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All Journal SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme Al Huquq : Journal of Indonesian Islamic Economic Law MALIA: Journal of Islamic Banking and Finance Hakam : Jurnal Kajian Hukum Islam dan Hukum Ekonomi Islam Ummul Qura : Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan Nuris Journal of Education and Islamic Studies Al-Muzdahir: Jurnal Ekonomi Syariah Al-Zayn: Jurnal Ilmu Sosial & Hukum
Zahro, Umi Indasyah
Universitas Trunodjoyo Madura
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences

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Syariah Pawnship in Indonesia: Analysis of Fiqh and Its Practice in Syariah Financial Institutions Mustaniroh, Mustaniroh; Musadad, Ahmad; Zahro, Umi Indasyah; Pujiati, Tri
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v7i1.1413

Abstract

Economic and business developments are always accompanied by developments in capital requirements and additional business capital facilities which always require guarantees to maintain the security of the capital provided. business. Pawning is a type of debt and receivable agreement and has been in place since the time of the Prophet. Over time pawnshop institutions were formed to encourage economic survival. This research aims to explain various aspects of sharia pawning starting from the history, legal basis of sharia pawning to the implementation of pawning in both banking and pawnshop institutions in Indonesia. This research is research with a qualitative descriptive approach using documentation studies through references related to sharia pawning in Indonesia. The research results show that sharia pawn operations in Indonesia do not conflict with Islamic sharia (Al-Qur'an, Hadith, Ijma, and DSN Fatwa). Not only that, the principle of pawning is actually in line with maqashid sharia, namely the protection of property, body, mind, offspring and soul. Handling problems at sharia pawnshops by providing several ways to pay off and not adding to the burden of deposits and administration costs. The results of this research provide recommendations that the implementation of sharia pawning can be implemented in the community for the benefit of the people.
Contemporary Islamic of Radical Movement (ISIS and Its Impact on Indonesia) Musadad, Ahmad; Zahro, Umi Indasyah; Syamsi, Ahmad Badarus; Pujiati, Tri; Syaifudin, Mochamad
Ummul Qura Jurnal Institut Pesantren Sunan Drajat (INSUD) Lamongan Vol. 9 No. 1 (2025): Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/uq.v9i1.1583

Abstract

This research was conducted to provide an overview of the radical Islamic movement that followed the WTC tragedy. This movement had a tremendous impact on Indonesia as a country with a majority Muslim population. The impact of this radical movement has made Islam's image less good in the eyes of the world and it is considered a terrorist who preaches violence. It is hoped that this research will be able to provide an overview of the radical movement carried out by ISIS which has had an impact on the worldview of Muslims in Indonesia. This research with a qualitative descriptive design uses library research by looking for references from books and journals that are relevant to contemporary Islamic radical movements. The results of this research show that ISIS is part of the dark history of Islam which grew and grew out of political-based radicalism as a continuation of the violent and intolerant ideology of neo-khawarijism. Therefore, it is necessary to have a genuine understanding of Islam so that radical movements that are detrimental to Islam will no longer emerge in Indonesia or in the world.
Korelasi Hukum dan Ekonomi dalam Perspektif Hukum Ekonomi Syariah: Studi Konsepsi dan Kontribusi Ahmad Musadad; Khoirun Nasik; Umi Indasyah Zahro; Mustaniroh; Fajar
Al-Huquq: Journal of Indonesian Islamic Economic Law Vol. 6 No. 2 (2024): on Progress
Publisher : Fakultas Syariah IAIN madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/alhuquq.v6i2.11959

