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All Journal Trikonomika: Jurnal Ekonomi Laa Maisyir Jurnal Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Eklektik : Jurnal Pendidikan Ekonomi dan Kewirausahaan SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Manajemen Aset Infrastruktur dan Fasilitas Jurnal Tabarru': Islamic Banking and Finance Jurnal EK dan BI El-kahfi : Journal of Islamic economics Journal of Community Development Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Amkop Management Accounting Review (AMAR) Borneo Islamic Finance and Economics Journal (BIFEJ) At-Tajdid: Journal of Islamic Studies El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam International Journal of Information System and Innovation Management Jurnal Pengabdian Mitra Masyarakat
Albahi, Muhammad
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Islamic Financial Inclusion and the Empowerment of Micro Enterprises in Remote Regions Meili Mahera, Rofiqo; Ilham, M; Albahi, Muhammad
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.491

Abstract

This study explores the role of Islamic Financial Institutions (IFIs) in enhancing access to microenterprise financing in rural Indonesia through a qualitative literature review approach. Drawing on 25 peer-reviewed sources published between 2019 and 2024, the research identifies four key dimensions: institutional outreach, rural access barriers, effectiveness of sharia contracts, and integration of social and digital finance. Findings reveal that although IFIs have grown significantly in terms of assets and regulatory structure, their inclusion strategies remain inadequate for rural populations. Sharia-based contracts like mudharabah and musyarakah are underutilized due to operational complexities and lack of financial literacy. Moreover, the integration of zakat and other social finance tools with digital platforms is still fragmented. The study emphasizes that Islamic finance must move beyond formal compliance toward ethical inclusivity by addressing structural, behavioral, and technological barriers. The research concludes that achieving maqashid shariah in microfinance requires institutional reform, cross-sector collaboration, and a renewed commitment to justice, transparency, and community empowerment.
The Role of Women in Politics in Indonesia: Critical Review of Islamic Law Aslati, Aslati; Rahman, Rahman; Silawati, Silawati; Hardani, Sofia; Albahi, Muhammad
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol. 9 No. 2 (2025): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/dqmjva57

Abstract

The role of women in politics in Indonesia continues to be a relevant topic in social and religious discourse. Although women's participation in politics has increased since the reform era, their representation is still far from the ideal proportions. This phenomenon raises various questions about the obstacles faced by women, especially in the context of a strong patriarchal culture and religious interpretations that often limit women's space for movement. This study aims to analyze the role of women in Indonesian politics through a critical review of Islamic Law. This study uses a qualitative method with a descriptive-analytical approach. Data were collected through literature studies involving classical and contemporary Islamic literature, relevant laws, and empirical data related to women's participation in Indonesian politics. The results of the study show that normatively, Islam provides space for women to contribute in the public sphere, including politics, by emphasizing the principles of justice and equality. However, its implementation in the Indonesian context is still influenced by conservative religious interpretations and unsupportive social structures. In addition, factors such as lack of access to political education, gender stigma, and lack of institutional support also reinforce these barriers. This study recommends a more inclusive reinterpretation of religious texts and the strengthening of affirmative policies to increase the role of women in politics. With this effort, it is hoped that a fairer and more participatory political ecosystem will be created, in line with Islamic and democratic values. 
TRANSPARANSI, AKUNTABILITAS, PENGETAHUAN, KEPERCAYAAN DAN REPUTASI LEMBAGA TERHADAP KEPUTUSAN MASYARAKAT MEMBAYAR ZAKAT PADA BAZNAS KOTA PEKANBARU Lubis, Nurhayati; Mahyarni; Albahi, Muhammad
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 1 (2025): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2025.vol8(1).22506

