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SYAHADAT: Journal of Islamic Studies
Published by CV. Academic Solution Publisher
ISSN : -     EISSN : 30639689     DOI : -
Core Subject : Religion, Humanities, Education, Social,
Religion Humanities Social Sciences Other
The focus of SYAHADAT is to provide scientific article of islamic studies that developed in attendance through the article publications, research reports, and book reviews. SYAHADAT welcome papers from academicians on theories, philosophy, conceptual paradigms, academic research, as well as religion practices. In particular, papers which consider the following general topics are invited.
Arjuna Subject : Umum - Umum
Articles 24 Documents
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ANALYSIS OF MAUDHUIY'S TAFSIR METHOD: A THEMATIC APPROACH IN INTERPRETING THE QUR'AN Lubis, Nanang Ardiansyah; Milhan, Milhan
SYAHADAT: Journal of Islamic Studies Vol. 1 No. 3 (2024): September
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/3fajzp54

Abstract

Tafsir Maudhuiy method is a systematic approach in interpreting the Quran based on certain themes, which provides a more holistic and applicable understanding of Islamic teachings. This study describes the history, requirements, steps, analysis, and implications of this method, both in general and in Indonesia. The history of the development of Tafsir Maudhuiy method shows the contribution of figures such as Muhammad Abduh, Rashid Rida, and Quraish Shihab in its development and application. The requirements and steps include mastery of Arabic language, Quranic sciences, and high analytical skills to identify the main themes of the Quran. An analysis of the method highlights its superiority in addressing contemporary issues in Islamic society. The implications of applying this method include the possibility of developing more in-depth and applicable thematic studies, as well as practical guidance for Muslims in dealing with modern challenges. Future projections show a bright prospect with an increased understanding and application of the Tafsir Maudhuiy method in various contexts, although it requires in-depth knowledge and objectivity in the interpretation of the Quran
CHALLENGES AND SOLUTIONS TO INCREASE YOUTH PARTICIPATION IN RELIGIOUS ACTIVITIES S. Adam, Muh. Wahyuddin; Abdulrahman, Anisa; Nawawi, Natasya; Hulopi, Friskilan; Djingo, Sri Meliyanti; Kurniawati, Astrid
SYAHADAT: Journal of Islamic Studies Vol. 1 No. 4 (2024): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/t7m6tg20

Abstract

In modern usage, the word "adolescence" or adolescence comes from the Latin word "adolescence", which means "to grow up" or "to grow into adulthood". The broader meaning of this term includes mental, emotional, social, and physical maturity. Piaget supports this idea by stating that "adolescence is an age at which individuals become integrated into adult society, an age at which they do not feel that they are below the level of older people but feel the same, or at least equal to older people". In simple terms, religion is belief. Based on the KBBI, belief can be interpreted as a control system for believing in and worshiping spiritual beings as well as rules relating to human life and the environment. Human relationships with God and each other are regulated by a system of beliefs and customs known as religion. Based on the research findings above regarding problems and solutions to increase youth participation in religious activities, there are many challenges faced by teenagers today in participating in religious activities in their surrounding environment. Therefore, researchers can conclude that to overcome this problem, material providers must deliver material in a way that is more innovative and relevant to teenagers' daily lives. Apart from that, schools and the community must help by providing supportive facilities. It is hoped that collaboration between mosques, schools and communities can create a positive environment that encourages teenagers to participate in religious activities.
ANALISIS EFEKTIVITAS PEMBIAYAAN MURABAHAH DALAM MENINGKATKAN PROFITABILITAS BANK SYARIAH DI INDONESIA Dinda Nurayuni Humaira; Fadillah Syafitri; Syarifah Hanum Tumangger
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 4 (2025): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/mhm9dt51

Abstract

Murabahah financing is the most dominant financing product in the Islamic banking portfolio and serves as a stable source of income for banks. However, the increase in murabahah financing volume does not always correspond with higher profitability. This study aims to analyze the effectiveness of murabahah financing in improving the profitability of Islamic banks in Indonesia through a literature review approach. The data used include murabahah financing trends and the Return on Assets (ROA) ratio based on the 2020–2024 Islamic Banking Statistics published by the Financial Services Authority (OJK), along with 20 relevant national scientific articles published between 2022 and 2025. The results show that financing effectiveness acts as the key mediating factor linking murabahah financing to profitability. Murabahah contributes positively to profitability only when financing effectiveness is high, indicated by strong risk management, operational efficiency, digitalization, and payment smoothness. Conversely, when effectiveness is low, financing risks increase and profitability decreases despite higher financing volumes. This study recommends strengthening digitalization, improving human resource competence, and enhancing risk management to optimize the value of murabahah financing for Islamic banks. Future research is expected to employ quantitative methods to empirically test the relationships among variables.
DAMPAK PEMBIAYAAN BANK SYARIAH INDONESIA TERHADAP PEMBANGUNAN EKONOMI BERKELANJUTAN Ayu Hani Marsani Tanjung; Risa Adelila Hasibuan; Sherin Aulia Putri
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 4 (2025): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/d4qytk44