Abstract

Hukum dan ekonomi merupakan dua ilmu yang berbeda, namun mempunyai korelasi yang erat sehingga melahirkan suatu kajian baru yaitu hukum ekonomi. Kajian ini kemudian dikaitkan dengan konsep syariah, dan melahirkan studi hukum ekonomi syariah. Tujuan penelitian ini adalah mengetahui relasi hukum dan ekonomi dalam membentuk suatu kajian baru dan peranannya dalam pengembangan studi hukum ekonomi syariah di Indonesia. Metode penelitian dalam artikel ini adalah jenis peneltian kualitatif yang bersifat deskriptif analitis dan tergolong library research, dimana data diperoleh dari bahan pustaka berupa buku, artikel jurnal, dan bahan pustaka lannya, analisis data dilakukan dengan model analisis deskripsi dan analisis isi. Hasil penelitian menunjukkan bahwa antara ekonomi dan hukum mempunyai kaitan yang sangat erat dan saling mempengaruhi, dimana suatu perkembangan ekonomi akan mempengaruhi peta hukum. Begitu juga sebaliknya, perubahan hukum juga akan memberikan dampak yang luas terhadap ekonomi. Relasi hukum dan ekonomi dalam konteks Islam membentuk studi hukum ekonomi syariah. Studi ini merupakan gabungan dari kajian fiqh muamalah dan ekonomi syariah. Relasi kajian hukum dan ekonomi dalam konteks Islam berpengaruh pada perkembangan ekonomi syariah dan hukum ekonomi syariah di Indonesia, meliputi pembentukan lembaga fatwa ekonomi syariah (DSN MUI), lembaga keuangan syariah, peraturan perundang-undangan tentang ekonomi syariah, pendidikan ekonomi syariah dan hukum ekonomi syariah. (Law and economics are two different sciences, but have a close correlation so as to give birth to a new study, namely economic law. This study is then associated with the concept of sharia, and gave birth to the study of sharia economic law. The purpose of this research is to find out the relationship between law and economics in forming a new study and its role in the development of sharia economic law studies in Indonesia. The research method in this article is a type of descriptive analytical qualitative research and is classified as library research, where data is obtained from library materials in the form of books, journal articles, and other library materials, data analysis is carried out with a description analysis model and content analysis. The results showed that between the economy and law have a very close relationship and influence each other, where an economic development will affect the legal map. Vice versa, changes in the law will also have a broad impact on the economy. The relationship between law and economy in the Islamic context forms the study of sharia economic law. This study is a combination of the study of fiqh muamalah and Islamic economics. The relationship between legal and economic studies in the Islamic context affects the development of Islamic economics and Islamic economic law in Indonesia, including the formation of Islamic economic fatwa institutions (DSN MUI), Islamic financial institutions, legislation on Islamic economics, Islamic economic education and Islamic economic law.)
Instrumen Investasi Syariah sebagai Determinan Pertumbuhan Ekonomi Indonesia Gazani, Hawa; Ummah, Afaful; Ilmi, Moh Miqdad; Zahro, Umi Indasyah; Iman, Aldi Khusmufa Nur
Ummul Qura Jurnal Institut Pesantren Sunan Drajat (INSUD) Lamongan Vol. 9 No. 2 (2025): Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/uq.v9i2.2212

Abstract

In recent years, slowing economic growth has necessitated an investment strategy that is not only effective but also sustainable. One emerging option is sharia-compliant investment instruments, which adhere to Islamic principles and are believed to significantly support national economic growth. The primary objective of this study is to analyze the influence of sharia-compliant investment instruments on economic growth in Indonesia. The instruments studied include sharia-compliant mutual funds, sharia-compliant stocks, and sharia-compliant bonds, while economic growth is measured by Gross Domestic Product (GDP). This study uses a quantitative method with the Vector Error Correction Model (VECM) to examine short-term and long-term relationships between variables. Secondary data from quarterly periods from 2011 to 2024 were used as data sources. The results indicate that sharia-compliant mutual funds, both short-term and long-term, have an impact on economic growth, while sharia-compliant stocks and bonds do not significantly influence economic growth. These findings demonstrate the critical role of sharia-compliant mutual funds as an effective investment instrument for advancing national economic growth. However, in order for sharia stocks and sharia bonds to contribute optimally, greater efforts are required.
The Role of Al-Miftah lil Ulum Method in Enhancing Santri's Contextual Kitab Kuning Literacy Competence Syaifudin, Mochamad; Musadad, Ahmad; Fauzi, Alfa Zaidanil; Zahro, Umi Indasyah; Nahidloh, Shofiyun; Pujiati, Tri
Scaffolding: Jurnal Pendidikan Islam dan Multikulturalisme Vol. 7 No. 3 (2025): Pendidikan Islam dan Multikulturalisme
Publisher : Institut Agama Islam Sunan Giri (INSURI) Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/scaffolding.v7i3.7865