Abstract

Angka kemiskinan merupakan salah satu permasalahan utama yang ada di Indonesia, dan salah satu instrumen yang bisa mengurangi kemiskinan tersebut adalah zakat. Seiring dengan pertumbuhan zakat yang semakin pesat di Indonesia, memberikan dampak yang baik untuk kesejahteraan masyarakat. Peningkatan tersebut juga dialami oleh Badan Amil Zakat Nasional Kota Pekanbaru pada tahun 2021 sampai 2023. Penelitian ini bertujuan untuk melihat bagaimana pengaruh transparansi, akuntabilitas, pengetahuan, kepercayaan dan reputasi lembaga terhadap keputusan masyarakat membayar zakat pada Badan Amil Zakat Nasional Kota Pekanbaru. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif deskriptif. Teknik analisis data menggunakan Smart PLS. Data dikumpulkan melalui kuesioner dari google form yang disebarkan kepada responden yang membayar zakat di Badan Amil Zakat Nasional Kota Pekanbaru. Hasil penelitian menunjukkan bahwa kelima variabel memiliki pengaruh signifikan. Variabel transparansi, akuntabilitas, pengetahuan, kepercayaan dan reputasi lembaga berpengaruh signifikan terhadap keputusan musyarakat membayar zakat di Badan Amil Zakat Nasional Kota Pekanbaru. Penelitian lebih lanjut disarankan untuk mengeksplorasi faktor yang mempengaruhi keputusan masyarakat untuk membayar zakatnya secara konsisten di BAZNAS jika sudah mencapai haul dan nisabnya. karena kontribusi BAZNAS sangat diharapkan agar mampu mengetaskan kemiskinan dan pengembangan ekonomi masyarakat.
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.
Operational Concepts and Sharia Principles in the Management of Sharia Financial Institutions Asyrofi, Muhammad Zuhdi; Albahi, Muhammad; Andrini, Rozi
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.3301

Abstract

Islamic Financial Institutions (IFIs) are financial entities that operate in accordance with Islamic Sharia principles, which prohibit practices such as riba (usury), gharar (uncertainty), and maisir (gambling), while upholding social and economic justice. This article aims to provide a comprehensive explanation of the operational concepts and Sharia principles that underpin the management of Islamic financial institutions, and to analyze their implementation within the modern financial system. This study employs a qualitative approach, drawing on sources from the Qur'an, Hadith, fatwas issued by the National Sharia Board of the Indonesian Ulema Council (DSN-MUI), and regulations issued by the Financial Services Authority (OJK). The findings indicate that the operations of Islamic financial institutions are founded upon three main pillars: justice ('adl), public interest (maslahah), and transparency (amanah). These principles are implemented through various Sharia contracts such as mudharabah (profit-sharing), musyarakah (partnership), murabahah (cost-plus sale), ijarah (leasing), and wakalah (agency). Sharia principles serve not only as a legal and moral foundation but also shape the institution's risk management system, Sharia governance, and Islamic Corporate Social Responsibility (ICSR). Therefore, the management of Islamic financial institutions is not merely profit-oriented but also grounded in spiritual, social, and sustainable economic values for the ummah. This study is expected to enrich academic literature on strengthening Sharia governance and to provide recommendations for regulators and practitioners to enhance the quality of Sharia compliance within the financial sector.
Implementasi Islamic Corporate Social Responsibility (ICSR) di Indonesia: Telaah Komprehensif terhadap Tanggung Jawab Sosial Berbasis Syariah Selvia, Dinda; Albahi, Muhammad; Andrini, Rozi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i12.10419

Abstract

This research is motivated by the phenomenon of the implementation of Islamic Corporate Social Responsibility (ICSR) in Indonesia, which has not yet fully reflected sharia values ​​comprehensively. The purpose of this study is to analyze in-depth the implementation of ICSR in sharia-based companies, identify gaps between normative concepts and empirical practices, and formulate an ideal and sustainable implementation model. The research method uses a qualitative approach with literature analysis and secondary data in the form of sustainability reports and sharia CSR policy documents. The results show that although normatively ICSR is based on the principles of ihsan, tauhid, and maqashid al-syariah as a form of worship and trust, its implementation in the field is still formalistic, administrative, and image-oriented. The findings indicate that ICSR does not significantly impact financial performance, but has a positive impact on reputation and consumer loyalty when implemented substantially and transparently. This study implies the need to revitalize ICSR implementation through the integration of maqashid al-syariah values, the application of the Shariah Impact-Based CSR model, strengthening sharia governance, and impact-based reporting so that ICSR implementation can deliver economic, social, and spiritual sustainability in a balanced manner and in accordance with the objectives of social responsibility in Islam.
Neraca Pembayaran dan Neraca Perdagangan Dalam Perspektif Ekonomi Islam di Indonesia Nisaa, Khairun; Alhalimi, Kamila; Albahi, Muhammad
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14549621

