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All Journal IQTISHODUNA Al-'Adalah Jurnal Ekonomi Modernisasi Jurnal Teknik Pengairan: Journal of Water Resources Engineering Perisai : Islamic Banking and Finance Journal Jurnal Riset Pendidikan Ekonomi At-Tafkir IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam International Journal of Zakat (IJAZ) El-kahfi : Journal of Islamic economics Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Al-Khidmah Jurnal Pengabdian Masyarakat Jurnal Pengabdian pada Masyarakat Ilmu Pengetahuan dan Teknologi Terintegrasi Jurnal Ekonomi Syariah dan Bisnis Journal of Social And Economics Research Jurnal Publikasi Ilmu Komputer dan Multimedia Al-Istinbath: Jurnal Hukum Islam Jurnal Pengabdian UMKM journal of social and economic research International Journal of Islamic Finance (IJIF) Jurnal Ilmiah Manajemen Dan Kewirausahaan Journal of Literature Review
Qomarul Huda
Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung, Indonesia
Religion Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Penerapan Budgeting Syariah dalam Mendorong Efektivitas Usaha Mikro Kecil Menengah Sari, Citra Mulya; Huda, Qomarul; Tegar, Tegar
Al-Khidmah Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2025): JANUARI-APRIL
Publisher : Institute for Research and Community Service (LPPM) of the Islamic University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jak.v5i1.3906

Abstract

Proper budgeting plays a crucial role in enhancing the efficiency and sustainability of Micro, Small, and Medium Enterprises (MSMEs). However, many MSME entrepreneurs face challenges in planning and managing their business budgets according to sharia principles. The main obstacles include a lack of understanding of sharia budgeting concepts, which emphasize transparency, fairness, and financial management free from riba, gharar, and maysir. This community service aims to explore the effectiveness of implementing sharia budgeting in improving the financial management of MSMEs. Community service activities carried out include training and mentoring for MSME actors in Sumbergempol, Tulungagung, through the ABCD (Asset Based Community Development) approach with techniques for conducting counseling, focus group discussions, training and mentoring. This community service aims to explore the effectiveness of implementing sharia budgeting in improving the financial management of MSMEs. Community service activities carried out include training and mentoring for MSME actors in Sumbergempol, Tulungagung, through the ABCD (Asset Based Community Development) approach with techniques for conducting counseling, forum group discussions, training and mentoring. This community service aims to explore the effectiveness of implementing sharia budgeting in improving the financial management of MSMEs. Community service activities carried out include training and mentoring for MSME actors in Sumbergempol, Tulungagung, through the ABCD (Asset Based Community Development) approach with techniques for conducting counseling, forum group discussions, training and mentoring. The results indicate a significant improvement in participants' understanding and skills in allocating business budgets. They were able to develop more systematic financial plans, separate business capital from personal finances, and implement more disciplined budgeting strategies in accordance with Islamic economic principles. Furthermore, the sharia budgeting approach has proven effective in strengthening financial control and enhancing business resilience against economic uncertainties. To ensure the sustainable implementation of sharia budgeting, further training and in-depth mentoring for MSME entrepreneurs are recommended.
Why Halal Awareness Matters in Supporting Sustainable Halal Cosmetics? Asiyah, Binti Nur; Adlan, Muhamad Aqim; Mashudi, Mashudi; Huda, Qomarul; Hidayat, Muhammad Syahrul; Holle, Moh. H.; Wahyudi, Amin; Kinanti, Karunia
IQTISHODUNA IQTISHODUNA (Vol. 21, No. 1, 2025)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/iq.v21i1.32588