Abstract

This study aims to evaluate the influence of a contextual approach on improving santri's kitab kuning literacy and to formulate an adaptive model at Al-Hikam Islamic Boarding School Burneh Bangkalan. This research used a qualitative research with classroom action research (CAR). The data of this study is the improvement of literacy of Kitab Kuning for Santri at Al-Hikam Islamic Boarding School Burneh Bangkalan. The data of this study got from observations, in-depth interviews, and documentation of learning practices with beginner santri of Madrasah Diniyah Takmiliyah (MDT) at Al-Hikam. This research used Miles and Huberman's interactive mode to analysis data. The findings indicate that the adoption of the innovative "Al-Miftah Lil Ulum" method successfully addressed the ineffectiveness of the traditional sorogan method, significantly improving santri's morphological and syntactic analysis skills in a short period. The learning materials, structured in the form of nadzam, colored tables, and structured exercises, proved capable of bridging santri's cognitive gap towards classical texts. The implementation of this method had a significant impact on santri's ability to read and comprehend Fathul Qarib within a relatively short timeframe. This research found that challenges exist in the learning process, such as heterogeneity of abilities and the need to adjust the study duration to two years; these were addressed through class separation and strengthening meaning comprehension practices. The results of this study imply that the integration of contextual methods can bridge the gap between classical Islamic intellectual heritage and contemporary educational challenges, affirming the crucial role of innovation for pesantren's relevance in responding to 21st-century learning needs.
Implementasi Akad Digital pada Pengelolaan Keuangan: (Studi Kasus di Nurul Islam Sumenep) Nur Laila; Siti Nur Sholikha; Andianita Nur Illahiyah; Sherly Dwi Lestari; Umi Indasyah Zahro
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.3197

Abstract

Pesantren memiliki peran strategis dalam pendidikan, sosial, dan ekonomi masyarakat, sehingga pengelolaan keuangan yang transparan, efisien, dan sesuai prinsip syariah menjadi sangat penting. Perkembangan teknologi mendorong pesantren untuk mengimplementasikan sistem pembayaran digital, seperti kartu santri, e-money, dan transfer bank, guna meningkatkan kemudahan transaksi, akuntabilitas, dan pengawasan keuangan. Penelitian ini bertujuan untuk menganalisis pengelolaan keuangan berbasis syariah di Pondok Pesantren Nurul Islam Sumenep, dengan fokus pada kepatuhan dan akuntabilitas dalam penerapan sistem pembayaran digital. Pendekatan penelitian yang digunakan adalah kualitatif deskriptif, dengan pengumpulan data melalui wawancara mendalam bersama kepala unit, bendahara pengurus. Hasil penelitian menunjukkan bahwa sistem pembayaran digital telah diterapkan dengan prinsip amanah, transparansi, dan keterbukaan, namun terdapat kendala seperti keterbatasan literasi digital, pengawasan formal yang belum optimal, dan resistensi sebagian pengguna terhadap sistem baru. Penelitian ini merekomendasikan pengembangan sistem keuangan digital yang lebih terintegrasi, didukung pelatihan dan mekanisme audit internal, untuk memperkuat kepatuhan syariah, akuntabilitas, dan keberlanjutan pengelolaan keuangan pesantren di masa depan.
The Philosophy of The Objectives of Islamic Law with a Systems Approach: Study of Jasser's Thought in The Book of Maqashid Ash-Shari'ah Kafalsafah Li At-Tasyri' Al-Islami Ru'yah Mandhumiyah Ahmad Musadad; Achmad Badarus Syamsi; Umi Indasyah Zahro; A. Mufti Khazin; Baihaqi Baihaqi; Tri Pujiati; Imamuddin Imamuddin
Nuris Journal of Education and Islamic Studies Vol. 6 No. 1: January - June 2026
Publisher : Institut Nurul Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52620/jeis.v6i1.245

Abstract

This study explores the philosophical foundations of the objectives of Islamic law (maqāṣid al-sharī‘ah) through a systems approach as articulated by Jasser Auda in his work Maqāṣid Asy-Syarī‘ah Kafalsafah li At-Tasyri‘ Al-Islāmī: Ru’yah Mandhumiyah. The urgency of this research lies in the increasing demand to reinterpret Islamic law in order to address the complexities of contemporary society while maintaining its foundational principles. This study employs a qualitative method with a library research approach, focusing on Auda’s conceptual framework and its implications for the philosophy of Islamic law. The findings reveal that Auda’s systems approach redefines maqāṣid as a dynamic and holistic framework emphasizing justice, public interest, and human dignity. This perspective challenges rigid textual interpretations and proposes a flexible methodology that aligns Islamic law with the realities of modern life. Auda’s approach significantly contributes to contemporary discourse on Islamic jurisprudence by presenting maqāṣid as a living philosophy capable of adapting to evolving societal contexts
Financial Technology Adoption and Student Invesment Decisions: The Mediating Role of Investment Interest (Evidence from Students of Universitas Trunojoyo Madura) Ummah, Afaful; Gazani, Hawa; Ilmi, Moh Miqdad; Zahro, Umi Indasyah; Iman, Aldi Khusmufa Nur
MALIA: Journal of Islamic Banking and Finance Vol 9, No 2 (2025): MALIA: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v9i2.34517

