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All Journal Jurnal Ekonomi : Journal of Economic INFERENSI Kodifikasia: Jurnal Penelitian Islam JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Indonesia Journal of Halal JURNAL PENDIDIKAN TAMBUSAI FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Business, Economics and Entrepreneurship Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Cendekia Niaga Al-Sharf: Jurnal Ekonomi Islam Jurnal Investasi Islam MUBEZA Pemikiran Hukum dan Ekonomi Islam Journal of Islamic Economic and Business Research Journal Of Sharia Banking ProBisnis : Jurnal Manajemen Al-Buhuts (e-journal) EKSYA: Jurnal Ekonomi Syariah International Journal Mathla'ul Anwar of Halal Issues Al Dzahab Jurnal Riset Ekonomi Syariah Al-Iqtishad : Jurnal Ekonomi Saree : Research in Gender Studies Al Hisab: Jurnal Ekonomi Syariah Journal of Islamic Economics and Finance AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Amal: Jurnal Ekonomi Syariah Ekonom : Jurnal Ekonomi dan Bisnis AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Al-ittifaq JSE: Jurnal Sharia Economica Jurnal Bisnis dan Ekonomi Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah J-ISCAN : Journal of Islamic Accounting Research JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Tijarah Malik Al-Shalih Mu'amalatuna: Jurnal Ekonomi Syariah Jurnal Kolaborasi Akademika Taraadin : Jurnal Ekonomi dan Bisnis Islam Seumike : Society Progress Journal J-EBI Jurnal Ekonomi dan Bisnis Islam Journal Of Economic Cluster
Malahayatie, Malahayatie
Universitas Islam Negeri Sultanah Nahrasiyah Lhokseumawe
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The Mosque Waqf Model In The Concept Of Justice In The Distribution Of Wealth To The Community In Indonesia Ayu Tridayana; Malahayatie; Taufiq
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 2 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i2.6729

Abstract

This research examines mosque waqf management models in the context of wealth distribution justice in Indonesia, with the aim of understanding and mapping mosque waqf management practices on the islands of Sumatra, Java, and Kalimantan. The background of the problem raised is the inequality in the distribution of benefits of mosque waqf which is still consumptive and less productive, despite the enormous potential of waqf assets. The research method used is a literature review, with analysis of various relevant secondary data sources. The results show that mosque waqf management in Indonesia is still dominated by traditional approaches that prioritize physical development, while efforts to utilize assets productively are still limited. The conclusion of this study emphasizes the need for a more sustainable and productive mosque waqf management model to reduce economic inequality and improve community welfare
Development of Islamic Economic Concepts in Mohammad Hatta's Thoughts on People's Economy: An Analytical Study of Cooperatives and Society Malahayatie; Ramadhana, Safna; Rizki, Munawar
Journal of Islamic Economic and Business Research Vol. 5 No. 2: December 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i2.427

Abstract

This study analyzes the development of Islamic economic principles within Mohammad Hatta’s concept of the people’s economy, with a focus on the cooperative system as a foundational instrument for achieving economic justice and social welfare. Using a qualitative library research methodology, the analysis focuses on Hatta’s major economic works, which discuss the structure, objectives, and ethical foundations of cooperatives in relation to Islamic economic values. The purpose of this study is to explore how Hatta conceptualizes the people’s economy and to examine the extent to which his ideas align with and contribute to the development of Islamic economic thought. The findings reveal that Hatta’s model of the people’s economy emphasizes collective ownership, social solidarity, self-help, and economic democracy through production, credit, and consumption cooperatives, all of which reflect principles of fairness, mutual assistance, and moral responsibility. The study further finds that the values embedded in Hatta’s economic vision are consistent with Islamic principles such as Tawhid, Mashlahah, justice, cooperation, and voluntary consent in transactions. However, certain cooperative practices, particularly in consumption and credit structures, require reform to eliminate debt-based mechanisms and penalties that conflict with sharia provisions on leniency and prohibitions against exploitation. This study concludes that Hatta’s people’s economy presents a strong philosophical and practical foundation for the advancement of Islamic economics, offering a model that integrates ethical values with social empowerment and economic inclusivity.
Relevansi Kebijakan Keuangan Publik Umar bin Abdul Aziz dalam Menjawab Tantangan Ekonomi Indonesia Malahayatie, Malahayatie; Haura Safira
Jurnal Riset Ekonomi Syariah Volume 5, No. 2, Desember 2025 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v5i2.7196

