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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MALIA Syarikat : Jurnal Rumpun Ekonomi Syariah Al-Kharaj: Journal of Islamic Economic and Business Al Huquq : Journal of Indonesian Islamic Economic Law Economic Reviews Journal Madani: Multidisciplinary Scientific Journal International Journal of Economics and Management Research
Muhammad Albahi
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Ekonomi dan Politik Pendekatan Maqasid Syariah Mifti Ibdalia; Muhammad Albahi
Economic Reviews Journal Vol. 4 No. 1 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i1.637

Abstract

Economics and politics are two important aspects that shape the structure of human social life. In Islam, these two fields are not only seen as a means to achieve material prosperity, but also as a means to achieve prosperity in this world and the hereafter. For this reason, the approach used in economics and politics must be in line with sharia principles, which are based on larger goals, namely maqasid sharia. Maqasid Syariah, which literally means "goals of sharia", refers to five aspects The main things that must be maintained in human life are religion (deen), soul (nafs), reason (aql), heredity (nasl), and wealth (mal). This approach emphasizes the importance of creating a harmonious, just and prosperous life, by prioritizing a balance between material and spiritual needs. In this context, maqasid sharia provides guidance for building an economic system that does not only prioritize material profits, but also focuses on social equality and justice. Likewise in politics, maqasid sharia emphasizes the importance of justice, protection of human rights and people's welfare. The maqasid sharia approach in economics and politics aims to create a system that is based on Islamic moral and ethical values, which prioritizes the welfare of the people and the sustainability of life. Therefore, the application of these principles in economic and political policies is important in realizing a just and prosperous society. In this article, we will discuss further how the maqasid sharia approach can be applied in economics and politics to achieve the goal of holistic welfare of the people.
Strategi Efektif Pengembangan Keuangan Syariah untuk Mengatasi Ketimpangan Sosial Ekonomi Nurhayati; Fauqah Nuri Aini; Muhammad Albahi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 3 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i3.26760

Abstract

Keuangan syariah adalah sistem keuangan yang berlandaskan prinsip-prinsip Islam dengan tujuan menciptakan keadilan serta kesejahteraan ekonomi yang berkelanjutan. Makalah ini mengulas konsep dasar keuangan syariah, termasuk definisi, prinsip-prinsip utama, serta instrumen dan produk yang diterapkan dalam praktik ekonomi modern. Melalui pendekatan analitis, makalah ini menguraikan perbedaan mendasar antara sistem keuangan syariah dan konvensional, dengan menyoroti larangan terhadap riba, gharar, dan maysir sebagaimana diatur dalam ajaran Islam. Selain itu, penerapan risk-sharing dalam transaksi keuangan syariah menegaskan pentingnya keadilan dan transparansi. Di Indonesia, perkembangan keuangan syariah menunjukkan tren positif, didukung oleh regulasi pemerintah serta meningkatnya kesadaran masyarakat terhadap produk keuangan yang sesuai dengan prinsip Islam. Secara global, negara seperti Malaysia dan Uni Emirat Arab juga menjadi pusat pertumbuhan industri ini. Meski demikian, penerapan keuangan syariah masih menghadapi tantangan, termasuk kompleksitas regulasi, keterbatasan sumber daya manusia, serta perbedaan interpretasi terhadap prinsip syariah yang perlu diselesaikan guna meningkatkan daya saing industri ini. Selain itu, makalah ini mengeksplorasi potensi instrumen keuangan syariah, seperti sukuk, wakaf, dan zakat, yang berperan dalam redistribusi kekayaan serta pengurangan kesenjangan ekonomi. Dengan mengedepankan nilai keadilan, transparansi, dan tanggung jawab sosial, keuangan syariah tidak hanya berorientasi pada keuntungan, tetapi juga pada kesejahteraan masyarakat secara luas. Diharapkan, pembahasan dalam makalah ini dapat memberikan wawasan yang lebih mendalam mengenai keuangan syariah serta kontribusinya terhadap pembangunan ekonomi yang berkelanjutan.
Maqasid Sharia As A Philosophical Foundation In Islamic Economic Policy Making Arum, Hafidza Sanshia; Rupita, Nanda Ega; Syahpawi; Muhammad Albahi
MALIA: Jurnal Ekonomi Islam Vol 16 No 1 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Religion, Yudharta University Pasuruan, East Java, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/ml.v16i1.5798

