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El-Mubarak: Islamic Studies Journal
Published by CV. Cendekiawan Muda Sriwijaya
ISSN : 30475600     EISSN : 30468604     DOI : https://doi.org/10.70656/emisja.v1i2
Core Subject : Religion, Humanities, Education, Social,
Religion Humanities Languange, Linguistic, Communication & Media Social Sciences Other
El-Mubarak: Islamic Studies Journal is a scientific journal published by CV. Cendekiawan Muda Sriwijaya. The papers to be published in El-Mubarak are research articles (quantitative or qualitative research approaches), literature studies or original ideas that are considered to contribute to : 1. Studies of Islamic Law, 2. Islamic Economics, 3. Islamic Politic, 4. Islamic Psychology, and 5. Islamic Education
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 36 Documents
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REKAYASA EKONOMI KONSUMSI BERBASIS HADIS MI’DAH: IMPLIKASI EFISIENSI FINANSIAL PRIBADI RUMAH TANGGA DAN PENGUATAN STABILITAS EKONOMI MASYARAKAT Raden Ayu Ritawati; Raden Ayu Erika Septiana
El-Mubarak: Islamic Studies Journal Vol. 3 No. 1 (2026): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v3i1.807

Abstract

Excessive consumption patterns not only have the potential to weaken household financial resilience but are also associated with increased health risks and broader economic burdens on society. Islam offers a principle of consumption moderation through the prohibition of israf in the Qur’an and the guidance on proportional stomach capacity found in the Hadith of Mi’dah. This study aims to analyze the application of consumption moderation based on the Hadith of Mi’dah in improving the efficiency of household food expenditure and to develop a simulation of financial surplus utilization to support the wider community economy. This study employed a mixed-methods approach using a sequential exploratory design. The first stage applied a qualitative approach through thematic interpretation of Qur’anic verses, the Hadith of Mi’dah, and Islamic economics literature. The second stage employed a one-group pretest–posttest pre-experimental design involving 30 Muslim household heads in the urban area of Palembang, with monthly household incomes ranging from IDR 5,000,000 to IDR 10,000,000. The intervention was conducted over 30 days by controlling meal portions and reducing the consumption of non-essential food items. The descriptive findings indicate that average monthly food expenditure decreased from IDR 2,750,000 to IDR 1,850,000, resulting in savings of IDR 900,000 per household and an efficiency rate of 32.7%. The largest reduction occurred in lifestyle-related food expenditure, including snacks, fast food, and café consumption. A simulation of the allocation of part of the financial surplus shows the potential to mobilize IDR 4,500,000 per month in ZISWAF funds and IDR 12,000,000 per month in sharia-compliant investments from the 30 participating households. These findings suggest that the Hadith of Mi’dah can be conceptualized as a principle of consumption moderation that supports the protection of life and wealth. Nevertheless, its effects on public health, employment creation, and the reduction of the burden of public healthcare financing remain potential rather than empirically established outcomes. Further studies employing larger samples, longer research periods, and more robust research designs are therefore required.
OPTIMALISASI PENGELOLAAN ZAKAT UNTUK KESEJAHTERAAN MUSTAHIK DI YAKESMA SUMATERA SELATAN Dwi Nurhafsari; Ria Agustina
El-Mubarak: Islamic Studies Journal Vol. 3 No. 1 (2026): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v3i1.808

Abstract

Penelitian ini bertujuan menganalisis bagaimana pengelolaan zakat di YAKESMA Sumatera Selatan dioptimalkan untuk mendorong peningkatan kesejahteraan mustahik. Studi ini berangkat dari kesenjangan antara potensi zakat yang besar dan realisasi penghimpunan yang masih rendah, di samping tantangan akurasi distribusi, keberlanjutan program produktif, dan adaptasi digital lembaga zakat. Penelitian menggunakan pendekatan kualitatif deskriptif dengan lokasi penelitian di YAKESMA Sumatera Selatan. Data diperoleh melalui observasi, wawancara mendalam dengan pengelola lembaga dan penerima manfaat, serta dokumentasi. Analisis dilakukan dengan model Miles, Huberman, dan Saldaña melalui kondensasi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa optimalisasi dilakukan melalui sosialisasi zakat, layanan jemput zakat, kerja sama kelembagaan, publikasi digital, verifikasi mustahik berbasis survei, penyaluran konsumtif dan produktif, serta monitoring program. Meskipun demikian, penelitian juga menemukan kendala berupa literasi zakat formal yang belum merata, digitalisasi yang belum sepenuhnya terintegrasi, keterbatasan database mustahik, dan pendampingan usaha yang belum konsisten. Studi ini menegaskan bahwa keberhasilan pengelolaan zakat tidak hanya ditentukan oleh besarnya penghimpunan, tetapi juga oleh kualitas tata kelola, akuntabilitas, ketepatan sasaran, dan kesinambungan pemberdayaan.
THE EFFECT OF THIRD-PARTY FUNDS AND NON-PERFORMING FINANCING ON THE RETURN ON ASSETS OF SHARIA BANKS LISTED ON THE INDONESIA STOCK EXCHANGE (2020–2024 PERIOD) Tirza Veronika; Syamsiar Zahrani; Rinol Sumantri
El-Mubarak: Islamic Studies Journal Vol. 3 No. 1 (2026): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v3i1.848