Abstract

Abstract. Poverty, economic disparity, and inefficiency in public budgets remain significant obstacles to Indonesia's economic growth. Based on the ideas of justice, efficiency, and social welfare, this study seeks to assess the application of Umar bin Abdul Aziz's public finance policies in the face of Indonesia's economic difficulties. Using a descriptive qualitative method based on literature study, this research examines Umar bin Abdul Aziz's policies in zakat management, tax reform, and budget efficiency. The findings of this study show that Umar bin Abdul Aziz's policies such as zakat-based wealth redistribution, elimination of discriminatory taxes, and budget allocation focused on the needs of the people succeeded in promoting economic justice and reducing poverty. These findings are relevant to Indonesia's current conditions, particularly in terms of increasing budget transparency, strengthening results-based fiscal policies, and integrating zakat instruments into the national financial system. This research offers theoretical and practical approaches for policymakers to create a more equitable and welfare-oriented public finance system. Abstrak. Kemiskinan, kesenjangan ekonomi, dan inefisiensi dalam anggaran publik masih menjadi hambatan yang signifikan bagi pertumbuhan ekonomi Indonesia. Berdasarkan gagasan keadilan, efisiensi, dan kesejahteraan sosial, penelitian ini berusaha untuk menilai penerapan kebijakan keuangan publik Umar bin Abdul Aziz dalam menghadapi kesulitan ekonomi Indonesia. Dengan menggunakan metode kualitatif deskriptif berbasis studi pustaka, penelitian ini mengkaji kebijakan Umar bin Abdul Aziz dalam pengelolaan zakat, reformasi pajak, dan efisiensi anggaran. Temuan-temuan penelitian ini menunjukkan bahwa kebijakan Umar bin Abdul Aziz seperti redistribusi kekayaan berbasis zakat, penghapusan pajak yang diskriminatif, dan alokasi anggaran yang difokuskan pada kebutuhan masyarakat berhasil mendorong keadilan ekonomi dan menurunkan angka kemiskinan. Temuan tersebut relevan dengan kondisi Indonesia saat ini, terutama dalam peningkatan transparansi anggaran, penguatan kebijakan fiskal berbasis hasil, serta integrasi instrumen zakat dalam sistem keuangan nasional. Penelitian ini menawarkan pendekatan teoritis dan praktis bagi pembuat kebijakan untuk menciptakan sistem keuangan publik yang lebih adil dan berorientasi pada kesejahteraan masyarakat.
KONSEP HALAL HARAM DALAM EKONOMI ISLAM Nurjaijah Lingga; Malahayatie Malahayatie
J-EBI Jurnal Ekonomi dan Bisnis Islam Vol 3 No 02 (2024): Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam K.H. Sufyan Tsauri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57210/j-ebi.v3.i02.76