Abstract

This study aims to analyze the role of awareness of halal products as a factor influencing consumer decisions to buy halal products, in order to support the sustainability of the halal cosmetics industry, especially the Wardah brand. The halal industry not only sells value branding but also ensures the availability of a sustainable supply of halal products. This paper was studied using a quantitative approach, with a causal associative method. Data analysis techniques include validity, reliability, classical assumption tests, and hypothesis testing using multiple regression and path analysis. The research results show that product knowledge and religiosity positively affect halal product purchases; product knowledge alone has no significant impact. Religiosity negatively affects purchasing decisions; product knowledge boosts halal awareness; religiosity negatively impacts halal awareness. Simultaneously, product knowledge, religiosity, and halal awareness significantly influence purchases; product knowledge has a positive but insignificant effect on purchases via halal awareness, and religiosity significantly negatively affects purchases through halal awareness. The halal industry should focus on enhancing consumer halal awareness to influence purchasing decisions among Muslims and non-Muslims, aiming to improve supply chain productivity for sustainability
Peran Regulasi Sebagai Landasan Hukum Bagi Pertumbuhan Lembaga Keuangan Syariah Di Indonesia: Peluang Dan Tantangan Faizatul Rohmah, Zelyn; Arta, Antri; Huda, Qomarul; Nurrohman, Dede
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 7 No. 1 (2024)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v7i1.5792

Abstract

Penelitian ini menganalisis peran regulasi sebagai landasan hukum bagi pertumbuhan lembaga keuangan syariah di Indonesia. Melalui analisis literatur, penelitian ini mengidentifikasi peluang dan tantangan yang dihadapi dalam mengembangkan lembaga keuangan syariah di negara ini. Hasil penelitian menunjukkan pertumbuhan signifikan lembaga keuangan syariah di Indonesia dalam beberapa tahun terakhir. Namun, tantangan seperti kurangnya pemahaman masyarakat, infrastruktur yang belum matang, dan ketersediaan produk dan layanan keuangan syariah yang inovatif masih menjadi hambatan. Regulasi berperan penting dalam mengatasi tantangan ini. Melalui regulasi yang tepat, pemerintah dapat meningkatkan pemahaman masyarakat, memperbaiki infrastruktur, mendorong inovasi produk dan layanan keuangan syariah, serta memastikan kepatuhan syariah dan transparansi operasional. Regulasi yang efektif menciptakan lingkungan yang kondusif bagi pertumbuhan lembaga keuangan syariah dan inklusi keuangan syariah yang lebih baik di Indonesia. Penelitian ini menyimpulkan bahwa regulasi merupakan landasan hukum penting untuk memfasilitasi pertumbuhan lembaga keuangan syariah di Indonesia, dan regulasi yang baik dan mendukung menjadi kunci dalam mempercepat perkembangan sektor keuangan syariah sesuai dengan prinsip syariah.
Hajj, Istita'ah, and Waiting List Regulation in Indonesia Huda, Qomarul; Haeba, Ilham Dwitama
al-'adalah Vol 18 No 2 (2021): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v18i2.9903

Abstract

This study examines the concept of istita'ah (capability), and the problems faced by pilgrims in Indonesia with the departure regulation that implements a waiting list system. This research is purely a literature study using a normative juridical approach. Islamic law stipulates that one of the conditions that must be met by someone who will perform the pilgrimage is istita'ah (capable) which includes aspects of physical and spiritual health, financial ability, and safe situation. Unfortunately, even though these conditions have been met, it does not necessarily allow someone to go directly to Mecca to perform the pilgrimage. The reason is that there is a quota system set by the Saudi Arabian Government to balance the coming pilgrims with the capacity of the holy cities of Mecca and Medina. As a result of this quota system, prospective pilgrims in Indonesia have to queue waiting for departure, with a waiting time span of tens of years. This study finds out that the waiting list system, although aimed at ensuring the smooth and comfortable in performing pilgrimage, turned out to be an obstacle, because there is no guarantee that a person, in such a long waiting period, will remain healthy, even many. some of them had died before the time of departure arrived. Therefore, the government must find a solution to suppress the waiting list so that it does not continue to extend, by setting certain criteria for individuals who will register, for example the age limit and whether or not the person has performed hajj before.
STRUKTUR DAN REGULASI LEMBAGA KEUANGAN SYARIAH BERDASARKAN FATWA DSN-MUI DI INDONESIA Ning Wijayanti; Dhika Nurrohman; Faisal Muchlis; Qomarul Huda; Mashudi
Journal of Social and Economics Research Vol 7 No 1 (2025): JSER, June 2025
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jser.v7i1.933