Abstract

This study aims to examine the Balance of Payments and Balance of Trade of Indonesia from the perspective of Islamic Economics. The balance of payments is one of the important instruments in a country's economy that reflects international economic relations, while the balance of trade reflects the difference between exports and imports of goods. In the perspective of Islamic Economics, both balances must pay attention to the principles of justice and balance, where foreign transactions are carried out in a way that does not harm either party. This study adopts a qualitative approach with descriptive analysis, using secondary data in the form of reports on the balance of payments and trade of Indonesia and references related to Islamic Economics. The results of the study indicate that the application of Islamic economic principles in the management of Indonesia's balance of trade and payments can improve economic balance and reduce dependence on foreign debt.
Analisis Konseptual Pasar Uang, Pasar Barang, dan Keseimbangan Pasar Fadilah, Khairul; Ananda, Lili Pernata; Albahi, Muhammad
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14549739

Abstract

The rapid growth of Islamic financial markets has brought significant attention to the dynamics of money markets, goods markets, and market equilibrium within the framework of Islamic economics. This study explores the interactions between these markets, focusing on the challenges and opportunities that arise in the application of Islamic principles in contemporary economies. The purpose of this study is to analyze how Islamic economic concepts, such as the regulation of money and goods markets and the distribution of wealth through Islamic financial instruments, can be applied to achieve market equilibrium. This qualitative study uses a desk-based research approach, analyzing literature and scholarly articles published from 2019 onwards to collect relevant data. The findings indicate that despite the growing potential of Islamic finance, significant barriers remain, including limited instruments in the money market, inconsistent halal certification processes, and challenges in wealth redistribution mechanisms. The study also highlights the potential role of technology, particularly blockchain, in increasing transparency and efficiency in these markets. The study concludes that with the right regulatory framework, increased technological integration, and stronger institutional coordination, Islamic economics can contribute significantly to achieving a more equitable and sustainable global economic system.
Konsumsi, Tabungan, dan Investasi Dalam Syariah Makro Ekonomi Julika, Leny; Adelina, Siti Aisyah; Albahi, Muhammad
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

Abstract

Islamic economics integrates Sharia principles into economic activities, emphasizing a balance between material and spiritual needs to achieve collective welfare. This study aims to explore how national income, exports, and imports are viewed in Islamic economics, contrasting with conventional economics that prioritizes wealth accumulation and efficiency. In Islamic economics, national income considers not only material value but also equitable wealth distribution to prevent social inequality. Exports and imports are seen as instruments for both economic and social benefit, including da’wah (spiritual outreach). The results indicate that Islamic economics prioritizes justice, halal standards, and sustainability in international trade, with the government playing a crucial role in aligning policies with Sharia principles.
Co-Authors Abdullah, Siti Intan Nurdiana Wong Achmad Ghozali Adelina, Siti Aisyah ahmad arifin Alhalimi, Kamila amrin Ananda, Lili Pernata Andri Soemitra ANDRINI, ROZI Annisa, Resti Arif Rahman Aslati Aslati Asyrofi, Muhammad Zuhdi Ayu, Kemala Azis, Fahnur Damanik, Khairuddin Despileny, Iren Dwi, Septy Rahma Fachry Abda El Rahman Fadilah, Khairul Fakhri Khairi, Muhammad Fauziah, Wiwin Hardiansyah Siregar, Kiki Ichsan, Atikah Nurul Ilham, M Janna Ritonga, Miftahul Jannah, Nisa Zahratul Julika, Leny Kartika, Meri Kemala Dewi, Kemala Khairunnisa Ibrahim, Elvira Lesmita, Febria Listiawati, Listiawati Lubis, Nurhayati Mahyarni - Martias, Dony Masri, Rahmi Vivri Meili Mahera, Rofiqo Miftahurrazak, Muhammad Muhammad Alfahmi Nanang Hidayat, MHD Nawir Yuslem, Nawir Nisaa, Khairun Noor, Mohd Putra, Hafiza Rahman Rahman Rosmita Rosmita, Rosmita Sari, Winda Novita Selvia, Dinda Silawati Silawati Sismita, Nafia Sitompul, Silvia Sari Sofia Hardani Subarkah, Dea Putriana Susanti, Elsa SUZANA, SUZANA Yunil Hamri, Muhammad Syauqi