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All Journal Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Jurnal Pengabdian Kepada Masyarakat (Mediteg) Jurnal Pengabdian kepada Masyarakat Nusantara Abdi-Dharma Iqtisadie: Journal of Islamic Banking and Shariah Economy Journal of Artificial Intelligence and Digital Business Jurnal Multidisiplin West Science Jurnal Sahid Mengabdi El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Madania: Jurnal Kajian Keislaman BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Journal of Islamic Law and Wisdom
Septi, Iti
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A Maqasid-Based Governance Framework for Islamic Banking: Integrating VBI, ESG, and Ethical Digital Transformation Didi Suardi; Martavevi Azwar; Aisyah Defy R. Simatupang; Iti Septi; Oom Komariyah; Shofiah Tidjani
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11 No 2 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i2.21297

Abstract

This research contributes to the literature through the propositions of the Maqasid-Based Governance Framework (MBGF), which would help realign Islamic banking for sustainability and the digital era with higher objectives of Shariah. Drawing on the classical teachings of Al-Ghazali and al-Shatibi on maqasid al-shariah, and on modern governance views offered by Chapra, this study integrates maqasid al-shariah with VBI, ESG practices, and ethical digital governance. Based on a qualitative concept methodology, the paper synthesises ethical foundations, institutional governance, sustainability indicators, and digital innovation into a comprehensive governance architecture. The results indicate that the MBGF facilitates transparency, social value addition, eco-friendliness, and digital ethics in Islamic banking. The paper also highlights related indicators , such as the Maqasid Performance Index (MPI) and the Maqasid Shariah Index (MSI), to operationalise maqasid-based governance. The contribution of this paper is theoretical, in terms of giving a new positioning to maqasid as the broad governance framework; conceptual, in terms of amalgamating VBI, ESG, and digital ethics into a multi-layered model; and empirical, by providing regulators and practitioners with a practical governance blueprint for value-driven and sustainable Islamic finance.
Transformasi Digital Koperasi Syariah : Mengaplikasikan Etika Bisnis Untuk Kepuasan Anggota Benteng Mikro Indonesia Iti Septi; Sudrajat Sudrajat
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 02 (2025): September 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i02.1145

Abstract

The purpose of this study was to determine the influence of Islamic business ethics on customer satisfaction at the Benteng Mikro Indonesia Sharia Cooperative (Kopsyah BMI) branch in Cikupa, Tangerang, Banten. This study used a qualitative descriptive method, with primary data obtained through interviews with Kopsyah BMI employees. The results showed that the Islamic business ethics implemented by Kopsyah BMI are generally in accordance with sharia principles, including fairness for all members, responsibility for trust, and freedom from usury practices. The application of these principles has been proven to increase customer satisfaction and loyalty, as reflected in the increasing number of members each year. In addition, this study also found the role of digital transformation of sharia cooperatives in strengthening the implementation of Islamic business ethics. Through digital services such as a membership information system, sharia payment applications, and online transaction transparency, Kopsyah BMI is able to provide easy access to services, increase accountability, and expand its reach to the community. This digital transformation not only drives operational efficien sustainably.
Assessing Waqf Governance in Waqf-Based Insurance: A Waqf Core Principles Model Muadz Muadz; Rida Rosida; Muhammad Hamdan Ainulyaqin; Muhammad Thalal; Iti Septi; Rifaldi Nurul Akbar; Athia Nur Kamilah 
Madania: Jurnal Kajian Keislaman Vol 30, No 1 (2026): JUNE
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v30i1.11225

Abstract

This study examines which governance components explain the quality of waqf governance in Indonesia’s waqf-based insurance sector, using the Waqf Core Principles as the reference framework. Data were collected through a cross-sectional survey of 210 respondents involved in waqf-based insurance operations and analysed with partial least squares structural equation modelling. Good Waqf Governance was modelled as the endogenous construct, with Effective Supervision, Leadership Strategy, Risk Management, Shariah Governance Compliance, and Transparency Disclosure as predictors. The measurement model met the recommended thresholds for reliability, convergent validity, and discriminant validity. Transparency Disclosure (β = 0.4598, p = 0.0008) and Effective Supervision (β = 0.4089, p < 0.001) had positive and significant effects, while Risk Management showed a significant negative effect (β = -0.2191, p = 0.0462). Leadership Strategy and Shariah Governance Compliance showed no significant direct effect. The model explained 36.28 per cent of the variance in Good Waqf Governance. Supervision and disclosure carry the most weight at the sector’s present stage, while the negative risk management coefficient requires further investigation. Penelitian ini menguji komponen tata kelola yang menjelaskan kualitas tata kelola wakaf pada sektor asuransi berbasis wakaf di Indonesia dengan Waqf Core Principles sebagai kerangka rujukan. Data dikumpulkan melalui survei potong lintang terhadap 210 responden yang terlibat dalam operasi asuransi berbasis wakaf dan dianalisis menggunakan partial least squares structural equation modelling. Good Waqf Governance diposisikan sebagai konstruk endogen, dengan Effective Supervision, Leadership Strategy, Risk Management, Shariah Governance Compliance, dan Transparency Disclosure sebagai prediktor. Model pengukuran memenuhi ambang reliabilitas, validitas konvergen, dan validitas diskriminan. Transparency Disclosure (β = 0,4598; p = 0,0008) dan Effective Supervision (β = 0,4089; p < 0,001) berpengaruh positif dan signifikan, sedangkan Risk Management berpengaruh negatif dan signifikan (β = -0,2191; p = 0,0462). Leadership Strategy dan Shariah Governance Compliance tidak menunjukkan pengaruh langsung yang signifikan. Model menjelaskan 36,28 persen varians Good Waqf Governance. Pengawasan dan keterbukaan paling berbobot pada tahap perkembangan sektor saat ini, sedangkan koefisien negatif pada manajemen risiko menuntut penelusuran lebih lanjut.
Co-Authors Ade Citra Zahara Agus Supriyatno Aisyah Defy R. Simatupang Anggi Prayitno Anggraini Soemadi Athia Nur Kamilah  Atyah Febriyanti Azizah, Idha Azwar, Martavevi Beni Firdaus Dewi Putri Mandiri Duni Duni Eko Sudarmanto Haikal, Fiqi Haura, Arie Hikma Gustina Rambe Ingkak Chintya Wangsih Komariyah, Oom Mailiza Fitria Martavevi Azwar Maulana, M.Firman Muadz Muhammad Hamdan 'Ainulyaqin Muhammad Thalal Muizzudin Muizzudin Nicholas Renaldo Nur Jamaludin Nurul Lailah, Luthfiatun Octasylva, Annuridya Rosyidta Pratiwi Oom Komariyah Puput Wahdaniah R. Simatupang, Aisyah Defy Rahmad Gunawan Ria Puspitasari Rida Rosida Rifaldi Nurul Akbar Shofiah Tidjani Simatupang, Aisyah Defy R. Suardi, Didi Sudrajat Sudrajat Sunardi Udin Bahrudin Zhaky Kastia Rahmadhan