Abstract

Perkembangan lembaga keuangan Syariah di Indonesia juga menghadapi berbagai tantangan. Faktor faktor seperti kurangnya pemahaman masyarakat, infrastruktur yang belum memadai. Regulasi keuangan Islam mencakup berbagai aturan dan prinsip yang dirancang untuk memastikan bahwa aktivitas keuangan berjalan sesuai dengan nilai-nilai syariah. menyoroti pentingnya regulasi yang kuat dalam mendorong pertumbuhan dan stabilitas sistem keuangan Syariah. Metode studi yang digunakan dalam penelitian ini adalah studi literatur yaitu pendekatan yang digunakan untuk mengumpulkan dan menganalisis informasi yang telah dipublikasikan sebelumnya. Dalam penelitian mengenai lembaga keuangan syariah, studi literatur menjadi penting untuk mengkaji berbagai teori, konsep, dan temuan penelitian yang relevan. fatwa yang dikeluarkan oleh MUI tidak dapat dianggap sebagai hukum negara yang memiliki kekuatan untuk dipaksakan kepada seluruh warga. Fatwa tersebut juga tidak diiringi sanksi dan tidak wajib dipatuhi oleh semua warga negara. Sebagai entitas sosial politik dalam kerangka ketatanegaraan.
STRUKTUR DAN REGULASI LEMBAGA KEUANGAN SYARIAH BERDASARKAN FATWA DSN-MUI DI INDONESIA Ning Wijayanti; Dhika Nurrohman; Faisal Muchlis; Qomarul Huda; Mashudi
Journal of Social and Economics Research Vol 7 No 1 (2025): JSER, June 2025
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jser.v7i1.933

Abstract

Perkembangan lembaga keuangan Syariah di Indonesia juga menghadapi berbagai tantangan. Faktor faktor seperti kurangnya pemahaman masyarakat, infrastruktur yang belum memadai. Regulasi keuangan Islam mencakup berbagai aturan dan prinsip yang dirancang untuk memastikan bahwa aktivitas keuangan berjalan sesuai dengan nilai-nilai syariah. menyoroti pentingnya regulasi yang kuat dalam mendorong pertumbuhan dan stabilitas sistem keuangan Syariah. Metode studi yang digunakan dalam penelitian ini adalah studi literatur yaitu pendekatan yang digunakan untuk mengumpulkan dan menganalisis informasi yang telah dipublikasikan sebelumnya. Dalam penelitian mengenai lembaga keuangan syariah, studi literatur menjadi penting untuk mengkaji berbagai teori, konsep, dan temuan penelitian yang relevan. fatwa yang dikeluarkan oleh MUI tidak dapat dianggap sebagai hukum negara yang memiliki kekuatan untuk dipaksakan kepada seluruh warga. Fatwa tersebut juga tidak diiringi sanksi dan tidak wajib dipatuhi oleh semua warga negara. Sebagai entitas sosial politik dalam kerangka ketatanegaraan.
Integrating Maqasid al-Shariah and Sustainable Development Goals Islamic Financial Planning: A Framework for Ethical Wealth Distribution Syaichoni, Ahmad; Huda, Qomarul; Pangestu, Nana; Sampurno, Rama Wahyu
International Journal of Islamic Finance Vol. 3 No. 1 (2025): May 2025
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ijif.v3i1.2595

