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All Journal Diponegoro Journal of Islamic Economics and Business Journal of Islamic Economics and Finance Iltizam : Jurnal Ekonomi dan Keuangan Islam Jurnal Bersama Ilmu Ekonomi JEIZA: Jurnal Ekonomi Islam Az-Zain Al-Iqtishad
Naufal Luthfi Alifa
Universitas Islam Negeri Siber Syekh Nurjati Cirebon
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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PENGUATAN PERAN LEMBAGA EKONOMI SYARIAH MELALUI KEBIJAKAN BERKELANJUTAN Muhammad Irfan; Naufal Luthfi Alifa; Daffa Achmad Fakih; Dimas Abdul Hadi
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1382

Abstract

Islamic economic institutions are expected to serve as key drivers of equitable and inclusive development grounded in the values of maq?????id al-shar????ah. However, current realities indicate limited integration of sustainability principles and a dominant short-term profit orientation, which constrains the social contribution of Islamic institutions to public welfare. This study focuses on public policies aimed at strengthening the capacity and role of Islamic economic institutions in promoting a sustainable financial system; the implementation of sustainable governance (good governance) to enhance stability and public trust in Islamic financial institutions; the institutional integration of green finance and social finance; and cross-sector collaboration strategies among government, academia, and industry to reinforce an inclusive and globally adaptive Islamic economic ecosystem. The research employs a descriptive qualitative method using a literature review and policy analysis approach. The findings indicate that: (1) strengthening Islamic economic institutions requires comprehensive public policy synergies encompassing regulatory, fiscal, and social dimensions; (2) sustainable governance enhances the legitimacy and competitiveness of Islamic financial institutions; (3) the integration of green finance and social finance plays a strategic role in achieving a socially just and environmentally sustainable economic system; and (4) cross-sector collaboration is a critical factor in formulating adaptive policies aligned with maq?????id al-shar????ah amid global change.
PERBANDINGAN DINAMIKA KELEMBAGAAN EKONOMI ISLAM PADA NEGARA BAHRAIN DAN CHINA TERHADAP INKLUSI KEUANGAN SYARIAH Anisa Ramadhani; Naufal Luthfi Alifa
Diponegoro Journal of Islamic Economics and Business Vol 6, No 1 (2026): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.30161

Abstract

Islamic finance and banking conditions have experienced growth and are one of the most widely practiced aspects of Muslims seen in Muslim-majority countries  such as Bahrain, and have spread to many non-Muslim countries like China that has a small Muslim population, but offers great potential and opportunities to study Islamic financial marketing. The research was conducted by focusing on three main aspects, namely: describing the dynamics of Islamic economic institutions in Bahrain and China, explaining the challenges and strategies for strengthening Islamic economic institutions in facing global challenges in Bahrain and China, and analyzing reflective comparisons of Islamic economic institutions in Bahrain and China. This research uses a qualitative approach by reviewing various national and international journals in the 2016-2025 period. The results of the study show that: (1) Bahrain's success and China's progress show that strengthening Islamic economic institutions through regulations, institutional capacity, and technology can be strategic for expanding Islamic financial inclusion in a sustainable manner; (2) Bahrain's successes and challenges, as well as China's obstacles, demonstrate that the effectiveness of Islamic financial inclusion depends on clear regulations, human resource readiness, digital innovation, and adaptive institutional capacity; (3) Reflecting on Bahrain and China, it is shown that regulatory consistency, institutional capacity, prepared human resources, digital integration, and state involvement are crucial for Islamic financial inclusion, so that Indonesia can strengthen governance, standard harmonization, and regional strategic position.
ANALISIS KEBIJAKAN PENGUATAN LEMBAGA KEUANGAN SYARIAH: STUDI PERBANDINGAN INSTITUSI EKONOMI ISLAM DI UEA DAN SERBIA Siti Maghfiroh; Naufal Luthfi Alifa
WELFARE: Journal of Islamic Economics and Finance Vol 5, No 1 (2026)
Publisher : Prodi Perbankan Syariah UIN Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/wifi.v5i1.27667

Abstract

The purpose of this study is to compare the policy direction and development of Islamic economic institutions (IEC) between the United Arab Emirates (UAE), a predominantly Muslim-majority country that is an international Islamic financial center, and Serbia, a Muslim-minority country in Southeastern Europe that offers new opportunities for IEC development. This study uses a descriptive qualitative approach through library research and comparative policy analysis. This study shows that the UAE can implement targeted and centralized regulations, reinforced by government support through institutions such as the Dubai Islamic Economy Development Center (DIEDC). This policy has successfully encouraged an increase in Islamic financial assets and strengthened its market position in several sectors. On the other hand, Serbia still faces structural obstacles, including low public understanding, the absence of adequate Sharia regulations, and limited retail financial products, despite the existence of Islamic banking institutions focused on corporate financing. The results of this comparison offer important lessons for Indonesia regarding the need to strengthen centralized regulations while increasing public literacy in a multicultural context.
Analisis Mekanisme Pasar Perspektif Ibnu Khaldun dan Ibnu Taimiyah Serta Relevansinya Terhadap Ekonomi Modern   Tiara Ainun; Ayla Nafisa Salsabila; Lia Hayatun Nufus; Fiza Aulia Salwa; Nurroisul Haq; Naufal Luthfi Alifa
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2026): Al-Iqtishad: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i2.2085

