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All Journal Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Riset Perbankan Syariah Natuja: Jurnal Ekonomi Syariah
Riyan Damara Putra
Universitas Islam Negeri Raden Intan Lampung, Indonesia
Religion Economics, Econometrics & Finance

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Productive Waqf as a Sustainable Model Integrating Islamic Finance, Investment, and ESG Principles Riyan Damara Putra; Syamsul Hilal; Fatih Fuadi; Hotman
Jurnal Riset Perbankan Syariah Volume 5, No. 1, Juli 2026, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v5i1.10357

Abstract

This study examines productive waqf as an ESG-based Islamic finance model by integrating Islamic social finance, sharia-compliant investment, and sustainability-oriented governance. Although waqf has historically supported public welfare, many waqf assets remain underutilized because they are still managed through passive and charity-oriented approaches. Using a qualitative design, this study conducts a systematic literature review of Scopus-indexed publications, supported by thematic synthesis and conceptual modeling. The analysis identifies five interconnected dimensions that determine the effectiveness of productive waqf: governance, investment mechanisms, social impact orientation, sustainability integration, and institutional performance. The findings show that governance strengthens accountability, transparency, and institutional trust, while sharia-compliant investment mechanisms transform waqf assets into sustainable financial resources. ESG integration further enhances productive waqf by aligning economic activities with ethical, social, and environmental objectives. This study contributes to Islamic economics and sustainable finance literature by proposing a systems-based framework that positions productive waqf as a strategic model for generating long-term financial, social, and environmental value.
Manajemen Risiko Berbasis Maqasid Syariah Sebagai Strategi Keberlanjutan Bank Syariah Di Indonesia: Kajian Literatur Dewi Risyantika; Laili Fathul Hidayah; Reska Maulida; Riyan Damara Putra; Ridwansyah Ridwansyah; Wan Ruslan Abdul Ghani
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 2 (2026): Juli 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i2.5121

Abstract

This study aims to systematically review the integration of maqasid al-shariah into Islamic bank risk management and to develop a conceptual framework linking Shariah values, risk categories, governance, and sustainability. The study employs a Systematic Literature Review (SLR) approach following the PRISMA guidelines. Data were collected from Scopus, Web of Science, and Google Scholar using combinations of the keywords "maqasid al-shariah," "Islamic banking," "risk management," "Shariah governance," and "sustainable finance" with the Boolean operators AND and OR. The review was limited to peer-reviewed articles published in English between 2015 and 2026. Of the 135 records initially identified, 105 remained after duplicate removal, 45 articles were assessed through full-text screening, and 15 studies met the inclusion criteria for the final synthesis. The selected studies were analyzed using thematic analysis to identify major themes, research gaps, and conceptual relationships among the variables. The findings reveal that maqasid al-shariah has predominantly been employed as a normative framework for performance evaluation rather than as an operational foundation for risk management. The literature on financial risk, Shariah compliance risk, digital risk, governance, and sustainability also remains fragmented. Furthermore, no comprehensive model has explicitly translated the objectives of maqasid al-shariah into the processes of risk identification, measurement, mitigation, and monitoring. This study proposes an integrative maqasid-based risk governance framework that positions the protection of religion (hifz al-din), wealth (hifz al-mal), life (hifz al-nafs), intellect (hifz al-'aql), and progeny (hifz al-nasl) as the ethical foundation of Islamic bank risk management. The findings provide practical implications for regulators, Shariah Supervisory Boards, and Islamic bank management in developing risk management systems that are more equitable, accountable, and sustainable.
TRANSFORMASI DIGITAL PADA LEMBAGA KEUANGAN MIKRO SYARIAH: ANALISIS IMPLEMENTASI, TANTANGAN, DAN STRATEGI PENGEMBANGAN BMT DI INDONESIA Riyan Damara Putra; Shalahudin Habibullah; Fatih Fuadi
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2025): November (2025)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/4h9v5v23

Abstract

Digital transformation in Islamic microfinance institutions, particularly Baitul Maal wat Tamwil (BMT), has become a strategic approach to expanding digital financial inclusion while improving the operational efficiency of community-based financial institutions. This study aims to examine the implementation of digital transformation in Indonesian BMTs, identify key challenges, and formulate development strategies aligned with Islamic principles. A Systematic Literature Review (SLR) was employed by analyzing peer-reviewed journal articles, institutional reports, and policy publications issued between 2020 and 2025. The findings indicate that BMTs with adequate asset capacity and governance structures are more prepared to adopt digital technologies comprehensively, particularly in transaction services, financing processes, and financial reporting. Digitalization initiatives in selected BMTs have demonstrated measurable improvements in operational efficiency and service outreach. Nevertheless, most BMTs remain at basic to intermediate stages of digital adoption due to infrastructure constraints, limited digital literacy among human resources, and regulatory complexity. This study emphasizes that BMT digital transformation should be implemented gradually, contextually, and in accordance with Islamic values, supported by collaboration with the Islamic fintech ecosystem and regulatory policy frameworks.
Co-Authors Dewi Risyantika Fatih Fuadi Hotman Laili Fathul Hidayah Reska Maulida Ridwansyah Ridwansyah Shalahudin Habibullah Syamsul Hilal Wan Ruslan Abdul Ghani