hafidza Sanshia
JAWI : Journal of Ahkam Wa Iqtishad Vol. 3 No. 1 (2025): JAWI - MARET
Publisher : MUI Kota Pekanbaru

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

Abstract

This study analyzes the open unemployment rate (OUR) in Indonesia as of August 2024 by using official data published by the Central Statistics Agency (BPS). The national OUR stood at 4.91%, with approximately 7.48 million unemployed individuals from a workforce of 152.11 million people. Regional disparities remain apparent, especially in West Java with a higher OUR of 6.75%. Factors influencing unemployment include education quality, regional minimum wages, inflation, and unequal investment distribution. From a sharia economic perspective, unemployment is not only an economic issue but also a matter of social justice and moral responsibility. Islam emphasizes work as a form of worship and the foundation of community welfare. Therefore, this study highlights the relevance of integrated and inclusive employment policies—emphasizing skills development, just wage systems, and equitable access to employment opportunities—while promoting the potential of Islamic social finance instruments such as productive zakat, cash waqf, and qardhul hasan. The findings are expected to serve as a valuable reference for policymakers to design sustainable, fair, and faith-aligned strategies for reducing unemployment and improving labor quality in Indonesia.
Co-Authors Adel, Ichsanul Reihan Afdhol Rinaldi Afifah, Dhiya Dwi ANDRINI, ROZI Azzaki, Adnan Fahroha, Fani Afrida Iskandar Ritonga Jayawarsa, A.A. Ketut Juita, Risa Mahyarni Muhammad Albahi Muzan, Amrul Nurhayati Nurhayati Putri, Nadia Sandi Raden Mohamad Herdian Bhakti Rupita, Nanda Ega Syahpawi Tasriani Tasriani