Abstract

Introduction: The application of Sharia economics often focuses on aspects of formal legality, ignoring the social and desire dimensions. This challenge makes the Sharia principles less optimal for creating benefits. Globalisation adds pressure to innovation, but Maqasid Sharia offers a holistic framework for material and spiritual balance. Methods: Using the literature study method, this study examines the theory and application of Maqasid Sharia which includes the protection of religion, soul, intellect, heredity, and property in economic policy Results: The results show that, although Maqasid Syariah provides a comprehensive framework, the main challenges in its implementation are an overly legalistic approach and a lack of innovation in Islamic financial products. Conclusion and suggestion: Maqasid Syariah as the foundation of syariah economy provides strategic guidance for fair, inclusive, and sustainable policies with Five main elements: religion, soul, intellect, heredity, and wealth. Despite being able to address global challenges such as social inequality and climate change, its implementation faces obstacles such as the dominance of a legalistic approach, lack of innovation, and lack of regulation and infrastructure. Recommendations include the integration of Maqasid values in policy, strengthening regulation, developing Sharia financial technology, redistribution of wealth through zakat and waqf, and innovative products such as green sukuk. The synergy between government, private, and historians is necessary for effective implementation.
Getting to Know the Shariah Capital Market : Halal Investment in the Modern Era Kemala Dewi; Muhammad Fakhri; Muhammad Albahi
International Journal of Economics and Management Research Vol. 3 No. 3 (2024): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v3i3.443

Abstract

The development of the modern economy requires Muslims to be able to adapt to the contemporary financial system without ignoring the principles of sharia. One form of such adaptation is the existence of the sharia capital market, namely a capital market system based on Islamic teachings and free from elements of usury, gharar, and maisir. The sharia capital market is not only an alternative halal investment, but also reDesiarto (n.d.)flects the practical needs in creating a fair and sustainable financial system. Instruments such as sharia stocks, sukuk, and sharia mutual funds are solutions for Muslim investors who want to invest ethically. In Indonesia, the development of the sharia capital market is supported by regulations from the OJK, BEI, and fatwas from the DSN-MUI. However, challenges such as low sharia financial literacy are still major obstacles. Therefore, the introduction and understanding of the concept of the sharia capital market are very necessary in order to encourage the creation of a financially intelligent society and continue to uphold Islamic values in its economic activities.
Teori Penawaran dalam Ekonomi Islam Iqra Mulhadi; Muhammad Albahi
Economic Reviews Journal Vol. 3 No. 4 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i4.612

Abstract

This research aims to describe the concept of supply from an Islamic economic perspective and what factors influence supply. This issue is important to study because economics in Islamic economics offers a more inclusive and just approach. And what factors influence the offer? This article's research method uses quantitative methods using literature review techniques. The results of this research show that in sharia supply analysis, maximum production efficiency is achieved when the sharia economic concept with profit sharing instruments is chosen compared to the use of interest instruments in conventional economics. This new discourse and discoveries that are much better both theoretically and practically will further strengthen the argument that Islamic economics is a better system.
Integrasi Maqashid Syariah dalam Regulasi dan Pengembangan Instrumen Pasar Modal Syariah: Kajian Konseptual Hukum dan Ekonomi Ningsih, Dian Wirna; Muhammad Albahi; Rozi Andrini
Al-Huquq: Journal of Indonesian Islamic Economic Law Vol. 7 No. 2 (2025): on Progress
Publisher : Fakultas Syariah IAIN madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/alhuquq.v7i2.22168