Abstract

The development of financial technology (fintech) has changed the access patterns and investment behavior of the younger generation, including students. However, the level of student investment participation in certain contexts is still relatively low. This research aims to analyze the influence of financial technology on students' investment decisions and examine the mediating role of investment interest in this relationship. This research uses a quantitative approach with a survey method of 30 Trunojoyo Madura University students who have active accounts and have made transactions in the capital market. The limited sample size reflects the relatively small empirical conditions of the target population, so this research is contextual and focuses on the depth of analysis of student investment behavior. Data was analyzed using Partial Least Squares (PLS) via SmartPLS 4.0. The research results show that financial technology has a significant effect on investment interest, but does not have a direct effect on investment decisions. Investment interest is proven to act as a mediator that bridges the influence of financial technology on student investment decisions. These findings provide a theoretical contribution by strengthening the application of the Theory of Planned Behavior in the context of technology-based investment, as well as a practical contribution to the management of the Sharia Investment Gallery in designing strategies to increase student participation that not only focus on technological aspects, but also shape investment interest. The novelty of this research lies in testing the mediating role of investment interest in the context of students with limited levels of investment participation.
A MAQASID AL-SYARĪ’AH BASED EVALUATION OF LOCAL GOVERNMENT INTERVENTIONS IN HALAL CERTIFICATION IMPLEMENTATION: EVIDENCE FROM SUMENEP Khoirun Nasik; Farid Ardyansyah; Ahmad Musadad; Shofiyun Nahidloh; Tri Pujiati; Umi Indasyah Zahro
JURNAL HAKAM Vol 10, No 1 (2026)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/jhi.v10i1.14590

Abstract

The expiration of the phased implementation of mandatory halal certification on 17 October 2024 marked a transition from a facilitative to an enforcement-oriented policy phase, creating significant implementation pressures for local governments and micro and small enterprises facing legal, market, and administrative risks. While previous studies have examined halal certification from normative legal and governance perspectives, limited research integrates empirical public policy analysis with a maqasid al-syarī’ah framework to evaluate local government interventions during this post-transition period. Using a qualitative policy analysis approach, this study identifies six local intervention strategies: structured multi-stakeholder coordination; optimization of the self-declare assistance scheme; targeted digital literacy and social media outreach; affirmative programs for remote villages; development of a regional Halal Hub ecosystem; and preventive regulatory socialization for the 2026 mandatory phase. Empirically, 4,053 halal certificates were issued by January 2026, 3,933 through the self-declare scheme, with over 90% of assisted MSMEs completing registration on time. These results indicate that proactive facilitation and adaptive local governance significantly reduced non-compliance risks during the transition. From a maqasid al-syarī’ah perspective, the interventions operationalize multidimensional protection: religion (hifz al-dīn), life (hifz al-nafs), wealth (hifz al-māl), intellect (hifz al-’aql), and lineage (hifz al-nasl). Conceptually, this study proposes a maqasid-based evaluation model linking Islamic normative principles with measurable governance indicators. Theoretically and practically, it positions maqasid as an applied analytical framework and provides evidence-based guidance for adaptive and sustainability-oriented halal governance.
Co-Authors A. Mufti Khazin Achmad Badarus Syamsi Afaful Ummah Ahmad Musadad Ahmad Musadad Aldi Khusmufa Nur Iman Andianita Nur Illahiyah Baihaqi Baihaqi Fajar Farid Ardyansyah Fauzi, Alfa Zaidanil Gazani, Hawa Ilmi, Moh Miqdad Imamuddin Imamuddin Khoirun Nasik Khoirun Nasik Mochamad Syaifudin, Mochamad Mustaniroh Mustaniroh, Mustaniroh Nahidloh, Shofiyun Nur Laila Pujiati, Tri Sherly Dwi Lestari Shofiyun Nahidloh Siti Nur Sholikha Syamsi, Ahmad Badarus Tri Pujiati