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All Journal Al-Muamalat : Jurnal Ekonomi Syariah LAN TABUR: JURNAL EKONOMI SYARIAH
Bachrul Ulum
Institut KH Yazid Karimullah
Humanities Economics, Econometrics & Finance Social Sciences

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Cash Waqf in the Era of the Industrial Revolution 4.0 in Sharia Financial Institutions from a Sharia Economic Perspective Bachrul Ulum; Miftahul Ulum
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.150

Abstract

This study examines the issue of cash waqf management in the Industrial Revolution 4.0 era, particularly in Islamic Financial Institutions, which is characterized by the digitalization of financial services, fintech innovation, and changes in people's transaction behavior. The research focuses on how the integration of digital technology can increase the effectiveness, transparency, and accountability of cash waqf management in accordance with Islamic economic principles. The purpose of this study is to analyze the role of Islamic Financial Institutions in optimizing technology-based cash waqf, identify implementation challenges, and formulate a management model that aligns with the maqasid of sharia. The study uses a qualitative approach with a literature review method and descriptive-analytical analysis of regulations, scientific literature, and digital-based cash waqf practices in Indonesia. The results show that the use of digital platforms, electronic payment systems, and technology-based reporting can expand waqf participation, increase fundraising efficiency, and strengthen public trust. However, challenges remain in digital literacy, sharia supervision, and data security. In conclusion, digital transformation in the management of cash waqf in Islamic Financial Institutions has great potential to support the economic empowerment of the community if accompanied by strengthening governance, adaptive regulations, and ongoing public education.
Reconstruction of Maqāṣid al-Syarī‘ah fī Ḥifẓ al-Māl in Responding to Doom Spending Among Generation Z and the Implications for Family Economic Resilience Ubaidillah; Muhammad Yunus; Anita Mauliyanti; Asriadi; Bachrul Ulum; Mahmood Kooria
Al-Muamalat Vol. 13 No. 1 (2026): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v13i1.53964

Abstract

Generation Z increasingly engage in doom spending driven by global economic uncertainty, diminished confidence in long-term financial security, and the pervasive influence of digital consumer culture. This behavior undermines individual financial stability and threatens family and societal economic resilience. The rising prevalence of doom spending among Generation Z has become a significant concern, particularly regarding family economic resilience. Consequently, this study reconstructs Maqāṣid al-Syarī‘ah fī Ḥifẓ al-Māl as a normative and ethical framework to address impulsive, emotion-based consumption among Generation Z couples in the digital economy. Integrating Islamic ethics, psychological coping theory, and contemporary consumption studies, this research employs a qualitative method with descriptive-analytical design. Findings indicate that doom spending negatively impacts family financial stability, exacerbates emotional stress, and conflicts with core Islamic principles including moderation (wasaṭiyyah), contentment (qanā‘ah), and prohibition of extravagance (tabżīr). The study underscores strengthening family economic resilience through digital financial literacy, open financial communication between couples, integration of Islamic consumption values, productive technology utilization, and community-based financial education. By implementing these strategies, Generation Z couples can achieve balanced financial management, enhance household resilience, and align consumption behavior with ethical and spiritual principles. This research contributes to the broader discourse on integrating Islamic value-based approaches into contemporary financial practices and offers a conceptual framework for sustainable, morally responsible household economic management.
Co-Authors Anita Mauliyanti Asriadi Mahmood Kooria Miftahul Ulum Muhammad Yunus Ubaidillah