Abstract

Pasar modal syariah menjadi salah satu instrumen strategis dalam memperkuat perkembangan ekonomi Islam, yang berorientasi pada penerapan prinsip-prinsip syariah serta berlandaskan pada tujuan fundamental maqashid syariah. Penelitian ini berfokus pada analisis integrasi prinsip-prinsip maqashid syariah dalam perumusan regulasi serta pengembangan instrumen pasar modal syariah di Indonesia, ditinjau melalui perspektif hukum dan ekonomi Islam. Pendekatan penelitian yang digunakan bersifat kualitatif dengan metode studi kepustakaan, yang menelaah berbagai regulasi Otoritas Jasa Keuangan (OJK), fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI), serta sumber-sumber literatur relevan lainnya. Hasil penelitian menunjukkan bahwa penerapan maqashid syariah telah membentuk model maqashid-oriented regulation, di mana regulasi pasar modal tidak hanya menekankan kepatuhan hukum formal, tetapi juga nilai kemaslahatan, keadilan, dan perlindungan investor. Integrasi antara OJK dan DSN-MUI memperkuat legitimasi hukum dan moral pasar modal syariah serta mendorong inovasi produk keuangan seperti green sukuk dan social sukuk yang berorientasi pada kesejahteraan sosial. Penelitian ini merekomendasikan penguatan indikator kinerja maqashid dan peningkatan literasi keuangan syariah sebagai dasar pengembangan pasar modal yang etis, inklusif, dan berkelanjutan. (The Islamic capital market is a strategic instrument for strengthening the development of the Islamic economy, oriented towards the application of sharia principles and based on the fundamental objectives of maqashid sharia. This research focuses on analyzing the integration of maqashid sharia principles in the formulation of regulations and the development of sharia capital market instruments in Indonesia, viewed from the perspective of Islamic law and economics. The research approach used is qualitative with a literature study method, which examines various regulations of the Financial Services Authority (OJK), fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), and other relevant literature sources. The results show that the application of maqashid sharia has formed a maqashid-oriented regulation model, where capital market regulations emphasize not only formal legal compliance but also the values of welfare, justice, and investor protection. The integration between the OJK and DSN-MUI strengthens the legal and moral legitimacy of the Islamic capital market and encourages innovation in financial products such as green sukuk and social sukuk that are oriented towards social welfare. This study recommends strengthening maqashid performance indicators and increasing Islamic financial literacy as a basis for developing an ethical, inclusive, and sustainable capital market.)Pasar modal syariah menjadi salah satu instrumen strategis dalam memperkuat perkembangan ekonomi Islam, yang berorientasi pada penerapan prinsip-prinsip syariah serta berlandaskan pada tujuan fundamental maqashid syariah. Penelitian ini berfokus pada analisis integrasi prinsip-prinsip maqashid syariah dalam perumusan regulasi serta pengembangan instrumen pasar modal syariah di Indonesia, ditinjau melalui perspektif hukum dan ekonomi Islam. Pendekatan penelitian yang digunakan bersifat kualitatif dengan metode studi kepustakaan, yang menelaah berbagai regulasi Otoritas Jasa Keuangan (OJK), fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI), serta sumber-sumber literatur relevan lainnya. Hasil penelitian menunjukkan bahwa penerapan maqashid syariah telah membentuk model maqashid-oriented regulation, di mana regulasi pasar modal tidak hanya menekankan kepatuhan hukum formal, tetapi juga nilai kemaslahatan, keadilan, dan perlindungan investor. Integrasi antara OJK dan DSN-MUI memperkuat legitimasi hukum dan moral pasar modal syariah serta mendorong inovasi produk keuangan seperti green sukuk dan social sukuk yang berorientasi pada kesejahteraan sosial. Penelitian ini merekomendasikan penguatan indikator kinerja maqashid dan peningkatan literasi keuangan syariah sebagai dasar pengembangan pasar modal yang etis, inklusif, dan berkelanjutan. (The Islamic capital market is a strategic instrument for strengthening the development of the Islamic economy, oriented towards the application of sharia principles and based on the fundamental objectives of maqashid sharia. This research focuses on analyzing the integration of maqashid sharia principles in the formulation of regulations and the development of sharia capital market instruments in Indonesia, viewed from the perspective of Islamic law and economics. The research approach used is qualitative with a literature study method, which examines various regulations of the Financial Services Authority (OJK), fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), and other relevant literature sources. The results show that the application of maqashid sharia has formed a maqashid-oriented regulation model, where capital market regulations emphasize not only formal legal compliance but also the values ​​of welfare, justice, and investor protection. The integration between the OJK and DSN-MUI strengthens the legal and moral legitimacy of the Islamic capital market and encourages innovation in financial products such as green sukuk and social sukuk that are oriented towards social welfare. This study recommends strengthening maqashid performance indicators and increasing Islamic financial literacy as a basis for developing an ethical, inclusive, and sustainable capital market.)
Peran Dewan Pengawas Syariah dalam Menjamin Kepatuhan Syariah Pada Lembaga Keuangan Syariah Di Indonesia Cintia Nurul Lita Br Silalahi; Muhammad Albahi; Rozi Andrini
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 8 No. 2 (2025): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2025.vol8(2).25502