Abstract

Pembangunan ekonomi berkelanjutan merupakan upaya untuk menyeimbangkan pertumbuhan ekonomi, kesejahteraan sosial, dan pelestarian lingkungan. Dalam konteks ekonomi Islam, bank syariah tidak hanya berorientasi pada keuntungan, tetapi juga pada kemaslahatan umat. Penelitian ini bertujuan untuk menganalisis dampak pembiayaan bank syariah terhadap pembangunan ekonomi berkelanjutan melalui studi kasus di Bank Syariah Indonesia (BSI) Kantor Cabang Krakatau Medan. Metode penelitian menggunakan pendekatan kualitatif deskriptif melalui wawancara, observasi, dan kajian literatur. Data primer diperoleh dari wawancara dengan tiga nasabah pembiayaan dan satu pegawai bagian pembiayaan, sedangkan data sekunder berasal dari laporan BSI, publikasi OJK, serta literatur akademik. Hasil penelitian menunjukkan bahwa pembiayaan syariah memiliki dampak positif terhadap peningkatan ekonomi masyarakat, pemberdayaan UMKM, dan penerapan pembiayaan ramah lingkungan (green financing). Akad musyarakah dan mudharabah membantu peningkatan produktivitas usaha dan kesejahteraan nasabah, sedangkan program sosial seperti qardhul hasan memperkuat aspek sosial. Namun, tantangan masih muncul dari dominasi pembiayaan konsumtif dan rendahnya literasi keuangan syariah. Dengan demikian, pembiayaan syariah diharapkan dapat terus diperluas dan disinergikan dengan prinsip maqashid al-syariah untuk mewujudkan ekonomi yang inklusif dan berkelanjutan.  
PERAN AKAD SALAM DALAM MENEKAN RISIKO HARGA DI BANK SYARIAH Agustina, Miranti; Zahir Muhammad Fadhilah Harahap; Try Wahyuni Mawatdah
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 3 (2025): September
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/rsn0cb32

Abstract

This study aims to analyze the role of Salam contracts as a sharia financing instrument in reducing price risks in the real sector, particularly agriculture and commodities. Through library research and a qualitative approach, this study examines the basic concepts of Salam contracts, their operational mechanisms in Islamic banking, and their effectiveness in providing price certainty and income stability for producers. The results show that Salam contracts can reduce price volatility by setting prices and specifications for goods at the outset of the contract. In addition, the application of parallel salam, production monitoring, and good risk management strengthen the effectiveness of this contract in dealing with market uncertainty. Thus, Salam contracts not only offer a fair Islamic solution, but also have the potential to become a price stabilization instrument that supports the sustainability of the real sector.
Prinsip Keadilan dan Transparansi dalam sistem pembiayaan Bank Syariah untuk Kemaslahatan umat Khoirotun Nisa Limbong; Muhammad Abdillah Pratama Aminullah; Stefani
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 4 (2025): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/4hxdw371

Abstract

The principles of justice and transparency are the main foundations of Islamic banking operations. These two principles ensure that every financing product and service not only complies with Sharia law but also provides tangible benefits to the wider community. This article comprehensively discusses how the principles of justice and transparency are applied in the Islamic banking financing system, as well as how their implementation contributes to the welfare of the community. This research uses a qualitative approach with a literature analysis of various regulations, journals, and related fatwas. The results of the study indicate that the implementation of these two principles can foster economic stability, increase public trust, and ensure the achievement of the objectives of maqasid al- shariah in the financial sector.
PERSEPSI MAHASISWA TERHADAP PELAYANAN BANK SYARIAH Annisa Afwani; Anggun Rohaya Putri Munthe; Khaila Calsa Fhadillah
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 4 (2025): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/6jpqm493

