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All Journal Trikonomika: Jurnal Ekonomi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal EK dan BI El-kahfi : Journal of Islamic economics Innovative: Journal Of Social Science Research Borneo Islamic Finance and Economics Journal (BIFEJ) At-Tajdid: Journal of Islamic Studies Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Information System and Innovation Management
Albahi, Muhammad
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pendapatan Nasional dalam Tinjauan Ekonomi Syariah Andriani, Desi; Masri, Rahmi Vivri; Albahi, Muhammad
Innovative: Journal Of Social Science Research Vol. 4 No. 6 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i6.16337

Abstract

From an Islamic economic standpoint, national income is a crucial metric for evaluating the macroeconomic circumstances of a nation. An alternate method of determining and allocating national revenue that is frequently not fairly represented by traditional methods like GDP and GNP is the Islamic economic approach. The purpose of this study is to investigate the tools utilized in Islamic economics to improve welfare and to comprehend how sharia principles are applied in the computation of national income. The literature study method is used in this investigation. The findings demonstrate that by taking into account social justice, equitable distribution, and striking a balance between material and spiritual requirements, the Islamic economic approach provides a more thorough framework. Tools like waqf, sadaqah, infaq, and zakat are crucial for enhancing welfare and attaining a more equitable distribution of wealth. A more comprehensive computation of national income is greatly aided by the Islamic economic approach. This strategy overcomes the drawbacks of traditional methods and introduces economic welfare in line with sharia norms by placing a strong emphasis on social fairness and the falah principle.
ASUMSI RASIONALITAS DALAM EKONOMI ISLAM Azis, Fahnur; Arifin, Ahmad; Albahi, Muhammad
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 2 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i2.1837

Abstract

This research examines the concept of rationality in Islamic economics as an alternative paradigm to the understanding of conventional economic rationality. This critical study shows that rationality in Islamic economics does not simply maximize material utility, but includes more comprehensive spiritual, moral and social considerations. Through a qualitative-normative approach, the study explores a conceptual framework that integrates ethics and spirituality in economic decision-making.
DISTORSI PASAR DALAM PERSPEKTIF ISLAM Miftahurrazak, Muhammad; Rahman, Arif; Albahi, Muhammad
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 2 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i2.1826

Abstract

Market dynamics in the modern economic system often experience various deviations that harm the interests of the wider community. This article examines the phenomenon of market distortions from an Islamic economic perspective using a qualitative-descriptive research method. The research aims to identify forms of market distortions, causal factors, and solutions offered within the framework of Islamic economics. Through literature analysis and conceptual understanding, this study found that market distortions can occur in various forms such as monopoly, asymmetric information, and unfair intervention. The causative factors include weak regulation, low moral awareness, and an unjust economic structure. The Islamic perspective offers a comprehensive solution through the principle of justice (al-'adl), transparency of transactions, and ethics-based supervisory mechanisms. This article makes a theoretical contribution in understanding market distortions from the perspective of Islamic economics and offers a conceptual framework to realize a fair market.
SYNERGY OF INTELLECTUAL CAPITAL AND SHARIA FINANCIAL CAPITAL IN IMPROVING FINANCIAL PERFORMANCE Albahi, Muhammad; Yuslem, Nawir; Soemitra, Andri; Noor, Mohd
TRIKONOMIKA Vol 23 No 2 (2024): December Edition
Publisher : Faculty of Economics and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/trikonomika.v23i2.18574

Abstract

This study aims to analyze the influence of Intellectual Capital and Sharia Financial Capital on the financial performance of companies listed in the Jakarta Islamic Index (JII) and to evaluate the synergy between the two capitals in increasing competitiveness and business sustainability. The data used are from the annual reports of JII companies during the period 2020–2024. Intellectual Capital is measured using the Value-Added Intellectual Coefficient (VAIC) model, and Sharia Financial Capital, which includes the zakat ratio, profit-sharing ratio, and Sharia debt ratio. Financial performance is measured using Return on Equity (ROE), Return on Assets (ROA), and Price-to-Book Value (PBV). The results show that Intellectual Capital and Sharia Financial Capital have a positive influence on financial performance. The synergy between Intellectual Capital and Sharia Financial Capital has been proven to have a significant impact, creating a substantial competitive advantage in the context of Maqashid Sharia.
Optimalisasi Produksi dalam Ekonomi Mikro Syariah: Studi Kasus pada Industri Halal Subarkah, Dea Putriana; Fauziah, Wiwin; Albahi, Muhammad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24717