Abstract

Dewan Pengawas Syariah (DPS) merupakan bagian integral dari tata kelola lembaga keuangan syariah yang bertanggung jawab memastikan kepatuhan terhadap prinsip-prinsip syariah. Penelitian ini bertujuan untuk menjelaskan peran, fungsi, dasar hukum, serta tantangan DPS dalam melaksanakan pengawasan syariah pada lembaga keuangan syariah di Indonesia. Metode penelitian yang digunakan adalah studi literatur melalui analisis dokumen regulasi, fatwa DSN-MUI, dan publikasi akademik. Hasil penelitian menunjukkan bahwa DPS memiliki peran strategis dalam memberikan opini syariah atas produk, pelayanan, dan operasional lembaga keuangan syariah. Namun demikian, DPS masih menghadapi tantangan terkait kompetensi sumber daya manusia, independensi, serta adaptasi dalam perkembangan industri keuangan digital syariah. Penguatan kapasitas DPS menjadi urgensi agar kepatuhan syariah dapat terjaga dengan baik.
Konsumsi, Tabungan, dan Investasi Dalam Syariah Makro Ekonomi Leny Julika; Siti Aisyah Adelina; Muhammad Albahi
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.
Neraca Pembayaran dan Neraca Perdagangan Dalam Perspektif Ekonomi Islam di Indonesia Khairun Nisaa; Kamila Alhalimi; Muhammad Albahi
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.
The Effect of Capital Assistance, Financial Literacy, And Entrepreneurial Motivation on The Economic Welfare of Mustahik in The YBM Brilian Ro Pekanbaru nanda ega Rupita; Muhammad Albahi; Mulia Sosiady
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9820

Abstract

This study aims to analyze the effect of Capital, Financial Literacy, and Entrepreneurial Motivation on the Economic Welfare of mustahik beneficiaries of the Gerobak Bermakna Program at YBM BRILiaN RO Pekanbaru. The study tests the hypothesis that the three independent variables have a positive and significant effect on economic welfare, both partially and simultaneously. A quantitative approach with an explanatory research design was employed. The population, which also served as the sample, consisted of 169 mustahik selected using a total sampling technique. Data were collected through structured questionnaires using a Likert scale and analyzed using multiple linear regression at a 5% significance level. The results indicate that Business Capital (t = 2.217; p = .028), Financial Literacy (t = 6.406; p = .000), and Entrepreneurial Motivation (t = 3.349; p = .001) have a positive and significant effect on Economic Welfare. Simultaneously, the analysis shows F(3,165) = 66.626; p = .000 with an R² value of .548, meaning that 54.8% of the variance in economic welfare can be explained by the three variables. Financial literacy emerges as the most dominant variable. These findings imply that productive zakat programs should integrate capital assistance with continuous capacity building and entrepreneurial motivation development to sustainably enhance beneficiaries’ economic welfare.
Co-Authors Arum, Hafidza Sanshia Cintia Nurul Lita Br Silalahi Fauqah Nuri Aini Iqra Mulhadi Kamila Alhalimi Kasmawati Kemala DEwi Khairun Nisaa Leny Julika Lukman Mifti Ibdalia Muhammad Fakhri Mulia Sosiady nanda ega Rupita Ningsih, Dian Wirna Nurhayati Rozi Andrini Rupita, Nanda Ega Siti Aisyah Adelina Syahpawi