Abstract

In the context of growing globalization, understanding the concepts of halal and haram in Islamic economics is crucial. This concept functions as a guide to determine the legality of actions and reflects the moral and ethical values ​​in Islamic teachings. Halal means “permitted” and haram means “prohibited,” both of which underlie Muslims' economic decisions. The main sources of this concept are the Koran and Hadith, but its application is increasingly complex along with innovations in financial instruments and market developments. This type of research is library research with a qualitative approach. This research pays more attention to the concepts of halal and haram in the lives of Muslims which are clearly outlined in the Naqli proposition. The research results show that Islam teaches that the rules of halal (mubah) and haram are not determined by the needs of individuals or society. Halal has become an integral part of the value framework in Islamic science, functioning as a guideline that directs the behavior of the community. Thus, it can be concluded that halal philosophy includes several aspects. From an ontological perspective, halal is related to understanding the nature of something. From an epistemological perspective, halal rules are related to efforts to understand Islam correctly through a proper study process. This includes efforts or "ijtihad" to apply halal rules in sharia economic transactions. Meanwhile, from an axiological perspective, halal rules play an important role in providing appropriate guidance for humans in living their lives.
OPTIMALISASI PEMANFAATAN HARTA WARISAN : KUNCI MENINGKATKAN EKONOMI KELUARGA Windatria Windatria; Malahayatie Malahayatie; Taufiq Taufiq
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/y10qf332

Abstract

The distribution of wealth in Islam is a strategic instrument for achieving social justice and equitable welfare. One important mechanism in this distribution is the inheritance system (faraidh), which not only functions as a mechanism for transferring wealth between generations, but also as a means of maintaining economic balance and family harmony. This study aims to analyze the optimization of inheritance utilization in supporting family economic empowerment and to identify various challenges faced in its management. This study uses a qualitative approach based on literature review by examining various research results related to productive inheritance management. The results of the study show that transparent, fair, and Sharia-compliant inheritance management has the potential to improve the welfare of heirs, strengthen family solidarity, and create sustainable business opportunities. However, a lack of understanding of faraidh law, conflicts between heirs, and weak legal documentation are major challenges that often hinder the optimization of inheritance assets. Therefore, education, open communication, and professional asset management are needed so that inheritance assets can contribute maximally to the economic development of the community.
TRANSFORMASI PERILAKU INDUSTRI DAN IMPLEMENTASI SYARIAH PADA UMKM HALAL DI ERA DIGITAL: Studi Kasus Umkm Halal “Dapoer Yesi” Di Kota Lhokseumawe Azkia Munira; Malahayatie
J-EBI Jurnal Ekonomi dan Bisnis Islam Vol 5 No 01 (2026): Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam K.H. Sufyan Tsauri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57210/j-ebi.v4.i02.172

Abstract

Industrial behavior has undergone a significant transformation from conventional market frameworks to adaptations required by digital disruption, with meaningful implications for SME actors, particularly in the halal industry sector. This study aims to investigate the dynamics of industrial behavior changes concerning perfect competition, imperfect competition, and the era of digital disruption, and to relate these changes to the implementation of Sharia principles in halal SMEs. The methodology employed is qualitative descriptive, using literature review and field observation. The field study focuses on the home-based cake business “Dapoer Yesi” located in Lhokseumawe. The findings indicate that halal SME industrial practices successfully integrate efficiency, technological innovation, and Sharia values throughout business operations. Despite challenges related to regulations and accessibility of halal certification information, dedication to halal-thayyib principles remains strong among SME actors. This study highlights the need for supportive policies aimed at promoting digitalization and facilitating halal certification, enabling halal SMEs to grow and compete ethically and effectively in an evolving market landscape.
PERKEMBANGAN EKONOMI DALAM PEMIKIRAN PERSPEKTIF STUDI ISLAM Malahayatie Malahayatie; Nurul Wahdini; Asra Asra; Nora Maulana
Al-Buhuts Vol. 20 No. 1 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i1.4403