Abstract

Penelitian ini bertujuan untuk mengeksplorasi strategi optimalisasi produksi dalam kerangka ekonomi mikro syari'ah dengan fokus pada industri halal. Melalui pendekatan studi kasus, penelitian ini menganalisis bagaimana prinsip-prinsip ekonomi syari'ah dapat diterapkan untuk meningkatkan efisiensi dan produktivitas dalam konteks industri halal. Metode penelitian kualitatif dengan pendekatan studi kasus digunakan untuk mengumpulkan dan menganalisis data dari pelaku usaha industri halal. Hasil penelitian menunjukkan bahwa optimalisasi produksi dalam perspektif ekonomi mikro syari'ah memerlukan pendekatan holistik yang memperhatikan aspek etika, sosial, dan spiritual di samping pertimbangan ekonomi konvensional.
Peran Zakat dalam Ekonomi Mikro Islam: Dampak pada Kesejahteraan Sosial Damanik, Khairuddin; Amrin; Albahi, Muhammad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24737

Abstract

Zakat merupakan pilar fundamental dalam sistem ekonomi Islam dengan potensi signifikan dalam meningkatkan kesejahteraan sosial. Artikel ini mengkaji peran zakat sebagai instrumen redistribusi kekayaan dan pengentasan kemiskinan dalam kerangka ekonomi mikro Islam. Melalui analisis teologis dan ekonomi, studi ini menunjukkan dampak transformatif zakat pada struktur sosial dan ekonomi, menyoroti fungsi multidimensionalnya di luar kewajiban spiritual.
Pengangguran, Inflasi dan Kebijakan Pemerintah dalam Perspektif Ekonomi Islam Susanti, Elsa; Kartika, Meri; Albahi, Muhammad
Borneo Islamic Finance and Economics Journal BIFEJ VOL. 4, NO.2, Desember 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/bifej.v4i2.9477

Abstract

This study aims to analyze the relationship between unemployment, inflation, and government policy from an Islamic economic perspective. Unemployment and inflation are two major economic problems that can affect the social and economic stability of a country. In Islamic economics, Islam basically does not recognize the term inflation because the currency used is the dinar and dirham, the value of which is stable. Likewise, unemployment is seen as a failure of the economic system in providing halal and equitable jobs, while inflation is considered a result of unfair monetary policies and economic practices that are detrimental to the community. Government policy, in this context, has an important role to play in overcoming both problems by using Islamic economic principles, such as justice, balance, and the prohibition of usury and speculative practices. This study uses a literature study method, examining how fiscal and monetary policies can be adjusted to Islamic values ​​to create a just and sustainable economy. The results of this study are expected to provide more effective policy recommendations in reducing unemployment and inflation, as well as creating social welfare for the community in accordance with Islamic economic principles. To overcome the problem of unemployment, what needs to be fixed is the human mentality and the improvement of the social system. Through an integral and comprehensive education system supported by adequate facilities, so that it can reach all levels of society, self-awareness must be built about the dignity and worth of humans as perfect creatures of Allah SWT.
Manajemen Keuangan Syariah untuk Optimalisasi Keberlanjutan Bisnis di Era Digital Annisa, Resti; Albahi, Muhammad
At-Tajdid : Journal of Islamic Studies Vol 4, No 3 (2024): Juli 2024
Publisher : Pacsasarjana UIN Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/at-tajdid.v4i3.35117