Abstract

Profitability is an important indicator for assessing the ability of Islamic banks to maintain operational sustainability and effectively perform their financial intermediation function. This study aims to examine the effects of Third-Party Funds (TPF) and Non-Performing Financing (NPF) on Return on Assets (ROA) of Islamic banks listed on the Indonesia Stock Exchange during the 2020–2024 period. The study employs a quantitative approach with a causal-associative research design. Secondary data are collected from annual financial reports of Islamic banks, the Indonesia Stock Exchange, and the Financial Services Authority. Samples are selected using purposive sampling based on several criteria, including Islamic banks listed on the Indonesia Stock Exchange, consistent publication of financial statements, and complete availability of TPF, NPF, and ROA data during the observation period. Data are analyzed using descriptive statistics, classical assumption tests, multiple linear regression, partial tests, simultaneous tests, and the coefficient of determination. Conceptually, higher third-party funds enable Islamic banks to expand productive asset allocation, potentially improving profitability. In contrast, higher NPF reflects deteriorating financing quality, which may increase impairment costs and reduce bank profitability. This study is expected to provide empirical evidence regarding the roles of fund-raising capacity and financing quality in determining the profitability of Indonesian Islamic banks, particularly during the COVID-19 pandemic and post-pandemic economic recovery period.
COMMISSION DEDUCTIONS, TRANSPARENCY, AND JUSTICE IN THE GIG ECONOMY: AN ISLAMIC ECONOMICS PERSPECTIVE ON SHOPEEFOOD DRIVERS IN PALEMBANG Denny Firmansyah; Ulil Amri
El-Mubarak: Islamic Studies Journal Vol. 3 No. 1 (2026): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v3i1.853

Abstract

The rapid growth of the digital economy has expanded employment opportunities through the gig economy while simultaneously raising concerns regarding income transparency, platform workers' bargaining power, and fairness in partnership arrangements. This study examines ShopeeFood drivers' perceptions of the fairness and transparency of commission deductions in Palembang, evaluates the mechanism from an Islamic economic perspective, and identifies its implications for driver welfare. The study employs a descriptive qualitative approach. Data were collected through interviews, observation, and documentation involving ShopeeFood drivers in Palembang and analyzed inductively through data reduction, data display, conclusion drawing, and verification. The findings show that most drivers do not object to commission deductions as part of the partnership arrangement. Their primary concern is the limited information regarding commission rates, calculation methods, deduction components, and policy changes. Such information asymmetry generates systemic uncertainty and limits drivers' ability to predict their actual earnings. Commission deductions combined with independently borne operating costs also reduce net income and encourage drivers to extend their working hours. From an Islamic economic perspective, these practices indicate that the principles of justice (‘adl), transparency (bayyinah), mutual consent (an-taradin), and clarity of remuneration (ujrah) have not been fully realized and may contain elements of gharar. The study highlights the need for a transparent commission mechanism, clear communication of policy changes, and a more balanced distribution of rights and obligations between digital platforms and drivers.
AKTUALISASI HADIS RISYWAH DALAM MASYARAKAT DESA SUKA CINTA KECAMATAN MUARA KUANG KABUPATEN OGAN ILIR: STUDI LIVING HADIS Wina Artika; Uswatun Hasanah; Hedhri Nadhiran; Raden Ayu Erika Septiana
El-Mubarak: Islamic Studies Journal Vol. 3 No. 1 (2026): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v3i1.855