Abstract

This research tries to examine the economic theories of previous Muslim thinkers which are considered very important for maintaining and developing the treasures of Islamic economics. The study was carried out using descriptive qualitative methods with data collection techniques using literature reviews or literature studies. The analysis of research data is studied by means of data reduction, data presentation and finally drawing conclusions. because the study is focused on library material by searching, reviewing and recording various literature in accordance with academic standard discussion points. This discussion is syntactically integrated, that is, it follows certain rules that can be logically connected to each other with the basic data observed. The research results show that in the Islamic perspective, Allah SWT is the supreme owner of everything on earth. Islam sees the economy as having to be run with a view towards property ownership. Human ownership is only relative and is limited to managing and using resources according to His instructions. In Islam, asset status is a direction or entrustment from Allah SWT to humans who are capable as His creatures. The idea of Islamic economic development forces and encourages humans to realize their true nature, namely the emergence of harmony between happiness in this world and the hereafter. Islamic development places a strong emphasis on moral and spiritual elements apart from outward manifestations which are not emphasized by conventional development. This research contributes to expanding public literacy regarding the theory and development of Islamic economics. It is hoped that the results of the study can become reference material and a source of reference in making decisions and making policies related to Islamic economic activities.
Model Pemberdayaan Ekonomi Pedesaan Menuju Gampong Green Economics Malahayatie Malahayatie; Mutia Rahmi; Yani Rizal; Surya Fatma
Seumike : Society Progress Journal Vol. 1 No. 1 (2025): SEUMIKE
Publisher : Bansigom Na Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64826/seumike.v1i2.0047

Abstract

Model pemberdayaan ekonomi pedesaan menuju gampong Green Economics bertujuan untuk menciptakan sistem pertanian berkelanjutan dengan menerapkan prinsip-prinsip ekonomi hijau. Fokus utama model ini mencakup pengembangan pertanian organik, pemanfaatan energi terbarukan, pengelolaan limbah yang efektif, dan penggunaan teknologi digital untuk pemasaran produk pertanian. Metodologi yang digunakan dalam penelitian ini meliputi seminar, diskusi, dan sesi tanya jawab interaktif untuk meningkatkan pemahaman dan keterlibatan masyarakat desa. Hasil dari kegiatan ini menunjukkan bahwa partisipasi aktif peserta menghasilkan ide-ide inovatif serta solusi praktis untuk tantangan yang dihadapi dalam implementasi ekonomi hijau. Penerapan teknologi digital memungkinkan petani memasarkan produk mereka secara lebih efisien dan menjangkau pasar yang lebih luas. Selain itu, pengelolaan limbah yang efektif dapat mengubah limbah menjadi sumber daya baru. Dengan pendekatan ini, diharapkan terjadi peningkatan kesejahteraan masyarakat pedesaan serta terciptanya lingkungan yang lebih bersih dan berkelanjutan. Model ini tidak hanya memberikan manfaat ekonomi tetapi juga mendukung pelestarian lingkungan, menjadikannya langkah strategis dalam pembangunan pedesaan yang berkelanjutan dan inklusif.  
Transformasi Keuangan Komunitas: Implementasi Pembukuan Online untuk Toko Kelontong di Sepanjang Urban Ramindra Rd Eliana Eliana; Malahayatie Malahayatie; Rahma Nurzianti; Yani Rizal
Seumike : Society Progress Journal Vol. 1 No. 2 (2025): SEUMIKE
Publisher : Bansigom Na Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64826/seumike.v1i2.0063

Abstract

Artikel ini membahas transformasi keuangan komunitas melalui implementasi sistem pembukuan online pada toko kelontong yang tersebar di sepanjang kawasan urban Ramindra Rd. Dalam era digitalisasi yang terus berkembang, toko kelontong tradisional menghadapi tantangan dalam pengelolaan keuangan yang efisien dan transparan. Penelitian ini bertujuan untuk mengevaluasi dampak penggunaan aplikasi pembukuan digital terhadap peningkatan literasi keuangan, efisiensi operasional, serta keberlanjutan usaha mikro di lingkungan urban. Metode penelitian menggunakan pendekatan studi kasus dengan observasi langsung, wawancara, dan analisis data keuangan sebelum dan sesudah implementasi sistem. Hasil menunjukkan bahwa digitalisasi pembukuan mampu meningkatkan akurasi pencatatan, mempercepat proses pengambilan keputusan, serta memperkuat daya saing toko kelontong di tengah persaingan modern retail. Kesimpulan dari studi ini menekankan pentingnya pelatihan dan pendampingan berkelanjutan dalam penerapan teknologi digital bagi pelaku usaha mikro agar transformasi keuangan komunitas dapat berlangsung secara inklusif dan berkelanjutan.
Digital Islamic Finance, Halal Value Chains, and Financial Inclusion among Halal MSMEs in Aceh Nur Syarifatul Isra; Malahayatie
Journal of Islamic Economic and Business Research Vol. 6 No. 1: June 2026
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v6i1.609

