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All Journal JISEI: Journal of Islamic Studies and Educational Innovation
Deden Hidayat
Sekolah Tinggi Agama Islam La Tansa Mashiro, Banten
Religion Education Languange, Linguistic, Communication & Media Other

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The Meaning and Experience of Muslim UMKM Actors on the Application of Sharia Economic Principles in Micro-Business Management A Phenomenological Study in Indonesia Deden Hidayat; Osmiati Osmiati
JISEI: Journal of Islamic Studies and Educational Innovation Vol. 2 No. 1 (2026): JISEI: Journal of Islamic Studies and Education Innovation (March 2026)
Publisher : LP3M Pascasarjana STAI Ibnurusyd

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61094/jisei.v2i1.149

Abstract

This study explores the meaning and lived experiences of Muslim micro, small, and medium enterprise (UMKM) actors in applying Sharia economic principles within micro-business management in Indonesia. Using a phenomenological approach, this research seeks to understand how Islamic values such as honesty (ṣidq), trustworthiness (amānah), justice (‘adl), and the prohibition of riba are interpreted and practiced in daily business activities. Data were collected through in-depth interviews, observations, and documentation involving selected Muslim UMKM actors who actively integrate Sharia principles into their businesses. The findings reveal that the application of Sharia economic principles is not merely normative but becomes a moral and spiritual foundation guiding business decisions, financial management, and customer relations. Participants perceive their businesses not only as profit-oriented entities but also as a form of worship (‘ibādah) and social responsibility. However, challenges remain, including limited literacy on Islamic finance, market competition, and inconsistencies in implementation. Despite these obstacles, the commitment to ethical business practices rooted in Islamic teachings strengthens trust, sustainability, and business resilience. This study contributes to the development of Islamic economic discourse by highlighting the experiential dimensions of Sharia implementation at the micro level, offering insights for policymakers, educators, and practitioners in promoting inclusive and value-based economic practices in Indonesia.
Educational Investment, Islamic Values, and Human Capital Formation A Maqāṣid-Based Framework for Contemporary Education Deden Hidayat; Budiman Budiman; Noorma Yunia; Maskur Maskur
JISEI: Journal of Islamic Studies and Educational Innovation Vol. 2 No. 2 (2026): JISEI: Journal of Islamic Studies and Education Innovation (June 2026)
Publisher : LP3M Pascasarjana STAI Ibnurusyd

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61094/jisei.v2i2.213

Abstract

This study aims to develop a conceptual framework regarding the relationship between educational investment, Islamic values, and human capital formation through the maqāṣid al-syarī'ah approach. The research is motivated by the dominant Human Capital paradigm that views education as an economic investment to increase productivity and competitiveness, but has not yet comprehensively accommodated the spiritual, moral, and social dimensions. The study uses a qualitative approach with a library research type. Data analysis was conducted using content analysis techniques through the stages of data reduction, categorization, interpretation, and conceptual synthesis. The results show that maqāṣid al-syarī'ah is able to become an integrative paradigm in expanding the concept of educational investment through five main dimensions, namely ḥifẓ al-dīn, ḥifẓ al-nafs, ḥifẓ al-'aql, ḥifẓ al-nasl, and ḥifẓ al-māl. The integration of Human Capital theory and the maqāṣid al-syarī'ah (Islamic principles) produces the Maqāṣid-Based Human Capital Framework, which connects intellectual, spiritual, moral, social, and economic dimensions as indicators of holistic human capital development. This model provides a theoretical contribution to the development of Islamic education and serves as a conceptual foundation for formulating educational policies oriented toward productivity, character, welfare, and sustainable human resource development in the era of digital transformation.
Co-Authors Budiman Budiman Maskur Maskur Noorma Yunia Osmiati Osmiati