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Al-Muqayyad
Published by STAI Auliaurrasyidin Tembilahan
ISSN : 26148102     EISSN : 27153177     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
AL MUQAYYAD adalah Jurnal Program Studi Ekonomi Syariah STAI Auliaurrasyidin Tembilahan yang memuat tentang hasil penelitian, gagasan konseptual, review buku baru, studi naskah dibidang ekonomi keislaman dan keilmuan. Jurnal Al Muqayyad diharapakan mampu menjadi wadah bagi dosen dan praktisi ekonomi islam untuk menerbitkan tulisan ilmiah. Harapan besar tentu semoga jurnal Al Muqayyad dapat dimanfaatkan secara positif di bidang program studi ekonomi syariah.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 115 Documents
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Analisis kepatuhan syariah (Sharia compliance) dalam implementasi pembiayaan pada KSPPS BMT Indragiri cabang Pasir Pengaraian Syukri Rosadi; Rozi Andrini
AL-Muqayyad Vol. 9 No. 1 (2026): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v9i1.3693

Abstract

This study aims to analyze the level of sharia compliance in the implementation of financing and to identify the factors influencing the application of sharia principles at the Islamic Savings and Financing Cooperative BMT Indragiri Branch Pasir Pengaraian. This research employs a qualitative approach using a field research method. Data were collected through interviews, observations, and documentation involving 25 informants consisting of the cooperative chairman, BMT management, financing members, and surrounding community members. The data analysis technique used the interactive model of Miles and Huberman, which includes data reduction, data display, and conclusion drawing. The results indicate that financing implementation has applied sharia contracts such as murabaha, mudharabah, and musyarakah, supported by clear and transparent contract documentation. However, members’ understanding of sharia contract concepts remains limited. Influencing factors include human resource competence, sharia supervision systems, sharia financial literacy, and institutional support. Therefore, strengthening literacy and supervision is necessary to ensure optimal and sustainable sharia compliance implementation.
Pengaruh jumlah uang beredar, suku bunga, dan inflasi terhadap pertumbuhan ekonomi di Indonesia tahun 2012–2024 ditinjau dalam perspektif ekonomi Islam Sinta Tri Utami; Muhammad Iqbal; M. Yusuf Bahtiar
AL-Muqayyad Vol. 9 No. 1 (2026): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v9i1.3715

Abstract

This study aims to analyze the influence of money supply, interest rates, and inflation on economic growth in Indonesia for the 2012-2024 period using the VECM with quarterly data of 52 observations. The cointegration test results indicate a long-term relationship among the variables. In the long run, inflation has a significant effect on GDP, while money supply has a negative but very small effect, and interest rates have no significant effect. Overall, the three monetary variables collectively contribute less than 1% to GDP variations, thus they are not the main factors driving economic growth. The policy implications of these findings include the need to prioritize inflation control and reevaluate the effectiveness of interest rate instruments and money supply expansion in promoting growth. The contribution of this research lies in using a study period that covers various economic shocks (taper tantrum, pandemic, and recovery) and applying the VECM method capable of separating short-run and long-run effects. From the perspective of Islamic economics, these findings support the principles of distributive justice and the prohibition of usury (riba), as interest-based instruments prove ineffective, making the development of Sharia-based monetary policy through profit-sharing schemes a more relevant and equitable alternative.
Digitalisasi pembiayaan mikro dan perlindungan harta (Hifdz al-mal): Studi kasus pada BMT NU Kalitidu Shofa Robbani; Diah Dwi Rizki Putri Qomariyah; Muhammad Khoirul Anam; Reza Agustina; Neli Luluatul Isro’iyah
AL-Muqayyad Vol. 9 No. 1 (2026): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v9i1.3734

Abstract

This research is motivated by limited literature on BMT core system digitalization policies in mitigating financing risks and ensuring capital distribution for rural UMKM. This research gap underlines the urgency of analyzing the digitalization of BMT NU Kalitidu from a Maqasid Syariah perspective. The method used is descriptive qualitative through a case study design with primary and secondary data. Results show that adopting PT USID's centralized data architecture substantively enforces the pillar of hifdz al-mal (protection of wealth). Empirical achievements record up to 90% reduction in member complaints via WhatsApp Gateway and 100% financial track record detection accuracy during initial screening through SLIK OJK integration. This digitalization successfully deconstructs sociological nepotism bias into non-discriminatory, data-driven credit scoring to realize distributive justice. Another finding shows digital administration utilization for the naqlul yad contract in the agribusiness sector. Technology is concluded as a vital managerial instrument to actualize Maqasid Syariah values.
Kontribusi BUMDes Harapan Kita terhadap kesejahteraan masyarakat dalam perspektif ekonomi syariah: Kajian maslahah di Desa Loa Kulu Kota Kabupaten Kutai Kartanegara Santi Eka Panasiah; Muhammad Ravi Irdi Abdillah
AL-Muqayyad Vol. 9 No. 1 (2026): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v9i1.3930

Abstract

Village economic development requires local institutions that are trustworthy, fair, and oriented toward public benefit. This study analyzes the contribution of BUMDes Harapan Kita Loa Kulu Kota to improving community economic welfare from the perspective of maqashid sharia. This research employed a descriptive qualitative approach involving 10 purposively selected informants, including the village head, BUMDes managers, staff, business-unit workers, partners/UMKM actors, and benPeraeficiary residents. Data were collected through interviews, observation, and documentation. Welfare indicators included income improvement, job creation, business opportunities, access to economic services, utilization of village assets, and contribution to village revenue. The findings show that vessel piloting services, rice sales, payment services, waste collection, UMKM land rental, and business partnerships created local employment, improved community economic services, and generated the highest net profit of Rp323,566,336 in 2023. From the maqashid sharia perspective, these contributions reflect amanah, ta’awun, justice, maslahah, and hifz al-mal.
Implementasi program pemberdayaan desa melalui Usaha Ekonomi Desa Simpan Pinjam (UED-SP): Analisis maqasid al-syari'ah di Kabupaten Indragiri Hilir Siti Aisyah; Sofyan Sulaiman
AL-Muqayyad Vol. 9 No. 1 (2026): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v9i1.3979

Abstract

This study analyzes the implementation of the Village Empowerment Program through the Village Savings and Loan Enterprise (UED-SP) in Indragiri Hilir Regency from the perspective of maqasid al-syariah. Unlike previous studies focusing primarily on program effectiveness, this research evaluates both institutional governance and financing practices based on Islamic economic principles. This qualitative field study employed purposive sampling. Data were collected through in-depth interviews, observations, documentation, and literature review and analyzed using the interactive model, consisting of data condensation, data display, and conclusion drawing/verification. The findings show that UED-SP has strengthened rural economic empowerment through productive financing, social programs, and institutional capacity building. However, its financing mechanism still applies an interest-based system, which is inconsistent with maqasid al-syariah, particularly the protection of wealth (ḥifẓ al-māl). This study contributes to Islamic economics by demonstrating that effective village empowerment requires both sound institutional governance and Sharia-compliant financing. It recommends adopting Sharia-based contracts to promote sustainable, equitable, and Sharia-oriented rural development.

Page 12 of 12 | Total Record : 115

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