Abstract

This study examines the effect of Digital Islamic Finance on the Financial Inclusion of halal Micro, Small, and Medium Enterprises (MSMEs) in Aceh, Indonesia, with the Halal Value Chain serving as a moderating variable. The study aims to determine whether Digital Islamic Finance enhances access to formal financial services among halal MSMEs and whether the Halal Value Chain strengthens this relationship. A quantitative approach was employed using data collected from 300 halal MSMEs in Aceh. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate the relationships among the proposed constructs. The findings reveal that the Halal Value Chain has a positive and significant effect on Financial Inclusion and that Digital Islamic Finance positively influences the Halal Value Chain. However, Digital Islamic Finance does not directly affect Financial Inclusion. The moderation analysis indicates that the Halal Value Chain significantly strengthens the relationship between Digital Islamic Finance and Financial Inclusion. These results suggest that digital Islamic financial services are more effective in promoting financial inclusion when supported by a well-developed halal business ecosystem. This study contributes to the growing literature on Islamic finance and financial inclusion by providing empirical evidence from a regional Islamic economic context. The findings imply that policymakers should strengthen halal ecosystem development, while Islamic financial institutions should expand digital financial services tailored to halal MSMEs. In addition, MSME stakeholders are encouraged to enhance their integration into halal value chain networks to improve access to formal financial services and support sustainable business growth.
Co-Authors Abubakar Iskandar Adzkia, Salsabila Agus Ariyanto Aina Salsabila Akmalia, Nurul Ali Muhayatsyah Amirul Mukminin Anatasha, Syaira Armanda, Dicky Asra Asra Ayu Tridayana Azkia Munira Balqis, Yasmina Eliana Eliana Erlidawati Erlidawati Eva Heliza Hartanti Dewi Hasan Syakri, wulan Gustina Putri Haura Safira Heny Rofizar Hira Sulfiana Imeliani, Sandrina Dimas Indradewa, Rhian Irmayani Irmayani Isra Maulina Lestari, Arum Fitri Luthfy Arwiya Mahira, Ulva Maliya, Laina Maryamah Maryamah Maulana, Nora MIFTAHUL JANNAH Miftahul Jannah Muhammad Naufal, Muhammad Muhayatsyah, Ali Munawar Rizki Jailani Muslina Mutia Rahmi Mutia Rahmi Nabilah Putri Andini Naila Tasya Nora Maulana Nur Syarifatul Isra Nurhasanah, Ishma Nuril Husna Nurjaijah Lingga Nurul Wahdini Oktafiani, Fina Panira, Sismaul Putri, Delima Oktaviani Qusairy, Rayhan Rahma Nurzianti Rahmawati Rahmawati Rahmawati, Rahmawati Rahmi, Mutia Rakhilia, Dedek Ramadani, Sari Ramadhana, Safna Rani Andriani, Rani Razali Razali Razali, Ramadhan Rehan, Muhammad Riska Nanda Safira, Haura Safrina, Lia Salvia, Putri Nabila Siti Nurhaliza Surya Fatma Suryani Suryani Syaputri, Rahmi Taufiq Taufiq Taufiq Trie Nadilla Uswatun Hasanah wati, asiah Windatria Windatria Wira, Wiranda Wiranda Yani Rizal Yani Rizal Yulyani Fitri Zhohra, Fatimah Zuhra Tarina, Indah Vellicia Zulfahmi Zulfikar Zulia (IAIN Lhokseumawe), Silvina