Abstract

Ideally, market mechanisms are expected to promote efficiency and equitable distribution; however, contemporary economies continue to face challenges such as monopolistic practices and economic inequality. This study aims to examine the concepts of market mechanisms proposed by Ibn Khaldun and Ibn Taymiyyah, compare their economic perspectives, and explore their relevance to the contemporary economic system. The study employs a qualitative descriptive approach through a literature review of academic sources published between 2020 and 2025. The findings reveal that the economic thought of both scholars remains highly relevant, as it integrates market mechanisms with the principles of justice, ethics, and government oversight. Ibn Khaldun viewed the market as a natural system driven by supply, demand, and social stability, whereas Ibn Taymiyyah emphasized ethical conduct and the regulatory role of the state in ensuring market justice. Their ideas offer valuable insights for addressing modern economic challenges, including monopoly, distributive inequality, and the pursuit of the Sustainable Development Goals (SDGs) through the promotion of justice, social welfare, and sustainable development.
Strengthening Sharia Governance and Global Competitiveness through Regulation and Supervision: Penguatan Tata Kelola Syariah dan Daya Saing Global melalui Regulasi dan Pengawasan Imroatus Sholikhah; Lisa Marsela; Nugroho Mukti Syailendra; Naufal Luthfi Alifa
JEIZA : Jurnal Ekonomi Islam Az-Zain Vol. 2 No. 2 (2026): JEIZA : Jurnal Ekonomi Islam Az-Zain
Publisher : Program Studi Ekonomi Syariah & LP2M STAI Az-Zain Sampang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67153/jeiza.2026.v2i2.84

Abstract

Although Islamic financial institutions should ideally implement governance based on the principles of fairness, transparency, and accountability in accordance with Islamic values, the reality of practice shows various structural and institutional obstacles that hinder the achievement of optimal and substantive sharia governance. Therefore, this study aims to analyze how regulation and supervision can strengthen the governance of Islamic financial institutions to be adaptive, accountable, integrated, and responsive to global dynamics, without losing Islamic values as a basis. This study employs a qualitative method using a structured literature review approach with systematic and critical analysis. The results show that: (1) the harmonization of national regulations and international standards supports the stability, credibility, and competitiveness of the industry; (2) standardization and supervision improve accountability and transparency while simultaneously mitigating systemic risks and reducing information asymmetry; (3) the implementation of Islamic value-based Good Corporate Governance strengthens internal governance and enhances the independence and effectiveness of sharia supervisory boards, leading to both formal and substantive compliance; (4) the role of the state and financial authorities is strategic in encouraging innovation, inclusion, and the sustainable strengthening of Islamic financial institutions at both national and global levels.
Perbandingan Dinamika Kelembagaan Ekonomi Islam di Pakistan dan Inggris: Perspektif Peran Regulasi dan Inovasi Produk Silvia Dea Lova; Naufal Luthfi Alifa
Jurnal Bersama Ilmu Ekonomi (EKONOM) Vol. 1 No. 4 (2025): November 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/ekonom.v1i4.334

Abstract

This study aims to comparatively analyze the dynamics of Islamic economic institutions in Pakistan and the United Kingdom, focusing on evaluating major challenges and formulating adaptive and innovative institutional strengthening strategies to promote stability and inclusion in Islamic finance, while providing applicative reflections for sustainable economic development in Indonesia. The research employs a qualitative approach with comparative and descriptive study design, involving data collection through literature review and thematic content analysis to ensure validity through triangulation. Key findings reveal that in Pakistan, Islamic economic institutions develop through low-risk Sharia mutual funds and Islamic banking with strong liquidity but face challenges of low profitability due to non-performing loans and limited instruments; whereas in the UK, regulatory support and product innovations like sukuk drive growth, despite challenges in public literacy and infrastructure. The interpretation of results emphasizes integrating regulatory strengthening, product innovation, and literacy enhancement as primary strategies, concluding that this comparative model can serve as a foundation for developing Islamic economics in Indonesia that supports sustainable, inclusive, and socially-environmentally oriented MSMEs.
IMPLEMENTASI ZAKAT DAN WAKAF DALAM KEBIJAKAN FISKAL: IMPLIKASI TERHADAP KESEJAHTERAAN SOSIAL DAN PEMBANGUNAN EKONOMI Achmad Faozan; Rifqotul Maula; Khofifah Nuraniyah; Naufal Luthfi Alifa; Abdul Aziz
Iltizam : Jurnal Ekonomi dan Keuangan Islam Vol. 2 No. 2 (2025): Iltizam : Jurnal Ekonomi dan Keuangan Islam
Publisher : Fakultas Syariah dan Ekonomi Islam Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/iltizam.v2i2.6391

Abstract

Tujuan penelitian ini untuk mengurai secara mendalam implementasi zakat dan wakaf di Indonesia dalam kebijakan fiskal, serta implikasinya terhadap kesejahteraan sosial dan pertumbuhan ekonomi. Penelitian ini menggunakan pendekatan kualitatif deskriptif. Dalam penelitian ini, menghasilkan suatu kesimpulan bahwa implementasi zakat dan wakaf dalam kebijakan fiskal diatur dalam undang-undang. Implikasi zakat dalam kesejahteraan sosial adalah memberikan kebermanfaatan sosial mustahik, adapun dalam pertumbuhan ekonomi zakat produktif seperti pemberdayaan mustahik dalam berniaga. Implikasi wakaf terhadap kesejahteraan sosial seperti pengadaan lahan untuk tempat pendidikan dan kesehatan. Adapaun implikasi wakaf terhadap pertumbuhan ekonomi seperti eksitensi wakaf produktif untuk mengembangkan potensi masyarakat dari wakif.
Co-Authors Abdul Aziz Achmad Faozan Anisa Ramadhani Ayla Nafisa Salsabila Daffa Achmad Fakih Dimas Abdul Hadi Fiza Aulia Salwa Imroatus Sholikhah Khofifah Nuraniyah Lia Hayatun Nufus Lisa Marsela Muhammad Irfan Nugroho Mukti Syailendra Nurroisul Haq Rifqotul Maula Silvia Dea Lova Siti Maghfiroh Tiara Ainun