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All Journal Maslahah: Jurnal Manajemen dan Ekonomi Syariah Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Dede Saerozi
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Krisis Global dan Ketahanan Sumber Pembiayaan Pembangunan: Kajian Literatur atas Peran Tabungan Domestik sebagai Stabilizer Yourman Gamas Mahesa; Elly Lestari; M Daffa Dhiya Ulhaq; Ival Fadlyanto; Dede Saerozi; Muhtar Ulum; Mochammad Yuda Adipratama; Nissya Rahma Aurelia Rokhim; Gama Pratama
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 2 No. 6 (2025): November : Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v2i6.1712

Abstract

Development financing systems in various developing countries, including Indonesia, have been tested by repeated global crises, such as the 2008 financial crisis, the COVID-19 pandemic, and geopolitical tensions since 2020. The economy is highly dependent on external funding, such as foreign loans and foreign direct investment (FDI), making it vulnerable to disruptions and uncertainty in capital flows. This article examines the strategic role of domestic savings as a stabilizer in maintaining the resilience of development financing using a desk study approach. The literature review shows that mobilizing domestic savings through conventional and Islamic financial institutions is crucial for encouraging long-term investment, reducing dependence on external financing, and strengthening national fiscal independence. In the Islamic economy, the rise of yield-based savings instruments, productive waqf, and retail sukuk has helped expand a stable and equitable domestic funding base. Furthermore, this article finds that digital transformation, fiscal incentive policies, and financial literacy are key to increasing public participation in productive savings. Therefore, increasing domestic savings is an economic tool and a national defense strategy in facing ongoing global crises.
Implementasi Pembangunan Ekonomi Berbasis Islam dalam Peberdayaan Masyarakat: Studi Kasus Republik Islam Iran Dede Saerozi; Moh. Ridwan Maulana; Nissya Rahma Aurelia Rokhim
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 3 (2026): Juli: Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i3.2482

Abstract

The economic sanctions imposed on Iran since 2018 have not been lifted until 2024. Amidst this pressure, Iran has become a kind of open laboratory for the implementation of Islamic economics at the state level. The question is, to what extent is this system capable of empowering society when access to global finance is blocked? This study attempts to answer this by examining three pillars implemented by Iran between 2018 and 2024. First, the government issued a $2.5 billion Musharakah Sovereign Sukuk in 2023 to finance infrastructure projects without interest. Second, the Central Bank of Iran aggressively increased its gold reserves from 108 tons to 200 tons as a form of safeguard against the SWIFT blockade. Third, the distribution of zakat and waqf (waqf) began to be digitized through the Iran Electronic Zakat Fund, which by 2023 had distributed $340 million to nearly 280,000 MSMEs. This research utilizes a literature review of 42 documents, including Scopus articles from Q1–Q3, IMF and World Bank reports, and World Gold Council data. When measured against the framework of the maqasid sharia (Islamic principles), Iran appears to have successfully maintained its hifz al-din (obligatory welfare) aspect through a fully Islamic banking system. However, its hifz al-mal (obligatory welfare) aspect has faltered. As of March 2024, inflation was recorded at 45.8%, and the poverty rate reached 31.7%. The conclusion is that normative adherence to sharia principles does not automatically guarantee prosperity when geopolitical factors come into play. The synergy between sukuk, gold, and digital philanthropy does form an attractive Resistance Economy model. However, without global political stability, this model functions more as a shield than as a growth engine. These findings are important for other Muslim countries considering a similar path.
Co-Authors Elly Lestari Gama Pratama Ival Fadlyanto M Daffa Dhiya Ulhaq Mochammad Yuda Adipratama Moh. Ridwan Maulana Muhtar Ulum Nissya Rahma Aurelia Rokhim Yourman Gamas Mahesa