Abstract

Era digital telah membuka peluang baru sekaligus tantangan bagi keberlanjutan bisnis. Dalam konteks bisnis syariah, manajemen keuangan syariah memainkan peran penting untuk memastikan optimalisasi sumber daya dan keberlanjutan usaha sesuai prinsip syariah. Penelitian ini bertujuan untuk menganalisis penerapan manajemen keuangan syariah dalam mengelola keuangan perusahaan agar tetap kompetitif dan berkelanjutan di era digital. Dengan pendekatan deskriptif-analitis, penelitian ini mengkaji aspek perencanaan keuangan, investasi, dan pengelolaan risiko berbasis syariah, serta pemanfaatan teknologi digital dalam manajemen keuangan. Hasil penelitian menunjukkan bahwa integrasi prinsip syariah dengan teknologi digital dapat meningkatkan efisiensi, transparansi, dan daya saing bisnis. Implikasi dari penelitian ini memberikan panduan strategis bagi pelaku usaha syariah dalam memanfaatkan teknologi digital untuk mendukung keberlanjutan bisnis mereka.
Sharia Fintech: The Collaboration of Information Technology and Morality as A Financing Instrument for The Future Nurul Ichsan, Atikah; Despileny, Iren; Zahratul Jannah, Nisa; Albahi, Muhammad
International Journal of Information System and Innovation Management (IJISIM) Vol. 2 No. 1 (2024): International Journal of Information System and Innovation Management
Publisher : Yayasan Pendidikan Islam Al-Matani

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

Abstract

The advancement of technology and knowledge has driven global innovation, transforming social, personal interactions, and economic transactions through the internet. Technology companies such as software, web, and internet play a crucial role in Indonesia's industry, particularly in the innovation of economic transactions known as financial technology (fintech). Meanwhile, Shariah financial systems, based on Shariah principles, offer ethical and just alternatives in financial management, known as Shariah fintech. This study employs literature review methods to examine Shariah fintech as a key instrument in future financing. Research findings indicate that there are currently 7 Shariah fintech P2P lending companies established in Indonesia. Shariah fintech's advantages in financing instruments over conventional methods include unique regulations tailored for Shariah fintech, direct oversight by the Shariah Supervisory Board (DPS), and operations based on Shariah principles. Furthermore, Shariah fintech supports sustainable economic growth by avoiding financing sectors that are prohibited and promoting profit-sharing models. Regulatory support from the government, OJK, and DSN-MUI creates an environment conducive to the development of the Shariah financial industry. Overall, with the world's largest Muslim population, Shariah fintech not only provides Shariah-compliant financing solutions and promotes financial inclusion but also plays a crucial role in supporting sustainable economic growth in Indonesia.
Strategic Innovation in Sharia Governance: The Evolving Management Role of the Sharia Supervisory Board Dwi, Septy Rahma; Lesmita, Febria; Suzana, Suzana; Albahi, Muhammad; Abdullah, Siti Intan Nurdiana Wong; Sitompul, Silvia Sari
International Journal of Information System and Innovation Management (IJISIM) Vol. 2 No. 1 (2024): International Journal of Information System and Innovation Management
Publisher : Yayasan Pendidikan Islam Al-Matani

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

Abstract

The Shariah Supervisory Board (DPS) plays a vital role in ensuring that the operations and financial products of Islamic financial institutions comply with Shariah principles. This research aims to explore the roles, responsibilities, and challenges faced by DPS through analyzing the available literature. Through the literature study method, this research analyzes various secondary sources, including scientific articles, books, regulations, and reports from Islamic financial institutions. The results show that DPS has a key role in providing trust to stakeholders, but also faces various challenges, such as the lack of uniform global standards and limited resources. This study provides recommendations to strengthen the role of DPS, including improved training and education of DPS members, as well as harmonization of regulations at the international level. Thus, DPS can be more effective in supporting the sustainable growth of the Islamic finance industry in accordance with Islamic principles.  
Co-Authors Abdullah, Siti Intan Nurdiana Wong ahmad arifin amrin Andri Soemitra Annisa, Resti Arif Rahman Aslati Aslati Azis, Fahnur Damanik, Khairuddin Desi Andriani, Desi Despileny, Iren Dwi, Septy Rahma Fauziah, Wiwin Ilham, M Kartika, Meri Khoirudin Lesmita, Febria Masri, Rahmi Vivri Meili Mahera, Rofiqo Miftahurrazak, Muhammad Nawir Yuslem, Nawir Noor, Mohd Nurul Ichsan, Atikah Rahman Rahman Ritonga, Miftahul Janna Silawati Silawati Sitompul, Silvia Sari Sofia Hardani Subarkah, Dea Putriana Susanti, Elsa SUZANA, SUZANA Zahratul Jannah, Nisa