Abstract

Background: The global financial system faces escalating challenges in reconciling ethical wealth distribution with sustainable development, particularly within Islamic economies. Despite the shared emphasis of Maqasid al-Shariah (objectives of Islamic law) and the Sustainable Development Goals (SDGs) on justice, equity, and environmental stewardship, their integration remains fragmented. Islamic financial institutions (IFIs) often prioritize Shariah compliance over proactive contributions to sustainability, while regulatory fragmentation and gender-environment gaps hinder systemic progress. Objectives: This study aims to: (1) analyze the structural alignment between Maqasid al-Shariah and SDGs in Islamic financial planning, (2) identify systemic barriers to their integration, and (3) propose actionable strategies to optimize Islamic finance’s role in ethical wealth distribution. Novelty: The research fills critical gaps in Islamic academic discourse by: Introducing the Maqasid-SDG Integration Theory, which recontextualizes classical Islamic jurisprudence within modern sustainability frameworks. Developing a Maqasid-SDG Index to evaluate financial products’ socio environmental impact, addressing the absence of standardized metrics. Resolving debates on adaptive jurisprudence (e.g., redefining daruriyyat to include climate action) and gender inclusivity in Islamic finance. Research Methodology / Design: A mixed-methods sequential explanatory design was employed, combining Qualitative Analysis: Thematic coding of classical texts (e.g., al-Shatibi’s Al-Muwafaqat), 45 semi-structured interviews with Shariah scholars and policymakers, and case studies of Malaysia and Indonesia. Quantitative Analysis: PLS-SEM modeling of secondary data from 30 IFIs (2015–2023) and regression analysis of SDG progress metrics (e.g., poverty rates, CO2 emissions). Comparative Jurisprudence: Cross-referencing Hanafi, Maliki, Shafi’i, and Hanbali interpretations of wealth distribution ethics. Findings: SDG Alignment: Shariah-compliant mechanisms like Zakat and green Sukuk reduced povertyby 12.7% and emissions by 2.3 million metric tons annually, respectively (β = 0.42, p < 0.01). Institutional Barriers: Regulatory fragmentation limited SDG-aligned financing to 28% in GCC countries versus 64% in Malaysia. Gender disparities persisted, with only 12% of Islamic banks offering women centric products. Theoretical Advancements: The Maqasid-SDG Index revealed a 63% explanatory power (R² = 0.63) for ethical outcomes, while juristic reinterpretations of maslaha (public interest) enabled blockchain-based Sukuk innovations. Implication: Theoretical: The study bridges Islamic ethics with sustainability science, offering a dynamic framework for adaptive jurisprudence. Practical: Policymakers should prioritize (1) cross-border regulatory harmonization, (2) financial literacy campaigns, and (3) gender-environment nexus products (e.g., Takaful for women-led green enterprises). Policy: Centralized Shariah governance, as seen in Malaysia’s Value-Based Intermediation framework, enhances SDG alignment but requires balancing with grassroots inclusivity (r= -0.58).
Penerapan Prinsip Syariah dalam Produk Pembiayaan: Studi Kasus pada Lembaga Pembiayaan Syariah di Indonesia Siti Itsna Syamsiyah; Vina Maratus Salsabila; Putri Shinta Dewi; Mashudi Mashudi; Qomarul Huda
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 4 No. 2 (2025): Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v4i2.4673

Abstract

This study aims to analyze the extent to which Sharia principles are implemented in financing products by Islamic financial institutions in Indonesia, with a focus on a case study of Bank Syariah Indonesia (BSI). This research employs a qualitative method with a literature study approach. The findings indicate that although financing products such as murabahah, ijarah, musyarakah, and mudharabah are theoretically designed in accordance with Sharia principles, in practice there are still deviations, particularly in procedural aspects and the execution of contracts (akad). One of the analyzed cases reveals an asset auction process involving a customer's collateral that is considered inconsistent with the principles of justice, deliberation (musyawarah), and transparency. This highlights the need for a comprehensive reinforcement of Sharia principles implementation—not only in product design but also in operational procedures and dispute resolution mechanisms. The study recommends enhancing Sharia literacy, evaluating internal standard operating procedures (SOPs), and ensuring more active supervision by the Sharia Supervisory Board to ensure that Islamic principles are genuinely embodied in the practices of Islamic finance in Indonesia.
Islamic Economic Ethics and Social Capital in Waste Bank Empowerment: A Study of BUMDes in Blitar Nur Isnaini, Ulya; Nurohman, Dede; Huda, Qomarul; Fuad, Ah Zaki
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.571

Abstract

This study explores how Village-Owned Enterprises (BUMDes) operate in two locations: BUMDes Karya Bakti in Pojok Village and BUMDes Suraya in Banggle Village. The central issue lies in the fact that while many BUMDes experience declining performance, some remain resilient. One BUMDes, in particular, continues to perform stably, which is presumed to be due to the strength of its social capital. Therefore, this research is significant in examining how social capital is applied within these two BUMDes and understanding the reasons behind their differing performance levels. This study employs a qualitative research approach using case studies and the maqāṣid al-sharī‘ah framework. The findings reveal that trust, norms, and social networks play a central role in fostering participation, collaboration, and sustainability. In Banggle, collective leadership and participatory governance have enabled the integration of social capital into well-structured institutional system, reflecting ecological citizenship and ukhuwwah (social solidarity) as the foundation of empowerment. Meanwhile, in Pojok, social capital remains concentrated within a limited managerial core, resulting in lower inclusivity and greater dependence on hierarchical authority.
SHARIAH INSURANCE AS AN ALTERNATIVE CHOICE FOR NON-MUSLIM COMMUNITIES IN INDONESIA: 1. History of Insurance in Indonesia 2. Basic Concept of Shariah Insurance 3. Shariah Insurance as an Alternative Across Religions Zulfah Jannatul Karimah; Rifa Nur Alifah; Qomarul Huda
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i1.58834

