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Maqashid Syariah Sebagai Landasan Pengembangan Produk Perbankan Syariah Mifta Hasda; Mohd Winario; Rahmawati Rahmawati
Sharing: Journal of Islamic Economics Management and Business Vol. 5 No. 2 (2026): Juni, 2026
Publisher : Program Studi Ekonomi Syariah Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sharing.v5i2.59480

Abstract

The  development of the Islamic banking industry in Indonesia is currently dominated by a formal sharia compliance approach on the legality of contracts, but has not been fully and systematically integrated with the substantive values of maqashid sharia. This study aims to identify the types and characteristics of Islamic banking products, examine the principles of maqashid sharia as a foundation for product development, and analyze the implementation of maqashid sharia within the operational schemes of Islamic banking products. Utilizing a qualitative approach with a library research method and content analysis technique, data were gathered from various academic literatures, regulations, and authoritative fatwas. The results indicate that Islamic banking products—categorized into funding, financing, and financial services—have implemented the five core pillars of preservation (al-kulliyat al-khamsah). This actualization is reflected in: (1) hifdz al-din through the elimination of riba, gharar, maysir, and the integration of ZISWAF; (2) hifdz al-nafs through the mutualism principle in contracts and sharia insurance risk mitigation; (3) hifdz al-’aql through product information disclosure and financial education; (4) hifdz al-nasl through the provision of future family financial planning products; and (5) hifdz al-mal through optimizing intermediation functions in halal real sectors and accountable risk management. This study concludes that maqashid sharia parameters must be established as primary indicators for product achievement and evaluation to realize sustainable welfare (maslahah) and distributive justice substantively for society.
Implementasi Fiqh Muamalah Dalam Hukum Ekonomi Syariah Pada Transaksi Modern Nala Amalia; Mohd Winario; Rahmawati Rahmawati; Yudi Irwan
Journal of Economic, Management, Business, Accounting Sustainability Vol. 3 No. 2 (2026): Mei 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v3i2.500

Abstract

This study aims to analyze the implementation of Islamic jurisprudence (fiqh muamalah) within Islamic economic law in modern transactions and to examine the relevance of Islamic principles to the development of the contemporary economic system. Technological developments and the digitalization of the economy have given rise to various forms of modern transactions, such as e-commerce, fintech, digital wallets, and online investments, which require Islamic legal studies to ensure their compliance with Islamic principles. This study employed a qualitative research method with a library research approach. Data were obtained from the Quran, hadith, books, scientific journals, fatwas from the National Council of Islamic Scholars (DSN-MUI), and various other literature related to Islamic jurisprudence (fiqh muamalah) and Islamic economic law. Data analysis was conducted using a descriptive-analytical technique, examining the concepts, principles, and implementation of Islamic jurisprudence (fiqh muamalah) in modern transactions. The results show that Islamic jurisprudence (fiqh muamalah) has the flexibility to address modern economic developments as long as the transactions do not contain elements of usury (riba), gharar (gharar), maysir (gambling), and harmful practices. The implementation of Islamic principles in modern transactions can create a more just, transparent, and socially beneficial economic system.
Analisis Audit Siklus Investasi Pada Perbankan Syariah Dalam Perspektif Kepatuhan Dan Pengendalian Internal Syafnur Muhammad Rizki; Mohd Winario
Journal of Economic, Management, Business, Accounting Sustainability Vol. 3 No. 2 (2026): Mei 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v3i2.501

Abstract

Analisis Audit Siklus Investasi Pada Perbankan Syariah Dalam Perspektif Kepatuhan Dan Pengendalian Internal
Enhancing Islamic Economic Literacy through Dhuafa Mart: Community-Based Empowerment for Local Communities Muhammad Syaipudin; Mifta Hasda; Hidayat Hidayat; Mohd Winario
Journal of Community Service and Empowerment Vol. 2 No. 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jcse.v2i1.77