Abstract

This study aims to analyze students' perceptions of Islamic banking services using a qualitative, interview-based approach. The primary focus of the study is students' understanding of Islamic service principles, their experiences as customers and prospective customers, and the factors influencing their assessment of service quality. Data were obtained through semi-structured interviews with several students from various study programs. The results indicate that most students have positive perceptions of Islamic banking service ethics and transaction security. However, complaints persist regarding the limited digitalization of services and the lack of socialization regarding Islamic products. This study recommends optimizing education, improving digital technology, and strengthening services based on the values ​​of maqāṣid al-Shari'ah (the principles of Islamic principles).
Prosedur Pembiayaan pada Bank Sumut Syariah dari Analisis Kelayakan hingga Monitoring Abidzar Fikri Simamora; Ananda Fitriani Oktavia; Putri Chairunnisa Pane
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 4 (2025): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/5ewpk753

Abstract

This study aims to evaluate the financing methods at PT Bank Sumut Sharia Business Unit, from feasibility analysis to financing monitoring. The approach used in this study is descriptive qualitative by collecting data through interviews, observations, and document studies. The findings of the study indicate that the bank has implemented the principle of prudence through 5C analysis and a rating system to assess customer eligibility. However, the character aspect of customers remains a major weakness due to the potential moral hazard that may arise after financing is disbursed. In the implementation stage of the contract, most financing is based on the murabahah contract including murabahah bil wakalah, but there is a lack of customer understanding regarding the contract, which can increase sharia risk. Financing monitoring is carried out through field supervision and persuasive handling of problematic financing and restructuring, but it is more curative in nature. Therefore, it is important to improve character analysis, education about contracts, and more preventive monitoring.
STRATEGI MARKETING PEMBIAYAAN BANK SYARIAH DALAM MENDUKUNG PENGEMBANGAN UMKM DI INDONESIA Anita Sari, Cindy; Intan Azzahra; M. Royhan Safdan Muzaki
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 3 (2025): September
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/e0sjyn38

Abstract

This study is motivated by the strategic role of Islamic banks in strengthening the financing of Micro, Small, and Medium Enterprises (MSMEs), which are key drivers of Indonesia’s economic growth. The purpose of this research is to analyze the marketing strategies of Islamic bank financing in supporting MSME development. A qualitative research approach was employed using SWOT analysis as the primary method to examine the strengths, weaknesses, opportunities, and threats influencing the effectiveness of Sharia financing marketing. The findings reveal that Sharia-compliant values, flexible financing contracts, strong community networks, and personalized services constitute major strengths of Islamic banks, while low literacy on Sharia contracts, limited digitalization, uneven staff competencies, and restricted branch coverage represent internal weaknesses. Externally, MSME growth, increasing demand for halal financial products, and supportive government policies provide opportunities, whereas competition from conventional banks, fintech platforms, online lending, and low financial literacy pose significant threats. The study concludes that marketing strategies must reinforce Sharia-based approaches and accelerate digital transformation. Recommendations include enhancing Sharia literacy, promoting financing product innovation, and strengthening communitybased marketing.
STUDI LITERATUR PEMBIAYAAN UMKM PADA PERBANKAN SYARIAH Nurhikmah Berasa; Haya Aghnia Azzahra; Muhammad Habib Rifky
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 3 (2025): September
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/g4jhmd67

Abstract

Penelitian ini bertujuan untuk menganalisis peran dan efektivitas perbankan syariah dalam pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia. Penelitian ini menggunakan pendekatan kualitatif deskriptif melalui studi literatur terhadap berbagai sumber seperti buku, jurnal ilmiah, dan laporan resmi lembaga keuangan periode 2014–2024 yang berkaitan dengan pembiayaan syariah dan pengembangan UMKM. Hasil kajian menunjukkan bahwa perbankan syariah memiliki peran penting dalam memperkuat sektor UMKM melalui skema bagi hasil seperti mudharabah, musyarakah, dan murabahah yang menekankan prinsip keadilan dan kemitraan. Namun, dalam praktiknya masih terdapat kendala seperti rendahnya literasi keuangan syariah, keterbatasan agunan, serta kurangnya inovasi produk mikro syariah. Penelitian ini menekankan pentingnya kolaborasi antara perbankan syariah, pemerintah, dan lembaga keuangan digital untuk meningkatkan inklusi dan inovasi pembiayaan berbasis syariah. Secara teoritis, penelitian ini berkontribusi terhadap pengembangan model pembiayaan syariah bagi UMKM, sedangkan secara praktis menjadi masukan bagi pengambil kebijakan untuk memperkuat ekosistem perbankan syariah dalam mewujudkan pertumbuhan ekonomi yang inklusif dan berkelanjutan.

Page 2 of 3 | Total Record : 24

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