Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam
Vol. 9 No. 1 (2026): Juni

STRATEGI RESILIENSI PEDAGANG MUSLIM DALAM MENGHADAPI PRAKTIK RIBA: ANALISIS BERBASIS MAQASHID SYARIAH

Budiarti Lestari (Universitas Islam Negeri SALATIGA)
Inas Septa Hidayati (Universitas Islam Negeri Salatiga)
Agus Waluyo (Universitas Islam Negeri Salatiga)
Rina Rosia (Universitas Islam Negeri Salatiga)



Article Info

Publish Date
30 Jun 2026

Abstract

Usury  practices in trading activities pose a systemic threat to the moral and financiaal aspects of Muslim traders. This study aims to formulate a resilience strategy model for Muslim traders facing usurious ecosystems based on Imam AsSyatibi's Maqashid Shariah perspective. The research method used is qualitative descriptive with a literature study approach (library research). The results indicate that usurious capital infiltration destroys macro- welfare pillars in the aspects of hifz ad-din, hifz al-mal, and hifz an nafs, which triggers tatfif (weight fraud). As a solution, two dimensions of resilience are formulated : the micro level through the Kulli-Juz'i Theory (barakah-oriented reframing and zuhud bisnis) and the macro level the Al Wujud bil Kul li-Hifzhil-Kulli Theory (social caapital optimization and arisan modal). In conclusion, this dual resilience model successfully breaks structural dependency on moneylenders and maintains the spiritual independence of traders. Kata kunci: Maqashid Shariah, usury, Trader Resilience, As-Syatibi.  

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Journal Info

Abbrev

istismar

Publisher

Subject

Religion Economics, Econometrics & Finance Social Sciences

Description

Istismar merupakan Jurnal Ekonomi dan Bisnis Islam yang menerima naskah asli di bidang Ekonomi Islam, termasuk laporan penelitian, penerapan teori, studi kritis, dan tinjauan literatur. Penyebaran Ekonomi Islam meliputi : Keuangan Syariah dan Pasar Modal, Perbankan Syariah, Manajemen Bisnis Islam, ...