Abstract

Islamic economic literacy is an important factor in supporting the development of the Islamic economy at the community level. However, public understanding of Islamic economic concepts and practices remains limited, particularly among local communities directly involved in economic activities. This community service program aimed to enhance Islamic economic literacy by strengthening the role of Dhuafa Mart Air Tiris Kampar as a medium for education and community empowerment. The program employed needs identification, presentations, interactive discussions, question-and-answer sessions, and practical examples of implementing Islamic economic principles in daily business activities. The materials covered the contribution of Dhuafa Mart in promoting Islamic economics, Islamic principles of wealth acquisition, consumption and distribution, the application of business ethics based on Hadith, and Islamic financial planning. The results indicated that participants, consisting of Dhuafa Mart managers and employees, actively engaged in the program and demonstrated improved understanding of Islamic economic principles and their application in business management. Furthermore, the program strengthened the role of Dhuafa Mart as an educational platform capable of promoting Islamic economic values in a practical and sustainable manner. Therefore, this initiative contributes to improving
Education on Saving and Transactions in Accordance with Sharia Principles for Students and the Community Suci Mardiyah; Saru Reza; Hidayat Hidayat; Mohd Winario
Journal of Community Service and Empowerment Vol. 2 No. 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jcse.v2i1.79

Abstract

Sharia financial literacy is a crucial aspect in developing healthy financial behavior in accordance with Islamic values. However, the level of public and student understanding of the concept of saving and transactions based on Sharia principles still needs to be improved. This community service activity aims to increase the knowledge, understanding, and awareness of students and the community regarding the importance of saving and transactions in accordance with Sharia principles. The activity was implemented through a participatory approach, encompassing preparation, educational outreach, interactive discussions, practical simulations, evaluation, and follow-up. The material presented covered the basic concepts of Sharia banking, the importance of saving, Sharia savings products, and the application of Sharia principles in daily financial transactions. The results of the activity showed an increase in participants' understanding of the differences between Sharia and conventional banks, the concept of profit-sharing, and the importance of avoiding transactions containing elements of riba, gharar, and maysir. Furthermore, participants demonstrated high enthusiasm throughout the activity and were more motivated to adopt savings habits and use Sharia financial services. This activity makes a positive contribution to increasing Islamic financial literacy and inclusion and encourages wiser, more responsible financial behavior that aligns with Islamic principles.
Penguatan Literasi Keuangan Syariah Bagi Santri Di Pondok Pesantren Madrasah Tarbiyah Islamiyah (PPMTI) Kabupaten Kampar Muhammad Zakir; Rahmawati Rahmawati; Mohd Winario; Rifqil Khairi; Hairullah Efendi; Nur Amelia
Journal of Community Sustainability Vol. 3 No. 2 (2026): Juni 2026
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v3i2.521

Abstract

This community service activity was conducted at the Air Tiris Islamic Boarding School (PPMTI) in Kampar Regency, targeting students currently studying. The activity, themed "Strengthening Sharia Financial Literacy for Students at PPMTI in Kampar Regency," aimed to increase students' knowledge of sharia financial concepts in accordance with Islamic principles. The results of the activity showed an increase in students' understanding of sharia-compliant economic transactions after participating in the counseling. Prior to the activity, most participants had a limited understanding of the difference between sharia-compliant transactions and those containing riba (usury). Through the presentation of material, interactive discussions, and case studies relevant to everyday life, students gained a better understanding of the principles of justice, honesty, and welfare in economic activities. The counseling also succeeded in raising students' awareness to avoid riba practices and to be more selective in choosing sharia-compliant transactions. The enthusiasm of the participants throughout the activity demonstrated that the counseling was effective in improving sharia-compliant financial literacy within the Islamic boarding school environment.
Literasi Keuangan Syariah Di SMPN 2 Kec. Bangkinang Kota Zubaidah Assyifa; Mohd Winario; Wahyu Febri Ramadhan Sudirman; Nala Amalia; Nur Amelia
Journal of Community Sustainability Vol. 3 No. 2 (2026): Juni 2026
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v3i2.524