Abstract

Abstrak Asuransi syari’ah tidak hanya diminati oleh umat muslim saja, tetapi juga menjadi pilihan alternatif bagi masyarakat non-muslim di Indonesia. Penelitian ini bertujuan untuk mendeksripsikan asuransi syari’ah sebagai pilihan perlindungan risiko lintas agama. Metode kualitatif deskriptif melalui studi literatur dipilih untuk mengidentifikasikan faktor-faktor yang mempengaruhi minat masyarakat non-muslim terhadap produk asuransi syari’ah. hasil penelitian menujukkan bahwa penerimaan masyarakat non-muslim terhadap asuransi syari’ah dipengaruhi oleh presepsi, pemahaman, dan kebutuhan finansial mereka. Kendala utama yang sering dihadapi adalah kurangnya edukasi dan promosi yang menyebabkan asuransi konvensional lebih banyak dikenal. Dengan demikian, asuransi syari’ah dapat menjadi alternatif yang menarik dan beretika bagi masyarakat lintas agama apabila didukung dengan sosialisasi dan promosi yang efektif. Kata Kunci: Asuransi Syari’ah, Non-Muslim   Abstract Shariah insurance is not only in demand by Muslims, but also an alternative choice for non-Muslim communities in Indonesia. This research aims to describe shariah insurance as an interfaith risk protection option. Descriptive qualitative method through literature study was chosen to identify the factors that influence non-Muslims' interest in shariah insurance products. The results showed that non-Muslims' acceptance of shariah insurance is influenced by their perception, understanding, and financial needs. The main obstacle that is often faced is the lack of education and promotion which causes conventional insurance to be more widely known. Thus, shariah insurance can be an attractive and ethical alternative for interfaith communities if supported by effective socialization and promotion. Keywords: Insurance, Non-Muslims
Co-Authors A.A. Ketut Agung Cahyawan W Adlan, Muhamad Aqim Agus Alfiyan Nur Ahmada, Muhamad Ahmad Syaichoni Aiza, Anisa Nailul Aldillah, Rozak Amin Wahyudi Aminatur Rosidah Ari Pratama, Yoga Arta, Antri Azizah, Siti Dwi Nur Binti Nur Asiyah Chusnul Chotimah Citra Mulya Sari Dede Nurohman Dede Nurrohman, Dede Dhika Nurrohman Elok Faiqoh Elok Fitriani Rafikasari Fahmi, Hairul Faisal Muchlis Faizatul Rohmah, Zelyn Fatwa Adhma Khoiri Febrianti, Eviana Sandra Febrianto, M. Nanang Firmansyah, Muhammad Bhietand Abi Fuad, Ah Zaki Haeba, Ilham Dwitama Holle, Moh. H. Ilham Dwitama Haeba Kinanti, Karunia Kolifah, Oktafia Nurul Lestari, Lisa Yuni Lily Montarcih Limantara Mashudi Mashudi Mashudi , Mashudi Mashudi Mashudi Mashudi Mu'allifin, Darin Arif Muhammad Haris Abdul Hakim Muhammad Syahrul Hidayat Nazulah, Laili Irfatun Ngainun Naim Ning Wijayanti Nur Isnaini, Ulya Pangestu, Nana Pardiansyah, Ahmad S. Pratiwi, Putri Hadiyanti Putri Shinta Dewi Rahmah Dara Lufira Regita, Ria Rifa Nur Alifah Rokhmat Subagiyo Rozi, Muhammad Fakrur Ryantina Julia Viva Sampurno, Rama Wahyu Sa’adah, Ummi Lailatul Siti Itsna Syamsiyah Suhardjono Suhardjono Tegar, Tegar Ussy Andawayanti Vina Maratus Salsabila Widandi Soetopo Wulandari, Nur Aini Zulfah Jannatul Karimah