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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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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.
Akad dalam Transaksi Keuangan Syariah Ritonga, Miftahul Janna; Khoirudin; Albahi, Muhammad
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.8065

Abstract

In the Islamic financial system, akad (contract) serves as a legal foundation that distinguishes Islamic financial practices from conventional systems. An akad is not merely a contractual agreement but also reflects fundamental Sharia principles such as justice, transparency, and mutual assistance. This study aims to examine the concept of akad in Islam, the types of akad used in Islamic financial transactions, and the challenges of its implementation in Islamic financial institutions. Using a qualitative approach based on literature review, the study concludes that proper understanding and application of akad play a crucial role in maintaining the integrity and public trust in the Islamic financial system. Therefore, improving financial literacy and strengthening regulations are essential steps to support the development of a fair and sustainable Islamic economic system
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. 
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