Abstract

This community service activity was conducted at SMP Negeri 2 Bangkinang Kota, Kampar Regency, Riau Province. This activity aims to socialize basic knowledge about Islamic economics to students from an early age so that they have a good understanding of Islamic economic principles in everyday life. The material presented covered the basic concepts of Islamic economics, the importance of avoiding usury practices, and the application of the values ​​of justice and honesty in economic activities. The results of the activity indicate that the implementation of the community service went well and achieved the set targets. This success was evident in the achievement of the planned number of participants, the achievement of the activity objectives, the delivery of all materials according to plan, and the increased ability of participants to understand the material presented. Furthermore, participant enthusiasm throughout the activity was also very high. This was evident from the active participation of students in the discussion and question and answer sessions. The level of participant satisfaction was also quite good, as evidenced by their ability to answer the questions posed. This activity provided benefits in the form of increased student knowledge and understanding of Islamic economic principles and their application.
Co-Authors Adityawarman Hidayat Aisyah, Puji Nur Akhdan, Mulki Amalia, Nala AMELIA, NUR Aminin, Risti Andini, Bunga Anggiani, Mei Dinda Arif Mudi Priyatno Ayu Pani Berliana Putri Berliana Putri Budi Trianto Bustanur, Bustanur Candra, Filtra Dedi Sumanto Delia, Dwi Anisa Despira, Despira Dian Novita Dian Pratiwi Dianti, Ratna Diany Mairiza Dinata, Shidiq Ramdan Dwi Widiarsih Emilia Susanti Emilia Susanti Faris, Naufal Firmananda, Fahmi Iqbal Fitriyana, Rinda Hairullah Efendi Harahap, Ahmad Muda Harahap, Ahmad Rofi'i HARAHAP, ISMAIL Hasgimianti Hasgimianti Hasgimianti, Hasgimianti Hendri K, Hendri Heni Pujiastuti Henry Martin Adriansyah Hidayat Hidayat Hidayat Hidayat Hidayati, Qonita Hidayatullah, Iqbal Husni Fuaddi I. Irawati Irawati Irawati Irawati Irawati Irawati Irawati Irmawanti, Irmawanti IRWAN, YUDI Jati, Putri Zulia Jenari, Felisa Juliana Yulianti Kamalin, Muhammad Kasman Ediputra, Kasman Khairunisa, Madona KHAIRUNISA, MADONA Larasati, Febrina Putri Lismawati, Lismawati Lubis, Haniah M. Zaim Maini, Nur Mardiyah, Suci Merry Meilany Mifta Hasda Miza, Rauzatul Mizan Asnawi, Mizan Muhammad Afif Muhammad Mardiansyah Muhammad Syaipudin Muhammad Zakir Muhammad Zakir Munthe, Marabona Nala Amalia Nala Amalia Nala Amelia Nilam Erman Nining Suniarti Nongliasma, Nongliasma Novriavani Novriavani Nur Amelia Nur Amelia NUR HASANAH Nurhamidah, Eva Nurmaini Nurmaini PAISAL PAISAL Putra, Aroiyan Faiz Putri, Alfira Huriyah Putri, Berliana Putri, Elen Sri Ega Putri, Ramanitya Dewi Rafiqoh, Lailan Rahmawati Rahmawati Rahmawati, Rahmawati Rahmayani, Wahyu Rantisi, Muhammad Agil Ridwan, M Sulaiman Rifqil Khairi Rinaldi Rinaldi Rinda Fithriyana Rizky, Syafnur M Rohmannudin, Rohmannudin Saputra, Rio Panji Sari, Efti Novita Sarini, Elfi Saru Reza Simbolon, Muhammad Iran Sisda, Tiara Melfia Siti Fitriyah Suci Mardiyah Suhayanti, Suhayanti Sunelti, Detri Syafnur Muhammad Rizki Syahfitra, Nofri Ramadhani Syam, Zulkharil Hadi Syamsiar, Syamsiar Tanjung, Lailatul Syifa Taufik Taufik Tiara Aninditha Tutia Saputri Wahyu Febri Ramadhan Sudirman Yasra, Dewi Yoly, Zafia Sarina Yudi Irwan Yuliani Yuliani Z, Rafida Zubaidah Assyifa ZULFAN EPENDI