Abstract

Risywah atau suap merupakan praktik pemberian sesuatu kepada pihak tertentu dengan tujuan memperoleh keuntungan atau memengaruhi suatu keputusan. Dalam perspektif hadis, praktik risywah merupakan perbuatan yang dilarang, bahkan Rasulullah SAW melaknat pemberi, penerima, dan perantara suap. Namun, dalam kehidupan masyarakat, praktik tersebut masih ditemukan dan pada kondisi tertentu dianggap sebagai sesuatu yang lumrah. Penelitian ini bertujuan untuk mengetahui pemahaman masyarakat Desa Suka Cinta Kecamatan Muara Kuang Kabupaten Ogan Ilir terhadap hadis larangan risywah serta mengetahui aktualisasi hadis tersebut dalam kehidupan masyarakat. Penelitian ini menggunakan metode kualitatif dengan jenis penelitian lapangan (field research) dan pendekatan living hadis. Data diperoleh melalui observasi, wawancara tidak terstruktur, dan dokumentasi. Informan penelitian terdiri atas tokoh agama, tokoh masyarakat, perangkat desa, tokoh politik, dan warga Desa Suka Cinta yang dipilih secara purposive. Analisis data dilakukan secara deskriptif dengan menggunakan teori verstehen untuk memahami makna subjektif yang melatarbelakangi tindakan masyarakat. Hasil penelitian menunjukkan bahwa sebagian masyarakat telah mengetahui dan memahami hadis larangan risywah, sedangkan sebagian lainnya belum mengetahuinya secara memadai. Meskipun demikian, pemahaman tersebut belum sepenuhnya teraktualisasi dalam perilaku. Sebagian masyarakat tetap menerima pemberian berupa uang atau barang menjelang pemilu dengan alasan pemberian tersebut dianggap sebagai rezeki, bentuk penghargaan, pertolongan sosial, atau dapat diterima selama tidak disertai permintaan secara langsung. Faktor kebiasaan, kondisi ekonomi, pemahaman keagamaan, dan lingkungan sosial turut memengaruhi penerimaan terhadap praktik tersebut. Dengan demikian, nilai hadis larangan risywah belum sepenuhnya hidup dalam praktik sosial masyarakat Desa Suka Cinta.
GERAKAN POLITIK PEMUDA DEMOKRAT INDONESIA DALAM PROSES PENDAMPINGAN MASYARAKAT DESA PEDAMARAN VI KABUPATEN OGAN KOMERING ILIR Ovi Andaresta; Imron; Leo Andi Guna
El-Mubarak: Islamic Studies Journal Vol. 3 No. 1 (2026): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v3i1.868

Abstract

Partisipasi politik di tingkat pedesaan sering kali terhambat oleh asimetri informasi dan hegemoni elite lokal dalam pengelolaan anggaran publik. Penelitian ini bertujuan menganalisis dinamika gerakan politik Pemuda Demokrat Indonesia (PDI) dalam pendampingan masyarakat di Desa Pedamaran VI, Kabupaten Ogan Komering Ilir. Fokus penelitian diarahkan pada tiga dimensi: repertoar bentuk gerakan politik, faktor motivasi organisasional, serta implikasi pendampingan terhadap kesadaran dan kontrol sosial warga. Menggunakan metode kualitatif berpendekatan studi kasus intrinsik, data dikumpulkan melalui wawancara mendalam terhadap informan kunci (pimpinan organisasi, perangkat desa, tokoh adat, serta perwakilan pemuda dan warga) yang dipilih secara purposive, serta diperkuat dengan studi dokumentasi. Analisis data dilakukan secara interaktif-deskriptif. Hasil penelitian menunjukkan bahwa gerakan politik PDI beroperasi melalui spektrum aksi ekstra-parlementer/non-elektoral, mencakup pengawasan partisipatif anggaran Dana Desa, fasilitasi advokasi, unjuk rasa damai, serta literasi politik berbasis diskursus. Motivasi organisasi berakar pada dorongan moral-ideologis mewujudkan transparansi tata kelola anggaran dan merespons keluhan warga atas indikasi penyimpangan, sekaligus memperkuat legitimasi peran sosial masyarakat sipil di aakar rumput. Pendampingan ini berhasil mentransformasi orientasi kognitif dan psikologis warga menuju keberanian bersuara di Musyawarah Desa, meskipun dampaknya terhadap transparansi struktural pemerintah desa masih terbatas.

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